:root{
  --navy:#0b2a4a; --navy2:#123a63; --gold:#c9a45c; --gold2:#d4af6a;
  --bg:#f6f7f9; --card:#ffffff; --ink:#10233c; --muted:#5d6f86;
  --line:#e3e9f0; --green:#0e9f6e; --red:#d64545; --radius:16px;
  --shadow:0 12px 32px rgba(11,42,74,.12);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,system-ui,-apple-system,Segoe UI,Roboto,sans-serif;background:var(--bg);color:var(--ink);line-height:1.6}
h1,h2,h3{line-height:1.15;margin:.2em 0 .4em}
h1{font-family:Fraunces,Georgia,serif;font-size:clamp(2.4rem,5vw,4rem);letter-spacing:-.02em}
h1 em{font-style:italic;color:var(--navy2);position:relative}
h1 em::after{content:"";position:absolute;left:0;right:0;bottom:6px;height:10px;background:linear-gradient(90deg,#f3dfa8,#e8c877);z-index:-1;border-radius:4px}
h2{font-size:clamp(1.6rem,3vw,2.3rem);letter-spacing:-.02em}
.container{max-width:1160px;margin:0 auto;padding:0 20px}
.section{padding:72px 0}
.section.alt{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.kicker{text-transform:uppercase;letter-spacing:.14em;font-size:.75rem;font-weight:700;color:#8a6d2b;margin:0}
.muted{color:var(--muted)}
.fine{font-size:.82rem;color:var(--muted)}
.skip-link{position:absolute;left:-999px;background:var(--navy);color:#fff;padding:8px 14px;border-radius:8px}
.skip-link:focus{left:12px;top:12px;z-index:99}
a{color:var(--navy2)}
/* topbar + nav */
.topbar{background:var(--navy);color:#cdd9e8;font-size:.82rem}
.topbar-inner{display:flex;justify-content:space-between;gap:12px;padding:8px 20px}
.topbar a{color:#fff}
.topbar-right{display:flex;gap:8px;align-items:center}
.dot{opacity:.5}
.nav{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.92);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
.nav-inner{display:flex;align-items:center;justify-content:space-between;padding:14px 20px;gap:16px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink)}
.brand-mark{width:40px;height:40px;border-radius:12px;background:var(--navy);color:var(--gold2);display:grid;place-items:center;font-family:Georgia,serif;font-weight:800;font-size:1.4rem}
.brand-text{display:flex;flex-direction:column;line-height:1.1}
.brand-text small{font-size:.62rem;letter-spacing:.18em;color:var(--muted)}
.nav-links{display:flex;gap:22px}
.nav-links a{text-decoration:none;color:var(--ink);font-weight:500}
.nav-links a:hover{color:var(--navy2);text-decoration:underline}
.nav-actions{display:flex;gap:10px;align-items:center}
.btn{border:0;border-radius:999px;padding:10px 18px;font-weight:600;cursor:pointer;text-decoration:none;display:inline-block;font-size:.95rem}
.btn-primary{background:var(--navy);color:#fff}
.btn-primary:hover{background:var(--navy2)}
.btn-ghost{background:transparent;border:1px solid var(--line);color:var(--ink)}
.btn-outline{background:#fff;border:1.5px solid var(--navy);color:var(--navy)}
.btn-lg{padding:14px 24px;font-size:1rem}
.btn-small{padding:7px 14px;font-size:.85rem}
.btn-outline-sm{background:#fff;border:1px solid var(--navy);color:var(--navy);padding:6px 12px;font-size:.82rem;border-radius:999px;text-decoration:none}
.btn-block{width:100%}
.hamburger{display:none;background:none;border:1px solid var(--line);border-radius:10px;padding:8px 12px;font-size:1.1rem}
.mobile-menu{display:none;flex-direction:column;padding:10px 20px 18px;gap:10px;border-top:1px solid var(--line);background:#fff}
.mobile-menu a{text-decoration:none;color:var(--ink);font-weight:600;padding:8px 0}
/* hero */
.hero{background:radial-gradient(900px 400px at 80% -10%,#e9d9ac 0%,transparent 60%),linear-gradient(180deg,#fbf8ee,#f6f7f9);padding:56px 0 40px}
.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:center}
.pill{display:inline-flex;gap:8px;align-items:center;background:#fff;border:1px solid var(--line);border-radius:999px;padding:8px 14px;font-size:.88rem;box-shadow:var(--shadow)}
.pulse{width:10px;height:10px;border-radius:50%;background:var(--green);box-shadow:0 0 0 6px rgba(14,159,110,.15)}
.lead{font-size:1.12rem;color:#33475f}
.hero-cta{display:flex;gap:12px;margin:18px 0;flex-wrap:wrap}
.hero-proof{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;background:#fff;border:1px solid var(--line);border-radius:14px;padding:14px;margin-top:10px}
.hero-proof strong{display:block;font-size:1.25rem}
.hero-proof span{font-size:.82rem;color:var(--muted)}
.hero-card-wrap{position:relative;display:flex;flex-direction:column;gap:16px}
.bank-card{background:linear-gradient(135deg,#0b2a4a,#1d4f86 60%,#0b2a4a);color:#fff;border-radius:20px;padding:22px;box-shadow:var(--shadow)}
.bank-card-top{display:flex;justify-content:space-between;font-size:.8rem;letter-spacing:.12em;opacity:.9}
.chip{width:52px;height:36px;border-radius:8px;background:linear-gradient(135deg,#e8c877,#b78f3a);margin:16px 0 10px}
.card-num{font-size:1.25rem;letter-spacing:.12em}
.bank-card-bottom{display:flex;justify-content:space-between;margin-top:14px;font-size:.85rem;opacity:.9}
.balance-card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:18px;box-shadow:var(--shadow)}
.balance-head{display:flex;justify-content:space-between;align-items:start;gap:12px}
.balance-head strong{font-size:1.7rem;display:block}
.balance-head small{color:var(--muted)}
.up{color:var(--green);font-size:.82rem;font-weight:600}
.mini-bars{display:flex;gap:6px;align-items:end;height:56px;margin:14px 0 8px}
.mini-bars i{flex:1;background:linear-gradient(180deg,var(--navy2),#7aa4d1);border-radius:6px;min-height:8px}
.mini-tx{list-style:none;margin:0;padding:0}
.mini-tx li{display:flex;justify-content:space-between;padding:8px 0;border-top:1px solid var(--line);font-size:.9rem}
.pos{color:var(--green)}
/* trustbar */
.trustbar{background:var(--navy);color:#d8e2ef}
.trustbar-inner{display:flex;gap:28px;justify-content:space-between;padding:12px 20px;font-size:.8rem;letter-spacing:.12em;flex-wrap:wrap}
/* cards & grids */
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:22px;box-shadow:0 4px 16px rgba(11,42,74,.06)}
.section-head{display:flex;justify-content:space-between;gap:20px;align-items:end;margin-bottom:24px;flex-wrap:wrap}
.product .icon{font-size:1.8rem}
.product .rate{font-size:1.6rem;font-weight:800;margin:.3em 0}
.product .rate small{font-size:.85rem;font-weight:500;color:var(--muted)}
.product ul{padding-left:18px;color:#33475f}
.product.featured{border:2px solid var(--gold2);position:relative}
.badge{position:absolute;top:-13px;left:18px;background:var(--gold2);color:#3d2f0a;font-size:.75rem;font-weight:800;padding:4px 12px;border-radius:999px}
.link{font-weight:700;color:var(--navy);text-decoration:none}
/* rates */
.rates-actions{display:flex;gap:12px;align-items:center}
input,select,textarea{width:100%;padding:11px 13px;border:1.5px solid var(--line);border-radius:12px;font-size:.95rem;font-family:inherit;background:#fff;color:var(--ink)}
input:focus,select:focus,textarea:focus{outline:2px solid var(--navy2);border-color:var(--navy2)}
#rateSearch,#branchSearch,#txFilter{max-width:320px}
.updated{font-size:.85rem;color:var(--muted)}
.table-wrap{overflow:auto;border:1px solid var(--line);border-radius:14px;background:#fff}
table.rates{width:100%;border-collapse:collapse;min-width:760px}
table.rates th,table.rates td{padding:14px 16px;text-align:left;border-bottom:1px solid var(--line)}
table.rates thead{background:#f1f4f8;font-size:.82rem;letter-spacing:.06em;text-transform:uppercase}
.hl{color:#0b6b4a;font-weight:800}
/* calculators */
.tabs{display:flex;gap:8px;margin-bottom:16px;flex-wrap:wrap}
.tab{border:1px solid var(--line);background:#fff;padding:10px 18px;border-radius:999px;cursor:pointer;font-weight:600}
.tab.active{background:var(--navy);color:#fff;border-color:var(--navy)}
.calc-grid{display:grid;grid-template-columns:1fr 1.1fr;gap:18px}
.calc-inputs label{display:block;margin-bottom:16px;font-weight:600}
.calc-inputs output{display:block;color:var(--navy2);margin-top:4px}
.calc-inputs input[type=range]{accent-color:var(--navy);padding:0;border:0}
.hidden{display:none!important}
#calcMain{font-size:2.6rem;margin:.1em 0}
#calcChart{width:100%;height:180px;background:#f6f8fb;border:1px solid var(--line);border-radius:12px}
.calc-break{display:flex;gap:12px;margin-top:12px;flex-wrap:wrap;font-size:.9rem}
/* demo */
.demo-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:18px}
.acct{display:flex;justify-content:space-between;align-items:center;padding:12px 0;border-bottom:1px solid var(--line)}
.acct small{display:block;color:var(--muted)}
.transfer{margin-top:14px;background:#f6f8fb;border:1px dashed var(--line);border-radius:12px;padding:14px}
.transfer-row{display:flex;gap:10px;margin-bottom:10px}
.tx-head{display:flex;justify-content:space-between;gap:12px;align-items:center}
.tx-list{list-style:none;margin:12px 0 0;padding:0;max-height:380px;overflow:auto}
.tx-list li{display:flex;justify-content:space-between;gap:12px;padding:11px 4px;border-bottom:1px solid var(--line)}
.tx-list small{display:block;color:var(--muted)}
.neg{color:var(--ink)} .pos2{color:var(--green);font-weight:700}
.form-err{color:var(--red);font-size:.88rem;min-height:1.2em;margin:8px 0}
/* app */
.app-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:36px;align-items:center}
.phone{width:270px;margin:0 auto;background:#0f1f36;border-radius:36px;padding:14px;box-shadow:var(--shadow)}
.phone-notch{width:110px;height:22px;background:#0f1f36;border-radius:0 0 14px 14px;margin:-14px auto 10px;background:#000}
.phone-screen{background:#fff;border-radius:24px;padding:18px;display:flex;flex-direction:column;gap:10px}
.phone-screen strong{font-size:1.6rem}
.phone-btns{display:grid;grid-template-columns:repeat(4,1fr);gap:8px}
.phone-btns span{background:#eef3f8;border-radius:10px;text-align:center;padding:8px 0;font-size:.78rem;font-weight:700}
.phone-row{display:flex;gap:10px;align-items:center;border:1px solid var(--line);border-radius:12px;padding:10px}
.phone-row b{font-size:.85rem;display:block} .phone-row small{color:var(--muted);font-size:.75rem}
.toggle{width:36px;height:20px;border-radius:999px;background:#cbd5e1;margin-left:auto;position:relative}
.toggle.on{background:var(--green)} .toggle.on::after{content:"";position:absolute;right:2px;top:2px;width:16px;height:16px;background:#fff;border-radius:50%}
.checks{list-style:none;padding:0;display:grid;gap:12px}
.checks li{padding-left:30px;position:relative}
.checks li::before{content:"✓";position:absolute;left:0;top:0;width:22px;height:22px;background:#e6f6ee;color:#0b6b4a;border-radius:50%;display:grid;place-items:center;font-weight:800}
.store-btns{display:flex;gap:10px;margin-top:14px;flex-wrap:wrap}
.store{background:#0b2a4a;color:#fff;padding:10px 16px;border-radius:12px;font-size:.88rem}
/* branches, faq */
#branchGrid .card h3{margin:.2em 0}
.pill-sm{display:inline-block;background:#eef3f8;border-radius:999px;padding:3px 10px;font-size:.78rem;margin:4px 4px 0 0}
.faq-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:28px}
.accordion details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:14px 16px;margin-bottom:10px}
.accordion summary{font-weight:700;cursor:pointer}
/* wizard */
.wizard-wrap{display:grid;grid-template-columns:1.4fr .8fr;gap:18px}
.steps{list-style:none;display:flex;gap:8px;padding:0}
.steps li{flex:1;text-align:center;background:#eef3f8;border-radius:999px;padding:8px;font-size:.85rem;font-weight:700;color:var(--muted)}
.steps li.active{background:var(--navy);color:#fff}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.form-grid label,form label{display:block;font-weight:600;font-size:.9rem;margin-bottom:10px}
.acct-pick{display:grid;gap:10px;margin-bottom:12px}
.acct-pick label{border:1.5px solid var(--line);border-radius:12px;padding:12px;display:flex;gap:10px;align-items:center;cursor:pointer}
.acct-pick input{width:auto}
.review{background:#f6f8fb;border-radius:12px;padding:14px;margin-bottom:12px}
.agree{display:flex;gap:10px;align-items:start;font-weight:500}
.agree input{width:auto;margin-top:5px}
.wizard-nav{display:flex;justify-content:space-between;margin-top:14px}
.perks ul{list-style:none;padding:0;display:grid;gap:10px}
.secure{margin-top:14px;background:#fff8e6;border:1px solid #ead9a0;border-radius:12px;padding:12px;font-size:.88rem}
/* contact + footer */
.contact-grid{display:grid;grid-template-columns:1fr 1.2fr;gap:24px}
footer{background:var(--navy);color:#cdd9e8;margin-top:0}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:20px;padding:40px 20px}
.foot-grid a{display:block;color:#cdd9e8;text-decoration:none;padding:3px 0;font-size:.92rem}
.foot-grid h4{color:#fff;margin:.2em 0 .6em}
.foot-grid .brand-text strong{color:#fff}
.foot-base{display:flex;justify-content:space-between;gap:12px;align-items:center;padding:16px 20px 24px;border-top:1px solid rgba(255,255,255,.15);font-size:.85rem;flex-wrap:wrap}
/* modal + toast */
.modal-backdrop{position:fixed;inset:0;background:rgba(11,42,74,.55);display:none;place-items:center;padding:20px;z-index:100}
.modal-backdrop.open{display:grid}
.modal{background:#fff;border-radius:18px;padding:26px;max-width:420px;width:100%;position:relative}
.modal-x{position:absolute;right:14px;top:14px;border:0;background:#eef3f8;border-radius:50%;width:32px;height:32px;cursor:pointer}
.modal-links{display:flex;justify-content:space-between;margin-top:12px;font-size:.9rem}
.toast{position:fixed;bottom:22px;left:50%;transform:translateX(-50%) translateY(20px);background:var(--navy);color:#fff;padding:12px 20px;border-radius:999px;opacity:0;pointer-events:none;transition:.3s;z-index:200;max-width:90vw;text-align:center}
.toast.show{opacity:1;transform:translateX(-50%) translateY(0)}
@media(max-width:900px){
  .hero-grid,.calc-grid,.demo-grid,.app-grid,.wizard-wrap,.contact-grid,.faq-grid{grid-template-columns:1fr}
  .grid-3{grid-template-columns:1fr}
  .nav-links{display:none}
  .hamburger{display:block}
  .mobile-menu.open{display:flex}
  .foot-grid{grid-template-columns:1fr 1fr}
  .section{padding:48px 0}
  .form-grid{grid-template-columns:1fr}
  #loginBtn{display:none}
}