/* Custom Footer Styling */
.custom-footer {
    background-color: #111728; /* Your Tailwind Navy */
    color: #FFFFFF;
    padding: 40px 20px;
    font-family: 'Inter', sans-serif; /* Matches modern fintech fonts */
    line-height: 1.6;
}

.footer-container {
    max-width: 1100px;
    margin: 0 auto;
}

.footer-row {
    display: flex;
    justify-content: flex-start;
    gap: 80px;
    margin-bottom: 30px;
}

.footer-column h4 {
    color: #FFFFFF;
    font-size: 16px;
    margin-bottom: 15px;
    font-weight: 600;
}

.footer-column a {
    color: #9CA3AF; /* Muted grey for links */
    display: block;
    text-decoration: none;
    font-size: 14px;
    margin-bottom: 8px;
    transition: color 0.3s ease;
}

.footer-column a:hover {
    color: #FFFFFF;
}

.footer-divider {
    border: 0;
    border-top: 1px solid #1F2937;
    margin: 30px 0;
}

.footer-regulatory {
    font-size: 12px;
    color: #9CA3AF;
    text-align: left;
}

.footer-regulatory p {
    margin-bottom: 12px;
}

.copyright {
    margin-top: 20px;
    font-size: 11px;
    opacity: 0.7;
}

/* Responsive for Mobile */
@media (max-width: 768px) {
    .footer-row {
        flex-direction: column;
        gap: 30px;
    }
}

  .cred-cat-wrap { margin: 0; }
  .cred-cat-grid{
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 18px;
  }

  .cred-cat-tile{
    display:flex;
    gap: 18px;
    align-items: center;
    text-decoration: none;
    color: inherit;
    background: #fff;
    border: 1px solid rgba(0,0,0,.08);
    border-radius: 6px;
    padding: 18px 18px;
    box-shadow: 0 8px 18px rgba(0,0,0,.06);
    transition: transform .08s ease, box-shadow .08s ease;
    min-height: 86px;
  }

  .cred-cat-tile:hover{
    transform: translateY(-1px);
    box-shadow: 0 10px 22px rgba(0,0,0,.10);
  }

  .cred-cat-ico{
    width: 44px;
    height: 44px;
    display:flex;
    align-items:center;
    justify-content:center;
    font-size: 28px;
    line-height: 1;
    opacity: .95;
  }

  .cred-cat-title{
    font-size: 20px;
    font-weight: 700;
    margin: 0 0 6px;
  }

  .cred-cat-desc{
    font-size: 14px;
    opacity: .8;
    margin: 0;
    line-height: 1.35;
  }

  @media (max-width: 980px){
    .cred-cat-grid{ grid-template-columns: repeat(2, minmax(0, 1fr)); }
  }
  @media (max-width: 560px){
    .cred-cat-grid{ grid-template-columns: 1fr; }
  }