<section class="tm-fin" aria-label="Verified client reviews">
  <header class="tm-fin-bank-header">
    <div class="tm-fin-bh-logo">
      <span class="tm-fin-bh-icon" aria-hidden="true">&#x1F3E6;</span>
      <div>
        <div class="tm-fin-bh-name">ClearBank</div>
        <div class="tm-fin-bh-tagline">Regulated &middot; Audited &middot; Insured</div>
      </div>
    </div>
    <div class="tm-fin-bh-trust">
      <span class="tm-fin-bh-trust-dot" aria-hidden="true"></span>
      <span>FCA Regulated &middot; FSCS Protected &middot; 256-bit Encrypted</span>
    </div>
  </header>

  <div class="tm-fin-section">
    <div class="tm-fin-trust-banner">
      <div class="tm-fin-tb-left">
        <span class="tm-fin-tb-shield" aria-hidden="true">&#x1F6E1;</span>
        <div>
          <div class="tm-fin-tb-title">Verified Client Reviews</div>
          <div class="tm-fin-tb-sub">All reviews authenticated via KYC &amp; account data</div>
        </div>
      </div>
      <div class="tm-fin-tb-stats">
        <div class="tm-fin-tb-stat tm-fin-green"><div class="tm-fin-tb-val">4.97</div><div class="tm-fin-tb-lbl">Trust score</div></div>
        <div class="tm-fin-tb-stat tm-fin-blue"><div class="tm-fin-tb-val">286K</div><div class="tm-fin-tb-lbl">Accounts</div></div>
        <div class="tm-fin-tb-stat tm-fin-amber"><div class="tm-fin-tb-val">£4.2B</div><div class="tm-fin-tb-lbl">AUM</div></div>
      </div>
    </div>

    <div class="tm-fin-grid">
      <article class="tm-fin-card tm-fin-feat">
        <span class="tm-fin-verified"><span class="tm-fin-v-dot" aria-hidden="true"></span> KYC verified</span>
        <div class="tm-fin-prod-tag tm-fin-tag-invest">Investment portfolio</div>
        <div class="tm-fin-roi-box">
          <div><div class="tm-fin-roi-num">+34.2%</div><div class="tm-fin-roi-lbl">12-month return</div></div>
          <div class="tm-fin-roi-bench">vs. 8.1% FTSE 100 benchmark</div>
        </div>
        <div class="tm-fin-stars" aria-label="5 out of 5 stars">&#9733;&#9733;&#9733;&#9733;&#9733;</div>
        <blockquote class="tm-fin-q">"I transferred my pension after <em>eighteen months of hesitation</em>. That hesitation cost me returns I'll never recover. The transparency, the fee structure, the dashboards — none of it was what I expected from a financial institution. All of it was better."</blockquote>
        <figcaption class="tm-fin-author">
          <span class="tm-fin-av tm-fin-av-t" aria-hidden="true">PH</span>
          <span><cite class="tm-fin-an">Peter Hartmann</cite><span class="tm-fin-ar">Pension holder &middot; 3yr customer</span></span>
        </figcaption>
      </article>

      <div class="tm-fin-col">
        <article class="tm-fin-card">
          <span class="tm-fin-verified"><span class="tm-fin-v-dot" aria-hidden="true"></span> Verified</span>
          <div class="tm-fin-prod-tag tm-fin-tag-loan">Business loan</div>
          <div class="tm-fin-stars" aria-label="5 out of 5 stars">&#9733;&#9733;&#9733;&#9733;&#9733;</div>
          <blockquote class="tm-fin-q">"Approved in <em>4 hours</em>. Funded same day. No collateral theatre. Used it to hire two engineers. Revenue doubled in Q2."</blockquote>
          <figcaption class="tm-fin-author">
            <span class="tm-fin-av tm-fin-av-b" aria-hidden="true">SK</span>
            <span><cite class="tm-fin-an">Sadia Khan</cite><span class="tm-fin-ar">Founder &middot; ScaleUp Ltd</span></span>
          </figcaption>
        </article>

        <article class="tm-fin-card">
          <div class="tm-fin-prod-tag tm-fin-tag-save">High-yield savings</div>
          <div class="tm-fin-stars" aria-label="5 out of 5 stars">&#9733;&#9733;&#9733;&#9733;&#9733;</div>
          <blockquote class="tm-fin-q">"<em>5.3% AER</em>, instant access. My high-street bank offers 0.5%. This should be illegal by comparison."</blockquote>
          <figcaption class="tm-fin-author">
            <span class="tm-fin-av tm-fin-av-g" aria-hidden="true">MN</span>
            <span><cite class="tm-fin-an">Marcus Nwosu</cite><span class="tm-fin-ar">Personal savings</span></span>
          </figcaption>
        </article>
      </div>
    </div>

    <div class="tm-fin-grid2">
      <article class="tm-fin-card">
        <span class="tm-fin-verified"><span class="tm-fin-v-dot" aria-hidden="true"></span> Verified</span>
        <div class="tm-fin-prod-tag tm-fin-tag-trade">Stock trading</div>
        <div class="tm-fin-stars" aria-label="5 out of 5 stars">&#9733;&#9733;&#9733;&#9733;&#9733;</div>
        <blockquote class="tm-fin-q">"Zero commission, real-time execution, fractional shares. Everything I've wanted from a broker for <em>fifteen years</em>."</blockquote>
        <figcaption class="tm-fin-author">
          <span class="tm-fin-av tm-fin-av-a" aria-hidden="true">LD</span>
          <span><cite class="tm-fin-an">Lena Dubois</cite><span class="tm-fin-ar">Active trader &middot; Paris</span></span>
        </figcaption>
      </article>

      <article class="tm-fin-card">
        <div class="tm-fin-prod-tag tm-fin-tag-invest">Global ETFs</div>
        <div class="tm-fin-stars" aria-label="5 out of 5 stars">&#9733;&#9733;&#9733;&#9733;&#9733;</div>
        <blockquote class="tm-fin-q">"Auto-invest, auto-rebalance, <em>zero decision fatigue</em>. My portfolio grows while I sleep. That's the deal I always wanted."</blockquote>
        <figcaption class="tm-fin-author">
          <span class="tm-fin-av tm-fin-av-t" aria-hidden="true">RO</span>
          <span><cite class="tm-fin-an">Remi Okafor</cite><span class="tm-fin-ar">Passive investor</span></span>
        </figcaption>
      </article>

      <div class="tm-fin-trust-score-card">
        <div class="tm-fin-tsc-num">4.97</div>
        <div class="tm-fin-tsc-lbl">Trust score</div>
        <span class="tm-fin-tsc-line" aria-hidden="true"></span>
        <div class="tm-fin-tsc-count">286,000 verified accounts</div>
      </div>
    </div>
  </div>
</section>

/* Fintech Trust — navy compliance header on top, blue-toned card grid
   below, ROI callout in the featured card animates in numerically via
   a static gradient backdrop (no JS counter here — the visible number
   is pre-rendered). Pulsing trust dot in the header signals "live
   monitoring". */
.tm-fin {
  --tm-fin-bg:     #f0f4fa;
  --tm-fin-white:  #ffffff;
  --tm-fin-navy:   #0f1f3d;
  --tm-fin-blue:   #1d4ed8;
  --tm-fin-teal:   #0d9488;
  --tm-fin-green:  #16a34a;
  --tm-fin-amber:  #d97706;
  --tm-fin-red:    #dc2626;
  --tm-fin-text:   #0f1f3d;
  --tm-fin-muted:  #64748b;
  --tm-fin-border: #e2e8f0;
  background: var(--tm-fin-bg);
  font-family: 'Inter', system-ui, sans-serif;
  color: var(--tm-fin-text);
  min-height: 520px;
}
.tm-fin-bank-header {
  background: var(--tm-fin-navy);
  padding: 14px clamp(20px, 4vw, 48px);
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
}
.tm-fin-bh-logo {
  display: flex;
  align-items: center;
  gap: 10px;
}
.tm-fin-bh-icon {
  width: 30px;
  height: 30px;
  background: linear-gradient(135deg, #3b82f6, #1d4ed8);
  border-radius: 6px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 14px;
}
.tm-fin-bh-name {
  font-family: 'Instrument Serif', Georgia, serif;
  font-size: 16px;
  letter-spacing: 0.04em;
  color: #fff;
}
.tm-fin-bh-tagline {
  font-size: 9px;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.35);
  margin-top: 2px;
}
.tm-fin-bh-trust {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 10px;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.45);
}
.tm-fin-bh-trust-dot {
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: #22c55e;
  animation: tm-fin-trustpulse 2.5s infinite;
}
@keyframes tm-fin-trustpulse {
  0%, 100% { opacity: 1; }
  50%      { opacity: 0.4; }
}
.tm-fin-section { padding: clamp(28px, 4vw, 44px); }
.tm-fin-trust-banner {
  background: var(--tm-fin-navy);
  border-radius: 8px;
  padding: 20px 24px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 22px;
  flex-wrap: wrap;
  gap: 16px;
}
.tm-fin-tb-left {
  display: flex;
  align-items: center;
  gap: 18px;
}
.tm-fin-tb-shield {
  width: 44px;
  height: 44px;
  background: rgba(59,130,246,0.15);
  border: 1px solid rgba(59,130,246,0.3);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 20px;
}
.tm-fin-tb-title {
  font-family: 'Instrument Serif', Georgia, serif;
  font-size: 1.2rem;
  color: #fff;
  line-height: 1.2;
}
.tm-fin-tb-sub {
  font-size: 10px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.35);
  margin-top: 3px;
}
.tm-fin-tb-stats { display: flex; gap: 26px; }
.tm-fin-tb-stat { text-align: center; }
.tm-fin-tb-val {
  font-family: 'JetBrains Mono', ui-monospace, monospace;
  font-size: 1.25rem;
  font-weight: 500;
  line-height: 1;
}
.tm-fin-tb-lbl {
  font-size: 9px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.35);
  margin-top: 4px;
}
.tm-fin-green .tm-fin-tb-val { color: #22c55e; }
.tm-fin-blue .tm-fin-tb-val  { color: #60a5fa; }
.tm-fin-amber .tm-fin-tb-val { color: #fbbf24; }
.tm-fin-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr;
  gap: 14px;
  margin-bottom: 14px;
}
.tm-fin-col {
  display: flex;
  flex-direction: column;
  gap: 14px;
}
.tm-fin-grid2 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 14px;
}
.tm-fin-card {
  background: var(--tm-fin-white);
  border: 1px solid var(--tm-fin-border);
  border-radius: 8px;
  padding: 24px 22px;
  position: relative;
  overflow: hidden;
  transition: all 0.3s ease;
  box-shadow: 0 1px 3px rgba(0,0,0,0.04);
  animation: tm-fin-risein 0.7s ease both;
  display: flex;
  flex-direction: column;
}
.tm-fin-card:hover {
  border-color: #bfdbfe;
  box-shadow: 0 8px 24px rgba(29,78,216,0.08);
  transform: translateY(-2px);
}
.tm-fin-card:nth-child(1) { animation-delay: 0.04s; }
.tm-fin-card:nth-child(2) { animation-delay: 0.10s; }
.tm-fin-card:nth-child(3) { animation-delay: 0.16s; }
@keyframes tm-fin-risein {
  from { opacity: 0; transform: translateY(14px); }
  to   { opacity: 1; transform: translateY(0); }
}
.tm-fin-feat .tm-fin-q { font-size: 1.1rem; flex: 1; }
.tm-fin-prod-tag {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 9px;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  padding: 4px 10px;
  border-radius: 20px;
  margin-bottom: 14px;
  width: fit-content;
}
.tm-fin-tag-invest { background: rgba(13,148,136,0.1);  color: var(--tm-fin-teal);  border: 1px solid rgba(13,148,136,0.2); }
.tm-fin-tag-loan   { background: rgba(29,78,216,0.08);  color: var(--tm-fin-blue);  border: 1px solid rgba(29,78,216,0.15); }
.tm-fin-tag-save   { background: rgba(22,163,74,0.08);  color: var(--tm-fin-green); border: 1px solid rgba(22,163,74,0.15); }
.tm-fin-tag-trade  { background: rgba(217,119,6,0.08);  color: var(--tm-fin-amber); border: 1px solid rgba(217,119,6,0.15); }
.tm-fin-stars {
  display: flex;
  gap: 2px;
  margin-bottom: 12px;
  font-size: 12px;
  color: var(--tm-fin-amber);
}
.tm-fin-q {
  font-family: 'Instrument Serif', Georgia, serif;
  font-style: italic;
  font-size: 0.98rem;
  line-height: 1.6;
  color: var(--tm-fin-text);
  margin: 0 0 18px;
}
.tm-fin-q em { font-style: normal; font-weight: 400; color: var(--tm-fin-blue); }
.tm-fin-author {
  display: flex;
  align-items: center;
  gap: 10px;
  border-top: 1px solid var(--tm-fin-border);
  padding-top: 14px;
  margin-top: auto;
}
.tm-fin-av {
  width: 34px;
  height: 34px;
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 11px;
  font-weight: 600;
  flex-shrink: 0;
}
.tm-fin-av-t { background: rgba(13,148,136,0.1);  color: var(--tm-fin-teal); }
.tm-fin-av-b { background: rgba(29,78,216,0.1);   color: var(--tm-fin-blue); }
.tm-fin-av-g { background: rgba(22,163,74,0.1);   color: var(--tm-fin-green); }
.tm-fin-av-a { background: rgba(217,119,6,0.1);   color: var(--tm-fin-amber); }
.tm-fin-an {
  font-size: 12px;
  font-weight: 600;
  font-style: normal;
  color: var(--tm-fin-text);
  line-height: 1.3;
  display: block;
}
.tm-fin-ar { font-size: 10px; color: var(--tm-fin-muted); margin-top: 2px; }
.tm-fin-roi-box {
  background: linear-gradient(135deg, rgba(13,148,136,0.06), rgba(22,163,74,0.06));
  border: 1px solid rgba(13,148,136,0.15);
  border-radius: 6px;
  padding: 12px 14px;
  margin-bottom: 16px;
  display: flex;
  align-items: center;
  gap: 16px;
}
.tm-fin-roi-num {
  font-family: 'JetBrains Mono', ui-monospace, monospace;
  font-size: 1.4rem;
  font-weight: 500;
  color: var(--tm-fin-teal);
  line-height: 1;
}
.tm-fin-roi-lbl {
  font-size: 9px;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--tm-fin-muted);
  margin-top: 2px;
}
.tm-fin-roi-bench {
  font-size: 0.75rem;
  color: var(--tm-fin-muted);
  font-weight: 300;
}
.tm-fin-verified {
  position: absolute;
  top: 18px;
  right: 18px;
  display: flex;
  align-items: center;
  gap: 4px;
  font-size: 8px;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--tm-fin-green);
  background: rgba(22,163,74,0.08);
  border: 1px solid rgba(22,163,74,0.2);
  padding: 3px 7px;
  border-radius: 20px;
}
.tm-fin-v-dot {
  width: 5px;
  height: 5px;
  background: var(--tm-fin-green);
  border-radius: 50%;
}
.tm-fin-trust-score-card {
  background: var(--tm-fin-navy);
  border-color: transparent;
  border-radius: 8px;
  padding: 24px 22px;
  display: flex;
  flex-direction: column;
  justify-content: center;
  align-items: center;
  text-align: center;
  animation: tm-fin-risein 0.7s ease 0.22s both;
}
.tm-fin-tsc-num {
  font-family: 'JetBrains Mono', ui-monospace, monospace;
  font-size: 2.4rem;
  font-weight: 500;
  color: #60a5fa;
  line-height: 1;
}
.tm-fin-tsc-lbl {
  font-size: 9px;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.3);
  margin-top: 8px;
}
.tm-fin-tsc-line {
  display: block;
  width: 40px;
  height: 1px;
  background: rgba(255,255,255,0.1);
  margin: 14px auto;
}
.tm-fin-tsc-count {
  font-size: 10px;
  color: rgba(255,255,255,0.3);
  letter-spacing: 0.08em;
}
@media (max-width: 820px) {
  .tm-fin-grid  { grid-template-columns: 1fr; }
  .tm-fin-grid2 { grid-template-columns: 1fr; }
}
@media (prefers-reduced-motion: reduce) {
  .tm-fin-card, .tm-fin-trust-score-card { animation: none; }
  .tm-fin-card:hover { transform: none; }
  .tm-fin-bh-trust-dot { animation: none; }
}