/* ============================================================
   Northwoods Bank — Homepage redesign (Wireframe 2)
   Design system: navy primary + refined amber accent + lake teal
   Type: Source Serif 4 (headlines) / Public Sans (body, UI)
   Built as discrete blocks that map 1:1 to Elementor sections.
   ============================================================ */

:root {
  /* Navy scale */
  --navy-900: #0c2740;
  --navy-800: #102f4d;
  --navy-700: #143e63;   /* primary */
  --navy-600: #1c5180;
  --navy-500: #2a6699;
  --navy-100: #e9f1f8;

  /* Accents */
  --amber:      #cf9440;  /* refined heritage accent */
  --amber-600:  #b97f2f;
  --amber-soft: #f6ecd9;
  --lake:       #2f8693;  /* modern secondary, icons */
  --lake-soft:  #e3f0f0;

  /* Neutrals */
  --ink:   #182734;
  --body:  #3f5462;
  --muted: #6c7d89;
  --line:  #e3e9ef;
  --bg:    #ffffff;
  --bg-alt:#f4f8fb;       /* cool off-white */

  --maxw: 1600px;
  --radius: 14px;
  --radius-sm: 9px;
  --shadow-sm: 0 2px 10px rgba(16,47,77,.06);
  --shadow:    0 14px 40px rgba(16,47,77,.12);
  --shadow-lg: 0 26px 70px rgba(12,39,64,.20);

  --serif: "Source Serif 4", Georgia, serif;
  --sans:  "Public Sans", system-ui, -apple-system, sans-serif;
}

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

html { scroll-behavior: smooth; }

body {
  font-family: var(--sans);
  color: var(--body);
  background: var(--bg);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

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

h1, h2, h3, h4 {
  font-family: var(--serif);
  color: var(--ink);
  line-height: 1.16;
  font-weight: 600;
  letter-spacing: -.01em;
  text-wrap: balance;
}

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

.wrap { width: 100%; max-width: var(--maxw); margin: 0 auto; padding: 0 28px; }

.section { padding: 92px 0; }

.eyebrow {
  font-family: var(--sans);
  font-weight: 700;
  font-size: 13px;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--lake);
  margin-bottom: 14px;
}
.eyebrow.amber { color: var(--amber-600); }

.lead { font-size: 18px; color: var(--body); }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; gap: 9px;
  font-family: var(--sans); font-weight: 700; font-size: 15px;
  padding: 14px 24px; border-radius: 999px; cursor: pointer;
  border: 1.5px solid transparent; transition: .18s ease;
  white-space: nowrap;
}
.btn svg { width: 17px; height: 17px; }
.btn-amber   { background: var(--amber); color: #fff; }
.btn-amber:hover   { background: var(--amber-600); transform: translateY(-1px); }
.btn-navy    { background: var(--navy-700); color: #fff; }
.btn-navy:hover    { background: var(--navy-800); transform: translateY(-1px); }
.btn-ghost   { background: transparent; color: #fff; border-color: rgba(255,255,255,.55); }
.btn-ghost:hover   { background: rgba(255,255,255,.12); border-color: #fff; }
.btn-outline { background: #fff; color: var(--navy-700); border-color: var(--line); }
.btn-outline:hover { border-color: var(--navy-600); color: var(--navy-700); }
.btn-sm { padding: 10px 18px; font-size: 13.5px; }

.link-arrow {
  display: inline-flex; align-items: center; gap: 7px;
  font-weight: 700; font-size: 14.5px; color: var(--navy-700);
}
.link-arrow svg { width: 15px; height: 15px; transition: transform .18s ease; }
.link-arrow:hover svg { transform: translateX(4px); }

/* ============================================================
   TOP UTILITY BAR
   ============================================================ */
.utility {
  background: var(--navy-900);
  color: #c7d6e3;
  font-size: 13px;
}
.utility .wrap {
  display: flex; align-items: center; justify-content: space-between;
  height: 42px; gap: 18px;
}
.utility-left, .utility-right { display: flex; align-items: center; gap: 20px; }
.util-search {
  display: flex; align-items: center; gap: 8px;
  background: rgba(255,255,255,.08); border-radius: 999px;
  padding: 6px 14px; color: #c7d6e3;
}
.util-search input {
  background: none; border: none; outline: none; color: #fff;
  font-family: var(--sans); font-size: 13px; width: 130px;
}
.util-search input::placeholder { color: #8aa2b6; }
.util-search svg { width: 14px; height: 14px; opacity: .8; }

.weather { display: flex; align-items: center; gap: 9px; color: #c7d6e3; }
.weather svg { width: 18px; height: 18px; color: var(--amber); }
.weather b { color: #fff; font-weight: 700; }
.weather span { font-size: 11.5px; opacity: .8; display: block; line-height: 1.1; }

.fdic {
  display: flex; align-items: center; gap: 8px;
  border-left: 1px solid rgba(255,255,255,.16); padding-left: 18px;
}
.fdic-badge {
  border: 1.3px solid #7e97ab; border-radius: 4px;
  font-weight: 800; font-size: 10px; letter-spacing: .08em;
  padding: 3px 6px; color: #fff;
}
.fdic small { font-size: 11px; color: #8aa2b6; max-width: 168px; line-height: 1.25; }

.util-link { display: flex; align-items: center; gap: 6px; color: #c7d6e3; transition: color .15s; }
.util-link:hover { color: #fff; }
.util-link svg { width: 14px; height: 14px; }

/* ============================================================
   HEADER / NAV
   ============================================================ */
.header {
  position: sticky; top: 0; z-index: 60;
  background: rgba(255,255,255,.94);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--line);
}
.header .wrap { display: flex; align-items: center; justify-content: space-between; height: 84px; }

.brand { display: flex; align-items: center; gap: 13px; }
.brand-mark {
  width: 46px; height: 46px; border-radius: 50%;
  background: radial-gradient(circle at 50% 35%, var(--navy-500), var(--navy-800));
  display: grid; place-items: center; color: #fff; flex: 0 0 auto;
  box-shadow: inset 0 0 0 2px rgba(255,255,255,.18);
}
.brand-mark svg { width: 26px; height: 26px; }
.brand-text strong {
  font-family: var(--serif); font-weight: 600; color: var(--navy-800);
  font-size: 19px; letter-spacing: -.01em; display: block; line-height: 1.05;
  white-space: nowrap;
}
.brand-text { display: flex; flex-direction: column; gap: 3px; }
.brand-text span {
  font-family: var(--serif); font-style: italic; color: var(--amber-600);
  font-size: 12.5px; letter-spacing: .01em;
}

.nav { display: flex; align-items: center; gap: 4px; }
.nav a {
  font-weight: 600; font-size: 15px; color: var(--ink);
  padding: 10px 15px; border-radius: 8px; transition: .15s;
  display: flex; align-items: center; gap: 5px;
}
.nav a:hover { background: var(--navy-100); color: var(--navy-700); }
.nav a svg { width: 11px; height: 11px; opacity: .55; }

.header-cta { display: flex; align-items: center; gap: 12px; }

/* ============================================================
   HERO
   ============================================================ */
.hero { position: relative; background: var(--navy-800); overflow: hidden; }
.hero-bg { position: absolute; inset: 0; }
.hero-bg::after {
  content: ""; position: absolute; inset: 0;
  background: linear-gradient(105deg, rgba(12,39,64,.93) 0%, rgba(12,39,64,.78) 42%, rgba(12,39,64,.32) 100%);
}
.hero .wrap { position: relative; z-index: 2; padding-top: 86px; padding-bottom: 150px; }
.hero-grid { display: grid; grid-template-columns: 1.15fr .85fr; gap: 50px; align-items: center; }

.hero-eyebrow {
  display: inline-flex; align-items: center; gap: 9px;
  color: #d9e6f1; font-weight: 700; font-size: 13px;
  letter-spacing: .12em; text-transform: uppercase; margin-bottom: 20px;
}
.hero-eyebrow::before { content: ""; width: 28px; height: 2px; background: var(--amber); }
.hero h1 { color: #fff; font-size: 58px; line-height: 1.05; margin-bottom: 22px; }
.hero h1 em { font-style: italic; color: #f0d9b3; font-weight: 400; }
.hero p.lead { color: #cdddea; font-size: 19px; max-width: 480px; margin-bottom: 32px; }
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; }

.hero-trust {
  display: flex; align-items: center; gap: 22px; margin-top: 40px;
  color: #acc3d6; font-size: 13.5px;
}
.hero-trust .div { width: 1px; height: 26px; background: rgba(255,255,255,.18); }
.hero-trust b { color: #fff; font-family: var(--serif); font-size: 22px; display:block; line-height:1; margin-bottom:3px;}

/* Login card */
.login-card {
  background: #fff; border-radius: 18px; padding: 30px 30px 26px;
  box-shadow: var(--shadow-lg);
}
.login-card h3 { font-size: 21px; margin-bottom: 4px; }
.login-card .sub { font-size: 13.5px; color: var(--muted); margin-bottom: 22px; }
.field { margin-bottom: 14px; }
.field label { display:block; font-size: 12.5px; font-weight: 700; color: var(--ink); margin-bottom: 6px; }
.field input {
  width: 100%; padding: 13px 14px; border: 1.5px solid var(--line);
  border-radius: 10px; font-family: var(--sans); font-size: 14.5px; color: var(--ink);
  background: var(--bg-alt); transition: .15s;
}
.field input:focus { outline: none; border-color: var(--navy-600); background: #fff; }
.login-card .btn { width: 100%; justify-content: center; margin-top: 6px; }
.login-meta { display: flex; justify-content: space-between; margin-top: 16px; font-size: 13px; }
.login-meta a { color: var(--navy-700); font-weight: 600; }
.login-meta a:hover { color: var(--amber-600); }

/* ============================================================
   WELCOME STRIP (overlapping card)
   ============================================================ */
.welcome { background: var(--bg-alt); }
.welcome-card {
  background: #fff; border-radius: var(--radius); box-shadow: var(--shadow);
  margin-top: -96px; position: relative; z-index: 5;
  padding: 52px 56px;
  display: grid; grid-template-columns: 1fr 1.25fr; gap: 48px; align-items: center;
}
.welcome-card h2 { font-size: 33px; }
.welcome-card h2 small { display:block; font-family: var(--sans); font-weight:700; font-size:13px; letter-spacing:.14em; text-transform:uppercase; color: var(--lake); margin-bottom: 12px;}
.welcome-card p { margin-bottom: 16px; }
.since-badge {
  display: inline-flex; align-items: center; gap: 12px;
  background: var(--navy-100); border-radius: 12px; padding: 12px 18px;
  margin-top: 6px;
}
.since-badge b { font-family: var(--serif); color: var(--navy-700); font-size: 30px; line-height: 1; }
.since-badge span { font-size: 13px; color: var(--body); }

/* ============================================================
   PRODUCT CARDS
   ============================================================ */
.section-head { text-align: center; max-width: 640px; margin: 0 auto 54px; }
.section-head h2 { font-size: 40px; margin-bottom: 14px; }
.section-head p { font-size: 17px; }

.products { display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; }
.product {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 32px 26px; transition: .2s ease; position: relative; overflow: hidden;
}
.product:hover { transform: translateY(-6px); box-shadow: var(--shadow); border-color: transparent; }
.product .picon {
  width: 56px; height: 56px; border-radius: 14px; display: grid; place-items: center;
  background: var(--lake-soft); color: var(--lake); margin-bottom: 22px;
}
.product .picon svg { width: 27px; height: 27px; }
.product h3 { font-size: 20px; margin-bottom: 10px; }
.product p { font-size: 14.5px; margin-bottom: 18px; }
.product .rate {
  display: inline-block; background: var(--amber-soft); color: var(--amber-600);
  font-weight: 800; font-size: 12.5px; padding: 5px 11px; border-radius: 6px; margin-bottom: 16px;
}
.product.feature { background: var(--navy-700); border-color: var(--navy-700); }
.product.feature h3, .product.feature p { color: #fff; }
.product.feature p { color: #c5d8e8; }
.product.feature .picon { background: rgba(255,255,255,.14); color: #fff; }
.product.feature .rate { background: var(--amber); color: #fff; }
.product.feature .link-arrow { color: #fff; }
.product .link-arrow svg { width: 14px; }

/* ============================================================
   MOBILE BANKING FEATURE
   ============================================================ */
.feature-split { display: grid; grid-template-columns: 1fr 1.05fr; gap: 64px; align-items: center; }
.feature-split h2 { font-size: 38px; margin-bottom: 18px; }
.feature-split p { margin-bottom: 26px; }
.feat-list { display: grid; gap: 14px; margin-bottom: 30px; }
.feat-list li { display: flex; gap: 13px; align-items: flex-start; list-style: none; font-size: 15px; color: var(--ink); }
.feat-list .tick {
  width: 24px; height: 24px; border-radius: 50%; background: var(--lake-soft); color: var(--lake);
  display: grid; place-items: center; flex: 0 0 auto; margin-top: 1px;
}
.feat-list .tick svg { width: 13px; height: 13px; }

/* ============================================================
   HERITAGE STATS BAND
   ============================================================ */
.heritage { position: relative; background: var(--navy-800); overflow: hidden; color: #fff; }
.heritage-bg { position: absolute; inset: 0; }
.heritage-bg::after { content:""; position:absolute; inset:0; background: linear-gradient(100deg, rgba(12,39,64,.95), rgba(20,62,99,.82)); }
.heritage .wrap { position: relative; z-index: 2; }
.heritage-top { display: grid; grid-template-columns: 1fr 1fr; gap: 50px; align-items: center; margin-bottom: 56px; }
.heritage h2 { color: #fff; font-size: 38px; }
.heritage p { color: #cdddea; font-size: 17px; }
.stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.stat {
  background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.12);
  border-radius: 12px; padding: 28px 24px; text-align: center;
}
.stat b { font-family: var(--serif); font-size: 40px; color: #fff; display: block; line-height: 1; margin-bottom: 8px; }
.stat b .u { color: var(--amber); }
.stat span { font-size: 13.5px; color: #acc3d6; letter-spacing: .02em; }

/* ============================================================
   QUICK BANKING GRID
   ============================================================ */
.quick { background: var(--bg-alt); }
.quick-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.quick-card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 30px; display: flex; gap: 18px; align-items: flex-start; transition: .18s ease;
}
.quick-card:hover { box-shadow: var(--shadow-sm); transform: translateY(-3px); border-color: var(--navy-100); }
.quick-card .qicon {
  width: 50px; height: 50px; border-radius: 12px; flex: 0 0 auto;
  display: grid; place-items: center; background: var(--amber-soft); color: var(--amber-600);
}
.quick-card .qicon svg { width: 24px; height: 24px; }
.quick-card h3 { font-size: 18px; margin-bottom: 7px; }
.quick-card p { font-size: 14px; margin-bottom: 12px; }
.quick-card .link-arrow { font-size: 13.5px; }

/* ============================================================
   BUSINESS OF THE MONTH
   ============================================================ */
.botm-card {
  display: grid; grid-template-columns: 1.05fr .95fr; gap: 0;
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  overflow: hidden; box-shadow: var(--shadow-sm);
}
.botm-body { padding: 50px 52px; }
.botm-tag {
  display: inline-flex; align-items: center; gap: 8px; background: var(--lake-soft); color: var(--lake);
  font-weight: 800; font-size: 12px; letter-spacing: .08em; text-transform: uppercase;
  padding: 6px 13px; border-radius: 999px; margin-bottom: 20px;
}
.botm-body h2 { font-size: 31px; margin-bottom: 8px; }
.botm-body .place { color: var(--amber-600); font-weight: 700; font-size: 14px; margin-bottom: 18px; }
.botm-body p { font-size: 15px; margin-bottom: 16px; }
.botm-quote {
  border-left: 3px solid var(--amber); padding: 4px 0 4px 18px; margin: 22px 0 26px;
  font-family: var(--serif); font-style: italic; font-size: 17px; color: var(--ink);
}
.botm-quote cite { display: block; font-style: normal; font-family: var(--sans); font-weight: 700; font-size: 13.5px; color: var(--muted); margin-top: 10px; }
.botm-media { position: relative; }

/* ============================================================
   CONTACT CTA BAND
   ============================================================ */
.contact { position: relative; background: var(--navy-900); overflow: hidden; color: #fff; }
.contact-bg { position: absolute; inset: 0; }
.contact-bg::after { content:""; position:absolute; inset:0; background: linear-gradient(105deg, rgba(12,39,64,.95), rgba(12,39,64,.66)); }
.contact .wrap { position: relative; z-index: 2; }
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
.contact h2 { color: #fff; font-size: 40px; margin-bottom: 16px; }
.contact h2 em { font-style: italic; color: #f0d9b3; }
.contact > .wrap > .contact-grid p.lead { color: #cdddea; margin-bottom: 30px; }
.contact-ways { display: grid; gap: 14px; }
.way {
  display: flex; align-items: center; gap: 16px;
  background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.12);
  border-radius: 12px; padding: 18px 22px; transition: .15s;
}
.way:hover { background: rgba(255,255,255,.1); }
.way .wicon { width: 44px; height: 44px; border-radius: 10px; background: var(--amber); color: #fff; display: grid; place-items: center; flex: 0 0 auto; }
.way .wicon svg { width: 21px; height: 21px; }
.way b { color: #fff; font-size: 16px; display: block; }
.way span { color: #acc3d6; font-size: 14px; }

.appt-card { background: #fff; border-radius: var(--radius); padding: 36px; box-shadow: var(--shadow-lg); }
.appt-card h3 { font-size: 23px; margin-bottom: 6px; }
.appt-card .sub { color: var(--muted); font-size: 14px; margin-bottom: 22px; }
.appt-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.appt-card .btn { width: 100%; justify-content: center; margin-top: 6px; }

/* ============================================================
   FOOTER
   ============================================================ */
.footer { background: var(--navy-900); color: #aac0d2; padding: 70px 0 0; font-size: 14.5px; }
.footer-top { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1.2fr; gap: 40px; padding-bottom: 50px; border-bottom: 1px solid rgba(255,255,255,.1); }
.footer .brand-text strong { color: #fff; }
.footer-about { max-width: 300px; }
.footer-about p { margin: 18px 0; color: #93acc0; }
.footer-contact { display: grid; gap: 10px; }
.footer-contact div { display: flex; gap: 10px; align-items: flex-start; }
.footer-contact svg { width: 16px; height: 16px; color: var(--amber); margin-top: 3px; flex: 0 0 auto; }
.footer h4 { color: #fff; font-family: var(--sans); font-weight: 700; font-size: 13px; letter-spacing: .1em; text-transform: uppercase; margin-bottom: 18px; }
.footer-links { display: grid; gap: 11px; }
.footer-links a { color: #aac0d2; transition: .15s; }
.footer-links a:hover { color: #fff; }
.social-row { display: flex; gap: 12px; margin-top: 4px; }
.social-row a { width: 40px; height: 40px; border-radius: 10px; background: rgba(255,255,255,.08); display: grid; place-items: center; transition: .15s; }
.social-row a:hover { background: var(--amber); }
.social-row svg { width: 18px; height: 18px; color: #fff; }
.footer-bottom {
  display: flex; align-items: center; justify-content: space-between; gap: 20px;
  padding: 22px 0; color: #7e97ab; font-size: 13px; flex-wrap: wrap;
}
.footer-bottom .badges { display: flex; gap: 14px; align-items: center; }
.eh-badge { display: flex; align-items: center; gap: 7px; font-size: 12px; }
.eh-badge svg { width: 18px; height: 18px; color: #aac0d2; }

/* ============================================================
   IMAGE PLACEHOLDERS
   ============================================================ */
.ph {
  position: relative; background-color: var(--navy-100);
  background-image: repeating-linear-gradient(45deg, rgba(20,62,99,.05) 0 12px, rgba(20,62,99,.09) 12px 24px);
  display: grid; place-items: center; overflow: hidden;
}
.ph::before {
  content: attr(data-label);
  font-family: "Public Sans", monospace; font-size: 12px; font-weight: 700;
  letter-spacing: .06em; color: var(--navy-600); text-transform: uppercase;
  background: rgba(255,255,255,.82); padding: 7px 13px; border-radius: 6px;
  border: 1px dashed var(--navy-500); text-align: center; max-width: 80%;
}
.ph.dark { background-color: rgba(255,255,255,.05); background-image: repeating-linear-gradient(45deg, rgba(255,255,255,.04) 0 12px, rgba(255,255,255,.08) 12px 24px); }
.ph.dark::before { background: rgba(12,39,64,.5); color: #dceaf5; border-color: rgba(255,255,255,.4); }

.hero-bg.ph::before, .heritage-bg.ph::before, .contact-bg.ph::before { display: none; }

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 1080px) {
  .hero h1 { font-size: 48px; }
  .products { grid-template-columns: repeat(2, 1fr); }
  .stats { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 920px) {
  .nav, .utility-left .util-search { display: none; }
  .hero-grid, .welcome-card, .feature-split, .heritage-top, .quick-grid,
  .botm-card, .contact-grid, .footer-top { grid-template-columns: 1fr; }
  .quick-grid { grid-template-columns: repeat(2, 1fr); }
  .welcome-card { margin-top: -70px; padding: 38px; }
  .botm-media { min-height: 280px; }
}
@media (max-width: 620px) {
  .section { padding: 60px 0; }
  .hero h1 { font-size: 38px; }
  .products, .quick-grid, .stats, .appt-row { grid-template-columns: 1fr; }
  .section-head h2, .welcome-card h2, .feature-split h2, .heritage h2, .contact h2 { font-size: 28px; }
  .utility-right { gap: 12px; }
  .fdic small { display: none; }
}