/* =============================================
   M5 BANK - SPECIFIC STYLES
   ============================================= */

/* Smooth scroll with offset for fixed header + sticky nav */
html {
    scroll-behavior: smooth;
    scroll-padding-top: 140px; /* Offset for fixed header (60px) + sticky nav (70px) + buffer (10px) */
}

/* =============================================
   HERO SECTION - BANK
   ============================================= */
.hero-bank {
    background: linear-gradient(135deg, #1A2332 0%, #2A3442 50%, #1A2332 100%);
    padding: calc(var(--spacing-2xl) + var(--spacing-lg)) 0 var(--spacing-2xl);
    position: relative;
    overflow: hidden;
}

.hero-bank::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: 
        radial-gradient(circle at 15% 30%, rgba(0, 188, 212, 0.12) 0%, transparent 50%),
        radial-gradient(circle at 85% 70%, rgba(124, 77, 255, 0.12) 0%, transparent 50%);
}

.hero-content-bank {
    position: relative;
    z-index: 1;
    max-width: 900px;
    margin: 0 auto;
    text-align: center;
}

.hero-badge-bank {
    display: inline-block;
    background-color: rgba(0, 188, 212, 0.15);
    border: 1px solid #00BCD4;
    color: #00BCD4;
    padding: var(--spacing-xs) var(--spacing-md);
    border-radius: var(--radius-full);
    font-size: 0.8rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    margin-bottom: var(--spacing-md);
}

.hero-title-bank {
    font-size: var(--font-size-4xl);
    font-weight: 800;
    color: var(--color-white);
    margin-bottom: var(--spacing-md);
    line-height: 1.2;
}

.hero-description-bank {
    font-size: var(--font-size-lg);
    color: var(--color-gray-300);
    line-height: 1.6;
    margin-bottom: var(--spacing-xl);
}

.hero-ctas-bank {
    display: flex;
    gap: var(--spacing-md);
    justify-content: center;
    flex-wrap: wrap;
}

.btn-outline-gold {
    background-color: transparent;
    border: 2px solid var(--color-gold);
    color: var(--color-gold);
}

.btn-outline-gold:hover {
    background-color: var(--color-gold);
    color: var(--color-navy);
}

/* =============================================
   SECTION ENHANCEMENTS
   ============================================= */
.section-eyebrow {
    display: inline-block;
    background: linear-gradient(135deg, #00BCD4 0%, #0097A7 100%);
    color: var(--color-white);
    padding: var(--spacing-xs) var(--spacing-lg);
    border-radius: var(--radius-full);
    font-size: var(--font-size-sm);
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.1em;
    margin-bottom: var(--spacing-md);
}

/* =============================================
   CONTENT LAYOUTS - BANK
   ============================================= */
.content-split-bank {
    display: grid;
    grid-template-columns: 1.3fr 1fr;
    gap: var(--spacing-3xl);
    align-items: center;
}

.section-title-bank {
    font-size: var(--font-size-4xl);
    font-weight: 800;
    color: var(--color-navy);
    margin-bottom: var(--spacing-md);
    margin-top: var(--spacing-xl);
}

.lead-text-bank {
    font-size: var(--font-size-2xl);
    color: var(--color-gray-600);
    line-height: 1.5;
    margin-bottom: var(--spacing-lg);
}

.body-text-bank {
    font-size: var(--font-size-lg);
    color: var(--color-gray-600);
    line-height: 1.7;
    margin-bottom: var(--spacing-xl);
}

.highlight-box {
    background: linear-gradient(135deg, var(--color-navy) 0%, var(--color-navy-light) 100%);
    padding: var(--spacing-xl);
    border-radius: var(--radius-xl);
    border-left: 4px solid var(--color-gold);
    margin-bottom: var(--spacing-3xl); /* Add space below "We Are Registry" container */
}

.highlight-box h4 {
    color: var(--color-gold);
    font-size: var(--font-size-xl);
    margin-bottom: var(--spacing-sm);
}

.highlight-box p {
    color: var(--color-gray-300);
    line-height: 1.7;
}

.content-visual-bank {
    display: flex;
    justify-content: center;
}

.visual-stack {
    display: flex;
    flex-direction: column;
    gap: var(--spacing-md);
    width: 100%;
}

.visual-item {
    background: linear-gradient(135deg, var(--color-navy) 0%, var(--color-navy-light) 100%);
    color: var(--color-white);
    padding: var(--spacing-lg) var(--spacing-xl);
    border-radius: var(--radius-lg);
    font-weight: 600;
    text-align: center;
    border-left: 4px solid #00BCD4;
    transition: all var(--transition-base);
}

.visual-item:hover {
    transform: translateX(8px);
    border-left-width: 6px;
}

/* =============================================
   M5POD SECTION - FOLLOWING M5 STANDARDS
   ============================================= */
.mpod-intro {
    max-width: 900px;
    margin: 0 auto var(--spacing-2xl);
    text-align: center;
}

.mpod-intro p {
    font-size: var(--font-size-xl);
    color: var(--color-gray-600);
    line-height: 1.7;
}

.mpod-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: var(--spacing-xl);
    margin-bottom: var(--spacing-3xl);
}

/* Center the third card when there are 3 cards */
.mpod-card:nth-child(3):last-child {
    grid-column: 1 / -1;
    max-width: 600px;
    margin: 0 auto;
}

@media (min-width: 1024px) {
    .mpod-grid {
        grid-template-columns: repeat(3, 1fr);
    }
    
    .mpod-card:nth-child(3):last-child {
        grid-column: auto;
        max-width: none;
        margin: 0;
    }
}

.mpod-card {
    background-color: var(--color-white);
    border: 2px solid var(--color-gray-200);
    border-radius: var(--radius-xl);
    padding: var(--spacing-2xl);
    transition: all var(--transition-slow);
}

.mpod-card:hover {
    border-color: #00BCD4;
    transform: translateY(-8px);
    box-shadow: var(--shadow-xl);
}

.mpod-number {
    display: inline-block;
    background: linear-gradient(135deg, #00BCD4, #0097A7);
    color: var(--color-white);
    width: 48px;
    height: 48px;
    border-radius: var(--radius-md);
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 800;
    font-size: var(--font-size-xl);
    margin-bottom: var(--spacing-md);
}

.mpod-card h3 {
    font-size: var(--font-size-xl);
    color: var(--color-navy);
    margin-bottom: var(--spacing-md);
}

.mpod-card p {
    color: var(--color-gray-600);
    line-height: 1.7;
}

.mpod-architecture {
    background-color: var(--color-gray-50);
    border-radius: var(--radius-2xl);
    padding: var(--spacing-2xl);
    margin-bottom: var(--spacing-3xl);
}

.mpod-architecture h3 {
    font-size: var(--font-size-2xl);
    color: var(--color-navy);
    text-align: center;
    margin-bottom: var(--spacing-xl);
}

.mpod-architecture-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(400px, 1fr));
    gap: var(--spacing-2xl);
}

.mpod-arch-column {
    background-color: var(--color-white);
    padding: var(--spacing-xl);
    border-radius: var(--radius-lg);
    border: 2px solid var(--color-gray-200);
}

.mpod-arch-column h4 {
    font-size: var(--font-size-xl);
    color: #00BCD4;
    margin-bottom: var(--spacing-md);
}

.mpod-arch-column ul {
    list-style: none;
    padding: 0;
    margin: 0;
}

.mpod-arch-column li {
    color: var(--color-gray-600);
    padding: var(--spacing-sm) 0;
    padding-left: var(--spacing-lg);
    position: relative;
    line-height: 1.7;
}

.mpod-arch-column li::before {
    content: '';
    position: absolute;
    left: 0;
    top: 1rem;
    width: 6px;
    height: 6px;
    background-color: #00BCD4;
    border-radius: 50%;
}

.mpod-arch-column strong {
    color: var(--color-navy);
    font-weight: 600;
}

.mpod-benefits {
    margin-bottom: var(--spacing-2xl);
}

.mpod-benefits h3 {
    font-size: var(--font-size-2xl);
    color: var(--color-navy);
    text-align: center;
    margin-bottom: var(--spacing-xl);
}

.mpod-benefits-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: var(--spacing-xl);
}

/* Center the fourth card when there are 4 cards */
.mpod-benefit-card:nth-child(4):last-child {
    grid-column: 1 / -1;
    max-width: 600px;
    margin: 0 auto;
}

@media (min-width: 1024px) {
    .mpod-benefits-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    
    .mpod-benefit-card:nth-child(4):last-child {
        grid-column: auto;
        max-width: none;
        margin: 0;
    }
}

.mpod-benefit-card {
    background-color: var(--color-white);
    border: 2px solid var(--color-gray-200);
    border-radius: var(--radius-xl);
    padding: var(--spacing-xl);
    transition: all var(--transition-slow);
}

.mpod-benefit-card:hover {
    border-color: #00BCD4;
    transform: translateY(-8px);
    box-shadow: var(--shadow-xl);
}

.mpod-benefit-number {
    display: inline-block;
    background: linear-gradient(135deg, #00BCD4, #0097A7);
    color: var(--color-white);
    font-size: var(--font-size-lg);
    font-weight: 800;
    width: 40px;
    height: 40px;
    border-radius: var(--radius-md);
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: var(--spacing-md);
}

.mpod-benefit-card h4 {
    font-size: var(--font-size-lg);
    color: var(--color-navy);
    margin-bottom: var(--spacing-sm);
}

.mpod-benefit-card p {
    color: var(--color-gray-600);
    line-height: 1.7;
}

/* Responsive M5POD Section */
@media (max-width: 768px) {
    .mpod-grid,
    .mpod-benefits-grid {
        grid-template-columns: 1fr;
    }
    
    .mpod-architecture-grid {
        grid-template-columns: 1fr;
    }
}

/* =============================================
   PRINCIPLES SECTION - BANK
   ============================================= */
.section-principles {
    padding: var(--spacing-3xl) 0;
    background: linear-gradient(135deg, var(--color-navy) 0%, var(--color-navy-light) 100%);
}

.principles-bank-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: var(--spacing-xl);
    margin-top: var(--spacing-2xl);
    margin-bottom: var(--spacing-xl); /* Reduce space below principles */
}

/* Center the grid items for better balance */
@media (min-width: 768px) {
    .principles-bank-grid {
        grid-template-columns: repeat(2, 1fr);
        max-width: 900px;
        margin-left: auto;
        margin-right: auto;
    }
}

.principle-bank-card {
    background-color: rgba(255, 255, 255, 0.05);
    border: 2px solid rgba(255, 255, 255, 0.1);
    padding: var(--spacing-xl);
    border-radius: var(--radius-xl);
    transition: all var(--transition-slow);
}

.principle-bank-card:hover {
    background-color: rgba(255, 255, 255, 0.08);
    border-color: #00BCD4;
    transform: translateY(-8px);
}

.principle-number {
    display: inline-block;
    background: linear-gradient(135deg, #00BCD4 0%, #0097A7 100%);
    color: var(--color-navy);
    font-size: var(--font-size-2xl);
    font-weight: 800;
    padding: var(--spacing-sm) var(--spacing-lg);
    border-radius: var(--radius-md);
    margin-bottom: var(--spacing-md);
}

.principle-bank-card h3 {
    font-size: var(--font-size-xl);
    color: var(--color-white);
    margin-bottom: var(--spacing-md);
}

.principle-bank-card p {
    color: var(--color-gray-300);
    line-height: 1.7;
}

/* =============================================
   SERVICES SECTION
   ============================================= */
.section-services {
    padding: var(--spacing-2xl) 0 var(--spacing-3xl); /* Reduced top padding to move header up */
    background-color: var(--color-gray-50);
}

.services-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(350px, 1fr));
    gap: var(--spacing-xl);
    margin-top: var(--spacing-2xl);
    margin-bottom: var(--spacing-lg); /* Reduce space below services */
}

/* Center the third card (Bank of Business) when there are 3 cards */
@media (min-width: 1200px) {
    .services-grid {
        grid-template-columns: repeat(3, 1fr);
    }
}

@media (min-width: 768px) and (max-width: 1199px) {
    .services-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    
    /* Center the third card */
    .service-card:nth-child(3) {
        grid-column: 1 / -1;
        max-width: 600px;
        margin: 0 auto;
    }
}

.service-card {
    background-color: var(--color-white);
    border-radius: var(--radius-2xl);
    padding: var(--spacing-xl);
    border: 3px solid transparent;
    transition: all var(--transition-slow);
}

.service-card:hover {
    transform: translateY(-8px);
    box-shadow: var(--shadow-xl);
}

.service-me {
    border-color: #00BCD4;
}

.service-me:hover {
    box-shadow: 0 20px 25px -5px rgba(0, 188, 212, 0.2);
}

.service-us {
    border-color: #7C4DFF;
}

.service-us:hover {
    box-shadow: 0 20px 25px -5px rgba(124, 77, 255, 0.2);
}

.service-business {
    border-color: var(--color-gold);
}

.service-business:hover {
    box-shadow: 0 20px 25px -5px rgba(201, 168, 84, 0.2);
}

.service-header {
    margin-bottom: var(--spacing-lg);
    padding-bottom: var(--spacing-lg);
    border-bottom: 2px solid var(--color-gray-200);
}

.service-tier {
    font-size: var(--font-size-sm);
    font-weight: 700;
    color: var(--color-gray-500);
    text-transform: uppercase;
    letter-spacing: 0.1em;
    margin-bottom: var(--spacing-xs);
}

.service-name {
    font-size: var(--font-size-3xl);
    font-weight: 800;
    color: var(--color-navy);
    margin-bottom: var(--spacing-xs);
}

.service-subtitle {
    font-size: var(--font-size-sm);
    color: var(--color-gray-600);
    font-weight: 500;
}

.service-description {
    font-size: var(--font-size-base);
    color: var(--color-gray-600);
    line-height: 1.7;
    margin-bottom: var(--spacing-lg);
}

.service-features-list {
    background-color: var(--color-gray-50);
    padding: var(--spacing-lg);
    border-radius: var(--radius-lg);
    margin-bottom: var(--spacing-lg);
}

.service-features-list h4 {
    font-size: var(--font-size-sm);
    color: var(--color-gray-500);
    text-transform: uppercase;
    letter-spacing: 0.05em;
    margin-bottom: var(--spacing-md);
}

.service-feature {
    padding: var(--spacing-xs) 0;
    color: var(--color-gray-700);
    font-weight: 500;
    position: relative;
    padding-left: var(--spacing-md);
}

.service-feature::before {
    content: '';
    position: absolute;
    left: 0;
    top: 50%;
    transform: translateY(-50%);
    width: 4px;
    height: 4px;
    background-color: var(--color-navy);
    border-radius: 50%;
}

.service-statement {
    background: linear-gradient(135deg, var(--color-navy) 0%, var(--color-navy-light) 100%);
    color: var(--color-gold);
    padding: var(--spacing-md);
    border-radius: var(--radius-md);
    text-align: center;
    font-weight: 600;
    font-style: italic;
    font-size: var(--font-size-lg);
}

/* =============================================
   LICENSED PARTNER NETWORK SECTION
   ============================================= */
.section-partners-network {
    padding: var(--spacing-2xl) 0 var(--spacing-3xl); /* Reduced top padding */
    background-color: var(--color-gray-50);
}

.partner-network-content {
    margin-top: var(--spacing-2xl);
}

.network-intro {
    text-align: center;
    max-width: 900px;
    margin: 0 auto var(--spacing-2xl);
    padding: var(--spacing-xl);
    background-color: var(--color-white);
    border-radius: var(--radius-xl);
    border-left: 4px solid #00BCD4;
}

.network-intro h3 {
    color: var(--color-navy);
    font-size: var(--font-size-2xl);
    margin-bottom: var(--spacing-md);
}

.network-intro p {
    color: var(--color-gray-600);
    font-size: var(--font-size-lg);
    line-height: 1.7;
}

.network-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: var(--spacing-xl);
    margin-bottom: var(--spacing-2xl);
}

.network-card {
    background-color: var(--color-white);
    padding: var(--spacing-xl);
    border-radius: var(--radius-xl);
    border: 2px solid var(--color-gray-200);
    transition: all var(--transition-slow);
}

.network-card:hover {
    border-color: #00BCD4;
    transform: translateY(-4px);
    box-shadow: var(--shadow-lg);
}

.network-badge {
    display: inline-block;
    background: linear-gradient(135deg, #00BCD4 0%, #0097A7 100%);
    color: var(--color-white);
    padding: var(--spacing-xs) var(--spacing-md);
    border-radius: var(--radius-full);
    font-size: var(--font-size-sm);
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    margin-bottom: var(--spacing-md);
}

.network-card h4 {
    color: var(--color-navy);
    font-size: var(--font-size-xl);
    margin-bottom: var(--spacing-sm);
}

.network-card p {
    color: var(--color-gray-600);
    line-height: 1.7;
}

.network-separation {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: var(--spacing-xl);
    margin-bottom: var(--spacing-2xl);
}

.separation-column {
    background-color: var(--color-white);
    padding: var(--spacing-xl);
    border-radius: var(--radius-xl);
}

.separation-column h4 {
    color: var(--color-navy);
    font-size: var(--font-size-xl);
    margin-bottom: var(--spacing-md);
    padding-bottom: var(--spacing-sm);
    border-bottom: 2px solid var(--color-gray-200);
}

.separation-column ul {
    list-style: none;
    padding: 0;
}

.separation-column li {
    padding: var(--spacing-sm) 0;
    color: var(--color-gray-700);
    position: relative;
    padding-left: var(--spacing-lg);
}

.separation-column li::before {
    content: '';
    position: absolute;
    left: 0;
    top: 50%;
    transform: translateY(-50%);
    width: 6px;
    height: 6px;
    background-color: #00BCD4;
    border-radius: 50%;
}

.network-statement {
    background: linear-gradient(135deg, var(--color-navy) 0%, var(--color-navy-light) 100%);
    color: var(--color-gray-300);
    padding: var(--spacing-xl);
    border-radius: var(--radius-xl);
    text-align: center;
    font-size: var(--font-size-lg);
    line-height: 1.7;
    border: 2px solid #00BCD4;
}

.network-statement strong {
    color: #00BCD4;
}

/* =============================================
   ASSETS SECTION
   ============================================= */
.section-assets {
    padding: var(--spacing-3xl) 0; /* Match Foundation section */
    background: linear-gradient(135deg, var(--color-navy) 0%, var(--color-navy-light) 100%);
}

.assets-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: var(--spacing-xl);
    margin-top: var(--spacing-2xl);
    margin-bottom: var(--spacing-xl);
}

/* Standard 3-column grid on desktop */
@media (min-width: 1024px) {
    .assets-grid {
        display: grid;
        grid-template-columns: repeat(3, 1fr);
        gap: var(--spacing-xl);
    }
}

/* Tablet - 2 columns */
@media (min-width: 768px) and (max-width: 1023px) {
    .assets-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

.asset-category {
    background-color: rgba(255, 255, 255, 0.05);
    border: 1px solid rgba(255, 255, 255, 0.1);
    padding: var(--spacing-xl);
    border-radius: var(--radius-xl);
    transition: all var(--transition-slow);
    text-align: center;
}

.asset-category:hover {
    background-color: rgba(255, 255, 255, 0.08);
    border-color: #00BCD4;
    transform: translateY(-4px);
}

.asset-category-highlight {
    background-color: rgba(0, 188, 212, 0.1);
    border-color: #00BCD4;
}

.asset-icon-box {
    width: 60px;
    height: 60px;
    background: linear-gradient(135deg, #00BCD4 0%, #0097A7 100%);
    border-radius: var(--radius-lg);
    margin: 0 auto var(--spacing-md);
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 12px;
}

.asset-icon-box svg {
    width: 100%;
    height: 100%;
    color: var(--color-white);
    stroke-width: 2.5;
}

.asset-category h3 {
    font-size: var(--font-size-xl);
    color: var(--color-white);
    margin-bottom: var(--spacing-md);
}

.asset-category p {
    color: var(--color-gray-300);
    line-height: 1.7;
}

/* =============================================
   AUTOMATION SECTION
   ============================================= */
.section-automation {
    padding: var(--spacing-3xl) 0;
    background-color: var(--color-white);
}

.automation-layout {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: var(--spacing-3xl);
    align-items: center;
}

.automation-rules {
    display: flex;
    flex-direction: column;
    gap: var(--spacing-lg);
    margin-top: var(--spacing-xl);
}

.automation-rule {
    padding-left: var(--spacing-lg);
    border-left: 4px solid var(--color-gold);
}

.automation-rule h4 {
    color: var(--color-navy);
    font-size: var(--font-size-lg);
    margin-bottom: var(--spacing-xs);
}

.automation-rule p {
    color: var(--color-gray-600);
    line-height: 1.7;
}

.automation-flow {
    background: linear-gradient(135deg, var(--color-navy) 0%, var(--color-navy-light) 100%);
    padding: var(--spacing-2xl);
    border-radius: var(--radius-2xl);
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: var(--spacing-md);
}

.flow-step {
    background-color: rgba(255, 255, 255, 0.1);
    border: 2px solid rgba(255, 255, 255, 0.2);
    color: var(--color-white);
    padding: var(--spacing-md) var(--spacing-xl);
    border-radius: var(--radius-lg);
    width: 100%;
    text-align: center;
    font-weight: 600;
    transition: all var(--transition-base);
}

.flow-step:hover {
    background-color: rgba(255, 255, 255, 0.15);
    border-color: #00BCD4;
}

.flow-arrow {
    color: var(--color-gold);
    font-size: var(--font-size-2xl);
    font-weight: 800;
}

/* =============================================
   ADJUDICATION SECTION
   ============================================= */
.section-adjudication {
    padding: var(--spacing-3xl) 0; /* Match Foundation section */
    background: linear-gradient(135deg, #1A2332 0%, #2A3442 100%);
}

.adjudication-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: var(--spacing-xl); /* Match Foundation grid gap */
    margin-top: var(--spacing-2xl);
    margin-bottom: var(--spacing-xl); /* Match Foundation spacing */
}

.adjudication-step {
    background-color: rgba(255, 255, 255, 0.05);
    border: 2px solid rgba(255, 255, 255, 0.1);
    padding: var(--spacing-xl);
    border-radius: var(--radius-xl);
    transition: all var(--transition-slow);
}

.adjudication-step:hover {
    background-color: rgba(255, 255, 255, 0.08);
    border-color: var(--color-gold);
    transform: translateY(-8px);
}

.step-number {
    display: inline-block;
    background: linear-gradient(135deg, var(--color-gold) 0%, var(--color-gold-dark) 100%);
    color: var(--color-navy);
    font-size: var(--font-size-xl);
    font-weight: 800;
    width: 60px;
    height: 60px;
    border-radius: var(--radius-lg);
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: var(--spacing-md);
}

.adjudication-step h3 {
    font-size: var(--font-size-xl);
    color: var(--color-white);
    margin-bottom: var(--spacing-md);
}

.adjudication-step p {
    color: var(--color-gray-300);
    line-height: 1.7;
}

/* =============================================
   PRIVACY SECTION
   ============================================= */
.section-privacy {
    padding: var(--spacing-3xl) 0;
    background-color: var(--color-gray-50);
}

.privacy-content {
    display: grid;
    grid-template-columns: 1.2fr 1fr;
    gap: var(--spacing-3xl);
    align-items: start;
}

.privacy-principles {
    display: flex;
    flex-direction: column;
    gap: var(--spacing-lg);
    margin-top: var(--spacing-xl);
}

.privacy-item {
    padding-left: var(--spacing-lg);
    border-left: 3px solid #00BCD4;
}

.privacy-item h4 {
    color: var(--color-navy);
    font-size: var(--font-size-lg);
    margin-bottom: var(--spacing-xs);
}

.privacy-item p {
    color: var(--color-gray-600);
    line-height: 1.7;
}

.privacy-shield {
    background: linear-gradient(135deg, var(--color-navy) 0%, var(--color-navy-light) 100%);
    padding: var(--spacing-2xl);
    border-radius: var(--radius-2xl);
    display: flex;
    flex-direction: column;
    gap: var(--spacing-sm);
}

.shield-layer {
    background-color: rgba(255, 255, 255, 0.1);
    border: 1px solid rgba(255, 255, 255, 0.2);
    color: var(--color-white);
    padding: var(--spacing-md);
    border-radius: var(--radius-md);
    text-align: center;
    font-weight: 600;
    transition: all var(--transition-base);
}

.shield-layer:hover {
    background-color: rgba(255, 255, 255, 0.15);
    border-color: #00BCD4;
}

/* =============================================
   WHO FOR SECTION
   ============================================= */
.section-who-for {
    padding: var(--spacing-3xl) 0; /* Match Foundation section */
    background: linear-gradient(135deg, var(--color-navy) 0%, var(--color-navy-light) 100%);
}

.audience-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: var(--spacing-xl); /* Match Foundation grid gap */
    margin-top: var(--spacing-2xl);
    margin-bottom: var(--spacing-xl); /* Match Foundation spacing */
}

/* Center the last 2 cards when there are 5 total on desktop */
@media (min-width: 1024px) {
    .audience-grid {
        grid-template-columns: repeat(6, 1fr);
    }
    
    .audience-card {
        grid-column: span 2;
    }
    
    /* Position last two cards to be centered */
    .audience-grid .audience-card:nth-child(4) {
        grid-column: 2 / 4;
    }
    
    .audience-grid .audience-card:nth-child(5) {
        grid-column: 4 / 6;
    }
}

.audience-card {
    background-color: rgba(255, 255, 255, 0.05);
    border: 2px solid rgba(255, 255, 255, 0.1);
    padding: var(--spacing-xl);
    border-radius: var(--radius-xl);
    transition: all var(--transition-slow);
}

.audience-card:hover {
    background-color: rgba(255, 255, 255, 0.08);
    border-color: #00BCD4;
    transform: translateY(-8px);
}

.audience-card h3 {
    font-size: var(--font-size-xl);
    color: var(--color-white);
    margin-bottom: var(--spacing-md);
}

.audience-card p {
    color: var(--color-gray-300);
    line-height: 1.7;
}

/* =============================================
   COMPLIANCE SECTION
   ============================================= */
.section-compliance {
    padding: var(--spacing-3xl) 0;
    background-color: var(--color-white);
}

.compliance-layout {
    max-width: 1000px;
    margin: 0 auto;
}

.compliance-intro {
    text-align: center;
    margin-bottom: var(--spacing-2xl);
}

.compliance-features {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: var(--spacing-xl);
    margin-bottom: var(--spacing-2xl);
}

/* Ensure 2x2 grid on larger screens for perfect balance */
@media (min-width: 768px) {
    .compliance-features {
        grid-template-columns: repeat(2, 1fr);
    }
}

.compliance-feature {
    background-color: var(--color-gray-50);
    padding: var(--spacing-lg);
    border-radius: var(--radius-lg);
    border-left: 4px solid var(--color-gold);
}

.compliance-feature h4 {
    color: var(--color-navy);
    font-size: var(--font-size-lg);
    margin-bottom: var(--spacing-sm);
}

.compliance-feature p {
    color: var(--color-gray-600);
    line-height: 1.7;
}

.compliance-note {
    background: linear-gradient(135deg, var(--color-navy) 0%, var(--color-navy-light) 100%);
    color: var(--color-gray-300);
    padding: var(--spacing-xl);
    border-radius: var(--radius-xl);
    text-align: center;
    font-size: var(--font-size-lg);
    line-height: 1.7;
    border: 2px solid var(--color-gold);
}

/* =============================================
   DISCLOSURE SECTION
   ============================================= */
.section-disclosure {
    padding: var(--spacing-3xl) 0;
    background: linear-gradient(135deg, var(--color-gray-800) 0%, var(--color-navy) 100%);
}

.disclosure-content {
    max-width: 900px;
    margin: 0 auto;
    text-align: center;
}

.disclosure-title {
    font-size: var(--font-size-4xl);
    font-weight: 800;
    color: var(--color-gold);
    margin-bottom: var(--spacing-lg);
}

.disclosure-text {
    font-size: var(--font-size-xl);
    color: var(--color-gray-300);
    line-height: 1.7;
    margin-bottom: var(--spacing-2xl);
}

.disclosure-principles {
    display: flex;
    justify-content: center;
    gap: var(--spacing-xl);
    margin-bottom: var(--spacing-xl);
    flex-wrap: wrap;
}

.disclosure-principle {
    background-color: rgba(255, 255, 255, 0.1);
    border: 2px solid rgba(255, 255, 255, 0.2);
    color: var(--color-white);
    padding: var(--spacing-md) var(--spacing-xl);
    border-radius: var(--radius-full);
    font-weight: 600;
}

.disclosure-statement {
    font-size: var(--font-size-2xl);
    color: var(--color-gold);
    font-weight: 700;
}

/* =============================================
   FINAL CTA - BANK
   ============================================= */
.section-final-cta-bank {
    padding: var(--spacing-3xl) 0;
    background: linear-gradient(135deg, #00BCD4 0%, #0097A7 100%);
    text-align: center;
}

.final-cta-content-bank {
    max-width: 900px;
    margin: 0 auto;
}

.final-cta-title-bank {
    font-size: var(--font-size-5xl);
    font-weight: 800;
    color: var(--color-navy);
    margin-bottom: var(--spacing-lg);
    line-height: 1.2;
}

.final-cta-text-bank {
    font-size: var(--font-size-xl);
    color: rgba(26, 35, 50, 0.8);
    line-height: 1.7;
    margin-bottom: var(--spacing-2xl);
}

.final-cta-buttons-bank {
    display: flex;
    gap: var(--spacing-lg);
    justify-content: center;
    flex-wrap: wrap;
}

.btn-capital-large {
    background-color: var(--color-gold);
    color: var(--color-navy);
    padding: var(--spacing-lg) var(--spacing-2xl);
    font-size: var(--font-size-lg);
}

.btn-capital-large:hover {
    background-color: var(--color-gold-dark);
}

/* =============================================
   NAVIGATION ENHANCEMENTS
   ============================================= */
.nav-link-capital {
    background-color: var(--color-gold);
    color: var(--color-navy);
    padding: var(--spacing-xs) var(--spacing-md);
    border-radius: var(--radius-md);
}

.nav-link-capital:hover {
    background-color: var(--color-gold-dark);
    color: var(--color-navy);
}

/* =============================================
   RESPONSIVE DESIGN
   ============================================= */
@media (max-width: 1024px) {
    .content-split-bank,
    .automation-layout,
    .privacy-content,
    .network-separation {
        grid-template-columns: 1fr;
    }
    
    .hero-title-bank,
    .final-cta-title-bank {
        font-size: var(--font-size-4xl);
    }
    
    .services-grid {
        grid-template-columns: 1fr;
    }
}

@media (max-width: 768px) {
    .hero-title-bank {
        font-size: var(--font-size-3xl);
    }
    
    .hero-description-bank {
        font-size: var(--font-size-lg);
    }
    
    .hero-ctas-bank {
        flex-direction: column;
        align-items: stretch;
    }
    
    .section-title-bank {
        font-size: var(--font-size-3xl);
    }
    
    .disclosure-principles {
        flex-direction: column;
        align-items: center;
    }
}