/* ==========================================================================
   MERIDIAN TRUST — Stylesheet
   Design language: "Horizon" — deep-sea navy meets open-water blue,
   with a single brass-gold accent standing in for old maritime instruments.
   Two themes, both within the blue family: Deep Sea (dark) / Coastal (light).
   ========================================================================== */

/* ---------- Fonts ---------- */
@import url('https://fonts.googleapis.com/css2?family=Raleway:ital,wght@0,300;0,400;0,500;0,600;0,700;0,800;0,900;1,500&display=swap');

/* ---------- Design tokens ---------- */
:root{
  /* Deep Sea (default/dark) — sea blue + white */
  --bg:            #052a44;
  --bg-alt:        #073451;
  --surface:       #0c3f61;
  --surface-2:     #0f4a70;
  --text:          #ffffff;
  --text-muted:    #bfe0f2;
  --border:        rgba(255,255,255,0.14);
  --primary:       #2fa4dd;
  --primary-strong:#5cc0ef;
  --primary-deep:  #0a4a72;
  --gold:          #ffffff;
  --gold-strong:   #eaf7ff;
  --on-accent:     #073451;
  --shadow:        0 20px 50px -20px rgba(0,10,20,0.55);
  --overlay:       linear-gradient(180deg, rgba(3,20,35,0.35) 0%, rgba(3,20,35,0.80) 70%, rgba(3,20,35,0.95) 100%);

  --font-display: 'Raleway', -apple-system, BlinkMacSystemFont, sans-serif;
  --font-body: 'Raleway', -apple-system, BlinkMacSystemFont, sans-serif;
  --font-mono: 'Raleway', -apple-system, BlinkMacSystemFont, sans-serif;

  --radius-sm: 8px;
  --radius-md: 14px;
  --radius-lg: 24px;
  --container: 1240px;
}

[data-theme="light"]{
  --bg:            #ffffff;
  --bg-alt:        #eef7fc;
  --surface:       #ffffff;
  --surface-2:     #e4f2fa;
  --text:          #06304d;
  --text-muted:    #3d708e;
  --border:        rgba(6,48,77,0.12);
  --primary:       #0e83bd;
  --primary-strong:#0a668f;
  --primary-deep:  #0a4a72;
  --gold:          #0e83bd;
  --gold-strong:   #0a668f;
  --on-accent:     #ffffff;
  --shadow:        0 20px 40px -22px rgba(10,74,114,0.25);
  --overlay:       linear-gradient(180deg, rgba(3,20,35,0.25) 0%, rgba(3,20,35,0.55) 70%, rgba(3,20,35,0.78) 100%);
}

/* ---------- Reset ---------- */
*,*::before,*::after{ box-sizing:border-box; }
html{ scroll-behavior:smooth; }
body{
  margin:0;
  background:var(--bg);
  color:var(--text);
  font-family:var(--font-body);
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
  transition:background .35s ease,color .35s ease;
  overflow-x:hidden;
}
img{ max-width:100%; display:block; }
a{ color:inherit; text-decoration:none; }
ul{ list-style:none; margin:0; padding:0; }
button{ font-family:inherit; cursor:pointer; }
input,textarea,select{ font-family:inherit; }
h1,h2,h3,h4{ font-family:var(--font-display); margin:0 0 .5em; font-weight:800; line-height:1.15; letter-spacing:-0.01em; }
h3,h4{ font-weight:700; }
p{ margin:0 0 1em; }
:focus-visible{ outline:2px solid var(--gold-strong); outline-offset:3px; }
@media (prefers-reduced-motion: reduce){
  *{ animation-duration:0.001ms !important; animation-iteration-count:1 !important; transition-duration:0.001ms !important; scroll-behavior:auto !important; }
}

.wrap{ max-width:var(--container); margin:0 auto; padding:0 clamp(24px, 5vw, 80px); }
.eyebrow{
  font-family:var(--font-mono); text-transform:uppercase; letter-spacing:.14em;
  font-size:.72rem; color:var(--gold); font-weight:600; display:inline-flex; align-items:center; gap:8px;
}
.eyebrow::before{ content:""; width:22px; height:1px; background:var(--gold); display:inline-block; }
.section{ padding-top:96px; padding-bottom:96px; }
.section-head{ max-width:640px; margin-bottom:56px; }
.section-head.center{ margin-left:auto; margin-right:auto; text-align:center; }
.section-head h2{ font-size:clamp(1.7rem,3vw,2.5rem); }
.muted{ color:var(--text-muted); }

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex; align-items:center; justify-content:center; gap:8px;
  padding:13px 26px; border-radius:999px; font-weight:600; font-size:.95rem;
  border:1px solid transparent; transition:transform .2s ease, box-shadow .2s ease, background .2s ease, border-color .2s ease, color .2s ease;
  white-space:nowrap;
}
.btn:hover{ transform:translateY(-2px); }
.btn-gold{ background:linear-gradient(135deg,var(--gold-strong),var(--gold)); color:var(--on-accent); box-shadow:0 12px 24px -10px rgba(47,164,221,.55); }
.btn-gold:hover{ box-shadow:0 16px 30px -10px rgba(47,164,221,.7); }
.btn-outline{ background:transparent; border-color:var(--border); color:var(--text); }
.btn-outline:hover{ border-color:var(--primary-strong); color:var(--primary-strong); }
.btn-primary{ background:var(--primary); color:#fff; }
.btn-primary:hover{ background:var(--primary-strong); }
.btn-sm{ padding:9px 18px; font-size:.82rem; }
.btn-block{ width:100%; }

/* ==========================================================================
   TOP UTILITY BAR
   ========================================================================== */
.topbar{
  background:var(--bg-alt);
  color:var(--text-muted);
  font-size:.8rem;
  border-bottom:1px solid var(--border);
}
.topbar .wrap{
  display:flex; align-items:center; justify-content:space-between;
  gap:16px; padding-top:8px; padding-bottom:8px; flex-wrap:wrap;
}
.topbar-info{ display:flex; align-items:center; gap:22px; flex-wrap:wrap; }
.topbar-info a{ display:inline-flex; align-items:center; gap:6px; color:var(--text-muted); transition:color .2s; }
.topbar-info a:hover{ color:var(--gold); }
.topbar-info svg{ width:14px; height:14px; flex:none; opacity:.85; }
.topbar-right{ display:flex; align-items:center; gap:16px; }
.social-row{ display:flex; align-items:center; gap:12px; }
.social-row a{
  width:26px; height:26px; border-radius:50%; display:inline-flex; align-items:center; justify-content:center;
  border:1px solid var(--border); color:var(--text-muted); transition:.2s;
}
.social-row a:hover{ background:var(--gold); border-color:var(--gold); color:var(--on-accent); }
.social-row svg{ width:13px; height:13px; }
.topbar-rate{ display:flex; align-items:center; gap:6px; font-family:var(--font-mono); color:var(--gold); }

/* ==========================================================================
   HEADER / NAV
   ========================================================================== */
.site-header{
  position:sticky; top:0; z-index:200;
  background:color-mix(in srgb, var(--bg) 88%, transparent);
  backdrop-filter:blur(14px);
  border-bottom:1px solid var(--border);
  transition:box-shadow .3s ease, background .3s ease;
}
.site-header.scrolled{ box-shadow:0 8px 30px -14px rgba(0,0,0,0.45); }
.nav-row{ display:flex; align-items:center; justify-content:space-between; gap:24px; height:84px; }

.brand{ display:flex; align-items:center; gap:12px; flex:none; }
.brand-mark{ width:42px; height:42px; flex:none; }
.brand-word{ font-family:var(--font-display); font-size:1.28rem; font-weight:600; letter-spacing:.01em; line-height:1.1; }
.brand-word small{ display:block; font-family:var(--font-mono); font-size:.6rem; letter-spacing:.18em; color:var(--gold); font-weight:600; text-transform:uppercase; margin-top:2px; }

.main-nav{ display:flex; align-items:center; gap:2px; }
.main-nav a{
  position:relative; padding:10px 16px; font-size:.92rem; font-weight:500; color:var(--text-muted);
  border-radius:999px; transition:color .2s, background .2s;
}
.main-nav a:hover{ color:var(--text); background:var(--surface); }
.main-nav a.active{ color:var(--text); }
.main-nav a.active::after{
  content:""; position:absolute; left:16px; right:16px; bottom:4px; height:2px; background:var(--gold); border-radius:2px;
}

.nav-actions{ display:flex; align-items:center; gap:12px; flex:none; }

.theme-toggle{
  width:52px; height:30px; border-radius:999px; border:1px solid var(--border);
  background:var(--surface); position:relative; padding:3px; display:inline-flex; align-items:center;
  transition:background .2s;
}
.theme-toggle .knob{
  width:22px; height:22px; border-radius:50%; background:linear-gradient(135deg,var(--gold-strong),var(--gold));
  display:flex; align-items:center; justify-content:center; color:var(--on-accent);
  transform:translateX(0); transition:transform .28s cubic-bezier(.4,0,.2,1);
}
[data-theme="light"] .theme-toggle .knob{ transform:translateX(22px); }
.theme-toggle svg{ width:13px; height:13px; }

.hamburger{
  display:none; width:42px; height:42px; border-radius:10px; border:1px solid var(--border);
  background:var(--surface); flex-direction:column; align-items:center; justify-content:center; gap:4px;
}
.hamburger span{ width:18px; height:2px; background:var(--text); border-radius:2px; transition:.25s; }
.hamburger.open span:nth-child(1){ transform:translateY(6px) rotate(45deg); }
.hamburger.open span:nth-child(2){ opacity:0; }
.hamburger.open span:nth-child(3){ transform:translateY(-6px) rotate(-45deg); }

/* ==========================================================================
   MOBILE NAV DRAWER
   ========================================================================== */
.mobile-nav{
  position:fixed; inset:0 0 0 auto; width:min(320px,84vw); height:100vh; z-index:300;
  background:var(--bg-alt); border-left:1px solid var(--border);
  transform:translateX(100%); transition:transform .32s cubic-bezier(.4,0,.2,1);
  padding:24px; overflow-y:auto;
}
.mobile-nav.open{ transform:translateX(0); }
.mobile-nav-head{ display:flex; justify-content:flex-end; margin-bottom:24px; }
.mobile-nav-close{ width:38px; height:38px; border-radius:10px; border:1px solid var(--border); background:var(--surface); display:flex; align-items:center; justify-content:center; }
.mobile-nav a{ display:block; padding:14px 4px; font-size:1.05rem; border-bottom:1px solid var(--border); color:var(--text); font-weight:500; }
.mobile-nav .btn{ margin-top:20px; }

/* Online Banking CTA — force black text in the dark (Deep Sea) theme only.
   .btn-gold normally uses var(--on-accent) for its text color, but that
   variable is shared with other gold-button uses across both themes, so we
   scope this override to the nav CTA specifically and leave --on-accent
   (and the light/Coastal theme) untouched. */
:root:not([data-theme="light"]) .nav-actions .btn-gold,
:root:not([data-theme="light"]) .mobile-nav .btn-gold{
  color:#000;
}

.scrim{ position:fixed; inset:0; background:rgba(4,10,18,.55); z-index:290; opacity:0; pointer-events:none; transition:opacity .3s; }
.scrim.open{ opacity:1; pointer-events:auto; }

/* ==========================================================================
   HERO
   ========================================================================== */
.hero{
  position:relative; color:#eaf2f8; overflow:hidden;
  min-height:min(92vh,880px); display:flex; align-items:flex-end;
}
.hero-media{ position:absolute; inset:0; z-index:0; }
.hero-media img{ width:100%; height:100%; object-fit:cover; }
.hero-media::after{ content:""; position:absolute; inset:0; background:var(--overlay); }
.hero-media::before{
  content:""; position:absolute; inset:0; z-index:1;
  background:linear-gradient(120deg, rgba(15,76,117,.55), rgba(47,164,221,.12) 60%, transparent);
  mix-blend-mode:overlay;
}
.hero-inner{ position:relative; z-index:2; padding-top:120px; padding-bottom:76px; width:100%; }
.hero-tag{ color:var(--gold-strong); }
.hero h1{
  font-size:clamp(2.4rem,5.4vw,4.1rem); max-width:16ch; margin-top:18px; margin-bottom:22px;
  background:linear-gradient(100deg,#ffffff 35%,#bfe6fb 60%,#ffffff 85%);
  -webkit-background-clip:text; background-clip:text; color:transparent;
}

/* Pulsing ring behind primary CTAs — draws the eye without shouting */
.btn-pulse{ position:relative; }
.btn-pulse::before{
  content:""; position:absolute; inset:0; border-radius:999px; background:var(--gold);
  opacity:.55; z-index:-1; animation:btn-pulse 2.6s ease-out infinite;
}
@keyframes btn-pulse{
  0%{ transform:scale(1); opacity:.45; }
  70%{ transform:scale(1.35); opacity:0; }
  100%{ transform:scale(1.35); opacity:0; }
}
.hero p.lead{ max-width:46ch; font-size:1.08rem; color:#cfe0ec; margin-bottom:34px; }
.hero-ctas{ display:flex; gap:14px; flex-wrap:wrap; margin-bottom:56px; }

/* horizon divider — signature element */
.horizon{
  position:relative; height:64px; width:100%; overflow:hidden; line-height:0; margin-top:-2px; z-index:2;
}
.horizon svg{ width:100%; height:100%; display:block; }
.horizon path{ fill:var(--bg); }

/* rate ticker */
.ticker{
  position:relative; z-index:2; border-top:1px solid rgba(255,255,255,.16);
  background:rgba(6,20,34,.42); backdrop-filter:blur(6px);
  overflow:hidden; white-space:nowrap;
}
.ticker-track{ display:inline-flex; gap:48px; padding:13px 0; animation:ticker 32s linear infinite; }
.ticker-item{ display:inline-flex; align-items:center; gap:8px; font-family:var(--font-mono); font-size:.82rem; color:#dcebf3; }
.ticker-item b{ color:var(--gold-strong); font-weight:600; }
.ticker-item .up{ color:#7fd4a0; }
.ticker-item .down{ color:#e79a9a; }
@keyframes ticker{ from{ transform:translateX(0); } to{ transform:translateX(-50%); } }

/* ==========================================================================
   FEATURE / STAT / CARD GRIDS
   ========================================================================== */
.grid{ display:grid; gap:28px; }
.grid-3{ grid-template-columns:repeat(3,1fr); }
.grid-4{ grid-template-columns:repeat(4,1fr); }
.grid-2{ grid-template-columns:repeat(2,1fr); }

.feature-card{
  background:var(--surface); border:1px solid var(--border); border-radius:var(--radius-md);
  padding:30px 26px; transition:transform .25s ease, box-shadow .25s ease, border-color .25s;
}
.feature-card:hover{ transform:translateY(-6px); box-shadow:var(--shadow); border-color:var(--primary); }
.icon-badge{
  width:48px; height:48px; border-radius:12px; display:flex; align-items:center; justify-content:center;
  background:linear-gradient(135deg,var(--primary-deep),var(--primary)); color:#fff; margin-bottom:18px; flex:none;
  transition:transform .35s cubic-bezier(.34,1.56,.64,1);
}
.icon-badge svg{ width:22px; height:22px; }
.feature-card:hover .icon-badge{ transform:rotate(-8deg) scale(1.08); }
.feature-card h3{ font-size:1.08rem; margin-bottom:8px; }
.feature-card p{ color:var(--text-muted); font-size:.92rem; margin-bottom:0; }

.stat-bar{
  background:linear-gradient(135deg,var(--primary-deep),#0a3457);
  border-radius:var(--radius-lg); padding:56px 40px; color:#eaf2f8;
  display:grid; grid-template-columns:repeat(4,1fr); gap:24px; position:relative; overflow:hidden;
}
.stat-bar::after{
  content:""; position:absolute; right:-60px; top:-60px; width:240px; height:240px; border-radius:50%;
  background:radial-gradient(circle,rgba(47,164,221,.25),transparent 70%);
}
.stat{ text-align:center; position:relative; z-index:1; }
.stat .num{ font-family:var(--font-mono); font-size:clamp(1.8rem,3.4vw,2.6rem); font-weight:600; color:var(--gold-strong); }
.stat .label{ font-size:.82rem; color:#c7dbe8; margin-top:6px; letter-spacing:.02em; }

/* Account / service cards */
.card{
  position:relative; background:var(--surface); border:1px solid var(--border); border-radius:var(--radius-md);
  overflow:hidden; display:flex; flex-direction:column; transition:transform .25s, box-shadow .25s;
}
.card::before{
  content:""; position:absolute; top:0; left:0; right:0; height:3px; z-index:2;
  background:linear-gradient(90deg,var(--primary),var(--gold-strong)); transform:scaleX(0); transform-origin:left;
  transition:transform .35s ease;
}
.card:hover{ transform:translateY(-6px); box-shadow:var(--shadow); }
.card:hover::before{ transform:scaleX(1); }
.card-media{ aspect-ratio:16/10; overflow:hidden; position:relative; }
.card-media img{ width:100%; height:100%; object-fit:cover; transition:transform .5s ease; }
.card:hover .card-media img{ transform:scale(1.07); }
.card-body{ padding:26px; display:flex; flex-direction:column; gap:10px; flex:1; }
.card-body h3{ font-size:1.15rem; margin-bottom:2px; }
.card-tag{
  align-self:flex-start; font-family:var(--font-mono); font-size:.68rem; letter-spacing:.08em; text-transform:uppercase;
  background:var(--surface-2); color:var(--gold); padding:4px 10px; border-radius:999px; border:1px solid var(--border);
}
.card-foot{ display:flex; align-items:center; justify-content:space-between; margin-top:auto; padding-top:14px; border-top:1px solid var(--border); }
.card-rate{ font-family:var(--font-mono); font-weight:600; color:var(--primary-strong); }
.feat-list{ margin:4px 0 0; }
.feat-list li{ display:flex; gap:8px; font-size:.86rem; color:var(--text-muted); padding:4px 0; }
.feat-list svg{ width:15px; height:15px; flex:none; margin-top:3px; color:var(--primary-strong); }

/* Benefit list — icon-badge + heading + one-line description, used in split
   sections where a bare checklist would leave too much empty space */
.benefit-list{ display:flex; flex-direction:column; gap:18px; margin:28px 0; }
.benefit-item{ display:flex; gap:14px; align-items:flex-start; }
.benefit-item .icon-badge{ width:40px; height:40px; border-radius:11px; margin-bottom:0; flex:none; }
.benefit-item .icon-badge svg{ width:18px; height:18px; }
.benefit-item strong{ display:block; font-size:.95rem; margin-bottom:2px; }
.benefit-item span{ font-size:.83rem; color:var(--text-muted); line-height:1.5; }

/* Compact inline stats — a quick, scannable row of numbers under a benefit list */
.mini-stat-row{ display:flex; gap:36px; margin:4px 0 30px; padding-top:22px; border-top:1px solid var(--border); flex-wrap:wrap; }
.mini-stat .num{ font-family:var(--font-mono); font-weight:800; font-size:1.5rem; color:var(--primary-strong); display:block; }
.mini-stat .label{ font-size:.76rem; color:var(--text-muted); margin-top:2px; display:block; }

/* Split section (image + text) */
.split{ display:grid; grid-template-columns:1fr 1fr; gap:64px; align-items:center; }
.split img{ border-radius:var(--radius-lg); box-shadow:var(--shadow); width:100%; aspect-ratio:4/5; object-fit:cover; }
.split.reverse{ direction:rtl; }
.split.reverse > *{ direction:ltr; }
.split-note{
  margin-top:22px; display:flex; align-items:center; gap:14px; background:var(--surface); border:1px solid var(--border);
  border-radius:var(--radius-md); padding:14px 18px; max-width:340px;
}
.split-note .icon-badge{ margin-bottom:0; width:38px; height:38px; border-radius:10px; }
.split-note strong{ display:block; font-size:.95rem; }
.split-note span{ font-size:.8rem; color:var(--text-muted); }

/* Testimonial */
.testimonial{
  position:relative; border-radius:var(--radius-lg); overflow:hidden; min-height:420px;
  display:flex; align-items:flex-end; color:#fff;
}
.testimonial img{ position:absolute; inset:0; width:100%; height:100%; object-fit:cover; }
.testimonial::before{ content:""; position:absolute; inset:0; background:linear-gradient(0deg,rgba(6,18,32,.92),rgba(6,18,32,.15) 65%); }
.testimonial-body{ position:relative; z-index:1; padding:42px; max-width:640px; }
.testimonial-body q{ font-family:var(--font-display); font-size:clamp(1.3rem,2.4vw,1.8rem); line-height:1.35; display:block; margin-bottom:18px; quotes:none; }
.testimonial-person{ display:flex; align-items:center; gap:12px; }
.avatar-ring{
  width:44px; height:44px; border-radius:50%; display:flex; align-items:center; justify-content:center;
  background:linear-gradient(135deg,var(--gold-strong),var(--gold)); color:var(--on-accent); font-weight:700; font-family:var(--font-mono);
}

/* Phone mockup (signature: replaces stock "hand holding phone" photography) */
.phone-mock{
  width:100%; max-width:300px; margin-inline:auto; aspect-ratio:9/18.5; border-radius:38px; padding:12px;
  background:linear-gradient(160deg,#0e2c47,#082036); box-shadow:0 30px 60px -20px rgba(0,0,0,.55), inset 0 0 0 2px rgba(255,255,255,.06);
  position:relative;
}
.phone-mock .screen{
  width:100%; height:100%; border-radius:26px; background:linear-gradient(175deg,#123252,#0a2036);
  overflow:hidden; position:relative; display:flex; flex-direction:column; padding:22px 16px;
}
.phone-mock .notch{ position:absolute; top:10px; left:50%; transform:translateX(-50%); width:70px; height:6px; border-radius:6px; background:rgba(255,255,255,.15); }
.phone-mock .balance-label{ font-size:.68rem; color:#9db4c9; letter-spacing:.08em; text-transform:uppercase; margin-top:20px; }
.phone-mock .balance{ font-family:var(--font-mono); font-size:1.7rem; color:#eaf2f8; margin:6px 0 18px; }
.phone-mock .pill-row{ display:flex; gap:8px; margin-bottom:18px; }
.phone-mock .pill{ flex:1; background:rgba(255,255,255,.06); border:1px solid rgba(255,255,255,.1); border-radius:12px; padding:10px 8px; text-align:center; font-size:.62rem; color:#cfe0ec; }
.phone-mock .pill svg{ width:16px; height:16px; margin:0 auto 4px; color:var(--gold-strong); }
.phone-mock .tx{ display:flex; justify-content:space-between; font-size:.72rem; padding:9px 0; border-bottom:1px dashed rgba(255,255,255,.08); color:#cfe0ec; }
.phone-mock .tx span:last-child{ font-family:var(--font-mono); }
.phone-float{
  position:absolute; background:var(--surface); border:1px solid var(--border); border-radius:14px; padding:10px 14px;
  box-shadow:var(--shadow); display:flex; align-items:center; gap:10px; font-size:.78rem; font-weight:600;
}
.phone-wrap{ position:relative; display:flex; justify-content:center; }
.phone-float.f1{ top:8%; left:-6%; }
.phone-float.f2{ bottom:12%; right:-8%; }

/* CTA banner */
.cta-banner{
  border-radius:var(--radius-lg); padding:64px 48px; text-align:center;
  background:
    radial-gradient(circle at 15% 20%, rgba(47,164,221,.18), transparent 45%),
    linear-gradient(135deg,var(--primary-deep),#08243c);
  color:#eaf2f8; position:relative; overflow:hidden;
}
.cta-banner h2{ font-size:clamp(1.6rem,3.4vw,2.3rem); max-width:22ch; margin-inline:auto; }
.cta-banner p{ color:#c7dbe8; max-width:46ch; margin-inline:auto; }
.cta-actions{ display:flex; gap:14px; justify-content:center; flex-wrap:wrap; margin-top:24px; }

/* Timeline (about) — a genuine chronological sequence, so numbering is meaningful */
.timeline{ position:relative; padding-left:40px; }
.timeline::before{ content:""; position:absolute; left:9px; top:6px; bottom:6px; width:2px; background:var(--border); }
.timeline-item{ position:relative; padding-bottom:44px; }
.timeline-item:last-child{ padding-bottom:0; }
.timeline-item::before{
  content:""; position:absolute; left:-40px; top:2px; width:20px; height:20px; border-radius:50%;
  background:var(--surface); border:3px solid var(--gold);
}
.timeline-item .yr{ font-family:var(--font-mono); color:var(--gold); font-weight:600; font-size:.85rem; }
.timeline-item h4{ margin:4px 0 6px; font-size:1.1rem; }
.timeline-item p{ color:var(--text-muted); margin:0; font-size:.92rem; }

/* Values grid */
.value-card{ padding:0; }
.value-card .icon-badge{ background:transparent; border:1px solid var(--border); color:var(--gold); }

/* Team */
.team-card{ text-align:center; background:var(--surface); border:1px solid var(--border); border-radius:var(--radius-md); padding:30px 20px; }
.team-avatar{
  width:84px; height:84px; border-radius:50%; margin:0 auto 16px; display:flex; align-items:center; justify-content:center;
  font-family:var(--font-display); font-size:1.5rem; font-weight:600; color:#fff;
  background:linear-gradient(135deg,var(--primary),var(--primary-deep));
}
.team-card h4{ margin-bottom:2px; font-size:1.02rem; }
.team-card .role{ color:var(--gold); font-size:.8rem; font-family:var(--font-mono); }
.team-card p{ color:var(--text-muted); font-size:.85rem; margin-top:10px; margin-bottom:0; }

/* Page hero (inner pages) */
.page-hero{
  position:relative; padding:150px 0 90px; color:#eaf2f8; overflow:hidden;
}
.page-hero-media{ position:absolute; inset:0; z-index:0; }
.page-hero-media img{ width:100%; height:100%; object-fit:cover; }
.page-hero-media::after{ content:""; position:absolute; inset:0; background:var(--overlay); }
.page-hero-inner{ position:relative; z-index:1; max-width:680px; }
.page-hero h1{ font-size:clamp(2rem,4.4vw,3.1rem); margin-top:14px; }
.breadcrumb{ display:flex; gap:8px; align-items:center; font-size:.82rem; color:#cfe0ec; margin-top:18px; }
.breadcrumb a{ color:#cfe0ec; }
.breadcrumb a:hover{ color:var(--gold-strong); }

/* Accordion (services FAQ) */
.accordion-item{ border-bottom:1px solid var(--border); }
.accordion-item:first-child{ border-top:1px solid var(--border); }
.accordion-btn{
  width:100%; background:none; border:0; padding:22px 4px; display:flex; justify-content:space-between; align-items:center;
  gap:16px; text-align:left; color:var(--text); font-size:1rem; font-weight:500;
}
.accordion-btn svg{ width:18px; height:18px; flex:none; transition:transform .25s; color:var(--gold); }
.accordion-item.open .accordion-btn svg{ transform:rotate(45deg); }
.accordion-panel{ max-height:0; overflow:hidden; transition:max-height .3s ease; }
.accordion-panel-inner{ padding:0 4px 22px; color:var(--text-muted); font-size:.92rem; max-width:70ch; }

/* Comparison table (accounts) */
.table-wrap{ overflow-x:auto; border-radius:var(--radius-md); border:1px solid var(--border); }
table.compare{ width:100%; border-collapse:collapse; min-width:720px; background:var(--surface); }
table.compare th, table.compare td{ padding:16px 20px; text-align:left; border-bottom:1px solid var(--border); font-size:.9rem; }
table.compare thead th{ font-family:var(--font-mono); text-transform:uppercase; letter-spacing:.06em; font-size:.72rem; color:var(--text-muted); background:var(--surface-2); }
table.compare tbody tr:last-child td{ border-bottom:none; }
table.compare td.rate{ font-family:var(--font-mono); color:var(--primary-strong); font-weight:600; }
table.compare td:first-child{ font-weight:600; }

/* Branch / contact cards */
.contact-card{ display:flex; gap:16px; background:var(--surface); border:1px solid var(--border); border-radius:var(--radius-md); padding:24px; }
.contact-card .icon-badge{ margin-bottom:0; }
.contact-card h4{ margin-bottom:4px; font-size:1rem; }
.contact-card p{ color:var(--text-muted); font-size:.88rem; margin-bottom:0; }

.branch-item{ display:flex; justify-content:space-between; gap:20px; padding:20px 0; border-bottom:1px solid var(--border); flex-wrap:wrap; }
.branch-item:first-child{ padding-top:0; }
.branch-item h4{ margin-bottom:4px; }
.branch-item .hours{ font-family:var(--font-mono); font-size:.8rem; color:var(--primary-strong); text-align:right; }

.branch-card{
  position:relative; background:var(--surface); border:1px solid var(--border); border-radius:var(--radius-md);
  padding:30px 26px; overflow:hidden; transition:transform .25s, box-shadow .25s;
}
.branch-card::before{
  content:""; position:absolute; top:0; left:0; right:0; height:3px;
  background:linear-gradient(90deg,var(--primary),var(--gold-strong)); transform:scaleX(0); transform-origin:left; transition:transform .35s ease;
}
.branch-card:hover{ transform:translateY(-6px); box-shadow:var(--shadow); }
.branch-card:hover::before{ transform:scaleX(1); }
.branch-card .branch-index{
  font-family:var(--font-mono); font-size:.7rem; letter-spacing:.1em; color:var(--gold);
  background:var(--surface-2); border:1px solid var(--border); padding:4px 10px; border-radius:999px; display:inline-block; margin-bottom:16px;
}
.branch-card h4{ font-size:1.1rem; margin-bottom:8px; }
.branch-card .addr{ color:var(--text-muted); font-size:.9rem; margin-bottom:16px; display:flex; gap:8px; align-items:flex-start; }
.branch-card .addr svg{ width:16px; height:16px; flex:none; margin-top:2px; color:var(--primary-strong); }
.branch-card .hours-row{ display:flex; justify-content:space-between; font-size:.82rem; padding:8px 0; border-top:1px solid var(--border); color:var(--text-muted); }
.branch-card .hours-row span:last-child{ font-family:var(--font-mono); color:var(--text); font-weight:600; }

/* Map graphic (no external API — stylised CSS/SVG map) */
.map-panel{
  position:relative; border-radius:var(--radius-lg); overflow:hidden; border:1px solid var(--border);
  background:
    radial-gradient(circle at 30% 30%, rgba(47,143,196,.25), transparent 55%),
    radial-gradient(circle at 70% 70%, rgba(47,164,221,.12), transparent 50%),
    var(--surface-2);
  min-height:340px; display:flex; align-items:center; justify-content:center;
}
.map-panel svg{ width:100%; height:100%; position:absolute; inset:0; opacity:.5; }
.map-pin{
  position:relative; z-index:1; display:flex; flex-direction:column; align-items:center; gap:10px; color:var(--text);
}
.map-pin .pin-badge{ width:52px; height:52px; border-radius:50%; background:var(--gold); color:var(--on-accent); display:flex; align-items:center; justify-content:center; box-shadow:0 12px 26px -10px rgba(47,164,221,.7); }
.map-pin .pin-badge svg{ width:24px; height:24px; }

/* Form */
.form-panel{ background:var(--surface); border:1px solid var(--border); border-radius:var(--radius-lg); padding:38px; }
.form-row{ display:grid; grid-template-columns:1fr 1fr; gap:18px; }
.field{ margin-bottom:18px; display:flex; flex-direction:column; gap:6px; }
.field label{ font-size:.82rem; font-weight:600; color:var(--text-muted); }
.field input, .field select, .field textarea{
  background:var(--bg-alt); border:1px solid var(--border); border-radius:10px; padding:12px 14px;
  color:var(--text); font-size:.94rem; transition:border-color .2s, box-shadow .2s;
}
.field input:focus, .field select:focus, .field textarea:focus{ border-color:var(--primary); box-shadow:0 0 0 3px rgba(47,143,196,.18); outline:none; }
.field textarea{ resize:vertical; min-height:120px; }
.form-success{
  display:none; align-items:center; gap:12px; background:rgba(47,143,196,.12); border:1px solid var(--primary);
  color:var(--text); padding:14px 18px; border-radius:12px; margin-bottom:20px; font-size:.9rem;
}
.form-success.show{ display:flex; }
.form-success svg{ width:20px; height:20px; color:var(--primary-strong); flex:none; }

/* Newsletter */
.newsletter{ display:flex; gap:10px; max-width:380px; }
.newsletter input{
  flex:1; background:rgba(255,255,255,.06); border:1px solid rgba(255,255,255,.14); border-radius:999px;
  padding:11px 16px; color:#fff; font-size:.88rem;
}
.newsletter input::placeholder{ color:#9db4c9; }
.newsletter input:focus{ outline:none; border-color:var(--gold); }

/* ==========================================================================
   FOOTER
   ========================================================================== */
.site-footer{ background:#071627; color:#c7dbe8; padding-top:76px; }
[data-theme="light"] .site-footer{ background:#0d2740; }
.footer-top{ display:grid; grid-template-columns:1.4fr 1fr 1fr 1fr 1.2fr; gap:36px; padding-bottom:52px; border-bottom:1px solid rgba(255,255,255,.08); }
.footer-brand p{ color:#9db4c9; font-size:.88rem; max-width:32ch; }
.footer-col h5{ font-family:var(--font-mono); text-transform:uppercase; letter-spacing:.08em; font-size:.72rem; color:var(--gold-strong); margin-bottom:16px; }
.footer-col a{ display:block; padding:6px 0; color:#c7dbe8; font-size:.9rem; transition:color .2s; }
.footer-col a:hover{ color:var(--gold-strong); }
.footer-social{ display:flex; gap:10px; margin-top:16px; }
.footer-social a{ width:34px; height:34px; border-radius:50%; border:1px solid rgba(255,255,255,.14); display:flex; align-items:center; justify-content:center; padding:0; }
.footer-social a:hover{ background:var(--gold); border-color:var(--gold); color:var(--on-accent); }
.footer-bottom{ display:flex; justify-content:space-between; align-items:center; padding:26px 0; font-size:.8rem; color:#7f9cb2; flex-wrap:wrap; gap:12px; }
.footer-bottom .legal-links{ display:flex; gap:18px; }
.footer-bottom .legal-links a{ color:#7f9cb2; }
.footer-bottom .legal-links a:hover{ color:var(--gold-strong); }
.footer-badges{ display:flex; gap:14px; align-items:center; flex-wrap:wrap; margin-top:18px; }
.footer-badge{ display:flex; align-items:center; gap:8px; font-size:.76rem; color:#9db4c9; border:1px solid rgba(255,255,255,.1); padding:7px 12px; border-radius:999px; }
.footer-badge svg{ width:14px; height:14px; color:var(--gold-strong); }

/* Back to top */
.to-top{
  position:fixed; right:22px; bottom:22px; width:46px; height:46px; border-radius:50%; z-index:150;
  background:var(--gold); color:var(--on-accent); display:flex; align-items:center; justify-content:center;
  box-shadow:0 14px 30px -10px rgba(0,0,0,.5); opacity:0; pointer-events:none; transform:translateY(10px);
  transition:opacity .25s, transform .25s;
}
.to-top.show{ opacity:1; pointer-events:auto; transform:translateY(0); }
.to-top svg{ width:18px; height:18px; }

/* Reveal-on-scroll */
.reveal{ opacity:0; transform:translateY(24px); transition:opacity .7s ease, transform .7s ease; }
.reveal.in{ opacity:1; transform:translateY(0); }

/* ==========================================================================
   RESPONSIVE
   ========================================================================== */
@media (max-width: 1024px){
  .grid-4{ grid-template-columns:repeat(2,1fr); }
  .grid-3{ grid-template-columns:repeat(2,1fr); }
  .stat-bar{ grid-template-columns:repeat(2,1fr); }
  .split{ grid-template-columns:1fr; gap:40px; }
  .split.reverse{ direction:ltr; }
  .split .split-media{ order:-1; }
  .footer-top{ grid-template-columns:1fr 1fr 1fr; row-gap:40px; }
  .footer-brand{ grid-column:1/-1; }
}

@media (max-width: 860px){
  .main-nav{ display:none; }
  .hamburger{ display:flex; flex:none; }
  /* the header's own Online Banking pill is redundant with the one in the
     mobile drawer, and was overflowing the viewport and pushing the
     hamburger off-screen — hide it here, keep only toggle + hamburger */
  .nav-actions{ gap:8px; }
  .nav-actions > a.btn{ display:none; }
  .topbar-info a span.hide-sm{ display:none; }
  .form-row{ grid-template-columns:1fr; }
  .footer-top{ grid-template-columns:1fr 1fr; }
}

@media (max-width: 480px){
  .brand-word small{ display:none; }
}

@media (max-width: 640px){
  .wrap{ padding:0 28px; }
  .section{ padding-top:64px; padding-bottom:64px; }
  .grid-4, .grid-3, .grid-2{ grid-template-columns:1fr; }
  .stat-bar{ grid-template-columns:1fr 1fr; padding:36px 22px; gap:28px 16px; }
  .hero{ min-height:auto; }
  .hero-inner{ padding-top:96px; padding-bottom:56px; }
  .hero-ctas .btn{ width:100%; }
  .hero-ctas{ flex-direction:column; }
  .cta-banner{ padding:44px 24px; }
  .cta-actions .btn{ width:100%; }
  .cta-actions{ flex-direction:column; }
  .footer-top{ grid-template-columns:1fr; gap:32px; }
  .footer-bottom{ flex-direction:column; align-items:flex-start; }
  .page-hero{ padding:126px 0 64px; }
  .topbar .wrap{ justify-content:center; text-align:center; }
  .topbar-info{ justify-content:center; }
  .form-panel{ padding:24px; }
  .brand-word{ font-size:1.05rem; }
  .phone-float{ display:none; }
}