:root{
  --bg:#eef3f8;
  --card:#ffffff;
  --text:#0f172a;
  --muted:#64748b;
  --blue:#0b5ea8;
  --blue2:#0a4f8c;
  --soft:#d8effa;
  --shadow: 0 10px 30px rgba(2, 6, 23, .12);
  --radius: 18px;
}

*{box-sizing:border-box}
html,body{margin:0;padding:0;font-family: system-ui, -apple-system, Segoe UI, Roboto, Arial, sans-serif;color:var(--text);background:var(--bg)}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}

.page{min-height:100vh;display:flex;flex-direction:column}
.main{padding:18px 0 28px}
.container{width:min(980px, 92vw);margin:0 auto}

/* HEADER */
.site-header{
  position:sticky; top:0; z-index:50;
  background:rgba(238,243,248,.92);
  backdrop-filter: blur(8px);
  border-bottom:1px solid rgba(15,23,42,.08);
}
.bar{display:flex;align-items:center;justify-content:space-between;padding:14px 0}
.brand{font-weight:800;letter-spacing:.2px;font-size:16px}
.brand small{font-weight:700;opacity:.6;margin-left:6px}

.header-right{display:flex;align-items:center;gap:10px}
.lang{display:flex;gap:8px}
.lang button{
  border:1px solid rgba(15,23,42,.12);
  background:#fff;
  padding:8px 12px;
  border-radius:999px;
  font-weight:700;
  font-size:12px;
}
.lang button.is-active{
  background:#111827;
  color:#fff;
  border-color:#111827;
}
.menu-btn{
  width:42px;height:38px;border-radius:999px;
  border:1px solid rgba(15,23,42,.12);
  background:#fff;font-size:18px;font-weight:800;
}

/* HERO */
.hero{position:relative;margin-top:14px}
.hero-slider{
  border-radius:24px;
  overflow:hidden;
  box-shadow: var(--shadow);
  background:#cbd5e1;
}
.hero-track{
  display:flex;
  transition: transform .55s ease;
  will-change: transform;
}
.hero-slide{min-width:100%;height:220px;background:#cbd5e1}
.hero-slide img{width:100%;height:220px;object-fit:cover}

.hero-dots{
  position:absolute;
  left:0; right:0; bottom:10px;
  display:flex;justify-content:center;gap:8px;
  pointer-events:auto;
}
.hero-dots button{
  width:8px;height:8px;border-radius:999px;border:0;
  background:rgba(255,255,255,.55);
}
.hero-dots button.is-active{background:#fff}

.hero-card{
  margin-top:-28px;
  background:rgba(255,255,255,.95);
  border-radius:24px;
  box-shadow: 0 14px 32px rgba(2,6,23,.12);
  padding:18px 18px 20px;
}
.crumb{color:var(--muted);font-size:14px;margin-bottom:8px}
.crumb span{color:var(--blue);font-weight:700}
.hero-card h1{margin:0;font-size:34px;letter-spacing:-.8px}
.hero-line{width:70px;height:3px;background:rgba(15,23,42,.25);border-radius:10px;margin:12px 0}
.hero-card p{margin:0;color:#334155;font-size:16px;line-height:1.45}

/* BANNERS */
.banner{
  margin-top:18px;
  border-radius:24px;
  box-shadow: var(--shadow);
  overflow:hidden;
  padding:26px 18px;
}
.banner-blue{background:linear-gradient(180deg, var(--blue), var(--blue2)); color:#fff}
.banner-blue h2{margin:0;font-size:28px;letter-spacing:-.6px;line-height:1.15}

.banner-light{background:#f8fafc}
.banner-light h2{margin:0 0 12px;font-size:30px;letter-spacing:-.6px}
.banner-img{
  border-radius:18px;
  overflow:hidden;
  margin-top:14px;
  background:#e2e8f0;
  min-height:160px;
}
.banner-img img{width:100%;height:220px;object-fit:cover}

/* BUTTON */
.btn-soft{
  border:0;
  background:var(--soft);
  color:#1d4ed8;
  font-weight:800;
  padding:12px 16px;
  border-radius:14px;
  font-size:14px;
}
.btn-soft.wide{width:220px}
.btn-soft:active{transform: scale(.98)}

/* PRODUCT GRID */
.product-grid{
  margin-top:18px;
  display:grid;
  grid-template-columns: 1fr;
  gap:14px;
}
.product-card{
  background:var(--card);
  border-radius:24px;
  box-shadow: var(--shadow);
  padding:18px;
  display:flex;
  flex-direction:column;
  gap:10px;
}
.icon-circle{
  width:66px;height:66px;border-radius:999px;
  background:#0b5ea8;
  display:grid;place-items:center;
  color:#fff;font-size:26px;
}
.pc-title{font-size:26px;font-weight:900;letter-spacing:-.6px}
.pc-sub{color:var(--muted);font-size:15px;line-height:1.45}
.product-card .btn-soft{width:160px}

/* SECTION TITLES */
.section-title{margin-top:18px}
.section-title h2{
  margin:0;
  font-size:34px;
  letter-spacing:-.8px;
  line-height:1.05;
  text-align:center;
  color:#0b1220;
}

/* FEATURE CARDS */
.feature-card{
  margin-top:14px;
  background:var(--card);
  border-radius:24px;
  box-shadow: var(--shadow);
  padding:16px;
}
.feature-head{display:flex;gap:12px;align-items:flex-start}
.mini-icon{
  width:54px;height:54px;border-radius:999px;
  background:#0b5ea8;color:#fff;
  display:grid;place-items:center;
  font-size:22px;flex:0 0 auto;
}
.feature-card h3{
  margin:0;
  font-size:26px;
  letter-spacing:-.6px;
  line-height:1.15;
}
.feature-card .btn-soft{margin-top:12px}
.feature-img{
  margin-top:14px;
  border-radius:18px;
  overflow:hidden;
  background:#e2e8f0;
  min-height:220px;
}
.feature-img img{width:100%;height:260px;object-fit:cover}

/* TILES */
.tiles{
  margin-top:18px;
  display:grid;
  grid-template-columns: 1fr 1fr;
  gap:14px;
}
.tile{
  background:#fff;
  border-radius:22px;
  box-shadow: var(--shadow);
  padding:18px;
  min-height:140px;
  position:relative;
}
.tile-icon{
  width:60px;height:60px;border-radius:999px;
  background:#0b5ea8;color:#fff;
  display:grid;place-items:center;
  font-size:22px;
  margin-bottom:10px;
}
.tile-title{font-weight:950;font-size:26px;letter-spacing:-.6px;line-height:1.05}
.tile-arrow{
  position:absolute;right:16px;bottom:16px;
  color:#0b5ea8;
  font-weight:900;
  font-size:22px;
}

/* FOOTER */
.footer{
  margin-top:auto;
  background:linear-gradient(180deg, var(--blue), var(--blue2));
  color:#fff;
  padding:22px 0 28px;
}
.footer .inner{display:flex;flex-direction:column;gap:16px}

.footer-acc{display:flex;flex-direction:column;gap:10px}
.acc-item{border-top:1px solid rgba(255,255,255,.22);padding-top:10px}
.acc-btn{
  width:100%;
  background:transparent;
  border:0;
  color:#fff;
  display:flex;
  justify-content:space-between;
  align-items:center;
  font-weight:900;
  font-size:18px;
  padding:10px 0;
}
.acc-panel{padding:0 0 12px;color:rgba(255,255,255,.85);line-height:1.45}

.footer-info{
  background:rgba(255,255,255,.08);
  border-radius:18px;
  padding:16px;
  display:grid;
  grid-template-columns:1fr;
  gap:14px;
}
.footer-h{font-weight:950;font-size:18px;margin-bottom:10px}
.footer-p{color:rgba(255,255,255,.9);line-height:1.5}

.social{display:flex;gap:10px}
.social a{
  width:40px;height:40px;border-radius:999px;
  background:rgba(255,255,255,.16);
  display:grid;place-items:center;
  font-weight:950;
}

.footer-brand{
  font-weight:950;
  letter-spacing:.7px;
  opacity:.9;
}

/* REVEAL ANIMATION */
.reveal{opacity:0;transform: translateY(18px);transition: opacity .55s ease, transform .55s ease}
.reveal.is-visible{opacity:1;transform:none}

/* Responsive */
@media (min-width: 820px){
  .hero-slide, .hero-slide img{height:320px}
  .product-grid{grid-template-columns: 1fr 1fr 1fr}
  .feature-img img{height:340px}
  .footer-info{grid-template-columns: 1fr 1fr}
}

/* =========================================
   PERSONAL HERO CLEAN PATCH (business style)
   Paste at END of personal-banking.css
========================================= */

/* Make header cleaner like business */
.site-header{
  position: sticky;
  top: 0;
  z-index: 50;
  background: #ffffff;
  backdrop-filter: none;
  border-bottom: 1px solid rgba(15,23,42,.08);
  box-shadow: 0 6px 18px rgba(16,24,40,.08);
}

/* HERO container spacing */
.hero{
  margin-top: 10px;
  position: relative;
}

/* Hero slider like business */
.hero-slider{
  position: relative;
  border-radius: 28px;
  overflow: hidden;
  background: #dbeafe;
  box-shadow: 0 10px 28px rgba(16,24,40,.10);
}

/* Track same */
.hero-track{
  display: flex;
  width: 100%;
  transition: transform .55s ease;
  will-change: transform;
}

/* Use bigger height like business */
.hero-slide{
  min-width: 100%;
  height: 440px;
  background: #dbeafe;
}

/* Ensure image fills perfectly (no messy text) */
.hero-slide img{
  width: 100%;
  height: 440px;
  object-fit: cover;
  display: block;
}

/* Move dots to TOP like business */
.hero-dots{
  position: absolute;
  left: 0;
  right: 0;
  top: 14px;
  bottom: auto;
  display: flex;
  justify-content: center;
  gap: 8px;
}

/* Make dots look like business */
.hero-dots button{
  width: 10px;
  height: 10px;
  border-radius: 999px;
  border: 0;
  background: rgba(255,255,255,.6);
  box-shadow: 0 2px 10px rgba(0,0,0,.15);
}
.hero-dots button.is-active{
  width: 26px;
  background: rgba(255,255,255,.95);
}

/* Replace the old “below slider” hero-card look */
.hero-card{
  position: absolute;
  left: 18px;
  right: 18px;
  bottom: 18px;
  margin-top: 0;
  background: rgba(255,255,255,.96);
  border-radius: 24px;
  padding: 18px 18px 16px;
  box-shadow: 0 14px 40px rgba(16,24,40,.12);
}

/* Typography to match clean business style */
.hero-card h1{
  font-size: 36px;
  margin: 0 0 10px;
  letter-spacing: -0.02em;
}
.hero-line{
  height: 2px;
  width: 54px;
  background: #111827;
  opacity: .35;
  border-radius: 999px;
  margin: 0 0 12px;
}
.hero-card p{
  margin: 0;
  color: #111827;
  opacity: .85;
  font-size: 16px;
}

/* Responsive */
@media (max-width: 520px){
  .hero-slide,
  .hero-slide img{
    height: 360px;
  }
}