:root{
  --red:#a8040b;
  --red-2:#c00912;
  --red-dark:#76060a;
  --ink:#10131b;
  --muted:#5f6673;
  --soft:#f5f6f8;
  --line:#e6e8ed;
  --white:#fff;
  --shadow:0 22px 60px rgba(16,19,27,.10);
  --container:1200px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  min-width:320px;
  background:#fff;
  color:var(--ink);
  font-family:Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont,"Segoe UI",Roboto,Arial,sans-serif;
  -webkit-font-smoothing:antialiased;
  text-rendering:geometricPrecision;
}
a{color:inherit;text-decoration:none}
img{display:block;max-width:100%;height:auto}
.site-header{
  position:sticky;
  top:0;
  z-index:50;
  height:76px;
  background:rgba(255,255,255,.96);
  border-bottom:1px solid rgba(224,227,233,.95);
  box-shadow:0 7px 24px rgba(16,19,27,.035);
  backdrop-filter:blur(14px);
}
.header-shell{
  width:min(var(--container), calc(100% - 56px));
  height:100%;
  margin:0 auto;
  display:flex;
  align-items:center;
  gap:26px;
}
.brand{display:flex;align-items:center;flex:0 0 auto}
.brand img{width:154px;height:auto}
.nav-links{
  flex:1;
  display:flex;
  align-items:center;
  justify-content:flex-end;
  gap:29px;
  margin-left:34px;
}
.nav-links a{
  position:relative;
  display:inline-flex;
  align-items:center;
  height:76px;
  color:#151923;
  font-size:13px;
  font-weight:750;
  letter-spacing:-.012em;
  white-space:nowrap;
  transition:color .18s ease;
}
.nav-links a:hover{color:var(--red)}
.nav-links a.active{color:#141720}
.nav-links a.active::after{
  content:"";
  position:absolute;
  left:0;
  right:0;
  bottom:21px;
  height:3px;
  border-radius:999px;
  background:var(--red-2);
}
.header-cta{
  flex:0 0 auto;
  min-width:116px;
  height:42px;
  display:inline-flex;
  align-items:center;
  justify-content:center;
  border-radius:5px;
  background:linear-gradient(180deg,#b40610,#93040b);
  color:#fff;
  font-size:13px;
  font-weight:800;
  box-shadow:0 12px 25px rgba(168,4,11,.20);
}
.mobile-toggle{display:none}
.hero{
  position:relative;
  overflow:hidden;
  isolation:isolate;
  background:
    radial-gradient(circle at 6% 30%, rgba(168,4,11,.045), transparent 31%),
    linear-gradient(180deg,#fff 0%,#fff 62%,#fbfcfd 100%);
  padding-top:56px;
  padding-bottom:38px;
}
.hero-bg{
  position:absolute;
  z-index:-3;
  inset:0;
  height:auto;
  background-image:
    linear-gradient(90deg, rgba(255,255,255,.84) 0%, rgba(255,255,255,.70) 37%, rgba(255,255,255,.40) 61%, rgba(255,255,255,.46) 100%),
    linear-gradient(180deg, rgba(255,255,255,1) 0%, rgba(255,255,255,.48) 35%, rgba(255,255,255,.20) 69%, rgba(255,255,255,.92) 100%),
    url("assets/hero-finance-bg.webp");
  background-repeat:no-repeat;
  background-position:center bottom -95px;
  background-size:max(1420px, 100vw) auto;
  opacity:.92;
  pointer-events:none;
  -webkit-mask-image:linear-gradient(180deg, transparent 0%, #000 13%, #000 86%, transparent 100%);
  mask-image:linear-gradient(180deg, transparent 0%, #000 13%, #000 86%, transparent 100%);
}
.hero::before{
  content:"";
  position:absolute;
  z-index:-2;
  inset:0;
  background:
    linear-gradient(90deg, rgba(255,255,255,.76) 0%, rgba(255,255,255,.52) 42%, rgba(255,255,255,.18) 67%, rgba(255,255,255,.42) 100%),
    radial-gradient(circle at 5% 48%, rgba(168,4,11,.040), transparent 26%);
  pointer-events:none;
}
.hero::after{
  content:"";
  position:absolute;
  z-index:-1;
  inset:auto 0 0 0;
  height:245px;
  background:linear-gradient(180deg,rgba(255,255,255,0),#fff 76%);
  pointer-events:none;
}
.hero-shell{
  position:relative;
  width:min(var(--container), calc(100% - 56px));
  margin:0 auto;
  display:grid;
  grid-template-columns:minmax(0, 1fr) minmax(390px, 520px);
  align-items:start;
  gap:58px;
}
.hero-copy{
  padding-top:32px;
  max-width:620px;
  position:relative;
  z-index:2;
}
.hero-pill{
  width:max-content;
  max-width:100%;
  min-height:38px;
  display:inline-flex;
  align-items:center;
  gap:10px;
  padding:8px 13px 8px 10px;
  border:1px solid rgba(232,234,239,.92);
  border-radius:999px;
  background:rgba(255,255,255,.92);
  box-shadow:0 11px 32px rgba(16,19,27,.055);
  color:#4c5260;
  font-size:13px;
  font-weight:760;
}
.pill-icon{
  width:22px;
  height:22px;
  display:inline-grid;
  place-items:center;
  color:var(--red);
  background:#fff;
  border-radius:50%;
  box-shadow:0 2px 9px rgba(168,4,11,.10);
}
.pill-icon svg{width:16px;height:16px}
.pill-arrow{color:var(--red);font-weight:900;font-size:17px;margin-left:2px;line-height:1}
.hero h1{
  margin:24px 0 0;
  max-width:620px;
  color:#11141c;
  font-size:clamp(42px, 4.05vw, 58px);
  line-height:1.055;
  letter-spacing:-.056em;
  font-weight:900;
}
.hero h1 span{color:var(--red)}
.hero-text{
  max-width:550px;
  margin:22px 0 0;
  color:#596170;
  font-size:16.5px;
  line-height:1.72;
  letter-spacing:-.014em;
  font-weight:520;
}
.hero-actions{
  display:flex;
  align-items:center;
  gap:14px;
  margin-top:32px;
  flex-wrap:wrap;
}
.btn{
  height:52px;
  display:inline-flex;
  align-items:center;
  justify-content:center;
  gap:12px;
  padding:0 25px;
  border-radius:6px;
  font-size:14px;
  font-weight:850;
  letter-spacing:-.012em;
  transition:transform .18s ease, box-shadow .18s ease, background .18s ease;
}
.btn:hover{transform:translateY(-1px)}
.btn-primary{
  min-width:172px;
  color:#fff;
  background:linear-gradient(180deg,#b80610,#91050b);
  box-shadow:0 16px 28px rgba(168,4,11,.22);
}
.btn-secondary{
  min-width:188px;
  color:var(--red);
  background:#fff;
  border:1.5px solid rgba(168,4,11,.62);
  box-shadow:0 12px 26px rgba(16,19,27,.04);
}
.trust-row{
  display:flex;
  align-items:center;
  gap:13px;
  margin-top:48px;
}
.avatars{
  display:flex;
  align-items:center;
  padding-left:4px;
}
.avatar{
  width:32px;
  height:32px;
  margin-left:-6px;
  border:2px solid #fff;
  border-radius:50%;
  box-shadow:0 5px 14px rgba(16,19,27,.15);
  background-size:cover;
  background-position:center;
}
.avatar:first-child{margin-left:0}
.avatar-1{background:radial-gradient(circle at 50% 31%,#f5d1a9 0 18%,transparent 19%),radial-gradient(circle at 50% 42%,#44230f 0 20%,transparent 21%),linear-gradient(135deg,#f2c94c,#b80610)}
.avatar-2{background:radial-gradient(circle at 50% 31%,#f1c49a 0 18%,transparent 19%),radial-gradient(circle at 48% 42%,#242831 0 20%,transparent 21%),linear-gradient(135deg,#e7edf5,#366b85)}
.avatar-3{background:radial-gradient(circle at 50% 31%,#c98b61 0 18%,transparent 19%),radial-gradient(circle at 50% 42%,#1b2029 0 20%,transparent 21%),linear-gradient(135deg,#f0f4f8,#0f4e5a)}
.avatar-4{background:radial-gradient(circle at 50% 31%,#f1ba8c 0 18%,transparent 19%),radial-gradient(circle at 50% 42%,#4a2a15 0 20%,transparent 21%),linear-gradient(135deg,#f2a642,#e6e9ee)}
.trust-row p{
  margin:0;
  color:#69707f;
  font-size:12.5px;
  line-height:1.35;
  font-weight:650;
}
.phone-area{
  position:relative;
  height:626px;
  display:flex;
  justify-content:center;
  align-items:flex-start;
  padding-top:0;
  margin-top:-18px;
  z-index:1;
}
.phone-glow{
  position:absolute;
  width:390px;
  height:390px;
  top:62px;
  left:50%;
  transform:translateX(-50%);
  border-radius:50%;
  background:radial-gradient(circle, rgba(168,4,11,.10), rgba(255,255,255,0) 66%);
  filter:blur(16px);
  opacity:.66;
}
.phone-img{
  position:relative;
  z-index:2;
  height:650px;
  width:auto;
  max-width:100%;
  object-fit:contain;
  filter:drop-shadow(0 34px 42px rgba(16,19,27,.24));
}
.feature-shell{
  position:relative;
  z-index:5;
  width:min(var(--container), calc(100% - 56px));
  margin:-18px auto 0;
  min-height:94px;
  display:grid;
  grid-template-columns:repeat(6, minmax(0, 1fr));
  overflow:hidden;
  border:1px solid rgba(225,228,234,.95);
  border-radius:16px;
  background:rgba(255,255,255,.93);
  box-shadow:0 18px 50px rgba(16,19,27,.08);
  backdrop-filter:blur(16px);
}
.feature-card{
  min-width:0;
  display:flex;
  align-items:center;
  gap:13px;
  padding:19px 18px;
  border-right:1px solid rgba(225,228,234,.96);
}
.feature-card:last-child{border-right:0}
.feature-icon{
  flex:0 0 auto;
  width:35px;
  height:35px;
  display:inline-flex;
  align-items:center;
  justify-content:center;
  color:var(--red);
}
.feature-icon svg{width:31px;height:31px}
.feature-card h3{
  margin:0 0 4px;
  font-size:12.8px;
  line-height:1.18;
  letter-spacing:-.018em;
  font-weight:900;
  color:#171b23;
}
.feature-card p{
  margin:0;
  color:#6a7281;
  font-size:11.4px;
  line-height:1.32;
  font-weight:620;
}

.offers-section{
  position:relative;
  overflow:hidden;
  background:
    radial-gradient(circle at 7% 18%, rgba(168,4,11,.030), transparent 25%),
    linear-gradient(180deg,#fff 0%,#fbfcfd 100%);
  padding:34px 0 50px;
}
.offers-section::before{
  content:"";
  position:absolute;
  inset:0;
  background:
    linear-gradient(90deg, rgba(255,255,255,.92), rgba(255,255,255,.74)),
    radial-gradient(circle at 82% 8%, rgba(16,19,27,.045), transparent 25%);
  pointer-events:none;
}
.offers-shell{
  position:relative;
  z-index:1;
  width:min(var(--container), calc(100% - 56px));
  margin:0 auto;
}
.section-heading{
  margin-bottom:24px;
}
.section-heading h2{
  margin:0;
  color:#11141c;
  font-size:30px;
  line-height:1.12;
  letter-spacing:-.038em;
  font-weight:900;
}
.section-heading p{
  margin:8px 0 0;
  color:#68707f;
  font-size:14.5px;
  line-height:1.45;
  font-weight:560;
  letter-spacing:-.012em;
}
.offers-grid{
  display:grid;
  grid-template-columns:repeat(4, minmax(0,1fr));
  gap:14px;
}
.offer-card{
  position:relative;
  min-height:184px;
  display:flex;
  flex-direction:column;
  align-items:flex-start;
  overflow:hidden;
  padding:22px 24px 20px;
  border:1px solid rgba(225,228,234,.94);
  border-radius:12px;
  background:
    linear-gradient(180deg, rgba(255,255,255,.98), rgba(255,255,255,.92)),
    #fff;
  box-shadow:0 16px 42px rgba(16,19,27,.065);
  transition:transform .2s ease, box-shadow .2s ease, border-color .2s ease;
}
.offer-card::before{
  content:"";
  position:absolute;
  inset:0 0 auto 0;
  height:3px;
  background:linear-gradient(90deg, rgba(168,4,11,.95), rgba(192,9,18,.10));
  opacity:0;
  transition:opacity .2s ease;
}
.offer-card:hover{
  transform:translateY(-3px);
  border-color:rgba(168,4,11,.18);
  box-shadow:0 22px 54px rgba(16,19,27,.095);
}
.offer-card:hover::before{opacity:1}
.offer-icon{
  width:56px;
  height:56px;
  display:flex;
  align-items:center;
  justify-content:center;
  margin-bottom:14px;
}
.offer-icon img{
  width:56px;
  height:56px;
  object-fit:contain;
}
.offer-card h3{
  margin:0;
  color:#151923;
  font-size:15.5px;
  line-height:1.22;
  letter-spacing:-.025em;
  font-weight:900;
}
.offer-card p{
  margin:9px 0 0;
  max-width:218px;
  color:#66707f;
  font-size:12.7px;
  line-height:1.62;
  letter-spacing:-.006em;
  font-weight:570;
}
.offer-card a{
  display:inline-flex;
  align-items:center;
  gap:8px;
  margin-top:auto;
  padding-top:12px;
  color:var(--red);
  font-size:12.4px;
  line-height:1;
  font-weight:900;
  letter-spacing:-.01em;
}
.offer-card a span{
  font-size:15px;
  transition:transform .18s ease;
}
.offer-card a:hover span{transform:translateX(3px)}

@media (max-width:1100px){
  .offers-shell{width:min(100% - 38px, var(--container))}
  .offers-grid{grid-template-columns:repeat(2, minmax(0,1fr));gap:14px}
  .offer-card{min-height:176px}
  .header-shell{width:min(100% - 36px, var(--container));gap:18px}
  .brand img{width:138px}
  .nav-links{gap:18px;margin-left:12px}
  .nav-links a{font-size:12.5px}
  .hero-shell{grid-template-columns:minmax(0,1fr) minmax(330px,430px);gap:32px;width:min(100% - 38px, var(--container))}
  .feature-shell{width:min(100% - 38px, var(--container));grid-template-columns:repeat(3,1fr)}
  .feature-card:nth-child(3){border-right:0}
  .feature-card:nth-child(n+4){border-top:1px solid rgba(225,228,234,.96)}
  .phone-img{height:585px;width:auto}
  .phone-area{height:575px}
}
@media (max-width:860px){
  .offers-section{padding:30px 0 40px}
  .offers-shell{width:calc(100% - 28px)}
  .section-heading{margin-bottom:18px}
  .section-heading h2{font-size:26px}
  .section-heading p{font-size:14px}
  .site-header{height:70px}
  .header-shell{width:calc(100% - 28px)}
  .brand img{width:136px}
  .mobile-toggle{
    margin-left:auto;
    width:42px;
    height:42px;
    border:1px solid var(--line);
    border-radius:8px;
    background:#fff;
    display:inline-flex;
    flex-direction:column;
    justify-content:center;
    align-items:center;
    gap:5px;
  }
  .mobile-toggle span{width:18px;height:2px;background:#151923;border-radius:999px}
  .nav-links,.header-cta{display:none}
  .nav-links.open{
    position:absolute;
    top:70px;
    left:14px;
    right:14px;
    display:grid;
    justify-content:stretch;
    gap:0;
    margin:0;
    padding:9px;
    background:#fff;
    border:1px solid var(--line);
    border-radius:14px;
    box-shadow:0 18px 45px rgba(16,19,27,.12);
  }
  .nav-links.open a{height:43px;padding:0 13px;font-size:14px;border-radius:9px}
  .nav-links.open a.active::after{display:none}
  .nav-links.open a.active{background:#fff5f5;color:var(--red)}
  .header-cta.open{
    position:absolute;
    top:505px;
    left:26px;
    right:26px;
    display:flex;
  }
  .hero{padding-top:28px;padding-bottom:28px}
  .hero-shell{display:flex;flex-direction:column;width:calc(100% - 28px);gap:24px}
  .hero-copy{padding-top:0;max-width:none}
  .hero h1{font-size:clamp(34px, 8.8vw, 48px);line-height:1.07;letter-spacing:-.045em}
  .hero-text{font-size:15.5px;line-height:1.65;max-width:none}
  .hero-actions{margin-top:24px}
  .btn{height:50px;padding:0 20px;flex:1;min-width:150px}
  .trust-row{margin-top:30px}
  .phone-area{width:100%;height:auto;min-height:0;margin:2px auto 0;align-items:center;overflow:hidden}
  .phone-img{width:min(360px, 92vw);height:auto;max-height:none}
  .phone-glow{top:70px;width:300px;height:300px}
  .feature-shell{width:calc(100% - 28px);margin:22px auto 0;grid-template-columns:repeat(2,1fr);border-radius:14px}
  .feature-card{padding:16px 13px;border-top:1px solid rgba(225,228,234,.96)}
  .feature-card:nth-child(-n+2){border-top:0}
  .feature-card:nth-child(odd){border-right:1px solid rgba(225,228,234,.96)}
  .feature-card:nth-child(even){border-right:0}
}
@media (max-width:520px){
  .offers-grid{grid-template-columns:1fr;gap:12px}
  .offer-card{min-height:170px;padding:21px 21px 19px}
  .hero-pill{font-size:12px;min-height:36px;padding-right:11px}
  .hero h1 br{display:none}
  .hero-actions{display:grid;grid-template-columns:1fr;gap:12px}
  .btn{width:100%}
  .feature-shell{grid-template-columns:1fr}
  .feature-card,.feature-card:nth-child(odd),.feature-card:nth-child(even){border-right:0;border-top:1px solid rgba(225,228,234,.96)}
  .feature-card:first-child{border-top:0}
}


/* =========================
   NIH BANK CTA + FOOTER
   Added after Offers section. Prefix keeps existing header/hero/offers untouched.
   ========================= */
.nih-tail,
.nih-tail *{box-sizing:border-box}
.nih-tail{
  --nih-red:#a90810;
  --nih-red-2:#d0121c;
  --nih-deep-red:#650006;
  --nih-ink:#121722;
  --nih-muted:#7b8290;
  --nih-footer:#101011;
  --nih-footer-soft:#18191a;
  font-family:Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", Arial, sans-serif;
  color:var(--nih-ink);
  background:#fff;
}
.nih-tail a{color:inherit;text-decoration:none}
.nih-tail__container{width:min(var(--container), calc(100% - 56px));margin-inline:auto}
.nih-cta{padding:24px 0 24px;background:linear-gradient(180deg,#fbfcfd 0%,#fff 100%)}
.nih-cta__card{
  position:relative;display:flex;align-items:center;justify-content:space-between;gap:34px;overflow:hidden;
  min-height:142px;padding:34px 52px;border-radius:15px;
  background:radial-gradient(circle at 92% 31%, rgba(255,255,255,.20), transparent 13rem),radial-gradient(circle at 7% 18%, rgba(255,255,255,.13), transparent 11rem),linear-gradient(100deg,#690004 0%,#9c040c 47%,#d3121d 100%);
  box-shadow:0 22px 55px rgba(169,8,16,.22), inset 0 1px 0 rgba(255,255,255,.18);
}
.nih-cta__card::before{
  content:"";position:absolute;inset:0;opacity:.34;pointer-events:none;
  background-image:linear-gradient(rgba(255,255,255,.08) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.08) 1px,transparent 1px),radial-gradient(circle at 78% 47%, transparent 0 18px, rgba(255,255,255,.06) 19px 20px, transparent 21px);
  background-size:24px 24px,24px 24px,88px 88px;
}
.nih-cta__content,.nih-cta__actions{position:relative;z-index:1}
.nih-cta__content h2{margin:0 0 11px;max-width:680px;color:#fff;font-size:clamp(23px,2.3vw,31px);line-height:1.08;letter-spacing:-.045em;font-weight:900}
.nih-cta__content p{margin:0;max-width:610px;color:rgba(255,255,255,.88);font-size:14px;line-height:1.68;font-weight:620}
.nih-cta__actions{display:flex;flex:0 0 auto;align-items:center;gap:14px}
.nih-btn{display:inline-flex;align-items:center;justify-content:center;min-height:52px;padding:0 30px;border-radius:7px;font-size:14px;line-height:1;font-weight:900;white-space:nowrap;transition:transform .18s ease,box-shadow .18s ease,background .18s ease}
.nih-btn:hover{transform:translateY(-1px)}
.nih-btn--light{color:var(--nih-red);background:#fff;border:1px solid rgba(255,255,255,.88);box-shadow:0 12px 26px rgba(0,0,0,.15)}
.nih-btn--ghost{color:#fff;background:rgba(255,255,255,.03);border:1px solid rgba(255,255,255,.72)}
.nih-footer{background:radial-gradient(circle at 10% 4%, rgba(202,13,23,.16), transparent 16rem),linear-gradient(180deg,#151515 0%,#0d0d0e 100%);color:#fff;border-top:1px solid rgba(255,255,255,.08)}
.nih-footer__top{display:grid;grid-template-columns:minmax(245px,.9fr) minmax(0,2.55fr);gap:52px;padding:32px 0 26px;align-items:start}
.nih-footer__links-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:38px;align-items:start}
.nih-footer__brandmark{display:inline-flex;align-items:baseline;gap:7px;margin-bottom:15px;font-weight:950;letter-spacing:-.055em;line-height:1}
.nih-footer__brandmark .nih-logo-red{color:#e11924;font-size:34px}
.nih-footer__brandmark .nih-logo-bank{color:#fff;font-size:23px;letter-spacing:-.035em}
.nih-footer__about{margin:0 0 21px;max-width:292px;color:rgba(255,255,255,.76);font-size:13.2px;line-height:1.56;font-weight:560}
.nih-socials{display:flex;align-items:center;gap:10px;flex-wrap:wrap}
.nih-socials a{display:grid;place-items:center;width:34px;height:34px;border-radius:50%;border:1px solid rgba(255,255,255,.34);background:rgba(255,255,255,.045);color:rgba(255,255,255,.88);transition:transform .18s ease,background .18s ease,border-color .18s ease}
.nih-socials a:hover{transform:translateY(-1px);background:rgba(255,255,255,.11);border-color:rgba(255,255,255,.55)}
.nih-socials svg{width:16px;height:16px;display:block}
.nih-footer__column h3{margin:2px 0 16px;color:#fff;font-size:15px;line-height:1.2;font-weight:900;letter-spacing:-.02em}
.nih-footer__column ul{display:grid;gap:10px;margin:0;padding:0;list-style:none}
.nih-footer__column li,.nih-footer__column a{color:rgba(255,255,255,.72);font-size:13px;line-height:1.3;font-weight:560}
.nih-footer__column a:hover{color:#fff}
.nih-footer__contact{font-style:normal}
.nih-contact-list{display:grid;gap:13px;margin:0;padding:0;list-style:none}
.nih-contact-list li{display:grid;grid-template-columns:22px minmax(0,1fr);gap:11px;align-items:start;color:rgba(255,255,255,.76);font-size:13px;line-height:1.42;font-weight:560;min-width:0}
.nih-contact-list svg{width:20px;height:20px;color:rgba(255,255,255,.82);stroke-width:1.9;flex:0 0 auto}
.nih-contact-list a,.nih-contact-list span{min-width:0;overflow-wrap:anywhere}
.nih-footer__bottom{border-top:1px solid rgba(255,255,255,.10)}
.nih-footer__bottom-row{display:grid;grid-template-columns:1fr auto 1fr;align-items:center;gap:20px;min-height:48px;color:rgba(255,255,255,.70);font-size:12px;font-weight:560}
.nih-footer__bottom-row>:first-child{justify-self:start}.nih-footer__bottom-row>:nth-child(2){justify-self:center}
.nih-footer__legal{justify-self:end;display:inline-flex;align-items:center;gap:12px}.nih-footer__legal span{width:1px;height:13px;background:rgba(255,255,255,.22)}
@media (max-width:1060px){
  .nih-footer__top{grid-template-columns:1fr;gap:30px}
  .nih-footer__brand{max-width:520px}
  .nih-footer__links-grid{grid-template-columns:repeat(4,minmax(0,1fr));gap:28px}
}
@media (max-width:820px){
  .nih-tail__container{width:min(100% - 32px, var(--container))}
  .nih-cta__card{align-items:flex-start;flex-direction:column;padding:30px 26px;gap:24px}
  .nih-cta__actions{width:100%;display:grid;grid-template-columns:1fr 1fr}
  .nih-btn{width:100%;padding-inline:18px}
  .nih-footer__top{gap:28px;padding:30px 0 24px}
  .nih-footer__links-grid{grid-template-columns:1fr 1fr;gap:30px 26px}
  .nih-footer__bottom-row{grid-template-columns:1fr;gap:9px;padding:17px 0 18px;text-align:center}
  .nih-footer__bottom-row>*,.nih-footer__legal{justify-self:center!important}
}
@media (max-width:520px){
  .nih-tail__container{width:min(100% - 24px, var(--container))}
  .nih-cta{padding:18px 0 18px}
  .nih-cta__card{padding:26px 22px;border-radius:14px}
  .nih-cta__actions{grid-template-columns:1fr;gap:12px}
  .nih-footer__top{padding:28px 0 22px;gap:26px}
  .nih-footer__brandmark .nih-logo-red{font-size:31px}.nih-footer__brandmark .nih-logo-bank{font-size:21px}
  .nih-footer__about{max-width:none;font-size:12.8px;margin-bottom:18px}
  .nih-footer__links-grid{grid-template-columns:1fr 1fr;gap:28px 22px}
  .nih-footer__column h3{font-size:14px;margin-bottom:12px}
  .nih-footer__column li,.nih-footer__column a,.nih-contact-list li{font-size:12.35px}
  .nih-contact-list{gap:11px}
  .nih-contact-list li{grid-template-columns:18px minmax(0,1fr);gap:8px}
  .nih-contact-list svg{width:17px;height:17px}
  .nih-socials a{width:32px;height:32px}
}
@media (max-width:370px){
  .nih-footer__links-grid{gap:24px 16px}
  .nih-footer__column li,.nih-footer__column a,.nih-contact-list li{font-size:11.7px}
}

/* =========================
   NIH BANK ESCROW PROCESS
   Added after Offers section. Existing header/hero/offers/footer left intact.
   ========================= */
.escrow-section{
  position:relative;
  overflow:hidden;
  scroll-margin-top:92px;
  padding:28px 0 54px;
  background:
    radial-gradient(circle at 12% 4%, rgba(168,4,11,.032), transparent 24%),
    radial-gradient(circle at 88% 16%, rgba(16,19,27,.040), transparent 28%),
    linear-gradient(180deg,#fbfcfd 0%,#fff 100%);
}
.escrow-section::before{
  content:"";
  position:absolute;
  inset:0;
  pointer-events:none;
  background:
    linear-gradient(90deg,rgba(255,255,255,.86),rgba(255,255,255,.64)),
    radial-gradient(circle at 50% 70%, rgba(168,4,11,.025), transparent 34%);
}
.escrow-shell{
  position:relative;
  z-index:1;
  width:min(var(--container), calc(100% - 56px));
  margin:0 auto;
}
.escrow-heading{margin-bottom:22px}
.escrow-heading h2 span{color:var(--red)}
.escrow-track{
  display:grid;
  grid-template-columns:repeat(5,minmax(0,1fr));
  align-items:center;
  padding:0 20px;
  margin:2px 0 18px;
}
.escrow-track-step{
  position:relative;
  display:flex;
  justify-content:center;
  align-items:center;
  min-height:48px;
}
.escrow-track-step span,
.escrow-card-number{
  width:38px;
  height:38px;
  display:inline-grid;
  place-items:center;
  border-radius:999px;
  color:#fff;
  font-size:17px;
  line-height:1;
  font-weight:950;
  background:
    radial-gradient(circle at 34% 20%, rgba(255,255,255,.23), transparent 27%),
    linear-gradient(180deg,#c40a14 0%,#99040b 100%);
  box-shadow:0 10px 22px rgba(168,4,11,.23), inset 0 1px 0 rgba(255,255,255,.2);
}
.escrow-track-step:not(:last-child)::before{
  content:"";
  position:absolute;
  top:50%;
  left:calc(50% + 42px);
  width:calc(100% - 34px);
  border-top:2px dashed rgba(98,109,126,.54);
  transform:translateY(-50%);
}
.escrow-track-step:not(:last-child)::after{
  content:"";
  position:absolute;
  top:50%;
  right:-15px;
  width:10px;
  height:10px;
  border-top:2px solid rgba(98,109,126,.64);
  border-right:2px solid rgba(98,109,126,.64);
  transform:translateY(-50%) rotate(45deg);
}
.escrow-cards{
  display:grid;
  grid-template-columns:repeat(5,minmax(0,1fr));
  gap:16px;
}
.escrow-card{
  position:relative;
  min-height:238px;
  overflow:hidden;
  display:flex;
  flex-direction:column;
  align-items:center;
  text-align:center;
  padding:24px 16px 24px;
  border:1px solid rgba(225,228,234,.96);
  border-radius:14px;
  background:
    linear-gradient(180deg,rgba(255,255,255,.98),rgba(255,255,255,.94)),
    #fff;
  box-shadow:0 18px 48px rgba(16,19,27,.064);
  transition:transform .2s ease,box-shadow .2s ease,border-color .2s ease;
}
.escrow-card::before{
  content:"";
  position:absolute;
  inset:0 0 auto 0;
  height:3px;
  opacity:0;
  background:linear-gradient(90deg,rgba(168,4,11,.98),rgba(192,9,18,.08));
  transition:opacity .2s ease;
}
.escrow-card::after{
  content:"";
  position:absolute;
  width:126px;
  height:126px;
  right:-52px;
  bottom:-62px;
  border-radius:999px;
  background:rgba(168,4,11,.034);
  pointer-events:none;
}
.escrow-card:hover{
  transform:translateY(-4px);
  border-color:rgba(168,4,11,.18);
  box-shadow:0 24px 58px rgba(16,19,27,.092);
}
.escrow-card:hover::before{opacity:1}
.escrow-card-number{display:none;position:absolute;top:14px;right:14px;width:32px;height:32px;font-size:14px}
.escrow-icon-wrap{
  width:92px;
  height:92px;
  display:grid;
  place-items:center;
  margin:8px 0 18px;
  border-radius:50%;
  background:
    radial-gradient(circle at 50% 45%,#fff 0 34%,rgba(246,247,249,.98) 35% 100%);
  box-shadow:inset 0 1px 0 rgba(255,255,255,.85),0 12px 25px rgba(16,19,27,.045);
}
.escrow-icon-wrap img{
  width:82px;
  height:82px;
  object-fit:contain;
}
.escrow-card h3{
  margin:0;
  color:#151923;
  font-size:15.6px;
  line-height:1.18;
  letter-spacing:-.025em;
  font-weight:950;
}
.escrow-card p{
  margin:12px auto 0;
  max-width:176px;
  color:#66707f;
  font-size:12.8px;
  line-height:1.64;
  letter-spacing:-.006em;
  font-weight:570;
}

@media (max-width:1100px){
  .escrow-shell{width:min(100% - 38px, var(--container))}
  .escrow-track{display:none}
  .escrow-cards{grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}
  .escrow-card{
    min-height:172px;
    align-items:flex-start;
    text-align:left;
    display:grid;
    grid-template-columns:86px minmax(0,1fr);
    column-gap:18px;
    padding:22px 22px;
  }
  .escrow-card-number{display:grid}
  .escrow-icon-wrap{width:76px;height:76px;margin:0;align-self:center}
  .escrow-icon-wrap img{width:68px;height:68px}
  .escrow-card-copy{align-self:center;padding-right:34px}
  .escrow-card p{margin-left:0;margin-right:0;max-width:310px}
}
@media (max-width:860px){
  .escrow-section{padding:26px 0 42px}
  .escrow-shell{width:calc(100% - 28px)}
  .escrow-heading{margin-bottom:18px}
}
@media (max-width:640px){
  .escrow-cards{grid-template-columns:1fr;gap:12px}
  .escrow-card{
    min-height:0;
    grid-template-columns:72px minmax(0,1fr);
    column-gap:16px;
    padding:18px 18px;
    border-radius:13px;
  }
  .escrow-icon-wrap{width:64px;height:64px}
  .escrow-icon-wrap img{width:58px;height:58px}
  .escrow-card-copy{padding-right:28px}
  .escrow-card h3{font-size:15px}
  .escrow-card p{font-size:12.5px;line-height:1.5;margin-top:7px;max-width:none}
  .escrow-card-number{top:12px;right:12px;width:30px;height:30px;font-size:13px}
}


/* =========================
   NIH BANK BUSINESS / INDUSTRIES
   Refined: cleaner image blending, no boxed image background.
   ========================= */
.business-section{position:relative;overflow:hidden;padding:8px 0 60px;background:radial-gradient(circle at 85% 10%, rgba(168,4,11,.024), transparent 24%),radial-gradient(circle at 9% 80%, rgba(16,19,27,.03), transparent 26%),linear-gradient(180deg,#fff 0%,#fbfcfd 100%)}
.business-section::before{content:"";position:absolute;inset:0;pointer-events:none;background:linear-gradient(180deg, rgba(255,255,255,.78), rgba(255,255,255,.96)),radial-gradient(circle at 50% 50%, rgba(168,4,11,.018), transparent 36%)}
.business-shell{position:relative;z-index:1;width:min(var(--container), calc(100% - 56px));margin:0 auto}
.business-heading{margin-bottom:22px}
.business-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:16px}
.industry-card{position:relative;overflow:hidden;min-height:250px;display:flex;flex-direction:column;padding:18px 18px 20px;border:1px solid rgba(228,231,237,.98);border-radius:16px;background:linear-gradient(180deg,rgba(255,255,255,.98),rgba(255,255,255,.94)),#fff;box-shadow:0 18px 44px rgba(16,19,27,.06);transition:transform .22s ease, box-shadow .22s ease, border-color .22s ease}
.industry-card::before{content:"";position:absolute;inset:0 0 auto 0;height:3px;background:linear-gradient(90deg,rgba(168,4,11,.94),rgba(192,9,18,.10));opacity:0;transition:opacity .22s ease}
.industry-card::after{content:"";position:absolute;right:-34px;bottom:-34px;width:96px;height:96px;border-radius:999px;background:rgba(168,4,11,.03);pointer-events:none}
.industry-card:hover{transform:translateY(-4px);border-color:rgba(168,4,11,.14);box-shadow:0 24px 56px rgba(16,19,27,.09)}
.industry-card:hover::before{opacity:1}
.industry-media{position:relative;height:118px;display:flex;align-items:center;justify-content:center;margin-bottom:10px}
.industry-media::after{content:"";position:absolute;inset:auto 18px 2px;height:16px;border-radius:50%;background:radial-gradient(ellipse at center, rgba(16,19,27,.12), rgba(16,19,27,0) 72%);filter:blur(7px);z-index:0}
.industry-media img{position:relative;z-index:1;width:auto;max-width:100%;max-height:112px;object-fit:contain;filter:drop-shadow(0 10px 18px rgba(16,19,27,.10))}
.industry-content{display:flex;flex-direction:column;flex:1;padding:4px 2px 0}
.industry-content h3{margin:0;color:#151923;font-size:17px;line-height:1.22;letter-spacing:-.026em;font-weight:900}
.industry-content p{margin:10px 0 0;color:#66707f;font-size:13.2px;line-height:1.63;letter-spacing:-.008em;font-weight:570}
@media (max-width:1100px){.business-shell{width:min(100% - 38px, var(--container))}.business-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}.industry-card{min-height:242px}}
@media (max-width:860px){.business-section{padding:4px 0 46px}.business-shell{width:calc(100% - 28px)}.business-heading{margin-bottom:18px}.industry-card{min-height:234px;padding:16px 16px 18px}.industry-media{height:108px;margin-bottom:8px}.industry-media img{max-height:102px}}
@media (max-width:560px){.business-grid{grid-template-columns:1fr;gap:13px}.industry-card{min-height:0;display:grid;grid-template-columns:104px minmax(0,1fr);gap:0 14px;align-items:center;padding:14px;border-radius:14px}.industry-media{height:86px;margin:0}.industry-media::after{inset:auto 10px 0;height:14px}.industry-media img{max-height:80px}.industry-content{padding:0 6px 0 0}.industry-content h3{font-size:15.2px}.industry-content p{font-size:12.4px;line-height:1.52;margin-top:7px}}


/* =========================
   NIH BANK INTERNATIONAL TRADE FINANCE
   Refined: transparent/blended visuals, cleaner modern layout.
   ========================= */
.trade-finance-section{position:relative;overflow:hidden;padding:8px 0 66px;background:radial-gradient(circle at 12% 12%, rgba(168,4,11,.025), transparent 24%),radial-gradient(circle at 82% 82%, rgba(16,19,27,.03), transparent 26%),linear-gradient(180deg,#fff 0%,#fbfcfd 100%)}
.trade-finance-section::before{content:"";position:absolute;inset:0;pointer-events:none;background:linear-gradient(180deg, rgba(255,255,255,.82), rgba(255,255,255,.96)),radial-gradient(circle at 50% 50%, rgba(168,4,11,.015), transparent 38%)}
.trade-finance-shell{position:relative;z-index:1;width:min(var(--container), calc(100% - 56px));margin:0 auto}
.trade-finance-heading{margin-bottom:24px}
.trade-finance-layout{display:grid;grid-template-columns:minmax(360px,.84fr) minmax(500px,1.16fr);gap:28px;align-items:center}
.trade-finance-list{display:grid;gap:16px}
.trade-finance-card{position:relative;overflow:hidden;min-height:116px;display:grid;grid-template-columns:90px minmax(0,1fr);gap:0 18px;align-items:center;padding:18px 20px;border:1px solid rgba(228,231,237,.96);border-radius:16px;background:linear-gradient(180deg,rgba(255,255,255,.99),rgba(255,255,255,.95)),#fff;box-shadow:0 18px 46px rgba(16,19,27,.055);transition:transform .22s ease, box-shadow .22s ease, border-color .22s ease}
.trade-finance-card::before{content:"";position:absolute;inset:0 0 auto 0;height:3px;background:linear-gradient(90deg,rgba(168,4,11,.96),rgba(192,9,18,.10));opacity:0;transition:opacity .22s ease}
.trade-finance-card::after{content:"";position:absolute;right:-18px;bottom:-24px;width:88px;height:88px;border-radius:50%;background:rgba(168,4,11,.03);pointer-events:none}
.trade-finance-card:hover{transform:translateY(-3px);border-color:rgba(168,4,11,.16);box-shadow:0 24px 56px rgba(16,19,27,.085)}
.trade-finance-card:hover::before{opacity:1}
.trade-finance-icon{position:relative;width:90px;height:90px;display:grid;place-items:center}
.trade-finance-icon::after{content:"";position:absolute;inset:auto 10px 4px;height:12px;border-radius:50%;background:radial-gradient(ellipse at center, rgba(16,19,27,.11), rgba(16,19,27,0) 72%);filter:blur(6px)}
.trade-finance-icon img{position:relative;z-index:1;width:78px;height:78px;object-fit:contain;filter:drop-shadow(0 10px 16px rgba(16,19,27,.10))}
.trade-finance-copy h3{margin:0;color:#151923;font-size:18px;line-height:1.18;letter-spacing:-.026em;font-weight:900}
.trade-finance-copy p{margin:8px 0 0;color:#66707f;font-size:13.4px;line-height:1.62;letter-spacing:-.006em;font-weight:570;max-width:360px}
.trade-finance-visual-wrap{position:relative;display:flex;align-items:center;justify-content:center;min-height:100%}
.trade-finance-visual-wrap::before{content:"";position:absolute;width:72%;height:72%;border-radius:999px;background:radial-gradient(circle at center, rgba(168,4,11,.08), rgba(168,4,11,0) 60%);filter:blur(38px);opacity:.9;pointer-events:none}
.trade-finance-visual-card{position:relative;width:100%;display:flex;align-items:flex-end;justify-content:center;padding:8px 0 0;background:transparent;border:0;box-shadow:none;overflow:visible}
.trade-finance-visual-card::before,.trade-finance-visual-card::after,.trade-finance-map{display:none}
.trade-finance-visual{position:relative;z-index:1;width:min(100%,720px);height:auto;object-fit:contain;filter:drop-shadow(0 18px 28px rgba(16,19,27,.12))}
@media (max-width:1100px){.trade-finance-shell{width:min(100% - 38px, var(--container))}.trade-finance-layout{grid-template-columns:1fr;gap:20px}.trade-finance-visual-wrap{min-height:340px}.trade-finance-visual{width:min(100%,680px)}}
@media (max-width:860px){.trade-finance-section{padding:6px 0 48px}.trade-finance-shell{width:calc(100% - 28px)}.trade-finance-heading{margin-bottom:18px}.trade-finance-card{padding:15px 16px;grid-template-columns:78px minmax(0,1fr);gap:0 14px;min-height:104px}.trade-finance-icon{width:78px;height:78px}.trade-finance-icon img{width:68px;height:68px}.trade-finance-copy h3{font-size:16px}.trade-finance-copy p{font-size:13px;max-width:none}.trade-finance-visual-wrap{min-height:290px}.trade-finance-visual{width:min(100%,620px)}}
@media (max-width:560px){.trade-finance-card{grid-template-columns:68px minmax(0,1fr);padding:14px 14px;border-radius:14px}.trade-finance-icon{width:68px;height:68px}.trade-finance-icon img{width:60px;height:60px}.trade-finance-copy h3{font-size:15px}.trade-finance-copy p{font-size:12.4px;line-height:1.54}.trade-finance-visual-wrap{min-height:220px}.trade-finance-visual{width:100%}}


/* =========================
   NIH BANK CREDIT / FLEXI PAY / LOANS
   Added before International Trade Finance. Existing sections preserved.
   ========================= */
.credit-section{
  position:relative;
  overflow:hidden;
  padding:8px 0 64px;
  background:
    radial-gradient(circle at 11% 15%, rgba(168,4,11,.024), transparent 22%),
    radial-gradient(circle at 85% 84%, rgba(16,19,27,.03), transparent 24%),
    linear-gradient(180deg,#fff 0%,#fbfcfd 100%);
}
.credit-section::before{
  content:"";
  position:absolute;
  inset:0;
  pointer-events:none;
  background:
    linear-gradient(180deg, rgba(255,255,255,.80), rgba(255,255,255,.96)),
    radial-gradient(circle at 50% 50%, rgba(168,4,11,.015), transparent 38%);
}
.credit-shell{
  position:relative;
  z-index:1;
  width:min(var(--container), calc(100% - 56px));
  margin:0 auto;
}
.credit-heading{margin-bottom:22px}
.credit-layout{
  display:grid;
  grid-template-columns:minmax(255px, 300px) minmax(0, 1fr);
  gap:20px;
  align-items:stretch;
}
.credit-highlight-card,
.credit-card{
  position:relative;
  overflow:hidden;
  border:1px solid rgba(228,231,237,.96);
  border-radius:18px;
  background:linear-gradient(180deg,rgba(255,255,255,.99),rgba(255,255,255,.95)),#fff;
  box-shadow:0 18px 46px rgba(16,19,27,.055);
}
.credit-highlight-card::before,
.credit-card::before{
  content:"";
  position:absolute;
  inset:0 0 auto 0;
  height:3px;
  background:linear-gradient(90deg,rgba(168,4,11,.96),rgba(192,9,18,.10));
  opacity:0;
  transition:opacity .22s ease;
}
.credit-highlight-card:hover,
.credit-card:hover{
  transform:translateY(-3px);
  border-color:rgba(168,4,11,.15);
  box-shadow:0 24px 56px rgba(16,19,27,.085);
}
.credit-highlight-card:hover::before,
.credit-card:hover::before{opacity:1}
.credit-highlight-card{
  display:flex;
  flex-direction:column;
  padding:18px 18px 16px;
  transition:transform .22s ease, box-shadow .22s ease, border-color .22s ease;
}
.credit-highlight-card::after{
  content:"";
  position:absolute;
  right:-30px;
  bottom:-32px;
  width:104px;
  height:104px;
  border-radius:50%;
  background:rgba(168,4,11,.03);
  pointer-events:none;
}
.credit-highlight-visual{
  position:relative;
  height:210px;
  display:flex;
  align-items:flex-end;
  justify-content:center;
  padding:0 0 6px;
}
.credit-highlight-visual::after{
  content:"";
  position:absolute;
  inset:auto 12% 10px;
  height:18px;
  border-radius:50%;
  background:radial-gradient(ellipse at center, rgba(16,19,27,.12), rgba(16,19,27,0) 72%);
  filter:blur(7px);
}
.credit-highlight-visual img{
  position:relative;
  z-index:1;
  width:auto;
  max-width:100%;
  max-height:190px;
  object-fit:contain;
  filter:drop-shadow(0 12px 20px rgba(16,19,27,.10));
}
.credit-amount-card{
  position:relative;
  z-index:1;
  margin-top:-2px;
  padding:18px 16px 14px;
  border-radius:16px;
  background:linear-gradient(180deg,#fff,#fbfbfc);
  border:1px solid rgba(231,234,239,.92);
  box-shadow:0 14px 28px rgba(16,19,27,.05);
}
.credit-amount-label{
  display:block;
  color:#777f8d;
  font-size:11px;
  font-weight:800;
  letter-spacing:.04em;
  text-transform:uppercase;
}
.credit-amount-card strong{
  display:block;
  margin-top:7px;
  color:#151923;
  font-size:30px;
  line-height:1;
  font-weight:900;
  letter-spacing:-.04em;
}
.credit-benefits{
  list-style:none;
  margin:14px 0 0;
  padding:0;
  display:grid;
  gap:8px;
}
.credit-benefits li{
  position:relative;
  padding-left:22px;
  color:#66707f;
  font-size:13px;
  line-height:1.35;
  font-weight:600;
}
.credit-benefits li::before{
  content:"✓";
  position:absolute;
  left:0;
  top:-1px;
  width:16px;
  height:16px;
  display:grid;
  place-items:center;
  border-radius:50%;
  background:rgba(15,172,88,.12);
  color:#0da35b;
  font-size:11px;
  font-weight:900;
}
.credit-apply-btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  min-height:46px;
  margin-top:16px;
  padding:0 18px;
  border-radius:12px;
  background:linear-gradient(180deg,#cd0f15,#a8040b);
  color:#fff;
  font-size:14px;
  font-weight:800;
  text-decoration:none;
  box-shadow:0 14px 28px rgba(168,4,11,.22);
}
.credit-cards-grid{
  display:grid;
  grid-template-columns:repeat(4, minmax(0,1fr));
  gap:16px;
}
.credit-card{
  display:flex;
  flex-direction:column;
  min-height:340px;
  padding:20px 18px 18px;
  transition:transform .22s ease, box-shadow .22s ease, border-color .22s ease;
}
.credit-card::after{
  content:"";
  position:absolute;
  right:-24px;
  bottom:-26px;
  width:88px;
  height:88px;
  border-radius:50%;
  background:rgba(168,4,11,.03);
  pointer-events:none;
}
.credit-card-icon{
  position:relative;
  height:138px;
  display:flex;
  align-items:center;
  justify-content:center;
  margin-bottom:14px;
}
.credit-card-icon::after{
  content:"";
  position:absolute;
  inset:auto 16px 4px;
  height:16px;
  border-radius:50%;
  background:radial-gradient(ellipse at center, rgba(16,19,27,.11), rgba(16,19,27,0) 72%);
  filter:blur(6px);
}
.credit-card-icon img{
  position:relative;
  z-index:1;
  width:auto;
  max-width:100%;
  max-height:128px;
  object-fit:contain;
  filter:drop-shadow(0 10px 18px rgba(16,19,27,.10));
}
.credit-card-copy{
  display:flex;
  flex-direction:column;
  flex:1;
}
.credit-card-copy h3{
  margin:0;
  color:#151923;
  font-size:17px;
  line-height:1.24;
  letter-spacing:-.026em;
  font-weight:900;
}
.credit-card-copy p{
  margin:10px 0 0;
  color:#66707f;
  font-size:13.2px;
  line-height:1.62;
  letter-spacing:-.006em;
  font-weight:570;
  min-height:84px;
}
.credit-card-copy a{
  display:inline-flex;
  align-items:center;
  gap:8px;
  margin-top:auto;
  padding-top:14px;
  color:#b10910;
  font-size:13px;
  font-weight:800;
  text-decoration:none;
}
.credit-card-copy a::after{
  content:"→";
  font-size:14px;
}
@media (max-width:1200px){
  .credit-shell{width:min(100% - 38px, var(--container))}
  .credit-layout{grid-template-columns:1fr;gap:18px}
  .credit-highlight-card{max-width:320px}
  .credit-cards-grid{grid-template-columns:repeat(2, minmax(0,1fr))}
}
@media (max-width:860px){
  .credit-section{padding:6px 0 48px}
  .credit-shell{width:calc(100% - 28px)}
  .credit-heading{margin-bottom:18px}
  .credit-highlight-card{max-width:none;padding:16px 16px 14px}
  .credit-highlight-visual{height:190px}
  .credit-highlight-visual img{max-height:172px}
  .credit-amount-card strong{font-size:28px}
  .credit-cards-grid{grid-template-columns:repeat(2, minmax(0,1fr));gap:14px}
  .credit-card{min-height:304px;padding:18px 16px 16px}
  .credit-card-icon{height:124px;margin-bottom:12px}
  .credit-card-icon img{max-height:114px}
}
@media (max-width:560px){
  .credit-cards-grid{grid-template-columns:1fr;gap:13px}
  .credit-card{min-height:0;display:grid;grid-template-columns:92px minmax(0,1fr);gap:0 14px;align-items:center;padding:14px;border-radius:14px}
  .credit-card-icon{height:86px;margin:0}
  .credit-card-icon::after{inset:auto 10px 0;height:13px}
  .credit-card-icon img{max-height:78px}
  .credit-card-copy h3{font-size:15px}
  .credit-card-copy p{font-size:12.4px;line-height:1.54;min-height:0;margin-top:7px}
  .credit-card-copy a{padding-top:10px}
  .credit-highlight-visual{height:170px}
  .credit-highlight-visual img{max-height:152px}
  .credit-amount-card{padding:16px 14px 14px}
  .credit-amount-card strong{font-size:26px}
}


/* =====================================================
   FINAL UNIFORM WEBSITE PASS
   - One CTA before the footer only
   - Uniform desktop margins
   - Cleaner image/icon alignment and sizing
   ===================================================== */
:root{--site-container:1200px;--site-side-space:56px;--page-section-gap:26px;}
.header-shell,
.nih-tail__container,
.about-container,
.wallet-container,
.credit-container,
.biz-container,
.estate-container,
.trade-container,
.payroll-container,
.contact-container,
.escrow-page-container{
  width:min(var(--site-container), calc(100% - var(--site-side-space))) !important;
  margin-left:auto !important;
  margin-right:auto !important;
}
main{overflow:hidden;}
section{scroll-margin-top:92px;}

/* Hero typography made consistent across inner pages */
.about-hero-title,
.wallet-hero h1,
.credit-hero h1,
.biz-hero h1,
.estate-hero h1,
.trade-hero h1,
.payroll-hero h1,
.contact-hero h1,
.escrow-hero h1{
  font-size:clamp(42px,5vw,64px) !important;
  line-height:.98 !important;
  letter-spacing:-.06em !important;
  font-weight:950 !important;
}
.wallet-hero p,
.credit-hero p,
.biz-hero p,
.estate-hero p,
.trade-hero p,
.payroll-hero p,
.contact-hero p,
.escrow-hero p,
.about-hero-copy p{
  font-size:clamp(15px,1.35vw,18px) !important;
  line-height:1.64 !important;
  color:#525b6b !important;
}

/* Keep all hero visuals inside their columns */
.about-hero-visual img,
.wallet-hero-visual img,
.credit-hero-visual img,
.biz-hero-visual img,
.estate-hero-visual img,
.trade-hero-visual img,
.payroll-hero-visual img,
.contact-hero-visual img,
.escrow-hero-visual img{
  max-width:100% !important;
  height:auto !important;
  object-fit:contain !important;
}

/* White-card images and icons: no ugly blocks, no bad cropping */
.offer-card img,
.feature-card img,
.wallet-feature-card img,
.credit-feature-card img,
.credit-loan-card img,
.market-card img,
.estate-card img,
.trade-card img,
.payroll-card img,
.contact-card img,
.contact-option-card img,
.escrow-card img,
.service-card img,
.value-item img,
.about-feature-card img,
.roadmap-card img{
  object-fit:contain !important;
  background:transparent !important;
  box-shadow:none;
}
.market-img img,.estate-img img,.trade-card-icon img,.payroll-card-icon img,.contact-card-icon img,
.credit-card-icon img,.wallet-feature-icon img,.about-feature-icon img{
  max-width:96px !important;
  max-height:88px !important;
  object-fit:contain !important;
  background:transparent !important;
}
.strip-icon,.round-icon,.process-icon img,.why-mini-grid img,.estate-mini-grid img,
.trade-mini-grid img,.payroll-mini-grid img,.contact-mini-grid img{
  object-fit:contain !important;
  background:transparent !important;
}
.process-icon{overflow:hidden !important;}
.process-icon img{width:52px !important;height:52px !important;}

/* Consistent card text spacing */
.market-card h3,.estate-card h3,.trade-card h3,.payroll-card h3,.contact-card h3,
.wallet-feature-card h3,.credit-feature-card h3,.credit-loan-card h3,.escrow-card h3{
  line-height:1.18 !important;
  letter-spacing:-.025em !important;
}
.market-card p,.estate-card p,.trade-card p,.payroll-card p,.contact-card p,
.wallet-feature-card p,.credit-feature-card p,.credit-loan-card p,.escrow-card p{
  line-height:1.48 !important;
}

/* One global CTA only, aligned like homepage */
.nih-cta{padding:26px 0 24px !important;}
.nih-cta__card{border-radius:15px !important;}

@media (max-width:1100px){
  :root{--site-side-space:38px;}
  .header-shell{gap:18px !important;}
  .nav-links{gap:17px !important;margin-left:18px !important;}
  .nav-links a{font-size:12.4px !important;}
}
@media (max-width:900px){
  :root{--site-side-space:32px;}
  .about-container,.wallet-container,.credit-container,.biz-container,.estate-container,.trade-container,.payroll-container,.contact-container,.escrow-page-container,.nih-tail__container{width:calc(100% - 32px) !important;}
  .about-hero-title,.wallet-hero h1,.credit-hero h1,.biz-hero h1,.estate-hero h1,.trade-hero h1,.payroll-hero h1,.contact-hero h1,.escrow-hero h1{font-size:clamp(36px,9vw,48px) !important;}
}
@media (max-width:560px){
  :root{--site-side-space:24px;}
  .about-container,.wallet-container,.credit-container,.biz-container,.estate-container,.trade-container,.payroll-container,.contact-container,.escrow-page-container,.nih-tail__container{width:calc(100% - 24px) !important;}
  .nih-cta__actions{grid-template-columns:1fr !important;}
}