@font-face {
    font-family: 'Graphik';
    src: url('/assets/fonts/graphik/Graphik-Light.woff2') format('woff2'),
         url('/assets/fonts/graphik/Graphik-Light.woff') format('woff');
    font-weight: 300;
    font-style: normal;
    font-display: swap;
}

@font-face {
    font-family: 'Graphik';
    src: url('/assets/fonts/graphik/Graphik-Regular.woff2') format('woff2'),
         url('/assets/fonts/graphik/Graphik-Regular.woff') format('woff');
    font-weight: 400;
    font-style: normal;
    font-display: swap;
}

@font-face {
    font-family: 'Graphik';
    src: url('/assets/fonts/graphik/Graphik-Medium.woff2') format('woff2'),
         url('/assets/fonts/graphik/Graphik-Medium.woff') format('woff');
    font-weight: 500;
    font-style: normal;
    font-display: swap;
}

@font-face {
    font-family: 'FreightTextPro';
    src: url('/assets/fonts/freight/FreightTextProLight-Regular.woff2') format('woff2'),
         url('/assets/fonts/freight/FreightTextProLight-Regular.woff') format('woff');
    font-weight: 300;
    font-style: normal;
    font-display: swap;
}

:root {
    --blue: #03348e;
    --blue-dark: #02245f;
    --blue-light: #1d57b3;
    --heading: #0a1a50;
    --body: #3c4252;
    --muted: #6c7890;
    --yellow: #ffbb00;
    --green: #07a98a;
    --white: #ffffff;
    --bg-soft: #f5f8fc;
    --line: rgba(3, 52, 142, .16);
    --shadow: 0 12px 32px rgba(10, 26, 80, .10);
}

* {
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
}

body {
    margin: 0;
    font-family: 'Graphik', Arial, sans-serif;
    font-weight: 300;
    color: var(--body);
    background: var(--white);
    line-height: 1.65;
}

a {
    color: inherit;
    text-decoration: none;
}

img {
    max-width: 100%;
    height: auto;
}

.container {
    width: min(1180px, calc(100% - 40px));
    margin: 0 auto;
}

h1,
h2,
h3,
h4 {
    margin: 0 0 18px;
    font-family: 'FreightTextPro', Georgia, serif;
    font-weight: 300;
    color: var(--heading);
    line-height: 1.08;
}

p {
    margin: 0 0 18px;
}

ul {
    margin: 0 0 22px;
    padding-left: 20px;
}

.site-header {
    position: sticky;
    top: 0;
    z-index: 1000;
    background: var(--white);
    border-bottom: 1px solid rgba(3, 52, 142, .12);
    box-shadow: 0 8px 26px rgba(10, 26, 80, .10);
}

.header-top {
    max-height: 58px;
    overflow: hidden;
    background: var(--blue);
    color: var(--white);
    transition: transform .35s ease, opacity .35s ease, max-height .35s ease;
}

.site-header.is-scrolled .header-top {
    max-height: 0;
    opacity: 0;
    transform: translateY(-100%);
}

.header-top-inner {
    min-height: 58px;
    display: flex;
    align-items: stretch;
    justify-content: space-between;
}

.top-left-nav,
.top-right-nav {
    display: flex;
    align-items: stretch;
}

.top-left-nav a,
.top-right-nav a {
    display: flex;
    align-items: center;
    padding: 0 24px;
    color: var(--white);
    font-size: 15px;
    font-weight: 300;
    border-left: 1px solid rgba(255, 255, 255, .45);
}

.top-left-nav a:last-child,
.top-right-nav a:last-child {
    border-right: 1px solid rgba(255, 255, 255, .45);
}

.top-left-nav a:first-child {
    background: var(--white);
    color: var(--blue);
    border-top: 5px solid var(--yellow);
}

.top-outline {
    margin: 10px 8px;
    padding: 0 22px !important;
    border: 1px solid rgba(255, 255, 255, .78) !important;
    border-radius: 4px;
}

.top-login {
    margin: 10px 0 10px 6px;
    padding: 0 22px !important;
    background: var(--white);
    color: var(--blue) !important;
    border-radius: 4px;
    font-weight: 400 !important;
}

.header-main {
    background: var(--white);
}

.header-main-inner {
    min-height: 90px;
    display: flex;
    align-items: center;
    gap: 34px;
}

.brand-logo {
    min-width: 245px;
    display: inline-flex;
    align-items: center;
}

.brand-logo img {
    max-width: 210px;
    max-height: 58px;
    object-fit: contain;
}

.main-nav {
    flex: 1;
    margin-left: auto;
    display: flex;
    align-items: center;
    justify-content: flex-end;
    gap: 0;
}

.main-nav a {
    position: relative;
    padding: 6px 18px;
    color: #101c42;
    font-size: 15px;
    font-weight: 400;
    line-height: 1.2;
    border-left: 1px solid rgba(3, 52, 142, .32);
    transition: color .25s ease;
}

.main-nav a:first-child {
    border-left: 0;
}

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

.main-nav a.active::after {
    content: '';
    position: absolute;
    left: 18px;
    right: 18px;
    bottom: -12px;
    height: 3px;
    background: var(--yellow);
}

.header-lang {
    display: flex;
    align-items: center;
    gap: 5px;
    padding-left: 16px;
    border-left: 1px solid rgba(3, 52, 142, .28);
}

.header-lang a {
    padding: 5px 7px;
    border: 1px solid rgba(3, 52, 142, .18);
    border-radius: 4px;
    color: var(--blue);
    font-size: 12px;
    font-weight: 400;
}

.header-lang a.active {
    background: var(--blue);
    color: var(--white);
}

.page-hero {
    padding: 100px 0;
    background:
        linear-gradient(135deg, rgba(3, 52, 142, .09), rgba(29, 87, 179, .04)),
        var(--bg-soft);
    border-bottom: 1px solid var(--line);
}

.page-hero h1 {
    max-width: 900px;
    font-size: clamp(42px, 5vw, 72px);
}

.page-hero p {
    max-width: 780px;
    color: var(--muted);
    font-size: 18px;
}

.page-section {
    padding: 80px 0;
}

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

.card {
    padding: 28px;
    background: var(--white);
    border: 1px solid var(--line);
    border-radius: 14px;
    box-shadow: 0 10px 28px rgba(10, 26, 80, .06);
}

.card h3 {
    margin-top: 0;
    font-size: 28px;
}

.card a {
    color: var(--blue);
    font-weight: 400;
}

.btn-contact,
button {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    min-height: 46px;
    padding: 12px 22px;
    border: 0;
    border-radius: 6px;
    background: var(--blue);
    color: var(--white);
    font-family: 'Graphik', Arial, sans-serif;
    font-size: 15px;
    font-weight: 500;
    cursor: pointer;
    transition: transform .22s ease, box-shadow .22s ease, background .22s ease;
}

.btn-contact:hover,
button:hover {
    background: var(--blue-dark);
    box-shadow: 0 8px 22px rgba(3, 52, 142, .22);
    transform: translateY(-1px);
}

.btn-yellow {
    background: var(--yellow);
    color: var(--blue-dark);
}

.check-list {
    list-style: none;
    padding: 0;
}

.check-list li {
    position: relative;
    padding-left: 42px;
    margin-bottom: 15px;
}

.check-list li::before {
    content: '✓';
    position: absolute;
    left: 0;
    top: 1px;
    width: 26px;
    height: 26px;
    border-radius: 50%;
    background: var(--green);
    color: var(--white);
    display: grid;
    place-items: center;
    font-size: 14px;
    font-weight: 500;
}

form {
    max-width: 640px;
}

input,
textarea {
    width: 100%;
    margin-bottom: 14px;
    padding: 13px 14px;
    border: 1px solid rgba(3, 52, 142, .22);
    border-radius: 8px;
    font: inherit;
    color: var(--body);
    background: var(--white);
    outline: none;
}

input:focus,
textarea:focus {
    border-color: var(--blue);
    box-shadow: 0 0 0 3px rgba(3, 52, 142, .08);
}

textarea {
    min-height: 140px;
    resize: vertical;
}

.site-footer {
    padding: 56px 0 32px;
    background: #f4f8fc;
    border-top: 1px solid var(--line);
    color: #63738c;
}

.footer-top {
    display: flex;
    justify-content: space-between;
    gap: 40px;
    padding-bottom: 30px;
    border-bottom: 1px solid rgba(3, 52, 142, .14);
}

.footer-brand h3 {
    margin: 0 0 10px;
    color: var(--heading);
    font-size: 28px;
}

.footer-links {
    display: flex;
    flex-wrap: wrap;
    gap: 16px;
    color: var(--heading);
}

.footer-legal {
    margin-top: 18px;
    font-size: 14px;
}

.footer-bottom {
    padding-top: 22px;
    font-size: 14px;
}

.reveal {
    opacity: 0;
    transform: translateY(18px);
    transition: opacity .7s ease, transform .7s ease;
}

.reveal.is-visible {
    opacity: 1;
    transform: translateY(0);
}

@media (max-width: 1180px) {
    .header-main-inner {
        gap: 18px;
    }

    .brand-logo {
        min-width: 200px;
    }

    .brand-logo img {
        max-width: 185px;
    }

    .main-nav a {
        padding: 6px 12px;
        font-size: 14px;
    }
}

@media (max-width: 980px) {
    .header-main-inner {
        flex-wrap: wrap;
        padding: 18px 0;
        gap: 16px;
    }

    .brand-logo {
        width: 100%;
    }

    .main-nav {
        width: 100%;
        justify-content: flex-start;
        flex-wrap: wrap;
        margin-left: 0;
    }

    .main-nav a {
        border-left: 0;
        border-right: 1px solid rgba(3, 52, 142, .18);
    }

    

    .grid-3 {
        grid-template-columns: 1fr;
    }

    .footer-top {
        flex-direction: column;
    }
}

@media (max-width: 760px) {
    .container {
        width: min(100% - 28px, 1180px);
    }

    .header-top-inner {
        flex-direction: column;
        align-items: stretch;
        min-height: auto;
    }

    .top-left-nav,
    .top-right-nav {
        overflow-x: auto;
    }

    .top-left-nav a,
    .top-right-nav a {
        white-space: nowrap;
        padding: 13px 16px;
    }

    .top-outline,
    .top-login {
        margin: 8px 6px;
    }

    .brand-logo img {
        max-width: 180px;
    }

    .main-nav a {
        padding: 7px 12px;
        font-size: 14px;
    }

    .page-hero {
        padding: 72px 0;
    }

    .page-section {
        padding: 58px 0;
    }
}


.lang-btn{
    height:42px;
    padding:0 14px;
    display:flex;
    align-items:center;
    gap:8px;

    background:rgba(171, 196, 242, 0.1);   /* BLAGA PLAVA */
    color:#03348e;

    border:1px solid rgba(3,52,142,.18);
    border-radius:8px;

    font:500 14px 'Graphik',Arial,sans-serif;
    cursor:pointer;

    transition:.2s ease;
}

.lang-btn:hover{
    background:rgba(3,52,142,.18);
}

.lang-menu{
    position:absolute;
    right:0;
    top:50px;
    width:210px;
    padding:8px;
    display:none;
    background:rgba(230,234,240,.96);
    border:1px solid rgba(3,52,142,.18);
    border-radius:10px;
    box-shadow:0 18px 42px rgba(10,26,80,.18);
    z-index:9999;
}

.header-lang.open .lang-menu,
.header-lang:hover .lang-menu{
    display:block;
}

.lang-menu a{
    height:38px;
    padding:0 10px;
    display:grid;
    grid-template-columns:24px 1fr auto;
    align-items:center;
    gap:9px;
    color:#0a1a50;
    border-radius:7px;
    font-size:14px;
}

.lang-menu a:hover{
    background:#fff;
}

.lang-menu b{
    color:#03348e;
    font-size:13px;
}

.flag{
    width:22px;
    height:15px;
    display:inline-block;
    border-radius:2px;
    background-size:cover;
    box-shadow:0 0 0 1px rgba(0,0,0,.12);
}

.flag-en{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 60 40'%3E%3Cpath fill='%23012169' d='M0 0h60v40H0z'/%3E%3Cpath stroke='%23fff' stroke-width='8' d='M0 0l60 40M60 0L0 40'/%3E%3Cpath stroke='%23C8102E' stroke-width='4' d='M0 0l60 40M60 0L0 40'/%3E%3Cpath stroke='%23fff' stroke-width='14' d='M30 0v40M0 20h60'/%3E%3Cpath stroke='%23C8102E' stroke-width='8' d='M30 0v40M0 20h60'/%3E%3C/svg%3E")}
.flag-de{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 60 40'%3E%3Cpath d='M0 0h60v13.333H0z'/%3E%3Cpath fill='%23dd0000' d='M0 13.333h60v13.334H0z'/%3E%3Cpath fill='%23ffce00' d='M0 26.667h60V40H0z'/%3E%3C/svg%3E")}
.flag-fr{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 60 40'%3E%3Cpath fill='%23002395' d='M0 0h20v40H0z'/%3E%3Cpath fill='%23fff' d='M20 0h20v40H20z'/%3E%3Cpath fill='%23ED2939' d='M40 0h20v40H40z'/%3E%3C/svg%3E")}
.flag-es{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 60 40'%3E%3Cpath fill='%23AA151B' d='M0 0h60v10H0zM0 30h60v10H0z'/%3E%3Cpath fill='%23F1BF00' d='M0 10h60v20H0z'/%3E%3C/svg%3E")}
.header-lang{

    position:relative;

    margin-left:14px;

    padding-left:16px;

    border-left:1px solid rgba(3,52,142,.25);

}

/* DROPDOWN hidden */

.lang-menu{

    position:absolute;

    right:0;

    top:50px;

    width:240px;

    background:rgba(249, 243, 198, 0.32);

    backdrop-filter: blur(10px);

    border-radius:12px;

    box-shadow:0 20px 50px rgb(201, 211, 251);

    opacity:0;

    transform:translateY(10px);

    pointer-events:none;

    transition:.25s ease;

}

/* 👇 KLJUČNO */

.header-lang:hover .lang-menu{

    opacity:1;

    transform:translateY(0);

    pointer-events:auto;

}
.header-lang{
    padding-bottom:10px;
}
.main-nav a{
    position:relative;
    padding:6px 18px;

    color:#101c42;
    font-size:15px;

    font-weight:400; /* default */
    transition:all .2s ease;

    border-left:1px solid rgba(3,52,142,.32);
}

.main-nav a:hover{
    font-weight:500; /* malo deblje na hover */
    color:var(--blue);
}

.main-nav a.active{
    font-weight:500; /* ostaje deblje kad je aktivno */
    color:var(--blue);
}
.main-nav a{
    letter-spacing:.01em;
}
.home-hero {
    position: relative;
    height: 560px;
    overflow: hidden;
    background: var(--blue-dark);
}

.hero-slide {
    position: absolute;
    inset: 0;
    opacity: 0;
    pointer-events: none;
    transition: opacity 1.1s ease;
}

.hero-slide.is-active {
    opacity: 1;
    pointer-events: auto;
}

.hero-bg {
    position: absolute;
    inset: 0;
    background-size: cover;
    background-position: center;
    transform: scale(1.08) translate3d(0, 0, 0);
}

.hero-slide.is-active .hero-bg {
    animation: heroBreath 7s ease-in-out forwards;
}

@keyframes heroBreath {
    0% {
        transform: scale(1.08) translate(-1.5%, -1.5%);
    }
    50% {
        transform: scale(1.13) translate(1.5%, 1%);
    }
    100% {
        transform: scale(1.1) translate(-.5%, .5%);
    }
}

.hero-overlay {
    position: absolute;
    inset: 0;
    background:
        linear-gradient(90deg, rgba(2, 36, 95, .86) 0%, rgba(3, 52, 142, .68) 38%, rgba(3, 52, 142, .18) 100%),
        linear-gradient(0deg, rgba(2, 20, 55, .22), rgba(2, 20, 55, .08));
}

.hero-content {
    position: relative;
    z-index: 2;
    height: 100%;
    display: flex;
    flex-direction: column;
    justify-content: center;
    max-width: 760px;
    color: #fff;
}

.hero-kicker {
    display: inline-flex;
    width: fit-content;
    margin-bottom: 18px;
    padding: 7px 12px;
    background: rgba(255,255,255,.13);
    border: 1px solid rgba(255,255,255,.24);
    color: rgba(255,255,255,.88);
    font-size: 13px;
    letter-spacing: .08em;
    text-transform: uppercase;
}

.hero-content h1 {
    color: #fff;
    font-size: clamp(42px, 5vw, 72px);
    max-width: 850px;
    margin-bottom: 22px;
}

.hero-content p {
    max-width: 720px;
    color: rgba(255,255,255,.86);
    font-size: 18px;
    line-height: 1.75;
    margin-bottom: 30px;
}

.btn-yellow {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: fit-content;
    min-height: 48px;
    padding: 13px 24px;
    background: var(--yellow);
    color: var(--blue-dark);
    border-radius: 6px;
    font-weight: 500;
    transition: transform .22s ease, box-shadow .22s ease;
}

.btn-yellow:hover {
    transform: translateY(-1px);
    box-shadow: 0 12px 28px rgba(255,187,0,.25);
}

.hero-dots {
    position: absolute;
    left: 50%;
    bottom: 28px;
    z-index: 5;
    transform: translateX(-50%);
    display: flex;
    gap: 10px;
}

.hero-dots button {
    width: 34px;
    height: 3px;
    min-height: 0;
    padding: 0;
    border-radius: 0;
    background: rgba(255,255,255,.42);
    box-shadow: none;
}

.hero-dots button.is-active {
    background: var(--yellow);
}

@media (max-width: 760px) {
    .home-hero {
        height: 620px;
    }

    .hero-overlay {
        background: linear-gradient(90deg, rgba(2, 36, 95, .9), rgba(3, 52, 142, .55));
    }

    .hero-content p {
        font-size: 16px;
    }
}
.home-hero .hero-content {
    width: min(1180px, calc(100% - 40px));
    max-width: none;
    margin: 0 auto;
    padding-left: 0;
}

.home-hero .hero-content > * {
    max-width: 720px;
}
.home-hero .hero-content h1 {
    font-size: clamp(36px, 4.2vw, 56px); /* manji nego pre */
    line-height: 1.15;
    max-width: 680px; /* ograniči širinu */
}

.home-hero .hero-content p {
    font-size: 16px; /* bilo 18px → smanjeno */
    line-height: 1.7;
    max-width: 600px; /* kontrola širine */
}

.hero-kicker {
    font-size: 12px;
    letter-spacing: .06em;
    padding: 6px 10px;
}
.home-hero {
    height: 650px; /* fiksna visina */
}
.section-head {
    max-width: 720px;
    margin-bottom: 34px;
}

.section-head span {
    display: inline-flex;
    margin-bottom: 10px;
    color: var(--blue);
    font-size: 13px;
    font-weight: 500;
    letter-spacing: .08em;
    text-transform: uppercase;
}

.section-head h2 {
    font-size: clamp(34px, 4vw, 52px);
}

.focus-grid {
    align-items: stretch;
}

.focus-card {
    position: relative;
    min-height: 310px;
    padding: 34px 30px 30px;
    background:
        linear-gradient(180deg, rgba(255,255,255,.96), rgba(245,248,252,.96));
    border: 1px solid rgba(3,52,142,.14);
    border-radius: 16px;
    box-shadow: 0 14px 36px rgba(10,26,80,.08);
    transition: transform .28s ease, box-shadow .28s ease, border-color .28s ease;
}

.focus-card:hover {
    transform: translateY(-5px);
    border-color: rgba(3,52,142,.28);
    box-shadow: 0 22px 52px rgba(10,26,80,.13);
}

.check-icon {
    width: 34px;
    height: 34px;
    margin-bottom: 22px;
    border-radius: 50%;
    background: var(--green);
    color: #fff;
    display: grid;
    place-items: center;
    font-size: 17px;
    font-weight: 500;
}

.focus-card h3 {
    font-size: 30px;
    margin-bottom: 16px;
}

.focus-card p {
    color: #3c4252;
    font-size: 16px;
    font-weight: 400;
    line-height: 1.75;
    margin-bottom: 28px;
}

.focus-card a {
    position: absolute;
    left: 30px;
    bottom: 28px;
    color: var(--blue);
    font-size: 15px;
    font-weight: 500;
    transition: font-weight .2s ease, transform .2s ease;
}

.focus-card a span {
    display: inline-block;
    margin-left: 4px;
    transition: transform .2s ease;
}

.focus-card a:hover {
    font-weight: 600;
}

.focus-card a:hover span {
    transform: translateX(4px);
}
.home-partner-section {
    padding-top: 20px;
}

.partner-card {
    display: grid;
    grid-template-columns: 1fr 1fr;
    overflow: hidden;
    background: #fff;
    border: 1px solid rgba(3,52,142,.16);
    border-radius: 20px;
    box-shadow: 0 18px 50px rgba(10,26,80,.10);
}

.partner-copy {
    padding: 56px 54px;
}

.section-mini {
    display: inline-flex;
    margin-bottom: 14px;
    color: var(--blue);
    font-size: 13px;
    font-weight: 500;
    letter-spacing: .08em;
    text-transform: uppercase;
}

.partner-copy h2 {
    font-size: clamp(34px, 4vw, 54px);
    margin-bottom: 18px;
}

.partner-lead {
    color: var(--body);
    font-size: 18px;
    font-weight: 400;
    line-height: 1.65;
    margin-bottom: 28px;
}

.partner-checks {
    list-style: none;
    padding: 0;
    margin: 0 0 32px;
}

.partner-checks li {
    position: relative;
    padding-left: 42px;
    margin-bottom: 16px;
    color: #3c4252;
    font-size: 17px;
    font-weight: 400;
}

.partner-checks li::before {
    content: '✓';
    position: absolute;
    left: 0;
    top: 1px;
    width: 27px;
    height: 27px;
    border-radius: 50%;
    background: var(--green);
    color: #fff;
    display: grid;
    place-items: center;
    font-size: 15px;
    font-weight: 500;
}

.partner-note {
    margin-top: 18px;
    color: var(--muted);
    font-size: 14px;
    line-height: 1.7;
}

.partner-image {
    min-height: 520px;
    background: #e9f0f7;
}

.partner-image img {
    width: 100%;
    height: 100%;
    display: block;
    object-fit: cover;
}

@media (max-width: 900px) {
    .partner-card {
        grid-template-columns: 1fr;
    }

    .partner-copy {
        padding: 40px 28px;
    }

    .partner-image {
        min-height: 360px;
    }
}
.home-wide-banner {
    position: relative;
    min-height: 520px;
    overflow: hidden;
    display: flex;
    align-items: center;
}

.wide-banner-bg {
    position: absolute;
    inset: 0;
    background-size: cover;
    background-position: center;
    transform: scale(1.04);
}

.wide-banner-overlay {
    position: absolute;
    inset: 0;
    background:
        linear-gradient(90deg, rgba(2,36,95,.90) 0%, rgba(3,52,142,.72) 45%, rgba(3,52,142,.18) 100%),
        linear-gradient(0deg, rgba(2,20,55,.30), rgba(2,20,55,.12));
}

.wide-banner-content {
    position: relative;
    z-index: 2;
    padding: 90px 0;
    color: #fff;
}

.section-mini.light {
    color: rgba(255,255,255,.86);
    border: 1px solid rgba(255,255,255,.25);
    padding: 7px 12px;
}

.wide-banner-content h2 {
    max-width: 820px;
    color: #fff;
    font-size: clamp(38px, 5vw, 68px);
    margin-bottom: 24px;
}

.wide-banner-content p {
    max-width: 760px;
    color: rgba(255,255,255,.88);
    font-size: 18px;
    line-height: 1.8;
    margin-bottom: 32px;
}

@media (max-width: 760px) {
    .home-wide-banner {
        min-height: 620px;
    }

    .wide-banner-content {
        padding: 70px 0;
    }

    .wide-banner-content p {
        font-size: 16px;
    }
}
.home-process-section {
    padding: 90px 0;
    background: #eef3f9;
    border-top: 8px solid var(--blue);
}

.process-head {
    max-width: 860px;
    margin: 0 auto 58px;
    text-align: center;
}

.process-head h2 {
    font-family: 'Graphik', Arial, sans-serif;
    font-size: clamp(36px, 4vw, 56px);
    font-weight: 500;
    color: var(--heading);
    margin-bottom: 16px;
}

.process-head p {
    color: var(--body);
    font-size: 18px;
    font-weight: 400;
    line-height: 1.7;
}

.process-split {
    display: grid;
    grid-template-columns: 1fr 1fr;
}

.process-box {
    padding: 12px 56px 0;
    text-align: center;
}

.process-box + .process-box {
    border-left: 1px solid rgba(10, 26, 80, .25);
}

.process-box h3 {
    font-family: 'Graphik', Arial, sans-serif;
    font-size: clamp(24px, 2.5vw, 34px);
    font-weight: 500;
    color: var(--heading);
    margin-bottom: 36px;
}

.process-box p {
    max-width: 620px;
    margin: 0 auto 26px;
    color: var(--body);
    font-size: 17px;
    font-weight: 400;
    line-height: 1.75;
}

.process-box .btn-contact {
    margin-top: 12px;
}

@media (max-width: 900px) {
    .process-split {
        grid-template-columns: 1fr;
        gap: 42px;
    }

    .process-box {
        padding: 0;
    }

    .process-box + .process-box {
        border-left: 0;
        padding-top: 42px;
        border-top: 1px solid rgba(10, 26, 80, .18);
    }
}
.home-final-cta {
    padding: 100px 0 120px;
    background: linear-gradient(135deg, #02245f, #03348e);
}

.cta-box {
    max-width: 820px;
    margin: 0 auto;
    text-align: center;
    color: #fff;
}

.cta-box h2 {
    font-size: clamp(36px, 4vw, 58px);
    color: #fff;
    margin-bottom: 22px;
}

.cta-box p {
    font-size: 18px;
    line-height: 1.75;
    color: rgba(255,255,255,.88);
    margin-bottom: 34px;
}

.cta-actions {
    display: flex;
    justify-content: center;
    gap: 18px;
    flex-wrap: wrap;
}

.cta-link {
    display: inline-flex;
    align-items: center;
    color: #fff;
    font-size: 15px;
    font-weight: 400;
    opacity: .85;
    transition: .2s ease;
}

.cta-link span {
    margin-left: 6px;
    transition: transform .2s ease;
}

.cta-link:hover {
    opacity: 1;
}

.cta-link:hover span {
    transform: translateX(4px);
}
.icon-line {
    width: 56px;
    height: 56px;
    margin-bottom: 24px;

    display: grid;
    place-items: center;

    border-radius: 14px;
    background: rgba(3,52,142,.05);

    transition: .25s ease;
}

.icon-line svg {
    width: 30px;
    height: 30px;
    stroke: var(--blue);
    transition: .25s ease;
}
.home-faq-section {

    padding: 95px 0;

    background: #fff;

}

.faq-head {

    max-width: 760px;

    margin: 0 auto 46px;

    text-align: center;

}

.faq-head span {

    display: inline-flex;

    margin-bottom: 12px;

    color: var(--blue);

    font-size: 13px;

    font-weight: 500;

    letter-spacing: .08em;

    text-transform: uppercase;

}

.faq-head h2 {

    font-size: clamp(36px, 4vw, 56px);

}

.faq-head p {

    font-size: 17px;

    color: var(--body);

    line-height: 1.75;

}

.faq-accordion {

    max-width: 920px;

    margin: 0 auto;

    border-top: 1px solid rgba(3,52,142,.18);

}

.faq-item {

    border-bottom: 1px solid rgba(3,52,142,.18);

}

.faq-question {

    width: 100%;

    min-height: 76px;

    padding: 0;

    background: transparent;

    color: var(--heading);

    border: 0;

    border-radius: 0;

    box-shadow: none;

    display: flex;

    align-items: center;

    justify-content: space-between;

    gap: 28px;

    text-align: left;

    font-family: 'FreightTextPro', Georgia, serif;

    font-size: 28px;

    font-weight: 300;

    cursor: pointer;

}

.faq-question:hover {

    background: transparent;

    box-shadow: none;

    transform: none;

    color: var(--blue);

}

.faq-question b {

    width: 34px;

    height: 34px;

    flex: 0 0 34px;

    border-radius: 50%;

    background: rgba(3,52,142,.08);

    color: var(--blue);

    display: grid;

    place-items: center;

    font-family: 'Graphik', Arial, sans-serif;

    font-size: 22px;

    font-weight: 300;

    transition: transform .3s ease, background .3s ease;

}

.faq-item.is-open .faq-question b {

    transform: rotate(45deg);

    background: var(--blue);

    color: #fff;

}

.faq-answer {

    max-height: 0;

    overflow: hidden;

    transition: max-height .55s cubic-bezier(.22, 1, .36, 1);

}

.faq-answer p {

    max-width: 760px;

    padding: 0 72px 28px 0;

    margin: 0;

    color: var(--body);

    font-size: 16px;

    line-height: 1.85;

    font-weight: 400;

}

@media (max-width: 760px) {

    .faq-question {

        min-height: 68px;

        font-size: 23px;

    }

    .faq-answer p {

        padding-right: 0;

    }

}
.site-footer {
    padding: 64px 0 34px;
    background: #f4f8fc;
    border-top: 1px solid var(--line);
    color: #63738c;
}

.footer-main {
    display: grid;
    grid-template-columns: 1.45fr .75fr .75fr .75fr;
    gap: 34px;
    padding-bottom: 42px;
}

.footer-brand,
.footer-col {
    position: relative;
}

.footer-col {
    padding-left: 34px;
    border-left: 1px solid rgba(3,52,142,.18);
}

.footer-logo img {
    max-width: 190px;
    margin-bottom: 22px;
}

.footer-slogan {
    max-width: 380px;
    color: var(--heading);
    font-family: 'FreightTextPro', Georgia, serif;

    font-size: 20px;     /* bilo ~28px */
    line-height: 1.3;

    margin-bottom: 18px;
}

.footer-rating {
    max-width: 420px;
    padding: 18px 20px;
    display: flex;
    align-items: center;
    gap: 16px;
    background: rgba(255,255,255,.72);
    border: 1px solid rgba(3,52,142,.14);
    border-radius: 18px;
    box-shadow: 0 14px 36px rgba(10,26,80,.08);
}

.footer-rating img {
    width: 54px;
    height: 54px;
    object-fit: contain;
    flex: 0 0 auto;
}

.footer-rating span {
    display: flex;
    flex-direction: column;
    gap: 2px;
}

.footer-rating strong {
    color: var(--yellow);
    font-size: 11px;
    letter-spacing: 2px;
}

.footer-rating b {
    color: #151a24;
    font-size: 13px;
    font-weight: 500;
    line-height: 1.25;
}

.footer-rating em {
    color: #555d6d;
    font-size: 10px;
    opacity: 0.7;
    font-style: normal;
}

.footer-col h4 {
    margin: 0 0 20px;
    color: var(--heading);
    font-family: 'Graphik', Arial, sans-serif;
    font-size: 14px;
    font-weight: 500;
    letter-spacing: .08em;
    text-transform: uppercase;
}

.footer-col a {
    display: block;
    margin-bottom: 12px;
    color: #3c4252;
    font-size: 15px;
    font-weight: 300;
}

.footer-col a:hover {
    color: var(--blue);
    font-weight: 400;
}

.footer-bottom {
    padding-top: 26px;
    border-top: 1px solid rgba(3,52,142,.16);
    font-size: 14px;
    line-height: 1.75;
}

.footer-bottom p {
    margin-bottom: 10px;
}

@media (max-width: 980px) {
    .footer-main {
        grid-template-columns: 1fr 1fr;
    }

    .footer-col {
        padding-left: 0;
        border-left: 0;
        border-top: 1px solid rgba(3,52,142,.14);
        padding-top: 24px;
    }
}

@media (max-width: 640px) {
    .footer-main {
        grid-template-columns: 1fr;
    }

    .footer-rating {
        align-items: flex-start;
    }

    .footer-slogan {
        font-size: 24px;
    }
}
.footer-rating {
    border: none;
}
.footer-rating {
    border: none;
    background: transparent;
    box-shadow: none;
    padding: 0;
}
.footer-rating {
    cursor: pointer;
    transition: opacity .2s ease;
}

.footer-rating:hover {
    opacity: 0.8;
}
.footer-rating:hover b {
    text-decoration: underline;
}
.footer-rating {
    display: inline-flex;
    align-items: center;
    gap: 10px;

    text-decoration: none;
    cursor: pointer;

    transition: transform .2s ease, opacity .2s ease;
}

.footer-rating img {
    width: 34px;
    height: 34px;
    object-fit: contain;
    flex: 0 0 auto;

    transition: transform .25s ease;
}

.footer-rating span {
    display: flex;
    flex-direction: column;
    gap: 2px;
}

.footer-rating strong {
    font-size: 11px;
    letter-spacing: 2px;
    color: #ffbb00; /* zvezdice */
}

.footer-rating b {
    font-size: 13px;
    font-weight: 500;
    color: #1a1f2b;
    line-height: 1.2;
}

.footer-rating em {
    font-size: 10px;
    color: #6c7484;
    font-style: normal;
}

/* 🔥 HOVER PRO */
.footer-rating:hover {
    transform: translateY(-1px);
    opacity: 0.9;
}

.footer-rating:hover img {
    transform: scale(1.06);
}

.footer-rating:hover b {
    text-decoration: underline;
}
.footer-rating:hover strong {
    letter-spacing: 2.5px;
}
.inner-hero {
    position: relative;
    height: 450px;
    display: flex;
    align-items: center;
    overflow: hidden;
}

.inner-hero-bg {
    position: absolute;
    inset: 0;
    background-size: cover;
    background-position: center;
    transform: scale(1.05);
}

.inner-hero::after {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(
        90deg,
        rgba(2,36,95,.88) 0%,
        rgba(3,52,142,.55) 50%,
        rgba(3,52,142,.15) 100%
    );
}

/* KLJUČ */
.inner-hero .container {
    position: relative;
    z-index: 2;
}

/* GRID LAYOUT */
.inner-hero-content {
    display: grid;
    grid-template-columns: 1.2fr 1fr;
    gap: 60px;
    align-items: center;
}

/* KICKER */
.hero-kicker {
    grid-column: 1 / -1;
    font-size: 12px;
    letter-spacing: .15em;
    text-transform: uppercase;
    color: rgba(255,255,255,.7);
    margin-bottom: 10px;
}

/* LEVA STRANA */
.inner-hero-content h1 {
    font-size: clamp(34px, 3.5vw, 46px);
    line-height: 1.2;
    color: #fff;
    margin: 0;
    max-width: 520px;
}

/* DESNA STRANA */
.inner-hero-content p {
    font-size: 15px;
    line-height: 1.7;
    color: rgba(255,255,255,.9);
    margin: 0;
    max-width: 420px;
}

/* MOBILE */
@media (max-width: 900px) {
    .inner-hero {
        height: auto;
        padding: 80px 0;
    }

    .inner-hero-content {
        grid-template-columns: 1fr;
        gap: 20px;
    }

    .inner-hero-content p {
        max-width: 100%;
    }
}
.services-grid {
    gap: 28px;
}

.service-card {
    padding: 26px 22px;
    border-radius: 14px;
    background: #fff;

    border: 1px solid rgba(3,52,142,.10);

    transition: all .25s ease;
}

.service-card:hover {
    transform: translateY(-6px);
    border-color: rgba(3,52,142,.25);
    box-shadow: 0 12px 28px rgba(10,26,80,.08);
}

/* IKONA */
.service-icon {
    width: 42px;
    height: 42px;
    margin-bottom: 16px;

    display: flex;
    align-items: center;
    justify-content: center;

    border-radius: 50%;
    background: rgba(0,150,136,.08);
}

.service-icon svg {
    width: 20px;
    height: 20px;
    stroke: #009688;
    stroke-width: 1.6;
    fill: none;
}

/* TEXT */
.service-card h3 {
    font-size: 20px;
    margin-bottom: 10px;
}

.service-card p {
    font-size: 14.5px;
    line-height: 1.6;
    color: var(--body);
    margin-bottom: 14px;
}

/* LINK */
.service-card a {
    font-size: 14px;
    font-weight: 500;
    color: var(--blue);
}

.service-card a span {
    margin-left: 6px;
    transition: transform .2s ease;
}

.service-card a:hover span {
    transform: translateX(4px);
}
.services-highlight {
    background: #f7faff;
}

.services-highlight-inner {
    display: grid;
    grid-template-columns: 1.1fr .9fr;
    gap: 60px;
    align-items: center;
}

.services-highlight-left h2 {
    font-size: 34px;
    margin-bottom: 16px;
}

.services-highlight-left .lead {
    font-size: 16px;
    margin-bottom: 24px;
    color: var(--body);
}

/* CHECK LIST */
.check-list {
    list-style: none;
    padding: 0;
    margin: 0 0 26px;
}

.check-list li {
    position: relative;
    padding-left: 36px;
    margin-bottom: 14px;
    font-size: 15px;
}

/* IKONA */
.check-list li::before {
    content: '';
    position: absolute;
    left: 0;
    top: 4px;

    width: 20px;
    height: 20px;
    border-radius: 50%;

    background: #009688;
}

/* CHECK */
.check-list li::after {
    content: '✓';
    position: absolute;
    left: 5px;
    top: 1px;
    font-size: 13px;
    color: #fff;
}

/* BUTTON */
.btn-primary {
    display: inline-block;
    padding: 12px 22px;
    border-radius: 6px;
    background: #03348e;
    color: #fff;
    font-weight: 500;
}

/* IMAGE */
.services-highlight-right {
    position: relative;
    height: 100%;
    display: flex;
}

/* GLOW BACKGROUND */
.services-highlight-right::before {
    content: '';
    position: absolute;
    inset: 20px -20px -20px 20px;

    background: linear-gradient(135deg, rgba(3,52,142,.12), rgba(0,150,136,.10));
    border-radius: 18px;

    z-index: 1;
    filter: blur(12px);
}

/* IMAGE WRAPPER */
.services-highlight-right img {
    position: relative;
    z-index: 2;

    width: 100%;
    height: 100%;

    object-fit: cover;
    border-radius: 16px;

    box-shadow: 0 24px 60px rgba(10,26,80,.18);

    transition: transform .35s ease, box-shadow .35s ease;
}

/* HOVER EFFECT */
.services-highlight-right:hover img {
    transform: translateY(-6px) scale(1.02);
    box-shadow: 0 30px 70px rgba(10,26,80,.22);
}
.services-highlight-right::before {
    opacity: 0.8;
}
.services-highlight-right::before {
    display: none;
}
/* MOBILE */
@media (max-width: 900px) {
    .services-highlight-inner {
        grid-template-columns: 1fr;
    }
}
.services-highlight-right img {
    box-shadow: 0 18px 40px rgba(10,26,80,.12);
}
.services-wide-cta {
    position: relative;
    min-height: 620px;
    display: flex;
    align-items: center;
    overflow: hidden;
}

.services-wide-bg {
    position: absolute;
    inset: 0;
    background-size: cover;
    background-position: center;
    transform: scale(1.04);
}

.services-wide-overlay {
    position: absolute;
    inset: 0;
    background:
        linear-gradient(90deg, rgba(2,36,95,.92) 0%, rgba(3,52,142,.72) 48%, rgba(3,52,142,.18) 100%),
        linear-gradient(0deg, rgba(2,20,55,.30), rgba(2,20,55,.08));
}

.services-wide-content {
    position: relative;
    z-index: 2;
    max-width: 760px;
    color: #fff;
    padding: 95px 0;
}

.services-wide-content h2 {
    color: #fff;
    font-size: clamp(38px, 5vw, 64px);
    margin-bottom: 22px;
}

.services-wide-content p {
    color: rgba(255,255,255,.88);
    font-size: 18px;
    line-height: 1.75;
    margin-bottom: 28px;
}

.wide-checks {
    list-style: none;
    padding: 0;
    margin: 0 0 32px;
}

.wide-checks li {
    position: relative;
    padding-left: 40px;
    margin-bottom: 15px;
    color: rgba(255,255,255,.92);
    font-size: 16px;
    line-height: 1.55;
}

.wide-checks li::before {
    content: '✓';
    position: absolute;
    left: 0;
    top: -1px;
    width: 26px;
    height: 26px;
    border-radius: 50%;
    background: var(--green);
    color: #fff;
    display: grid;
    place-items: center;
    font-size: 14px;
    font-weight: 500;
}

@media (max-width: 760px) {
    .services-wide-cta {
        min-height: 680px;
    }

    .services-wide-content p {
        font-size: 16px;
    }
}
.svc-process {
    position: relative;
    background:
        radial-gradient(circle at 12% 18%, rgba(3,52,142,.08), transparent 28%),
        linear-gradient(180deg, #f8fbff, #ffffff);
    overflow: hidden;
}

.svc-process-head {
    max-width: 760px;
    margin: 0 0 58px;
}

.svc-process-head h2 {
    font-size: clamp(34px, 4vw, 54px);
    margin-bottom: 14px;
}

.svc-process-head p {
    max-width: 680px;
    color: var(--body);
    font-size: 17px;
    line-height: 1.75;
}

.svc-process-grid {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 28px;
}

.svc-process-card {
    position: relative;
    min-height: 270px;
    padding: 84px 28px 30px;
    background: rgba(255,255,255,.78);
    border: 1px solid rgba(3,52,142,.13);
    border-radius: 18px;
    box-shadow: 0 18px 48px rgba(10,26,80,.08);
    overflow: hidden;
    transition: transform .32s ease, box-shadow .32s ease, border-color .32s ease;
}

.svc-process-card::before {
    content: attr(data-step);
    position: absolute;
    left: 24px;
    top: 18px;
    font-family: 'FreightTextPro', Georgia, serif;
    font-size: 92px;
    line-height: .8;
    font-weight: 300;
    color: rgba(3,52,142,.09);
    transition: color .32s ease, transform .32s ease;
}

.svc-process-card::after {
    content: '';
    position: absolute;
    left: 28px;
    right: 28px;
    top: 70px;
    height: 1px;
    background: linear-gradient(90deg, rgba(3,52,142,.35), transparent);
}

.svc-process-card h3 {
    position: relative;
    z-index: 2;
    font-size: 28px;
    margin-bottom: 14px;
}

.svc-process-card p {
    position: relative;
    z-index: 2;
    color: var(--body);
    font-size: 15px;
    line-height: 1.75;
    margin: 0;
}

.svc-process-card:hover {
    transform: translateY(-7px);
    border-color: rgba(3,52,142,.28);
    box-shadow: 0 26px 68px rgba(10,26,80,.14);
}

.svc-process-card:hover::before {
    color: rgba(3,52,142,.15);
    transform: translateX(6px);
}

@media (max-width: 900px) {
    .svc-process-grid {
        grid-template-columns: 1fr;
    }

    .svc-process-card {
        min-height: auto;
    }
}
.financial-intro-inner {
    display: grid;
    grid-template-columns: 1.1fr .9fr;
    gap: 60px;
    align-items: center;
}

.financial-intro-left h2 {
    font-size: 34px;
    margin-bottom: 16px;
}

.financial-intro-left .lead {
    font-size: 16px;
    line-height: 1.7;
    margin-bottom: 18px;
    color: var(--body);
}

.financial-intro-left .note {
    font-size: 14px;
    line-height: 1.6;
    color: #6c7484;
    margin-bottom: 26px;
}

/* BUTTON (plavo na beloj) */
.btn-primary {
    display: inline-block;
    padding: 12px 22px;
    border-radius: 6px;
    background: #03348e;
    color: #fff;
    font-weight: 500;
}

/* IMAGE */
.financial-intro-right {
    height: 100%;
}

.financial-intro-right img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    border-radius: 14px;
}

/* MOBILE */
@media (max-width: 900px) {
    .financial-intro-inner {
        grid-template-columns: 1fr;
    }
}
.financial-grid-section {
    background: #fff;
}

.financial-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 26px;
}

.financial-card {
    position: relative;
    min-height: 250px;
    padding: 30px 26px;
    background: #fff;
    border: 1px solid rgba(3,52,142,.12);
    border-radius: 16px;
    box-shadow: 0 14px 36px rgba(10,26,80,.06);
    transition: transform .28s ease, box-shadow .28s ease, border-color .28s ease;
}

.financial-card:hover {
    transform: translateY(-6px);
    border-color: rgba(3,52,142,.26);
    box-shadow: 0 22px 56px rgba(10,26,80,.12);
}

.financial-icon {
    width: 52px;
    height: 52px;
    margin-bottom: 22px;
    display: grid;
    place-items: center;
    border-radius: 14px;
    background: rgba(3,52,142,.06);
}

.financial-icon svg {
    width: 29px;
    height: 29px;
    stroke: var(--blue);
    stroke-width: 1.35;
    fill: none;
    stroke-linecap: round;
    stroke-linejoin: round;
}

.financial-card h3 {
    font-size: 27px;
    margin-bottom: 14px;
}

.financial-card p {
    font-size: 15px;
    line-height: 1.75;
    color: var(--body);
    margin: 0;
}

@media (max-width: 980px) {
    .financial-grid {
        grid-template-columns: 1fr;
    }
}
.financial-wide-split {
    position: relative;
    min-height: 320px;
    display: flex;
    align-items: center;
    overflow: hidden;
}

/* BG */
.financial-wide-bg {
    position: absolute;
    inset: 0;
    background-size: cover;
    background-position: center;
    transform: scale(1.05);
}

/* OVERLAY */
.financial-wide-overlay {
    position: absolute;
    inset: 0;
    background: linear-gradient(
        90deg,
        rgba(2,36,95,.9),
        rgba(3,52,142,.75)
    );
}

/* CONTENT */
.financial-wide-inner {
    position: relative;
    z-index: 2;

    display: grid;
    grid-template-columns: 1fr auto 1fr;
    gap: 40px;

    align-items: center;
}

/* TEXT */
.financial-wide-left,
.financial-wide-right {
    color: #fff;
}

.financial-wide-left p,
.financial-wide-right p {
    font-size: 20px;
    line-height: 1.9;
    font-family: 'FreightTextPro', serif;
    font-weight: 300;
}

/* DIVIDER */
.financial-wide-divider {
    width: 1px;
    height: 120px;
    background: rgba(255,255,255,.5);
}

/* MOBILE */
@media (max-width: 900px) {
    .financial-wide-inner {
        grid-template-columns: 1fr;
        gap: 24px;
    }

    .financial-wide-divider {
        display: none;
    }

    .financial-wide-left p,
    .financial-wide-right p {
        font-size: 17px;
    }
}
.financial-trust {
    background: #f8fbff;
}

.financial-trust-inner {
    display: grid;
    grid-template-columns: 1.15fr .85fr;
    gap: 60px;
    align-items: center;
}

.financial-trust-copy h2 {
    font-size: clamp(34px, 4vw, 54px);
    margin-bottom: 18px;
}

.financial-trust-copy .lead {
    max-width: 680px;
    font-size: 17px;
    line-height: 1.75;
    color: var(--body);
    margin-bottom: 28px;
}

.financial-trust-panel {
    padding: 44px 38px;
    background: linear-gradient(135deg, #02245f, #03348e);
    border-radius: 18px;
    color: #fff;
    box-shadow: 0 24px 60px rgba(10,26,80,.18);
}

.financial-trust-panel h3 {
    color: #fff;
    font-size: 34px;
    margin-bottom: 18px;
}

.financial-trust-panel p {
    color: rgba(255,255,255,.88);
    font-size: 16px;
    line-height: 1.8;
}

@media (max-width: 900px) {
    .financial-trust-inner {
        grid-template-columns: 1fr;
    }
}
.banking-intro-inner {
    display: grid;
    grid-template-columns: 1.1fr .9fr;
    gap: 60px;
    align-items: center;
}

.banking-intro-left h2 {
    font-size: 34px;
    margin-bottom: 16px;
}

.banking-intro-left .lead {
    font-size: 16px;
    line-height: 1.75;
    margin-bottom: 18px;
    color: var(--body);
}

.banking-intro-left p {
    font-size: 15px;
    line-height: 1.7;
    margin-bottom: 16px;
}

.banking-intro-left .note {
    font-size: 14px;
    color: #6c7484;
    margin-bottom: 26px;
}

/* IMAGE */
.banking-intro-right img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    border-radius: 14px;
}

/* MOBILE */
@media (max-width: 900px) {
    .banking-intro-inner {
        grid-template-columns: 1fr;
    }
}
.banking-partners {
    background: #f8fbff;
}

.banking-partners-head {
    max-width: 860px;
    margin-bottom: 42px;
}

.banking-partners-head h2 {
    font-size: clamp(34px, 4vw, 54px);
    margin-bottom: 18px;
}

.banking-partners-head p {
    max-width: 760px;
    font-size: 17px;
    line-height: 1.75;
    color: var(--body);
}

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

.bank-card {
    min-height: 260px;
    padding: 34px 28px 28px;
    display: flex;
    flex-direction: column;
    background: #fff;
    border: 1px solid rgba(3,52,142,.13);
    border-radius: 18px;
    box-shadow: 0 14px 36px rgba(10,26,80,.06);
    transition: transform .28s ease, box-shadow .28s ease, border-color .28s ease;
}

.bank-card:hover {
    transform: translateY(-6px);
    border-color: rgba(3,52,142,.28);
    box-shadow: 0 24px 60px rgba(10,26,80,.13);
}

.bank-card img {
    height: 74px;
    max-width: 230px;
    object-fit: contain;
    object-position: left center;
    margin-bottom: 28px;
}

.bank-card h3 {
    font-family: 'Graphik', Arial, sans-serif;
    font-size: 18px;
    font-weight: 500;
    color: #151a24;
    margin-bottom: 8px;
}

.bank-card p {
    color: #5b6678;
    font-size: 15px;
    line-height: 1.65;
    margin: 0;
}

@media (max-width: 980px) {
    .bank-grid {
        grid-template-columns: 1fr;
    }

    .bank-card {
        min-height: auto;
    }
}
.banking-cta {
    position: relative;
    padding: 120px 0;
    overflow: hidden;
}

/* BG */
.banking-cta-bg {
    position: absolute;
    inset: 0;
    background-size: cover;
    background-position: center;
    transform: scale(1.06);
}

/* OVERLAY */
.banking-cta-overlay {
    position: absolute;
    inset: 0;
    background: linear-gradient(
        120deg,
        rgba(2,36,95,.95),
        rgba(3,52,142,.85)
    );
}

/* CONTENT */
.banking-cta-inner {
    position: relative;
    z-index: 2;
}

.banking-cta-content {
    max-width: 640px;
    color: #fff;
}

/* TEXT */
.banking-cta-content h2 {
    color: #fff;
    font-size: clamp(34px, 4vw, 56px);
    margin-bottom: 16px;
}

.banking-cta-content .lead {
    font-size: 17px;
    line-height: 1.8;
    color: rgba(255,255,255,.9);
    margin-bottom: 28px;
}

/* CHECK LIST LIGHT */
.check-list.light li {
    color: #fff;
}

/* BUTTON YELLOW */
.btn-yellow {
    display: inline-block;
    margin-top: 18px;
    padding: 14px 26px;
    background: #ffbb00;
    color: #02245f;
    font-weight: 600;
    border-radius: 6px;
    transition: transform .25s ease, box-shadow .25s ease;
}

.btn-yellow:hover {
    transform: translateY(-2px);
    box-shadow: 0 12px 28px rgba(0,0,0,.2);
}

/* MOBILE */
@media (max-width: 768px) {
    .banking-cta {
        padding: 80px 0;
    }

    .banking-cta-content h2 {
        font-size: 32px;
    }
}
.banking-cta .section-mini {
    color: rgba(255,255,255,.85);
}
.banking-login-cta {
    padding: 70px 0;
    background: #f8fbff;
    border-top: 1px solid rgba(3,52,142,.1);
    border-bottom: 1px solid rgba(3,52,142,.1);
}

.banking-login-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 40px;
}

.banking-login-text h2 {
    font-size: 28px;
    margin-bottom: 10px;
}

.banking-login-text p {
    font-size: 15px;
    color: var(--body);
    max-width: 520px;
}

/* dugme malo jače */
.banking-login-action .btn-primary {
    padding: 14px 26px;
}

/* MOBILE */
@media (max-width: 768px) {
    .banking-login-inner {
        flex-direction: column;
        align-items: flex-start;
    }
}
.debt-intro-inner {
    display: grid;
    grid-template-columns: 1.1fr .9fr;
    gap: 60px;
    align-items: center;
}

.debt-intro-left h2 {
    font-size: 34px;
    margin-bottom: 16px;
}

.debt-intro-left .lead {
    font-size: 16px;
    line-height: 1.75;
    margin-bottom: 20px;
    color: var(--body);
}

.debt-intro-left .note {
    font-size: 14px;
    color: #6c7484;
    margin-top: 20px;
    margin-bottom: 26px;
}

/* IMAGE */
.debt-intro-right img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    border-radius: 14px;
}

/* MOBILE */
@media (max-width: 900px) {
    .debt-intro-inner {
        grid-template-columns: 1fr;
    }
}
.debt-process {
    background:
        radial-gradient(circle at 15% 15%, rgba(3,52,142,.08), transparent 28%),
        linear-gradient(180deg, #f8fbff, #ffffff);
}

.debt-process-head {
    max-width: 780px;
    margin-bottom: 54px;
}

.debt-process-head h2 {
    font-size: clamp(34px, 4vw, 54px);
    margin-bottom: 14px;
}

.debt-process-head p {
    max-width: 700px;
    font-size: 17px;
    line-height: 1.75;
    color: var(--body);
}

.debt-process-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 22px;
}

.debt-process-card {
    position: relative;
    min-height: 280px;
    padding: 86px 24px 28px;
    background: rgba(255,255,255,.82);
    border: 1px solid rgba(3,52,142,.13);
    border-radius: 18px;
    box-shadow: 0 16px 42px rgba(10,26,80,.07);
    overflow: hidden;
    transition: transform .32s ease, box-shadow .32s ease, border-color .32s ease;
}

.debt-process-card::before {
    content: attr(data-step);
    position: absolute;
    left: 22px;
    top: 18px;
    font-family: 'FreightTextPro', Georgia, serif;
    font-size: 86px;
    line-height: .8;
    font-weight: 300;
    color: rgba(3,52,142,.09);
    transition: color .32s ease, transform .32s ease;
}

.debt-process-card::after {
    content: '';
    position: absolute;
    left: 24px;
    right: 24px;
    top: 70px;
    height: 1px;
    background: linear-gradient(90deg, rgba(3,52,142,.34), transparent);
}

.debt-process-card h3 {
    position: relative;
    z-index: 2;
    font-size: 25px;
    margin-bottom: 12px;
}

.debt-process-card p {
    position: relative;
    z-index: 2;
    font-size: 14.5px;
    line-height: 1.7;
    color: var(--body);
    margin: 0;
}

.debt-process-card:hover {
    transform: translateY(-7px);
    border-color: rgba(3,52,142,.28);
    box-shadow: 0 26px 66px rgba(10,26,80,.13);
}

.debt-process-card:hover::before {
    color: rgba(3,52,142,.15);
    transform: translateX(5px);
}

@media (max-width: 1100px) {
    .debt-process-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (max-width: 700px) {
    .debt-process-grid {
        grid-template-columns: 1fr;
    }
}
.debt-trust {
    position: relative;
    padding: 110px 0;
    overflow: hidden;
}

/* BG */
.debt-trust-bg {
    position: absolute;
    inset: 0;
    background-size: cover;
    background-position: center;
    transform: scale(1.05);
}

/* OVERLAY */
.debt-trust-overlay {
    position: absolute;
    inset: 0;
    background: linear-gradient(
        120deg,
        rgba(2,36,95,.95),
        rgba(3,52,142,.85)
    );
}

/* CONTENT */
.debt-trust-inner {
    position: relative;
    z-index: 2;
}

.debt-trust-content {
    max-width: 640px;
    color: #fff;
}

/* TEXT */
.debt-trust-content h2 {
    font-size: clamp(34px, 4vw, 56px);
    margin-bottom: 16px;
    color: #fff;
}

.debt-trust-content .lead {
    font-size: 17px;
    line-height: 1.8;
    color: rgba(255,255,255,.9);
    margin-bottom: 28px;
}

/* kicker light */
.section-mini.light {
    color: rgba(255,255,255,.8);
}

/* MOBILE */
@media (max-width: 768px) {
    .debt-trust {
        padding: 80px 0;
    }

    .debt-trust-content h2 {
        font-size: 32px;
    }
}
.debt-final-inner {
    display: grid;
    grid-template-columns: 1.1fr .9fr;
    gap: 60px;
    align-items: center;
}

.debt-final-left h2 {
    font-size: 34px;
    margin-bottom: 14px;
}

.debt-final-left .lead {
    font-size: 16px;
    line-height: 1.75;
    margin-bottom: 24px;
}

/* BOX DESNO */
.debt-final-box {
    padding: 36px;
    background: #fff;
    border-radius: 16px;
    border: 1px solid rgba(3,52,142,.15);
    box-shadow: 0 18px 44px rgba(10,26,80,.08);
}

.debt-final-box h3 {
    font-size: 22px;
    margin-bottom: 12px;
}

.debt-final-box p {
    font-size: 14.5px;
    margin-bottom: 18px;
    color: var(--body);
}

/* MOBILE */
@media (max-width: 900px) {
    .debt-final-inner {
        grid-template-columns: 1fr;
    }
}
.ma-intro-inner {
    display: grid;
    grid-template-columns: 1.1fr .9fr;
    gap: 60px;
    align-items: center;
}

.ma-intro-left h2 {
    font-size: 34px;
    margin-bottom: 16px;
}

.ma-intro-left .lead {
    font-size: 16px;
    line-height: 1.75;
    margin-bottom: 20px;
    color: var(--body);
}

.ma-intro-left .note {
    font-size: 14px;
    color: #6c7484;
    margin-top: 20px;
    margin-bottom: 26px;
}

/* IMAGE */
.ma-intro-right img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    border-radius: 14px;
}

/* MOBILE */
@media (max-width: 900px) {
    .ma-intro-inner {
        grid-template-columns: 1fr;
    }
}
.ma-deals {
    background: #f8fbff;
}

.ma-deals-head {
    max-width: 780px;
    margin-bottom: 50px;
}

.ma-deals-head h2 {
    font-size: clamp(34px, 4vw, 54px);
    margin-bottom: 14px;
}

.ma-deals-head p {
    font-size: 17px;
    line-height: 1.75;
    color: var(--body);
}

/* GRID */
.ma-deals-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
}

/* CARD */
.ma-deal-card {
    padding: 30px 26px;
    background: #fff;
    border-radius: 16px;
    border: 1px solid rgba(3,52,142,.14);
    box-shadow: 0 14px 36px rgba(10,26,80,.06);
    transition: all .28s ease;
}

.ma-deal-card:hover {
    transform: translateY(-6px);
    box-shadow: 0 24px 60px rgba(10,26,80,.12);
}

.ma-deal-card h3 {
    font-size: 20px;
    margin-bottom: 10px;
}

.ma-deal-card p {
    font-size: 14.5px;
    line-height: 1.7;
    color: var(--body);
}

/* MOBILE */
@media (max-width: 1000px) {
    .ma-deals-grid {
        grid-template-columns: 1fr 1fr;
    }
}

@media (max-width: 600px) {
    .ma-deals-grid {
        grid-template-columns: 1fr;
    }
}

.ma-process {
    background:
        radial-gradient(circle at 12% 18%, rgba(3,52,142,.08), transparent 28%),
        linear-gradient(180deg, #ffffff, #f8fbff);
}

.ma-process-head {
    max-width: 820px;
    margin-bottom: 54px;
}

.ma-process-head h2 {
    font-size: clamp(34px, 4vw, 54px);
    margin-bottom: 14px;
}

.ma-process-head p {
    max-width: 760px;
    font-size: 17px;
    line-height: 1.75;
    color: var(--body);
}

.ma-process-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 22px;
}

.ma-process-card {
    position: relative;
    min-height: 285px;
    padding: 88px 24px 28px;
    background: rgba(255,255,255,.84);
    border: 1px solid rgba(3,52,142,.13);
    border-radius: 18px;
    box-shadow: 0 16px 42px rgba(10,26,80,.07);
    overflow: hidden;
    transition: transform .32s ease, box-shadow .32s ease, border-color .32s ease;
}

.ma-process-card::before {
    content: attr(data-step);
    position: absolute;
    left: 22px;
    top: 18px;
    font-family: 'FreightTextPro', Georgia, serif;
    font-size: 88px;
    line-height: .8;
    font-weight: 300;
    color: rgba(3,52,142,.09);
    transition: color .32s ease, transform .32s ease;
}

.ma-process-card::after {
    content: '';
    position: absolute;
    left: 24px;
    right: 24px;
    top: 72px;
    height: 1px;
    background: linear-gradient(90deg, rgba(3,52,142,.34), transparent);
}

.ma-process-card h3 {
    position: relative;
    z-index: 2;
    font-size: 25px;
    margin-bottom: 12px;
}

.ma-process-card p {
    position: relative;
    z-index: 2;
    font-size: 14.5px;
    line-height: 1.7;
    color: var(--body);
    margin: 0;
}

.ma-process-card:hover {
    transform: translateY(-7px);
    border-color: rgba(3,52,142,.28);
    box-shadow: 0 26px 66px rgba(10,26,80,.13);
}

.ma-process-card:hover::before {
    color: rgba(3,52,142,.15);
    transform: translateX(5px);
}

@media (max-width: 1100px) {
    .ma-process-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (max-width: 700px) {
    .ma-process-grid {
        grid-template-columns: 1fr;
    }
}

.ma-cta {
    position: relative;
    padding: 120px 0;
    overflow: hidden;
}

/* BG */
.ma-cta-bg {
    position: absolute;
    inset: 0;
    background-size: cover;
    background-position: center;
    transform: scale(1.06);
}

/* OVERLAY */
.ma-cta-overlay {
    position: absolute;
    inset: 0;
    background: linear-gradient(
        120deg,
        rgba(2,36,95,.96),
        rgba(3,52,142,.85)
    );
}

/* CONTENT */
.ma-cta-inner {
    position: relative;
    z-index: 2;
}

.ma-cta-content {
    max-width: 640px;
    color: #fff;
}

/* TEXT */
.ma-cta-content h2 {
    font-size: clamp(36px, 4vw, 58px);
    margin-bottom: 16px;
    color: #fff;
}

.ma-cta-content .lead {
    font-size: 17px;
    line-height: 1.8;
    color: rgba(255,255,255,.9);
    margin-bottom: 28px;
}

/* KICKER */
.section-mini.light {
    color: rgba(255,255,255,.8);
}

/* BUTTON */
.btn-yellow {
    display: inline-block;
    margin-top: 18px;
    padding: 14px 28px;
    background: #ffbb00;
    color: #02245f;
    font-weight: 600;
    border-radius: 6px;
    transition: all .25s ease;
}

.btn-yellow:hover {
    transform: translateY(-2px);
    box-shadow: 0 14px 32px rgba(0,0,0,.25);
}

/* MOBILE */
@media (max-width: 768px) {
    .ma-cta {
        padding: 80px 0;
    }

    .ma-cta-content h2 {
        font-size: 32px;
    }
}
.ma-final-inner {
    display: grid;
    grid-template-columns: 1.1fr .9fr;
    gap: 60px;
    align-items: center;
}

.ma-final-left h2 {
    font-size: 34px;
    margin-bottom: 14px;
}

.ma-final-left .lead {
    font-size: 16px;
    line-height: 1.75;
    margin-bottom: 24px;
}

/* BOX */
.ma-final-box {
    padding: 36px;
    background: #fff;
    border-radius: 16px;
    border: 1px solid rgba(3,52,142,.15);
    box-shadow: 0 18px 44px rgba(10,26,80,.08);
}

.ma-final-box h3 {
    font-size: 22px;
    margin-bottom: 12px;
}

.ma-final-box p {
    font-size: 14.5px;
    margin-bottom: 18px;
    color: var(--body);
}

/* MOBILE */
@media (max-width: 900px) {
    .ma-final-inner {
        grid-template-columns: 1fr;
    }
}
.about-intro-inner {
    display: grid;
    grid-template-columns: 1.1fr .9fr;
    gap: 60px;
    align-items: center;
}

.about-intro-left h2 {
    font-size: 34px;
    margin-bottom: 16px;
}

.about-intro-left .lead {
    font-size: 16px;
    line-height: 1.75;
    margin-bottom: 18px;
    color: var(--body);
}

.about-intro-left .note {
    font-size: 14px;
    color: #6c7484;
    margin-top: 20px;
}

/* BOX */
.about-box {
    padding: 36px;
    background: #fff;
    border-radius: 16px;
    border: 1px solid rgba(3,52,142,.15);
    box-shadow: 0 18px 44px rgba(10,26,80,.08);
}

.about-box h3 {
    font-size: 22px;
    margin-bottom: 16px;
}

.about-box ul {
    list-style: none;
    padding: 0;
    margin: 0 0 20px;
}

.about-box ul li {
    margin-bottom: 10px;
    font-size: 14.5px;
}

/* MOBILE */
@media (max-width: 900px) {
    .about-intro-inner {
        grid-template-columns: 1fr;
    }
}
.about-values {
    background:
        radial-gradient(circle at 14% 18%, rgba(3,52,142,.08), transparent 28%),
        linear-gradient(180deg, #f8fbff, #ffffff);
}

.about-values-head {
    max-width: 780px;
    margin-bottom: 52px;
}

.about-values-head h2 {
    font-size: clamp(34px, 4vw, 54px);
    margin-bottom: 14px;
}

.about-values-head p {
    max-width: 720px;
    font-size: 17px;
    line-height: 1.75;
    color: var(--body);
}

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

.about-value-card {
    position: relative;
    min-height: 260px;
    padding: 82px 24px 28px;
    background: rgba(255,255,255,.84);
    border: 1px solid rgba(3,52,142,.13);
    border-radius: 18px;
    box-shadow: 0 16px 42px rgba(10,26,80,.07);
    overflow: hidden;
    transition: transform .32s ease, box-shadow .32s ease, border-color .32s ease;
}

.about-value-card span {
    position: absolute;
    left: 22px;
    top: 18px;
    font-family: 'FreightTextPro', Georgia, serif;
    font-size: 78px;
    line-height: .8;
    font-weight: 300;
    color: rgba(3,52,142,.09);
    transition: color .32s ease, transform .32s ease;
}

.about-value-card::after {
    content: '';
    position: absolute;
    left: 24px;
    right: 24px;
    top: 66px;
    height: 1px;
    background: linear-gradient(90deg, rgba(3,52,142,.34), transparent);
}

.about-value-card h3 {
    position: relative;
    z-index: 2;
    font-size: 25px;
    margin-bottom: 12px;
}

.about-value-card p {
    position: relative;
    z-index: 2;
    font-size: 14.5px;
    line-height: 1.7;
    color: var(--body);
    margin: 0;
}

.about-value-card:hover {
    transform: translateY(-7px);
    border-color: rgba(3,52,142,.28);
    box-shadow: 0 26px 66px rgba(10,26,80,.13);
}

.about-value-card:hover span {
    color: rgba(3,52,142,.16);
    transform: translateX(5px);
}

@media (max-width: 1100px) {
    .about-values-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (max-width: 700px) {
    .about-values-grid {
        grid-template-columns: 1fr;
    }
}

.about-process {
    background: #f8fbff;
}

.about-process-head {
    max-width: 780px;
    margin-bottom: 50px;
}

.about-process-head h2 {
    font-size: clamp(34px, 4vw, 54px);
    margin-bottom: 14px;
}

.about-process-head p {
    font-size: 17px;
    line-height: 1.75;
    color: var(--body);
}

/* GRID */
.about-process-steps {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 30px;
}

/* STEP */
.about-step {
    position: relative;
    padding-top: 80px;
}

/* HUGE NUMBER */
.about-step::before {
    content: attr(data-step);
    position: absolute;
    top: 0;
    left: 0;
    font-family: 'FreightTextPro', serif;
    font-size: 80px;
    font-weight: 300;
    color: rgba(3,52,142,.08);
}

/* LINE */
.about-step::after {
    content: '';
    position: absolute;
    top: 50px;
    right: -15px;
    width: 30px;
    height: 1px;
    background: rgba(3,52,142,.2);
}

.about-step:last-child::after {
    display: none;
}

.about-step h3 {
    font-size: 20px;
    margin-bottom: 10px;
}

.about-step p {
    font-size: 14.5px;
    line-height: 1.7;
    color: var(--body);
}

/* MOBILE */
@media (max-width: 900px) {
    .about-process-steps {
        grid-template-columns: 1fr;
    }

    .about-step::after {
        display: none;
    }
}
.about-stats {
    padding: 80px 0;
    background: #02245f;
}

.about-stats-inner {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 40px;
    text-align: center;
}

/* BROJ */
.stat-number {
    font-family: 'FreightTextPro', serif;
    font-size: 56px;
    font-weight: 300;
    color: #ffbb00;
    margin-bottom: 10px;
}

/* TEXT */
.stat-box p {
    color: rgba(255,255,255,.85);
    font-size: 15px;
}

/* MOBILE */
@media (max-width: 900px) {
    .about-stats-inner {
        grid-template-columns: 1fr 1fr;
    }
}
.about-statement {
    position: relative;
    padding: 120px 0;
    overflow: hidden;
}

/* BG */
.about-statement-bg {
    position: absolute;
    inset: 0;
    background-size: cover;
    background-position: center;
    transform: scale(1.06);
}

/* OVERLAY */
.about-statement-overlay {
    position: absolute;
    inset: 0;
    background: linear-gradient(
        120deg,
        rgba(2,36,95,.96),
        rgba(3,52,142,.85)
    );
}

/* CONTENT */
.about-statement-inner {
    position: relative;
    z-index: 2;
}

.about-statement-content {
    max-width: 640px;
    color: #fff;
}

/* TEXT */
.about-statement-content h2 {
    font-size: clamp(36px, 4vw, 58px);
    margin-bottom: 16px;
}

.about-statement-content .lead {
    font-size: 17px;
    line-height: 1.8;
    margin-bottom: 28px;
    color: rgba(255,255,255,.9);
}

/* BUTTON */
.btn-yellow {
    display: inline-block;
    margin-top: 18px;
    padding: 14px 28px;
    background: #ffbb00;
    color: #02245f;
    font-weight: 600;
    border-radius: 6px;
}
.about-statement h2 {
    color: #fff;
    text-shadow: 0 2px 10px rgba(0,0,0,.35);
}
.about-stats {
    padding: 90px 0;
    background: #02245f;
}

.about-stats-inner {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 50px;
    text-align: center;
}

/* ICON */
.stat-icon {
    margin-bottom: 14px;
}

.stat-icon svg {
    width: 42px;
    height: 42px;
    stroke: #fff;
    stroke-width: 1.4;
    fill: none;
    opacity: .85;
}

/* NUMBER */
.stat-number {
    font-family: 'FreightTextPro', serif;
    font-size: 54px;
    font-weight: 300;
    color: #ffd24a; /* svetlo zuto */
    margin-bottom: 8px;
    letter-spacing: -1px;
}

/* TEXT */
.stat-box p {
    color: rgba(255,255,255,.75);
    font-size: 14.5px;
}

/* HOVER subtle */
.stat-box:hover .stat-icon svg {
    opacity: 1;
    transform: translateY(-2px);
    transition: all .25s ease;
}

/* MOBILE */
@media (max-width: 900px) {
    .about-stats-inner {
        grid-template-columns: 1fr 1fr;
    }
}
.about-stats {
    position: relative;
    padding: 90px 0;
    background: #02245f;
    overflow: hidden;
}

/* SVG / lines overlay */
.about-stats::before {
    content: '';
    position: absolute;
    inset: 0;

    background-image:
        linear-gradient(rgba(255,255,255,.06) 1px, transparent 1px),
        linear-gradient(90deg, rgba(255,255,255,.06) 1px, transparent 1px);

    background-size: 80px 80px;
    opacity: .25;
}

/* blagi radial glow */
.about-stats::after {
    content: '';
    position: absolute;
    inset: 0;
    background: radial-gradient(circle at 20% 30%, rgba(255,255,255,.08), transparent 40%);
}
.stat-box {
    position: relative;
}

/* separator */
.stat-box:not(:last-child)::after {
    content: '';
    position: absolute;
    right: -25px;
    top: 20%;
    width: 1px;
    height: 60%;
    background: linear-gradient(
        to bottom,
        transparent,
        rgba(255,255,255,.25),
        transparent
    );
}
.about-stats-inner {
    position: relative;
    z-index: 2;
    gap: 60px;
}
.stat-box {
    backdrop-filter: blur(2px);
}
.about-stats {
    position: relative;
    padding: 100px 0;
    background: #02245f;
    overflow: hidden;
}

/* GRID */
.about-stats-inner {
    position: relative;
    z-index: 3;
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 60px;
    text-align: center;
}

/* =========================
   BACKGROUND LINES (ANIMATED)
========================= */
.about-stats::before {
    content: '';
    position: absolute;
    inset: 0;

    background-image:
        linear-gradient(rgba(255,255,255,.05) 1px, transparent 1px),
        linear-gradient(90deg, rgba(255,255,255,.05) 1px, transparent 1px);

    background-size: 80px 80px;
    animation: moveGrid 40s linear infinite;
    opacity: .35;
}

/* GRID ANIMATION */
@keyframes moveGrid {
    0% { transform: translate(0,0); }
    100% { transform: translate(80px,80px); }
}

/* =========================
   LIGHT BEAM EFFECT
========================= */
.about-stats::after {
    content: '';
    position: absolute;
    width: 600px;
    height: 600px;
    top: -150px;
    left: -150px;

    background: radial-gradient(circle, rgba(255,255,255,.15), transparent 70%);
    animation: moveGlow 12s ease-in-out infinite alternate;
}

@keyframes moveGlow {
    0% { transform: translate(0,0); }
    100% { transform: translate(200px,120px); }
}

/* =========================
   STAT BOX
========================= */
.stat-box {
    position: relative;
    padding: 10px;
    transition: all .35s ease;
}

/* HOVER GLOW */
.stat-box:hover {
    transform: translateY(-6px);
}

/* GLOW BG */
.stat-box::before {
    content: '';
    position: absolute;
    inset: -10px;
    border-radius: 16px;
    background: rgba(255,255,255,.04);
    opacity: 0;
    transition: all .3s ease;
}

.stat-box:hover::before {
    opacity: 1;
}

/* =========================
   ICON
========================= */
.stat-icon svg {
    width: 44px;
    height: 44px;
    stroke: #fff;
    stroke-width: 1.4;
    fill: none;
    opacity: .85;
    transition: all .3s ease;
}

.stat-box:hover .stat-icon svg {
    opacity: 1;
    transform: translateY(-2px);
}

/* =========================
   NUMBER
========================= */
.stat-number {
    font-family: 'FreightTextPro', serif;
    font-size: 56px;
    font-weight: 300;
    color: #ffd24a;
    margin-bottom: 8px;
    letter-spacing: -1px;
}

/* LINE UNDER NUMBER */
.stat-number::after {
    content: '';
    display: block;
    width: 32px;
    height: 1px;
    margin: 10px auto 0;
    background: rgba(255,255,255,.2);
}

/* TEXT */
.stat-box p {
    color: rgba(255,255,255,.75);
    font-size: 14.5px;
}

/* =========================
   VERTICAL DIVIDERS
========================= */
.stat-box:not(:last-child)::after {
    content: '';
    position: absolute;
    right: -30px;
    top: 20%;
    width: 1px;
    height: 60%;
    background: linear-gradient(
        to bottom,
        transparent,
        rgba(255,255,255,.3),
        transparent
    );
}

/* =========================
   MOBILE
========================= */
@media (max-width: 900px) {
    .about-stats-inner {
        grid-template-columns: 1fr 1fr;
        gap: 40px;
    }

    .stat-box::after {
        display: none;
    }
}
.contact-inner {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: start;
}

/* LEFT */
.contact-left h2 {
    font-size: 34px;
    margin-bottom: 14px;
}

.contact-left .lead {
    font-size: 16px;
    margin-bottom: 30px;
    color: var(--body);
}

.contact-info-item {
    margin-bottom: 20px;
}

.contact-info-item strong {
    display: block;
    font-size: 13px;
    color: #03348e;
    margin-bottom: 4px;
}

.contact-info-item p {
    font-size: 14.5px;
    color: #3c4252;
}

/* FORM */
.contact-right {
    padding: 32px;
    background: #fff;
    border-radius: 16px;
    border: 1px solid rgba(3,52,142,.12);
    box-shadow: 0 18px 44px rgba(10,26,80,.08);
}

.contact-form .form-group {
    margin-bottom: 16px;
}

.contact-form label {
    display: block;
    font-size: 13px;
    margin-bottom: 6px;
}

.contact-form input,
.contact-form textarea {
    width: 100%;
    padding: 12px 14px;
    border: 1px solid rgba(3,52,142,.2);
    border-radius: 8px;
    font-size: 14px;
}

/* SUCCESS / ERROR */
.form-success {
    padding: 12px;
    background: #e6f7ec;
    color: #1d7a46;
    border-radius: 6px;
    margin-bottom: 15px;
}

.form-error {
    padding: 12px;
    background: #fdeaea;
    color: #b42323;
    border-radius: 6px;
    margin-bottom: 15px;
}

/* MOBILE */
@media (max-width: 900px) {
    .contact-inner {
        grid-template-columns: 1fr;
    }
}
.contact-image {
    margin-top: 30px;
    position: relative;
    border-radius: 14px;
    overflow: hidden;
    box-shadow: 0 18px 44px rgba(10,26,80,.08);
}

.contact-image img {
    width: 100%;
    height: 240px;
    object-fit: cover;
    display: block;
}

/* overlay */
.contact-image-overlay {
    position: absolute;
    inset: 0;
    display: flex;
    align-items: flex-end;
    padding: 14px;

    background: linear-gradient(
        to top,
        rgba(0,0,0,.5),
        transparent
    );
}

.contact-image-overlay span {
    color: #fff;
    font-size: 13px;
    opacity: .85;
}
.contact-trust {
    padding: 70px 0;
    background: #f8fbff;
    border-top: 1px solid rgba(3,52,142,.1);
}

.contact-trust-inner {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 40px;
    text-align: center;
}

/* BOX */
.trust-box {
    padding: 20px;
}

/* ICON */
.trust-icon svg {
    width: 38px;
    height: 38px;
    stroke: #03348e;
    stroke-width: 1.4;
    fill: none;
    margin-bottom: 12px;
}

/* TITLE */
.trust-box h4 {
    font-size: 18px;
    margin-bottom: 6px;
}

/* TEXT */
.trust-box p {
    font-size: 14px;
    color: #3c4252;
    line-height: 1.6;
}

/* MOBILE */
@media (max-width: 900px) {
    .contact-trust-inner {
        grid-template-columns: 1fr;
    }
}
.contact-partners {
    position: relative;
    padding: 120px 0;
    overflow: hidden;
}

/* BG */
.contact-partners-bg {
    position: absolute;
    inset: 0;
    background-size: cover;
    background-position: center;
    transform: scale(1.06);
}

/* OVERLAY */
.contact-partners-overlay {
    position: absolute;
    inset: 0;
    background: linear-gradient(
        120deg,
        rgba(2,36,95,.96),
        rgba(3,52,142,.85)
    );
}

/* CONTENT */
.contact-partners-inner {
    position: relative;
    z-index: 2;
}

.contact-partners-content {
    max-width: 640px;
    color: #fff;
}

/* TEXT */
.contact-partners-content h2 {
    font-size: clamp(36px, 4vw, 56px);
    margin-bottom: 16px;
}

.contact-partners-content .lead {
    font-size: 17px;
    line-height: 1.8;
    margin-bottom: 28px;
    color: rgba(255,255,255,.9);
}

/* MOBILE */
@media (max-width: 768px) {
    .contact-partners {
        padding: 80px 0;
    }
}
.contact-partners h2 {
    color: #fff;
    text-shadow: 0 2px 12px rgba(0,0,0,.4);
}
.inner-hero--small {
    height: 250px;
}

.inner-hero--small .inner-hero-content {
    max-width: 520px;
}

/* manji tekst */
.inner-hero--small h1 {
    font-size: clamp(26px, 3vw, 34px);
}

.inner-hero--small p {
    font-size: 14px;
}
.partner-login-head {
    max-width: 860px;
    margin-bottom: 42px;
}

.partner-login-head h2 {
    font-size: clamp(34px, 4vw, 54px);
    margin-bottom: 16px;
}

.partner-login-head p {
    max-width: 760px;
    font-size: 17px;
    line-height: 1.75;
    color: var(--body);
}

.bank-login-card {
    border: 1px solid rgba(3,52,142,.13);
    cursor: pointer;
    text-align: left;
    font-family: inherit;
}

.bank-login-card:focus {
    outline: 2px solid rgba(3,52,142,.35);
    outline-offset: 3px;
}

/* MODAL */
.bank-redirect-modal {
    position: fixed;
    inset: 0;
    z-index: 99999;
    display: none;
    align-items: center;
    justify-content: center;
}

.bank-redirect-modal.is-open {
    display: flex;
}

.bank-redirect-backdrop {
    position: absolute;
    inset: 0;
    background: rgba(4, 16, 40, .72);
    backdrop-filter: blur(8px);
}

.bank-redirect-box {
    position: relative;
    z-index: 2;
    width: min(760px, calc(100% - 36px));
    padding: 44px 44px 34px;
    background: rgba(255,255,255,.96);
    border-radius: 18px;
    box-shadow: 0 34px 90px rgba(0,0,0,.35);
    text-align: center;
    animation: bankModalIn .25s ease both;
}

@keyframes bankModalIn {
    from {
        opacity: 0;
        transform: translateY(14px) scale(.98);
    }
    to {
        opacity: 1;
        transform: translateY(0) scale(1);
    }
}

.bank-redirect-close {
    position: absolute;
    top: 14px;
    right: 14px;
    width: 38px;
    height: 38px;
    padding: 0;
    border-radius: 10px;
    background: #fff;
    color: #3c4252;
    border: 1px solid rgba(3,52,142,.14);
    font-size: 26px;
    line-height: 1;
}

#bankRedirectLogo {
    max-width: 210px;
    max-height: 86px;
    object-fit: contain;
    margin: 0 auto 18px;
    display: block;
}

.bank-redirect-box h3 {
    font-family: 'Graphik', Arial, sans-serif;
    font-size: 20px;
    font-weight: 600;
    color: #151a24;
    margin-bottom: 10px;
}

.bank-redirect-box p {
    color: #5b6678;
    font-size: 15px;
    margin-bottom: 18px;
}

.bank-progress {
    width: min(520px, 100%);
    height: 10px;
    margin: 18px auto 12px;
    background: rgba(3,52,142,.12);
    border-radius: 999px;
    overflow: hidden;
}

.bank-progress span {
    display: block;
    width: 0;
    height: 100%;
    background: linear-gradient(90deg, #03348e, #1d57b3);
    border-radius: inherit;
}

.bank-redirect-modal.is-open .bank-progress span {
    animation: bankProgress 3s linear forwards;
}

@keyframes bankProgress {
    from { width: 0; }
    to { width: 100%; }
}

.bank-countdown {
    font-size: 14px !important;
    color: #6c7484 !important;
    padding-bottom: 16px;
    border-bottom: 1px solid rgba(3,52,142,.12);
}

.bank-secure-line {
    margin-top: 16px;
    color: #6c7484;
    font-size: 14px;
}

.bank-secure-line span {
    color: #009688;
    margin-right: 8px;
    font-weight: 600;
}

@media (max-width: 640px) {
    .bank-redirect-box {
        padding: 38px 22px 28px;
    }

    #bankRedirectLogo {
        max-width: 170px;
    }
}
/* BANK CARD HOVER — umesto tamno plave */
.bank-login-card:hover {
    background: rgba(3, 52, 142, .08);
    border-color: rgba(3, 52, 142, .24);
    box-shadow: 0 24px 60px rgba(10,26,80,.12);
    transform: translateY(-6px);
}

.bank-login-card:hover h3 {
    color: #03348e;
}

.bank-login-card:hover p {
    color: #3c4252;
}

.bank-login-card:hover img {
    opacity: 1;
}
.bank-progress {
    width: min(560px, 100%);
    height: 30px; /* 3x deblje */
    margin: 24px auto 16px;
    background: rgba(3,52,142,.12);
    border-radius: 999px;
    overflow: hidden;
    position: relative;
    box-shadow: inset 0 2px 8px rgba(10,26,80,.12);
}

.bank-progress span {
    position: relative;
    display: block;
    width: 0;
    height: 100%;
    border-radius: inherit;
    overflow: hidden;
    background:
        linear-gradient(90deg, #03348e, #1d57b3);
}

/* water shine */
.bank-progress span::before {
    content: '';
    position: absolute;
    inset: 0;
    background:
        linear-gradient(
            120deg,
            transparent 0%,
            rgba(255,255,255,.35) 35%,
            transparent 70%
        );
    transform: translateX(-100%);
    animation: waterShine 1.15s linear infinite;
}

/* wave layer */
.bank-progress span::after {
    content: '';
    position: absolute;
    left: -40px;
    right: -40px;
    top: -18px;
    height: 34px;
    background: rgba(255,255,255,.22);
    border-radius: 45%;
    animation: waterWave 1.4s ease-in-out infinite;
}

.bank-redirect-modal.is-open .bank-progress span {
    animation: bankProgress 3s linear forwards;
}

@keyframes bankProgress {
    from { width: 0; }
    to { width: 100%; }
}

@keyframes waterShine {
    from { transform: translateX(-100%); }
    to { transform: translateX(100%); }
}

@keyframes waterWave {
    0% { transform: translateX(0) translateY(0) rotate(0deg); }
    50% { transform: translateX(22px) translateY(5px) rotate(3deg); }
    100% { transform: translateX(0) translateY(0) rotate(0deg); }
}
.login-trust-banner {
    position: relative;
    padding: 120px 0;
    overflow: hidden;
}

.login-trust-bg {
    position: absolute;
    inset: 0;
    background-size: cover;
    background-position: center;
    transform: scale(1.06);
}

/* tamni overlay */
.login-trust-overlay {
    position: absolute;
    inset: 0;
    background: linear-gradient(
        120deg,
        rgba(2,36,95,.96),
        rgba(3,52,142,.88)
    );
}

.login-trust-inner {
    position: relative;
    z-index: 2;
}

.login-trust-content {
    max-width: 640px;
    color: #fff;
}

/* naslov */
.login-trust-content h2 {
    color: #fff;
    font-size: clamp(36px, 4vw, 56px);
    margin-bottom: 16px;
    text-shadow: 0 2px 10px rgba(0,0,0,.35);
}

/* tekst */
.login-trust-content .lead {
    font-size: 17px;
    line-height: 1.8;
    margin-bottom: 28px;
    color: rgba(255,255,255,.9);
}

/* mali kicker */
.login-trust-banner .section-mini {
    color: rgba(255,255,255,.8);
}

/* MOBILE */
@media (max-width: 768px) {
    .login-trust-banner {
        padding: 80px 0;
    }
}
.home-process-section h2 {
    font-size: clamp(34px, 4vw, 54px);
    line-height: 1.2;
    color: #0a1a50;
}

.home-process-section h3 {
    font-size: 24px;
    line-height: 1.3;
    color: #0a1a50;
}
.home-advisory-flow {
    padding: 95px 0;
    background: #eef3f9;
    border-top: 8px solid var(--blue);
}

.home-flow-head {
    max-width: 860px;
    margin: 0 auto 58px;
    text-align: center;
}

.home-flow-head h2 {
    font-family: 'FreightTextPro', Georgia, serif !important;
    font-size: clamp(38px, 4vw, 58px);
    line-height: 1.12;
    font-weight: 300 !important;
    letter-spacing: -0.7px;
    color: var(--heading);
    margin: 0 0 18px;
}

.home-flow-head p {
    max-width: 760px;
    margin: 0 auto;
    font-family: 'Graphik', Arial, sans-serif;
    font-size: 17px;
    line-height: 1.75;
    font-weight: 300;
    color: var(--body);
}

.home-flow-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 0;
    max-width: 1120px;
    margin: 0 auto;
}

.home-flow-card {
    position: relative;
    padding: 42px 56px;
}

.home-flow-card + .home-flow-card {
    border-left: 1px solid rgba(10,26,80,.22);
}

.home-flow-card span {
    display: block;
    margin-bottom: 18px;
    font-family: 'FreightTextPro', Georgia, serif;
    font-size: 72px;
    line-height: .85;
    font-weight: 300;
    color: rgba(3,52,142,.12);
}

.home-flow-card h3 {
    font-family: 'FreightTextPro', Georgia, serif !important;
    font-size: 32px;
    line-height: 1.18;
    font-weight: 300 !important;
    color: var(--heading);
    margin: 0 0 20px;
}

.home-flow-card p {
    font-family: 'Graphik', Arial, sans-serif;
    font-size: 15.5px;
    line-height: 1.8;
    font-weight: 300;
    color: var(--body);
    margin: 0 0 16px;
}

.home-flow-card .btn-primary {
    margin-top: 14px;
}

@media (max-width: 900px) {
    .home-flow-grid {
        grid-template-columns: 1fr;
        gap: 30px;
    }

    .home-flow-card {
        padding: 34px 0;
    }

    .home-flow-card + .home-flow-card {
        border-left: 0;
        border-top: 1px solid rgba(10,26,80,.18);
    }
}
.compliance-intro {
    background: #f8fbff;
}

.compliance-intro-inner {
    display: grid;
    grid-template-columns: 1.15fr .85fr;
    gap: 60px;
    align-items: center;
}

.compliance-intro-left h2 {
    font-size: clamp(34px, 4vw, 54px);
    margin-bottom: 18px;
}

.compliance-intro-left .lead {
    font-size: 17px;
    line-height: 1.75;
    color: var(--body);
    margin-bottom: 18px;
}

.compliance-intro-left p {
    font-size: 15.5px;
    line-height: 1.75;
    color: var(--body);
    margin-bottom: 16px;
}

.compliance-intro-left .note {
    color: #6c7484;
    font-size: 14px;
}

.compliance-box {
    padding: 38px 34px;
    background: #fff;
    border: 1px solid rgba(3,52,142,.15);
    border-radius: 18px;
    box-shadow: 0 18px 44px rgba(10,26,80,.08);
}

.compliance-box h3 {
    font-size: 28px;
    margin-bottom: 22px;
}

@media (max-width: 900px) {
    .compliance-intro-inner {
        grid-template-columns: 1fr;
    }
}
.compliance-faq-section {
    background: #fff;
}

.faq-search-wrap {
    max-width: 920px;
    margin: 0 auto 34px;
}

.faq-search-input {
    width: 100%;
    height: 62px;
    padding: 0 22px;
    border: 1px solid rgba(3,52,142,.18);
    border-radius: 14px;
    background: #f8fbff;
    color: var(--heading);
    font-family: 'Graphik', Arial, sans-serif;
    font-size: 16px;
    outline: none;
    box-shadow: 0 14px 34px rgba(10,26,80,.06);
}

.faq-search-input:focus {
    border-color: rgba(3,52,142,.42);
    background: #fff;
}
.faq-answer mark,
.faq-question mark {
    background: rgba(255,187,0,.35);
    color: inherit;
    padding: 0 3px;
    border-radius: 4px;
}
.mini-cta-dark {
    padding: 55px 0;
    background: linear-gradient(
        120deg,
        #02245f,
        #03348e
    );
    border-top: 1px solid rgba(255,255,255,.08);
}

.mini-cta-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 30px;
}

/* TEXT */
.mini-cta-text h3 {
    font-family: 'FreightTextPro', serif;
    font-size: 28px;
    font-weight: 300;
    color: #fff;
    margin-bottom: 8px;
}

.mini-cta-text p {
    font-size: 15px;
    color: rgba(255,255,255,.8);
}

/* BUTTON */
.btn-orange {
    display: inline-block;
    padding: 14px 26px;
    background: #ff9800;
    color: #fff;
    font-weight: 500;
    border-radius: 6px;
    transition: all .25s ease;
}

.btn-orange:hover {
    background: #e68900;
    transform: translateY(-2px);
}

/* MOBILE */
@media (max-width: 768px) {
    .mini-cta-inner {
        flex-direction: column;
        text-align: center;
    }
}
/* LEGAL HERO */
.legal-hero {
    position: relative;
    height: 150px;
    display: flex;
    align-items: center;
    overflow: hidden;

    background: linear-gradient(
        120deg,
        #02245f,
        #03348e
    );
}

/* apstraktne linije */
.legal-hero::before {
    content: '';
    position: absolute;
    inset: 0;

    background:
        linear-gradient(90deg, rgba(255,255,255,.04) 1px, transparent 1px),
        linear-gradient(rgba(255,255,255,.04) 1px, transparent 1px);

    background-size: 60px 60px;
    opacity: .4;
}

/* dodatni glow layer */
.legal-hero::after {
    content: '';
    position: absolute;
    inset: 0;

    background: radial-gradient(
        circle at 20% 40%,
        rgba(255,255,255,.08),
        transparent 60%
    );
}

/* sadržaj */
.legal-hero-inner {
    position: relative;
    z-index: 2;
    max-width: 720px;
}

/* tekst */
.legal-hero h1 {
    font-family: 'FreightTextPro', serif;
    font-size: clamp(28px, 3vw, 40px);
    font-weight: 300;
    color: #fff;
    margin-bottom: 10px;
}

.legal-hero p {
    font-size: 15px;
    color: rgba(255,255,255,.85);
}

/* mobile */
@media (max-width: 768px) {
    .legal-hero {
        height: 220px;
    }
}
.legal-hero-inner {
    max-width: 640px;
}

.legal-hero h1 {
    font-size: clamp(22px, 2.5vw, 30px);
    margin-bottom: 6px;
}

.legal-hero p {
    font-size: 13.5px;
    opacity: .85;
}
@media (max-width: 768px) {
    .legal-hero {
        height: 130px;
    }
}
/* LAYOUT */
.legal-layout-inner {
    display: grid;
    grid-template-columns: 280px 1fr;
    gap: 60px;
}

/* SIDEBAR */

/* PIANO STYLE */
.legal-nav h4 {
    font-size: 12px;
    text-transform: uppercase;
    margin: 20px 0 10px;
    color: #6c7484;
}

.legal-nav a {
    display: block;
    padding: 12px 16px;
    border-bottom: 1px solid rgba(10,26,80,.08);
    color: #0a1a50;
    text-decoration: none;
    transition: all .25s ease;
}

/* piano hover */
.legal-nav a:hover {
    background: rgba(3,52,142,.06);
    transform: translateX(6px);
}

/* ACTIVE (optional) */
.legal-nav a.active {
    background: rgba(3,52,142,.1);
    font-weight: 500;
}

/* CONTENT */
.legal-content h2 {
    font-family: 'FreightTextPro', serif;
    font-size: 38px;
    font-weight: 300;
    margin-bottom: 24px;
}

.legal-card {
    padding: 26px;
    border: 1px solid rgba(3,52,142,.15);
    border-radius: 12px;
    margin-bottom: 26px;
    background: #fff;
}

.legal-card p {
    margin-bottom: 8px;
}

.legal-text p {
    margin-bottom: 16px;
    line-height: 1.75;
    color: #3c4252;
}

.legal-text .note {
    color: #6c7484;
    font-size: 14px;
}

/* CTA */
.legal-sidebar {
    position: relative;
}

.legal-nav {
    position: sticky;
    top: 120px;
    padding: 20px 0;
}

.legal-side-cta {
    position: sticky;
    top: 520px;

    margin-top: 26px;
    padding: 24px 22px;
    background: linear-gradient(135deg, #02245f, #03348e);
    border-radius: 16px;
    box-shadow: 0 18px 44px rgba(10,26,80,.16);
}

.legal-side-cta h3 {
    color: #fff;
    font-family: 'FreightTextPro', Georgia, serif;
    font-size: 24px;
    font-weight: 300;
    line-height: 1.2;
    margin-bottom: 10px;
}

.legal-side-cta p {
    color: rgba(255,255,255,.82);
    font-size: 13.5px;
    line-height: 1.65;
    margin-bottom: 18px;
}

.legal-side-cta .btn-orange {
    width: 100%;
    text-align: center;
    padding: 12px 16px;
}

@media (max-width: 900px) {
    .legal-nav,
    .legal-side-cta {
        position: relative;
        top: 0;
    }
}
.legal-content {
    padding-top: 50px;
}

.legal-content h2 {
    margin-top: 10px;
    margin-bottom: 28px;
}
.legal-sidebar {
    position: relative;
}

.legal-sticky-box {
    position: sticky;
    top: 120px;
}

.legal-nav {
    padding: 20px 0;
}

.legal-side-cta {
    margin-top: 26px;
    padding: 24px 22px;
    background: linear-gradient(135deg, #02245f, #03348e);
    border-radius: 16px;
    box-shadow: 0 18px 44px rgba(10,26,80,.16);
}

@media (max-width: 900px) {
    .legal-sticky-box {
        position: relative;
        top: 0;
    }
}
.legal-extra {
    margin-top: 40px;
}

.legal-extra h3 {
    font-family: 'FreightTextPro', serif;
    font-size: 30px;
    font-weight: 300;
    margin-bottom: 16px;
}

.legal-extra .lead {
    font-size: 16.5px;
    line-height: 1.75;
    margin-bottom: 18px;
    color: #3c4252;
}

.legal-extra p {
    font-size: 15px;
    line-height: 1.7;
    margin-bottom: 16px;
    color: #3c4252;
}

/* columns */
.legal-columns {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 40px;
    margin: 24px 0;
}

.legal-col h4 {
    font-size: 14px;
    text-transform: uppercase;
    margin-bottom: 10px;
    color: #6c7484;
}

.legal-col ul {
    padding-left: 18px;
}

.legal-col li {
    font-size: 14px;
    margin-bottom: 6px;
}

.legal-extra .note {
    font-size: 13.5px;
    color: #6c7484;
}

/* mobile */
@media (max-width: 768px) {
    .legal-columns {
        grid-template-columns: 1fr;
    }
}
.legal-text h3 {
    font-family: 'FreightTextPro', Georgia, serif;
    font-size: 28px;
    font-weight: 300;
    color: var(--heading);
    margin: 34px 0 12px;
}

.legal-text ul {
    padding-left: 20px;
    margin: 0 0 22px;
}

.legal-text li {
    margin-bottom: 8px;
    line-height: 1.7;
    color: #3c4252;
}
.cookie-banner {
    position: fixed;
    bottom: 20px;
    left: 50%;
    transform: translateX(-50%);
    z-index: 9999;

    width: calc(100% - 40px);
    max-width: 1100px;

    background: rgba(2,36,95,0.92);
    backdrop-filter: blur(10px);

    border-radius: 14px;
    box-shadow: 0 20px 60px rgba(0,0,0,.25);

    padding: 18px 22px;
}

.cookie-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 20px;
}

/* TEXT */
.cookie-text p {
    color: #fff;
    font-size: 14px;
    line-height: 1.6;
}

.cookie-text a {
    color: #ffbb00;
    text-decoration: none;
    margin-left: 6px;
}

/* BUTTONS */
.btn-accept {
    background: #ffbb00;
    color: #02245f;
    border: none;
    padding: 10px 18px;
    border-radius: 6px;
    font-weight: 500;
    cursor: pointer;
}

.btn-outline {
    background: transparent;
    color: #fff;
    border: 1px solid rgba(255,255,255,.3);
    padding: 10px 18px;
    border-radius: 6px;
    cursor: pointer;
}

/* HOVER */
.btn-accept:hover {
    background: #e6a800;
}

.btn-outline:hover {
    border-color: #fff;
}

/* MOBILE */
@media (max-width: 768px) {
    .cookie-inner {
        flex-direction: column;
        align-items: flex-start;
    }

    .cookie-actions {
        width: 100%;
        display: flex;
        gap: 10px;
    }

    .cookie-actions button {
        flex: 1;
    }
}
.cookie-banner {
    position: fixed;
    bottom: 20px;
    left: 50%;
    z-index: 9999;

    width: calc(100% - 40px);
    max-width: 1100px;

    background: rgba(2,36,95,.88);
    backdrop-filter: blur(14px);
    -webkit-backdrop-filter: blur(14px);

    border: 1px solid rgba(255,255,255,.14);
    border-radius: 14px;
    box-shadow: 0 24px 70px rgba(0,0,0,.28);

    padding: 18px 22px;

    opacity: 0;
    transform: translateX(-50%) translateY(22px) scale(.98);
    pointer-events: none;

    transition:
        opacity .45s ease,
        transform .45s ease,
        filter .45s ease;
}

.cookie-banner.is-visible {
    opacity: 1;
    transform: translateX(-50%) translateY(0) scale(1);
    pointer-events: auto;
}

.cookie-banner.is-hiding {
    opacity: 0;
    transform: translateX(-50%) translateY(18px) scale(.98);
    filter: blur(8px);
}

.cookie-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 20px;
}

.cookie-text p {
    color: #fff;
    font-size: 14px;
    line-height: 1.6;
    margin: 0;
}

.cookie-text a {
    color: #ffbb00;
    margin-left: 6px;
}

.cookie-actions {
    display: flex;
    gap: 10px;
    flex-shrink: 0;
}

.btn-accept,
.btn-outline {
    transition: transform .25s ease, background .25s ease, border-color .25s ease;
}

.btn-accept:hover,
.btn-outline:hover {
    transform: translateY(-1px);
}
.cookie-modal {
    position: fixed;
    inset: 0;
    z-index: 99999;
    display: none;
    align-items: center;
    justify-content: center;
}

.cookie-modal.is-visible {
    display: flex;
}

.cookie-backdrop {
    position: absolute;
    inset: 0;
    background: rgba(4, 14, 35, .68);
    backdrop-filter: blur(7px);
    -webkit-backdrop-filter: blur(7px);
}

.cookie-panel {
    position: relative;
    z-index: 2;
    width: min(1120px, calc(100% - 40px));
    background: rgba(255,255,255,.98);
    border-radius: 14px;
    box-shadow: 0 35px 90px rgba(0,0,0,.32);
    overflow: hidden;
    animation: cookiePanelIn .35s ease both;
}

@keyframes cookiePanelIn {
    from {
        opacity: 0;
        transform: translateY(18px) scale(.98);
    }
    to {
        opacity: 1;
        transform: translateY(0) scale(1);
    }
}

.cookie-panel-top {
    height: 92px;
    padding: 24px 30px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    border-bottom: 1px solid rgba(10,26,80,.14);
}

.cookie-logo {
    max-width: 190px;
    max-height: 50px;
    object-fit: contain;
}

.cookie-lang {
    display: flex;
    gap: 8px;
}

.cookie-lang a {
    font-size: 13px;
    color: var(--blue);
    border: 1px solid rgba(3,52,142,.16);
    padding: 6px 9px;
    border-radius: 6px;
    background: rgba(3,52,142,.04);
}

.cookie-tabs {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    border-bottom: 1px solid rgba(10,26,80,.14);
}

.cookie-tabs button {
    height: 68px;
    background: #fff;
    border: 0;
    border-right: 1px solid rgba(10,26,80,.10);
    color: #151a24;
    font-family: 'Graphik', Arial, sans-serif;
    font-size: 18px;
    font-weight: 500;
    cursor: pointer;
    position: relative;
}

.cookie-tabs button:last-child {
    border-right: 0;
}

.cookie-tabs button.active {
    color: var(--blue);
}

.cookie-tabs button.active::after {
    content: '';
    position: absolute;
    left: 0;
    right: 0;
    bottom: -1px;
    height: 4px;
    background: var(--blue);
}

.cookie-content {
    padding: 34px 34px 38px;
    border-bottom: 1px solid rgba(10,26,80,.14);
}

.cookie-tab-content {
    display: none;
}

.cookie-tab-content.active {
    display: block;
}

.cookie-content h3 {
    font-family: 'Graphik', Arial, sans-serif;
    font-size: 20px;
    font-weight: 600;
    color: #151a24;
    margin-bottom: 14px;
}

.cookie-content p {
    max-width: 980px;
    font-size: 18px;
    line-height: 1.65;
    color: #151a24;
}

.cookie-gpc {
    padding: 16px 34px;
    border-bottom: 1px solid rgba(10,26,80,.14);
    font-size: 16px;
    color: #151a24;
}

.cookie-gpc span {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    margin-right: 12px;
    width: 20px;
    height: 20px;
    border-radius: 50%;
    background: #111;
    color: #fff;
    font-size: 13px;
}

.cookie-options {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    border-bottom: 1px solid rgba(10,26,80,.14);
}

.cookie-option {
    min-height: 130px;
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    gap: 18px;
    border-right: 1px solid rgba(10,26,80,.14);
}

.cookie-option:last-child {
    border-right: 0;
}

.cookie-option strong {
    font-size: 16px;
    color: #151a24;
}

/* Switch */
.cookie-switch input {
    display: none;
}

.cookie-switch span {
    width: 68px;
    height: 36px;
    display: block;
    background: #111;
    border-radius: 999px;
    position: relative;
    cursor: pointer;
    transition: background .25s ease;
}

.cookie-switch span::after {
    content: '';
    position: absolute;
    width: 28px;
    height: 28px;
    left: 4px;
    top: 4px;
    background: #fff;
    border-radius: 50%;
    transition: transform .25s ease;
}

.cookie-switch input:checked + span {
    background: var(--blue);
}

.cookie-switch input:checked + span::after {
    transform: translateX(32px);
}

.cookie-buttons {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 12px;
    padding: 20px 28px 26px;
}

.cookie-btn {
    height: 58px;
    border-radius: 6px;
    font-family: 'Graphik', Arial, sans-serif;
    font-size: 16px;
    font-weight: 500;
    cursor: pointer;
}

.cookie-btn.outline {
    background: #fff;
    color: var(--blue);
    border: 2px solid var(--blue);
}

.cookie-btn.primary {
    background: var(--blue);
    color: #fff;
    border: 2px solid var(--blue);
}

.cookie-btn:hover {
    transform: translateY(-1px);
}

@media (max-width: 768px) {
    .cookie-panel {
        width: calc(100% - 24px);
        max-height: calc(100vh - 30px);
        overflow-y: auto;
    }

    .cookie-panel-top {
        height: auto;
        gap: 16px;
        flex-direction: column;
        align-items: flex-start;
    }

    .cookie-tabs button {
        font-size: 14px;
        height: 56px;
    }

    .cookie-content p {
        font-size: 15px;
    }

    .cookie-options {
        grid-template-columns: 1fr 1fr;
    }

    .cookie-buttons {
        grid-template-columns: 1fr;
    }
}
/* HOME BANK ACCESS — isolated section */
.home-bank-access {
    background: #fff;
}

.home-bank-access-grid {
    display: grid;
    grid-template-columns: 0.95fr 1.15fr;
    gap: 70px;
    align-items: stretch;
}

/* LEFT */
.home-bank-access-copy {
    display: flex;
    flex-direction: column;
    justify-content: center;
    min-height: 520px;
}

.home-bank-access-copy h2 {
    font-family: 'FreightTextPro', Georgia, serif;
    font-size: clamp(38px, 4vw, 58px);
    line-height: 1.12;
    font-weight: 300;
    color: var(--heading);
    margin: 14px 0 24px;
}

.home-bank-access-lead {
    max-width: 560px;
    font-size: 17px;
    line-height: 1.8;
    color: var(--body);
    margin-bottom: 26px;
}

/* CHECK LIST — isolated */
.home-bank-access-list {
    list-style: none;
    padding: 0;
    margin: 0 0 30px;
}

.home-bank-access-list li {
    position: relative;
    padding-left: 46px;
    margin-bottom: 18px;
    font-size: 15.5px;
    line-height: 1.65;
    color: var(--body);
}

.home-bank-access-list li::before {
    content: '✓';
    position: absolute;
    left: 0;
    top: 2px;

    width: 28px;
    height: 28px;
    border-radius: 50%;

    display: flex;
    align-items: center;
    justify-content: center;

    background: #009688;
    color: #fff;

    font-size: 15px;
    font-weight: 500;
    line-height: 1;

    box-shadow: 0 8px 20px rgba(0,150,136,.22);
}

.home-bank-access-copy .btn-primary {
    align-self: flex-start;
    margin-top: 2px;
}

.home-bank-access-note {
    max-width: 560px;
    margin-top: 22px;
    font-size: 13.5px;
    line-height: 1.7;
    color: #7b8494;
}

/* RIGHT IMAGE — full height */
.home-bank-access-image {
    min-height: 520px;
    border-radius: 12px;
    overflow: hidden;
    background: #eef5fb;
}

.home-bank-access-image img {
    width: 100%;
    height: 100%;
    display: block;
    object-fit: cover;
}

/* MOBILE */
@media (max-width: 950px) {
    .home-bank-access-grid {
        grid-template-columns: 1fr;
        gap: 34px;
    }

    .home-bank-access-copy {
        min-height: auto;
    }

    .home-bank-access-image {
        min-height: 360px;
    }
}