/* Fixed Deposits — Phase 01: palette, layout and accessible controls */
:root { --fd-canvas:#f8fafc; --fd-surface:#fff; --fd-navy:#0a192f; --fd-structure:#0f2537; --fd-text:#1e293b; --fd-muted:#475569; --fd-border:#e2e8f0; --fd-green:#10b981; --fd-green-dark:#059669; }
.fixed-deposits-page,.fixed-deposits-page *,.fixed-deposits-page *::before,.fixed-deposits-page *::after { box-sizing:border-box; }
.fd-hero { padding:max(1.25rem,env(safe-area-inset-top)) 0 max(2.25rem,env(safe-area-inset-bottom)); background:linear-gradient(135deg,var(--fd-canvas),#f1f5f9); }
.fd-hero__container { width:100%; max-width:1440px; min-height:fit-content; display:grid; grid-template-columns:60% 40%; align-items:start; gap:clamp(2rem,5vw,4.5rem); margin:0 auto; padding:clamp(2rem,3.5vw,3.5rem) 2rem; }
.fd-hero__content { min-width:0; text-align:left; }.fd-hero__eyebrow { display:inline-block; margin:0 0 1rem; padding:.45rem .72rem; border:1px solid #bae6d4; border-radius:9999px; background:#ecfdf5; color:#047857; font-size:.72rem; font-weight:800; letter-spacing:.12em; line-height:1.2; text-transform:uppercase; }.fd-hero h1 { max-width:760px; margin:0; color:var(--fd-navy); font-size:clamp(2.1rem,4.2vw,4rem); font-weight:800; letter-spacing:-.045em; line-height:1.12; }.fd-hero h1 span { color:var(--fd-green); }.fd-hero__subheadline { margin:1.25rem 0 0; color:#1e3a8a; font-size:clamp(1rem,1.4vw,1.2rem); font-weight:700; line-height:1.5; }.fd-hero__description { max-width:650px; margin:1rem 0 0; color:var(--fd-muted); font-size:1rem; line-height:1.7; }.fd-hero__actions { display:flex; flex-wrap:wrap; margin-top:1.75rem; }.fd-hero__actions > * { margin-right:.75rem; margin-bottom:.75rem; }.fd-button { min-height:48px; display:inline-flex; align-items:center; justify-content:center; padding:.75rem 1.25rem; border:1px solid transparent; border-radius:9999px; font-weight:800; text-decoration:none; transition:transform .2s ease,background-color .2s ease,border-color .2s ease; }.fd-button--primary { background:var(--fd-green); color:#fff; box-shadow:0 8px 18px rgba(16,185,129,.22); }.fd-button--secondary { border-color:var(--fd-structure); color:var(--fd-structure); }.fd-button:hover { transform:translateY(-2px); }.fd-button--primary:hover { background:var(--fd-green-dark); }.fd-button--secondary:hover { border-color:var(--fd-green-dark); color:var(--fd-green-dark); }.fd-button:focus-visible,.fd-toggle:focus-visible,.fd-range:focus-visible { outline:3px solid var(--fd-green); outline-offset:3px; }

/* Calculator card and state controls */
.fd-calculator { width:100%; max-width:540px; min-height:fit-content; margin:0 auto; padding:clamp(1.5rem,3vw,2.35rem); border:1px solid var(--fd-border); border-radius:24px; background:var(--fd-surface); box-shadow:0 20px 42px rgba(10,25,47,.1); text-align:center; }.fd-calculator__header h2 { margin:0; color:var(--fd-navy); font-size:1.5rem; }.fd-calculator__header p { margin:.45rem 0 1.3rem; color:var(--fd-muted); font-size:.9rem; }.fd-toggle-row { display:flex; justify-content:center; flex-wrap:wrap; margin:0 0 .8rem; padding:4px; border-radius:14px; background:#e2e8f0; }.fd-toggle { min-height:44px; flex:1 1 120px; padding:.55rem .65rem; border:0; border-radius:10px; background:transparent; color:var(--fd-muted); cursor:pointer; font:inherit; font-size:.8rem; font-weight:800; -webkit-appearance:none; -webkit-tap-highlight-color:transparent; }.fd-toggle.is-active { background:var(--fd-structure); color:#fff; box-shadow:0 3px 8px rgba(15,37,55,.18); }.fd-toggle-row--teal .fd-toggle.is-active { background:#155e75; }.fd-toggle-row--green { display:grid; grid-template-columns:repeat(4,minmax(0,1fr)); gap:4px; flex-wrap:nowrap; }.fd-toggle-row--green .fd-toggle { min-width:0; padding:.5rem .3rem; font-size:.7rem; }.fd-toggle-row--green .fd-toggle.is-active { background:var(--fd-green-dark); }.fd-payouts { overflow:hidden; max-height:150px; opacity:1; transition:max-height .25s ease,opacity .2s ease,margin .25s ease; }.fd-payouts.is-hidden { max-height:0; margin:0; opacity:0; pointer-events:none; }.fd-calculator__label { display:block; margin:.8rem 0 .45rem; color:var(--fd-text); font-size:.82rem; font-weight:800; text-align:left; }
.fd-calculator__controls { width:80%; margin:1.25rem auto 0; text-align:left; }.fd-control { margin-bottom:1.25rem; }.fd-control label { display:block; margin-bottom:.5rem; color:var(--fd-text); font-size:.86rem; font-weight:800; }.fd-control__input { min-height:48px; display:flex; align-items:center; overflow:hidden; border:1px solid #cbd5e1; border-radius:10px; background:#fff; }.fd-control__input span { padding:0 .85rem; color:var(--fd-muted); font-size:.88rem; font-weight:700; }.fd-control__input input { min-width:0; flex:1; height:46px; padding:.65rem .55rem; border:0; background:transparent; color:var(--fd-navy); font:inherit; font-size:.95rem; font-weight:800; outline:none; -moz-appearance:textfield; }.fd-control__input:focus-within { border-color:var(--fd-green); box-shadow:0 0 0 3px rgba(16,185,129,.18); }.fd-control__input input:focus-visible { outline:none; }.fd-control__input input::-webkit-inner-spin-button,.fd-control__input input::-webkit-outer-spin-button { margin:0; -webkit-appearance:none; }.fd-range { width:100%; height:26px; display:block; margin-top:.4rem; padding:0; border:0; background:transparent; accent-color:var(--fd-green); cursor:grab; -webkit-appearance:none; appearance:none; touch-action:pan-y; }.fd-range:active { cursor:grabbing; }.fd-range::-webkit-slider-runnable-track { height:5px; border-radius:99px; background:#cbd5e1; }.fd-range::-webkit-slider-thumb { width:20px; height:20px; margin-top:-7.5px; border:3px solid #fff; border-radius:50%; background:var(--fd-green); box-shadow:0 1px 4px rgba(10,25,47,.3); -webkit-appearance:none; }.fd-range::-moz-range-track { height:5px; border-radius:99px; background:#cbd5e1; }.fd-range::-moz-range-thumb { width:16px; height:16px; border:3px solid #fff; border-radius:50%; background:var(--fd-green); box-shadow:0 1px 4px rgba(10,25,47,.3); }
.fd-results { display:grid; grid-template-columns:repeat(2,minmax(0,1fr)); margin-top:1.35rem; overflow:hidden; border:1px solid #d1fae5; border-radius:14px; background:#f0fdf4; text-align:left; }.fd-results > div { min-width:0; padding:1rem; }.fd-results span { display:block; color:var(--fd-muted); font-size:.72rem; font-weight:700; line-height:1.35; }.fd-results strong { display:block; margin-top:.3rem; color:var(--fd-navy); font-size:.98rem; line-height:1.35; }.fd-results__total { grid-column:1 / -1; border-top:1px solid #bbf7d0; background:#ecfdf5; }.fd-results__total strong { color:var(--fd-green-dark); font-size:1.2rem; }.fd-results__periodic.is-hidden { display:none; }

/* Tier 1: mobile small */
@media (max-width:374px) { .fd-hero__container { display:block; padding:2rem 12px 2.5rem; }.fd-hero h1 { font-size:1.72rem; letter-spacing:-.035em; }.fd-hero__eyebrow { font-size:.65rem; }.fd-hero__actions { display:block; }.fd-hero__actions > * { width:100%; margin-right:0; }.fd-calculator { margin-top:2rem; padding:1.35rem 1rem; border-radius:18px; }.fd-calculator__controls { width:100%; }.fd-toggle { flex-basis:100px; font-size:.72rem; }.fd-toggle-row--green { grid-template-columns:repeat(2,minmax(0,1fr)); }.fd-toggle-row--green .fd-toggle { min-height:40px; font-size:.72rem; }.fd-results > div { padding:.8rem; }.fd-results strong { font-size:.88rem; } }
/* Tier 2: mobile standard */
@media (min-width:375px) and (max-width:599px) { .fd-hero__container { display:block; padding:2.25rem 16px 2.75rem; }.fd-hero h1 { font-size:clamp(1.9rem,7.3vw,2.25rem); }.fd-calculator { margin-top:2.25rem; }.fd-hero__actions > * { flex:1 1 190px; }.fd-toggle-row--green { grid-template-columns:repeat(2,minmax(0,1fr)); }.fd-toggle-row--green .fd-toggle { min-height:42px; font-size:.76rem; } }
/* Tier 3: tablet portrait */
@media (min-width:600px) and (max-width:899px) { .fd-hero__container { display:block; padding:3rem 2rem; }.fd-calculator { max-width:600px; margin-top:2.5rem; }.fd-calculator__controls { max-width:460px; } }
/* Tier 4: tablet landscape */
@media (min-width:900px) and (max-width:1199px) { .fd-hero__container { grid-template-columns:55% 45%; gap:2rem; padding:3.25rem 2rem; }.fd-hero h1 { font-size:clamp(2.2rem,3.7vw,3.25rem); }.fd-calculator { padding:1.75rem; }.fd-calculator__controls { width:86%; } }
/* Tier 5: desktop standard */
@media (min-width:1200px) and (max-width:1599px) { .fd-hero__container { grid-template-columns:60% 40%; align-items:start; padding-top:2.25rem; padding-bottom:2.75rem; }.fd-calculator { max-width:500px; padding:1.4rem 1.6rem; border-radius:20px; }.fd-calculator__header h2 { font-size:1.3rem; }.fd-calculator__header p { margin-bottom:1rem; }.fd-toggle-row { margin-bottom:.55rem; }.fd-calculator__controls { width:78%; margin-top:.9rem; }.fd-control { margin-bottom:.85rem; }.fd-results { margin-top:1rem; }.fd-results > div { padding:.75rem .85rem; } }
/* Tier 6: ultra-wide */
@media (min-width:1600px) { .fd-hero__container { align-items:start; padding-top:2.5rem; padding-right:0; padding-bottom:3rem; padding-left:0; }.fd-calculator { max-width:500px; padding:1.5rem 1.75rem; }.fd-calculator__controls { width:78%; }.fd-control { margin-bottom:.9rem; } }
/* iPadOS/Safari: explicit layout dimensions and margin fallbacks prevent collapsed spacing. */
@supports (-webkit-touch-callout:none) { .fd-hero__container,.fd-calculator,.fd-calculator__controls,.fd-results { height:auto; min-height:0; }.fd-calculator { overflow:visible; }.fd-control:not(:last-child) { margin-bottom:1.25rem; }.fd-results > div { min-height:0; } }
@media (min-width:600px) and (max-width:899px) { .fd-hero__content { margin-bottom:2.5rem; }.fd-calculator { margin-top:0; } }
@media (min-width:900px) and (max-width:1199px) { .fd-hero__content { margin-right:2rem; }.fd-calculator { margin-left:auto; margin-right:auto; } }
@media (prefers-reduced-motion:reduce) { .fd-button,.fd-payouts { transition:none; } }

/* Fixed Deposits — Phase 02: future goal cards */
.fd-goals { padding:clamp(3rem,6vw,5rem) 0; background:#f1f5f9; }.fd-goals__container { width:100%; max-width:1280px; min-height:fit-content; margin:0 auto; padding:0 24px; }.fd-goals__header { margin-bottom:clamp(1.75rem,4vw,2.75rem); text-align:center; }.fd-goals__header h2 { margin:0; color:#0f2537; font-size:clamp(1.7rem,3vw,2.6rem); font-weight:800; letter-spacing:-.03em; line-height:1.2; }.fd-goals__header p { margin:.65rem 0 0; color:#475569; font-size:1rem; line-height:1.6; }.fd-goals__grid { display:grid; grid-template-columns:repeat(4,minmax(0,1fr)); gap:24px; }.fd-goal-card { min-width:0; min-height:200px; display:flex; flex-direction:column; align-items:center; justify-content:center; padding:24px 20px; border:1px solid #e2e8f0; border-radius:20px; background:#fff; box-shadow:0 10px 25px -5px rgba(0,0,0,.05); text-align:center; transition:transform .25s ease,box-shadow .25s ease,border-color .25s ease; }.fd-goal-card__icon { width:62px; height:62px; display:flex; align-items:center; justify-content:center; margin-bottom:1rem; border-radius:18px; }.fd-goal-card__icon svg { width:34px; height:34px; fill:none; stroke:currentColor; stroke-linecap:round; stroke-linejoin:round; stroke-width:2.5; }.fd-goal-card h3 { margin:0; color:#0f2537; font-size:1.05rem; font-weight:800; line-height:1.4; }.fd-goal-card--marriage .fd-goal-card__icon { background:#ffe4e6; color:#e11d48; }.fd-goal-card--home .fd-goal-card__icon { background:#dbeafe; color:#2563eb; }.fd-goal-card--education .fd-goal-card__icon { background:#fef3c7; color:#d97706; }.fd-goal-card--retirement .fd-goal-card__icon { background:#d1fae5; color:#10b981; }.fd-goal-card:hover,.fd-goal-card:focus-visible { border-color:#cbd5e1; box-shadow:0 18px 30px -12px rgba(15,37,55,.18); transform:translateY(-6px); outline:none; }.fd-goal-card:focus-visible { box-shadow:0 0 0 3px #10b981,0 18px 30px -12px rgba(15,37,55,.18); }
/* Tier 1 — small mobile */
@media (max-width:360px) { .fd-goals { padding:2.5rem 0; }.fd-goals__container { padding:0 12px; }.fd-goals__header { margin-bottom:1.5rem; }.fd-goals__header h2 { font-size:1.45rem; }.fd-goals__header p { font-size:.82rem; }.fd-goals__grid { grid-template-columns:repeat(2,minmax(0,1fr)); gap:12px; }.fd-goal-card { min-height:142px; padding:12px; border-radius:16px; }.fd-goal-card__icon { width:40px; height:40px; margin-bottom:.65rem; border-radius:13px; }.fd-goal-card__icon svg { width:23px; height:23px; }.fd-goal-card h3 { font-size:.75rem; } }
/* Tier 2 — standard mobile */
@media (min-width:361px) and (max-width:480px) { .fd-goals { padding:3rem 0; }.fd-goals__container { padding:0 16px; }.fd-goals__header h2 { font-size:1.6rem; }.fd-goals__header p { font-size:.88rem; }.fd-goals__grid { grid-template-columns:repeat(2,minmax(0,1fr)); gap:14px; }.fd-goal-card { min-height:162px; padding:16px; }.fd-goal-card__icon { width:48px; height:48px; margin-bottom:.75rem; border-radius:15px; }.fd-goal-card__icon svg { width:26px; height:26px; }.fd-goal-card h3 { font-size:.84rem; } }
/* Tier 3 — large mobile / phablet */
@media (min-width:481px) and (max-width:767px) { .fd-goals__container { padding:0 20px; }.fd-goals__grid { grid-template-columns:repeat(2,minmax(0,1fr)); gap:18px; }.fd-goal-card { min-height:186px; padding:20px; }.fd-goal-card__icon { width:56px; height:56px; }.fd-goal-card h3 { font-size:.98rem; } }
/* Tier 4 — tablets */
@media (min-width:768px) and (max-width:1023px) { .fd-goals__container { padding:0 28px; }.fd-goals__grid { grid-template-columns:repeat(2,minmax(0,1fr)); gap:24px; }.fd-goal-card { min-height:220px; padding:24px; }.fd-goal-card__icon { width:60px; height:60px; }.fd-goal-card h3 { font-size:1.05rem; } }
/* Tier 5 — laptops / small monitors */
@media (min-width:1024px) and (max-width:1279px) { .fd-goals__container { padding:0 28px; }.fd-goals__grid { grid-template-columns:repeat(4,minmax(0,1fr)); gap:20px; }.fd-goal-card { min-height:210px; padding:22px 16px; } }
/* Tier 6 — large desktop */
@media (min-width:1280px) { .fd-goals__container { max-width:1280px; padding:0 24px; }.fd-goals__grid { grid-template-columns:repeat(4,minmax(0,1fr)); gap:24px; }.fd-goal-card { min-height:225px; padding:28px 20px; } }
@media (prefers-reduced-motion:reduce) { .fd-goal-card { transition:none; } }

/* Fixed Deposits — Phase 03: portfolio benefits */
.fd-benefits { padding:clamp(3rem,6vw,5rem) 0; background:#fff; }.fd-benefits__container { width:100%; max-width:1200px; min-height:fit-content; margin:0 auto; padding:0 24px; }.fd-benefits__header { margin-bottom:clamp(2rem,4vw,3rem); text-align:center; }.fd-benefits__header h2 { max-width:840px; margin:0 auto; color:#0f2537; font-size:clamp(1.7rem,3vw,2.6rem); font-weight:800; letter-spacing:-.03em; line-height:1.2; }.fd-benefits__header p { margin:.7rem auto 0; color:#475569; font-size:1rem; line-height:1.6; }.fd-benefits__grid { display:grid; grid-template-columns:repeat(6,minmax(0,1fr)); gap:32px; }.fd-benefit { grid-column:span 2; min-width:0; display:flex; flex-direction:column; align-items:center; justify-content:flex-start; color:#0f2537; text-align:center; }.fd-benefit:nth-child(4) { grid-column:2 / span 2; }.fd-benefit:nth-child(5) { grid-column:4 / span 2; }.fd-benefit svg { width:56px; height:56px; margin-bottom:1rem; fill:none; stroke:#10b981; stroke-linecap:round; stroke-linejoin:round; stroke-width:2.5; transition:transform .25s ease; }.fd-benefit p { max-width:290px; margin:0; color:#0f2537; font-size:1rem; line-height:1.65; }.fd-benefit strong { color:#0a192f; font-weight:800; }.fd-benefit:hover svg,.fd-benefit:focus-within svg { transform:scale(1.08); }.fd-benefits__action { margin-top:clamp(2rem,5vw,3.5rem); text-align:center; }.fd-benefits__action .fd-button { min-width:190px; }
/* Tier 1 — small mobile */
@media (max-width:360px) { .fd-benefits { padding:2.5rem 0; }.fd-benefits__container { padding:0 12px; }.fd-benefits__header { margin-bottom:1.75rem; }.fd-benefits__header h2 { font-size:1.4rem; }.fd-benefits__header p { font-size:.82rem; }.fd-benefits__grid { grid-template-columns:repeat(2,minmax(0,1fr)); gap:16px; }.fd-benefit { grid-column:auto; }.fd-benefit:nth-child(4),.fd-benefit:nth-child(5) { grid-column:auto; }.fd-benefit:nth-child(5) { grid-column:1 / -1; justify-self:center; max-width:80%; }.fd-benefit svg { width:40px; height:40px; margin-bottom:.65rem; }.fd-benefit p { font-size:.73rem; line-height:1.5; }.fd-benefits__action { margin-top:2rem; } }
/* Tier 2 — standard mobile */
@media (min-width:361px) and (max-width:480px) { .fd-benefits__container { padding:0 16px; }.fd-benefits__header h2 { font-size:1.6rem; }.fd-benefits__header p { font-size:.88rem; }.fd-benefits__grid { grid-template-columns:repeat(2,minmax(0,1fr)); gap:18px 14px; }.fd-benefit { grid-column:auto; }.fd-benefit:nth-child(4),.fd-benefit:nth-child(5) { grid-column:auto; }.fd-benefit:nth-child(5) { grid-column:1 / -1; justify-self:center; max-width:85%; }.fd-benefit svg { width:48px; height:48px; margin-bottom:.75rem; }.fd-benefit p { font-size:.88rem; line-height:1.55; } }
/* Tier 3 — large mobile / phablet */
@media (min-width:481px) and (max-width:767px) { .fd-benefits__container { padding:0 20px; }.fd-benefits__grid { grid-template-columns:repeat(2,minmax(0,1fr)); gap:24px; }.fd-benefit { grid-column:auto; }.fd-benefit:nth-child(4),.fd-benefit:nth-child(5) { grid-column:auto; }.fd-benefit:nth-child(5) { grid-column:1 / -1; justify-self:center; max-width:70%; }.fd-benefit svg { width:52px; height:52px; }.fd-benefit p { font-size:.95rem; } }
/* Tier 4 — tablets */
@media (min-width:768px) and (max-width:1023px) { .fd-benefits__container { padding:0 28px; }.fd-benefits__grid { grid-template-columns:repeat(6,minmax(0,1fr)); gap:32px; }.fd-benefit { grid-column:span 2; }.fd-benefit:nth-child(4) { grid-column:2 / span 2; }.fd-benefit:nth-child(5) { grid-column:4 / span 2; }.fd-benefit svg { width:52px; height:52px; } }
/* Tier 5 — laptops / small monitors */
@media (min-width:1024px) and (max-width:1279px) { .fd-benefits__container { padding:0 28px; }.fd-benefits__grid { gap:48px; }.fd-benefit svg { width:56px; height:56px; } }
/* Tier 6 — large desktop */
@media (min-width:1280px) { .fd-benefits__container { max-width:1200px; padding:0 24px; }.fd-benefits__grid { gap:48px; } }
@media (prefers-reduced-motion:reduce) { .fd-benefit svg { transition:none; } }

/* Fixed Deposits — Phase 04: indicative rate comparison */
.fd-rates { padding:clamp(3rem,6vw,5rem) 0; background:#f8fafc; }.fd-rates__container { width:100%; max-width:1280px; min-height:fit-content; margin:0 auto; padding:0 24px; }.fd-rates h2 { margin:0 0 2rem; color:#0f2537; font-size:clamp(1.7rem,3vw,2.6rem); font-weight:800; letter-spacing:-.03em; line-height:1.2; text-align:center; }.fd-rates__scroll { width:100%; overflow-x:auto; border-radius:16px; background:#fff; box-shadow:0 6px 18px -8px rgba(15,37,55,.1); -webkit-overflow-scrolling:touch; scrollbar-color:#94a3b8 #e2e8f0; scrollbar-width:thin; }.fd-rates__scroll:focus-visible { outline:3px solid #10b981; outline-offset:3px; }.fd-rates__scroll::-webkit-scrollbar { height:8px; }.fd-rates__scroll::-webkit-scrollbar-track { background:#e2e8f0; }.fd-rates__scroll::-webkit-scrollbar-thumb { border-radius:99px; background:#94a3b8; }.fd-rates__table { width:100%; min-width:1000px; border-collapse:collapse; background:#fff; color:#0f2537; font-size:.88rem; }.fd-rates__table th,.fd-rates__table td { padding:14px 16px; border-bottom:1px solid #e2e8f0; text-align:left; vertical-align:middle; white-space:nowrap; }.fd-rates__table th { background:#0f2537; color:#fff; font-size:.76rem; font-weight:800; letter-spacing:.035em; text-transform:uppercase; }.fd-rates__table th:first-child { border-top-left-radius:16px; }.fd-rates__table th:last-child { border-top-right-radius:16px; }.fd-rates__table tbody tr:nth-child(even) { background:#f8fafc; }.fd-rates__table tbody tr:last-child td { border-bottom:0; }.fd-rates__table td:first-child { font-weight:800; }.fd-rates__rate { color:#047857; font-weight:800; }.fd-rating { display:inline-block; padding:.3rem .5rem; border-radius:999px; background:#d1fae5; color:#047857; font-size:.72rem; font-weight:800; line-height:1.2; }.fd-rating--alt { background:#ccfbf1; color:#0f766e; }.fd-rates__na { color:#64748b; text-align:center !important; }.fd-rates__disclaimer { max-width:900px; margin:1rem auto 0; color:#64748b; font-size:.75rem; line-height:1.55; text-align:center; }
/* Tier 1 — small mobile */
@media (max-width:360px) { .fd-rates { padding:24px 0; }.fd-rates__container { padding:0 12px; }.fd-rates h2 { margin-bottom:1.25rem; font-size:1.4rem; }.fd-rates__table { font-size:.75rem; }.fd-rates__table th,.fd-rates__table td { padding:8px 10px; }.fd-rates__table th { font-size:.65rem; }.fd-rating { font-size:.62rem; }.fd-rates__disclaimer { font-size:.69rem; } }
/* Tier 2 — standard mobile */
@media (min-width:361px) and (max-width:480px) { .fd-rates { padding:2.5rem 0; }.fd-rates__container { padding:0 16px; }.fd-rates h2 { font-size:1.6rem; }.fd-rates__table { font-size:.81rem; }.fd-rates__table th,.fd-rates__table td { padding:10px 12px; }.fd-rates__table th { font-size:.68rem; }.fd-rates__disclaimer { font-size:.72rem; } }
/* Tier 3 — large mobile / phablet */
@media (min-width:481px) and (max-width:767px) { .fd-rates__container { padding:0 20px; }.fd-rates__table { font-size:.875rem; }.fd-rates__table th,.fd-rates__table td { padding:12px 14px; }.fd-rates__disclaimer { font-size:.74rem; } }
/* Tier 4 — tablets */
@media (min-width:768px) and (max-width:1023px) { .fd-rates__container { padding:0 28px; }.fd-rates__table th,.fd-rates__table td { padding:14px 16px; } }
/* Tier 5 — laptops / small monitors */
@media (min-width:1024px) and (max-width:1279px) { .fd-rates__container { max-width:1100px; padding:0 28px; }.fd-rates__scroll { overflow-x:visible; } }
/* Tier 6 — large desktop */
@media (min-width:1280px) { .fd-rates__container { max-width:1280px; padding:0 24px; }.fd-rates__scroll { overflow-x:visible; box-shadow:0 10px 30px -5px rgba(0,0,0,.05); }.fd-rates__table tbody tr { transition:background-color .2s ease; }.fd-rates__table tbody tr:hover { background:#f1f5f9; } }

/* Fixed Deposits — Phase 05: PL corporate FD advantages */
.fd-pl-benefits { padding:clamp(3rem,6vw,5rem) 0; background:#f1f5f9; }.fd-pl-benefits__container { width:100%; max-width:1280px; min-height:fit-content; margin:0 auto; padding:0 24px; }.fd-pl-benefits h2 { max-width:800px; margin:0 auto clamp(2rem,4vw,3rem); color:#0f2537; font-size:clamp(1.7rem,3vw,2.6rem); font-weight:800; letter-spacing:-.03em; line-height:1.2; text-align:center; }.fd-pl-benefits__grid { display:grid; grid-template-columns:repeat(4,minmax(0,1fr)); gap:32px; }.fd-pl-benefit { min-width:0; color:#0f2537; text-align:center; }.fd-pl-benefit svg { width:52px; height:52px; display:block; margin:0 auto 1rem; fill:none; stroke-linecap:round; stroke-linejoin:round; stroke-width:2.3; transition:transform .25s ease; }.fd-pl-benefit svg .i-navy { stroke:#0f2537; }.fd-pl-benefit svg .i-green { stroke:#10b981; }.fd-pl-benefit svg .i-gold { stroke:#d97706; }.fd-pl-benefit svg .i-blue { stroke:#2563eb; }.fd-pl-benefit svg .i-rose { stroke:#e11d48; }.fd-pl-benefit p { margin:0; color:#475569; font-size:.92rem; line-height:1.65; }.fd-pl-benefit strong { color:#0a192f; font-weight:800; }.fd-pl-benefit:hover svg { transform:translateY(-4px); }
/* Tier 1 — small mobile */
@media (max-width:360px) { .fd-pl-benefits { padding:2.5rem 0; }.fd-pl-benefits__container { padding:0 12px; }.fd-pl-benefits h2 { margin-bottom:1.75rem; font-size:1.4rem; }.fd-pl-benefits__grid { grid-template-columns:repeat(2,minmax(0,1fr)); gap:16px 12px; }.fd-pl-benefit { text-align:left; }.fd-pl-benefit svg { width:36px; height:36px; margin:0 0 .65rem; }.fd-pl-benefit p { font-size:.73rem; line-height:1.5; } }
/* Tier 2 — standard mobile */
@media (min-width:361px) and (max-width:480px) { .fd-pl-benefits__container { padding:0 16px; }.fd-pl-benefits h2 { font-size:1.6rem; }.fd-pl-benefits__grid { grid-template-columns:repeat(2,minmax(0,1fr)); gap:20px 16px; }.fd-pl-benefit { text-align:left; }.fd-pl-benefit svg { width:40px; height:40px; margin:0 0 .75rem; }.fd-pl-benefit p { font-size:.83rem; line-height:1.55; } }
/* Tier 3 — large mobile / phablet */
@media (min-width:481px) and (max-width:767px) { .fd-pl-benefits__container { padding:0 20px; }.fd-pl-benefits__grid { grid-template-columns:repeat(2,minmax(0,1fr)); gap:24px 20px; }.fd-pl-benefit { text-align:left; }.fd-pl-benefit svg { width:44px; height:44px; margin:0 0 .8rem; }.fd-pl-benefit p { font-size:.9rem; } }
/* Tier 4 — tablets */
@media (min-width:768px) and (max-width:1023px) { .fd-pl-benefits__container { padding:0 32px; }.fd-pl-benefits__grid { grid-template-columns:repeat(2,minmax(0,1fr)); gap:28px 24px; }.fd-pl-benefit { text-align:left; }.fd-pl-benefit svg { width:48px; height:48px; margin:0 0 .9rem; }.fd-pl-benefit p { font-size:.95rem; } }
/* Tier 5 — laptops / small monitors */
@media (min-width:1024px) and (max-width:1279px) { .fd-pl-benefits__container { padding:0 28px; }.fd-pl-benefits__grid { grid-template-columns:repeat(4,minmax(0,1fr)); gap:32px; }.fd-pl-benefit { text-align:center; }.fd-pl-benefit svg { width:52px; height:52px; margin-right:auto; margin-left:auto; } }
/* Tier 6 — large desktop */
@media (min-width:1280px) { .fd-pl-benefits__container { max-width:1280px; padding:0 24px; }.fd-pl-benefits__grid { grid-template-columns:repeat(4,minmax(0,1fr)); gap:36px; }.fd-pl-benefit { text-align:center; } }
@media (prefers-reduced-motion:reduce) { .fd-pl-benefit svg { transition:none; } }

/* Fixed Deposits — Phase 06: three-step investment roadmap */
.fd-steps { padding:clamp(2.75rem,5vw,4.5rem) 0; background:#fff; }.fd-steps__container { width:100%; max-width:1200px; min-height:fit-content; margin:0 auto; padding:0 24px; }.fd-steps h2 { margin:0 auto clamp(2rem,4vw,3rem); color:#0f2537; font-size:clamp(1.7rem,3vw,2.5rem); font-weight:800; letter-spacing:-.03em; line-height:1.2; text-align:center; }.fd-steps__list { position:relative; display:grid; grid-template-columns:repeat(3,minmax(0,1fr)); margin:0; padding:0; list-style:none; }.fd-steps__list::before { position:absolute; z-index:0; top:23px; right:16.66%; left:16.66%; height:2px; background:linear-gradient(90deg,#10b981,#059669); content:""; }.fd-step { position:relative; z-index:1; min-width:0; padding:0 22px; text-align:center; }.fd-step__node { width:48px; height:48px; display:flex; align-items:center; justify-content:center; margin:0 auto .75rem; border:4px solid #ecfdf5; border-radius:50%; background:#10b981; color:#fff; font-size:1rem; font-weight:800; transition:transform .2s ease; }.fd-step__badge { display:inline-block; margin-bottom:.6rem; padding:.28rem .55rem; border-radius:999px; background:#d1fae5; color:#047857; font-size:.72rem; font-weight:800; letter-spacing:.06em; text-transform:uppercase; }.fd-step h3 { margin:0; color:#0f2537; font-size:1.1rem; font-weight:800; line-height:1.4; }.fd-step p { max-width:290px; margin:.55rem auto 0; color:#475569; font-size:.91rem; line-height:1.6; }.fd-step:hover .fd-step__node { transform:scale(1.08); }.fd-steps__action { margin-top:clamp(2rem,4vw,3rem); text-align:center; }.fd-steps__action .fd-button { min-width:180px; }
/* Tier 1 — small mobile */
@media (max-width:360px) { .fd-steps { padding:16px 0 2rem; }.fd-steps__container { padding:0 12px; }.fd-steps h2 { margin-bottom:1.4rem; font-size:1.35rem; }.fd-steps__list { display:block; max-width:320px; margin:0 auto; }.fd-steps__list::before { top:22px; bottom:22px; left:22px; width:2px; height:auto; right:auto; background:linear-gradient(#10b981,#059669); }.fd-step { min-height:86px; padding:0 0 16px 54px; text-align:left; }.fd-step__node { position:absolute; top:0; left:0; width:44px; height:44px; margin:0; font-size:.8rem; }.fd-step__badge { margin-bottom:.35rem; font-size:.62rem; }.fd-step h3 { font-size:.875rem; }.fd-step p { margin:.3rem 0 0; font-size:.75rem; line-height:1.45; }.fd-steps__action { margin-top:1rem; } }
/* Tier 2 — standard mobile */
@media (min-width:361px) and (max-width:480px) { .fd-steps { padding:2.5rem 0; }.fd-steps__container { padding:0 16px; }.fd-steps h2 { font-size:1.55rem; }.fd-steps__list { display:block; max-width:420px; margin:0 auto; }.fd-steps__list::before { top:24px; bottom:24px; left:24px; width:2px; height:auto; right:auto; background:linear-gradient(#10b981,#059669); }.fd-step { min-height:100px; padding:0 0 20px 60px; text-align:left; }.fd-step__node { position:absolute; top:0; left:0; width:48px; height:48px; margin:0; }.fd-step__badge { margin-bottom:.4rem; }.fd-step h3 { font-size:1rem; }.fd-step p { margin:.35rem 0 0; font-size:.83rem; } }
/* Tier 3 — large mobile / phablet */
@media (min-width:481px) and (max-width:767px) { .fd-steps__container { max-width:500px; padding:0 20px; }.fd-steps__list { display:block; max-width:500px; margin:0 auto; }.fd-steps__list::before { top:26px; bottom:26px; left:26px; width:2px; height:auto; right:auto; background:linear-gradient(#10b981,#059669); }.fd-step { min-height:110px; padding:0 0 24px 66px; text-align:left; }.fd-step__node { position:absolute; top:0; left:0; width:52px; height:52px; margin:0; }.fd-step p { margin:.4rem 0 0; } }
/* Tier 4 — tablets */
@media (min-width:768px) and (max-width:1023px) { .fd-steps__container { max-width:720px; padding:0 28px; }.fd-steps__list { display:block; max-width:640px; margin:0 auto; }.fd-steps__list::before { top:28px; bottom:28px; left:28px; width:2px; height:auto; right:auto; background:linear-gradient(#10b981,#059669); }.fd-step { min-height:118px; padding:0 0 28px 72px; text-align:left; }.fd-step__node { position:absolute; top:0; left:0; width:56px; height:56px; margin:0; }.fd-step p { margin:.45rem 0 0; } }
/* Tier 5 — laptops / small monitors */
@media (min-width:1024px) and (max-width:1279px) { .fd-steps__container { padding:0 28px; }.fd-steps__list { grid-template-columns:repeat(3,minmax(0,1fr)); }.fd-step { padding:0 22px; text-align:center; }.fd-step__node { width:52px; height:52px; }.fd-step p { margin-right:auto; margin-left:auto; } }
/* Tier 6 — large desktop */
@media (min-width:1280px) { .fd-steps__container { max-width:1200px; padding:0 24px; }.fd-step__node { width:56px; height:56px; }.fd-steps__list::before { top:27px; } }
@media (prefers-reduced-motion:reduce) { .fd-step__node { transition:none; } }

/* Mobile/tablet connectors attach only to Steps 1 and 2; no line follows Step 3. */
@media (max-width:1023px) { .fd-steps__list::before { display:none; }.fd-step:not(:last-child)::after { position:absolute; top:44px; bottom:0; left:22px; width:2px; background:linear-gradient(#10b981,#059669); content:""; } }
@media (min-width:361px) and (max-width:480px) { .fd-step:not(:last-child)::after { top:48px; left:24px; } }
@media (min-width:481px) and (max-width:767px) { .fd-step:not(:last-child)::after { top:52px; left:26px; } }
@media (min-width:768px) and (max-width:1023px) { .fd-step:not(:last-child)::after { top:56px; left:28px; } }

/* Fixed Deposits — Phase 07: deposit type reference */
.fd-types { padding:clamp(3rem,6vw,5rem) 0; background:#fff; }.fd-types__container { width:100%; max-width:1280px; min-height:fit-content; margin:0 auto; padding:0 24px; }.fd-types h2 { margin:0 auto clamp(2rem,4vw,3rem); color:#0f2537; font-size:clamp(1.7rem,3vw,2.6rem); font-weight:800; letter-spacing:.025em; line-height:1.2; text-align:center; text-transform:uppercase; }.fd-types__grid { display:grid; grid-template-columns:repeat(3,minmax(0,1fr)); gap:32px; }.fd-type { min-width:0; text-align:left; }.fd-type h3 { margin:0 0 .65rem; font-size:1.3rem; font-weight:800; line-height:1.3; }.fd-type p { margin:0; color:#475569; font-size:.96rem; line-height:1.6; }.fd-type--regular h3{color:#047857}.fd-type--tax h3{color:#1d4ed8}.fd-type--special h3{color:#b45309}.fd-type--corporate h3{color:#4338ca}.fd-type--income h3{color:#0f766e}.fd-type--senior h3{color:#be123c}.fd-type--flexi h3{color:#0e7490}.fd-type--cumulative h3{color:#7e22ce}.fd-type--noncumulative h3{color:#c2410c}
/* Tier 1 — small mobile */
@media (max-width:360px) { .fd-types { padding:2.5rem 0; }.fd-types__container { padding:0 12px; }.fd-types h2 { margin-bottom:1.75rem; font-size:1.4rem; }.fd-types__grid { grid-template-columns:1fr; gap:16px; }.fd-type h3 { margin-bottom:.4rem; font-size:1.15rem; }.fd-type p { font-size:.875rem; line-height:1.55; } }
/* Tier 2 — standard mobile */
@media (min-width:361px) and (max-width:480px) { .fd-types__container { padding:0 16px; }.fd-types h2 { font-size:1.6rem; }.fd-types__grid { grid-template-columns:1fr; gap:20px; }.fd-type h3 { font-size:1.25rem; }.fd-type p { font-size:.9375rem; } }
/* Tier 3 — large mobile / phablet */
@media (min-width:481px) and (max-width:767px) { .fd-types__container { max-width:680px; padding:0 20px; }.fd-types__grid { grid-template-columns:1fr; gap:24px; }.fd-type p { line-height:1.6; } }
/* Tier 4 — tablets */
@media (min-width:768px) and (max-width:1023px) { .fd-types__container { padding:0 32px; }.fd-types__grid { grid-template-columns:repeat(2,minmax(0,1fr)); gap:28px 24px; } }
/* Tier 5 — laptops / small monitors */
@media (min-width:1024px) and (max-width:1279px) { .fd-types__container { padding:0 28px; }.fd-types__grid { grid-template-columns:repeat(3,minmax(0,1fr)); gap:32px; } }
/* Tier 6 — large desktop */
@media (min-width:1280px) { .fd-types__container { max-width:1280px; padding:0 24px; }.fd-types__grid { grid-template-columns:repeat(3,minmax(0,1fr)); gap:36px 32px; }.fd-type h3 { font-size:1.5rem; }.fd-type p { font-size:1rem; } }

/* Fixed Deposits — Phase 08: lead capture */
.fd-lead { padding:clamp(3rem,6vw,5rem) 0; background:#f1f5f9; scroll-margin-top:1rem; }.fd-lead__container { width:100%; max-width:1280px; min-height:fit-content; margin:0 auto; padding:0 24px; }.fd-lead__card { width:100%; max-width:480px; min-height:fit-content; margin:0 auto; padding:32px; border:1px solid #e2e8f0; border-radius:20px; background:#fff; box-shadow:0 10px 25px -5px rgba(0,0,0,.05); }.fd-lead h2 { margin:0 0 1.5rem; color:#0f2537; font-size:1.75rem; font-weight:800; line-height:1.2; text-align:center; }.fd-lead__field { margin-bottom:1.1rem; }.fd-lead__field label { display:block; margin-bottom:.45rem; color:#334155; font-size:.9rem; font-weight:800; }.fd-lead__field label span { color:#dc2626; }.fd-lead__field input { width:100%; min-height:48px; display:block; padding:13px 14px; border:1px solid #cbd5e1; border-radius:10px; background:#fff; color:#0f2537; font:inherit; font-size:1rem; line-height:1.3; -webkit-appearance:none; }.fd-lead__field input:focus-visible { border-color:#10b981; outline:2px solid #10b981; outline-offset:2px; }.fd-lead__field input.is-invalid { border-color:#ef4444; background:#fef2f2; }.fd-lead__error { min-height:1.15em; display:block; margin-top:.3rem; color:#dc2626; font-size:.76rem; line-height:1.4; }.fd-lead__submit { width:100%; min-height:50px; display:flex; align-items:center; justify-content:center; padding:.75rem 1rem; border:0; border-radius:9999px; background:#10b981; box-shadow:0 8px 18px rgba(16,185,129,.2); color:#fff; cursor:pointer; font:inherit; font-size:.94rem; font-weight:800; letter-spacing:.02em; text-transform:uppercase; -webkit-appearance:none; -webkit-tap-highlight-color:transparent; transition:background-color .2s ease,transform .2s ease,opacity .2s ease; }.fd-lead__submit:hover:not(:disabled) { background:#059669; transform:translateY(-2px); }.fd-lead__submit:focus-visible { outline:3px solid #10b981; outline-offset:3px; }.fd-lead__submit:disabled { cursor:not-allowed; opacity:.7; }.fd-lead__response { min-height:0; margin-top:1rem; }.fd-lead__response:not(:empty) { padding:.8rem .9rem; border-radius:10px; font-size:.88rem; font-weight:700; line-height:1.5; }.fd-lead__response--success { border:1px solid #86efac; background:#ecfdf5; color:#047857; }.fd-lead__response--error { border:1px solid #fecaca; background:#fef2f2; color:#b91c1c; }
/* Tier 1 — small mobile */
@media (max-width:360px) { .fd-lead { padding:2.5rem 0; }.fd-lead__container { padding:0; }.fd-lead__card { width:92%; padding:20px 16px; }.fd-lead h2 { font-size:1.4rem; }.fd-lead__field input { min-height:44px; padding:10px 12px; font-size:14px; }.fd-lead__submit { min-height:46px; font-size:.82rem; } }
/* Tier 2 — standard mobile */
@media (min-width:361px) and (max-width:480px) { .fd-lead__container { padding:0; }.fd-lead__card { width:90%; padding:24px 20px; }.fd-lead h2 { font-size:1.55rem; }.fd-lead__field input { padding:12px 14px; font-size:15px; } }
/* Tier 3 — large mobile / phablet */
@media (min-width:481px) and (max-width:767px) { .fd-lead__container { padding:0 20px; }.fd-lead__card { max-width:440px; padding:28px 24px; } }
/* Tier 4 — tablets */
@media (min-width:768px) and (max-width:1023px) { .fd-lead__container { padding:0 28px; }.fd-lead__card { max-width:460px; padding:30px 28px; } }
/* Tier 5 — laptops / small monitors */
@media (min-width:1024px) and (max-width:1279px) { .fd-lead__container { padding:0 28px; }.fd-lead__card { max-width:480px; padding:32px; } }
/* Tier 6 — large desktop */
@media (min-width:1280px) { .fd-lead__container { max-width:1280px; padding:0 24px; }.fd-lead__card { max-width:480px; padding:32px; } }
@media (prefers-reduced-motion:reduce) { .fd-lead__submit { transition:none; } }

/* Fixed Deposits — Phase 09: FAQs */
.fd-faq { padding:clamp(3rem,6vw,5rem) 0; background:#fff; }.fd-faq__container { width:75%; max-width:1080px; min-height:fit-content; margin:0 auto; }.fd-faq h2 { margin:0 0 1.75rem; color:#0f2537; font-size:clamp(1.7rem,3vw,2.5rem); font-weight:800; letter-spacing:-.03em; line-height:1.2; text-align:left; }.fd-faq__item { border-bottom:1px solid #e2e8f0; }.fd-faq__item h3 { margin:0; }.fd-faq__question { width:100%; min-height:56px; display:flex; align-items:center; justify-content:space-between; gap:1rem; padding:18px 0; border:0; background:transparent; color:#0f2537; cursor:pointer; font:inherit; font-size:1rem; font-weight:700; line-height:1.45; text-align:left; -webkit-appearance:none; -webkit-tap-highlight-color:transparent; transition:color .2s ease; }.fd-faq__question > span:first-child { min-width:0; }.fd-faq__question:focus-visible { outline:2px solid #10b981; outline-offset:-2px; }.fd-faq__icon { flex:0 0 24px; width:24px; height:24px; display:flex; align-items:center; justify-content:center; color:#10b981; font-size:1.5rem; font-weight:700; line-height:1; }.fd-faq__answer { max-height:0; overflow:hidden; opacity:0; color:#334155; transition:max-height .32s ease,opacity .24s ease; }.fd-faq__answer p { margin:0; padding:0 0 1rem; color:#334155; font-size:.94rem; line-height:1.7; text-align:left; }.fd-faq__answer p + p { margin-top:.2rem; }.fd-faq__item.is-open .fd-faq__answer { opacity:1; }.fd-faq__item.is-open .fd-faq__question { color:#047857; }
/* Tier 1 — small mobile */
@media (max-width:360px) { .fd-faq { padding:2.5rem 0; }.fd-faq__container { width:100%; padding:0 16px; }.fd-faq h2 { margin-bottom:1.35rem; font-size:1.4rem; }.fd-faq__question { min-height:48px; padding:14px 0; font-size:14px; }.fd-faq__icon { flex-basis:18px; width:18px; height:18px; font-size:18px; }.fd-faq__answer p { padding-bottom:.85rem; font-size:13px; line-height:1.6; } }
/* Tier 2 — standard mobile */
@media (min-width:361px) and (max-width:480px) { .fd-faq__container { width:100%; padding:0 20px; }.fd-faq h2 { font-size:1.6rem; }.fd-faq__question { padding:16px 0; font-size:15px; }.fd-faq__answer p { font-size:14px; } }
/* Tier 3 — large mobile / phablet */
@media (min-width:481px) and (max-width:767px) { .fd-faq__container { width:100%; padding:0 24px; }.fd-faq__question { font-size:1rem; }.fd-faq__answer p { font-size:.94rem; } }
/* Tier 4 — tablets */
@media (min-width:768px) and (max-width:1023px) { .fd-faq__container { width:75%; max-width:760px; }.fd-faq__question { font-size:16px; }.fd-faq__answer p { font-size:15px; } }
/* Tier 5 — laptops / small monitors */
@media (min-width:1024px) and (max-width:1279px) { .fd-faq__container { width:75%; max-width:960px; }.fd-faq__question { font-size:18px; }.fd-faq__answer p { font-size:16px; } }
/* Tier 6 — large desktop */
@media (min-width:1280px) { .fd-faq__container { width:75%; max-width:1080px; }.fd-faq__question { font-size:18px; }.fd-faq__answer p { font-size:16px; }.fd-faq__question:hover { color:#10b981; } }
@media (prefers-reduced-motion:reduce) { .fd-faq__question,.fd-faq__answer { transition:none; } }