@import "https://fonts.googleapis.com/css2?family=Montserrat:ital,wght@0,300;0,400;0,500;0,600;0,700;1,300;1,400;1,500&display=swap";.header-utility-bar{background:var(--grey-bg);border-bottom:1px solid #041e411a}.header-utility-inner{max-width:var(--max-width);justify-content:flex-end;margin:0 auto;padding:0 60px;display:flex}.utility-nav{gap:0;display:flex}.utility-nav a{color:var(--navy);border-right:1px solid #041e411f;padding:8px 16px;font-size:13px;font-weight:400;transition:color .2s;display:block}.utility-nav a:first-child{border-left:1px solid #041e411f}.utility-nav a:hover{color:var(--blue)}.htb-header{z-index:1000;background:#fff;transition:box-shadow .3s;position:sticky;top:0;box-shadow:0 1px #041e411a}.htb-header.scrolled{box-shadow:0 2px 16px #041e4126}.header-main-row{position:relative}.header-main-inner{max-width:var(--max-width);align-items:center;gap:0;height:82px;margin:0 auto;padding:0 60px;display:flex;position:relative}.header-logo{flex-shrink:0;margin-right:48px;line-height:1;display:block}.header-nav-desktop{flex:1}.main-nav-list{align-items:stretch;height:82px;display:flex}.main-nav-item{align-items:center;display:flex;position:static}.main-nav-link{height:82px;color:var(--navy);white-space:nowrap;border-bottom:5px solid #0000;align-items:center;gap:7px;padding:0 22px;font-size:18px;font-weight:500;transition:border-color .2s;display:flex}.main-nav-item.open .main-nav-link,.main-nav-item:hover .main-nav-link{border-bottom-color:var(--blue)}.nav-chevron{border-right:2px solid var(--navy);border-bottom:2px solid var(--navy);flex-shrink:0;width:8px;height:8px;transition:transform .25s;display:inline-block;transform:rotate(45deg)translate(-3px,-1px)}.main-nav-item.open .nav-chevron{transform:rotate(-135deg)translate(-1px,3px)}.mega-menu{opacity:0;visibility:hidden;pointer-events:none;z-index:999;background:#fff;height:0;transition:opacity .25s,visibility .25s;position:fixed;top:119px;left:0;right:0;overflow:hidden;box-shadow:inset 0 2px 8px #00000014,0 4px 20px #041e411a}.mega-menu--open{opacity:1;visibility:visible;pointer-events:all;height:auto;overflow:visible}.mega-menu-inner{max-width:var(--max-width);gap:0;margin:0 auto;padding:44px 60px;display:flex}.mega-col{border-left:1px solid #041e411f;flex:1;padding:0 28px}.mega-col:first-child{border-left:none;padding-left:0}.mega-col-heading{color:var(--gold);text-transform:uppercase;letter-spacing:1px;border-bottom:1px solid #041e4114;margin-bottom:18px;padding-bottom:10px;font-size:13px;font-weight:700;display:block}.mega-col-heading:hover{color:var(--blue)}.mega-col-list{flex-direction:column;gap:2px;display:flex}.mega-col-link{color:var(--navy);align-items:center;gap:8px;padding:6px 0;font-size:16px;transition:color .2s,padding-left .2s;display:flex}.mega-col-link:after{content:"";border-right:1.5px solid var(--blue);border-bottom:1.5px solid var(--blue);opacity:0;flex-shrink:0;width:7px;height:7px;transition:opacity .2s,transform .25s;display:inline-block;transform:rotate(-45deg)}.mega-col-link:hover{color:var(--blue);padding-left:4px}.mega-col-link:hover:after{opacity:1;transform:rotate(-45deg)translate(2px,2px)}.header-actions{flex-shrink:0;align-items:center;gap:16px;margin-left:auto;padding-right:0;display:flex}.header-login-link{color:var(--navy);white-space:nowrap;align-items:center;gap:10px;padding:0 8px;font-size:14px;font-weight:700;transition:color .2s;display:flex}.header-login-link:hover{color:var(--blue)}.search-toggle{cursor:pointer;opacity:1;background:0 0;border:none;align-items:center;padding:6px;transition:opacity .2s;display:flex}.search-toggle:hover,.search-toggle.active{opacity:.5}.hamburger-btn{cursor:pointer;z-index:10;background:0 0;border:none;flex-direction:column;gap:5px;padding:6px;display:none}.hamburger-btn span{background:var(--navy);border-radius:1px;width:25px;height:2px;transition:transform .3s,opacity .3s,width .2s;display:block}.hamburger-btn.open span:first-child{transform:translateY(7px)rotate(45deg)}.hamburger-btn.open span:nth-child(2){opacity:0}.hamburger-btn.open span:nth-child(3){transform:translateY(-7px)rotate(-45deg)}.search-dropdown{background:var(--grey-bg);max-height:0;transition:max-height .3s;overflow:hidden}.search-dropdown.open{max-height:80px}.search-dropdown-inner{max-width:var(--max-width);gap:12px;margin:0 auto;padding:18px 60px;display:flex}.search-input{font-family:var(--font);color:var(--navy);background:#fff;border:1px solid #041e4133;border-radius:30px;outline:none;flex:1;padding:10px 20px;font-size:15px}.search-input:focus{border-color:var(--blue)}.search-submit-btn{background:var(--blue);color:#fff;font-family:var(--font);cursor:pointer;border:none;border-radius:30px;padding:10px 28px;font-size:14px;font-weight:600;transition:background .2s}.search-submit-btn:hover{background:var(--navy)}.mobile-nav-panel{background:var(--navy);z-index:2000;width:min(380px,100vw);height:100vh;transition:right .35s cubic-bezier(.25,.46,.45,.94);position:fixed;top:0;right:-100%;overflow-y:auto}.mobile-nav-panel.open{right:0}.mobile-nav-header{border-bottom:1px solid #ffffff1a;justify-content:space-between;align-items:center;padding:24px 28px;display:flex}.mobile-close{cursor:pointer;background:0 0;border:none;width:32px;height:32px;position:relative}.mobile-close span{transform-origin:50%;background:#fff;border-radius:1px;width:22px;height:2px;display:block;position:absolute;top:50%;left:50%}.mobile-close span:first-child{transform:translate(-50%,-50%)rotate(45deg)}.mobile-close span:last-child{transform:translate(-50%,-50%)rotate(-45deg)}.mobile-nav-list{padding:12px 0}.mobile-nav-item{border-bottom:1px solid #ffffff14}.mobile-nav-label{width:100%;font-family:var(--font);color:#fff;cursor:pointer;text-align:left;background:0 0;border:none;justify-content:space-between;align-items:center;padding:18px 28px;font-size:20px;font-weight:600;display:flex}.mobile-chevron{border-bottom:2px solid #fff9;border-right:2px solid #fff9;flex-shrink:0;width:9px;height:9px;transition:transform .25s;display:inline-block;transform:rotate(45deg)translate(-2px,-2px)}.mobile-nav-label.expanded .mobile-chevron{transform:rotate(-135deg)translate(-2px,4px)}.mobile-sub-panel{padding:8px 28px 20px 40px}.mobile-sub-col{margin-bottom:20px}.mobile-sub-heading{color:var(--gold);text-transform:uppercase;letter-spacing:1px;margin-bottom:10px;font-size:12px;font-weight:700;display:block}.mobile-sub-link{color:#ffffffbf;padding:5px 0;font-size:15px;transition:color .2s;display:block}.mobile-sub-link:hover{color:#fff}.mobile-nav-login{border-bottom:none}.mobile-nav-login a{color:var(--gold);padding:18px 28px;font-size:18px;font-weight:700;display:block}@media (width<=1100px){.header-nav-desktop{display:none}.hamburger-btn{display:flex}.utility-nav,.header-utility-bar{display:none}.mega-menu{top:82px}}@media (width<=768px){.header-main-inner{height:70px;padding:0 20px}.search-dropdown-inner{padding:16px 20px}}.hero-section{background:var(--light-bg);padding:60px 0 0;position:relative;overflow:hidden}.hero-inner{max-width:var(--max-width);align-items:center;gap:60px;margin:0 auto;padding:0 60px;display:flex}.hero-text{flex:1;max-width:580px;padding-bottom:80px}.hero-heading{color:var(--navy);letter-spacing:-1.5px;margin-bottom:32px;font-size:clamp(48px,5vw,68px);font-weight:800;line-height:1.05}.hero-sub{color:var(--navy);margin-bottom:12px;font-size:22px;line-height:1.4}.hero-sub--1{font-weight:600}.hero-sub--2{color:var(--text-muted)}.hero-badges{gap:24px;margin-top:48px;display:flex}.hero-badge{align-items:center;gap:12px;display:flex}.badge-icon{justify-content:center;align-items:center;width:56px;height:56px;display:flex}.badge-text{flex-direction:column;display:flex}.badge-text strong{color:var(--navy);font-size:14px;font-weight:700}.badge-text span{color:var(--text-muted);font-size:12px}.hero-image-wrap{flex:1;justify-content:flex-end;display:flex;position:relative}.hero-image{object-fit:cover;border-radius:12px 12px 0 0;width:100%;max-width:600px;height:auto}.hero-tiles{grid-template-columns:repeat(3,1fr);width:100%;display:grid}.hero-tile{background:var(--navy);border-right:1px solid #ffffff26;flex-direction:column;gap:24px;padding:40px 48px;transition:background .3s;display:flex;position:relative}.hero-tile:last-child{border-right:none}.hero-tile:hover{background:var(--blue)}.hero-tile-icon{justify-content:center;align-items:center;width:48px;height:48px;display:flex}.hero-tile-title{color:#fff;margin-bottom:12px;font-size:24px;font-weight:700}.hero-tile-body{color:#fffc;max-width:280px;font-size:16px;line-height:1.5}.hero-tile-arrow{color:#fff;font-size:32px;line-height:1;transition:transform .2s;position:absolute;bottom:40px;right:48px}.hero-tile:hover .hero-tile-arrow{transform:translate(8px)}@media (width<=1024px){.hero-inner{text-align:center;flex-direction:column;padding-top:40px}.hero-text{margin:0 auto;padding-bottom:0}.hero-badges{justify-content:center}.hero-image-wrap{width:100%;margin-top:40px}.hero-tiles{grid-template-columns:1fr}.hero-tile{border-bottom:1px solid #ffffff26;border-right:none}}.difference-section{background:#fff;padding:100px 0}.difference-inner{text-align:center;max-width:900px;margin:0 auto;padding:0 40px}.difference-heading{color:var(--navy);letter-spacing:-1px;margin-bottom:40px;font-size:clamp(28px,4vw,42px);font-weight:800;line-height:1.2}.difference-content{flex-direction:column;gap:24px;display:flex}.difference-content p{color:var(--navy);font-size:18px;line-height:1.6}@media (width<=768px){.difference-section{padding:60px 0}.difference-content p{font-size:16px}}.savings-section{background:var(--light-bg);padding:80px 0}.savings-title{text-align:center;color:var(--navy);letter-spacing:-1px;margin-bottom:50px;font-size:clamp(28px,4vw,36px);font-weight:800}.slider-container{max-width:1400px;margin:0 auto;padding:0 40px;position:relative}.slider-track{scroll-behavior:smooth;scroll-snap-type:x mandatory;-ms-overflow-style:none;scrollbar-width:none;gap:24px;padding-bottom:20px;display:flex;overflow-x:auto}.slider-track::-webkit-scrollbar{display:none}.saving-card{scroll-snap-align:start;flex:0 0 calc(33.333% - 16px);min-width:300px}.saving-card-inner{background:var(--navy);color:#fff;border-radius:8px;flex-direction:column;height:100%;min-height:380px;text-decoration:none;transition:transform .3s,box-shadow .3s;display:flex;overflow:hidden}.saving-card-inner:hover{transform:translateY(-8px);box-shadow:0 16px 32px #041e4133}.saving-card-content{flex-direction:column;flex:1;padding:40px 40px 30px;display:flex}.saving-card-title{color:var(--blue);margin-bottom:24px;font-size:24px;font-weight:700;line-height:1.2}.saving-rate-box{margin-bottom:24px}.saving-rate-label{color:#fffc;margin-bottom:4px;font-size:14px;display:block}.saving-rate-value{align-items:baseline;gap:4px;display:flex}.rate-num{letter-spacing:-2px;font-size:48px;font-weight:800;line-height:1}.rate-aer{color:var(--gold);font-size:16px;font-weight:600}.saving-card-desc{color:#ffffffd9;margin-bottom:0;font-size:15px;line-height:1.5}.saving-card-footer{margin-top:auto;padding:0 40px 40px}.saving-cta{text-transform:uppercase;letter-spacing:1px;color:#fff;border-bottom:2px solid var(--blue);padding-bottom:4px;font-size:14px;font-weight:700;transition:border-color .2s;display:inline-block}.saving-card-inner:hover .saving-cta{border-color:var(--gold)}.slider-btn{width:50px;height:50px;color:var(--navy);cursor:pointer;z-index:10;background:#fff;border:1px solid #041e411a;border-radius:50%;justify-content:center;align-items:center;font-size:32px;transition:background .2s,color .2s,opacity .3s;display:flex;position:absolute;top:50%;transform:translateY(-50%);box-shadow:0 4px 12px #041e4114}.slider-btn:hover{background:var(--navy);color:#fff}.slider-btn.hidden{opacity:0;pointer-events:none}.slider-btn-left{left:10px}.slider-btn-right{right:10px}@media (width<=1024px){.saving-card{flex:0 0 calc(50% - 12px)}}@media (width<=640px){.saving-card{flex:0 0 85%;min-width:280px}.saving-card-content,.saving-card-footer{padding-left:24px;padding-right:24px}.slider-btn{display:none}}.finance-section{background:var(--navy);color:#fff;padding:80px 0 0}.finance-inner{max-width:var(--max-width);margin:0 auto;padding:0 60px}.finance-header{margin-bottom:60px}.finance-title{letter-spacing:-1px;max-width:800px;margin-bottom:40px;font-size:clamp(32px,4vw,44px);font-weight:800;line-height:1.1}.finance-tabs{border-bottom:1px solid #fff3;gap:32px;display:flex}.finance-tab{color:#fff9;cursor:pointer;background:0 0;border:none;padding:0 0 16px;font-size:20px;font-weight:700;transition:color .2s;position:relative}.finance-tab:hover,.finance-tab.active{color:#fff}.finance-tab.active:after{content:"";background:var(--blue);height:4px;position:absolute;bottom:-2px;left:0;right:0}.finance-content-area{align-items:center;gap:60px;padding-bottom:80px;display:flex}.finance-text{flex:1}.finance-text h3{color:var(--blue);margin-bottom:12px;font-size:28px;font-weight:800}.finance-text h4{margin-bottom:24px;font-size:20px;font-weight:700}.finance-text p{color:#fffc;margin-bottom:32px;font-size:16px;line-height:1.6}.finance-cta{text-transform:uppercase;letter-spacing:1px;color:#fff;border-bottom:2px solid var(--blue);padding-bottom:4px;font-size:14px;font-weight:700;transition:border-color .2s;display:inline-block}.finance-cta:hover{border-color:var(--gold)}.finance-image-wrap{flex:1}.finance-image{border-radius:12px;width:100%;box-shadow:0 20px 40px #0000004d}.go-for-more-section{background:var(--light-bg);padding:100px 0}.go-for-more-inner{max-width:var(--max-width);margin:0 auto;padding:0 60px}.go-title{color:var(--navy);text-align:center;letter-spacing:-1px;max-width:800px;margin:0 auto 60px;font-size:clamp(28px,4vw,40px);font-weight:800;line-height:1.2}.go-grid{grid-template-columns:repeat(3,1fr);gap:32px;display:grid}.go-card{border-top:4px solid var(--blue);background:#fff;border-radius:8px;padding:40px;transition:transform .3s,box-shadow .3s;box-shadow:0 4px 20px #041e410f}.go-card:hover{transform:translateY(-5px);box-shadow:0 12px 32px #041e411f}.go-card h3{color:var(--navy);margin-bottom:12px;font-size:24px;font-weight:700}.go-card p{color:var(--text-muted);margin-bottom:32px;font-size:16px}.go-card a{text-transform:uppercase;letter-spacing:1px;color:var(--navy);border-bottom:2px solid var(--blue);padding-bottom:4px;font-size:14px;font-weight:700;transition:color .2s,border-color .2s;display:inline-block}.go-card a:hover{color:var(--blue);border-color:var(--gold)}@media (width<=1024px){.finance-content-area{flex-direction:column}.go-grid{grid-template-columns:1fr}}@media (width<=640px){.finance-inner,.go-for-more-inner{padding:0 20px}.finance-tabs{flex-direction:column;gap:16px}.finance-tab{text-align:left}.finance-tab.active:after{display:none}.finance-tab.active{border-left:4px solid var(--blue);padding-left:12px}}.htb-footer{background:var(--navy)}.footer-main{padding:72px 0 56px}.footer-top{grid-template-columns:280px 1fr;gap:60px;display:grid}.footer-brand{flex-direction:column;gap:20px;display:flex}.footer-logo{display:inline-block}.footer-tagline{color:#fff9;max-width:240px;font-size:13px;line-height:1.65}.footer-social{gap:12px;display:flex}.social-link{border:1.5px solid #ffffff40;border-radius:50%;justify-content:center;align-items:center;width:36px;height:36px;transition:border-color .2s,background .2s;display:flex}.social-link:hover{border-color:var(--blue);background:#28a7df1f}.footer-nav{grid-template-columns:repeat(5,1fr);gap:24px;display:grid}.footer-nav-title{text-transform:uppercase;letter-spacing:1.2px;color:var(--gold);margin-bottom:18px;font-size:12px;font-weight:700}.footer-nav-list{flex-direction:column;gap:10px;display:flex}.footer-nav-link{color:#ffffffa6;font-size:13px;line-height:1.4;transition:color .2s}.footer-nav-link:hover{color:#fff}.footer-bottom{border-top:1px solid #ffffff1a;padding:20px 0}.footer-bottom-inner{flex-wrap:wrap;justify-content:space-between;align-items:center;gap:12px;display:flex}.footer-legal-links{flex-wrap:wrap;gap:6px 20px;display:flex}.footer-legal-links a{color:#ffffff80;font-size:12px;transition:color .2s}.footer-legal-links a:hover{color:#fff}.footer-copyright{color:#fff6;font-size:12px}.footer-regulatory{background:#0003;padding:24px 0}.footer-regulatory p{color:#ffffff59;max-width:960px;font-size:11px;line-height:1.7}@media (width<=1100px){.footer-nav{grid-template-columns:repeat(3,1fr)}}@media (width<=900px){.footer-top{grid-template-columns:1fr;gap:40px}.footer-nav{grid-template-columns:repeat(2,1fr)}}@media (width<=640px){.footer-main{padding:48px 0 36px}.footer-nav{grid-template-columns:1fr 1fr}.footer-bottom-inner{flex-direction:column;align-items:flex-start}}.login-container{flex-direction:column;width:100%;height:100vh;display:flex;position:relative;overflow:hidden auto}.login-background{background-image:url(/login_background.png);background-position:50%;background-size:cover;flex:1;position:relative}.login-overlay{background:linear-gradient(90deg,#0006 0%,#0000001a 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(width<=900px){.hidden-desktop{display:flex}.hidden-mobile{display:none!important}.login-container{background-color:#f1ebd8}.mobile-login-top{justify-content:center;padding:3rem 1rem 2rem;display:flex}.login-background{border-radius:0;flex:none}.login-content{flex-direction:column;justify-content:flex-start;padding:0}.login-modal-section{z-index:20;order:-1;width:100%;margin-top:-20px}.login-text-section{text-align:center;z-index:10;order:0;padding:3rem 1.5rem;position:relative}.mobile-links{justify-content:space-between;margin-bottom:2rem;display:flex}.mobile-links a{color:#fff;font-weight:600;text-decoration:none}.login-headline{font-size:2.5rem}}.login-modal{width:100%;max-width:450px;color:var(--text-dark);background:#fff;border-radius:1.5rem;padding:2.5rem}.modal-header{margin-bottom:2rem}.logo-container{color:var(--primary-color);align-items:center;gap:.75rem;margin-bottom:1.5rem;display:flex}.brand-logo{width:auto;height:50px;display:block}.modal-header h2{color:var(--primary-color);font-size:1.5rem;font-weight:700}.bg-light{background-color:#f8fafc}.password-input-wrapper{position:relative}.toggle-password{color:#a0aec0;background:0 0;justify-content:center;align-items:center;display:flex;position:absolute;top:50%;right:1rem;transform:translateY(-50%)}.form-actions{justify-content:space-between;align-items:center;margin-top:1rem;font-size:.9rem;display:flex}.remember-device{color:#646182;cursor:pointer;align-items:center;gap:.5rem;font-size:.85rem;font-weight:500;display:flex}.help-link{color:var(--primary-color);font-weight:600}.btn-large{padding:1rem;font-size:1.1rem}.secondary-actions{gap:1rem;margin-top:1rem;display:flex}.modal-footer{text-align:center;color:var(--text-muted);margin-top:2.5rem;font-size:.85rem}.modal-footer 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#4b46681a}.enroll-btn{color:#fff;cursor:pointer;background-color:#4b4668;border:none;border-radius:8px;width:100%;margin-top:10px;padding:14px;font-size:16px;font-weight:600;transition:background-color .2s}.enroll-btn:hover:not(:disabled){background-color:#383350}.enroll-btn:disabled{cursor:not-allowed;background-color:#94a3b8}.enroll-footer{text-align:center;color:#64748b;margin-top:24px;font-size:14px}.login-link{color:#4b4668;cursor:pointer;font-weight:600;text-decoration:underline}:root{--navy:#041e41;--blue:#28a7df;--gold:#f9b236;--grey-bg:#e8ebef;--light-bg:#f3f5f7;--white:#fff;--text-muted:#64748b;--text-dark:#0f172a;--primary-color:#041e41;--secondary-bg:#f8fafc;--bg-color:#f8fafc;--success-color:#10b981;--danger-color:#ef4444;--border-color:#cbd5e1;--border-light:#041e4133;--card-accent:#f9b236;--max-width:1290px;--font:"Montserrat", sans-serif;--transition:.3s ease}*,:before,:after{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth}body{font-family:var(--font);background-color:var(--white);color:var(--navy);-webkit-font-smoothing:antialiased;font-size:16px;font-weight:400;line-height:1.4}a{color:inherit;text-decoration:none}ul,ol{list-style:none}img{max-width:100%;display:block}.container{max-width:var(--max-width);margin:0 auto;padding:0 40px}.btn-primary{background-color:var(--blue);color:var(--white);font-family:var(--font);cursor:pointer;transition:background-color var(--transition);white-space:nowrap;border:none;border-radius:30px;padding:10px 32px;font-size:16px;font-weight:400;display:inline-block}.btn-primary:hover{background-color:var(--navy);color:var(--white)}.btn-gold{background-color:var(--gold);color:var(--navy);cursor:pointer;transition:background-color var(--transition);border:none;border-radius:30px;padding:10px 32px;font-size:16px;font-weight:500;display:inline-block}.btn-gold:hover{background-color:#e09e25}.section-title{color:var(--navy);margin-bottom:16px;font-size:36px;font-weight:600;line-height:1.2}.section-subtitle{color:var(--text-muted);font-size:18px;line-height:1.6}@media (width<=768px){.container{padding:0 20px}.section-title{font-size:26px}}