/* ==========================================================================
   ADM Stocks — design system
   Clean, premium brokerage aesthetic (blue-brand palette, white surfaces,
   refined cards, data tables, charts). All code original.
   ========================================================================== */

:root {
  --navy: #0b2b52;
  --navy-2: #123a6d;
  --blue: #0071bc;
  --blue-dark: #005a9e;
  --blue-deep: #004b87;
  --sky: #e9f2fa;
  --sky-2: #f4f9fd;
  --gray: #f5f6f7;
  --line: #e0e5ea;
  --text: #1f2a37;
  --muted: #5b6b7c;
  --green: #1e8e3e;
  --red: #c5221f;
  --gold: #d9a021;
  --white: #ffffff;
  --shadow-sm: 0 1px 2px rgba(11, 43, 82, .06), 0 1px 3px rgba(11, 43, 82, .08);
  --shadow-md: 0 4px 12px rgba(11, 43, 82, .10), 0 2px 4px rgba(11, 43, 82, .06);
  --shadow-lg: 0 16px 40px rgba(11, 43, 82, .16);
  --radius: 10px;
  --radius-sm: 6px;
  --font: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
}

/* ---------- Reset / base ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--font);
  font-size: 16px;
  line-height: 1.55;
  color: var(--text);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: var(--blue); text-decoration: none; }
a:hover { text-decoration: underline; }
h1, h2, h3, h4 { color: var(--navy); line-height: 1.18; margin: 0 0 .45em; }
h1 { font-size: clamp(1.9rem, 3.4vw, 2.7rem); font-weight: 800; letter-spacing: -.02em; }
h2 { font-size: clamp(1.4rem, 2.2vw, 1.85rem); font-weight: 800; letter-spacing: -.015em; }
h3 { font-size: 1.08rem; font-weight: 700; }
p { margin: 0 0 1em; }
ul { margin: 0 0 1em; padding-left: 1.2em; }
li { margin-bottom: .35em; }
strong { color: var(--navy); }

.container { max-width: 1240px; margin: 0 auto; padding: 0 24px; }

.eyebrow {
  display: inline-block;
  font-size: .78rem;
  font-weight: 800;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--blue);
  margin-bottom: 12px;
}
.lead { font-size: 1.12rem; color: var(--muted); max-width: 640px; }
.sub { color: var(--muted); font-size: .95rem; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 11px 20px;
  border-radius: var(--radius-sm);
  font-family: inherit;
  font-size: .92rem;
  font-weight: 700;
  line-height: 1.2;
  border: 1px solid transparent;
  cursor: pointer;
  text-decoration: none;
  transition: background .18s, border-color .18s, color .18s, box-shadow .18s, transform .12s;
  white-space: nowrap;
}
.btn:active { transform: translateY(1px); }
.btn-primary { background: var(--blue); color: #fff; box-shadow: 0 2px 6px rgba(0, 113, 188, .35); }
.btn-primary:hover { background: var(--blue-dark); color: #fff; text-decoration: none; box-shadow: 0 4px 12px rgba(0, 113, 188, .4); }
.btn-outline { border-color: var(--blue); color: var(--blue); background: #fff; }
.btn-outline:hover { background: var(--sky); text-decoration: none; }
.btn-ghost { color: var(--navy); background: transparent; }
.btn-ghost:hover { background: var(--sky); text-decoration: none; }
.btn-white { background: #fff; color: var(--blue); }
.btn-white:hover { background: var(--sky); color: var(--blue-dark); text-decoration: none; }
.btn-lg { padding: 14px 26px; font-size: 1rem; }

.link { font-weight: 700; color: var(--blue); }
.link:hover { text-decoration: underline; }

/* ---------- Header ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: #fff;
  border-bottom: 1px solid var(--line);
  box-shadow: 0 1px 0 rgba(11, 43, 82, .03);
}
.util-bar { background: var(--navy); color: #cfe0f2; font-size: .78rem; }
.util-bar .container {
  display: flex;
  justify-content: space-between;
  align-items: center;
  min-height: 32px;
  padding-top: 4px;
  padding-bottom: 4px;
  gap: 16px;
}
.util-bar a { color: #e8f1fa; font-weight: 600; margin-left: 16px; }
.util-bar a:hover { color: #fff; text-decoration: none; }
.util-note { color: #9db8d4; }

.header-inner {
  display: flex;
  align-items: center;
  gap: 26px;
  min-height: 72px;
}
.brand {
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
  flex-shrink: 0;
}
.brand:hover { text-decoration: none; }
.brand-logo {
  width: 40px;
  height: 40px;
  border-radius: 9px;
  display: block;
  box-shadow: 0 2px 6px rgba(0, 113, 188, .35);
}
.site-footer .brand-logo { width: 36px; height: 36px; }
.brand .word {
  font-size: 1.32rem;
  font-weight: 900;
  letter-spacing: -.02em;
  color: var(--navy);
  line-height: 1;
}
.brand .word em { font-style: normal; color: var(--blue); }
.brand .tagline { display: block; font-size: .62rem; font-weight: 700; letter-spacing: .18em; text-transform: uppercase; color: var(--muted); margin-top: 2px; }

/* Primary nav */
.primary-nav { display: flex; align-items: stretch; gap: 2px; margin-left: auto; }
.nav-item { position: relative; }
.nav-item > a, .nav-item > .nav-category-toggle {
  display: flex;
  align-items: center;
  height: 72px;
  padding: 0 13px;
  font-size: .9rem;
  font-weight: 700;
  color: var(--navy);
  border-bottom: 3px solid transparent;
  transition: color .15s, border-color .15s;
}
.nav-item > .nav-category-toggle { list-style:none; cursor:pointer; border:0; background:transparent; font:inherit; text-align:left; }
.nav-item > a:hover, .nav-item > .nav-category-toggle:hover { color: var(--blue); text-decoration: none; border-bottom-color: var(--sky); }
.nav-item.active > a, .nav-item.active > .nav-category-toggle { color: var(--blue); border-bottom-color: var(--blue); }
.dropdown {
  position: absolute;
  top: 100%;
  left: 0;
  min-width: 240px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 0 0 var(--radius) var(--radius);
  box-shadow: var(--shadow-lg);
  padding: 10px 0;
  opacity: 0;
  visibility: hidden;
  transform: translateY(8px);
  transition: opacity .18s, transform .18s, visibility .18s;
  z-index: 90;
}
.nav-item:hover .dropdown, .nav-item:focus-within .dropdown {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}
.drop-title {
  font-size: .7rem;
  font-weight: 800;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--muted);
  padding: 8px 18px 4px;
}
.dropdown a {
  display: block;
  padding: 8px 18px;
  font-size: .9rem;
  font-weight: 600;
  color: var(--navy);
}
.dropdown a:hover { background: var(--sky-2); color: var(--blue); text-decoration: none; }

.header-actions { display: flex; align-items: center; gap: 10px; flex-shrink: 0; }
.icon-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 38px;
  height: 38px;
  border-radius: 8px;
  border: 1px solid var(--line);
  background: #fff;
  color: var(--navy);
  cursor: pointer;
  transition: background .15s, color .15s, border-color .15s;
}
.icon-btn:hover { background: var(--sky); color: var(--blue); border-color: #c3d8ea; }

/* Hamburger (hidden ≥1320px) */
.hamburger { display: none; }
.mobile-nav-tools, .mobile-nav-actions, .mobile-submenu-toggle { display: none; }

/* ---------- Search overlay ---------- */
.search-overlay {
  position: fixed;
  inset: 0;
  background: rgba(11, 43, 82, .55);
  backdrop-filter: blur(3px);
  z-index: 300;
  display: none;
  align-items: flex-start;
  justify-content: center;
  padding: 12vh 24px 24px;
}
.search-overlay.show { display: flex; }
.search-box {
  width: min(680px, 100%);
  background: #fff;
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
  overflow: hidden;
  animation: pop .2s ease-out;
}
@keyframes pop { from { transform: translateY(-10px); opacity: 0; } to { transform: none; opacity: 1; } }
.search-box form {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 18px 20px;
  border-bottom: 1px solid var(--line);
  color: var(--muted);
}
.search-box input {
  flex: 1;
  border: none;
  outline: none;
  font: inherit;
  font-size: 1.05rem;
  color: var(--text);
}
.search-box form button {
  border: none;
  background: var(--blue);
  color: #fff;
  font: inherit;
  font-weight: 700;
  font-size: .9rem;
  padding: 9px 18px;
  border-radius: var(--radius-sm);
  cursor: pointer;
}
.search-box form button:hover { background: var(--blue-dark); }
.search-results { padding: 14px 20px; font-size: .88rem; color: var(--muted); }
.search-results a { display: block; padding: 6px 0; font-weight: 600; }
.search-results a:hover { color: var(--blue); text-decoration: none; }

/* ---------- Market ticker tape ---------- */
.ticker-tape {
  background: var(--navy);
  color: #dbe7f3;
  overflow: hidden;
  white-space: nowrap;
  position: relative;
  border-bottom: 1px solid rgba(255, 255, 255, .08);
}
.ticker-tape .track {
  display: inline-block;
  padding: 9px 0;
  animation: marquee 42s linear infinite;
  will-change: transform;
}
.ticker-tape .track span { margin-right: 34px; font-size: .8rem; font-weight: 600; }
.ticker-tape .track .up { color: #63d68a; }
.ticker-tape .track .down { color: #ff9b95; }
@keyframes marquee { from { transform: translateX(0); } to { transform: translateX(-50%); } }
@media (prefers-reduced-motion: reduce) {
  .ticker-tape .track { animation: none; }
  html { scroll-behavior: auto; }
}

/* ---------- Home hero ---------- */
.hero {
  position: relative;
  background-size: cover;
  background-position: center;
  color: #fff;
  overflow: hidden;
}
.hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(90deg, rgba(11, 43, 82, .92) 0%, rgba(11, 43, 82, .62) 45%, rgba(11, 43, 82, .12) 78%);
}
.hero::after {
  content: "";
  position: absolute;
  inset: 0;
  background-image: linear-gradient(rgba(255,255,255,.05) 1px, transparent 1px),
                    linear-gradient(90deg, rgba(255,255,255,.05) 1px, transparent 1px);
  background-size: 44px 44px;
  pointer-events: none;
}
.hero .container {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: 1.15fr .85fr;
  gap: 56px;
  align-items: center;
  padding-top: 76px;
  padding-bottom: 84px;
}
.hero .eyebrow { color: #8fd0ff; }
.hero h1 { color: #fff; font-size: clamp(2.1rem, 4vw, 3.1rem); letter-spacing: -.025em; }
.hero .lead { color: #d4e5f5; font-size: 1.15rem; margin-bottom: 28px; }
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; }
.hero-card {
  background: rgba(255, 255, 255, .96);
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
  padding: 26px 28px;
  color: var(--text);
}
.hero-card h3 { font-size: .95rem; letter-spacing: .02em; margin-bottom: 16px; }
.ticker-row {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  padding: 12px 0;
  border-bottom: 1px solid var(--line);
  font-size: .92rem;
}
.ticker-row:last-child { border-bottom: none; }
.ticker-row .sym { font-weight: 800; color: var(--navy); }
.ticker-row .price { font-weight: 700; font-variant-numeric: tabular-nums; }
.up { color: var(--green); }
.down { color: var(--red); }
.hero-note { font-size: .74rem; color: var(--muted); margin-top: 12px; }

/* ---------- Sections ---------- */
.section { padding: 72px 0; }
.section.alt { background: var(--gray); }
.section.tint { background: var(--sky-2); }
.section-head { max-width: 720px; margin: 0 auto 40px; text-align: center; }
.section-head h2 { margin-bottom: 10px; }
.section-head p { color: var(--muted); margin: 0; }
.section-head .eyebrow { margin-bottom: 8px; }
.left-head { text-align: left; margin-left: 0; }

/* Cards */
.card-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 22px; }
.card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 26px 24px;
  box-shadow: var(--shadow-sm);
  transition: transform .18s, box-shadow .18s, border-color .18s;
}
.card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); border-color: #c9d9e8; }
.card h3 { margin-bottom: 8px; }
.card p { color: var(--muted); font-size: .92rem; margin-bottom: 14px; }
.card .link { font-size: .9rem; }
.card-grid.three { grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); }
.card-grid.four { grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); }

.icon-tile {
  width: 46px;
  height: 46px;
  border-radius: 10px;
  background: var(--sky);
  color: var(--blue);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 16px;
}
.card .icon { margin-bottom: 16px; }

/* Photo cards and image bands */
.card-photo { padding: 0; overflow: hidden; }
.card-img-wrap img { width: 100%; aspect-ratio: 16 / 9; object-fit: cover; display: block; }
.card-body { padding: 24px 24px 26px; }
.img-band {
  position: relative;
  background-size: cover;
  background-position: center;
  padding: 92px 0;
  color: #fff;
}
.img-band-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(90deg, rgba(11, 43, 82, .88) 0%, rgba(11, 43, 82, .55) 60%, rgba(11, 43, 82, .28) 100%);
}
.img-band .container { position: relative; z-index: 1; }
.img-band h2 { color: #fff; font-size: clamp(1.6rem, 2.6vw, 2.15rem); margin-bottom: 12px; }
.img-band p { color: #d4e5f5; font-size: 1.05rem; max-width: 540px; margin-bottom: 26px; }

/* Stat band */
.stat-band {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: 1px;
  background: var(--line);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
}
.stat {
  background: #fff;
  padding: 30px 26px;
  text-align: center;
}
.stat .num { font-size: 2rem; font-weight: 900; color: var(--blue); letter-spacing: -.02em; line-height: 1.1; }
.stat .lbl { font-size: .82rem; font-weight: 700; color: var(--muted); letter-spacing: .04em; text-transform: uppercase; margin-top: 6px; }

/* Split / media */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
.media {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow-md);
  padding: 20px;
}
.chart { width: 100%; height: auto; display: block; }

/* CTA band */
.cta-band {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  flex-wrap: wrap;
  background: linear-gradient(120deg, var(--navy), var(--blue-deep));
  border-radius: var(--radius);
  padding: 38px 44px;
  color: #fff;
  box-shadow: var(--shadow-md);
}
.cta-band h2 { color: #fff; margin-bottom: 6px; }
.cta-band p { color: #cfe0f2; margin: 0; }

/* ---------- Page hero ---------- */
.page-hero {
  position: relative;
  background: linear-gradient(180deg, var(--sky-2) 0%, var(--sky) 100%);
  border-bottom: 1px solid var(--line);
}
.page-hero.photo {
  background-size: cover;
  background-position: center;
  color: #fff;
}
.page-hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(90deg, rgba(11, 43, 82, .9) 0%, rgba(11, 43, 82, .55) 55%, rgba(11, 43, 82, .22) 100%);
}
.page-hero .container { position: relative; z-index: 1; padding-top: 46px; padding-bottom: 48px; }
.page-hero.photo .container { padding-top: 66px; padding-bottom: 72px; }
.page-hero h1 { margin-bottom: 10px; }
.page-hero.photo h1 { color: #fff; }
.page-hero p { color: var(--muted); font-size: 1.06rem; max-width: 680px; margin: 0; }
.page-hero.photo p { color: #d4e5f5; }
/* ---------- Content layout ---------- */
.content-layout {
  display: grid;
  grid-template-columns: 1fr 300px;
  gap: 48px;
  padding-top: 48px;
  padding-bottom: 72px;
  align-items: start;
}
.article h2 { margin-top: 8px; }
.article h3 { margin-top: 24px; }
.article p, .article li { color: #33414f; }
.article > *:first-child { margin-top: 0; }
.article .feature-list { list-style: none; padding: 0; margin: 18px 0 6px; }
.article .feature-list li {
  position: relative;
  padding-left: 30px;
  margin-bottom: 12px;
  color: #33414f;
}
.article .feature-list li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 3px;
  width: 18px;
  height: 18px;
  border-radius: 50%;
  background: var(--sky);
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 24 24' fill='none' stroke='%230071bc' stroke-width='3.4' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M20 6 9 17l-5-5'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: center;
}
.sidebar { display: grid; gap: 20px; position: sticky; top: 96px; }
.widget {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow-sm);
  padding: 22px 20px;
}
.widget h3 {
  font-size: .78rem;
  font-weight: 800;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--muted);
  margin-bottom: 14px;
}
.widget a {
  display: block;
  padding: 7px 0;
  font-size: .92rem;
  font-weight: 600;
  color: var(--navy);
  border-bottom: 1px solid #f0f3f6;
}
.widget a:last-child { border-bottom: none; }
.widget a:hover { color: var(--blue); text-decoration: none; }

/* ---------- Data tables ---------- */
.table-wrap { overflow-x: auto; border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow-sm); }
.data-table { width: 100%; border-collapse: collapse; background: #fff; font-size: .9rem; }
.data-table th {
  background: var(--gray);
  color: var(--muted);
  font-size: .72rem;
  font-weight: 800;
  letter-spacing: .08em;
  text-transform: uppercase;
  text-align: left;
  padding: 12px 16px;
  border-bottom: 1px solid var(--line);
  white-space: nowrap;
}
.data-table td { padding: 13px 16px; border-bottom: 1px solid #eef1f4; color: #33414f; }
.data-table tr:last-child td { border-bottom: none; }
.data-table tbody tr:hover { background: var(--sky-2); }
.data-table td.num, .data-table th.num { text-align: right; font-variant-numeric: tabular-nums; }
.data-table td .pos { color: var(--green); font-weight: 700; }
.data-table td .neg { color: var(--red); font-weight: 700; }
.data-table td strong { color: var(--navy); }

/* ---------- Login ---------- */
.auth-wrap {
  min-height: calc(100vh - 106px);
  display: grid;
  grid-template-columns: 1fr 1fr;
  background: var(--gray);
}
.auth-side {
  background:
    radial-gradient(800px 420px at 20% 0%, rgba(64, 145, 209, .5), transparent 60%),
    linear-gradient(135deg, var(--navy) 0%, var(--blue-deep) 100%);
  color: #fff;
  padding: 72px 8%;
  display: flex;
  flex-direction: column;
  justify-content: center;
}
.auth-side .eyebrow { color: #8fd0ff; }
.auth-side h2 { color: #fff; font-size: clamp(1.7rem, 2.8vw, 2.3rem); }
.auth-side p { color: #cfe0f2; }
.auth-side .points { list-style: none; padding: 0; margin: 26px 0 0; }
.auth-side .points li { padding-left: 30px; position: relative; margin-bottom: 14px; color: #e2edf7; }
.auth-side .points li::before {
  content: "";
  position: absolute; left: 0; top: 2px;
  width: 20px; height: 20px; border-radius: 50%;
  background: rgba(255, 255, 255, .14);
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='13' height='13' viewBox='0 0 24 24' fill='none' stroke='%23ffffff' stroke-width='3.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M20 6 9 17l-5-5'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: center;
}
.auth-panel { display: flex; align-items: center; justify-content: center; padding: 48px 24px; }
.auth-card {
  width: min(420px, 100%);
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow-md);
  padding: 40px 38px;
}
.auth-card.wide { width: min(580px, 100%); }
.auth-card h1 { font-size: 1.6rem; margin-bottom: 4px; }
.auth-card .sub { margin-bottom: 26px; }
.field { margin-bottom: 18px; }
.field label { display: block; font-size: .84rem; font-weight: 700; color: var(--navy); margin-bottom: 6px; }
.field input,
.field select {
  width: 100%;
  padding: 11px 14px;
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  font: inherit;
  font-size: .95rem;
  color: var(--text);
  outline: none;
  transition: border-color .15s, box-shadow .15s;
  background: #fff;
}
.field select { cursor: pointer; }
.field input:focus,
.field select:focus { border-color: var(--blue); box-shadow: 0 0 0 3px rgba(0, 113, 188, .15); }
.field.invalid input,
.field.invalid select { border-color: var(--red); box-shadow: 0 0 0 3px rgba(197, 34, 31, .12); }
.field .error { display: none; color: var(--red); font-size: .8rem; margin-top: 5px; font-weight: 600; }
.field.invalid .error { display: block; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin-bottom: 18px; }
.field-row .field { margin-bottom: 0; }
.check-row { margin: 2px 0 20px; }
.check-row .check {
  display: flex; align-items: flex-start; gap: 10px;
  font-size: .85rem; color: var(--text); cursor: pointer; line-height: 1.5;
}
.check-row .check input { margin-top: 3px; accent-color: var(--blue); width: 16px; height: 16px; flex-shrink: 0; }
.check-row .check a { font-weight: 700; }
.check-row .error { display: none; color: var(--red); font-size: .8rem; margin-top: 6px; font-weight: 600; }
.check-row.invalid .error { display: block; }
.check-row.invalid .check span { color: var(--red); }
.auth-card .btn { width: 100%; }
.auth-note { font-size: .85rem; color: var(--green); font-weight: 600; }
.auth-links { margin-top: 22px; font-size: .86rem; color: var(--muted); text-align: center; line-height: 1.9; }
.auth-links a { font-weight: 700; }
.secure-note {
  display: flex; align-items: center; gap: 8px;
  font-size: .76rem; color: var(--muted);
  justify-content: center; margin-top: 18px;
}

/* ---------- Dashboard ---------- */
.dash { padding-top: 40px; padding-bottom: 72px; }
.dash-toolbar { display: flex; align-items: center; justify-content: space-between; gap: 16px; margin-bottom: 26px; flex-wrap: wrap; }
.dash-toolbar h1 { margin: 0; font-size: 1.7rem; }
.balance-card {
  background: linear-gradient(120deg, var(--navy), var(--blue-deep));
  border-radius: var(--radius);
  color: #fff;
  padding: 30px 34px;
  box-shadow: var(--shadow-md);
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  gap: 20px;
  flex-wrap: wrap;
  margin-bottom: 24px;
}
.balance-card .label { font-size: .78rem; font-weight: 800; letter-spacing: .1em; text-transform: uppercase; color: #9db8d4; }
.balance-card .amount { font-size: 2.4rem; font-weight: 900; letter-spacing: -.02em; margin-top: 6px; }
.balance-card .delta { font-size: .9rem; color: #63d68a; font-weight: 700; }
.balance-card .right { text-align: right; }
.balance-card .mini { font-size: .8rem; color: #cfe0f2; margin-top: 4px; }
.kpi-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(180px, 1fr)); gap: 18px; margin-bottom: 24px; }
.kpi { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 20px 22px; box-shadow: var(--shadow-sm); }
.kpi .lbl { font-size: .74rem; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; color: var(--muted); margin-bottom: 8px; }
.kpi .val { font-size: 1.45rem; font-weight: 900; color: var(--navy); font-variant-numeric: tabular-nums; }
.kpi .val.pos { color: var(--green); }
.kpi .val.neg { color: var(--red); }
.dash-grid { display: grid; grid-template-columns: 1.4fr 1fr; gap: 24px; align-items: start; }
.panel { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow-sm); overflow: hidden; }
.panel .panel-head { display: flex; align-items: center; justify-content: space-between; padding: 18px 22px; border-bottom: 1px solid var(--line); }
.panel .panel-head h3 { margin: 0; font-size: 1rem; }
.panel .panel-head a { font-size: .84rem; font-weight: 700; }
.panel .panel-body { padding: 22px; }
.positions { width: 100%; border-collapse: collapse; font-size: .88rem; }
.positions th { text-align: left; font-size: .7rem; letter-spacing: .08em; text-transform: uppercase; color: var(--muted); padding: 10px 22px; background: var(--gray); border-bottom: 1px solid var(--line); }
.positions td { padding: 12px 22px; border-bottom: 1px solid #eef1f4; }
.positions tr:last-child td { border-bottom: none; }
.positions td .sym { font-weight: 800; color: var(--navy); }
.positions td .name { font-size: .78rem; color: var(--muted); }
.positions td.num { text-align: right; font-variant-numeric: tabular-nums; }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy); color: #b9cde4; }
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr repeat(4, 1fr);
  gap: 36px;
  padding-top: 60px;
  padding-bottom: 40px;
}
.site-footer h4 {
  color: #fff;
  font-size: .8rem;
  letter-spacing: .1em;
  text-transform: uppercase;
  margin-bottom: 16px;
}
.site-footer .about p { font-size: .86rem; color: #9db8d4; }
.site-footer .brand { margin-bottom: 16px; }
.site-footer .brand .word { color: #fff; }
.site-footer .brand .word em { color: #7cc0f0; }
.site-footer .brand .mark { background: linear-gradient(135deg, #2b8fd4, #005a9e); }
.footer-col a { display: block; color: #b9cde4; font-size: .88rem; padding: 4px 0; }
.footer-col a:hover { color: #fff; text-decoration: none; }
.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, .12);
  padding: 18px 0;
  display: flex;
  justify-content: space-between;
  gap: 16px;
  flex-wrap: wrap;
  font-size: .8rem;
}
.footer-bottom a { color: #b9cde4; margin-left: 18px; }
.footer-bottom a:hover { color: #fff; text-decoration: none; }
.footer-disclaimer { border-top: 1px solid rgba(255, 255, 255, .12); padding: 18px 0 34px; }
.footer-disclaimer p { font-size: .74rem; color: #7f9abc; margin: 0; max-width: 1000px; }

/* ---------- Focus ---------- */
:focus-visible { outline: 3px solid rgba(0, 113, 188, .45); outline-offset: 2px; border-radius: 4px; }

/* ---------- Mobile (≤1319px: off-canvas nav) ---------- */
@media (max-width: 1319px) {
  .hamburger { display: inline-flex; }
  .header-inner { min-height: 64px; gap: 14px; }
  .primary-nav {
    position: fixed;
    top: 0;
    left: 0;
    bottom: 0;
    width: min(328px, 70.4vw);
    background: #486171;
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    margin: 0;
    padding: 0 0 34px;
    overflow-y: auto;
    box-shadow: var(--shadow-lg);
    z-index: 210;
    transform: translateX(-100%);
    transition: transform .24s ease;
    display: flex;
  }
  .primary-nav.open { transform: translateX(0); }
  body.mobile-menu-open::after { content:""; position:fixed; top:0; right:0; bottom:0; left:min(328px, 70.4vw); background:rgba(5,18,33,.52); z-index:209; pointer-events:none; }
  body.mobile-menu-open { overflow:hidden; }
  .mobile-nav-tools { display:flex; min-height:76px; background:#3a5262; align-items:stretch; }
  .mobile-nav-close { width:78px; border:1px solid rgba(255,255,255,.7); background:#263b4b; color:#fff; font-size:34px; line-height:1; display:flex; flex-direction:column; align-items:center; justify-content:center; cursor:pointer; }
  .mobile-nav-close small { font-size:15px; font-weight:500; margin-top:3px; }
  .mobile-nav-brand { display:flex; align-items:center; padding:0 16px; color:#fff; font-size:22px; font-weight:800; }
  .mobile-nav-brand span { color:#72cff5; }
  .nav-item { position:relative; border-bottom:1px solid rgba(20,38,52,.42); }
  .nav-item > a, .nav-item > .nav-category-toggle { width:100%; height:auto; min-height:58px; padding:18px 66px 18px 24px; color:#fff; border-bottom:0; font-size:1.08rem; }
  .nav-item > .nav-category-toggle::after { content:'\203A'; position:absolute; right:22px; top:13px; font-size:28px; line-height:1; transform:rotate(90deg); transition:transform .18s ease; }
  .nav-item.open > .nav-category-toggle::after { transform:rotate(-90deg); }
  .nav-item.active > a, .nav-item.active > .nav-category-toggle { border-bottom-color:#f0f3f6; }
  .dropdown {
    position: static;
    min-width: 0;
    box-shadow: none;
    border: none;
    border-radius: 0;
    padding: 0;
    opacity: 1;
    visibility: visible;
    transform: none;
    display: none;
    background: #fff;
  }
  .nav-item.open .dropdown { display:block; }
  .dropdown .drop-title { display: none; }
  .dropdown a { display:block; padding:12px 24px 12px 38px; font-size:.92rem; color:var(--navy); border-bottom:1px solid #c8dbea; }
  .dropdown a:hover { background:#dceefa; }
  .mobile-nav-actions { display:grid; gap:15px; padding:25px 24px 4px; }
  .mobile-nav-actions a { display:flex; justify-content:center; align-items:center; min-height:56px; border-radius:30px; font-size:1.05rem; font-weight:800; text-decoration:none; }
  .mobile-open-account { background:#d56b00; color:#fff; }
  .mobile-login { background:#0874c9; color:#fff; border:2px solid #55b8f0; box-shadow:0 6px 18px rgba(8,116,201,.28); }
  .mobile-secondary { border:2px solid #fff; color:#fff; }
  .header-actions .btn-ghost { display: none; }
  .hero .container { grid-template-columns: 1fr; gap: 36px; padding-top: 56px; padding-bottom: 64px; }
  .split { grid-template-columns: 1fr; gap: 32px; }
  .content-layout { grid-template-columns: 1fr; }
  .sidebar { position: static; grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .dash-grid { grid-template-columns: 1fr; }
  .auth-wrap { grid-template-columns: 1fr; }
  .auth-side { padding: 48px 8%; }
  .auth-panel { padding: 32px 20px; }
}

@media (max-width: 640px) {
  .container { padding: 0 18px; }
  .section { padding: 52px 0; }
  .util-note { display: none; }
  .brand .tagline { display: none; }
  .header-actions .btn-ghost { display: none; }
  .header-actions .btn-primary { padding: 10px 14px; font-size: .84rem; }
  .hero .container { padding-top: 44px; padding-bottom: 52px; }
  .stat-band { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 26px; }
  .sidebar { grid-template-columns: 1fr; }
  .cta-band { padding: 30px 26px; }
  .auth-side { padding: 40px 24px; }
  .auth-card { padding: 30px 24px; }
  .field-row { grid-template-columns: 1fr; }
}

/* ==========================================================================
   Schwab-style header & wealth section (emulated layout, original code)
   ========================================================================== */
:root { --orange: #e67817; --orange-dark: #cf6507; }

/* --- Utility bar: Find a Branch / Contact Us / Chat | Search input | Log In --- */
.util-bar { background: #14263e; }
.util-bar .util-inner { min-height: 34px; padding-top: 4px; padding-bottom: 4px; }
.util-links { display: flex; align-items: center; }
.util-links a {
  color: #e8f1fa; font-size: .78rem; font-weight: 600;
  padding: 2px 14px; border-left: 1px solid rgba(255, 255, 255, .22); margin-left: 0;
}
.util-links a:first-child { border-left: none; padding-left: 0; }
.util-links a:hover { color: #fff; text-decoration: none; }
.util-right { display: flex; align-items: center; gap: 16px; }
.util-search { position: relative; margin: 0; }
.util-search .util-ico {
  position: absolute; left: 9px; top: 50%; transform: translateY(-50%);
  color: #b9cde4; pointer-events: none;
}
.util-search input {
  width: 210px; height: 26px; border-radius: 4px;
  border: 1px solid rgba(255, 255, 255, .28); background: rgba(255, 255, 255, .10);
  color: #fff; font: inherit; font-size: .78rem; padding: 0 8px 0 28px; outline: none;
  transition: border-color .15s, background .15s;
}
.util-search input::placeholder { color: #9db8d4; }
.util-search input:focus { border-color: #7cc0f0; background: rgba(255, 255, 255, .16); }
.util-login { color: #fff; font-size: .8rem; font-weight: 700; margin: 0; }
.util-login:hover { color: #7cc0f0; text-decoration: none; }

/* --- Main nav row: brand | links | orange Open an Account --- */
.header-inner { min-height: 76px; gap: 20px; }
.primary-nav .nav-item > a { height: 76px; font-size: .88rem; padding: 0 14px; }
.util-search-btn { display: none; }
.btn-orange { background: var(--orange); color: #fff; box-shadow: 0 2px 6px rgba(230, 120, 23, .35); }
.btn-orange:hover { background: var(--orange-dark); color: #fff; text-decoration: none; box-shadow: 0 4px 12px rgba(230, 120, 23, .4); }

/* --- Wealth section: "Manage your wealth, your way." --- */
.wealth-section .section-head { margin-bottom: 34px; }
.wealth-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.wealth-card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  overflow: hidden; box-shadow: var(--shadow-sm);
  display: flex; flex-direction: column;
  transition: transform .18s, box-shadow .18s, border-color .18s;
}
.wealth-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); border-color: #c9d9e8; }
.wealth-img img { width: 100%; aspect-ratio: 16 / 10; object-fit: cover; display: block; }
.wealth-body { padding: 22px 22px 24px; display: flex; flex-direction: column; flex: 1; }
.wealth-body h3 { font-size: 1.02rem; margin-bottom: 12px; }
.check-list { list-style: none; padding: 0; margin: 0 0 18px; flex: 1; }
.check-list li {
  position: relative; padding-left: 26px; margin-bottom: 10px;
  font-size: .88rem; color: #33414f; line-height: 1.45;
}
.check-list li::before {
  content: ""; position: absolute; left: 0; top: 2px; width: 17px; height: 17px; border-radius: 50%;
  background: var(--sky);
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='11' height='11' viewBox='0 0 24 24' fill='none' stroke='%230071bc' stroke-width='3.4' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M20 6 9 17l-5-5'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: center;
}
.link-arrow { font-weight: 700; color: var(--blue); font-size: .92rem; }
.link-arrow:hover { text-decoration: underline; }

@media (max-width: 1319px) {
  .util-search-btn { display: inline-flex; }
  .util-search { display: none; }
  .wealth-grid { grid-template-columns: repeat(2, 1fr); }
  .primary-nav .nav-item > a { height: auto; }
}
@media (max-width: 640px) {
  .util-links { display: none; }
  .util-login { display:none !important; }
  .wealth-grid { grid-template-columns: 1fr; }
}

/* ==========================================================================
   Benefits, solutions, learn hub, dropdown polish, wealth face crop
   ========================================================================== */
.wealth-card .wealth-img { background: #dfe8f2; }
.wealth-card .wealth-img img { object-position: center 30%; object-fit: cover; }
.wealth-card .wealth-img img.wealth-face { object-position: top center; }

.dropdown a.drop-overview {
  color: var(--navy);
  font-weight: 800;
  border-bottom: 1px solid var(--line);
  margin-bottom: 4px;
  padding-bottom: 12px;
}
.dropdown { min-width: 260px; }

.benefits-section .section-head p {
  max-width: 820px;
  color: var(--muted);
  font-size: 1.02rem;
  line-height: 1.55;
}
.benefits-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  margin-top: 28px;
}
.benefit-card {
  background: #eef4fa;
  border-radius: 12px;
  padding: 36px 28px 32px;
  text-align: center;
  border: 1px solid #d9e6f2;
}
.benefit-kicker {
  font-size: .72rem;
  font-weight: 800;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--navy);
  margin-bottom: 10px;
}
.benefit-card h3 {
  font-size: 1.28rem;
  margin: 0 0 22px;
  color: var(--navy);
}
.solutions-section { border-top: 1px solid var(--line); }
.solutions-section .section-head h2 {
  max-width: 760px;
  margin-left: auto;
  margin-right: auto;
  text-align: center;
}
.solutions-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin-top: 28px;
}
.solution-card {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  background: #eef4fa;
  border-radius: 12px;
  padding: 36px 24px 28px;
  border: 1px solid #d9e6f2;
  color: inherit;
  transition: transform .15s, box-shadow .15s, border-color .15s;
}
.solution-card:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
  border-color: #c5d7e8;
  text-decoration: none;
  color: inherit;
}
.solution-ico {
  width: 56px;
  height: 56px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--blue);
  margin-bottom: 16px;
}
.solution-card h3 {
  font-size: 1.15rem;
  margin: 0 0 12px;
  color: var(--navy);
}
.solution-card .link-arrow { font-size: .92rem; }

/* Learn hub extras */
.learn-subnav {
  background: #2a3f55;
  border-bottom: 1px solid rgba(255,255,255,.08);
}
.learn-subnav .container {
  display: flex;
  align-items: stretch;
  gap: 2px;
  overflow-x: auto;
}
.learn-subnav a {
  color: #d7e4f2;
  font-size: .88rem;
  font-weight: 700;
  padding: 14px 18px;
  white-space: nowrap;
  border-bottom: 3px solid transparent;
}
.learn-subnav a:hover { color: #fff; text-decoration: none; }
.learn-subnav a.active {
  color: #fff;
  border-bottom-color: #7cc0f0;
  background: rgba(0,0,0,.12);
}
.learn-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}
.learn-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  transition: transform .15s, box-shadow .15s;
}
.learn-card:hover { transform: translateY(-2px); box-shadow: var(--shadow-md); }
.learn-card img {
  width: 100%;
  aspect-ratio: 16 / 10;
  object-fit: cover;
  display: block;
}
.learn-card .body { padding: 18px 18px 20px; flex: 1; display: flex; flex-direction: column; }
.learn-card .tag {
  font-size: .7rem;
  font-weight: 800;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--blue);
  margin-bottom: 8px;
}
.learn-card h3 { font-size: 1.02rem; margin: 0 0 8px; }
.learn-card p { color: var(--muted); font-size: .9rem; flex: 1; margin: 0 0 12px; }
.learn-card a { font-weight: 700; color: var(--blue); }

@media (max-width: 980px) {
  .benefits-grid { grid-template-columns: 1fr; }
  .solutions-grid { grid-template-columns: 1fr; }
  .learn-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 640px) {
  .learn-grid { grid-template-columns: 1fr; }
}

/* ===== Learn hub: features, grids, article pages ===== */
.learn-feature-grid { display: grid; grid-template-columns: 1fr; gap: 26px; }
.learn-feature-grid.two { grid-template-columns: repeat(2, 1fr); }
.learn-feature {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  transition: transform .15s, box-shadow .15s;
}
.learn-feature:hover { transform: translateY(-2px); box-shadow: var(--shadow-md); }
.learn-feature .thumb { position: relative; display: block; }
.learn-feature .thumb img { width: 100%; aspect-ratio: 21 / 9; object-fit: cover; display: block; }
.learn-feature .body { padding: 20px 22px 22px; flex: 1; display: flex; flex-direction: column; }
.learn-feature .tag {
  font-size: .7rem; font-weight: 800; letter-spacing: .1em; text-transform: uppercase;
  color: var(--blue); margin-bottom: 8px;
}
.learn-feature h3 { font-size: 1.25rem; margin: 0 0 8px; }
.learn-feature p { color: var(--muted); font-size: .95rem; flex: 1; margin: 0 0 12px; }
.learn-feature .meta, .learn-card .meta {
  display: flex; justify-content: space-between; align-items: center; margin-top: 12px;
}
.learn-feature .meta .date, .learn-card .meta .date { color: var(--muted); font-size: .8rem; }
.learn-feature .meta .more, .learn-card .meta .more { font-weight: 700; color: var(--blue); font-size: .88rem; }
.learn-card .thumb { position: relative; display: block; }
.learn-card .thumb img { aspect-ratio: 16 / 9; }
.section-head.left-head { text-align: left; margin-left: 0; margin-right: 0; }
.section-head.with-more { display: flex; justify-content: space-between; align-items: flex-end; gap: 20px; max-width: none; }
.section-head.with-more .sec-more {
  white-space: nowrap; font-weight: 700; color: var(--blue); font-size: .9rem; margin-bottom: 4px;
}
.learn-grid.two-video { grid-template-columns: repeat(2, 1fr); }

/* ===== Article detail pages ===== */
.article-hero {
  position: relative; background-size: cover; background-position: center; padding: 84px 0 72px;
}
.article-hero-overlay {
  position: absolute; inset: 0; background: linear-gradient(180deg, rgba(11, 43, 82, .84), rgba(11, 43, 82, .62));
}
.article-hero .container { position: relative; z-index: 1; }
.article-hero h1 { color: #fff; font-size: clamp(1.7rem, 3.2vw, 2.5rem); letter-spacing: -.02em; max-width: 860px; margin: 0 0 12px; }
.article-hero .dek { color: #d4e5f5; font-size: 1.08rem; max-width: 700px; margin: 0 0 18px; }
.article-hero .byline { display: flex; align-items: center; gap: 12px; color: #d4e5f5; font-size: .85rem; }
.article-hero .byline .tag { color: #8fd0ff; }
.article-layout {
  display: grid; grid-template-columns: minmax(0, 1fr) 320px; gap: 48px;
  padding-top: 44px; padding-bottom: 56px; align-items: start;
}
.article-body { font-size: 1.02rem; line-height: 1.75; color: #33424f; }
.article-body p { margin: 0 0 18px; }
.art-fig { margin: 24px 0 26px; }
.art-fig img { width: 100%; height: auto; border-radius: var(--radius); border: 1px solid #d6e8f7; display: block; box-shadow: var(--shadow-sm); }
.art-fig-cap { margin-top: 8px; font-size: .76rem; color: #5b6b7c; letter-spacing: .02em; }
.takeaways {
  background: var(--sky-2); border: 1px solid #d6e8f7; border-left: 4px solid var(--blue);
  border-radius: var(--radius); padding: 20px 24px; margin: 26px 0 0;
}
.takeaways h3 { font-size: .82rem; letter-spacing: .08em; text-transform: uppercase; color: var(--navy); margin: 0 0 12px; }
.takeaways ul { margin: 0; padding-left: 20px; }
.takeaways li { font-size: .95rem; color: #33424f; margin-bottom: 8px; }
.article-aside .widget {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  box-shadow: var(--shadow-sm); padding: 20px 22px; margin-bottom: 22px;
}
.article-aside .widget h3 { font-size: .8rem; letter-spacing: .08em; text-transform: uppercase; color: var(--navy); margin: 0 0 12px; }
.article-aside .widget p { font-size: .88rem; color: var(--muted); margin: 0 0 12px; }
.article-aside .widget a {
  display: block; font-size: .88rem; font-weight: 700; color: var(--blue);
  padding: 7px 0; border-bottom: 1px solid var(--line);
}
.article-aside .widget a:last-child { border-bottom: 0; }

/* ===== Expanded footer: brand head, social, 6 columns, legal, FDIC ===== */
.footer-head {
  display: flex; align-items: center; gap: 22px; flex-wrap: wrap;
  padding-top: 48px; padding-bottom: 26px; border-bottom: 1px solid rgba(255, 255, 255, .12);
}
.footer-head .brand { margin-bottom: 0; }
.footer-slogan { color: #7cc0f0; font-size: 1.05rem; font-weight: 700; margin: 0; }
.footer-social { margin-left: auto; display: flex; gap: 10px; }
.footer-social .social {
  display: inline-flex; align-items: center; justify-content: center;
  width: 36px; height: 36px; border-radius: 50%;
  border: 1px solid rgba(255, 255, 255, .22); color: #b9cde4;
  transition: background .15s, color .15s, border-color .15s;
}
.footer-social .social:hover { background: #7cc0f0; border-color: #7cc0f0; color: #0b2b52; text-decoration: none; }
.footer-social .social svg { width: 16px; height: 16px; }
.footer-grid { grid-template-columns: repeat(6, 1fr); }
.footer-legal {
  border-top: 1px solid rgba(255, 255, 255, .12); padding: 16px 0;
  display: flex; flex-wrap: wrap; gap: 8px 22px; font-size: .8rem;
}
.footer-legal a { color: #b9cde4; }
.footer-legal a:hover { color: #fff; text-decoration: none; }
.fdic-box { display: flex; gap: 14px; align-items: flex-start; border-top: 1px solid rgba(255, 255, 255, .12); padding: 18px 0; }
.fdic-badge {
  flex: 0 0 auto; background: #0f5b8f; color: #fff; font-weight: 900; font-size: .8rem;
  letter-spacing: .04em; padding: 6px 10px; border-radius: 6px; border: 1px solid rgba(255, 255, 255, .35);
}
.fdic-box p { font-size: .74rem; color: #7f9abc; margin: 0; max-width: 1000px; line-height: 1.5; }
.footer-bottom .footer-tagline { color: #7f9abc; }

/* ===== Learn subnav dropdowns ===== */
.learn-subnav .container { overflow-x: visible; flex-wrap: wrap; }
.learn-subnav .drop-wrap { position: relative; display: flex; }
.learn-subnav .drop-wrap .top { display: inline-flex; align-items: center; gap: 6px; }
.learn-subnav .drop-wrap .top::after {
  content: "\25BE"; font-size: .7rem; color: #8fb3d4; transition: transform .15s;
}
.learn-subnav .drop-wrap:hover .top::after { transform: rotate(180deg); }
.learn-subnav .drop-wrap:hover .top { color: #fff; }
.learn-subnav .drop-wrap.active .top {
  color: #fff; border-bottom-color: #7cc0f0; background: rgba(0, 0, 0, .12);
}
.learn-subnav .sub-drop {
  display: none; position: absolute; top: 100%; left: 0; min-width: 270px;
  background: #fff; border-radius: 0 0 var(--radius) var(--radius);
  box-shadow: var(--shadow-lg); padding: 8px 0; z-index: 60;
}
.learn-subnav .drop-wrap:hover .sub-drop,
.learn-subnav .drop-wrap:focus-within .sub-drop { display: block; }
.learn-subnav .sub-drop a {
  display: block; color: #33424f; font-size: .88rem; font-weight: 600;
  padding: 10px 18px; border-bottom: 1px solid #eef3f8; white-space: normal;
}
.learn-subnav .sub-drop a:last-child { border-bottom: 0; }
.learn-subnav .sub-drop a:hover { background: var(--sky-2); color: var(--blue); }
.learn-subnav .sub-drop .drop-all { font-weight: 800; color: var(--blue); }

@media (max-width: 1100px) {
  .footer-grid { grid-template-columns: repeat(3, 1fr); }
  .learn-feature-grid.two { grid-template-columns: 1fr; }
  .article-layout { grid-template-columns: 1fr; }
}
@media (max-width: 980px) {
  .footer-grid { grid-template-columns: repeat(2, 1fr); }
  .learn-grid.two-video { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 640px) {
  .footer-grid { grid-template-columns: 1fr; }
  .footer-social { margin-left: 0; }
  .article-hero { padding: 56px 0 48px; }
  .learn-grid.two-video { grid-template-columns: 1fr; }
}

/* ==========================================================================
   Screenshot 2/3/4 components: wealth layout + sidebar, transfer split,
   steps timeline, feature highlight, FAQ accordions
   ========================================================================== */

/* Wealth cards with sidebar */
.wealth-layout { display: grid; grid-template-columns: 1fr 300px; gap: 32px; align-items: start; }
.wealth-side {
  background: linear-gradient(160deg, var(--navy), var(--blue-deep));
  color: #fff; border-radius: var(--radius); padding: 28px 26px;
  box-shadow: var(--shadow-md); position: sticky; top: 24px;
}
.wealth-side h3 { font-size: 1.15rem; line-height: 1.35; margin: 0 0 18px; color: #fff; }
.wealth-side-links { display: flex; flex-direction: column; gap: 2px; margin-bottom: 22px; }
.wealth-side-links a {
  color: #cfe4f5; text-decoration: none; font-size: .92rem; font-weight: 600;
  padding: 9px 10px; border-radius: var(--radius-sm); border-left: 3px solid transparent;
}
.wealth-side-links a:hover { color: #fff; background: rgba(255,255,255,.08); border-left-color: var(--gold); }
.wealth-side .btn { width: 100%; justify-content: center; }
.wealth-side .btn-outline { border-color: rgba(255,255,255,.5); color: #fff; }
.wealth-side .btn-outline:hover { background: rgba(255,255,255,.12); border-color: #fff; }

/* Split transfer hero */
.transfer-split .container { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
.transfer-copy .eyebrow { margin-bottom: 10px; }
.transfer-copy h2 { font-size: 2.1rem; line-height: 1.2; margin: 0 0 20px; }
.transfer-img img {
  width: 100%; aspect-ratio: 4 / 3; object-fit: cover; border-radius: var(--radius);
  box-shadow: var(--shadow-lg); display: block;
}

/* Three-step timeline */
.steps-timeline { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; margin-top: 8px; }
.step {
  background: var(--white); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 30px 26px; box-shadow: var(--shadow-sm);
}
.step-num {
  width: 44px; height: 44px; border-radius: 50%; background: var(--blue); color: #fff;
  font-weight: 800; font-size: 1.05rem; display: flex; align-items: center; justify-content: center;
  margin-bottom: 18px; box-shadow: 0 4px 10px rgba(0, 113, 188, .35);
}
.step h3 { font-size: 1.05rem; margin: 0 0 10px; }
.step p { color: var(--muted); font-size: .92rem; margin: 0; }

/* Feature highlight split */
.feature-highlight .container { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
.feature-img img {
  width: 100%; aspect-ratio: 4 / 3; object-fit: cover; border-radius: var(--radius);
  box-shadow: var(--shadow-lg); display: block;
}
.feature-copy .eyebrow { margin-bottom: 10px; }
.feature-copy h2 { font-size: 2rem; line-height: 1.2; margin: 0 0 16px; }
.feature-copy p { color: var(--muted); margin: 0 0 24px; font-size: 1.02rem; }

/* FAQ accordion */
.faq-list { max-width: 860px; margin: 0 auto; }
.faq-item {
  border: 1px solid var(--line); border-radius: var(--radius); background: var(--white);
  margin-bottom: 12px; overflow: hidden;
}
.faq-item summary {
  list-style: none; cursor: pointer; padding: 20px 24px; font-weight: 700; font-size: 1rem;
  display: flex; justify-content: space-between; align-items: center; gap: 16px; color: var(--text);
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: "+"; font-size: 1.4rem; font-weight: 400; color: var(--blue); line-height: 1;
  transition: transform .2s ease; flex-shrink: 0;
}
.faq-item[open] summary::after { transform: rotate(45deg); }
.faq-item[open] summary { border-bottom: 1px solid var(--line); }
.faq-a { padding: 0 24px 22px; color: var(--muted); font-size: .95rem; }

@media (max-width: 980px) {
  .wealth-layout { grid-template-columns: 1fr; }
  .wealth-side { position: static; }
  .transfer-split .container,
  .feature-highlight .container { grid-template-columns: 1fr; gap: 32px; }
  .steps-timeline { grid-template-columns: 1fr; }
  .transfer-copy h2, .feature-copy h2 { font-size: 1.6rem; }
}

/* ===== Certification block (Trust Center / About Us) ===== */
.cert-block { margin: 26px 0 8px; }
.cert-block a {
  display: flex; align-items: center; justify-content: space-between; gap: 14px;
  padding: 20px 24px;
  background: linear-gradient(135deg, #0b6b3a, #0e9f5f);
  color: #fff; font-size: 1.08rem; font-weight: 800; letter-spacing: .02em;
  text-decoration: none; border-radius: 12px;
  box-shadow: 0 1px 3px rgba(11, 107, 58, .12);
  transition: background .15s;
}
.cert-block a:hover, .cert-block a:focus-visible { background: linear-gradient(135deg, #0c7a43, #12ad68); text-decoration: none; }
.cert-block a:focus-visible { outline: 2px solid #ffc72c; outline-offset: 2px; }
.global-verification { padding: 4px 0 10px; }
.global-verification h2 { margin-top: 8px; color: var(--navy); }
.verification-checks { list-style: none; padding: 0; margin: 24px 0; display: grid; gap: 10px; }
.verification-checks li { position: relative; padding: 12px 14px 12px 43px; border: 1px solid #d9e5ef; border-radius: 9px; background: #f6fafe; font-weight: 700; color: #153b63; }
.verification-checks li::before { content: '\2713'; position: absolute; left: 15px; top: 9px; color: #13864c; font-size: 1.25rem; }
.verification-status { display: flex; align-items: center; justify-content: space-between; gap: 16px; margin: 25px 0 18px; padding: 17px 19px; color: #fff; background: linear-gradient(135deg, #0b2b52, #0b5f99); border-radius: 10px; text-transform: uppercase; letter-spacing: .05em; }
.verification-status strong { padding: 6px 12px; color: #075f36; background: #dff7e9; border-radius: 999px; }
.verification-disclaimer { padding: 15px 17px; border-left: 4px solid #b8902e; background: #fff8e6; color: #5f4a16; font-size: .9rem; }
@media (max-width: 560px) { .verification-status { align-items: flex-start; flex-direction: column; } }
.contact-email-panel { margin-top: 30px; padding: 24px; border: 1px solid #d6e3ee; border-radius: 12px; background: linear-gradient(145deg, #f5faff, #fff); }
.contact-email-panel h2 { margin: 7px 0 18px; color: var(--navy); }
.contact-email-grid { display: grid; gap: 12px; }
.contact-email-grid a { display: flex; align-items: center; justify-content: space-between; gap: 18px; padding: 14px 16px; border: 1px solid #d7e2ec; border-radius: 9px; background: #fff; color: var(--navy); text-decoration: none; }
.contact-email-grid a:hover, .contact-email-grid a:focus-visible { border-color: var(--blue); box-shadow: 0 5px 16px rgba(12, 76, 135, .1); }
.contact-email-grid span { color: var(--blue); overflow-wrap: anywhere; }
@media (max-width: 560px) { .contact-email-panel { padding: 18px; } .contact-email-grid a { align-items: flex-start; flex-direction: column; gap: 4px; } }
.cert-arrow { color: #ffc72c; width: 14px; height: 14px; margin-left: 4px; vertical-align: -2px; flex-shrink: 0; }

.loan-ribbon{background:#eaf4ff;border-bottom:1px solid #bdd7ef;color:#17395e;padding:10px 0;font-size:.9rem}.loan-ribbon .container{display:flex;align-items:center;gap:8px;justify-content:center;flex-wrap:wrap}.loan-ribbon a{font-weight:800;color:#005aa9}.loan-ribbon strong{color:#0b2b52}
.loan-article-hero{min-height:570px;background-position:center 68%;display:flex;align-items:flex-end}.loan-article-hero .article-hero-overlay{background:linear-gradient(90deg,rgba(7,26,48,.82) 0%,rgba(7,26,48,.5) 55%,rgba(7,26,48,.18) 100%)}.loan-article-hero .container{padding-bottom:64px}.loan-article-hero .dek{max-width:720px}.loan-article-hero .hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:24px}.loan-editorial .lead{font-size:1.18rem;line-height:1.75;color:#263b50}.loan-editorial .art-fig img{max-height:620px;object-fit:cover;object-position:center}.loan-apply-widget .btn{width:100%;margin:10px 0 14px}.loan-feature-image{border-radius:18px;overflow:hidden;box-shadow:0 18px 45px rgba(11,43,82,.18)}.loan-feature-image img{display:block;width:100%;height:420px;object-fit:cover;object-position:center 64%}.loan-healthcare .wealth-layout{align-items:center}.loan-healthcare h2{font-size:clamp(2rem,4vw,3.2rem);margin:10px 0 16px}.loan-healthcare p{font-size:1.08rem;line-height:1.7;margin-bottom:22px}@media(max-width:760px){.loan-article-hero{min-height:520px}.loan-article-hero .container{padding-bottom:38px}.loan-feature-image img{height:300px}}

/* Preserve the original compact layout while preventing horizontal overflow. */
html,body{max-width:100%;overflow-x:hidden}
img,svg,video,canvas{max-width:100%}
table{max-width:100%}
@media(max-width:640px){
  .btn{max-width:100%;white-space:normal;text-align:center}
  .header-actions .btn-orange{display:none}
  .header-actions{gap:4px}
  .header-inner{gap:8px}
  .content-layout,.article,.sidebar{min-width:0;width:100%}
  .article .table-wrap{max-width:100%;overflow-x:auto}
}

/* Members-only confirmation shown after a valid login or registration click. */
.membership-modal{position:fixed;inset:0;z-index:10000;display:grid;place-items:center;padding:20px;background:rgba(3,18,38,.76);backdrop-filter:blur(7px)}
.membership-card{position:relative;width:min(660px,100%);max-height:calc(100vh - 40px);overflow:auto;padding:38px;border:1px solid rgba(126,201,244,.55);border-radius:22px;color:#eef8ff;background:linear-gradient(145deg,#071d3b,#0b3f73 62%,#087fc2);box-shadow:0 28px 90px rgba(0,0,0,.48)}
.membership-card h2{margin:10px 0 5px;color:#fff;font-size:clamp(1.7rem,5vw,2.5rem)}.membership-card h3{margin:0 0 18px;color:#9fdcff}.membership-card p{color:#d8e9f7;line-height:1.65}
.membership-close{position:absolute;top:14px;right:16px;width:40px;height:40px;border:1px solid rgba(255,255,255,.35);border-radius:50%;color:#fff;background:rgba(0,0,0,.18);font-size:27px;cursor:pointer}
.membership-badge{display:inline-block;padding:7px 12px;border-radius:999px;color:#062a4c;background:#86d8ff;font-size:.75rem;font-weight:900;letter-spacing:.08em;text-transform:uppercase}
.membership-checks{display:grid;grid-template-columns:1fr 1fr;gap:9px;margin:20px 0}.membership-checks span{padding:10px 12px;border-radius:9px;background:rgba(255,255,255,.1);font-size:.84rem}.membership-checks span:before{content:'\2713';margin-right:7px;color:#76e3ae;font-weight:900}
.membership-process{margin:18px 0;padding:15px;border:1px solid rgba(255,255,255,.22);border-radius:11px;text-align:center;font-weight:800}.membership-process b{color:#7fd6ff}.membership-small{font-size:.83rem}
.membership-actions{display:flex;align-items:center;gap:12px;margin-top:22px}.membership-actions button,.membership-actions a{flex:1;padding:14px 16px;border-radius:10px;text-align:center;font-weight:800;text-decoration:none}.membership-primary{border:0;color:#073158;background:#fff;cursor:pointer}.membership-actions a{border:1px solid rgba(255,255,255,.55);color:#fff}.membership-footer{display:block;margin-top:22px;color:#a8dcfa;text-align:center;font-size:.75rem;letter-spacing:.1em}
@media(max-width:600px){.membership-card{padding:30px 20px}.membership-checks{grid-template-columns:1fr}.membership-actions{flex-direction:column}.membership-actions button,.membership-actions a{width:100%}}