:root{
  --bg:#ffffff;
  --text:#0b0c10;
  --white:#ffffff;
  --shadow: 0 14px 40px rgba(0,0,0,.22);
  --r:18px;
  --topbar-h: 64px;
}

*{ box-sizing:border-box; }

html{
  height:100%;
  -webkit-tap-highlight-color: transparent; /* ✅ HERE */
}

button, a {
  -webkit-tap-highlight-color: transparent;
}

body{
  height:100%;
  margin:0;
  font-family: Inter, system-ui, -apple-system, Segoe UI, Roboto, Arial, sans-serif;
  background: var(--bg);
  color: var(--text);
}

/* ---------- INTRO ---------- */
.intro{
  position:fixed;
  inset:0;
  display:grid;
  place-items:center;
  background:#fff;
  z-index:50;

  transition: opacity .4s ease;

  pointer-events: auto; /* ✅ ADD HERE */
}

.intro-inner{
  text-align:center;
  padding: 24px;

  opacity:0;
  transform: translateY(10px);

  transition: opacity .35s ease, transform .35s ease;

  will-change: opacity, transform; /* ✅ ADD HERE */
}

/* ✅ FADE IN */
.intro.is-in .intro-inner{
  opacity:1;
  transform: translateY(0);
}

/* ✅ FADE OUT */
.intro.is-out .intro-inner{
  opacity:0;
  transform: translateY(-8px);
  transition: opacity .4s ease, transform .4s ease;
}

.intro.is-out{
  opacity:0;
  pointer-events: none; /* ✅ ADD HERE */
}

.flag{
  width: 112px;
  height: 74px;
  margin: 0 auto 14px;
  border-radius: 10px;
  overflow:hidden;
  box-shadow: 0 10px 22px rgba(0,0,0,.10);
}
.flag svg{ width:100%; height:100%; display:block; }
.intro-title{
  margin:0;
  color:#000;
  font-weight:800;
  letter-spacing:.06em;
  font-size: clamp(22px, 4.8vw, 44px);
  text-transform: uppercase;
}

/* ---------- APP ---------- */
.app{
  min-height:100%;
  opacity:0;
  transform: translateY(8px) scale(.995);

  transition:
    opacity .6s ease,
    transform .6s cubic-bezier(.22,1,.36,1);

  will-change: opacity, transform; /* ✅ ADD HERE */
}

.app.is-in{
  opacity:1;
  transform: translateY(0) scale(1);
}

/* HEADER stays above everything */
.topbar{
  position: fixed;
  top: 0;
  left: 0;
  right: 0;

  height: var(--topbar-h);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  padding: 14px 16px;

  background: rgba(255,255,255,.72);
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  border-bottom: 1px solid rgba(0,0,0,.06);

  z-index: 60;
}

.brand{
  display:flex;
  gap:10px;
  align-items:baseline;
  color:#111;
}
.brand-title{
  font-weight:700;
  letter-spacing:.06em;
  font-size: 13px;
  text-transform: uppercase;
  white-space: nowrap;
}
.brand-sub{
  font-weight:600;
  opacity:.85;
  font-size: 12px;
  white-space: nowrap;
}

.lang{
  display:flex;
  gap:8px;
  align-items:center;
}
.lang-btn{
  appearance:none;
  border: 1px solid rgba(0,0,0,.12);
  background: rgba(255,255,255,.7);
  color:#111;
  border-radius: 999px;
  padding: 7px 9px;
  font-weight:700;
  font-size: 11px;
  letter-spacing:.02em;
  cursor:pointer;
  -webkit-tap-highlight-color: transparent;
}

.lang-btn.is-active{
  background:#111;
  color:#fff;
  border-color:#111;

}

.hamburger{
  width: 42px; height: 42px;
  border:0;
  border-radius: 999px;
  background: rgba(0,0,0,.06);
  display:grid;
  place-items:center;
  cursor:pointer;
  -webkit-tap-highlight-color: transparent;
}
.hamburger span{
  display:block;
  width: 18px;
  height: 2px;
  background:#111;
  border-radius: 99px;
  margin: 2.6px 0;
  transition: all .3s ease; /* ✅ ADD THIS */
}

/* 🔥 HAMBURGER → X */
.hamburger.is-active span:nth-child(1){
  transform: translateY(6px) rotate(45deg);
}

.hamburger.is-active span:nth-child(2){
  opacity:0;
}

.hamburger.is-active span:nth-child(3){
  transform: translateY(-6px) rotate(-45deg);
}

/* ---------- HERO ---------- */
.hero{
  position:relative;
  height: 100vh;
  width: 100%;
  overflow:hidden;
  padding-top: var(--topbar-h);
}

/* hero image */
.hero-bg{
  position:absolute;
  inset:0;
  background-image: url("./hero.jpg");
  background-size: cover;
  background-repeat: no-repeat;
  background-position: center 35%;
  transform: scale(1.05);
  filter: saturate(.95) contrast(.98);
  opacity:0;
  transition: opacity .6s ease;
}

.hero-overlay{
  position:absolute;
  inset:0;
  background: linear-gradient(to bottom, rgba(0,0,0,.20), rgba(0,0,0,.55));
  opacity:0;
  transition: opacity .6s ease;
}

.hero-content{
  position:relative;
  z-index:2;
  height: 100%;
  display:flex;
  flex-direction:column;
  justify-content:center;
  align-items:center;
  text-align:center;
  padding: 0 20px;
}

/* flag + headline fade up */
.hero-flag{
  opacity:0;
  transform: translateY(12px);
  transition: opacity .35s ease, transform .35s ease;
  transition-delay: .12s;
  margin-bottom: 12px;
}
.flag-dot{
  font-size: 18px;
  filter: drop-shadow(0 10px 22px rgba(0,0,0,.25));
}

.hero-headline{
  margin:0;
  color:#fff;
  font-weight:800;
  letter-spacing:.04em;
  text-transform:uppercase;
  font-size: clamp(28px, 6.5vw, 56px);
  text-shadow: 0 10px 26px rgba(0,0,0,.35);
  opacity:0;
  transform: translateY(18px);
  transition: opacity .45s ease, transform .45s ease;
  transition-delay: .18s;
}

/* ✅ missing in your CSS */
.hero-sub{
  margin: 12px 0 0;
  max-width: 52ch;
  color: rgba(255,255,255,.88);
  font-weight:600;
  line-height:1.45;
  font-size: 14px;
  opacity:0;
  transform: translateY(14px);
  transition: opacity .45s ease, transform .45s ease;
  transition-delay: .22s;
}

/* down arrow */
.scroll-down{
  position:absolute;
  z-index:2;
  left: 50%;
  bottom: 22px;
  width: 56px; height: 56px;
  border-radius: 999px;
  border: 1px solid rgba(255,255,255,.35);
  background: rgba(0,0,0,.14);
  cursor:pointer;
  display:grid;
  place-items:center;
  -webkit-tap-highlight-color: transparent;

  opacity:0;
  transform: translateX(-50%) translateY(10px);
  transition: opacity .35s ease, transform .35s ease;
  transition-delay: .28s;
}
.chev{
  width: 14px; height: 14px;
  border-right: 2px solid #fff;
  border-bottom: 2px solid #fff;
  transform: rotate(45deg);
  margin-top:-4px;
}

/* Hero fade trigger (JS adds .is-in to .hero) */
.hero.is-in .hero-bg{ opacity:1; }
.hero.is-in .hero-overlay{ opacity:1; }
.hero.is-in .hero-flag{ opacity:1; transform: translateY(0); }
.hero.is-in .hero-headline{ opacity:1; transform: translateY(0); }
.hero.is-in .hero-sub{ opacity:1; transform: translateY(0); }
.hero.is-in .scroll-down{ opacity:1; transform: translateX(-50%) translateY(0); }

/* -------- MENU DRAWER (UNDER HEADER) -------- */

.drawer{
  position: fixed;
  left: 0;
  right: 0;
  top: var(--topbar-h);
  height: calc(100vh - var(--topbar-h));

  background: transparent;

  transform: translateY(-12px); /* 🔥 stronger starting offset */
  opacity: 0;
  pointer-events: none;

  transition:
    opacity .22s ease,
    transform .28s cubic-bezier(.22,1,.36,1); /* 🔥 smoother */

  z-index: 50;
}

.drawer.is-open{
  opacity: 1;
  transform: translateY(0);
  pointer-events: auto;
}

.drawer-shell{
  height: 100%;
  display: flex;
  flex-direction: column;
}

/* TOP WHITE GLASS BAR */
.drawer-top{
  display:flex;
  justify-content:space-between;
  align-items:center;
  padding: 18px 18px 14px;
  background: rgba(255,255,255,.78);
  backdrop-filter: blur(18px);
  -webkit-backdrop-filter: blur(18px);
  border-bottom: 1px solid rgba(0,0,0,.06);
}

.drawer-brand{
  display:flex;
  flex-direction:column;
  align-items:flex-start;
  gap: 2px;
  font-weight: 900;
  color:#111;
  line-height: 1.05;
  text-transform: none;
}

.drawer-brand span{
  font-size: 14px;
  letter-spacing: .04em;
}

.drawer-brand small{
  font-size: 12px;
  letter-spacing: .12em;
  opacity: .7;
}

.drawer-close{
  border:0;
  background: transparent;
  font-size: 26px;
  color:#1f5ea8;
  cursor:pointer;
  -webkit-tap-highlight-color: transparent;
}

/* MIDDLE CONTENT */
.drawer-body{
  flex: 1;
  overflow: auto;
  background: rgba(255,255,255,.97);
  padding: 0 18px 18px;
  -webkit-overflow-scrolling: touch;
}

.drawer-list{
  list-style:none;
  padding: 0;
  margin: 0;
  opacity: 0;
  transform: translateY(10px);
  transition: all .35s ease;
}

.drawer.is-open .drawer-list{
  opacity: 1;
  transform: translateY(0);
}

.drawer-item{
  border-top: 1px solid rgba(0,0,0,.10);
}

.drawer-link{
  width:100%;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap: 10px;
  padding: 18px 0;
  border:0;
  background: transparent;
  cursor:pointer;
  font-size: 22px;
  font-weight:700;
  color:#111;
  text-align:left;
  letter-spacing: .02em;
  transition: transform .2s ease, opacity .2s ease;
  -webkit-tap-highlight-color: transparent;
  touch-action: manipulation;
}

.drawer-link:active{
  transform: scale(.97);
  opacity: .85;
}

.drawer-link.plain{
  text-decoration:none;
  display:flex;
  justify-content:flex-start;
}

.caret{
  font-size: 16px;
  opacity:.7;
}

.drawer-link .caret{
  transition: transform 0.3s ease;
}

.drawer-link.is-open .caret{
  transform: rotate(180deg);
}

.drawer-sub{
  overflow: hidden;
  max-height: 0;
  display:flex;
  flex-direction:column;
  gap: 10px;
  transition: max-height 0.35s ease;
  padding: 0;
}

.drawer-sub.is-open{
  padding: 10px 0 16px;
}

.drawer-sub a{
  color: rgba(0,0,0,.72);
  text-decoration:none;
  font-weight:600;
  padding: 8px 0;
}

/* BOTTOM BLUE GLASS BAR */
.drawer-bottom{
  position: sticky;
  bottom: 0;
  min-height: 86px;
  display:flex;
  justify-content:flex-end;
  align-items:center;
  padding: 16px 18px;
  background: linear-gradient(
    180deg,
    rgba(10,103,183,0.78),
    rgba(10,103,183,0.95)
  );
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border-top: 1px solid rgba(255,255,255,.12);
}

.drawer-lang{
  position: relative;
  padding: 0;
}

.drawer-flag{
  border: 1px solid rgba(255,255,255,.25);
  background: rgba(255,255,255,.12);
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  border-radius: 999px;
  padding: 10px 14px;
  font-size: 18px;
  cursor: pointer;
  transition: all .25s ease;
  -webkit-tap-highlight-color: transparent;
}

.drawer-flag:active{
  transform: scale(.96);
}

/* dropdown opens upward from the bottom blue bar */
.lang-dropdown{
  position: absolute;
  right: 0;
  bottom: calc(100% + 12px);

  min-width: 80px; /* smaller now */

  display: grid; /* ✅ ADD THIS */
  grid-template-columns: repeat(2, 1fr); /* ✅ ADD THIS */
  gap: 6px; /* ✅ ADD THIS */

  background: rgba(255,255,255,.18);
  backdrop-filter: blur(22px);
  -webkit-backdrop-filter: blur(22px);
  border: 1px solid rgba(255,255,255,.22);
  border-radius: 16px;
  padding: 8px;
  box-shadow: 0 20px 50px rgba(0,0,0,.25);

  opacity: 0;
  transform: translateY(6px) scale(.98);
  pointer-events: none;
  transition: all .25s ease;
  z-index: 100;
}

.lang-dropdown.is-open{
  opacity: 1;
  transform: translateY(0) scale(1);
  pointer-events: auto;
}

.lang-option{
  width: 100%;
  border: 0;
  background: transparent;
  color: #fff;

  display: flex;                 /* ✅ CENTER */
  align-items: center;
  justify-content: center;

  font-size: 20px;              /* ✅ bigger flag */
  padding: 10px;

  border-radius: 10px;
  cursor: pointer;

  transition: all .2s ease;
  backdrop-filter: blur(6px);
}

.lang-option:hover{
  background: rgba(255,255,255,.18);
  transform: scale(1.05);
}

.lang-option:active{
  transform: scale(.97);
}

/* Backdrop covers only BELOW header */
.backdrop{
  position: fixed;
  left: 0;
  right: 0;
  top: var(--topbar-h);
  height: calc(100vh - var(--topbar-h));
  background: rgba(0,0,0,0);
  transition: background .18s ease;
  z-index: 45;
  pointer-events: none;
}

.backdrop.is-on{
  background: rgba(0,0,0,.35);
  pointer-events: auto;
}

/* ---------- MAIN CONTENT ---------- */
.content{
  background:#fff;
  padding: calc(var(--topbar-h) + 24px) 0 70px;
}
.wrap{
  width: min(1040px, 92vw);
  margin: 0 auto;
}

/* ---------- OVERVIEW SECTION ---------- */
.overview{
  background:#fff;
  padding: 60px 0 70px; /* increased top padding */
}

.overview-title{
  margin: 26px 0 12px;
  font-weight: 800;
  font-size: 24px;
  color:#111;
}

.overview-text{
  margin: 0 0 14px;
  color:#444;
  font-weight: 600;
  line-height: 1.6;
  max-width: 72ch;
}


.headline{
  margin: 0 0 22px;
  font-size: clamp(30px, 5.2vw, 54px);
  line-height: 1.05;
  letter-spacing: -0.02em;
  font-weight: 800;
  color: #111;
}

/* ===============================
   KIB BANKING ONLINE (LOGIN)
================================ */
.login-section{
  background: linear-gradient(180deg, #eef6ff 0%, #ffffff 70%);
  padding: 64px 0 80px;
}

.login-title{
  margin: 0 0 18px;
  font-weight: 900;
  letter-spacing: -0.02em;
  color: #111;
  font-size: clamp(24px, 5.5vw, 34px);
}

.login-card{
  max-width: 520px;
  margin: 0 auto;
  background: rgba(255,255,255,.92);
  border: 1px solid rgba(0,0,0,.08);
  border-radius: 18px;
  box-shadow: 0 14px 40px rgba(0,0,0,.10);
  padding: 18px;
}

.field{ display:block; margin: 12px 0; }

.input{
  width: 100%;
  height: 54px;
  border-radius: 10px;
  border: 1px solid rgba(0,0,0,.16);
  background: #fff;
  padding: 0 14px;
  font-weight: 650;
  font-size: 15px;
  outline: none;
}

.input:focus{
  border-color: rgba(32, 90, 190, .55);
  box-shadow: 0 0 0 4px rgba(32, 90, 190, .12);
}

.input-row{
  display:flex;
  gap: 10px;
  align-items:center;
}

.icon-btn{
  height: 54px;
  width: 54px;
  border-radius: 10px;
  border: 1px solid rgba(0,0,0,.16);
  background: #fff;
  cursor: pointer;
  font-size: 18px;
}

.login-btn{
  width: 100%;
  height: 58px;
  margin-top: 10px;
  border: 0;
  border-radius: 12px;
  background: #2f60b5;
  color: #fff;
  font-weight: 900;
  font-size: 18px;
  letter-spacing: .02em;
  cursor: pointer;
}

.login-btn:active{ transform: translateY(1px); }

.login-foot{
  display:flex;
  justify-content: space-between;
  align-items:center;
  gap: 12px;
  padding-top: 14px;
  flex-wrap: wrap;
}

.save-id{
  display:flex;
  gap: 10px;
  align-items:center;
  font-weight: 700;
  color:#222;
}

.login-links{
  display:flex;
  gap: 14px;
}

.login-links a{
  color:#2f60b5;
  font-weight: 800;
  text-decoration: none;
}

.login-links a:active{ opacity: .7; }

.sr-only{
  position:absolute;
  width:1px; height:1px;
  padding:0; margin:-1px;
  overflow:hidden; clip:rect(0,0,0,0);
  white-space:nowrap; border:0;
}


/* ---------- SCROLL FADE-IN ---------- */
.reveal{
  opacity:0;
  transform: translateY(18px);
  transition: opacity .45s ease, transform .45s ease;
}
.reveal.is-visible{
  opacity:1;
  transform: translateY(0);
}

/* ---------- SLIDER (true carousel for translateX(-index*100%)) ---------- */
.slider{ margin-top: 18px; }

.slider-viewport{
  overflow:hidden;
  border-radius: 26px;
  background: transparent;
}

.slider-track{
  display:flex;
  width:100%;
  will-change: transform;
  transition: transform .35s ease;
  touch-action: pan-y;
  cursor: grab;
}
.slider-track:active{ cursor: grabbing; }

/* Each slide exactly 100% viewport width */
.slide{
  flex: 0 0 100%;
  padding: 0; /* no gap because track moves by 100% */
}

/* Card */
.card{
  background:#fff;
  border-radius: 26px;
  overflow:hidden;
  box-shadow: 0 20px 60px rgba(0,0,0,.10);
  transform: translateY(0);
  transition: transform .18s ease, box-shadow .18s ease;
}
.card:active{
  transform: translateY(1px) scale(0.995);
  box-shadow: 0 16px 50px rgba(0,0,0,.12);
}

.card-media{
  aspect-ratio: 4 / 5;
  background:#f2f2f2;
}
.card-media img{
  width:100%;
  height:100%;
  object-fit: cover;
  display:block;
}

.card-body{ padding: 16px 16px 18px; }
.card-kicker{
  margin:0 0 6px;
  font-weight:700;
  color:#666;
  font-size: 12px;
}
.card-title{
  margin:0 0 8px;
  font-size: 18px;
  font-weight:800;
  color:#111;
}
.card-text{
  margin:0;
  color:#555;
  font-weight:600;
  font-size: 13px;
  line-height: 1.4;
}

/* Dots */
.dots{
  display:flex;
  gap: 8px;
  justify-content:center;
  align-items:center;
  padding: 14px 0 0;
}
.dot{
  width: 8px;
  height: 8px;
  border-radius: 999px;
  background: rgba(0,0,0,.18);
  border:0;
  cursor:pointer;
}
.dot.is-active,
.dot.active{
  background: rgba(0,0,0,.70);
}

/* ---------- OPTIONAL SHOWCASE GRID (if you kept it) ---------- */
.showcase{ margin-top: 26px; }
.showcase-title{
  margin: 0 0 12px;
  font-weight: 800;
  letter-spacing: -0.02em;
  color:#111;
}
.showcase-grid{
  display:grid;
  grid-template-columns: repeat(5, minmax(160px, 1fr));
  gap: 12px;
  overflow-x:auto;
  padding-bottom: 8px;
  scroll-snap-type: x mandatory;
}
.showcase-card{
  margin:0;
  border-radius: 18px;
  overflow:hidden;
  background:#fff;
  border: 1px solid rgba(0,0,0,.06);
  box-shadow: 0 10px 26px rgba(0,0,0,.08);
  scroll-snap-align: start;
  min-width: 180px;
}
.showcase-card img{
  width:100%;
  height: 240px;
  object-fit: cover;
  display:block;
}
.showcase-card figcaption{
  padding: 10px 12px 12px;
  color:#333;
  font-weight:700;
  font-size: 13px;
}

/* ---------- MOBILE TUNING ---------- */
@media (max-width: 768px){
  .hero-bg{ background-position: center 30%; }
  .brand-title{ font-size: 12px; }
  .lang-btn{ font-size: 10px; padding: 7px 8px; }
  .showcase-grid{ grid-template-columns: repeat(5, minmax(180px, 1fr)); }
}

/* ===============================
  NEWSROOM
================================ */
.newsroom{
  background:#fff;
  padding: 80px 0 70px;
}

.newsroom-title{
  margin: 0 0 18px;
  font-weight: 900;
  letter-spacing: -0.02em;
  font-size: clamp(28px, 6vw, 42px);
  color:#111;
}

.news-viewport{
  overflow:hidden;
  border-radius: 22px;
  background: transparent;
}

.news-track{
  display:flex;
  transition: transform .35s ease;
  will-change: transform;
  touch-action: pan-y;
  cursor: grab;
}
.news-track > .slide{
  flex: 0 0 100%;
}

.news-card{
  display:block;          /* because it is now <a> */
  color: inherit;
  text-decoration: none;
}

.news-card:active{
  transform: scale(.995);
}

.news-card:focus-visible{
  outline: 3px solid rgba(31,122,255,.35);
  outline-offset: 3px;
  border-radius: 18px; /* match your card radius */
}

.news-media{
  height: 240px;
  background: #e9edf3;
  overflow: hidden;
}

.news-media img{
  width: 100%;
  height: 100%;
  object-fit: cover;        /* fills the entire card */
  object-position: center;  /* keeps center focus */
  display: block;
}


.news-meta{
  padding: 14px 16px 0;
}

.news-date{
  display:flex;
  justify-content:space-between;
  align-items:flex-end;
  background: #f3f5f8;
  border-radius: 14px;
  padding: 12px 14px;
  border: 1px solid rgba(0,0,0,.06);
}

.news-date span{
  font-weight:800;
  color:#111;
}

.news-date strong{
  font-weight:900;
  color:#111;
  opacity:.8;
}

.news-headline{
  margin: 14px 16px 18px;
  font-weight: 900;
  font-size: 20px;
  color:#111;
  line-height: 1.15;
}

.news-highlights{
  margin-top: 26px;
}

.news-highlights-title{
  margin: 0 0 10px;
  font-weight: 900;
  color:#111;
}

.news-grid{
  display:grid;
  grid-template-columns: repeat(4, minmax(180px, 1fr));
  gap: 12px;
  overflow-x:auto;
  padding-bottom: 8px;
  scroll-snap-type: x mandatory;
}

.news-mini{
  min-width: 190px;
  padding: 16px;
  border-radius: 16px;
  background:#fff;
  border: 1px solid rgba(0,0,0,.08);
  box-shadow: 0 10px 26px rgba(0,0,0,.08);
  font-weight: 800;
  color:#111;
  scroll-snap-align: start;
}

/* ===============================
  PERSONAL/BUSINESS BLOCK
================================ */
.banking-block{
  background:#f6f7f9;
  padding: 70px 0;
}

.banking-kicker{
  margin:0 0 8px;
  font-weight:900;
  color:#2f60b5;
}

.banking-title{
  margin:0 0 16px;
  font-weight: 900;
  letter-spacing: -0.02em;
  color:#111;
  font-size: clamp(26px, 6vw, 40px);
  line-height: 1.05;
}

.discover-service{
  display:inline-flex;
  align-items:center;
  justify-content:center;

  height:56px;
  padding:0 28px;

  background:#d7eef8;      /* soft blue */
  color:#2f60b5;           /* blue text */

  border-radius:18px;
  font-weight:900;
  font-size:16px;

  text-decoration:none;
  cursor:pointer;

  transition: all .25s ease;
}

.discover-service:hover{
  background:#c9e7f6;
}

.discover-service:active{
  transform:scale(.97);
}
/* Icon slider */
.icon-viewport{
  margin-top: 22px;
  overflow:hidden;
  border-radius: 22px;
}

.icon-track{
  display: flex;
  transition: transform .35s ease;
  will-change: transform;
  touch-action: pan-y;
  cursor: grab;
}

.icon-track:active{
  cursor: grabbing;
}
.icon-slide{ flex: 0 0 100%; }

.icon-card{
  background:#fff;
  border-radius: 22px;
  border: 1px solid rgba(0,0,0,.08);
  box-shadow: 0 14px 40px rgba(0,0,0,.10);
  padding: 22px;
}

/* ICON CIRCLE IMAGE */
.icon-circle{
  width:72px;
  height:72px;
  border-radius:50%;
  overflow:hidden;
  display:flex;
  align-items:center;
  justify-content:center;
  background:#eef2ff;
  margin-bottom:14px;
}

.icon-circle img{
  width:78%;
  height:78%;
  object-fit:contain;
  display:block;
}
.icon-card h4{
  margin: 0 0 6px;
  font-weight: 900;
  font-size: 22px;
  color:#111;
}

.icon-card p{
  margin:0;
  color:#666;
  font-weight: 650;
  line-height: 1.45;
}

/* ===============================
   KIB FULL WIDTH BANNER (FINAL)
================================ */

/* Banner container */
.kib-banner {
  position: relative;
  width: 100%;

  border-radius: 26px;
  overflow: hidden;

  box-shadow: 0 18px 55px rgba(0,0,0,.12); /* 🔥 add depth */
}

/* Mobile height */
@media (max-width: 768px){
  .kib-banner{
    aspect-ratio: 4 / 5.2;
  }
}

/* Track */
.kib-banner-track{
  position: absolute;
  inset: 0;
}

/* Slides */
.kib-banner-slide{
  position: absolute;
  inset: 0;

  opacity: 0;
  pointer-events: none;
  z-index: 1;

  transition: opacity .6s ease;
}

/* Active slide */
.kib-banner-slide.is-active{
  opacity: 1;
  pointer-events: auto;
  z-index: 3;
}

/* Previous slide (fade out) */
.kib-banner-slide.was-active{
  opacity: 0;
  z-index: 2;
}

/* Media */
.kib-banner-media{
  position: absolute;
  inset: 0;
  overflow: hidden;
}

.kib-banner-media img {
  width: 100%;
  height: 100%;
  object-fit: cover;

  /* 🔥 tweak this per image if needed */
  object-position: center 40%;
}

/* Soft bottom fade */
.kib-banner-media::after{
  content:"";
  position:absolute;
  left:0; right:0; bottom:0;
  height:45%;
  background: linear-gradient(
    to top,
    rgba(233,237,243,1),
    rgba(233,237,243,0)
  );
  pointer-events:none;
}

/* Info card */
.kib-banner-info{
  position:absolute;
  left:0;
  right:0;
  bottom:0;

  padding: 22px 18px 20px;

  color:#111;

  /* 🔥 soft fade instead of box */
  background: linear-gradient(
    to top,
    rgba(255,255,255,0.95) 0%,
    rgba(255,255,255,0.85) 40%,
    rgba(255,255,255,0) 100%
  );
}

/* Text */
.kib-banner-info h4{
  font-size: 20px;
  margin-bottom: 6px;
}

.kib-banner-info p{
  font-size: 14px;
  margin-bottom: 12px;
}

/* Remove container spacing influence */
.kib-promo {
  padding-left: 12px;
  padding-right: 12px;
}

/* Button */
.kib-cta{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  height:46px;
  padding:0 18px;
  border-radius:14px;
  border:0;
  background:#d7eef8;
  color:#2f60b5;
  font-weight:900;
  cursor:pointer;
  text-decoration:none;
}

/* Dots stay the same */
.kib-banner-dots{
  display:flex;
  justify-content:center;
  align-items:center;
  gap:8px;
  padding: 10px 0 0;
}
.kib-banner-dots button{
  width:8px;
  height:8px;
  border-radius:999px;
  border:0;
  background: rgba(0,0,0,.18);
  cursor:pointer;
}
.kib-banner-dots button.is-active{
  background: rgba(0,0,0,.70);
}

/* ✅ SMALL HIGHLIGHTS (chips) - NOT big pictures */
.kib-highlights{
  max-width: 980px;
  margin: 12px auto 0;
  display:flex;
  gap: 10px;
  overflow-x:auto;
  -webkit-overflow-scrolling: touch;
  padding: 0 2px 6px;
  scroll-snap-type: x mandatory;
}

.kib-hl{
  flex: 0 0 auto;
  min-width: 210px;
  border: 1px solid rgba(0,0,0,.08);
  background: #fff;
  border-radius: 16px;
  padding: 12px 14px;
  box-shadow: 0 10px 26px rgba(0,0,0,.06);
  font-weight: 900;
  color:#111;
  cursor:pointer;
  text-align:left;
  scroll-snap-align: start;
}

.kib-hl small{
  display:block;
  margin-top: 4px;
  font-weight: 750;
  color:#6b7280;
}

.kib-hl.is-active{
  border-color: rgba(47,96,181,.35);
  box-shadow: 0 14px 34px rgba(47,96,181,.12);
}

/* ===============================
  CIRCLE BANNER SECTION
================================ */
.circle-promo{
  background:#fff;
  padding: 0 0 80px;
}

.circle-gap{
  height: 26px; /* ✅ gap after previous banner */
}

.circle-hero{
  width: min(520px, 92vw);
  margin: 0 auto 16px;
  aspect-ratio: 1 / 1;
  border-radius: 999px;
  overflow: hidden;
  background: #e9edf3;
  box-shadow: 0 18px 55px rgba(0,0,0,.12);
}

.circle-hero img{
  width: 100%;
  height: 100%;
  object-fit: cover;        /* fills circle */
  object-position: center;
  display:block;
}

/* slider wrapper */
.circle-viewport{
  overflow:hidden;
  border-radius: 22px;
}

.circle-track{
  display:flex;
  transition: transform .35s ease;
  will-change: transform;
  touch-action: pan-y;
  cursor: grab;
}
.circle-track:active{ cursor: grabbing; }

.circle-slide{
  flex: 0 0 100%;
}

/* content card */
.circle-card{
  background: #fff;
  border: 1px solid rgba(0,0,0,.08);
  border-radius: 22px;
  box-shadow: 0 14px 40px rgba(0,0,0,.10);
  padding: 18px 18px 16px;
}

.circle-kicker{
  display:flex;
  align-items:center;
  gap:10px;
  font-weight: 900;
  letter-spacing: .06em;
  color:#111;
  text-transform: uppercase;
  font-size: 13px;
  margin-bottom: 10px;
}

.circle-title{
  margin: 0 0 14px;
  font-weight: 900;
  font-size: 30px;
  letter-spacing: -0.02em;
  color:#111;
  line-height: 1.05;
}

.circle-list{
  list-style: none;
  padding: 0;
  margin: 0 0 16px;
}
.circle-list li{
  position: relative;
  padding-left: 34px;
  margin: 12px 0;
  color:#333;
  font-weight: 700;
  line-height: 1.35;
}
.circle-list li::before{
  content:"✓";
  position:absolute;
  left:0;
  top:0;
  width: 24px;
  height: 24px;
  border-radius: 999px;
  display:grid;
  place-items:center;
  background: rgba(47,96,181,.12);
  color:#2f60b5;
  font-weight: 900;
}

/* buttons */
.circle-actions{
  display:flex;
  gap: 12px;
  flex-wrap: wrap;
  margin-top: 10px;
}

.circle-btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  height: 48px;
  padding: 0 18px;
  border-radius: 14px;
  border: 0;
  background: #d7eef8;
  color:#2f60b5;
  font-weight: 900;
  text-decoration:none;
  cursor:pointer;
}

.circle-btn.ghost{
  background: #111;
  color:#fff;
}

/* bottom label */
.circle-bottom-label{
  margin: 14px 0 0;
  text-align:center;
  font-weight: 900;
  color:#111;
  letter-spacing: .02em;
}


/* ===============================
   KIB MILESTONE + STATS (WOORI-LIKE SPACING)
================================ */
.kib-stats {
  padding: 34px 0 56px;
}

/* top milestone text */
.kib-milestone {
  max-width: 720px;
  margin: 0 auto 18px;
  text-align: left;
}

.kib-milestone-date {
  font-weight: 900;
  font-size: 22px;
  margin: 0 0 10px;
}

.kib-milestone-text {
  margin: 0 0 14px;
  line-height: 1.55;
  color: rgba(0,0,0,0.62);
  font-size: 15.5px;
}

.kib-milestone-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 12px 18px;
  border-radius: 14px;
  background: rgba(40, 170, 230, 0.18);
  color: #1676a6;
  font-weight: 800;
  text-decoration: none;
}

/* assets tile */
.kib-assets-tile {
  margin: 22px auto 30px;
  max-width: 720px;
  border-radius: 22px;
  padding: 26px 22px;
  color: #fff;
  background: linear-gradient(135deg, #0a3e7a, #0f67b7);
  position: relative;
  overflow: hidden;
}

.kib-assets-big {
  font-size: clamp(56px, 10vw, 78px);
  font-weight: 900;
  letter-spacing: -1px;
  line-height: 1;
}

.kib-assets-unit {
  font-size: clamp(18px, 4.5vw, 28px);
  font-weight: 800;
  opacity: 0.95;
  margin-top: 6px;
}

.kib-assets-label {
  margin-top: 18px;
  font-size: 16px;
  font-weight: 800;
  opacity: 0.95;
  text-align: center;
}

/* stats list (WOORI STYLE: big spacing, no borders) */
.kib-stats-grid {
  max-width: 720px;
  margin: 0 auto;
  display: grid;
  gap: 34px;            /* ✅ matches Woori vertical spacing */
  padding-top: 8px;
}

.kib-stat {
  padding: 0;           /* ✅ clean like Woori */
}

/* icon + label row */
.kib-stat-head {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 12px;
}

.kib-stat-icon {
  width: 34px;
  height: 34px;
  border-radius: 999px;
  display: grid;
  place-items: center;
  background: rgba(47,96,181,.10);
  font-size: 16px;
  flex: 0 0 auto;
}

.kib-stat-label {
  font-size: 18px;
  color: rgba(0,0,0,0.72);
  font-weight: 700;
}

/* big number (responsive + never breaks) */
.kib-stat-value {
  font-size: clamp(34px, 8.5vw, 52px);
  font-weight: 900;
  letter-spacing: -0.6px;
  line-height: 1.05;

  white-space: nowrap;     /* ✅ keep “US$ 996 M” in one line */
  word-break: keep-all;
  overflow: hidden;
  text-overflow: ellipsis; /* ✅ just in case screen is tiny */
}

@media (max-width: 360px) {
  .kib-stats-grid { gap: 26px; }
  .kib-stat-value { font-size: 32px; }
}


/* ===============================
   KIB NAV TILES — WHITE DESIGN
================================ */
.kib-nav-cards{
  background:#f2f2f2;
  padding: 56px 0 70px;
}

.kib-nav-grid{
  display:grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 18px;
}

.kib-nav-card{
  position:relative;
  min-height: 280px;
  padding: 22px;
  border-radius: 28px;
  background:#fff;
  box-shadow: 0 16px 42px rgba(0,0,0,.08);
  text-decoration:none;
  color:#111;
  overflow:hidden;
  transition: transform .2s ease, box-shadow .2s ease;
}

.kib-nav-card:active{
  transform: scale(.99);
}

.kib-nav-icon{
  width:74px;
  height:74px;
  border-radius:50%;
  background: linear-gradient(135deg, #2f67ad, #1f5ea8); /* upgraded */
  display:flex;
  align-items:center;
  justify-content:center;
  margin-bottom:18px;
}

/* SVG icon size */
.kib-nav-icon svg{
  width:36px;
  height:36px;
}

.kib-nav-card h3{
  margin:0;
  font-size: clamp(26px, 5vw, 34px);
  line-height:1.08;
  font-weight:900;
  letter-spacing:-0.03em;
}

.kib-arrow{
  position:absolute;
  right:22px;
  bottom:22px;
  font-size:40px;
  line-height:1;
  color:#2f67ad;
  font-weight:300;
}

/* ===============================
   KIB WHITE FOOTER
================================ */
.kib-footer-white{
  background:#fff;
  padding: 42px 0 54px;
}

.kib-footer-acc{
  border-top:1px solid rgba(0,0,0,.10);
}

.kib-acc-item{
  border-bottom:1px solid rgba(0,0,0,.10);
}

.kib-acc-btn{
  width:100%;
  display:flex;
  justify-content:space-between;
  align-items:center;
  padding: 18px 0;
  border:0;
  background:transparent;
  color:#2f67ad;
  font-size:18px;
  font-weight:800;
  text-align:left;
  cursor:pointer;
}

.kib-acc-caret{
  transition: transform .25s ease;
  font-size: 18px;
}

.kib-acc-btn.is-open .kib-acc-caret{
  transform: rotate(180deg);
}

.kib-acc-panel{
  padding: 0 0 16px;
}

.kib-acc-panel a{
  display:block;
  padding: 9px 0;
  color:#111;
  text-decoration:none;
  font-size:16px;
  font-weight:500;
}

.kib-footer-meta{
  margin-top: 28px;
  padding-top: 18px;
  border-top:1px solid rgba(0,0,0,.10);
  display:grid;
  gap:14px;
}

.kib-footer-line{
  display:flex;
  justify-content:space-between;
  align-items:center;
  gap:16px;
  color:#111;
  font-size:15px;
  font-weight:600;
}

.kib-footer-line span:first-child{
  color:#2f67ad;
  font-weight:800;
}

.kib-footer-line a{
  color:#111;
  text-decoration:none;
  font-weight:600;
}

/* mobile */
@media (max-width: 768px){
  .kib-nav-grid{
    grid-template-columns: 1fr 1fr;
    gap: 14px;
  }

  .kib-nav-card{
    min-height: 250px;
    padding: 18px;
    border-radius: 24px;
  }

  .kib-nav-icon{
    width:64px;
    height:64px;
  }

  .kib-nav-card h3{
    font-size: 24px;
  }

  .kib-arrow{
    font-size: 34px;
  }

  .kib-footer-line{
    align-items:flex-start;
    flex-direction:column;
    gap:6px;
  }
}

/* ===== GLOBAL BANKING TEXT SYSTEM ===== */
body{
  font-family: "Source Sans 3", "Helvetica Neue", Arial, sans-serif;
  color:#0b1f33;
  line-height:1.65;
}

h1, h2, h3, h4{
  font-weight:700;
  letter-spacing:-0.2px;
  color:#0a2540;
}

h1{ font-size:42px; font-weight:800; }
h2{ font-size:32px; }
h3{ font-size:24px; }

p{
  font-size:16px;
  color:#4a5a6a;
}

.hero-headline{
  font-size:44px;
  font-weight:800;
}

.hero-sub{
  font-size:18px;
}

.headline,
.overview-title,
.banking-title,
.newsroom-title{
  font-size:34px;
  font-weight:800;
}

.card-title{
  font-size:20px;
}

.card-text{
  font-size:15px;
}