/* Global Reset */
*{box-sizing:border-box}
html,body{margin:0;padding:0;font-family:'Noto Sans Bengali',system-ui,-apple-system,Segoe UI,Roboto,'Helvetica Neue',Arial,'Noto Sans',sans-serif}
:root{
  --brand:#e74c3c; /* Nagad red */
  --brand-dark:#c7382a;
  --text:#222;
  --muted:#6b7280;
  --bg:#fff;
  --card:#f9fafb;
  --shadow:0 10px 20px rgba(0,0,0,.08);
}
.container{max-width:1150px;margin:0 auto;padding:0 20px}
.btn{background:var(--brand);color:#fff;border:none;border-radius:30px;padding:10px 18px;font-weight:600;cursor:pointer;box-shadow:var(--shadow);display:inline-flex;align-items:center;justify-content:center;gap:8px;line-height:1}
.btn:hover{background:var(--brand-dark)}
.btn i{line-height:1}
.btn.ghost{background:#fff;color:var(--brand);border:1px solid var(--brand);box-shadow:none}
.center{display:flex;justify-content:center;gap:10px}
.muted{color:var(--muted);font-size:.95rem}

/* Header */
.header{position:fixed;top:12px;left:0;right:0;background:transparent;border-bottom:none;z-index:100;transition:all 0.3s ease;padding:0 20px}
.header.scrolled{top:0;background:transparent;padding:8px 20px}
.header .nav{display:flex;align-items:center;justify-content:space-between;min-height:64px;background:rgba(255,255,255,.95);border:1px solid #eee;border-radius:36px;padding:8px 14px;box-shadow:0 10px 25px rgba(0,0,0,.08);transition:all 0.3s ease;max-width:1150px;margin:0 auto}
.header.scrolled .nav{border-radius:8px;box-shadow:0 2px 10px rgba(0,0,0,.1);background:rgba(255,255,255,1)}
.header .brand img{height:36px}
.header .menu{display:flex;gap:18px}
.header .menu a{color:#374151;text-decoration:none;font-weight:500}
.header .actions{display:flex;align-items:center;gap:10px}
.header .actions .icon,.header .actions .lang,.header .actions .login{background:#fff;border:1px solid #e5e7eb;border-radius:20px;padding:8px 12px;color:#374151}
.header .actions .icon{width:36px;height:36px;border-radius:50%;display:inline-flex;align-items:center;justify-content:center}

/* Hero */
.hero{position:relative;height:100vh;margin-top:-24px;background-position:center -24px;background-size:contain;background-repeat:no-repeat;background-color:#f8f9fa}
.hero.bg-award{background-image:url('../../IMG/Nagad hero.png')}
.hero .hero-img,.hero .overlay,.hero .hero-text{display:none}

/* Services */
.services{background:#fff;margin-top:-200px;padding:20px 0 30px}
.svc-wrap{position:relative}
.svc-arrow{position:absolute;top:50%;transform:translateY(-50%);width:36px;height:36px;border-radius:50%;border:1px solid #e5e7eb;background:#fff;color:#374151;display:flex;align-items:center;justify-content:center;box-shadow:var(--shadow)}
.svc-arrow.left{left:-8px}
.svc-arrow.right{right:-8px}
.service-list{list-style:none;margin:0;padding:0;display:flex;justify-content:center;gap:40px;align-items:flex-start}
.service-list li{display:flex;flex-direction:column;align-items:center;color:#374151}
.service-list .icon{width:52px;height:52px;border:1px dashed #d1d5db;border-radius:50%;display:flex;align-items:center;justify-content:center;color:#374151;background:#fff;font-size:18px}
.service-list .label{margin-top:8px;font-size:.95rem;font-weight:600}
.service-list li.active .circle{width:112px;height:112px;border-radius:50%;background:radial-gradient(circle at 50% 40%, #ffe9e5 0, #fff 60%);box-shadow:0 12px 40px rgba(231,76,60,.35);display:flex;align-items:center;justify-content:center;margin-bottom:6px;border:1px solid #f2b2ab}
.service-list li.active .circle .icon{border:none;color:var(--brand);font-size:28px}

/* Offers */
.offers{padding:56px 0}
.offers h2{text-align:center;margin:0 0 18px}
.offers .offers-wrap{position:relative}
.cards{display:flex;gap:18px;overflow:hidden;scroll-behavior:smooth}
.card{background:#fff;border-radius:18px;box-shadow:var(--shadow);overflow:hidden;min-width:340px;flex:0 0 340px}
.card img{width:100%;height:160px;object-fit:cover;transition:transform .35s ease}
.card:hover img{transform:scale(1.06)}
.card .card-body{padding:14px}
.card h3{margin:0 0 10px;font-size:1rem}
.offers-arrow{position:absolute;top:50%;transform:translateY(-50%);width:40px;height:40px;border-radius:50%;border:1px solid #e5e7eb;background:#fff;color:#374151;display:flex;align-items:center;justify-content:center;box-shadow:var(--shadow)}
.offers-arrow.left{left:-8px}
.offers-arrow.right{right:-8px}

/* Open Account */
.open-account{padding:56px 0}
.open-account h2{text-align:center;margin:0;font-weight:800;color:#0f172a}
.open-account .sub{text-align:center;margin-top:8px;color:var(--muted)}
.open-account .center .btn{position:relative}
.open-account .center .btn::after{
  content:"";
  position:absolute;
  left:50%;
  bottom:-8px;
  transform:translateX(-50%);
  width:64px;
  height:3px;
  border-radius:3px;
  background:var(--brand);
  pointer-events:none;
}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin:26px 0}
.step{background:#fff;border-radius:22px;box-shadow:var(--shadow);padding:80px 20px 24px;text-align:center;position:relative}
.step .phone{position:absolute;top:-24px;left:50%;transform:translateX(-50%);width:86px;height:86px;border-radius:20px;background:#fff;border:1px solid #e5e7eb;box-shadow:var(--shadow);display:flex;align-items:center;justify-content:center;font-size:28px;color:#374151}
.step h4{margin:8px 0 6px;color:var(--brand);font-weight:700}
.step p{color:#374151;font-size:.95rem}

/* DFS */
.dfs{padding:56px 0}
.dfs-card{display:flex;gap:22px;align-items:center;background:#fff;border-radius:18px;box-shadow:var(--shadow);overflow:hidden}
.dfs-card img{width:48%;max-height:240px;object-fit:cover;transition:transform .35s ease}
.dfs-card:hover img{transform:scale(1.04)}
.dfs-text{padding-right:20px}

/* Fraud */
.fraud{padding:56px 0}
.split{display:flex;gap:22px;align-items:center}
.img-box{overflow:hidden}
.img-box img{width:100%;border-radius:18px;box-shadow:var(--shadow);transition:transform .35s ease}
.img-box:hover img{transform:scale(1.05)}
.text-box h2{margin:0 0 8px}

/* Everyday Life */
.everyday{padding:56px 0}
.grid9{display:grid;grid-template-columns:repeat(3,1fr);gap:10px}
.grid9 img{width:100%;height:150px;object-fit:cover;border-radius:12px;box-shadow:var(--shadow);transition:transform .35s ease}
.grid9 img:hover{transform:scale(1.05)}

/* Footer */
.footer{background:linear-gradient(180deg, #fff7f5 0%, #fff 55%, #ffe5de 100%);padding:50px 0 20px;border-top-left-radius:32px;border-top-right-radius:32px;position:relative;box-shadow:0 -10px 30px rgba(0,0,0,0.05) inset, 0 -2px 12px rgba(0,0,0,0.04)}
.footer .foot{display:flex;align-items:center;justify-content:space-between;gap:24px}
.footer .left img{height:46px;margin-bottom:12px}
.footer .links{list-style:none;padding:0;margin:12px 0 0;display:grid;gap:8px}
.footer .links a{color:#374151;text-decoration:none;font-weight:500}
.footer .links a:hover{color:#111}
.footer .social a{display:inline-flex;width:40px;height:40px;border-radius:12px;align-items:center;justify-content:center;background:#fff;color:#374151;border:1px solid #e5e7eb;margin-right:8px;transition:all .3s ease}
.footer .social a:hover{background:var(--brand);color:#fff;border-color:var(--brand)}
.footer .right h4{margin:0 0 8px;font-weight:700}
.footer .right .btn{padding:12px 24px;border-radius:12px}
.footer .copyright{text-align:center;color:#6b7280;font-size:.9rem;margin-top:24px}

/* Responsive */
@media (max-width:900px){
  .cards{grid-template-columns:1fr 1fr}
  .steps{grid-template-columns:1fr 1fr}
  .dfs-card{flex-direction:column}
  .dfs-card img{width:100%}
  .service-list{gap:20px}
  .service-list li.active .circle{width:80px;height:80px}
  .service-list li.active .circle .icon{font-size:20px}
}

@media (max-width:640px){
  .container{padding:0 16px}
  .header{padding:0 16px}
  .header .menu{display:none}
  .header .actions .lang{display:none}
  .header .nav{padding:8px 10px}

  /* Hero Mobile */
  
  /* Hero Mobile */
  .hero{
    height:clamp(220px, 36vh, 320px);
    min-height:220px;
    max-height:320px;
    background-size:contain;
    background-position:center center;
    margin-top:-20px;
    background-repeat:no-repeat;
  }
  
  /* Services Mobile */
  .services{
    margin-top:0;
    padding:24px 0 32px;
    background:linear-gradient(180deg, rgba(255,255,255,0.95) 0%, #fff 100%);
    position:relative;
    z-index:1;
  }
  .svc-wrap{
     background:#fff;
     border-radius:20px;
     padding:16px 12px;
     box-shadow:0 8px 32px rgba(0,0,0,0.08);
     margin:0 auto;
     max-width:380px;
     text-align:center;
     position:static;
   }
  .svc-arrow{
    display:none;
  }
  .service-list{
     display:grid;
     grid-template-columns:repeat(3, 1fr);
     grid-template-rows:1fr 1fr;
     gap:16px 12px;
     justify-content:center;
     justify-items:center;
   }
  .service-list li:nth-child(3){
    grid-column:2;
    grid-row:1;
  }
  .service-list li:nth-child(4){
    grid-column:1;
    grid-row:2;
  }
  .service-list li:nth-child(5){
    grid-column:3;
    grid-row:2;
  }
  .service-list li{
     display:flex;
     flex-direction:column;
     align-items:center;
     padding:12px 6px;
     border-radius:12px;
     transition:all 0.3s ease;
     min-height:85px;
     justify-content:center;
     width:100%;
     max-width:none;
   }
  .service-list li:hover{
    background:rgba(231,76,60,0.05);
    transform:translateY(-2px);
  }
  .service-list li.active{
    background:linear-gradient(135deg, rgba(231,76,60,0.1) 0%, rgba(231,76,60,0.05) 100%);
    border:1px solid rgba(231,76,60,0.2);
  }
  .service-list li.active .circle{
     width:60px;
     height:60px;
     margin:0 auto 8px;
     display:flex;
     align-items:center;
     justify-content:center;
     background:radial-gradient(circle at 50% 40%, #ffe9e5 0%, #fff 70%);
     box-shadow:0 6px 20px rgba(231,76,60,0.25);
     border:2px solid rgba(231,76,60,0.3);
   }
  .service-list li.active .circle .icon{
    font-size:20px;
    color:var(--brand);
    border:none;
    background:transparent;
    box-shadow:none;
  }
  .service-list .icon{
    width:40px;
    height:40px;
    font-size:16px;
    border:1.5px solid #e5e7eb;
    background:#fff;
    box-shadow:0 3px 10px rgba(0,0,0,0.08);
  }
  .service-list .label{
     font-size:0.75rem;
     font-weight:600;
     margin-top:8px;
     text-align:center;
     line-height:1.2;
     color:#374151;
   }
   .svc-link{display:flex;flex-direction:column;align-items:center;justify-content:center;text-decoration:none;color:inherit}
   
   /* Offers Mobile */
  .offers{
    padding:50px 0;
    background:linear-gradient(180deg, #f8fafc 0%, #fff 100%);
  }
  .offers h2{
    font-size:28px;
    margin-bottom:12px;
    text-align:center;
    color:#1f2937;
    font-weight:700;
  }
  .offers .sub{
    text-align:center;
    color:#6b7280;
    margin-bottom:32px;
    font-size:16px;
  }
  .cards{
    grid-template-columns:1fr;
    gap:20px;
    padding:0 4px;
  }
  .card{
    min-width:100%;
    margin:0;
    border-radius:16px;
    overflow:hidden;
    box-shadow:0 8px 25px rgba(0,0,0,0.08);
    transition:all 0.3s ease;
    background:#fff;
    border:1px solid rgba(0,0,0,0.05);
  }
  .card:hover{
    transform:translateY(-4px);
    box-shadow:0 12px 35px rgba(0,0,0,0.12);
  }
  .card img{
    width:100%;
    height:180px;
    object-fit:cover;
  }
  .card-body{
    padding:20px;
  }
  .card-body h3{
    font-size:18px;
    font-weight:600;
    color:#1f2937;
    margin-bottom:12px;
    line-height:1.4;
  }
  .card .btn{
    width:100%;
    padding:12px;
    font-size:14px;
    font-weight:600;
    border-radius:10px;
    transition:all 0.3s ease;
  }
  .offers .center{
    margin-top:32px;
  }
  .offers .btn.ghost{
    padding:14px 32px;
    font-size:16px;
    font-weight:600;
    border-radius:12px;
  }
  .offers-arrow{display:none}
  
  /* Open Account Mobile */
  .open-account{
    padding:60px 0;
    background:#fff;
  }
  .open-account h2{
    font-size:28px;
    text-align:center;
    color:#1f2937;
    font-weight:700;
    margin-bottom:8px;
  }
  .open-account .sub{
    text-align:center;
    color:#6b7280;
    font-size:16px;
    margin-bottom:24px;
  }
  .open-account .center:first-of-type{
    margin-bottom:40px;
  }
  .open-account .center:first-of-type .btn{
    padding:14px 24px;
    font-size:16px;
    font-weight:600;
    border-radius:12px;
    background:linear-gradient(135deg, #1f2937 0%, #374151 100%);
    color:#fff;
    border:none;
    box-shadow:0 4px 15px rgba(31,41,55,0.3);
  }
  .steps{
    grid-template-columns:1fr;
    gap:24px;
    margin:40px 0;
    padding:0 8px;
  }
  .step{
    padding:32px 20px 24px;
    background:#fff;
    border-radius:16px;
    box-shadow:0 8px 25px rgba(0,0,0,0.08);
    border:1px solid rgba(0,0,0,0.05);
    text-align:center;
    position:relative;
    transition:all 0.3s ease;
  }
  .step:hover{
    transform:translateY(-2px);
    box-shadow:0 12px 35px rgba(0,0,0,0.12);
  }
  .step .phone{
    width:70px;
    height:70px;
    font-size:24px;
    top:-35px;
    background:linear-gradient(135deg, var(--brand) 0%, #dc2626 100%);
    color:#fff;
    border:4px solid #fff;
    box-shadow:0 8px 25px rgba(231,76,60,0.3);
  }
  .step h4{
    font-size:18px;
    font-weight:600;
    color:#1f2937;
    margin:16px 0 8px;
  }
  .step p{
    color:#6b7280;
    font-size:14px;
    line-height:1.5;
  }
  .open-account .center:last-of-type{
    margin-top:40px;
    display:flex;
    flex-direction:column;
    gap:12px;
    align-items:center;
  }
  .open-account .center:last-of-type .btn{
    width:100%;
    max-width:280px;
    padding:14px;
    font-size:16px;
    font-weight:600;
    border-radius:12px;
  }
  .open-account .btn.ghost{
    background:transparent;
    color:var(--brand);
    border:2px solid var(--brand);
  }
  
  /* DFS Mobile */
  .dfs{
    padding:60px 0;
    background:linear-gradient(180deg, #f8fafc 0%, #fff 100%);
  }
  .dfs-card{
    flex-direction:column;
    text-align:center;
    background:#fff;
    border-radius:20px;
    overflow:hidden;
    box-shadow:0 12px 40px rgba(0,0,0,0.1);
    border:1px solid rgba(0,0,0,0.05);
    margin:0 8px;
  }
  .dfs-card img{
    width:100%;
    max-height:220px;
    object-fit:contain;
    padding:20px;
    background:linear-gradient(135deg, #f8fafc 0%, #fff 100%);
  }
  .dfs-text{
    padding:32px 24px;
  }
  .dfs-text h2{
    font-size:26px;
    font-weight:700;
    color:#1f2937;
    margin-bottom:16px;
    line-height:1.3;
  }
  .dfs-text p{
    font-size:16px;
    color:#6b7280;
    line-height:1.6;
    margin-bottom:24px;
  }
  .dfs-text .btn.ghost{
    padding:14px 28px;
    font-size:16px;
    font-weight:600;
    border-radius:12px;
    background:transparent;
    color:var(--brand);
    border:2px solid var(--brand);
    transition:all 0.3s ease;
  }
  .dfs-text .btn.ghost:hover{
    background:var(--brand);
    color:#fff;
    transform:translateY(-2px);
    box-shadow:0 8px 25px rgba(231,76,60,0.3);
  }
  
  /* Fraud Mobile */
  .fraud{
    padding:60px 0;
    background:#fff;
  }
  .split{
    flex-direction:column;
    gap:24px;
    margin:0 8px;
  }
  .img-box{
    order:1;
  }
  .img-box img{
    width:100%;
    height:220px;
    object-fit:cover;
    border-radius:16px;
    box-shadow:0 8px 25px rgba(0,0,0,0.1);
  }
  .text-box{
    order:2;
    text-align:center;
    padding:24px 16px;
    background:linear-gradient(135deg, #fef2f2 0%, #fff 100%);
    border-radius:16px;
    border:1px solid rgba(239,68,68,0.1);
  }
  .text-box h2{
    font-size:26px;
    font-weight:700;
    color:#dc2626;
    margin-bottom:16px;
    line-height:1.3;
  }
  .text-box p{
    font-size:16px;
    color:#6b7280;
    line-height:1.6;
    margin-bottom:24px;
  }
  .text-box .btn.ghost{
    padding:14px 28px;
    font-size:16px;
    font-weight:600;
    border-radius:12px;
    background:transparent;
    color:#dc2626;
    border:2px solid #dc2626;
    transition:all 0.3s ease;
  }
  .text-box .btn.ghost:hover{
    background:#dc2626;
    color:#fff;
    transform:translateY(-2px);
    box-shadow:0 8px 25px rgba(220,38,38,0.3);
  }
  
  /* Everyday Mobile */
  .everyday{
    padding:60px 0;
    background:linear-gradient(180deg, #f8fafc 0%, #fff 100%);
  }
  .everyday h2{
    font-size:28px;
    font-weight:700;
    color:#1f2937;
    text-align:center;
    margin-bottom:32px;
  }
  .grid9{
    grid-template-columns:1fr 1fr;
    gap:12px;
    margin:0 8px 32px;
  }
  .grid9 img{
    height:140px;
    width:100%;
    object-fit:cover;
    border-radius:12px;
    box-shadow:0 4px 15px rgba(0,0,0,0.1);
    transition:all 0.3s ease;
    border:1px solid rgba(0,0,0,0.05);
  }
  .grid9 img:hover{
    transform:translateY(-2px);
    box-shadow:0 8px 25px rgba(0,0,0,0.15);
  }
  .everyday .muted{
    text-align:center;
    color:#6b7280;
    font-size:16px;
    line-height:1.6;
    margin:0 16px;
    padding:24px;
    background:#fff;
    border-radius:16px;
    box-shadow:0 4px 15px rgba(0,0,0,0.05);
    border:1px solid rgba(0,0,0,0.05);
  }
  
  /* Footer Mobile */
  .footer{
    background:linear-gradient(180deg, #fff7f5 0%, #fff 55%, #ffe5de 100%);
    color:#374151;
    padding:50px 0 20px;
  }
  .footer .foot{
    flex-direction:column;
    gap:32px;
    text-align:center;
  }
  .footer .left{
    order:1;
  }
  .footer .left img{
    width:120px;
    margin-bottom:20px;
    object-fit:contain;
    filter:none;
  }
  .footer .links{
    display:flex;
    flex-wrap:wrap;
    gap:20px;
    justify-content:center;
  }
  .footer .links a{
    color:#374151;
    font-size:14px;
    font-weight:500;
    transition:all 0.3s ease;
    padding:8px 12px;
    border-radius:8px;
  }
  .footer .links a:hover{
    color:#111;
    background:rgba(0,0,0,0.06);
    transform:translateY(-1px);
  }
  .footer .center.social{
    order:2;
    display:flex;
    justify-content:center;
    gap:16px;
  }
  .footer .social a{
    width:50px;
    height:50px;
    background:#fff;
    border-radius:12px;
    display:flex;
    align-items:center;
    justify-content:center;
    font-size:20px;
    color:#374151;
    transition:all 0.3s ease;
    border:1px solid #e5e7eb;
  }
  .footer .social a:hover{
    background:var(--brand);
    color:#fff;
    transform:translateY(-2px);
    box-shadow:0 8px 25px rgba(231,76,60,0.3);
    border-color:var(--brand);
  }
  .footer .right{
    order:3;
  }
  .footer .right h4{
    font-size:18px;
    font-weight:600;
    margin-bottom:12px;
    color:#0f172a;
  }
  .footer .right p{
    color:#6b7280;
    font-size:14px;
    line-height:1.5;
    margin-bottom:20px;
  }
  .footer .right .btn{
    padding:12px 24px;
    font-size:14px;
    font-weight:600;
    border-radius:10px;
    background:var(--brand);
    color:#fff;
    border:none;
    transition:all 0.3s ease;
  }
  .footer .right .btn:hover{
    background:#dc2626;
    transform:translateY(-2px);
    box-shadow:0 8px 25px rgba(231,76,60,0.3);
  }
  .footer .copyright{
    text-align:center;
    color:#6b7280;
    font-size:14px;
    margin-top:32px;
    padding-top:24px;
    border-top:1px solid rgba(0,0,0,0.06);
  }
}