/* =========================================================
   BANK.CSS — Shared public site design system
   Professional banking aesthetic: CalBank / GCB / SC style
   Navy primary · Gold accent · Clean white layout
   ========================================================= */

/* ── Fonts ────────────────────────────────────────── */
@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800&family=Outfit:wght@400;600;700;800&display=swap');

/* ── CSS Variables ─────────────────────────────────── */
:root {
  --navy:       #00305C;
  --navy-deep:  #001F40;
  --navy-light: #003D75;
  --gold:       #C9A84C;
  --gold-dark:  #A8892A;
  --gold-light: #F0D78A;
  --gold-bg:    rgba(201,168,76,.09);
  --white:      #FFFFFF;
  --off-white:  #F7F9FC;
  --light-gray: #EEF2F7;
  --mid-gray:   #CBD5E1;
  --text:       #0D1B2A;
  --text-muted: #536070;
  --text-light: #8A9AB0;
  --link:       #0066CC;
  --success:    #008A5E;
  --danger:     #C0392B;
  --border:     #D8E3EF;
  --shadow-sm:  0 1px 4px rgba(0,0,0,.06);
  --shadow-md:  0 4px 18px rgba(0,0,0,.1);
  --shadow-lg:  0 12px 40px rgba(0,0,0,.14);
  --radius:     6px;
  --radius-lg:  12px;
  --max-w:      1200px;
  --font-body:  'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  --font-head:  'Outfit', 'Inter', sans-serif;
}

/* ── Reset ─────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { font-size: 16px; scroll-behavior: smooth; }
body {
  font-family: var(--font-body);
  color: var(--text);
  background: var(--white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
a { color: var(--link); text-decoration: none; }
a:hover { text-decoration: underline; }
img { max-width: 100%; height: auto; display: block; }
button { cursor: pointer; font-family: var(--font-body); }

/* ── Container ─────────────────────────────────────── */
.container { max-width: var(--max-w); margin: 0 auto; padding: 0 20px; }
.container-sm { max-width: 820px; margin: 0 auto; padding: 0 20px; }

/* ── Typography ────────────────────────────────────── */
h1, h2, h3, h4, h5, h6 { font-family: var(--font-head); line-height: 1.2; color: var(--text); }
h1 { font-size: clamp(2rem, 4.5vw, 3.25rem); font-weight: 800; }
h2 { font-size: clamp(1.5rem, 3vw, 2.25rem); font-weight: 700; }
h3 { font-size: 1.25rem; font-weight: 600; }
h4 { font-size: 1.05rem; font-weight: 600; }
.lead { font-size: 1.1rem; color: var(--text-muted); line-height: 1.7; }
.label-tag {
  display: inline-block;
  background: var(--gold-bg);
  color: var(--gold-dark);
  border: 1px solid rgba(201,168,76,.25);
  border-radius: 50px;
  padding: .28rem .9rem;
  font-size: .75rem;
  font-weight: 600;
  letter-spacing: .05em;
  text-transform: uppercase;
  margin-bottom: 1rem;
}
.section-title { text-align: center; margin-bottom: 3rem; }
.section-title h2 { margin-bottom: .6rem; }
.section-title p { color: var(--text-muted); max-width: 560px; margin: 0 auto; }

/* ── Buttons ────────────────────────────────────────── */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .4rem;
  padding: .72rem 1.75rem;
  border-radius: var(--radius);
  font-size: .9rem; font-weight: 600;
  border: 2px solid transparent;
  transition: all .2s; cursor: pointer;
  text-decoration: none; white-space: nowrap;
  line-height: 1.3;
}
.btn:hover { text-decoration: none; }
.btn-primary { background: var(--gold); color: var(--navy-deep); border-color: var(--gold); }
.btn-primary:hover { background: var(--gold-dark); border-color: var(--gold-dark); color: var(--white); }
.btn-navy { background: var(--navy); color: var(--white); border-color: var(--navy); }
.btn-navy:hover { background: var(--navy-deep); border-color: var(--navy-deep); }
.btn-outline { background: transparent; color: var(--navy); border-color: var(--navy); }
.btn-outline:hover { background: var(--navy); color: var(--white); }
.btn-outline-white { background: transparent; color: var(--white); border-color: rgba(255,255,255,.7); }
.btn-outline-white:hover { background: rgba(255,255,255,.12); border-color: white; }
.btn-sm { padding: .5rem 1.25rem; font-size: .82rem; }
.btn-lg { padding: .9rem 2.25rem; font-size: 1rem; }

/* ── Navbar ─────────────────────────────────────────── */
.site-header { position: sticky; top: 0; z-index: 900; }

.topbar {
  background: var(--navy-deep);
  color: rgba(255,255,255,.75);
  font-size: .75rem;
  padding: .45rem 0;
  border-bottom: 1px solid rgba(255,255,255,.08);
}
.topbar .container { display: flex; align-items: center; justify-content: space-between; }
.topbar a { color: rgba(255,255,255,.75); }
.topbar a:hover { color: var(--gold); text-decoration: none; }
.topbar-left, .topbar-right { display: flex; align-items: center; gap: 1.25rem; }
.topbar-item { display: flex; align-items: center; gap: .35rem; }

.navbar {
  background: var(--navy);
  padding: .9rem 0;
  box-shadow: 0 2px 12px rgba(0,0,0,.18);
}
.navbar .container { display: flex; align-items: center; gap: 1.5rem; }

/* CSS Logo */
.nav-logo { display: flex; align-items: center; gap: .6rem; text-decoration: none; flex-shrink: 0; }
.nav-logo-box {
  width: 38px; height: 38px; background: var(--gold); border-radius: 8px;
  display: flex; align-items: center; justify-content: center;
  font-weight: 800; font-size: 1.1rem; color: var(--navy-deep);
  flex-shrink: 0; font-family: var(--font-head);
}
.nav-logo-name { font-family: var(--font-head); font-size: 1.1rem; font-weight: 700; color: var(--white); letter-spacing: -.01em; }
.nav-logo:hover { text-decoration: none; }

/* Nav links */
.nav-links { display: flex; align-items: center; gap: .1rem; flex: 1; }
.nav-item { position: relative; }
.nav-link {
  display: flex; align-items: center; gap: .3rem;
  padding: .5rem .85rem;
  color: rgba(255,255,255,.88); font-size: .875rem; font-weight: 500;
  border-radius: var(--radius);
  transition: all .15s; cursor: pointer;
  background: transparent; border: none; font-family: var(--font-body);
  white-space: nowrap; text-decoration: none;
}
.nav-link:hover, .nav-item:hover > .nav-link { background: rgba(255,255,255,.1); color: var(--white); text-decoration: none; }
.nav-link svg { width: 10px; height: 10px; transition: transform .15s; }
.nav-item:hover > .nav-link svg { transform: rotate(180deg); }

/* Dropdown */
.nav-dropdown {
  position: absolute; top: calc(100% + 8px); left: 0;
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--border);
  min-width: 220px;
  padding: .5rem;
  opacity: 0; visibility: hidden; transform: translateY(-6px);
  transition: all .18s;
  z-index: 200;
}
.nav-item:hover > .nav-dropdown { opacity: 1; visibility: visible; transform: translateY(0); }
.nav-dropdown a {
  display: block; padding: .55rem .9rem;
  font-size: .855rem; color: var(--text-muted); font-weight: 500;
  border-radius: calc(var(--radius) - 2px);
  transition: .15s;
}
.nav-dropdown a:hover { background: var(--off-white); color: var(--navy); text-decoration: none; }
.nav-dropdown-section { padding: .35rem .9rem .15rem; font-size: .65rem; font-weight: 700; text-transform: uppercase; letter-spacing: .08em; color: var(--text-light); margin-top: .35rem; }
.nav-dropdown hr { border: none; border-top: 1px solid var(--border); margin: .4rem 0; }

/* Nav right */
.nav-right { display: flex; align-items: center; gap: .75rem; margin-left: auto; }

/* Mobile burger */
.nav-burger { display: none; background: none; border: none; color: white; font-size: 1.4rem; padding: .25rem; }

/* ── Sections ───────────────────────────────────────── */
.section { padding: 5rem 0; }
.section-sm { padding: 3rem 0; }
.section-alt { background: var(--off-white); }
.section-navy { background: var(--navy); color: white; }
.section-navy h2, .section-navy h3 { color: white; }
.section-navy p { color: rgba(255,255,255,.8); }
.section-navy .label-tag { background: rgba(201,168,76,.15); border-color: rgba(201,168,76,.3); color: var(--gold-light); }

/* ── Hero ───────────────────────────────────────────── */
.hero {
  background: linear-gradient(135deg, var(--navy-deep) 0%, var(--navy) 60%, #004080 100%);
  color: white;
  padding: 5.5rem 0;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute; inset: 0;
  background:
    radial-gradient(ellipse 70% 60% at 70% 50%, rgba(201,168,76,.07) 0%, transparent 70%),
    radial-gradient(ellipse 40% 50% at 90% 20%, rgba(0,102,204,.12) 0%, transparent 60%);
}
.hero-grid { display: grid; grid-template-columns: 1fr 1fr; align-items: center; gap: 3rem; position: relative; }
.hero-label { font-size: .72rem; font-weight: 700; text-transform: uppercase; letter-spacing: .1em; color: var(--gold); margin-bottom: .75rem; }
.hero h1 { color: white; margin-bottom: 1.25rem; }
.hero h1 em { font-style: normal; color: var(--gold); }
.hero p { color: rgba(255,255,255,.8); font-size: 1.05rem; max-width: 480px; margin-bottom: 2rem; }
.hero-btns { display: flex; gap: .85rem; flex-wrap: wrap; }
.hero-stats { display: flex; gap: 2.25rem; margin-top: 2.5rem; padding-top: 2rem; border-top: 1px solid rgba(255,255,255,.12); }
.hero-stat-num { font-family: var(--font-head); font-size: 1.7rem; font-weight: 800; color: var(--gold); }
.hero-stat-label { font-size: .78rem; color: rgba(255,255,255,.65); margin-top: .1rem; }
.hero-visual { position: relative; display: flex; align-items: center; justify-content: center; }
.hero-card {
  background: rgba(255,255,255,.07);
  backdrop-filter: blur(20px);
  border: 1px solid rgba(255,255,255,.12);
  border-radius: 16px;
  padding: 1.5rem;
  color: white;
  width: 280px;
}
.hero-card-label { font-size: .67rem; text-transform: uppercase; letter-spacing: .08em; color: rgba(255,255,255,.55); margin-bottom: .3rem; }
.hero-card-val { font-size: 1.7rem; font-weight: 800; color: var(--gold); font-family: var(--font-head); }
.hero-card-sub { font-size: .75rem; color: rgba(255,255,255,.6); margin-top: .2rem; }
.hero-card-divider { border: none; border-top: 1px solid rgba(255,255,255,.1); margin: .85rem 0; }
.hero-card-row { display: flex; justify-content: space-between; font-size: .82rem; padding: .3rem 0; }
.hero-card-row span:first-child { color: rgba(255,255,255,.6); }
.hero-card-row span:last-child { font-weight: 600; }

/* ── Product cards ─────────────────────────────────── */
.product-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.25rem; }
.product-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 1.75rem;
  transition: all .2s;
  position: relative;
  overflow: hidden;
}
.product-card::after {
  content: '';
  position: absolute; bottom: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--gold), var(--gold-dark));
  transform: scaleX(0); transform-origin: left;
  transition: transform .25s;
}
.product-card:hover { box-shadow: var(--shadow-md); transform: translateY(-3px); border-color: rgba(201,168,76,.3); }
.product-card:hover::after { transform: scaleX(1); }
.product-card-icon { width: 46px; height: 46px; background: var(--gold-bg); border-radius: 10px; display: flex; align-items: center; justify-content: center; font-size: 1.3rem; margin-bottom: 1.1rem; border: 1px solid rgba(201,168,76,.2); }
.product-card h4 { margin-bottom: .4rem; }
.product-card p { font-size: .875rem; color: var(--text-muted); line-height: 1.6; margin-bottom: 1.1rem; }
.product-card-link { font-size: .84rem; font-weight: 600; color: var(--navy); }
.product-card-link:hover { color: var(--gold-dark); text-decoration: none; }

/* ── Feature grid (why us) ─────────────────────────── */
.feature-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.5rem; }
.feature-item { text-align: center; }
.feature-num { font-family: var(--font-head); font-size: 2.2rem; font-weight: 800; color: var(--gold); line-height: 1; margin-bottom: .35rem; }
.feature-label { font-size: .875rem; color: var(--text-muted); font-weight: 500; }

/* ── Rate ticker ────────────────────────────────────── */
.rate-bar { background: var(--navy-deep); padding: .5rem 0; overflow: hidden; }
.rate-ticker { display: flex; align-items: center; gap: 2.5rem; font-size: .78rem; color: rgba(255,255,255,.75); white-space: nowrap; }
.rate-ticker-item { display: flex; align-items: center; gap: .75rem; }
.rate-currency { font-weight: 700; color: var(--gold); min-width: 40px; }
.rate-val { font-variant-numeric: tabular-nums; }
.rate-sep { color: rgba(255,255,255,.25); }
.rate-label { color: rgba(255,255,255,.4); font-size: .68rem; text-transform: uppercase; letter-spacing: .06em; margin-right: 1rem; font-weight: 700; }

/* ── News cards ─────────────────────────────────────── */
.news-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }
.news-card { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-lg); overflow: hidden; transition: .2s; }
.news-card:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); }
.news-card-img { height: 180px; background: var(--light-gray); display: flex; align-items: center; justify-content: center; font-size: 2.5rem; position: relative; overflow: hidden; }
.news-card-body { padding: 1.25rem; }
.news-card-tag { font-size: .68rem; font-weight: 700; text-transform: uppercase; letter-spacing: .06em; color: var(--gold-dark); margin-bottom: .5rem; }
.news-card h4 { font-size: .95rem; margin-bottom: .5rem; line-height: 1.4; }
.news-card p { font-size: .82rem; color: var(--text-muted); line-height: 1.6; margin-bottom: .85rem; }
.news-card-date { font-size: .73rem; color: var(--text-light); }

/* ── CTA band ───────────────────────────────────────── */
.cta-band {
  background: linear-gradient(120deg, var(--navy-deep), var(--navy-light));
  padding: 3.5rem 0;
  text-align: center;
  color: white;
}
.cta-band h2 { color: white; margin-bottom: .75rem; }
.cta-band p { color: rgba(255,255,255,.75); margin-bottom: 1.75rem; }
.cta-band-btns { display: flex; gap: .85rem; justify-content: center; flex-wrap: wrap; }

/* ── Footer ─────────────────────────────────────────── */
.site-footer { background: var(--navy-deep); color: rgba(255,255,255,.7); }
.footer-top { padding: 3.5rem 0 2.5rem; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 2.5rem; }
.footer-brand .nav-logo { margin-bottom: 1rem; }
.footer-brand p { font-size: .85rem; line-height: 1.7; max-width: 280px; color: rgba(255,255,255,.6); }
.footer-brand .footer-social { display: flex; gap: .65rem; margin-top: 1.25rem; }
.footer-social a { width: 34px; height: 34px; background: rgba(255,255,255,.08); border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: .82rem; color: rgba(255,255,255,.7); transition: .15s; }
.footer-social a:hover { background: var(--gold); color: var(--navy-deep); text-decoration: none; }
.footer-col h5 { color: white; font-size: .82rem; font-weight: 700; text-transform: uppercase; letter-spacing: .07em; margin-bottom: 1rem; }
.footer-col ul { list-style: none; }
.footer-col li { margin-bottom: .55rem; }
.footer-col a { font-size: .84rem; color: rgba(255,255,255,.6); transition: .15s; }
.footer-col a:hover { color: var(--gold); text-decoration: none; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.08); padding: 1.25rem 0; }
.footer-bottom .container { display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap; gap: .75rem; }
.footer-bottom p { font-size: .78rem; color: rgba(255,255,255,.45); }
.footer-bottom-links { display: flex; gap: 1.5rem; }
.footer-bottom-links a { font-size: .78rem; color: rgba(255,255,255,.45); }
.footer-bottom-links a:hover { color: var(--gold); text-decoration: none; }
.footer-reg { display: flex; align-items: center; gap: .75rem; margin-top: 1rem; }
.footer-reg-badge { background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.1); border-radius: var(--radius); padding: .35rem .75rem; font-size: .7rem; color: rgba(255,255,255,.55); }

/* ── Badges/misc ────────────────────────────────────── */
.trust-row { display: flex; align-items: center; gap: .85rem; flex-wrap: wrap; margin-top: 1.75rem; }
.trust-item { display: flex; align-items: center; gap: .5rem; background: var(--off-white); border: 1px solid var(--border); border-radius: var(--radius); padding: .4rem .85rem; font-size: .75rem; font-weight: 600; color: var(--text-muted); }

/* ── Page header ────────────────────────────────────── */
.page-hero { background: var(--navy); padding: 3rem 0; color: white; }
.page-hero h1 { font-size: clamp(1.5rem, 3vw, 2.25rem); color: white; }
.page-hero p { color: rgba(255,255,255,.75); margin-top: .5rem; }
.breadcrumb { display: flex; align-items: center; gap: .5rem; font-size: .8rem; color: rgba(255,255,255,.55); margin-bottom: .75rem; }
.breadcrumb a { color: var(--gold); }
.breadcrumb-sep { font-size: .65rem; }

/* ── Accordion (FAQ) ────────────────────────────────── */
.accordion-item { border: 1px solid var(--border); border-radius: var(--radius); margin-bottom: .65rem; overflow: hidden; }
.accordion-btn { width: 100%; background: none; border: none; padding: 1rem 1.25rem; text-align: left; font-size: .95rem; font-weight: 600; color: var(--text); display: flex; justify-content: space-between; align-items: center; cursor: pointer; transition: .15s; }
.accordion-btn:hover { background: var(--off-white); }
.accordion-btn.active { background: var(--gold-bg); color: var(--navy); }
.accordion-btn-icon { font-size: 1rem; transition: transform .2s; flex-shrink: 0; }
.accordion-btn.active .accordion-btn-icon { transform: rotate(45deg); }
.accordion-body { display: none; padding: 0 1.25rem 1.1rem; font-size: .88rem; color: var(--text-muted); line-height: 1.75; }
.accordion-body.open { display: block; }

/* ── Card ───────────────────────────────────────────── */
.card { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 2rem; box-shadow: var(--shadow-sm); }

/* ── Form ───────────────────────────────────────────── */
.form-group { margin-bottom: 1.1rem; }
.form-label { display: block; font-size: .82rem; font-weight: 600; color: var(--text-muted); margin-bottom: .4rem; }
.form-control {
  width: 100%; padding: .72rem 1rem;
  border: 1.5px solid var(--border); border-radius: var(--radius);
  font-size: .9rem; color: var(--text); background: var(--white);
  font-family: var(--font-body); outline: none; transition: .2s;
}
.form-control:focus { border-color: var(--navy); box-shadow: 0 0 0 3px rgba(0,48,92,.1); }
.form-control::placeholder { color: var(--text-light); }

/* ── Mobile nav overlay ─────────────────────────────── */
.mobile-menu {
  display: none;
  position: fixed; inset: 0;
  background: var(--navy-deep);
  z-index: 1000;
  flex-direction: column;
  padding: 1.5rem;
  overflow-y: auto;
}
.mobile-menu.open { display: flex; }
.mobile-menu-header { display: flex; justify-content: space-between; align-items: center; margin-bottom: 2rem; }
.mobile-close { background: none; border: none; color: white; font-size: 1.5rem; }
.mobile-nav-link {
  display: block; padding: .85rem 0;
  color: rgba(255,255,255,.85); font-size: 1rem; font-weight: 500;
  border-bottom: 1px solid rgba(255,255,255,.07);
  text-decoration: none;
}
.mobile-nav-link:hover { color: var(--gold); text-decoration: none; }
.mobile-nav-sub { padding-left: 1rem; }
.mobile-nav-sub a { font-size: .875rem; color: rgba(255,255,255,.6); padding: .5rem 0; display: block; }

/* ── Utility ────────────────────────────────────────── */
.text-center { text-align: center; }
.text-gold { color: var(--gold); }
.text-navy { color: var(--navy); }
.text-muted { color: var(--text-muted); }
.mt-1 { margin-top: .5rem; } .mt-2 { margin-top: 1rem; } .mt-3 { margin-top: 1.5rem; }
.mb-1 { margin-bottom: .5rem; } .mb-2 { margin-bottom: 1rem; } .mb-3 { margin-bottom: 1.5rem; }
.flex { display: flex; } .flex-center { display: flex; align-items: center; justify-content: center; }
.gap-1 { gap: .5rem; } .gap-2 { gap: 1rem; } .gap-3 { gap: 1.5rem; }
.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 1.5rem; }
.grid-3 { display: grid; grid-template-columns: repeat(3,1fr); gap: 1.5rem; }

/* ── Responsive ─────────────────────────────────────── */
@media (max-width: 1024px) {
  .feature-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 2rem; }
}
@media (max-width: 768px) {
  .nav-links, .nav-right { display: none; }
  .nav-burger { display: block; margin-left: auto; }
  .hero-grid { grid-template-columns: 1fr; }
  .hero-visual { display: none; }
  .hero { padding: 3.5rem 0; }
  .product-grid, .news-grid, .grid-2, .grid-3 { grid-template-columns: 1fr; }
  .feature-grid { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .topbar .topbar-left { display: none; }
  .section { padding: 3.5rem 0; }
  .hero-stats { flex-wrap: wrap; gap: 1.25rem; }
  .rate-ticker { gap: 1.5rem; }
}
@media (max-width: 480px) {
  .feature-grid { grid-template-columns: 1fr; }
  .hero-btns { flex-direction: column; align-items: flex-start; }
}