/* 
   North Point Trust Premium Styling
   Design Aesthetics: Bright, Clean, Modern, Premium
*/

@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600&family=Plus+Jakarta+Sans:wght@500;600;700;800&display=swap');

:root {
    /* Brand Colors */
    --primary: #0b5ed7;
    --primary-hover: #0248ab;
    --primary-light: #e8f1ff;
    --accent: #ff6b3b;
    --accent-hover: #e04f1e;
    --accent-light: #fff0eb;
    
    /* Semantic Colors */
    --success: #10b981;
    --success-light: #d1fae5;
    --warning: #f59e0b;
    --info: #06b6d4;
    
    /* Neutrals */
    --bg-main: #f8fafc;
    --bg-card: #ffffff;
    --bg-dark: #0f172a;
    --text-primary: #1e293b;
    --text-secondary: #64748b;
    --text-light: #ffffff;
    --border-color: #e2e8f0;
    
    /* Layout & Effects */
    --font-heading: 'Plus Jakarta Sans', sans-serif;
    --font-body: 'Inter', sans-serif;
    
    --shadow-sm: 0 1px 3px rgba(0,0,0,0.05), 0 1px 2px rgba(0,0,0,0.03);
    --shadow-md: 0 10px 15px -3px rgba(15, 23, 42, 0.05), 0 4px 6px -4px rgba(15, 23, 42, 0.05);
    --shadow-lg: 0 20px 25px -5px rgba(15, 23, 42, 0.08), 0 8px 10px -6px rgba(15, 23, 42, 0.08);
    --shadow-glow: 0 0 20px rgba(11, 94, 215, 0.2);
    
    --radius-sm: 8px;
    --radius-md: 16px;
    --radius-lg: 24px;
    
    --transition-fast: 0.2s cubic-bezier(0.4, 0, 0.2, 1);
    --transition-normal: 0.3s cubic-bezier(0.4, 0, 0.2, 1);
    
    --container-max: 1280px;
}

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

html {
    scroll-behavior: smooth;
    font-size: 16px;
}

html, body {
    font-family: var(--font-body);
    background-color: var(--bg-main);
    color: var(--text-primary);
    line-height: 1.6;
    overflow-x: hidden;
    width: 100%;
}

h1, h2, h3, h4, h5, h6 {
    font-family: var(--font-heading);
    font-weight: 700;
    line-height: 1.25;
    color: var(--bg-dark);
}

a {
    color: inherit;
    text-decoration: none;
    transition: var(--transition-fast);
}

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

button, input, select {
    font-family: inherit;
    font-size: inherit;
    outline: none;
    border: none;
}

/* Layout Utilities */
.container {
    max-width: var(--container-max);
    margin: 0 auto;
    padding: 0 2rem;
}

.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 0.8rem 1.6rem;
    border-radius: var(--radius-sm);
    font-weight: 600;
    cursor: pointer;
    transition: var(--transition-normal);
    gap: 0.5rem;
}

.btn-primary {
    background-color: var(--primary);
    color: var(--text-light);
    box-shadow: 0 4px 14px rgba(11, 94, 215, 0.3);
}

.btn-primary:hover {
    background-color: var(--primary-hover);
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(11, 94, 215, 0.4);
}

.btn-secondary {
    background-color: transparent;
    border: 2px solid var(--primary);
    color: var(--primary);
}

.btn-secondary:hover {
    background-color: var(--primary-light);
    transform: translateY(-2px);
}

.btn-accent {
    background-color: var(--accent);
    color: var(--text-light);
    box-shadow: 0 4px 14px rgba(255, 107, 59, 0.3);
}

.btn-accent:hover {
    background-color: var(--accent-hover);
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(255, 107, 59, 0.4);
}

/* Animations */
@keyframes fadeIn {
    from { opacity: 0; transform: translateY(10px); }
    to { opacity: 1; transform: translateY(0); }
}

@keyframes slideRight {
    from { transform: translateX(-20px); opacity: 0; }
    to { transform: translateX(0); opacity: 1; }
}

@keyframes pulseGlow {
    0% { box-shadow: 0 0 0 0 rgba(11, 94, 215, 0.4); }
    70% { box-shadow: 0 0 0 10px rgba(11, 94, 215, 0); }
    100% { box-shadow: 0 0 0 0 rgba(11, 94, 215, 0); }
}

/* 1. Global Alert Banner */
.notification-banner {
    background-color: var(--primary-light);
    color: var(--primary-hover);
    padding: 0.6rem 1rem;
    font-size: 0.875rem;
    font-weight: 500;
    text-align: center;
    border-bottom: 1px solid var(--border-color);
    position: relative;
    z-index: 100;
}

.notification-banner a {
    text-decoration: underline;
    font-weight: 600;
    margin-left: 0.5rem;
}

/* 2. Header and Navigation */
.main-header {
    background-color: var(--bg-card);
    border-bottom: 1px solid var(--border-color);
    position: sticky;
    top: 0;
    z-index: 99;
    box-shadow: var(--shadow-sm);
}

/* Utility bar */
.utility-bar {
    background-color: #f1f5f9;
    border-bottom: 1px solid var(--border-color);
    padding: 0.4rem 0;
    font-size: 0.75rem;
    font-weight: 500;
    color: var(--text-secondary);
}

.utility-bar .container {
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.utility-nav {
    display: flex;
    gap: 1.5rem;
    list-style: none;
}

.utility-nav a:hover {
    color: var(--primary);
}

.utility-right {
    display: flex;
    gap: 1.5rem;
    align-items: center;
}

.routing-number {
    background-color: var(--border-color);
    padding: 0.2rem 0.6rem;
    border-radius: 4px;
    font-family: monospace;
    font-weight: 600;
}

/* Main Navbar */
.navbar {
    display: flex;
    justify-content: space-between;
    align-items: center;
    height: 76px;
}

.logo {
    display: flex;
    align-items: center;
    font-family: var(--font-heading);
    font-weight: 800;
    font-size: 1.5rem;
    color: var(--primary);
    gap: 0.5rem;
}

.logo-icon {
    width: 32px;
    height: 32px;
    background: linear-gradient(135deg, var(--primary), var(--accent));
    border-radius: 8px;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--text-light);
    font-size: 1.1rem;
    font-weight: 800;
    box-shadow: 0 4px 10px rgba(11, 94, 215, 0.25);
}

.logo span {
    color: var(--bg-dark);
}

.main-nav {
    display: flex;
    list-style: none;
    gap: 2rem;
}

.nav-link {
    font-weight: 600;
    font-family: var(--font-heading);
    color: var(--bg-dark);
    font-size: 0.95rem;
    padding: 0.5rem 0;
    position: relative;
}

.nav-link::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 0;
    height: 2px;
    background-color: var(--primary);
    transition: var(--transition-normal);
}

.nav-link:hover {
    color: var(--primary);
}

.nav-link:hover::after {
    width: 100%;
}

.nav-ctas {
    display: flex;
    gap: 1rem;
    align-items: center;
}

.hamburger {
    display: none;
    flex-direction: column;
    justify-content: space-between;
    width: 24px;
    height: 18px;
    background: transparent;
    cursor: pointer;
    z-index: 101;
}

.hamburger span {
    display: block;
    width: 100%;
    height: 2px;
    background-color: var(--bg-dark);
    border-radius: 2px;
    transition: var(--transition-fast);
}

/* 3. Hero Section (NCSECU Layout Inspired) */
.hero-section {
    background: radial-gradient(circle at 80% 20%, #eff6ff 0%, var(--bg-main) 70%);
    padding: 3rem 0;
    position: relative;
    overflow: hidden;
}

.hero-grid {
    display: grid;
    grid-template-columns: 380px 1fr;
    gap: 3rem;
    align-items: start;
}

/* Secure Login Widget */
.login-widget {
    background: rgba(255, 255, 255, 0.85);
    backdrop-filter: blur(16px);
    -webkit-backdrop-filter: blur(16px);
    border: 1px solid rgba(255, 255, 255, 0.6);
    border-radius: var(--radius-lg);
    padding: 2rem;
    box-shadow: var(--shadow-lg), inset 0 1px 0 rgba(255,255,255,0.8);
    animation: fadeIn 0.6s ease-out;
}

.login-header {
    margin-bottom: 1.5rem;
}

.login-header h3 {
    font-size: 1.25rem;
    margin-bottom: 0.25rem;
    display: flex;
    align-items: center;
    gap: 0.5rem;
}

.login-header h3 svg {
    color: var(--primary);
}

.login-header p {
    font-size: 0.85rem;
    color: var(--text-secondary);
}

.login-tabs {
    display: flex;
    background-color: #f1f5f9;
    border-radius: var(--radius-sm);
    padding: 4px;
    margin-bottom: 1.5rem;
}

.login-tab-btn {
    flex: 1;
    background: transparent;
    padding: 0.5rem;
    font-size: 0.875rem;
    font-weight: 600;
    color: var(--text-secondary);
    border-radius: 4px;
    cursor: pointer;
    transition: var(--transition-fast);
}

.login-tab-btn.active {
    background-color: var(--bg-card);
    color: var(--primary);
    box-shadow: var(--shadow-sm);
}

.form-group {
    margin-bottom: 1.25rem;
    position: relative;
}

.form-group label {
    display: block;
    font-size: 0.8rem;
    font-weight: 600;
    color: var(--text-primary);
    margin-bottom: 0.4rem;
}

.input-wrapper {
    position: relative;
    display: flex;
    align-items: center;
}

.input-icon {
    position: absolute;
    left: 12px;
    color: var(--text-secondary);
    display: flex;
    align-items: center;
    pointer-events: none;
}

.form-control {
    width: 100%;
    padding: 0.75rem 1rem 0.75rem 38px;
    border: 1.5px solid var(--border-color);
    border-radius: var(--radius-sm);
    background-color: var(--bg-card);
    color: var(--bg-dark);
    font-size: 0.95rem;
    transition: var(--transition-normal);
}

.form-control:focus {
    border-color: var(--primary);
    box-shadow: 0 0 0 3px rgba(11, 94, 215, 0.12);
}

.pw-toggle {
    position: absolute;
    right: 12px;
    background: transparent;
    color: var(--text-secondary);
    cursor: pointer;
}

.pw-toggle:hover {
    color: var(--primary);
}

.login-options {
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-size: 0.8rem;
    margin-bottom: 1.5rem;
}

.remember-me {
    display: flex;
    align-items: center;
    gap: 0.4rem;
    cursor: pointer;
}

.remember-me input {
    accent-color: var(--primary);
}

.forgot-link {
    color: var(--primary);
    font-weight: 500;
}

.forgot-link:hover {
    text-decoration: underline;
}

.btn-login {
    width: 100%;
    margin-bottom: 1rem;
}

.enroll-prompt {
    text-align: center;
    font-size: 0.85rem;
    color: var(--text-secondary);
}

.enroll-prompt a {
    color: var(--primary);
    font-weight: 600;
}

/* Promotional Slider/Hero Content */
.hero-content {
    display: flex;
    flex-direction: column;
    justify-content: center;
    height: 100%;
    animation: slideRight 0.6s ease-out;
}

.hero-slider {
    position: relative;
    min-height: 380px;
    background-color: var(--bg-card);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-md);
    overflow: hidden;
    border: 1px solid var(--border-color);
}

.slide {
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    padding: 3rem;
    display: flex;
    opacity: 0;
    visibility: hidden;
    transition: opacity 0.5s ease, visibility 0.5s ease;
    align-items: center;
}

.slide.active {
    opacity: 1;
    visibility: visible;
}

.slide-info {
    flex: 1.2;
    padding-right: 2rem;
}

.badge {
    display: inline-block;
    padding: 0.25rem 0.75rem;
    background-color: var(--primary-light);
    color: var(--primary);
    border-radius: 50px;
    font-size: 0.75rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    margin-bottom: 1rem;
}

.slide-title {
    font-size: 2.25rem;
    margin-bottom: 1rem;
    font-weight: 800;
    color: var(--bg-dark);
}

.slide-description {
    color: var(--text-secondary);
    font-size: 1.05rem;
    margin-bottom: 1.5rem;
    max-width: 480px;
}

.slide-media {
    flex: 0.8;
    display: flex;
    justify-content: center;
    align-items: center;
}

.slide-media img {
    max-height: 280px;
    filter: drop-shadow(0 15px 30px rgba(0,0,0,0.1));
}

.slider-controls {
    position: absolute;
    bottom: 20px;
    left: 3rem;
    display: flex;
    align-items: center;
    gap: 1rem;
}

.slider-dots {
    display: flex;
    gap: 0.5rem;
}

.dot {
    width: 8px;
    height: 8px;
    border-radius: 50%;
    background-color: var(--border-color);
    cursor: pointer;
    transition: var(--transition-fast);
}

.dot.active {
    background-color: var(--primary);
    width: 24px;
    border-radius: 4px;
}

.slider-arrow {
    background: transparent;
    color: var(--text-secondary);
    cursor: pointer;
    font-size: 1.2rem;
    display: flex;
    align-items: center;
    transition: var(--transition-fast);
}

.slider-arrow:hover {
    color: var(--primary);
}

/* Quick Tools Bar */
.quick-tools {
    margin-top: -20px;
    position: relative;
    z-index: 10;
    margin-bottom: 4rem;
}

.tools-container {
    background-color: var(--bg-card);
    border-radius: var(--radius-md);
    box-shadow: var(--shadow-md);
    border: 1px solid var(--border-color);
    padding: 1.5rem 2rem;
    display: flex;
    justify-content: space-around;
    align-items: center;
    flex-wrap: wrap;
    gap: 1.5rem;
}

.tool-item {
    display: flex;
    align-items: center;
    gap: 1rem;
    flex: 1;
    min-width: 200px;
}

.tool-icon {
    width: 48px;
    height: 48px;
    background-color: var(--primary-light);
    color: var(--primary);
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
}

.tool-text h4 {
    font-size: 0.95rem;
    margin-bottom: 0.15rem;
}

.tool-text p {
    font-size: 0.8rem;
    color: var(--text-secondary);
}

.tool-text a {
    color: var(--primary);
    font-weight: 600;
}

.tool-text a:hover {
    text-decoration: underline;
}

/* 4. Calculator Widget (Premium Micro-interaction) */
.calc-section {
    padding: 4rem 0;
    background-color: #ffffff;
    border-bottom: 1px solid var(--border-color);
}

.section-header {
    text-align: center;
    max-width: 600px;
    margin: 0 auto 3rem;
}

.section-header h2 {
    font-size: 2rem;
    margin-bottom: 0.75rem;
}

.section-header p {
    color: var(--text-secondary);
}

.calc-widget {
    max-width: 900px;
    margin: 0 auto;
    background-color: var(--bg-main);
    border: 1px solid var(--border-color);
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-md);
}

.calc-nav {
    display: flex;
    border-bottom: 1px solid var(--border-color);
    background-color: #f1f5f9;
}

.calc-tab {
    flex: 1;
    text-align: center;
    padding: 1.2rem;
    font-weight: 600;
    font-family: var(--font-heading);
    color: var(--text-secondary);
    background: transparent;
    cursor: pointer;
    transition: var(--transition-fast);
    border-bottom: 3px solid transparent;
}

.calc-tab.active {
    color: var(--primary);
    background-color: var(--bg-card);
    border-bottom-color: var(--primary);
}

.calc-body {
    padding: 2.5rem;
    background-color: var(--bg-card);
}

.calc-content {
    display: none;
    grid-template-columns: 1.2fr 1fr;
    gap: 3rem;
}

.calc-content.active {
    display: grid;
}

.calc-form {
    display: flex;
    flex-direction: column;
    gap: 1.5rem;
}

.range-group {
    display: flex;
    flex-direction: column;
}

.range-label-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 0.5rem;
}

.range-title {
    font-weight: 600;
    font-size: 0.9rem;
    color: var(--bg-dark);
}

.range-value {
    font-weight: 700;
    color: var(--primary);
    font-size: 1.1rem;
}

.slider-input {
    width: 100%;
    height: 6px;
    background: var(--border-color);
    outline: none;
    border-radius: 3px;
    accent-color: var(--primary);
}

.calc-output {
    background-color: var(--bg-main);
    border: 1px solid var(--border-color);
    border-radius: var(--radius-md);
    padding: 2rem;
    display: flex;
    flex-direction: column;
    justify-content: center;
    align-items: center;
    text-align: center;
}

.output-label {
    font-size: 0.85rem;
    color: var(--text-secondary);
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    margin-bottom: 0.5rem;
}

.output-value {
    font-size: 2.5rem;
    font-weight: 800;
    color: var(--bg-dark);
    margin-bottom: 1.5rem;
    font-family: var(--font-heading);
}

.output-details {
    width: 100%;
    border-top: 1px solid var(--border-color);
    padding-top: 1rem;
    margin-bottom: 1.5rem;
}

.output-detail-row {
    display: flex;
    justify-content: space-between;
    font-size: 0.85rem;
    color: var(--text-secondary);
    margin-bottom: 0.5rem;
}

.output-detail-row strong {
    color: var(--bg-dark);
}

/* 5. Product Grid */
.products-section {
    padding: 5rem 0;
    background-color: var(--bg-main);
}

.products-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 2rem;
}

.product-card {
    background-color: var(--bg-card);
    border: 1px solid var(--border-color);
    border-radius: var(--radius-md);
    padding: 2.5rem 2rem;
    box-shadow: var(--shadow-sm);
    transition: var(--transition-normal);
    display: flex;
    flex-direction: column;
    align-items: flex-start;
}

.product-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-lg), var(--shadow-glow);
    border-color: rgba(11, 94, 215, 0.3);
}

.product-card-icon {
    width: 54px;
    height: 54px;
    border-radius: 16px;
    background: linear-gradient(135deg, var(--primary-light), #eff6ff);
    color: var(--primary);
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 1.5rem;
    transition: var(--transition-normal);
}

.product-card:hover .product-card-icon {
    background: linear-gradient(135deg, var(--primary), var(--primary-hover));
    color: var(--text-light);
    transform: scale(1.05);
}

.product-card h3 {
    font-size: 1.25rem;
    margin-bottom: 0.5rem;
}

.product-card p {
    color: var(--text-secondary);
    font-size: 0.9rem;
    margin-bottom: 1.5rem;
    flex-grow: 1;
}

.product-rate {
    font-size: 0.75rem;
    color: var(--primary);
    background-color: var(--primary-light);
    padding: 0.25rem 0.75rem;
    border-radius: 50px;
    font-weight: 700;
    margin-bottom: 1.5rem;
}

.product-link {
    font-weight: 600;
    font-size: 0.9rem;
    color: var(--primary);
    display: flex;
    align-items: center;
    gap: 0.5rem;
}

.product-link:hover {
    gap: 0.75rem;
}

/* 6. Why Choose Us (Community & Values) */
.why-us-section {
    padding: 5rem 0;
    background-color: var(--bg-dark);
    color: var(--text-light);
    position: relative;
    overflow: hidden;
}

.why-us-section h2 {
    color: var(--text-light);
}

.why-us-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 4rem;
    align-items: center;
}

.why-us-stats {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 2rem;
}

.stat-box {
    background: rgba(255,255,255,0.05);
    border: 1px solid rgba(255,255,255,0.1);
    border-radius: var(--radius-md);
    padding: 2rem;
    text-align: center;
    backdrop-filter: blur(10px);
}

.stat-number {
    font-size: 2.5rem;
    font-weight: 800;
    color: var(--accent);
    margin-bottom: 0.5rem;
    font-family: var(--font-heading);
}

.stat-label {
    font-size: 0.9rem;
    color: #94a3b8;
    font-weight: 500;
}

.why-us-content h2 {
    font-size: 2.25rem;
    margin-bottom: 1.5rem;
}

.why-us-content p {
    color: #94a3b8;
    margin-bottom: 2rem;
}

.feature-list {
    display: flex;
    flex-direction: column;
    gap: 1.25rem;
}

.feature-item {
    display: flex;
    gap: 1rem;
}

.feature-icon {
    color: var(--accent);
    flex-shrink: 0;
}

.feature-text h4 {
    color: var(--text-light);
    margin-bottom: 0.25rem;
}

.feature-text p {
    color: #94a3b8;
    font-size: 0.85rem;
    margin: 0;
}

/* 7. Mobile App Promo */
.app-section {
    padding: 5rem 0;
    background-color: var(--bg-card);
}

.app-grid {
    display: grid;
    grid-template-columns: 1.1fr 0.9fr;
    gap: 4rem;
    align-items: center;
}

.app-content h2 {
    font-size: 2.25rem;
    margin-bottom: 1rem;
}

.app-content p {
    color: var(--text-secondary);
    margin-bottom: 2rem;
}

.app-features {
    list-style: none;
    margin-bottom: 2rem;
    display: flex;
    flex-direction: column;
    gap: 1rem;
}

.app-features li {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    font-weight: 500;
}

.app-features svg {
    color: var(--success);
}

.download-badges {
    display: flex;
    gap: 1rem;
}

.badge-btn {
    display: inline-flex;
    align-items: center;
    background-color: var(--bg-dark);
    color: var(--text-light);
    padding: 0.6rem 1.2rem;
    border-radius: var(--radius-sm);
    gap: 0.75rem;
    font-size: 0.75rem;
}

.badge-btn svg {
    font-size: 1.5rem;
}

.badge-text strong {
    display: block;
    font-size: 0.9rem;
}

.app-media {
    display: flex;
    justify-content: center;
}

.app-media img {
    max-height: 480px;
    filter: drop-shadow(0 25px 50px rgba(0, 0, 0, 0.15));
}

/* 8. Footer (High Content SECU style) */
.main-footer {
    background-color: var(--bg-dark);
    color: #94a3b8;
    padding: 5rem 0 2rem;
    border-top: 1px solid rgba(255,255,255,0.05);
    font-size: 0.85rem;
}

.footer-grid {
    display: grid;
    grid-template-columns: 1.5fr repeat(4, 1fr);
    gap: 3rem;
    margin-bottom: 4rem;
}

.footer-about .logo {
    margin-bottom: 1.5rem;
}

.footer-about .logo span {
    color: var(--text-light);
}

.footer-about p {
    margin-bottom: 1.5rem;
    line-height: 1.6;
}

.social-links {
    display: flex;
    gap: 1rem;
}

.social-link {
    width: 36px;
    height: 36px;
    border-radius: 50%;
    background-color: rgba(255,255,255,0.05);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--text-light);
    transition: var(--transition-fast);
}

.social-link:hover {
    background-color: var(--primary);
    transform: translateY(-3px);
}

.footer-links h4 {
    color: var(--text-light);
    font-size: 0.95rem;
    margin-bottom: 1.5rem;
}

.footer-links ul {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 0.75rem;
}

.footer-links a:hover {
    color: var(--text-light);
    padding-left: 4px;
}

.footer-bottom {
    border-top: 1px solid rgba(255,255,255,0.08);
    padding-top: 2rem;
}

.footer-disclosures {
    line-height: 1.7;
    margin-bottom: 2rem;
    font-size: 0.75rem;
}

.footer-badges {
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: 1.5rem;
}

.badge-group {
    display: flex;
    gap: 1.5rem;
    align-items: center;
}

.insurance-badge {
    border: 1px solid rgba(255,255,255,0.15);
    padding: 0.4rem 0.8rem;
    border-radius: 4px;
    font-size: 0.7rem;
    font-weight: 700;
    letter-spacing: 0.05em;
    color: var(--text-light);
}

.housing-badge {
    display: flex;
    align-items: center;
    gap: 0.5rem;
    font-size: 0.7rem;
    font-weight: 600;
}

.copyright {
    font-size: 0.75rem;
}

/* Responsive Styles */
@media (max-width: 1024px) {
    .hero-grid {
        grid-template-columns: 1fr;
        gap: 2rem;
    }
    
    .login-widget {
        max-width: 480px;
        margin: 0 auto;
        width: 100%;
    }
    
    .hero-content {
        order: -1;
    }
    
    .why-us-grid {
        grid-template-columns: 1fr;
        gap: 3rem;
    }
    
    .app-grid {
        grid-template-columns: 1fr;
        gap: 3rem;
        text-align: center;
    }
    
    .app-media {
        order: -1;
    }
    
    .app-features {
        align-items: center;
    }
    
    .download-badges {
        justify-content: center;
    }
    
    .footer-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 2.5rem;
    }
    
    .footer-about {
        grid-column: span 2;
    }
}

@media (max-width: 768px) {
    .container {
        padding: 0 1.25rem;
    }
    
    .utility-bar {
        display: none;
    }
    
    .main-nav, .nav-ctas {
        display: none;
    }
    
    .hamburger {
        display: flex;
    }
    
    /* Mobile Menu Active */
    .main-header.menu-open {
        z-index: 999;
    }
    
    .main-header.menu-open .main-nav {
        display: flex;
        flex-direction: column;
        position: absolute;
        top: 76px;
        left: 0;
        right: 0;
        background-color: var(--bg-card);
        border-bottom: 1px solid var(--border-color);
        padding: 2rem;
        gap: 1.5rem;
        box-shadow: var(--shadow-lg);
        animation: fadeIn 0.3s ease-out;
        z-index: 1000;
    }
    
    .main-header.menu-open .nav-ctas {
        display: flex;
        flex-direction: column;
        position: absolute;
        top: 390px;
        left: 0;
        right: 0;
        background-color: var(--bg-card);
        padding: 0 2rem 2rem;
        gap: 1rem;
        z-index: 1000;
        box-shadow: var(--shadow-lg);
    }
    
    .main-header.menu-open .hamburger span:nth-child(1) {
        transform: translateY(8px) rotate(45deg);
    }
    
    .main-header.menu-open .hamburger span:nth-child(2) {
        opacity: 0;
    }
    
    .main-header.menu-open .hamburger span:nth-child(3) {
        transform: translateY(-8px) rotate(-45deg);
    }
    
    .hero-slider {
        min-height: 420px;
    }
    
    .slide {
        padding: 1.5rem;
        flex-direction: column;
        text-align: center;
    }
    
    .slide-info {
        padding-right: 0;
        margin-bottom: 1rem;
    }
    
    .slide-title {
        font-size: 1.75rem;
    }
    
    .slide-media {
        display: none;
    }
    
    .slider-controls {
        left: 50%;
        transform: translateX(-50%);
        bottom: 15px;
    }
    
    .calc-content {
        grid-template-columns: 1fr;
        gap: 2rem;
    }
    
    .why-us-stats {
        grid-template-columns: 1fr;
    }
}

@media (max-width: 480px) {
    .footer-grid {
        grid-template-columns: 1fr;
    }
    
    .footer-about {
        grid-column: span 1;
    }
    
    .tools-container {
        padding: 1rem;
    }
    
    .tool-item {
        min-width: 100%;
    }
    
    .output-value {
        font-size: 2rem;
    }
    
    .footer-badges {
        flex-direction: column;
        align-items: flex-start;
    }
}

/* ==========================================================================
   9. Secondary Page Styles (Checking, Savings, Loans, Credit Cards, Support)
   ========================================================================== */

/* Subpage Header/Hero Layout */
.subpage-hero {
    background: linear-gradient(135deg, var(--bg-dark) 0%, #1e293b 100%);
    color: var(--text-light);
    padding: 5rem 0 4rem;
    text-align: center;
    position: relative;
    border-bottom: 4px solid var(--accent);
}

.subpage-hero h1 {
    color: var(--text-light);
    font-size: 3rem;
    font-weight: 800;
    margin-bottom: 1rem;
    letter-spacing: -0.02em;
}

.subpage-hero p {
    color: #94a3b8;
    font-size: 1.15rem;
    max-width: 700px;
    margin: 0 auto;
}

/* Feature Details & Cards Grid */
.features-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
    gap: 2.5rem;
    margin-bottom: 4rem;
}

.feature-card {
    background-color: var(--bg-card);
    border: 1px solid var(--border-color);
    border-radius: var(--radius-md);
    padding: 2.5rem;
    box-shadow: var(--shadow-sm);
    transition: var(--transition-normal);
}

.feature-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-md);
    border-color: var(--primary);
}

.feature-card-icon {
    width: 48px;
    height: 48px;
    background-color: var(--primary-light);
    color: var(--primary);
    border-radius: var(--radius-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 1.5rem;
}

.feature-card h3 {
    margin-bottom: 0.75rem;
    font-size: 1.25rem;
}

.feature-card p {
    color: var(--text-secondary);
    font-size: 0.95rem;
}

/* Application Form Container */
.app-form-section {
    background-color: var(--bg-card);
    border: 1px solid var(--border-color);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-md);
    max-width: 800px;
    margin: 0 auto 5rem;
    overflow: hidden;
}

.form-header {
    background-color: var(--primary);
    color: var(--text-light);
    padding: 2rem 2.5rem;
}

.form-header h2 {
    color: var(--text-light);
    font-size: 1.5rem;
    margin-bottom: 0.5rem;
}

.form-header p {
    color: rgba(255, 255, 255, 0.8);
    font-size: 0.9rem;
}

.app-form {
    padding: 2.5rem;
}

.form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1.5rem;
    margin-bottom: 1.5rem;
}

@media (max-width: 600px) {
    .form-row {
        grid-template-columns: 1fr;
        gap: 1.25rem;
    }
}

.form-field-group {
    display: flex;
    flex-direction: column;
}

.form-field-group label {
    font-size: 0.85rem;
    font-weight: 600;
    margin-bottom: 0.5rem;
    color: var(--bg-dark);
}

.form-field-group input, 
.form-field-group select, 
.form-field-group textarea {
    width: 100%;
    padding: 0.75rem 1rem;
    border: 1.5px solid var(--border-color);
    border-radius: var(--radius-sm);
    font-size: 0.95rem;
    transition: var(--transition-normal);
    outline: none;
}

.form-field-group input:focus, 
.form-field-group select:focus, 
.form-field-group textarea:focus {
    border-color: var(--primary);
    box-shadow: 0 0 0 3px rgba(11, 94, 215, 0.12);
}

.form-checkbox-row {
    display: flex;
    align-items: flex-start;
    gap: 0.75rem;
    margin-bottom: 2rem;
}

.form-checkbox-row input {
    margin-top: 0.25rem;
    accent-color: var(--primary);
}

.form-checkbox-row label {
    font-size: 0.85rem;
    color: var(--text-secondary);
    line-height: 1.5;
}

.form-submit-btn {
    width: 100%;
    padding: 1rem;
    font-size: 1.05rem;
}

/* Card Comparisons Table */
.comparison-section {
    padding: 5rem 0;
}

.table-wrapper {
    overflow-x: auto;
    background-color: var(--bg-card);
    border: 1px solid var(--border-color);
    border-radius: var(--radius-md);
    box-shadow: var(--shadow-sm);
    margin-bottom: 4rem;
}

.comparison-table {
    width: 100%;
    border-collapse: collapse;
    text-align: left;
    min-width: 700px;
}

.comparison-table th, 
.comparison-table td {
    padding: 1.25rem 1.5rem;
    border-bottom: 1px solid var(--border-color);
}

.comparison-table th {
    background-color: #f8fafc;
    font-family: var(--font-heading);
    font-weight: 700;
    color: var(--bg-dark);
}

.comparison-table tbody tr:hover {
    background-color: #f8fafc;
}

.comparison-table tr:last-child td {
    border-bottom: none;
}

.table-card-header {
    font-weight: 700;
    color: var(--primary);
}

.check-bullet {
    color: var(--success);
    font-weight: bold;
}

/* FAQ accordion list style */
.faq-section {
    max-width: 800px;
    margin: 0 auto 5rem;
}

.faq-search-wrapper {
    margin-bottom: 2.5rem;
    display: flex;
    gap: 1rem;
}

.faq-search-input {
    flex: 1;
    padding: 0.875rem 1.25rem;
    border: 1.5px solid var(--border-color);
    border-radius: var(--radius-sm);
    font-size: 1rem;
    outline: none;
    transition: var(--transition-normal);
    box-shadow: var(--shadow-sm);
}

.faq-search-input:focus {
    border-color: var(--primary);
    box-shadow: 0 0 0 3px rgba(11, 94, 215, 0.12);
}

.faq-filters {
    display: flex;
    gap: 0.5rem;
    flex-wrap: wrap;
    margin-bottom: 2rem;
}

.faq-filter-btn {
    background-color: var(--bg-card);
    border: 1px solid var(--border-color);
    padding: 0.5rem 1rem;
    border-radius: 50px;
    font-size: 0.85rem;
    font-weight: 600;
    cursor: pointer;
    transition: var(--transition-fast);
    color: var(--text-secondary);
}

.faq-filter-btn.active, 
.faq-filter-btn:hover {
    background-color: var(--primary);
    color: var(--text-light);
    border-color: var(--primary);
}

.faq-accordion {
    display: flex;
    flex-direction: column;
    gap: 1rem;
}

.faq-item {
    background-color: var(--bg-card);
    border: 1px solid var(--border-color);
    border-radius: var(--radius-sm);
    overflow: hidden;
    transition: var(--transition-normal);
}

.faq-question {
    width: 100%;
    padding: 1.25rem 1.5rem;
    text-align: left;
    background: transparent;
    font-weight: 600;
    color: var(--bg-dark);
    display: flex;
    justify-content: space-between;
    align-items: center;
    cursor: pointer;
    font-size: 1.05rem;
}

.faq-question svg {
    transition: transform var(--transition-fast);
    color: var(--text-secondary);
}

.faq-item.active .faq-question svg {
    transform: rotate(180deg);
    color: var(--primary);
}

.faq-answer {
    padding: 0 1.5rem;
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.3s cubic-bezier(0, 1, 0, 1), padding 0.3s ease;
    color: var(--text-secondary);
    font-size: 0.95rem;
    line-height: 1.6;
}

.faq-item.active .faq-answer {
    padding: 0 1.5rem 1.5rem;
    max-height: 1000px;
}

/* Insurance Estimator Widget */
.insurance-card-grid {
    display: grid;
    grid-template-columns: 1.2fr 0.8fr;
    gap: 3rem;
    background-color: var(--bg-card);
    border: 1px solid var(--border-color);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-md);
    overflow: hidden;
    margin-bottom: 4rem;
}

@media (max-width: 900px) {
    .insurance-card-grid {
        grid-template-columns: 1fr;
        gap: 0;
    }
}

.insurance-desc {
    padding: 3rem;
}

.insurance-desc h2 {
    font-size: 1.75rem;
    margin-bottom: 1rem;
}

.insurance-desc p {
    color: var(--text-secondary);
    margin-bottom: 1.5rem;
}

.insurance-benefits-list {
    list-style: none;
    margin-bottom: 2rem;
}

.insurance-benefits-list li {
    display: flex;
    align-items: flex-start;
    gap: 0.75rem;
    margin-bottom: 1rem;
    font-size: 0.95rem;
}

.insurance-benefits-list li svg {
    color: var(--success);
    flex-shrink: 0;
    margin-top: 0.2rem;
}

.insurance-estimator-widget {
    background-color: var(--bg-main);
    padding: 3rem;
    border-left: 1px solid var(--border-color);
    display: flex;
    flex-direction: column;
    justify-content: center;
}

@media (max-width: 900px) {
    .insurance-estimator-widget {
        border-left: none;
        border-top: 1px solid var(--border-color);
    }
}

.insurance-estimator-widget h3 {
    margin-bottom: 1.5rem;
    font-size: 1.25rem;
}

.insurance-estimator-form {
    display: flex;
    flex-direction: column;
    gap: 1.5rem;
}

.insurance-cost-box {
    margin-top: 2rem;
    background-color: var(--bg-card);
    border: 1px solid var(--border-color);
    border-radius: var(--radius-sm);
    padding: 1.5rem;
    text-align: center;
}

.insurance-cost-title {
    font-size: 0.8rem;
    color: var(--text-secondary);
    text-transform: uppercase;
    font-weight: 700;
    letter-spacing: 0.05em;
    margin-bottom: 0.5rem;
}

.insurance-cost-value {
    font-size: 2rem;
    font-weight: 800;
    color: var(--primary);
    font-family: var(--font-heading);
}

.insurance-disclaimer {
    font-size: 0.75rem;
    color: var(--text-secondary);
    margin-top: 1rem;
    line-height: 1.4;
}