
<?php include "master.php" ?>
<!-- Personal Banking Hero Section --> <section class="relative py-16 lg:py-20 bg-gradient-to-br from-slate-900 via-primary-900 to-gray-900 dark:from-gray-900 dark:via-primary-900 dark:to-black overflow-hidden">     <div class="absolute inset-0">         <div class="absolute inset-0 opacity-10">             <div class="absolute top-0 left-0 w-full h-full" style="background-image: radial-gradient(circle at 25% 25%, #ffffff 1px, transparent 1px), radial-gradient(circle at 75% 75%, #ffffff 1px, transparent 1px); background-size: 60px 60px; animation: float 20s ease-in-out infinite;"></div> 
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                 <div class="absolute top-20 left-20 w-96 h-96 bg-teal-500/20 rounded-full blur-3xl animate-pulse"></div> 
                 <div class="absolute bottom-20 right-20 w-80 h-80 bg-purple-500/20 rounded-full blur-3xl animate-pulse delay-1000"></div> 
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                  <div class="relative z-10 max-w-7xl mx-auto px-4 sm:px-6 lg:px-8">         <div class="text-center mb-12">             <div class="inline-flex items-center px-4 py-2 bg-white/10 backdrop-blur-sm text-white/90 rounded-full text-sm font-semibold mb-6 border border-white/20">                 <i class="fa-solid fa-user mr-2"></i>                 For Individuals             </div> 
                     <h1 class="text-4xl sm:text-5xl lg:text-6xl font-bold text-white mb-4">                 Personal Banking             </h1>             <p class="text-xl text-gray-300 max-w-3xl mx-auto">                 Comprehensive banking solutions tailored to your personal financial needs             </p>         </div> 
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         </section>
  <!-- Account Types Section --> <section class="py-16 bg-white dark:bg-gray-900">     <div class="max-w-7xl mx-auto px-4 sm:px-6 lg:px-8">         <div class="text-center mb-12">             <h2 class="text-3xl lg:text-4xl font-bold text-gray-900 dark:text-white mb-4">                 Personal Accounts             </h2>             <p class="text-lg text-gray-600 dark:text-gray-300 max-w-2xl mx-auto">                 Choose from our range of personal banking accounts designed for your lifestyle             </p>         </div> 
                  <div class="grid md:grid-cols-2 lg:grid-cols-3 gap-8">             <!-- Checking Account -->             <div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-xl border border-gray-200 dark:border-gray-700 hover:shadow-2xl transition-all duration-300">                 <div class="w-16 h-16 bg-blue-100 dark:bg-blue-900/30 rounded-2xl flex items-center justify-center mb-6">                     <i class="fa-solid fa-university text-2xl text-blue-600 dark:text-blue-400"></i>                 </div> 
                         <h3 class="text-xl font-bold text-gray-900 dark:text-white mb-3">Checking Account</h3>                 <p class="text-gray-600 dark:text-gray-300 mb-4">                     Everyday banking made easy with no monthly fees and unlimited transactions.                 </p>                 <ul class="space-y-2 text-sm text-gray-600 dark:text-gray-300 mb-6">                     <li class="flex items-center"><i class="fa-solid fa-check text-green-500 mr-2"></i>No monthly maintenance fee</li>                     <li class="flex items-center"><i class="fa-solid fa-check text-green-500 mr-2"></i>Free online and mobile banking</li>                     <li class="flex items-center"><i class="fa-solid fa-check text-green-500 mr-2"></i>Free debit card</li>                     <li class="flex items-center"><i class="fa-solid fa-check text-green-500 mr-2"></i>Overdraft protection available</li>                 </ul>                 <a href="register" class="inline-flex items-center text-blue-600 dark:text-blue-400 font-semibold hover:text-blue-700 dark:hover:text-blue-300 transition-colors">                     Open Account <i class="fa-solid fa-arrow-right ml-2"></i>                 </a>             </div> 
                      <!-- Savings Account -->             <div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-xl border border-gray-200 dark:border-gray-700 hover:shadow-2xl transition-all duration-300">                 <div class="w-16 h-16 bg-green-100 dark:bg-green-900/30 rounded-2xl flex items-center justify-center mb-6">                     <i class="fa-solid fa-piggy-bank text-2xl text-green-600 dark:text-green-400"></i>                 </div> 
                         <h3 class="text-xl font-bold text-gray-900 dark:text-white mb-3">High-Yield Savings</h3>                 <p class="text-gray-600 dark:text-gray-300 mb-4">                     Grow your money with competitive interest rates and flexible access.                 </p>                 <ul class="space-y-2 text-sm text-gray-600 dark:text-gray-300 mb-6">                     <li class="flex items-center"><i class="fa-solid fa-check text-green-500 mr-2"></i>2.50% APY interest rate</li>                     <li class="flex items-center"><i class="fa-solid fa-check text-green-500 mr-2"></i>No minimum balance</li>                     <li class="flex items-center"><i class="fa-solid fa-check text-green-500 mr-2"></i>FDIC insured up to $250K</li>                     <li class="flex items-center"><i class="fa-solid fa-check text-green-500 mr-2"></i>Mobile banking access</li>                 </ul>                 <a href="register" class="inline-flex items-center text-green-600 dark:text-green-400 font-semibold hover:text-green-700 dark:hover:text-green-300 transition-colors">                     Open Account <i class="fa-solid fa-arrow-right ml-2"></i>                 </a>             </div> 
                      <!-- Money Market -->             <div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-xl border border-gray-200 dark:border-gray-700 hover:shadow-2xl transition-all duration-300">                 <div class="w-16 h-16 bg-purple-100 dark:bg-purple-900/30 rounded-2xl flex items-center justify-center mb-6">                     <i class="fa-solid fa-chart-line text-2xl text-purple-600 dark:text-purple-400"></i>                 </div> 
                         <h3 class="text-xl font-bold text-gray-900 dark:text-white mb-3">Money Market</h3>                 <p class="text-gray-600 dark:text-gray-300 mb-4">                     Higher interest rates with check-writing privileges and debit card access.                 </p>                 <ul class="space-y-2 text-sm text-gray-600 dark:text-gray-300 mb-6">                     <li class="flex items-center"><i class="fa-solid fa-check text-green-500 mr-2"></i>3.25% APY interest rate</li>                     <li class="flex items-center"><i class="fa-solid fa-check text-green-500 mr-2"></i>$2,500 minimum balance</li>                     <li class="flex items-center"><i class="fa-solid fa-check text-green-500 mr-2"></i>Limited check writing</li>                     <li class="flex items-center"><i class="fa-solid fa-check text-green-500 mr-2"></i>Debit card included</li>                 </ul>                 <a href="register" class="inline-flex items-center text-purple-600 dark:text-purple-400 font-semibold hover:text-purple-700 dark:hover:text-purple-300 transition-colors">                     Open Account <i class="fa-solid fa-arrow-right ml-2"></i>                 </a>             </div> 
                      <!-- CD Account -->             <div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-xl border border-gray-200 dark:border-gray-700 hover:shadow-2xl transition-all duration-300">                 <div class="w-16 h-16 bg-orange-100 dark:bg-orange-900/30 rounded-2xl flex items-center justify-center mb-6">                     <i class="fa-solid fa-certificate text-2xl text-orange-600 dark:text-orange-400"></i>                 </div> 
                         <h3 class="text-xl font-bold text-gray-900 dark:text-white mb-3">Certificate of Deposit</h3>                 <p class="text-gray-600 dark:text-gray-300 mb-4">                     Lock in guaranteed returns with our competitive CD rates and terms.                 </p>                 <ul class="space-y-2 text-sm text-gray-600 dark:text-gray-300 mb-6">                     <li class="flex items-center"><i class="fa-solid fa-check text-green-500 mr-2"></i>Up to 4.50% APY</li>                     <li class="flex items-center"><i class="fa-solid fa-check text-green-500 mr-2"></i>Terms from 3 months to 5 years</li>                     <li class="flex items-center"><i class="fa-solid fa-check text-green-500 mr-2"></i>$1,000 minimum deposit</li>                     <li class="flex items-center"><i class="fa-solid fa-check text-green-500 mr-2"></i>Guaranteed rate of return</li>                 </ul>                 <a href="register" class="inline-flex items-center text-orange-600 dark:text-orange-400 font-semibold hover:text-orange-700 dark:hover:text-orange-300 transition-colors">                     Open Account <i class="fa-solid fa-arrow-right ml-2"></i>                 </a>             </div> 
                      <!-- IRA Account -->             <div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-xl border border-gray-200 dark:border-gray-700 hover:shadow-2xl transition-all duration-300">                 <div class="w-16 h-16 bg-teal-100 dark:bg-teal-900/30 rounded-2xl flex items-center justify-center mb-6">                     <i class="fa-solid fa-umbrella text-2xl text-teal-600 dark:text-teal-400"></i>                 </div> 
                         <h3 class="text-xl font-bold text-gray-900 dark:text-white mb-3">IRA Accounts</h3>                 <p class="text-gray-600 dark:text-gray-300 mb-4">                     Plan for retirement with traditional and Roth IRA options.                 </p>                 <ul class="space-y-2 text-sm text-gray-600 dark:text-gray-300 mb-6">                     <li class="flex items-center"><i class="fa-solid fa-check text-green-500 mr-2"></i>Traditional and Roth options</li>                     <li class="flex items-center"><i class="fa-solid fa-check text-green-500 mr-2"></i>Tax advantages</li>                     <li class="flex items-center"><i class="fa-solid fa-check text-green-500 mr-2"></i>Investment options available</li>                     <li class="flex items-center"><i class="fa-solid fa-check text-green-500 mr-2"></i>Retirement planning tools</li>                 </ul>                 <a href="register" class="inline-flex items-center text-teal-600 dark:text-teal-400 font-semibold hover:text-teal-700 dark:hover:text-teal-300 transition-colors">                     Open Account <i class="fa-solid fa-arrow-right ml-2"></i>                 </a>             </div> 
                      <!-- Youth Account -->             <div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-xl border border-gray-200 dark:border-gray-700 hover:shadow-2xl transition-all duration-300">                 <div class="w-16 h-16 bg-pink-100 dark:bg-pink-900/30 rounded-2xl flex items-center justify-center mb-6">                     <i class="fa-solid fa-child text-2xl text-pink-600 dark:text-pink-400"></i>                 </div> 
                         <h3 class="text-xl font-bold text-gray-900 dark:text-white mb-3">Youth Savings</h3>                 <p class="text-gray-600 dark:text-gray-300 mb-4">                     Help young savers build good financial habits with our youth accounts.                 </p>                 <ul class="space-y-2 text-sm text-gray-600 dark:text-gray-300 mb-6">                     <li class="flex items-center"><i class="fa-solid fa-check text-green-500 mr-2"></i>Ages 13-17 eligible</li>                     <li class="flex items-center"><i class="fa-solid fa-check text-green-500 mr-2"></i>No monthly fees</li>                     <li class="flex items-center"><i class="fa-solid fa-check text-green-500 mr-2"></i>Financial education resources</li>                     <li class="flex items-center"><i class="fa-solid fa-check text-green-500 mr-2"></i>Parent/guardian oversight</li>                 </ul>                 <a href="register" class="inline-flex items-center text-pink-600 dark:text-pink-400 font-semibold hover:text-pink-700 dark:hover:text-pink-300 transition-colors">                     Open Account <i class="fa-solid fa-arrow-right ml-2"></i>                 </a>             </div> 
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         </section>
  <!-- Digital Banking Features --> <section class="py-16 bg-gray-50 dark:bg-gray-800">     <div class="max-w-7xl mx-auto px-4 sm:px-6 lg:px-8">         <div class="text-center mb-12">             <h2 class="text-3xl lg:text-4xl font-bold text-gray-900 dark:text-white mb-4">                 Digital Banking Features             </h2>             <p class="text-lg text-gray-600 dark:text-gray-300 max-w-2xl mx-auto">                 Bank anywhere, anytime with our comprehensive digital banking platform             </p>         </div> 
                  <div class="grid md:grid-cols-2 lg:grid-cols-4 gap-8">             <div class="text-center">                 <div class="w-16 h-16 bg-primary-100 dark:bg-primary-900/30 rounded-2xl flex items-center justify-center mx-auto mb-4">                     <i class="fa-solid fa-mobile-alt text-2xl text-primary-600 dark:text-primary-400"></i>                 </div> 
                         <h3 class="text-lg font-semibold text-gray-900 dark:text-white mb-2">Mobile Banking</h3>                 <p class="text-gray-600 dark:text-gray-300">Full-featured mobile app for iOS and Android devices</p>             </div> 
                      <div class="text-center">                 <div class="w-16 h-16 bg-primary-100 dark:bg-primary-900/30 rounded-2xl flex items-center justify-center mx-auto mb-4">                     <i class="fa-solid fa-laptop text-2xl text-primary-600 dark:text-primary-400"></i>                 </div> 
                         <h3 class="text-lg font-semibold text-gray-900 dark:text-white mb-2">Online Banking</h3>                 <p class="text-gray-600 dark:text-gray-300">Secure web portal for all your banking needs</p>             </div> 
                      <div class="text-center">                 <div class="w-16 h-16 bg-primary-100 dark:bg-primary-900/30 rounded-2xl flex items-center justify-center mx-auto mb-4">                     <i class="fa-solid fa-bell text-2xl text-primary-600 dark:text-primary-400"></i>                 </div> 
                         <h3 class="text-lg font-semibold text-gray-900 dark:text-white mb-2">Account Alerts</h3>                 <p class="text-gray-600 dark:text-gray-300">Real-time notifications for account activity</p>             </div> 
                      <div class="text-center">                 <div class="w-16 h-16 bg-primary-100 dark:bg-primary-900/30 rounded-2xl flex items-center justify-center mx-auto mb-4">                     <i class="fa-solid fa-money-bill-transfer text-2xl text-primary-600 dark:text-primary-400"></i>                 </div> 
                         <h3 class="text-lg font-semibold text-gray-900 dark:text-white mb-2">Bill Pay</h3>                 <p class="text-gray-600 dark:text-gray-300">Schedule and manage all your bill payments online</p>             </div> 
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         </section>
  <!-- CTA Section --> <section class="py-16 bg-primary-600 dark:bg-primary-700">     <div class="max-w-4xl mx-auto px-4 sm:px-6 lg:px-8 text-center">         <h2 class="text-3xl lg:text-4xl font-bold text-white mb-4">             Ready to Start Your Banking Journey?         </h2>         <p class="text-xl text-primary-100 mb-8">             Open your personal account today and experience modern banking at its best         </p>         <div class="flex flex-col sm:flex-row gap-4 justify-center">             <a href="register" class="inline-flex items-center px-8 py-4 bg-white text-primary-600 font-bold rounded-2xl transition-all duration-300 shadow-lg hover:shadow-xl hover:-translate-y-1">                 <i class="fa-solid fa-user-plus mr-3"></i>                 Open Account             </a>             <a href="contact" class="inline-flex items-center px-8 py-4 bg-primary-700 hover:bg-primary-800 text-white font-semibold rounded-2xl transition-all duration-300 border-2 border-white/30">                 <i class="fa-solid fa-phone mr-3"></i>                 Speak with Advisor             </a>         </div> 
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         </section>
          <?php include "footer.php" ?>