/* ================================================
   IBC Registration — Main Stylesheet
   Loaded via plugin on all front-end pages
   ================================================ */

/* ---- Variables ---- */
:root {
  --ibc-primary:    #1a3c6e;
  --ibc-accent:     #e8a020;
  --ibc-green:      #22a06b;
  --ibc-red:        #d94f4f;
  --ibc-light-bg:   #f7f9fc;
  --ibc-border:     #dde3ed;
  --ibc-text:       #1c2b3a;
  --ibc-muted:      #6b7a92;
  --ibc-radius:     10px;
  --ibc-shadow:     0 2px 12px rgba(0,0,0,0.09);
  --ibc-font:       'Inter', 'Segoe UI', sans-serif;
}

/* ================================================
   A-Z DIRECTORY (Homepage)
   ================================================ */
.ibc-az-directory {
  font-family: var(--ibc-font);
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 16px;
}

/* Letter Nav Pills */
.ibc-letter-nav {
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
  margin-bottom: 24px;
  border-bottom: 2px solid var(--ibc-border);
  padding-bottom: 16px;
}

.ibc-letter-btn {
  background: var(--ibc-light-bg);
  border: 1px solid var(--ibc-border);
  border-radius: 6px;
  padding: 6px 14px;
  font-size: 15px;
  font-weight: 700;
  cursor: pointer;
  color: var(--ibc-primary);
  transition: all 0.18s ease;
  font-family: var(--ibc-font);
}

.ibc-letter-btn:hover {
  background: var(--ibc-primary);
  color: #fff;
  border-color: var(--ibc-primary);
}

.ibc-letter-btn.active {
  background: var(--ibc-primary);
  color: #fff;
  border-color: var(--ibc-primary);
}

/* Tab panels */
.ibc-tab-panel {
  display: none;
}
.ibc-tab-panel.active {
  display: block;
  animation: ibc-fadein 0.25s ease;
}

@keyframes ibc-fadein {
  from { opacity: 0; transform: translateY(6px); }
  to   { opacity: 1; transform: translateY(0); }
}

.ibc-letter-heading {
  font-size: 26px;
  font-weight: 800;
  color: var(--ibc-primary);
  margin: 0 0 16px;
  padding-bottom: 8px;
  border-bottom: 3px solid var(--ibc-accent);
  display: inline-block;
}

/* Country Card Grid */
.ibc-country-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(220px, 1fr));
  gap: 16px;
  margin-bottom: 32px;
}

/* Individual Country Card — now an <a> tag so the whole card is clickable */
.ibc-country-card {
  background: #fff;
  border: 1px solid var(--ibc-border);
  border-radius: var(--ibc-radius);
  padding: 18px 16px;
  display: flex;
  flex-direction: column;
  gap: 10px;
  box-shadow: var(--ibc-shadow);
  transition: transform 0.18s ease, box-shadow 0.18s ease;
  /* Reset anchor tag styles */
  text-decoration: none;
  color: inherit;
  cursor: pointer;
}

.ibc-country-card:hover {
  transform: translateY(-3px);
  box-shadow: 0 6px 24px rgba(0,0,0,0.13);
  text-decoration: none;
  color: inherit;
}

.ibc-card--coming-soon {
  opacity: 0.75;
  background: #fafafa;
}

.ibc-card-flag {
  font-size: 32px;
  line-height: 1;
}

.ibc-card-flag img {
  width: 40px;
  height: auto;
  border-radius: 3px;
  border: 1px solid var(--ibc-border);
}

.ibc-card-flag--placeholder {
  font-size: 28px;
}

.ibc-card-body {
  display: flex;
  flex-direction: column;
  gap: 6px;
}

.ibc-card-title {
  font-size: 15px;
  font-weight: 700;
  color: var(--ibc-text);
  margin: 0;
  line-height: 1.3;
}

.ibc-card-cost {
  font-size: 13px;
  color: var(--ibc-muted);
  margin: 0;
}

.ibc-card-cost strong {
  color: var(--ibc-green);
  font-size: 15px;
}

.ibc-card-soon {
  font-size: 12px;
  color: var(--ibc-muted);
  margin: 0;
  font-style: italic;
}

.ibc-badge {
  display: inline-block;
  font-size: 11px;
  font-weight: 600;
  padding: 2px 8px;
  border-radius: 20px;
  border: 1px solid transparent;
}

.ibc-badge--green {
  background: #e6f9f0;
  color: var(--ibc-green);
  border-color: #b3ead1;
}

.ibc-card-btn {
  display: inline-block;
  margin-top: 6px;
  padding: 7px 14px;
  background: var(--ibc-primary);
  color: #fff !important;
  text-decoration: none;
  border-radius: 6px;
  font-size: 13px;
  font-weight: 600;
  text-align: center;
  transition: background 0.18s;
}

.ibc-card-btn:hover {
  background: #0d2950;
}

.ibc-card-btn--outline {
  background: transparent;
  color: var(--ibc-primary) !important;
  border: 1px solid var(--ibc-primary);
}

.ibc-card-btn--outline:hover {
  background: var(--ibc-primary);
  color: #fff !important;
}

/* ================================================
   COUNTRY SINGLE PAGE
   ================================================ */

/* Hero */
.ibc-country-hero {
  display: flex;
  align-items: center;
  gap: 20px;
  padding: 32px 0 24px;
  border-bottom: 2px solid var(--ibc-border);
  margin-bottom: 28px;
  flex-wrap: wrap;
}

.ibc-hero-flag {
  width: 80px;
  height: auto;
  border-radius: 6px;
  border: 1px solid var(--ibc-border);
  box-shadow: var(--ibc-shadow);
}

.ibc-hero-text {
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.ibc-hero-title {
  font-size: 32px;
  font-weight: 800;
  color: var(--ibc-primary);
  margin: 0;
  line-height: 1.2;
}

.ibc-region-badge {
  display: inline-block;
  background: var(--ibc-light-bg);
  color: var(--ibc-primary);
  border: 1px solid var(--ibc-border);
  padding: 3px 12px;
  border-radius: 20px;
  font-size: 13px;
  font-weight: 600;
}

.ibc-status-badge {
  display: inline-block;
  padding: 4px 14px;
  border-radius: 20px;
  font-size: 13px;
  font-weight: 700;
}

.ibc-status-badge--active {
  background: #e6f9f0;
  color: var(--ibc-green);
  border: 1px solid #b3ead1;
}

.ibc-status-badge--soon {
  background: #fff8e6;
  color: #b07c10;
  border: 1px solid #f0d080;
}

/* Stats Bar */
.ibc-stats-bar {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: 14px;
  background: var(--ibc-light-bg);
  border: 1px solid var(--ibc-border);
  border-radius: var(--ibc-radius);
  padding: 20px;
  margin-bottom: 28px;
}

.ibc-stat {
  display: flex;
  align-items: flex-start;
  gap: 10px;
}

.ibc-stat-icon {
  font-size: 22px;
  margin-top: 2px;
  flex-shrink: 0;
}

.ibc-stat-label {
  font-size: 11px;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--ibc-muted);
  font-weight: 600;
  margin-bottom: 2px;
}

.ibc-stat-value {
  font-size: 15px;
  font-weight: 700;
  color: var(--ibc-text);
}

/* Note blocks */
.ibc-note-block {
  background: #eaf1fb;
  border-left: 4px solid var(--ibc-primary);
  border-radius: 0 8px 8px 0;
  padding: 14px 18px;
  margin-bottom: 16px;
  font-size: 14px;
  color: var(--ibc-text);
}

/* Package box */
.ibc-package-box {
  background: #fff;
  border: 2px solid var(--ibc-border);
  border-radius: var(--ibc-radius);
  padding: 24px;
  margin-bottom: 20px;
}

.ibc-package-title {
  font-size: 20px;
  font-weight: 800;
  color: var(--ibc-primary);
  margin: 0 0 16px;
}

.ibc-package-list {
  list-style: none;
  padding: 0;
  margin: 0;
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
  gap: 8px;
}

.ibc-package-list li {
  padding-left: 24px;
  position: relative;
  font-size: 14px;
  color: var(--ibc-text);
  line-height: 1.5;
}

.ibc-package-list li::before {
  content: '✅';
  position: absolute;
  left: 0;
  font-size: 13px;
}

/* Not included */
.ibc-not-included-box {
  background: #fff8f8;
  border: 1px solid #f5c6c6;
  border-radius: var(--ibc-radius);
  padding: 16px 20px;
  margin-bottom: 20px;
  font-size: 14px;
}

.ibc-not-included-box h4 {
  margin: 0 0 8px;
  color: var(--ibc-red);
  font-size: 15px;
}

/* Coming Soon Banner */
.ibc-coming-soon-banner {
  display: flex;
  align-items: flex-start;
  gap: 20px;
  background: linear-gradient(135deg, #f0f4ff, #fff8e6);
  border: 1px solid var(--ibc-border);
  border-radius: var(--ibc-radius);
  padding: 32px;
  margin-bottom: 28px;
  flex-wrap: wrap;
}

.ibc-csb-icon {
  font-size: 48px;
  flex-shrink: 0;
}

.ibc-csb-content h3 {
  font-size: 24px;
  color: var(--ibc-primary);
  margin: 0 0 8px;
}

.ibc-csb-content p {
  color: var(--ibc-muted);
  font-size: 15px;
  margin: 0 0 16px;
}

/* Buttons */
.ibc-btn {
  display: inline-block;
  padding: 13px 28px;
  border-radius: 8px;
  font-size: 16px;
  font-weight: 700;
  text-decoration: none;
  transition: all 0.18s;
  cursor: pointer;
  border: none;
  font-family: var(--ibc-font);
}

.ibc-btn--primary {
  background: var(--ibc-primary);
  color: #fff !important;
}

.ibc-btn--primary:hover {
  background: #0d2950;
  color: #fff !important;
}

.ibc-btn--buy {
  background: var(--ibc-accent);
  color: #fff !important;
}

.ibc-btn--buy:hover {
  background: #c5870f;
  color: #fff !important;
}

.ibc-btn--large {
  padding: 16px 36px;
  font-size: 18px;
}

/* CTA block */
.ibc-cta-block {
  text-align: center;
  padding: 40px 20px;
  background: linear-gradient(135deg, var(--ibc-primary), #0d2950);
  border-radius: var(--ibc-radius);
  margin: 32px 0;
}

.ibc-cta-block .ibc-btn--primary {
  background: var(--ibc-accent);
  color: #fff !important;
  font-size: 18px;
  padding: 16px 40px;
}

.ibc-cta-block .ibc-btn--primary:hover {
  background: #c5870f;
}

.ibc-cta-sub {
  margin-top: 14px;
  color: rgba(255,255,255,0.75);
  font-size: 14px;
}

.ibc-cta-sub a {
  color: #fff;
  text-decoration: underline;
}

/* Related posts */
.ibc-related-posts {
  margin-top: 48px;
  padding-top: 32px;
  border-top: 2px solid var(--ibc-border);
}

.ibc-section-title {
  font-size: 22px;
  font-weight: 800;
  color: var(--ibc-primary);
  margin-bottom: 20px;
}

.ibc-related-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(280px, 1fr));
  gap: 20px;
}

.ibc-related-card {
  display: flex;
  flex-direction: column;
  background: #fff;
  border: 1px solid var(--ibc-border);
  border-radius: var(--ibc-radius);
  overflow: hidden;
  text-decoration: none;
  color: var(--ibc-text);
  transition: transform 0.18s, box-shadow 0.18s;
  box-shadow: var(--ibc-shadow);
}

.ibc-related-card:hover {
  transform: translateY(-3px);
  box-shadow: 0 6px 24px rgba(0,0,0,0.13);
}

.ibc-related-thumb img {
  width: 100%;
  height: 160px;
  object-fit: cover;
  display: block;
}

.ibc-related-body {
  padding: 16px;
}

.ibc-related-body h4 {
  margin: 0 0 8px;
  font-size: 15px;
  font-weight: 700;
  color: var(--ibc-text);
  line-height: 1.4;
}

.ibc-related-date {
  font-size: 12px;
  color: var(--ibc-muted);
}

/* ================================================
   RESPONSIVE
   ================================================ */
@media (max-width: 768px) {
  .ibc-country-grid {
    grid-template-columns: repeat(auto-fill, minmax(160px, 1fr));
  }

  .ibc-hero-title {
    font-size: 24px;
  }

  .ibc-stats-bar {
    grid-template-columns: 1fr 1fr;
  }

  .ibc-package-list {
    grid-template-columns: 1fr;
  }

  .ibc-cta-block .ibc-btn--primary {
    font-size: 15px;
    padding: 13px 24px;
  }
}

@media (max-width: 480px) {
  .ibc-stats-bar {
    grid-template-columns: 1fr;
  }

  .ibc-letter-btn {
    padding: 5px 10px;
    font-size: 13px;
  }
}

/* ================================================
   EMOJI FLAG — Country Cards
   ================================================ */
.ibc-flag-emoji {
  font-size: 32px;
  line-height: 1;
  display: block;
}

.ibc-card-flag {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 52px;
  height: 38px;
  flex-shrink: 0;
}

.ibc-card-flag img {
  width: 40px;
  height: 27px;
  border-radius: 3px;
  object-fit: cover;
  border: 1px solid var(--ibc-border);
}

/* ================================================
   IMMIGRATION OPTIONS SECTION — Country Page
   ================================================ */
.ibc-immigration-section {
  background: var(--ibc-light-bg);
  border: 1px solid var(--ibc-border);
  border-radius: var(--ibc-radius);
  padding: 32px;
  margin: 36px 0;
}

.ibc-immigration-intro {
  color: var(--ibc-muted);
  font-size: 15px;
  margin-bottom: 24px;
}

.ibc-immigration-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 16px;
}

.ibc-immigration-item {
  display: flex;
  align-items: center;
  gap: 14px;
  background: #fff;
  border: 1px solid var(--ibc-border);
  border-radius: 8px;
  padding: 16px 18px;
  transition: border-color 0.15s ease;
}

.ibc-immigration-item.ibc-immigration--available {
  border-left: 4px solid var(--ibc-green);
}

.ibc-immigration-item.ibc-immigration--unavailable {
  opacity: 0.65;
  border-left: 4px solid var(--ibc-border);
}

.ibc-immigration-type-icon {
  font-size: 26px;
  flex-shrink: 0;
  width: 36px;
  text-align: center;
}

.ibc-immigration-info {
  display: flex;
  flex-direction: column;
  gap: 5px;
}

.ibc-immigration-name {
  font-weight: 600;
  font-size: 14px;
  color: var(--ibc-text);
  line-height: 1.3;
}

.ibc-pill {
  display: inline-block;
  font-size: 12px;
  font-weight: 700;
  padding: 3px 10px;
  border-radius: 20px;
  letter-spacing: 0.3px;
}

.ibc-pill--green {
  background: #e6f7ef;
  color: var(--ibc-green);
}

.ibc-pill--gray {
  background: #f0f0f0;
  color: #888;
}

@media (max-width: 700px) {
  .ibc-immigration-grid {
    grid-template-columns: 1fr;
  }
  .ibc-immigration-section {
    padding: 20px 16px;
  }
}

/* ================================================
   IBC FOOTER BAR
   ================================================ */
.ibc-footer-bar {
  background: var(--ibc-primary);
  color: #fff;
  padding: 20px 0;
  width: 100%;
}

.ibc-footer-inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 20px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
}

.ibc-footer-links {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  flex-wrap: wrap;
  gap: 6px 20px;
}

.ibc-footer-links li {
  margin: 0;
}

.ibc-footer-links a {
  color: rgba(255,255,255,0.85);
  text-decoration: none;
  font-size: 14px;
  font-weight: 500;
  transition: color 0.15s ease;
}

.ibc-footer-links a:hover {
  color: var(--ibc-accent);
}

.ibc-footer-copy {
  font-size: 13px;
  color: rgba(255,255,255,0.6);
  margin: 0;
}

@media (max-width: 600px) {
  .ibc-footer-inner {
    flex-direction: column;
    align-items: flex-start;
  }
}

/* ================================================
   SUPPRESS ASTRA FOOTER COMPLETELY
   ================================================ */
.site-footer#colophon,
.site-below-footer-wrap,
.ast-footer-copyright,
footer.site-footer {
  display: none !important;
  visibility: hidden !important;
  height: 0 !important;
  margin: 0 !important;
  padding: 0 !important;
  opacity: 0 !important;
  pointer-events: none !important;
}

/* ================================================
   IMMIGRATION DIRECTORY PAGE
   ================================================ */
.ibc-immi-directory-wrapper {
  max-width: 1200px;
  margin: 0 auto;
  padding: 30px 20px 60px;
}

.ibc-immi-hero {
  text-align: center;
  margin-bottom: 30px;
}

.ibc-immi-hero-title {
  font-size: 2.2rem;
  font-weight: 800;
  color: var(--ibc-primary, #1a3c6e);
  margin-bottom: 12px;
}

.ibc-immi-hero-desc {
  font-size: 16px;
  color: var(--ibc-muted, #555);
  max-width: 750px;
  margin: 0 auto;
  line-height: 1.6;
}

/* Sticky Filter Container */
.ibc-immi-filter-container {
  position: sticky;
  top: 15px;
  z-index: 99;
  background: #ffffff;
  border: 1px solid var(--ibc-border, #dde3ed);
  border-radius: 12px;
  box-shadow: 0 4px 20px rgba(0,0,0,0.08);
  padding: 16px 20px;
  margin-bottom: 32px;
}

.ibc-immi-filter-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 12px;
}

.ibc-immi-filter-title {
  font-weight: 700;
  font-size: 14px;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  color: var(--ibc-primary, #1a3c6e);
}

.ibc-immi-count-badge {
  background: #eef2f7;
  color: var(--ibc-primary, #1a3c6e);
  font-size: 13px;
  font-weight: 600;
  padding: 4px 12px;
  border-radius: 20px;
}

.ibc-immi-pills {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
}

.ibc-immi-pill {
  background: #f4f6fa;
  color: #334155;
  border: 1px solid var(--ibc-border, #dde3ed);
  padding: 8px 14px;
  border-radius: 8px;
  font-size: 14px;
  font-weight: 600;
  cursor: pointer;
  transition: all 0.2s ease;
}

.ibc-immi-pill:hover {
  background: #e2e8f0;
  color: #0f172a;
}

.ibc-immi-pill.active {
  background: var(--ibc-primary, #1a3c6e);
  color: #ffffff;
  border-color: var(--ibc-primary, #1a3c6e);
  box-shadow: 0 2px 8px rgba(26, 60, 110, 0.25);
}

/* Immigration Country Cards Grid */
.ibc-immi-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(320px, 1fr));
  gap: 20px;
}

.ibc-immi-card {
  background: #ffffff;
  border: 1px solid var(--ibc-border, #dde3ed);
  border-radius: 12px;
  padding: 20px;
  box-shadow: 0 2px 10px rgba(0,0,0,0.05);
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  text-decoration: none;
  color: inherit;
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}

.ibc-immi-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 8px 25px rgba(0,0,0,0.12);
  text-decoration: none;
  color: inherit;
}

.ibc-immi-card-top {
  display: flex;
  align-items: center;
  gap: 14px;
  padding-bottom: 14px;
  border-bottom: 1px solid #edf2f7;
  margin-bottom: 14px;
}

.ibc-immi-flag {
  font-size: 32px;
  line-height: 1;
}

.ibc-immi-country-name {
  font-size: 18px;
  font-weight: 700;
  color: var(--ibc-text, #1c2b3a);
  margin: 0 0 4px;
}

.ibc-region-pill {
  font-size: 11px;
  font-weight: 600;
  text-transform: uppercase;
  color: #64748b;
  background: #f1f5f9;
  padding: 2px 8px;
  border-radius: 12px;
}

.ibc-immi-matrix {
  display: flex;
  flex-direction: column;
  gap: 8px;
  margin-bottom: 18px;
}

.ibc-immi-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 6px 8px;
  border-radius: 6px;
  font-size: 13px;
}

.ibc-row--available {
  background: #f0fdf4;
}

.ibc-row--coming_soon {
  background: #fffbeb;
}

.ibc-row--not_available {
  background: #fafafa;
  opacity: 0.65;
}

.ibc-immi-prog-name {
  font-weight: 500;
  color: #334155;
}

.ibc-badge-status {
  font-size: 11px;
  font-weight: 700;
  padding: 2px 8px;
  border-radius: 12px;
}

.ibc-badge-status--yes {
  background: #dcfce7;
  color: #15803d;
}

.ibc-badge-status--soon {
  background: #fef3c7;
  color: #b45309;
}

.ibc-badge-status--no {
  color: #94a3b8;
}

.ibc-immi-card-footer {
  text-align: right;
  border-top: 1px solid #f1f5f9;
  padding-top: 12px;
}

.ibc-card-link-btn {
  font-size: 13px;
  font-weight: 700;
  color: var(--ibc-primary, #1a3c6e);
}

.ibc-immi-empty-box {
  text-align: center;
  padding: 50px 20px;
  background: #f8fafc;
  border: 1px dashed var(--ibc-border, #dde3ed);
  border-radius: 12px;
  max-width: 600px;
  margin: 30px auto;
}

/* ================================================
   OFFSHORE BANKING PAGE
   =============================================== */
.ibc-banking-wrapper {
  max-width: 1200px;
  margin: 0 auto;
  padding: 40px 20px 80px;
  font-family: var(--ibc-font, 'Inter', sans-serif);
}

.ibc-banking-hero {
  text-align: center;
  padding: 40px 20px 50px;
  background: linear-gradient(135deg, #0f274a 0%, #1a3c6e 100%);
  color: #ffffff;
  border-radius: 16px;
  margin-bottom: 50px;
}

.ibc-banking-subheading {
  display: inline-block;
  font-size: 12px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1.5px;
  color: var(--ibc-accent, #e8a020);
  margin-bottom: 12px;
}

.ibc-banking-title {
  font-size: 2.5rem;
  font-weight: 800;
  color: #ffffff;
  margin-bottom: 16px;
}

.ibc-banking-desc {
  font-size: 17px;
  line-height: 1.6;
  max-width: 780px;
  margin: 0 auto 28px;
  color: rgba(255, 255, 255, 0.9);
}

.ibc-banking-cta-row {
  display: flex;
  justify-content: center;
  gap: 16px;
  flex-wrap: wrap;
}

.ibc-banking-features-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
  gap: 24px;
  margin-bottom: 60px;
}

.ibc-banking-feature-card {
  background: #ffffff;
  border: 1px solid var(--ibc-border, #dde3ed);
  border-radius: 12px;
  padding: 26px 22px;
  box-shadow: 0 2px 10px rgba(0,0,0,0.04);
}

.ibc-bf-icon {
  font-size: 36px;
  display: inline-block;
  margin-bottom: 12px;
}

.ibc-banking-feature-card h3 {
  font-size: 18px;
  font-weight: 700;
  color: var(--ibc-primary, #1a3c6e);
  margin-bottom: 8px;
}

.ibc-banking-feature-card p {
  font-size: 14px;
  color: var(--ibc-muted, #6b7a92);
  line-height: 1.6;
  margin: 0;
}

.ibc-bj-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(280px, 1fr));
  gap: 20px;
  margin-bottom: 60px;
}

.ibc-bj-card {
  background: #ffffff;
  border: 1px solid var(--ibc-border, #dde3ed);
  border-radius: 12px;
  padding: 24px 20px;
  position: relative;
  box-shadow: 0 2px 8px rgba(0,0,0,0.04);
}

.ibc-bj-flag {
  font-size: 32px;
  display: inline-block;
  margin-bottom: 10px;
}

.ibc-bj-card h4 {
  font-size: 18px;
  font-weight: 700;
  color: #1e293b;
  margin-bottom: 8px;
}

.ibc-bj-card p {
  font-size: 13px;
  color: #64748b;
  line-height: 1.5;
  margin-bottom: 12px;
}

.ibc-bj-tag {
  display: inline-block;
  font-size: 11px;
  font-weight: 700;
  background: #eef2f7;
  color: var(--ibc-primary, #1a3c6e);
  padding: 3px 8px;
  border-radius: 6px;
}

.ibc-bp-steps {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 24px;
  margin: 30px 0 60px;
}

.ibc-bp-step {
  background: #f8fafc;
  border: 1px solid var(--ibc-border, #dde3ed);
  border-radius: 12px;
  padding: 26px 20px;
  text-align: center;
}

.ibc-step-num {
  display: inline-flex;
  width: 44px;
  height: 44px;
  background: var(--ibc-primary, #1a3c6e);
  color: #ffffff;
  border-radius: 50%;
  align-items: center;
  justify-content: center;
  font-size: 20px;
  font-weight: 800;
  margin-bottom: 16px;
}

.ibc-bp-step h4 {
  font-size: 16px;
  font-weight: 700;
  color: #0f172a;
  margin-bottom: 8px;
}

.ibc-bp-step p {
  font-size: 13px;
  color: #64748b;
  line-height: 1.5;
  margin: 0;
}

.ibc-banking-bottom-banner {
  background: #f1f5f9;
  border-radius: 16px;
  padding: 40px 30px;
  text-align: center;
}

.ibc-banking-bottom-banner h3 {
  font-size: 1.8rem;
  font-weight: 800;
  color: var(--ibc-primary, #1a3c6e);
  margin-bottom: 10px;
}

.ibc-banking-bottom-banner p {
  font-size: 15px;
  color: #475569;
  max-width: 650px;
  margin: 0 auto 24px;
}