/* =========================================================================
   Northwoods Bank — homepage (Easilon layout, warm/local adaptation)
   Type:  Newsreader (display serif) + Figtree (sans body)
   Color: deep navy base · refined teal-blue accent · autumn amber CTA
   ========================================================================= */

:root {
  /* paper / ink */
  --paper:      oklch(0.987 0.006 95);
  --paper-2:    oklch(0.965 0.009 92);
  --paper-3:    oklch(0.945 0.011 90);
  --card:       oklch(1 0 0);
  --ink:        oklch(0.28 0.025 252);
  --ink-soft:   oklch(0.46 0.02 252);
  --ink-faint:  oklch(0.62 0.015 252);

  /* navy family */
  --navy:       oklch(0.30 0.058 248);
  --navy-deep:  oklch(0.235 0.052 250);
  --navy-900:   oklch(0.18 0.042 252);
  --navy-700:   oklch(0.27 0.055 247);

  /* teal-blue accent */
  --teal:       oklch(0.60 0.097 222);
  --teal-bright:oklch(0.73 0.105 212);
  --teal-soft:  oklch(0.92 0.035 210);

  /* autumn amber (CTA) */
  --amber:      oklch(0.71 0.135 62);
  --amber-deep: oklch(0.63 0.135 54);
  --amber-soft: oklch(0.93 0.05 70);

  --line:       oklch(0.90 0.01 250);
  --line-2:     oklch(0.84 0.012 250);

  --maxw: 1600px;
  --gut: 40px;
  --r: 6px;
  --rl: 14px;

  --shadow-sm: 0 1px 2px oklch(0.3 0.04 250 / 0.06), 0 4px 14px oklch(0.3 0.04 250 / 0.06);
  --shadow-md: 0 6px 22px oklch(0.3 0.05 250 / 0.10), 0 24px 60px oklch(0.25 0.05 250 / 0.10);
  --shadow-lg: 0 30px 80px oklch(0.2 0.05 250 / 0.28);

  --serif: "Newsreader", Georgia, serif;
  --sans: "Figtree", system-ui, sans-serif;
}

* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--sans);
  background: var(--paper);
  color: var(--ink);
  font-size: 17px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
button { font-family: inherit; cursor: pointer; }
h1,h2,h3,h4 { margin: 0; font-family: var(--serif); font-weight: 500; letter-spacing: -0.01em; line-height: 1.08; }
p { margin: 0; }
.serif-i { font-style: italic; }

.wrap { max-width: var(--maxw); margin: 0 auto; padding: 0 var(--gut); }
.section { padding: 96px 0; }

/* eyebrow / kicker */
.kicker {
  display: inline-flex; align-items: center; gap: 10px;
  font-family: var(--sans); font-weight: 700;
  font-size: 12.5px; letter-spacing: 0.18em; text-transform: uppercase;
  color: var(--teal);
}
.kicker::before { content: ""; width: 26px; height: 2px; background: var(--amber); display: inline-block; }
.kicker.center { justify-content: center; }
.kicker.light { color: var(--teal-bright); }

.eyebrow-line { color: var(--ink-faint); }

/* buttons */
.btn {
  display: inline-flex; align-items: center; gap: 10px;
  font-family: var(--sans); font-weight: 700; font-size: 14.5px;
  letter-spacing: 0.02em;
  padding: 15px 26px; border-radius: var(--r); border: 0;
  transition: transform .18s ease, background .18s ease, box-shadow .18s ease, color .18s ease;
}
.btn svg { width: 16px; height: 16px; }
.btn-amber { background: var(--amber); color: oklch(0.22 0.04 60); box-shadow: 0 10px 24px oklch(0.6 0.13 60 / 0.30); }
.btn-amber:hover { background: var(--amber-deep); transform: translateY(-2px); color: var(--paper); }
.btn-navy { background: var(--navy); color: #fff; }
.btn-navy:hover { background: var(--navy-deep); transform: translateY(-2px); }
.btn-teal { background: var(--teal); color: #fff; }
.btn-teal:hover { background: oklch(0.54 0.097 222); transform: translateY(-2px); }
.btn-ghost { background: transparent; color: #fff; border: 1.5px solid oklch(1 0 0 / 0.35); }
.btn-ghost:hover { background: oklch(1 0 0 / 0.10); border-color: #fff; transform: translateY(-2px); }
.btn-outline { background: transparent; color: var(--navy); border: 1.5px solid var(--line-2); }
.btn-outline:hover { border-color: var(--teal); color: var(--teal); transform: translateY(-2px); }
.btn-sm { padding: 11px 18px; font-size: 13px; }
.link-arrow { display: inline-flex; align-items: center; gap: 8px; font-weight: 700; font-size: 14px; color: var(--teal); letter-spacing: 0.03em; text-transform: uppercase; }
.link-arrow svg { width: 15px; height: 15px; transition: transform .2s; }
.link-arrow:hover svg { transform: translateX(4px); }

/* =====================  TOP UTILITY BAR  ===================== */
.util {
  background: var(--navy-900); color: oklch(0.82 0.02 250);
  font-size: 13px;
}
.util .wrap { display: flex; align-items: center; justify-content: space-between; min-height: 42px; gap: 20px; }
.util .u-left { display: flex; align-items: center; gap: 10px; }
.util .fdic { font-weight: 800; letter-spacing: 0.04em; color: #fff; border: 1.5px solid oklch(1 0 0 / 0.4); padding: 1px 6px; border-radius: 3px; font-size: 11px; }
.util .u-right { display: flex; align-items: center; gap: 22px; }
.util .u-weather { display: flex; align-items: center; gap: 8px; }
.util .u-weather .sun { width: 16px; height: 16px; color: var(--amber); }
.util a:hover { color: #fff; }
.util .u-search { display: flex; align-items: center; gap: 7px; background: oklch(1 0 0 / 0.08); padding: 5px 12px; border-radius: 20px; }
.util .u-search input { background: transparent; border: 0; color: #fff; font-family: var(--sans); font-size: 13px; width: 120px; outline: none; }
.util .u-search input::placeholder { color: oklch(0.8 0.02 250); }
.util .u-search svg { width: 14px; height: 14px; color: oklch(0.8 0.02 250); }

/* =====================  HEADER  ===================== */
.header { position: sticky; top: 0; z-index: 60; background: var(--paper); border-bottom: 1px solid var(--line); transition: box-shadow .25s; }
.header.stuck { box-shadow: var(--shadow-sm); }
.header .wrap { display: flex; align-items: center; gap: 28px; min-height: 88px; }
.brand { display: flex; align-items: center; gap: 14px; }
.brand image-slot { width: 50px; height: 50px; flex: none; }
.brand .b-text { display: flex; flex-direction: column; }
.brand .b-text .b-name { font-family: var(--serif); font-weight: 600; font-size: 21px; letter-spacing: 0.01em; color: var(--navy); line-height: 1; white-space: nowrap; }
.brand .b-text .b-tag { font-style: italic; font-family: var(--serif); color: var(--teal); font-size: 13.5px; margin-top: 3px; }
.nav { display: flex; align-items: center; gap: 30px; margin-left: auto; }
.nav a { font-weight: 600; font-size: 15px; color: var(--ink); position: relative; padding: 6px 0; display: inline-flex; align-items: center; gap: 5px; }
.nav a .chev { width: 11px; height: 11px; color: var(--ink-faint); }
.nav a::after { content: ""; position: absolute; left: 0; bottom: -2px; height: 2px; width: 0; background: var(--teal); transition: width .22s; }
.nav a:hover { color: var(--teal); }
.nav a:hover::after { width: 100%; }
.header .h-cta { display: flex; align-items: center; gap: 14px; }

/* =====================  HERO  ===================== */
.hero { position: relative; background: var(--navy-deep); color: #fff; overflow: hidden; }
.hero .hero-media { position: absolute; inset: 0; z-index: 0; }
.hero .hero-media image-slot { width: 100%; height: 100%; }
.hero .hero-scrim { position: absolute; inset: 0; z-index: 1;
  background:
    linear-gradient(100deg, var(--navy-900) 0%, oklch(0.2 0.05 250 / 0.86) 42%, oklch(0.2 0.05 250 / 0.45) 70%, oklch(0.2 0.05 250 / 0.30) 100%);
}
.hero .wrap { position: relative; z-index: 2; display: grid; grid-template-columns: 1.25fr 0.85fr; gap: 56px; align-items: center; padding-top: 92px; padding-bottom: 110px; }
.hero-eyebrow { font-weight: 700; letter-spacing: 0.22em; text-transform: uppercase; font-size: 13px; color: var(--teal-bright); }
.hero h1 { font-size: clamp(44px, 5.6vw, 78px); margin: 18px 0 0; line-height: 1.02; }
.hero h1 .script { font-style: italic; font-weight: 400; color: var(--teal-bright); display: block; }
.hero .hero-sub { margin-top: 22px; max-width: 30ch; color: oklch(0.88 0.02 250); font-size: 18px; }
.hero .hero-btns { margin-top: 34px; display: flex; gap: 14px; flex-wrap: wrap; }
.hero .trust { margin-top: 40px; display: flex; align-items: center; gap: 22px; color: oklch(0.8 0.02 250); font-size: 13.5px; }
.hero .trust .star { color: var(--amber); }
.hero .trust .divider { width: 1px; height: 26px; background: oklch(1 0 0 / 0.2); }

/* login card */
.login-card { background: var(--card); color: var(--ink); border-radius: var(--rl); padding: 32px 30px 30px; box-shadow: var(--shadow-lg); position: relative; }
.login-card::before { content: ""; position: absolute; top: -1px; left: 24px; right: 24px; height: 3px; background: linear-gradient(90deg, var(--teal), var(--amber)); border-radius: 3px; }
.login-card h3 { font-size: 23px; color: var(--navy); }
.login-card .lc-sub { color: var(--ink-soft); font-size: 14px; margin-top: 4px; }
.field { margin-top: 16px; }
.field label { display: block; font-size: 12.5px; font-weight: 700; letter-spacing: 0.04em; text-transform: uppercase; color: var(--ink-soft); margin-bottom: 7px; }
.field input { width: 100%; padding: 13px 14px; border: 1.5px solid var(--line-2); border-radius: var(--r); font-family: var(--sans); font-size: 15px; color: var(--ink); background: var(--paper); transition: border .18s, box-shadow .18s; }
.field input:focus { outline: none; border-color: var(--teal); box-shadow: 0 0 0 3px var(--teal-soft); background: #fff; }
.login-card .lc-row { display: flex; justify-content: space-between; align-items: center; margin-top: 14px; font-size: 13px; }
.login-card .lc-row a { color: var(--teal); font-weight: 600; }
.login-card .lc-row a:hover { text-decoration: underline; }
.login-card .btn { width: 100%; justify-content: center; margin-top: 18px; }
.login-card .lc-enroll { margin-top: 16px; text-align: center; font-size: 13.5px; color: var(--ink-soft); border-top: 1px solid var(--line); padding-top: 16px; }
.login-card .lc-enroll a { color: var(--navy); font-weight: 700; }
.login-card .lc-secure { display: flex; align-items: center; justify-content: center; gap: 7px; margin-top: 12px; font-size: 12px; color: var(--ink-faint); }
.login-card .lc-secure svg { width: 13px; height: 13px; color: var(--teal); }

/* =====================  PRODUCT QUICK CARDS (overlap hero)  ===================== */
.qcards { position: relative; z-index: 5; margin-top: -54px; }
.qcards .grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.qcard { background: var(--navy); color: #fff; border-radius: var(--rl); padding: 26px 24px 24px; position: relative; overflow: hidden; transition: transform .22s, box-shadow .22s; box-shadow: var(--shadow-md); }
.qcard:nth-child(2) { background: var(--navy-700); }
.qcard:nth-child(3) { background: var(--navy-deep); }
.qcard:hover { transform: translateY(-6px); }
.qcard .qc-ic { width: 46px; height: 46px; border-radius: 11px; background: oklch(1 0 0 / 0.10); display: grid; place-items: center; color: var(--teal-bright); margin-bottom: 18px; }
.qcard .qc-ic svg { width: 24px; height: 24px; }
.qcard h3 { font-size: 19px; }
.qcard .qc-meta { margin-top: 10px; font-size: 13px; color: oklch(0.82 0.02 250); }
.qcard .qc-rate { color: var(--amber); font-weight: 800; font-family: var(--sans); }
.qcard .qc-link { margin-top: 16px; display: inline-flex; align-items: center; gap: 7px; font-weight: 700; font-size: 13px; color: var(--teal-bright); letter-spacing: 0.03em; }
.qcard .qc-link svg { width: 14px; height: 14px; transition: transform .2s; }
.qcard:hover .qc-link svg { transform: translateX(4px); }
.qcard::after { content: ""; position: absolute; right: -30px; bottom: -30px; width: 110px; height: 110px; border-radius: 50%; background: oklch(1 0 0 / 0.04); }

/* =====================  WELCOME / INTRO  ===================== */
.welcome .grid { display: grid; grid-template-columns: 1fr 1.05fr; gap: 64px; align-items: center; }
.welcome .w-media { position: relative; }
.welcome .w-media image-slot { width: 100%; height: 480px; }
.welcome .w-media .badge { position: absolute; left: -22px; bottom: 36px; background: var(--navy); color: #fff; border-radius: var(--rl); padding: 20px 24px; box-shadow: var(--shadow-md); display: flex; align-items: center; gap: 16px; }
.welcome .w-media .badge .big { font-family: var(--serif); font-size: 38px; color: var(--amber); line-height: 1; }
.welcome .w-media .badge .small { font-size: 13px; line-height: 1.3; color: oklch(0.85 0.02 250); max-width: 12ch; }
.welcome .w-media .play { position: absolute; top: 24px; right: 24px; width: 64px; height: 64px; border-radius: 50%; background: var(--amber); color: var(--navy-900); display: grid; place-items: center; box-shadow: var(--shadow-md); }
.welcome .w-media .play svg { width: 22px; height: 22px; margin-left: 3px; }
.welcome h2 { font-size: clamp(34px, 4vw, 50px); margin-top: 18px; }
.welcome .w-body { color: var(--ink-soft); margin-top: 20px; max-width: 50ch; }
.checklist { margin-top: 26px; display: grid; grid-template-columns: 1fr 1fr; gap: 14px 26px; }
.checklist li { list-style: none; display: flex; align-items: center; gap: 11px; font-weight: 600; font-size: 15.5px; }
.checklist .ck { width: 24px; height: 24px; border-radius: 50%; background: var(--teal-soft); color: var(--teal); display: grid; place-items: center; flex: none; }
.checklist .ck svg { width: 13px; height: 13px; }
.welcome .w-cta { margin-top: 32px; display: flex; align-items: center; gap: 24px; }
.welcome .w-sign { display: flex; flex-direction: column; }
.welcome .w-sign .nm { font-family: var(--serif); font-style: italic; font-size: 22px; color: var(--navy); }
.welcome .w-sign .tt { font-size: 12.5px; color: var(--ink-faint); letter-spacing: 0.04em; text-transform: uppercase; }

/* =====================  MARQUEE  ===================== */
.marquee { background: var(--navy-deep); color: #fff; padding: 30px 0; overflow: hidden; border-top: 1px solid oklch(1 0 0 / 0.06); border-bottom: 1px solid oklch(1 0 0 / 0.06); }
.marquee .track { display: flex; gap: 0; width: max-content; animation: scrollx 28s linear infinite; }
.marquee .item { display: flex; align-items: center; gap: 46px; padding-right: 46px; }
.marquee .word { font-family: var(--serif); font-size: 40px; font-weight: 500; letter-spacing: 0.01em; white-space: nowrap; }
.marquee .word.outline { color: transparent; -webkit-text-stroke: 1.2px oklch(1 0 0 / 0.5); }
.marquee .dot { width: 16px; height: 16px; color: var(--teal-bright); flex: none; }
.marquee:hover .track { animation-play-state: paused; }
@keyframes scrollx { to { transform: translateX(-50%); } }

/* =====================  PRODUCT TABS  ===================== */
.tabs-sec { background: var(--paper-2); }
.tabs-head { text-align: center; max-width: 640px; margin: 0 auto 50px; }
.tabs-head h2 { font-size: clamp(32px, 3.6vw, 46px); margin-top: 14px; }
.tabs-grid { display: grid; grid-template-columns: 0.85fr 1.15fr; gap: 36px; align-items: stretch; }
.tablist { display: flex; flex-direction: column; gap: 0; background: var(--card); border-radius: var(--rl); padding: 14px; box-shadow: var(--shadow-sm); height: fit-content; }
.tab { display: flex; align-items: center; gap: 16px; text-align: left; background: transparent; border: 0; padding: 20px 20px; border-radius: var(--r); color: var(--navy); transition: background .2s, color .2s; border-bottom: 1px solid var(--line); }
.tablist .tab:last-child { border-bottom: 0; }
.tab .tb-ic { width: 42px; height: 42px; border-radius: 10px; background: var(--paper-3); color: var(--teal); display: grid; place-items: center; flex: none; transition: background .2s, color .2s; }
.tab .tb-ic svg { width: 22px; height: 22px; }
.tab .tb-tx { font-family: var(--serif); font-size: 21px; font-weight: 500; }
.tab .tb-ar { margin-left: auto; opacity: 0; transition: opacity .2s, transform .2s; }
.tab .tb-ar svg { width: 18px; height: 18px; }
.tab:hover { background: var(--paper-3); }
.tab.active { background: var(--navy); color: #fff; }
.tab.active .tb-ic { background: var(--teal); color: #fff; }
.tab.active .tb-ar { opacity: 1; }
.tabpanes { position: relative; }
.tabpane { display: none; background: var(--card); border-radius: var(--rl); overflow: hidden; box-shadow: var(--shadow-md); grid-template-columns: 1fr; height: 100%; }
.tabpane.active { display: grid; animation: fadeUp .4s ease; }
@keyframes fadeUp { from { opacity: 0; transform: translateY(12px);} to {opacity:1; transform:none;} }
.tabpane image-slot { width: 100%; height: 260px; }
.tabpane .tp-body { padding: 34px 38px 36px; }
.tabpane .tp-body h3 { font-size: 30px; color: var(--navy); }
.tabpane .tp-body p { color: var(--ink-soft); margin-top: 14px; }
.tabpane .tp-feats { margin-top: 22px; display: grid; grid-template-columns: 1fr 1fr; gap: 12px 24px; }
.tabpane .tp-feats li { list-style: none; display: flex; align-items: center; gap: 10px; font-size: 15px; font-weight: 600; }
.tabpane .tp-feats .ck { width: 20px; height: 20px; border-radius: 50%; background: var(--amber-soft); color: var(--amber-deep); display: grid; place-items: center; flex: none; }
.tabpane .tp-feats .ck svg { width: 11px; height: 11px; }
.tabpane .tp-foot { margin-top: 28px; display: flex; align-items: center; gap: 26px; flex-wrap: wrap; }
.tabpane .tp-rate { background: var(--paper-2); border: 1px solid var(--line); border-radius: var(--r); padding: 12px 18px; }
.tabpane .tp-rate .r-big { font-family: var(--serif); font-size: 26px; color: var(--navy); line-height: 1; }
.tabpane .tp-rate .r-sm { font-size: 12px; color: var(--ink-faint); margin-top: 4px; }

/* =====================  FEATURE (local decisions)  ===================== */
.feature .grid { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }
.feature .f-media { position: relative; }
.feature .f-media image-slot { width: 100%; height: 460px; }
.feature .f-media .chip { position: absolute; right: -18px; top: 40px; background: var(--card); border-radius: var(--rl); padding: 16px 20px; box-shadow: var(--shadow-md); display: flex; align-items: center; gap: 12px; }
.feature .f-media .chip .ic { width: 40px; height: 40px; border-radius: 10px; background: var(--teal-soft); color: var(--teal); display: grid; place-items: center; }
.feature .f-media .chip .ic svg { width: 20px; height: 20px; }
.feature .f-media .chip .t1 { font-weight: 800; font-size: 15px; color: var(--navy); }
.feature .f-media .chip .t2 { font-size: 12.5px; color: var(--ink-faint); }
.feature h2 { font-size: clamp(32px, 3.6vw, 46px); margin-top: 16px; }
.feature .f-lead { color: var(--ink-soft); margin-top: 18px; max-width: 46ch; }
.frow { display: flex; gap: 18px; margin-top: 28px; padding: 22px; border-radius: var(--rl); background: var(--paper-2); border: 1px solid var(--line); transition: background .2s, border .2s, transform .2s; }
.frow:hover { background: var(--card); border-color: var(--teal-soft); transform: translateX(4px); box-shadow: var(--shadow-sm); }
.frow .fr-ic { width: 52px; height: 52px; border-radius: 12px; flex: none; display: grid; place-items: center; }
.frow:nth-child(1) .fr-ic { background: var(--teal); color: #fff; }
.frow:nth-child(2) .fr-ic { background: var(--amber); color: var(--navy-900); }
.frow .fr-ic svg { width: 26px; height: 26px; }
.frow h4 { font-size: 20px; color: var(--navy); }
.frow p { font-size: 14.5px; color: var(--ink-soft); margin-top: 5px; }

/* =====================  STEPS / PROCESS  ===================== */
.steps-sec { background: var(--paper-2); text-align: center; }
.steps-head { max-width: 620px; margin: 0 auto 56px; }
.steps-head h2 { font-size: clamp(32px, 3.6vw, 46px); margin-top: 14px; }
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; counter-reset: step; }
.step { position: relative; text-align: center; }
.step .s-art { width: 130px; height: 130px; margin: 0 auto 22px; border-radius: 50%; background: var(--card); box-shadow: var(--shadow-sm); display: grid; place-items: center; position: relative; border: 1px solid var(--line); }
.step .s-art image-slot { width: 96px; height: 96px; }
.step .s-num { position: absolute; top: -6px; right: -2px; width: 38px; height: 38px; border-radius: 50%; background: var(--amber); color: var(--navy-900); font-family: var(--serif); font-weight: 600; font-size: 17px; display: grid; place-items: center; box-shadow: var(--shadow-sm); }
.step:nth-child(even) .s-num { background: var(--teal); color: #fff; }
.step h4 { font-size: 21px; color: var(--navy); }
.step p { font-size: 14px; color: var(--ink-soft); margin-top: 8px; max-width: 24ch; margin-inline: auto; }
.step .s-conn { position: absolute; top: 64px; left: calc(50% + 78px); width: calc(100% - 130px); height: 2px; }
.step .s-conn svg { width: 100%; height: 22px; color: var(--line-2); }
.step:last-child .s-conn { display: none; }

/* =====================  QUICK BANKING (dark)  ===================== */
.quickbank { background: var(--navy-deep); color: #fff; position: relative; overflow: hidden; }
.quickbank::before { content: ""; position: absolute; inset: 0; background:
   radial-gradient(600px 400px at 85% 0%, oklch(0.5 0.09 220 / 0.25), transparent 70%),
   radial-gradient(700px 500px at 0% 100%, oklch(0.4 0.07 250 / 0.4), transparent 70%); }
.quickbank .wrap { position: relative; z-index: 1; }
.qb-head { text-align: center; max-width: 620px; margin: 0 auto 52px; }
.qb-head h2 { font-size: clamp(32px, 3.6vw, 46px); color: #fff; margin-top: 14px; }
.qb-head p { color: oklch(0.82 0.02 250); margin-top: 12px; }
.qb-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.qb-item { display: flex; gap: 18px; padding: 28px; border-radius: var(--rl); background: oklch(1 0 0 / 0.04); border: 1px solid oklch(1 0 0 / 0.08); transition: background .2s, transform .2s, border .2s; }
.qb-item:hover { background: oklch(1 0 0 / 0.07); border-color: var(--teal); transform: translateY(-4px); }
.qb-item .qb-ic { width: 50px; height: 50px; border-radius: 12px; background: oklch(1 0 0 / 0.08); color: var(--amber); display: grid; place-items: center; flex: none; }
.qb-item:hover .qb-ic { color: var(--teal-bright); }
.qb-item .qb-ic svg { width: 25px; height: 25px; }
.qb-item h4 { font-size: 20px; color: #fff; }
.qb-item p { font-size: 13.5px; color: oklch(0.78 0.02 250); margin-top: 6px; }
.qb-item .qb-go { margin-top: 12px; font-size: 12px; font-weight: 700; letter-spacing: 0.06em; text-transform: uppercase; color: var(--teal-bright); display: inline-flex; gap: 6px; align-items: center; }
.qb-item .qb-go svg { width: 13px; height: 13px; transition: transform .2s; }
.qb-item:hover .qb-go svg { transform: translateX(4px); }

/* =====================  BANKERS  ===================== */
.team-head { text-align: center; max-width: 640px; margin: 0 auto 52px; }
.team-head h2 { font-size: clamp(32px, 3.6vw, 46px); margin-top: 14px; }
.team-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; }
.banker { position: relative; border-radius: var(--rl); overflow: hidden; box-shadow: var(--shadow-sm); }
.banker image-slot { width: 100%; height: 380px; }
.banker .b-info { position: absolute; left: 16px; right: 16px; bottom: 16px; background: var(--navy); color: #fff; border-radius: var(--r); padding: 16px 20px; transition: transform .25s; }
.banker .b-info .nm { font-family: var(--serif); font-size: 21px; }
.banker .b-info .rl { font-size: 13px; color: var(--teal-bright); font-weight: 600; margin-top: 2px; letter-spacing: 0.02em; }
.banker .b-info .so { display: flex; gap: 12px; margin-top: 0; max-height: 0; opacity: 0; overflow: hidden; transition: max-height .25s, opacity .25s, margin .25s; }
.banker:hover .b-info .so { max-height: 40px; opacity: 1; margin-top: 12px; }
.banker .b-info .so a { width: 30px; height: 30px; border-radius: 50%; background: oklch(1 0 0 / 0.12); display: grid; place-items: center; }
.banker .b-info .so a:hover { background: var(--teal); }
.banker .b-info .so svg { width: 14px; height: 14px; }
.team-foot { text-align: center; margin-top: 44px; color: var(--ink-soft); }

/* =====================  FAQ  ===================== */
.faq-sec { background: var(--paper-2); }
.faq-grid { display: grid; grid-template-columns: 0.9fr 1.1fr; gap: 56px; align-items: start; }
.faq-media { position: relative; }
.faq-media .deco { position: absolute; inset: -16px -16px auto auto; width: 70%; height: 70%; z-index: 0;
  background-image: conic-gradient(from 45deg, var(--teal-soft) 0 25%, transparent 0 50%);
  background-size: 26px 26px; opacity: 0.6; border-radius: 50% 50% 0 50%; }
.faq-media image-slot { position: relative; z-index: 1; width: 100%; height: 460px; }
.faq-media .stat { position: absolute; z-index: 2; right: -16px; bottom: 30px; background: var(--navy); color: #fff; padding: 18px 22px; border-radius: var(--rl); box-shadow: var(--shadow-md); text-align: center; }
.faq-media .stat .big { font-family: var(--serif); font-size: 32px; color: var(--amber); line-height: 1; }
.faq-media .stat .sm { font-size: 12px; color: oklch(0.84 0.02 250); margin-top: 5px; }
.faq-list h2 { font-size: clamp(30px, 3.4vw, 44px); margin: 14px 0 26px; }
.acc { border-bottom: 1px solid var(--line-2); }
.acc-q { width: 100%; background: transparent; border: 0; text-align: left; display: flex; align-items: center; gap: 16px; padding: 22px 4px; font-family: var(--serif); font-size: 21px; font-weight: 500; color: var(--navy); }
.acc-q .qn { margin-left: auto; width: 30px; height: 30px; border-radius: 50%; border: 1.5px solid var(--line-2); display: grid; place-items: center; flex: none; transition: background .2s, border .2s, transform .2s; color: var(--teal); }
.acc-q .qn svg { width: 15px; height: 15px; transition: transform .25s; }
.acc.open .acc-q .qn { background: var(--teal); border-color: var(--teal); color: #fff; }
.acc.open .acc-q .qn svg { transform: rotate(45deg); }
.acc-a { max-height: 0; overflow: hidden; transition: max-height .3s ease; }
.acc-a .inner { padding: 0 4px 22px; color: var(--ink-soft); max-width: 56ch; }

/* =====================  TESTIMONIAL + STATS (dark)  ===================== */
.testi { background: var(--navy); color: #fff; position: relative; overflow: hidden; }
.testi::before { content: "\201C"; position: absolute; left: 4%; top: -30px; font-family: var(--serif); font-size: 340px; color: oklch(1 0 0 / 0.05); line-height: 1; }
.testi .grid { position: relative; z-index: 1; display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 60px; align-items: center; }
.testi .stars { color: var(--amber); display: flex; gap: 4px; }
.testi .stars svg { width: 20px; height: 20px; }
.testi blockquote { font-family: var(--serif); font-size: clamp(24px, 2.6vw, 32px); line-height: 1.35; margin: 20px 0 0; font-weight: 400; }
.testi .who { margin-top: 26px; display: flex; align-items: center; gap: 14px; }
.testi .who image-slot { width: 56px; height: 56px; }
.testi .who .nm { font-weight: 800; font-size: 16px; }
.testi .who .rl { font-size: 13px; color: var(--teal-bright); }
.testi .who-g { margin-left: auto; font-size: 12px; color: oklch(0.78 0.02 250); display: flex; align-items: center; gap: 7px; }
.testi .stats { display: grid; grid-template-columns: 1fr; gap: 16px; }
.tstat { background: oklch(1 0 0 / 0.05); border: 1px solid oklch(1 0 0 / 0.09); border-left: 3px solid var(--amber); border-radius: var(--r); padding: 22px 26px; display: flex; align-items: baseline; gap: 16px; }
.tstat:nth-child(2) { border-left-color: var(--teal); }
.tstat .num { font-family: var(--serif); font-size: 42px; color: #fff; line-height: 1; }
.tstat .lab { font-size: 14px; color: oklch(0.82 0.02 250); }

/* =====================  BUSINESS OF THE MONTH  ===================== */
.botm .grid { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
.botm h2 { font-size: clamp(30px, 3.4vw, 44px); margin-top: 14px; }
.botm .b-name { font-weight: 800; font-size: 18px; color: var(--teal); margin-top: 18px; letter-spacing: 0.01em; }
.botm p { color: var(--ink-soft); margin-top: 12px; max-width: 52ch; }
.botm .b-quote { margin-top: 22px; padding: 18px 22px; border-left: 3px solid var(--amber); background: var(--paper-2); border-radius: 0 var(--r) var(--r) 0; }
.botm .b-quote q { font-family: var(--serif); font-style: italic; font-size: 18px; color: var(--navy); }
.botm .b-quote .qa { display: block; margin-top: 8px; font-size: 13px; color: var(--ink-faint); font-weight: 600; }
.botm .b-cta { margin-top: 26px; display: flex; align-items: center; gap: 18px; flex-wrap: wrap; }
.botm-media { position: relative; }
.botm-media image-slot { width: 100%; height: 440px; }
.botm-media .tag { position: absolute; left: 22px; top: 22px; background: var(--amber); color: var(--navy-900); font-weight: 800; font-size: 12px; letter-spacing: 0.08em; text-transform: uppercase; padding: 8px 14px; border-radius: 30px; }

/* =====================  MOBILE BANKING  ===================== */
.mobile { background: var(--navy-deep); color: #fff; position: relative; overflow: hidden; }
.mobile::before { content: ""; position: absolute; inset: 0; background: radial-gradient(700px 500px at 15% 50%, oklch(0.5 0.09 220 / 0.28), transparent 70%); }
.mobile .grid { position: relative; z-index: 1; display: grid; grid-template-columns: 0.9fr 1.1fr; gap: 50px; align-items: center; }
.mobile .m-phones { position: relative; height: 460px; }
.phone { position: absolute; width: 230px; height: 460px; border-radius: 36px; background: oklch(0.12 0.02 250); padding: 12px; box-shadow: var(--shadow-lg); border: 1px solid oklch(1 0 0 / 0.12); }
.phone image-slot { width: 100%; height: 100%; }
.phone .notch { position: absolute; top: 12px; left: 50%; transform: translateX(-50%); width: 90px; height: 22px; background: oklch(0.12 0.02 250); border-radius: 0 0 14px 14px; z-index: 3; }
.phone.p1 { left: 30px; top: 0; z-index: 2; }
.phone.p2 { left: 200px; top: 50px; transform: rotate(6deg); z-index: 1; opacity: 0.95; }
.mobile h2 { font-size: clamp(32px, 3.6vw, 46px); color: #fff; margin-top: 14px; }
.mobile .m-lead { color: oklch(0.84 0.02 250); margin-top: 16px; max-width: 44ch; }
.mobile .m-feats { margin-top: 24px; display: grid; grid-template-columns: 1fr 1fr; gap: 14px 26px; }
.mobile .m-feats li { list-style: none; display: flex; align-items: center; gap: 11px; font-weight: 600; }
.mobile .m-feats .ck { width: 24px; height: 24px; border-radius: 50%; background: oklch(1 0 0 / 0.1); color: var(--teal-bright); display: grid; place-items: center; flex: none; }
.mobile .m-feats .ck svg { width: 13px; height: 13px; }
.mobile .m-store { margin-top: 32px; display: flex; gap: 14px; flex-wrap: wrap; }
.store-btn { display: flex; align-items: center; gap: 12px; background: oklch(1 0 0 / 0.08); border: 1px solid oklch(1 0 0 / 0.16); padding: 11px 20px; border-radius: 10px; transition: background .2s, transform .2s; }
.store-btn:hover { background: oklch(1 0 0 / 0.14); transform: translateY(-2px); }
.store-btn svg { width: 26px; height: 26px; }
.store-btn .st { font-size: 10.5px; color: oklch(0.78 0.02 250); letter-spacing: 0.04em; }
.store-btn .lg { font-size: 16px; font-weight: 700; font-family: var(--serif); }

/* =====================  CTA BANNER  ===================== */
.cta-banner { position: relative; color: #fff; overflow: hidden; }
.cta-banner .cb-media { position: absolute; inset: 0; z-index: 0; }
.cta-banner .cb-media image-slot { width: 100%; height: 100%; }
.cta-banner .cb-scrim { position: absolute; inset: 0; z-index: 1; background: linear-gradient(180deg, oklch(0.25 0.05 250 / 0.78), oklch(0.2 0.05 250 / 0.88)); }
.cta-banner .wrap { position: relative; z-index: 2; text-align: center; padding: 100px 40px; }
.cta-banner h2 { font-size: clamp(34px, 4.4vw, 58px); }
.cta-banner h2 .em { font-style: italic; color: var(--teal-bright); }
.cta-banner .cb-sub { margin: 18px auto 0; max-width: 44ch; color: oklch(0.88 0.02 250); font-size: 18px; }
.cta-banner .cb-meta { margin-top: 10px; font-size: 14px; color: var(--amber); font-weight: 700; letter-spacing: 0.04em; }
.cta-banner .cb-btns { margin-top: 34px; display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }

/* =====================  FOOTER  ===================== */
.footer { background: var(--navy-900); color: oklch(0.8 0.02 250); padding: 72px 0 0; }
.footer .f-top { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.2fr; gap: 40px; padding-bottom: 52px; border-bottom: 1px solid oklch(1 0 0 / 0.08); }
.footer .f-brand image-slot { width: 54px; height: 54px; margin-bottom: 16px; }
.footer .f-brand .fb-name { font-family: var(--serif); font-size: 22px; color: #fff; }
.footer .f-brand .fb-div { font-size: 12px; color: var(--teal-bright); letter-spacing: 0.04em; text-transform: uppercase; margin-top: 4px; font-weight: 600; }
.footer .f-brand p { font-size: 14px; margin-top: 16px; max-width: 32ch; }
.footer .f-contact { margin-top: 20px; display: grid; gap: 10px; font-size: 14px; }
.footer .f-contact .ci { display: flex; align-items: center; gap: 11px; }
.footer .f-contact .ci svg { width: 16px; height: 16px; color: var(--teal-bright); flex: none; }
.footer h5 { font-family: var(--sans); font-size: 13px; font-weight: 800; letter-spacing: 0.12em; text-transform: uppercase; color: #fff; margin: 6px 0 18px; }
.footer ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 11px; }
.footer ul a { font-size: 14.5px; }
.footer ul a:hover { color: var(--teal-bright); padding-left: 4px; transition: padding .18s, color .18s; }
.footer .f-social { display: flex; gap: 12px; margin-top: 4px; }
.footer .f-social a { width: 40px; height: 40px; border-radius: 10px; background: oklch(1 0 0 / 0.07); display: grid; place-items: center; transition: background .2s; }
.footer .f-social a:hover { background: var(--teal); }
.footer .f-social svg { width: 18px; height: 18px; }
.footer .f-nmls { margin-top: 22px; font-size: 12.5px; color: var(--ink-faint); }
.footer .f-bottom { display: flex; align-items: center; justify-content: space-between; padding: 24px 0; font-size: 13px; color: oklch(0.65 0.02 250); flex-wrap: wrap; gap: 10px; }
.footer .f-bottom .fdic { font-weight: 800; color: oklch(0.8 0.02 250); border: 1.5px solid oklch(1 0 0 / 0.3); padding: 1px 6px; border-radius: 3px; font-size: 11px; margin-right: 8px; }

/* =====================  RESPONSIVE  ===================== */
@media (max-width: 1080px) {
  .hero .wrap { grid-template-columns: 1fr; gap: 40px; }
  .login-card { max-width: 440px; }
  .qcards .grid { grid-template-columns: repeat(2, 1fr); }
  .welcome .grid, .feature .grid, .tabs-grid, .faq-grid, .testi .grid, .botm .grid, .mobile .grid { grid-template-columns: 1fr; gap: 40px; }
  .qb-grid, .team-grid { grid-template-columns: repeat(2, 1fr); }
  .steps { grid-template-columns: repeat(2, 1fr); gap: 40px 20px; }
  .step .s-conn { display: none; }
  .nav { display: none; }
  .checklist, .tabpane .tp-feats, .mobile .m-feats { grid-template-columns: 1fr; }
  .footer .f-top { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 640px) {
  :root { --gut: 22px; }
  .section { padding: 64px 0; }
  .util .u-left .ufdic-text, .util .u-search { display: none; }
  .qcards .grid, .qb-grid, .team-grid, .steps { grid-template-columns: 1fr; }
  .header .h-cta .btn span { display: none; }
  .marquee .word { font-size: 30px; }
  .footer .f-top { grid-template-columns: 1fr; }
}