/* ======================================
   AMERICAN-CREST BANK
   Main Stylesheet (with Light/Dark Mode)
====================================== */

:root {
  --bg: #0b1220;
  --bg-soft: #101b2d;
  --card: #152238;
  --card-hover: #1b2c45;
  --primary: #0789e8;
  --primary-light: #24a4ff;
  --text: #f3f7fc;
  --muted: #a3b1c5;
  --border: rgba(255, 255, 255, 0.09);
  --success: #35c99a;
  --radius: 16px;
  --transition: 0.3s ease;
  --header-bg: rgba(8, 15, 28, 0.97);
  --footer-bg: #080f1b;
  --stats-bg: #0e1b2c;
  --services-bg: #0e1929;
}

/* Light Theme */
[data-theme="light"] {
  --bg: #f2f6fb;
  --bg-soft: #e9f0f8;
  --card: #ffffff;
  --card-hover: #edf5fc;
  --text: #132238;
  --muted: #607187;
  --border: rgba(19, 34, 56, 0.12);
  --header-bg: rgba(255, 255, 255, 0.95);
  --footer-bg: #ffffff;
  --stats-bg: #eaf1f8;
  --services-bg: #eaf1f8;
}

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

html {
  scroll-behavior: smooth;
  scroll-padding-top: 90px;
}

body {
  font-family: "Inter", sans-serif;
  background: var(--bg);
  color: var(--text);
  line-height: 1.7;
  overflow-x: hidden;
  transition: background 0.3s ease, color 0.3s ease;
}

a {
  color: inherit;
  text-decoration: none;
}

button {
  font: inherit;
  cursor: pointer;
}

img {
  display: block;
  max-width: 100%;
}

section {
  scroll-margin-top: 80px;
}

/* HEADER */

.header {
  height: 76px;
  padding: 0 6%;
  background: var(--header-bg);
  border-bottom: 1px solid var(--border);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 25px;
  position: sticky;
  top: 0;
  z-index: 1000;
  backdrop-filter: blur(15px);
  transition: background 0.3s ease, border-color 0.3s ease;
}

.logo {
  display: flex;
  align-items: center;
  gap: 11px;
  font-weight: 800;
  font-size: 17px;
  line-height: 1.25;
  white-space: nowrap;
}

.logo small {
  display: block;
  font-size: 11px;
  color: var(--muted);
  font-weight: 500;
  letter-spacing: 2px;
  text-transform: uppercase;
}

.logo-icon {
  display: grid;
  place-items: center;
  height: 42px;
  width: 42px;
  color: #fff;
  border-radius: 12px;
  background: linear-gradient(135deg, #0875cf, #20a5ff);
  box-shadow: 0 5px 20px rgba(7, 137, 232, 0.2);
}

.nav {
  display: flex;
  align-items: center;
  gap: 25px;
}

.nav-link,
.dropdown-toggle {
  color: var(--muted);
  font-size: 13px;
  font-weight: 600;
  transition: var(--transition);
}

.nav-link:hover,
.nav-link.active,
.dropdown-toggle:hover {
  color: var(--primary-light);
}

.dropdown {
  position: relative;
}

.dropdown-toggle {
  background: transparent;
  border: none;
}

.dropdown-toggle i {
  font-size: 10px;
  margin-left: 5px;
}

.dropdown-menu {
  display: none;
  position: absolute;
  top: 32px;
  left: -15px;
  width: 205px;
  padding: 9px;
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: 12px;
  box-shadow: 0 15px 35px #0005;
}

.dropdown.open .dropdown-menu {
  display: block;
}

.dropdown-menu a {
  display: block;
  padding: 10px 12px;
  border-radius: 8px;
  color: var(--muted);
  font-size: 12px;
}

.dropdown-menu a:hover {
  background: var(--card-hover);
  color: var(--primary-light);
}

/* Theme Toggle Icon Button */
.theme-toggle {
  width: 40px;
  height: 40px;
  display: grid;
  place-items: center;
  border-radius: 11px;
  background: var(--card);
  border: 1px solid var(--border);
  color: var(--muted);
  font-size: 16px;
  transition: all 0.25s ease;
}

.theme-toggle:hover {
  color: var(--primary);
  border-color: var(--primary);
  transform: scale(1.06);
}

.header-actions {
  display: flex;
  align-items: center;
  gap: 14px;
}

.login-link {
  color: var(--muted);
  font-size: 13px;
  font-weight: 600;
}

.login-link:hover {
  color: var(--text);
}

.menu-toggle,
.mobile-nav-actions {
  display: none;
}

/* BUTTONS */

.btn {
  display: inline-flex;
  justify-content: center;
  align-items: center;
  gap: 9px;
  padding: 12px 20px;
  border-radius: 9px;
  border: 1px solid transparent;
  font-size: 13px;
  font-weight: 700;
  transition: var(--transition);
  text-align: center;
}

.btn-primary {
  color: white;
  background: linear-gradient(120deg, #087bdb, #079cf3);
  box-shadow: 0 6px 20px rgba(7, 137, 232, 0.16);
}

.btn-primary:hover {
  transform: translateY(-2px);
  background: linear-gradient(120deg, #086cc0, #168fe1);
  box-shadow: 0 10px 25px rgba(7, 137, 232, 0.25);
}

.btn-outline {
  color: var(--text);
  border-color: var(--border);
  background: transparent;
}

.btn-outline:hover {
  background: var(--card);
}

.btn-glass {
  color: white;
  background: rgba(255, 255, 255, 0.07);
  border-color: rgba(255, 255, 255, 0.18);
  backdrop-filter: blur(10px);
}

.btn-glass:hover {
  background: rgba(255, 255, 255, 0.15);
}

.btn-large {
  width: 240px;
  padding: 15px 18px;
  font-size: 13px;
}

/* HERO */

.hero {
  min-height: 650px;
  height: calc(100vh - 76px);
  max-height: 850px;
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 60px 20px;
  background-image: url("bank1.jpeg");
  background-size: cover;
  background-position: center;
  overflow: hidden;
}

.hero-overlay {
  position: absolute;
  inset: 0;
  background:
    linear-gradient(90deg, rgba(5, 12, 24, 0.88), rgba(5, 12, 24, 0.57)),
    linear-gradient(0deg, rgba(5, 12, 24, 0.7), transparent 55%);
}

.hero-content {
  max-width: 850px;
  width: 100%;
  position: relative;
  z-index: 1;
  text-align: center;
  animation: fadeUp 0.8s ease both;
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 11px;
  letter-spacing: 1.7px;
  font-weight: 700;
  color: #50b9ff;
  text-transform: uppercase;
  margin-bottom: 18px;
}

.hero-icon {
  display: grid;
  place-items: center;
  margin: 0 auto 17px;
  width: 65px;
  height: 65px;
  border-radius: 17px;
  background: rgba(7, 137, 232, 0.2);
  border: 1px solid rgba(70, 174, 255, 0.35);
  color: #fff;
  font-size: 26px;
  backdrop-filter: blur(10px);
}

.hero h1 {
  font-size: clamp(32px, 5vw, 58px);
  line-height: 1.15;
  letter-spacing: -1.8px;
  font-weight: 800;
  margin-bottom: 12px;
}

.hero h2 {
  font-size: clamp(18px, 2.5vw, 27px);
  font-weight: 500;
  margin-bottom: 20px;
}

.hero-content > p {
  color: #e0e8f2;
  max-width: 620px;
  margin: 0 auto 28px;
  font-size: 15px;
}

.hero-buttons {
  display: flex;
  justify-content: center;
  flex-wrap: wrap;
  gap: 13px;
}

.hero-trust {
  display: flex;
  justify-content: center;
  flex-wrap: wrap;
  gap: 25px;
  margin-top: 28px;
  font-size: 11px;
  color: #d3ddeb;
}

.hero-trust i {
  color: #4dbbff;
  margin-right: 6px;
}

.scroll-down {
  position: absolute;
  bottom: 25px;
  left: 50%;
  transform: translateX(-50%);
  width: 36px;
  height: 36px;
  border-radius: 50%;
  display: grid;
  place-items: center;
  border: 1px solid #ffffff40;
  color: white;
  animation: bounce 2s infinite;
}

/* STATS */

.stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  padding: 32px 8%;
  background: var(--stats-bg);
  border-bottom: 1px solid var(--border);
  transition: background 0.3s ease;
}

.stat {
  text-align: center;
  padding: 12px 20px;
  border-right: 1px solid var(--border);
}

.stat:last-child {
  border: none;
}

.stat > i {
  color: var(--primary-light);
  font-size: 22px;
  margin-bottom: 8px;
}

.stat h3 {
  font-size: 16px;
  font-weight: 700;
}

.stat p {
  color: var(--muted);
  font-size: 12px;
}

/* MEMBER CARD */

.member-section {
  padding: 75px 7%;
}

.member-card {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  align-items: center;
  gap: 40px;
  max-width: 1200px;
  margin: auto;
  padding: 38px;
  background: linear-gradient(130deg, #12263d, #0e1a2b);
  border: 1px solid var(--border);
  border-radius: 20px;
  overflow: hidden;
  transition: background 0.3s ease;
}

[data-theme="light"] .member-card {
  background: linear-gradient(130deg, #ffffff, #eaf3fb);
}

.pill {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  color: #8bd3ff;
  background: rgba(7, 137, 232, 0.12);
  border: 1px solid rgba(7, 137, 232, 0.2);
  border-radius: 50px;
  padding: 7px 13px;
  font-size: 11px;
  margin-bottom: 20px;
}

.member-card h2 {
  font-size: clamp(25px, 3vw, 38px);
  line-height: 1.25;
  margin-bottom: 17px;
}

.member-card p {
  color: var(--muted);
  font-size: 14px;
  margin-bottom: 25px;
  max-width: 490px;
}

.member-card-image {
  height: 300px;
  overflow: hidden;
  border-radius: 14px;
}

.member-card-image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.6s ease;
}

.member-card-image:hover img {
  transform: scale(1.05);
}

/* SECTION GENERAL */

.section {
  padding: 90px 7%;
}

.section-heading {
  max-width: 650px;
  text-align: center;
  margin: 0 auto 48px;
}

.section-heading h2 {
  font-size: clamp(26px, 3.5vw, 39px);
  line-height: 1.25;
  margin-bottom: 14px;
}

.section-heading p {
  color: var(--muted);
  font-size: 14px;
}

/* SERVICES */

.services-section {
  background: var(--services-bg);
  transition: background 0.3s ease;
}

.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  max-width: 1200px;
  margin: auto;
}

.service-card {
  padding: 30px;
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  transition: var(--transition);
}

.service-card:hover {
  transform: translateY(-5px);
  border-color: rgba(7, 137, 232, 0.45);
  background: var(--card-hover);
}

.service-icon {
  width: 52px;
  height: 52px;
  display: grid;
  place-items: center;
  border-radius: 13px;
  font-size: 20px;
  margin-bottom: 22px;
}

.service-icon.blue {
  color: #5eb9ff;
  background: #087bdb22;
}

.service-icon.purple {
  color: #c39bff;
  background: #9058db25;
}

.service-icon.green {
  color: #56dfb0;
  background: #1eaa7822;
}

.service-icon.orange {
  color: #ffba73;
  background: #e58d3022;
}

.service-icon.pink {
  color: #ff91cf;
  background: #df429822;
}

.service-icon.cyan {
  color: #7be9f0;
  background: #16b8c422;
}

.service-card h3 {
  font-size: 18px;
  margin-bottom: 10px;
}

.service-card p {
  color: var(--muted);
  font-size: 13px;
  min-height: 66px;
  margin-bottom: 20px;
}

.service-card > a {
  color: #4db6ff;
  font-size: 12px;
  font-weight: 700;
}

.service-card > a i {
  margin-left: 5px;
  transition: var(--transition);
}

.service-card > a:hover i {
  transform: translateX(5px);
}

/* ABOUT */

.about-section {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 65px;
  align-items: center;
  max-width: 1450px;
  margin: auto;
}

.about-image {
  position: relative;
  height: 440px;
}

.about-image > img {
  height: 100%;
  width: 100%;
  object-fit: cover;
  border-radius: 18px;
  border: 1px solid var(--border);
}

.image-badge {
  display: flex;
  align-items: center;
  gap: 14px;
  position: absolute;
  bottom: 22px;
  left: 22px;
  right: 22px;
  padding: 16px;
  background: rgba(10, 21, 37, 0.92);
  border: 1px solid var(--border);
  border-radius: 12px;
  backdrop-filter: blur(12px);
}

[data-theme="light"] .image-badge {
  background: rgba(255, 255, 255, 0.95);
}

.image-badge > i {
  font-size: 23px;
  color: #52b9ff;
}

.image-badge strong,
.image-badge span {
  display: block;
}

.image-badge strong {
  font-size: 13px;
}

.image-badge span {
  color: var(--muted);
  font-size: 11px;
}

.about-content h2 {
  font-size: clamp(27px, 3vw, 39px);
  line-height: 1.25;
  margin-bottom: 22px;
}

.about-content > p {
  color: var(--muted);
  font-size: 14px;
  margin-bottom: 17px;
}

.about-features {
  display: grid;
  gap: 13px;
  margin: 27px 0;
}

.about-features div {
  color: var(--text);
  font-size: 13px;
}

.about-features i {
  color: var(--success);
  margin-right: 10px;
}

/* MOBILE BANKING */

.mobile-section {
  display: grid;
  grid-template-columns: 1fr 1fr;
  align-items: center;
  padding: 85px 10%;
  background: linear-gradient(130deg, #0d1c31, #12395a);
  overflow: hidden;
}

[data-theme="light"] .mobile-section {
  background: linear-gradient(130deg, #dbeafe, #bfdbfe);
}

.mobile-content {
  max-width: 530px;
}

.mobile-content h2 {
  font-size: clamp(28px, 4vw, 43px);
  line-height: 1.25;
  margin-bottom: 20px;
}

.mobile-content p {
  color: var(--muted);
  font-size: 14px;
  margin-bottom: 28px;
}

.mobile-visual {
  display: flex;
  justify-content: center;
  padding: 25px;
}

.phone-frame {
  position: relative;
  width: 240px;
  min-height: 400px;
  padding: 12px;
  background: #080c15;
  border: 3px solid #44546a;
  border-radius: 35px;
  box-shadow: 0 30px 80px #0006;
  transform: rotate(4deg);
}

.phone-camera {
  position: absolute;
  z-index: 2;
  width: 75px;
  height: 17px;
  border-radius: 20px;
  background: #080c15;
  top: 17px;
  left: 50%;
  transform: translateX(-50%);
}

.phone-screen {
  height: 100%;
  min-height: 370px;
  padding: 60px 18px 20px;
  text-align: center;
  background: linear-gradient(160deg, #142b45, #0d1727);
  border-radius: 25px;
}

.phone-logo {
  color: #55bdff;
  font-size: 35px;
}

.phone-screen h3 {
  font-size: 17px;
  margin-top: 15px;
}

.phone-screen p {
  font-size: 12px;
  color: var(--muted);
}

.phone-placeholder {
  margin-top: 50px;
  padding: 20px 10px;
  background: #ffffff0b;
  border: 1px solid var(--border);
  border-radius: 12px;
}

.phone-placeholder i,
.phone-placeholder span {
  display: block;
}

.phone-placeholder i {
  font-size: 30px;
  color: #55bdff;
  margin-bottom: 10px;
}

.phone-placeholder span {
  font-size: 11px;
  color: var(--muted);
}

/* CONTACT */

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

.contact-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  max-width: 1050px;
  margin: auto;
}

.contact-card {
  padding: 30px 20px;
  text-align: center;
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: var(--radius);
}

.contact-card > i {
  display: grid;
  place-items: center;
  margin: 0 auto 20px;
  width: 50px;
  height: 50px;
  color: #65c2ff;
  background: #0789e822;
  border-radius: 12px;
  font-size: 20px;
}

.contact-card h3 {
  font-size: 16px;
  margin-bottom: 10px;
}

.contact-card p {
  color: var(--muted);
  font-size: 12px;
}

/* FOOTER */

.footer {
  padding: 65px 7% 20px;
  background: var(--footer-bg);
  border-top: 1px solid var(--border);
  transition: background 0.3s ease;
}

.footer-main {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1fr;
  gap: 40px;
  max-width: 1400px;
  margin: auto;
  padding-bottom: 45px;
}

.footer-brand > p {
  color: var(--muted);
  font-size: 12px;
  max-width: 270px;
  margin: 20px 0;
}

.social-links {
  display: flex;
  gap: 10px;
}

.social-links a {
  display: grid;
  place-items: center;
  width: 36px;
  height: 36px;
  border-radius: 9px;
  background: var(--card);
  color: var(--muted);
  font-size: 13px;
  transition: var(--transition);
}

.social-links a:hover {
  background: var(--primary);
  color: white;
}

.footer-column {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.footer-column h3 {
  font-size: 14px;
  margin-bottom: 8px;
}

.footer-column a {
  color: var(--muted);
  font-size: 12px;
  transition: var(--transition);
}

.footer-column a:hover {
  color: var(--primary-light);
  padding-left: 4px;
}

.footer-bottom {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 15px;
  padding-top: 20px;
  border-top: 1px solid var(--border);
  color: var(--muted);
  font-size: 11px;
}

.footer-bottom > div {
  display: flex;
  gap: 20px;
}

.footer-bottom a:hover {
  color: var(--text);
}

.demo-notice {
  text-align: center;
  margin-top: 20px;
  font-size: 10px;
  color: #74859d;
}

/* FLOATING CONTACT */

.floating-contact {
  position: fixed;
  z-index: 900;
  bottom: 22px;
  left: 22px;
  display: grid;
  place-items: center;
  width: 52px;
  height: 52px;
  border-radius: 50%;
  color: white;
  background: #12b981;
  box-shadow: 0 5px 20px #0005;
  font-size: 22px;
  transition: var(--transition);
}

.floating-contact:hover {
  transform: scale(1.08);
}

/* ANIMATIONS */

@keyframes fadeUp {
  from {
    opacity: 0;
    transform: translateY(20px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

@keyframes bounce {
  0%, 100% { transform: translate(-50%, 0); }
  50% { transform: translate(-50%, 7px); }
}

/* RESPONSIVE */

@media (max-width: 1100px) {
  .header {
    padding: 0 4%;
  }

  .nav {
    gap: 15px;
  }

  .nav-link,
  .dropdown-toggle {
    font-size: 12px;
  }

  .header-actions {
    gap: 12px;
  }

  .header-btn {
    padding: 10px 13px;
    font-size: 12px;
  }

  .services-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .about-section {
    gap: 35px;
  }
}

@media (max-width: 850px) {
  .header {
    height: 68px;
  }

  .menu-toggle {
    display: grid;
    place-items: center;
    width: 42px;
    height: 42px;
    border: 1px solid var(--border);
    border-radius: 10px;
    color: var(--text);
    background: var(--card);
    font-size: 18px;
    margin-left: auto;
    order: 3;
  }

  .header-actions {
    display: flex;
    gap: 10px;
    order: 2;
  }

  .login-link,
  .header-btn {
    display: none;
  }

  .nav {
    position: absolute;
    top: 68px;
    left: 0;
    right: 0;
    display: flex;
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    max-height: calc(100vh - 68px);
    overflow-y: auto;
    padding: 15px 5% 25px;
    background: var(--bg);
    border-bottom: 1px solid var(--border);
    transform: translateY(-10px);
    opacity: 0;
    visibility: hidden;
    transition: var(--transition);
  }

  .nav.open {
    transform: translateY(0);
    opacity: 1;
    visibility: visible;
  }

  .nav-link {
    padding: 13px 10px;
    border-radius: 8px;
  }

  .nav-link:hover {
    background: var(--card);
  }

  .dropdown-toggle {
    display: flex;
    justify-content: space-between;
    width: 100%;
    padding: 13px 10px;
  }

  .dropdown-menu {
    position: static;
    width: 100%;
    margin: 5px 0 10px;
    box-shadow: none;
  }

  .mobile-nav-actions {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 10px;
    margin-top: 15px;
  }

  .hero {
    min-height: 600px;
    height: calc(100vh - 68px);
  }

  .about-section {
    grid-template-columns: 1fr;
  }

  .about-image {
    height: 350px;
  }

  .mobile-section {
    padding: 70px 7%;
  }

  .footer-main {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 600px) {
  .header {
    padding: 0 18px;
  }

  .logo {
    font-size: 14px;
  }

  .logo-icon {
    width: 37px;
    height: 37px;
  }

  .theme-toggle {
    width: 38px;
    height: 38px;
    font-size: 15px;
  }

  .hero {
    min-height: 620px;
    padding: 50px 20px;
    background-position: 55% center;
  }

  .hero h1 {
    font-size: 35px;
    letter-spacing: -1px;
  }

  .hero h2 {
    font-size: 20px;
  }

  .hero-content > p {
    font-size: 13px;
  }

  .hero-buttons {
    flex-direction: column;
    align-items: center;
  }

  .btn-large {
    width: 100%;
    max-width: 320px;
  }

  .hero-trust {
    gap: 10px;
    flex-direction: column;
    font-size: 10px;
  }

  .stats {
    grid-template-columns: 1fr;
    padding: 20px;
  }

  .stat {
    border-right: none;
    border-bottom: 1px solid var(--border);
    padding: 20px 10px;
  }

  .stat:last-child {
    border-bottom: none;
  }

  .member-section {
    padding: 45px 18px;
  }

  .member-card {
    grid-template-columns: 1fr;
    padding: 22px;
    gap: 25px;
  }

  .member-card-image {
    height: 220px;
  }

  .section {
    padding: 65px 18px;
  }

  .section-heading {
    margin-bottom: 32px;
  }

  .services-grid {
    grid-template-columns: 1fr;
    gap: 15px;
  }

  .service-card {
    padding: 25px;
  }

  .service-card p {
    min-height: auto;
  }

  .about-section {
    padding: 60px 20px;
    gap: 30px;
  }

  .about-image {
    height: 280px;
  }

  .image-badge {
    left: 12px;
    right: 12px;
    bottom: 12px;
  }

  .mobile-section {
    grid-template-columns: 1fr;
    padding: 65px 20px;
    text-align: center;
  }

  .mobile-content {
    margin: auto;
  }

  .mobile-visual {
    padding: 45px 0 20px;
  }

  .phone-frame {
    width: 215px;
    min-height: 370px;
  }

  .phone-screen {
    min-height: 340px;
  }

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

  .footer {
    padding: 50px 20px 20px;
  }

  .footer-main {
    grid-template-columns: 1fr 1fr;
    gap: 35px 20px;
  }

  .footer-brand {
    grid-column: 1 / -1;
  }

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

  .footer-bottom > div {
    flex-wrap: wrap;
    justify-content: center;
  }

  .floating-contact {
    bottom: 18px;
    left: 15px;
    width: 46px;
    height: 46px;
  }
}

@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    scroll-behavior: auto !important;
    animation-duration: 0.01ms !important;
    transition-duration: 0.01ms !important;
  }
}