/* Reset and Base Styles */
* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

body {
    font-family: 'Arial', sans-serif;
    line-height: 1.6;
    color: #333;
    background: #fff;
}

.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
}

/* Top Header Bar */
.top-header {
    background: rgba(0, 0, 0, 0.7);
    color: white;
    padding: 8px 0;
    font-size: 13px;
    position: relative;
    z-index: 1000;
}

.top-nav {
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.top-links {
    display: flex;
    gap: 25px;
}

.top-link {
    color: white;
    text-decoration: none;
    font-weight: 500;
    transition: color 0.3s;
    font-size: 12px;
}

.top-link:hover {
    color: #f4d03f;
}

.top-link i {
    margin-left: 5px;
    font-size: 10px;
}

.online-banking-btn {
    background: #f4d03f;
    color: #333;
    padding: 8px 16px;
    text-decoration: none;
    border-radius: 4px;
    font-weight: 600;
    font-size: 12px;
    transition: all 0.3s;
}

.online-banking-btn:hover {
    background: #f1c40f;
    transform: translateY(-1px);
}

/* Main Header */
.main-header {
    background: rgba(0, 0, 0, 0.6);
    padding: 15px 0;
    position: relative;
    z-index: 999;
}

.header-content {
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.logo img {
    height: 70px;
    width: auto;
}

.main-navigation .nav-menu {
    display: flex;
    list-style: none;
    gap: 30px;
    align-items: center;
}

.main-navigation .nav-menu li a {
    color: white;
    text-decoration: none;
    font-weight: 600;
    font-size: 14px;
    letter-spacing: 0.5px;
    transition: all 0.3s;
    padding: 10px 0;
    position: relative;
}

.main-navigation .nav-menu li a:hover,
.main-navigation .nav-menu li a.active {
    color: #f4d03f;
}

.search-icon {
    background: rgba(255,255,255,0.1);
    padding: 8px;
    border-radius: 50%;
    transition: all 0.3s;
}

.search-icon:hover {
    background: rgba(255,255,255,0.2);
}

.mobile-menu-toggle {
    display: none;
    flex-direction: column;
    cursor: pointer;
    gap: 4px;
}

.mobile-menu-toggle span {
    width: 25px;
    height: 3px;
    background: white;
    transition: 0.3s;
}

/* Hero Debit Card Section */
.hero-debit-section {
    position: relative;
    background: linear-gradient(rgba(0,0,0,0.3), rgba(0,0,0,0.4)), url('images/bgimage.jpeg');
    background-size: cover;
    background-position: center;
    padding: 120px 0;
    color: white;
    text-align: center;
    min-height: 500px;
    display: flex;
    align-items: center;
}

.hero-overlay {
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: linear-gradient(rgba(0,0,0,0.2), rgba(0,0,0,0.4));
}

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

.hero-text h1 {
    font-size: 2.8rem;
    margin-bottom: 10px;
    font-weight: 400;
    text-shadow: 2px 2px 4px rgba(0,0,0,0.7);
    letter-spacing: 1px;
}

.cash-back-text {
    font-size: 3.5rem;
    font-weight: 700;
    margin-bottom: 40px;
    text-shadow: 2px 2px 4px rgba(0,0,0,0.7);
    font-style: italic;
    letter-spacing: 2px;
}

.hero-cta-btn {
    background: #f4d03f;
    color: #333;
    padding: 15px 40px;
    text-decoration: none;
    border-radius: 5px;
    font-weight: 700;
    font-size: 16px;
    transition: all 0.3s;
    display: inline-block;
    text-transform: uppercase;
    letter-spacing: 1px;
}

.hero-cta-btn:hover {
    background: #f1c40f;
    transform: translateY(-2px);
    box-shadow: 0 5px 15px rgba(0,0,0,0.3);
}

/* Quick Actions Bar */
.quick-actions-bar {
    background: linear-gradient(135deg, #4a90e2, #357abd);
    padding: 30px 0;
}

.actions-row {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 0;
}

.action-item {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 20px;
    padding: 20px;
    color: white;
    cursor: pointer;
    transition: all 0.3s;
    border-right: 1px solid rgba(255,255,255,0.2);
}

.action-item:last-child {
    border-right: none;
}

.action-item:hover {
    background: rgba(255,255,255,0.1);
}

.action-icon {
    font-size: 2.5rem;
    opacity: 0.9;
}

.action-text h3 {
    font-size: 16px;
    font-weight: 600;
    letter-spacing: 0.5px;
    margin: 0;
}

.action-arrow {
    color: #f4d03f;
    font-size: 14px;
    margin-left: 10px;
    transition: transform 0.3s;
}

.action-item:hover .action-arrow {
    transform: translateX(5px);
}

/* Open Account Section */
.open-account-section {
    position: relative;
    background: linear-gradient(rgba(0,0,0,0.6), rgba(0,0,0,0.7)), url('/placeholder.svg?height=400&width=1200&text=Mountain+Background');
    background-size: cover;
    background-position: center;
    padding: 80px 0;
    color: white;
    text-align: center;
}

.account-overlay {
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: linear-gradient(rgba(30, 74, 140, 0.8), rgba(44, 90, 160, 0.8));
}

.account-content {
    position: relative;
    z-index: 2;
    max-width: 800px;
    margin: 0 auto;
}

.account-title {
    font-size: 3rem;
    font-weight: 700;
    margin-bottom: 30px;
    text-shadow: 2px 2px 4px rgba(0,0,0,0.5);
    font-style: italic;
    letter-spacing: 2px;
}

.account-description {
    font-size: 1.1rem;
    margin-bottom: 40px;
    line-height: 1.7;
    text-shadow: 1px 1px 2px rgba(0,0,0,0.5);
}

.account-cta-btn {
    background: #f4d03f;
    color: #333;
    padding: 15px 40px;
    text-decoration: none;
    border-radius: 5px;
    font-weight: 700;
    font-size: 16px;
    transition: all 0.3s;
    display: inline-block;
    text-transform: uppercase;
    letter-spacing: 1px;
}

.account-cta-btn:hover {
    background: #f1c40f;
    transform: translateY(-2px);
    box-shadow: 0 5px 15px rgba(0,0,0,0.3);
}

/* Loan Rates Section */
.loan-rates-section {
    padding: 80px 0;
    background: #f8f9fa;
}

.rates-title {
    font-size: 2.8rem;
    text-align: center;
    margin-bottom: 60px;
    color: #4a90e2;
    font-weight: 700;
    font-style: italic;
    letter-spacing: 2px;
}

.rates-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 40px;
    margin-bottom: 40px;
}

.rate-card {
    background: white;
    padding: 40px 30px;
    border-radius: 15px;
    text-align: center;
    box-shadow: 0 5px 20px rgba(0,0,0,0.1);
    transition: all 0.3s;
}

.rate-card:hover {
    transform: translateY(-10px);
    box-shadow: 0 15px 30px rgba(0,0,0,0.15);
}

.rate-image {
    margin-bottom: 25px;
}

.circular-image {
    width: 120px;
    height: 120px;
    border-radius: 50%;
    object-fit: cover;
}

.rate-card h3 {
    font-size: 1.1rem;
    color: #666;
    margin-bottom: 20px;
    font-weight: 500;
}

.rate-display {
    margin-bottom: 15px;
}

.rate-number {
    font-size: 3.5rem;
    font-weight: 700;
    color: #2c5aa0;
}

.rate-percent {
    font-size: 2rem;
    font-weight: 700;
    color: #2c5aa0;
}

.rate-apr {
    font-size: 1.2rem;
    color: #2c5aa0;
    font-weight: 600;
}

.rate-disclaimer {
    font-size: 0.9rem;
    color: #888;
    margin-bottom: 25px;
    font-style: italic;
}

.rate-learn-more {
    color: #f4d03f;
    text-decoration: none;
    font-weight: 700;
    font-size: 14px;
    letter-spacing: 0.5px;
    transition: all 0.3s;
}

.rate-learn-more:hover {
    color: #f1c40f;
}

.rate-learn-more i {
    margin-left: 8px;
    transition: transform 0.3s;
}

.rate-learn-more:hover i {
    transform: translateX(5px);
}

.rates-disclaimer {
    text-align: center;
    margin-bottom: 40px;
}

.rates-disclaimer p {
    font-size: 0.9rem;
    color: #666;
    font-style: italic;
}

.credit-score-section {
    text-align: center;
}

.credit-score-btn {
    background: #4a90e2;
    color: white;
    padding: 15px 40px;
    text-decoration: none;
    border-radius: 5px;
    font-weight: 600;
    font-size: 16px;
    transition: all 0.3s;
    display: inline-block;
}

.credit-score-btn:hover {
    background: #357abd;
    transform: translateY(-2px);
    box-shadow: 0 5px 15px rgba(0,0,0,0.2);
}

/* New Tradition Section */
.new-tradition-section {
    position: relative;
    background: linear-gradient(rgba(0,0,0,0.4), rgba(0,0,0,0.6)), url('images/bg-4.png?height=500&width=1200&text=Hiking+Background');
    background-size: cover;
    background-position: center;
    padding: 100px 0;
    color: white;
}

.tradition-overlay {
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: linear-gradient(rgba(0,0,0,0.3), rgba(0,0,0,0.5));
}

.tradition-content {
    position: relative;
    z-index: 2;
    max-width: 600px;
    margin-left: 0;
}

.tradition-title {
    font-size: 2.8rem;
    font-weight: 700;
    margin-bottom: 30px;
    text-shadow: 2px 2px 4px rgba(0,0,0,0.7);
    color: #4a90e2;
    font-style: italic;
    letter-spacing: 2px;
}

.tradition-description {
    font-size: 1.1rem;
    margin-bottom: 40px;
    line-height: 1.7;
    text-shadow: 1px 1px 2px rgba(0,0,0,0.5);
}

.tradition-buttons {
    display: flex;
    gap: 20px;
}

.tradition-btn {
    padding: 15px 30px;
    text-decoration: none;
    border-radius: 5px;
    font-weight: 600;
    font-size: 16px;
    transition: all 0.3s;
    display: inline-block;
}

.tradition-btn-primary {
    background: #2c5aa0;
    color: white;
}

.tradition-btn-secondary {
    background: #f4d03f;
    color: #333;
}

.tradition-btn:hover {
    transform: translateY(-2px);
    box-shadow: 0 5px 15px rgba(0,0,0,0.3);
}

.tradition-btn-primary:hover {
    background: #1e4a8c;
}

.tradition-btn-secondary:hover {
    background: #f1c40f;
}

/* Footer */
.main-footer {
    background: linear-gradient(135deg, #2c5aa0, #4a90e2);
    color: white;
    padding: 40px 0 20px;
}

.footer-content {
    display: flex;
    justify-content: space-between;
    align-items: flex-start;
    gap: 40px;
}

.footer-left {
    flex: 2;
}

.footer-info {
    margin-bottom: 30px;
}

.footer-info p {
    margin-bottom: 5px;
    font-size: 14px;
    opacity: 0.9;
}

.footer-links {
    display: flex;
    gap: 60px;
}

.footer-column ul {
    list-style: none;
}

.footer-column ul li {
    margin-bottom: 8px;
}

.footer-column ul li a {
    color: white;
    text-decoration: none;
    font-size: 14px;
    opacity: 0.9;
    transition: opacity 0.3s;
}

.footer-column ul li a:hover {
    opacity: 1;
    color: #f4d03f;
}

.footer-right {
    flex: 1;
    text-align: right;
}

.social-media {
    margin-bottom: 20px;
}

.social-link {
    display: inline-block;
    width: 35px;
    height: 35px;
    background: rgba(255,255,255,0.1);
    border-radius: 50%;
    text-align: center;
    line-height: 35px;
    color: white;
    text-decoration: none;
    margin-left: 10px;
    transition: all 0.3s;
}

.social-link:hover {
    background: #f4d03f;
    color: #333;
    transform: translateY(-2px);
}

.footer-badges {
    margin-bottom: 20px;
}

.footer-badge,
.app-badge {
    height: 40px;
    margin-left: 10px;
    opacity: 0.9;
    transition: opacity 0.3s;
}

.footer-badge:hover,
.app-badge:hover {
    opacity: 1;
}

.accessibility-link {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    color: white;
    text-decoration: none;
    font-size: 14px;
    transition: color 0.3s;
}

.accessibility-link:hover {
    color: #f4d03f;
}

/* Responsive Design */
@media (max-width: 768px) {
    .top-nav {
        flex-direction: column;
        gap: 15px;
    }
    
    .top-links {
        flex-wrap: wrap;
        justify-content: center;
        gap: 15px;
    }
    
    .header-content {
        flex-direction: column;
        gap: 20px;
    }
    
    .main-navigation .nav-menu {
        display: none;
        flex-direction: column;
        position: absolute;
        top: 100%;
        left: 0;
        width: 100%;
        background: rgba(0,0,0,0.9);
        padding: 20px;
        gap: 15px;
    }
    
    .main-navigation .nav-menu.active {
        display: flex;
    }
    
    .mobile-menu-toggle {
        display: flex;
    }
    
    .hero-text h1 {
        font-size: 2rem;
    }
    
    .cash-back-text {
        font-size: 2.5rem;
    }
    
    .account-title,
    .rates-title,
    .tradition-title {
        font-size: 2rem;
    }
    
    .actions-row {
        grid-template-columns: 1fr 1fr;
        gap: 10px;
    }
    
    .action-item {
        flex-direction: column;
        gap: 10px;
        padding: 15px;
    }
    
    .rates-grid {
        grid-template-columns: 1fr;
        gap: 30px;
    }
    
    .tradition-buttons {
        flex-direction: column;
        align-items: flex-start;
    }
    
    .footer-content {
        flex-direction: column;
        gap: 30px;
    }
    
    .footer-links {
        gap: 30px;
    }
    
    .footer-right {
        text-align: left;
    }
}

@media (max-width: 480px) {
    .container {
        padding: 0 15px;
    }
    
    .hero-debit-section,
    .open-account-section,
    .new-tradition-section {
        padding: 60px 0;
    }
    
    .loan-rates-section {
        padding: 50px 0;
    }
    
    .actions-row {
        grid-template-columns: 1fr;
    }
    
    .rate-card {
        padding: 30px 20px;
    }
    
    .footer-links {
        flex-direction: column;
        gap: 20px;
    }
}