.services-section {
  padding: 50px 20px;
  background: #fffcf3;
}

/* Header */
.section-title {
  text-align: center;
  margin-bottom: 40px;
}
.section-title h2 {
  font-size: 32px;
  font-weight: 700;
  color: #161c66;
  position: relative;
  display: inline-block;
}
.section-title h2::after {
  content: "";
  position: absolute;
  width: 50px;
  height: 3px;
  background: #0a2a66;
  left: 50%;
  transform: translateX(-50%);
  bottom: -10px;
  border-radius: 3px;
}
.section-title p {
  font-size: 15px;
  color: #555;
  margin-top: 15px;
}

.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 25px;
}

/* Card */
.service-card {
  background: #ffffff;
  border-radius: 14px;
  padding: 18px 16px;
  text-align: center;
  min-height: 190px; /* Reduced height */
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  box-shadow: 0 4px 12px rgba(0,0,0,0.08);
  transition: all 0.4s ease;
  position: relative;
  overflow: hidden;
  border: 1px solid #f0f0f0;
}

.service-card::before {
  content: "";
  position: absolute;
  top: -100%;
  left: 0;
  width: 100%;
  height: 100%;
  background: linear-gradient(135deg, rgba(224, 213, 175, 0.15), rgba(170, 96, 12, 0.1));
  transition: all 0.5s ease;
  z-index: 0;
}

.service-card:hover::before {
  top: 0;
}

.service-card:hover {
  transform: translateY(-6px) scale(1.03);
  box-shadow: 0 12px 28px rgba(0,0,0,0.18);
}

/* Icon */
.service-card .icon i {
  font-size: 44px;
  color: #161c66;
  margin-bottom: 12px;
  transition: transform 0.4s ease, color 0.4s ease;
  z-index: 1;
  position: relative;
}
.service-card:hover .icon i {
  color: #0056b3;
}

/* Title */
.service-card h3 {
  font-size: 17px;
  font-weight: 600;
  margin-bottom: 12px;
  color: #1a1a40;
  transition: color 0.3s ease;
  z-index: 1;
  position: relative;
}
.service-card:hover h3 {
  color: #0a2a66;
}

/* Button */
.btn-know {
  padding: 8px 20px;
  background: #0a2a66;
  color: #fff;
  border-radius: 6px;
  font-size: 13px;
  font-weight: 500;
  cursor: pointer;
  transition: all 0.3s ease;
  box-shadow: 0 3px 10px rgba(14, 58, 139, 0.2);
  z-index: 1;
  position: relative;
}
.btn-know:hover {
  background: #08305d;
}

/* Responsive */
@media (max-width: 991px) {
  .services-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}
@media (max-width: 600px) {
  .services-grid {
    grid-template-columns: 1fr;
  }
}

/* payment */
.utility-payments-section {
  padding: 80px 0; /* more breathing space */
  text-align: center;
}

.utility-heading {
  color: #c08518;
    text-decoration-line: underline;
  font-size: 25px; 
  font-weight: 800;
  letter-spacing: 2px;
  margin-bottom: 0px;
}

.utility-img {
  max-width: 600px; /* bigger image */
  width: 100%;
  height: auto;
  display: block;
  margin: 0 auto;
}

/* cooperative  */
/* Cooperative Bank Section */
/* Cooperative Bank Section */
.cooperative-bank {
  background: #001f3f; /* Navy Blue Background */
  padding: 60px 0;
}

.cooperative-heading {
  color: #FFD700; /* Yellow Heading */
  font-weight: bold;
  font-size: 32px;
  margin-bottom: 20px;
  text-transform: uppercase;
}

.cooperative-text {
  font-size: 16px;
  line-height: 1.6;
  margin-bottom: 30px;
}

.cooperative-cards {
  margin-top: 20px;
}

.cooperative-card {
  background: #ffffff10;
  padding: 20px;
  border-radius: 12px;
  transition: transform 0.3s ease, background 0.3s ease;
  color: white;
}

.cooperative-card:hover {
  transform: translateY(-5px);
  background: #ffffff20;
}

.cooperative-card .card-icon {
  width: 70px;
  height: 70px;
  margin-bottom: 10px;
}


/* e commerce */
.hero {
  position: relative;
  background: #d7d7e2;
}

.hero::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  pointer-events: none;
}

.hero .hero-content {
  position: relative;
  z-index: 1;
}

.hero .hero-content h1 {
  font-size: 2rem;
  font-weight: 700;
  line-height: 1.2;
  margin-bottom: 1.5rem;
}

.hero .hero-content h1 .accent-text {
  color: var(--accent-color);
}

@media (max-width: 992px) {
  .hero .hero-content {
    text-align: center;
    margin-bottom: 3rem;
  }

  .hero .hero-content h1 {
    font-size: 1.5rem;
  }

  .hero .hero-content .hero-buttons {
    justify-content: center;
  }
}

@media (max-width: 575px) {
  .hero .hero-content h1 {
    font-size: 2rem;
  }
}

.hero .company-badge {
  display: inline-flex;
  align-items: center;
  padding: 0.1rem 0.5rem;
  background-color: color-mix(in srgb, var(--accent-color), transparent 92%);
  border-radius: 50px;
  color: var(--accent-color);
  font-weight: 500;
}

.hero .company-badge i {
  font-size: 1.25rem;
}

.hero .btn-primary {
  background-color: var(--accent-color);
  border-color: var(--accent-color);
  color: var(--contrast-color);
  padding: 0.75rem 2.5rem;
  border-radius: 50px;
  font-weight: 500;
  transition: all 0.3s ease;
}

.hero .btn-primary:hover {
  background-color: color-mix(in srgb, var(--accent-color), black 20%);
  border-color: color-mix(in srgb, var(--accent-color), black 20%);
}

.hero .btn-link {
  color: var(--heading-color);
  text-decoration: none;
  font-weight: 500;
  transition: all 0.3s ease;
}

.hero .btn-link:hover {
  color: var(--accent-color);
}

.hero .btn-link i {
  font-size: 1.5rem;
  vertical-align: middle;
}

.hero .hero-image {
  position: relative;
  text-align: center;
  z-index: 1;
}

.hero .hero-image img {
  max-width: 100%;
  height: auto;
  animation: float-badge 2s ease-in-out infinite;
}
.highlight-x {
  color: #161c66;
}
.hero .customers-badge {
  position: absolute;
  bottom: 10px;
  right: 30px;
  background-color: var(--surface-color);
  padding: 1rem;
  border-radius: 10px;
  box-shadow: 0 5px 20px rgba(0, 0, 0, 0.1);
  max-width: 300px;
  animation: float-badge 3s ease-in-out infinite;
  will-change: transform;
}

.hero .customers-badge .customer-avatars {
  display: flex;
  align-items: center;
  margin-bottom: 0.5rem;
}

.hero .customers-badge .avatar {
  width: 35px;
  height: 35px;
  border-radius: 50%;
  border: 2px solid var(--surface-color);
  margin-left: -8px;
}

.hero .customers-badge .avatar:first-child {
  margin-left: 0;
}

.hero .customers-badge .avatar.more {
  background-color: var(--accent-color);
  color: var(--contrast-color);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.75rem;
  font-weight: 600;
}

.hero .customers-badge p {
  font-size: 0.875rem;
  color: color-mix(in srgb, var(--default-color), transparent 40%);
}

@media (max-width: 992px) {
  .hero .customers-badge {
    position: static;
    margin: 1rem auto;
    max-width: 250px;
  }
}

.hero .stats-row {
  position: relative;
  z-index: 1;
  margin-top: 5rem;
  background-color: var(--surface-color);
  border-radius: 20px;
  box-shadow: 0 5px 15px rgba(0, 0, 0, 0.05);
  padding-bottom: 2rem;
}

.hero .stat-item {
  display: flex;
  align-items: center;
  gap: 1rem;
  padding: 2rem;
}

.hero .stat-item .stat-icon {
  flex-shrink: 0;
  width: 64px;
  height: 64px;
  display: flex;
  align-items: center;
  justify-content: center;
  background-color: color-mix(in srgb, var(--accent-color), transparent 92%);
  border-radius: 50px;
  transition: 0.3s;
}

.hero .stat-item .stat-icon i {
  font-size: 1.5rem;
  color: var(--accent-color);
}

.hero .stat-item:hover .stat-icon {
  background-color: var(--accent-color);
}

.hero .stat-item:hover .stat-icon i {
  color: var(--contrast-color);
}

.hero .stat-item .stat-content {
  flex-grow: 1;
}

.hero .stat-item .stat-content h4 {
  font-size: 1.25rem;
  margin-bottom: 0.25rem;
  font-weight: 600;
}

.hero .stat-item .stat-content p {
  font-size: 0.700rem;
  color: black;
  margin: 0;
}

@media (max-width: 575px) {
  .hero .stat-item {
    padding: 1.5rem;
  }
}

@keyframes float-badge {
  0% {
    transform: translateY(0);
  }

  50% {
    transform: translateY(-10px);
  }

  100% {
    transform: translateY(0);
  }
}


/*--------------------------------------------------------------
# Features 2 Section
--------------------------------------------------------------*/
.features-2 .feature-item .feature-icon {
  width: 60px;
  height: 60px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 50%;
  background-color: #f8efdf;
}

.features-2 .feature-item .feature-icon i {
  font-size: 24px;
  color: var(--accent-color);
}

.features-2 .feature-item .feature-content h3 {
  font-size: 20px;
  font-weight: 600;
  margin-bottom: 10px;
}

.features-2 .feature-item .feature-content p {
  color: color-mix(in srgb, var(--default-color), transparent 25%);
  font-size: 15px;
  margin-bottom: 0;
}
.features-2 {
  background-color: #161c66;
  padding-top: 30px; /* removes top margin if padding caused it */
}
.features-2 .feature-item .feature-content h3,
.features-2 .feature-item .feature-content p {
  color: #ffffff;
}
.features-2 .phone-mockup {
  position: relative;
  padding: 20px 0;
}
.features-2 .feature-item {
  background: rgba(255, 255, 255, 0.05); 
  border-radius: 12px;
  padding: 10px;
  transition: all 0.3s ease;
}

.features-2 .feature-item:hover {
  background: rgba(134, 134, 134, 0.1);
  transform: translateY(-5px);
  box-shadow: 0 8px 20px rgba(0, 0, 0, 0.3);
}

.features-2 .phone-mockup img {
  max-width: 300px;
  height: auto;
  filter: drop-shadow(0 5px 15px rgba(0, 0, 0, 0.1));
}

@media (max-width: 991.98px) {
  .features-2 .feature-item {
    text-align: center !important;
    margin-bottom: 2rem;
  }

  .features-2 .feature-item .d-flex {
    flex-direction: column;
    text-align: center;
    justify-content: center !important;
  }

  .features-2 .phone-mockup {
    margin: 3rem 0;
  }
}


/* b2b */
.b2b-services {
  position: relative;
  background: url('/assets/img/products/b2b-bg.jpg') center center / cover no-repeat;
  padding: 100px 0;
  color: #fff;
  z-index: 1;
}

.b2b-services .overlay {
  content: "";
  position: absolute;
  inset: 0;
  background-color: #161c66; 
  z-index: 1;
}

.b2b-services .container {
  position: relative;
  z-index: 2;
}

.b2b-img {
  width: 500px;
  max-width: 100%;
  height: 350px;
  display: block;
  border-radius: 15px;
}

.b2b-services .content h3 {
  font-size: 24px;
  font-weight: 700;
  letter-spacing: 1px;
  color: #ffdd57;
  text-transform: uppercase;
  text-decoration-line: underline;
}

.b2b-services .content h2 {
  font-size: 32px;
  font-weight: 700;
  color: #fff;
}

.b2b-services .content p {
  font-size: 16px;
  color: #eaeaea;
  margin-bottom: 20px;
}

.b2b-services .feature-list {
  padding-left: 0;
  list-style: none;
}

.b2b-services .feature-list li {
  margin-bottom: 10px;
  padding-left: 1.5em;
  position: relative;
}

.b2b-services .feature-list li::before {
  content: '✔';
  position: absolute;
  left: 0;
  color: #00ffae;
  font-weight: bold;
}

/* Why B2B Section */
.why-b2b.section {
  padding: 80px 0;
  background: #f9f9f9;
}

.why-b2b .section-title h2 {
  font-size: 28px;
  font-weight: 700;
  margin-bottom: 10px;
}

.why-b2b .section-title p {
  font-size: 16px;
  color: #666;
}

.why-b2b .feature-box {
  padding: 24px 20px;
  background: #fff;
  box-shadow: 0px 0 30px rgba(0, 0, 0, 0.05);
  border-radius: 8px;
  transition: 0.3s;
  height: 100%;
}

.why-b2b .feature-box:hover {
  transform: translateY(-5px);
}

.why-b2b .feature-box i {
  font-size: 28px;
  color: var(--accent-color);
  margin-right: 15px;
  line-height: 1;
}

.why-b2b .feature-box h3 {
  font-size: 18px;
  font-weight: 600;
  margin-bottom: 5px;
}

.why-b2b .feature-box p {
  font-size: 14px;
  margin: 0;
  color: #555;
  text-align: justify;
}

/* cooperative */
/* Cooperative Bank */
.cooperative-bank {
  position: relative;
  background: url('/assets/img/products/cooperative-bg.jpg') center center / cover no-repeat;
  padding: 100px 0;
  color: #fff;
  z-index: 1;
}

.cooperative-bank .overlay {
  content: "";
  position: absolute;
  inset: 0;
  background-color: #161c66; /* darker navy */
  z-index: 1;
}

.cooperative-bank .container {
  position: relative;
  z-index: 2;
}

.coop-img {
  width: 500px;
  max-width: 100%;
  height: 350px;
  display: block;
  border-radius: 15px;
}

.cooperative-bank .content h3 {
  font-size: 24px;
  font-weight: 700;
  letter-spacing: 1px;
  color: #ffdd57;
  text-transform: uppercase;
  text-decoration-line: underline;
}

.cooperative-bank .content h2 {
  font-size: 32px;
  font-weight: 700;
  color: #fff;
}

.cooperative-bank .content p {
  font-size: 16px;
  color: #eaeaea;
  margin-bottom: 20px;
}

.cooperative-bank .feature-list {
  padding-left: 0;
  list-style: none;
}

.cooperative-bank .feature-list li {
  margin-bottom: 15px;
  padding-left: 1.5em;
  position: relative;
}

.cooperative-bank .feature-list li::before {
  content: '✔';
  position: absolute;
  left: 0;
  color: #00ffae;
  font-weight: bold;
}

.cooperative-bank .feature-list .icon-img {
  width: 50px;
  height: auto;
  margin-left: 10px;
  vertical-align: middle;
}

/* Pay In & Pay Out Section */
.payin-payout-services {
  position: relative;
  background: url('/assets/img/products/b2b-bg.jpg') center center / cover no-repeat;
  padding: 100px 0;
  color: #fff;
  z-index: 1;
}

.payin-payout-services .overlay {
  content: "";
  position: absolute;
  inset: 0;
  background-color: #161c66; /* deep navy overlay */
  z-index: 1;
}

.payin-payout-services .container {
  position: relative;
  z-index: 2;
}

.payin-img {
  width: 500px;
  max-width: 100%;
  height: 350px;
  display: block;
  border-radius: 15px;
}

.payin-payout-services .content h3 {
  font-size: 24px;
  font-weight: 700;
  letter-spacing: 1px;
  color: #ffdd57;
  text-transform: uppercase;
  text-decoration-line: underline;
}

.payin-payout-services .content h2 {
  font-size: 32px;
  font-weight: 700;
  color: #fff;
}

.payin-payout-services .content p {
  font-size: 16px;
  color: #eaeaea;
  margin-bottom: 20px;
}

.payin-payout-services .feature-list {
  padding-left: 0;
  list-style: none;
}

.payin-payout-services .feature-list li {
  margin-bottom: 10px;
  padding-left: 1.5em;
  position: relative;
}

.payin-payout-services .feature-list li::before {
  content: '✔';
  position: absolute;
  left: 0;
  color: #00ffae;
  font-weight: bold;
}


.why-payin-payout.section {
  padding: 80px 0;
  background: #f9f9f9;
}

.why-payin-payout .section-title h2 {
  font-size: 28px;
  font-weight: 700;
  margin-bottom: 10px;
}

.why-payin-payout .section-title p {
  font-size: 16px;
  color: #666;
}

.why-payin-payout .feature-box {
  padding: 24px 20px;
  background: #fff;
  box-shadow: 0px 0 30px rgba(0, 0, 0, 0.05);
  border-radius: 8px;
  transition: 0.3s;
  height: 100%;
}

.why-payin-payout .feature-box:hover {
  transform: translateY(-5px);
}

.why-payin-payout .feature-box i {
  font-size: 28px;
  color: var(--accent-color);
  margin-right: 15px;
  line-height: 1;
}

.why-payin-payout .feature-box h3 {
  font-size: 18px;
  font-weight: 600;
  margin-bottom: 5px;
}

.why-payin-payout .feature-box p {
  font-size: 14px;
  margin: 0;
  color: #555;
  text-align: justify;
}