/* ===== Anchor offset for sticky header ===== */
:root {
  --header-h: 70px;
  /* default fallback */
}

/* Smooth scrolling + global padding for in-page anchors */
html {
  scroll-behavior: smooth;
  scroll-padding-top: var(--header-h);
}

/* Extra compatibility so the target never hides under header */
:target {
  scroll-margin-top: var(--header-h);
}

/* If you want to be explicit for key sections too */
#apply,
#home,
#service,
#process,
#highlights,
#faqs,
#about {
  scroll-margin-top: calc(var(--header-h) + 8px);
}

/* ============================
   STEP FORM CARD (container)
   ============================ */
.step-form-card {
  /* design */
  background: #fff;
  border-radius: 16px;
  box-shadow: 0 18px 40px rgba(0, 0, 0, 0.12);
  border: 1px solid #eef2f7;
  overflow: hidden;
  /* prevent any visual overflow */

  /* progress layout variables */
  --sf-pad-x: 28px;
  /* horizontal padding for dots & line */
  --sf-dot: 36px;
  /* size of the numbered dots */
  --sf-track-h: 4px;
  /* height of the progress track */
  --sf-fill: 0%;
  /* JS can update this to 0/50/100% etc. */
}

/* Header */
.sf-header {
  padding: 18px var(--sf-pad-x);
  background: linear-gradient(90deg, #004d6e 0%, #00accc 100%);
  color: #fff;
  border-radius: 16px 16px 0 0;
}

.sf-header h4 {
  margin: 0 0 4px;
  font-weight: 700;
  color: #fff;
}

.sf-header p {
  margin: 0;
  opacity: 0.9;
  color: #fff;
}

/* ============================
   PROGRESS (dots + line)
   ============================ */
.sf-progress {
  position: relative;
  padding: 24px var(--sf-pad-x) 12px;
  overflow: hidden;
  /* ensures line never bleeds outside on small screens */
}

/* base (full) track */
.sf-progress::before {
  content: "";
  position: absolute;
  left: var(--sf-pad-x);
  right: var(--sf-pad-x);
  top: calc(24px + (var(--sf-dot) / 2) - (var(--sf-track-h) / 2));
  height: var(--sf-track-h);
  background: #e7eff6;
  border-radius: 2px;
}

/* animated fill bar */
.sf-progress-bar {
  position: absolute;
  left: var(--sf-pad-x);
  top: calc(24px + (var(--sf-dot) / 2) - (var(--sf-track-h) / 2));
  height: var(--sf-track-h);
  width: var(--sf-fill);
  /* JS should set --sf-fill to 0%, 50%, 100% */
  max-width: calc(100% - (var(--sf-pad-x) * 2));
  background: linear-gradient(90deg, #004d6e, #00accc);
  border-radius: 2px;
  transition: width 0.35s ease;
  will-change: width;
}

/* numbered dots */
.sf-steps {
  display: flex;
  justify-content: space-between;
  list-style: none;
  padding: 0 var(--sf-pad-x);
  margin: 0 0 12px;
  position: relative;
}

.sf-steps li {
  width: var(--sf-dot);
  height: var(--sf-dot);
  border-radius: 50%;
  background: #cfd8dc;
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  box-shadow: 0 2px 6px rgba(0, 0, 0, 0.06);
  z-index: 1;
}

.sf-steps li.active,
.sf-steps li.completed {
  background: linear-gradient(90deg, #004d6e, #00accc);
}

/* ============================
   STEPS / FIELDS
   ============================ */
.sf-step {
  display: none;
  padding: 10px var(--sf-pad-x) 22px;
}

.sf-step.active {
  display: block;
}

.sf-title {
  color: #004d6e;
  margin: 8px 0 14px;
  font-weight: 700;
}

.sf-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px 16px;
}

.sf-field {
  position: relative;
}

/* Make "Bank Name" full width (Step 3) on >= 577px */
@media (min-width: 577px) {
  .sf-step[data-step="3"] .sf-grid .sf-field:last-child {
    grid-column: 1 / -1;
  }
}

.sf-field label {
  color: #454546;
  display: block;
  margin-bottom: 6px;
  font-weight: 600;
}

.sf-field input,
.sf-field select {
  width: 100%;
  padding: 12px 14px;
  border: 1px solid #787878;
  border-radius: 10px;
  outline: 0;
  font-size: 14px;
  background: #fff;
  color: #333;
}

.sf-field select {
  appearance: none;
  -webkit-appearance: none;
  -moz-appearance: none;
  background: #fff url("data:image/svg+xml;utf8,<svg fill='%23004d6e' height='20' width='20' xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'><path d='M7 10l5 5 5-5'/></svg>") no-repeat right 12px center/18px 18px;
  padding-right: 40px;
  cursor: pointer;
}

.sf-field input:focus,
.sf-field select:focus {
  border-color: #00accc;
  box-shadow: 0 0 0 3px rgba(0, 172, 204, 0.12);
}

.sf-field option {
  padding: 10px;
  font-size: 14px;
  background: #fff;
  color: #333;
}

.sf-spacer {
  visibility: hidden;
}

/* Actions */
.sf-actions {
  display: flex;
  gap: 10px;
  margin-top: 14px;
}

.sf-btn {
  background: linear-gradient(90deg, #004d6e, #00accc);
  color: #fff;
  border: none;
  border-radius: 10px;
  padding: 12px 38px;
  cursor: pointer;
  font-weight: 600;
  transition: transform 0.15s ease, opacity 0.15s ease;
}

.sf-btn:hover {
  opacity: 0.95;
  transform: translateY(-1px);
}

.sf-btn.sf-ghost {
  background: #fff;
  color: #004d6e;
  border: 1px solid #00accc;
}

.sf-message {
  padding: 0 var(--sf-pad-x) 18px;
  font-weight: 700;
}

/* Responsive */
@media (max-width: 576px) {
  .sf-grid {
    grid-template-columns: 1fr;
  }

  .step-form-card {
    --sf-pad-x: 16px;
  }

  /* pull dots/line in tighter on phones */
}

/* ============================
   TEXT-ONLY HIGHLIGHTS
   ============================ */
.text-only-highlights .text-tile {
  background: #fff;
  border: 1px solid #eceef3;
  border-radius: 16px;
  padding: 22px;
  box-shadow: 0 8px 18px rgba(22, 36, 62, 0.06);
}

.text-only-highlights .text-tile:hover {
  box-shadow: 0 8px 18px rgba(22, 36, 62, 0.155);
}

.text-only-highlights .text-tile-title {
  font-size: 20px;
  line-height: 1.25;
  margin-bottom: 8px;
}

.text-only-highlights p {
  margin: 0;
  color: #667085;
}

/* ============================
   EQUAL HEIGHT SERVICE CARDS
   ============================ */
.tp-service-equal .service-card {
  display: flex;
  flex-direction: column;
  height: 100%;
  min-height: 380px;
  box-shadow: 0 8px 18px rgba(22, 36, 62, 0.155);

}

.tp-service-equal .tp-service-thumb-2 img {
  width: 100%;
  height: 180px;
  object-fit: cover;
  border-radius: 12px;
}

.tp-service-equal .tp-service-content-2 {
  margin-top: 14px;
}

@media (max-width: 1199.98px) {
  .tp-service-equal .service-card {
    min-height: 360px;
  }
}

@media (max-width: 991.98px) {
  .tp-service-equal .service-card {
    min-height: 340px;
  }
}

/* ============================
   FAQ look & feel
   ============================ */
.tp-faq-accordion .accordion-item {
  border: 1px solid #eceef3;
  border-radius: 14px;
  background: #fff;
  overflow: hidden;
  box-shadow: 0 8px 18px rgba(22, 36, 62, 0.06);
  margin-bottom: 14px;
}

.tp-faq-accordion .accordion-button {
  font-weight: 600;
  padding: 16px 18px;
  background: #fff;
  box-shadow: none;
}

.tp-faq-accordion .accordion-button:not(.collapsed) {
  color: #0a2540;
  background: #f8fafd;
}

.tp-faq-accordion .accordion-body {
  padding: 14px 18px 18px;
  color: #667085;
  line-height: 1.6;
}

.tp-faq-accordion .accordion-button::after {
  filter: grayscale(100%) contrast(120%);
}


/* ===== BANKING THEME OVERRIDES ===== */
:root {
  --bank-primary: #003366;
  --bank-primary-light: #004d99;
  --bank-accent: #0066cc;
  --bank-success: #059669;
  --bank-gray-50: #f8fafc;
  --bank-gray-100: #f1f5f9;
  --bank-gray-600: #475569;
  --bank-gray-700: #334155;
  --bank-gray-800: #1e293b;
  --bank-gray-900: #0f172a;
  --header-h: 80px;
}

html {
  scroll-behavior: smooth;
  scroll-padding-top: var(--header-h);
}

body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  background: var(--bank-gray-50);
}

/* Header Styling */
.tp-header-area-2 {
  background: #fff;
  box-shadow: 0 1px 3px rgba(0, 0, 0, 0.1);
}

.tp-header-logo-2 {
  text-align: center;
}

.tp-header-logo-2 img {
  height: 50px;
  width: auto;
}

.tp-header-contact-icon {
  width: 40px;
  height: 40px;
  background: var(--bank-gray-100);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--bank-primary);
  font-size: 16px;
  transition: all 0.2s;
}

.tp-header-contact-icon:hover {
  background: var(--bank-primary);
  color: #fff;
}

.tp-header-contact-content p {
  font-size: 11px;
  color: var(--bank-gray-600);
  text-transform: uppercase;
  letter-spacing: 0.5px;
  margin: 0;
  font-weight: 600;
}

.tp-header-contact-content a {
  font-size: 14px;
  font-weight: 700;
  color: var(--bank-gray-900);
}

.ach-header-phone {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: rgb(17, 59, 94);
  font-family: "Mulish", sans-serif;
  font-size: 15px;
  font-weight: 700;
  line-height: 20px;
  text-decoration: none;
  white-space: nowrap;
}

.ach-header-phone i {
  color: #0c7db4;
  font-size: 15px;
}

.ach-header-phone:hover {
  color: rgb(0, 119, 179);
}

/* Security Banner */
.security-banner {
  background: #fff;
  border-bottom: 1px solid var(--bank-gray-100);
  padding: 12px 0;
}

.security-item {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 12px;
  color: var(--bank-gray-600);
  font-weight: 500;
}

.security-item i {
  color: var(--bank-success);
  font-size: 16px;
}

/* Hero Section */
.banking-hero {
  background: linear-gradient(135deg, #fff 0%, var(--bank-gray-50) 100%);
  padding: 40px 0 30px;
}

.banking-hero .tp-section-title-pre {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 13px;
  font-weight: 700;
  color: #ffffff !important;
  text-transform: uppercase;
  letter-spacing: 1px;
  padding: 12px 24px;
  background: linear-gradient(135deg, #003366 0%, #004d99 100%);
  border-radius: 8px;
  margin-bottom: 16px;
  box-shadow: 0 4px 12px rgba(0, 51, 102, 0.3);
  border: 1px solid rgba(255, 255, 255, 0.1);
}

.banking-hero .tp-section-title-pre,
.banking-hero .tp-section-title-pre * {
  color: #ffffff !important;
  -webkit-text-fill-color: #ffffff !important;
}

.banking-hero .tp-section-title-pre i {
  color: #ffffff !important;
  -webkit-text-fill-color: #ffffff !important;
  font-size: 14px;
}

.banking-hero .tp-section-title {
  font-size: 2rem;
  font-weight: 700;
  color: var(--bank-gray-900);
  margin-bottom: 12px;
}

.banking-hero p {
  font-size: 16px;
  color: var(--bank-gray-600);
  max-width: 500px;
}

.trust-badges {
  display: flex;
  gap: 20px;
  margin-top: 20px;
  flex-wrap: wrap;
}

.trust-badge {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 13px;
  color: var(--bank-gray-700);
  font-weight: 500;
}

.trust-badge i {
  color: var(--bank-success);
  font-size: 16px;
}

/* Direct Deposit Card */
.direct-deposit-card {
  background: linear-gradient(135deg, var(--bank-primary) 0%, var(--bank-primary-light) 100%);
  border-radius: 16px;
  padding: 32px;
  color: #fff;
}

.direct-deposit-card i {
  font-size: 40px;
  opacity: 0.9;
  margin-bottom: 16px;
}

.direct-deposit-card h3 {
  color: #fff;
  font-size: 1.25rem;
  margin-bottom: 8px;
}

.direct-deposit-card p {
  color: rgba(255, 255, 255, 0.85);
  font-size: 14px;
  margin: 0;
}

/* ===== STEP FORM STYLING ===== */
.step-form-card {
  background: #fff;
  border-radius: 16px;
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.08);
  border: 1px solid var(--bank-gray-100);
  overflow: hidden;
}

.sf-header {
  padding: 20px 28px;
  background: linear-gradient(90deg, var(--bank-primary) 0%, var(--bank-primary-light) 100%);
  color: #fff;
}

.sf-header h4 {
  margin: 0 0 4px;
  font-weight: 700;
  color: #fff;
  font-size: 1.125rem;
}

.sf-header p {
  margin: 0;
  opacity: 0.9;
  color: #fff;
  font-size: 14px;
}

/* Progress */
.sf-progress {
  position: relative;
  padding: 24px 28px 16px;
}

.sf-progress::before {
  content: "";
  position: absolute;
  left: 28px;
  right: 28px;
  top: calc(24px + 18px - 2px);
  height: 4px;
  background: var(--bank-gray-100);
  border-radius: 2px;
  z-index: 0;
}

.sf-progress-bar {
  position: absolute;
  left: 28px;
  top: calc(24px + 18px - 2px);
  height: 4px;
  background: linear-gradient(90deg, var(--bank-primary), var(--bank-accent));
  border-radius: 2px;
  transition: width 0.35s ease;
  z-index: 1;
}

.sf-steps {
  display: flex;
  justify-content: space-between;
  list-style: none;
  padding: 0 28px;
  margin: 0 0 16px;
  position: relative;
  z-index: 2;
}

.sf-steps li {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: #ffffff;
  color: #3f5369;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 14px;
  box-shadow: 0 3px 8px rgba(13, 42, 72, 0.12);
  z-index: 2;
  border: 2px solid #d8e4ef;
}

.sf-steps li.active {
  background: var(--bank-primary);
  color: #fff;
  border-color: #ffffff;
}

.sf-steps li.completed {
  background: var(--bank-primary);
  color: transparent;
  border-color: var(--bank-primary);
}

.sf-steps li.completed::before {
  content: "\2713";
  color: #ffffff;
  font-size: 15px;
  font-weight: 800;
  line-height: 1;
}

/* Steps */
.sf-step {
  display: none;
  padding: 10px 28px 28px;
}

.sf-step.active {
  display: block;
}

.sf-title {
  color: var(--bank-gray-900);
  margin: 0 0 12px;
  font-weight: 700;
  font-size: 1.125rem;
  display: flex;
  align-items: center;
  gap: 10px;
}

.sf-title::before {
  content: '';
  width: 4px;
  height: 20px;
  background: var(--bank-primary);
  border-radius: 2px;
}

.fine-print {
  font-size: 13px;
  color: var(--bank-gray-600);
  margin-bottom: 20px;
  padding: 12px 16px;
  background: var(--bank-gray-50);
  border-radius: 8px;
  border-left: 3px solid var(--bank-accent);
}

.fine-print i {
  color: var(--bank-accent);
}

/* Form Fields - CLEAN & PROFESSIONAL */
.sf-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px 20px;
}

.sf-field {
  position: relative;
}

.sf-field label {
  display: block;
  font-size: 13px;
  font-weight: 600;
  color: var(--bank-gray-700);
  margin-bottom: 6px;
}

.sf-field label::after {
  content: '*';
  color: #dc2626;
  margin-left: 4px;
}

.sf-field label[for="achConsent"]::after {
  display: none;
}

.sf-field input,
.sf-field select {
  width: 100%;
  height: 52px;
  padding: 0 16px;
  font-size: 15px;
  font-weight: 500;
  color: var(--bank-gray-900);
  background: #fff;
  border: 2px solid #94a3b8;
  border-radius: 10px;
  transition: all 0.2s ease;
}

.sf-field input:hover,
.sf-field select:hover {
  border-color: #64748b;
}

.sf-field input:focus,
.sf-field select:focus {
  outline: none;
  border-color: var(--bank-primary);
  box-shadow: 0 0 0 4px rgba(0, 51, 102, 0.1);
  background: #fff;
}

.sf-field input::placeholder {
  color: #94a3b8;
  font-weight: 400;
}

.sf-field select {
  appearance: none;
  background: #fff url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='20' height='20' viewBox='0 0 24 24' fill='none' stroke='%236b7280' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='6 9 12 15 18 9'%3E%3C/polyline%3E%3C/svg%3E") no-repeat right 14px center;
  padding-right: 44px;
  cursor: pointer;
}

.sf-field .hint {
  font-size: 12px;
  color: var(--bank-gray-500);
  margin-top: 4px;
}

/* Field Error State */
.sf-field input.field-error,
.sf-field select.field-error {
  border-color: #dc2626;
  background: #fef2f2;
}

/* Card with brand icon */
.sf-field input.card-with-brand {
  background-repeat: no-repeat;
  background-position: right 14px center;
  background-size: 40px auto;
  padding-right: 60px;
}

/* Password field */
.sf-password {
  position: relative;
}

.sf-password input {
  padding-right: 50px;
}

.pw-toggle {
  position: absolute;
  right: 14px;
  top: 50%;
  transform: translateY(-50%);
  margin-top: 12px;
  width: 36px;
  height: 36px;
  background: transparent;
  border: none;
  border-radius: 6px;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--bank-gray-400);
  transition: all 0.2s;
}

.pw-toggle:hover {
  background: var(--bank-gray-100);
  color: var(--bank-gray-600);
}

.pw-toggle::before {
  content: '\F341';
  font-family: 'bootstrap-icons';
  font-size: 20px;
}

.pw-toggle.active::before {
  content: '\F340';
}

/* Checkbox */
.consent-wrapper {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  padding: 18px;
  background: #f8fafc;
  border-radius: 10px;
  border: 2px solid var(--bank-gray-200);
}

.consent-wrapper input[type="checkbox"] {
  width: 20px;
  height: 20px;
  margin-top: 2px;
  accent-color: var(--bank-primary);
  cursor: pointer;
  flex-shrink: 0;
}

.consent-wrapper label {
  font-size: 13px;
  color: var(--bank-gray-700);
  margin: 0;
  line-height: 1.5;
  cursor: pointer;
}

.consent-wrapper label::after {
  display: none;
}

/* Actions */
.sf-actions {
  display: flex;
  gap: 12px;
  margin-top: 24px;
  padding-top: 20px;
  border-top: 1px solid var(--bank-gray-100);
}

.sf-btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  height: 46px;
  padding: 0 24px;
  font-size: 14px;
  font-weight: 600;
  border-radius: 8px;
  cursor: pointer;
  transition: all 0.2s;
  border: none;
  background: linear-gradient(135deg, var(--bank-primary) 0%, var(--bank-primary-light) 100%);
  color: #fff;
}

.sf-btn:hover {
  transform: translateY(-1px);
  box-shadow: 0 4px 12px rgba(0, 51, 102, 0.3);
}

.sf-btn.sf-ghost {
  background: #fff;
  color: var(--bank-gray-700);
  border: 1.5px solid var(--bank-gray-300);
}

.sf-btn.sf-ghost:hover {
  background: var(--bank-gray-50);
  border-color: var(--bank-gray-400);
}

.sf-btn:disabled {
  opacity: 0.6;
  cursor: not-allowed;
  transform: none;
}

/* Error message */
.sf-message {
  padding: 12px 16px;
  margin: 0 28px 20px;
  background: #fee2e2;
  border: 1px solid #dc2626;
  border-radius: 8px;
  color: #dc2626;
  font-size: 14px;
  font-weight: 500;
  display: none;
}

/* Bank lookup note */
#achLookupNote {
  padding: 10px 14px;
  background: #e0f2fe;
  border-radius: 6px;
  font-size: 13px;
  font-weight: 500;
  margin-top: 8px;
  color: var(--bank-primary);
}

/* Features Section */
.features-section {
  padding: 50px 0;
  background: #fff;
  border-top: 1px solid var(--bank-gray-100);
}

.feature-card {
  text-align: center;
  padding: 28px 20px;
  background: var(--bank-gray-50);
  border-radius: 12px;
  border: 1px solid var(--bank-gray-100);
  transition: all 0.3s;
  height: 100%;
}

.feature-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 10px 25px rgba(0, 0, 0, 0.1);
}

.feature-icon {
  width: 56px;
  height: 56px;
  background: #fff;
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 16px;
  font-size: 24px;
  color: var(--bank-primary);
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.08);
}

.feature-card h4 {
  font-size: 16px;
  font-weight: 700;
  margin-bottom: 8px;
  color: var(--bank-gray-900);
}

.feature-card p {
  font-size: 13px;
  color: var(--bank-gray-600);
  margin: 0;
}

/* Footer */
.banking-footer {
  background: var(--bank-gray-900);
  color: #dce7fb;
  padding: 40px 0 20px;
}

.banking-footer img {
  height: 40px;
  opacity: 0.9;
}

.banking-footer a {
  color: #f2f7ff;
  font-size: 14px;
}

.banking-footer a:hover {
  color: #fff;
}

.banking-footer p,
.banking-footer i,
.banking-footer .mb-0 {
  color: #dce7fb;
}

.banking-footer hr {
  border-color: rgba(215, 228, 250, 0.25) !important;
}

/* Responsive */
@media (max-width: 768px) {
  .sf-grid {
    grid-template-columns: 1fr;
  }

  .banking-hero .tp-section-title {
    font-size: 1.5rem;
  }

  .direct-deposit-card {
    margin-top: 24px;
  }

  .sf-actions {
    flex-direction: column-reverse;
  }

  .sf-btn {
    width: 100%;
    justify-content: center;
  }
}

@media (max-width: 1199.98px) {
  .ach-header-phone {
    font-size: 14px;
    gap: 6px;
    margin-right: 12px;
  }
}

@media (max-width: 575.98px) {
  .ach-header-phone {
    display: none !important;
  }

  .ach-header-phone i {
    font-size: 14px;
  }
}

/* Loading state */
.sf-btn.loading {
  position: relative;
  color: transparent;
}

.sf-btn.loading::after {
  content: '';
  position: absolute;
  width: 20px;
  height: 20px;
  border: 2px solid rgba(255, 255, 255, 0.3);
  border-top-color: #fff;
  border-radius: 50%;
  animation: spin 0.8s linear infinite;
}

@keyframes spin {
  to {
    transform: rotate(360deg);
  }
}

/* Split ACH Experience */
.ach-layout-section {
  padding: 44px 0 56px;
  background:
    radial-gradient(circle at 14% 18%, rgba(30, 160, 210, 0.1) 0, rgba(30, 160, 210, 0) 45%),
    radial-gradient(circle at 80% 12%, rgba(0, 77, 110, 0.14) 0, rgba(0, 77, 110, 0) 42%),
    linear-gradient(180deg, #f6fbff 0%, #eef5fc 100%);
}

.ach-layout-shell {
  position: relative;
  overflow: hidden;
  background: linear-gradient(135deg, rgba(255, 255, 255, 0.96) 0%, rgba(245, 251, 255, 0.96) 100%);
  border: 1px solid rgba(15, 100, 150, 0.14);
  border-radius: 28px;
  padding: 32px;
  box-shadow: 0 22px 50px rgba(9, 30, 66, 0.08);
}

.ach-layout-shell::before,
.ach-layout-shell::after {
  content: "";
  position: absolute;
  border-radius: 50%;
  pointer-events: none;
}

.ach-layout-shell::before {
  width: 220px;
  height: 220px;
  left: -90px;
  top: -90px;
  background: radial-gradient(circle, rgba(30, 150, 205, 0.18) 0%, rgba(30, 150, 205, 0) 70%);
}

.ach-layout-shell::after {
  width: 240px;
  height: 240px;
  right: -110px;
  bottom: -110px;
  background: radial-gradient(circle, rgba(15, 90, 140, 0.2) 0%, rgba(15, 90, 140, 0) 72%);
}

.ach-split-row {
  --bs-gutter-x: 4.3rem;
  --bs-gutter-y: 1.8rem;
}

.ach-story-panel {
  padding-right: 18px;
  position: relative;
  z-index: 1;
  animation: achFadeUp 0.5s ease-out;
}

.ach-kicker {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.8px;
  text-transform: uppercase;
  color: #0f4f78;
  background: #dff3ff;
  border: 1px solid rgba(15, 79, 120, 0.16);
  padding: 9px 14px;
  border-radius: 999px;
  box-shadow: 0 6px 14px rgba(15, 79, 120, 0.14);
}

.ach-main-title {
  margin: 16px 0 12px;
  font-size: 2.15rem;
  line-height: 1.15;
  color: #0a2239;
  font-weight: 800;
}

.ach-lead {
  color: #516173;
  font-size: 1rem;
  line-height: 1.65;
  margin-bottom: 18px;
}

.ach-trust-badges {
  gap: 16px;
  margin-top: 0;
  margin-bottom: 18px;
}

.ach-trust-badges .trust-badge {
  background: #fff;
  border: 1px solid #dce8f2;
  border-radius: 999px;
  padding: 8px 13px;
  font-size: 12px;
}

.ach-insight-grid {
  display: grid;
  gap: 12px;
  margin-bottom: 20px;
}

.ach-insight-item {
  background: #fff;
  border: 1px solid #dfeaf3;
  border-radius: 14px;
  padding: 14px 16px;
  transition: transform 0.2s ease, box-shadow 0.2s ease, border-color 0.2s ease;
}

.ach-insight-item:hover {
  transform: translateY(-2px);
  border-color: #c6deef;
  box-shadow: 0 12px 24px rgba(8, 52, 86, 0.08);
}

.ach-insight-item h4 {
  margin: 0 0 6px;
  font-size: 15px;
  font-weight: 700;
  color: #15334f;
}

.ach-insight-item h4 i {
  color: #1384bc;
  margin-right: 7px;
}

.ach-insight-item p {
  margin: 0;
  font-size: 13px;
  color: #5c6c7d;
  line-height: 1.6;
}

.ach-media-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin-bottom: 22px;
}

.ach-media {
  margin: 0;
  border-radius: 14px;
  overflow: hidden;
  border: 1px solid #dbe8f2;
  box-shadow: 0 10px 18px rgba(13, 44, 75, 0.08);
}

.ach-media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
  transition: transform 0.3s ease;
}

.ach-media:hover img {
  transform: scale(1.03);
}

.ach-media-main {
  grid-column: 1 / 3;
  height: 215px;
}

.ach-media-secondary {
  height: 138px;
}

.ach-stat-card {
  border-radius: 14px;
  border: 1px solid #dbe8f2;
  background: linear-gradient(140deg, #0f4f78 0%, #1b87be 100%);
  color: #fff;
  padding: 16px;
  min-height: 138px;
  display: flex;
  flex-direction: column;
  justify-content: center;
  box-shadow: 0 10px 18px rgba(12, 68, 110, 0.24);
}

.ach-stat-value {
  display: block;
  font-size: 1.55rem;
  font-weight: 800;
  line-height: 1;
  margin-bottom: 6px;
}

.ach-stat-label {
  font-size: 13px;
  opacity: 0.93;
  line-height: 1.45;
}

.ach-process {
  background: #fff;
  border: 1px solid #dbe8f2;
  border-radius: 14px;
  padding: 16px;
}

.ach-process h3 {
  font-size: 16px;
  color: #18354f;
  margin: 0 0 12px;
  font-weight: 700;
}

.ach-process-list {
  list-style: none;
  padding: 0;
  margin: 0;
  display: grid;
  gap: 10px;
}

.ach-process-list li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  color: #526273;
  font-size: 13px;
  line-height: 1.5;
}

.ach-process-list li span {
  min-width: 30px;
  height: 30px;
  border-radius: 50%;
  background: #e4f3fc;
  color: #0f5f90;
  font-size: 12px;
  font-weight: 700;
  display: inline-flex;
  align-items: center;
  justify-content: center;
}

.ach-form-column {
  position: relative;
  padding: 14px;
  border-radius: 24px;
  border: 1px solid rgba(19, 88, 133, 0.22);
  background: linear-gradient(160deg, #ffffff 0%, #f3f9ff 100%);
  box-shadow: 0 22px 40px rgba(9, 38, 70, 0.12);
  z-index: 2;
  animation: achFadeUp 0.5s ease-out 0.06s both;
}

.ach-form-column::before {
  content: "";
  position: absolute;
  inset: 0;
  border-radius: inherit;
  padding: 1px;
  background: linear-gradient(135deg, rgba(34, 123, 177, 0.42), rgba(34, 123, 177, 0));
  -webkit-mask: linear-gradient(#fff 0 0) content-box, linear-gradient(#fff 0 0);
  -webkit-mask-composite: xor;
  mask-composite: exclude;
  pointer-events: none;
}

.ach-form-column::after {
  content: "Trusted Secure Flow";
  position: absolute;
  top: -12px;
  right: 22px;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.5px;
  color: #0f5f90;
  background: #e4f3fc;
  border: 1px solid #b9dcf1;
  border-radius: 999px;
  padding: 6px 10px;
  box-shadow: 0 8px 16px rgba(7, 58, 98, 0.12);
}

.ach-form-column .step-form-card {
  border: 1px solid #d5e5f3;
  box-shadow: 0 14px 30px rgba(11, 37, 64, 0.1);
  transition: box-shadow 0.25s ease, transform 0.25s ease;
}

.ach-form-column .step-form-card {
  position: sticky;
  top: calc(var(--header-h) + 18px);
}

.ach-form-column:hover .step-form-card {
  transform: translateY(-2px);
  box-shadow: 0 20px 34px rgba(8, 37, 65, 0.16);
}

.ach-form-note p {
  margin: 0;
  font-size: 12px;
  color: var(--bank-gray-500);
  font-weight: 500;
}

@media (max-width: 1199.98px) {
  .ach-layout-shell {
    padding: 24px;
  }

  .ach-split-row {
    --bs-gutter-x: 3rem;
  }

  .ach-main-title {
    font-size: 1.95rem;
  }

  .ach-media-main {
    height: 190px;
  }
}

@media (max-width: 991.98px) {
  .ach-layout-shell {
    padding: 20px;
  }

  .ach-split-row {
    --bs-gutter-x: 1.6rem;
  }

  .ach-story-panel {
    padding-right: 0;
  }

  .ach-form-column::after {
    top: -10px;
    right: 14px;
  }

  .ach-form-column .step-form-card {
    position: static;
  }

  .ach-main-title {
    font-size: 1.72rem;
  }
}

@media (max-width: 575.98px) {
  .ach-layout-section {
    padding: 26px 0 42px;
  }

  .ach-layout-shell {
    border-radius: 18px;
    padding: 14px;
  }

  .ach-form-column {
    padding: 10px;
    border-radius: 16px;
  }

  .ach-form-column::after {
    right: 10px;
    font-size: 10px;
    padding: 5px 9px;
  }

  .ach-main-title {
    font-size: 1.45rem;
    margin-top: 12px;
  }

  .ach-trust-badges {
    gap: 8px;
  }

  .ach-media-grid {
    grid-template-columns: 1fr;
  }

  .ach-media-main,
  .ach-media-secondary {
    grid-column: auto;
    height: 170px;
  }

  .ach-stat-card {
    min-height: 0;
  }
}

@keyframes achFadeUp {
  from {
    opacity: 0;
    transform: translateY(14px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}


.bank-logo-card {
  margin-top: 12px;
  display: flex;
  align-items: center;
  gap: 18px;
  padding: 16px 18px;
  border: 1px solid #d7e3f0;
  border-radius: 12px;
  background: linear-gradient(180deg, #f8fbff 0%, #eef6ff 100%);
}

.bank-logo-card[hidden] {
  display: none !important;
}

.bank-logo-media {
  width: 132px;
  height: 84px;
  flex: 0 0 132px;
  display: grid;
  place-items: center;
  border-radius: 10px;
  background: #ffffff;
  border: 1px solid #dde7f1;
  overflow: hidden;
}

.bank-logo-media img {
  width: 100%;
  height: 100%;
  object-fit: contain;
  padding: 4px;
  transform: scale(1.14);
  transform-origin: center;
}

.bank-logo-copy {
  display: flex;
  flex-direction: column;
  gap: 4px;
}

.bank-logo-copy strong {
  color: #0f172a;
  font-size: 14px;
  line-height: 1.3;
}

.bank-logo-copy span {
  color: #475569;
  font-size: 12px;
  line-height: 1.4;
}

@media (max-width: 575.98px) {
  .bank-logo-card {
    flex-direction: column;
    align-items: center;
    justify-content: center;
    text-align: center;
    gap: 14px;
    padding: 18px 16px;
  }

  .bank-logo-media {
    width: min(180px, 100%);
    height: 96px;
    flex-basis: auto;
    margin: 0 auto;
  }

  .bank-logo-copy {
    align-items: center;
    text-align: center;
  }
}

.pac-container {
  z-index: 2000 !important;
  border-radius: 12px;
  border: 1px solid #d7e3f0;
  box-shadow: 0 18px 40px rgba(15, 23, 42, 0.14);
  font-family: "Mulish", sans-serif;
}