<?php
if (!function_exists('getSetting')) require_once __DIR__ . '/includes/settings-helper.php';
$pageTitle = getSetting("site_name", "Deutsche Bank Holdings Delaware") . ' — Your Global Hausbank | Personal, Business & Digital Banking';
include 'includes/public-header.php';
?>
<meta name="description" content="<?= getSetting("site_name", "Deutsche Bank Holdings Delaware") ?> provides secure personal banking, business banking, digital banking, transfers, cards, and wealth management. Open an account online today.">
<meta property="og:title" content="<?= getSetting("site_name", "Deutsche Bank Holdings Delaware") ?> — Your Global Hausbank">
<meta property="og:description" content="Secure personal banking, business banking, digital banking, and wealth management. Open an account online today.">
<meta property="og:image" content="logo.png">
<meta property="og:url" content="https://www.dbhacu.com/">
<meta name="twitter:card" content="summary">
</head>
<body>

<!-- ===== TRUST BAR ===== -->
<div class="db-trust-bar">
  <div class="db-container db-trust-bar-inner">
    <div class="db-trust-bar-item"><i class="fas fa-shield-alt"></i> Bank-Grade Encryption</div>
    <div class="db-trust-bar-item"><i class="fas fa-globe"></i> Global Presence</div>
    <div class="db-trust-bar-item"><i class="fas fa-headset"></i> 24/7 Support</div>
    <div class="db-trust-bar-item"><i class="fas fa-lock"></i> Secure Authentication</div>
  </div>
</div>

<main id="main-content">

<!-- ===== 1. HERO ===== -->
<section class="db-home-hero" aria-labelledby="hero-title">
  <div class="db-container">
    <div class="db-home-hero-content">
      <span class="db-home-hero-eyebrow">Secure banking for modern life</span>
      <h1 class="db-home-hero-title" id="hero-title">Banking designed around the way you live and work.</h1>
      <p class="db-home-hero-description">Manage your accounts, cards, transfers, and payments through a secure and straightforward banking experience.</p>
      <div class="db-home-hero-actions">
        <a href="account/register.html" class="db-btn db-btn-primary db-btn-lg">Open an Account</a>
        <a href="account/login.html" class="db-btn db-btn-outline-white db-btn-lg">Sign In</a>
      </div>
      <div class="db-home-hero-trust">
        <div class="db-hero-trust-item"><i class="fas fa-check-circle"></i> Multi-Factor Authentication</div>
        <div class="db-hero-trust-item"><i class="fas fa-check-circle"></i> PIN-Secured Transactions</div>
        <div class="db-hero-trust-item"><i class="fas fa-check-circle"></i> KYC-Verified Accounts</div>
      </div>
    </div>
  </div>
</section>

<!-- ===== 2. QUICK ACTIONS ===== -->
<section class="db-section-sm" aria-label="Quick banking actions">
  <div class="db-container">
    <div class="db-quick-actions animate">
      <a href="account/register.html" class="db-quick-action">
        <div class="db-quick-action-icon"><i class="fas fa-user-plus"></i></div>
        <span>Open an Account</span>
        <small>Get started in minutes</small>
      </a>
      <a href="account/login.html" class="db-quick-action">
        <div class="db-quick-action-icon"><i class="fas fa-sign-in-alt"></i></div>
        <span>Sign In</span>
        <small>Access your dashboard</small>
      </a>
      <a href="transfers.html" class="db-quick-action">
        <div class="db-quick-action-icon"><i class="fas fa-paper-plane"></i></div>
        <span>Send Money</span>
        <small>Local & international</small>
      </a>
      <a href="cards.html" class="db-quick-action">
        <div class="db-quick-action-icon"><i class="fas fa-credit-card"></i></div>
        <span>Explore Cards</span>
        <small>Debit & virtual cards</small>
      </a>
      <a href="help-centre.html" class="db-quick-action">
        <div class="db-quick-action-icon"><i class="fas fa-headset"></i></div>
        <span>Get Support</span>
        <small>24/7 help centre</small>
      </a>
      <a href="report-fraud.html" class="db-quick-action">
        <div class="db-quick-action-icon"><i class="fas fa-exclamation-triangle"></i></div>
        <span>Report Fraud</span>
        <small>Immediate assistance</small>
      </a>
      <a href="bill-payments.html" class="db-quick-action">
        <div class="db-quick-action-icon"><i class="fas fa-file-invoice"></i></div>
        <span>Pay Bills</span>
        <small>Manage payments</small>
      </a>
      <a href="security-centre.html" class="db-quick-action">
        <div class="db-quick-action-icon"><i class="fas fa-shield-alt"></i></div>
        <span>Security Centre</span>
        <small>Keep your account safe</small>
      </a>
    </div>
  </div>
</section>

<!-- ===== 3. FEATURED ACCOUNTS ===== -->
<section class="db-section db-section-bg" aria-labelledby="featured-title">
  <div class="db-container">
    <div class="db-section-header animate">
      <span class="db-section-label">Accounts</span>
      <h2 class="db-section-title" id="featured-title">Find the Right Account for You</h2>
      <p class="db-section-subtitle">From everyday checking to high-yield savings and business accounts—choose what fits your needs.</p>
    </div>
    <div class="db-grid db-grid-3">
      <div class="db-acct-card animate animate-delay-1">
        <div class="db-acct-card-header">
          <h3>Current Account</h3>
          <p class="tagline">For everyday spending and money management</p>
        </div>
        <ul class="db-acct-card-features">
          <li><i class="fas fa-check-circle"></i> Full online and mobile banking access</li>
          <li><i class="fas fa-check-circle"></i> Free local transfers</li>
          <li><i class="fas fa-check-circle"></i> Debit card included</li>
          <li><i class="fas fa-check-circle"></i> Real-time transaction notifications</li>
          <li><i class="fas fa-check-circle"></i> 24/7 customer support</li>
        </ul>
        <div class="db-acct-card-footer">
          <a href="checking-account.html" class="db-btn db-btn-outline db-btn-sm">Learn More</a>
          <a href="account/register.html" class="db-btn db-btn-primary db-btn-sm">Open Account</a>
        </div>
      </div>
      <div class="db-acct-card featured animate animate-delay-2">
        <div class="db-acct-card-header">
          <h3>Savings Account</h3>
          <p class="tagline">Grow your money with competitive returns</p>
        </div>
        <ul class="db-acct-card-features">
          <li><i class="fas fa-check-circle"></i> Earn interest on your balance</li>
          <li><i class="fas fa-check-circle"></i> Set savings goals and track progress</li>
          <li><i class="fas fa-check-circle"></i> Automatic recurring deposits</li>
          <li><i class="fas fa-check-circle"></i> No minimum balance requirement</li>
          <li><i class="fas fa-check-circle"></i> FDIC-insured protection</li>
        </ul>
        <div class="db-acct-card-footer">
          <a href="savings-account.html" class="db-btn db-btn-outline db-btn-sm">Learn More</a>
          <a href="account/register.html" class="db-btn db-btn-primary db-btn-sm">Open Account</a>
        </div>
      </div>
      <div class="db-acct-card animate animate-delay-3">
        <div class="db-acct-card-header">
          <h3>Business Account</h3>
          <p class="tagline">Purpose-built for businesses of all sizes</p>
        </div>
        <ul class="db-acct-card-features">
          <li><i class="fas fa-check-circle"></i> Separate business and personal finances</li>
          <li><i class="fas fa-check-circle"></i> Multi-user access controls</li>
          <li><i class="fas fa-check-circle"></i> Business transfers and payments</li>
          <li><i class="fas fa-check-circle"></i> Dedicated business support</li>
          <li><i class="fas fa-check-circle"></i> Corporate banking available</li>
        </ul>
        <div class="db-acct-card-footer">
          <a href="business-account.html" class="db-btn db-btn-outline db-btn-sm">Learn More</a>
          <a href="account/register.html" class="db-btn db-btn-primary db-btn-sm">Open Account</a>
        </div>
      </div>
    </div>
    <div class="db-text-center db-mt-8">
      <a href="account-comparison.html" class="db-btn db-btn-outline">Compare All Accounts <i class="fas fa-arrow-right"></i></a>
    </div>
  </div>
</section>

<!-- ===== 4. PERSONAL BANKING OVERVIEW ===== -->
<section class="db-section" aria-labelledby="personal-title">
  <div class="db-container">
    <div class="db-showcase animate">
      <div class="db-showcase-image">
        <img src="assets/images/personal/family-finance-planning.jpg" alt="Professional managing personal finances on a laptop" width="600" height="450" loading="lazy" style="width:100%;height:100%;object-fit:cover;">
      </div>
      <div class="db-showcase-content">
        <span class="db-section-label">Personal Banking</span>
        <h2 class="db-section-title" id="personal-title" style="text-align:left;font-size:var(--db-text-3xl);">Everything You Need to Manage Your Money</h2>
        <p style="color:var(--db-gray-500);line-height:1.7;margin-bottom:var(--db-space-6);">
          From everyday checking to savings, transfers, cards, and digital banking—our personal banking
          services put you in control. Open an account online, send money locally or internationally,
          manage your debit and virtual cards, and access your finances anytime, anywhere.
        </p>
        <div class="db-grid db-grid-2" style="gap:var(--db-space-4);">
          <a href="accounts.html" class="db-card" style="padding:var(--db-space-5);text-decoration:none;">
            <div class="db-card-icon" style="width:40px;height:40px;font-size:1rem;margin-bottom:var(--db-space-3);"><i class="fas fa-university"></i></div>
            <h3 class="db-card-title" style="font-size:var(--db-text-base);">Accounts</h3>
            <p class="db-card-text" style="font-size:var(--db-text-sm);">Current, savings, and fixed deposit accounts</p>
          </a>
          <a href="transfers.html" class="db-card" style="padding:var(--db-space-5);text-decoration:none;">
            <div class="db-card-icon" style="width:40px;height:40px;font-size:1rem;margin-bottom:var(--db-space-3);"><i class="fas fa-exchange-alt"></i></div>
            <h3 class="db-card-title" style="font-size:var(--db-text-base);">Transfers</h3>
            <p class="db-card-text" style="font-size:var(--db-text-sm);">Send money locally and internationally</p>
          </a>
          <a href="cards.html" class="db-card" style="padding:var(--db-space-5);text-decoration:none;">
            <div class="db-card-icon" style="width:40px;height:40px;font-size:1rem;margin-bottom:var(--db-space-3);"><i class="fas fa-credit-card"></i></div>
            <h3 class="db-card-title" style="font-size:var(--db-text-base);">Cards</h3>
            <p class="db-card-text" style="font-size:var(--db-text-sm);">Debit cards and virtual card options</p>
          </a>
          <a href="digital-banking.html" class="db-card" style="padding:var(--db-space-5);text-decoration:none;">
            <div class="db-card-icon" style="width:40px;height:40px;font-size:1rem;margin-bottom:var(--db-space-3);"><i class="fas fa-mobile-alt"></i></div>
            <h3 class="db-card-title" style="font-size:var(--db-text-base);">Digital Banking</h3>
            <p class="db-card-text" style="font-size:var(--db-text-sm);">Bank anywhere with online and mobile access</p>
          </a>
        </div>
      </div>
    </div>
  </div>
</section>

<!-- ===== 5. BUSINESS BANKING ===== -->
<section class="db-section db-section-bg" aria-labelledby="business-title">
  <div class="db-container">
    <div class="db-showcase animate">
      <div class="db-showcase-content">
        <span class="db-section-label">Business Banking</span>
        <h2 class="db-section-title" id="business-title" style="text-align:left;font-size:var(--db-text-3xl);">Powerful Financial Tools for Your Business</h2>
        <p style="color:var(--db-gray-500);line-height:1.7;margin-bottom:var(--db-space-6);">
          Whether you are a sole proprietor, a growing SME, or a large corporation, our business banking
          solutions help you manage payments, transfers, and accounts efficiently. Access corporate banking,
          business accounts, and dedicated support tailored to your organisation.
        </p>
        <div class="db-grid db-grid-2" style="gap:var(--db-space-4);">
          <a href="business-account.html" class="db-card" style="padding:var(--db-space-5);text-decoration:none;">
            <div class="db-card-icon" style="width:40px;height:40px;font-size:1rem;margin-bottom:var(--db-space-3);"><i class="fas fa-building"></i></div>
            <h3 class="db-card-title" style="font-size:var(--db-text-base);">Business Accounts</h3>
            <p class="db-card-text" style="font-size:var(--db-text-sm);">Current and savings accounts for businesses</p>
          </a>
          <a href="corporate-bank.html" class="db-card" style="padding:var(--db-space-5);text-decoration:none;">
            <div class="db-card-icon" style="width:40px;height:40px;font-size:1rem;margin-bottom:var(--db-space-3);"><i class="fas fa-city"></i></div>
            <h3 class="db-card-title" style="font-size:var(--db-text-base);">Corporate Banking</h3>
            <p class="db-card-text" style="font-size:var(--db-text-sm);">Global transaction banking and lending</p>
          </a>
          <a href="transfers.html" class="db-card" style="padding:var(--db-space-5);text-decoration:none;">
            <div class="db-card-icon" style="width:40px;height:40px;font-size:1rem;margin-bottom:var(--db-space-3);"><i class="fas fa-paper-plane"></i></div>
            <h3 class="db-card-title" style="font-size:var(--db-text-base);">Business Transfers</h3>
            <p class="db-card-text" style="font-size:var(--db-text-sm);">Domestic and international payments</p>
          </a>
          <a href="customer-support.html" class="db-card" style="padding:var(--db-space-5);text-decoration:none;">
            <div class="db-card-icon" style="width:40px;height:40px;font-size:1rem;margin-bottom:var(--db-space-3);"><i class="fas fa-headset"></i></div>
            <h3 class="db-card-title" style="font-size:var(--db-text-base);">Business Support</h3>
            <p class="db-card-text" style="font-size:var(--db-text-sm);">Dedicated assistance for business clients</p>
          </a>
        </div>
      </div>
      <div class="db-showcase-image">
        <img src="assets/images/business/business-owner-office.jpg" alt="Business professional in modern office environment" width="600" height="450" loading="lazy" style="width:100%;height:100%;object-fit:cover;">
      </div>
    </div>
  </div>
</section>

<!-- ===== 6. DIGITAL BANKING EXPERIENCE ===== -->
<section class="db-section" aria-labelledby="digital-title">
  <div class="db-container">
    <div class="db-section-header animate">
      <span class="db-section-label">Digital Banking</span>
      <h2 class="db-section-title" id="digital-title">Your Bank, Anywhere You Are</h2>
      <p class="db-section-subtitle">Access your accounts, make transfers, pay bills, and manage your finances from any device.</p>
    </div>
    <div class="db-showcase animate">
      <div class="db-showcase-image">
        <img src="assets/images/digital/mobile-banking-user.jpg" alt="Customer using mobile banking on a smartphone to manage accounts securely from anywhere" width="600" height="450" loading="lazy" style="width:100%;height:100%;object-fit:cover;">
      </div>
      <div class="db-showcase-content">
        <h3 style="font-size:var(--db-text-2xl);color:var(--db-gray-900);margin-bottom:var(--db-space-4);">Bank Anywhere, On Any Device</h3>
        <ul class="db-feature-list">
          <li><i class="fas fa-check-circle"></i> View real-time balances across all accounts</li>
          <li><i class="fas fa-check-circle"></i> Initiate transfers, pay bills, and manage beneficiaries</li>
          <li><i class="fas fa-check-circle"></i> Access detailed transaction history and statements</li>
          <li><i class="fas fa-check-circle"></i> Manage your debit and virtual cards</li>
          <li><i class="fas fa-check-circle"></i> Update your profile and security settings</li>
          <li><i class="fas fa-check-circle"></i> Monitor savings goals and investment growth</li>
        </ul>
        <a href="digital-banking.html" class="db-btn db-btn-primary db-mt-4">Explore Digital Banking</a>
      </div>
    </div>
  </div>
</section>

<!-- ===== WAYS TO BANK ===== -->
<section class="db-section db-section-bg" aria-labelledby="ways-title">
  <div class="db-container">
    <div class="db-section-header animate">
      <span class="db-section-label">Ways to Bank</span>
      <h2 class="db-section-title" id="ways-title">Bank Your Way</h2>
      <p class="db-section-subtitle">Choose the banking channel that works best for you—online, mobile, or with support from our team.</p>
    </div>
    <div class="db-grid db-grid-4">
      <div class="db-card animate animate-delay-1">
        <div class="db-card-icon"><i class="fas fa-desktop"></i></div>
        <h3 class="db-card-title">Online Banking</h3>
        <p class="db-card-text">Access your complete dashboard from any browser. View balances, make transfers, pay bills, and manage your account securely.</p>
        <a href="digital-banking.html" class="db-card-link">Online Banking <i class="fas fa-arrow-right"></i></a>
      </div>
      <div class="db-card animate animate-delay-2">
        <div class="db-card-icon"><i class="fas fa-mobile-alt"></i></div>
        <h3 class="db-card-title">Mobile Banking</h3>
        <p class="db-card-text">Bank on the go from your smartphone or tablet. Full dashboard access with PIN-protected security on any device.</p>
        <a href="digital-banking.html" class="db-card-link">Mobile Banking <i class="fas fa-arrow-right"></i></a>
      </div>
      <div class="db-card animate animate-delay-3">
        <div class="db-card-icon"><i class="fas fa-headset"></i></div>
        <h3 class="db-card-title">Customer Support</h3>
        <p class="db-card-text">Get help when you need it. Our support team is available for account inquiries, transfer questions, and technical assistance.</p>
        <a href="customer-support.html" class="db-card-link">Get Support <i class="fas fa-arrow-right"></i></a>
      </div>
      <div class="db-card animate animate-delay-4">
        <div class="db-card-icon"><i class="fas fa-bell"></i></div>
        <h3 class="db-card-title">Notifications</h3>
        <p class="db-card-text">Stay informed with real-time alerts for transactions, account activity, and important security updates.</p>
        <a href="digital-banking.html" class="db-card-link">Learn More <i class="fas fa-arrow-right"></i></a>
      </div>
    </div>
  </div>
</section>

<!-- ===== 7. TRANSFERS & PAYMENTS ===== -->
<section class="db-section db-section-bg" aria-labelledby="transfers-title">
  <div class="db-container">
    <div class="db-section-header animate">
      <span class="db-section-label">Transfers & Payments</span>
      <h2 class="db-section-title" id="transfers-title">Move Money With Confidence</h2>
      <p class="db-section-subtitle">Secure transfers locally and internationally, pay bills, and manage beneficiaries—all with PIN-protected transaction security.</p>
    </div>
    <div class="db-grid db-grid-3">
      <div class="db-card animate animate-delay-1">
        <div class="db-card-icon"><i class="fas fa-arrow-right"></i></div>
        <h3 class="db-card-title">Local Transfers</h3>
        <p class="db-card-text">Send money instantly to accounts within the bank or to other financial institutions. PIN-verified for security.</p>
        <a href="local-transfers.html" class="db-card-link">Learn more <i class="fas fa-arrow-right"></i></a>
      </div>
      <div class="db-card animate animate-delay-2">
        <div class="db-card-icon"><i class="fas fa-globe"></i></div>
        <h3 class="db-card-title">International Transfers</h3>
        <p class="db-card-text">Send funds across borders with competitive rates. Track your transfer from initiation to delivery.</p>
        <a href="international-transfers.html" class="db-card-link">Learn more <i class="fas fa-arrow-right"></i></a>
      </div>
      <div class="db-card animate animate-delay-3">
        <div class="db-card-icon"><i class="fas fa-file-invoice"></i></div>
        <h3 class="db-card-title">Bill Payments</h3>
        <p class="db-card-text">Pay bills, manage payees, and schedule recurring payments from one convenient dashboard.</p>
        <a href="bill-payments.html" class="db-card-link">Learn more <i class="fas fa-arrow-right"></i></a>
      </div>
    </div>
    <div class="db-illustration"><img src="assets/svg/transfer-route.svg" alt="Illustration showing secure funds transfer from sender through banking network to recipient with PIN protection" width="500" height="200" loading="lazy"></div>
  </div>
</section>

<!-- ===== 8. CARDS ===== -->
<section class="db-section" aria-labelledby="cards-title">
  <div class="db-container">
    <div class="db-showcase animate">
      <div class="db-showcase-content">
        <span class="db-section-label">Cards</span>
        <h2 class="db-section-title" id="cards-title" style="text-align:left;font-size:var(--db-text-3xl);">Physical and Virtual Cards for Every Need</h2>
        <p style="color:var(--db-gray-500);line-height:1.7;margin-bottom:var(--db-space-4);">
          Access your money anywhere with our range of debit cards. Choose from Visa, MasterCard, or Discover.
          Apply for a virtual debit card for secure online shopping and digital payments.
        </p>
        <ul class="db-feature-list" style="margin-bottom:var(--db-space-4);">
          <li><i class="fas fa-check-circle"></i> Physical debit card for everyday purchases and ATM withdrawals</li>
          <li><i class="fas fa-check-circle"></i> Virtual card for secure online shopping and digital payments</li>
          <li><i class="fas fa-check-circle"></i> PIN-protected transactions on every payment</li>
          <li><i class="fas fa-check-circle"></i> Manage card settings directly from your banking dashboard</li>
        </ul>
        <div style="display:flex;gap:var(--db-space-4);flex-wrap:wrap;">
          <a href="cards.html" class="db-btn db-btn-primary">Manage Cards</a>
          <a href="account-comparison.html" class="db-btn db-btn-outline">Compare Cards</a>
        </div>
      </div>
      <div class="db-showcase-image">
        <img src="assets/images/cards/debit-card-payment.jpg" alt="Customer making a secure payment with a debit card at a payment terminal" width="600" height="450" loading="lazy" style="width:100%;height:100%;object-fit:cover;">
      </div>
    </div>
  </div>
</section>

<!-- ===== 9. WHY BANK WITH US ===== -->
<section class="db-section db-section-bg" aria-labelledby="why-title">
  <div class="db-container">
    <div class="db-section-header animate">
      <span class="db-section-label">Why Choose Us</span>
      <h2 class="db-section-title" id="why-title">Banking Designed Around You</h2>
    </div>
    <div class="db-grid db-grid-3">
      <div class="db-card animate animate-delay-1">
        <div class="db-card-icon"><i class="fas fa-bolt"></i></div>
        <h3 class="db-card-title">Fast Account Opening</h3>
        <p class="db-card-text">Open your account online in minutes with our streamlined registration. Choose from eight account types to match your needs.</p>
      </div>
      <div class="db-card animate animate-delay-2">
        <div class="db-card-icon"><i class="fas fa-lock"></i></div>
        <h3 class="db-card-title">PIN-Secured Transactions</h3>
        <p class="db-card-text">Every transfer and payment is protected by your personal 4-digit transaction PIN, verified in real time.</p>
      </div>
      <div class="db-card animate animate-delay-3">
        <div class="db-card-icon"><i class="fas fa-globe-americas"></i></div>
        <h3 class="db-card-title">Multi-Currency Support</h3>
        <p class="db-card-text">Bank in your preferred currency with support for USD, EUR, GBP, JPY, and many more currencies worldwide.</p>
      </div>
      <div class="db-card animate animate-delay-1">
        <div class="db-card-icon"><i class="fas fa-mobile-alt"></i></div>
        <h3 class="db-card-title">Responsive Design</h3>
        <p class="db-card-text">Access your complete banking dashboard from desktop, tablet, or mobile. Full functionality on every device.</p>
      </div>
      <div class="db-card animate animate-delay-2">
        <div class="db-card-icon"><i class="fas fa-file-alt"></i></div>
        <h3 class="db-card-title">Clear Records</h3>
        <p class="db-card-text">Detailed transaction history, downloadable statements, and real-time notifications keep you informed.</p>
      </div>
      <div class="db-card animate animate-delay-3">
        <div class="db-card-icon"><i class="fas fa-headset"></i></div>
        <h3 class="db-card-title">Dedicated Support</h3>
        <p class="db-card-text">Our support team is here to help with account inquiries, transfer questions, and technical assistance.</p>
      </div>
    </div>
  </div>
</section>

<!-- ===== 10. SECURITY & FRAUD ===== -->
<section class="db-section db-section-dark" aria-labelledby="security-title">
  <div class="db-container">
    <div class="db-section-header animate">
      <span class="db-section-label" style="color:var(--db-gray-400);">Security</span>
      <h2 class="db-section-title" id="security-title" style="color:var(--db-white);">Your Security Is Our Priority</h2>
      <p class="db-section-subtitle" style="color:var(--db-gray-400);">Multiple layers of protection keep your money and data safe.</p>
    </div>
    <div class="db-grid db-grid-4">
      <div class="db-security-item animate animate-delay-1" style="background:rgba(255,255,255,0.03);border-color:rgba(255,255,255,0.06);">
        <i class="fas fa-fingerprint" style="color:var(--db-success);"></i>
        <h4 style="color:var(--db-white);">Multi-Factor Auth</h4>
        <p style="color:var(--db-gray-400);">Multiple layers of identity verification protect your account access.</p>
      </div>
      <div class="db-security-item animate animate-delay-2" style="background:rgba(255,255,255,0.03);border-color:rgba(255,255,255,0.06);">
        <i class="fas fa-key" style="color:var(--db-success);"></i>
        <h4 style="color:var(--db-white);">Transaction PIN</h4>
        <p style="color:var(--db-gray-400);">Every transfer requires your personal 4-digit security PIN.</p>
      </div>
      <div class="db-security-item animate animate-delay-3" style="background:rgba(255,255,255,0.03);border-color:rgba(255,255,255,0.06);">
        <i class="fas fa-shield-virus" style="color:var(--db-success);"></i>
        <h4 style="color:var(--db-white);">Fraud Monitoring</h4>
        <p style="color:var(--db-gray-400);">Real-time detection and alerts for suspicious account activity.</p>
      </div>
      <div class="db-security-item animate animate-delay-4" style="background:rgba(255,255,255,0.03);border-color:rgba(255,255,255,0.06);">
        <img src="assets/svg/security-shield.svg" alt="Security shield representing bank-grade account protection" width="48" height="48" style="display:block;margin:0 auto var(--db-space-4);">
        <h4 style="color:var(--db-white);">KYC Verified</h4>
        <p style="color:var(--db-gray-400);">All accounts undergo Know Your Customer verification.</p>
      </div>
    </div>
    <div class="db-text-center db-mt-8">
      <a href="security-centre.html" class="db-btn db-btn-outline-white">Visit Security Centre</a>
    </div>
  </div>
</section>

<!-- ===== 11. HOW TO GET STARTED ===== -->
<section class="db-section" aria-labelledby="started-title">
  <div class="db-container">
    <div class="db-section-header animate">
      <span class="db-section-label">Get Started</span>
      <h2 class="db-section-title" id="started-title">Open Your Account in Four Simple Steps</h2>
    </div>
    <div class="db-steps animate">
      <div class="db-step">
        <h4>Choose Your Account</h4>
        <p>Select from Checking, Savings, Current, Business, Fixed Deposit, Investment, or other account types.</p>
      </div>
      <div class="db-step">
        <h4>Complete Registration</h4>
        <p>Fill in your personal details, select your preferred currency, and set up your login credentials.</p>
      </div>
      <div class="db-step">
        <h4>Verify Your Identity</h4>
        <p>Complete KYC verification by providing the required identification and address information.</p>
      </div>
      <div class="db-step">
        <h4>Start Banking</h4>
        <p>Access your dashboard, make transfers, manage cards, and take full control of your finances.</p>
      </div>
    </div>
    <div class="db-text-center db-mt-8">
      <a href="account/register.html" class="db-btn db-btn-primary db-btn-lg">Open Your Account Now</a>
    </div>
  </div>
</section>

<!-- ===== 12. CUSTOMER SUPPORT ===== -->
<section class="db-section db-section-bg" aria-labelledby="support-title">
  <div class="db-container">
    <div class="db-section-header animate">
      <span class="db-section-label">Support</span>
      <h2 class="db-section-title" id="support-title">We Are Here to Help</h2>
    </div>
    <div class="db-support-channels">
      <div class="db-support-channel animate animate-delay-1">
        <i class="fas fa-headset"></i>
        <h4>Customer Support</h4>
        <p>Contact our team for account, transfer, card, and general banking inquiries.</p>
        <a href="customer-support.html" class="db-btn db-btn-outline db-btn-sm">Get Help</a>
      </div>
      <div class="db-support-channel animate animate-delay-2">
        <i class="fas fa-question-circle"></i>
        <h4>Help Centre</h4>
        <p>Browse articles, guides, and answers to the most common banking questions.</p>
        <a href="help-centre.html" class="db-btn db-btn-outline db-btn-sm">Visit Help Centre</a>
      </div>
      <div class="db-support-channel animate animate-delay-3">
        <i class="fas fa-exclamation-triangle"></i>
        <h4>Report Fraud</h4>
        <p>If you notice suspicious activity, report it immediately for urgent assistance.</p>
        <a href="report-fraud.html" class="db-btn db-btn-outline db-btn-sm">Report Now</a>
      </div>
    </div>
  </div>
</section>

<!-- ===== 13. BANKING INSIGHTS ===== -->
<section class="db-section" aria-labelledby="insights-title">
  <div class="db-container">
    <div class="db-section-header animate">
      <span class="db-section-label">Learn</span>
      <h2 class="db-section-title" id="insights-title">Banking Insights & Guides</h2>
      <p class="db-section-subtitle">Practical guides to help you bank smarter, stay secure, and make the most of your accounts.</p>
    </div>
    
    <!-- Featured Guide -->
    <div class="db-showcase animate" style="margin-bottom:var(--db-space-12);">
      <div class="db-img-container db-img-16-9">
        <img src="assets/images/insights/featured-cards-guide.jpg" alt="Physical and virtual payment cards for everyday and online use" width="800" height="450" loading="eager">
      </div>
      <div class="db-showcase-content">
        <span class="db-section-label" style="margin-bottom:var(--db-space-2);">Featured Guide</span>
        <h3 style="font-size:var(--db-text-3xl);color:var(--db-gray-900);margin-bottom:var(--db-space-3);">Physical and Virtual Cards for Every Need</h3>
        <p style="color:var(--db-gray-500);line-height:1.7;margin-bottom:var(--db-space-4);">Understand how physical and virtual cards work, where each option is most useful, and how to manage them safely from your banking account.</p>
        <p style="color:var(--db-gray-500);line-height:1.7;margin-bottom:var(--db-space-5);font-size:var(--db-text-sm);"><i class="fas fa-clock" style="margin-right:0.35rem;color:var(--db-gray-400);"></i> 6 min read</p>
        <a href="cards.html" class="db-btn db-btn-primary">Explore Card Options <i class="fas fa-arrow-right" style="margin-left:0.5rem;"></i></a>
      </div>
    </div>

    <!-- Supporting Guides Grid -->
    <div class="db-grid db-grid-3">
      <div class="db-insight-card animate animate-delay-1">
        <div class="db-insight-card-image"><img src="assets/images/insights/savings-habit.jpg" alt="Building a consistent savings habit" width="400" height="250" loading="lazy"></div>
        <div class="db-insight-card-body">
          <div class="category">Savings</div>
          <h4>Smarter Ways to Build a Consistent Savings Habit</h4>
          <p>Practical strategies for setting savings goals, automating deposits, and growing your wealth.</p>
          <p style="font-size:var(--db-text-xs);color:var(--db-gray-400);margin-bottom:var(--db-space-2);"><i class="fas fa-clock"></i> 4 min read</p>
          <a href="savings-account.html" class="read-more">Read guide <i class="fas fa-arrow-right" style="font-size:0.7rem;"></i></a>
        </div>
      </div>
      <div class="db-insight-card animate animate-delay-2">
        <div class="db-insight-card-image"><img src="assets/images/insights/protect-from-fraud.jpg" alt="Protecting your banking account from fraud" width="400" height="250" loading="lazy"></div>
        <div class="db-insight-card-body">
          <div class="category">Security</div>
          <h4>How to Protect Your Account From Fraud</h4>
          <p>Essential steps to safeguard your passwords, PINs, and one-time codes from common banking scams.</p>
          <p style="font-size:var(--db-text-xs);color:var(--db-gray-400);margin-bottom:var(--db-space-2);"><i class="fas fa-clock"></i> 5 min read</p>
          <a href="scam-awareness.html" class="read-more">Read guide <i class="fas fa-arrow-right" style="font-size:0.7rem;"></i></a>
        </div>
      </div>
      <div class="db-insight-card animate animate-delay-3">
        <div class="db-insight-card-image"><img src="assets/images/insights/secure-transfers.jpg" alt="Making secure money transfers" width="400" height="250" loading="lazy"></div>
        <div class="db-insight-card-body">
          <div class="category">Transfers</div>
          <h4>Making Secure Money Transfers</h4>
          <p>How to verify beneficiary details, confirm transactions with your PIN, and avoid common transfer mistakes.</p>
          <p style="font-size:var(--db-text-xs);color:var(--db-gray-400);margin-bottom:var(--db-space-2);"><i class="fas fa-clock"></i> 4 min read</p>
          <a href="transfers.html" class="read-more">Read guide <i class="fas fa-arrow-right" style="font-size:0.7rem;"></i></a>
        </div>
      </div>
      <div class="db-insight-card animate animate-delay-1">
        <div class="db-insight-card-image"><img src="assets/images/insights/transaction-history.jpg" alt="Understanding transaction records" width="400" height="250" loading="lazy"></div>
        <div class="db-insight-card-body">
          <div class="category">Account Management</div>
          <h4>Understanding Your Transaction History</h4>
          <p>Learn to read transaction references, dates, debit and credit entries, and download account statements.</p>
          <p style="font-size:var(--db-text-xs);color:var(--db-gray-400);margin-bottom:var(--db-space-2);"><i class="fas fa-clock"></i> 3 min read</p>
          <a href="digital-banking.html" class="read-more">Read guide <i class="fas fa-arrow-right" style="font-size:0.7rem;"></i></a>
        </div>
      </div>
      <div class="db-insight-card animate animate-delay-2">
        <div class="db-insight-card-image"><img src="assets/images/insights/digital-banking-simple.jpg" alt="Getting started with digital banking" width="400" height="250" loading="lazy"></div>
        <div class="db-insight-card-body">
          <div class="category">Digital Banking</div>
          <h4>Digital Banking Made Simple</h4>
          <p>How to use your dashboard, manage your profile, view account activity, and access customer support.</p>
          <p style="font-size:var(--db-text-xs);color:var(--db-gray-400);margin-bottom:var(--db-space-2);"><i class="fas fa-clock"></i> 5 min read</p>
          <a href="getting-started.html" class="read-more">Read guide <i class="fas fa-arrow-right" style="font-size:0.7rem;"></i></a>
        </div>
      </div>
      <div class="db-insight-card animate animate-delay-3">
        <div class="db-insight-card-image"><img src="assets/images/insights/business-payments-guide.jpg" alt="Business payments guide" width="400" height="250" loading="lazy"></div>
        <div class="db-insight-card-body">
          <div class="category">Business</div>
          <h4>A Practical Guide to Business Payments</h4>
          <p>How business customers can organise payments, manage payees, and monitor account activity efficiently.</p>
          <p style="font-size:var(--db-text-xs);color:var(--db-gray-400);margin-bottom:var(--db-space-2);"><i class="fas fa-clock"></i> 5 min read</p>
          <a href="business-banking.html" class="read-more">Read guide <i class="fas fa-arrow-right" style="font-size:0.7rem;"></i></a>
        </div>
      </div>
    </div>
    <div class="db-text-center db-mt-8">
      <a href="banking-insights.html" class="db-btn db-btn-outline">View All Insights <i class="fas fa-arrow-right"></i></a>
    </div>
  </div>
</section>

<!-- ===== 14. FAQ ===== -->
<section class="db-section db-section-bg" aria-labelledby="faq-title">
  <div class="db-container">
    <div class="db-section-header animate">
      <span class="db-section-label">FAQ</span>
      <h2 class="db-section-title" id="faq-title">Frequently Asked Questions</h2>
    </div>
    <div class="db-faq">
      <div class="db-faq-item">
        <button class="db-faq-question">How do I open an account? <span class="db-faq-icon"><i class="fas fa-plus"></i></span></button>
        <div class="db-faq-answer"><div class="db-faq-answer-inner">Visit our registration page, fill in your personal details, choose your account type and preferred currency, set up your password, and complete the KYC verification process. The entire process takes only a few minutes.</div></div>
      </div>
      <div class="db-faq-item">
        <button class="db-faq-question">What account types are available? <span class="db-faq-icon"><i class="fas fa-plus"></i></span></button>
        <div class="db-faq-answer"><div class="db-faq-answer-inner">We offer Checking Accounts, Savings Accounts, Current Accounts, Fixed Deposit Accounts, Business Accounts, Non-Resident Accounts, Cooperate Business Accounts, and Investment Accounts. Each is designed for different financial needs.</div></div>
      </div>
      <div class="db-faq-item">
        <button class="db-faq-question">How do I make a transfer? <span class="db-faq-icon"><i class="fas fa-plus"></i></span></button>
        <div class="db-faq-answer"><div class="db-faq-answer-inner">Log into your dashboard, navigate to the Transfer section, enter the recipient's account details, the amount, and confirm with your 4-digit transaction PIN. You can transfer between internal accounts or to external banks.</div></div>
      </div>
      <div class="db-faq-item">
        <button class="db-faq-question">Is my money secure? <span class="db-faq-icon"><i class="fas fa-plus"></i></span></button>
        <div class="db-faq-answer"><div class="db-faq-answer-inner">Yes. We use bank-grade encryption, multi-factor authentication, transaction PINs, KYC verification, and real-time fraud monitoring. Never share your password, PIN, or one-time codes with anyone.</div></div>
      </div>
      <div class="db-faq-item">
        <button class="db-faq-question">What currencies do you support? <span class="db-faq-icon"><i class="fas fa-plus"></i></span></button>
        <div class="db-faq-answer"><div class="db-faq-answer-inner">We support a wide range of global currencies including USD, EUR, GBP, JPY, ALL, XPD, and many more. You can select your preferred currency when opening your account.</div></div>
      </div>
      <div class="db-faq-item">
        <button class="db-faq-question">How do I apply for a card? <span class="db-faq-icon"><i class="fas fa-plus"></i></span></button>
        <div class="db-faq-answer"><div class="db-faq-answer-inner">Navigate to the Cards section in your dashboard to apply for a virtual debit card (Visa, MasterCard, or Discover). You can also link external cards to your account for additional payment options.</div></div>
      </div>
      <div class="db-faq-item">
        <button class="db-faq-question">What should I do if I suspect fraud? <span class="db-faq-icon"><i class="fas fa-plus"></i></span></button>
        <div class="db-faq-answer"><div class="db-faq-answer-inner">If you notice any suspicious activity on your account, contact our support team immediately through the Report Fraud page. Do not share your credentials with anyone claiming to be from the bank.</div></div>
      </div>
      <div class="db-faq-item">
        <button class="db-faq-question">Can businesses open an account? <span class="db-faq-icon"><i class="fas fa-plus"></i></span></button>
        <div class="db-faq-answer"><div class="db-faq-answer-inner">Yes. We offer Business Accounts, Cooperate Business Accounts, and Corporate Banking services. Business clients can manage payments, transfers, and multi-user access through a dedicated dashboard.</div></div>
      </div>
    </div>
    <div class="db-text-center db-mt-8">
      <a href="faq.html" class="db-btn db-btn-outline">View All FAQs</a>
    </div>
  </div>
</section>

<!-- ===== 15. FINAL CTA ===== -->
<section class="db-section db-cta" aria-labelledby="cta-title">
  <div class="db-container">
    <div class="db-cta-inner animate">
      <h2 class="db-cta-title" id="cta-title">Ready to Experience Modern Banking?</h2>
      <p class="db-cta-description">Open your account today and join clients worldwide who trust <?= getSetting("site_name", "Deutsche Bank Holdings Delaware") ?> for their personal and business banking needs.</p>
      <div class="db-cta-actions">
        <a href="account/register.html" class="db-btn db-btn-light db-btn-lg">Open an Account</a>
        <a href="contact.html" class="db-btn db-btn-outline-white db-btn-lg">Contact Us</a>
      </div>
    </div>
  </div>
</section>

</main>

<?php include 'includes/public-footer.php'; ?>
