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<!doctype html>
<html lang="en">
<?php include("header.php") ?>
<body>
<main>
<section class="hero-rate-banner" aria-label="Savings Account Rates"
style="
position:relative;
display:flex;
align-items:center;
padding:80px 40px;
background:#FFFFFF; /* Clean white background */
border-bottom: 1px solid #eee;
min-height:45vh; /* Shorter height to keep focus tight */
">
<div class="hero-content-left" style="z-index:2; max-width:700px; padding-right:60px; color:#1b1b1b; text-align:left;">
<h1 style="font-size:44px;font-weight:700;line-height:1.2;color:#1b1b1b;margin-bottom:15px;">
High-Yield Savings Accounts
</h1>
<p style="font-size:18px;line-height:1.6;color:#444;margin-bottom:30px;">
Grow your money securely and steadily. Our savings accounts offer competitive rates and the liquidity you need to reach your financial goals faster.
</p>
<a href="signup_step1.php" style="
display:inline-block; padding:14px 40px; background:#117aca; color:#FFFFFF;
text-decoration:none; border-radius:4px; font-weight:600; font-size:18px;
transition:background 0.3s;
" onmouseover="this.style.background='#0b5ea0'" onmouseout="this.style.background='#117aca'">
View Rates & Open Account →
</a>
</div>
<div class="apy-callout" style="z-index:3; flex-grow:1; text-align:center; padding:30px;
background:#117aca; /* Primary Blue Background */
color:#FFFFFF;
border-radius:8px;
max-width:300px;
box-shadow: 0 10px 20px rgba(0,0,0,0.2);
transform: translateY(-20px); /* Slightly raised for emphasis */
position:absolute; right:100px; /* Positioned slightly off-center right */
">
<div style="font-size:20px; font-weight:600; margin-bottom:10px;">
Current High-Yield APY
</div>
<div style="font-size:56px; font-weight:900; line-height:1;">
4.25%
</div>
<p style="font-size:12px; margin-top:10px;">
*Annual Percentage Yield. Rates are variable and subject to change.
</p>
</div>
</section>
<section id="savingGoals" style="
padding:60px 20px;
max-width:1200px;
margin:0 auto;
text-align:center;
background:#f9f9f9; /* Subtle light background for grid */
border-top:1px solid #eee;
">
<h2 style="font-size:32px; font-weight:700; color:#1b1b1b; margin-bottom:40px;">
Save Smarter, Not Harder
</h2>
<div style="
display:flex;
flex-wrap:wrap;
gap:30px;
justify-content:center;
">
<div class="goal-item" style="flex:1 1 300px; padding:25px; border-radius:8px; background:#FFFFFF; border:1px solid #eee;">
<div style="font-size:30px; color:#0b5ea0; margin-bottom:10px;">☔</div>
<h3 style="font-size:18px; font-weight:700; margin-bottom:5px;">Emergency Fund</h3>
<p style="font-size:14px; color:#666;">Build a secure financial cushion accessible immediately when unexpected events occur.</p>
</div>
<div class="goal-item" style="flex:1 1 300px; padding:25px; border-radius:8px; background:#FFFFFF; border:1px solid #eee;">
<div style="font-size:30px; color:#0b5ea0; margin-bottom:10px;">🏠</div>
<h3 style="font-size:18px; font-weight:700; margin-bottom:5px;">Major Purchases</h3>
<p style="font-size:14px; color:#666;">Automatically dedicate funds toward a down payment, vehicle, or dream vacation.</p>
</div>
<div class="goal-item" style="flex:1 1 300px; padding:25px; border-radius:8px; background:#FFFFFF; border:1px solid #eee;">
<div style="font-size:30px; color:#0b5ea0; margin-bottom:10px;">🌟</div>
<h3 style="font-size:18px; font-weight:700; margin-bottom:5px;">Long-Term Growth</h3>
<p style="font-size:14px; color:#666;">Let compound interest work for you, accumulating passive wealth over the years.</p>
</div>
</div>
</section>
<section id="digitalTools" style="
padding:60px 20px;
max-width:1000px;
margin:0 auto;
display:flex; gap:50px; flex-wrap:wrap; justify-content:center; text-align:left;
">
<div style="flex:1 1 400px; border-right:1px solid #eee; padding-right:20px;">
<h2 style="font-size:24px; font-weight:700; color:#1b1b1b; margin-bottom:15px;">
Security First, Always.
</h2>
<p style="font-size:16px; color:#444; margin-bottom:20px;">
Your savings are protected by our advanced security measures and are **FDIC insured** up to the maximum legal limit.
</p>
<div style="font-size:15px; color:#444;">
<ul style="list-style:none; padding:0; display:flex; flex-direction:column; gap:8px;">
<li>🔒 Bank-level encryption</li>
<li>🛡️ FDIC insured coverage</li>
<li>🚨 Fraud monitoring and alerts</li>
</ul>
</div>
</div>
<div style="flex:1 1 400px;">
<h2 style="font-size:24px; font-weight:700; color:#117aca; margin-bottom:15px;">
Manage Savings from Your Phone
</h2>
<p style="font-size:16px; color:#444; margin-bottom:20px;">
Set automated transfers, check your interest earned, and monitor progress toward every goal using our top-rated mobile app.
</p>
<a href="#" style="color:#117aca; text-decoration:none; font-weight:600; display:block; margin-top:10px;">
Download the App Today →
</a>
</div>
</section>
</main>
<?php include("footer.php") ?>
</body>
</html>
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