/* ============================================================
   DOMINION MAPLE BANK — Design System
   Type: Fraunces (display serif) + Inter (body/UI) + IBM Plex Mono (data)
   Palette: Deep Navy / Harbour Navy / Bank Gold / Paper / Charcoal / Line
   Signature: the "dominion maple" needle — a thin radial line that marks
   orientation across the site (nav, dividers, section markers).
   ============================================================ */

:root{
  --navy-deep:   #0B1F3D;
  --navy-ink:    #142B52;
  --navy-soft:   #1E3763;
  --gold:        #C79A3C;
  --gold-bright: #E3B75B;
  --paper:       #F6F3EC;
  --paper-dim:   #EFEAE0;
  --charcoal:    #1B1B18;
  --ink-soft:    #4A4A44;
  --line:        #D9D2C0;
  --line-on-navy: rgba(246,243,236,0.18);
  --white:       #FFFFFF;
  --success:     #3E6B4F;

  --serif: 'Fraunces', Georgia, serif;
  --sans:  'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  --mono:  'IBM Plex Mono', 'SFMono-Regular', Consolas, monospace;

  --radius: 2px;
  --container: 1180px;
}

*,*::before,*::after{ box-sizing:border-box; }
html{ scroll-behavior:smooth; }
body{
  margin:0;
  background:var(--paper);
  color:var(--charcoal);
  font-family:var(--sans);
  font-size:16px;
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
}
img{ max-width:100%; display:block; }
a{ color:inherit; text-decoration:none; }
ul{ margin:0; padding:0; list-style:none; }
h1,h2,h3,h4{ font-family:var(--serif); font-weight:600; margin:0; color:var(--navy-deep); }
p{ margin:0; }
.container{ max-width:var(--container); margin:0 auto; padding:0 24px; }

/* focus visibility */
a:focus-visible, button:focus-visible, input:focus-visible, textarea:focus-visible, select:focus-visible{
  outline:2px solid var(--gold); outline-offset:2px;
}
@media (prefers-reduced-motion: reduce){
  *{ animation-duration:0.001ms !important; transition-duration:0.001ms !important; scroll-behavior:auto !important; }
}

/* ---------- eyebrow / label system ---------- */
.eyebrow{
  font-family:var(--mono);
  font-size:12px;
  letter-spacing:0.14em;
  text-transform:uppercase;
  color:var(--gold);
  display:flex;
  align-items:center;
  gap:10px;
}
.eyebrow::before{
  content:"";
  width:16px; height:1px;
  background:var(--gold);
  display:inline-block;
}

/* ---------- utility bar ---------- */
.utility-bar{
  background:var(--navy-deep); color:#AEB7CC;
}
.utility-bar .container{
  display:flex; align-items:center; justify-content:space-between;
  padding-top:8px; padding-bottom:8px; font-size:12px;
}
.utility-links{ display:flex; gap:18px; }
.utility-links a:hover{ color:var(--gold-bright); }
.utility-phone{ font-family:var(--mono); letter-spacing:0.03em; }

/* ---------- header / nav ---------- */
.site-header{
  position:sticky; top:0; z-index:100;
  background:var(--paper);
  border-bottom:1px solid var(--line);
}
.header-bar{
  display:flex; align-items:center; justify-content:space-between;
  padding:14px 24px;
  max-width:var(--container); margin:0 auto;
  gap:20px;
}
.brand{ display:flex; align-items:center; gap:12px; }
.brand img{ height:44px; width:auto; }
.brand-text{ font-family:var(--serif); font-weight:600; font-size:19px; color:var(--navy-deep); letter-spacing:0.01em; line-height:1.1; }
.brand-text small{ display:block; font-family:var(--mono); font-size:10px; letter-spacing:0.12em; color:var(--gold); font-weight:500; text-transform:uppercase; margin-top:2px; }

.main-nav{ display:flex; align-items:center; gap:2px; }
.main-nav a{
  font-size:13.5px; font-weight:500; color:var(--navy-deep);
  padding:10px 14px; position:relative; white-space:nowrap;
}
.main-nav a::after{
  content:""; position:absolute; left:14px; right:14px; bottom:6px; height:1px;
  background:var(--gold); transform:scaleX(0); transform-origin:left;
  transition:transform .25s ease;
}
.main-nav a:hover::after, .main-nav a[aria-current="page"]::after{ transform:scaleX(1); }
.main-nav a[aria-current="page"]{ color:var(--gold); }
.main-nav a.nav-secondary{ display:none; }

.header-cta{ display:flex; align-items:center; gap:10px; }

.nav-toggle{
  display:none; background:none; border:1px solid var(--line); border-radius:var(--radius);
  padding:8px 10px; cursor:pointer;
}
.nav-toggle span{ display:block; width:20px; height:1.5px; background:var(--navy-deep); margin:4px 0; }

/* ---------- buttons ---------- */
.btn{
  display:inline-flex; align-items:center; justify-content:center; gap:8px;
  font-family:var(--sans); font-weight:600; font-size:14px;
  padding:12px 22px; border-radius:var(--radius); border:1px solid transparent;
  cursor:pointer; transition:background .2s ease, color .2s ease, border-color .2s ease, transform .15s ease;
  white-space:nowrap;
}
.btn:active{ transform:translateY(1px); }
.btn-gold{ background:var(--gold); color:var(--navy-deep); }
.btn-gold:hover{ background:var(--gold-bright); }
.btn-navy{ background:var(--navy-deep); color:var(--paper); }
.btn-navy:hover{ background:var(--navy-soft); }
.btn-outline{ background:transparent; border-color:var(--navy-deep); color:var(--navy-deep); }
.btn-outline:hover{ background:var(--navy-deep); color:var(--paper); }
.btn-outline-light{ background:transparent; border-color:var(--line-on-navy); color:var(--paper); }
.btn-outline-light:hover{ background:rgba(255,255,255,0.08); }
.btn-sm{ padding:9px 16px; font-size:13px; }
.btn-block{ width:100%; }

/* ---------- hero ---------- */
.hero{
  background:var(--navy-deep);
  color:var(--paper);
  position:relative;
  overflow:hidden;
}
.hero-grid{
  display:grid; grid-template-columns:1.05fr 0.95fr; gap:40px; align-items:center;
  padding:76px 24px 64px; max-width:var(--container); margin:0 auto; position:relative; z-index:2;
}
.hero h1{
  color:var(--paper); font-size:clamp(34px,4.4vw,58px); line-height:1.05; margin:18px 0 22px; letter-spacing:-0.01em;
}
.hero h1 em{ font-style:italic; color:var(--gold-bright); }
.hero p.lead{ font-size:17px; color:#D7DBE6; max-width:480px; margin-bottom:32px; }
.hero-actions{ display:flex; flex-wrap:wrap; gap:12px; }
.hero-note{ margin-top:28px; font-family:var(--mono); font-size:12px; color:#8E9BB8; letter-spacing:0.04em; }

.compass-mark{ width:100%; max-width:420px; margin:0 auto; position:relative; }
.compass-mark svg{ width:100%; height:auto; }
.needle-spin{ transform-origin:200px 200px; animation:needle-settle 1.8s cubic-bezier(.2,.9,.25,1) both; }
@keyframes needle-settle{
  0%{ transform:rotate(-38deg); opacity:0; }
  60%{ opacity:1; }
  100%{ transform:rotate(0deg); opacity:1; }
}
@media (prefers-reduced-motion: reduce){ .needle-spin{ animation:none; } }

.hero-bg-lines{ position:absolute; inset:0; z-index:1; opacity:0.5; pointer-events:none; }

/* ---------- section scaffolding ---------- */
section{ padding:72px 0; }
.section-head{ max-width:640px; margin-bottom:40px; }
.section-head h2{ font-size:clamp(26px,3vw,36px); margin-top:14px; line-height:1.15; }
.section-head p{ color:var(--ink-soft); margin-top:14px; font-size:15.5px; }
.divider{ height:1px; background:var(--line); border:none; margin:0; }
.bg-alt{ background:var(--paper-dim); }
.bg-navy{ background:var(--navy-deep); color:var(--paper); }
.bg-navy h2, .bg-navy h3, .bg-navy h4{ color:var(--paper); }
.bg-navy .section-head p{ color:#C6CCDA; }

/* ---------- welcome / intro ---------- */
.welcome{ display:grid; grid-template-columns:1fr 1fr; gap:56px; align-items:start; }
.welcome .eyebrow{ margin-bottom:14px; }
.welcome h2{ font-size:clamp(26px,3vw,34px); line-height:1.18; }
.welcome-copy p{ color:var(--ink-soft); font-size:15.5px; margin-bottom:16px; }
.stat-row{ display:grid; grid-template-columns:repeat(3,1fr); gap:24px; margin-top:8px; }
.stat{ border-top:1px solid var(--line); padding-top:14px; }
.stat .num{ font-family:var(--mono); font-size:26px; color:var(--navy-deep); font-weight:600; }
.stat .label{ font-size:12.5px; color:var(--ink-soft); margin-top:4px; }

/* ---------- quick login ---------- */
.quicklogin{
  background:var(--white); border:1px solid var(--line); border-radius:var(--radius);
  padding:28px; box-shadow:0 20px 40px -28px rgba(11,31,61,0.35);
}
.quicklogin h3{ font-size:18px; }
.quicklogin .eyebrow{ margin-bottom:10px; }
.field{ margin-top:16px; }
.field label{ display:block; font-size:12.5px; font-weight:600; color:var(--navy-deep); margin-bottom:6px; }
.field input{
  width:100%; padding:11px 12px; border:1px solid var(--line); border-radius:var(--radius);
  font-family:var(--sans); font-size:14px; background:var(--paper);
}
.field input:focus{ background:var(--white); }
.quicklogin-row{ display:flex; align-items:center; justify-content:space-between; margin-top:14px; font-size:12.5px; }
.quicklogin-row a{ color:var(--navy-soft); text-decoration:underline; text-underline-offset:2px; }
.quicklogin .btn{ margin-top:18px; }
.quicklogin-foot{ margin-top:16px; padding-top:16px; border-top:1px solid var(--line); font-size:12.5px; color:var(--ink-soft); text-align:center; }

/* ---------- cards ---------- */
.card-grid{ display:grid; grid-template-columns:repeat(3,1fr); gap:24px; }
.card{
  background:var(--white); border:1px solid var(--line); border-radius:var(--radius);
  padding:26px; transition:transform .2s ease, box-shadow .2s ease;
}
.card:hover{ transform:translateY(-3px); box-shadow:0 24px 40px -30px rgba(11,31,61,0.4); }
.card .tag{ font-family:var(--mono); font-size:11px; color:var(--gold); letter-spacing:0.08em; text-transform:uppercase; }
.card h3{ font-size:18px; margin-top:10px; }
.card p{ font-size:14px; color:var(--ink-soft); margin-top:10px; }
.card .link{ display:inline-flex; align-items:center; gap:6px; margin-top:16px; font-size:13px; font-weight:600; color:var(--navy-deep); }
.card .link .arrow{ transition:transform .2s ease; }
.card:hover .link .arrow{ transform:translateX(3px); }

/* ---------- rates table ---------- */
.rates-panel{ background:var(--navy-deep); color:var(--paper); border-radius:var(--radius); overflow:hidden; }
.rates-head{ display:flex; justify-content:space-between; align-items:center; padding:22px 26px; border-bottom:1px solid var(--line-on-navy); }
.rates-head h3{ color:var(--paper); font-size:18px; }
.rates-head .as-of{ font-family:var(--mono); font-size:11px; color:#8E9BB8; }
.rate-row{ display:grid; grid-template-columns:1.6fr 0.9fr 0.9fr; padding:16px 26px; border-bottom:1px solid var(--line-on-navy); align-items:center; }
.rate-row:last-child{ border-bottom:none; }
.rate-row .name{ font-size:14.5px; }
.rate-row .sub{ font-size:12px; color:#8E9BB8; margin-top:2px; }
.rate-row .value{ font-family:var(--mono); font-size:20px; color:var(--gold-bright); text-align:right; }
.rate-row .value-label{ font-family:var(--mono); font-size:10.5px; color:#8E9BB8; text-align:right; letter-spacing:0.08em; text-transform:uppercase; margin-top:3px; }
.rates-foot{ padding:16px 26px; font-size:11.5px; color:#8E9BB8; }

/* ---------- announcements ---------- */
.announce-list{ display:flex; flex-direction:column; }
.announce-item{
  display:grid; grid-template-columns:120px 1fr auto; gap:20px; align-items:baseline;
  padding:20px 0; border-bottom:1px solid var(--line);
}
.announce-item:first-child{ border-top:1px solid var(--line); }
.announce-date{ font-family:var(--mono); font-size:12px; color:var(--gold); letter-spacing:0.04em; }
.announce-title{ font-size:15.5px; font-weight:600; color:var(--navy-deep); }
.announce-cat{ font-family:var(--mono); font-size:11px; color:var(--ink-soft); text-transform:uppercase; letter-spacing:0.06em; }

/* ---------- CTA banner ---------- */
.cta-banner{
  background:var(--gold); color:var(--navy-deep); border-radius:var(--radius);
  padding:44px; display:flex; align-items:center; justify-content:space-between; gap:24px; flex-wrap:wrap;
}
.cta-banner h3{ color:var(--navy-deep); font-size:24px; max-width:460px; }
.cta-banner p{ color:#3B2E12; margin-top:8px; font-size:14px; max-width:460px; }

/* ---------- footer ---------- */
.site-footer{ background:var(--navy-deep); color:#C6CCDA; padding-top:56px; }
.footer-grid{ display:grid; grid-template-columns:1.4fr repeat(5,1fr); gap:28px; padding-bottom:40px; }
.footer-brand .brand-text{ color:var(--paper); }
.footer-brand p{ font-size:13px; color:#8E9BB8; margin-top:14px; max-width:230px; }
.footer-col h4{ color:var(--paper); font-size:12.5px; letter-spacing:0.08em; text-transform:uppercase; margin-bottom:14px; font-family:var(--sans); font-weight:700; }
.footer-col a{ display:block; font-size:13.5px; color:#AEB7CC; padding:5px 0; }
.footer-col a:hover{ color:var(--gold-bright); }
.footer-bottom{
  border-top:1px solid var(--line-on-navy); padding:22px 0; display:flex; justify-content:space-between;
  align-items:center; flex-wrap:wrap; gap:12px; font-size:12px; color:#8E9BB8;
}
.footer-legal{ display:flex; gap:18px; flex-wrap:wrap; }
.footer-legal a{ color:#8E9BB8; }
.footer-legal a:hover{ color:var(--gold-bright); }

/* ---------- minimal app header (auth / dashboard / admin) ---------- */
.app-header{ background:var(--paper); border-bottom:1px solid var(--line); }
.app-header-bar{ display:flex; align-items:center; justify-content:space-between; padding:16px 24px; }
.app-header-back{ font-size:13px; color:var(--navy-soft); }
.app-header-back:hover{ text-decoration:underline; }

/* ---------- legal / policy pages ---------- */
.legal-hero{ background:var(--navy-deep); color:var(--paper); padding:52px 0 40px; }
.legal-hero .container{ max-width:760px; }
.legal-hero h1{ color:var(--paper); font-size:clamp(28px,4vw,40px); margin-top:14px; line-height:1.15; }
.legal-hero .meta{ font-family:var(--mono); font-size:12px; color:#8E9BB8; margin-top:14px; }
.legal-jump{ display:flex; flex-wrap:wrap; gap:8px; padding:24px 0; border-bottom:1px solid var(--line); margin-bottom:12px; }
.legal-jump a{ font-family:var(--mono); font-size:11.5px; padding:7px 13px; border:1px solid var(--line); border-radius:16px; color:var(--navy-deep); }
.legal-jump a:hover{ background:var(--navy-deep); color:var(--paper); border-color:var(--navy-deep); }
.legal-body{ max-width:760px; }
.legal-section{ padding:34px 0; border-bottom:1px solid var(--line); }
.legal-section:last-child{ border-bottom:none; }
.legal-section h2{ font-size:21px; margin-bottom:14px; }
.legal-section h3{ font-size:16px; margin-top:20px; margin-bottom:8px; color:var(--navy-deep); font-family:var(--sans); font-weight:700; }
.legal-section p{ font-size:14.5px; color:var(--ink-soft); margin-bottom:12px; }
.legal-section ul{ margin:10px 0 12px; display:flex; flex-direction:column; gap:8px; }
.legal-section li{ font-size:14.5px; color:var(--ink-soft); padding-left:18px; position:relative; }
.legal-section li::before{ content:"\2013"; position:absolute; left:0; color:var(--gold); }
.legal-note{ background:var(--paper-dim); border:1px solid var(--line); border-left:3px solid var(--gold); border-radius:var(--radius); padding:16px 18px; font-size:13.5px; color:var(--ink-soft); margin-top:16px; }
.mt-0{margin-top:0;}
.text-center{text-align:center;}

/* ---------- responsive ---------- */
@media (max-width: 980px){
  .utility-bar{ display:none; }
  .main-nav{
    display:none; flex-direction:column; align-items:stretch; gap:0;
    position:absolute; top:100%; left:0; right:0;
    background:var(--paper); border-bottom:1px solid var(--line);
    padding:8px 24px 18px; max-height:75vh; overflow-y:auto;
  }
  .main-nav.nav-open{ display:flex; }
  .main-nav a{ padding:12px 4px; border-bottom:1px solid var(--line); }
  .main-nav a::after{ display:none; }
  .main-nav a.nav-secondary{ display:block; }
  .main-nav .nav-section-label{
    display:block; font-family:var(--mono); font-size:10.5px; letter-spacing:0.1em;
    text-transform:uppercase; color:var(--gold); padding:14px 4px 4px;
  }
  .nav-toggle{ display:block; }
  .hero-grid{ grid-template-columns:1fr; padding-top:48px; }
  .compass-mark{ max-width:260px; order:-1; }
  .welcome{ grid-template-columns:1fr; gap:36px; }
  .card-grid{ grid-template-columns:1fr; }
  .stat-row{ grid-template-columns:repeat(3,1fr); }
  .footer-grid{ grid-template-columns:repeat(2,1fr); }
  .announce-item{ grid-template-columns:1fr; gap:6px; }
  .cta-banner{ flex-direction:column; align-items:flex-start; }
}
@media (max-width: 560px){
  .footer-grid{ grid-template-columns:1fr 1fr; }
  .stat-row{ grid-template-columns:1fr; gap:14px; }
  .rate-row{ grid-template-columns:1fr; gap:6px; }
  .rate-row .value, .rate-row .value-label{ text-align:left; }
}

/* ============================================================
   DOMINION MAPLE BANK — OMAHA / SHARP MINIMAL UX LAYER
   Direction: crisp grid, high-contrast surfaces, restrained maple accent,
   square geometry, shorter navigation, clear financial hierarchy.
   ============================================================ */
:root{
  --navy-deep:#0B1220;
  --navy-ink:#111B2E;
  --navy-soft:#26344D;
  --gold:#C83A32;
  --gold-bright:#E05A50;
  --paper:#F7F8FA;
  --paper-dim:#EEF1F5;
  --charcoal:#10141C;
  --ink-soft:#5D6675;
  --line:#D8DEE7;
  --line-on-navy:rgba(255,255,255,.13);
  --white:#FFFFFF;
  --success:#16734A;
  --serif:Inter,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;
  --sans:Inter,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;
  --mono:"IBM Plex Mono","SFMono-Regular",Consolas,monospace;
  --radius:0px;
  --container:1240px;
}

body{background:var(--paper);color:var(--charcoal);font-size:15px;line-height:1.55;}
h1,h2,h3,h4{font-family:var(--sans);font-weight:700;letter-spacing:-.035em;color:var(--navy-deep);}
.container{max-width:var(--container);padding-left:28px;padding-right:28px;}

.utility-bar{background:#080D16;color:#AAB4C3;border-bottom:1px solid #1C2636;}
.utility-bar .container{padding-top:7px;padding-bottom:7px;font-size:11px;}
.utility-links{gap:22px;}
.utility-links a:hover{color:#fff;}

.site-header{background:rgba(247,248,250,.96);backdrop-filter:blur(14px);border-bottom:1px solid var(--line);}
.header-bar{max-width:var(--container);padding:13px 28px;}
.brand{gap:10px;}
.brand img{height:38px;width:38px;object-fit:contain;}
.brand-text{font-family:var(--sans);font-size:16px;font-weight:750;letter-spacing:-.02em;}
.brand-text small{font-family:var(--mono);font-size:8px;letter-spacing:.14em;color:var(--gold);margin-top:1px;}
.main-nav{gap:0;}
.main-nav a{font-size:12.5px;font-weight:600;padding:9px 11px;color:#263144;}
.main-nav a::after{left:11px;right:11px;bottom:3px;background:var(--gold);height:2px;}
.main-nav a[aria-current="page"]{color:var(--charcoal);}
.nav-section-label{font-family:var(--mono);font-size:9px;letter-spacing:.12em;text-transform:uppercase;color:#8A93A1;margin:0 7px;}

.btn{border-radius:0;padding:11px 18px;font-size:13px;font-weight:700;letter-spacing:-.01em;box-shadow:none;}
.btn-gold{background:var(--gold);color:#fff;}
.btn-gold:hover{background:var(--gold-bright);}
.btn-navy{background:var(--navy-deep);color:#fff;}
.btn-navy:hover{background:#1B2940;}
.btn-outline{border-color:#AEB7C5;color:var(--navy-deep);background:#fff;}
.btn-outline:hover{background:var(--navy-deep);color:#fff;border-color:var(--navy-deep);}
.btn-outline-light{border-color:rgba(255,255,255,.35);color:#fff;}
.btn-outline-light:hover{background:#fff;color:var(--navy-deep);}

.hero{background:var(--navy-deep);}
.hero-grid{grid-template-columns:minmax(0,1.18fr) minmax(340px,.82fr);gap:72px;padding:92px 28px 88px;}
.hero h1{font-size:clamp(42px,5.4vw,76px);line-height:.98;letter-spacing:-.055em;max-width:720px;margin:16px 0 24px;}
.hero h1 em{font-style:normal;color:#FF8A82;}
.hero p.lead{font-size:16px;line-height:1.7;color:#C7D0DC;max-width:570px;margin-bottom:30px;}
.hero-note{font-family:var(--mono);font-size:10px;color:#8390A3;margin-top:22px;letter-spacing:.03em;}
.eyebrow{font-family:var(--mono);font-size:10px;letter-spacing:.16em;color:var(--gold);font-weight:600;}
.eyebrow::before{width:22px;background:currentColor;}
.hero-bg-lines{opacity:.28;}
.compass-mark{max-width:430px;border:1px solid rgba(255,255,255,.16);padding:28px;background:linear-gradient(135deg,rgba(255,255,255,.035),rgba(255,255,255,.01));}
.compass-mark svg{opacity:.92;}

section{padding:84px 0;}
.section-head{max-width:700px;margin-bottom:42px;}
.section-head h2{font-size:clamp(30px,3.5vw,46px);line-height:1.02;margin-top:12px;}
.section-head p{color:var(--ink-soft);font-size:15px;}
.bg-alt{background:#EEF1F5;}
.bg-navy{background:var(--navy-deep);}
.divider{background:var(--line);}

.welcome{grid-template-columns:1.05fr .95fr;gap:80px;}
.welcome h2{font-size:clamp(30px,3.5vw,48px);line-height:1.02;}
.welcome-copy p{color:var(--ink-soft);font-size:15px;}
.stat-row{gap:0;border-top:1px solid var(--line);margin-top:28px;}
.stat{border-top:0;border-right:1px solid var(--line);padding:18px 20px 0 0;margin-right:20px;}
.stat:last-child{border-right:0;}
.stat .num{font-family:var(--sans);font-size:30px;letter-spacing:-.04em;color:var(--navy-deep);}
.stat .label{font-size:11px;text-transform:uppercase;letter-spacing:.06em;}

.quicklogin{background:#fff;border:1px solid #C9D1DD;padding:30px;box-shadow:12px 12px 0 rgba(11,18,32,.06);}
.quicklogin h3{font-size:24px;letter-spacing:-.035em;}
.field input{border-radius:0;border:1px solid #BFC8D5;background:#fff;padding:13px 12px;}
.field input:focus{border-color:var(--navy-deep);box-shadow:0 0 0 2px rgba(11,18,32,.08);}

.card-grid{gap:16px;}
.card{background:#fff;border:1px solid #D1D8E2;border-radius:0;padding:24px;box-shadow:none;}
.card:hover{transform:translateY(-2px);box-shadow:8px 8px 0 rgba(11,18,32,.05);}
.card .tag{color:var(--gold);font-size:9px;font-weight:700;}
.card h3{font-size:18px;margin-top:12px;}
.card p{font-size:13px;line-height:1.6;}
.card .link{font-size:12px;text-transform:uppercase;letter-spacing:.05em;}

.rates-panel{background:#0E1727;border-radius:0;border:1px solid #273449;box-shadow:12px 12px 0 rgba(11,18,32,.08);}
.rates-head{padding:20px 22px;border-bottom:1px solid var(--line-on-navy);}
.rate-row{padding:17px 22px;}
.rate-row .value{color:#FF8A82;font-size:19px;}

.announce-item{grid-template-columns:120px 1fr 130px;gap:22px;padding:20px 0;border-bottom:1px solid var(--line);}
.announce-title{font-size:14px;}
.announce-date,.announce-cat{font-size:9px;letter-spacing:.1em;}

.cta-banner{background:#C83A32;border-radius:0;padding:34px 38px;box-shadow:12px 12px 0 rgba(11,18,32,.07);}
.cta-banner h3{font-size:28px;color:#fff;}
.cta-banner p{color:#FFE7E5;}

.site-footer{background:#080D16;padding-top:60px;color:#B4BFCE;}
.footer-grid{grid-template-columns:1.6fr repeat(4,1fr);gap:32px;}
.footer-brand .brand-text{color:#fff;}
.footer-brand p{color:#7F8A9B;}
.footer-col h4{color:#fff;font-size:10px;letter-spacing:.12em;}
.footer-col a{color:#9EA9B9;font-size:12.5px;}
.footer-col a:hover{color:#FF8A82;}
.footer-bottom{border-top:1px solid #202A39;padding:18px 0;}

.app-header{background:#fff;border-bottom:1px solid var(--line);}
.app-header-bar{padding:14px 28px;}
.app-header-back{font-size:12px;color:#586476;}

.legal-hero{background:var(--navy-deep);padding:64px 0 48px;}
.legal-hero h1{font-size:clamp(36px,5vw,58px);letter-spacing:-.05em;}
.legal-jump a{border-radius:0;font-family:var(--mono);}
.legal-note{border-radius:0;border-left:3px solid var(--gold);background:#F0F2F5;}

/* Generic page heroes / content panels used by secondary pages */
.about-hero,.loc-hero,.page-hero,.service-hero,.digital-hero,.community-hero,.business-hero{background:var(--navy-deep) !important;color:#fff !important;}
.about-hero h1,.loc-hero h1,.page-hero h1,.service-hero h1,.digital-hero h1,.community-hero h1,.business-hero h1{color:#fff !important;letter-spacing:-.05em;}
.about-hero p,.loc-hero p,.page-hero p,.service-hero p,.digital-hero p,.community-hero p,.business-hero p{color:#C7D0DC;}

/* Keep dense operational screens crisp and easy to scan. */
table{border-collapse:collapse;}
th{font-family:var(--mono);font-size:10px;text-transform:uppercase;letter-spacing:.08em;}
input,select,textarea{border-radius:0 !important;}

@media (max-width:980px){
  .header-bar{padding:12px 20px;}
  .main-nav{display:none;}
  .nav-toggle{display:block;}
  .hero-grid{grid-template-columns:1fr;gap:44px;padding:68px 20px;}
  .compass-mark{max-width:360px;margin-left:0;}
  .welcome{grid-template-columns:1fr;gap:40px;}
  .footer-grid{grid-template-columns:1.4fr 1fr 1fr;}
}
@media (max-width:700px){
  .container{padding-left:18px;padding-right:18px;}
  section{padding:62px 0;}
  .utility-links{display:none;}
  .utility-bar .container{justify-content:flex-end;}
  .header-cta .btn-outline{display:none;}
  .brand-text{font-size:14px;}
  .hero h1{font-size:clamp(40px,12vw,58px);}
  .hero-actions{flex-direction:column;align-items:stretch;}
  .hero-actions .btn{width:100%;}
  .card-grid{grid-template-columns:1fr !important;}
  .stat-row{grid-template-columns:1fr 1fr;}
  .stat{margin-bottom:18px;}
  .announce-item{grid-template-columns:1fr;gap:5px;}
  .footer-grid{grid-template-columns:1fr 1fr;}
  .footer-brand{grid-column:1/-1;}
}
@media (max-width:560px){
  .stat-row{grid-template-columns:1fr;}
  .footer-grid{grid-template-columns:1fr;}
  .footer-brand{grid-column:auto;}
  .cta-banner{padding:28px 22px;}
}