/* Equicom Savings Bank — white-first public site
   Tokens from /workspace/eqb-brand-kit/BRAND.md */

:root {
  --white: #ffffff;
  --cream: #f6f5f1;
  --red: #ed1c24;
  --red-dark: #c4151c;
  --gold: #f1bc52;
  --ink: #121417;
  --body: #3a3d42;
  --muted: #5c6066;
  --border: #e3e3df;
  --soft-red: #fdecec;
  --soft-gold: #fff8e8;
  --link: #8a2e12;
  --footer: #7b0f13;
  --shadow: 0 12px 32px rgba(18, 20, 23, 0.08);
  --shadow-sm: 0 4px 16px rgba(18, 20, 23, 0.06);
  --radius: 6px;
  --radius-sm: 4px;
  --max: 1120px;
  --font: "Inter", "Segoe UI", system-ui, -apple-system, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font);
  font-size: 16px;
  line-height: 1.55;
  color: var(--body);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--link); text-decoration: none; }
a:hover { text-decoration: underline; }
h1, h2, h3, h4 {
  line-height: 1.2;
  margin: 0 0 0.5em;
  font-weight: 700;
  color: var(--ink);
}
h1 { font-size: clamp(2rem, 4vw, 2.75rem); font-weight: 800; letter-spacing: -0.02em; }
h2 { font-size: clamp(1.35rem, 2.4vw, 1.5rem); font-weight: 600; }
h3, .h3 { font-size: 1.05rem; font-weight: 700; }
p { margin: 0 0 1em; }
ul { margin: 0 0 1em; padding-left: 1.2em; }
.muted { color: var(--muted); }
.sr-only {
  position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0,0,0,0); border: 0;
}

.wrap {
  width: min(100% - 2rem, var(--max));
  margin-inline: auto;
}

/* Header */
.site-header {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255,255,255,0.97);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--border);
}
.header-inner {
  display: flex; align-items: center; gap: 1rem;
  min-height: 68px; padding: 0.7rem 0;
}
.brand {
  display: flex; align-items: center;
  color: var(--ink); text-decoration: none; flex-shrink: 0;
}
.brand:hover { text-decoration: none; }
.brand img { height: 42px; width: auto; max-width: 190px; object-fit: contain; }

.nav {
  display: flex; align-items: center; gap: 0.1rem; margin-left: auto;
}
.nav > a {
  color: var(--ink); font-size: 0.9rem; font-weight: 500;
  padding: 0.5rem 0.7rem; border-radius: 8px; text-decoration: none;
}
.nav > a:hover,
.nav > a[aria-current="page"] {
  background: var(--cream); color: var(--red); text-decoration: none;
}

.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 0.4rem;
  font-family: inherit; font-size: 0.95rem; font-weight: 600;
  padding: 0.75rem 1.35rem; border-radius: 4px; border: 2px solid transparent;
  cursor: pointer; text-decoration: none; line-height: 1.2;
  transition: background 0.15s, color 0.15s, border-color 0.15s, box-shadow 0.15s, transform 0.1s;
}
.btn:hover { text-decoration: none; transform: translateY(-1px); }
.btn:active { transform: translateY(0); }
.btn-primary {
  background: var(--red); color: #fff; border-color: var(--red);
  box-shadow: none;
}
.btn-primary:hover { background: var(--red-dark); border-color: var(--red-dark); color: #fff; }
.btn-outline { background: #fff; color: var(--red); border-color: var(--red); }
.btn-outline:hover { background: var(--soft-red); color: var(--red-dark); }
.btn-ghost { background: transparent; color: var(--ink); border-color: var(--border); }
.btn-sm { padding: 0.5rem 1.05rem; font-size: 0.85rem; }
.btn-login { margin-left: 0.4rem; }

.menu-toggle {
  display: none;
  background: none; border: 0; padding: 0.4rem; cursor: pointer;
  width: 40px; height: 40px; border-radius: 8px;
}
.menu-toggle:hover { background: var(--cream); }
.menu-toggle span {
  display: block; height: 2px; background: var(--ink); margin: 5px 0; border-radius: 1px;
  transition: transform 0.25s ease, opacity 0.2s ease;
}
.menu-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.menu-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.menu-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }
@media (prefers-reduced-motion: reduce) { .menu-toggle span { transition: none; } }

.mobile-login { display: none; }
.header-actions-mobile {
  display: none; align-items: center; gap: 0.35rem; margin-left: auto;
}

/* Hero — Home */
.hero {
  background: var(--cream);
  padding: 3.5rem 0 3.75rem;
}
.hero-grid {
  display: grid; grid-template-columns: 1.05fr 0.95fr;
  gap: 2.75rem; align-items: center;
}
.hero-eyebrow {
  font-size: 0.72rem; font-weight: 600; letter-spacing: 0.08em;
  text-transform: uppercase; color: var(--muted); margin: 0 0 0.75rem;
}
.hero-copy h1 { margin-bottom: 0.55rem; }
.gold-rule {
  display: block; width: 48px; height: 3px; border-radius: 2px;
  background: var(--gold); margin: 0 0 1rem;
}
.hero-copy .lede {
  color: var(--body); font-size: 1.05rem; max-width: 38ch; margin-bottom: 1.6rem;
}
.hero-actions { display: flex; flex-wrap: wrap; gap: 0.75rem; }

.hero-visual {
  background: var(--white);
  border-radius: 6px;
  padding: 1.25rem;
  box-shadow: var(--shadow);
  border: 1px solid var(--border);
}
.hero-visual img {
  width: 100%;
  border-radius: 6px;
  object-fit: contain;
  background: var(--soft-gold);
}

/* Page hero (inner) */
.page-hero {
  background: var(--cream);
  padding: 2.75rem 0 2.5rem;
}
.page-hero .lede {
  color: var(--body); max-width: 54ch; margin: 0; font-size: 1.02rem;
}
.page-hero .gold-rule { margin-top: 0.35rem; }

/* Sections */
.section { padding: 3.25rem 0; }
.section-cream { background: var(--cream); }
.section-title { text-align: center; margin-bottom: 0.35rem; }
.section-sub {
  text-align: center; color: var(--muted); margin: 0 auto 2rem; max-width: 48ch;
}
.section-head {
  display: flex; flex-wrap: wrap; align-items: end; justify-content: space-between;
  gap: 1rem; margin-bottom: 1.5rem;
}

/* Need cards */
.card-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.35rem;
}
.card-grid-2 { grid-template-columns: repeat(2, 1fr); }
.card-grid-4 { grid-template-columns: repeat(4, 1fr); }

.card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 1.5rem 1.45rem 1.4rem;
  box-shadow: var(--shadow-sm);
  display: flex; flex-direction: column;
  transition: box-shadow 0.15s, transform 0.15s;
}
.card:hover { border-color: #c9c9c9; }
.card-icon {
  width: 44px; height: 44px;
  display: grid; place-items: center;
  margin-bottom: 0.85rem;
  color: var(--red);
}
.card-icon svg { width: 40px; height: 40px; }
.card h3, .card .h3 { margin: 0 0 0.35rem; }
.card .gold-rule { margin-bottom: 0.75rem; }
.card p {
  color: var(--muted); font-size: 0.95rem; flex: 1; margin-bottom: 1.15rem;
}
.card .btn { align-self: flex-start; margin-top: auto; }

.list-card {
  display: flex; align-items: center; gap: 1rem;
  padding: 1.05rem 1.2rem;
  background: var(--white); border: 1px solid var(--border);
  border-radius: var(--radius-sm); box-shadow: var(--shadow-sm);
  text-decoration: none; color: var(--ink);
}
.list-card:hover {
  border-color: #f0c0c2; box-shadow: var(--shadow); text-decoration: none;
}
.list-card .arrow { margin-left: auto; color: var(--red); font-weight: 700; }
.list-card strong { display: block; }
.list-card span { color: var(--muted); font-size: 0.88rem; }
.list-card img {
  width: 48px; height: 48px; object-fit: contain; flex-shrink: 0;
}


/* Advisory teaser */
.advisory-teaser {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 1.35rem 1.5rem;
  display: flex; flex-wrap: wrap; gap: 1rem; align-items: center;
  justify-content: space-between;
  box-shadow: var(--shadow-sm);
}
.advisory-teaser .tag {
  display: inline-block; font-size: 0.72rem; font-weight: 700;
  text-transform: uppercase; letter-spacing: 0.04em;
  color: var(--red); background: var(--soft-red); padding: 0.2rem 0.55rem;
  border-radius: 999px; margin-bottom: 0.35rem;
}

/* Product detail */
.product-list { display: grid; gap: 1rem; }
.product-item {
  background: var(--white); border: 1px solid var(--border); border-radius: var(--radius);
  padding: 1.4rem 1.55rem; box-shadow: var(--shadow-sm);
}
.product-item h3, .product-item .h3 { margin-bottom: 0.35rem; }
.product-item .blurb { color: var(--muted); margin-bottom: 0.75rem; }
.product-item ul { color: var(--body); margin-bottom: 0.75rem; }
.product-item .rate-note {
  font-size: 0.85rem; color: var(--muted);
  background: var(--cream); border-radius: 8px; padding: 0.65rem 0.85rem;
  border-left: 3px solid var(--gold);
}

/* Branches */
.filters {
  display: flex; flex-wrap: wrap; gap: 0.5rem; margin-bottom: 1.5rem;
}
.filter-btn {
  font-family: inherit; font-size: 0.85rem; font-weight: 600;
  padding: 0.45rem 0.95rem; border-radius: 999px;
  border: 1px solid var(--border); background: #fff; color: var(--ink);
  cursor: pointer;
}
.filter-btn:hover { border-color: var(--red); color: var(--red); }
.filter-btn.active { background: var(--red); border-color: var(--red); color: #fff; }

.branch-grid {
  display: grid; grid-template-columns: repeat(2, 1fr); gap: 1.15rem;
}
.branch-card {
  background: var(--white); border: 1px solid var(--border); border-radius: var(--radius);
  padding: 1.3rem 1.4rem; box-shadow: var(--shadow-sm);
}
.branch-card h3, .branch-card .h3 { margin-bottom: 0.25rem; font-size: 1.05rem; }
.branch-card .region {
  font-size: 0.72rem; font-weight: 700; text-transform: uppercase;
  letter-spacing: 0.05em; color: var(--muted); margin-bottom: 0.45rem;
}
.branch-card .region::after {
  content: ""; display: block; width: 28px; height: 2px;
  background: var(--gold); margin-top: 0.4rem; border-radius: 1px;
}
.branch-card .addr { color: var(--muted); font-size: 0.9rem; margin-bottom: 0.65rem; }
.branch-card .meta { font-size: 0.88rem; margin: 0.2rem 0; color: var(--body); }
.branch-card a { font-weight: 600; color: var(--link); }

/* Contact — white cards only, no maroon fills */
.contact-grid {
  display: grid; grid-template-columns: 1.15fr 0.85fr; gap: 1.25rem;
}
.contact-card {
  background: var(--white); border: 1px solid var(--border); border-radius: var(--radius);
  padding: 1.75rem; box-shadow: var(--shadow-sm);
}
.contact-card h2 { font-size: 1.05rem; margin-bottom: 0.75rem; }
.phone-xl {
  font-size: clamp(1.45rem, 3vw, 1.85rem); font-weight: 800;
  color: var(--red); margin: 0.25rem 0 0.35rem; letter-spacing: -0.02em;
}
.phone-xl a { color: inherit; text-decoration: none; }
.phone-xl a:hover { text-decoration: underline; }
.contact-lines { list-style: none; padding: 0; margin: 0 0 1.25rem; }
.contact-lines li { margin: 0.4rem 0; color: var(--muted); font-size: 0.95rem; }
.contact-lines a { color: var(--ink); font-weight: 600; }
.office-block { font-size: 0.9rem; color: var(--muted); line-height: 1.5; }
.office-block strong { color: var(--ink); display: block; margin-bottom: 0.25rem; }

.contact-links {
  display: flex; flex-direction: column; gap: 0;
}
.contact-links a {
  color: var(--ink); font-weight: 600; display: flex; justify-content: space-between;
  padding: 0.75rem 0; border-bottom: 1px solid var(--border);
  text-decoration: none;
}
.contact-links a:hover { color: var(--red); text-decoration: none; }
.contact-links a:last-child { border-bottom: 0; }
.trunk-note {
  margin-top: 1.25rem; padding: 0.85rem 1rem;
  background: var(--cream); border-radius: 6px;
  font-size: 0.85rem; color: var(--muted); line-height: 1.45;
  border-left: 3px solid var(--gold);
}

/* About */
.about-grid {
  display: grid; grid-template-columns: 1fr 1fr; gap: 1.25rem;
}
.prose {
  max-width: 68ch;
}
.prose p { color: var(--body); }
.mission-card {
  background: var(--white); border-radius: var(--radius); padding: 1.5rem;
  border: 1px solid var(--border); box-shadow: var(--shadow-sm);
}
.mission-card h3, .mission-card .h3 { margin-bottom: 0.65rem; }
.mission-card .gold-rule { margin-bottom: 0.85rem; }
.mission-card ol, .mission-card ul { margin: 0; padding-left: 1.2em; color: var(--body); }
.mission-card li { margin-bottom: 0.5rem; }
.leader-card {
  background: var(--cream); border-radius: var(--radius); padding: 1.35rem 1.45rem;
  border: 1px solid var(--border);
}
.leader-card h3, .leader-card .h3 { margin-bottom: 0.25rem; }
.leader-card .role {
  font-size: 0.8rem; font-weight: 600; color: var(--red);
  text-transform: uppercase; letter-spacing: 0.04em; margin-bottom: 0.65rem;
}

/* Advisories */
.advisory-list { display: grid; gap: 0.75rem; }
.advisory-item {
  display: grid; grid-template-columns: 7rem 1fr auto;
  gap: 1rem; align-items: center;
  background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-sm);
  padding: 1rem 1.15rem; box-shadow: var(--shadow-sm);
}
.advisory-item .date { font-size: 0.82rem; color: var(--muted); font-weight: 600; }
.advisory-item .cat {
  font-size: 0.7rem; font-weight: 700; text-transform: uppercase;
  letter-spacing: 0.03em; color: var(--red); background: var(--soft-red);
  padding: 0.15rem 0.5rem; border-radius: 999px; white-space: nowrap;
}

/* Feature strip */
.feature-row {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.25rem;
}
.feature-card {
  background: var(--white); border: 1px solid var(--border); border-radius: var(--radius);
  overflow: hidden; box-shadow: var(--shadow-sm);
  display: flex; flex-direction: column;
}
.feature-card img {
  width: 100%; height: 200px; object-fit: cover; background: var(--cream);
}
.feature-card--tall img { height: 220px; }
.feature-card .body { padding: 1.15rem 1.25rem 1.3rem; flex: 1; display: flex; flex-direction: column; }
.feature-card h3, .feature-card .h3 { margin-bottom: 0.35rem; }
.feature-card p { color: var(--muted); font-size: 0.92rem; flex: 1; }
.feature-card .btn { align-self: flex-start; margin-top: 0.5rem; }


/* Visual page hero (inner pages) */
.page-hero--visual {
  padding: 2.75rem 0 3rem;
}
.page-hero--visual .page-hero-grid {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 2.5rem;
  align-items: center;
}
.page-hero-copy .eyebrow {
  font-size: 0.72rem; font-weight: 600; letter-spacing: 0.08em;
  text-transform: uppercase; color: var(--muted); margin: 0 0 0.65rem;
}
.page-hero-copy h1 { margin-bottom: 0.45rem; }
.page-hero-visual {
  background: var(--white);
  border-radius: 6px;
  padding: 0.85rem;
  box-shadow: var(--shadow);
  border: 1px solid var(--border);
  overflow: hidden;
}
.page-hero-visual img {
  width: 100%;
  height: clamp(200px, 28vw, 300px);
  object-fit: cover;
  border-radius: 6px;
  background: var(--soft-gold);
}
.page-hero-visual img.contain {
  object-fit: contain;
  background: var(--cream);
  padding: 0.75rem;
}

/* Feature split (About / Contact / product detail) */
.feature-split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.75rem;
  align-items: center;
  margin-bottom: 2rem;
}
.feature-split.reverse .feature-split-copy { order: 2; }
.feature-split.reverse .feature-split-media { order: 1; }
.feature-split-media {
  background: var(--white);
  border-radius: 6px;
  padding: 0.75rem;
  border: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
}
.feature-split-media img {
  width: 100%;
  height: 260px;
  object-fit: cover;
  border-radius: 6px;
  background: var(--cream);
}
.feature-split-copy h2 { margin-bottom: 0.4rem; }
.feature-split-copy .gold-rule { margin-bottom: 0.85rem; }

/* Product items with thumb */
.product-item.has-thumb {
  display: grid;
  grid-template-columns: 120px 1fr;
  gap: 1.15rem;
  align-items: start;
}
.product-item .thumb {
  width: 120px; height: 120px;
  border-radius: 6px;
  object-fit: cover;
  background: var(--cream);
  border: 1px solid var(--border);
}
.product-item .thumb.contain { object-fit: contain; padding: 0.65rem; }

.illus-band {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.15rem;
  margin-bottom: 1.75rem;
}
.illus-band figure {
  margin: 0;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
}
.illus-band img {
  width: 100%; height: 150px; object-fit: cover; background: var(--cream);
}
.illus-band figcaption {
  padding: 0.75rem 1rem 1rem;
  font-size: 0.88rem; font-weight: 600; color: var(--ink);
}

@media (max-width: 900px) {
  .page-hero--visual .page-hero-grid,
  .feature-split,
  .illus-band { grid-template-columns: 1fr; }
  .page-hero-visual { max-width: 480px; margin-inline: auto; }
  .feature-split.reverse .feature-split-copy,
  .feature-split.reverse .feature-split-media { order: unset; }
  .product-item.has-thumb { grid-template-columns: 88px 1fr; }
  .product-item .thumb { width: 88px; height: 88px; }
}
@media (max-width: 720px) {
  .page-hero-visual { display: none; }
}

/* Footer — dark strip only */
.site-footer {
  background: var(--footer); color: #fff;
  padding: 2.25rem 0 1.75rem;
}
.footer-inner {
  display: flex; flex-wrap: wrap; gap: 1.5rem 2rem;
  justify-content: space-between; align-items: flex-start;
}
.footer-brand-row {
  display: flex; align-items: center; gap: 0.75rem; margin-bottom: 0.55rem;
}
.footer-brand-row img {
  height: 36px; width: auto; opacity: 0.95;
  /* keep original logo colours on dark strip */
  background: rgba(255,255,255,0.95);
  border-radius: 6px;
  padding: 4px 8px;
}
.footer-addr {
  color: rgba(255,255,255,0.78); font-size: 0.85rem; max-width: 36ch; line-height: 1.45;
}
.footer-links { text-align: right; }
.footer-links a {
  color: rgba(255,255,255,0.88); font-size: 0.88rem; font-weight: 500;
  text-decoration: none;
}
.footer-links a:hover { color: var(--gold); text-decoration: underline; }
.footer-links .row { margin-bottom: 0.45rem; }
.footer-links .sep { color: rgba(255,255,255,0.35); margin: 0 0.35rem; }
.footer-phone { color: var(--gold); font-size: 0.9rem; font-weight: 600; }
.footer-note {
  margin-top: 1.75rem; padding-top: 1rem;
  border-top: 1px solid rgba(255,255,255,0.12);
  font-size: 0.78rem; color: rgba(255,255,255,0.55); line-height: 1.5;
}

/* Utility */
.band-cream { background: var(--cream); }
.mt-0 { margin-top: 0; }
.mb-0 { margin-bottom: 0; }
.ext-label {
  font-size: 0.72rem; font-weight: 600; color: var(--muted);
  margin-left: 0.25rem;
}

/* Mobile */
@media (max-width: 900px) {
  .card-grid, .card-grid-4, .feature-row { grid-template-columns: 1fr 1fr; }
  .hero-grid, .contact-grid, .about-grid { grid-template-columns: 1fr; }
  .hero-visual { order: -1; max-width: 420px; margin-inline: auto; }
  .branch-grid { grid-template-columns: 1fr; }
  .advisory-item { grid-template-columns: 1fr; gap: 0.35rem; }
  .footer-links { text-align: left; }
}

@media (max-width: 720px) {
  .nav {
    display: none;
    position: absolute; left: 0; right: 0; top: 100%;
    flex-direction: column; align-items: stretch;
    background: #fff; border-bottom: 1px solid var(--border);
    padding: 0.75rem 1rem 1rem; gap: 0.15rem;
    box-shadow: var(--shadow);
  }
  .nav.open { display: flex; }
  .nav > a { padding: 0.75rem 0.85rem; }
  .btn-login { display: none; }
  .menu-toggle { display: block; }
  .header-inner { position: relative; }
  .header-actions-mobile { display: flex; }
  .mobile-login { display: inline-flex !important; }
  .card-grid, .card-grid-4, .card-grid-2, .feature-row { grid-template-columns: 1fr; }
  .hero { padding: 2rem 0 2.25rem; }
  .hero-actions { flex-direction: column; }
  .hero-actions .btn { width: 100%; }
  .hero-visual { display: none; }
}

/* —— Content enrichment: officers, jobs, data tables —— */
.officer-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(240px, 1fr));
  gap: 1rem;
  margin: 1.25rem 0 2rem;
}
.officer-card {
  background: var(--surface, #fff);
  border: 1px solid var(--line, #e8e6e1);
  border-radius: 6px;
  padding: 1.1rem 1.15rem;
}
.officer-card h3, .officer-card .h3 {
  font-size: 1rem;
  margin: 0 0 0.2rem;
}
.officer-card .role {
  color: var(--red, #ED1C24);
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  margin-bottom: 0.35rem;
}
.officer-card p { margin: 0; font-size: 0.9rem; color: var(--muted, #5c6168); }
.data-table-wrap { overflow-x: auto; margin: 1rem 0 1.75rem; }
.data-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.9rem;
}
.data-table th, .data-table td {
  text-align: left;
  padding: 0.65rem 0.75rem;
  border-bottom: 1px solid var(--line, #e8e6e1);
  vertical-align: top;
}
.data-table th {
  background: var(--cream, #faf8f4);
  font-weight: 700;
  color: var(--ink, #121417);
}
.data-table tr:hover td { background: rgba(241, 188, 82, 0.08); }
.job-card {
  background: var(--surface, #fff);
  border: 1px solid var(--line, #e8e6e1);
  border-radius: 6px;
  padding: 1.25rem 1.35rem;
  margin-bottom: 1rem;
}
.job-card h3, .job-card .h3 { margin: 0 0 0.5rem; font-size: 1.1rem; }
.job-card .gold-rule { margin-bottom: 0.75rem; }
.job-card h4, .job-card .h4 {
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  color: var(--muted, #5c6168);
  margin: 0.85rem 0 0.35rem;
}
.news-list { display: flex; flex-direction: column; gap: 0.85rem; }
.news-item {
  display: block;
  padding: 1rem 1.15rem;
  border: 1px solid var(--line, #e8e6e1);
  border-radius: 6px;
  background: #fff;
  text-decoration: none;
  color: inherit;
  transition: border-color 0.15s, box-shadow 0.15s;
}
.news-item:hover {
  border-color: var(--gold, #F1BC52);
  box-shadow: 0 4px 16px rgba(18,20,23,0.06);
}
.news-item strong { display: block; margin-bottom: 0.25rem; color: var(--ink, #121417); }
.news-item span { font-size: 0.88rem; color: var(--muted, #5c6168); }
.section-label {
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--red, #ED1C24);
  margin: 2rem 0 0.75rem;
}
.tip-block {
  background: #fff;
  border: 1px solid var(--line, #e8e6e1);
  border-radius: 6px;
  padding: 1.25rem 1.35rem;
  margin-bottom: 1rem;
}
.tip-block h3, .tip-block .h3 { margin: 0 0 0.65rem; font-size: 1.05rem; }
.disclosure-list { list-style: none; padding: 0; margin: 0 0 1.5rem; }
.disclosure-list li {
  padding: 0.85rem 0;
  border-bottom: 1px solid var(--line, #e8e6e1);
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem 1rem;
  justify-content: space-between;
  align-items: baseline;
}
.disclosure-list strong { color: var(--ink); }
.disclosure-list .tag {
  font-size: 0.78rem;
  font-weight: 600;
  color: var(--muted);
  background: var(--cream, #faf8f4);
  padding: 0.2rem 0.55rem;
  border-radius: 999px;
}
.sub-nav-pills {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
  margin: 0 0 1.5rem;
}
.sub-nav-pills a {
  display: inline-block;
  padding: 0.4rem 0.85rem;
  border-radius: 999px;
  border: 1px solid var(--line, #e8e6e1);
  font-size: 0.85rem;
  font-weight: 600;
  text-decoration: none;
  color: var(--ink);
  background: #fff;
}
.sub-nav-pills a:hover { border-color: var(--gold, #F1BC52); }

/* —— Layout pass: mega-menu, trust strip, key-facts, officers —— */

.trust-strip {
  background: var(--cream);
  border-bottom: 1px solid var(--border);
  font-size: 0.78rem;
  color: var(--muted);
}
.trust-strip-inner {
  display: flex; flex-wrap: wrap; align-items: center; justify-content: center;
  gap: 0.35rem 0.85rem;
  min-height: 34px; padding: 0.35rem 0;
}
.trust-strip .ts-item strong { color: var(--ink); font-weight: 700; }
.trust-strip .ts-sep { color: rgba(18,20,23,0.28); }

.nav-item.has-mega {
  position: relative;
  display: flex; align-items: center;
}
.nav-item.has-mega > .nav-link {
  color: var(--ink); font-size: 0.9rem; font-weight: 500;
  padding: 0.5rem 0.35rem 0.5rem 0.7rem; border-radius: 8px; text-decoration: none;
}
.nav-item.has-mega > .nav-link:hover,
.nav-item.has-mega > .nav-link[aria-current="page"],
.nav-item.has-mega.open > .nav-link {
  background: var(--cream); color: var(--red); text-decoration: none;
}
.mega-toggle {
  display: inline-flex; align-items: center; justify-content: center;
  width: 28px; height: 32px; margin-right: 0.15rem;
  border: 0; background: transparent; color: var(--ink);
  border-radius: 6px; cursor: pointer; padding: 0;
}
.mega-toggle:hover,
.nav-item.has-mega.open .mega-toggle { background: var(--cream); color: var(--red); }
.mega-toggle svg { transition: transform 0.15s; }
.nav-item.has-mega.open .mega-toggle svg { transform: rotate(180deg); }

.mega-panel {
  display: none;
  position: absolute; top: calc(100% + 0.35rem); left: 0;
  min-width: 520px; max-width: min(640px, calc(100vw - 2rem));
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 0.85rem;
  z-index: 120;
}
.nav-item.has-mega.open > .mega-panel,
.nav-item.has-mega:focus-within > .mega-panel { display: block; }
@media (hover: hover) and (pointer: fine) {
  .nav-item.has-mega:hover > .mega-panel { display: block; }
  .nav-item.has-mega:hover > .nav-link { background: var(--cream); color: var(--red); }
}
.mega-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.35rem;
}
.mega-link {
  display: flex; flex-direction: column; gap: 0.15rem;
  padding: 0.7rem 0.85rem;
  border-radius: 6px;
  text-decoration: none; color: var(--ink);
  border: 1px solid transparent;
}
.mega-link:hover {
  background: var(--cream); border-color: var(--border); text-decoration: none; color: var(--ink);
}
.mega-link strong { font-size: 0.92rem; font-weight: 700; color: var(--ink); }
.mega-link span { font-size: 0.78rem; color: var(--muted); line-height: 1.35; }
.mega-link--secondary { background: var(--soft-gold); }
.mega-link--secondary:hover { background: #fff3d6; }
.mega-link--all {
  grid-column: 1 / -1;
  border-top: 1px solid var(--border);
  margin-top: 0.25rem; padding-top: 0.85rem;
  border-radius: 0 0 10px 10px;
  flex-direction: row; align-items: center; justify-content: space-between;
}
.mega-link--all span { margin-left: auto; }

/* Key facts */
.key-facts {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0.65rem;
  margin: 0.85rem 0 1rem;
  padding: 0.85rem 1rem;
  background: var(--cream);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  border-left: 3px solid var(--gold);
}
.key-facts dt {
  margin: 0;
  font-size: 0.68rem; font-weight: 700;
  letter-spacing: 0.05em; text-transform: uppercase;
  color: var(--muted);
}
.key-facts dd {
  margin: 0.15rem 0 0;
  font-size: 0.9rem; font-weight: 600; color: var(--ink);
  line-height: 1.3;
}
.product-item { padding: 1.25rem 1.4rem; }
.product-item .details-block {
  margin-top: 0.75rem;
  padding-top: 0.75rem;
  border-top: 1px solid var(--border);
}
.product-item .details-block summary {
  cursor: pointer;
  font-weight: 600; font-size: 0.9rem; color: var(--link);
  list-style: none;
}
.product-item .details-block summary::-webkit-details-marker { display: none; }
.product-item .details-block summary::after { content: " ▾"; color: var(--muted); }
.product-item .details-block[open] summary::after { content: " ▴"; }
.product-item .details-block .details-body { margin-top: 0.65rem; }

/* Officers — institutional table + compact cards */
.officer-table-wrap {
  overflow-x: auto;
  margin: 1rem 0 2rem;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  background: #fff;
  box-shadow: var(--shadow-sm);
}
.officer-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.92rem;
}
.officer-table th, .officer-table td {
  text-align: left;
  padding: 0.75rem 1rem;
  border-bottom: 1px solid var(--border);
  vertical-align: top;
}
.officer-table th {
  background: var(--cream);
  font-size: 0.72rem; font-weight: 700;
  letter-spacing: 0.05em; text-transform: uppercase;
  color: var(--muted);
}
.officer-table tr:last-child td { border-bottom: 0; }
.officer-table .name { font-weight: 700; color: var(--ink); }
.officer-table .title-cell { color: var(--body); }
.officer-table .bio {
  display: block; margin-top: 0.25rem;
  font-size: 0.85rem; font-weight: 400; color: var(--muted);
}
.officer-grid--compact {
  grid-template-columns: repeat(auto-fill, minmax(200px, 1fr));
  gap: 0.75rem;
}
.officer-grid--compact .officer-card {
  padding: 0.85rem 0.95rem;
}
.officer-grid--compact .officer-card h3, .officer-grid--compact .officer-card .h3 { font-size: 0.95rem; }
.officer-grid--compact .officer-card .role {
  font-size: 0.7rem; margin-bottom: 0.2rem;
}

@media (max-width: 900px) {
  .key-facts { grid-template-columns: 1fr 1fr; }
  .mega-panel { min-width: 0; left: 0; right: auto; width: min(520px, calc(100vw - 2rem)); }
}
@media (max-width: 720px) {
  .trust-strip-inner { justify-content: flex-start; font-size: 0.72rem; gap: 0.25rem 0.55rem; }
  .key-facts { grid-template-columns: 1fr; }
  .nav-item.has-mega {
    flex-wrap: wrap;
    border-bottom: 1px solid var(--border);
  }
  .nav-item.has-mega > .nav-link { flex: 1; padding: 0.75rem 0.85rem; }
  .mega-toggle { width: 40px; height: 40px; }
  .mega-panel {
    position: static;
    display: none;
    min-width: 0; width: 100%;
    border: 0; box-shadow: none; border-radius: 0;
    padding: 0 0 0.5rem 0.5rem;
    background: transparent;
  }
  .nav-item.has-mega.open > .mega-panel { display: block; }
  .nav-item.has-mega:hover > .mega-panel,
  .nav-item.has-mega:focus-within > .mega-panel { display: none; }
  .nav-item.has-mega.open:focus-within > .mega-panel,
  .nav-item.has-mega.open > .mega-panel { display: block; }
  .mega-inner { grid-template-columns: 1fr; }
  .mega-link { padding: 0.55rem 0.75rem; }
  .mega-link--all { flex-direction: column; align-items: flex-start; }
  .mega-link--all span { margin-left: 0; }
}

details.details-block summary {
  cursor: pointer; font-weight: 600; font-size: 0.9rem; color: var(--link); list-style: none;
}
details.details-block summary::-webkit-details-marker { display: none; }
details.details-block .details-body { margin-top: 0.65rem; }

/* —— Polish round 1: mobile overflow, contrast, focus —— */
.contact-grid > *, .product-item, .product-item > *, .key-facts, .key-facts > * { min-width: 0; }
.contact-card, .product-item, .key-facts dd, .contact-lines a, .blurb { overflow-wrap: anywhere; }
@media (max-width: 860px) { .contact-grid { grid-template-columns: 1fr; } }
@media (max-width: 600px) { .contact-card { padding: 1.25rem; } }
.btn-primary, .filter-btn.active { background: #d01820; border-color: #d01820; }
.btn-primary:hover { background: #b0141b; border-color: #b0141b; }
a:focus-visible, button:focus-visible, summary:focus-visible, input:focus-visible {
  outline: 3px solid #F1BC52; outline-offset: 2px; border-radius: 6px;
}
@media (max-width: 560px) {
  .product-item.has-thumb { grid-template-columns: 1fr; gap: 0.85rem; }
  .product-item .thumb { width: 72px; height: 72px; }
  .product-item { padding: 1.1rem; }
  .key-facts { padding: 0.85rem 1rem; }
  .trust-strip .ts-sep { display: none; }
  .trust-strip-inner { justify-content: center; column-gap: 0.9rem; row-gap: 0.15rem; text-align: center; }
  .sub-nav-pills { flex-wrap: nowrap; overflow-x: auto; padding-bottom: 0.25rem; -webkit-overflow-scrolling: touch; }
  .sub-nav-pills a { white-space: nowrap; }
}
/* Polish round 2: no orphan third card on tablets */
@media (min-width: 641px) and (max-width: 960px) {
  .card-grid:not(.card-grid-2):not(.card-grid-4) > :last-child:nth-child(odd) { grid-column: 1 / -1; }
}

/* Audit 2: 44px minimum tap targets on touch screens */
@media (max-width: 720px) {
  .btn, .btn-sm, .filter-btn, .sub-nav-pills a { min-height: 44px; display: inline-flex; align-items: center; }
  .menu-toggle { width: 44px; height: 44px; }
  .brand { min-height: 44px; display: inline-flex; align-items: center; }
}
/* Audit 3: trust strip logos */
.trust-strip .ts-item { display: inline-flex; align-items: center; gap: 0.4rem; white-space: nowrap; }
.trust-strip .ts-logo { display: block; height: 24px; width: auto; }
.trust-strip .ts-bancnet { height: 18px; }
@media (max-width: 640px) {
  .trust-strip .ts-logo { height: 20px; }
  .trust-strip .ts-bancnet { height: 15px; }
}

/* human pass: flatter, ruled, left-aligned */
:root{--shadow:0 1px 2px rgba(18,20,23,.06);--shadow-sm:none}
.section-title.left{text-align:left;margin-left:0}
.section-title,.section-sub{text-align:left;margin-left:0;margin-right:0}
.plain-list{border-top:2px solid var(--ink);display:grid;grid-template-columns:repeat(2,1fr);column-gap:2.5rem}
.plain-list a{display:flex;flex-direction:column;gap:.2rem;padding:1rem 0;border-bottom:1px solid var(--border);color:var(--ink);text-decoration:none;min-height:44px}
.plain-list a strong{color:var(--red-dark,#D01820)}
.plain-list a span{color:#555;font-size:.95rem}
.plain-list a:hover strong{text-decoration:underline}
@media(max-width:700px){.plain-list{grid-template-columns:1fr}}
.gold-rule{display:none}
.hero-visual img,.hero-visual{box-shadow:none!important}

/* official marks: unaltered, uniform optical height */
.trust-strip-inner{gap:.5rem 2rem;min-height:56px;padding:.5rem 0}
.trust-strip .ts-item{display:inline-flex;align-items:center;gap:.55rem;color:#3a3d42}
.trust-strip .ts-logo{display:block;filter:none!important;box-shadow:none!important;border-radius:0!important;background:none!important;object-fit:contain;flex:none}
.trust-strip .ts-seal{height:38px;width:38px}
.trust-strip .ts-bancnet{height:25px;width:auto}
@media(max-width:700px){.trust-strip-inner{gap:.4rem 1rem;justify-content:flex-start}
.trust-strip .ts-seal{height:30px;width:30px}.trust-strip .ts-bancnet{height:20px}}

@media(max-width:700px){.trust-strip-inner{justify-content:center;flex-wrap:nowrap;gap:0 1.75rem;min-height:48px}
.trust-strip .ts-label{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}}

.title-list{list-style:none;margin:0;padding:0;border-top:2px solid var(--ink)}
.title-list li{display:grid;grid-template-columns:11rem 1fr auto;gap:1rem;padding:.8rem 0;border-bottom:1px solid var(--border);align-items:baseline}
.title-list.tl-nodate li{grid-template-columns:1fr}
.tl-date{color:#555;font-size:.88rem;font-variant-numeric:tabular-nums}
.tl-title{color:var(--ink);font-weight:500}
.tl-cat{color:#6b6b6b;font-size:.8rem;text-transform:uppercase;letter-spacing:.04em}
.list-note,.asof{font-size:.88rem;color:#555;border-left:3px solid var(--gold);padding:.35rem .75rem;margin:0 0 1.25rem;background:#faf8f3}
@media(max-width:700px){.title-list li{grid-template-columns:1fr;gap:.15rem}}