:root {
      --maroon: #1A3A6B;
      --maroon-dark: #0F2347;
      --maroon-light: #2451A0;
      --gold: #C9961A;
      --gold-light: #E6B020;
      --bg-page: #F4F7FB;
      --bg-section: #EEF3FA;
      --surface: #FFFFFF;
      --surface-2: #E6EDF7;
      --ink: #0A1628;
      --gray-soft: #4F6080;
      --gray-border: #C8D6E8;
      --muted: #8499B8;
      --shadow-card: 0 4px 24px rgba(26, 58, 107, .08), 0 1px 4px rgba(0, 0, 0, .06);
      --shadow-hover: 0 12px 40px rgba(26, 58, 107, .18), 0 4px 12px rgba(0, 0, 0, .08);
      --radius: 12px;
      --font-display: 'Playfair Display', serif;
      --font-body: 'Montserrat', sans-serif;
    }

    /* ── DARK THEME ─────────────────────────────────────────── */
    [data-theme="dark"] {
      --bg-page: #060D1A;
      --bg-section: #0C1527;
      --surface: #111E33;
      --surface-2: #182844;
      --ink: #E8EFF8;
      --gray-soft: #7A9ABF;
      --gray-border: #1E3050;
      --muted: #4A6A90;
      --shadow-card: 0 4px 24px rgba(0, 0, 0, .4);
      --shadow-hover: 0 12px 40px rgba(26, 58, 107, .45), 0 4px 12px rgba(0, 0, 0, .3);
    }


    [data-theme="dark"] nav {
      background: var(--surface);
      border-color: var(--gray-border);
    }

    [data-theme="dark"] .hero {
      background: var(--bg-page);
    }

    [data-theme="dark"] .hero-float-1,
    [data-theme="dark"] .hero-float-2 {
      background: var(--surface);
      border-color: var(--gray-border);
    }

    [data-theme="dark"] .hero-float-1 .f-value {
      color: var(--gold-light);
    }

    [data-theme="dark"] .hero-float-2 .f-val {
      color: var(--ink);
    }

    [data-theme="dark"] h1.hero-title {
      color: var(--ink);
    }

    [data-theme="dark"] .section-title {
      color: var(--ink);
    }

    [data-theme="dark"] .nav-logo-name {
      color: var(--gold-light);
    }

    [data-theme="dark"] .service-card,
    [data-theme="dark"] .deposit-card:not(.featured),
    [data-theme="dark"] .director-card,
    [data-theme="dark"] .news-main,
    [data-theme="dark"] .news-item,
    [data-theme="dark"] .rates-table-wrap,
    [data-theme="dark"] .about-dicgc {
      background: var(--surface);
      border-color: var(--gray-border);
    }

    [data-theme="dark"] .service-card h3,
    [data-theme="dark"] .deposit-card:not(.featured) h3,
    [data-theme="dark"] .director-name,
    [data-theme="dark"] .news-main-body h3 {
      color: var(--ink);
    }

    [data-theme="dark"] th {
      background: var(--surface-2);
      color: var(--gray-soft);
      border-color: var(--gray-border);
    }

    [data-theme="dark"] td {
      color: var(--ink);
      border-color: var(--gray-border);
    }

    [data-theme="dark"] tr:hover td {
      background: rgba(139, 26, 46, .12);
    }

    [data-theme="dark"] .topbar {
      background: #0A0305;
    }

    [data-theme="dark"] footer {
      background: #080205;
    }

    [data-theme="dark"] .mobile-menu {
      background: var(--surface);
    }

    [data-theme="dark"] .mob-link,
    [data-theme="dark"] .mob-link-sub {
      color: var(--ink);
      border-color: var(--gray-border);
    }

    [data-theme="dark"] .acc-panel {
      background: var(--surface);
      border-color: var(--gray-border);
    }

    [data-theme="dark"] .acc-btn {
      background: var(--surface-2);
      color: var(--ink);
      border-color: var(--gray-border);
    }

    [data-theme="dark"] .acc-btn.active {
      background: var(--maroon);
      color: #fff;
      border-color: var(--maroon);
    }

    [data-theme="dark"] .acc-font-btn {
      background: var(--surface-2);
      color: var(--ink);
      border-color: var(--gray-border);
    }

    /* ── HIGH CONTRAST ──────────────────────────────────────── */
    [data-theme="dark"][data-contrast="high"] {
      --bg-page: #000;
      --bg-section: #00050F;
      --surface: #000D1F;
      --surface-2: #001430;
      --ink: #FFF;
      --gray-soft: #B0D0FF;
      --gray-border: #1A3A6B;
      --muted: #80A8FF;
      --gold: #FFD700;
      --gold-light: #FFE34D;
    }

    [data-theme="light"][data-contrast="high"] {
      --bg-page: #FFF;
      --bg-section: #F0F5FF;
      --surface: #FFF;
      --surface-2: #E0ECFF;
      --ink: #000;
      --gray-soft: #001A40;
      --gray-border: #1A3A6B;
      --muted: #0F2347;
      --maroon: #0A2050;
      --maroon-dark: #060F28;
    }

    /* ── FONT SIZE ──────────────────────────────────────────── */
    [data-font-size="sm"] {
      font-size: 14px;
    }

    [data-font-size="md"] {
      font-size: 16px;
    }

    [data-font-size="lg"] {
      font-size: 19px;
    }

    [data-font-size="xl"] {
      font-size: 22px;
    }

    /* ── REDUCED MOTION ─────────────────────────────────────── */
    [data-motion="reduced"] * {
      animation-duration: .01ms !important;
      animation-iteration-count: 1 !important;
      transition-duration: .01ms !important;
    }

    @media(prefers-reduced-motion:reduce) {
      * {
        animation-duration: .01ms !important;
        animation-iteration-count: 1 !important;
        transition-duration: .01ms !important;
      }
    }

    /* ── RESET ──────────────────────────────────────────────── */
    * {
      margin: 0;
      padding: 0;
      box-sizing: border-box;
    }

    html {
      scroll-behavior: smooth;
    }

    body {
      font-family: var(--font-body);
      background: var(--bg-page);
      color: var(--ink);
      overflow-x: hidden;
      transition: background .3s, color .3s;
    }

    ::-webkit-scrollbar {
      width: 5px;
    }

    ::-webkit-scrollbar-track {
      background: var(--bg-page);
    }

    ::-webkit-scrollbar-thumb {
      background: var(--maroon);
      border-radius: 4px;
    }

    :focus-visible {
      outline: 3px solid var(--gold);
      outline-offset: 2px;
      border-radius: 4px;
    }

    /* ── ACCESSIBILITY TOOLBAR ──────────────────────────────── */
    .acc-toolbar {
      position: fixed;
      bottom: 84px;
      right: 20px;
      z-index: 9000;
      display: flex;
      flex-direction: column;
      align-items: flex-end;
      gap: 10px;
    }

    .acc-toggle {
      width: 46px;
      height: 46px;
      border-radius: 50%;
      background: var(--maroon);
      color: #fff;
      border: 2px solid var(--gold);
      display: flex;
      align-items: center;
      justify-content: center;
      font-size: 19px;
      cursor: pointer;
      box-shadow: 0 4px 20px rgba(139, 26, 46, .4);
      transition: all .25s;
    }

    .acc-toggle:hover {
      transform: scale(1.08);
      background: var(--maroon-dark);
    }

    .acc-panel {
      background: var(--surface);
      border: 1px solid var(--gray-border);
      border-radius: 16px;
      padding: 18px;
      width: 248px;
      box-shadow: var(--shadow-hover);
      opacity: 0;
      transform: translateY(10px) scale(.97);
      pointer-events: none;
      transition: all .25s;
    }

    .acc-panel.open {
      opacity: 1;
      transform: translateY(0) scale(1);
      pointer-events: all;
    }

    .acc-panel-title {
      font-size: 10px;
      font-weight: 700;
      letter-spacing: .1em;
      text-transform: uppercase;
      color: var(--muted);
      margin-bottom: 14px;
      display: flex;
      align-items: center;
      gap: 6px;
    }

    .acc-group {
      margin-bottom: 14px;
    }

    .acc-group-label {
      font-size: 10px;
      font-weight: 600;
      color: var(--gray-soft);
      margin-bottom: 7px;
    }

    .acc-row {
      display: flex;
      gap: 6px;
      flex-wrap: wrap;
    }

    .acc-btn {
      padding: 6px 11px;
      border-radius: 8px;
      font-size: 11.5px;
      font-weight: 600;
      border: 1.5px solid var(--gray-border);
      background: var(--surface-2);
      color: var(--ink);
      cursor: pointer;
      transition: all .18s;
      display: flex;
      align-items: center;
      gap: 5px;
      font-family: var(--font-body);
    }

    .acc-btn:hover {
      border-color: var(--maroon);
      color: var(--maroon);
    }

    .acc-btn.active {
      background: var(--maroon);
      color: #fff;
      border-color: var(--maroon);
    }

    .acc-divider {
      height: 1px;
      background: var(--gray-border);
      margin: 4px 0 12px;
    }

    .acc-font-row {
      display: flex;
      align-items: center;
      gap: 8px;
    }

    .acc-font-btn {
      width: 32px;
      height: 32px;
      border-radius: 8px;
      border: 1.5px solid var(--gray-border);
      background: var(--surface-2);
      color: var(--ink);
      font-size: 14px;
      font-weight: 700;
      cursor: pointer;
      display: flex;
      align-items: center;
      justify-content: center;
      transition: all .18s;
      font-family: var(--font-body);
    }

    .acc-font-btn:hover {
      border-color: var(--maroon);
      color: var(--maroon);
    }

    .acc-font-label {
      flex: 1;
      text-align: center;
      font-size: 11px;
      font-weight: 600;
      color: var(--gray-soft);
    }

    /* ── SCROLL TOP ─────────────────────────────────────────── */
    .scroll-top {
      position: fixed;
      bottom: 22px;
      right: 20px;
      z-index: 9000;
      width: 42px;
      height: 42px;
      background: var(--maroon);
      color: #fff;
      border-radius: 10px;
      border: none;
      cursor: pointer;
      display: flex;
      align-items: center;
      justify-content: center;
      font-size: 15px;
      opacity: 0;
      pointer-events: none;
      transition: all .3s;
      box-shadow: 0 4px 16px rgba(139, 26, 46, .35);
    }

    .scroll-top.visible {
      opacity: 1;
      pointer-events: all;
    }

    .scroll-top:hover {
      background: var(--maroon-dark);
      transform: translateY(-2px);
    }

    /* ── TOP BAR ────────────────────────────────────────────── */
    .topbar {
      background: var(--maroon-dark);
      color: rgba(255, 255, 255, .75);
      font-size: 11.5px;
      letter-spacing: .04em;
      padding: 6px 0;
    }

    .topbar-inner {
      max-width: 1340px;
      margin: auto;
      padding: 0 24px;
      display: flex;
      align-items: center;
      justify-content: space-between;
    }

    .topbar a {
      color: rgba(255, 255, 255, .75);
      text-decoration: none;
      transition: color .2s;
    }

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

    .topbar-contact {
      display: flex;
      gap: 18px;
      align-items: center;
    }

    .topbar-contact span {
      display: flex;
      align-items: center;
      gap: 5px;
    }

    .topbar-social {
      display: flex;
      gap: 8px;
    }

    .topbar-social a {
      width: 24px;
      height: 24px;
      border-radius: 50%;
      border: 1px solid rgba(255, 255, 255, .2);
      display: flex;
      align-items: center;
      justify-content: center;
      font-size: 10px;
      transition: all .2s;
    }

    .topbar-social a:hover {
      background: var(--gold);
      border-color: var(--gold);
      color: #fff;
    }

    /* ── NAV ────────────────────────────────────────────────── */
    nav {
      position: sticky;
      top: 0;
      z-index: 800;
      background: var(--surface);
      border-bottom: 1px solid var(--gray-border);
      transition: box-shadow .3s, background .3s;
    }

    nav.scrolled {
      box-shadow: 0 4px 24px rgba(139, 26, 46, .1);
    }

    .nav-inner {
      max-width: 1340px;
      margin: auto;
      padding: 0 24px;
      height: 68px;
      display: flex;
      align-items: center;
      gap: 20px;
    }

    .nav-logo {
      display: flex;
      align-items: center;
      gap: 11px;
      text-decoration: none;
      flex-shrink: 0;
    }

    .nav-logo-icon {
      width: 42px;
      height: 42px;
      background: linear-gradient(135deg, var(--maroon) 0%, var(--maroon-dark) 100%);
      border-radius: 9px;
      display: flex;
      align-items: center;
      justify-content: center;
      color: var(--gold);
      font-family: var(--font-display);
      font-weight: 700;
      font-size: 17px;
      flex-shrink: 0;
    }

    .nav-logo-name {
      font-family: var(--font-display);
      font-weight: 700;
      font-size: 13.5px;
      color: var(--maroon-dark);
      display: block;
      transition: color .3s;
    }

    .nav-logo-sub {
      font-size: 9px;
      color: var(--gray-soft);
      letter-spacing: .06em;
      text-transform: uppercase;
      display: block;
    }

    .nav-links {
      display: flex;
      align-items: center;
      gap: 2px;
      flex: 1;
    }

    .nav-item {
      position: relative;
    }

    .nav-link {
      display: flex;
      align-items: center;
      gap: 4px;
      padding: 7px 11px;
      border-radius: 8px;
      font-size: 12px;
      font-weight: 500;
      color: var(--gray-soft);
      text-decoration: none;
      cursor: pointer;
      transition: all .2s;
      white-space: nowrap;
      background: none;
      border: none;
      font-family: var(--font-body);
    }

    .nav-link:hover,
    .nav-link.active {
      color: var(--maroon);
      background: rgba(139, 26, 46, .06);
    }

    .nav-link i.chevron {
      font-size: 9px;
      transition: transform .2s;
    }

    .nav-item:hover .nav-link i.chevron {
      transform: rotate(180deg);
    }

    .dropdown {
      position: absolute;
      top: calc(100% + 8px);
      left: 0;
      background: var(--surface);
      border: 1px solid var(--gray-border);
      border-radius: var(--radius);
      padding: 7px;
      min-width: 200px;
      box-shadow: var(--shadow-hover);
      opacity: 0;
      transform: translateY(-8px);
      pointer-events: none;
      transition: all .22s;
    }

    .nav-item:hover .dropdown {
      opacity: 1;
      transform: translateY(0);
      pointer-events: all;
    }

    .dropdown a {
      display: block;
      padding: 8px 13px;
      font-size: 12px;
      color: var(--gray-soft);
      text-decoration: none;
      border-radius: 7px;
      transition: all .16s;
    }

    .dropdown a:hover {
      color: var(--maroon);
      background: rgba(139, 26, 46, .06);
      padding-left: 17px;
    }

    .nav-cta {
      margin-left: auto;
      display: flex;
      gap: 8px;
      align-items: center;
      flex-shrink: 0;
    }

    .btn-outline {
      padding: 7px 15px;
      border-radius: 8px;
      font-size: 12px;
      font-weight: 600;
      border: 1.5px solid var(--maroon);
      color: var(--maroon);
      background: transparent;
      cursor: pointer;
      transition: all .2s;
      text-decoration: none;
      display: inline-flex;
      align-items: center;
      gap: 5px;
      font-family: var(--font-body);
    }

    .btn-outline:hover {
      background: var(--maroon);
      color: #fff;
    }

    .btn-primary {
      padding: 8px 16px;
      border-radius: 8px;
      font-size: 12px;
      font-weight: 600;
      background: var(--maroon);
      color: #fff;
      border: none;
      cursor: pointer;
      transition: all .2s;
      text-decoration: none;
      display: inline-flex;
      align-items: center;
      gap: 5px;
      box-shadow: 0 2px 8px rgba(139, 26, 46, .25);
      font-family: var(--font-body);
    }

    .btn-primary:hover {
      background: var(--maroon-dark);
      transform: translateY(-1px);
    }

    .hamburger-btn {
      display: none;
      flex-direction: column;
      gap: 5px;
      cursor: pointer;
      padding: 6px;
      background: none;
      border: none;
    }

    .hamburger-btn span {
      display: block;
      width: 22px;
      height: 2px;
      background: var(--maroon);
      border-radius: 2px;
      transition: all .3s;
    }

    .hamburger-btn.open span:nth-child(1) {
      transform: translateY(7px) rotate(45deg);
    }

    .hamburger-btn.open span:nth-child(2) {
      opacity: 0;
      transform: scaleX(0);
    }

    .hamburger-btn.open span:nth-child(3) {
      transform: translateY(-7px) rotate(-45deg);
    }

    /* ── MOBILE MENU ────────────────────────────────────────── */
    .mobile-menu {
      position: fixed;
      inset: 0;
      z-index: 900;
      background: var(--surface);
      overflow-y: auto;
      -webkit-overflow-scrolling: touch;
      transform: translateX(100%);
      transition: transform .35s cubic-bezier(.4, 0, .2, 1);
      padding: 80px 0 40px;
    }

    .mobile-menu.open {
      transform: translateX(0);
    }

    .mm-inner {
      padding: 0 24px;
    }

    /* close button inside menu */
    .mm-close {
      position: absolute;
      top: 16px;
      right: 20px;
      width: 40px;
      height: 40px;
      background: none;
      border: 1.5px solid var(--gray-border);
      border-radius: 9px;
      color: var(--ink);
      font-size: 16px;
      cursor: pointer;
      display: flex;
      align-items: center;
      justify-content: center;
      transition: all .2s;
    }

    .mm-close:hover {
      background: var(--maroon);
      color: #fff;
      border-color: var(--maroon);
    }

    /* chevron rotation on open sub-menu */
    .mob-link .fa-chevron-down {
      transition: transform .25s;
      margin-left: auto;
    }

    .mob-sub.open+*,
    /* fallback */
    .mob-link[aria-expanded="true"] .fa-chevron-down {
      transform: rotate(180deg);
    }

    .mob-link {
      display: flex;
      justify-content: space-between;
      align-items: center;
      padding: 14px 0;
      font-size: 15px;
      font-weight: 600;
      color: var(--ink);
      border-bottom: 1px solid var(--gray-border);
      text-decoration: none;
      cursor: pointer;
      background: none;
      border-left: none;
      border-right: none;
      border-top: none;
      font-family: var(--font-body);
      width: 100%;
      text-align: left;
    }

    .mob-sub {
      display: none;
      padding-left: 14px;
      border-bottom: 1px solid var(--gray-border);
    }

    .mob-sub.open {
      display: block;
    }

    .mob-link-sub {
      display: block;
      padding: 10px 0;
      font-size: 13px;
      font-weight: 400;
      color: var(--gray-soft);
      text-decoration: none;
      border-bottom: 1px solid rgba(139, 26, 46, .07);
    }

    .mob-link-sub:last-child {
      border-bottom: none;
    }

    .mob-cta {
      margin-top: 20px;
      display: flex;
      flex-direction: column;
      gap: 10px;
    }

    .mob-cta a {
      text-align: center;
      padding: 13px;
      border-radius: 10px;
      font-size: 14px;
      font-weight: 600;
      text-decoration: none;
      font-family: var(--font-body);
      display: block;
    }

    .mob-cta .mc-out {
      border: 2px solid var(--maroon);
      color: var(--maroon);
    }

    .mob-cta .mc-pri {
      background: var(--maroon);
      color: #fff;
    }

    /* mobile acc section */
    .mob-acc {
      margin-top: 24px;
      padding-top: 18px;
      border-top: 1px solid var(--gray-border);
    }

    .mob-acc-title {
      font-size: 10px;
      font-weight: 700;
      letter-spacing: .1em;
      text-transform: uppercase;
      color: var(--muted);
      margin-bottom: 12px;
    }

    .mob-acc-row {
      display: flex;
      align-items: center;
      justify-content: space-between;
      padding: 9px 0;
      border-bottom: 1px solid var(--gray-border);
      font-size: 13px;
      font-weight: 500;
      color: var(--ink);
    }

    .mob-acc-row:last-child {
      border-bottom: none;
    }

    .mob-acc-btns {
      display: flex;
      gap: 6px;
    }

    .mob-acc-btn {
      padding: 5px 10px;
      border-radius: 6px;
      border: 1.5px solid var(--gray-border);
      background: var(--surface-2);
      color: var(--ink);
      font-size: 11px;
      font-weight: 600;
      cursor: pointer;
      font-family: var(--font-body);
      transition: all .18s;
    }

    .mob-acc-btn.active {
      background: var(--maroon);
      color: #fff;
      border-color: var(--maroon);
    }

    /* ── HERO ───────────────────────────────────────────────── */
    .hero {
      min-height: 92vh;
      /* background: var(--surface); */
      display: flex;
      align-items: center;
      position: relative;
      overflow: hidden;
      padding: 80px 0 56px;
      transition: background .3s;
    }

    .hero {
      background: linear-gradient(108deg, var(--surface) 58%, var(--maroon-dark) 58%);
    }

    .hero-orb-1 {
      position: absolute;
      right: -150px;
      top: -120px;
      width: 560px;
      height: 560px;
      border-radius: 50%;
      background: radial-gradient(circle, rgba(201, 150, 26, .1) 0%, transparent 70%);
      pointer-events: none;
    }

    .hero-orb-2 {
      position: absolute;
      left: -120px;
      bottom: -120px;
      width: 420px;
      height: 420px;
      border-radius: 50%;
      background: radial-gradient(circle, rgba(139, 26, 46, .07) 0%, transparent 70%);
      pointer-events: none;
    }

    .hero-grid {
      position: absolute;
      inset: 0;
      background-image: linear-gradient(rgba(139, 26, 46, .04) 1px, transparent 1px), linear-gradient(90deg, rgba(139, 26, 46, .04) 1px, transparent 1px);
      background-size: 60px 60px;
      pointer-events: none;
    }

    .hero-inner {
      max-width: 1340px;
      margin: auto;
      padding: 0 24px;
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 60px;
      align-items: center;
    }

    .hero-badge {
      display: inline-flex;
      align-items: center;
      gap: 8px;
      background: rgba(201, 150, 26, .12);
      border: 1px solid rgba(201, 150, 26, .3);
      color: var(--gold);
      padding: 5px 13px;
      border-radius: 100px;
      font-size: 11px;
      font-weight: 600;
      letter-spacing: .08em;
      text-transform: uppercase;
      margin-bottom: 22px;
    }

    .hero-badge-dot {
      width: 6px;
      height: 6px;
      border-radius: 50%;
      background: var(--gold);
      animation: pulse 2s infinite;
    }

    @keyframes pulse {

      0%,
      100% {
        opacity: 1;
        transform: scale(1);
      }

      50% {
        opacity: .5;
        transform: scale(1.3);
      }
    }

    h1.hero-title {
      font-family: var(--font-display);
      font-size: clamp(32px, 4.2vw, 64px);
      font-weight: 700;
      line-height: 1.1;
      letter-spacing: -1px;
      color: var(--maroon-dark);
      margin-bottom: 20px;
      transition: color .3s;
    }

    h1.hero-title em {
      font-style: normal;
      color: var(--gold);
    }

    .hero-desc {
      font-size: 14.5px;
      line-height: 1.75;
      color: var(--gray-soft);
      max-width: 480px;
      margin-bottom: 34px;
    }

    .hero-actions {
      display: flex;
      gap: 12px;
      flex-wrap: wrap;
      align-items: center;
      margin-bottom: 44px;
    }

    .btn-hero {
      padding: 12px 26px;
      border-radius: 10px;
      font-size: 14px;
      font-weight: 600;
      cursor: pointer;
      transition: all .25s;
      text-decoration: none;
      display: inline-flex;
      align-items: center;
      gap: 7px;
      font-family: var(--font-body);
    }

    .btn-hero-pri {
      background: var(--maroon);
      color: #fff;
      border: 2px solid var(--maroon);
      box-shadow: 0 4px 20px rgba(139, 26, 46, .3);
    }

    .btn-hero-pri:hover {
      background: var(--maroon-dark);
      transform: translateY(-2px);
      box-shadow: 0 8px 32px rgba(139, 26, 46, .4);
    }

    .btn-hero-sec {
      background: transparent;
      color: var(--maroon);
      border: 2px solid rgba(139, 26, 46, .25);
    }

    .btn-hero-sec:hover {
      background: rgba(139, 26, 46, .06);
      border-color: var(--maroon);
    }

    .hero-stats {
      display: flex;
      gap: 30px;
      flex-wrap: wrap;
    }

    .hero-stat-num {
      font-family: var(--font-display);
      font-size: 28px;
      font-weight: 700;
      color: var(--maroon);
      line-height: 1;
    }

    .hero-stat-label {
      font-size: 11px;
      color: var(--gray-soft);
      margin-top: 3px;
      font-weight: 500;
    }

    .hero-stat-div {
      width: 1px;
      background: var(--gray-border);
    }

    /* visual */
    .hero-visual {
      position: relative;
    }

    .hero-card {
      background: linear-gradient(135deg, var(--maroon-dark) 0%, var(--maroon) 100%);
      border-radius: 20px;
      padding: 30px;
      color: #fff;
      position: relative;
      overflow: hidden;
      box-shadow: 0 24px 64px rgba(139, 26, 46, .35);
    }

    .hero-card::before {
      content: '';
      position: absolute;
      top: -60px;
      right: -60px;
      width: 200px;
      height: 200px;
      border-radius: 50%;
      background: rgba(201, 150, 26, .15);
    }

    .hero-card-logo {
      font-family: var(--font-display);
      font-size: 15px;
      font-weight: 700;
      color: var(--gold-light);
      margin-bottom: 22px;
      position: relative;
    }

    .hero-card-bal-label {
      font-size: 10px;
      opacity: .6;
      letter-spacing: .08em;
      text-transform: uppercase;
      margin-bottom: 5px;
    }

    .hero-card-bal {
      font-family: var(--font-display);
      font-size: 32px;
      font-weight: 700;
      margin-bottom: 4px;
    }

    .hero-card-bal-sub {
      font-size: 11px;
      opacity: .5;
      margin-bottom: 26px;
    }

    .hero-chip {
      width: 38px;
      height: 26px;
      background: linear-gradient(135deg, var(--gold) 0%, var(--gold-light) 100%);
      border-radius: 5px;
      margin-bottom: 12px;
    }

    .hero-card-num {
      letter-spacing: .15em;
      font-size: 12px;
      opacity: .7;
      font-family: monospace;
      margin-bottom: 16px;
    }

    .hero-card-foot {
      display: flex;
      justify-content: space-between;
      align-items: flex-end;
    }

    .hero-card-hlabel {
      font-size: 9px;
      opacity: .5;
      letter-spacing: .07em;
      text-transform: uppercase;
      margin-bottom: 2px;
    }

    .hero-card-hval {
      font-size: 13px;
      font-weight: 600;
    }

    .hero-f1 {
      position: absolute;
      top: -18px;
      right: -20px;
      background: var(--surface);
      border-radius: 13px;
      padding: 13px 16px;
      box-shadow: var(--shadow-hover);
      min-width: 150px;
      border: 1px solid var(--gray-border);
    }

    .hero-f1 .fl {
      font-size: 10px;
      color: var(--gray-soft);
      margin-bottom: 3px;
    }

    .hero-f1 .fv {
      font-family: var(--font-display);
      font-size: 19px;
      font-weight: 700;
      color: var(--maroon);
    }

    .hero-f1 .ft {
      display: inline-flex;
      align-items: center;
      gap: 4px;
      font-size: 10px;
      color: #16a34a;
      background: #f0fdf4;
      padding: 2px 7px;
      border-radius: 100px;
      margin-top: 5px;
      font-weight: 600;
    }

    .hero-f2 {
      position: absolute;
      bottom: -16px;
      left: -18px;
      background: var(--surface);
      border-radius: 13px;
      padding: 11px 14px;
      box-shadow: var(--shadow-hover);
      border: 1px solid var(--gray-border);
    }

    .hero-f2 .fi {
      width: 32px;
      height: 32px;
      background: rgba(201, 150, 26, .12);
      border-radius: 7px;
      display: flex;
      align-items: center;
      justify-content: center;
      color: var(--gold);
      font-size: 14px;
      margin-bottom: 6px;
    }

    .hero-f2 .fl {
      font-size: 10px;
      color: var(--gray-soft);
      margin-bottom: 2px;
    }

    .hero-f2 .fv {
      font-size: 13px;
      font-weight: 700;
      color: var(--ink);
    }

    /* ── TICKER ─────────────────────────────────────────────── */
    .ticker {
      background: var(--maroon);
      padding: 10px 0;
      overflow: hidden;
    }

    .ticker-inner {
      display: flex;
      align-items: center;
    }

    .ticker-tag {
      background: var(--gold);
      color: #fff;
      font-size: 9.5px;
      font-weight: 700;
      letter-spacing: .1em;
      text-transform: uppercase;
      padding: 4px 12px;
      white-space: nowrap;
      flex-shrink: 0;
    }

    .ticker-track {
      display: flex;
      animation: tickerScroll 36s linear infinite;
      white-space: nowrap;
    }

    .ticker-track:hover {
      animation-play-state: paused;
    }

    .ticker-item {
      display: inline-flex;
      align-items: center;
      gap: 7px;
      padding: 0 26px;
      font-size: 11.5px;
      color: rgba(255, 255, 255, .85);
      font-weight: 500;
      flex-shrink: 0;
    }

    .ticker-dot {
      width: 4px;
      height: 4px;
      border-radius: 50%;
      background: var(--gold);
    }

    @keyframes tickerScroll {
      0% {
        transform: translateX(0);
      }

      100% {
        transform: translateX(-50%);
      }
    }

    /* ── SECTIONS ───────────────────────────────────────────── */
    section {
      padding: 84px 0;
    }

    .section-inner {
      max-width: 1340px;
      margin: auto;
      padding: 0 24px;
    }

    .section-label {
      display: inline-flex;
      align-items: center;
      gap: 7px;
      font-size: 10.5px;
      font-weight: 700;
      letter-spacing: .14em;
      text-transform: uppercase;
      color: var(--gold);
      margin-bottom: 13px;
    }

    .section-label::before {
      content: '';
      width: 20px;
      height: 2px;
      background: var(--gold);
    }

    .section-title {
      font-family: var(--font-display);
      font-size: clamp(24px, 3vw, 40px);
      font-weight: 700;
      color: var(--maroon-dark);
      line-height: 1.15;
      letter-spacing: -.5px;
      transition: color .3s;
    }

    .section-title em {
      font-style: normal;
      color: var(--gold);
    }

    .section-desc {
      font-size: 13.5px;
      line-height: 1.75;
      color: var(--gray-soft);
      max-width: 510px;
      margin-top: 13px;
    }

    .section-header {
      text-align: center;
      margin-bottom: 52px;
    }

    .section-header .section-label {
      justify-content: center;
    }

    .section-header .section-desc {
      margin: 13px auto 0;
    }

    /* ── SERVICES ───────────────────────────────────────────── */
    .services {
      background: var(--bg-section);
    }

    .services-grid {
      display: grid;
      grid-template-columns: repeat(4, 1fr);
      gap: 16px;
    }

    .service-card {
      background: var(--surface);
      border-radius: var(--radius);
      border: 1px solid var(--gray-border);
      transition: all .3s;
      position: relative;
      overflow: hidden;
      text-decoration: none;
      display: block;
      color: inherit;
    }

    .service-card::before {
      content: '';
      position: absolute;
      bottom: 0;
      left: 0;
      right: 0;
      height: 3px;
      background: linear-gradient(90deg, var(--maroon), var(--gold));
      transform: scaleX(0);
      transform-origin: left;
      transition: transform .35s;
      z-index: 1;
    }

    .service-card:hover {
      transform: translateY(-5px);
      box-shadow: var(--shadow-hover);
      border-color: rgba(139, 26, 46, .2);
    }

    .service-card:hover::before {
      transform: scaleX(1);
    }

    .svc-img {
      width: 100%;
      height: 148px;
      overflow: hidden;
      position: relative;
    }

    .svc-img img {
      width: 100%;
      height: 100%;
      object-fit: cover;
      transition: transform .45s ease;
    }

    .svc-img-overlay {
      position: absolute;
      inset: 0;
      background: linear-gradient(to bottom, transparent 40%, rgba(139, 26, 46, .55) 100%);
      opacity: 0;
      transition: opacity .35s;
    }

    .service-card:hover .svc-img img {
      transform: scale(1.07);
    }

    .service-card:hover .svc-img-overlay {
      opacity: 1;
    }

    .svc-body {
      padding: 18px 18px 16px;
    }

    .svc-icon {
      width: 42px;
      height: 42px;
      border-radius: 10px;
      background: rgba(139, 26, 46, .08);
      display: flex;
      align-items: center;
      justify-content: center;
      margin-bottom: 12px;
      transition: all .3s;
    }

    .service-card:hover .svc-icon {
      background: var(--maroon);
    }

    .svc-icon i {
      font-size: 17px;
      color: var(--maroon);
      transition: color .3s;
    }

    .service-card:hover .svc-icon i {
      color: #fff;
    }

    .service-card h3 {
      font-family: var(--font-display);
      font-size: 15px;
      font-weight: 600;
      color: var(--maroon-dark);
      margin-bottom: 6px;
      line-height: 1.3;
      transition: color .3s;
    }

    .service-card p {
      font-size: 11.5px;
      line-height: 1.6;
      color: var(--gray-soft);
    }

    .svc-arrow {
      display: inline-flex;
      align-items: center;
      gap: 5px;
      font-size: 11px;
      font-weight: 600;
      color: var(--maroon);
      margin-top: 11px;
      opacity: 0;
      transform: translateX(-8px);
      transition: all .3s;
    }

    .service-card:hover .svc-arrow {
      opacity: 1;
      transform: translateX(0);
    }

    /* dark theme img overlay adjustment */
    [data-theme="dark"] .svc-img-overlay {
      background: linear-gradient(to bottom, transparent 40%, rgba(0, 0, 0, .6) 100%);
    }

    /* ── ABOUT ──────────────────────────────────────────────── */
    .about-inner {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 68px;
      align-items: center;
    }

    .about-visual {
      position: relative;
      padding: 20px;
    }

    .about-img-wrap {
      background: linear-gradient(135deg, var(--maroon-dark) 0%, var(--maroon-light) 100%);
      border-radius: 18px;
      aspect-ratio: 4/3;
      position: relative;
      overflow: hidden;
    }

    .about-img-wrap::before {
      content: '';
      position: absolute;
      inset: 0;
      background: radial-gradient(circle at 30% 70%, rgba(201, 150, 26, .2) 0%, transparent 50%);
    }

    .about-img-icon {
      font-size: 68px;
      color: rgba(201, 150, 26, .4);
      position: relative;
    }

    .about-est {
      position: absolute;
      bottom: -14px;
      right: -14px;
      background: var(--gold);
      color: #fff;
      border-radius: var(--radius);
      padding: 16px 20px;
      text-align: center;
      box-shadow: 0 8px 32px rgba(201, 150, 26, .35);
    }

    .about-est-year {
      font-family: var(--font-display);
      font-size: 32px;
      font-weight: 700;
      line-height: 1;
    }

    .about-est-text {
      font-size: 9.5px;
      font-weight: 600;
      letter-spacing: .06em;
      opacity: .85;
      text-transform: uppercase;
    }

    .about-dicgc {
      position: absolute;
      top: -12px;
      left: -12px;
      background: var(--surface);
      border: 1px solid var(--gray-border);
      border-radius: 9px;
      padding: 9px 13px;
      display: flex;
      align-items: center;
      gap: 9px;
      box-shadow: var(--shadow-card);
    }

    .about-dicgc i {
      color: var(--maroon);
      font-size: 16px;
    }

    .about-dicgc span {
      font-size: 9.5px;
      font-weight: 700;
      color: var(--maroon-dark);
      letter-spacing: .04em;
      transition: color .3s;
    }

    .about-content .section-label {
      justify-content: flex-start;
    }

    .about-features {
      margin-top: 28px;
      display: flex;
      flex-direction: column;
      gap: 13px;
    }

    .about-feature {
      display: flex;
      align-items: flex-start;
      gap: 12px;
    }

    .af-icon {
      width: 34px;
      height: 34px;
      border-radius: 7px;
      background: rgba(139, 26, 46, .08);
      display: flex;
      align-items: center;
      justify-content: center;
      flex-shrink: 0;
      color: var(--maroon);
    }

    .about-feature h4 {
      font-size: 13px;
      font-weight: 600;
      color: var(--ink);
      margin-bottom: 2px;
    }

    .about-feature p {
      font-size: 12px;
      color: var(--gray-soft);
      line-height: 1.55;
    }

    /* ── DEPOSITS ───────────────────────────────────────────── */
    .deposits {
      background: var(--bg-section);
    }

    .deposits-grid {
      display: grid;
      grid-template-columns: repeat(3, 1fr);
      gap: 20px;
    }

    .deposit-card {
      background: var(--surface);
      border-radius: var(--radius);
      padding: 28px;
      border: 1px solid var(--gray-border);
      transition: all .3s;
      position: relative;
      overflow: hidden;
    }

    .deposit-card.featured {
      background: linear-gradient(135deg, var(--maroon-dark) 0%, var(--maroon) 100%);
      border-color: transparent;
      color: #fff;
    }

    .deposit-card.featured::after {
      content: 'POPULAR';
      position: absolute;
      top: 13px;
      right: 13px;
      font-size: 8.5px;
      font-weight: 700;
      letter-spacing: .12em;
      background: var(--gold);
      color: #fff;
      padding: 3px 9px;
      border-radius: 100px;
    }

    .deposit-card:hover {
      transform: translateY(-4px);
      box-shadow: var(--shadow-hover);
    }

    .dep-icon {
      width: 44px;
      height: 44px;
      border-radius: 9px;
      display: flex;
      align-items: center;
      justify-content: center;
      margin-bottom: 16px;
      font-size: 18px;
    }

    .deposit-card:not(.featured) .dep-icon {
      background: rgba(139, 26, 46, .08);
      color: var(--maroon);
    }

    .deposit-card.featured .dep-icon {
      background: rgba(255, 255, 255, .12);
      color: var(--gold-light);
    }

    .deposit-card h3 {
      font-family: var(--font-display);
      font-size: 18px;
      font-weight: 700;
      margin-bottom: 6px;
    }

    .deposit-card:not(.featured) h3 {
      color: var(--maroon-dark);
      transition: color .3s;
    }

    .deposit-card p {
      font-size: 12px;
      line-height: 1.6;
      margin-bottom: 20px;
    }

    .deposit-card:not(.featured) p {
      color: var(--gray-soft);
    }

    .deposit-card.featured p {
      color: rgba(255, 255, 255, .75);
    }

    .dep-rate {
      margin-bottom: 20px;
    }

    .dep-rate-num {
      font-family: var(--font-display);
      font-size: 28px;
      font-weight: 700;
      line-height: 1;
    }

    .deposit-card:not(.featured) .dep-rate-num {
      color: var(--maroon);
    }

    .deposit-card.featured .dep-rate-num {
      color: var(--gold-light);
    }

    .dep-rate-label {
      font-size: 11px;
      margin-top: 3px;
    }

    .deposit-card:not(.featured) .dep-rate-label {
      color: var(--gray-soft);
    }

    .deposit-card.featured .dep-rate-label {
      color: rgba(255, 255, 255, .6);
    }

    .dep-features {
      list-style: none;
      display: flex;
      flex-direction: column;
      gap: 8px;
      margin-bottom: 22px;
    }

    .dep-features li {
      display: flex;
      align-items: center;
      gap: 7px;
      font-size: 12px;
    }

    .dep-features li i {
      font-size: 11px;
      color: var(--gold);
      flex-shrink: 0;
    }

    .deposit-card:not(.featured) .dep-features li {
      color: var(--gray-soft);
    }

    .deposit-card.featured .dep-features li {
      color: rgba(255, 255, 255, .8);
    }

    .deposit-card.featured .dep-features li i {
      color: var(--gold-light);
    }

    .dep-btn {
      display: inline-flex;
      align-items: center;
      gap: 5px;
      padding: 9px 18px;
      border-radius: 8px;
      font-size: 12px;
      font-weight: 600;
      cursor: pointer;
      transition: all .25s;
      text-decoration: none;
      border: none;
      font-family: var(--font-body);
    }

    .deposit-card:not(.featured) .dep-btn {
      background: var(--maroon);
      color: #fff;
    }

    .deposit-card:not(.featured) .dep-btn:hover {
      background: var(--maroon-dark);
    }

    .deposit-card.featured .dep-btn {
      background: var(--gold);
      color: #fff;
    }

    .deposit-card.featured .dep-btn:hover {
      background: var(--gold-light);
    }

    /* ── RATES TABLE ────────────────────────────────────────── */
    .rates-grid {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 24px;
      margin-top: 44px;
    }

    .rates-wrap {
      background: var(--surface);
      border-radius: var(--radius);
      border: 1px solid var(--gray-border);
      overflow: hidden;
      box-shadow: var(--shadow-card);
    }

    .rates-head {
      background: var(--maroon);
      padding: 16px 20px;
      display: flex;
      align-items: center;
      gap: 9px;
      color: #fff;
    }

    .rates-head i {
      font-size: 16px;
      color: var(--gold-light);
    }

    .rates-head h3 {
      font-family: var(--font-display);
      font-size: 16px;
      font-weight: 600;
    }

    .table-scroll {
      overflow-x: auto;
    }

    table {
      width: 100%;
      border-collapse: collapse;
      min-width: 280px;
    }

    th {
      padding: 10px 16px;
      text-align: left;
      font-size: 10px;
      font-weight: 700;
      letter-spacing: .08em;
      text-transform: uppercase;
      color: var(--gray-soft);
      background: var(--bg-section);
      border-bottom: 1px solid var(--gray-border);
      white-space: nowrap;
    }

    td {
      padding: 11px 16px;
      font-size: 12px;
      color: var(--ink);
      border-bottom: 1px solid var(--gray-border);
      white-space: nowrap;
    }

    tr:last-child td {
      border-bottom: none;
    }

    tr:hover td {
      background: rgba(139, 26, 46, .04);
    }

    td.rh {
      font-weight: 700;
      color: var(--maroon);
    }

    /* ── DIRECTORS ──────────────────────────────────────────── */
    .directors-grid {
      display: grid;
      grid-template-columns: repeat(5, 1fr);
      gap: 16px;
    }

    .dir-card {
      background: var(--surface);
      border-radius: var(--radius);
      padding: 20px 12px;
      text-align: center;
      border: 1px solid var(--gray-border);
      transition: all .3s;
    }

    .dir-card:hover {
      transform: translateY(-4px);
      box-shadow: var(--shadow-hover);
      border-color: rgba(139, 26, 46, .2);
    }

    .dir-avatar {
      width: 64px;
      height: 64px;
      border-radius: 50%;
      background: linear-gradient(135deg, var(--maroon) 0%, var(--gold) 100%);
      margin: 0 auto 12px;
      display: flex;
      align-items: center;
      justify-content: center;
      color: #fff;
      font-family: var(--font-display);
      font-size: 22px;
      font-weight: 700;
    }

    .dir-name {
      font-family: var(--font-display);
      font-size: 13.5px;
      font-weight: 600;
      color: var(--maroon-dark);
      margin-bottom: 3px;
      line-height: 1.3;
      transition: color .3s;
    }

    .dir-role {
      font-size: 10.5px;
      color: var(--gray-soft);
      font-weight: 500;
    }

    .dir-badge {
      display: inline-block;
      margin-top: 8px;
      font-size: 9px;
      font-weight: 700;
      letter-spacing: .06em;
      color: var(--gold);
      background: rgba(201, 150, 26, .1);
      padding: 2px 9px;
      border-radius: 100px;
      text-transform: uppercase;
    }

    /* ── NEWS ───────────────────────────────────────────────── */
    .news {
      /* background: var(--bg-section); */
      background: var(--surface);
    }

    .news-grid {
      display: grid;
      grid-template-columns: 2fr 1fr;
      gap: 22px;
      align-items: start;
    }

    .news-main {
      background: var(--surface);
      border-radius: var(--radius);
      overflow: hidden;
      border: 1px solid var(--gray-border);
      box-shadow: var(--shadow-card);
      transition: all .3s;
      text-decoration: none;
      display: block;
      color: inherit;
    }

    .news-main:hover {
      transform: translateY(-4px);
      box-shadow: var(--shadow-hover);
    }

    .news-banner {
      background: linear-gradient(135deg, var(--maroon-dark) 0%, var(--maroon) 100%);
      height: 170px;
      display: flex;
      align-items: center;
      justify-content: center;
      color: var(--gold);
      font-size: 48px;
      position: relative;
      overflow: hidden;
    }

    .news-banner::before {
      content: '';
      position: absolute;
      inset: 0;
      background: radial-gradient(circle at 80% 20%, rgba(201, 150, 26, .2), transparent 50%);
    }

    .news-body {
      padding: 22px;
    }

    .news-date {
      font-size: 10px;
      font-weight: 600;
      letter-spacing: .08em;
      text-transform: uppercase;
      color: var(--gold);
      margin-bottom: 8px;
    }

    .news-body h3 {
      font-family: var(--font-display);
      font-size: 19px;
      font-weight: 700;
      color: var(--maroon-dark);
      line-height: 1.3;
      margin-bottom: 10px;
      transition: color .3s;
    }

    .news-body p {
      font-size: 12.5px;
      line-height: 1.65;
      color: var(--gray-soft);
    }

    .news-sidebar {
      display: flex;
      flex-direction: column;
      gap: 13px;
    }

    .news-item {
      background: var(--surface);
      border-radius: var(--radius);
      padding: 16px;
      border: 1px solid var(--gray-border);
      transition: all .3s;
      cursor: pointer;
      display: flex;
      align-items: flex-start;
      gap: 12px;
    }

    .news-item:hover {
      transform: translateX(4px);
      border-color: rgba(139, 26, 46, .2);
      box-shadow: var(--shadow-card);
    }

    .news-item-icon {
      width: 36px;
      height: 36px;
      border-radius: 7px;
      background: rgba(139, 26, 46, .08);
      display: flex;
      align-items: center;
      justify-content: center;
      flex-shrink: 0;
      color: var(--maroon);
    }

    .news-item h4 {
      font-size: 12px;
      font-weight: 600;
      color: var(--ink);
      line-height: 1.4;
      margin-bottom: 3px;
    }

    .news-item span {
      font-size: 10.5px;
      color: var(--gray-soft);
    }

    /* ── CTA ────────────────────────────────────────────────── */
    .cta {
      background: linear-gradient(135deg, var(--maroon-dark) 0%, var(--maroon) 100%);
      position: relative;
      overflow: hidden;
    }

    .cta::before {
      content: '';
      position: absolute;
      top: -100px;
      right: -100px;
      width: 360px;
      height: 360px;
      border-radius: 50%;
      background: rgba(201, 150, 26, .12);
    }

    .cta::after {
      content: '';
      position: absolute;
      bottom: -80px;
      left: -80px;
      width: 260px;
      height: 260px;
      border-radius: 50%;
      background: rgba(255, 255, 255, .04);
    }

    .cta-inner {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 64px;
      align-items: center;
      position: relative;
    }

    .cta h2 {
      font-family: var(--font-display);
      font-size: clamp(24px, 3vw, 38px);
      font-weight: 700;
      color: #fff;
      line-height: 1.15;
      margin-bottom: 12px;
    }

    .cta h2 em {
      font-style: normal;
      color: var(--gold-light);
    }

    .cta p {
      color: rgba(255, 255, 255, .7);
      font-size: 13.5px;
      line-height: 1.7;
      margin-bottom: 26px;
    }

    .cta-btn {
      display: inline-flex;
      align-items: center;
      gap: 7px;
      padding: 12px 26px;
      background: var(--gold);
      color: #fff;
      border-radius: 10px;
      font-size: 14px;
      font-weight: 700;
      cursor: pointer;
      transition: all .25s;
      text-decoration: none;
      border: none;
      font-family: var(--font-body);
    }

    .cta-btn:hover {
      background: var(--gold-light);
      transform: translateY(-2px);
      box-shadow: 0 8px 32px rgba(201, 150, 26, .4);
    }

    .contact-card {
      background: rgba(255, 255, 255, .08);
      backdrop-filter: blur(10px);
      border: 1px solid rgba(255, 255, 255, .12);
      border-radius: 16px;
      padding: 28px;
    }

    .contact-row {
      display: flex;
      align-items: flex-start;
      gap: 13px;
      margin-bottom: 18px;
    }

    .contact-row:last-child {
      margin-bottom: 0;
    }

    .contact-icon {
      width: 40px;
      height: 40px;
      border-radius: 9px;
      background: rgba(201, 150, 26, .2);
      display: flex;
      align-items: center;
      justify-content: center;
      flex-shrink: 0;
      color: var(--gold-light);
    }

    .contact-label {
      font-size: 9.5px;
      font-weight: 600;
      letter-spacing: .08em;
      text-transform: uppercase;
      color: rgba(255, 255, 255, .5);
      margin-bottom: 2px;
    }

    .contact-val {
      font-size: 13.5px;
      color: #fff;
      font-weight: 500;
      line-height: 1.5;
    }

    .contact-val a {
      color: #fff;
      text-decoration: none;
    }

    /* ── FOOTER ─────────────────────────────────────────────── */
    footer {
      background: var(--ink);
      color: rgba(255, 255, 255, .6);
      padding: 56px 0 0;
      transition: background .3s;
    }

    .footer-inner {
      max-width: 1340px;
      margin: auto;
      padding: 0 24px;
    }

    .footer-grid {
      display: grid;
      grid-template-columns: 2fr 1fr 1fr 1fr;
      gap: 36px;
      padding-bottom: 40px;
      border-bottom: 1px solid rgba(255, 255, 255, .08);
    }

    .footer-logo-name {
      font-family: var(--font-display);
      font-size: 16px;
      font-weight: 700;
      color: #fff;
      margin-bottom: 10px;
    }

    .footer-brand p {
      font-size: 12px;
      line-height: 1.7;
      max-width: 240px;
      margin-bottom: 18px;
    }

    .dicgc-badge {
      display: inline-flex;
      align-items: center;
      gap: 7px;
      background: rgba(201, 150, 26, .15);
      border: 1px solid rgba(201, 150, 26, .2);
      border-radius: 7px;
      padding: 5px 11px;
    }

    .dicgc-badge i {
      color: var(--gold-light);
    }

    .dicgc-badge span {
      font-size: 10px;
      font-weight: 600;
      color: var(--gold-light);
    }

    .footer-social {
      display: flex;
      gap: 7px;
      margin-top: 16px;
    }

    .footer-social a {
      width: 32px;
      height: 32px;
      border-radius: 7px;
      border: 1px solid rgba(255, 255, 255, .12);
      display: flex;
      align-items: center;
      justify-content: center;
      color: rgba(255, 255, 255, .45);
      font-size: 12px;
      transition: all .2s;
      text-decoration: none;
    }

    .footer-social a:hover {
      background: var(--maroon);
      border-color: var(--maroon);
      color: #fff;
    }

    .footer-col h4 {
      font-size: 11.5px;
      font-weight: 700;
      color: #fff;
      letter-spacing: .04em;
      margin-bottom: 16px;
    }

    .footer-col ul {
      list-style: none;
      display: flex;
      flex-direction: column;
      gap: 8px;
    }

    .footer-col ul li a {
      font-size: 12px;
      color: rgba(255, 255, 255, .45);
      text-decoration: none;
      transition: color .2s;
    }

    .footer-col ul li a:hover {
      color: var(--gold-light);
    }

    .footer-bottom {
      padding: 16px 0;
      display: flex;
      align-items: center;
      justify-content: space-between;
      font-size: 11px;
      color: rgba(255, 255, 255, .28);
      flex-wrap: wrap;
      gap: 6px;
    }

    /* ── GSAP INIT ──────────────────────────────────────────── */
    .g-fade {
      opacity: 0;
      transform: translateY(30px);
    }

    .g-left {
      opacity: 0;
      transform: translateX(-40px);
    }

    .g-right {
      opacity: 0;
      transform: translateX(40px);
    }

    .g-scale {
      opacity: 0;
      transform: scale(.93);
    }

    /* ── RESPONSIVE ─────────────────────────────────────────── */
    @media(max-width:1200px) {
      .services-grid {
        grid-template-columns: repeat(3, 1fr);
      }

      .directors-grid {
        grid-template-columns: repeat(4, 1fr);
      }

      .footer-grid {
        grid-template-columns: 1fr 1fr;
        gap: 28px;
      }
    }

    @media(max-width:960px) {
      .services-grid {
        grid-template-columns: repeat(2, 1fr);
      }

      .hero-inner {
        grid-template-columns: 1fr;
      }

      .hero-visual {
        display: none;
      }

      .hero {
        min-height: auto;
        padding: 56px 0 44px;
      }

      .about-inner {
        grid-template-columns: 1fr;
        gap: 44px;
      }

      .about-visual {
        max-width: 460px;
        margin: 0 auto;
      }

      .cta-inner {
        grid-template-columns: 1fr;
        gap: 36px;
      }

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

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

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

      .directors-grid {
        grid-template-columns: repeat(3, 1fr);
      }

      .nav-links,
      .nav-cta {
        display: none;
      }

      .hamburger-btn {
        display: flex;
      }

      .topbar-contact .tb-loc {
        display: none;
      }
    }

    @media(max-width:640px) {
      .topbar-contact {
        display: none;
      }

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

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

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

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

      .footer-bottom {
        flex-direction: column;
        text-align: center;
      }

      section {
        padding: 56px 0;
      }

      .section-header {
        margin-bottom: 36px;
      }

      .hero-actions {
        flex-direction: column;
        align-items: flex-start;
      }

      .btn-hero {
        width: 100%;
        justify-content: center;
      }

      .hero-stats {
        gap: 18px;
      }

      .cta-inner {
        gap: 28px;
      }

      .acc-toolbar {
        bottom: 76px;
        right: 14px;
      }

      .acc-panel {
        width: 220px;
      }

      .scroll-top {
        bottom: 18px;
        right: 14px;
      }
    }

    @media(max-width:420px) {
      .directors-grid {
        grid-template-columns: 1fr 1fr;
      }
    }

    .about-sec {
      background: var(--surface);
    }

    .rates-sec {
      background: var(--surface);
    }

    .directors-sec {
      background: var(--bg-section);
    }