/* ============================================================
   Trelawny Co-operative Credit Union — Design System
   Warm, community-rooted, member-first. Green + gold brand.
   ============================================================ */

/* ---- Fonts ---- */
@import url('https://fonts.googleapis.com/css2?family=Newsreader:opsz,wght@6..72,400;6..72,500;6..72,600;6..72,700&family=Hanken+Grotesk:wght@400;500;600;700;800&display=swap');

/* ============================================================
   Tokens
   ============================================================ */
:root {
  /* Brand blues (TCCU blue + white) */
  --green-900: #0a2c52;  /* deepest navy */
  --green-800: #0c3a68;
  --green-700: #0e4d8a;  /* primary brand */
  --green-600: #1565ad;
  --green-500: #2a8fe0;
  --green-100: #e3eef9;
  --green-50:  #f0f6fc;

  /* Bright-blue accent (CTA) */
  --gold-600: #0d63b0;
  --gold-500: #1684e0;
  --gold-400: #4ba3ee;
  --gold-100: #d3e6f8;
  --gold-50:  #eef5fc;

  /* Cool neutrals (clean white + blue-grey) */
  --paper:   #ffffff;
  --paper-2: #f3f6fa;
  --surface: #ffffff;
  --ink:     #1b1f27;
  --ink-2:   #474c55;
  --ink-3:   #6d7480;
  --line:    #e5e9ef;
  --line-2:  #d3d9e2;

  /* Semantic */
  --bg: var(--paper);
  --text: var(--ink);
  --text-muted: var(--ink-2);
  --brand: var(--green-700);
  --brand-deep: var(--green-900);
  --accent: var(--gold-500);
  --accent-deep: var(--gold-600);
  --border: var(--line);

  /* Status */
  --info: #2a6fdb;
  --success: var(--green-600);

  /* Type */
  --font-sans: 'Hanken Grotesk', system-ui, -apple-system, sans-serif;
  --font-display: 'Hanken Grotesk', system-ui, -apple-system, sans-serif;

  /* Radii */
  --r-sm: 8px;
  --r-md: 12px;
  --r-lg: 18px;
  --r-xl: 26px;
  --r-pill: 999px;

  /* Shadow */
  --shadow-sm: 0 1px 2px rgba(31,32,27,.06), 0 1px 3px rgba(31,32,27,.05);
  --shadow-md: 0 4px 14px rgba(31,32,27,.08), 0 2px 6px rgba(31,32,27,.05);
  --shadow-lg: 0 18px 48px rgba(10,44,82,.16), 0 6px 16px rgba(31,32,27,.08);

  /* Layout */
  --maxw: 1200px;
  --gutter: clamp(18px, 4vw, 40px);
}

/* ============================================================
   Reset / base
   ============================================================ */
*, *::before, *::after { box-sizing: border-box; }
* { margin: 0; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body {
  font-family: var(--font-sans);
  color: var(--text);
  background: var(--bg);
  line-height: 1.6;
  font-size: 17px;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
img, svg, picture, video { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
button, input, select, textarea { font: inherit; color: inherit; }
button { cursor: pointer; background: none; border: none; }
ul, ol { list-style: none; padding: 0; }
li { list-style: none; }
:focus-visible { outline: 3px solid var(--gold-400); outline-offset: 2px; border-radius: 4px; }

/* ============================================================
   Typography
   ============================================================ */
h1, h2, h3, h4 { font-family: var(--font-display); font-weight: 700; line-height: 1.12; color: var(--ink); letter-spacing: -.02em; }
h1 { font-size: clamp(2.4rem, 5.2vw, 3.9rem); font-weight: 800; }
h2 { font-size: clamp(1.9rem, 3.8vw, 2.8rem); }
h3 { font-size: clamp(1.3rem, 2.2vw, 1.6rem); }
h4 { font-size: 1.15rem; }
p { text-wrap: pretty; }
.lead { font-size: clamp(1.05rem, 1.6vw, 1.3rem); color: var(--text-muted); line-height: 1.55; }
.eyebrow {
  font-family: var(--font-sans);
  font-weight: 700; font-size: .8rem; letter-spacing: .12em; text-transform: uppercase;
  color: var(--brand); display: inline-flex; align-items: center; gap: .5rem;
}
.eyebrow.on-dark { color: var(--gold-400); }
.eyebrow::before { content: ""; width: 22px; height: 2px; background: currentColor; display: inline-block; }

/* ============================================================
   Layout
   ============================================================ */
.container { width: 100%; max-width: var(--maxw); margin-inline: auto; padding-inline: var(--gutter); }
.container-wide { max-width: 1340px; }
section { position: relative; }
.section { padding-block: clamp(48px, 7vw, 96px); }
.section-tight { padding-block: clamp(36px, 5vw, 64px); }
.bg-paper2 { background: var(--paper-2); }
.bg-green { background: var(--green-800); color: #e8f1fb; }
.bg-green-deep { background: var(--brand-deep); color: #e8f1fb; }
.bg-surface { background: var(--surface); }
.stack > * + * { margin-top: 1rem; }
.section-head { max-width: 640px; }
.section-head.center { margin-inline: auto; text-align: center; }
.section-head .lead { margin-top: .85rem; }

/* ============================================================
   Buttons
   ============================================================ */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .55rem;
  font-weight: 700; font-size: 1rem; line-height: 1;
  padding: .92rem 1.5rem; border-radius: var(--r-pill);
  border: 1.5px solid transparent; cursor: pointer;
  transition: transform .12s ease, background .18s ease, box-shadow .18s ease, border-color .18s ease;
  white-space: nowrap;
}
.btn:active { transform: translateY(1px); }
.btn svg { width: 1.1em; height: 1.1em; }
.btn-accent { background: var(--accent); color: #fff; box-shadow: 0 2px 0 var(--accent-deep); }
.btn-accent:hover { background: var(--gold-400); box-shadow: 0 4px 14px rgba(13,99,176,.35); }
.btn-primary { background: var(--brand); color: #fff; }
.btn-primary:hover { background: var(--green-600); box-shadow: var(--shadow-md); }
.btn-outline { background: transparent; color: var(--brand); border-color: var(--line-2); }
.btn-outline:hover { border-color: var(--brand); background: var(--green-50); }
.btn-ghost-light { background: rgba(255,255,255,.12); color: #fff; border-color: rgba(255,255,255,.4); }
.btn-ghost-light:hover { background: rgba(255,255,255,.2); }
.btn-lg { padding: 1.05rem 1.9rem; font-size: 1.08rem; }
.btn-sm { padding: .6rem 1rem; font-size: .9rem; }
.btn-block { width: 100%; }
.link-arrow { display: inline-flex; align-items: center; gap: .4rem; font-weight: 700; color: var(--brand); }
.link-arrow svg { width: 1.05em; height: 1.05em; transition: transform .16s ease; }
.link-arrow:hover svg { transform: translateX(3px); }

/* ============================================================
   Utility bar + Header / Nav
   ============================================================ */
.utility-bar { background: var(--brand-deep); color: #cfe1f2; font-size: .85rem; }
.utility-bar .container { display: flex; align-items: center; justify-content: flex-end; gap: 1.4rem; min-height: 40px; flex-wrap: wrap; }
.utility-bar a { display: inline-flex; align-items: center; gap: .4rem; padding: .35rem 0; color: #cfe1f2; white-space: nowrap; }
.utility-bar a:hover { color: #fff; }
.utility-bar svg { width: 15px; height: 15px; }
.utility-bar .sep { width: 1px; height: 16px; background: rgba(255,255,255,.18); }
.utility-bar .util-spacer { margin-right: auto; }

.site-header { position: sticky; top: 0; z-index: 60; background: rgba(255,255,255,.92); backdrop-filter: blur(10px); border-bottom: 1px solid var(--line); }
.header-inner { display: flex; align-items: center; gap: 1.5rem; min-height: 76px; }
.brand-logo { display: flex; align-items: center; gap: .7rem; flex-shrink: 0; }
.nav-primary { display: flex; align-items: center; gap: .15rem; margin-left: auto; }
.nav-primary > li > a, .nav-trigger {
  display: inline-flex; align-items: center; gap: .35rem;
  padding: .6rem .8rem; border-radius: var(--r-sm); font-weight: 600; font-size: .98rem; color: var(--ink-2);
  transition: color .15s, background .15s;
}
.nav-primary > li > a:hover, .nav-trigger:hover, .nav-item.open .nav-trigger { color: var(--brand); background: var(--green-50); }
.nav-trigger svg { width: 16px; height: 16px; transition: transform .2s; }
.nav-item.open .nav-trigger svg { transform: rotate(180deg); }
.header-actions { display: flex; align-items: center; gap: .6rem; flex-shrink: 0; }

/* Mega menu */
.nav-item { position: static; }
.mega {
  position: absolute; left: 0; right: 0; top: 100%;
  background: var(--surface); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line);
  box-shadow: var(--shadow-lg);
  opacity: 0; visibility: hidden; transform: translateY(-8px);
  transition: opacity .18s ease, transform .18s ease, visibility .18s;
  z-index: 55;
}
.nav-item.open .mega { opacity: 1; visibility: visible; transform: translateY(0); }
.mega-grid { display: grid; grid-template-columns: 1.3fr 1fr 1fr .9fr; gap: clamp(1.5rem, 3vw, 3rem); padding-block: 2.2rem; }
.mega-col h5 { font-family: var(--font-sans); font-size: .78rem; letter-spacing: .1em; text-transform: uppercase; color: var(--ink-3); margin-bottom: .9rem; }
.mega-link { display: flex; gap: .75rem; padding: .55rem .6rem; border-radius: var(--r-sm); transition: background .14s; }
.mega-link:hover { background: var(--paper-2); }
.mega-link .mi { width: 36px; height: 36px; border-radius: 9px; background: var(--green-50); color: var(--brand); display: grid; place-items: center; flex-shrink: 0; }
.mega-link .mi svg { width: 19px; height: 19px; }
.mega-link b { display: block; font-weight: 700; font-size: .96rem; color: var(--ink); }
.mega-link span { font-size: .84rem; color: var(--ink-3); line-height: 1.4; }
.mega-feature { background: linear-gradient(160deg, var(--green-700), var(--green-900)); color: #fff; border-radius: var(--r-lg); padding: 1.5rem; display: flex; flex-direction: column; justify-content: space-between; gap: 1rem; }
.mega-feature h4 { color: #fff; font-size: 1.3rem; }
.mega-feature p { color: #cfe1f2; font-size: .9rem; }

/* Mobile nav toggle */
.nav-toggle { display: none; width: 46px; height: 46px; border-radius: var(--r-sm); align-items: center; justify-content: center; border: 1px solid var(--line); }
.nav-toggle svg { width: 24px; height: 24px; }

/* ============================================================
   Notice strip
   ============================================================ */
.notice-strip { background: var(--gold-50); border-bottom: 1px solid var(--gold-100); }
.notice-strip .container { display: flex; align-items: center; gap: 1rem; min-height: 52px; padding-block: .5rem; }
.notice-badge { background: var(--accent); color: #fff; font-weight: 800; font-size: .72rem; letter-spacing: .05em; text-transform: uppercase; padding: .3rem .65rem; border-radius: var(--r-pill); white-space: nowrap; }
.notice-strip p { font-size: .95rem; color: var(--ink-2); flex: 1; min-width: 0; }
.notice-strip a { color: var(--brand); font-weight: 700; text-decoration: underline; text-underline-offset: 2px; }
.notice-close { width: 34px; height: 34px; border-radius: 50%; display: grid; place-items: center; color: var(--ink-3); flex-shrink: 0; }
.notice-close:hover { background: var(--gold-100); color: var(--ink); }

/* ============================================================
   Hero
   ============================================================ */
.hero { position: relative; isolation: isolate; overflow: hidden; background: linear-gradient(120deg, var(--green-900), var(--green-700)); }
.hero-media { position: absolute; inset: 0; z-index: -2; }
.hero-media image-slot, .hero-media img { width: 100%; height: 100%; object-fit: cover; }
.hero::after { content: ""; position: absolute; inset: 0; z-index: -1; background: linear-gradient(100deg, rgba(10,44,82,.92) 0%, rgba(10,44,82,.74) 42%, rgba(10,44,82,.28) 100%); }
.hero-inner { padding-block: clamp(64px, 11vw, 132px); max-width: 660px; color: #fff; }
.hero h1 { color: #fff; }
.hero .lead { color: #dbe8f6; margin-top: 1.1rem; }
.hero-cta { display: flex; flex-wrap: wrap; gap: .8rem; margin-top: 2rem; }
.hero-trust { display: flex; flex-wrap: wrap; gap: 1.4rem; margin-top: 2.2rem; color: #cfe1f2; font-size: .9rem; }
.hero-trust span { display: inline-flex; align-items: center; gap: .45rem; }
.hero-trust svg { width: 18px; height: 18px; color: var(--gold-400); }

/* ============================================================
   Quick-action bar
   ============================================================ */
.quick-bar { position: relative; z-index: 5; margin-top: -42px; }
.quick-card { background: var(--surface); border-radius: var(--r-lg); box-shadow: var(--shadow-lg); padding: .7rem; display: grid; grid-template-columns: repeat(5, 1fr); gap: .4rem; }
.quick-tile { display: flex; flex-direction: column; align-items: center; gap: .6rem; text-align: center; padding: 1.2rem .6rem; border-radius: var(--r-md); transition: background .15s, transform .15s; }
.quick-tile:hover { background: var(--green-50); transform: translateY(-2px); }
.quick-tile .qi { width: 50px; height: 50px; border-radius: 14px; display: grid; place-items: center; background: var(--green-50); color: var(--brand); }
.quick-tile:hover .qi { background: var(--brand); color: #fff; }
.quick-tile .qi svg { width: 25px; height: 25px; }
.quick-tile b { font-size: .96rem; font-weight: 700; color: var(--ink); }
.quick-label-sub { font-size: .78rem; color: var(--ink-3); }

/* ============================================================
   Cards / product grid
   ============================================================ */
.grid { display: grid; gap: clamp(1rem, 2vw, 1.6rem); }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }

.product-card {
  background: var(--surface); border: 1px solid var(--line); border-radius: var(--r-lg);
  padding: 1.6rem; display: flex; flex-direction: column; gap: .7rem;
  transition: transform .16s ease, box-shadow .18s ease, border-color .18s ease;
}
.product-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); border-color: transparent; }
.product-card .pi { width: 54px; height: 54px; border-radius: 15px; background: var(--green-50); color: var(--brand); display: grid; place-items: center; margin-bottom: .3rem; }
.product-card .pi svg { width: 27px; height: 27px; }
.product-card h3 { font-size: 1.3rem; }
.product-card p { color: var(--ink-2); font-size: .96rem; flex: 1; }
.product-card .link-arrow { margin-top: .3rem; }

.card { background: var(--surface); border: 1px solid var(--line); border-radius: var(--r-lg); overflow: hidden; }
.card-pad { padding: 1.5rem; }

/* ============================================================
   Stats / Why TCCU
   ============================================================ */
.stat-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: clamp(1rem, 2.5vw, 2.2rem); }
.stat .num { font-family: var(--font-display); font-size: clamp(2.4rem, 4.5vw, 3.4rem); font-weight: 600; color: var(--gold-400); line-height: 1; }
.stat .lbl { margin-top: .5rem; font-weight: 600; color: #fff; }
.stat .desc { color: #b7cce6; font-size: .9rem; margin-top: .2rem; }

.benefit { display: flex; gap: 1rem; }
.benefit .bi { width: 48px; height: 48px; border-radius: 13px; background: var(--green-100); color: var(--brand); display: grid; place-items: center; flex-shrink: 0; }
.benefit .bi svg { width: 24px; height: 24px; }
.benefit h4 { margin-bottom: .25rem; }
.benefit p { color: var(--ink-2); font-size: .95rem; }

/* ============================================================
   Calculator
   ============================================================ */
.calc { background: var(--surface); border: 1px solid var(--line); border-radius: var(--r-xl); box-shadow: var(--shadow-md); overflow: hidden; }
.calc-grid { display: grid; grid-template-columns: 1.1fr 1fr; }
.calc-inputs { padding: clamp(1.5rem, 3vw, 2.4rem); }
.calc-result { background: linear-gradient(165deg, var(--green-700), var(--green-900)); color: #fff; padding: clamp(1.5rem, 3vw, 2.4rem); display: flex; flex-direction: column; justify-content: center; gap: 1.2rem; }
.preset-row { display: flex; flex-wrap: wrap; gap: .5rem; margin-bottom: 1.4rem; }
.preset { padding: .5rem .9rem; border-radius: var(--r-pill); border: 1.5px solid var(--line-2); font-weight: 600; font-size: .88rem; color: var(--ink-2); transition: all .15s; }
.preset:hover { border-color: var(--brand); color: var(--brand); }
.preset.active { background: var(--brand); border-color: var(--brand); color: #fff; }
.field { margin-bottom: 1.2rem; }
.field label { display: flex; justify-content: space-between; font-weight: 600; font-size: .92rem; margin-bottom: .5rem; }
.field label .hint { color: var(--ink-3); font-weight: 500; }
.input-wrap { position: relative; }
.input-prefix { position: absolute; left: 1rem; top: 50%; transform: translateY(-50%); color: var(--ink-3); font-weight: 700; pointer-events: none; }
input[type="text"], input[type="number"], input[type="email"], input[type="tel"], input[type="date"], select, textarea {
  width: 100%; padding: .85rem 1rem; border: 1.5px solid var(--line-2); border-radius: var(--r-md);
  background: var(--paper); font-size: 1rem; transition: border-color .15s, box-shadow .15s;
}
.input-wrap input { padding-left: 2.2rem; }
input:focus, select:focus, textarea:focus { outline: none; border-color: var(--brand); box-shadow: 0 0 0 3px var(--green-100); }
input[type="range"] { width: 100%; accent-color: var(--brand); height: 6px; padding: 0; margin-top: .3rem; }
.result-line { display: flex; justify-content: space-between; align-items: baseline; padding-bottom: 1rem; border-bottom: 1px solid rgba(255,255,255,.15); }
.result-line:last-child { border: none; padding-bottom: 0; }
.result-line .rl { color: #cfe1f2; font-size: .95rem; }
.result-big .val { font-family: var(--font-display); font-size: clamp(2.2rem, 4vw, 3rem); font-weight: 600; color: var(--gold-400); line-height: 1; }
.result-line .val { font-weight: 700; font-size: 1.15rem; }
.calc-note { font-size: .8rem; color: var(--ink-3); margin-top: 1rem; }

/* ============================================================
   How-to guide cards
   ============================================================ */
.howto-card { background: var(--surface); border: 1px solid var(--line); border-radius: var(--r-lg); padding: 1.4rem; transition: box-shadow .18s, transform .16s; }
.howto-card:hover { box-shadow: var(--shadow-md); transform: translateY(-3px); }
.howto-step { font-family: var(--font-display); font-size: 1.5rem; color: var(--gold-500); font-weight: 600; }
.howto-card h4 { margin: .5rem 0 .3rem; }
.howto-card p { color: var(--ink-2); font-size: .92rem; }
.howto-card .link-arrow { margin-top: .9rem; font-size: .9rem; }

/* ============================================================
   News / happenings
   ============================================================ */
.news-card { background: var(--surface); border: 1px solid var(--line); border-radius: var(--r-lg); overflow: hidden; display: flex; flex-direction: column; transition: transform .16s, box-shadow .18s; }
.news-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.news-thumb { aspect-ratio: 16/10; background: var(--paper-2); position: relative; }
.news-thumb image-slot, .news-thumb img { width: 100%; height: 100%; object-fit: cover; }
.news-tag { position: absolute; top: .8rem; left: .8rem; background: rgba(255,255,255,.95); color: var(--brand); font-weight: 700; font-size: .72rem; letter-spacing: .05em; text-transform: uppercase; padding: .3rem .6rem; border-radius: var(--r-pill); }
.news-body { padding: 1.3rem; display: flex; flex-direction: column; gap: .5rem; flex: 1; }
.news-date { font-size: .82rem; color: var(--ink-3); font-weight: 600; }
.news-body h4 { font-size: 1.2rem; line-height: 1.25; }
.news-body p { color: var(--ink-2); font-size: .92rem; flex: 1; }

/* ============================================================
   FAQ accordion
   ============================================================ */
.accordion { border-top: 1px solid var(--line); }
.acc-item { border-bottom: 1px solid var(--line); }
.acc-trigger { width: 100%; display: flex; align-items: center; justify-content: space-between; gap: 1rem; padding: 1.35rem 0; text-align: left; font-family: var(--font-display); font-size: 1.18rem; font-weight: 600; color: var(--ink); }
.acc-trigger:hover { color: var(--brand); }
.acc-icon { width: 32px; height: 32px; border-radius: 50%; border: 1.5px solid var(--line-2); display: grid; place-items: center; flex-shrink: 0; transition: transform .2s, background .2s, border-color .2s; }
.acc-icon svg { width: 17px; height: 17px; }
.acc-item.open .acc-icon { background: var(--brand); border-color: var(--brand); color: #fff; transform: rotate(45deg); }
.acc-panel { overflow: hidden; max-height: 0; transition: max-height .3s ease; }
.acc-panel-inner { padding-bottom: 1.4rem; color: var(--ink-2); max-width: 65ch; }

/* ============================================================
   Branch cards
   ============================================================ */
.branch-card { background: var(--surface); border: 1px solid var(--line); border-radius: var(--r-lg); overflow: hidden; }
.branch-map { aspect-ratio: 16/7; background: var(--green-50); position: relative; }
.branch-map image-slot, .branch-map img { width: 100%; height: 100%; object-fit: cover; }
.branch-body { padding: 1.5rem; }
.branch-body h3 { margin-bottom: .2rem; }
.branch-tag { font-size: .8rem; font-weight: 700; color: var(--brand); text-transform: uppercase; letter-spacing: .06em; }
.branch-meta { display: flex; flex-direction: column; gap: .65rem; margin: 1rem 0 1.2rem; }
.branch-meta li { display: flex; gap: .7rem; align-items: flex-start; font-size: .95rem; color: var(--ink-2); }
.branch-meta svg { width: 18px; height: 18px; color: var(--brand); flex-shrink: 0; margin-top: .15rem; }
.branch-actions { display: flex; gap: .6rem; flex-wrap: wrap; }

/* ============================================================
   CTA band
   ============================================================ */
.cta-band { background: linear-gradient(135deg, var(--green-700), var(--green-900)); color: #fff; border-radius: var(--r-xl); padding: clamp(2.2rem, 5vw, 3.6rem); text-align: center; position: relative; overflow: hidden; }
.cta-band::before { content: ""; position: absolute; inset: 0; background: radial-gradient(circle at 85% 15%, rgba(42,143,224,.30), transparent 45%); }
.cta-band > * { position: relative; }
.cta-band h2 { color: #fff; }
.cta-band p { color: #d4e4f6; max-width: 52ch; margin: .9rem auto 0; }
.cta-actions { display: flex; gap: .8rem; justify-content: center; flex-wrap: wrap; margin-top: 1.8rem; }

/* ============================================================
   Footer
   ============================================================ */
.site-footer { background: var(--brand-deep); color: #b7cce6; }
.footer-main { display: grid; grid-template-columns: 1.4fr repeat(4, 1fr); gap: clamp(1.5rem, 3vw, 2.5rem); padding-block: clamp(2.5rem, 5vw, 4rem); }
.footer-logo { height: 64px; width: auto; display: block; }
.footer-about p { font-size: .92rem; margin: 1rem 0; max-width: 32ch; }
.footer-social { display: flex; gap: .6rem; }
.footer-social a { width: 40px; height: 40px; border-radius: 50%; background: rgba(255,255,255,.08); display: grid; place-items: center; color: #cfe1f2; transition: background .15s, color .15s; }
.footer-social a:hover { background: var(--gold-500); color: #fff; }
.footer-social svg { width: 19px; height: 19px; }
.footer-col h5 { color: #fff; font-family: var(--font-sans); font-size: .82rem; letter-spacing: .08em; text-transform: uppercase; margin-bottom: 1rem; }
.footer-col li { margin-bottom: .6rem; }
.footer-col a { font-size: .92rem; color: #b7cce6; }
.footer-col a:hover { color: #fff; text-decoration: underline; text-underline-offset: 2px; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.12); padding-block: 1.4rem; display: flex; flex-wrap: wrap; gap: 1rem; justify-content: space-between; align-items: center; font-size: .85rem; }
.footer-bottom .legal-links { display: flex; gap: 1.2rem; flex-wrap: wrap; }
.footer-bottom a:hover { color: #fff; }
.reg-note { font-size: .8rem; color: #8ba6c8; max-width: 70ch; line-height: 1.5; }

/* ============================================================
   Tables (rates)
   ============================================================ */
.rate-table { width: 100%; border-collapse: collapse; background: var(--surface); border-radius: var(--r-lg); overflow: hidden; box-shadow: var(--shadow-sm); }
.rate-table th, .rate-table td { padding: 1rem 1.2rem; text-align: left; border-bottom: 1px solid var(--line); }
.rate-table thead th { background: var(--green-800); color: #e8f1fb; font-size: .82rem; letter-spacing: .05em; text-transform: uppercase; font-weight: 700; }
.rate-table tbody tr:hover { background: var(--green-50); }
.rate-table td.num, .rate-table th.num { text-align: right; font-variant-numeric: tabular-nums; }
.rate-table .prod { font-weight: 700; color: var(--ink); }

/* ============================================================
   Helpers
   ============================================================ */
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0; }
.skip-link { position: absolute; left: 1rem; top: -60px; background: var(--brand); color: #fff; padding: .7rem 1.2rem; border-radius: var(--r-sm); z-index: 100; transition: top .15s; }
.skip-link:focus { top: 1rem; }
.pill-tag { display: inline-flex; align-items: center; gap: .4rem; background: var(--green-50); color: var(--brand); font-weight: 700; font-size: .8rem; padding: .35rem .75rem; border-radius: var(--r-pill); }
.divider { height: 1px; background: var(--line); border: none; }
.mt-0 { margin-top: 0; } .text-center { text-align: center; }

/* ============================================================
   Reveal on scroll
   ============================================================ */
@media (prefers-reduced-motion: no-preference) {
  .reveal { opacity: 0; transform: translateY(22px); transition: opacity .6s ease, transform .6s ease; }
  .reveal.in { opacity: 1; transform: none; }
}

/* ============================================================
   Responsive
   ============================================================ */
@media (max-width: 1024px) {
  .mega-grid { grid-template-columns: 1fr 1fr; }
  .footer-main { grid-template-columns: 1fr 1fr 1fr; }
  .footer-about { grid-column: 1 / -1; }
}
@media (max-width: 860px) {
  .nav-primary, .header-actions .btn-outline { display: none; }
  .nav-toggle { display: inline-flex; }
  .quick-card { grid-template-columns: repeat(2, 1fr); }
  .grid-3, .grid-4, .stat-grid { grid-template-columns: repeat(2, 1fr); }
  .calc-grid { grid-template-columns: 1fr; }
  .branch-grid { grid-template-columns: 1fr !important; }
}
@media (max-width: 560px) {
  body { font-size: 16px; }
  .grid-2, .grid-3, .grid-4, .stat-grid, .footer-main { grid-template-columns: 1fr; }
  .quick-card { grid-template-columns: repeat(2, 1fr); }
  .hero-cta .btn { flex: 1; }
  .footer-about { grid-column: auto; }
}

/* ============================================================
   Mobile drawer
   ============================================================ */
.mobile-drawer { position: fixed; inset: 0; z-index: 90; visibility: hidden; }
.mobile-drawer.open { visibility: visible; }
.drawer-scrim { position: absolute; inset: 0; background: rgba(10,44,82,.45); opacity: 0; transition: opacity .25s; }
.mobile-drawer.open .drawer-scrim { opacity: 1; }
.drawer-panel { position: absolute; right: 0; top: 0; bottom: 0; width: min(360px, 86vw); background: var(--surface); box-shadow: var(--shadow-lg); transform: translateX(100%); transition: transform .28s ease; display: flex; flex-direction: column; overflow-y: auto; }
.mobile-drawer.open .drawer-panel { transform: none; }
.drawer-head { display: flex; align-items: center; justify-content: space-between; padding: 1.1rem 1.3rem; border-bottom: 1px solid var(--line); position: sticky; top: 0; background: var(--surface); }
.drawer-nav { padding: 1rem 1.3rem; }
.drawer-nav details { border-bottom: 1px solid var(--line); }
.drawer-nav summary { padding: .9rem 0; font-weight: 700; font-size: 1.05rem; display: flex; justify-content: space-between; align-items: center; cursor: pointer; list-style: none; }
.drawer-nav summary::-webkit-details-marker { display: none; }
.drawer-nav summary .chev { transition: transform .2s; }
.drawer-nav details[open] summary .chev { transform: rotate(180deg); }
.drawer-nav .sub-link { display: block; padding: .55rem 0 .55rem .4rem; color: var(--ink-2); font-size: .96rem; }
.drawer-nav > a { display: block; padding: .9rem 0; font-weight: 700; font-size: 1.05rem; border-bottom: 1px solid var(--line); }
.drawer-foot { padding: 1.3rem; margin-top: auto; display: flex; flex-direction: column; gap: .6rem; border-top: 1px solid var(--line); }

/* ============================================================
   Scotiabank-style masthead (segment tabs → search → catnav)
   ============================================================ */
.segbar { background: var(--paper-2); border-bottom: 1px solid var(--line); }
.segbar-nav { display: flex; gap: clamp(1rem, 2.5vw, 2.2rem); flex-wrap: wrap; }
.segbar-nav a { padding: .7rem 0; font-size: .9rem; font-weight: 600; color: var(--ink-2); border-bottom: 3px solid transparent; margin-bottom: -1px; white-space: nowrap; }
.segbar-nav a:hover { color: var(--brand); }
.segbar-nav a.active { color: var(--ink); border-bottom-color: var(--brand); }

.headwrap { position: sticky; top: 0; z-index: 60; background: var(--surface); box-shadow: 0 1px 0 var(--line); }
.masthead { background: var(--surface); }
.masthead-inner { display: flex; align-items: center; gap: clamp(1rem, 2.5vw, 2.4rem); padding-block: 1.1rem; }
.mh-logo { flex-shrink: 0; }
.mh-cta { white-space: nowrap; }
.mast-seg { display: flex; align-items: center; gap: clamp(1rem, 2vw, 1.9rem); margin-left: clamp(1.2rem, 3vw, 2.6rem); margin-right: auto; }
.mast-seg a { font-weight: 600; font-size: .96rem; color: var(--ink-2); white-space: nowrap; padding: .35rem 0; border-bottom: 2px solid transparent; transition: color .15s, border-color .15s; }
.mast-seg a:hover { color: var(--brand); }
.mast-seg a.active { color: var(--ink); border-bottom-color: var(--brand); }
.mh-logo img { height: 58px; width: auto; display: block; }
.searchbar { position: relative; flex: 1; max-width: 440px; }
.searchbar input { width: 100%; padding: .9rem 3.2rem .9rem 1.1rem; border: 1.5px solid var(--line-2); border-radius: var(--r-md); background: var(--surface); font-size: 1rem; }
.searchbar button { position: absolute; right: .35rem; top: 50%; transform: translateY(-50%); width: 42px; height: 42px; border-radius: 9px; display: grid; place-items: center; color: var(--ink-3); }
.searchbar button svg { width: 21px; height: 21px; }
.searchbar button:hover { color: var(--brand); background: var(--green-50); }
.util-icons { display: flex; gap: clamp(.8rem, 1.6vw, 1.5rem); }
.util-icon { display: flex; flex-direction: column; align-items: center; gap: .3rem; width: 66px; text-align: center; font-size: .76rem; font-weight: 600; line-height: 1.2; color: var(--ink-2); }
.util-icon svg { width: 23px; height: 23px; color: var(--brand); }
.util-icon:hover { color: var(--brand); }
.signin-wrap { display: flex; flex-direction: column; align-items: stretch; gap: .35rem; flex-shrink: 0; }
.btn-signin { display: inline-flex; align-items: center; gap: .55rem; background: var(--brand); color: #fff; font-weight: 700; padding: .8rem 1.3rem; border-radius: var(--r-sm); white-space: nowrap; transition: background .15s; }
.btn-signin:hover { background: var(--green-800); }
.btn-signin svg { width: 17px; height: 17px; }
.btn-signin .chev { display: inline-flex; align-items: center; padding-left: .55rem; margin-left: .15rem; border-left: 1px solid rgba(255,255,255,.35); }
.btn-signin .chev svg { width: 15px; height: 15px; }
.signin-sub { font-size: .8rem; text-align: center; color: var(--ink-3); white-space: nowrap; }
.signin-sub a { color: var(--brand); font-weight: 600; text-decoration: underline; text-underline-offset: 2px; }
.signin-sub span { margin: 0 .3rem; color: var(--line-2); }

/* Category nav */
.catnav { background: var(--surface); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.catnav-row { display: flex; justify-content: space-between; align-items: center; gap: 1rem; }
.catnav-link, .catnav-trigger { display: inline-flex; align-items: center; gap: .35rem; padding: 1.05rem .2rem; font-weight: 600; font-size: 1.02rem; color: var(--ink); cursor: pointer; white-space: nowrap; box-shadow: inset 0 -3px 0 transparent; transition: color .15s, box-shadow .15s; }
.catnav-link:hover, .catnav-trigger:hover, .nav-item.open .catnav-trigger { color: var(--brand); box-shadow: inset 0 -3px 0 var(--brand); }
.catnav-trigger .caret { width: 15px; height: 15px; transition: transform .2s; }
.nav-item.open .catnav-trigger .caret { transform: rotate(180deg); }
.catnav-item { position: static; }

/* ============================================================
   Split hero
   ============================================================ */
.hero-split { position: relative; isolation: isolate; background: var(--green-100); overflow: hidden; }
.hero-split::before { content: ""; }
.hero-bg-left { position: absolute; top: 0; bottom: 0; left: 0; width: 50%; background: linear-gradient(125deg, var(--green-900), var(--green-700)); z-index: 0; }
.hero-media-col { position: absolute; top: 0; bottom: 0; right: 0; left: 50%; z-index: 0; }
.hero-media-col image-slot { width: 100%; height: 100%; }
.hero-grid { position: relative; z-index: 1; display: grid; grid-template-columns: 1fr 1fr; min-height: 540px; }
.hero-text { grid-column: 1; align-self: center; color: #fff; padding: clamp(2.5rem, 5vw, 4rem) clamp(2rem, 4vw, 3.5rem) clamp(2.5rem, 5vw, 4rem) 0; }
.hero-text h1 { color: #fff; margin-top: 1rem; max-width: 20ch; font-size: clamp(2.2rem, 3.3vw, 3.15rem); }
.hero-sub { color: #dbe8f6; font-size: clamp(1.05rem, 1.5vw, 1.25rem); margin-top: 1.1rem; max-width: 38ch; line-height: 1.55; }
.hero-pill { display: inline-flex; align-items: center; gap: .6rem; background: #fff; color: var(--ink); font-weight: 700; font-size: 1.02rem; padding: 1.05rem 1.9rem; border-radius: var(--r-pill); margin-top: 2rem; box-shadow: var(--shadow-md); transition: transform .14s, box-shadow .18s, background .15s; }
.hero-pill svg { width: 1.1em; height: 1.1em; color: var(--brand); }
.hero-pill:hover { transform: translateY(-2px); box-shadow: var(--shadow-lg); background: var(--green-50); }
.hero-textlink { display: inline-flex; align-items: center; gap: .45rem; color: #fff; font-weight: 600; margin-top: 1.3rem; margin-left: .4rem; opacity: .92; }
.hero-textlink svg { width: 1.05em; height: 1.05em; transition: transform .16s; }
.hero-textlink:hover { opacity: 1; } .hero-textlink:hover svg { transform: translateX(3px); }
.easier h2 { font-size: clamp(2rem, 3.6vw, 2.7rem); }

/* ============================================================
   Masthead / hero responsive
   ============================================================ */
@media (max-width: 1080px) {
  .util-icons { display: none; }
  .mast-seg { display: none; }
}
@media (max-width: 880px) {
  .searchbar { display: none; }
  .catnav { display: none; }
  .nav-toggle { display: inline-flex; margin-left: auto; }
  .masthead-inner { gap: 1rem; }
  .signin-sub { display: none; }
  .hero-bg-left { display: none; }
  .hero-grid { grid-template-columns: 1fr; min-height: 0; background: linear-gradient(140deg, var(--green-900), var(--green-700)); }
  .hero-text { grid-column: 1; padding: clamp(2.2rem, 7vw, 3rem) var(--gutter); }
  .hero-text h1 { max-width: 20ch; }
  .hero-media-col { position: relative; left: 0; right: 0; height: 320px; z-index: 1; }
}
@media (max-width: 560px) {
  .mh-logo img { height: 46px; }
  .segbar-nav { gap: 1rem; }
  .btn-signin { padding: .7rem 1rem; }
}

/* ============================================================
   INNER PAGES
   ============================================================ */
.catnav-link.active, .nav-item.active .catnav-trigger { color: var(--brand); box-shadow: inset 0 -3px 0 var(--brand); }

/* Page hero */
.page-hero { position: relative; isolation: isolate; background: linear-gradient(120deg, var(--green-900) 0%, var(--green-700) 70%); color: #fff; overflow: hidden; }
.page-hero::after { content: ""; position: absolute; inset: 0; z-index: -1; background: radial-gradient(circle at 88% 12%, rgba(42,143,224,.35), transparent 42%); }
.page-hero .container { padding-block: clamp(2.4rem, 5vw, 4rem); }
.page-hero h1 { color: #fff; max-width: 20ch; }
.page-hero .ph-sub { color: #dbe8f6; max-width: 56ch; margin-top: 1rem; font-size: clamp(1.05rem, 1.5vw, 1.22rem); line-height: 1.55; }
.page-hero .hero-cta { display: flex; flex-wrap: wrap; gap: .8rem; margin-top: 1.8rem; }
.page-hero .pill-stats { display: flex; flex-wrap: wrap; gap: 1.5rem; margin-top: 2rem; }
.page-hero .pill-stats div { display: flex; flex-direction: column; }
.page-hero .pill-stats b { font-size: 1.7rem; font-weight: 800; color: var(--gold-400); line-height: 1; }
.page-hero .pill-stats span { font-size: .85rem; color: #cfe1f2; margin-top: .25rem; }

/* Breadcrumb */
.breadcrumb { display: flex; align-items: center; gap: .5rem; font-size: .85rem; color: #cfe1f2; margin-bottom: 1.1rem; flex-wrap: wrap; }
.breadcrumb a { color: #cfe1f2; } .breadcrumb a:hover { color: #fff; }
.breadcrumb .sep { opacity: .5; }
.breadcrumb .cur { color: #fff; font-weight: 600; }

/* Two-column layout */
.layout { display: grid; grid-template-columns: minmax(0,1fr) 350px; gap: clamp(2rem, 4vw, 3.5rem); align-items: start; }
.layout-rev { grid-template-columns: 350px minmax(0,1fr); }
.sidebar { position: sticky; top: 130px; display: flex; flex-direction: column; gap: 1.2rem; }
.sidebar-card { background: var(--surface); border: 1px solid var(--line); border-radius: var(--r-lg); padding: 1.5rem; box-shadow: var(--shadow-sm); }
.sidebar-card.accent { background: linear-gradient(160deg, var(--green-700), var(--green-900)); color: #fff; border: none; }
.sidebar-card.accent h4, .sidebar-card.accent p { color: #fff; } .sidebar-card.accent p { color: #dbe8f6; }
.sidebar-card.accent .feat-list li { color: #dbe8f6; }
.sidebar-card.accent .feat-list .ic { background: rgba(255,255,255,.16); color: #fff; }
.sidebar-card.accent .feat-list b { color: #fff; }
.sidebar-card h4 { margin-bottom: .8rem; }
.rate-badge { display: flex; align-items: baseline; gap: .5rem; }
.rate-badge b { font-size: 2.4rem; font-weight: 800; color: var(--brand); line-height: 1; }
.sidebar-card.accent .rate-badge b { color: var(--gold-400); }

/* Prose */
.prose { max-width: 68ch; }
.prose > p { margin-bottom: 1.1rem; color: var(--ink-2); font-size: 1.05rem; }
.prose h2 { margin: 2rem 0 .8rem; }
.prose h3 { margin: 1.6rem 0 .6rem; font-size: 1.3rem; }
.prose ul { margin: 1rem 0; display: flex; flex-direction: column; gap: .6rem; }

/* Feature / check list */
.feat-list { display: flex; flex-direction: column; gap: .85rem; }
.feat-list li { display: flex; gap: .8rem; align-items: flex-start; color: var(--ink-2); }
.feat-list .ic { width: 26px; height: 26px; border-radius: 50%; background: var(--green-100); color: var(--brand); display: grid; place-items: center; flex-shrink: 0; margin-top: .1rem; }
.feat-list .ic svg { width: 16px; height: 16px; }
.feat-list b { color: var(--ink); }

/* Info cards row */
.info-card { background: var(--surface); border: 1px solid var(--line); border-radius: var(--r-lg); padding: 1.6rem; }
.info-card .ic { width: 48px; height: 48px; border-radius: 13px; background: var(--green-50); color: var(--brand); display: grid; place-items: center; margin-bottom: 1rem; }
.info-card .ic svg { width: 24px; height: 24px; }
.info-card h3 { font-size: 1.2rem; margin-bottom: .5rem; }
.info-card p { color: var(--ink-2); font-size: .96rem; }
.info-card.soft { background: var(--paper-2); border-color: transparent; }

/* Numbered steps */
.steps { display: flex; flex-direction: column; gap: 1.6rem; }
.steps.row { flex-direction: row; flex-wrap: wrap; }
.steps.row .step { flex: 1; min-width: 220px; flex-direction: column; }
.step { display: flex; gap: 1.1rem; }
.step .n { width: 44px; height: 44px; border-radius: 50%; background: var(--brand); color: #fff; font-weight: 800; display: grid; place-items: center; flex-shrink: 0; font-size: 1.1rem; }
.steps.row .step .n { margin-bottom: .4rem; }
.step h4 { margin-bottom: .3rem; }
.step p { color: var(--ink-2); font-size: .96rem; }

/* Product rows (loan/savings hub) */
.prod-row { display: grid; grid-template-columns: auto 1fr auto; gap: 1.5rem; align-items: center; background: var(--surface); border: 1px solid var(--line); border-radius: var(--r-lg); padding: 1.5rem 1.7rem; transition: transform .16s, box-shadow .18s, border-color .18s; }
.prod-row:hover { transform: translateY(-3px); box-shadow: var(--shadow-lg); border-color: transparent; }
.prod-row .pr-ic { width: 58px; height: 58px; border-radius: 15px; background: var(--green-50); color: var(--brand); display: grid; place-items: center; }
.prod-row .pr-ic svg { width: 28px; height: 28px; }
.prod-row h3 { font-size: 1.3rem; margin-bottom: .25rem; }
.prod-row p { color: var(--ink-2); font-size: .95rem; max-width: 60ch; }
.prod-row .pr-rate { text-align: right; }
.prod-row .pr-rate b { display: block; font-size: 1.5rem; font-weight: 800; color: var(--brand); }
.prod-row .pr-rate span { font-size: .8rem; color: var(--ink-3); }
.prod-row .pr-cta { display: flex; flex-direction: column; gap: .5rem; align-items: stretch; }

/* Testimonial */
.testimonial { background: var(--surface); border: 1px solid var(--line); border-radius: var(--r-lg); padding: 1.8rem; display: flex; flex-direction: column; gap: 1rem; }
.testimonial .quote-ic { color: var(--green-100); }
.testimonial .quote-ic svg { width: 40px; height: 40px; }
.testimonial p { font-size: 1.1rem; color: var(--ink); font-weight: 500; line-height: 1.5; }
.testimonial .who { display: flex; align-items: center; gap: .8rem; margin-top: auto; }
.testimonial .who .av { width: 44px; height: 44px; border-radius: 50%; background: var(--green-100); color: var(--brand); display: grid; place-items: center; font-weight: 800; }
.testimonial .who b { display: block; } .testimonial .who span { font-size: .85rem; color: var(--ink-3); }
.stars { display: flex; gap: .15rem; color: var(--gold-500); }
.stars svg { width: 18px; height: 18px; }

/* Multi-step form */
.stepper { display: flex; gap: .5rem; margin-bottom: 2rem; counter-reset: step; flex-wrap: wrap; }
.stepper .s { display: flex; align-items: center; gap: .6rem; flex: 1; min-width: 150px; }
.stepper .s .dot { width: 34px; height: 34px; border-radius: 50%; background: var(--paper-2); border: 2px solid var(--line-2); color: var(--ink-3); font-weight: 700; display: grid; place-items: center; flex-shrink: 0; transition: all .2s; }
.stepper .s .lbl { font-size: .85rem; font-weight: 600; color: var(--ink-3); line-height: 1.2; }
.stepper .s.active .dot { background: var(--brand); border-color: var(--brand); color: #fff; }
.stepper .s.done .dot { background: var(--green-100); border-color: var(--green-100); color: var(--brand); }
.stepper .s.active .lbl, .stepper .s.done .lbl { color: var(--ink); }
.form-card { background: var(--surface); border: 1px solid var(--line); border-radius: var(--r-xl); box-shadow: var(--shadow-md); padding: clamp(1.5rem, 4vw, 2.6rem); }
.form-step { display: none; }
.form-step.active { display: block; animation: fadeStep .35s ease; }
@keyframes fadeStep { from { opacity: 0; transform: translateY(10px); } to { opacity: 1; transform: none; } }
.form-step > h3 { margin-bottom: .3rem; }
.form-step > .step-intro { color: var(--ink-2); margin-bottom: 1.6rem; }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1.1rem 1.3rem; }
.form-grid .full { grid-column: 1 / -1; }
.fld { display: flex; flex-direction: column; gap: .4rem; }
.fld label { font-weight: 600; font-size: .92rem; }
.fld label .opt { color: var(--ink-3); font-weight: 500; }
.fld .err { color: #c0392b; font-size: .8rem; display: none; }
.fld.invalid input, .fld.invalid select { border-color: #c0392b; }
.fld.invalid .err { display: block; }
.form-actions { display: flex; justify-content: space-between; gap: 1rem; margin-top: 2rem; }
.dropzone { border: 2px dashed var(--line-2); border-radius: var(--r-md); padding: 1.6rem; text-align: center; color: var(--ink-3); cursor: pointer; transition: border-color .15s, background .15s; }
.dropzone:hover, .dropzone.over { border-color: var(--brand); background: var(--green-50); color: var(--brand); }
.dropzone svg { width: 28px; height: 28px; margin: 0 auto .5rem; }
.dropzone.filled { border-style: solid; border-color: var(--green-500); background: var(--green-50); color: var(--brand); }
.req-list { display: grid; grid-template-columns: 1fr 1fr; gap: .7rem; margin: 1rem 0 1.6rem; }
.req-list li { display: flex; gap: .6rem; align-items: center; font-size: .92rem; color: var(--ink-2); }
.req-list svg { width: 18px; height: 18px; color: var(--brand); flex-shrink: 0; }
.form-success { display: none; text-align: center; padding: 2rem 1rem; }
[data-form-done] { display: none; }
.dropzone.dz-invalid { border-color: #c0392b; }
.form-success .big-check { width: 76px; height: 76px; border-radius: 50%; background: var(--green-100); color: var(--brand); display: grid; place-items: center; margin: 0 auto 1.2rem; }
.form-success .big-check svg { width: 40px; height: 40px; }
.review-grid { display: grid; grid-template-columns: 1fr 1fr; gap: .8rem 1.5rem; }
.review-grid .ri { padding: .7rem 0; border-bottom: 1px solid var(--line); }
.review-grid .ri .k { font-size: .8rem; color: var(--ink-3); text-transform: uppercase; letter-spacing: .04em; }
.review-grid .ri .v { font-weight: 600; }

/* Contact */
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(1.5rem,3vw,2.5rem); align-items: start; }
.contact-method { display: flex; gap: 1rem; align-items: flex-start; padding: 1.1rem 0; border-bottom: 1px solid var(--line); }
.contact-method .ic { width: 46px; height: 46px; border-radius: 12px; background: var(--green-50); color: var(--brand); display: grid; place-items: center; flex-shrink: 0; }
.contact-method .ic svg { width: 22px; height: 22px; }
.contact-method b { display: block; } .contact-method a, .contact-method span { color: var(--ink-2); }

/* Legal */
.legal-toc { position: sticky; top: 130px; }
.legal-toc a { display: block; padding: .5rem .8rem; border-radius: var(--r-sm); color: var(--ink-2); font-size: .92rem; border-left: 2px solid var(--line); }
.legal-toc a:hover { background: var(--paper-2); color: var(--brand); border-left-color: var(--brand); }
.legal-doc h2 { margin: 2.2rem 0 .8rem; padding-top: .5rem; }
.legal-doc p { color: var(--ink-2); margin-bottom: 1rem; }
.pdf-card { display: flex; align-items: center; gap: 1rem; background: var(--surface); border: 1px solid var(--line); border-radius: var(--r-md); padding: 1rem 1.2rem; }
.pdf-card .ic { width: 44px; height: 44px; border-radius: 10px; background: #fdecea; color: #c0392b; display: grid; place-items: center; flex-shrink: 0; }
.pdf-card .ic svg { width: 22px; height: 22px; }

/* Tabs */
.tabs { display: flex; gap: .5rem; flex-wrap: wrap; margin-bottom: 1.8rem; }
.tab { padding: .7rem 1.4rem; border-radius: var(--r-pill); border: 1.5px solid var(--line-2); font-weight: 700; color: var(--ink-2); background: var(--surface); transition: all .15s; }
.tab:hover { border-color: var(--brand); color: var(--brand); }
.tab.active { background: var(--brand); border-color: var(--brand); color: #fff; }
.table-wrap { overflow-x: auto; }

/* Team / board photo cards */
.team-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: clamp(1rem, 2vw, 1.6rem); }
.team-card { background: var(--surface); border: 1px solid var(--line); border-radius: var(--r-lg); overflow: hidden; transition: transform .16s, box-shadow .18s, border-color .18s; }
.team-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); border-color: transparent; }
.team-photo { aspect-ratio: 1 / 1; background: var(--green-50); position: relative; }
.team-photo image-slot { width: 100%; height: 100%; }
.team-card .tc-body { padding: 1.1rem 1.2rem 1.3rem; }
.team-card h4 { font-size: 1.12rem; }
.team-card .tc-role { font-size: .85rem; font-weight: 600; letter-spacing: 0; text-transform: none; color: var(--brand); margin-top: .25rem; line-height: 1.3; }
@media (max-width: 920px) { .team-grid { grid-template-columns: repeat(2, 1fr); } }

@media (max-width: 920px) {
  .layout, .layout-rev, .contact-grid { grid-template-columns: 1fr; }
  .sidebar, .legal-toc { position: static; }
  .prod-row { grid-template-columns: auto 1fr; }
  .prod-row .pr-cta, .prod-row .pr-rate { grid-column: 2; text-align: left; align-items: flex-start; }
  .prod-row .pr-rate b { font-size: 1.3rem; }
}
@media (max-width: 600px) {
  .form-grid, .req-list, .review-grid { grid-template-columns: 1fr; }
  .prod-row { grid-template-columns: 1fr; }
  .stepper .s .lbl { display: none; }
  .stepper .s { min-width: 0; flex: 0; }
}

/* ============================================================
   Floating WhatsApp AI assistant
   ============================================================ */
.wa-widget { position: fixed; right: clamp(16px, 3vw, 28px); bottom: clamp(16px, 3vw, 28px); z-index: 80; display: flex; flex-direction: column; align-items: flex-end; gap: 14px; }
.wa-fab { position: relative; width: 64px; height: 64px; border-radius: 50%; background: #25d366; color: #fff; box-shadow: 0 10px 26px rgba(11,58,40,.28), 0 3px 8px rgba(0,0,0,.18); display: grid; place-items: center; transition: transform .18s ease, box-shadow .18s ease; }
.wa-fab:hover { transform: scale(1.06); box-shadow: 0 14px 34px rgba(11,58,40,.34); }
.wa-fab:active { transform: scale(.98); }
.wa-fab-icon, .wa-fab-close { width: 32px; height: 32px; transition: opacity .18s ease, transform .25s ease; }
.wa-fab-close { position: absolute; opacity: 0; transform: rotate(-90deg); }
.wa-widget.open .wa-fab { background: var(--brand); }
.wa-widget.open .wa-fab-icon { opacity: 0; transform: rotate(90deg); }
.wa-widget.open .wa-fab-close { opacity: 1; transform: rotate(0); }
.wa-fab-badge { position: absolute; top: -2px; right: -2px; background: var(--accent); color: #2a1e00; font-size: .62rem; font-weight: 800; letter-spacing: .03em; padding: .16rem .34rem; border-radius: 999px; border: 2px solid var(--paper); }
.wa-fab-pulse { position: absolute; inset: 0; border-radius: 50%; background: #25d366; z-index: -1; }
@media (prefers-reduced-motion: no-preference) { .wa-fab-pulse { animation: waPulse 2.4s ease-out infinite; } }
@keyframes waPulse { 0% { transform: scale(1); opacity: .55; } 70%, 100% { transform: scale(1.9); opacity: 0; } }
.wa-widget.open .wa-fab-pulse { display: none; }

/* Teaser bubble */
.wa-teaser { position: relative; display: none; align-items: flex-start; flex-direction: column; gap: .15rem; background: var(--surface); border: 1px solid var(--line); border-radius: 16px 16px 4px 16px; box-shadow: var(--shadow-lg); padding: .85rem 2.1rem .85rem 1rem; max-width: 250px; cursor: pointer; }
.wa-widget.teasing .wa-teaser { display: flex; animation: waPop .3s ease both; }
.wa-widget.open .wa-teaser { display: none; }
.wa-teaser b { font-size: .95rem; color: var(--ink); }
.wa-teaser span { font-size: .82rem; color: var(--ink-2); line-height: 1.35; }
.wa-teaser-x { position: absolute; top: 4px; right: 6px; width: 22px; height: 22px; border-radius: 50%; color: var(--ink-3); font-size: 1.1rem; line-height: 1; display: grid; place-items: center; }
.wa-teaser-x:hover { background: var(--paper-2); color: var(--ink); }

/* Chat panel */
.wa-panel { width: min(360px, calc(100vw - 32px)); background: var(--surface); border-radius: var(--r-lg); box-shadow: var(--shadow-lg); overflow: hidden; transform-origin: bottom right; opacity: 0; transform: translateY(14px) scale(.92); pointer-events: none; transition: opacity .2s ease, transform .22s cubic-bezier(.2,.9,.3,1.2); display: flex; flex-direction: column; max-height: min(560px, calc(100vh - 130px)); }
.wa-widget.open .wa-panel { opacity: 1; transform: translateY(0) scale(1); pointer-events: auto; }
.wa-head { display: flex; align-items: center; gap: .7rem; padding: .9rem 1rem; background: linear-gradient(135deg, var(--green-700), var(--green-900)); color: #fff; }
.wa-avatar { width: 42px; height: 42px; border-radius: 50%; background: #25d366; color: #fff; display: grid; place-items: center; flex-shrink: 0; }
.wa-avatar svg { width: 24px; height: 24px; }
.wa-head-info { flex: 1; min-width: 0; line-height: 1.25; }
.wa-head-info b { display: block; font-size: .98rem; }
.wa-head-info span { font-size: .78rem; color: #cfe1d6; display: flex; align-items: center; gap: .35rem; }
.wa-dot { width: 8px; height: 8px; border-radius: 50%; background: #4ade80; display: inline-block; box-shadow: 0 0 0 0 rgba(74,222,128,.7); }
@media (prefers-reduced-motion: no-preference) { .wa-dot { animation: waLive 1.8s infinite; } }
@keyframes waLive { 0% { box-shadow: 0 0 0 0 rgba(74,222,128,.6); } 70%,100% { box-shadow: 0 0 0 6px rgba(74,222,128,0); } }
.wa-close { color: #fff; opacity: .85; flex-shrink: 0; } .wa-close:hover { opacity: 1; }
.wa-body { padding: 1.1rem; display: flex; flex-direction: column; gap: .7rem; overflow-y: auto; background: var(--paper-2); background-image: radial-gradient(rgba(17,89,60,.05) 1px, transparent 1px); background-size: 18px 18px; }
.wa-msg { font-size: .9rem; line-height: 1.45; padding: .7rem .85rem; border-radius: 4px 14px 14px 14px; max-width: 90%; }
.wa-in { background: var(--surface); color: var(--ink-2); box-shadow: var(--shadow-sm); }
.wa-chips { display: flex; flex-wrap: wrap; gap: .4rem; }
.wa-chips span { background: var(--green-50); color: var(--brand); border: 1px solid var(--green-100); font-size: .8rem; font-weight: 600; padding: .35rem .65rem; border-radius: 999px; }
.wa-foot { padding: .9rem 1rem 1rem; border-top: 1px solid var(--line); background: var(--surface); display: flex; flex-direction: column; gap: .5rem; }
.wa-foot-note { text-align: center; font-size: .72rem; color: var(--ink-3); }
@media (prefers-reduced-motion: no-preference) { @keyframes waPop { from { opacity: 0; transform: translateY(8px) scale(.96); } to { opacity: 1; transform: none; } } }
@media (max-width: 560px) { .wa-fab { width: 58px; height: 58px; } .wa-fab-icon { width: 28px; height: 28px; } }

/* ============================================================
   ATM / locations page
   ============================================================ */
.atm-card { background: var(--surface); border: 1px solid var(--line); border-radius: var(--r-lg); overflow: hidden; box-shadow: var(--shadow-sm); display: flex; flex-direction: column; }
.atm-map { position: relative; aspect-ratio: 16/10; background: var(--green-50); }
.atm-map iframe { width: 100%; height: 100%; border: 0; display: block; filter: saturate(.92); }
.atm-map-badge { position: absolute; top: 1rem; left: 1rem; z-index: 2; display: inline-flex; align-items: center; gap: .45rem; background: var(--brand); color: #fff; font-weight: 700; font-size: .82rem; padding: .4rem .8rem; border-radius: var(--r-pill); box-shadow: var(--shadow-md); }
.atm-map-badge svg { width: 16px; height: 16px; }
.atm-body { padding: 1.6rem; display: flex; flex-direction: column; gap: 1rem; flex: 1; }
.atm-body h3 { font-size: 1.4rem; }
.atm-head-row { display: flex; align-items: flex-start; justify-content: space-between; gap: 1rem; flex-wrap: wrap; }
.atm-status { display: inline-flex; align-items: center; gap: .4rem; font-size: .82rem; font-weight: 700; color: var(--success); background: var(--green-50); padding: .3rem .7rem; border-radius: var(--r-pill); white-space: nowrap; }
.atm-status .wa-dot { background: #22c55e; }
.atm-meta { display: flex; flex-direction: column; gap: .7rem; }
.atm-meta li { display: flex; gap: .7rem; align-items: flex-start; font-size: .95rem; color: var(--ink-2); }
.atm-meta svg { width: 18px; height: 18px; color: var(--brand); flex-shrink: 0; margin-top: .15rem; }
.atm-feat { display: flex; flex-wrap: wrap; gap: .5rem; }
.atm-feat span { display: inline-flex; align-items: center; gap: .35rem; background: var(--paper-2); color: var(--ink-2); font-size: .82rem; font-weight: 600; padding: .35rem .7rem; border-radius: var(--r-pill); }
.atm-feat svg { width: 15px; height: 15px; color: var(--brand); }
.atm-actions { display: flex; gap: .6rem; flex-wrap: wrap; margin-top: auto; }

/* ============================================================
   Forms & downloads page
   ============================================================ */
.forms-toolbar { display: flex; gap: 1rem; flex-wrap: wrap; align-items: center; justify-content: space-between; margin-bottom: 1.8rem; }
.forms-search { position: relative; flex: 1; min-width: 240px; max-width: 420px; }
.forms-filter { display: flex; gap: .5rem; flex-wrap: wrap; }
.forms-filter .tab { padding: .55rem 1.05rem; font-size: .9rem; }
.form-row { display: grid; grid-template-columns: auto 1fr auto; gap: 1.2rem; align-items: center; background: var(--surface); border: 1px solid var(--line); border-radius: var(--r-lg); padding: 1.2rem 1.4rem; transition: box-shadow .18s, transform .16s, border-color .18s; }
.form-row:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); border-color: transparent; }
.form-row .f-ic { width: 50px; height: 50px; border-radius: 12px; background: var(--green-50); color: var(--brand); display: grid; place-items: center; flex-shrink: 0; }
.form-row .f-ic svg { width: 25px; height: 25px; }
.form-row h3 { font-size: 1.12rem; margin-bottom: .15rem; }
.form-row p { color: var(--ink-2); font-size: .9rem; }
.form-row .f-meta { display: inline-flex; align-items: center; gap: .5rem; margin-top: .4rem; font-size: .76rem; font-weight: 700; letter-spacing: .03em; text-transform: uppercase; color: var(--ink-3); }
.form-row .f-meta .pill-pdf { background: #fdecea; color: #c0392b; padding: .15rem .5rem; border-radius: 999px; }
.form-row .f-meta .pill-online { background: var(--green-50); color: var(--brand); padding: .15rem .5rem; border-radius: 999px; }
.form-row .f-cta { flex-shrink: 0; }
.forms-empty { text-align: center; color: var(--ink-3); padding: 2.5rem 1rem; display: none; }
@media (max-width: 640px) {
  .form-row { grid-template-columns: auto 1fr; }
  .form-row .f-cta { grid-column: 1 / -1; }
  .form-row .f-cta .btn { width: 100%; }
}

/* ============================================================
   Insurance — partners & plans
   ============================================================ */
.partner-head { display: flex; align-items: center; gap: 1rem; margin-bottom: 1.4rem; flex-wrap: wrap; }
.partner-logo { width: 56px; height: 56px; border-radius: 14px; display: grid; place-items: center; flex-shrink: 0; font-weight: 800; font-size: 1.15rem; color: #fff; letter-spacing: .01em; }
.partner-logo.cuna { background: linear-gradient(150deg, #1f8a5b, #0e4a32); }
.partner-logo.jcia { background: linear-gradient(150deg, #2a6fdb, #0e3d8a); }
.partner-tag { display: inline-flex; align-items: center; gap: .4rem; font-size: .76rem; font-weight: 800; letter-spacing: .05em; text-transform: uppercase; padding: .28rem .65rem; border-radius: 999px; }
.partner-tag.cuna { background: var(--green-50); color: var(--brand); }
.partner-tag.jcia { background: #e8f0fc; color: #1c5bb8; }
.plan-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(150px,1fr)); gap: .8rem; }
.plan-tier { background: var(--surface); border: 1px solid var(--line); border-radius: var(--r-md); padding: 1rem; text-align: center; }
.plan-tier .pt-name { font-size: .78rem; font-weight: 700; text-transform: uppercase; letter-spacing: .05em; color: var(--ink-3); }
.plan-tier .pt-benefit { font-family: var(--font-display); font-size: 1.4rem; font-weight: 800; color: var(--brand); margin: .25rem 0; line-height: 1; }
.plan-tier .pt-sub { font-size: .78rem; color: var(--ink-3); }
.member-rows { display: flex; flex-direction: column; gap: 1rem; }
.member-row { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: .8rem; align-items: end; padding-bottom: 1rem; border-bottom: 1px dashed var(--line); }
.member-row:last-child { border-bottom: none; }
@media (max-width: 600px) { .member-row { grid-template-columns: 1fr; } }


/* ===== Touch optimizations ===== */
a, button { -webkit-tap-highlight-color: transparent; }
.btn, .catnav-link, .catnav-trigger, .tab, .acc-trigger, .util-icon, .mega-link, .drawer-nav a, .sub-link, button, input[type="range"] { touch-action: manipulation; }
.btn:active { transform: scale(.98); }
input[type="range"] { height: 28px; cursor: pointer; }
[id] { scroll-margin-top: 96px; }
@media (hover: none), (pointer: coarse) {
  input[type="range"] { height: 34px; }
  .footer-col a, .legal-links a { display: inline-block; padding: .35rem 0; }
  .footer-social a { width: 44px; height: 44px; }
  .mega-link { padding: .6rem .4rem; }
  .drawer-nav .sub-link { padding: .7rem 0; }
  .news-card, .product-card, .info-card a.link-arrow { min-height: 44px; }
}

/* Quick-tile click affordance */
.quick-tile { cursor: pointer; transition: transform .15s ease, box-shadow .15s ease; }
.quick-tile:hover { transform: translateY(-3px); }
.quick-tile:active { transform: scale(.97); }
.quick-tile .qi, .quick-tile svg, .quick-tile b, .quick-tile .quick-label-sub { pointer-events: none; }

/* WhatsApp widget: container must not block taps on content beneath */
.wa-widget { pointer-events: none; }
.wa-fab, .wa-teaser { pointer-events: auto; }