/* UMBPAY – Loan & Funding Company custom styles */
@import url('https://fonts.cdnfonts.com/css/futura-pt');
@import url('https://fonts.googleapis.com/css2?family=Unica+One&family=Great+Vibes&display=swap');

:root {
	--umbpay-font: 'Futura PT', 'Futura', 'Century Gothic', 'Trebuchet MS', Arial, sans-serif;
	--umbpay-heading-font: 'Unica One', 'Futura PT', sans-serif;
	--umbpay-caption-font: 'Unica One', 'Futura PT', sans-serif;
	--umbpay-primary: #104042;
	--umbpay-accent: #c4fd5e;
	--umbpay-lemon: #AEFF1C;
	--umbpay-page-gutter: clamp(0.75rem, 2.5vw, 1.5rem);
}

/* Preloader — UMBPAY logo colors */
#preloader,
.ctn-preloader {
	background: #ffffff !important;
}

.ctn-preloader {
	gap: 1.25rem;
}

.ctn-preloader::before {
	content: '';
	display: block;
	width: 180px;
	height: 40px;
	background: url('../img/logo/logo-1.svg') no-repeat center / contain;
	flex-shrink: 0;
	animation: umbpay-preloader-pulse 1.8s ease-in-out infinite;
}

.ctn-preloader .txt-loading {
	display: none !important;
}

@keyframes umbpay-preloader-pulse {
	0%, 100% {
		opacity: 0.82;
		transform: scale(1);
	}
	50% {
		opacity: 1;
		transform: scale(1.04);
	}
}

/* Hero — hide decorative shape */
.theme-banner-one .shape-1 {
	display: none !important;
}

body,
.ht-btn,
.menu-list a,
.umbpay-logo-text,
p,
.description-text,
.umbpay-sidebar-nav a {
	font-family: var(--umbpay-font) !important;
}

/* Headers & captions — Unica One */
h1, h2, h3, h4, h5, h6,
.main-title,
.title,
.title-one .title,
.breadcrumb-title,
.widget-title,
.page-title-area .breadcrumb-title,
.umbpay-currency-subtitle,
.umbpay-loan-product-title,
.umbpay-currency-pair,
.umbpay-currency-code,
.blog-meta a,
.blog-title a,
.blog-date,
.counter-title,
.feature-title,
.service-title a,
.umbpay-flow-step h4,
.semi-title,
.breadcrumb-content .breadcrumb-title,
.footer-widget .widget-title,
.copyright-text,
.footer-menu a,
.umbpay-footer-menu-minimal a,
.umbpay-card-terms-note,
.umbpay-compliance,
.umbpay-section-icon + .title,
.offset-title,
.sub-title,
.title-one .sub-title,
.section-caption,
.umbpay-section-label {
	font-family: var(--umbpay-heading-font) !important;
	font-weight: 700 !important;
	font-synthesis: weight;
	letter-spacing: 0.04em;
}

.logo-area .umbpay-logo-text,
.logo-area a.umbpay-text-logo {
	font-family: 'Futura PT', 'Futura', 'Century Gothic', 'Trebuchet MS', Arial, sans-serif !important;
	font-weight: 800;
	font-size: 1.75rem;
	letter-spacing: 0.18em;
	color: var(--umbpay-primary);
	text-transform: uppercase;
	text-decoration: none;
	line-height: 1;
}

.logo-area a.umbpay-text-logo:hover {
	color: var(--umbpay-accent);
}

.mobile-logo .umbpay-text-logo {
	color: #fff;
	letter-spacing: 0.14em;
	font-size: 1.5rem;
}

/* Floating WhatsApp */
#umbpay-whatsapp {
	position: fixed;
	right: 20px;
	bottom: 90px;
	z-index: 99999;
	width: 56px;
	height: 56px;
	border-radius: 50%;
	background: #25d366;
	color: #fff;
	display: flex;
	align-items: center;
	justify-content: center;
	font-size: 1.75rem;
	box-shadow: 0 4px 20px rgba(37, 211, 102, 0.45);
	transition: transform 0.2s, box-shadow 0.2s;
	text-decoration: none;
}

#umbpay-whatsapp:hover {
	transform: scale(1.08);
	color: #fff;
	box-shadow: 0 6px 24px rgba(37, 211, 102, 0.55);
}

.umbpay-contact-whatsapp {
	display: inline-flex;
	align-items: center;
	gap: 8px;
	color: #25d366;
	font-weight: 600;
	text-decoration: none;
}

.umbpay-contact-whatsapp:hover {
	color: #1da851;
}

@media (max-width: 575px) {
	#umbpay-whatsapp {
		right: 16px;
		bottom: 80px;
		width: 50px;
		height: 50px;
		font-size: 1.5rem;
	}
}

/* Hide shop/cart template remnants */
.cart-menu,
.cart-menu-right,
.shopping-cart {
	display: none !important;
}

/* Language translator bar */
.umbpay-lang-bar {
	background: var(--umbpay-primary);
	padding: 6px 0;
	position: relative;
	z-index: 1001;
}

.umbpay-lang-bar .container-fluid {
	padding-left: var(--umbpay-page-gutter);
	padding-right: var(--umbpay-page-gutter);
	max-width: 1280px;
	margin-left: auto;
	margin-right: auto;
}

.umbpay-lang-inner {
	display: flex;
	align-items: center;
	justify-content: flex-end;
	gap: 12px;
	flex-wrap: wrap;
}

.umbpay-lang-inner label {
	color: #fff;
	font-size: 0.65rem;
	margin: 0;
	white-space: nowrap;
}

.umbpay-lang-inner label i {
	font-size: 0.75rem;
}

.umbpay-lang-select {
	min-width: 90px;
	max-width: 115px;
	padding: 0.2rem 1.45rem 0.2rem 0.55rem;
	min-height: 26px;
	height: 26px;
	border: 1px solid var(--umbpay-lemon) !important;
	border-radius: var(--umbpay-btn-radius) !important;
	background-color: #fff;
	font-family: var(--umbpay-font);
	font-size: 0.65rem;
	font-weight: 600;
	line-height: 1.1;
	color: var(--umbpay-primary);
	cursor: pointer;
	appearance: none;
	-webkit-appearance: none;
	background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='10' height='6' viewBox='0 0 12 8'%3E%3Cpath fill='%23104042' d='M1 1l5 5 5-5'/%3E%3C/svg%3E");
	background-repeat: no-repeat;
	background-position: right 0.45rem center;
}

.umbpay-lang-select:focus {
	outline: none;
	box-shadow: 0 0 0 3px rgba(174, 255, 28, 0.35);
}

#google_translate_element {
	display: none;
}

.goog-te-banner-frame,
body > .skiptranslate {
	display: none !important;
}

body {
	top: 0 !important;
}

/* Sidebar menu fix */
.ht-menu-wrapper .ht-menu-area {
	max-width: 320px;
	overflow-y: auto;
}

.umbpay-sidebar-nav {
	list-style: none;
	padding: 0;
	margin: 20px 0 0;
}

.umbpay-sidebar-nav li {
	border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

.umbpay-sidebar-nav a {
	display: block;
	padding: 14px 0;
	color: #fff;
	font-size: 1rem;
	text-decoration: none;
	transition: color 0.2s;
}

.umbpay-sidebar-nav a:hover,
.umbpay-sidebar-nav a.active {
	color: var(--umbpay-accent);
}

.umbpay-sidebar-cta {
	margin-top: 24px;
}

.umbpay-sidebar-cta .ht-btn {
	width: 100%;
	text-align: center;
}

/* Multi-step application forms */
.umbpay-form-section {
	padding: 100px 0 80px;
}

.umbpay-progress {
	display: flex;
	justify-content: space-between;
	margin-bottom: 40px;
	gap: 8px;
	flex-wrap: wrap;
}

.umbpay-progress-step {
	flex: 1;
	min-width: 80px;
	text-align: center;
	position: relative;
}

.umbpay-progress-step span {
	display: inline-flex;
	width: 36px;
	height: 36px;
	border-radius: 50%;
	background: #e4f0f0;
	color: var(--umbpay-primary);
	font-weight: 700;
	align-items: center;
	justify-content: center;
	margin-bottom: 8px;
}

.umbpay-progress-step.active span,
.umbpay-progress-step.done span {
	background: var(--umbpay-primary);
	color: #fff;
}

.umbpay-progress-step p {
	font-size: 0.75rem;
	margin: 0;
	color: #666;
}

.umbpay-form-card {
	background: #fff;
	border-radius: 12px;
	padding: 40px;
	box-shadow: 0 8px 40px rgba(16, 64, 66, 0.08);
}

.umbpay-form-card .form-label {
	font-weight: 600;
	color: var(--umbpay-primary);
	margin-bottom: 6px;
}

.umbpay-form-card .form-control,
.umbpay-form-card .form-select {
	border: 1px solid #d0e0e0;
	border-radius: 8px;
	padding: 12px 16px;
	font-family: var(--umbpay-font);
}

.umbpay-form-card .form-control:focus,
.umbpay-form-card .form-select:focus {
	border-color: var(--umbpay-primary);
	box-shadow: 0 0 0 3px rgba(16, 64, 66, 0.1);
}

.umbpay-form-step {
	display: none;
}

.umbpay-form-step.active {
	display: block;
}

.umbpay-trust-badges {
	display: flex;
	flex-wrap: wrap;
	gap: 16px;
	margin-top: 24px;
	padding-top: 24px;
	border-top: 1px solid #eee;
}

.umbpay-trust-badges span {
	display: inline-flex;
	align-items: center;
	gap: 6px;
	font-size: 0.85rem;
	color: #555;
}

.umbpay-trust-badges i {
	color: var(--umbpay-primary);
}

.umbpay-form-nav {
	display: flex;
	justify-content: space-between;
	margin-top: 30px;
	gap: 12px;
	flex-wrap: wrap;
}

.umbpay-success-msg {
	display: none;
	text-align: center;
	padding: 40px;
}

.umbpay-success-msg.show {
	display: block;
}

.umbpay-success-msg i {
	font-size: 4rem;
	color: var(--umbpay-primary);
}

/* Terms page */
.umbpay-terms-content h3 {
	margin-top: 32px;
	color: var(--umbpay-primary);
}

.umbpay-terms-content p,
.umbpay-terms-content li {
	line-height: 1.8;
	color: #444;
}

/* Agent page */
.umbpay-agent-card {
	background: #e4f0f0;
	border-radius: 12px;
	padding: 32px;
	height: 100%;
}

.umbpay-agent-card h4 {
	color: var(--umbpay-primary);
}

.umbpay-live-status {
	display: inline-flex;
	align-items: center;
	gap: 8px;
	background: #fff;
	padding: 8px 16px;
	border-radius: 20px;
	font-size: 0.9rem;
	margin-bottom: 20px;
}

.umbpay-live-status::before {
	content: '';
	width: 10px;
	height: 10px;
	background: #22c55e;
	border-radius: 50%;
	animation: umbpay-pulse 1.5s infinite;
}

@keyframes umbpay-pulse {
	0%, 100% { opacity: 1; }
	50% { opacity: 0.4; }
}

/* Responsive */
@media (max-width: 991px) {
	.umbpay-form-card {
		padding: 24px 20px;
	}

	.umbpay-progress-step p {
		font-size: 0.65rem;
	}

	.ht-menu-wrapper .mobile-menu-wrapper {
		display: none !important;
	}

	.umbpay-sidebar-nav {
		display: block !important;
	}
}

@media (max-width: 575px) {
	.umbpay-lang-inner {
		justify-content: center;
	}

	.umbpay-form-nav .ht-btn {
		width: 100%;
	}
}

/* ── Standard component scale & mobile layout ── */
:root {
	--umbpay-text-sm: 0.875rem;
	--umbpay-text-base: 1rem;
	--umbpay-text-lg: 1.125rem;
	--umbpay-h1: clamp(1.75rem, 4.5vw, 2.5rem);
	--umbpay-h2: clamp(1.375rem, 3.5vw, 2rem);
	--umbpay-h3: clamp(1.125rem, 2.5vw, 1.5rem);
	--umbpay-h4: 1.0625rem;
	--umbpay-btn-py: 0.625rem;
	--umbpay-btn-px: 1.25rem;
	--umbpay-card-pad: 1.25rem;
	--umbpay-section-y: 3.5rem;
	--umbpay-btn-radius: 40px;
	--umbpay-btn-border: 1px solid var(--umbpay-primary);
}

/* Buttons — standard 44px touch target */
.ht-btn.umbpay-btn,
.ht-btn.umbpay-btn-outline,
a.ht-btn.bs-btn,
.theme-banner-one .ht-btn,
.umbpay-sidebar-cta .ht-btn {
	font-size: var(--umbpay-text-sm) !important;
	font-weight: 600 !important;
	padding: var(--umbpay-btn-py) var(--umbpay-btn-px) !important;
	line-height: 1.4 !important;
	min-height: 44px;
	display: inline-flex;
	align-items: center;
	justify-content: center;
	gap: 0.35rem;
	border-radius: var(--umbpay-btn-radius) !important;
	border: var(--umbpay-btn-border) !important;
	letter-spacing: 0.02em;
}

.umbpay-hero-actions .ht-btn {
	min-width: 7rem;
}

/* Headings */
.main-title {
	font-size: var(--umbpay-h1) !important;
	line-height: 1.2 !important;
	margin-bottom: 0.75rem !important;
}

.title-one .title,
.title.text-heding2 {
	font-size: var(--umbpay-h2) !important;
	line-height: 1.3 !important;
}

.feature-title,
.service-title {
	font-size: var(--umbpay-h4) !important;
	line-height: 1.35 !important;
}

.hero-description,
.title-one p,
.feature-wrap-1 .description,
.service-wrap-1 .description,
.service-wrap-2 .description {
	font-size: var(--umbpay-text-base) !important;
	line-height: 1.6 !important;
	color: #4a5568;
}

/* Section spacing — tighter */
.feature-section,
.service-section,
.about-section,
.fun-fact-section {
	padding-top: var(--umbpay-section-y) !important;
	padding-bottom: var(--umbpay-section-y) !important;
}

.title-one.mb-75,
.title-one.mb-70 {
	margin-bottom: 2rem !important;
}

/* Cards */
.service-wrap-2,
.feature-wrap-1,
.umbpay-agent-card,
.umbpay-form-card,
.info-box2 {
	padding: var(--umbpay-card-pad) !important;
}

.counter-wrap-1 .number {
	font-size: clamp(1.5rem, 4vw, 2.25rem) !important;
}

.counter-wrap-1 .counter-title {
	font-size: var(--umbpay-text-sm) !important;
}

/* Images */
.service-thumb img,
.img-wrapper-one .main-img,
.img-wrapper-two .main-img {
	width: 100%;
	max-height: 420px;
	object-fit: cover;
	border-radius: 8px;
}

.umbpay-feature-photo {
	border-radius: 8px;
}

.umbpay-feature-accent {
	max-width: 40%;
	border-radius: 6px;
	object-fit: cover;
}

img {
	max-width: 100%;
	height: auto;
}

/* Hide template rating/author blocks if any remain */
.user-content-wrap-1,
.feedback-user-list,
.img-wrapper-six .rating-box {
	display: none !important;
}

/* Hero layout mobile */
@media (max-width: 991px) {
	.theme-banner-one .row {
		row-gap: 1.5rem;
	}

	.theme-banner-one .hero-img {
		text-align: center !important;
	}

	.img-wrapper-one .float-content-1 {
		transform: scale(0.85);
		transform-origin: bottom right;
	}
}

@media (max-width: 767px) {
	:root {
		--umbpay-section-y: 2.5rem;
		--umbpay-card-pad: 1rem;
	}

	.main-header-area {
		padding: 0.5rem 0;
	}

	.logo-area img {
		max-height: 32px;
		width: auto;
	}

	.umbpay-hero-actions {
		flex-direction: column;
		align-items: stretch;
	}

	.umbpay-hero-actions .ht-btn {
		width: 100%;
	}

	.service-wrap-2,
	.feature-wrap-1 {
		margin-bottom: 1rem;
	}

	.fun-fact-section .counter-wrap-1 {
		text-align: center;
		margin-bottom: 1.25rem;
	}

	.breadcrumb-title {
		font-size: var(--umbpay-h2) !important;
	}
}

@media (max-width: 575px) {
	.umbpay-lang-select {
		min-width: 85px;
		max-width: 110px;
		font-size: 0.65rem;
		padding: 0.25rem 1.5rem 0.25rem 0.55rem;
	}

	.umbpay-lang-inner label {
		font-size: 0.65rem;
	}
}

/* Professional top bar — unified across all menu themes (match index) */
.theme-main-menu .header-top {
	background: transparent !important;
	border-bottom: 1px solid rgba(16, 64, 66, 0.08);
	padding: 12px 0 !important;
	position: relative;
	z-index: 1010;
}

.theme-main-menu .header-top .container-fluid {
	max-width: 1280px;
	margin-left: auto;
	margin-right: auto;
	padding-left: var(--umbpay-page-gutter);
	padding-right: var(--umbpay-page-gutter);
	width: 100%;
}

.theme-main-menu .header-top .topbar-content {
	width: 100%;
	min-height: 34px;
}

.theme-main-menu .ht-topbar-left .ht-phone,
.theme-main-menu .ht-topbar-right .ht-email {
	font-size: 0.8125rem;
	color: #334155 !important;
	text-decoration: none;
}

.theme-main-menu .ht-topbar-left .ht-phone:hover,
.theme-main-menu .ht-topbar-right .ht-email:hover {
	color: var(--umbpay-primary) !important;
}

@media (min-width: 992px) {
	.theme-main-menu .ht-topbar-left .ht-phone.d-none.d-xl-inline-block {
		display: inline-block !important;
	}
}

.header-top {
	border-bottom: 1px solid rgba(16, 64, 66, 0.08);
}

.header-social {
	display: none !important;
}

/* Legitimacy trust strip */
.umbpay-trust-strip {
	background: #f4f8f8;
	border-top: 1px solid #e2ecec;
	border-bottom: 1px solid #e2ecec;
	padding: 0.875rem 0;
}

.umbpay-trust-strip ul {
	list-style: none;
	margin: 0;
	padding: 0;
	display: flex;
	flex-wrap: wrap;
	justify-content: center;
	gap: 1rem 1.75rem;
}

.umbpay-trust-strip li {
	font-size: 0.8125rem;
	color: #475569;
	display: inline-flex;
	align-items: center;
	gap: 0.4rem;
}

.umbpay-trust-strip a {
	color: var(--umbpay-primary);
	text-decoration: none;
}

.umbpay-compliance {
	background: #0f2d2f;
	color: var(--umbpay-lemon);
	font-size: 0.75rem;
	line-height: 1.6;
	padding: 1rem 0;
	text-align: center;
}

.umbpay-compliance a {
	color: var(--umbpay-lemon);
}

.copyright-text a {
	color: inherit;
	text-decoration: none;
}

.footer-menu a {
	font-size: 0.875rem;
}

.umbpay-footer-minimal .footer-widget {
	text-align: center;
}

.umbpay-footer-menu-minimal {
	list-style: none;
	margin: 0;
	padding: 0;
	display: flex;
	flex-wrap: wrap;
	gap: 0.5rem 1.25rem;
}

.umbpay-footer-menu-minimal li {
	margin: 0;
}

.footer-five.pt-80.umbpay-footer-minimal,
.footer-five.pt-80 {
	padding-top: 3rem !important;
}

.footer-five .description-text {
	max-width: 36rem;
	margin-left: auto;
	margin-right: auto;
}

/* Footer — lemon green text */
.footer-five.theme-bg2,
.footer-five {
	color: var(--umbpay-lemon) !important;
}

.footer-five .description-text,
.footer-five .copyright-text,
.footer-five .copyright-wrap .copyright-text,
.footer-five .copyright-text a,
.footer-five .footer-menu li a,
.footer-five .footer-menu a,
.footer-five .umbpay-footer-menu-minimal a,
.footer-five .footer-widget ul li a,
.footer-five .widget-title,
.footer-five .umbpay-footer-contact,
.footer-five .umbpay-footer-contact a,
.footer-five .umbpay-footer-contact li {
	color: var(--umbpay-lemon) !important;
}

.footer-five .copyright-text a:hover,
.footer-five .footer-menu li a:hover,
.footer-five .footer-menu a:hover,
.footer-five .umbpay-footer-menu-minimal a:hover,
.footer-five .footer-widget ul li a:hover,
.footer-five .umbpay-footer-contact a:hover {
	color: #ffffff !important;
}

.footer-five .copyright-wrap {
	border-top-color: rgba(174, 255, 28, 0.25) !important;
}

.footer-five .umbpay-compliance,
.footer-five .umbpay-compliance p,
.footer-five .umbpay-compliance a {
	color: var(--umbpay-lemon) !important;
}

.footer-five .umbpay-compliance a:hover {
	color: #ffffff !important;
}

.umbpay-footer-contact {
	list-style: none;
	padding: 0;
	margin: 0;
	font-size: 0.9rem;
	line-height: 1.7;
}

.umbpay-footer-contact a {
	color: inherit;
	text-decoration: none;
}

#loginModal {
	display: none !important;
}

/* About section — readable text on photo background */
.about-section.umbpay-about-section {
	position: relative;
	isolation: isolate;
}

.about-section.umbpay-about-section::before {
	content: "";
	position: absolute;
	inset: 0;
	background: linear-gradient(135deg, rgba(12, 38, 40, 0.93) 0%, rgba(16, 64, 66, 0.88) 100%);
	z-index: 0;
}

.about-section.umbpay-about-section > * {
	position: relative;
	z-index: 1;
}

.about-section.umbpay-about-section .title.text-white,
.about-section.umbpay-about-section .text-xl.text-white,
.about-section.umbpay-about-section p.text-white {
	color: #ffffff !important;
}

.about-section.umbpay-about-section .title.text-white {
	text-shadow: 0 2px 8px rgba(0, 0, 0, 0.35);
}

.about-section.umbpay-about-section .text-xl {
	font-size: 1.125rem;
	line-height: 1.7;
	opacity: 1;
}

.about-section.umbpay-about-section .btn-two {
	color: #0f2d2f;
}

.umbpay-about-accent {
	border-radius: 8px;
	object-fit: cover;
	box-shadow: 0 8px 24px rgba(0, 0, 0, 0.25);
}

/* Why Choose Us image */
.umbpay-choose-img img {
	border-radius: 10px;
	object-fit: cover;
	min-height: 320px;
	max-height: 520px;
	width: 100%;
}

/* Testimonial avatars — initials instead of stock photos */
.umbpay-avatar-initials {
	display: flex;
	align-items: center;
	justify-content: center;
	background: var(--umbpay-primary);
	color: var(--umbpay-accent);
	font-family: var(--umbpay-heading-font);
	font-weight: 700;
	line-height: 1;
	text-transform: uppercase;
	user-select: none;
	flex-shrink: 0;
}

.umbpay-avatar-initials--card {
	width: 100%;
	max-width: 200px;
	aspect-ratio: 4 / 5;
	border-radius: 12px;
	font-size: clamp(2rem, 5vw, 3rem);
	margin: 0 auto;
}

.umbpay-avatar-initials--sm {
	width: 64px;
	height: 64px;
	border-radius: 50%;
	font-size: 1.25rem;
}

.umbpay-avatar-initials--xs {
	width: 52px;
	height: 52px;
	border-radius: 50%;
	font-size: 1rem;
}

.umbpay-avatar-initials--thumb {
	width: 100%;
	max-width: 180px;
	aspect-ratio: 1;
	border-radius: 16px;
	font-size: clamp(1.75rem, 4vw, 2.5rem);
	margin: 0 auto;
}

.feedback-wrap-4 .flag-box .umbpay-avatar-initials--sm {
	width: 72px;
	height: 72px;
}

.feedback-wrap-4 .author-country,
.feedback-wrap-6 .author-avatar img,
.author-thumb-slider .author-avatar img {
	display: none !important;
}

.feedback-wrap-2 .author-avatar .umbpay-avatar-initials--card {
	display: flex;
}

/* Page hero spacing — match index gap below navbar */
main > .page-title-area:first-child {
	margin-top: 1.75rem;
}

main > section:first-child:not(.theme-banner-one) {
	margin-top: 1.75rem;
}

/* Testimonial photos (legacy) */
.umbpay-testimonial-photo {
	border-radius: 12px;
	object-fit: cover;
	width: 100%;
	max-width: 320px;
	aspect-ratio: 4 / 5;
}

.feedback-wrap-2 .author-avatar .umbpay-testimonial-photo {
	display: block;
	margin: 0 auto;
}

/* About page copy visibility */
.umbpay-about-page-copy .title {
	color: #0f2d2f !important;
}

.umbpay-about-page-copy p {
	color: #334155 !important;
	font-size: 1.05rem;
	line-height: 1.7;
}

.umbpay-business-license {
	display: flex;
	align-items: flex-start;
	gap: 1rem;
	margin-bottom: 2rem;
	padding: 1.15rem 1.25rem;
	border-radius: 14px;
	background: linear-gradient(145deg, #f8fff0 0%, #eefce4 100%);
	border: 1px solid var(--umbpay-primary);
	box-shadow: 0 8px 24px rgba(16, 64, 66, 0.08);
}

.umbpay-business-license__badge {
	flex-shrink: 0;
	width: 2.75rem;
	height: 2.75rem;
	display: flex;
	align-items: center;
	justify-content: center;
	border-radius: 10px;
	background: var(--umbpay-lemon);
	color: var(--umbpay-primary);
	font-size: 1.35rem;
	border: 1px solid var(--umbpay-primary);
}

.umbpay-business-license__body {
	min-width: 0;
}

.umbpay-business-license__label {
	margin: 0 0 0.35rem;
	font-family: var(--umbpay-caption-font);
	font-size: 0.72rem;
	letter-spacing: 0.14em;
	text-transform: uppercase;
	color: rgba(16, 64, 66, 0.72);
}

.umbpay-business-license__authority {
	margin: 0 0 0.5rem;
	font-size: 0.92rem;
	font-weight: 600;
	color: var(--umbpay-primary);
	line-height: 1.4;
}

.umbpay-business-license__company {
	margin: 0 0 0.25rem;
	font-size: 1rem;
	font-weight: 700;
	color: #0f2d2f;
	line-height: 1.35;
}

.umbpay-business-license__date {
	margin: 0;
	font-size: 0.88rem;
	color: #475569;
	line-height: 1.4;
}

/* Compliance credentials badges */
.umbpay-credentials-section {
	background: #f8fafb;
}

.umbpay-credentials-section__intro {
	max-width: 42rem;
	margin: 0.75rem auto 0;
	color: #475569;
	font-size: 1rem;
	line-height: 1.65;
}

.umbpay-credentials {
	display: flex;
	flex-direction: column;
	gap: 1.25rem;
}

.umbpay-credentials--section {
	max-width: 52rem;
	margin: 0 auto;
	padding: 1.5rem 1.35rem;
	border-radius: 16px;
	background: #fff;
	border: 1px solid rgba(16, 64, 66, 0.12);
	box-shadow: 0 10px 28px rgba(16, 64, 66, 0.06);
}

.umbpay-credentials__tagline {
	margin: 0;
	font-family: var(--umbpay-caption-font);
	font-size: 0.78rem;
	letter-spacing: 0.16em;
	text-transform: uppercase;
	color: var(--umbpay-primary);
	text-align: center;
}

.umbpay-credentials__heading {
	margin: 0 0 0.65rem;
	font-size: 0.72rem;
	font-weight: 700;
	letter-spacing: 0.12em;
	text-transform: uppercase;
	color: rgba(16, 64, 66, 0.65);
}

.umbpay-credentials__badges {
	list-style: none;
	margin: 0;
	padding: 0;
	display: flex;
	flex-wrap: wrap;
	gap: 0.5rem;
}

.umbpay-credentials__badges li {
	display: inline-flex;
	align-items: center;
	justify-content: center;
	min-width: 3.1rem;
	padding: 0.42rem 0.7rem;
	border-radius: 8px;
	font-size: 0.72rem;
	font-weight: 700;
	letter-spacing: 0.06em;
	color: var(--umbpay-primary);
	background: linear-gradient(145deg, #f8fff0 0%, #eefce4 100%);
	border: 1px solid rgba(16, 64, 66, 0.2);
}

.umbpay-credentials--on-dark .umbpay-credentials__tagline {
	color: var(--umbpay-lemon);
}

.umbpay-credentials--on-dark .umbpay-credentials__heading {
	color: rgba(255, 255, 255, 0.72);
}

.umbpay-credentials--on-dark .umbpay-credentials__badges li {
	color: var(--umbpay-primary);
	background: rgba(255, 255, 255, 0.92);
	border-color: rgba(174, 255, 28, 0.35);
}

.umbpay-credentials-disclaimer,
.umbpay-legal-notice {
	max-width: 52rem;
	margin: 2rem auto 0;
	padding: 1rem 1.15rem;
	border-radius: 12px;
	font-size: 0.88rem;
	line-height: 1.65;
	color: #475569;
	background: #eef6f6;
	border: 1px solid rgba(16, 64, 66, 0.1);
	text-align: center;
}

.umbpay-legal-notice {
	margin: 0 0 1.5rem;
	text-align: left;
}

.umbpay-legal-notice p {
	margin: 0;
}

.umbpay-choose-img img {
	border-radius: 12px;
	object-fit: cover;
	min-height: 280px;
}

.about-section .feature-list-two .feature-title {
	color: #1e293b !important;
}

.umbpay-testimonial-side {
	border-radius: 10px;
	object-fit: cover;
	width: 100%;
	max-height: 220px;
	margin-top: 0.5rem;
}

/* Page title / breadcrumb — fix overlap & stacking */
.page-title-area {
	position: relative;
	overflow: hidden;
	margin: 0;
	padding: 0 !important;
	clear: both;
	isolation: isolate;
}

.page-title-area .breadcrumb-wrapper {
	padding: 3.5rem 0 !important;
	min-height: 200px;
	display: flex;
	align-items: center;
	background-position: center center !important;
	background-size: cover !important;
	background-repeat: no-repeat !important;
	position: relative;
	isolation: isolate;
	overflow: hidden;
}

.page-title-area .breadcrumb-wrapper::before {
	z-index: 0 !important;
	background: linear-gradient(135deg, rgba(12, 38, 40, 0.88) 0%, rgba(16, 64, 66, 0.78) 100%) !important;
}

.page-title-area .breadcrumb-wrapper .container {
	position: relative;
	z-index: 2;
	width: 100%;
}

.page-title-area .breadcrumb-content {
	position: relative;
	z-index: 2;
	padding: 0.5rem 0;
}

.page-title-area .breadcrumb-title {
	color: #fff !important;
	font-size: clamp(1.75rem, 3.5vw, 2.75rem) !important;
	font-weight: 700 !important;
	line-height: 1.2 !important;
	margin: 0 0 0.75rem !important;
	text-shadow: 0 2px 12px rgba(0, 0, 0, 0.35);
}

.page-title-area .breadcumb-menu {
	position: relative;
	z-index: 2;
	margin: 0;
	padding: 0;
}

.page-title-area .breadcumb-menu a {
	color: rgba(255, 255, 255, 0.9) !important;
}

/* Responsive main navigation */
/* Remove template dropdown chevrons on all navbar links */
.theme-main-menu .main-menu ul li a::before,
.main-menu ul.menu-list li a::before,
.umbpay-main-nav > li > a::before,
.main-menu ul li ul.sub-menu li a::before {
	display: none !important;
	content: none !important;
}

.theme-main-menu .main-menu ul li a i.bi-chevron-down,
.theme-main-menu .main-menu ul li a i.bi-chevron-right,
.theme-main-menu .main-menu ul li a .sub-menu-arrow,
.umbpay-main-nav > li > a i {
	display: none !important;
}

.mean-container .mean-nav ul li a.mean-expand {
	display: none !important;
}

@media (max-width: 1199px) {
	.theme-main-menu .main-menu {
		display: none !important;
	}

	.theme-main-menu .hamburger-menu {
		display: inline-flex !important;
	}

	.theme-main-menu .quote-btn {
		display: none !important;
	}
}

@media (min-width: 1200px) {
	.theme-main-menu .hamburger-menu {
		display: none !important;
	}
}

/* Business loans page (iBusiness-style cards) */
.umbpay-loan-products .umbpay-product-card {
	background: #fff;
	border: 1px solid #e2ecec;
	border-radius: 10px;
	padding: 1.5rem;
	height: 100%;
}

.umbpay-loan-products .umbpay-product-card h4 {
	color: var(--umbpay-primary);
	margin-bottom: 0.75rem;
}

.umbpay-loan-products .umbpay-product-meta {
	font-size: 0.875rem;
	color: #475569;
	margin-bottom: 0.35rem;
}

.umbpay-loan-products .umbpay-product-meta strong {
	color: #0f2d2f;
}

.umbpay-steps {
	counter-reset: umbpay-step;
}

.umbpay-step-item {
	display: flex;
	gap: 1rem;
	margin-bottom: 1.25rem;
	align-items: flex-start;
}

.umbpay-step-item::before {
	counter-increment: umbpay-step;
	content: counter(umbpay-step);
	flex: 0 0 2.25rem;
	height: 2.25rem;
	border-radius: 50%;
	background: var(--umbpay-accent);
	color: var(--umbpay-primary);
	font-weight: 700;
	display: flex;
	align-items: center;
	justify-content: center;
	font-size: 0.95rem;
}

.umbpay-currency-card .flag img {
	width: 48px;
	height: 32px;
	object-fit: cover;
	border-radius: 4px;
	border: 1px solid rgba(255, 255, 255, 0.2);
}

.umbpay-currency-code {
	font-weight: 600;
	color: var(--umbpay-accent);
}

/* International Currency section */
.umbpay-currency-section {
	position: relative;
	overflow: hidden;
}

.umbpay-section-icon {
	width: 3rem;
	height: 3rem;
	border-radius: 50%;
	background: var(--umbpay-accent);
	color: var(--umbpay-primary);
	display: inline-flex;
	align-items: center;
	justify-content: center;
	font-size: 1.35rem;
}

.umbpay-section-icon--light {
	background: rgba(196, 253, 94, 0.2);
	color: var(--umbpay-accent);
}

.umbpay-currency-subtitle {
	color: rgba(255, 255, 255, 0.75);
	font-size: 0.95rem;
	margin-top: 0.5rem;
	margin-bottom: 0;
}

.umbpay-currency-section .umbpay-currency-card {
	background: #fff;
	border-radius: 12px;
	padding: 1rem 1.1rem;
	height: 100%;
	display: flex;
	flex-direction: column;
	gap: 0.75rem;
	box-shadow: 0 4px 16px rgba(0, 0, 0, 0.08);
}

.umbpay-currency-card-head {
	display: flex;
	align-items: center;
	gap: 0.65rem;
	flex-wrap: wrap;
}

.umbpay-currency-flag {
	width: 40px;
	height: 28px;
	object-fit: cover;
	border-radius: 4px;
	border: 1px solid #e2ecec;
	flex-shrink: 0;
}

.umbpay-currency-pair {
	font-size: 0.8rem;
	font-weight: 600;
	color: var(--umbpay-primary);
	display: inline-flex;
	align-items: center;
	gap: 0.35rem;
	line-height: 1.2;
}

.umbpay-currency-pair i {
	font-size: 0.75rem;
	color: #64748b;
}

.umbpay-currency-rates {
	display: grid;
	grid-template-columns: 1fr 1fr;
	gap: 0.5rem;
}

.umbpay-currency-rates .label {
	display: block;
	font-size: 0.7rem;
	text-transform: uppercase;
	letter-spacing: 0.04em;
	color: #64748b;
	margin-bottom: 0.15rem;
}

.umbpay-currency-rates strong {
	font-size: 1.1rem;
	color: #0f2d2f;
	font-weight: 700;
	line-height: 1.2;
}

.umbpay-currency-note {
	font-size: 0.8rem;
	color: rgba(255, 255, 255, 0.7);
	margin-bottom: 0;
}

.umbpay-currency-note i {
	margin-right: 0.35rem;
}

@media (max-width: 575px) {
	.umbpay-currency-section .title {
		font-size: 1.35rem !important;
	}

	.umbpay-currency-section .umbpay-currency-card {
		padding: 0.75rem;
	}

	.umbpay-currency-flag {
		width: 32px;
		height: 22px;
	}

	.umbpay-currency-pair {
		font-size: 0.7rem;
	}

	.umbpay-currency-rates strong {
		font-size: 0.95rem;
	}
}

@media (min-width: 1200px) {
	.umbpay-main-nav {
		display: flex;
		flex-wrap: nowrap;
		justify-content: flex-end;
		align-items: center;
		gap: 0.15rem;
	}

	.umbpay-main-nav > li > a {
		font-size: 0.875rem !important;
		padding: 0.4rem 0.55rem !important;
		white-space: nowrap;
	}
}

.umbpay-card-section {
	background: #f8fbfb;
}

.umbpay-card-promo-img {
	border-radius: 12px;
	box-shadow: 0 12px 32px rgba(16, 64, 66, 0.12);
}

.umbpay-card-terms-note {
	font-size: 0.9rem;
	color: #475569;
}

.umbpay-blog-hero-img {
	max-height: 420px;
	object-fit: cover;
}

.cart-menu {
	display: none !important;
}

.umbpay-check-list {
	list-style: none;
	padding: 0;
	margin: 0;
}

.umbpay-check-list li {
	position: relative;
	padding-left: 1.5rem;
	margin-bottom: 0.6rem;
	color: #334155;
}

.umbpay-check-list li::before {
	content: "✓";
	position: absolute;
	left: 0;
	color: var(--umbpay-primary);
	font-weight: 700;
}

.umbpay-business-hero {
	max-height: 400px;
	object-fit: cover;
	width: 100%;
}

/* Loan Products page (price.html) */
.umbpay-loan-product-card {
	background: #fff;
	border: 1px solid #e2ecec;
	border-radius: 12px;
	padding: 1.5rem;
	position: relative;
	display: flex;
	flex-direction: column;
	transition: box-shadow 0.2s ease;
}

.umbpay-loan-product-card:hover {
	box-shadow: 0 8px 24px rgba(16, 64, 66, 0.1);
}

.umbpay-loan-product-card--featured {
	border-color: var(--umbpay-primary);
	box-shadow: 0 4px 20px rgba(16, 64, 66, 0.12);
}

.umbpay-loan-product-badge {
	position: absolute;
	top: 1rem;
	right: 1rem;
	background: var(--umbpay-accent);
	color: var(--umbpay-primary);
	font-size: 0.7rem;
	font-weight: 700;
	padding: 0.2rem 0.5rem;
	border-radius: 4px;
	text-transform: uppercase;
}

.umbpay-loan-product-icon {
	width: 3rem;
	height: 3rem;
	border-radius: 10px;
	background: rgba(16, 64, 66, 0.08);
	color: var(--umbpay-primary);
	display: flex;
	align-items: center;
	justify-content: center;
	font-size: 1.35rem;
	margin-bottom: 1rem;
}

.umbpay-loan-product-title {
	font-size: 1.15rem;
	color: var(--umbpay-primary);
	margin-bottom: 0.5rem;
}

.umbpay-loan-product-desc {
	font-size: 0.9rem;
	color: #475569;
	line-height: 1.55;
	flex-grow: 1;
	margin-bottom: 1rem;
}

.umbpay-loan-product-features {
	list-style: none;
	padding: 0;
	margin: 0 0 1.25rem;
	font-size: 0.85rem;
	color: #334155;
}

.umbpay-loan-product-features li {
	display: flex;
	align-items: flex-start;
	gap: 0.4rem;
	margin-bottom: 0.4rem;
}

.umbpay-loan-product-features i {
	color: var(--umbpay-primary);
	flex-shrink: 0;
	margin-top: 0.15rem;
}

.umbpay-disbursement-flow .umbpay-section-icon {
	display: inline-flex;
}

.umbpay-flow-steps {
	display: flex;
	flex-direction: column;
	gap: 1rem;
}

.umbpay-flow-step {
	display: flex;
	gap: 1rem;
	align-items: flex-start;
	background: rgba(255, 255, 255, 0.06);
	border-radius: 10px;
	padding: 1rem 1.15rem;
}

.umbpay-flow-step--highlight {
	background: rgba(196, 253, 94, 0.12);
	border: 1px solid rgba(196, 253, 94, 0.25);
}

.umbpay-flow-step h4 {
	color: #fff;
	font-size: 1rem;
	margin-bottom: 0.35rem;
}

.umbpay-flow-step p {
	color: rgba(255, 255, 255, 0.8);
	font-size: 0.9rem;
	line-height: 1.55;
}

.umbpay-flow-num {
	flex: 0 0 2rem;
	height: 2rem;
	border-radius: 50%;
	background: var(--umbpay-accent);
	color: var(--umbpay-primary);
	font-weight: 700;
	font-size: 0.85rem;
	display: flex;
	align-items: center;
	justify-content: center;
}

@media (max-width: 767px) {
	.umbpay-loan-product-card {
		padding: 1.15rem;
	}

	.umbpay-flow-step {
		padding: 0.85rem;
	}
}

/* Global button border-radius — 40px + border across the site */
.ht-btn,
a.ht-btn,
button.ht-btn,
.btn-two,
.btn-three,
.btn-four,
.price-btn,
.ht-plan-footer .price-btn,
.umbpay-form-nav .ht-btn,
.umbpay-sidebar-cta .ht-btn,
.quote-btn .ht-btn,
.login-btn .ht-btn,
.subscribe-form button,
.sub-form-3 button,
.footer-one .subscribe-form button,
.umbpay-loan-product-card .ht-btn,
.umbpay-product-card .ht-btn,
.umbpay-loan-products .ht-btn,
.cart-action .btn,
.cart-action a.btn,
.social-use-btn {
	border-radius: var(--umbpay-btn-radius) !important;
	border: var(--umbpay-btn-border) !important;
}

/* Product card CTA — smaller label, same radius & border */
.umbpay-loan-product-card .ht-btn,
.umbpay-product-card .ht-btn {
	font-size: 0.75rem !important;
	font-weight: 600 !important;
	padding: 0.5rem 0.85rem !important;
	min-height: 38px;
	line-height: 1.3 !important;
	text-transform: none !important;
	letter-spacing: 0.01em !important;
	white-space: normal;
}

/* Partner logos — white icon strip at About section base */
.umbpay-about-section {
	position: relative;
}

.umbpay-partners-base {
	margin-top: 0;
	padding: 1.75rem 0 0.5rem;
	border-top: 1px solid rgba(255, 255, 255, 0.12);
	position: relative;
	z-index: 2;
}

.umbpay-partners-marquee {
	overflow: hidden;
	width: 100%;
	mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent);
	-webkit-mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent);
}

.umbpay-partners-marquee__track {
	display: flex;
	width: max-content;
	animation: umbpay-partners-scroll 38s linear infinite;
}

.umbpay-partners-marquee__track:hover {
	animation-play-state: paused;
}

.umbpay-partners-marquee__group {
	display: flex;
	align-items: center;
	gap: 2.5rem;
	padding: 0.75rem 1.25rem;
}

.umbpay-partners-marquee__group img {
	height: 28px;
	width: auto;
	max-width: 100px;
	object-fit: contain;
	flex-shrink: 0;
	filter: brightness(0) invert(1);
	opacity: 0.88;
	transition: opacity 0.25s ease, transform 0.25s ease;
}

.umbpay-partners-marquee__group img:hover {
	opacity: 1;
	transform: scale(1.06);
}

@keyframes umbpay-partners-scroll {
	0% {
		transform: translateX(0);
	}
	100% {
		transform: translateX(-50%);
	}
}

@media (min-width: 992px) {
	.umbpay-partners-marquee__group {
		gap: 3.5rem;
		padding: 0.85rem 2rem;
	}

	.umbpay-partners-marquee__group img {
		height: 32px;
		max-width: 110px;
	}
}

@media (prefers-reduced-motion: reduce) {
	.umbpay-partners-marquee__track {
		animation: none;
		flex-wrap: wrap;
		justify-content: center;
		width: 100%;
	}

	.umbpay-partners-marquee__group[aria-hidden="true"] {
		display: none;
	}

	.umbpay-partners-marquee {
		mask-image: none;
		-webkit-mask-image: none;
	}

	.umbpay-partners-marquee__group {
		flex-wrap: wrap;
		justify-content: center;
		gap: 1.25rem 2rem;
	}
}

/* Legacy carousel partners (other pages) */
.umbpay-partners {
	padding: 1.5rem 0 2rem;
}

.umbpay-partners .brand-item img {
	max-height: 42px;
	width: auto;
	max-width: 160px;
	object-fit: contain;
	filter: brightness(0) invert(1);
	opacity: 0.88;
	transition: opacity 0.2s ease, transform 0.2s ease;
}

.umbpay-partners .brand-item a:hover img {
	opacity: 1;
	transform: scale(1.05);
}

.umbpay-about-section .umbpay-partners .brand-item img {
	filter: brightness(0) invert(1);
}

/* Scroll animations (AOS) */
[data-aos] {
	will-change: transform, opacity;
}

@media (prefers-reduced-motion: reduce) {
	[data-aos] {
		opacity: 1 !important;
		transform: none !important;
		transition: none !important;
	}
}

/* Navbar pill — 45px radius, lemon border, centered */
.theme-main-menu {
	padding-left: 0 !important;
	padding-right: 0 !important;
}

.theme-main-menu .main-header-area {
	border-radius: 45px !important;
	border: 2px solid var(--umbpay-lemon) !important;
	width: calc(100% - 2 * var(--umbpay-page-gutter));
	max-width: 1280px;
	margin-left: auto;
	margin-right: auto;
	background: #ffffff;
	overflow: hidden;
	padding: 12px 24px !important;
}

.theme-main-menu .main-header-area .container-fluid {
	padding-left: 1rem;
	padding-right: 1rem;
	max-width: 100%;
}

.theme-main-menu .main-header-area .row {
	display: flex;
	flex-wrap: nowrap;
	align-items: center;
	justify-content: space-between;
	gap: 0.35rem;
	width: 100%;
	margin: 0;
	min-height: 48px;
}

.theme-main-menu .main-header-area .row > [class*="col-"] {
	flex: 0 0 auto;
	width: auto;
	max-width: none;
	padding-left: 0.25rem;
	padding-right: 0.25rem;
}

.theme-main-menu .main-header-area .row > .col-md-auto.d-lg-inline-block {
	flex: 1 1 auto;
	min-width: 0;
	justify-content: center !important;
	overflow: visible;
}

@media (min-width: 1200px) {
	.theme-main-menu .main-header-area .row {
		position: relative;
		min-height: 48px;
	}

	.theme-main-menu .main-header-area .row > .col-md-auto.d-lg-inline-block {
		flex: 1 1 0;
		min-width: 0;
	}

	.theme-main-menu .main-header-area .main-menu {
		position: absolute;
		left: 50%;
		top: 0;
		bottom: 0;
		transform: translateX(-50%);
		width: max-content;
		max-width: calc(100% - 220px);
		z-index: 1;
		display: flex;
		align-items: center;
	}
}

.theme-main-menu .main-header-area .main-menu {
	width: 100%;
	min-width: 0;
}

.theme-main-menu .main-header-area .umbpay-main-nav {
	display: flex;
	flex-wrap: nowrap;
	justify-content: center;
	align-items: center;
	gap: 0;
	margin: 0;
	padding: 0;
}

.theme-main-menu .main-header-area .umbpay-main-nav > li {
	margin: 0 !important;
	flex-shrink: 1;
}

.theme-main-menu .main-header-area .umbpay-main-nav > li > a {
	padding: 0.45rem 0.3rem !important;
	font-size: 0.72rem !important;
	white-space: nowrap;
}

.theme-main-menu .main-header-area .right-nav {
	gap: 0.35rem;
	flex-shrink: 0;
}

.theme-main-menu .main-header-area .quote-btn .ht-btn.bs-btn {
	padding: 0.45rem 0.85rem !important;
	font-size: 0.7rem !important;
	min-height: 34px !important;
	white-space: nowrap;
}

@media (min-width: 1200px) and (max-width: 1320px) {
	.theme-main-menu .main-header-area .umbpay-main-nav > li > a {
		font-size: 0.65rem !important;
		padding: 0.4rem 0.18rem !important;
	}

	.theme-main-menu .main-header-area .quote-btn .ht-btn.bs-btn {
		padding: 0.38rem 0.6rem !important;
		font-size: 0.65rem !important;
		min-height: 30px !important;
	}

	.theme-main-menu .logo-area img {
		max-height: 34px;
	}
}

@media (min-width: 1321px) and (max-width: 1399px) {
	.theme-main-menu .main-header-area .umbpay-main-nav > li > a {
		font-size: 0.68rem !important;
		padding: 0.4rem 0.22rem !important;
	}
}

.theme-main-menu .logo-area img {
	max-height: 34px;
	width: auto;
}

.theme-main-menu .hamburger-menu {
	border-color: var(--umbpay-lemon) !important;
	flex-shrink: 0;
}

.theme-main-menu .hamburger-menu:hover {
	background: var(--umbpay-lemon) !important;
	border-color: var(--umbpay-lemon) !important;
}

.theme-main-menu .main-header-area.sticky-menu {
	position: fixed;
	left: 0;
	right: 0;
	margin-left: auto;
	margin-right: auto;
	width: calc(100% - 2 * var(--umbpay-page-gutter)) !important;
	max-width: 1280px;
	z-index: 1020;
	border-radius: 45px !important;
	border: 2px solid var(--umbpay-lemon) !important;
	padding: 12px 24px !important;
	box-shadow: 0 8px 30px rgba(16, 64, 66, 0.08);
	animation: none !important;
	top: 0;
}

.theme-main-menu .main-header-area.sticky-menu .row {
	min-height: 48px;
	align-items: center;
}

/* Keep logo visible on scroll — theme variants hide it without a sticky-logo */
.theme-main-menu .main-header-area.sticky-menu .logo-area,
.theme-main-menu .main-header-area.sticky-menu .logo {
	display: block !important;
	visibility: visible !important;
	opacity: 1 !important;
}

.theme-main-menu .main-header-area.sticky-menu .sticky-logo {
	display: none !important;
	visibility: hidden !important;
}

/* Neutralize theme-specific sticky padding / button offsets */
.theme-main-menu .main-header-area.sticky-menu,
.theme-menu-one .sticky-menu,
.theme-menu-six .main-header-area.sticky-menu {
	padding: 12px 24px !important;
	padding-left: 24px !important;
	padding-right: 24px !important;
}

.theme-main-menu .bs-btn,
.theme-menu-one .bs-btn,
.theme-menu-six .bs-btn {
	transform: none !important;
}

@media (min-width: 1400px) {
	.theme-main-menu .main-header-area .umbpay-main-nav > li > a {
		font-size: 0.75rem !important;
		padding: 0.45rem 0.35rem !important;
	}

	.theme-main-menu .logo-area img {
		max-height: 38px;
	}
}

@media (max-width: 1199px) {
	.theme-main-menu .main-header-area {
		padding: 10px 12px !important;
	}

	.theme-main-menu .main-header-area .logo-area img {
		max-height: 36px;
		width: auto;
	}

	.theme-main-menu .hamburger-menu {
		width: 48px;
		height: 48px;
		margin-left: 0.5rem;
	}
}

@media (max-width: 767px) {
	.theme-main-menu .main-header-area {
		border-radius: 35px !important;
		width: calc(100% - 1rem);
		margin-left: auto;
		margin-right: auto;
		padding: 10px 14px !important;
	}

	.theme-main-menu .main-header-area .container-fluid {
		padding-left: 0.5rem;
		padding-right: 0.5rem;
	}

	.umbpay-lang-inner {
		justify-content: flex-end;
		gap: 0.5rem;
	}

	.umbpay-lang-select {
		min-width: 90px;
		max-width: 115px;
		font-size: 0.65rem;
	}
}

/* Hero — aligned with navbar gutter */
.theme-banner-one {
	padding-top: 1.75rem;
	padding-bottom: 2.5rem;
}

.umbpay-hero-corp {
	position: relative;
	overflow: hidden;
	isolation: isolate;
}

.umbpay-hero-england-watermark {
	position: absolute;
	right: 6%;
	top: 50%;
	transform: translateY(-50%);
	width: min(28vw, 220px);
	opacity: 0.09;
	z-index: 0;
	pointer-events: none;
	color: var(--umbpay-primary);
}

.umbpay-hero-england-watermark svg,
.umbpay-hero-england-line {
	display: block;
	width: 100%;
	height: auto;
}

.umbpay-glass-card__decor {
	position: absolute;
	inset: 0;
	z-index: 0;
	pointer-events: none;
	overflow: hidden;
}

.umbpay-glass-card__flag-watermark {
	position: absolute;
	right: 8%;
	top: 42%;
	transform: translateY(-50%);
	width: 48%;
	max-width: 10rem;
	opacity: 0.2;
	color: rgba(16, 64, 66, 0.45);
}

.umbpay-glass-card__flag-line {
	display: block;
	width: 100%;
	height: auto;
}

.umbpay-glass-card__flag-watermark .umbpay-glass-card__flag-line path[stroke="#CE1124"] {
	opacity: 0.65;
}

/* Flip card — UMBPAY brand (inspired by standard 3D card patterns) */
.umbpay-hero-card-wrap {
	width: 100%;
	max-width: 100%;
	margin: 0 auto;
	animation: umbpay-card-float 4.5s ease-in-out infinite;
}

.umbpay-flip-card {
	background-color: transparent;
	width: 100%;
	max-width: 100%;
	aspect-ratio: 1.586 / 1;
	perspective: 1000px;
	color: var(--umbpay-primary);
	outline: none;
}

.umbpay-flip-card__inner {
	position: relative;
	width: 100%;
	height: 100%;
	text-align: left;
	transition: transform 0.75s cubic-bezier(0.4, 0, 0.2, 1);
	transform-style: preserve-3d;
}

.umbpay-flip-card:hover .umbpay-flip-card__inner,
.umbpay-flip-card:focus-within .umbpay-flip-card__inner {
	transform: rotateY(180deg);
}

.umbpay-flip-card__face {
	position: absolute;
	inset: 0;
	display: flex;
	flex-direction: column;
	width: 100%;
	height: 100%;
	-webkit-backface-visibility: hidden;
	backface-visibility: hidden;
	border-radius: 1rem;
	overflow: hidden;
	box-shadow:
		rgba(16, 64, 66, 0.28) 0 2px 4px,
		rgba(16, 64, 66, 0.18) 0 8px 20px -4px,
		rgba(16, 64, 66, 0.12) 0 -1px 0 inset;
}

.umbpay-flip-card__face--back {
	transform: rotateY(180deg);
}

@media (prefers-reduced-motion: reduce) {
	.umbpay-flip-card__inner {
		transition-duration: 0.01ms;
	}

	.umbpay-flip-card:hover .umbpay-flip-card__inner,
	.umbpay-flip-card:focus-within .umbpay-flip-card__inner {
		transform: none;
	}

	.umbpay-hero-card-wrap {
		animation: none;
	}
}

.umbpay-hero-copy {
	display: flex;
	flex-direction: column;
}

.umbpay-hero-actions {
	width: 100%;
	max-width: 100%;
}

.umbpay-hero-visual {
	width: 100%;
	max-width: 100%;
}

.umbpay-hero-card-wrap,
.umbpay-flip-card {
	width: 100%;
	max-width: 100%;
}

.umbpay-hero-corp-bg {
	position: absolute;
	inset: 0;
	z-index: 0;
	background:
		linear-gradient(105deg, rgba(255, 255, 255, 0.94) 0%, rgba(255, 255, 255, 0.82) 42%, rgba(244, 250, 250, 0.88) 100%),
		url('../img/seo/hero-corporate-office.jpg') center center / cover no-repeat;
	pointer-events: none;
}

.umbpay-hero-corp > .container-fluid {
	position: relative;
	z-index: 1;
}

.theme-banner-one > .container-fluid {
	padding-left: calc(var(--umbpay-page-gutter) + 1rem);
	padding-right: calc(var(--umbpay-page-gutter) + 1rem);
}

.theme-banner-one .col-lg-6.order-lg-1 {
	display: flex;
	flex-direction: column;
	justify-content: center;
}

.umbpay-hero-visual {
	position: relative;
	min-height: auto;
	display: flex;
	align-items: center;
	justify-content: center;
	padding: 0.5rem 0;
	width: 100%;
	max-width: 100%;
}

/* Hero card — matches Apply button (lemon + teal border) */
.umbpay-glass-card {
	position: relative;
	aspect-ratio: 1.586 / 1;
	width: 100%;
	height: 100%;
	min-height: 0;
	border-radius: 1rem;
	overflow: hidden;
	background: linear-gradient(145deg, #b8f018 0%, var(--umbpay-lemon) 42%, #c4fd5e 100%);
	border: 1px solid var(--umbpay-primary);
}

.umbpay-glass-card--back {
	background: linear-gradient(155deg, #a8e016 0%, var(--umbpay-lemon) 55%, #b8f018 100%);
	justify-content: flex-start;
	padding: 0;
}

.umbpay-glass-card__shadow {
	position: absolute;
	inset: 0;
	z-index: 0;
	box-shadow: inset 0 -3px 8px rgba(16, 64, 66, 0.1);
	pointer-events: none;
}

.umbpay-glass-card__shine {
	position: absolute;
	inset: 0;
	background: linear-gradient(
		125deg,
		rgba(255, 255, 255, 0.38) 0%,
		rgba(255, 255, 255, 0.06) 36%,
		transparent 55%
	);
	pointer-events: none;
	z-index: 1;
}

.umbpay-glass-card__inner {
	position: relative;
	z-index: 2;
	height: 100%;
	box-sizing: border-box;
	padding: clamp(0.75rem, 2.8vw, 1.15rem) clamp(0.85rem, 3vw, 1.25rem) clamp(0.8rem, 2.6vw, 1.05rem);
	display: flex;
	flex-direction: column;
	justify-content: space-between;
	gap: clamp(0.35rem, 1.5vw, 0.5rem);
	overflow: hidden;
}

.umbpay-glass-card__chip-wrap {
	display: flex;
	align-items: center;
	gap: 0.55rem;
	flex-shrink: 0;
}

.umbpay-glass-card__contactless {
	width: 1.35rem;
	height: 1.35rem;
	color: rgba(16, 64, 66, 0.55);
	flex-shrink: 0;
}

.umbpay-glass-card__top {
	display: flex;
	align-items: flex-start;
	justify-content: space-between;
	gap: 0.75rem;
	flex-shrink: 0;
}

.umbpay-glass-card__brand {
	display: flex;
	flex-direction: column;
	align-items: flex-end;
	gap: 0.35rem;
	min-width: 0;
}

.umbpay-glass-card__type {
	font-size: 0.58rem;
	font-weight: 700;
	letter-spacing: 0.12em;
	text-transform: uppercase;
	color: rgba(16, 64, 66, 0.62);
	white-space: nowrap;
}

.umbpay-glass-card__chip {
	position: relative;
	flex-shrink: 0;
	width: clamp(2.1rem, 7vw, 2.85rem);
	height: clamp(1.5rem, 5vw, 2.05rem);
	border-radius: 5px;
	background: linear-gradient(155deg, #f5e090 0%, #d4af37 38%, #b8942e 62%, #e2c24a 100%);
	border: 1px solid rgba(139, 105, 20, 0.55);
	box-shadow:
		inset 0 1px 2px rgba(255, 255, 255, 0.65),
		inset 0 -2px 4px rgba(80, 60, 10, 0.25),
		0 2px 5px rgba(16, 64, 66, 0.12);
	overflow: hidden;
}

.umbpay-glass-card__chip::before {
	content: "";
	position: absolute;
	inset: 5px 7px;
	border: 1px solid rgba(120, 90, 15, 0.4);
	border-radius: 3px;
	pointer-events: none;
}

.umbpay-glass-card__chip-grid {
	position: absolute;
	inset: 7px 9px;
	border-radius: 2px;
	background:
		linear-gradient(90deg, rgba(120, 90, 15, 0.28) 1px, transparent 1px) 0 0 / 33.33% 100%,
		linear-gradient(rgba(120, 90, 15, 0.22) 1px, transparent 1px) 0 0 / 100% 50%;
}

.umbpay-glass-card__number {
	font-family: Consolas, "Courier New", monospace;
	font-size: clamp(0.78rem, 3.2vw, 1.05rem);
	letter-spacing: 0.1em;
	color: var(--umbpay-primary);
	margin: 0;
	flex-shrink: 0;
	white-space: nowrap;
}

.umbpay-glass-card__footer {
	display: grid;
	grid-template-columns: minmax(0, 1fr) auto;
	align-items: end;
	gap: 0.5rem 0.75rem;
	flex-shrink: 0;
	min-width: 0;
}

.umbpay-glass-card__holder-block {
	display: flex;
	align-items: flex-end;
	gap: clamp(0.35rem, 2vw, 0.65rem);
	min-width: 0;
	overflow: hidden;
}

.umbpay-glass-card__loan-script {
	font-family: 'Great Vibes', 'Brush Script MT', cursive;
	font-size: clamp(1.25rem, 4.8vw, 1.85rem);
	font-weight: 400;
	line-height: 1;
	color: rgba(16, 64, 66, 0.45);
	white-space: nowrap;
	flex-shrink: 0;
	transform: rotate(-7deg);
	transform-origin: left bottom;
	margin-bottom: 0.08rem;
	padding-left: 0.1rem;
}

.umbpay-glass-card__holder {
	min-width: 0;
	overflow: hidden;
	flex: 0 1 auto;
}

.umbpay-glass-card__valid {
	text-align: right;
	flex-shrink: 0;
	white-space: nowrap;
}

.umbpay-glass-card__label {
	display: block;
	font-size: 0.52rem;
	letter-spacing: 0.1em;
	text-transform: uppercase;
	color: rgba(16, 64, 66, 0.58);
	margin-bottom: 0.12rem;
	line-height: 1.2;
}

.umbpay-glass-card__name,
.umbpay-glass-card__date {
	display: block;
	font-size: clamp(0.68rem, 2.2vw, 0.82rem);
	font-weight: 700;
	color: var(--umbpay-primary);
	line-height: 1.2;
	overflow: hidden;
	text-overflow: ellipsis;
	white-space: nowrap;
}

.umbpay-glass-card__logo {
	display: block;
	width: clamp(1.5rem, 5vw, 2rem);
	height: auto;
	flex-shrink: 0;
}

/* Card back face */
.umbpay-glass-card__mag-strip {
	width: 100%;
	height: 18%;
	margin-top: 12%;
	background: repeating-linear-gradient(
		45deg,
		var(--umbpay-primary),
		var(--umbpay-primary) 10px,
		#0a2d2f 10px,
		#0a2d2f 20px
	);
}

.umbpay-glass-card__back-panel {
	display: flex;
	align-items: center;
	gap: 0.65rem;
	padding: 1rem 1.15rem 0.5rem;
}

.umbpay-glass-card__sig-strip {
	flex: 1;
	height: 2rem;
	border-radius: 4px;
	background: rgba(255, 255, 255, 0.88);
	border: 1px solid rgba(16, 64, 66, 0.15);
}

.umbpay-glass-card__cvv {
	flex-shrink: 0;
	min-width: 3rem;
	padding: 0.35rem 0.5rem;
	border-radius: 4px;
	background: rgba(255, 255, 255, 0.92);
	text-align: center;
}

.umbpay-glass-card__cvv-code {
	display: block;
	font-size: 0.75rem;
	font-weight: 700;
	color: var(--umbpay-primary);
	letter-spacing: 0.15em;
}

.umbpay-glass-card__back-note {
	margin: auto 1.15rem 1rem;
	font-size: 0.48rem;
	letter-spacing: 0.08em;
	text-transform: uppercase;
	color: rgba(16, 64, 66, 0.55);
	line-height: 1.4;
	text-align: center;
}

@keyframes umbpay-card-float {
	0%, 100% { transform: translateY(0); }
	50% { transform: translateY(-6px); }
}

@media (min-width: 992px) {
	.umbpay-hero-copy .umbpay-hero-visual {
		justify-content: flex-start;
		text-align: left;
		margin-top: 0.25rem;
	}

	.umbpay-hero-card-wrap {
		max-width: 100%;
		margin-left: 0;
		margin-right: 0;
	}

	.theme-banner-one .umbpay-hero-copy {
		text-align: left;
		align-items: flex-start;
	}
}

@media (max-width: 991px) {
	.theme-banner-one > .container-fluid {
		padding-left: calc(0.5rem + 1rem);
		padding-right: calc(0.5rem + 1rem);
	}

	.theme-banner-one .row {
		row-gap: 1.25rem;
	}

	.theme-banner-one .col-lg-6.order-lg-1 {
		text-align: center;
		align-items: center;
	}

	.theme-banner-one .col-lg-6.order-lg-2 {
		width: 100%;
	}

	.theme-banner-one .umbpay-hero-actions {
		justify-content: center;
		width: 100%;
		max-width: 100%;
	}

	.theme-banner-one .hero-description {
		padding-right: 0 !important;
	}

	.umbpay-hero-copy,
	.umbpay-hero-visual,
	.umbpay-hero-card-wrap,
	.umbpay-flip-card {
		width: 100%;
		max-width: 100%;
		margin-left: auto;
		margin-right: auto;
	}

	.umbpay-hero-copy .umbpay-hero-visual {
		margin-bottom: 0;
		text-align: center;
	}
}

@media (max-width: 575px) {
	.theme-banner-one {
		padding-top: 1.25rem;
		padding-bottom: 1.75rem;
	}

	.umbpay-glass-card__type {
		font-size: 0.5rem;
	}

	.theme-banner-one .main-title {
		font-size: clamp(1.5rem, 7vw, 1.85rem) !important;
	}
}

/* Micro-interactions */
.umbpay-micro-btn,
.ht-btn,
a.ht-btn {
	transition: transform 0.2s ease, box-shadow 0.2s ease, border-color 0.2s ease, background-color 0.2s ease !important;
}

.umbpay-micro-btn:hover {
	transform: translateY(-2px);
	box-shadow: 0 8px 22px rgba(16, 64, 66, 0.18);
}

.umbpay-micro-btn:active {
	transform: translateY(0) scale(0.98);
}

.umbpay-loan-product-card,
.umbpay-product-card,
.blog-one,
.feature-wrap-2,
.service-wrap-2,
.brand-item a,
.umbpay-currency-card {
	transition: transform 0.25s ease, box-shadow 0.25s ease;
}

.umbpay-loan-product-card:hover,
.umbpay-product-card:hover,
.blog-one:hover,
.feature-wrap-2:hover,
.service-wrap-2:hover,
.umbpay-currency-card:hover {
	transform: translateY(-4px);
	box-shadow: 0 12px 28px rgba(16, 64, 66, 0.1);
}

.brand-item a:hover img {
	transform: scale(1.05);
}

.menu-list a,
.umbpay-sidebar-nav a {
	transition: color 0.2s ease, opacity 0.2s ease;
}

.umbpay-stagger-item {
	transform: translateY(12px);
	transition: opacity 0.55s ease, transform 0.55s ease;
	transition-delay: var(--umbpay-stagger, 0ms);
}

.umbpay-stagger-item.umbpay-in-view {
	transform: translateY(0);
}

.js .umbpay-stagger-item:not(.umbpay-in-view) {
	opacity: 0;
}

@media (prefers-reduced-motion: reduce) {
	.umbpay-stagger-item {
		opacity: 1;
		transform: none;
		transition: none;
	}

	.js .umbpay-stagger-item:not(.umbpay-in-view) {
		opacity: 1;
	}

	.umbpay-hero-card-wrap {
		animation: none;
	}
}

/* Speed — avoid content-visibility on sections (breaks layout/slick) */
img[loading="lazy"] {
	decoding: async;
}