/* =====================================================
   NIH BANK FINAL UNIFORM QA PASS V3
   Header/footer locked to homepage, corrected inner-page spacing,
   no duplicate CTAs, clean icon/title/description card structure.
   ===================================================== */
:root{--site-container:1200px;--site-side-space:56px;--red:#a8040b;--red-2:#c00912;--ink:#10131b;--muted:#596273;--line:#e6e8ed;}
*{box-sizing:border-box}
body{margin:0;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;background:#fff;}
img{display:block;max-width:100%;height:auto;}
/* Exact homepage header everywhere */
.site-header{position:sticky!important;top:0!important;z-index:999!important;height:76px!important;background:rgba(255,255,255,.96)!important;border-bottom:1px solid rgba(224,227,233,.95)!important;box-shadow:0 7px 24px rgba(16,19,27,.035)!important;backdrop-filter:blur(14px)!important;}
.header-shell{width:min(var(--site-container),calc(100% - var(--site-side-space)))!important;height:100%!important;margin:0 auto!important;display:flex!important;align-items:center!important;gap:26px!important;}
.brand{display:flex!important;align-items:center!important;flex:0 0 auto!important;line-height:1!important;text-decoration:none!important;}
.brand img{width:154px!important;height:auto!important;object-fit:contain!important;}
.nav-links{flex:1!important;display:flex!important;align-items:center!important;justify-content:flex-end!important;gap:29px!important;margin-left:34px!important;}
.nav-links a{position:relative!important;display:inline-flex!important;align-items:center!important;height:76px!important;color:#151923!important;font-size:13px!important;font-weight:750!important;letter-spacing:-.012em!important;white-space:nowrap!important;text-decoration:none!important;padding:0!important;line-height:1!important;}
.nav-links a:hover{color:var(--red)!important;}
.nav-links a.active::after{content:""!important;position:absolute!important;left:0!important;right:0!important;bottom:21px!important;height:3px!important;border-radius:999px!important;background:var(--red-2)!important;transform:none!important;}
.header-cta{flex:0 0 auto!important;min-width:116px!important;height:42px!important;display:inline-flex!important;align-items:center!important;justify-content:center!important;border-radius:5px!important;background:linear-gradient(180deg,#b40610,#93040b)!important;color:#fff!important;font-size:13px!important;font-weight:800!important;box-shadow:0 12px 25px rgba(168,4,11,.20)!important;text-decoration:none!important;}
.mobile-toggle{display:none!important;}
/* Uniform margins */
.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;}
main > section:first-child{margin-top:0!important;}
section{scroll-margin-top:92px;}
/* Prevent huge blank spaces after header */
.about-hero,.wallet-hero,.credit-hero,.biz-hero,.estate-hero,.trade-hero,.payroll-hero,.contact-hero,.escrow-hero{padding-top:42px!important;padding-bottom:28px!important;}
.wallet-hero{padding-bottom:18px!important;}
.features-panel{padding-top:20px!important;margin-top:0!important;}
/* Inner page hero typography */
.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;}
/* Page hero grids aligned */
.hero-grid,.about-hero-grid,.credit-hero-grid,.biz-hero-grid,.estate-hero-grid,.trade-hero-grid,.payroll-hero-grid,.contact-hero-grid,.escrow-hero-grid{align-items:center!important;}
.wallet-hero .hero-grid{display:grid!important;grid-template-columns:minmax(0,.95fr) minmax(430px,1.05fr)!important;gap:32px!important;align-items:center!important;}
.wallet-hero .hero-copy{padding-top:0!important;max-width:620px!important;}
.wallet-hero .hero-visual{min-height:410px!important;display:flex!important;align-items:center!important;justify-content:center!important;overflow:visible!important;}
.wallet-hero .hero-visual>img{width:min(100%,650px)!important;height:auto!important;object-fit:contain!important;position:relative!important;z-index:2!important;}
.wallet-hero .hero-globe{z-index:1!important;}
.hero-pill-grid{display:grid!important;grid-template-columns:repeat(4,1fr)!important;gap:0!important;max-width:670px!important;margin-top:0!important;}
.hero-pill-grid article{display:flex!important;flex-direction:column!important;align-items:center!important;justify-content:flex-start!important;text-align:center!important;min-height:122px!important;padding:0 20px!important;}
.hero-pill-grid article+article{border-left:1px solid var(--line)!important;}
.hero-pill-grid img{width:52px!important;height:52px!important;object-fit:contain!important;margin:0 0 14px!important;background:transparent!important;box-shadow:none!important;}
.hero-pill-grid strong{display:block!important;font-size:14px!important;line-height:1.22!important;font-weight:900!important;color:#121722!important;}
.hero-pill-grid small{display:block!important;margin-top:9px!important;color:#687383!important;font-size:12.5px!important;line-height:1.42!important;font-weight:600!important;}
/* About core features: icon, title, description */
.features-section{padding-top:22px!important;padding-bottom:34px!important;}
.features-section .feature-grid{display:grid!important;grid-template-columns:repeat(4,minmax(0,1fr))!important;gap:18px!important;}
.features-section .feature-card{min-height:260px!important;display:flex!important;flex-direction:column!important;align-items:center!important;justify-content:flex-start!important;text-align:center!important;padding:30px 22px!important;border:1px solid rgba(225,228,234,.96)!important;border-radius:16px!important;background:linear-gradient(180deg,#fff,#fbfcfd)!important;box-shadow:0 16px 42px rgba(16,19,27,.055)!important;overflow:hidden!important;}
.features-section .feature-card img{width:96px!important;height:96px!important;object-fit:contain!important;margin:0 auto 18px!important;background:transparent!important;box-shadow:none!important;filter:drop-shadow(0 10px 14px rgba(16,19,27,.07))!important;}
.features-section .feature-card h3{margin:0!important;max-width:210px!important;color:#11141c!important;font-size:16px!important;line-height:1.24!important;letter-spacing:-.026em!important;font-weight:950!important;}
.features-section .feature-card p{margin:12px 0 0!important;max-width:220px!important;color:#596273!important;font-size:13.3px!important;line-height:1.52!important;font-weight:560!important;}
.features-section .wide-feature{grid-column:span 2!important;}
.features-section .wide-feature h3{max-width:300px!important;}
.features-section .wide-feature p{max-width:420px!important;}
/* General card image treatment */
.offer-card img,.wallet-feature-grid 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,.value-row img,.roadmap-card img,.process-icon img,.why-mini-grid img,.estate-mini-grid img{object-fit:contain!important;background:transparent!important;box-shadow:none!important;}
.icon-circle img{width:48px!important;height:48px!important;object-fit:contain!important;background:transparent!important;}
.wallet-feature-grid article{display:flex!important;flex-direction:column!important;align-items:center!important;justify-content:flex-start!important;text-align:center!important;}
.wallet-feature-grid h3{margin:0!important;line-height:1.25!important;}
.wallet-feature-grid p{margin-top:12px!important;line-height:1.52!important;}
.market-img img,.estate-img img,.trade-card-icon img,.payroll-card-icon img,.contact-card-icon img,.credit-card-icon img{max-width:96px!important;max-height:88px!important;object-fit:contain!important;background:transparent!important;}
.process-icon{overflow:hidden!important;}
.process-icon img{width:52px!important;height:52px!important;object-fit:contain!important;background:transparent!important;}
/* Reasonable section spacing */
.features-panel,.transfer-choice,.credit-features,.credit-loans,.digital-loan-flow,.marketplace-solutions,.everyday-commerce,.payment-process,.business-why,.estate-solutions,.estate-process,.estate-why,.trade-products,.trade-services,.payroll-solutions,.contact-options{padding-top:18px!important;padding-bottom:24px!important;}
/* One global CTA only before footer */
.nih-cta{padding:30px 0 24px!important;}
.nih-cta__card{border-radius:15px!important;}
/* Footer locked */
.nih-footer{background:#101114!important;color:#fff!important;}
@media (max-width:1180px){:root{--site-side-space:38px}.header-shell{gap:18px!important}.nav-links{gap:17px!important;margin-left:18px!important}.nav-links a{font-size:12.2px!important}.wallet-hero .hero-grid{grid-template-columns:1fr!important;text-align:center!important}.wallet-hero .hero-copy{margin:auto!important}.hero-pill-grid{margin-left:auto!important;margin-right:auto!important}.features-section .feature-grid{grid-template-columns:repeat(3,minmax(0,1fr))!important}.features-section .wide-feature{grid-column:span 3!important}}
@media (max-width:900px){:root{--site-side-space:32px}.header-shell,.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}.mobile-toggle{display:inline-flex!important;width:44px!important;height:40px!important;border:0!important;background:transparent!important;flex-direction:column!important;gap:5px!important;align-items:center!important;justify-content:center!important}.mobile-toggle span{width:24px!important;height:3px!important;background:#111!important;border-radius:9px!important}.header-cta{display:none!important}.nav-links{position:absolute!important;left:16px!important;right:16px!important;top:76px!important;display:none!important;flex-direction:column!important;align-items:stretch!important;gap:0!important;margin:0!important;padding:12px!important;background:#fff!important;border:1px solid var(--line)!important;border-radius:14px!important;box-shadow:0 22px 60px rgba(16,19,27,.10)!important}.nav-links.open{display:flex!important}.nav-links a{height:auto!important;padding:15px 12px!important;font-size:13px!important}.nav-links a.active::after{display:none!important}.wallet-hero .hero-grid{grid-template-columns:1fr!important}.wallet-hero .hero-visual{min-height:320px!important}.hero-pill-grid{grid-template-columns:repeat(2,1fr)!important;gap:18px!important}.hero-pill-grid article,.hero-pill-grid article+article{border-left:0!important;padding:0!important}.features-section .feature-grid{grid-template-columns:repeat(2,minmax(0,1fr))!important}.features-section .wide-feature{grid-column:span 2!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}.header-shell,.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}.features-section .feature-grid,.features-section .wide-feature{grid-template-columns:1fr!important;grid-column:span 1!important}.hero-pill-grid{grid-template-columns:repeat(2,1fr)!important}.wallet-hero .hero-visual{min-height:250px!important}.nih-cta__actions{grid-template-columns:1fr!important}}


/* =====================================================
   NIH BANK FINAL FIX PASS V4
   Requested corrections: remove duplicate/extra home strip, remove wallet gap,
   simple wallet features, compact trade boxes, linked contact help, fixed escrow.
   ===================================================== */

/* Home hero cleanup: no trust row and no bottom feature strip */
.trust-row,.feature-shell{display:none!important;}
.hero{padding-bottom:42px!important;}
.hero-shell{padding-bottom:18px!important;}

/* Home credit section cleanup: remove available-credit side card and make loan cards fit content */
.credit-section .credit-highlight-card{display:none!important;}
.credit-section .credit-layout,
.credit-section .credit-layout-clean{display:block!important;}
.credit-section .credit-cards-grid{display:grid!important;grid-template-columns:repeat(4,minmax(0,1fr))!important;gap:18px!important;align-items:stretch!important;}
.credit-section .credit-card{min-height:0!important;height:auto!important;padding:22px 20px 20px!important;display:flex!important;flex-direction:column!important;justify-content:flex-start!important;}
.credit-section .credit-card-icon{height:128px!important;margin:0 0 18px!important;display:flex!important;align-items:center!important;justify-content:center!important;}
.credit-section .credit-card-icon img{max-height:118px!important;max-width:150px!important;width:auto!important;height:auto!important;object-fit:contain!important;background:transparent!important;filter:drop-shadow(0 12px 18px rgba(16,19,27,.10))!important;}
.credit-section .credit-card-copy{display:flex!important;flex-direction:column!important;flex:1!important;}
.credit-section .credit-card-copy h3{min-height:42px!important;margin:0!important;font-size:17px!important;line-height:1.22!important;}
.credit-section .credit-card-copy p{min-height:0!important;margin:10px 0 22px!important;font-size:13.5px!important;line-height:1.55!important;}
.credit-section .credit-card-copy a{margin-top:auto!important;padding-top:0!important;}

/* Digital wallet: remove large blank gap below header and keep hero content near top */
.wallet-page .wallet-hero{padding-top:22px!important;padding-bottom:22px!important;margin-top:0!important;}
.wallet-page .wallet-hero::before{inset:8% 0 auto!important;height:300px!important;opacity:.42!important;}
.wallet-page .hero-grid{align-items:start!important;gap:28px!important;min-height:0!important;}
.wallet-page .hero-copy{padding-top:18px!important;}
.wallet-page .hero-copy h1{margin-top:20px!important;margin-bottom:18px!important;}
.wallet-page .hero-copy p{margin-bottom:26px!important;}
.wallet-page .hero-visual{min-height:360px!important;align-items:flex-start!important;padding-top:0!important;overflow:visible!important;}
.wallet-page .hero-visual>img{width:min(100%,610px)!important;max-height:430px!important;object-fit:contain!important;background:transparent!important;}
.wallet-page .hero-globe{max-height:420px!important;object-fit:contain!important;}
.wallet-page .hero-pill-grid{margin-top:0!important;}
.wallet-page .hero-pill-grid article{min-height:112px!important;}

/* Digital wallet Powerful Wallet Features: remove outer box, align to normal page margins */
.wallet-page .features-panel{padding-top:28px!important;padding-bottom:30px!important;margin-top:0!important;}
.wallet-page .features-panel .panel-card{border:0!important;box-shadow:none!important;border-radius:0!important;background:transparent!important;padding:0!important;}
.wallet-page .wallet-feature-grid{gap:18px!important;margin-top:26px!important;}
.wallet-page .wallet-feature-grid article{min-height:210px!important;border-radius:14px!important;padding:26px 18px 24px!important;}
.wallet-page .wallet-feature-grid .icon-circle{width:72px!important;height:72px!important;margin-bottom:18px!important;}
.wallet-page .wallet-feature-grid .icon-circle img{width:46px!important;height:46px!important;}

/* International Trade Finance: compact cards and cleaner gaps */
.trade-products,.trade-confidence,.trade-process,.trade-why{padding-top:10px!important;padding-bottom:18px!important;}
.trade-grid{gap:12px!important;}
.trade-card{min-height:104px!important;grid-template-columns:92px minmax(0,1fr)!important;gap:14px!important;padding:13px 16px!important;border-radius:14px!important;}
.trade-img{height:72px!important;}
.trade-img img{max-width:78px!important;max-height:70px!important;object-fit:contain!important;background:transparent!important;}
.trade-card h3{font-size:15.5px!important;line-height:1.22!important;margin:0!important;}
.trade-card p{font-size:12.8px!important;line-height:1.42!important;margin:6px 0 0!important;}
.trade-services-grid,.trade-confidence-grid{gap:14px!important;}

/* Contact help links */
.help-card ul{list-style:none!important;margin:0!important;padding:0!important;display:grid!important;gap:10px!important;}
.help-card li{padding:0!important;margin:0!important;border:0!important;}
.help-card li a{min-height:52px!important;display:flex!important;align-items:center!important;gap:12px!important;padding:11px 13px!important;border:1px solid var(--line)!important;border-radius:12px!important;background:#fff!important;color:#151923!important;text-decoration:none!important;font-size:14px!important;font-weight:800!important;line-height:1.25!important;transition:transform .2s ease,border-color .2s ease,box-shadow .2s ease!important;}
.help-card li a:hover{transform:translateY(-2px)!important;border-color:rgba(168,4,11,.2)!important;box-shadow:0 16px 34px rgba(16,19,27,.07)!important;color:var(--red)!important;}
.help-card li a img{width:34px!important;height:34px!important;object-fit:contain!important;background:transparent!important;}

/* Escrow page compatibility and clean modern layout */
.escrow-page .escrow-hero{position:relative!important;padding:34px 0 30px!important;background:radial-gradient(circle at 90% 16%,rgba(168,4,11,.035),transparent 20%)!important;}
.escrow-page .escrow-hero-grid{display:grid!important;grid-template-columns:minmax(0,.9fr) minmax(420px,1.1fr)!important;gap:32px!important;align-items:center!important;}
.escrow-page .escrow-eyebrow{display:inline-flex!important;align-items:center!important;gap:12px!important;color:var(--red)!important;font-size:17px!important;font-weight:900!important;}
.escrow-page .escrow-eyebrow::before{content:""!important;width:34px!important;height:3px!important;border-radius:99px!important;background:var(--red)!important;}
.escrow-page .escrow-hero h1{margin:20px 0 18px!important;color:#0f131a!important;font-size:clamp(42px,5vw,62px)!important;line-height:.98!important;font-weight:950!important;letter-spacing:-.065em!important;}
.escrow-page .escrow-hero p{margin:0!important;max-width:610px!important;color:#4d586b!important;font-size:17px!important;line-height:1.65!important;font-weight:540!important;}
.escrow-page .escrow-hero-actions{display:flex!important;gap:16px!important;flex-wrap:wrap!important;margin-top:28px!important;}
.escrow-page .escrow-visual{position:relative!important;min-height:390px!important;display:flex!important;align-items:center!important;justify-content:center!important;}
.escrow-phone-card{position:relative!important;z-index:2!important;width:245px!important;min-height:390px!important;border:11px solid #1a1f28!important;border-radius:34px!important;background:#fff!important;box-shadow:0 24px 50px rgba(16,19,27,.18)!important;padding:18px 16px!important;}
.escrow-phone-card .phone-top{width:78px!important;height:18px!important;border-radius:999px!important;background:#111722!important;margin:0 auto 18px!important;}
.escrow-screen-head{border-radius:16px!important;background:linear-gradient(180deg,#c40812,#9c050b)!important;color:#fff!important;padding:15px!important;}
.escrow-screen-head span,.escrow-screen-head small{display:block!important;color:rgba(255,255,255,.86)!important;font-size:12px!important;line-height:1.2!important;}
.escrow-screen-head strong{display:block!important;font-size:27px!important;letter-spacing:-.04em!important;margin:5px 0!important;}
.escrow-status-card{margin-top:12px!important;padding:13px!important;border:1px solid #edf0f4!important;border-radius:14px!important;background:#fff!important;box-shadow:0 10px 24px rgba(16,19,27,.045)!important;}
.escrow-status-card b,.escrow-status-card span,.escrow-status-card em{display:block!important;}
.escrow-status-card b{font-size:13px!important;color:#11141c!important;}
.escrow-status-card span{margin-top:4px!important;font-size:12px!important;color:#647082!important;}
.escrow-status-card em{margin-top:8px!important;width:max-content!important;padding:5px 10px!important;border-radius:999px!important;background:rgba(15,172,88,.1)!important;color:#15864d!important;font-size:11px!important;font-style:normal!important;font-weight:800!important;}
.escrow-shield-visual{position:absolute!important;right:5%!important;bottom:42px!important;z-index:1!important;width:190px!important;height:210px!important;display:grid!important;place-items:center!important;background:linear-gradient(135deg,#f9fafc,#c6ccd6)!important;clip-path:polygon(50% 0,100% 18%,100% 62%,50% 100%,0 62%,0 18%)!important;box-shadow:0 24px 44px rgba(16,19,27,.14)!important;}
.escrow-shield-visual span{color:#fff!important;background:#828993!important;padding:16px 18px!important;border-radius:4px!important;font-size:19px!important;font-weight:950!important;text-align:center!important;line-height:1.08!important;text-shadow:0 2px 5px rgba(0,0,0,.18)!important;}
.escrow-coin-stack{position:absolute!important;left:9%!important;bottom:30px!important;width:140px!important;height:82px!important;background:radial-gradient(ellipse at center,#f8d86a 0 42%,transparent 43%),linear-gradient(180deg,#f4cf58,#b9871b)!important;border-radius:50%!important;opacity:.95!important;filter:drop-shadow(0 16px 22px rgba(16,19,27,.12))!important;}
.escrow-page .escrow-strip{padding:8px 0 22px!important;}
.escrow-page .escrow-strip-card{display:grid!important;grid-template-columns:repeat(5,1fr)!important;gap:0!important;min-height:82px!important;border:1px solid var(--line)!important;border-radius:16px!important;background:#fff!important;box-shadow:0 16px 42px rgba(16,19,27,.06)!important;overflow:hidden!important;}
.escrow-page .escrow-strip-card article{display:flex!important;align-items:center!important;justify-content:center!important;gap:12px!important;text-align:left!important;padding:14px 16px!important;}
.escrow-page .escrow-strip-card article+article{border-left:1px solid var(--line)!important;}
.escrow-page .escrow-strip-card span{width:34px!important;height:34px!important;display:grid!important;place-items:center!important;border-radius:50%!important;background:rgba(168,4,11,.08)!important;color:var(--red)!important;font-weight:900!important;}
.escrow-page .escrow-strip-card strong{font-size:14px!important;line-height:1.18!important;font-weight:900!important;color:#151923!important;}
.escrow-page .escrow-grid{display:grid!important;grid-template-columns:repeat(3,minmax(0,1fr))!important;gap:14px!important;}
.escrow-page .escrow-card{display:grid!important;grid-template-columns:82px 1fr!important;gap:16px!important;align-items:center!important;min-height:118px!important;padding:16px 18px!important;border:1px solid var(--line)!important;border-radius:15px!important;background:#fff!important;box-shadow:0 16px 42px rgba(16,19,27,.055)!important;}
.escrow-page .escrow-card img{width:72px!important;height:72px!important;object-fit:contain!important;background:transparent!important;filter:drop-shadow(0 10px 14px rgba(16,19,27,.08))!important;}
.escrow-page .escrow-card h3{margin:0!important;font-size:16px!important;line-height:1.22!important;font-weight:950!important;color:#11141c!important;}
.escrow-page .escrow-card p{margin:7px 0 0!important;font-size:13px!important;line-height:1.45!important;color:#596273!important;}
.escrow-page .escrow-process-grid{display:grid!important;grid-template-columns:repeat(5,1fr)!important;gap:0!important;}
.escrow-page .escrow-step{position:relative!important;text-align:center!important;padding:36px 14px 12px!important;}
.escrow-page .escrow-step:not(:last-child)::after{content:"→"!important;position:absolute!important;right:-12px!important;top:62px!important;font-size:35px!important;color:rgba(168,4,11,.42)!important;}
.escrow-page .escrow-step span{position:absolute!important;top:0!important;left:50%!important;transform:translate(-50%,-4px)!important;width:38px!important;height:38px!important;border-radius:50%!important;background:linear-gradient(180deg,#bd0810,#98040a)!important;color:#fff!important;display:grid!important;place-items:center!important;font-weight:950!important;box-shadow:0 12px 24px rgba(168,4,11,.22)!important;}
.escrow-page .escrow-step img{width:76px!important;height:76px!important;object-fit:contain!important;margin:18px auto 10px!important;}
.escrow-page .escrow-step h3{margin:0!important;font-size:14px!important;line-height:1.2!important;font-weight:950!important;color:#11141c!important;}
.escrow-page .escrow-step p{margin:8px auto 0!important;max-width:150px!important;font-size:12.4px!important;line-height:1.38!important;color:#596273!important;}
.escrow-page .escrow-why-panel{display:grid!important;grid-template-columns:1fr 1fr!important;gap:16px!important;align-items:stretch!important;}
.escrow-page .escrow-dark-card,.escrow-page .escrow-light-card{border-radius:16px!important;padding:28px!important;box-shadow:0 18px 46px rgba(16,19,27,.06)!important;}
.escrow-page .escrow-dark-card{background:linear-gradient(135deg,#171b22,#0d0f14)!important;color:#fff!important;}
.escrow-page .escrow-light-card{background:#fff!important;border:1px solid var(--line)!important;color:#11141c!important;}
.escrow-use-grid{display:grid!important;grid-template-columns:repeat(2,1fr)!important;gap:12px!important;}
.escrow-use-grid span{padding:14px!important;border:1px solid var(--line)!important;border-radius:12px!important;background:#fbfcfd!important;font-size:13px!important;font-weight:850!important;color:#151923!important;}

/* Image cleanliness: avoid checker/boxed backgrounds globally */
.credit-section img,.wallet-page img,.trade-page img,.escrow-page img,.contact-page img{background:transparent!important;}

@media(max-width:1180px){
  .credit-section .credit-cards-grid{grid-template-columns:repeat(2,minmax(0,1fr))!important;}
  .wallet-page .hero-grid{grid-template-columns:1fr!important;text-align:center!important;}
  .wallet-page .hero-copy{margin:auto!important;}
  .wallet-page .hero-visual{justify-content:center!important;min-height:300px!important;}
  .escrow-page .escrow-hero-grid{grid-template-columns:1fr!important;text-align:center!important;}
  .escrow-page .escrow-hero p{margin:auto!important;}
  .escrow-page .escrow-hero-actions{justify-content:center!important;}
  .escrow-page .escrow-grid{grid-template-columns:repeat(2,minmax(0,1fr))!important;}
  .escrow-page .escrow-why-panel{grid-template-columns:1fr!important;}
}
@media(max-width:900px){
  .wallet-page .hero-visual{min-height:260px!important;}
  .wallet-page .hero-visual>img{max-height:330px!important;}
  .wallet-page .wallet-feature-grid{grid-template-columns:repeat(2,1fr)!important;}
  .trade-grid{grid-template-columns:1fr!important;}
  .trade-card{grid-template-columns:78px 1fr!important;}
  .escrow-page .escrow-strip-card{grid-template-columns:repeat(5,minmax(155px,1fr))!important;overflow-x:auto!important;}
  .escrow-page .escrow-grid{grid-template-columns:1fr!important;}
  .escrow-page .escrow-process-grid{grid-template-columns:1fr!important;}
  .escrow-page .escrow-step{display:grid!important;grid-template-columns:42px 74px 1fr!important;text-align:left!important;gap:12px!important;align-items:center!important;padding:14px!important;}
  .escrow-page .escrow-step:not(:last-child)::after{display:none!important;}
  .escrow-page .escrow-step span{position:relative!important;top:auto!important;left:auto!important;transform:none!important;grid-row:1/3!important;}
  .escrow-page .escrow-step img{margin:0!important;width:64px!important;height:64px!important;grid-row:1/3!important;}
  .escrow-page .escrow-step p{max-width:none!important;margin:6px 0 0!important;}
}
@media(max-width:560px){
  .credit-section .credit-cards-grid,.wallet-page .wallet-feature-grid{grid-template-columns:1fr!important;}
  .wallet-page .wallet-hero{padding-top:18px!important;}
  .wallet-page .hero-pill-grid{grid-template-columns:repeat(2,1fr)!important;gap:16px!important;}
  .credit-section .credit-card{padding:18px!important;}
  .credit-section .credit-card-icon{height:108px!important;}
  .escrow-page .escrow-phone-card{width:225px!important;}
  .escrow-shield-visual{display:none!important;}
}


/* =====================================================
   FINAL V5 CORRECTION PASS
   Fixes: contact help links, wallet image sizing, homepage security section,
   cleaner image blending, compact sections without destroying existing layout.
   ===================================================== */

/* Homepage Security & Protection section restored from approved security-to-footer build */
.nih-security{padding:42px 0 18px!important;background:linear-gradient(180deg,#fbfcfd 0%,#f8f9fb 100%)!important;}
.nih-section-title{margin:0!important;font-size:clamp(24px,2.4vw,32px)!important;line-height:1.12!important;letter-spacing:-.045em!important;font-weight:900!important;color:#151923!important;}
.nih-section-subtitle{margin:8px 0 24px!important;font-size:14px!important;line-height:1.55!important;color:#5f6675!important;font-weight:600!important;}
.nih-security__grid{display:grid!important;grid-template-columns:repeat(5,minmax(0,1fr))!important;align-items:stretch!important;overflow:hidden!important;min-height:150px!important;background:rgba(255,255,255,.96)!important;border:1px solid rgba(16,24,40,.075)!important;border-radius:16px!important;box-shadow:0 24px 70px rgba(16,24,40,.07),0 1px 1px rgba(16,24,40,.03)!important;}
.nih-security__item{position:relative!important;display:flex!important;flex-direction:column!important;align-items:center!important;justify-content:flex-start!important;text-align:center!important;padding:22px 24px 24px!important;min-width:0!important;background:#fff!important;}
.nih-security__item+.nih-security__item::before{content:""!important;position:absolute!important;left:0!important;top:24px!important;bottom:24px!important;width:1px!important;background:linear-gradient(180deg,transparent,rgba(18,23,34,.16),transparent)!important;}
.nih-security__icon-wrap{display:grid!important;place-items:center!important;width:50px!important;height:50px!important;margin-bottom:14px!important;}
.nih-security__icon{display:block!important;width:48px!important;height:48px!important;object-fit:contain!important;background:transparent!important;box-shadow:none!important;filter:drop-shadow(0 8px 12px rgba(168,4,11,.08))!important;}
.nih-security__item h3{margin:0 0 9px!important;font-size:14px!important;line-height:1.16!important;font-weight:900!important;letter-spacing:-.02em!important;color:#171a22!important;}
.nih-security__item p{margin:0!important;max-width:164px!important;font-size:12.5px!important;line-height:1.58!important;font-weight:600!important;color:#626978!important;}

/* Contact page: fix destroyed “We Can Help With” list. Icon/title aligned, full-width cards. */
.contact-page .form-layout{grid-template-columns:minmax(0,1.18fr) minmax(360px,.82fr)!important;align-items:start!important;gap:28px!important;}
.contact-page .help-card{padding:28px!important;border-radius:16px!important;overflow:hidden!important;background:#fff!important;}
.contact-page .help-card::before{left:0!important;top:28px!important;bottom:28px!important;width:3px!important;}
.contact-page .help-card h2{margin:0 0 18px!important;font-size:28px!important;line-height:1.05!important;letter-spacing:-.05em!important;}
.contact-page .help-card ul{list-style:none!important;margin:0!important;padding:0!important;display:grid!important;grid-template-columns:1fr!important;gap:11px!important;}
.contact-page .help-card li{display:block!important;grid-template-columns:none!important;min-height:0!important;margin:0!important;padding:0!important;border:0!important;color:inherit!important;}
.contact-page .help-card li a{width:100%!important;min-height:62px!important;display:grid!important;grid-template-columns:40px minmax(0,1fr)!important;align-items:center!important;gap:14px!important;padding:13px 15px!important;border:1px solid var(--line)!important;border-radius:14px!important;background:linear-gradient(180deg,#fff,#fbfcfd)!important;color:#151923!important;text-decoration:none!important;font-size:14px!important;font-weight:900!important;line-height:1.2!important;letter-spacing:-.018em!important;box-shadow:0 12px 28px rgba(16,19,27,.045)!important;transition:transform .18s ease,border-color .18s ease,box-shadow .18s ease,color .18s ease!important;}
.contact-page .help-card li a:hover{transform:translateY(-2px)!important;border-color:rgba(168,4,11,.24)!important;box-shadow:0 20px 40px rgba(16,19,27,.075)!important;color:var(--red)!important;}
.contact-page .help-card li a img{width:34px!important;height:34px!important;object-fit:contain!important;background:transparent!important;margin:0!important;filter:drop-shadow(0 8px 12px rgba(168,4,11,.08))!important;}

/* Wallet hero: make approved visual readable, no tiny image caused by transparent padding. */
.wallet-page .wallet-hero{padding-top:36px!important;padding-bottom:20px!important;}
.wallet-page .hero-grid{grid-template-columns:minmax(0,.92fr) minmax(460px,1.08fr)!important;gap:36px!important;align-items:center!important;}
.wallet-page .hero-visual{min-height:430px!important;justify-content:center!important;overflow:visible!important;}
.wallet-page .hero-visual>img{width:min(100%,760px)!important;max-width:760px!important;max-height:none!important;object-fit:contain!important;filter:drop-shadow(0 24px 38px rgba(16,19,27,.11))!important;}
.wallet-page .hero-globe{display:none!important;}
.wallet-page .hero-pill-grid{margin-top:24px!important;}
.wallet-page .features-panel{padding-top:8px!important;}
.wallet-page .panel-card{border:0!important;border-radius:0!important;box-shadow:none!important;background:transparent!important;padding:18px 0 26px!important;}
.wallet-page .wallet-feature-grid{margin-top:24px!important;}

/* Extra-clean image treatment across product/feature cards. */
.wallet-page img,.credit-section img,.biz-page img,.estate-page img,.trade-page img,.escrow-page img,.contact-page img,.about-page img{background:transparent!important;}
.wallet-feature-grid article,.credit-card,.credit-loan-card,.market-card,.estate-card,.trade-card,.payroll-card,.reason-grid article,.escrow-card{overflow:hidden!important;}

@media(max-width:1180px){
  .contact-page .form-layout{grid-template-columns:1fr!important;}
  .wallet-page .hero-grid{grid-template-columns:1fr!important;text-align:center!important;}
  .wallet-page .hero-copy{max-width:700px!important;margin:auto!important;}
  .wallet-page .hero-visual{min-height:360px!important;}
  .wallet-page .hero-visual>img{max-width:720px!important;}
  .nih-security__grid{grid-template-columns:repeat(3,minmax(0,1fr))!important;border-radius:16px!important;}
  .nih-security__item:nth-child(4)::before{display:none!important;}
}
@media(max-width:900px){
  .contact-page .help-card li a{grid-template-columns:38px 1fr!important;min-height:58px!important;}
  .wallet-page .hero-visual{min-height:300px!important;}
  .wallet-page .hero-visual>img{max-width:620px!important;}
  .nih-security__grid{grid-template-columns:repeat(2,minmax(0,1fr))!important;}
  .nih-security__item::before{display:none!important;}
  .nih-security__item{border-bottom:1px solid rgba(18,23,34,.08)!important;}
}
@media(max-width:560px){
  .wallet-page .hero-visual{min-height:230px!important;}
  .wallet-page .hero-visual>img{max-width:110%!important;width:110%!important;}
  .wallet-page .hero-pill-grid{grid-template-columns:repeat(2,1fr)!important;}
  .nih-security__grid{grid-template-columns:1fr!important;}
  .contact-page .help-card{padding:22px 18px!important;}
}