@import url('https://fonts.googleapis.com/css2?family=Plus+Jakarta+Sans:wght@400;500;600;700;800&family=DM+Serif+Display&display=swap');

:root {
  --blue: #0a3d7c;
  --blue-mid: #1a5fb4;
  --blue-light: #e8f1fc;
  --red: #e63329;
  --red-light: #fdecea;
  --gold: #f5a623;
  --dark: #0d1b2a;
  --gray: #5a6a7a;
  --gray-light: #f4f6f9;
  --white: #ffffff;
  --radius: 14px;
  --shadow: 0 4px 24px rgba(10,61,124,0.10);
  --shadow-lg: 0 8px 48px rgba(10,61,124,0.16);
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; }

body {
  font-family: 'Plus Jakarta Sans', sans-serif;
  color: var(--dark);
  background: var(--white);
  line-height: 1.7;
  font-size: 16px;
}

a { color: inherit; text-decoration: none; }

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

.container { width: 92%; max-width: 1200px; margin: 0 auto; }

/* ── NAV ── */
nav {
  background: var(--blue);
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: 0 2px 12px rgba(0,0,0,0.18);
}
.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0.9rem 0;
}
.nav-logo {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  color: var(--white);
  font-size: 1.35rem;
  font-weight: 800;
  letter-spacing: -0.5px;
}
.nav-logo .logo-badge {
  background: var(--red);
  color: white;
  font-size: 0.8rem;
  font-weight: 700;
  padding: 2px 8px;
  border-radius: 6px;
  letter-spacing: 0.5px;
}
.nav-links {
  display: flex;
  gap: 2rem;
  list-style: none;
}
.nav-links a {
  color: rgba(255,255,255,0.85);
  font-weight: 500;
  font-size: 0.95rem;
  transition: color 0.2s;
}
.nav-links a:hover, .nav-links a.active { color: var(--white); }
.nav-links a.active { border-bottom: 2px solid var(--gold); padding-bottom: 2px; }
.nav-cta {
  background: var(--red);
  color: white !important;
  padding: 0.55rem 1.2rem;
  border-radius: 8px;
  font-weight: 600 !important;
  transition: background 0.2s, transform 0.2s !important;
}
.nav-cta:hover { background: #c4261d !important; transform: translateY(-1px); }

/* ── BUTTONS ── */
.btn {
  display: inline-block;
  padding: 0.75rem 1.8rem;
  border-radius: 10px;
  font-weight: 700;
  font-size: 0.95rem;
  cursor: pointer;
  border: none;
  transition: all 0.2s;
  text-align: center;
}
.btn-primary { background: var(--blue); color: white; }
.btn-primary:hover { background: var(--blue-mid); transform: translateY(-2px); box-shadow: var(--shadow); }
.btn-red { background: var(--red); color: white; }
.btn-red:hover { background: #c4261d; transform: translateY(-2px); box-shadow: var(--shadow); }
.btn-outline { background: transparent; color: var(--blue); border: 2px solid var(--blue); }
.btn-outline:hover { background: var(--blue); color: white; }
.btn-white { background: white; color: var(--blue); }
.btn-white:hover { background: var(--blue-light); }

/* ── SECTION TITLES ── */
.section-tag {
  display: inline-block;
  background: var(--blue-light);
  color: var(--blue);
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  padding: 5px 14px;
  border-radius: 20px;
  margin-bottom: 1rem;
}
.section-title {
  font-family: 'DM Serif Display', serif;
  font-size: clamp(1.8rem, 3vw, 2.8rem);
  line-height: 1.25;
  color: var(--dark);
  margin-bottom: 1rem;
}
.section-title span { color: var(--blue); }
.section-sub {
  color: var(--gray);
  font-size: 1.05rem;
  max-width: 600px;
  margin-bottom: 2.5rem;
}

/* ── CARDS ── */
.card {
  background: white;
  border-radius: var(--radius);
  padding: 2rem;
  box-shadow: var(--shadow);
  transition: transform 0.25s, box-shadow 0.25s;
}
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }

/* ── FOOTER ── */
footer {
  background: var(--dark);
  color: rgba(255,255,255,0.75);
  padding: 4rem 0 2rem;
  margin-top: 5rem;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 3rem;
  margin-bottom: 3rem;
}
.footer-brand .logo { color: white; font-size: 1.3rem; font-weight: 800; }
.footer-brand p { font-size: 0.9rem; margin-top: 0.75rem; line-height: 1.6; }
.footer-col h4 { color: white; font-size: 0.9rem; font-weight: 700; text-transform: uppercase; letter-spacing: 1px; margin-bottom: 1rem; }
.footer-col ul { list-style: none; }
.footer-col ul li { margin-bottom: 0.5rem; }
.footer-col ul a { color: rgba(255,255,255,0.65); font-size: 0.9rem; transition: color 0.2s; }
.footer-col ul a:hover { color: white; }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding-top: 1.5rem;
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.85rem;
}
.footer-badges { display: flex; gap: 0.75rem; align-items: center; }
.fdic-badge {
  background: var(--gold);
  color: var(--dark);
  font-size: 0.7rem;
  font-weight: 800;
  padding: 3px 10px;
  border-radius: 5px;
  letter-spacing: 0.5px;
}

/* ── HERO ── */
.hero {
  background: linear-gradient(135deg, var(--blue) 0%, #0e2a5c 100%);
  color: white;
  padding: 6rem 0 5rem;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  top: -80px; right: -80px;
  width: 500px; height: 500px;
  background: radial-gradient(circle, rgba(245,166,35,0.18) 0%, transparent 70%);
  border-radius: 50%;
}
.hero::after {
  content: '';
  position: absolute;
  bottom: -100px; left: -60px;
  width: 400px; height: 400px;
  background: radial-gradient(circle, rgba(255,255,255,0.06) 0%, transparent 70%);
  border-radius: 50%;
}
.hero-inner { position: relative; z-index: 1; max-width: 720px; }
.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: rgba(255,255,255,0.12);
  border: 1px solid rgba(255,255,255,0.2);
  color: rgba(255,255,255,0.9);
  font-size: 0.82rem;
  font-weight: 600;
  padding: 6px 14px;
  border-radius: 20px;
  margin-bottom: 1.5rem;
  letter-spacing: 0.5px;
}
.hero h1 {
  font-family: 'DM Serif Display', serif;
  font-size: clamp(2.2rem, 5vw, 3.8rem);
  line-height: 1.18;
  margin-bottom: 1.25rem;
}
.hero h1 em { color: var(--gold); font-style: normal; }
.hero p {
  font-size: 1.1rem;
  color: rgba(255,255,255,0.82);
  max-width: 560px;
  margin-bottom: 2rem;
}
.hero-btns { display: flex; gap: 1rem; flex-wrap: wrap; }
.hero-stats {
  display: flex;
  gap: 3rem;
  margin-top: 3.5rem;
  padding-top: 2.5rem;
  border-top: 1px solid rgba(255,255,255,0.15);
}
.hero-stat .num {
  font-family: 'DM Serif Display', serif;
  font-size: 2rem;
  color: var(--gold);
  line-height: 1;
}
.hero-stat .label { font-size: 0.85rem; color: rgba(255,255,255,0.65); margin-top: 4px; }

/* ── GRID UTILITIES ── */
.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 2rem; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 2rem; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.5rem; }

section { padding: 5rem 0; }

/* ── ACCORDION / FAQ ── */
.faq-item {
  border-bottom: 1px solid #e8ecf2;
  padding: 1.25rem 0;
}
.faq-item summary {
  font-weight: 600;
  font-size: 1rem;
  cursor: pointer;
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
  color: var(--dark);
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: '+';
  font-size: 1.4rem;
  color: var(--blue);
  flex-shrink: 0;
  transition: transform 0.2s;
}
.faq-item[open] summary::after { content: '−'; }
.faq-item p { margin-top: 0.75rem; color: var(--gray); font-size: 0.97rem; }

/* ── RESPONSIVE ── */
@media (max-width: 900px) {
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .hero-stats { gap: 2rem; flex-wrap: wrap; }
  .nav-links { display: none; }
}
@media (max-width: 600px) {
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; gap: 1rem; text-align: center; }
}