/* =============================================================
   Pacific Spruce FCU — stylesheet v3
   Inspired by texastechfcu.org: flat, airy, modern sans, split
   sections. Palette kept spruce-green but paired with teal accent.
   ============================================================= */

:root {
  /* Brand ------------------------------------------------------ */
  --green-900: #0b3a22;
  --green-800: #0e4d2e;
  --green-700: #166b42;
  --green-600: #1e8a57;
  --green-500: #2aa86e;
  --green-100: #dff1e7;
  --green-50:  #f2f9f5;

  /* Teal accent (primary CTA, links, highlights) */
  --teal-800: #0b7a7c;
  --teal-700: #0e9091;
  --teal-600: #12a5a6;
  --teal-500: #20bcbd;
  --teal-100: #d4f3f3;
  --teal-50:  #eafafa;

  /* Neutrals */
  --ink-900: #0f1d16;
  --ink-800: #1d2c24;
  --ink-700: #3a4842;
  --ink-500: #6b7772;
  --ink-400: #8e9a94;
  --ink-300: #c3ccc6;
  --ink-200: #e5e9e5;
  --ink-100: #f1f4f1;

  --paper:     #ffffff;
  --paper-alt: #f7f9f7;
  --border:    #e5e9e5;

  --focus:     var(--teal-600);

  /* Typography */
  --font-sans: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Arial, sans-serif;
  --font-display: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Arial, sans-serif;

  /* Radii */
  --r-sm: 5px;
  --r-md: 5px;
  --r-lg: 5px;
  --r-xl: 5px;
  --r-full: 999px;

  /* Shadows — minimal, almost flat */
  --sh-sm: 0 1px 2px rgba(15, 29, 22, .04);
  --sh-md: 0 2px 8px rgba(15, 29, 22, .06);
  --sh-lg: 0 10px 28px rgba(15, 29, 22, .08);

  --container-max: 1240px;
  --sp-section: clamp(4rem, 8vw, 6.5rem);
}

/* ---------- Base ---------- */
*, *::before, *::after { box-sizing: border-box; }

html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }

body {
  margin: 0;
  font-family: var(--font-sans);
  font-size: 16px;
  line-height: 1.6;
  color: var(--ink-800);
  background: var(--paper);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  font-feature-settings: "ss01", "cv11";
}

img { max-width: 100%; display: block; }

a {
  color: var(--teal-700);
  text-decoration: none;
  transition: color .15s ease;
}
a:hover { color: var(--teal-800); text-decoration: underline; }

h1, h2, h3, h4 {
  font-family: var(--font-display);
  color: var(--ink-900);
  line-height: 1.15;
  margin: 0 0 .5em;
  letter-spacing: -.02em;
  font-weight: 700;
}
h1 { font-size: clamp(2.5rem, 4.5vw, 3.75rem); letter-spacing: -.03em; }
h2 { font-size: clamp(1.85rem, 3vw, 2.6rem); letter-spacing: -.025em; }
h3 { font-size: 1.25rem; font-weight: 600; }
p  { margin: 0 0 1em; }
ul { padding: 0; margin: 0; list-style: none; }

:focus-visible {
  outline: 3px solid var(--focus);
  outline-offset: 2px;
  border-radius: 5px;
}

.skip-link {
  position: absolute; left: -9999px; top: 0;
  background: var(--green-800); color: #fff;
  padding: .75rem 1rem; z-index: 1000;
}
.skip-link:focus { left: 0; }

.container {
  width: 100%;
  max-width: var(--container-max);
  margin: 0 auto;
  padding: 0 1.5rem;
}

.eyebrow {
  font-family: var(--font-sans);
  font-size: .78rem;
  font-weight: 700;
  letter-spacing: .16em;
  text-transform: uppercase;
  color: var(--teal-700);
  margin: 0 0 1rem;
  display: inline-flex;
  align-items: center;
  gap: .5rem;
}
.eyebrow i { color: var(--teal-600); font-size: .9em; }
.eyebrow--light { color: var(--teal-500); }
.eyebrow--light i { color: var(--teal-500); }

.section-header { max-width: 780px; margin: 0 0 3rem; }
.section-header--center { text-align: center; margin: 0 auto 3rem; }
.section-header--center .eyebrow { display: inline-flex; }
.section-header--split {
  max-width: none;
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  gap: 2rem;
  flex-wrap: wrap;
}
.section-lede {
  font-size: 1.1rem;
  color: var(--ink-700);
  max-width: 60ch;
  margin-bottom: 0;
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: .55rem;
  padding: .8rem 1.6rem;
  font-family: var(--font-sans);
  font-size: .95rem;
  font-weight: 600;
  line-height: 1.2;
  text-align: center;
  border: 2px solid transparent;
  border-radius: var(--r-md);
  cursor: pointer;
  transition: background-color .15s ease, color .15s ease, border-color .15s ease, transform .15s ease;
  white-space: nowrap;
  letter-spacing: -.005em;
}
.btn:hover { text-decoration: none; }
.btn i { font-size: .9em; }

.btn--primary {
  background: var(--teal-600);
  color: #fff;
  border-color: var(--teal-600);
}
.btn--primary:hover { background: var(--teal-700); border-color: var(--teal-700); color: #fff; }

.btn--dark {
  background: var(--green-800);
  color: #fff;
  border-color: var(--green-800);
}
.btn--dark:hover { background: var(--green-900); border-color: var(--green-900); color: #fff; }

.btn--outline {
  background: transparent;
  color: var(--green-800);
  border-color: var(--ink-200);
}
.btn--outline:hover {
  background: var(--ink-100);
  border-color: var(--green-800);
  color: var(--green-900);
}

.btn--outline-light {
  background: transparent;
  color: #fff;
  border-color: rgba(255,255,255,.45);
}
.btn--outline-light:hover { background: #fff; color: var(--green-900); border-color: #fff; }

.btn--ghost {
  background: transparent;
  color: var(--ink-900);
  border-color: transparent;
  padding: .8rem 1rem;
}
.btn--ghost:hover { color: var(--teal-700); text-decoration: none; }

.btn--lg { padding: 1rem 1.9rem; font-size: 1rem; }

.link-arrow {
  display: inline-flex;
  align-items: center;
  gap: .5rem;
  font-weight: 600;
  font-size: .92rem;
  letter-spacing: .02em;
  text-transform: uppercase;
  color: var(--teal-700);
  margin-top: auto;
  transition: gap .15s ease, color .15s ease;
}
.link-arrow:hover { color: var(--teal-800); gap: .75rem; text-decoration: none; }

/* ---------- Utility bar ---------- */
.utility-bar {
  background: var(--ink-900);
  color: #b7c3bc;
  font-size: .82rem;
}
.utility-bar a { color: #b7c3bc; }
.utility-bar a:hover { color: #fff; text-decoration: none; }

.utility-bar__inner {
  display: flex; justify-content: space-between; align-items: center;
  gap: 1rem; min-height: 40px; flex-wrap: wrap;
}
.utility-bar__info, .utility-bar__links {
  display: flex; gap: 1.5rem; flex-wrap: wrap; align-items: center;
}
.utility-bar__info i { margin-right: .4rem; color: var(--teal-500); }
.utility-bar__info li, .utility-bar__links li { padding: .25rem 0; }

.utility-bar__login {
  background: var(--teal-600);
  color: #fff !important;
  padding: .4rem 1rem;
  border-radius: var(--r-sm);
  font-weight: 600;
  display: inline-flex;
  align-items: center;
  gap: .4rem;
}
.utility-bar__login:hover { background: var(--teal-700); }

/* ---------- Header ---------- */
.site-header {
  background: var(--paper);
  border-bottom: 1px solid var(--border);
  position: sticky; top: 0; z-index: 100;
}
.site-header__inner {
  display: flex; align-items: center; gap: 2.5rem;
  min-height: 80px; padding: .75rem 1.5rem;
}

.brand { display: flex; align-items: center; gap: .85rem; text-decoration: none; color: var(--ink-900); }
.brand:hover { text-decoration: none; color: var(--ink-900); }
.brand__text { display: flex; flex-direction: column; line-height: 1.1; }
.brand__name {
  font-family: var(--font-display);
  font-size: 1.2rem;
  color: var(--green-900);
  font-weight: 700;
  letter-spacing: -.02em;
}
.brand__tag {
  font-size: .72rem;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--ink-500);
  font-weight: 500;
}

.primary-nav ul { display: flex; gap: 2.25rem; }
.primary-nav a {
  display: inline-block;
  padding: .6rem 0;
  color: var(--ink-800);
  font-weight: 500;
  font-size: .98rem;
  border-bottom: 2px solid transparent;
  transition: color .15s ease, border-color .15s ease;
}
.primary-nav a:hover {
  color: var(--teal-700);
  border-bottom-color: var(--teal-600);
  text-decoration: none;
}

.header-cta { margin-left: auto; display: flex; gap: .5rem; align-items: center; }

.nav-toggle {
  display: none; background: transparent; border: 0; padding: .5rem; cursor: pointer; margin-left: auto;
}
.nav-toggle span { display: block; width: 26px; height: 2px; background: var(--ink-900); margin: 5px 0; }

/* ---------- Hero ---------- */
.hero {
  position: relative;
  background: var(--paper);
  overflow: hidden;
  border-bottom: 1px solid var(--border);
}
.hero__inner {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
  gap: 4rem;
  align-items: center;
  padding-top: clamp(3rem, 7vw, 5.5rem);
  padding-bottom: clamp(3rem, 7vw, 5.5rem);
}
.hero__content { max-width: 560px; }
.hero h1 {
  color: var(--ink-900);
  margin-bottom: 1.25rem;
  line-height: 1.05;
}
.hero__lede {
  font-size: 1.2rem;
  line-height: 1.5;
  color: var(--ink-700);
  max-width: 32em;
  margin-bottom: 2rem;
}
.hero__ctas { display: flex; gap: .75rem; flex-wrap: wrap; }

.hero__media {
  position: relative;
  border-radius: var(--r-xl);
  overflow: hidden;
  background: var(--green-50);
  aspect-ratio: 4 / 3;
}
.hero__media img {
  width: 100%; height: 100%;
  object-fit: cover;
  object-position: center;
  mix-blend-mode: multiply;
}

/* ---------- Stats bar ---------- */
.stats-bar {
  background: var(--green-900);
  color: #fff;
}
.stats-bar__inner {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  padding: 1.75rem 0;
}
.stat-pill {
  display: flex;
  align-items: center;
  gap: 1rem;
  padding: .5rem 1.5rem;
  border-right: 1px solid rgba(255,255,255,.08);
}
.stat-pill:last-child { border-right: 0; }
.stat-pill i {
  font-size: 1.4rem;
  color: var(--teal-500);
  flex-shrink: 0;
  width: 36px; height: 36px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: rgba(32, 188, 189, .12);
  border-radius: var(--r-full);
}
.stat-pill strong {
  display: block;
  font-size: 1rem;
  color: #fff;
  line-height: 1.2;
  margin-bottom: .15rem;
  font-weight: 600;
}
.stat-pill span {
  display: block;
  font-size: .82rem;
  color: rgba(255,255,255,.65);
  line-height: 1.4;
}

/* ---------- Page hero variant (split layout for interior pages) -------- */
.hero--page {
  min-height: 0;
  display: block;
  padding: 0;
}
.hero--page::after { display: none; }      /* kill homepage fade overlay */
.hero--page .hero__inner {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
  gap: 3rem;
  align-items: center;
  padding-top: clamp(2.5rem, 5vw, 4rem);
  padding-bottom: clamp(2.5rem, 5vw, 4rem);
}
.hero--page .hero__content { max-width: none; }
.hero--page h1 { font-size: clamp(2rem, 3.8vw, 3rem); }

.hero--page .hero__media {
  position: relative;
  inset: auto;
  z-index: 0;
  background: var(--green-50);
  border-radius: var(--r-lg);
  overflow: hidden;
  aspect-ratio: 4 / 3;
  width: 100%;
  height: auto;
}
.hero--page .hero__media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
}

@media (max-width: 900px) {
  .hero--page .hero__inner { grid-template-columns: 1fr; gap: 2rem; }
  .hero--page .hero__media { max-width: 560px; margin-left: auto; margin-right: auto; }
}
@media (max-width: 560px) {
  .hero--page .hero__media { display: none; }
}

/* Breadcrumbs */
.breadcrumbs ol {
  display: flex;
  gap: .5rem;
  align-items: center;
  margin: 0 0 1rem;
  padding: 0;
  font-size: .85rem;
  color: var(--ink-500);
}
.breadcrumbs li { display: inline-flex; align-items: center; gap: .5rem; }
.breadcrumbs li + li::before {
  content: "/";
  color: var(--ink-300);
  font-weight: 500;
}
.breadcrumbs a { color: var(--ink-700); }
.breadcrumbs a:hover { color: var(--teal-700); }
.breadcrumbs [aria-current="page"] { color: var(--ink-900); font-weight: 600; }

/* ---------- Community variants for interior pages ---------- */
.community--reverse .community__inner {
  grid-template-columns: minmax(0, 1fr) minmax(0, 1.1fr);
}
.community--reverse .community__visual { order: -1; }

/* Inline CTA band (same palette as homepage .join-cta but sits inside page flow) */
.join-cta--inline { padding: clamp(3rem, 6vw, 4.5rem) 0; }
.join-cta--inline h2 { max-width: 24ch; margin-left: auto; margin-right: auto; }

/* ---------- SEO cards grid (compact short-read blocks) ---------- */
.seo-cards {
  padding: var(--sp-section) 0;
  background: var(--paper);
  border-top: 1px solid var(--border);
}
.seo-cards__grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1.25rem;
}
.seo-card {
  background: var(--paper);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  padding: 1.75rem;
  transition: border-color .2s ease, transform .2s ease, box-shadow .2s ease;
}
.seo-card:hover {
  border-color: var(--teal-600);
  transform: translateY(-3px);
  box-shadow: var(--sh-md, 0 4px 14px rgba(10,20,14,.06));
}
.seo-card h3 {
  color: var(--green-900);
  font-size: 1.1rem;
  margin: 0 0 .65rem;
  line-height: 1.3;
}
.seo-card p {
  font-size: .95rem;
  line-height: 1.6;
  color: var(--ink-700);
  margin: 0;
}

/* Inline backlinks inside long-form copy (teal, underlined, not-noisy) */
.inline-link,
.seo-card .inline-link,
.digital__copy .inline-link,
.community__copy .inline-link {
  color: var(--teal-700);
  border-bottom: 1px solid var(--teal-600);
  transition: color .15s ease, border-color .15s ease, background-color .15s ease;
}
.inline-link:hover {
  color: var(--teal-800);
  border-bottom-color: var(--teal-800);
  background: var(--teal-50);
  text-decoration: none;
}
.inline-link strong { color: inherit; font-weight: 600; }

/* ---------- Rates tables (rates.html) ---------- */
.rates-section { padding: var(--sp-section) 0; background: var(--paper); }
.rates-section--alt { background: var(--paper-alt); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }

.rates-section .section-header--split { align-items: flex-end; margin-bottom: 1.75rem; }
.rates-section__date {
  font-size: .88rem;
  color: var(--ink-700);
  margin: 0;
  text-align: right;
  display: flex;
  flex-direction: column;
  gap: .15rem;
}
.rates-section__date strong { color: var(--green-900); font-weight: 700; }
.rates-section__date span { font-size: .8rem; color: var(--ink-500); font-weight: 400; }

.rates-table__wrap {
  width: 100%;
  overflow-x: auto;
  border: 1px solid var(--border);
  border-radius: var(--r-md);
  background: var(--paper);
}
.rates-table {
  width: 100%;
  border-collapse: collapse;
  font-size: .95rem;
}
.rates-table thead { background: var(--green-900); color: #fff; }
.rates-table thead th {
  padding: .85rem 1.25rem;
  text-align: left;
  font-weight: 700;
  font-size: .8rem;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: #fff;
}
.rates-table tbody tr { border-top: 1px solid var(--border); }
.rates-table tbody tr:nth-child(even) { background: var(--paper-alt); }
.rates-table tbody th,
.rates-table tbody td {
  padding: .85rem 1.25rem;
  text-align: left;
  vertical-align: middle;
}
.rates-table tbody th {
  font-weight: 500;
  color: var(--ink-900);
}
.rates-table tbody td {
  font-family: var(--font-display);
  font-weight: 600;
  color: var(--green-900);
}
.rates-table__group th {
  background: var(--teal-50);
  color: var(--teal-800);
  font-weight: 700;
  font-size: .8rem;
  letter-spacing: .08em;
  text-transform: uppercase;
}

.rates-table__featured {
  background: linear-gradient(90deg, rgba(18,165,166,.08), transparent);
}
.rates-table__featured th { color: var(--green-900); font-weight: 700; }
.rates-table__featured td { color: var(--teal-700) !important; font-weight: 700; }
.rates-table__badge {
  display: inline-block;
  margin-left: .5rem;
  padding: .15rem .55rem;
  background: var(--teal-600);
  color: #fff;
  border-radius: var(--r-full);
  font-size: .7rem;
  font-weight: 700;
  letter-spacing: .06em;
  text-transform: uppercase;
  vertical-align: middle;
}

.rates-table__note {
  font-size: .82rem;
  color: var(--ink-500);
  margin: 1rem 0 0;
  line-height: 1.6;
  max-width: 900px;
}

/* ---------- NCUA disclosure strip ---------- */
.rates-disclosure { padding: 2rem 0; background: var(--paper); border-top: 1px solid var(--border); }
.rates-disclosure__inner {
  display: flex;
  align-items: center;
  gap: 1rem;
  padding: 1.25rem 1.5rem;
  background: var(--green-50);
  border: 1px solid var(--green-100);
  border-radius: var(--r-md);
}
.rates-disclosure__inner i {
  font-size: 1.5rem;
  color: var(--green-800);
  flex-shrink: 0;
}
.rates-disclosure__inner p {
  margin: 0;
  font-size: .9rem;
  color: var(--green-900);
  line-height: 1.5;
}

@media (max-width: 700px) {
  .rates-section .section-header--split { align-items: flex-start; }
  .rates-section__date { text-align: left; }
  .rates-table thead th,
  .rates-table tbody th,
  .rates-table tbody td { padding: .7rem .85rem; font-size: .88rem; }
}

/* ---------- Login page (login.html) ---------- */
.login-section {
  padding: var(--sp-section) 0;
  background: var(--paper-alt);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}
.login-section__inner {
  display: grid;
  grid-template-columns: minmax(0, 1.2fr) minmax(0, 1fr);
  gap: 2.5rem;
  align-items: start;
}

.login-form {
  background: var(--paper);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  padding: 2.5rem;
  display: grid;
  gap: 1.15rem;
}
.login-form h2 {
  color: var(--green-900);
  font-size: 1.4rem;
  margin: 0;
}
.login-form__sub {
  color: var(--ink-700);
  font-size: .95rem;
  margin: -.5rem 0 .25rem;
}
.login-form__field { display: flex; flex-direction: column; gap: .4rem; }
.login-form__field > span { font-size: .88rem; font-weight: 600; color: var(--ink-900); }
.login-form__field input {
  font-family: var(--font);
  font-size: 1rem;
  padding: .8rem .9rem;
  border: 1px solid var(--border);
  border-radius: var(--r-sm);
  background: var(--paper);
  color: var(--ink-900);
  width: 100%;
  transition: border-color .15s ease, box-shadow .15s ease;
}
.login-form__field input:focus {
  outline: none;
  border-color: var(--teal-600);
  box-shadow: 0 0 0 3px rgba(18,165,166,.15);
}
.login-form__pw {
  position: relative;
  display: flex;
  align-items: center;
}
.login-form__pw input { padding-right: 2.75rem; }
.login-form__pw-toggle {
  position: absolute;
  right: .35rem;
  top: 50%;
  transform: translateY(-50%);
  background: transparent;
  border: 0;
  color: var(--ink-500);
  padding: .5rem .65rem;
  cursor: pointer;
  border-radius: var(--r-sm);
}
.login-form__pw-toggle:hover { color: var(--teal-700); background: var(--teal-50); }

.login-form__remember {
  display: flex;
  align-items: center;
  gap: .6rem;
  font-size: .92rem;
  color: var(--ink-700);
  cursor: pointer;
}
.login-form__remember input[type="checkbox"] {
  width: 18px; height: 18px;
  accent-color: var(--teal-600);
  cursor: pointer;
}

.login-form__submit { justify-self: stretch; width: 100%; }

.login-form__helpers {
  display: flex;
  gap: 1.5rem;
  justify-content: space-between;
  flex-wrap: wrap;
  font-size: .9rem;
}

.login-form__enroll {
  padding-top: 1rem;
  border-top: 1px dashed var(--border);
  font-size: .92rem;
  color: var(--ink-700);
  margin: 0;
}

.login-form__alert {
  display: flex;
  align-items: flex-start;
  gap: .65rem;
  padding: .85rem 1rem;
  background: #fef2f2;
  border: 1px solid #fecaca;
  color: #991b1b;
  border-radius: var(--r-sm);
  font-size: .92rem;
  line-height: 1.5;
}
.login-form__alert[hidden] { display: none; }
.login-form__alert i { color: #dc2626; margin-top: .15rem; }

.login-aside {
  background: var(--paper);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  padding: 1.75rem;
  font-size: .92rem;
  color: var(--ink-700);
  line-height: 1.6;
}
.login-aside h3 {
  display: flex;
  align-items: center;
  gap: .5rem;
  color: var(--green-900);
  font-size: 1.05rem;
  margin: 0 0 .85rem;
}
.login-aside h3 i { color: var(--teal-600); }
.login-aside ul { padding-left: 1.2rem; margin: 0 0 .85rem; }
.login-aside ul li { padding: .2rem 0; }
.login-aside code {
  background: var(--paper-alt);
  padding: 0 .3rem;
  border-radius: 3px;
  font-size: .88em;
  color: var(--green-900);
}
.login-aside p { margin: 0; }

@media (max-width: 900px) {
  .login-section__inner { grid-template-columns: 1fr; }
}

/* ---------- Legal-page layout (privacy, terms, hbd, 3pld, app-terms, app-privacy, accessibility) ---------- */
.legal-layout { padding: var(--sp-section) 0; background: var(--paper); }
.legal-layout__inner {
  display: grid;
  grid-template-columns: 260px minmax(0, 1fr);
  gap: 3rem;
  align-items: start;
}
.legal-toc {
  position: sticky;
  top: 120px;
  padding: 1.5rem 1.25rem;
  background: var(--paper-alt);
  border: 1px solid var(--border);
  border-radius: var(--r-md);
}
.legal-toc__title {
  font-size: .78rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .12em;
  color: var(--teal-700);
  margin: 0 0 .75rem;
}
.legal-toc ol {
  padding: 0;
  margin: 0;
  list-style: none;
  counter-reset: toc;
  display: grid;
  gap: .2rem;
}
.legal-toc ol li { counter-increment: toc; }
.legal-toc ol a {
  display: grid;
  grid-template-columns: 24px 1fr;
  gap: .5rem;
  padding: .5rem 0;
  font-size: .92rem;
  color: var(--ink-800);
  line-height: 1.4;
  border-bottom: 1px dashed var(--border);
}
.legal-toc ol li:last-child a { border-bottom: 0; }
.legal-toc ol a::before {
  content: counter(toc, decimal-leading-zero);
  font-family: var(--font);
  font-size: .75rem;
  color: var(--teal-600);
  font-weight: 700;
}
.legal-toc ol a:hover {
  color: var(--teal-700);
  text-decoration: none;
}

.legal-article {
  max-width: 760px;
  font-size: 1rem;
  line-height: 1.75;
  color: var(--ink-800);
}
.legal-article > section { margin-bottom: 2.5rem; scroll-margin-top: 110px; }
.legal-article > section:last-of-type { margin-bottom: 1rem; }
.legal-article h2 {
  font-size: 1.4rem;
  color: var(--green-900);
  margin: 0 0 .85rem;
  padding-bottom: .55rem;
  border-bottom: 2px solid var(--teal-100);
}
.legal-article h3 {
  font-size: 1.08rem;
  color: var(--green-900);
  margin: 1.5rem 0 .5rem;
}
.legal-article p { margin: 0 0 1rem; }
.legal-article p:last-child { margin-bottom: 0; }
.legal-article ul,
.legal-article ol {
  margin: 0 0 1rem;
  padding-left: 1.25rem;
  list-style: disc;
}
.legal-article ul li,
.legal-article ol li {
  padding: .15rem 0;
  color: var(--ink-700);
}
.legal-article strong { color: var(--ink-900); }
.legal-article a {
  color: var(--teal-700);
  border-bottom: 1px solid var(--teal-100);
  transition: color .15s ease, border-color .15s ease;
}
.legal-article a:hover {
  color: var(--teal-800);
  border-bottom-color: var(--teal-600);
  text-decoration: none;
}
.legal-article__meta {
  margin-top: 2.5rem !important;
  padding-top: 1rem;
  border-top: 1px dashed var(--border);
  font-size: .85rem;
  color: var(--ink-500);
}
.legal-article__meta strong { color: var(--ink-700); }

@media (max-width: 900px) {
  .legal-layout__inner { grid-template-columns: 1fr; gap: 2rem; }
  .legal-toc { position: static; }
}

/* ---------- FAQ category navigation (faq.html) ---------- */
.faq-nav {
  padding: 1.5rem 0 .5rem;
  background: var(--paper);
  border-bottom: 1px solid var(--border);
}
.faq-nav__list {
  display: flex;
  flex-wrap: wrap;
  gap: .5rem;
  padding: 0;
  margin: 0;
  list-style: none;
}
.faq-nav__list a {
  display: inline-flex;
  align-items: center;
  gap: .45rem;
  padding: .5rem .9rem;
  background: var(--teal-50);
  border: 1px solid var(--teal-100);
  color: var(--teal-700);
  border-radius: var(--r-full);
  font-size: .88rem;
  font-weight: 600;
  transition: background-color .15s ease, color .15s ease, border-color .15s ease;
}
.faq-nav__list a:hover {
  background: var(--teal-600);
  color: #fff;
  border-color: var(--teal-600);
  text-decoration: none;
}
.faq-nav__list i { font-size: .82rem; }

/* Tighten consecutive FAQ sections on faq.html */
.loan-faq + .loan-faq { padding-top: 0; }

/* ---------- Forms & disclosures list (forms.html) ---------- */
.forms-section { padding: var(--sp-section) 0; background: var(--paper); }
.forms-section--alt { background: var(--paper-alt); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }
.forms-list {
  display: grid;
  grid-template-columns: 1fr;
  gap: .75rem;
  max-width: 960px;
}
.form-item {
  display: grid;
  grid-template-columns: 48px 1fr auto;
  gap: 1rem;
  align-items: center;
  padding: 1.1rem 1.25rem;
  background: var(--paper);
  border: 1px solid var(--border);
  border-radius: var(--r-md);
  transition: border-color .15s ease, box-shadow .15s ease, transform .15s ease;
}
.form-item:hover {
  border-color: var(--teal-600);
  box-shadow: var(--sh-md, 0 4px 14px rgba(10,20,14,.06));
  transform: translateY(-1px);
}
.form-item__icon {
  width: 48px; height: 48px;
  display: grid;
  place-items: center;
  background: var(--teal-50);
  color: var(--teal-700);
  border-radius: var(--r-md);
  font-size: 1.4rem;
}
.form-item__body h3 {
  font-size: 1.02rem;
  color: var(--ink-900);
  margin: 0 0 .2rem;
  line-height: 1.3;
}
.form-item__body p {
  font-size: .9rem;
  color: var(--ink-700);
  margin: 0 0 .25rem;
  line-height: 1.5;
}
.form-item__meta {
  font-size: .75rem;
  color: var(--ink-500);
  text-transform: uppercase;
  letter-spacing: .08em;
  font-weight: 600;
}
.form-item__cta {
  display: inline-flex;
  align-items: center;
  gap: .45rem;
  padding: .55rem 1rem;
  background: var(--teal-50);
  color: var(--teal-700);
  border-radius: var(--r-sm);
  font-size: .88rem;
  font-weight: 700;
  letter-spacing: .04em;
  text-transform: uppercase;
  transition: background-color .15s ease, color .15s ease;
  white-space: nowrap;
}
.form-item__cta:hover {
  background: var(--teal-600);
  color: #fff;
  text-decoration: none;
}

@media (max-width: 640px) {
  .form-item {
    grid-template-columns: 40px 1fr;
    gap: .75rem;
    padding: 1rem;
  }
  .form-item__cta { grid-column: 1 / -1; justify-self: start; }
  .form-item__icon { width: 40px; height: 40px; font-size: 1.15rem; }
}

/* ---------- Lender cards (loans-near-me.html) ---------- */
.lenders { padding: var(--sp-section) 0; background: var(--paper-alt); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }
.lenders__grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1.5rem;
}
.lender-card {
  display: flex;
  flex-direction: column;
  gap: 1rem;
  padding: 2rem;
  background: var(--paper);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  transition: border-color .15s ease, transform .15s ease, box-shadow .15s ease;
}
.lender-card:hover {
  border-color: var(--teal-600);
  transform: translateY(-3px);
  box-shadow: var(--sh-md, 0 4px 14px rgba(10,20,14,.06));
}
.lender-card__head {
  display: flex;
  align-items: center;
  gap: .85rem;
  padding-bottom: 1rem;
  border-bottom: 1px solid var(--border);
  margin-bottom: 0;
  min-height: 72px;
}
.lender-card__head h3 {
  font-size: 1.2rem;
  color: var(--green-900);
  margin: 0;
}
.lender-card__icon {
  width: 44px; height: 44px;
  display: grid;
  place-items: center;
  background: var(--teal-50);
  color: var(--teal-700);
  border-radius: var(--r-md);
  font-size: 1.15rem;
}
.lender-card__logo {
  display: inline-flex;
  align-items: center;
  justify-content: flex-start;
  max-width: 200px;
  max-height: 48px;
}
.lender-card__logo img {
  width: auto;
  height: auto;
  max-width: 100%;
  max-height: 48px;
  object-fit: contain;
}
.lender-card p {
  font-size: .94rem;
  color: var(--ink-700);
  margin: 0;
  line-height: 1.6;
  flex: 1;
}
.lender-card__meta {
  margin: 0;
  padding: 1rem 1.25rem;
  background: var(--paper-alt);
  border-radius: var(--r-md);
  display: grid;
  gap: .5rem;
}
.lender-card__meta > div {
  display: grid;
  grid-template-columns: 80px 1fr;
  gap: .75rem;
  align-items: start;
  font-size: .85rem;
  line-height: 1.5;
}
.lender-card__meta dt {
  color: var(--teal-700);
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .06em;
  font-size: .72rem;
  margin: 0;
  padding-top: .15rem;
}
.lender-card__meta dd { color: var(--ink-700); margin: 0; }
.lender-card__cta {
  display: inline-flex;
  align-items: center;
  gap: .5rem;
  font-size: .85rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .08em;
  color: var(--teal-700);
  margin-top: auto;
  transition: gap .15s ease, color .15s ease;
}
.lender-card__cta:hover {
  color: var(--teal-800);
  gap: .75rem;
  text-decoration: none;
}
.lender-card__cta i { font-size: .78rem; }

@media (max-width: 960px) {
  .lenders__grid { grid-template-columns: 1fr; }
  .lender-card__meta > div { grid-template-columns: 70px 1fr; }
}

/* ---------- Narrative list (SEO article bullets) ---------- */
.narrative-list {
  margin: 1rem 0 0;
  padding: 0;
  display: grid;
  gap: .6rem;
}
.narrative-list li {
  position: relative;
  padding: .15rem 0 .15rem 1.75rem;
  color: var(--ink-700);
  line-height: 1.65;
  font-size: 1rem;
}
.narrative-list li::before {
  content: "\f00c";
  font-family: "Font Awesome 6 Free";
  font-weight: 900;
  position: absolute;
  left: 0;
  top: .4rem;
  color: var(--teal-600);
  font-size: .85rem;
  width: 20px;
  height: 20px;
  display: inline-grid;
  place-items: center;
  background: var(--teal-50);
  border-radius: var(--r-full);
}

/* ---------- External links grid (links.html) ---------- */
.links-grid-section { padding: var(--sp-section) 0; background: var(--paper); }
.links-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 1.5rem;
}
.link-card {
  display: flex;
  flex-direction: column;
  gap: .75rem;
  padding: 2rem;
  background: var(--paper);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  transition: border-color .15s ease, transform .15s ease, box-shadow .15s ease;
}
.link-card:hover {
  border-color: var(--teal-600);
  transform: translateY(-3px);
  box-shadow: var(--sh-md, 0 4px 14px rgba(10,20,14,.06));
}
.link-card__icon {
  width: 52px; height: 52px;
  display: grid;
  place-items: center;
  background: var(--teal-50);
  color: var(--teal-700);
  border-radius: var(--r-md);
  font-size: 1.35rem;
  margin-bottom: .25rem;
}
.link-card h3 {
  font-size: 1.15rem;
  color: var(--green-900);
  margin: 0;
  line-height: 1.3;
}
.link-card p {
  font-size: .94rem;
  line-height: 1.6;
  color: var(--ink-700);
  margin: 0;
  flex: 1;
}
.link-card__cta {
  display: inline-flex;
  align-items: center;
  gap: .5rem;
  font-size: .9rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .08em;
  color: var(--teal-700);
  margin-top: .5rem;
  transition: gap .15s ease, color .15s ease;
}
.link-card__cta:hover {
  color: var(--teal-800);
  gap: .75rem;
  text-decoration: none;
}
.link-card__cta i { font-size: .82rem; }

@media (max-width: 720px) { .links-grid { grid-template-columns: 1fr; } }

/* ---------- Contact channels grid (contact.html) ---------- */
.contact-grid { padding: var(--sp-section) 0; background: var(--paper); }
.contact-grid__list {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 1.25rem;
}
.contact-card {
  padding: 2rem 1.75rem;
  background: var(--paper);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  transition: border-color .15s ease, transform .15s ease, box-shadow .15s ease;
}
.contact-card:hover {
  border-color: var(--teal-600);
  transform: translateY(-2px);
  box-shadow: var(--sh-md, 0 4px 14px rgba(10,20,14,.06));
}
.contact-card__icon {
  width: 48px; height: 48px;
  display: grid;
  place-items: center;
  background: var(--teal-50);
  color: var(--teal-700);
  border-radius: var(--r-md);
  font-size: 1.2rem;
  margin-bottom: 1rem;
}
.contact-card h3 {
  font-size: 1rem;
  color: var(--ink-500);
  margin: 0 0 .5rem;
  text-transform: uppercase;
  letter-spacing: .08em;
  font-weight: 700;
  font-size: .82rem;
}
.contact-card__value {
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--green-900);
  line-height: 1.35;
  margin: 0 0 .4rem;
}
.contact-card__value a { color: var(--green-900); }
.contact-card__value a:hover { color: var(--teal-700); text-decoration: none; }
.contact-card__note { font-size: .85rem; color: var(--ink-500); margin: 0; line-height: 1.5; }

/* ---------- Contact split: map + hours ---------- */
.contact-split {
  padding: var(--sp-section) 0;
  background: var(--paper-alt);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}
.contact-split__inner {
  display: grid;
  grid-template-columns: minmax(0, 1.2fr) minmax(0, 1fr);
  gap: 2.5rem;
  align-items: stretch;
}
.contact-split__map {
  border-radius: var(--r-lg);
  overflow: hidden;
  background: var(--ink-200);
  border: 1px solid var(--border);
  min-height: 360px;
}
.contact-split__map iframe {
  width: 100%;
  height: 100%;
  min-height: 360px;
  border: 0;
  display: block;
}
.contact-split__hours {
  align-self: center;
}
.contact-split__hours h2 { color: var(--green-900); margin-bottom: 1.25rem; }
.branch-address {
  font-style: normal;
  font-size: 1.05rem;
  color: var(--ink-900);
  line-height: 1.6;
  margin: 0 0 1.25rem;
}
.branch-address__note {
  display: inline-block;
  margin-top: .35rem;
  font-size: .88rem;
  color: var(--ink-500);
}

.contact-hours {
  margin: 0 0 1.25rem;
  padding: 0;
  background: var(--paper);
  border: 1px solid var(--border);
  border-radius: var(--r-md);
  padding: .5rem 1.25rem;
}
.contact-hours div {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: .65rem 0;
  border-bottom: 1px dashed var(--border);
  font-size: .95rem;
}
.contact-hours div:last-child { border-bottom: 0; }
.contact-hours dt { color: var(--ink-700); margin: 0; }
.contact-hours dd { margin: 0; color: var(--ink-900); font-weight: 600; }

.contact-split__note {
  display: flex;
  gap: .5rem;
  align-items: flex-start;
  font-size: .88rem;
  color: var(--ink-500);
  background: var(--paper);
  padding: 1rem 1.25rem;
  border-radius: var(--r-md);
  border: 1px solid var(--border);
  margin: 0;
}
.contact-split__note i { color: var(--teal-600); margin-top: .15rem; }
.contact-split__note a { white-space: nowrap; }

@media (max-width: 960px) {
  .contact-grid__list { grid-template-columns: repeat(2, 1fr); }
  .contact-split__inner { grid-template-columns: 1fr; gap: 2rem; }
}
@media (max-width: 560px) {
  .contact-grid__list { grid-template-columns: 1fr; }
}

/* ---------- Apply steps (apply.html) ---------- */
.apply-steps { padding: var(--sp-section) 0; background: var(--paper); }
.apply-steps__list {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1.5rem;
  margin: 0;
  padding: 0;
  list-style: none;
  counter-reset: apply-steps;
}
.apply-steps__list li {
  padding: 2rem 1.75rem;
  background: var(--paper);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
}
.apply-steps__num {
  display: inline-block;
  font-family: var(--font-display);
  font-size: 2rem;
  font-weight: 700;
  color: var(--teal-600);
  margin-bottom: .5rem;
  line-height: 1;
  letter-spacing: -.02em;
}
.apply-steps__list h3 {
  font-size: 1.15rem;
  color: var(--green-900);
  margin: 0 0 .5rem;
}
.apply-steps__list p {
  font-size: .95rem;
  color: var(--ink-700);
  margin: 0;
  line-height: 1.55;
}

/* ---------- Apply form (apply.html) ---------- */
.apply-form-section {
  padding: var(--sp-section) 0;
  background: var(--paper-alt);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}
.apply-form {
  background: var(--paper);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  padding: 2.5rem;
  max-width: 960px;
  margin: 0 auto;
}
.apply-form__group {
  border: 0;
  padding: 0 0 1.5rem;
  margin: 0 0 1.5rem;
  border-bottom: 1px solid var(--border);
  display: grid;
  gap: 1rem;
}
.apply-form__group:last-of-type { border-bottom: 0; margin-bottom: 1rem; padding-bottom: .5rem; }
.apply-form__group legend {
  font-size: .82rem;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--teal-700);
  padding: 0;
  margin-bottom: 1rem;
}

.apply-form__row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
.apply-form__row--3 { grid-template-columns: 2fr 1fr 1fr; }

.apply-form__field { display: flex; flex-direction: column; gap: .4rem; }
.apply-form__field > span {
  font-size: .88rem;
  font-weight: 600;
  color: var(--ink-900);
}
.req { color: var(--teal-700); font-weight: 700; }

.apply-form__field input,
.apply-form__field select,
.apply-form__field textarea {
  font-family: var(--font);
  font-size: 1rem;
  line-height: 1.4;
  padding: .75rem .9rem;
  border: 1px solid var(--border);
  border-radius: var(--r-sm);
  background: var(--paper);
  color: var(--ink-900);
  transition: border-color .15s ease, box-shadow .15s ease;
  width: 100%;
}
.apply-form__field input:focus,
.apply-form__field select:focus,
.apply-form__field textarea:focus {
  outline: none;
  border-color: var(--teal-600);
  box-shadow: 0 0 0 3px rgba(18,165,166,.15);
}
.apply-form__field textarea { resize: vertical; min-height: 96px; }
.apply-form__field select {
  appearance: none;
  background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'><path fill='none' stroke='%23286a45' stroke-width='1.5' d='M1 1l5 5 5-5'/></svg>");
  background-repeat: no-repeat;
  background-position: right .9rem center;
  padding-right: 2.25rem;
}

.apply-form__check {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: .65rem;
  align-items: start;
  font-size: .92rem;
  color: var(--ink-700);
  line-height: 1.5;
  cursor: pointer;
}
.apply-form__check input[type="checkbox"] {
  width: 18px;
  height: 18px;
  margin: .18rem 0 0;
  accent-color: var(--teal-600);
  cursor: pointer;
}
.apply-form__group--consent { gap: .75rem; }

.apply-form__checks {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: .65rem;
  padding: 1rem 1.25rem;
  background: var(--paper-alt);
  border-radius: var(--r-md);
}

/* Thank-you card shown after form submission stub */
.form-success {
  display: flex;
  gap: 1rem;
  align-items: flex-start;
  padding: 2rem;
  background: var(--paper);
  border: 1px solid var(--teal-600);
  border-radius: var(--r-lg);
  max-width: 960px;
  margin: 0 auto;
  box-shadow: var(--sh-md, 0 4px 14px rgba(10,20,14,.06));
}
.form-success > i {
  color: var(--teal-600);
  font-size: 2rem;
  flex-shrink: 0;
  margin-top: .1rem;
}
.form-success strong {
  display: block;
  color: var(--green-900);
  font-size: 1.15rem;
  margin-bottom: .4rem;
  font-weight: 700;
}
.form-success span {
  display: block;
  color: var(--ink-700);
  font-size: .98rem;
  line-height: 1.55;
}

.apply-form__actions {
  display: flex;
  flex-direction: column;
  gap: 1rem;
  align-items: flex-start;
  padding-top: 1rem;
  border-top: 1px solid var(--border);
}
.apply-form__fine { font-size: .82rem; color: var(--ink-500); margin: 0; line-height: 1.55; }

@media (max-width: 720px) {
  .apply-steps__list { grid-template-columns: 1fr; }
  .apply-form { padding: 1.5rem; }
  .apply-form__row,
  .apply-form__row--3 { grid-template-columns: 1fr; }
}

/* ---------- Compact page intro (informational pages, no hero) -------- */
.page-intro {
  padding: clamp(2rem, 4vw, 3rem) 0 clamp(1.5rem, 3vw, 2.25rem);
  background: var(--paper);
  border-bottom: 1px solid var(--border);
}
.page-intro h1 {
  color: var(--green-900);
  font-size: clamp(1.85rem, 3.4vw, 2.6rem);
  line-height: 1.15;
  margin: 0 0 .75rem;
  max-width: 24ch;
}
.page-intro__lede {
  font-size: 1.05rem;
  line-height: 1.6;
  color: var(--ink-700);
  max-width: 62ch;
  margin: 0;
}
.page-intro .breadcrumbs ol { margin-bottom: .75rem; }

/* Article byline (SEO pages) */
.byline {
  display: inline-flex;
  align-items: center;
  gap: .55rem;
  margin: 1.5rem 0 .9rem;
  padding: .5rem .9rem;
  background: var(--paper-alt);
  border: 1px solid var(--border);
  border-radius: var(--r-full);
  font-size: .85rem;
  color: var(--ink-700);
  line-height: 1.4;
  flex-wrap: wrap;
}
.byline i { color: var(--teal-700); font-size: .9em; }
.byline strong { color: var(--ink-900); font-weight: 600; }

/* Editorial note / disclosure box under byline on SEO pages */
.editorial-note {
  display: block;
  margin: 1rem 0 0;
  padding: .85rem 1.1rem;
  background: rgba(18,165,166,.06);
  border: 1px solid var(--teal-100);
  border-left: 3px solid var(--teal-600);
  border-radius: var(--r-sm);
  font-size: .85rem;
  line-height: 1.6;
  color: var(--ink-700);
  max-width: 70ch;
}
.editorial-note i {
  color: var(--teal-700);
  margin-right: .4rem;
}

/* Sources list (SEO pages) */
.sources {
  padding: var(--sp-section) 0;
  background: var(--paper-alt);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}
.sources__list {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: .85rem;
  max-width: 1000px;
}
.sources__list li {
  padding: 0;
  background: var(--paper);
  border: 1px solid var(--border);
  border-radius: var(--r-md);
  transition: border-color .15s ease, transform .15s ease, box-shadow .15s ease;
}
.sources__list li:hover {
  border-color: var(--teal-600);
  transform: translateY(-2px);
  box-shadow: var(--sh-md, 0 4px 14px rgba(10,20,14,.06));
}
.sources__list a {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: .85rem;
  padding: 1rem 1.25rem;
  color: var(--ink-800);
  font-size: .94rem;
  font-weight: 500;
  line-height: 1.4;
}
.sources__list a::before {
  content: "\f02d";
  font-family: "Font Awesome 6 Free";
  font-weight: 900;
  font-size: 1rem;
  color: var(--teal-600);
  flex-shrink: 0;
}
.sources__list a::after {
  content: "\f35d";
  font-family: "Font Awesome 6 Free";
  font-weight: 900;
  font-size: .82em;
  color: var(--ink-500);
  margin-left: auto;
  flex-shrink: 0;
}
.sources__list a:hover {
  color: var(--green-900);
  text-decoration: none;
}
.sources__list a:hover::after { color: var(--teal-700); }

/* ---------- Employer grid (about.html field of membership) ---------- */
.employer-grid { padding: var(--sp-section) 0; background: var(--paper); }
.employer-grid__list {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: .75rem;
  max-width: 1020px;
  margin: 0 auto;
}
.employer-grid__list li {
  display: flex;
  align-items: center;
  gap: .85rem;
  padding: 1rem 1.25rem;
  background: var(--paper);
  border: 1px solid var(--border);
  border-radius: var(--r-sm);
  font-size: .95rem;
  color: var(--ink-800);
  font-weight: 500;
  transition: border-color .15s ease, background-color .15s ease;
}
.employer-grid__list li:hover {
  border-color: var(--teal-600);
  background: var(--teal-50);
}
.employer-grid__list i {
  width: 30px; height: 30px;
  display: grid;
  place-items: center;
  background: var(--teal-50);
  color: var(--teal-700);
  border-radius: var(--r-full);
  font-size: .88rem;
  flex-shrink: 0;
}

/* ---------- Leadership (about.html board & staff) ---------- */
.leadership { padding: var(--sp-section) 0; background: var(--paper-alt); }
.leadership__grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1.5rem;
}
.leadership__col {
  background: var(--paper);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  padding: 1.75rem;
}
.leadership__head {
  display: flex;
  align-items: center;
  gap: .85rem;
  margin: 0 0 1.25rem;
  padding-bottom: 1rem;
  border-bottom: 1px solid var(--border);
}
.leadership__head h3 { margin: 0; color: var(--green-900); font-size: 1.15rem; }
.leadership__icon {
  width: 40px; height: 40px;
  display: grid;
  place-items: center;
  background: var(--teal-50);
  color: var(--teal-700);
  border-radius: var(--r-full);
  font-size: 1rem;
}
.leadership__list { display: grid; gap: .25rem; }
.leadership__list li {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  gap: 1rem;
  padding: .55rem 0;
  border-bottom: 1px dashed var(--border);
}
.leadership__list li:last-child { border-bottom: 0; }
.leadership__list strong { color: var(--ink-900); font-weight: 600; font-size: .98rem; }
.leadership__list span { color: var(--ink-500); font-size: .85rem; }

@media (max-width: 900px) {
  .employer-grid__list { grid-template-columns: repeat(2, 1fr); }
  .leadership__grid { grid-template-columns: 1fr; }
}
@media (max-width: 560px) {
  .employer-grid__list { grid-template-columns: 1fr; }
}

/* ---------- Loan FAQ ---------- */
.loan-faq { padding: var(--sp-section) 0; background: var(--paper-alt); }
.loan-faq .section-header {
  max-width: 860px;
  margin-left: auto;
  margin-right: auto;
  text-align: center;
}
.loan-faq .section-header .eyebrow { justify-content: center; display: inline-flex; }
.loan-faq__list {
  display: grid;
  gap: .75rem;
  max-width: 860px;
  margin: 0 auto;
}
.loan-faq details {
  border: 1px solid var(--border);
  border-radius: var(--r-md);
  background: var(--paper);
  transition: border-color .15s ease;
}
.loan-faq details[open] { border-color: var(--teal-600); }
.loan-faq summary {
  list-style: none;
  cursor: pointer;
  padding: 1.25rem 1.5rem;
  font-weight: 600;
  font-size: 1.02rem;
  color: var(--ink-900);
  display: flex;
  align-items: center;
  gap: .75rem;
  user-select: none;
}
.loan-faq summary::-webkit-details-marker { display: none; }
.loan-faq summary::after {
  content: "\f107";
  font-family: "Font Awesome 6 Free";
  font-weight: 900;
  margin-left: auto;
  color: var(--teal-700);
  transition: transform .2s ease;
  font-size: .95rem;
}
.loan-faq details[open] summary::after { transform: rotate(180deg); }
.loan-faq details p {
  padding: 0 1.5rem 1.25rem;
  margin: 0;
  color: var(--ink-700);
  line-height: 1.65;
}

/* ---------- Responsive overrides for loans page ---------- */
@media (max-width: 960px) {
  .seo-cards__grid { grid-template-columns: repeat(2, 1fr); }
  .community--reverse .community__visual { order: 0; }
}
@media (max-width: 560px) {
  .seo-cards__grid { grid-template-columns: 1fr; }
  .hero--page { min-height: 0; }
}

/* ---------- Welcome / narrative ---------- */
.welcome {
  padding: var(--sp-section) 0;
  background: var(--paper);
  border-bottom: 1px solid var(--border);
}
.welcome__inner {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 1.6fr);
  gap: 4rem;
  align-items: start;
}
.welcome__intro { position: sticky; top: 120px; }
.welcome__intro h2 {
  color: var(--ink-900);
  margin: 0;
  line-height: 1.1;
}
.welcome__body {
  font-size: 1.05rem;
  line-height: 1.7;
  color: var(--ink-700);
}
.welcome__body p { margin: 0 0 1.1rem; }
.welcome__body p:last-child { margin-bottom: 0; }
.welcome__body a {
  color: var(--teal-700);
  font-weight: 600;
  border-bottom: 1px solid var(--teal-600);
  transition: color .15s ease, border-color .15s ease, background-color .15s ease;
  padding-bottom: 1px;
}
.welcome__body a:hover {
  color: var(--teal-800);
  border-bottom-color: var(--teal-800);
  text-decoration: none;
  background: var(--teal-50);
}
.welcome__body strong { color: var(--ink-900); font-weight: 600; }
.welcome__body a strong { color: inherit; }

/* ---------- Partners (trusted matching services) ---------- */
.partners {
  padding: calc(var(--sp-section) * .75) 0;
  background: var(--paper-alt);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}
.partners__inner {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 1.6fr);
  gap: 4rem;
  align-items: start;
}
.partners__intro h2 {
  color: var(--ink-900);
  margin: 0;
  font-size: clamp(1.5rem, 2.2vw, 1.85rem);
}
.partners__intro .eyebrow { color: var(--teal-700); }

.partners__body {
  font-size: 1rem;
  line-height: 1.75;
  color: var(--ink-700);
}
.partners__body p { margin: 0; }

.partners__body a {
  color: var(--teal-700);
  border-bottom: 1px solid var(--teal-600);
  transition: color .15s ease, border-color .15s ease, background-color .15s ease;
}
.partners__body a:hover {
  color: var(--teal-800);
  border-bottom-color: var(--teal-800);
  text-decoration: none;
  background: var(--teal-50);
}
.partners__body a strong { color: inherit; font-weight: 600; }

@media (max-width: 900px) {
  .partners__inner { grid-template-columns: 1fr; gap: 1.5rem; }
}
.welcome__closing {
  padding-top: 1rem;
  border-top: 1px solid var(--border);
  color: var(--ink-900);
  font-weight: 500;
}

@media (max-width: 900px) {
  .welcome__inner { grid-template-columns: 1fr; gap: 2rem; }
  .welcome__intro { position: static; }
}

/* ---------- Quick links ---------- */
.quick-links {
  padding: var(--sp-section) 0;
  background: var(--paper);
}

.quick-links__grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 1rem;
  margin-top: 1rem;
}
.quick-links__grid a {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 1rem;
  padding: 2rem 1rem;
  background: var(--paper);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  color: var(--ink-800);
  font-weight: 600;
  font-size: 1rem;
  text-align: center;
  transition: border-color .2s ease, transform .2s ease, box-shadow .2s ease;
}
.quick-links__grid a:hover {
  border-color: var(--teal-600);
  box-shadow: var(--sh-md);
  transform: translateY(-3px);
  text-decoration: none;
  color: var(--green-900);
}

.ql-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 56px;
  height: 56px;
  border-radius: var(--r-full);
  background: var(--teal-50);
  color: var(--teal-700);
  font-size: 1.5rem;
  transition: background-color .2s ease, color .2s ease;
}
.quick-links__grid a:hover .ql-icon {
  background: var(--teal-600);
  color: #fff;
}

/* ---------- Products ---------- */
.products {
  padding: var(--sp-section) 0;
  background: var(--paper-alt);
}

.products__grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 1.5rem;
}

.product-card {
  display: flex;
  flex-direction: column;
  background: var(--paper);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  overflow: hidden;
  transition: border-color .2s ease, transform .2s ease, box-shadow .2s ease;
}
.product-card:hover {
  border-color: var(--teal-600);
  transform: translateY(-4px);
  box-shadow: var(--sh-md);
}

.product-card__media {
  background: var(--green-50);
  aspect-ratio: 4 / 3;
  overflow: hidden;
  border-bottom: 1px solid var(--border);
}
.product-card__media img {
  width: 100%; height: 100%;
  object-fit: cover;
  object-position: center;
  mix-blend-mode: multiply;
  transition: transform .4s ease;
}
.product-card:hover .product-card__media img { transform: scale(1.03); }

.product-card__body {
  display: flex;
  flex-direction: column;
  padding: 1.75rem;
  flex: 1;
}
.product-card__body h3 {
  color: var(--ink-900);
  margin-bottom: .5rem;
  font-size: 1.35rem;
  font-weight: 700;
  letter-spacing: -.02em;
}
.product-card__body > p {
  color: var(--ink-700);
  margin-bottom: 1.25rem;
  line-height: 1.55;
}
.product-card__features {
  margin: 0 0 1.5rem;
  padding: 0;
  flex: 1;
}
.product-card__features li {
  padding: .35rem 0 .35rem 1.6rem;
  position: relative;
  font-size: .94rem;
  color: var(--ink-700);
}
.product-card__features li::before {
  content: "\f058";
  font-family: "Font Awesome 6 Free";
  font-weight: 900;
  color: var(--teal-600);
  position: absolute;
  left: 0;
  font-size: 1rem;
  top: .4rem;
}

/* ---------- Rates ---------- */
.rates {
  padding: var(--sp-section) 0;
  background: var(--paper);
}

.rates__grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 1rem;
  margin-bottom: 2rem;
}

.rate-cell {
  background: var(--paper);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  padding: 1.5rem 1.5rem 1.25rem;
  transition: border-color .2s ease, transform .2s ease;
}
.rate-cell:hover { border-color: var(--teal-600); transform: translateY(-2px); }

.rate-cell--highlight {
  background: var(--green-900);
  border-color: var(--green-900);
  color: #fff;
}
.rate-cell__label {
  font-size: .78rem;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--ink-500);
  margin: 0 0 .75rem;
  display: flex;
  align-items: center;
  gap: .45rem;
}
.rate-cell__label i { color: var(--teal-600); font-size: .95rem; }
.rate-cell--highlight .rate-cell__label { color: rgba(255,255,255,.7); }
.rate-cell--highlight .rate-cell__label i { color: var(--teal-500); }

.rate-cell__value {
  font-family: var(--font-display);
  font-size: 2.6rem;
  font-weight: 700;
  color: var(--ink-900);
  margin: 0 0 .35rem;
  line-height: 1;
  letter-spacing: -.03em;
}
.rate-cell__value span {
  font-size: .95rem;
  font-weight: 600;
  color: var(--ink-500);
  margin-left: .3rem;
  letter-spacing: 0;
}
.rate-cell--highlight .rate-cell__value,
.rate-cell--highlight .rate-cell__value span { color: #fff; }
.rate-cell--highlight .rate-cell__value span { color: var(--teal-500); }

.rate-cell__note { margin: 0; font-size: .86rem; color: var(--ink-500); }
.rate-cell--highlight .rate-cell__note { color: rgba(255,255,255,.7); }

.rates__disclosure {
  font-size: .82rem; color: var(--ink-500);
  margin: 1.5rem 0 0; line-height: 1.55; max-width: 900px;
}

/* ---------- Community (split, TTCU-style) ---------- */
.community {
  padding: var(--sp-section) 0;
  background: var(--paper-alt);
}
.community__inner {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
  gap: 4rem;
  align-items: center;
}
.community h2 { color: var(--ink-900); }
.community__lede {
  font-size: 1.08rem;
  color: var(--ink-700);
  margin-bottom: 1.75rem;
  line-height: 1.55;
}
.community__facts { margin: 0 0 2rem; display: grid; gap: .85rem; }
.community__facts li {
  display: grid;
  grid-template-columns: 28px 1fr;
  gap: .85rem;
  align-items: start;
  padding: 0;
  color: var(--ink-700);
}
.community__facts li i {
  width: 28px; height: 28px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: var(--teal-100);
  color: var(--teal-700);
  border-radius: var(--r-full);
  font-size: .85rem;
  flex-shrink: 0;
  margin-top: .15rem;
}
.community__facts strong { color: var(--ink-900); display: inline; margin-right: .25rem; }

.community__visual { margin: 0; }
.community__visual picture {
  display: block;
  background: var(--green-50);
  border-radius: var(--r-xl);
  overflow: hidden;
  aspect-ratio: 4 / 3;
}
.community__visual img {
  width: 100%; height: 100%;
  display: block;
  object-fit: cover;
  mix-blend-mode: multiply;
}
.community__visual figcaption {
  margin-top: 1rem;
  padding: 0 .5rem;
  font-size: .88rem;
  color: var(--ink-500);
  font-style: italic;
}
.community__visual figcaption i { color: var(--teal-600); margin-right: .4rem; }

/* ---------- Testimonials ---------- */
.testimonials {
  padding: var(--sp-section) 0;
  background: var(--paper);
}
.testimonials__grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 1.5rem;
}
.testimonial {
  background: var(--paper);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  padding: 2rem;
  display: flex;
  flex-direction: column;
  gap: 1rem;
  transition: border-color .2s ease, transform .2s ease, box-shadow .2s ease;
}
.testimonial:hover { border-color: var(--teal-600); transform: translateY(-3px); box-shadow: var(--sh-md); }

.testimonial__stars {
  color: #f5a524;
  font-size: .95rem;
  letter-spacing: .1rem;
}

.testimonial blockquote {
  margin: 0;
  font-size: 1.05rem;
  line-height: 1.55;
  color: var(--ink-800);
  flex: 1;
}

.testimonial__meta {
  display: flex;
  align-items: center;
  gap: .85rem;
  margin-top: auto;
  padding-top: 1rem;
  border-top: 1px solid var(--border);
}
.testimonial__avatar {
  width: 42px; height: 42px;
  flex-shrink: 0;
  background: var(--green-800);
  color: #fff;
  display: grid;
  place-items: center;
  border-radius: var(--r-full);
  font-size: .95rem;
  line-height: 1;
  padding: 0;
}
.testimonial__avatar > i {
  display: block;
  line-height: 1;
}
.testimonial__meta strong { display: block; color: var(--ink-900); font-weight: 600; }
.testimonial__meta span  { display: block; font-size: .82rem; color: var(--ink-500); }

/* ---------- Digital banking ---------- */
.digital {
  padding: var(--sp-section) 0;
  background: var(--paper-alt);
}
.digital__inner {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
  gap: 4rem;
  align-items: center;
}
.digital__visual { margin: 0; }
.digital__visual picture {
  display: block;
  background: var(--green-50);
  border-radius: var(--r-xl);
  overflow: hidden;
  aspect-ratio: 1 / 1;
  max-width: 480px;
  margin: 0 auto;
}
.digital__visual img {
  width: 100%; height: 100%;
  display: block;
  object-fit: cover;
  mix-blend-mode: multiply;
}

.digital__copy h2 { color: var(--ink-900); }
.digital__features { margin: 0 0 2rem; display: grid; gap: .5rem; }
.digital__features li {
  padding: .3rem 0;
  color: var(--ink-700);
  display: flex; gap: .65rem; align-items: center;
  font-size: .98rem;
}
.digital__features li i {
  width: 22px; height: 22px;
  background: var(--teal-100);
  color: var(--teal-700);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: var(--r-full);
  font-size: .72rem;
  flex-shrink: 0;
}

.digital__stores { display: flex; gap: .75rem; flex-wrap: wrap; }
.store-badge {
  display: inline-flex;
  align-items: center;
  gap: .75rem;
  padding: .75rem 1.25rem;
  background: var(--ink-900);
  color: #fff;
  border-radius: var(--r-md);
  transition: background-color .15s ease;
}
.store-badge:hover { background: #000; text-decoration: none; color: #fff; }
.store-badge i { font-size: 1.6rem; }
.store-badge span { display: flex; flex-direction: column; line-height: 1.1; }
.store-badge small { font-size: .68rem; opacity: .75; letter-spacing: .04em; }
.store-badge strong { font-size: .95rem; font-weight: 600; }

/* ---------- Locations ---------- */
.locations {
  padding: var(--sp-section) 0;
  background: var(--paper);
}
.locations__grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
  gap: 1.5rem;
}
.location-card {
  background: var(--paper);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  padding: 2rem;
  transition: border-color .2s ease;
}
.location-card:hover { border-color: var(--teal-600); }

.location-card__header {
  display: flex; align-items: center; justify-content: space-between;
  margin-bottom: 1rem; gap: 1rem;
}
.location-card__header h3 { color: var(--ink-900); margin: 0; }
.location-card__badge {
  display: inline-block;
  padding: .25rem .75rem;
  background: var(--teal-100);
  color: var(--teal-800);
  border-radius: var(--r-full);
  font-size: .74rem;
  font-weight: 700;
  letter-spacing: .06em;
  text-transform: uppercase;
}

.location-card__address {
  font-size: 1rem;
  color: var(--ink-800);
  margin-bottom: 1.25rem;
  display: flex;
  gap: .65rem;
  align-items: flex-start;
}
.location-card__address i { color: var(--teal-600); margin-top: .25rem; }

.location-card__hours { margin: 0 0 1.25rem; padding: 0; }
.location-card__hours div {
  display: flex; justify-content: space-between;
  padding: .5rem 0;
  border-bottom: 1px solid var(--border);
  font-size: .95rem;
}
.location-card__hours div:last-child { border-bottom: 0; }
.location-card__hours dt { color: var(--ink-700); margin: 0; }
.location-card__hours dd { margin: 0; color: var(--ink-900); font-weight: 600; }

.location-card__phone p {
  color: var(--ink-700); margin: 0 0 .35rem;
  display: flex; gap: .5rem; align-items: center;
}
.location-card__phone i { color: var(--teal-600); }

.location-card--contact {
  background: var(--green-900);
  color: #fff;
  border-color: var(--green-900);
}
.location-card--contact h3 { color: #fff; }
.location-card--contact p { color: rgba(255,255,255,.75); }
.location-card--contact .btn { margin: 1rem 0; }
.location-card--contact a { color: #fff; }
.location-card__note {
  display: flex; gap: .5rem; align-items: flex-start;
  font-size: .85rem;
  color: rgba(255,255,255,.6);
  margin: 1rem 0 0;
}
.location-card__note i { color: var(--teal-500); margin-top: .15rem; }
.location-card__note a { white-space: nowrap; }

/* ---------- Final CTA ---------- */
.join-cta {
  position: relative;
  background: var(--green-900);
  color: #fff;
  padding: var(--sp-section) 0;
  text-align: center;
  overflow: hidden;
  isolation: isolate;
}
.join-cta::before {
  content: "";
  position: absolute;
  inset: 0;
  z-index: -1;
  background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='160' height='160' viewBox='0 0 160 160'><g fill='none' stroke='rgba(255,255,255,0.09)' stroke-width='1.2' stroke-linejoin='round'><path d='M40 28 L30 46 H34 L22 64 H28 L14 82 H66 L52 64 H58 L46 46 H50 Z'/><path d='M44 84 H36 V90' stroke='rgba(255,255,255,0.07)'/><path d='M120 100 L110 118 H114 L102 136 H108 L94 154 H146 L132 136 H138 L126 118 H130 Z'/><path d='M124 156 H116 V162' stroke='rgba(255,255,255,0.07)'/></g></svg>");
  background-repeat: repeat;
  background-size: 160px 160px;
  opacity: 1;
  pointer-events: none;
}
.join-cta > .container { position: relative; z-index: 1; }
.join-cta__inner { max-width: 720px; margin: 0 auto; }
.join-cta h2 { color: #fff; margin-bottom: 1rem; }
.join-cta p  { color: rgba(255,255,255,.78); font-size: 1.1rem; margin-bottom: 2rem; }
.join-cta__buttons { display: flex; gap: .75rem; justify-content: center; flex-wrap: wrap; }

/* ---------- Footer ---------- */
.site-footer {
  background: var(--ink-900);
  color: #a7b5ac;
  padding: 4rem 0 1.5rem;
  font-size: .92rem;
}
.site-footer a { color: #a7b5ac; }
.site-footer a:hover { color: #fff; text-decoration: none; }

.site-footer__top {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 2.5rem;
  padding-bottom: 2rem;
  border-bottom: 1px solid rgba(255,255,255,.08);
}

.site-footer__brand .brand { color: #fff; margin-bottom: 1.25rem; }
.site-footer__brand .brand__name { color: #fff; }
.site-footer__brand .brand__tag { color: rgba(255,255,255,.5); }
.site-footer__brand address { font-style: normal; line-height: 1.7; margin-bottom: .75rem; }
.site-footer__routing { font-size: .82rem; color: rgba(255,255,255,.5); margin: 0 0 1.25rem; }

.site-footer__social { display: flex; gap: .5rem; }
.site-footer__social a {
  width: 36px; height: 36px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: rgba(255,255,255,.06);
  border-radius: var(--r-full);
  color: #fff;
  transition: background-color .15s ease;
}
.site-footer__social a:hover { background: var(--teal-600); }

.site-footer__col h3 {
  font-family: var(--font-sans);
  font-size: .78rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .12em;
  color: #fff;
  margin-bottom: 1rem;
}
.site-footer__col ul li { padding: .3rem 0; }

.site-footer__bottom { padding-top: 1.5rem; }

/* ---------- Site disclaimer ---------- */
.site-disclaimer {
  margin-bottom: 1.75rem;
  padding: 1.5rem 0;
}
.site-disclaimer__heading {
  display: flex; align-items: center; gap: .75rem;
  color: #fff;
  font-size: .98rem;
  font-weight: 600;
  margin: 0 0 1.25rem;
  padding-bottom: 1rem;
  border-bottom: 1px solid rgba(255,255,255,.06);
  letter-spacing: -.01em;
}
.site-disclaimer__heading i { color: var(--teal-500); font-size: 1.05rem; }

.site-disclaimer__body {
  font-size: .78rem;
  line-height: 1.65;
  color: #8e9a94;
}
.site-disclaimer__body h3 {
  font-family: var(--font-sans);
  font-size: .78rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .1em;
  color: #fff;
  margin: 1.5rem 0 .5rem;
}
.site-disclaimer__body h3:first-of-type { margin-top: 0; }
.site-disclaimer__body p { margin: 0 0 .75rem; color: #8e9a94; }
.site-disclaimer__body strong { color: #c9d4cd; }
.site-disclaimer__tail {
  margin-top: 1.25rem !important;
  padding-top: 1rem;
  border-top: 1px dashed rgba(255,255,255,.08);
  font-size: .74rem;
  color: rgba(255,255,255,.4) !important;
}

/* Compliance plaques */
.site-footer__compliance {
  padding: 1.5rem 0;
  border-bottom: 1px solid rgba(255,255,255,.08);
  margin-bottom: 1.5rem;
}
.compliance-plaques {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1.5rem;
}
.plaque {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 1rem;
  align-items: center;
  padding: 1rem 0;
}
.plaque svg { flex-shrink: 0; }
.plaque__text { display: flex; flex-direction: column; gap: .2rem; }
.plaque__text strong {
  color: #fff;
  font-size: .9rem;
  font-weight: 600;
  letter-spacing: -.005em;
}
.plaque__text span { font-size: .78rem; color: rgba(255,255,255,.55); line-height: 1.45; }

.site-footer__legal ul {
  display: flex; flex-wrap: wrap;
  gap: 1.25rem;
  font-size: .84rem;
  margin-bottom: .75rem;
}
.site-footer__legal p { margin: 0; font-size: .8rem; color: rgba(255,255,255,.35); }

/* ---------- Responsive ---------- */
@media (max-width: 1024px) {
  .hero__inner,
  .community__inner,
  .community--reverse .community__inner,
  .digital__inner {
    grid-template-columns: 1fr;
    gap: 3rem;
  }
  .community--reverse .community__visual { order: 0; }
  .hero__media, .community__visual picture, .digital__visual picture {
    max-width: 640px; margin-left: auto; margin-right: auto;
  }
  .stats-bar__inner { grid-template-columns: repeat(2, 1fr); }
  .stat-pill { border-right: 0; border-bottom: 1px solid rgba(255,255,255,.08); padding: 1rem 1.5rem; }
  .stat-pill:nth-child(n+3) { border-bottom: 0; }
}

@media (max-width: 960px) {
  .site-footer__top { grid-template-columns: 1fr 1fr; gap: 2rem; }
  .compliance-plaques { grid-template-columns: 1fr; }
  .quick-links__grid { grid-template-columns: repeat(3, 1fr); }
}

@media (max-width: 820px) {
  .primary-nav {
    position: absolute; top: 100%; left: 0; right: 0;
    background: var(--paper);
    border-top: 1px solid var(--border);
    border-bottom: 1px solid var(--border);
    display: none;
    padding: 1rem 1.5rem;
  }
  .primary-nav.is-open { display: block; }
  .primary-nav ul { flex-direction: column; gap: 0; }
  .primary-nav a { padding: .85rem 0; border-bottom: 1px solid var(--border); display: block; }
  .primary-nav li:last-child a { border-bottom: 0; }

  .header-cta { display: none; }
  .nav-toggle { display: block; }
  .site-header__inner { min-height: 68px; }

  .utility-bar__info li:nth-child(3) { display: none; }
  .section-header--split { flex-direction: column; align-items: flex-start; }
}

@media (max-width: 640px) {
  .quick-links__grid { grid-template-columns: repeat(2, 1fr); }
  .stats-bar__inner { grid-template-columns: 1fr; }
  .stat-pill { border-bottom: 1px solid rgba(255,255,255,.08) !important; }
  .stat-pill:last-child { border-bottom: 0 !important; }

  .site-footer__top { grid-template-columns: 1fr; }

  .utility-bar { font-size: .78rem; }
  .utility-bar__inner {
    justify-content: center;
    gap: .5rem .9rem;
    min-height: 0;
    padding-top: .4rem;
    padding-bottom: .4rem;
  }
  .utility-bar__info { display: none; }
  .utility-bar__links { gap: .9rem; flex-wrap: wrap; justify-content: center; }
  .utility-bar__links li { padding: 0; }

  h1 { font-size: 2.25rem; }
  h2 { font-size: 1.75rem; }
}

@media (max-width: 480px) {
  .hero__media { display: none; }
  .hero__inner {
    grid-template-columns: 1fr;
    gap: 0;
    padding-top: 2.25rem;
    padding-bottom: 2.25rem;
  }
  .hero h1 { font-size: 2rem; }
  .hero__lede { font-size: 1.05rem; margin-bottom: 1.5rem; }
  .hero__ctas .btn { flex: 1 1 auto; }
}

@media (prefers-reduced-motion: reduce) {
  * { transition: none !important; scroll-behavior: auto !important; }
}