/* 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, 0.8);
    color: white;
    padding: 8px 0;
    font-size: 13px;
}

.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;
}

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

.top-link i {
    margin-left: 5px;
    font-size: 11px;
}

.online-banking-btn {
    background: #f4d03f;
    color: #333;
    padding: 8px 20px;
    text-decoration: none;
    border-radius: 4px;
    font-weight: 600;
    transition: all 0.3s;
}

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

/* Main Header */
.main-header {
    position: relative;
    background: linear-gradient(rgba(0,0,0,0.3), rgba(0,0,0,0.3)), url('/images/hero-bg.jpg');
    background-size: cover;
    background-position: center;
    background-attachment: fixed;
    padding: 20px 0;
}

.header-bg {
    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));
}

.header-content {
    position: relative;
    z-index: 2;
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.logo img {
    height: 80px;
    width: auto;
}

.main-navigation .nav-menu {
    display: flex;
    list-style: none;
    gap: 35px;
    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;
}

.main-navigation .nav-menu li a::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 0;
    height: 2px;
    background: #f4d03f;
    transition: width 0.3s;
}

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

.search-icon {
    background: rgba(255,255,255,0.1);
    padding: 10px;
    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 Section */
.hero-section {
    position: relative;
    background: linear-gradient(rgba(0,0,0,0.4), rgba(0,0,0,0.6)), url('/images/hero-bg.jpg');
    background-size: cover;
    background-position: center;
    background-attachment: fixed;
    padding: 120px 0;
    color: white;
    text-align: center;
}

.hero-bg {
    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));
}

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

.hero-text h1 {
    font-size: 3.5rem;
    margin-bottom: 25px;
    font-weight: 700;
    text-shadow: 2px 2px 4px rgba(0,0,0,0.5);
}

.hero-text p {
    font-size: 1.3rem;
    margin-bottom: 40px;
    max-width: 600px;
    margin-left: auto;
    margin-right: auto;
    text-shadow: 1px 1px 2px rgba(0,0,0,0.5);
}

.hero-buttons {
    display: flex;
    gap: 20px;
    justify-content: center;
}

.btn {
    padding: 15px 35px;
    text-decoration: none;
    border-radius: 5px;
    font-weight: 600;
    font-size: 16px;
    transition: all 0.3s;
    display: inline-block;
    border: none;
    cursor: pointer;
}

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

.btn-secondary {
    background: transparent;
    color: white;
    border: 2px solid white;
}

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

.btn-primary:hover {
    background: #f1c40f;
}

.btn-secondary:hover {
    background: white;
    color: #333;
}

/* Page Header */
.page-header {
    background: linear-gradient(rgba(0,0,0,0.4), rgba(0,0,0,0.6)), url('/images/hero-bg.jpg');
    background-size: cover;
    background-position: center;
    color: white;
    padding: 80px 0;
    text-align: center;
}

.page-header h1 {
    font-size: 3rem;
    margin-bottom: 15px;
    font-weight: 700;
    text-shadow: 2px 2px 4px rgba(0,0,0,0.5);
}

.page-header p {
    font-size: 1.2rem;
    text-shadow: 1px 1px 2px rgba(0,0,0,0.5);
}

/* Quick Actions */
.quick-actions {
    padding: 80px 0;
    background: #f8f9fa;
}

.actions-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 30px;
}

.action-card {
    background: white;
    padding: 40px 30px;
    border-radius: 10px;
    text-align: center;
    box-shadow: 0 5px 20px rgba(0,0,0,0.1);
    transition: all 0.3s;
    border-top: 4px solid #f4d03f;
}

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

.action-icon {
    width: 80px;
    height: 80px;
    background: linear-gradient(135deg, #2c5aa0, #1e4a8c);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 25px;
    color: white;
    font-size: 2rem;
}

.action-card h3 {
    margin-bottom: 15px;
    color: #2c5aa0;
    font-size: 1.2rem;
    font-weight: 700;
}

.action-card p {
    color: #666;
    margin-bottom: 25px;
    line-height: 1.6;
}

.action-link {
    color: #f4d03f;
    text-decoration: none;
    font-weight: 600;
    transition: color 0.3s;
}

.action-link:hover {
    color: #f1c40f;
}

.action-link i {
    margin-left: 8px;
    transition: transform 0.3s;
}

.action-link:hover i {
    transform: translateX(5px);
}

/* Content Sections */
.content-section {
    padding: 80px 0;
}

.content-section:nth-child(even) {
    background: #f8f9fa;
}

.section-header {
    text-align: center;
    margin-bottom: 60px;
}

.section-header h2 {
    font-size: 2.5rem;
    margin-bottom: 15px;
    color: #2c5aa0;
    font-weight: 700;
}

.section-header p {
    font-size: 1.2rem;
    color: #666;
}

/* Services Grid */
.services-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(350px, 1fr));
    gap: 40px;
}

.service-item {
    background: white;
    border-radius: 15px;
    overflow: hidden;
    box-shadow: 0 10px 30px rgba(0,0,0,0.1);
    transition: all 0.3s;
}

.service-item:hover {
    transform: translateY(-10px);
    box-shadow: 0 20px 40px rgba(0,0,0,0.15);
}

.service-image img {
    width: 100%;
    height: 220px;
    object-fit: cover;
}

.service-content {
    padding: 30px;
}

.service-content h3 {
    font-size: 1.5rem;
    margin-bottom: 15px;
    color: #2c5aa0;
    font-weight: 700;
}

.service-content p {
    color: #666;
    margin-bottom: 20px;
    line-height: 1.6;
}

.feature-list {
    list-style: none;
    margin-bottom: 25px;
}

.feature-list li {
    padding: 8px 0;
    position: relative;
    padding-left: 25px;
    color: #555;
}

.feature-list li::before {
    content: '?';
    position: absolute;
    left: 0;
    color: #f4d03f;
    font-weight: bold;
}

.rate-display {
    background: #e8f4fd;
    color: #2c5aa0;
    padding: 10px 15px;
    border-radius: 8px;
    text-align: center;
    font-weight: bold;
    font-size: 1.1rem;
    margin-bottom: 20px;
    border-left: 4px solid #f4d03f;
}

.service-btn {
    background: #f4d03f;
    color: #333;
    padding: 12px 25px;
    text-decoration: none;
    border-radius: 5px;
    font-weight: 600;
    transition: all 0.3s;
    display: inline-block;
}

.service-btn:hover {
    background: #f1c40f;
    transform: translateY(-2px);
}

/* Calculator Section */
.calculator-section {
    max-width: 600px;
    margin: 0 auto;
}

.calculator-card {
    background: white;
    padding: 40px;
    border-radius: 15px;
    box-shadow: 0 10px 30px rgba(0,0,0,0.1);
}

.form-group {
    margin-bottom: 25px;
}

.form-group label {
    display: block;
    margin-bottom: 8px;
    font-weight: 600;
    color: #333;
}

.form-group input {
    width: 100%;
    padding: 12px 15px;
    border: 2px solid #e5e7eb;
    border-radius: 8px;
    font-size: 1rem;
    transition: border-color 0.3s;
    font-family: inherit;
}

.form-group input:focus {
    outline: none;
    border-color: #2c5aa0;
}

.calculation-result {
    border-top: 2px solid #e5e7eb;
    padding-top: 25px;
    margin-top: 25px;
}

.result-item {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 15px;
}

.result-label {
    font-weight: 600;
    color: #333;
}

.result-value {
    font-size: 1.2rem;
    font-weight: bold;
    color: #2c5aa0;
}

/* News & Updates */
.news-updates {
    padding: 80px 0;
    background: #f8f9fa;
}

.news-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 30px;
}

.news-item {
    background: white;
    padding: 30px;
    border-radius: 10px;
    box-shadow: 0 5px 15px rgba(0,0,0,0.1);
    transition: all 0.3s;
    border-left: 4px solid #f4d03f;
}

.news-item:hover {
    transform: translateY(-5px);
    box-shadow: 0 10px 25px rgba(0,0,0,0.15);
}

.news-date {
    color: #f4d03f;
    font-weight: 600;
    font-size: 14px;
    margin-bottom: 10px;
}

.news-item h3 {
    margin-bottom: 15px;
    color: #2c5aa0;
    font-size: 1.3rem;
}

.news-item p {
    color: #666;
    margin-bottom: 20px;
    line-height: 1.6;
}

.news-link {
    color: #2c5aa0;
    text-decoration: none;
    font-weight: 600;
    transition: color 0.3s;
}

.news-link:hover {
    color: #1e4a8c;
}

/* Footer */
.main-footer {
    background: #2c5aa0;
    color: white;
    padding: 60px 0 20px;
}

.footer-content {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
    gap: 40px;
    margin-bottom: 40px;
}

.footer-section h4 {
    margin-bottom: 20px;
    color: #f4d03f;
    font-size: 1.1rem;
    font-weight: 700;
}

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

.footer-section ul li {
    margin-bottom: 10px;
}

.footer-section ul li a {
    color: #e8e8e8;
    text-decoration: none;
    transition: color 0.3s;
}

.footer-section ul li a:hover {
    color: #f4d03f;
}

.social-links {
    display: flex;
    gap: 15px;
    margin-bottom: 20px;
}

.social-links a {
    width: 40px;
    height: 40px;
    background: #f4d03f;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: #333;
    text-decoration: none;
    transition: all 0.3s;
}

.social-links a:hover {
    background: #f1c40f;
    transform: translateY(-2px);
}

.contact-info p {
    margin-bottom: 8px;
    color: #e8e8e8;
    font-size: 14px;
}

.footer-bottom {
    border-top: 1px solid #1e4a8c;
    padding-top: 20px;
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-size: 14px;
}

.footer-logos {
    display: flex;
    gap: 20px;
}

.footer-logos img {
    height: 40px;
    opacity: 0.8;
    transition: opacity 0.3s;
}

.footer-logos img:hover {
    opacity: 1;
}

/* 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: 2.5rem;
    }
    
    .hero-buttons {
        flex-direction: column;
        align-items: center;
    }
    
    .actions-grid,
    .services-grid,
    .news-grid {
        grid-template-columns: 1fr;
    }
    
    .footer-bottom {
        flex-direction: column;
        gap: 20px;
        text-align: center;
    }
}

@media (max-width: 480px) {
    .container {
        padding: 0 15px;
    }
    
    .hero-section {
        padding: 80px 0;
    }
    
    .hero-text h1 {
        font-size: 2rem;
    }
    
    .content-section,
    .quick-actions,
    .news-updates {
        padding: 50px 0;
    }
    
    .action-card,
    .service-content,
    .news-item,
    .calculator-card {
        padding: 25px 20px;
    }
}