*, *::before, *::after { margin: 0; padding: 0; box-sizing: border-box; }

    :root {
      --teal: #0D9B8C;
      --teal-dark: #0A7D70;
      --teal-darker: #065C53;
      --dark-cyan: #008080;
      --dark: #0F2B2A;
      --dark-grey-blue: #212124;
      --dark-bg: #0C2322;
      --white: #FFFFFF;
      --off-white: #F7FAFA;
      --gray-50: #F0F5F5;
      --gray-100: #E0EAEA;
      --gray-200: #C2D4D3;
      --gray-500: #6B8A88;
      --gray-700: #3A5554;
      --text-primary: #1A1A1A;
      --text-secondary: #4A6463;
      --accent-yellow: #F5C842;
      --radius-sm: 8px;
      --radius-md: 12px;
      --radius-lg: 16px;
      --radius-xl: 24px;
      --shadow-sm: 0 1px 3px rgba(0,0,0,0.08);
      --shadow-md: 0 4px 12px rgba(0,0,0,0.1);
      --shadow-lg: 0 8px 30px rgba(0,0,0,0.12);
      --shadow-xl: 0 16px 50px rgba(0,0,0,0.15);
    }

    html { scroll-behavior: smooth; }

    body {
      font-family: 'DM Sans', sans-serif;
      color: var(--text-primary);
      background: var(--white);
      line-height: 1.6;
      overflow-x: hidden;
    }

    h1, h2, h3, h4, h5 {
      font-family: 'Plus Jakarta Sans', sans-serif;
      line-height: 1.15;
    }

    a { text-decoration: none; color: inherit; }
    button { cursor: pointer; border: none; font-family: inherit; }
    input, textarea, select { font-family: inherit; }

    .container {
      max-width: 1200px;
      margin: 0 auto;
      padding: 0 24px;
    }

    /* ===== NAVBAR ===== */
    .navbar {
      position: fixed;
      top: 0; left: 0; right: 0;
      z-index: 1000;
      background: rgba(255,255,255,0.95);
      backdrop-filter: blur(12px);
      border-bottom: 1px solid rgba(0,0,0,0.05);
      transition: box-shadow 0.3s;
    }
    .navbar.scrolled { box-shadow: var(--shadow-md); }

    .navbar .container {
      display: flex;
      align-items: center;
      justify-content: space-between;
      height: 72px;
    }

    .logo {
      font-family: 'Plus Jakarta Sans', sans-serif;
      font-size: 1.5rem;
      font-weight: 800;
      color: var(--dark);
      letter-spacing: -0.5px;
    }
    .logo span { color: var(--teal); }
    .logo small {
      display: block;
      font-size: 0.55rem;
      font-weight: 500;
      color: var(--gray-500);
      letter-spacing: 1.5px;
      text-transform: uppercase;
      margin-top: -4px;
    }

    .nav-links {
      display: flex;
      align-items: center;
      gap: 36px;
      list-style: none;
    }
    .nav-links a {
      font-size: 0.925rem;
      font-weight: 500;
      color: var(--text-secondary);
      transition: color 0.2s;
    }
    .nav-links a:hover { color: var(--teal); }

    .nav-actions { display: flex; align-items: center; gap: 12px; }

    .btn-normal {
      background: none;
      color: var(--text-primary);
      font-weight: 600;
      font-size: 0.925rem;
      padding: 8px 20px;
      border-radius: var(--radius-sm);
      transition: background 0.2s;
    }
    .btn-normal:hover { background: var(--gray-50); }

    .btn-login {
      background: var(--teal-dark);
      color: var(--off-white);
      font-weight: 600;
      font-size: 0.925rem;
      padding: 10px 24px;
      border-radius: var(--radius-sm);
      transition: all 0.2s;
    }
    .btn-login:hover { background: var(--teal-dark); transform: translateY(-1px); }

    .btn-signup {
      background: var(--teal);
      color: var(--white);
      font-weight: 600;
      font-size: 0.925rem;
      padding: 10px 24px;
      border-radius: var(--radius-sm);
      transition: all 0.2s;
    }
    .btn-signup:hover { background: var(--teal-dark); transform: translateY(-1px); }

    /* Mobile menu */
    .hamburger {
      display: none;
      flex-direction: column;
      gap: 5px;
      background: none;
      padding: 4px;
    }
    .hamburger span {
      width: 24px; height: 2px;
      background: var(--dark);
      border-radius: 2px;
      transition: all 0.3s;
    }

    /* ===== HERO ===== */
    .hero {
      padding: 140px 0 80px;
      /* background: linear-gradient(135deg, #E8F5F3 0%, #F0FAF8 40%, #F7FAFA 100%); */
      position: relative;
      overflow: hidden;
      background-color: var(--dark-cyan);
    }
    .hero::before {
      content: '';
      position: absolute;
      top: -200px; right: -200px;
      width: 600px; height: 600px;
      background: radial-gradient(circle, rgba(13,155,140,0.06) 0%, transparent 70%);
      border-radius: 50%;
    }
    .hero::after {
      content: '';
      position: absolute;
      bottom: -100px; left: -100px;
      width: 400px; height: 400px;
      background: radial-gradient(circle, rgba(13,155,140,0.04) 0%, transparent 70%);
      border-radius: 50%;
    }

    .hero .container {
      display: flex;
      align-items: center;
      justify-content: space-between;
      gap: 60px;
      position: relative;
      z-index: 1;
    }

    .hero-content { max-width: 540px; }

    .hero-content h1 {
      font-size: 3.5rem;
      font-weight: 800;
      /* color: var(--dark); */
      color: white;
      margin-bottom: 20px;
      letter-spacing: -1.5px;
    }
    .hero-content h1 em {
      font-style: normal;
      color: var(--teal);
    }

    .hero-content p {
      font-size: 1.1rem;
      /* color: var(--text-secondary); */
      color: white;
      margin-bottom: 32px;
      max-width: 440px;
      line-height: 1.7;
    }

    .btn-explore {
      display: inline-flex;
      align-items: center;
      gap: 8px;
      background: var(--dark);
      color: var(--white);
      font-weight: 600;
      font-size: 1rem;
      padding: 14px 32px;
      border-radius: 50px;
      transition: all 0.3s;
    }
    .btn-explore:hover { background: var(--teal-darker); transform: translateY(-2px); box-shadow: var(--shadow-lg); }
    .btn-explore svg { transition: transform 0.3s; }
    .btn-explore:hover svg { transform: translateX(4px); }

    /* Rate Calculator Card */
    .rate-card {
      background: var(--white);
      border-radius: var(--radius-lg);
      padding: 32px;
      box-shadow: var(--shadow-xl);
      width: 400px;
      flex-shrink: 0;
    }
    .rate-card h3 {
      font-size: 1.1rem;
      font-weight: 700;
      color: var(--dark);
      margin-bottom: 24px;
      text-align: center;
    }

    .rate-card-field {
      margin-bottom: 16px;
    }
    .rate-card-field label {
      display: block;
      font-size: 0.8rem;
      font-weight: 500;
      color: var(--gray-500);
      margin-bottom: 6px;
    }
    .rate-card-input {
      display: flex;
      align-items: center;
      background: var(--gray-50);
      border: 1.5px solid var(--gray-100);
      border-radius: var(--radius-sm);
      overflow: hidden;
      transition: border-color 0.2s;
    }
    .rate-card-input:focus-within { border-color: var(--teal); }
    .rate-card-input input {
      flex: 1;
      border: none;
      background: none;
      padding: 14px 16px;
      font-size: 1.15rem;
      font-weight: 600;
      color: var(--dark);
      outline: none;
    }
    .rate-card-input .currency-badge {
      display: flex;
      align-items: center;
      gap: 6px;
      /* padding: 0px; */
      padding-left: 20px;
      font-weight: 600;
      font-size: 0.9rem;
      color: var(--dark);
      background: var(--gray-100);
      height: 100%;
      min-height: 48px;
    }

    select {
      display: flex;
      align-items: center;
      gap: 6px;
      /* padding: 0px; */
      padding-right: 10px;
      font-weight: 600;
      font-size: 0.9rem;
      color: var(--dark);
      background: var(--gray-100);
      height: 100%;
      min-height: 48px;
      border-color: var(--gray-100);
      margin-left: -40px;
    }

    .currency-flag {
      width: 24px; height: 16px;
      border-radius: 2px;
      object-fit: cover;
    }

    .rate-info {
      display: flex;
      justify-content: space-between;
      padding: 12px 0;
      margin: 8px 0 20px;
      border-top: 1px dashed var(--gray-200);
      /* border-bottom: 1px dashed var(--gray-200); */
    }
    .rate-info div {
      text-align: left;
    }
    .rate-info label {
      display: block;
      font-size: 0.75rem;
      color: var(--gray-500);
      margin-bottom: 2px;
    }
    .rate-info .value {
      font-weight: 700;
      font-size: 0.95rem;
      color: var(--teal-dark);
    }

    .btn-send-now {
      width: 100%;
      background: var(--teal);
      color: var(--white);
      font-weight: 700;
      font-size: 1rem;
      padding: 14px;
      border-radius: var(--radius-sm);
      transition: all 0.2s;
    }
    .btn-send-now:hover { background: var(--teal-dark); transform: translateY(-1px); box-shadow: var(--shadow-md); }

    /* ===== SECTION STYLES ===== */
    .section { padding: 100px 0; }
    .section-dark { background: var(--dark-bg); color: var(--white); }

    .section-header {
      text-align: center;
      max-width: 640px;
      margin: 0 auto 60px;
    }
    .section-header h2 {
      font-size: 2.5rem;
      font-weight: 800;
      margin-bottom: 16px;
      letter-spacing: -1px;
    }
    .section-header p {
      font-size: 1.05rem;
      color: var(--text-secondary);
      line-height: 1.7;
    }
    .section-dark .section-header p { color: var(--gray-200); }

    /* ===== WHY BOLD.REMIT ===== */
    .why-section {
      background: var(--white);
    }
    .why-section .section-header h2 span { color: var(--teal); }

    .why-text {
      max-width: 720px;
      margin: 0 auto;
      text-align: center;
      font-size: 1rem;
      color: var(--text-secondary);
      line-height: 1.8;
    }

    /* ===== OUR VALUE ===== */
    .value-section { background: var(--off-white); }

    .value-grid {
      display: grid;
      grid-template-columns: repeat(3, 1fr);
      gap: 24px;
      margin-bottom: 40px;
    }

    .value-card {
      background: var(--white);
      border-radius: var(--radius-lg);
      padding: 32px 28px;
      transition: all 0.3s;
      border: 1px solid var(--gray-100);
      position: relative;
      overflow: hidden;
      text-align: center;
    }
    .value-card:hover {
      transform: translateY(-4px);
      box-shadow: var(--shadow-lg);
      border-color: var(--teal);
    }

    .value-card-icon {
      width: 56px; height: 56px;
      background: linear-gradient(135deg, var(--teal), var(--teal-dark));
      border-radius: var(--radius-md);
      display: flex;
      align-items: center;
      justify-content: center;
      margin-bottom: 20px;
    }
    .value-card-icon svg { width: 28px; height: 28px; color: var(--white); }

    .value-card h4 {
      font-size: 1.1rem;
      font-weight: 700;
      color: var(--dark);
      margin-bottom: 10px;
    }
    .value-card p {
      font-size: 0.9rem;
      color: var(--text-secondary);
      line-height: 1.6;
    }

    .concierge-link {
      text-align: center;
      margin-top: 16px;
    }
    .concierge-link a {
      color: var(--teal);
      font-weight: 600;
      font-size: 0.95rem;
      display: inline-flex;
      align-items: center;
      gap: 6px;
      transition: gap 0.3s;
    }
    .concierge-link a:hover { gap: 10px; }

    /* ===== TRUSTED SECTION ===== */
    .trusted-section {
      background: var(--white);
      text-align: center;
    }

    .trusted-badge {
      display: inline-flex;
      align-items: center;
      gap: 32px;
      background: var(--gray-50);
      border: 2px solid var(--gray-100);
      border-radius: var(--radius-xl);
      padding: 40px 60px;
      margin-top: 20px;
    }

    .bnm-logo {
      width: 90px;
      height: 90px;
      background: var(--white);
      border-radius: 50%;
      display: flex;
      align-items: center;
      justify-content: center;
      border: 2px solid var(--gray-100);
    }
    .bnm-logo svg { width: 50px; height: 50px; color: var(--dark); }

    .trusted-text { text-align: left; }
    .trusted-text h4 {
      font-size: 1.2rem;
      font-weight: 700;
      color: var(--dark);
      margin-bottom: 4px;
    }
    .trusted-text a {
      color: var(--teal);
      font-size: 0.9rem;
      font-weight: 500;
    }
    .trusted-text a:hover { text-decoration: underline; }

    /* ===== CTA SECTION ===== */
    .cta-section {
      background: var(--dark-bg);
      position: relative;
      overflow: hidden;
    }
    .cta-section::before {
      content: '';
      position: absolute;
      top: -50%; right: -20%;
      width: 600px; height: 600px;
      background: radial-gradient(circle, rgba(13,155,140,0.15) 0%, transparent 70%);
      border-radius: 50%;
    }

    .cta-section .container {
      display: flex;
      gap: 40px;              /* space between them */
      align-items: center;    /* vertical alignment */
      justify-content: space-between;
    }

    .cta-content {
        flex: 1;                /* each takes equal width */
    }

    .cta-content {
      max-width: 600px;
      position: relative;
      z-index: 1;
    }

    .cta-content h2 {
      font-size: 2.8rem;
      font-weight: 800;
      color: var(--white);
      margin-bottom: 20px;
      letter-spacing: -1px;
      line-height: 1.1;
    }
    .cta-content p {
      color: var(--gray-200);
      font-size: 1.05rem;
      margin-bottom: 32px;
      line-height: 1.7;
    }

    .btn-cta {
      display: inline-flex;
      align-items: center;
      gap: 8px;
      background: var(--teal);
      color: var(--white);
      font-weight: 700;
      font-size: 1rem;
      padding: 16px 36px;
      border-radius: 50px;
      transition: all 0.3s;
    }
    .btn-cta:hover { background: var(--teal-dark); transform: translateY(-2px); box-shadow: 0 8px 24px rgba(13,155,140,0.3); }

    /* ===== FAQ SECTION ===== */
    .faq-section { background: var(--off-white); }

    .faq-grid {
      display: grid;
      grid-template-columns: repeat(2, 1fr);
      gap: 20px;
    }

    .faq-item {
      border: 1px solid #ccc;
      border-radius: var(--radius-md);
      padding: 10px;
      margin-bottom: 10px;
    }

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

    .faq-toggle {
      font-weight: bold;
      font-size: 20px;
      transition: transform 0.3s ease;
    }

    .faq-content {
      height: 0;
      overflow: hidden;
      transition: height 0.3s ease;
      margin-top: 5px;
    }

    .faq-item:hover {
      border-color: var(--teal);
      box-shadow: var(--shadow-sm);
    }

    .faq-item-header {
      display: flex;
      align-items: flex-start;
      gap: 14px;
      margin-bottom: 12px;
    }

    .faq-number {
      width: 32px; height: 32px;
      background: var(--teal);
      color: var(--white);
      border-radius: 50%;
      display: flex;
      align-items: center;
      justify-content: center;
      font-size: 0.8rem;
      font-weight: 700;
      flex-shrink: 0;
    }

    .faq-item h4 {
      font-size: 0.95rem;
      font-weight: 700;
      color: var(--dark);
      line-height: 1.4;
    }

    .faq-item p {
      font-size: 0.875rem;
      color: var(--text-secondary);
      line-height: 1.6;
      padding-left: 46px;
    }

    /* ===== CONTACT SECTION ===== */

    .contact-section .container {
      display: flex;
      align-items: center;     /* vertical alignment */
      justify-content: space-between;
      gap: 60px;               /* spacing between form & image */
    }

    .contact-wrapper {
      flex: 1;                 /* each takes equal width */
    }

    .contact-section {
      background: var(--white);
      position: relative;
    }

    .contact-wrapper img {
      width: 100%;
      max-width: 500px;
      height: auto;
      border-radius: var(--radius-lg);
    }

    .contact-wrapper {
      max-width: 600px;
      margin: 0 auto;
      text-align: center;
    }

    .contact-wrapper h2 {
      font-size: 2.4rem;
      font-weight: 800;
      color: var(--dark);
      margin-bottom: 8px;
      letter-spacing: -1px;
    }
    .contact-wrapper > p {
      color: var(--text-secondary);
      margin-bottom: 40px;
      font-size: 1rem;
    }

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

    .contact-form input,
    .contact-form textarea {
      width: 100%;
      background: var(--gray-50);
      border: 1.5px solid var(--gray-100);
      border-radius: var(--radius-sm);
      padding: 14px 16px;
      font-size: 0.95rem;
      color: var(--dark);
      outline: none;
      transition: border-color 0.2s;
    }
    .contact-form input::placeholder,
    .contact-form textarea::placeholder {
      color: var(--gray-500);
    }
    .contact-form input:focus,
    .contact-form textarea:focus {
      border-color: var(--teal);
      background: var(--white);
    }

    .contact-form textarea { resize: vertical; min-height: 100px; }

    .form-note {
      font-size: 0.8rem;
      color: var(--gray-500);
      margin-top: 12px;
    }
    .form-note a { color: var(--teal); text-decoration: underline; }

    .btn-submit {
      width: 100%;
      background: var(--teal);
      color: var(--white);
      font-weight: 700;
      font-size: 1rem;
      padding: 16px;
      border-radius: var(--radius-sm);
      margin-top: 20px;
      transition: all 0.2s;
    }
    .btn-submit:hover { background: var(--teal-dark); transform: translateY(-1px); }

    /* ===== FOOTER ===== */
    .footer {
      background: var(--dark-grey-blue);
      border-top: 1px solid var(--gray-100);
      padding: 48px 0 32px;
    }

    .footer-top {
      display: flex;
      justify-content: space-between;
      align-items: flex-start;
      margin-bottom: 32px;
    }

    .footer-brand .logo { margin-bottom: 4px; }

    .footer-location h5 {
      font-size: 0.85rem;
      font-weight: 600;
      color: white;
      margin-bottom: 8px;
    }
    .footer-location p {
      font-size: 0.825rem;
      color: var(--gray-50);
      line-height: 1.6;
    }

    .footer-social h5 {
      font-size: 0.85rem;
      font-weight: 600;
      color: var(--dark);
      margin-bottom: 10px;
    }
    .footer-social-links {
      display: flex;
      gap: 10px;
    }
    .footer-social-links a {
      width: 36px; height: 36px;
      background: var(--gray-50);
      border-radius: 50%;
      display: flex;
      align-items: center;
      justify-content: center;
      transition: all 0.2s;
    }
    .footer-social-links a:hover { background: var(--teal); color: var(--white); }
    .footer-social-links a svg { width: 16px; height: 16px; }

    .footer-agent {
      text-align: center;
      padding: 20px 0;
      border-top: 1px solid var(--gray-100);
      font-size: 0.78rem;
      color: var(--gray-50);
      line-height: 1.7;
    }
    .footer-agent a { color: var(--teal); }

    .footer-bottom {
      display: flex;
      justify-content: space-between;
      align-items: center;
      padding-top: 16px;
      border-top: 1px solid var(--gray-100);
      font-size: 0.8rem;
      color: var(--gray-50);
    }
    .footer-bottom-links { display: flex; gap: 24px; }
    .footer-bottom-links a { color: var(--gray-50); transition: color 0.2s; }
    .footer-bottom-links a:hover { color: var(--teal); }

    .select2-container--default .select2-selection--single {
        /* height: 48px;
        border-radius: 8px;
        border: 1.5px solid #E0EAEA;
        display: flex; */
        align-items: center;
        gap: 6px;
        /* padding: 0px; */
        /* padding-right: 10px; */
        font-weight: 600;
        font-size: 0.9rem;
        color: var(--dark);
        /* height: 100%; */
        min-height: 48px;
        background: var(--gray-100);
        width: 100%;
        /* border-color: var(--gray-100); */
        /* border-width: 0px; */
        /* margin-left: -40px; */
    }

    .select2-selection__rendered {
        /* display: flex !important; */
        /* align-items: center;
        gap: 8px; */
        height: 48px;
        margin-top: -0.5px;
        margin-left: -0.5px;
        /* border-radius: 8px; */
        border: 1.5px solid var(--gray-100);
        display: flex;
        color: var(--dark);
        background: var(--gray-100);
        /* border-color: var(--gray-100); */
        font-weight: 600;
        font-size: 0.9rem;
        padding-top: 10px;
        /* border-width: 0px; */
    }

    /* ===== ANIMATIONS ===== */
    @keyframes fadeInUp {
      from { opacity: 0; transform: translateY(30px); }
      to { opacity: 1; transform: translateY(0); }
    }

    .animate-in {
      opacity: 0;
      transform: translateY(30px);
      transition: opacity 0.6s ease, transform 0.6s ease;
    }
    .animate-in.visible {
      opacity: 1;
      transform: translateY(0);
    }

    .hero-content { animation: fadeInUp 0.8s ease forwards; }
    .rate-card { animation: fadeInUp 0.8s ease 0.2s forwards; opacity: 0; }

    
    .faq-item {
      border: 1px solid #ccc;
      padding: 10px;
      margin-bottom: 10px;
    }

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

    .faq-toggle {
      font-weight: bold;
      font-size: 20px;
      transition: transform 0.3s ease;
    }

    .faq-content {
      height: 0;
      overflow: hidden;
      transition: height 0.3s ease;
      margin-top: 5px;
    }


    /* Active state */
    .faq-item.active .faq-content {
      max-height: 200px; /* adjust as needed */
    }

    .faq-item.active .faq-toggle {
      transform: rotate(180deg); /* optional rotation effect */
    }


    /* COMPARE */

    /* hero2 */
    .hero2 {
        background: var(--off-white);
        padding: 56px 20px 130px;
        text-align: center;
        padding-bottom: 30px;
    }

    .hero2 h2 {
        font-size: clamp(26px, 5vw, 48px);
        font-weight: 900;
        margin-bottom: 14px;
        letter-spacing: -0.03em;
        line-height: 1.05;
    }

    .hero2 p {
        font-size: 15px;
        color: #334155;
        line-height: 1.65;
        margin-bottom: 24px;
    }

    .hero2-btns {
        gap: 16px;
        justify-content: center;
        flex-wrap: wrap;
    }

    .btn-dark {
        background: #0f172a;
        color: #fff;
        padding: 13px 30px;
        border-radius: 28px;
        font-size: 14px;
        font-weight: 700;
        text-decoration: none;
        display: flex;

    }

    .link-dark {
        color: #0f172a;
        font-size: 14px;
        font-weight: 600;
        text-decoration: underline;
        text-underline-offset: 3px;
        align-items: center;
        display: flex;

    }

    /* CARD */
    .card-wrap {
        max-width: 1080px;
        margin: -80px auto 0;
        padding: 0 14px;
        position: relative;
        z-index: 2;
        padding-top: 130px;
    }

    .card {
        background: #fff;
        border-radius: 22px;
        box-shadow: 0 2px 32px rgba(0, 0, 0, 0.07), 0 0.5px 2px rgba(0, 0, 0, 0.04);
        padding: 28px 24px 20px;
    }

    /* INPUTS */
    .input-row {
        display: grid;
        grid-template-columns: 1fr 1.3fr 1.3fr;
        gap: 10px;
        margin-bottom: 24px;
    }

    .input-grp {
        display: flex;
        flex-direction: column;
        gap: 5px;
    }

    .input-grp label {
        font-size: 13px;
        font-weight: 600;
        color: #374151;
    }

    .input-box {
        border: 1.5px solid #d1d5db;
        border-radius: 10px;
        padding: 11px 14px;
    }

    .input-box input {
        border: none;
        outline: none;
        font-size: 18px;
        font-weight: 700;
        width: 100%;
        font-family: 'Inter', sans-serif;
        background: transparent;
        color: #0f172a;
    }

    .sel-box {
        border: 1.5px solid #d1d5db;
        border-radius: 10px;
        padding: 11px 14px;
        display: flex;
        align-items: center;
        gap: 8px;
        cursor: pointer;
        user-select: none;
    }

    .sel-box .flag {
        font-size: 22px;
        line-height: 1;
    }

    .sel-box .code {
        font-size: 16px;
        font-weight: 700;
    }

    .sel-box .name {
        font-size: 13px;
        color: #6b7280;
        flex: 1;
        overflow: hidden;
        text-overflow: ellipsis;
        white-space: nowrap;
    }

    .sel-box .chev {
        font-size: 13px;
        color: #9ca3af;
    }

    /* DROPDOWN */
    .drop-wrap {
        position: relative;
    }

    .dropdown {
        position: absolute;
        top: 100%;
        left: 0;
        right: 0;
        background: #fff;
        border: 1.5px solid #e5e7eb;
        border-radius: 14px;
        box-shadow: 0 14px 44px rgba(0, 0, 0, 0.13);
        z-index: 200;
        max-height: 320px;
        overflow-y: auto;
        margin-top: 4px;
        display: none;
    }

    .dropdown.open {
        display: block;
    }

    .drop-item {
        padding: 10px 14px;
        display: flex;
        align-items: center;
        gap: 8px;
        cursor: pointer;
        font-size: 14px;
        transition: background 0.1s;
    }

    .drop-item:hover {
        background: #f0fdf4;
    }

    .drop-item.active {
        background: #ecfdf5;
    }

    .drop-item .di-flag {
        font-size: 20px;
    }

    .drop-item .di-code {
        font-weight: 700;
    }

    .drop-item .di-name {
        color: #6b7280;
        font-size: 13px;
    }

    /* GRID TABLE */
    .comp-grid {
        display: grid;
        grid-template-columns: 155px 1fr 1fr 1fr 1fr;
        gap: 0;
    }

    .label-col {
        display: flex;
        flex-direction: column;
    }

    .label-spacer {
        height: 100px;
    }

    .label-row {
        padding: 15px 6px 15px 0;
        border-bottom: 1px solid #f1f5f9;
        min-height: 54px;
        display: flex;
        flex-direction: column;
        justify-content: center;
    }

    .label-row.last {
        border-bottom: none;
    }

    .label-row .main {
        font-size: 14px;
        font-weight: 600;
        color: #374151;
    }

    .label-row .sub {
        font-size: 11.5px;
        color: #9ca3af;
        margin-top: 1px;
    }

    /* BR COLUMN */
    .br-col {
        background: var(--dark-cyan);
        border-radius: 16px;
        display: flex;
        flex-direction: column;
        text-align: center;
        padding: 0 10px;
        box-shadow: 0 2px 10px var(--teal-dark);
    }

    .br-head {
        padding: 14px 0 10px;
        display: flex;
        flex-direction: column;
        align-items: center;
        gap: 5px;
        height: 100px;
        justify-content: center;
    }

    .br-name {
        font-size: 14px;
        font-weight: 800;
        color: var(--white);
    }

    .br-cell {
        padding: 15px 4px;
        min-height: 54px;
        border-bottom: 1px solid rgba(0, 0, 0, 0.06);
        font-size: 14px;
        font-weight: 600;
        color: var(--white);
        display: flex;
        align-items: center;
        justify-content: center;
        gap: 3px;
    }

    .br-cell.big {
        font-size: 16px;
    }

    .br-cell.bold {
        font-weight: 800;
    }

    .br-cell.last {
        border-bottom: none;
    }

    .br-bank-name {
        font-size: 13px;
        font-weight: 700;
        color: var(--off-white);
    }

    /* BANK COLUMNS */
    .banks-multi-col {

    }

    .bank-col {
        display: flex;
        flex-direction: column;
        text-align: center;
        padding: 0 6px;
    }

    .bank-head {
        padding: 14px 0 10px;
        display: flex;
        flex-direction: column;
        align-items: center;
        gap: 5px;
        height: 100px;
        justify-content: center;
    }

    .bank-icon {
        width: 44px;
        height: 44px;
        border-radius: 22px;
        display: flex;
        align-items: center;
        justify-content: center;
        font-size: 18px;
        font-weight: 800;
    }

    .bank-name {
        font-size: 13px;
        font-weight: 700;
        color: #374151;
    }
    
    .bank-cell {
        padding: 15px 4px;
        min-height: 54px;
        border-bottom: 1px solid #f1f5f9;
        font-size: 14px;
        font-weight: 500;
        color: #374151;
        display: flex;
        align-items: center;
        justify-content: center;
        gap: 3px;
    }

    .bank-cell.red {
        color: #DC2626;
        font-size: 15px;
    }

    .bank-cell.bold {
        font-weight: 700;
    }

    .bank-cell.last {
        border-bottom: none;
    }

    /* RATE STATUS BADGES */
    .rate-badge {
        display: inline-flex;
        align-items: center;
        gap: 4px;
        font-size: 10px;
        font-weight: 700;
        padding: 2px 7px;
        border-radius: 6px;
        margin-top: 3px;
        letter-spacing: 0.02em;
    }

    .rate-badge.live {
        background: #dcfce7;
        color: #15803d;
    }

    .rate-badge.live::before {
        content: '';
        width: 6px;
        height: 6px;
        border-radius: 50%;
        background: #22c55e;
        animation: pulse-dot 1.5s infinite;
    }

    .rate-badge.est {
        background: #fef3c7;
        color: #b45309;
    }

    .rate-badge.est::before {
        content: '';
        width: 6px;
        height: 6px;
        border-radius: 50%;
        background: #f59e0b;
    }

    @keyframes pulse-dot {

        0%,
        100% {
            opacity: 1;
        }

        50% {
            opacity: 0.4;
        }
    }

    /* LOADING BAR */
    .loading-bar {
        text-align: center;
        padding: 40px 20px;
    }

    .loading-bar .spinner {
        display: inline-block;
        width: 28px;
        height: 28px;
        border: 3px solid #e5e7eb;
        border-top-color: #22c55e;
        border-radius: 50%;
        animation: spin 0.7s linear infinite;
    }

    @keyframes spin {
        to {
            transform: rotate(360deg);
        }
    }

    .loading-bar .msg {
        font-size: 14px;
        color: #6b7280;
        margin-top: 10px;
    }

    /* BOTTOM SECTIONS */
    .show-more {
        text-align: center;
        padding: 16px 0 4px;
        border-top: 1px solid #e5e7eb;
    }

    .show-more a {
        color: #374151;
        font-size: 14px;
        font-weight: 600;
        text-decoration: underline;
        text-underline-offset: 3px;
    }

    .savings {
        text-align: center;
        padding: 18px 0 8px;
        font-size: 15px;
        color: #374151;
    }

    .savings b {
        color: #16a34a;
    }

    .cta-wrap {
        text-align: center;
        padding: 4px 0 16px;
    }

    .cta-btn {
        display: inline-block;
        background: var(--dark-cyan);
        color: var(--white);
        padding: 15px 52px;
        border-radius: 30px;
        font-size: 16px;
        font-weight: 800;
        text-decoration: none;
        box-shadow: 0 2px 10px var(--teal-dark);
    }

    .foot-note {
        text-align: center;
        padding: 14px 0 0;
        border-top: 1px solid #f1f5f9;
        font-size: 12px;
        color: #9ca3af;
    }

    .foot-note a {
        color: #374151;
        font-weight: 600;
        text-decoration: underline;
        font-size: 12px;
    }

    .rate-src {
        text-align: center;
        padding: 8px 0 2px;
        font-size: 11px;
        color: #b0b8c4;
    }

    .rate-src a {
        color: #64748b;
        text-decoration: underline;
    }

    /* TRUST */
    .trust-wrap {
        max-width: 1080px;
        margin: 0 auto;
        /* padding: 44px 20px 56px; */
    }

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

    .trust-icon {
        width: 48px;
        height: 48px;
        border-radius: 12px;
        background: #f8fafc;
        display: flex;
        align-items: center;
        justify-content: center;
        margin-bottom: 10px;
        font-size: 24px;
    }

    .trust-title {
        font-size: 16px;
        font-weight: 800;
        color: #0f172a;
        margin: 0 0 5px;
    }

    .trust-desc {
        font-size: 14px;
        color: #6b7280;
        line-height: 1.55;
        margin: 0;
    }

        
    .promo-text {
        margin-left: 3px !important;
        /* font-size: 10px; */
        /* line-height: 10px; */
        text-align: center;
        padding: 4px 8px;
        /* margin-top: -6px; */
        color: #fff;
        border-radius: 100px;
        background-color: #752eff;
    }

    .bigdrop {
        width: 100px !important;
    }

    /* MODAL / POPUP */

        /* Button Style */
    .open-btn {
        padding: 15px 35px;
        font-size: 18px;
        border: none;
        border-radius: 50px;
        cursor: pointer;
        background: linear-gradient(135deg, #00c6ff, #0072ff);
        color: white;
        transition: 0.4s ease;
        box-shadow: 0 10px 25px rgba(0,0,0,0.3);
    }

    .open-btn:hover {
        transform: translateY(-5px);
        box-shadow: 0 15px 35px rgba(0,0,0,0.4);
    }

    /* Overlay */
    .overlay {
        position: fixed;
        top: 0;
        left: 0;
        width: 100%;
        height: 100%;
        background: rgba(0,0,0,0.5);
        backdrop-filter: blur(8px);
        display: flex;
        justify-content: center;
        align-items: center;
        opacity: 0;
        visibility: hidden;
        transition: 0.4s ease;
        z-index: 1000;
    }

    .overlay.active {
        opacity: 1;
        visibility: visible;
    }

    /* Modal */
    .modal {
        background: rgba(255, 255, 255, 0.1);
        backdrop-filter: blur(20px);
        padding: 40px;
        width: 60%;
        border-radius: 20px;
        text-align: left;
        color: white;
        box-shadow: 0 15px 40px rgba(0,0,0,0.4);
        transform: scale(0.7);
        opacity: 0;
        transition: 0.4s ease;
        position: relative;
    }

    .overlay.active .modal {
        transform: scale(1);
        opacity: 1;
    }

    .modal h2 {
        margin-bottom: 15px;
        font-size: 24px;
    }

    .modal p {
        font-size: 15px;
        opacity: 0.9;
        margin-bottom: 25px;
    }

    .modal button {
        padding: 12px 25px;
        border: none;
        border-radius: 30px;
        background: linear-gradient(135deg, #ff512f, #dd2476);
        color: white;
        font-size: 14px;
        cursor: pointer;
        transition: 0.3s ease;
    }

    .modal button:hover {
        transform: scale(1.1);
    }

    /* Close Icon */
    .close {
        position: absolute;
        top: 15px;
        right: 20px;
        font-size: 22px;
        cursor: pointer;
        opacity: 0.7;
        transition: 0.3s;
    }

    .close:hover {
        opacity: 1;
    }

    .scroll-indicator {
        display: none;
      }

    /* Responsive */
    @media(max-width: 400px){
        .modal {
            width: 90%;
            padding: 25px;
            margin-top: 40px;
            font-size: 12px;
            overflow-y: auto;
            max-height: 70vh;
            position: relative;
        }

        .scroll-indicator {
          display: block;
          position: sticky;
          bottom: 0;
          text-align: center;
          padding: 10px;
          font-size: 14px;
          background: var(--dark);
          color: #fff;
          cursor: pointer;
          animation: bounce 1.5s infinite;
        }

        @keyframes bounce {
          0%, 100% { transform: translateY(0); }
          50% { transform: translateY(-5px); }
        }
    }


    @media (max-width: 768px) {
        .input-row {
            grid-template-columns: 1fr;
        }

        .comp-grid {
            grid-template-columns: 100px 1fr 1fr 1fr 1fr;
            font-size: 12px;
            overflow: scroll;
        }

        .bank-name {
            font-size: 11px;
        }
        
        .trust-grid {
            grid-template-columns: 1fr;
        }
    }

    /* ===== RESPONSIVE ===== */
    @media (max-width: 1024px) {
      .hero .container { flex-direction: column; text-align: center; }
      .hero-content { max-width: 100%; }
      .hero-content p { max-width: 100%; margin-left: auto; margin-right: auto; }
      .hero-content h1 { font-size: 2.8rem; }
      .rate-card { width: 100%; max-width: 420px; }
      .value-grid { grid-template-columns: repeat(2, 1fr); }

      .select2-selection__rendered {
        margin-left: -40px;
      }

    }

    @media (max-width: 768px) {

    .input-row { grid-template-columns: 1fr; }
    .comp-grid { grid-template-columns: 100px 1fr 1fr 1fr 1fr; font-size: 12px; }
    .trust-grid { grid-template-columns: 1fr; }
    .hero2-btns { margin-bottom: 50px;}
    .cta-section .container {
      flex-direction: column;
      text-align: center;
    }
    
    .contact-section .container {
      flex-direction: column;
      text-align: center;
    }

    .contact-wrapper {
      width: 100%;
    }
      .nav-links { display: none; }
      .nav-actions {
        display: none;
        flex-direction: column;
        width: 100%;
        background: white;
        position: absolute;
        top: 70px;
        left: 0;
        padding: 20px;
        box-shadow: 0 4px 10px rgba(0,0,0,0.1);
      }

      .nav-links.active,
      .nav-actions.active {
        display: flex;
      }
      .hamburger { display: flex; }
      .hero { padding: 120px 0 60px; }
      .hero-content h1 { font-size: 2.2rem; }
      .section { padding: 70px 0; }
      .section-header h2 { font-size: 2rem; }
      .value-grid { grid-template-columns: 1fr; }
      .faq-grid { grid-template-columns: 1fr; }
      .cta-content h2 { font-size: 2.2rem; }
      .trusted-badge { flex-direction: column; text-align: center; padding: 32px; }
      .trusted-text { text-align: center; }
      .footer-top { flex-direction: column; gap: 28px; }
      .footer-bottom { flex-direction: column; gap: 12px; text-align: center; }
      .contact-wrapper h2 { font-size: 1.8rem; }
    }

    @media (max-width: 480px) {
      .hero-content h1 { font-size: 1.9rem; }
      .rate-card { padding: 24px 20px; }
      .btn-explore { padding: 12px 24px; font-size: 0.9rem; }
    }