/* ==========================================================================
   MidBank — Institutional light theme (2026-09-15)
   White-predominant surfaces, near-black header/footer, navy primary,
   MidBank red as a sparse accent. Loaded LAST; overrides only, no new copy.
   Palette sampled from images/midbank-logo-color.png.
   ========================================================================== */

:root{
  --mb-red:#DD1726; --mb-red-dark:#B5121F;
  --mb-navy:#2C2E83; --mb-navy-dark:#1E2160; --mb-navy-light:#4A4DA8; --mb-navy-deep:#0E3350;
  --mb-ink:#0E1526; --mb-header:#0B0B14;
  --mb-body:#454C5C; --mb-muted:#6B7280;
  --mb-line:#E3E6EC; --mb-line-strong:#CFD5DF; --mb-soft:#F6F7F9;
}

/* ---------- Base surface ------------------------------------------------ */
html{background:#fff;}
body{
  background:#fff;
  color:var(--mb-ink);
  -webkit-font-smoothing:antialiased;
}
body::before,body::after{display:none !important;}

h1,h2,h3,h4,h5,h6{color:var(--mb-ink);}
p,li,dd,td{color:var(--mb-body);}
small{color:var(--mb-muted);}

a{color:var(--mb-navy);}
a:hover{color:var(--mb-navy-dark);}

hr{border:0;border-top:1px solid var(--mb-line);}

::selection{background:rgba(44,46,131,.14);color:var(--mb-ink);}

/* Focus — visible on white */
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,
textarea:focus-visible,[tabindex]:focus-visible{
  outline:2px solid var(--mb-navy);
  outline-offset:2px;
  border-radius:3px;
}

/* ---------- Header / nav: stays near-black ------------------------------ */
.mb-nav-header,.nav{
  background:var(--mb-header) !important;
  border-bottom:1px solid rgba(255,255,255,.10);
  backdrop-filter:none;
}
.mb-nav-header a,.nav a,.nav .nav-link{color:rgba(255,255,255,.86);}
.nav .nav-link:hover,.mb-nav-header a:hover{color:#fff;}
/* The mega-panel is a WHITE institutional sheet (2026-09-15) — it is no
   longer part of the dark chrome, so none of the near-black nav overrides
   below may reach inside it. Typography and colour live in mb-nav.css. */
.mb-nav-panel{background:#fff !important;}
.mb-nav-panel-inner{background:transparent !important;}
.mb-nav-panel a,.mb-nav-item{color:inherit;}
.mb-nav-group-label{letter-spacing:.14em;}
.mb-nav-cta,.nav .nav-btn,.mb-nav-header .nav-btn{
  background:var(--mb-navy) !important;
  background-image:none !important;
  color:#fff !important;
  border-radius:4px;
  box-shadow:none !important;
}
.mb-nav-cta:hover,.nav .nav-btn:hover,.mb-nav-header .nav-btn:hover{
  background:var(--mb-navy-dark) !important;transform:none !important;
}
/* .nav-btn is reused as an in-page primary button on several pages:
   red stays the header accent, in-page primaries are navy. */
.nav-btn{
  display:inline-flex;align-items:center;justify-content:center;gap:.5rem;
  background:var(--mb-navy) !important;background-image:none !important;
  color:#fff !important;border:1px solid var(--mb-navy) !important;
  border-radius:4px !important;box-shadow:none !important;
}
.nav-btn:hover{background:var(--mb-navy-dark) !important;border-color:var(--mb-navy-dark) !important;transform:none !important;}
.mb-nav-header .mb-nav-login{color:rgba(255,255,255,.82) !important;}
.nav-dropdown-content,.nav-mega{
  background:var(--mb-header) !important;
  border:1px solid rgba(255,255,255,.12) !important;
  border-radius:6px;
  box-shadow:0 20px 44px rgba(0,0,0,.35);
}
.nav-mega-heading{color:rgba(255,255,255,.55) !important;}
.nav-dropdown-content a{color:rgba(255,255,255,.85) !important;}
.nav-dropdown-content a:hover{background:rgba(255,255,255,.08) !important;color:#fff !important;transform:none !important;}
.nav-toggle span,.mb-nav-toggle span{background:#fff;}

/* Body content must clear the fixed header */
body{padding-top:0;}

/* ---------- Kill the purple/indigo atmosphere --------------------------- */
.gradient-orb,.orb-1,.orb-2,.orb-3,.particles,.particle,
.shimmer,.glow-border,.cinematic-blur::before,.hero::before,
.security-shield,.shield-layer{display:none !important;}

.gradient-text,.shine-text{
  background:none !important;
  -webkit-text-fill-color:var(--mb-navy) !important;
  color:var(--mb-navy) !important;
}

/* ---------- Hero -------------------------------------------------------- */
.hero{
  min-height:auto;
  background:#fff;
  padding:clamp(120px,14vw,168px) 0 clamp(56px,7vw,88px);
  border-bottom:1px solid var(--mb-line);
}
.hero-background{background:#fff;}
.hero-background::after{opacity:.10;filter:grayscale(.35) contrast(.92);}
.hero-title,.hero h1{color:var(--mb-ink);}
.hero-description,.hero p{color:var(--mb-body);}
.hero-badge,.section-badge{
  background:#fff;
  border:1px solid var(--mb-line-strong);
  color:var(--mb-navy);
  border-radius:3px;
  letter-spacing:.10em;
  text-transform:uppercase;
  font-size:.72rem;
}
.badge-dot{background:var(--mb-navy);}
.hero-scroll,.scroll-indicator{color:var(--mb-muted);}

/* ---------- Sections ---------------------------------------------------- */
section{background:transparent;}
.services,.testimonials,.trust-section,.brands-section,.platform,.story-section{background:#fff;}
.features,.security,.enterprise-stats{background:var(--mb-soft);border-block:1px solid var(--mb-line);}
.section-title{color:var(--mb-ink);}
.section-description{color:var(--mb-body);}

/* ---------- Cards: hairline, not glow ----------------------------------- */
.feature-card,.service-card,.testimonial-card,.luxury-card,.dashboard-card,
.stat-block,.story-stats-card,.glass-effect,.balance-card,.platform-screen,
.transaction-item,.stat-block-luxury{
  background:#fff !important;
  border:1px solid var(--mb-line) !important;
  border-radius:6px !important;
  box-shadow:none !important;
  backdrop-filter:none !important;
}
.feature-card:hover,.service-card:hover,.testimonial-card:hover,.luxury-card:hover,
.stat-block:hover,.story-stat:hover{
  border-color:var(--mb-line-strong) !important;
  box-shadow:0 8px 24px -12px rgba(14,21,38,.22) !important;
  transform:translateY(-2px) !important;
}
.feature-title,.service-title,.card-value,.stat-value,.stat-number,
.story-stat-number,.balance-amount,.premium-counter,.luxury-heading{color:var(--mb-ink) !important;}
.feature-description,.service-description,.testimonial-text,.card-label,
.stat-label,.stat-detail,.story-stat-label,.balance-label,.transaction-date{color:var(--mb-body) !important;}

/* Stat rows: navy numerals on white */
.stat-number,.stat-value,.story-stat-number,.premium-counter{
  color:var(--mb-navy) !important;
  font-family:var(--font-display,'Playfair Display',Georgia,serif);
}
.stat-divider{background:var(--mb-line);}

.feature-icon,.service-icon,.card-icon,.stat-icon,.platform-feature-icon,.author-avatar{
  background:rgba(44,46,131,.07) !important;
  background-image:none !important;
  color:var(--mb-navy) !important;
  border:1px solid rgba(44,46,131,.14) !important;
  border-radius:5px !important;
  box-shadow:none !important;
}
.card-icon.success,.transaction-icon.success{background:rgba(15,123,84,.09) !important;color:#0F7B54 !important;border-color:rgba(15,123,84,.18) !important;}

.feature-link,.service-link{color:var(--mb-navy) !important;}
.feature-link:hover,.service-link:hover{color:var(--mb-navy) !important;}

.testimonial-rating{color:var(--mb-navy);}
.author-name{color:var(--mb-ink) !important;}
.author-title{color:var(--mb-muted) !important;}

/* ---------- Buttons ----------------------------------------------------- */
.btn,.btn-premium{border-radius:4px;font-weight:600;letter-spacing:.01em;}
.btn-primary,.btn-premium{
  background:var(--mb-navy) !important;
  background-image:none !important;
  color:#fff !important;
  border:1px solid var(--mb-navy) !important;
  box-shadow:none !important;
}
.btn-primary:hover,.btn-premium:hover{
  background:var(--mb-navy-dark) !important;
  border-color:var(--mb-navy-dark) !important;
  transform:none !important;box-shadow:none !important;
}
.btn-premium::before{display:none !important;}
.btn-secondary{
  background:#fff !important;
  color:var(--mb-navy) !important;
  border:1px solid var(--mb-line-strong) !important;
  box-shadow:none !important;
}
.btn-secondary:hover{
  background:var(--mb-soft) !important;
  border-color:var(--mb-navy) !important;
  color:var(--mb-navy) !important;
  transform:none !important;
}

/* ---------- Trust / brand tiles (keep white tiles) ---------------------- */
.trust-section{background:#fff;border-block:1px solid var(--mb-line);}
.trust-text,.brands-title{color:var(--mb-muted) !important;}
.trust-logo{filter:none;opacity:.75;}
.trust-logo:hover{opacity:1;}
.brand-tile{background:#fff !important;border:1px solid var(--mb-line) !important;box-shadow:none !important;}

/* ---------- Dark feature bands (kept, restyled navy/ink) ---------------- */
.cta-section,.midpay-section{
  background:var(--mb-navy-dark) !important;
  background-image:none !important;
  border-block:0;
}
.cta-section::before,.midpay-section::before{display:none !important;}
.cta-title,.cta-description,.midpay-title,.midpay-subtitle,
.cta-section h2,.cta-section p,.midpay-section h2,.midpay-section p,
.midpay-details p,.midpay-cta-text{color:#fff !important;}
.cta-description,.midpay-subtitle{color:rgba(255,255,255,.80) !important;}
.cta-section .btn-primary{background:#fff !important;color:var(--mb-navy-dark) !important;border-color:#fff !important;}
.cta-section .btn-primary:hover{background:#F0F1F6 !important;color:var(--mb-navy-dark) !important;}
.cta-section .btn-secondary{background:transparent !important;color:#fff !important;border-color:rgba(255,255,255,.45) !important;}
.cta-section .btn-secondary:hover{background:rgba(255,255,255,.10) !important;color:#fff !important;}

/* ---------- Footer: near-black ------------------------------------------ */
.footer{
  background:var(--mb-header) !important;
  background-image:none !important;
  border-top:3px solid var(--mb-red);
  color:rgba(255,255,255,.72);
}
.footer h1,.footer h2,.footer h3,.footer h4,.footer-heading{color:#fff !important;}
.footer p,.footer-description,.footer-text,.footer-copyright,
.footer-copyright-main,.footer-disclaimer,.footer-license{color:rgba(255,255,255,.66) !important;}
.footer-link,.legal-link{color:rgba(255,255,255,.72) !important;}
.footer-link:hover,.legal-link:hover{color:#fff !important;}
.footer-bottom{border-top:1px solid rgba(255,255,255,.12) !important;}
.social-link{background:rgba(255,255,255,.08) !important;color:#fff !important;border:1px solid rgba(255,255,255,.14) !important;}
.social-link:hover{background:var(--mb-navy) !important;border-color:var(--mb-navy) !important;}

/* ---------- Forms ------------------------------------------------------- */
input,select,textarea{
  background:#fff;
  color:var(--mb-ink);
  border:1px solid var(--mb-line-strong);
  border-radius:4px;
}
input::placeholder,textarea::placeholder{color:#9AA1AE;}
input:focus,select:focus,textarea:focus{border-color:var(--mb-navy);box-shadow:0 0 0 3px rgba(44,46,131,.12);outline:none;}
label,.form-label{color:var(--mb-ink);}

/* Application wizard (home page + apply) */
.wizard,.form-wizard,.wizard-card,.wizard-step,.fw-card,.fw-panel{
  background:#fff !important;
  border:1px solid var(--mb-line) !important;
  box-shadow:none !important;
  color:var(--mb-ink) !important;
}
.wizard h1,.wizard h2,.wizard h3,.form-wizard h1,.form-wizard h2,.form-wizard h3{color:var(--mb-ink) !important;}
.wizard p,.form-wizard p,.wizard label,.form-wizard label{color:var(--mb-body) !important;}
.wizard-progress,.fw-progress{background:var(--mb-line) !important;}
.wizard-progress-bar,.fw-progress-bar,.fw-progress > span{background:var(--mb-navy) !important;}

/* ---------- Tables ------------------------------------------------------ */
table{border-collapse:collapse;width:100%;}
th{background:var(--mb-soft);color:var(--mb-ink);border:1px solid var(--mb-line);}
td{border:1px solid var(--mb-line);color:var(--mb-body);}

/* ---------- Motion: restrained ------------------------------------------ */
.fade-in-scroll{opacity:1 !important;transform:none !important;}
@media (prefers-reduced-motion:reduce){
  *,*::before,*::after{animation-duration:.01ms !important;transition-duration:.01ms !important;}
}

/* ---------- Overflow guard --------------------------------------------- */
html,body{overflow-x:hidden;max-width:100%;}
img,svg,video,iframe,table,pre{max-width:100%;}

@media (max-width:480px){
  .container{padding-left:1.25rem;padding-right:1.25rem;}
}

/* ---------- No-JS safety: never leave content invisible ----------------- */
.animate-on-scroll,.reveal,.fade-up,[data-animate]{opacity:1 !important;transform:none !important;}

/* ---------- Display headings: solid ink, no gradient fill ---------------- */
.luxury-heading,.shine-text,.gradient-text,.gradient-text-animate,.premium-counter{
  background:none !important;background-image:none !important;
  -webkit-background-clip:border-box !important;background-clip:border-box !important;
  -webkit-text-fill-color:currentColor !important;
  animation:none !important;
}
.luxury-heading{color:var(--mb-ink) !important;}
.hero-title{color:var(--mb-ink) !important;}
.hero-title .gradient-text,.hero-title .shine-text{color:var(--mb-navy) !important;}
.section-title .gradient-text,h2 .gradient-text,h2 .shine-text{color:var(--mb-navy) !important;}
.premium-counter,.counter{color:var(--mb-navy) !important;}
.section-divider{background:var(--mb-line) !important;}
.section-divider::before{background:var(--mb-navy) !important;width:5px;height:5px;border-radius:50%;}

/* ---------- Client transformation stories: white band ------------------- */
.transformations-section{
  background:var(--mb-soft) !important;
  background-image:none !important;
  min-height:auto !important;
  padding:clamp(56px,7vw,92px) 0 !important;
  border-block:1px solid var(--mb-line);
}
.transformations-section::before{display:none !important;}
.transformations-grid{gap:28px !important;margin:48px 0 !important;}
.transformation-card{
  background:#fff !important;background-image:none !important;
  border:1px solid var(--mb-line) !important;
  border-radius:8px !important;
  gap:32px !important;
  box-shadow:none !important;
}
.transformation-card::before{display:none !important;}
.transformation-card:hover{
  border-color:var(--mb-line-strong) !important;
  box-shadow:0 10px 28px -14px rgba(14,21,38,.20) !important;
  transform:none !important;
}
.transformation-title{color:var(--mb-ink) !important;}
.transformation-description,.transformation-meta,.cta-note{color:var(--mb-body) !important;}
.client-info strong{color:var(--mb-ink) !important;}
.client-info span{color:var(--mb-muted) !important;}
.stat-badge,.service-badge{
  background:#fff !important;background-image:none !important;
  border:1px solid var(--mb-line-strong) !important;
  color:var(--mb-navy) !important;
  border-radius:3px !important;
}
.video-placeholder{
  background:var(--mb-soft) !important;background-image:none !important;
  border:1px solid var(--mb-line) !important;
}
.video-placeholder i,.video-placeholder p{color:var(--mb-muted) !important;}
.transformations-cta h3{color:var(--mb-ink) !important;}

/* ---------- Glass / premium leftovers ----------------------------------- */
.glass-effect{
  background:#fff !important;
  border:1px solid var(--mb-line) !important;
  backdrop-filter:none !important;-webkit-backdrop-filter:none !important;
  box-shadow:none !important;
}
.hover-glow:hover{box-shadow:0 8px 24px -14px rgba(14,21,38,.25) !important;}
.hover-shine::before{display:none !important;}
.skeleton{background:var(--mb-soft) !important;}
.progress-bar{background:var(--mb-line) !important;}
.progress-bar::after{background:var(--mb-navy) !important;}

/* ---------- Security / platform bands ----------------------------------- */
.security,.platform{background:var(--mb-soft) !important;background-image:none !important;}
.security-feature,.platform-feature{color:var(--mb-body) !important;}
.security-feature i,.platform-feature i{color:var(--mb-navy) !important;}
.platform-feature-content h4{color:var(--mb-ink) !important;}
.platform-feature-content p{color:var(--mb-body) !important;}
.screen-header{background:var(--mb-soft) !important;border-bottom:1px solid var(--mb-line) !important;}
.screen-body{background:#fff !important;}
.quick-actions .action-btn{background:#fff !important;border:1px solid var(--mb-line) !important;color:var(--mb-navy) !important;}
.action-btn:hover{background:var(--mb-soft) !important;}
.transaction-name{color:var(--mb-ink) !important;}
.transaction-amount{color:var(--mb-ink) !important;}
.transaction-amount.positive,.balance-change.positive{color:#0F7B54 !important;}

/* ---------- Story section ----------------------------------------------- */
.story-section{background:#fff !important;background-image:none !important;}
.story-paragraph,.story-text{color:var(--mb-body) !important;}
.story-paragraph strong{color:var(--mb-ink) !important;}
.story-tagline{color:var(--mb-navy) !important;}

/* ---------- Tipping App band: keep dark, brand it ----------------------- */
#midbank-app{
  background:var(--mb-header) !important;
  border-top:1px solid rgba(255,255,255,.08) !important;
  border-bottom:3px solid var(--mb-navy) !important;
}
#midbank-app .mbk-app-blob{display:none !important;}
#midbank-app h1,#midbank-app h2,#midbank-app h3,#midbank-app strong{color:#fff !important;}
#midbank-app p,#midbank-app li{color:rgba(255,255,255,.74) !important;}

/* ---------- No-JS safety: nothing stays invisible ----------------------- */
.animate-on-scroll,.animate-on-scroll.fade-up,.animate-on-scroll.fade-left,
.animate-on-scroll.fade-right,.animate-on-scroll.scale,
.reveal,.fade-in-scroll,.testimonial-card,.feature-card,.service-card,
.transformation-card,[data-animate],[data-aos]{
  opacity:1 !important;
  transform:none !important;
  visibility:visible !important;
}

/* ---------- Brand tiles: white tiles preserved -------------------------- */
.brands-section{background:#fff !important;border-block:1px solid var(--mb-line);}
.brand-tile img{filter:none !important;opacity:1 !important;}

/* Great Brands row: tiles must read as tiles on the white section */
.brand-logo{
  background:#F6F7F9 !important;
  border:1px solid #E6E8EF !important;
  border-radius:14px !important;
  padding:1.25rem 1.5rem !important;
  box-shadow:none !important;
}
.brand-logo:hover{
  transform:none !important;
  background:#fff !important;
  border-color:var(--mb-line-strong) !important;
  box-shadow:0 8px 22px -14px rgba(14,21,38,.22) !important;
}
.brand-tile{
  background:#fff !important;
  border:0 !important;
  border-radius:8px !important;
  box-shadow:none !important;
}
.brands-grid{
  grid-template-columns:repeat(2,minmax(0,180px)) !important;
  justify-content:center !important;
  gap:1.25rem !important;
}
@media (min-width:600px){.brands-grid{grid-template-columns:repeat(3,minmax(0,180px)) !important;gap:1.5rem !important;}}
@media (min-width:900px){.brands-grid{grid-template-columns:repeat(4,minmax(0,190px)) !important;}}
@media (max-width:480px){
  .brands-grid{grid-template-columns:repeat(2,minmax(0,1fr)) !important;gap:1rem !important;}
  .brand-logo{min-width:0 !important;padding:1rem !important;}
}
.brands-title{color:var(--mb-ink) !important;font-style:normal !important;}

/* ==========================================================================
   Product / service page template (page-hero · page-section · feature-card ·
   step-card · info-list · final-cta) and its per-page variants.
   These pages shipped as dark-only inline <style> blocks; flipped here.
   ========================================================================== */

.page-hero,.portal-hero,.re-hero,.edu-hero,.ac-hero,.eg-hero,.ml-hero,.c-hero{
  background:var(--mb-soft) !important;
  background-image:none !important;
  border-bottom:1px solid var(--mb-line) !important;
  padding-top:clamp(112px,13vw,150px) !important;
}
.page-hero h1,.portal-hero h1,.re-hero h1,.edu-hero h1,.ac-hero h1,.eg-hero h1,
.ml-hero h1,.c-hero h1{color:var(--mb-ink) !important;}
.page-hero p,.portal-hero p,.re-hero p,.edu-hero p,.ac-hero p,.eg-hero p,
.ml-hero p,.c-hero p{color:var(--mb-body) !important;}
.page-hero h1 .grad,.page-hero .grad,h1 .grad,h2 .grad{
  background:none !important;background-image:none !important;
  -webkit-background-clip:border-box !important;background-clip:border-box !important;
  -webkit-text-fill-color:var(--mb-navy) !important;color:var(--mb-navy) !important;
}
.page-hero .breadcrumb{color:var(--mb-muted) !important;}
.page-hero .breadcrumb a{color:var(--mb-navy) !important;}
.page-hero .breadcrumb a:hover{color:var(--mb-navy) !important;}

/* Section shells */
.page-section,.portal-section,.re-section,.edu-section,.ac{
  border-top:1px solid var(--mb-line) !important;
  background:#fff;
}
.page-section-head h2,.portal-section-head h2,.re-section-head h2,
.edu-section h2,.ac h2,.ac-alt h2{color:var(--mb-ink) !important;}
.page-section-head p,.portal-section-head p,.re-section-head p{color:var(--mb-body) !important;}
.edu-section strong{color:var(--mb-ink) !important;}

/* Cards */
.feature-card,.step-card,.portal-feature-card,.gateway-card,.loan-card,
.why-card,.crypto-embed-frame,.cta-box,.eligibility-stat,.ac-row{
  background:#fff !important;background-image:none !important;
  border:1px solid var(--mb-line) !important;
  border-radius:6px !important;
  backdrop-filter:none !important;
  box-shadow:none !important;
}
.feature-card:hover,.step-card:hover,.portal-feature-card:hover,
.loan-card:hover,.why-card:hover,.gateway-card:hover{
  transform:none !important;
  border-color:var(--mb-line-strong) !important;
  box-shadow:0 8px 22px -14px rgba(14,21,38,.22) !important;
}
.feature-card h3,.step-card h3,.portal-feature-card h3,.gateway-card h3,
.loan-card h3,.why-card h3,.ac-row h4{color:var(--mb-ink) !important;}
.feature-card p,.step-card p,.portal-feature-card p,.gateway-card p,
.loan-card p,.why-card p,.crypto-embed-frame p,.crypto-embed-frame small,
.cta-box p{color:var(--mb-body) !important;}

/* Icon chips + numerals */
.feature-card .icon,.portal-feature-icon,.loan-icon,.why-card .why-icon,
.pillar-icon,.step-num,.mb-author .ic{
  background:rgba(44,46,131,.07) !important;background-image:none !important;
  color:var(--mb-navy) !important;
  border:1px solid rgba(44,46,131,.16) !important;
  border-radius:5px !important;
}
.step-num{border-radius:50% !important;}

/* Lists / terms */
.info-list li,.loan-terms li{
  background:var(--mb-soft) !important;
  border-left:3px solid var(--mb-navy) !important;
  color:var(--mb-body) !important;
  border-radius:0 4px 4px 0 !important;
}
.info-list li strong,.loan-terms li strong{color:var(--mb-ink) !important;}
.eligibility-stat .label,.eligibility-stat .sub{color:var(--mb-muted) !important;}
.eligibility-stat .value{color:var(--mb-navy) !important;}
.price-strip,.tier-flag,.stat{
  background:#fff !important;background-image:none !important;
  border:1px solid var(--mb-line-strong) !important;
  color:var(--mb-navy) !important;
  border-radius:3px !important;
}
.disclaimer{color:var(--mb-muted) !important;}
table.enr th{background:var(--mb-soft) !important;color:var(--mb-ink) !important;}

/* Buttons on these pages */
.btn-pink,.ac-btn,.edu-cta a,.ac-cta a{
  background:var(--mb-navy) !important;background-image:none !important;
  color:#fff !important;border:1px solid var(--mb-navy) !important;
  border-radius:4px !important;
}
.btn-pink:hover,.ac-btn:hover{
  background:var(--mb-navy-dark) !important;transform:none !important;filter:none !important;
}
.btn-ghost,.btn.ghost,.ac-alt a{
  background:#fff !important;background-image:none !important;
  color:var(--mb-navy) !important;
  border:1px solid var(--mb-line-strong) !important;
  border-radius:4px !important;
}
.btn-ghost:hover,.btn.ghost:hover{background:var(--mb-soft) !important;border-color:var(--mb-navy) !important;}

/* Closing CTA bands: navy, white type */
.final-cta,.portal-final-cta,.re-final-cta,.ac-cta,.edu-cta,.eg-cta{
  background:var(--mb-navy-dark) !important;
  background-image:none !important;
  border-top:0 !important;
}
.final-cta h2,.portal-final-cta h2,.re-final-cta h2,.ac-cta h2,.edu-cta h2,.eg-cta h2{color:#fff !important;}
.final-cta p,.portal-final-cta p,.re-final-cta p,.ac-cta p,.edu-cta p,.eg-cta p{color:rgba(255,255,255,.80) !important;}
.final-cta .btn-pink,.portal-final-cta .btn-pink,.re-final-cta .btn-pink,
.ac-cta a,.edu-cta a{background:#fff !important;color:var(--mb-navy-dark) !important;border-color:#fff !important;}
.final-cta .btn-ghost,.portal-final-cta .btn-ghost,.re-final-cta .btn-ghost{
  background:transparent !important;color:#fff !important;border-color:rgba(255,255,255,.45) !important;
}
.final-cta .disclaimer{color:rgba(255,255,255,.60) !important;}

/* Section alternation for readability */
.page-section:nth-of-type(even),.re-section:nth-of-type(even){background:var(--mb-soft);}

/* Misc leftovers */
.gateway-logo{color:var(--mb-navy) !important;}
.slow-state h2{color:var(--mb-ink) !important;}
.redirect-link{color:var(--mb-navy) !important;}
.topbar{background:var(--mb-header) !important;}

/* ==========================================================================
   App shells — auth (login/signup/acceso/auth-callback) and dashboard/admin.
   Structure and Clerk mounting untouched; surfaces only.
   ========================================================================== */
:root{
  --dash-bg:#F6F7F9;
  --dash-panel:#ffffff;
  --dash-border:#E3E6EC;
  --dash-border-strong:#CFD5DF;
  --dash-text:#0E1526;
  --dash-muted:#6B7280;
  --dash-accent:#2C2E83;
}
body.dashboard-body,body.auth-body{
  background:var(--mb-soft) !important;
  background-image:none !important;
  color:var(--mb-ink) !important;
}
.auth-shell,.dashboard-shell{background:transparent;}
.auth-card,.dash-panel,.dash-card,.admin-card,.card{
  background:#fff !important;
  border:1px solid var(--mb-line) !important;
  border-radius:8px !important;
  backdrop-filter:none !important;-webkit-backdrop-filter:none !important;
  box-shadow:none !important;
  color:var(--mb-ink) !important;
}
.auth-card h1,.auth-card h2,.auth-card p,.auth-card label{color:var(--mb-ink) !important;}
.auth-card p,.auth-gate{color:var(--mb-body) !important;}
.auth-gate .auth-spinner{border-color:var(--mb-line) !important;border-top-color:var(--mb-navy) !important;}
.dash-sidebar,.dash-topbar,.admin-topbar{
  background:#fff !important;
  border-color:var(--mb-line) !important;
  color:var(--mb-ink) !important;
}
.dash-sidebar a,.dash-nav a,.dash-bottombar a{color:var(--mb-body) !important;}
.dash-sidebar a.is-active,.dash-nav a.is-active,.dash-bottombar a.is-active{
  color:var(--mb-navy) !important;background:rgba(44,46,131,.07) !important;
}
.dashboard-body table th,.admin-table th{background:var(--mb-soft) !important;color:var(--mb-ink) !important;}
.dashboard-body table td,.admin-table td{color:var(--mb-body) !important;border-color:var(--mb-line) !important;}
.dashboard-body h1,.dashboard-body h2,.dashboard-body h3{color:var(--mb-ink) !important;}
/* Clerk widget stays on its own light default */
.cl-rootBox,.cl-card{box-shadow:none !important;}

/* App-shell nav states + logo sizing on light chrome */
.dash-logo img,.topbar .logo img,.nav-logo .logo-image{height:34px;width:auto;}
.dash-nav-item,.dash-sidebar-link,.bottom-tab{color:var(--mb-body) !important;}
.dash-nav-item:hover,.dash-sidebar-link:hover{background:var(--mb-soft) !important;color:var(--mb-navy) !important;}
.dash-nav-item.is-active,.bottom-tab.is-active{
  background:rgba(44,46,131,.08) !important;background-image:none !important;
  color:var(--mb-navy) !important;
  border-left:2px solid var(--mb-navy) !important;
  border-radius:0 4px 4px 0 !important;
}
.dash-nav-item.is-active i,.bottom-tab.is-active i{color:var(--mb-navy) !important;}
.dash-sidebar-footer{border-top:1px solid var(--mb-line) !important;}
.dash-avatar,.user-avatar{background:var(--mb-navy) !important;background-image:none !important;color:#fff !important;}
.dash-empty,.dash-placeholder{border:1px dashed var(--mb-line-strong) !important;color:var(--mb-muted) !important;background:#fff !important;}
.dash-error,.auth-error{color:var(--mb-red-dark) !important;}

/* ---------- Residual fixes after the light conversion ------------------- */
/* Links must never be navy-on-near-black inside the dark chrome */
.mb-nav-header a,.footer a,.footer-link,.legal-link,
.cta-section a,.final-cta a,.midpay-section a,#midbank-app a{color:inherit;}
.footer a:not(.social-link){color:rgba(255,255,255,.72) !important;}
.footer a:not(.social-link):hover{color:#fff !important;}

.category-title,.section-title,.page-section h2,.page-section h3{color:var(--mb-ink) !important;}
.gateway-logo{color:#fff !important;}
.ac-tag,.edu-tag,.fc-assumption-tag,.price-strip{
  background:#fff !important;border:1px solid var(--mb-line-strong) !important;color:var(--mb-navy) !important;
}
.lead{color:var(--mb-body) !important;}

.faq-question,.fc-breakdown-value,.merchant-note{color:var(--mb-ink) !important;}
.merchant-note,.fc-breakdown-label{color:var(--mb-body) !important;}
.admin-pill{background:#fff !important;border:1px solid var(--mb-line-strong) !important;color:var(--mb-navy) !important;}

/* Card/section headings that inherited the old dark-theme white */
.service-card h3,.service-card h4,.faq-item h3,.faq-item h4,.cta-box h3,
.section-head h2,.section-head h3,.pillar h3,.grid-card h3,.col-card h3,
.offer-card h3,.plan-card h3,.tier-card h3,.value-card h3,.principle h3{
  color:var(--mb-ink) !important;
}
.service-card p,.faq-item p,.cta-box p,.section-head p{color:var(--mb-body) !important;}

/* Headings inside light boxes / heroes that kept the old white */
.cta-box h1,.cta-box h2,.cta-box h3,.cta-box h4{color:var(--mb-ink) !important;}
.section-header h1,.section-header h2,.section-header h3{color:var(--mb-ink) !important;}
/* grow-with-midbank + any page whose h1/h2 sit directly on the white body */
body > h1,body > h2,main > h1,main > h2,
section > .container > h1,section > .container > h2,
section > h1,section > h2{color:var(--mb-ink);}
/* Internal ops pages (growth/admin consoles) shipped on a dark palette */
.kw-table td,.kw-table a,table td,table a{color:var(--mb-body) !important;}
.dashboard-body .bottom-tab{color:var(--mb-body) !important;}
.dashboard-body .bottom-tab.is-active{color:var(--mb-navy) !important;background:rgba(44,46,131,.10) !important;}
.dash-bottombar{background:#fff !important;border-top:1px solid var(--mb-line) !important;}

.grow-hero,.grow-section{background:#fff !important;background-image:none !important;}
.grow-hero h1,.grow-hero h2,.grow-hero h3,.grow-section h2,.grow-section h3,
.grow-card h3,.grow-hero-inner h1{color:var(--mb-ink) !important;}
.grow-hero p,.lede,.grow-section p,.grow-card p{color:var(--mb-body) !important;}

/* Final tail: badges, tabs, revealed panels */
.section-badge span,.hero-badge span,.page-hero .badge span{color:var(--mb-navy) !important;}
.dash-bottom-tabs{background:#fff !important;border-top:1px solid var(--mb-line) !important;}
/* Calculator result panels are JS-revealed: hide them outright rather than
   leaving opacity:0 content in the accessibility tree. */
.results-box{display:none !important;}
.results-box.show{display:block !important;opacity:1 !important;transform:none !important;
  background:var(--mb-soft) !important;border:1px solid var(--mb-line) !important;border-radius:6px !important;}

/* Photo bands keep a dark scrim; their type stays white */
.transformations-cta{background:var(--mb-navy-dark) !important;background-image:none !important;}
.transformations-cta h1,.transformations-cta h2,.transformations-cta h3{color:#fff !important;}
.transformations-cta p{color:rgba(255,255,255,.80) !important;}
.transformations-cta .btn-primary,.transformations-cta .btn-premium{
  background:#fff !important;color:var(--mb-navy-dark) !important;border-color:#fff !important;
}

/* Any inline pill/badge variant: white chip, hairline, navy label */
.crypto-badge,.re-badge,.portal-badge,.edu-badge,.ac-badge,.grow-badge,
.offers-badge,.badge,.pill,.tag{
  background:#fff !important;background-image:none !important;
  border:1px solid var(--mb-line-strong) !important;
  color:var(--mb-navy) !important;
  border-radius:3px !important;
}
.crypto-badge span,.re-badge span,.portal-badge span,.badge span,.pill span,.tag span,
.crypto-badge i,.badge i,.pill i{color:var(--mb-navy) !important;}

/* Success/positive tone must clear AA on white */
.positive,.is-positive,.text-success{color:#0F7B54 !important;}
.dash-bottom-tabs .bottom-tab.is-active{background:transparent !important;color:var(--mb-navy) !important;border-top:2px solid var(--mb-navy) !important;border-left:0 !important;}

@media (max-width:480px){
  .brands-grid .brand-logo > span:not(.brand-tile){font-size:19px !important;}
  .brands-grid .brand-logo > span:not(.brand-tile) + span{font-size:13px !important;}
}

/* Nav badge + active rail in brand red/navy, not indigo */
.mb-nav-badge{color:var(--mb-navy) !important;border-color:rgba(44,46,131,.45) !important;border-radius:3px !important;}
/* The inset rail rendered as a stray "|" floating before the active item in
   the white panel. Active state is now weight + ink (see mb-nav.css). */
.mb-nav-item[aria-current]{box-shadow:none !important;color:var(--mb-ink) !important;font-weight:600 !important;}
/* The panel takes programmatic focus when it opens; the global
   [tabindex]:focus-visible ring drew a stray outline over the menu. */
.mb-nav-panel:focus,.mb-nav-panel:focus-visible{outline:none !important;}
.mb-nav-toggle:focus-visible,.mb-nav-cta:focus-visible,.mb-nav-login:focus-visible{outline:2px solid #fff !important;outline-offset:3px;}

/* Round icon medallions (our-story Golden Circle etc.) */
.circle-icon,.icon-circle,.value-icon,.mvv-icon{
  background:rgba(44,46,131,.07) !important;background-image:none !important;
  border:1px solid rgba(44,46,131,.16) !important;
  color:var(--mb-navy) !important;
  border-radius:50% !important;
  box-shadow:none !important;
}
/* Our Approach pill sits on a photo: keep it readable */
.our-story-photo-pill{background:#fff !important;}