/* ============================================================
   APEX BANK — Main Stylesheet
   Font: Roboto | Theme: Forest Teal + Copper
   ============================================================ */

/* ── CSS Variables ── */
:root {
  --clr-primary:       #01252d;
  --clr-secondary:     #015254;
  --clr-accent:        #C4622D;
  --clr-accent-light:  #E07340;
  --clr-text:          #0A0F1E;
  --clr-muted:         #5A6472;
  --clr-bg:            #F5F7FA;
  --clr-white:         #FFFFFF;
  --clr-border:        #DDE3EE;
  --grad-primary:      linear-gradient(135deg, #01252d, #015254);
  --grad-hero:         linear-gradient(135deg, rgba(1,37,45,0.93), rgba(1,82,84,0.85));
  --grad-accent:       linear-gradient(90deg, #C4622D, #E07340);
  --font-body:         'Roboto', Arial, sans-serif;
  --font-display:      'Playfair Display', Georgia, serif;
  --shadow-sm:         0 2px 12px rgba(1,37,45,0.08);
  --shadow-md:         0 6px 28px rgba(1,37,45,0.13);
  --shadow-lg:         0 16px 48px rgba(1,37,45,0.18);
  --radius:            10px;
  --radius-lg:         18px;
  --transition:        0.3s ease;
}

/* ── Reset & Base ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body { font-family: var(--font-body); color: var(--clr-text); background: var(--clr-white); font-size: 16px; line-height: 1.7; }
img { max-width: 100%; height: auto; display: block; }
a { color: var(--clr-secondary); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--clr-accent); }
h1,h2,h3,h4,h5,h6 { font-family: var(--font-body); font-weight: 700; line-height: 1.25; color: var(--clr-primary); }
ul { list-style: none; padding: 0; margin: 0; }

/* ── Utilities ── */
.section-tag {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--clr-accent);
  margin-bottom: 0.6rem;
}
.section-heading {
  font-size: clamp(1.6rem, 3vw, 2.2rem);
  font-weight: 700;
  color: var(--clr-primary);
  margin-bottom: 1rem;
}
.section-heading span { color: var(--clr-secondary); }
.section-sub {
  font-size: 1rem;
  color: var(--clr-muted);
  max-width: 580px;
  margin: 0 auto;
  line-height: 1.8;
}
.text-center { text-align: center; }

/* ── Buttons ── */
.btn-apex {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: var(--grad-accent);
  color: var(--clr-white);
  font-weight: 700;
  font-size: 0.9rem;
  padding: 0.75rem 1.8rem;
  border-radius: 50px;
  border: none;
  cursor: pointer;
  transition: transform var(--transition), box-shadow var(--transition);
  box-shadow: 0 4px 18px rgba(196,98,45,0.35);
}
.btn-apex:hover { transform: translateY(-2px); box-shadow: 0 8px 26px rgba(196,98,45,0.45); color: #fff; }

.btn-apex-outline {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: transparent;
  color: var(--clr-accent);
  font-weight: 700;
  font-size: 0.9rem;
  padding: 0.7rem 1.6rem;
  border-radius: 50px;
  border: 2px solid var(--clr-accent);
  cursor: pointer;
  transition: all var(--transition);
}
.btn-apex-outline:hover { background: var(--clr-accent); color: #fff; }

.btn-apex-white {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: var(--clr-white);
  color: var(--clr-primary);
  font-weight: 700;
  font-size: 0.9rem;
  padding: 0.75rem 1.8rem;
  border-radius: 50px;
  border: none;
  cursor: pointer;
  transition: all var(--transition);
  box-shadow: var(--shadow-sm);
}
.btn-apex-white:hover { background: var(--clr-accent); color: #fff; }

.btn-apex-login {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  background: var(--grad-accent);
  color: #fff !important;
  font-weight: 700;
  font-size: 0.85rem;
  padding: 0.6rem 1.4rem;
  border-radius: 50px;
  transition: all var(--transition);
  box-shadow: 0 3px 14px rgba(196,98,45,0.3);
  white-space: nowrap;
}
.btn-apex-login:hover { transform: translateY(-1px); box-shadow: 0 6px 20px rgba(196,98,45,0.45); color: #fff; }

/* ============================================================
   TOP BAR
   ============================================================ */
.apex-topbar {
  background: var(--clr-primary);
  color: rgba(255,255,255,0.75);
  font-size: 0.8rem;
  padding: 0.45rem 0;
  position: relative;
  z-index: 1100;
}
.apex-topbar a { color: rgba(255,255,255,0.75); transition: color var(--transition); }
.apex-topbar a:hover { color: var(--clr-accent-light); }
.apex-topbar-left { display: flex; gap: 1.5rem; flex-wrap: wrap; }
.apex-topbar-left a { display: flex; align-items: center; gap: 0.4rem; }
.apex-topbar-right { display: flex; gap: 0.75rem; align-items: center; }
.apex-topbar-right a { font-size: 0.85rem; }
@media (max-width: 576px) { .apex-topbar-left { font-size: 0.72rem; gap: 0.8rem; } }

/* ============================================================
   HEADER / NAVBAR
   ============================================================ */
.apex-header {
  position: sticky;
  top: 0;
  z-index: 1050;
  background: rgba(1,37,45,0.97);
  -webkit-backdrop-filter: blur(10px);
  backdrop-filter: blur(10px);
  padding: 0.9rem 0;
  transition: padding var(--transition), box-shadow var(--transition), background var(--transition);
}
.apex-header.scrolled {
  padding: 0.6rem 0;
  background: rgba(0,25,75,0.99);
  box-shadow: 0 4px 24px rgba(0,0,0,0.25);
}

/* Logo */
.apex-logo {
  display: flex;
  align-items: center;
  gap: 0.55rem;
  text-decoration: none;
}
.apex-logo-icon {
  width: 38px; height: 38px;
  background: var(--grad-accent);
  border-radius: 8px;
  display: flex; align-items: center; justify-content: center;
  color: #fff;
  font-size: 1.1rem;
  flex-shrink: 0;
}
.apex-logo-text {
  font-size: 1.3rem;
  font-weight: 900;
  color: #fff;
  letter-spacing: -0.02em;
}
.apex-logo-text em { color: var(--clr-accent-light); font-style: normal; }

/* Desktop Nav */
.apex-nav ul { display: flex; align-items: center; gap: 0.25rem; }
.apex-nav ul li { position: relative; }
.apex-nav ul li a {
  display: flex; align-items: center; gap: 0.3rem;
  color: rgba(255,255,255,0.85);
  font-size: 0.88rem;
  font-weight: 500;
  padding: 0.5rem 0.75rem;
  border-radius: 6px;
  transition: all var(--transition);
  white-space: nowrap;
}
.apex-nav ul li a:hover,
.apex-nav ul li a.active { color: var(--clr-accent-light); background: rgba(255,255,255,0.08); }
.apex-nav ul li a .bi-chevron-down { font-size: 0.65rem; transition: transform var(--transition); }
.apex-nav ul li.open > a .bi-chevron-down { transform: rotate(180deg); }

/* Dropdown */
.apex-dropdown {
  display: none;
  position: absolute;
  top: calc(100% + 8px);
  left: 0;
  min-width: 220px;
  background: var(--clr-white);
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
  padding: 0.5rem 0;
  border-top: 3px solid var(--clr-accent);
  z-index: 2000;
}
.has-dropdown:hover .apex-dropdown,
.has-dropdown.open .apex-dropdown { display: block; }
.apex-dropdown li a {
  color: var(--clr-text) !important;
  font-size: 0.87rem;
  padding: 0.6rem 1.1rem;
  border-radius: 0;
  display: flex; align-items: center; gap: 0.6rem;
  background: transparent !important;
}
.apex-dropdown li a:hover { color: var(--clr-accent) !important; background: var(--clr-bg) !important; }
.apex-dropdown li a i { color: var(--clr-accent); font-size: 0.8rem; width: 16px; }

/* Hamburger */
.apex-hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 4px;
  margin-left: 1rem;
}
.apex-hamburger span {
  display: block; width: 24px; height: 2px;
  background: #fff;
  border-radius: 2px;
  transition: all var(--transition);
}
.apex-hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.apex-hamburger.open span:nth-child(2) { opacity: 0; }
.apex-hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Header CTA area */
.apex-header-cta { display: flex; align-items: center; gap: 0.75rem; }

@media (max-width: 991px) {
  .apex-hamburger { display: flex; }
  .apex-nav {
    display: none;
    position: fixed;
    top: 0; left: 0; right: 0; bottom: 0;
    background: var(--clr-primary);
    padding: 5rem 1.5rem 2rem;
    overflow-y: auto;
    z-index: 1000;
    flex-direction: column;
  }
  .apex-nav.open { display: flex; }
  .apex-nav ul { flex-direction: column; gap: 0; width: 100%; }
  .apex-nav ul li a { padding: 0.85rem 0; font-size: 1rem; border-bottom: 1px solid rgba(255,255,255,0.07); border-radius: 0; color: #fff !important; background: transparent !important; }
  .apex-dropdown { position: static; box-shadow: none; border: none; background: rgba(255,255,255,0.05); border-radius: 0; padding: 0; display: none; }
  .has-dropdown.open .apex-dropdown { display: block; }
  .apex-dropdown li a { color: rgba(255,255,255,0.8) !important; padding-left: 1.5rem; border-bottom: 1px solid rgba(255,255,255,0.05); }
  .apex-dropdown li a:hover { color: var(--clr-accent-light) !important; background: transparent !important; }
}

/* ============================================================
   PAGE HERO BANNER (inner pages)
   ============================================================ */
@keyframes hero-float {
  0%,100% { transform: translateY(0) rotate(0deg); }
  50%      { transform: translateY(-18px) rotate(4deg); }
}
@keyframes hero-pulse {
  0%,100% { opacity: 0.12; transform: scale(1); }
  50%      { opacity: 0.22; transform: scale(1.06); }
}

.apex-page-hero {
  position: relative;
  min-height: 420px;
  display: flex; align-items: center; justify-content: center;
  text-align: center;
  overflow: hidden;
  /* Rich CSS gradient — no photo needed */
  background: linear-gradient(135deg, #01252d 0%, #013a40 45%, #015254 100%);
}
/* Dot-grid texture */
.apex-page-hero::before {
  content: '';
  position: absolute; inset: 0;
  background:
    radial-gradient(ellipse at 20% 60%, rgba(1,82,84,0.55) 0%, transparent 55%),
    radial-gradient(ellipse at 85% 15%, rgba(196,98,45,0.14) 0%, transparent 50%),
    radial-gradient(rgba(255,255,255,0.045) 1px, transparent 1px);
  background-size: auto, auto, 20px 20px;
  z-index: 1;
}
/* Copper bottom accent bar */
.apex-page-hero::after {
  content: '';
  position: absolute; bottom: 0; left: 0; right: 0; height: 4px;
  background: linear-gradient(90deg, transparent, #C4622D 20%, #E07340 50%, #C4622D 80%, transparent);
  z-index: 5;
}
/* Floating ring ornament — top-right */
.apex-page-hero-deco {
  position: absolute; top: -60px; right: -60px;
  width: 320px; height: 320px; border-radius: 50%;
  border: 60px solid rgba(196,98,45,0.09);
  z-index: 1; pointer-events: none;
  will-change: opacity, transform;
  animation: hero-pulse 6s ease-in-out infinite;
}
/* Large background icon — unique per page */
.apex-page-hero-icon {
  position: absolute; right: 8%;
  top: 50%; transform: translateY(-50%);
  font-size: clamp(8rem, 14vw, 13rem);
  color: rgba(255,255,255,0.05);
  z-index: 1; pointer-events: none; line-height: 1;
  will-change: transform;
  animation: hero-float 7s ease-in-out infinite;
  display: flex; align-items: center;
}
/* Second smaller orb — bottom-left */
.apex-page-hero-orb {
  position: absolute; bottom: -80px; left: -80px;
  width: 280px; height: 280px; border-radius: 50%;
  background: radial-gradient(circle, rgba(1,82,84,0.35) 0%, transparent 70%);
  z-index: 1; pointer-events: none;
}
.apex-page-hero-content {
  position: relative; z-index: 2;
  padding: 2.5rem 1.5rem 3.5rem;
  max-width: 680px;
}
/* Tag pill */
.apex-page-hero-content .section-tag {
  background: rgba(196,98,45,0.18);
  border: 1px solid rgba(196,98,45,0.4);
  color: #E07340;
  border-radius: 50px;
  padding: 0.35rem 1.1rem;
  display: inline-block;
  margin-bottom: 1.1rem;
  font-size: 0.7rem;
  letter-spacing: 0.14em;
}
.apex-page-hero-content h1 {
  font-size: clamp(2.2rem, 5vw, 3.4rem);
  color: #fff;
  font-weight: 900;
  margin-bottom: 0.85rem;
  text-shadow: 0 4px 30px rgba(0,0,0,0.35);
  line-height: 1.12;
}
.apex-page-hero-content p {
  color: rgba(255,255,255,0.65);
  font-size: 1.05rem;
  max-width: 540px;
  margin: 0 auto;
  line-height: 1.78;
}
/* Breadcrumb */
.apex-breadcrumb {
  position: absolute; bottom: 4px; left: 0; right: 0;
  background: rgba(0,0,0,0.22); padding: 0.55rem 1.5rem; z-index: 4;
  text-align: left; -webkit-backdrop-filter: blur(6px); backdrop-filter: blur(6px);
}
.apex-breadcrumb-inner { max-width: 1200px; margin: 0 auto; font-size: 0.75rem; color: rgba(255,255,255,0.55); }
.apex-breadcrumb-inner a { color: rgba(255,255,255,0.55); }
.apex-breadcrumb-inner a:hover { color: #fff; }
.apex-breadcrumb-inner span { color: #E07340; font-weight: 700; }

/* ============================================================
   HERO — HOMEPAGE (parallax)
   ============================================================ */
.apex-hero {
  position: relative;
  min-height: 100vh;
  display: flex; align-items: center;
  background: url('../img/hero-bg-abstract.jpg') center center / cover no-repeat;
  background-attachment: fixed;
  overflow: hidden;
}
.apex-hero::before {
  content: '';
  position: absolute; inset: 0;
  background: var(--grad-hero);
}
.apex-hero-content { position: relative; z-index: 1; padding: 7rem 0 5rem; }
.apex-hero-tag { display: inline-block; background: rgba(196,98,45,0.2); color: var(--clr-accent-light); font-size: 0.78rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.1em; padding: 0.35rem 1rem; border-radius: 50px; margin-bottom: 1.2rem; border: 1px solid rgba(196,98,45,0.4); }
.apex-hero h1 { font-size: clamp(2.2rem, 5vw, 3.8rem); color: #fff; font-weight: 900; line-height: 1.15; margin-bottom: 1.2rem; }
.apex-hero h1 span { color: var(--clr-accent-light); }
.apex-hero p { color: rgba(255,255,255,0.82); font-size: 1.1rem; max-width: 500px; margin-bottom: 2rem; line-height: 1.8; }
.apex-hero-btns { display: flex; gap: 1rem; flex-wrap: wrap; }
.apex-hero-img img { border-radius: var(--radius-lg); box-shadow: var(--shadow-lg); }

/* Icon boxes strip */
.apex-hero-strip {
  background: var(--clr-white);
  box-shadow: var(--shadow-md);
  padding: 1.8rem 0;
  position: relative; z-index: 2;
}
.apex-icon-box {
  display: flex; align-items: center; gap: 1rem;
  padding: 0.75rem 1.25rem;
  border-radius: var(--radius);
  transition: all var(--transition);
}
.apex-icon-box:hover { background: var(--clr-bg); transform: translateY(-2px); }
.apex-icon-box .icon {
  width: 52px; height: 52px; flex-shrink: 0;
  background: var(--grad-primary);
  border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  color: #fff; font-size: 1.25rem;
}
.apex-icon-box h5 { font-size: 0.92rem; font-weight: 700; color: var(--clr-primary); margin: 0; }
.apex-icon-box p { font-size: 0.78rem; color: var(--clr-muted); margin: 0; }
.apex-icon-box-divider { width: 1px; background: var(--clr-border); align-self: stretch; margin: 0.5rem 0; }

/* ============================================================
   STATS
   ============================================================ */
.apex-stats {
  background: var(--grad-primary);
  padding: 3.5rem 0;
  position: relative; overflow: hidden;
}
.apex-stats::before {
  content: '';
  position: absolute; inset: 0;
  background: url('../img/hero-bg-abstract.jpg') center/cover no-repeat;
  opacity: 0.06;
}
.apex-stat-item { text-align: center; position: relative; z-index: 1; padding: 1rem; }
.apex-stat-item .number {
  font-size: clamp(2.2rem, 4vw, 3rem);
  font-weight: 900; color: var(--clr-accent-light);
  line-height: 1; margin-bottom: 0.4rem;
  font-family: var(--font-body);
}
.apex-stat-item .label { font-size: 0.88rem; color: rgba(255,255,255,0.8); font-weight: 500; text-transform: uppercase; letter-spacing: 0.06em; }
.apex-stat-divider { width: 1px; background: rgba(255,255,255,0.15); }

/* ============================================================
   SECTIONS — General
   ============================================================ */
.apex-section { padding: 5.5rem 0; }
.apex-section-alt { background: var(--clr-bg); }
.apex-section-header { margin-bottom: 3rem; }

/* ============================================================
   SERVICES CARDS
   ============================================================ */
.apex-service-card {
  background: var(--clr-white);
  border-radius: var(--radius-lg);
  padding: 2rem 1.75rem;
  height: 100%;
  border: 1px solid var(--clr-border);
  transition: all var(--transition);
  position: relative; overflow: hidden;
}
.apex-service-card::after {
  content: '';
  position: absolute; bottom: 0; left: 0; right: 0; height: 3px;
  background: var(--grad-accent);
  transform: scaleX(0);
  transition: transform var(--transition);
}
.apex-service-card:hover { box-shadow: var(--shadow-md); transform: translateY(-4px); border-color: transparent; }
.apex-service-card:hover::after { transform: scaleX(1); }
.apex-service-icon {
  width: 60px; height: 60px;
  background: rgba(1,37,45,0.07);
  border-radius: 14px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.5rem; color: var(--clr-secondary);
  margin-bottom: 1.25rem;
  transition: all var(--transition);
}
.apex-service-card:hover .apex-service-icon { background: var(--grad-primary); color: #fff; }
.apex-service-card h5 { font-size: 1rem; font-weight: 700; color: var(--clr-primary); margin-bottom: 0.6rem; }
.apex-service-card p { font-size: 0.88rem; color: var(--clr-muted); line-height: 1.7; margin: 0; }
.apex-service-card .card-link { font-size: 0.82rem; font-weight: 700; color: var(--clr-accent); margin-top: 1rem; display: inline-flex; align-items: center; gap: 0.3rem; }
.apex-service-card .card-link:hover { gap: 0.5rem; }

/* ============================================================
   ABOUT SECTION
   ============================================================ */
.apex-about-img { border-radius: var(--radius-lg); overflow: hidden; position: relative; }
.apex-about-img img { width: 100%; object-fit: cover; }
.apex-about-badge {
  position: absolute; bottom: 1.5rem; left: 1.5rem;
  background: var(--grad-accent);
  color: #fff; border-radius: var(--radius);
  padding: 1rem 1.25rem; text-align: center;
  box-shadow: var(--shadow-md);
}
.apex-about-badge .big { font-size: 2rem; font-weight: 900; line-height: 1; }
.apex-about-badge .small { font-size: 0.75rem; font-weight: 600; text-transform: uppercase; letter-spacing: 0.05em; opacity: 0.9; }
.apex-check-list li { display: flex; align-items: flex-start; gap: 0.75rem; margin-bottom: 0.75rem; font-size: 0.95rem; color: var(--clr-muted); }
.apex-check-list li i { color: var(--clr-accent); font-size: 1rem; flex-shrink: 0; margin-top: 0.15rem; }

/* ============================================================
   LOAN CARDS
   ============================================================ */
.apex-loan-card {
  background: var(--clr-white);
  border-radius: var(--radius-lg);
  overflow: hidden;
  border: 1px solid var(--clr-border);
  transition: all var(--transition);
  height: 100%;
}
.apex-loan-card:hover { box-shadow: var(--shadow-md); transform: translateY(-4px); border-color: transparent; }
.apex-loan-card-header {
  background: var(--grad-primary);
  padding: 1.5rem;
  display: flex; align-items: center; gap: 1rem;
  color: #fff;
}
.apex-loan-card-header .icon { font-size: 1.8rem; }
.apex-loan-card-header h5 { font-size: 1rem; font-weight: 700; color: #fff; margin: 0; }
.apex-loan-card-header span { font-size: 0.78rem; color: rgba(255,255,255,0.7); }
.apex-loan-card-body { padding: 1.5rem; }
.apex-loan-card-body p { font-size: 0.88rem; color: var(--clr-muted); margin-bottom: 1rem; }
.apex-loan-rate { font-size: 1.5rem; font-weight: 900; color: var(--clr-accent); }
.apex-loan-rate span { font-size: 0.78rem; font-weight: 500; color: var(--clr-muted); }

/* ============================================================
   BLOG CARDS
   ============================================================ */
.apex-blog-card {
  background: var(--clr-white);
  border-radius: var(--radius-lg);
  overflow: hidden;
  border: 1px solid var(--clr-border);
  transition: all var(--transition);
  height: 100%;
}
.apex-blog-card:hover { box-shadow: var(--shadow-md); transform: translateY(-4px); }
.apex-blog-card img { width: 100%; height: 200px; object-fit: cover; transition: transform 0.5s ease; }
.apex-blog-card:hover img { transform: scale(1.04); }
.apex-blog-card-img { overflow: hidden; }
.apex-blog-card-body { padding: 1.5rem; }
.apex-blog-cat { font-size: 0.72rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.08em; color: var(--clr-accent); margin-bottom: 0.5rem; display: block; }
.apex-blog-card-body h5 { font-size: 1rem; font-weight: 700; color: var(--clr-primary); margin-bottom: 0.6rem; line-height: 1.4; }
.apex-blog-card-body h5 a { color: inherit; }
.apex-blog-card-body h5 a:hover { color: var(--clr-secondary); }
.apex-blog-card-body p { font-size: 0.86rem; color: var(--clr-muted); }
.apex-blog-meta { font-size: 0.78rem; color: var(--clr-muted); display: flex; align-items: center; gap: 1rem; flex-wrap: wrap; margin-top: 1rem; padding-top: 1rem; border-top: 1px solid var(--clr-border); }
.apex-blog-meta i { color: var(--clr-accent); }

/* ============================================================
   CTA BAND
   ============================================================ */
.apex-cta {
  background: linear-gradient(135deg, #01252d 0%, #013a40 50%, #015254 100%);
  padding: 5.5rem 0;
  text-align: center;
  position: relative; overflow: hidden;
}
/* Dot grid texture */
.apex-cta::before {
  content: '';
  position: absolute; inset: 0;
  background:
    radial-gradient(ellipse at 10% 50%, rgba(1,82,84,0.5) 0%, transparent 55%),
    radial-gradient(ellipse at 90% 50%, rgba(196,98,45,0.12) 0%, transparent 50%),
    radial-gradient(rgba(255,255,255,0.04) 1px, transparent 1px);
  background-size: auto, auto, 20px 20px;
  z-index: 0;
}
/* Decorative ring top-right */
.apex-cta::after {
  content: '';
  position: absolute; top: -100px; right: -100px;
  width: 400px; height: 400px; border-radius: 50%;
  border: 80px solid rgba(196,98,45,0.07);
  z-index: 0; pointer-events: none;
}
/* All direct children of .container need z-index to sit above ::before/::after */
.apex-cta .container { position: relative; z-index: 1; }
.apex-cta .section-tag {
  display: inline-block;
  background: rgba(196,98,45,0.18);
  border: 1px solid rgba(196,98,45,0.4);
  color: #E07340;
  border-radius: 50px;
  padding: 0.35rem 1.1rem;
  font-size: 0.7rem;
  letter-spacing: 0.14em;
  margin-bottom: 1.1rem;
}
.apex-cta h2 {
  font-size: clamp(1.8rem, 3.5vw, 2.6rem);
  color: #fff;
  font-weight: 900;
  margin-bottom: 1rem;
  line-height: 1.2;
  text-shadow: 0 2px 20px rgba(0,0,0,0.3);
}
.apex-cta p {
  color: rgba(255,255,255,0.68);
  max-width: 560px;
  margin: 0 auto 2.5rem;
  font-size: 1.05rem;
  line-height: 1.78;
}
.apex-cta .btns { display: flex; gap: 1rem; justify-content: center; flex-wrap: wrap; }
/* Bottom copper line */
.apex-cta-line {
  display: block; width: 60px; height: 3px;
  background: linear-gradient(90deg, #C4622D, #E07340);
  border-radius: 2px; margin: 0 auto 1.5rem;
}

/* ============================================================
   TESTIMONIALS
   ============================================================ */
.apex-testimonial-card {
  background: var(--clr-white);
  border-radius: var(--radius-lg);
  padding: 2rem;
  border: 1px solid var(--clr-border);
  box-shadow: var(--shadow-sm);
  position: relative;
}
.apex-testimonial-card::before {
  content: '\201C';
  position: absolute; top: 1rem; left: 1.5rem;
  font-size: 4rem; line-height: 1; color: var(--clr-accent); opacity: 0.2;
  font-family: Georgia, serif;
}
.apex-testimonial-card p { font-size: 0.95rem; color: var(--clr-muted); font-style: italic; line-height: 1.8; margin-bottom: 1.25rem; }
.apex-testimonial-author { display: flex; align-items: center; gap: 0.75rem; }
.apex-testimonial-author img { width: 44px; height: 44px; border-radius: 50%; object-fit: cover; }
.apex-testimonial-author .name { font-size: 0.88rem; font-weight: 700; color: var(--clr-primary); }
.apex-testimonial-author .role { font-size: 0.75rem; color: var(--clr-muted); }
.apex-stars { color: var(--clr-accent); font-size: 0.8rem; margin-bottom: 0.75rem; }

/* ============================================================
   CONTACT FORM
   ============================================================ */
.apex-contact-card {
  background: var(--clr-white);
  border-radius: var(--radius-lg);
  padding: 2.5rem;
  box-shadow: var(--shadow-md);
  border: 1px solid var(--clr-border);
}
.apex-form-group { margin-bottom: 1.25rem; }
.apex-form-group label { display: block; font-size: 0.85rem; font-weight: 600; color: var(--clr-primary); margin-bottom: 0.4rem; }
.apex-form-group input,
.apex-form-group textarea,
.apex-form-group select {
  width: 100%; padding: 0.75rem 1rem;
  border: 1.5px solid var(--clr-border);
  border-radius: var(--radius);
  font-family: var(--font-body); font-size: 0.9rem;
  color: var(--clr-text); background: var(--clr-bg);
  transition: border-color var(--transition), box-shadow var(--transition);
  outline: none;
}
.apex-form-group input:focus,
.apex-form-group textarea:focus,
.apex-form-group select:focus { border-color: var(--clr-secondary); box-shadow: 0 0 0 3px rgba(1,82,84,0.1); background: #fff; }
.apex-form-group textarea { resize: vertical; min-height: 130px; }
.apex-contact-info-item { display: flex; align-items: flex-start; gap: 1rem; margin-bottom: 1.5rem; }
.apex-contact-info-item .icon {
  width: 46px; height: 46px; flex-shrink: 0;
  background: rgba(1,37,45,0.07);
  border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.1rem; color: var(--clr-secondary);
}
.apex-contact-info-item h6 { font-size: 0.82rem; font-weight: 700; color: var(--clr-primary); margin-bottom: 0.2rem; text-transform: uppercase; letter-spacing: 0.05em; }
.apex-contact-info-item p { font-size: 0.9rem; color: var(--clr-muted); margin: 0; }

/* ============================================================
   BRANCHES & ATMs TABLE
   ============================================================ */
.apex-branch-card {
  background: var(--clr-white);
  border-radius: var(--radius-lg);
  padding: 1.5rem;
  border: 1px solid var(--clr-border);
  transition: all var(--transition);
  height: 100%;
}
.apex-branch-card:hover { box-shadow: var(--shadow-md); border-color: var(--clr-secondary); }
.apex-branch-card h5 { font-size: 0.95rem; font-weight: 700; color: var(--clr-primary); margin-bottom: 0.75rem; display: flex; align-items: center; gap: 0.5rem; }
.apex-branch-card h5 i { color: var(--clr-accent); }
.apex-branch-card p { font-size: 0.85rem; color: var(--clr-muted); margin-bottom: 0.35rem; display: flex; align-items: center; gap: 0.5rem; }
.apex-branch-card p i { color: var(--clr-secondary); width: 14px; flex-shrink: 0; }
.apex-branch-badge { display: inline-block; font-size: 0.7rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.06em; padding: 0.2rem 0.7rem; border-radius: 50px; background: rgba(1,37,45,0.08); color: var(--clr-secondary); margin-bottom: 0.75rem; }

/* ============================================================
   NEWSLETTER
   ============================================================ */
.apex-newsletter {
  background: var(--clr-primary);
  padding: 3rem 0;
  color: #fff;
}
.apex-newsletter .section-tag { color: var(--clr-accent-light); }
.apex-newsletter h4 { font-size: 1.3rem; font-weight: 700; color: #fff; margin-bottom: 0.3rem; }
.apex-newsletter p { color: rgba(255,255,255,0.7); font-size: 0.9rem; margin: 0; }
.apex-nl-form { display: flex; gap: 0; max-width: 480px; }
.apex-nl-form input {
  flex: 1; padding: 0.75rem 1.1rem;
  border: none; outline: none;
  border-radius: var(--radius) 0 0 var(--radius);
  font-family: var(--font-body); font-size: 0.9rem;
}
.apex-nl-form button {
  padding: 0.75rem 1.4rem;
  background: var(--grad-accent);
  color: #fff; font-weight: 700; font-size: 0.88rem;
  border: none; cursor: pointer;
  border-radius: 0 var(--radius) var(--radius) 0;
  display: flex; align-items: center; gap: 0.4rem;
  transition: all var(--transition);
  white-space: nowrap;
}
.apex-nl-form button:hover { filter: brightness(1.1); }

/* ============================================================
   FOOTER
   ============================================================ */
.apex-footer {
  background: #000f35;
  padding: 5rem 0 0;
  color: rgba(255,255,255,0.75);
}
.apex-footer-logo .apex-logo-text { font-size: 1.4rem; }
.apex-footer-desc { font-size: 0.88rem; color: rgba(255,255,255,0.6); line-height: 1.8; margin: 1.25rem 0 1.5rem; max-width: 300px; }
.apex-footer-social { display: flex; gap: 0.65rem; }
.apex-footer-social a {
  width: 34px; height: 34px;
  background: rgba(255,255,255,0.08);
  border-radius: 6px;
  display: flex; align-items: center; justify-content: center;
  color: rgba(255,255,255,0.7); font-size: 0.85rem;
  transition: all var(--transition);
}
.apex-footer-social a:hover { background: var(--clr-accent); color: #fff; transform: translateY(-2px); }
.apex-footer-heading { font-size: 0.82rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.1em; color: #fff; margin-bottom: 1.2rem; }
.apex-footer-links li { margin-bottom: 0.55rem; }
.apex-footer-links a { font-size: 0.87rem; color: rgba(255,255,255,0.6); transition: all var(--transition); }
.apex-footer-links a:hover { color: var(--clr-accent-light); padding-left: 4px; }
.apex-footer-contact li { font-size: 0.87rem; color: rgba(255,255,255,0.65); margin-bottom: 0.75rem; display: flex; align-items: flex-start; gap: 0.65rem; line-height: 1.5; }
.apex-footer-contact li i { color: var(--clr-accent); flex-shrink: 0; margin-top: 0.2rem; }
.apex-footer-contact a { color: rgba(255,255,255,0.65); }
.apex-footer-contact a:hover { color: var(--clr-accent-light); }
.apex-footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding: 1.25rem 0;
  margin-top: 3rem;
  display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap; gap: 0.75rem;
}
.apex-footer-bottom p { font-size: 0.82rem; color: rgba(255,255,255,0.45); margin: 0; }
.apex-footer-bottom ul { display: flex; gap: 1.5rem; flex-wrap: wrap; }
.apex-footer-bottom ul a { font-size: 0.82rem; color: rgba(255,255,255,0.45); }
.apex-footer-bottom ul a:hover { color: var(--clr-accent-light); }

/* ============================================================
   FLOATING CONTACT DOCK
   ============================================================ */
.fc-dock {
  position: fixed; right: 0.6rem; top: 50%;
  transform: translateY(-50%);
  z-index: 9000; display: flex; flex-direction: column; gap: 0.5rem;
}
.fc-btn {
  position: relative; width: 40px; height: 40px;
  border-radius: 50%; background: var(--clr-primary);
  color: #fff; display: flex; align-items: center; justify-content: center;
  font-size: 0.85rem; border: 2px solid rgba(196,98,45,0.35);
  box-shadow: 0 4px 16px rgba(0,0,0,0.22);
  transition: all var(--transition); text-decoration: none;
}
.fc-btn:hover { transform: scale(1.12) translateX(-4px); color: #fff; }
.fc-whatsapp:hover { background: #25d366; border-color: #25d366; }
.fc-call:hover, .fc-email:hover { background: var(--clr-accent); border-color: var(--clr-accent); }
.fc-tip {
  position: absolute; right: calc(100% + 10px); top: 50%;
  transform: translateY(-50%) translateX(6px);
  background: var(--clr-primary); color: var(--clr-accent-light);
  font-size: 0.68rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.07em;
  white-space: nowrap; padding: 0.28rem 0.65rem; border-radius: 3px;
  pointer-events: none; opacity: 0; transition: all 0.18s ease;
}
.fc-btn:hover .fc-tip { opacity: 1; transform: translateY(-50%) translateX(0); }
@media (max-width: 480px) { .fc-dock { display: none; } }

/* ============================================================
   ANIMATIONS
   ============================================================ */
@keyframes float { 0%,100%{transform:translateY(0)}50%{transform:translateY(-12px)} }
.float-anim { animation: float 4s ease-in-out infinite; will-change: transform; }
@keyframes pulse-ring { 0%{transform:scale(0.9);opacity:0.7}70%{transform:scale(1.35);opacity:0}100%{transform:scale(0.9);opacity:0} }
.pulse-btn { position: relative; }
.pulse-btn::before {
  content: ''; position: absolute; inset: -4px; border-radius: inherit;
  background: rgba(196,98,45,0.35);
  animation: pulse-ring 2s ease-in-out infinite;
  will-change: transform, opacity;
}

/* ============================================================
   MISC HELPERS
   ============================================================ */
.apex-divider { height: 1px; background: var(--clr-border); margin: 3rem 0; }
.apex-badge { display: inline-block; padding: 0.25rem 0.75rem; border-radius: 50px; font-size: 0.72rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.06em; }
.apex-badge-blue { background: rgba(1,82,84,0.1); color: var(--clr-secondary); }
.apex-badge-gold { background: rgba(196,98,45,0.1); color: var(--clr-accent); }
.apex-badge-green { background: rgba(22,163,74,0.1); color: #16a34a; }

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 767px) {
  .apex-hero { min-height: unset; background-attachment: scroll; }
  .apex-page-hero { min-height: 300px; background-attachment: scroll; }
  .apex-page-hero-icon { display: none; }
  .apex-nl-form { flex-direction: column; }
  .apex-nl-form input { border-radius: var(--radius); }
  .apex-nl-form button { border-radius: var(--radius); justify-content: center; }
  .apex-footer-bottom { flex-direction: column; text-align: center; }
}
@media (max-width: 575px) {
  .apex-topbar-left a:last-child { display: none; }
  .apex-hero h1 { font-size: 2rem; }
}