/* =====================================================================
   Bank Homepage Template — stylesheet
   Design tokens live in :root — change these to rebrand colors/type.
   ===================================================================== */

:root{
  /* ---- Brand colors (edit to match your bank) ---- */
  --bht-navy:        #0B2C5E;
  --bht-navy-deep:   #081D3F;
  --bht-accent:      #2F6FED;
  --bht-accent-dark: #1E52C4;
  --bht-teal:        #17B4C9;
  --bht-sky:         #EAF2FF;
  --bht-sky-2:       #DCEBFF;
  --bht-bg:          #F7F9FC;
  --bht-surface:     #FFFFFF;
  --bht-text:        #16213E;
  --bht-text-muted:  #5B6B84;
  --bht-border:      #E6EBF3;
  --bht-success:     #16A34A;

  /* ---- Type ---- */
  --bht-font-display: 'Sora', 'Segoe UI', sans-serif;
  --bht-font-body:    'Inter', 'Segoe UI', sans-serif;
  --bht-font-mono:    'IBM Plex Mono', 'Courier New', monospace;

  /* ---- Layout ---- */
  --bht-container: 1200px;
  --bht-radius-sm: 12px;
  --bht-radius-md: 20px;
  --bht-radius-lg: 32px;
  --bht-shadow: 0 20px 60px -20px rgba(11,44,94,0.25);
  --bht-shadow-sm: 0 10px 30px -12px rgba(11,44,94,0.18);
}

/* ---------------------------------------------------------------------
   Reset / base
   --------------------------------------------------------------------- */
.bht-body{
  margin:0;
  font-family:var(--bht-font-body);
  color:var(--bht-text);
  background:var(--bht-bg);
  -webkit-font-smoothing:antialiased;
  line-height:1.5;
}
.bht-body *,
.bht-body *::before,
.bht-body *::after{ box-sizing:border-box; }
.bht-body img{ max-width:100%; display:block; }
.bht-body a{ text-decoration:none; color:inherit; }
.bht-body ul{ margin:0; padding:0; list-style:none; }
.bht-body h1,.bht-body h2,.bht-body h3{
  font-family:var(--bht-font-display);
  color:var(--bht-navy);
  margin:0;
  line-height:1.15;
  letter-spacing:-0.01em;
}
.bht-body button{ font-family:inherit; cursor:pointer; }

.bht-container{
  width:100%;
  max-width:var(--bht-container);
  margin:0 auto;
  padding:0 24px;
}

.bht-eyebrow{
  display:inline-flex;
  align-items:center;
  gap:6px;
  font-family:var(--bht-font-body);
  font-size:13px;
  font-weight:600;
  color:var(--bht-navy);
  background:var(--bht-surface);
  border:1px solid var(--bht-border);
  padding:6px 16px;
  border-radius:999px;
  margin-bottom:20px;
}

.bht-btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  gap:8px;
  font-weight:700;
  font-size:15px;
  padding:14px 28px;
  border-radius:999px;
  border:2px solid transparent;
  transition:transform .18s ease, box-shadow .18s ease, background .18s ease, color .18s ease;
  white-space:nowrap;
}
.bht-btn-primary{
  background:linear-gradient(135deg,var(--bht-accent),var(--bht-teal));
  color:#fff;
  box-shadow:0 12px 24px -10px rgba(47,111,237,0.55);
}
.bht-btn-primary:hover{ transform:translateY(-2px); box-shadow:0 16px 30px -10px rgba(47,111,237,0.6); }
.bht-btn-secondary{
  background:var(--bht-surface);
  color:var(--bht-accent-dark);
  border-color:var(--bht-accent);
}
.bht-btn-secondary:hover{ background:var(--bht-sky); transform:translateY(-2px); }
.bht-btn-outline{
  background:transparent;
  color:var(--bht-navy);
  border-color:var(--bht-navy);
}
.bht-btn-outline:hover{ background:var(--bht-navy); color:#fff; }
.bht-btn-block{ width:100%; }

.bht-section{ padding:96px 0; }
.bht-section-tight{ padding:64px 0; }
.bht-center{ text-align:center; }
.bht-lede{
  color:var(--bht-text-muted);
  font-size:18px;
  max-width:620px;
  margin:16px auto 0;
}

/* ---------------------------------------------------------------------
   Header / Nav
   --------------------------------------------------------------------- */
.bht-header{
  position:sticky;
  top:0;
  z-index:100;
  background:rgba(255,255,255,0.9);
  backdrop-filter:blur(10px);
  border-bottom:1px solid var(--bht-border);
}
.bht-header-inner{
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:24px;
  height:84px;
}
.bht-logo{
  display:flex;
  align-items:center;
  gap:10px;
  font-family:var(--bht-font-display);
  font-weight:800;
  font-size:21px;
  color:var(--bht-navy);
}
.bht-logo-mark{
  width:40px;
  height:40px;
  border-radius:11px;
  background:linear-gradient(135deg,var(--bht-accent),var(--bht-navy));
  color:#fff;
  display:flex;
  align-items:center;
  justify-content:center;
  font-family:var(--bht-font-display);
  font-weight:800;
  font-size:18px;
  flex-shrink:0;
}
.bht-logo-image{
  display:block;
  height:auto;
  width:auto;
  object-fit:contain;
}
.bht-header .bht-logo-image{ max-height:40px; max-width:220px; }
.bht-footer-brand .bht-logo-image{ max-height:48px; max-width:240px; }
.bht-nav{ display:flex; align-items:center; gap:36px; }
.bht-nav-item{ position:relative; }
.bht-nav-link{
  display:flex;
  align-items:center;
  gap:5px;
  font-weight:600;
  font-size:15px;
  color:var(--bht-text);
  padding:8px 0;
}
.bht-nav-link:hover{ color:var(--bht-accent); }
.bht-nav-caret{ font-size:10px; opacity:.6; transition:transform .15s ease; }
.bht-nav-item:hover .bht-nav-caret{ transform:rotate(180deg); }
.bht-nav-dropdown{
  position:absolute;
  top:calc(100% + 14px);
  left:50%;
  transform:translateX(-50%) translateY(6px);
  background:#fff;
  border:1px solid var(--bht-border);
  border-radius:var(--bht-radius-sm);
  box-shadow:var(--bht-shadow-sm);
  min-width:200px;
  padding:10px;
  opacity:0;
  visibility:hidden;
  transition:opacity .15s ease, transform .15s ease, visibility .15s ease;
}
.bht-nav-item:hover .bht-nav-dropdown{
  opacity:1; visibility:visible; transform:translateX(-50%) translateY(0);
}
.bht-nav-dropdown a{
  display:block;
  padding:9px 12px;
  border-radius:8px;
  font-size:14px;
  font-weight:500;
  color:var(--bht-text);
}
.bht-nav-dropdown a:hover{ background:var(--bht-sky); color:var(--bht-accent-dark); }
.bht-header-cta{ display:flex; align-items:center; gap:14px; }
.bht-menu-toggle{
  display:none;
  background:none;
  border:1px solid var(--bht-border);
  border-radius:10px;
  width:44px;
  height:44px;
  align-items:center;
  justify-content:center;
}
.bht-menu-toggle span,
.bht-menu-toggle span::before,
.bht-menu-toggle span::after{
  content:'';
  display:block;
  width:20px;
  height:2px;
  background:var(--bht-navy);
  position:relative;
  transition:.2s;
}
.bht-menu-toggle span::before{ position:absolute; top:-6px; }
.bht-menu-toggle span::after{ position:absolute; top:6px; }

/* ---------------------------------------------------------------------
   Hero slider
   --------------------------------------------------------------------- */
.bht-hero{ overflow:hidden; background:var(--bht-bg); }
.bht-hero-slider{ position:relative; }
.bht-hero-track{
  display:flex;
  transition:transform .6s cubic-bezier(.65,0,.35,1);
}
.bht-hero-slide{
  flex:0 0 100%;
  padding:88px 0 72px;
}
.bht-hero-grid{
  display:grid;
  grid-template-columns:1.05fr 1fr;
  gap:56px;
  align-items:center;
}
.bht-hero-copy h1{ font-size:52px; margin-bottom:20px; }
.bht-hero-copy h1 .bht-highlight{
  background:var(--bht-sky-2);
  padding:2px 12px;
  border-radius:999px;
  display:inline-block;
}
.bht-hero-sub{ font-size:18px; color:var(--bht-text-muted); max-width:460px; margin-bottom:32px; }

.bht-hero-media{ position:relative; }
.bht-hero-photo{
  position:relative;
  border-radius:var(--bht-radius-lg);
  aspect-ratio:4/3.1;
  overflow:hidden;
  box-shadow:var(--bht-shadow);
  background:linear-gradient(150deg,var(--bht-navy),var(--bht-accent-dark));
}
.bht-hero-photo img{
  width:100%;
  height:100%;
  object-fit:cover;
  display:block;
  position:relative;
  z-index:1;
}
.bht-hero-photo::after{
  content:'';
  position:absolute; inset:0;
  background:radial-gradient(circle at 30% 20%, rgba(255,255,255,.22), transparent 55%);
  z-index:2;
  pointer-events:none;
}
.bht-stat-badge{
  position:absolute;
  top:24px;
  left:24px;
  background:var(--bht-navy);
  color:#fff;
  border-radius:16px;
  padding:18px 22px;
  box-shadow:var(--bht-shadow-sm);
  min-width:170px;
}
.bht-stat-number{
  display:block;
  font-family:var(--bht-font-mono);
  font-size:26px;
  font-weight:600;
}
.bht-stat-label{ font-size:13px; opacity:.85; }

.bht-arrow{
  position:absolute;
  top:50%;
  transform:translateY(-50%);
  width:46px;
  height:46px;
  border-radius:50%;
  border:1px solid var(--bht-border);
  background:#fff;
  color:var(--bht-navy);
  font-size:20px;
  display:flex;
  align-items:center;
  justify-content:center;
  box-shadow:var(--bht-shadow-sm);
  z-index:5;
  transition:background .15s ease,color .15s ease;
}
.bht-arrow:hover{ background:var(--bht-accent); color:#fff; }
.bht-arrow-prev{ left:4px; }
.bht-arrow-next{ right:4px; }
.bht-dots{
  display:flex;
  justify-content:center;
  gap:8px;
  margin-top:8px;
  padding-bottom:8px;
}
.bht-dot{
  width:9px; height:9px;
  border-radius:50%;
  background:var(--bht-border);
  border:none;
  padding:0;
  transition:.2s;
}
.bht-dot.is-active{ background:var(--bht-accent); width:26px; border-radius:6px; }

/* ---------------------------------------------------------------------
   Solutions section
   --------------------------------------------------------------------- */
.bht-solutions{
  background:linear-gradient(160deg,var(--bht-sky),var(--bht-sky-2) 60%,var(--bht-bg));
  border-radius:var(--bht-radius-lg);
  margin:0 24px;
  padding:80px 56px;
}
.bht-solutions-inner{
  max-width:calc(var(--bht-container) - 48px);
  margin:0 auto;
  display:grid;
  grid-template-columns:1fr 0.85fr;
  gap:64px;
  align-items:center;
}
.bht-solutions h2{ font-size:36px; margin-bottom:28px; }
.bht-product-row{
  display:flex;
  align-items:center;
  gap:16px;
  background:#fff;
  border-radius:14px;
  padding:18px 20px;
  margin-bottom:14px;
  box-shadow:0 8px 20px -14px rgba(11,44,94,0.25);
}
.bht-product-icon{
  width:44px; height:44px;
  border-radius:50%;
  background:var(--bht-sky);
  color:var(--bht-accent-dark);
  display:flex; align-items:center; justify-content:center;
  flex-shrink:0;
}
.bht-product-row h3{ font-size:16px; margin-bottom:2px; }
.bht-product-row p{ font-size:14px; color:var(--bht-text-muted); margin:0; }
.bht-solutions-ctas{ display:flex; gap:14px; margin-top:24px; }

.bht-solutions-media{ position:relative; }
.bht-solutions-photo{
  border-radius:var(--bht-radius-lg);
  aspect-ratio:3/3.6;
  background:linear-gradient(150deg,var(--bht-navy),var(--bht-accent-dark));
  box-shadow:var(--bht-shadow);
  overflow:hidden;
  position:relative;
}
.bht-solutions-photo img{
  width:100%;
  height:100%;
  object-fit:cover;
  display:block;
}
.bht-solutions-media .bht-stat-badge{
  top:auto; bottom:24px; left:50%;
  transform:translateX(-50%);
  background:#fff;
  color:var(--bht-navy);
  display:flex;
  align-items:center;
  gap:14px;
  min-width:220px;
}
.bht-solutions-media .bht-stat-number{ font-size:24px; }
.bht-solutions-media .bht-stat-label{ color:var(--bht-text-muted); }
.bht-stat-icon{
  width:38px;height:38px;border-radius:10px;
  background:var(--bht-sky);
  display:flex;align-items:center;justify-content:center;
  color:var(--bht-accent-dark);
  flex-shrink:0;
}

/* ---------------------------------------------------------------------
   About section
   --------------------------------------------------------------------- */
.bht-about{ text-align:center; }
.bht-about h2{
  font-size:38px;
  display:inline-flex;
  align-items:center;
  gap:16px;
  justify-content:center;
  flex-wrap:wrap;
}
.bht-about-mark{
  width:46px;height:46px;border-radius:12px;
  background:linear-gradient(135deg,var(--bht-accent),var(--bht-navy));
  color:#fff;
  display:flex;align-items:center;justify-content:center;
  font-family:var(--bht-font-display); font-weight:800;
}
.bht-about-ctas{ display:flex; gap:14px; justify-content:center; margin-top:30px; }

/* ---------------------------------------------------------------------
   Security CTA (bubble background)
   --------------------------------------------------------------------- */
.bht-security{
  position:relative;
  overflow:hidden;
  background:linear-gradient(135deg,#DDEEFF,#CFE7FF);
  border-radius:var(--bht-radius-lg);
  margin:0 24px;
  padding:80px 56px;
}
.bht-security-inner{
  max-width:560px;
  position:relative;
  z-index:2;
}
.bht-security h2{ font-size:38px; margin-bottom:16px; }
.bht-security p{ color:var(--bht-text-muted); font-size:17px; margin-bottom:28px; max-width:480px; }
.bht-security-mark{
  width:56px;height:56px;border-radius:50%;
  background:linear-gradient(135deg,var(--bht-teal),var(--bht-navy));
  margin-bottom:24px;
  display:flex;align-items:center;justify-content:center;
  color:#fff;
}
.bht-bubbles{ position:absolute; inset:0; z-index:1; pointer-events:none; }
.bht-bubble{
  position:absolute;
  border-radius:50%;
  background:radial-gradient(circle at 35% 30%, #6FA8E8, var(--bht-navy) 85%);
  opacity:.85;
}

/* ---------------------------------------------------------------------
   Feature highlight (transaction cards)
   --------------------------------------------------------------------- */
.bht-feature{ text-align:center; }
.bht-feature h2{ font-size:38px; margin-bottom:12px; }
.bht-feature-cards{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:24px;
  margin-top:56px;
  text-align:left;
}
.bht-tx-card{
  position:relative;
  border-radius:var(--bht-radius-md);
  aspect-ratio:3/3.9;
  padding:22px;
  display:flex;
  flex-direction:column;
  justify-content:flex-end;
  color:#fff;
  overflow:hidden;
  box-shadow:var(--bht-shadow-sm);
}
.bht-tx-card::before{
  content:'';
  position:absolute; inset:0;
  opacity:.9;
}
.bht-tx-card.tone-1::before{ background:linear-gradient(160deg,#2B3A55,#0B2C5E); }
.bht-tx-card.tone-2::before{ background:linear-gradient(160deg,#3A2E1F,#5C4326); }
.bht-tx-card.tone-3::before{ background:linear-gradient(160deg,#1F3B33,#0B2C5E); }
.bht-tx-top{
  position:relative; z-index:2;
  display:flex; align-items:center; justify-content:space-between;
  margin-bottom:auto;
}
.bht-tx-icon{
  width:34px;height:34px;border-radius:50%;
  background:rgba(255,255,255,.18);
  display:flex;align-items:center;justify-content:center;
}
.bht-tx-pct{
  font-family:var(--bht-font-mono);
  font-size:13px;
  background:rgba(255,255,255,.16);
  padding:4px 10px;
  border-radius:999px;
}
.bht-tx-amount{
  position:relative; z-index:2;
  font-family:var(--bht-font-mono);
  font-size:28px;
  font-weight:600;
  margin-top:24px;
}
.bht-tx-label{ position:relative; z-index:2; font-size:14px; opacity:.85; margin-bottom:18px;}
.bht-tx-balance{
  position:relative; z-index:2;
  font-size:13px;
  border-top:1px solid rgba(255,255,255,.25);
  padding-top:12px;
}

/* ---------------------------------------------------------------------
   News section
   --------------------------------------------------------------------- */
.bht-news-card{
  display:grid;
  grid-template-columns:1fr 1fr;
  background:#fff;
  border-radius:var(--bht-radius-md);
  overflow:hidden;
  box-shadow:var(--bht-shadow-sm);
  max-width:920px;
  margin:56px auto 0;
  text-align:left;
}
.bht-news-body{ padding:40px; display:flex; flex-direction:column; }
.bht-news-tag{
  align-self:flex-start;
  background:var(--bht-sky);
  color:var(--bht-accent-dark);
  font-size:12px;
  font-weight:700;
  padding:5px 12px;
  border-radius:999px;
  margin-bottom:16px;
}
.bht-news-body h3{ font-size:22px; margin-bottom:12px; }
.bht-news-body p{ color:var(--bht-text-muted); font-size:15px; margin-bottom:20px; }
.bht-news-meta{ font-size:13px; color:var(--bht-text-muted); margin-top:auto; }
.bht-news-media{
  background:linear-gradient(150deg,var(--bht-navy),var(--bht-accent-dark));
  min-height:220px;
  position:relative;
  overflow:hidden;
}
.bht-news-media img{
  position:absolute; inset:0;
  width:100%; height:100%;
  object-fit:cover;
  display:block;
}

/* ---------------------------------------------------------------------
   Footer
   --------------------------------------------------------------------- */
.bht-footer{ background:var(--bht-surface); border-top:1px solid var(--bht-border); padding-top:72px; }
.bht-footer-inner{
  display:grid;
  grid-template-columns:1.4fr 1fr 1fr 1fr;
  gap:40px;
  padding-bottom:56px;
}
.bht-footer-brand p{ color:var(--bht-text-muted); font-size:14px; margin:16px 0 20px; max-width:280px; }
.bht-footer-social{ display:flex; gap:10px; }
.bht-footer-social a{
  width:38px;height:38px;border-radius:50%;
  background:var(--bht-sky);
  color:var(--bht-navy);
  display:flex;align-items:center;justify-content:center;
}
.bht-footer-col h4{ font-family:var(--bht-font-display); font-size:15px; color:var(--bht-navy); margin-bottom:16px; }
.bht-footer-col a{ display:block; font-size:14px; color:var(--bht-text-muted); padding:6px 0; }
.bht-footer-col a:hover{ color:var(--bht-accent); }
.bht-footer-bottom{
  background:var(--bht-navy);
  color:#cfe0ff;
  padding:22px 0;
  font-size:13px;
}
.bht-footer-bottom-inner{
  display:flex;
  justify-content:space-between;
  flex-wrap:wrap;
  gap:12px;
}
.bht-footer-legal a{ color:#cfe0ff; margin-left:16px; }
.bht-footer-legal a:first-child{ margin-left:0; }
.bht-footer-reg{
  max-width:var(--bht-container);
  margin:14px auto 0;
  padding:0 24px;
  text-align:center;
  font-size:12.5px;
  opacity:.85;
}

/* ---------------------------------------------------------------------
   Responsive
   --------------------------------------------------------------------- */
@media (max-width: 980px){
  .bht-hero-grid{ grid-template-columns:1fr; }
  .bht-hero-copy h1{ font-size:40px; }
  .bht-solutions-inner{ grid-template-columns:1fr; }
  .bht-solutions{ padding:56px 28px; }
  .bht-security{ padding:56px 28px; }
  .bht-feature-cards{ grid-template-columns:1fr 1fr; }
  .bht-news-card{ grid-template-columns:1fr; }
  .bht-news-media{ order:-1; min-height:180px; }
  .bht-footer-inner{ grid-template-columns:1fr 1fr; }
}
@media (max-width: 760px){
  .bht-nav, .bht-header-cta .bht-btn-secondary{ display:none; }
  .bht-menu-toggle{ display:flex; }
  .bht-section{ padding:64px 0; }
  .bht-feature-cards{ grid-template-columns:1fr; }
  .bht-footer-inner{ grid-template-columns:1fr; }
  .bht-hero-copy h1{ font-size:32px; }
  .bht-about h2, .bht-security h2, .bht-feature h2{ font-size:28px; }
}

/* Mobile nav (open state, toggled via JS) */
.bht-body.bht-nav-open .bht-nav{
  display:flex;
  flex-direction:column;
  align-items:flex-start;
  gap:4px;
  position:fixed;
  top:84px; left:0; right:0;
  background:#fff;
  padding:16px 24px 24px;
  border-bottom:1px solid var(--bht-border);
  box-shadow:var(--bht-shadow-sm);
}
.bht-body.bht-nav-open .bht-nav-dropdown{
  position:static; opacity:1; visibility:visible; transform:none;
  box-shadow:none; border:none; padding-left:12px; display:none;
}
.bht-body.bht-nav-open .bht-nav-item.is-open .bht-nav-dropdown{ display:block; }

/* =====================================================================
   About Us page — intro, mission/vision, values sections
   ===================================================================== */
.bht-about-intro-inner{ max-width:900px; margin:0 auto; }
.bht-about-intro h1{ font-size:44px; margin:18px 0 14px; }
.bht-lede-lg{ font-size:19px; max-width:700px; }
.bht-about-body{ text-align:left; margin:36px 0 32px; }
.bht-about-body p{
  font-weight:600;
  color:var(--bht-text);
  font-size:16px;
  line-height:1.75;
  margin:0 0 22px;
}

.bht-heading-highlight{ font-size:38px; margin-bottom:12px; }
.bht-heading-highlight span{
  background:var(--bht-sky-2);
  padding:6px 22px;
  border-radius:999px;
  display:inline-block;
}

.bht-mv-grid{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:64px;
  align-items:center;
  margin-top:56px;
}
.bht-mv-copy h3{ font-size:20px; margin:0 0 14px; }
.bht-mv-copy h3:not(:first-child){ margin-top:32px; }
.bht-mv-copy p{ color:var(--bht-text-muted); font-size:15px; line-height:1.7; margin:0 0 14px; }
.bht-mv-media img{
  width:100%;
  height:100%;
  object-fit:cover;
  border-radius:var(--bht-radius-md);
  box-shadow:var(--bht-shadow-sm);
  aspect-ratio:4/3;
}

.bht-values-card{
  background:#fff;
  border-radius:var(--bht-radius-lg);
  box-shadow:var(--bht-shadow-sm);
  padding:48px;
  margin-top:56px;
  display:grid;
  grid-template-columns:0.9fr 1.1fr;
  gap:56px;
  align-items:center;
}
.bht-values-media{ position:relative; }
.bht-values-media img{
  width:100%;
  display:block;
  border-radius:18px;
  aspect-ratio:3/3.6;
  object-fit:cover;
}
.bht-values-wave{
  position:absolute;
  left:0; right:0;
  height:56px;
  background:
    repeating-linear-gradient(90deg, transparent 0 10px, rgba(47,111,237,.35) 10px 11px),
    linear-gradient(180deg, var(--bht-sky-2), transparent);
  border-radius:18px 18px 0 0;
  pointer-events:none;
}
.bht-values-wave-top{ top:-20px; }
.bht-values-wave-bottom{ bottom:-20px; transform:rotate(180deg); border-radius:18px 18px 0 0; }

.bht-values-list{ display:flex; flex-direction:column; gap:28px; }
.bht-value-row{ display:flex; gap:18px; align-items:flex-start; }
.bht-value-icon{
  width:46px; height:46px;
  border-radius:50%;
  border:1.5px solid var(--bht-border);
  color:var(--bht-navy);
  display:flex; align-items:center; justify-content:center;
  flex-shrink:0;
}
.bht-value-icon svg{ width:20px; height:20px; }
.bht-value-row h3{ font-size:17px; margin-bottom:4px; }
.bht-value-row p{ font-size:14.5px; color:var(--bht-text-muted); margin:0; line-height:1.6; }

@media (max-width: 900px){
  .bht-mv-grid{ grid-template-columns:1fr; gap:32px; }
  .bht-values-card{ grid-template-columns:1fr; padding:32px; gap:40px; }
  .bht-about-intro h1{ font-size:34px; }
}

/* =====================================================================
   Security Tips page — article layout
   ===================================================================== */
.bht-article-inner{ max-width:860px; margin:0 auto; }
.bht-article-inner h1{ font-size:42px; margin-bottom:20px; }
.bht-article-intro{ font-size:17px; color:var(--bht-text-muted); margin-bottom:8px; }

.bht-article-section{ margin-top:44px; }
.bht-article-section h2{
  font-size:23px;
  color:var(--bht-navy);
  margin-bottom:14px;
  padding-bottom:10px;
  border-bottom:2px solid var(--bht-sky-2);
}
.bht-article-section p{
  font-size:15.5px;
  line-height:1.7;
  color:var(--bht-text);
  margin:0 0 12px;
}
.bht-article-list{
  margin:14px 0 8px;
  padding:0;
  list-style:none;
}
.bht-article-list li{
  position:relative;
  padding-left:26px;
  font-size:15px;
  line-height:1.7;
  color:var(--bht-text);
  margin-bottom:10px;
}
.bht-article-list li::before{
  content:'';
  position:absolute;
  left:4px;
  top:9px;
  width:7px;
  height:7px;
  border-radius:50%;
  background:var(--bht-accent);
}
.bht-article-image{
  width:100%;
  border-radius:var(--bht-radius-md);
  box-shadow:var(--bht-shadow-sm);
  margin-top:24px;
  aspect-ratio:12/5;
  object-fit:cover;
}
.bht-article-cta{ margin-top:56px; }

@media (max-width: 760px){
  .bht-article-inner h1{ font-size:30px; }
  .bht-article-section h2{ font-size:20px; }
}

/* =====================================================================
   Credit Card page — hero photo variant, feature list, card grid,
   key-advantages grid
   ===================================================================== */
.bht-card-hero-photo img{
  width:100%; height:100%;
  object-fit:cover;
  border-radius:var(--bht-radius-lg);
}
.bht-card-hero-photo{ padding:0; background:none; box-shadow:var(--bht-shadow); }
.bht-card-hero-photo::after{ display:none; }

.bht-product-heading{
  font-size:34px;
  display:inline-flex;
  align-items:center;
  gap:10px;
  flex-wrap:wrap;
  justify-content:center;
}
.bht-product-mark{ width:36px; height:36px; font-size:15px; border-radius:9px; }

.bht-feature-list-card{
  background:#fff;
  border-radius:var(--bht-radius-lg);
  box-shadow:var(--bht-shadow-sm);
  padding:48px;
  display:grid;
  grid-template-columns:0.85fr 1.15fr;
  gap:56px;
  align-items:start;
}
.bht-feature-list{ display:flex; flex-direction:column; }
.bht-feature-list-row{
  display:flex;
  gap:16px;
  align-items:flex-start;
  padding:20px 0;
  border-bottom:1px solid var(--bht-border);
}
.bht-feature-list-row:last-child{ border-bottom:none; padding-bottom:0; }
.bht-feature-list-row:first-child{ padding-top:0; }
.bht-feature-list-icon{
  width:38px; height:38px;
  border-radius:50%;
  background:var(--bht-sky);
  color:var(--bht-navy);
  display:flex; align-items:center; justify-content:center;
  flex-shrink:0;
}
.bht-feature-list-icon svg{ width:18px; height:18px; }
.bht-feature-list-row h3{ font-size:17px; margin-bottom:6px; }
.bht-feature-list-row p{ font-size:14.5px; color:var(--bht-text-muted); margin:0; line-height:1.65; }

.bht-card-grid{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:24px;
  margin-top:48px;
  text-align:left;
}
.bht-card-tile{
  background:#fff;
  border-radius:var(--bht-radius-md);
  overflow:hidden;
  box-shadow:var(--bht-shadow-sm);
}
.bht-card-tile img{ width:100%; aspect-ratio:16/10; object-fit:cover; display:block; }
.bht-card-tile-body{ padding:26px; }
.bht-card-tile-tag{
  font-size:12px;
  font-weight:700;
  letter-spacing:.04em;
  color:var(--bht-accent-dark);
  margin-bottom:10px;
  display:block;
}
.bht-card-tile-body h3{ font-size:19px; margin-bottom:10px; color:var(--bht-navy); }
.bht-card-tile-body p{ font-size:14.5px; color:var(--bht-text-muted); line-height:1.65; margin:0; }

.bht-adv-image{
  max-width:280px;
  width:100%;
  margin:28px auto;
  border-radius:16px;
  box-shadow:var(--bht-shadow-sm);
  display:block;
}
.bht-adv-grid{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:20px;
  margin-top:40px;
  text-align:left;
}
.bht-adv-tile{
  background:#fff;
  border-radius:16px;
  box-shadow:var(--bht-shadow-sm);
  padding:26px;
  display:flex;
  align-items:center;
  gap:16px;
}
.bht-adv-icon{
  width:46px; height:46px;
  border-radius:50%;
  background:var(--bht-sky);
  color:var(--bht-accent-dark);
  display:flex; align-items:center; justify-content:center;
  flex-shrink:0;
}
.bht-adv-icon svg{ width:20px; height:20px; }
.bht-adv-tile h3{ font-size:15.5px; margin:0; color:var(--bht-navy); }

@media (max-width: 900px){
  .bht-feature-list-card{ grid-template-columns:1fr; padding:32px; gap:32px; }
  .bht-card-grid{ grid-template-columns:1fr; }
  .bht-adv-grid{ grid-template-columns:1fr; }
}

/* =====================================================================
   Prepaid Cards page — hero spark, chart stat badges, why-choose
   split, benefit grid
   ===================================================================== */
.bht-spark{
  position:absolute;
  left:-34px;
  top:38%;
  color:var(--bht-text-muted);
  opacity:.55;
  width:40px;
  height:40px;
}
.bht-prepaid-hero-media{ position:relative; }

.bht-stat-badge-chart{ display:flex; flex-direction:column; gap:6px; }
.bht-mini-bars{
  display:flex;
  align-items:flex-end;
  gap:4px;
  height:28px;
  margin-top:4px;
}
.bht-mini-bars span{
  width:7px;
  border-radius:3px 3px 0 0;
  background:linear-gradient(180deg,var(--bht-accent),var(--bht-teal));
  display:block;
}

.bht-why-media{ position:relative; }
.bht-why-photo img{
  width:100%; height:100%;
  object-fit:cover;
  border-radius:var(--bht-radius-lg);
}
.bht-why-photo{ background:none; box-shadow:var(--bht-shadow); padding:0; }
.bht-why-photo::after{ display:none; }
.bht-why-stat-badge{
  position:absolute;
  bottom:-24px;
  left:24px;
  top:auto;
  background:#fff;
  color:var(--bht-text);
  min-width:200px;
  padding:20px 22px;
  display:flex;
  flex-direction:column;
  gap:4px;
}
.bht-why-stat-badge .bht-stat-icon{ margin-bottom:6px; }
.bht-why-stat-badge .bht-stat-label{ font-size:13px; color:var(--bht-text-muted); }
.bht-stat-number-lg{ font-size:26px; color:var(--bht-navy); }
.bht-why-badge{
  position:absolute;
  top:20px;
  right:20px;
  background:var(--bht-navy);
  color:#fff;
  font-size:11px;
  font-weight:700;
  padding:4px 10px;
  border-radius:999px;
}
.bht-why-sparkline{ width:100%; height:24px; color:var(--bht-accent); margin-top:6px; }

.bht-why-heading{
  font-size:36px;
  margin-bottom:28px;
  line-height:1.2;
}
.bht-why-heading span{ color:var(--bht-text-muted); font-weight:600; }
.bht-why-audience-row{ margin-bottom:14px; }
.bht-why-choose .bht-solutions-inner{ align-items:start; padding-top:24px; }

.bht-benefit-grid{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:20px;
  margin-top:48px;
  text-align:left;
}
.bht-benefit-tile{
  background:var(--bht-bg);
  border-radius:16px;
  padding:26px;
  display:flex;
  align-items:center;
  gap:16px;
}
.bht-benefit-icon{
  width:48px; height:48px;
  border-radius:50%;
  background:var(--bht-sky);
  color:var(--bht-accent-dark);
  display:flex; align-items:center; justify-content:center;
  flex-shrink:0;
}
.bht-benefit-icon svg{ width:20px; height:20px; }
.bht-benefit-tile h3{ font-size:16px; margin-bottom:2px; color:var(--bht-navy); }
.bht-benefit-tile p{ font-size:13.5px; color:var(--bht-text-muted); margin:0; }

@media (max-width: 900px){
  .bht-spark{ display:none; }
  .bht-why-stat-badge{ position:static; margin-top:16px; }
  .bht-benefit-grid{ grid-template-columns:1fr; }
  .bht-why-heading{ font-size:30px; }
}

/* =====================================================================
   Fixed Term Deposits page — country cards, flag icons
   ===================================================================== */
.bht-term-stat-badge{
  display:block;
  min-width:220px;
}
.bht-term-stat-badge .bht-stat-number-lg{ display:block; font-size:30px; margin-bottom:4px; }
.bht-term-stat-badge .bht-stat-label{ font-size:14px; color:var(--bht-text-muted); line-height:1.4; }

.bht-country-row{
  display:flex;
  align-items:center;
  gap:16px;
  background:#fff;
  border-radius:14px;
  padding:20px 22px;
  margin-bottom:14px;
  box-shadow:0 8px 20px -14px rgba(11,44,94,0.25);
  transition:transform .15s ease, box-shadow .15s ease;
}
.bht-country-row:hover{ transform:translateY(-2px); box-shadow:0 12px 26px -14px rgba(11,44,94,0.35); }
.bht-flag-icon{
  width:44px; height:44px;
  border-radius:50%;
  overflow:hidden;
  flex-shrink:0;
  box-shadow:0 0 0 1px var(--bht-border);
}
.bht-flag-icon svg{ display:block; width:100%; height:100%; }
.bht-country-row h3{ font-size:17px; margin-bottom:2px; color:var(--bht-navy); }
.bht-country-link{ font-size:14px; font-weight:600; color:var(--bht-accent-dark); }

@media (max-width: 760px){
  .bht-term-stat-badge{ min-width:0; }
}

/* =====================================================================
   Consumer Loans page — two-column intro, multi-link country rows
   ===================================================================== */
.bht-loan-intro-grid{
  display:grid;
  grid-template-columns:0.85fr 1.15fr;
  gap:56px;
  align-items:center;
}
.bht-loan-intro-grid h2{ font-size:26px; margin-bottom:18px; }
.bht-loan-intro-grid p{ font-size:15.5px; color:var(--bht-text-muted); line-height:1.7; margin:0 0 14px; }
.bht-loan-intro-media img{
  width:100%;
  border-radius:var(--bht-radius-lg);
  box-shadow:var(--bht-shadow);
  aspect-ratio:4/3;
  object-fit:cover;
}

.bht-loan-country-row{ align-items:center; cursor:default; }
.bht-loan-country-row:hover{ transform:none; box-shadow:0 8px 20px -14px rgba(11,44,94,0.25); }
.bht-loan-links{ display:flex; flex-wrap:wrap; gap:6px 18px; margin-top:4px; }

@media (max-width: 900px){
  .bht-loan-intro-grid{ grid-template-columns:1fr; }
}

/* =====================================================================
   Contact Us page — form, office card
   ===================================================================== */
.bht-contact-grid{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:40px;
  align-items:stretch;
}
.bht-contact-card{
  background:#fff;
  border-radius:var(--bht-radius-lg);
  box-shadow:var(--bht-shadow-sm);
  padding:44px;
}
.bht-contact-card h2{ font-size:26px; margin-bottom:10px; }
.bht-contact-sub{ font-size:15px; color:var(--bht-text-muted); margin-bottom:24px; }
.bht-form-label{
  display:block;
  font-weight:700;
  font-size:14px;
  color:var(--bht-navy);
  margin-bottom:8px;
}
.bht-form-input{
  width:100%;
  border:1px solid var(--bht-border);
  border-radius:10px;
  padding:12px 14px;
  font-family:var(--bht-font-body);
  font-size:14.5px;
  color:var(--bht-text);
  margin-bottom:20px;
  background:#fff;
}
.bht-form-input:focus{ outline:none; border-color:var(--bht-accent); box-shadow:0 0 0 3px rgba(47,111,237,0.15); }
.bht-form-textarea{ min-height:120px; resize:vertical; font-family:inherit; }
.bht-hp-field{
  position:absolute;
  left:-9999px;
  width:1px;
  height:1px;
  overflow:hidden;
}

.bht-form-notice{
  border-radius:10px;
  padding:12px 16px;
  font-size:14px;
  margin-bottom:20px;
}
.bht-form-notice-success{ background:#E7F7EC; color:#146C2E; border:1px solid #BEE8C9; }
.bht-form-notice-error{ background:#FDECEC; color:#B3261E; border:1px solid #F6C6C4; }

.bht-contact-media img{
  width:100%; height:100%;
  object-fit:cover;
  border-radius:var(--bht-radius-lg);
  box-shadow:var(--bht-shadow);
}

.bht-office-card{
  background:var(--bht-sky-2);
  border-radius:var(--bht-radius-lg);
  padding:48px 40px;
}
.bht-office-icon{
  width:48px; height:48px;
  color:var(--bht-navy);
  display:inline-flex;
  align-items:center;
  justify-content:center;
  margin-bottom:16px;
}
.bht-office-icon svg{ width:100%; height:100%; }
.bht-office-card h3{ font-size:22px; margin-bottom:16px; }
.bht-office-address{ font-size:15px; color:var(--bht-text); line-height:1.6; margin:0 0 12px; }
.bht-office-line{ font-size:15px; color:var(--bht-text); margin:0 0 6px; }

@media (max-width: 900px){
  .bht-contact-grid{ grid-template-columns:1fr; }
  .bht-contact-media{ order:-1; }
  .bht-contact-media img{ aspect-ratio:16/10; }
}

/* =====================================================================
   Management Team page — board grid, committee card
   ===================================================================== */
.bht-board-grid{
  display:grid;
  grid-template-columns:repeat(2, minmax(0, 340px));
  justify-content:center;
  gap:28px;
  margin-top:48px;
  text-align:left;
}
.bht-board-card{
  position:relative;
  border-radius:var(--bht-radius-md);
  overflow:hidden;
  box-shadow:var(--bht-shadow-sm);
  background:#fff;
}
.bht-board-card img{
  width:100%;
  aspect-ratio:3/3.6;
  object-fit:cover;
  display:block;
  filter:grayscale(1);
}
.bht-board-card::after{
  content:'';
  position:absolute;
  left:0; right:0; bottom:0;
  height:42%;
  background:linear-gradient(180deg, transparent, var(--bht-accent) 60%);
  pointer-events:none;
}
.bht-board-card-info{
  position:absolute;
  left:0; right:0; bottom:0;
  padding:22px 20px;
  color:#fff;
  text-align:center;
  z-index:2;
}
.bht-board-card-info h3{ font-size:18px; color:#fff; margin-bottom:4px; }
.bht-board-card-info p{ font-size:14.5px; margin:0; opacity:.95; }

.bht-committee-card{
  background:#fff;
  border-radius:var(--bht-radius-lg);
  box-shadow:var(--bht-shadow-sm);
  padding:48px;
  margin-top:48px;
  text-align:left;
}
.bht-committee-block{
  padding:28px 0;
  border-bottom:1px solid var(--bht-border);
}
.bht-committee-block:first-child{ padding-top:0; }
.bht-committee-block:last-child{ border-bottom:none; padding-bottom:0; }
.bht-committee-block h3{ font-size:19px; margin-bottom:14px; color:var(--bht-navy); }
.bht-committee-member{
  font-size:15px;
  color:var(--bht-text-muted);
  margin:0 0 8px;
}
.bht-committee-member strong{ color:var(--bht-text); font-weight:700; }
.bht-committee-member em{ font-style:italic; color:var(--bht-text); }

@media (max-width: 760px){
  .bht-board-grid{ grid-template-columns:minmax(0, 340px); }
  .bht-committee-card{ padding:28px; }
}