/* BankingUS — Emerald & Gold theme */
:root{
  --green-900:#0A2A21;
  --green-800:#0E3B2E;
  --green-700:#145240;
  --green-600:#1B6B53;
  --green-100:#E3F0EA;
  --gold:#C9A24B;
  --gold-light:#E6C877;
  --gold-soft:#F6EEDB;
  --ivory:#FBF8F2;
  --paper:#FFFFFF;
  --ink:#16201C;
  --muted:#5B6A63;
  --line:#E6E0D3;
  --radius:16px;
  --shadow:0 1px 2px rgba(10,42,33,.06),0 8px 24px rgba(10,42,33,.07);
  --shadow-hover:0 2px 4px rgba(10,42,33,.08),0 16px 36px rgba(10,42,33,.12);
  --serif:"Fraunces",Georgia,"Times New Roman",serif;
  --sans:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
}

*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;overflow-x:hidden}
body{overflow-x:hidden}
body{margin:0;font-family:var(--sans);font-size:16px;line-height:1.6;color:var(--ink);background:var(--ivory);-webkit-font-smoothing:antialiased}
img,svg{display:block;max-width:100%}
a{color:var(--green-700);text-decoration:none}
a:hover{color:var(--green-600)}
h1,h2,h3,h4{line-height:1.2;margin:0 0 .5em}
h1,h2{font-family:var(--serif);font-weight:700;letter-spacing:-.01em}
p{margin:0 0 1em}
.wrap{width:100%;max-width:1180px;margin:0 auto;padding:0 20px}
.sr{position:absolute!important;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.skip{position:absolute;left:-9999px;top:8px;background:var(--gold);color:var(--green-900);padding:8px 14px;border-radius:8px;z-index:100;font-weight:600}
.skip:focus{left:12px}
:focus-visible{outline:3px solid var(--gold);outline-offset:2px;border-radius:6px}

/* ---------- Header ---------- */
.site-header{position:sticky;top:0;z-index:50;background:rgba(14,59,46,.97);backdrop-filter:saturate(1.4) blur(8px);border-bottom:1px solid rgba(201,162,75,.25)}
.header-inner{display:flex;align-items:center;justify-content:space-between;height:70px}
.logo{display:inline-flex;align-items:center;gap:10px;font-family:var(--serif);font-size:1.45rem;font-weight:700;color:#fff;letter-spacing:-.01em}
.logo:hover{color:#fff}
.logo b{color:var(--gold-light);font-weight:700}
.logo-mark{width:38px;height:38px;border-radius:10px;background:linear-gradient(135deg,var(--gold-light),var(--gold));color:var(--green-900);display:grid;place-items:center}
.logo-mark svg{width:22px;height:22px}

.nav>ul{list-style:none;margin:0;padding:0;display:flex;gap:4px;align-items:center}
.nav>ul>li{position:relative;display:flex;align-items:center}
.nav>ul>li>a{display:block;padding:10px 14px;color:#E8F1EC;font-weight:500;font-size:.96rem;border-radius:10px}
.nav>ul>li>a:hover{color:#fff;background:rgba(255,255,255,.08)}
.sub-toggle{display:none}
.has-sub>a::after{content:"";display:inline-block;width:6px;height:6px;margin-left:8px;border-right:2px solid currentColor;border-bottom:2px solid currentColor;transform:translateY(-3px) rotate(45deg);opacity:.7}
.sub{list-style:none;margin:0;padding:8px;position:absolute;top:100%;left:0;min-width:270px;background:var(--paper);border-radius:14px;box-shadow:var(--shadow-hover);border:1px solid var(--line);opacity:0;visibility:hidden;transform:translateY(8px);transition:.18s ease}
.has-sub:hover .sub,.has-sub:focus-within .sub{opacity:1;visibility:visible;transform:translateY(4px)}
.sub a{display:block;padding:9px 12px;color:var(--ink);border-radius:8px;font-size:.93rem}
.sub a:hover{background:var(--green-100);color:var(--green-800)}
.sub .all a{color:var(--green-700);font-weight:600;border-top:1px solid var(--line);margin-top:4px;border-radius:0 0 8px 8px}

.menu-btn{display:none;background:none;border:0;width:44px;height:44px;padding:10px;cursor:pointer;border-radius:10px}
.menu-btn span{display:block;height:2px;background:#fff;margin:5px 0;border-radius:2px;transition:.2s}
.menu-btn[aria-expanded="true"] span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.menu-btn[aria-expanded="true"] span:nth-child(2){opacity:0}
.menu-btn[aria-expanded="true"] span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}

/* ---------- Hero ---------- */
.hero{position:relative;overflow:hidden;color:#fff;background:
  radial-gradient(900px 420px at 85% -10%,rgba(201,162,75,.28),transparent 60%),
  radial-gradient(700px 500px at -10% 110%,rgba(27,107,83,.7),transparent 60%),
  linear-gradient(160deg,var(--green-800),var(--green-900));padding:84px 0 96px}
.hero::after{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.04) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.04) 1px,transparent 1px);background-size:44px 44px;mask-image:linear-gradient(180deg,#000,transparent 85%);pointer-events:none}
.hero-grid{position:relative;z-index:1;display:grid;grid-template-columns:minmax(0,1.35fr) minmax(0,.9fr);gap:56px;align-items:center}
.eyebrow{display:inline-block;font-size:.8rem;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--gold-light);background:rgba(201,162,75,.12);border:1px solid rgba(201,162,75,.35);padding:6px 12px;border-radius:999px;margin-bottom:22px}
.hero h1{font-size:clamp(2.3rem,5vw,3.8rem);margin-bottom:18px}
.gold{color:var(--gold-light);font-style:italic}
.lead{font-size:1.15rem;color:#CFE0D8;max-width:560px;margin-bottom:28px}

.search{display:flex;align-items:center;background:#fff;border-radius:14px;padding:6px 6px 6px 16px;max-width:560px;box-shadow:0 10px 30px rgba(0,0,0,.25)}
.search svg{width:20px;height:20px;color:var(--muted);flex:none}
.search input{flex:1;min-width:0;border:0;outline:0;font:inherit;font-size:1rem;padding:12px;color:var(--ink);background:transparent}
.search button{border:0;cursor:pointer;font:inherit;font-weight:600;background:var(--green-800);color:#fff;padding:12px 22px;border-radius:10px;transition:.15s}
.search button:hover{background:var(--green-700)}

.hero-ctas{display:flex;flex-wrap:wrap;gap:12px;margin-top:26px}
.btn{display:inline-flex;align-items:center;justify-content:center;padding:12px 20px;border-radius:12px;font-weight:600;font-size:.96rem;transition:.18s ease;white-space:nowrap}
.btn-gold{background:linear-gradient(135deg,var(--gold-light),var(--gold));color:var(--green-900)}
.btn-gold:hover{color:var(--green-900);transform:translateY(-1px);box-shadow:0 8px 20px rgba(201,162,75,.35)}
.btn-ghost{color:#fff;border:1px solid rgba(255,255,255,.3)}
.btn-ghost:hover{color:#fff;background:rgba(255,255,255,.08);border-color:rgba(255,255,255,.55)}
.btn-outline{color:var(--green-800);border:1.5px solid var(--green-800)}
.btn-outline:hover{background:var(--green-800);color:#fff}

.hero-card{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.14);border-radius:20px;padding:28px;backdrop-filter:blur(6px)}
.hc-row{display:flex;gap:18px;align-items:center;padding:16px 0;border-bottom:1px solid rgba(255,255,255,.1);color:#D7E6DF}
.hc-row:first-child{padding-top:0}
.hc-num{font-family:var(--serif);font-size:2.4rem;font-weight:700;color:var(--gold-light);min-width:56px;line-height:1}
.hc-link{display:inline-block;margin-top:18px;color:var(--gold-light);font-weight:600}
.hc-link:hover{color:#fff}

/* ---------- Sections ---------- */
.section{padding:84px 0}
.section.alt{background:var(--paper);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.sec-head{margin-bottom:36px}
.sec-head h2{font-size:clamp(1.7rem,3vw,2.3rem);color:var(--green-900)}
.sec-head p{color:var(--muted);margin:0}
.sec-head.row{display:flex;justify-content:space-between;align-items:flex-end;gap:20px;flex-wrap:wrap}
.sec-head.light h2{color:#fff}
.sec-head.light p{color:#CFE0D8}

/* Categories */
.cat-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.cat{display:flex;flex-direction:column;gap:4px;padding:22px;background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);color:var(--ink);transition:.2s ease;position:relative}
.cat:hover{color:var(--ink);transform:translateY(-3px);box-shadow:var(--shadow-hover);border-color:var(--gold)}
.cat .ico{width:44px;height:44px;border-radius:12px;display:grid;place-items:center;background:var(--gold-soft);font-size:1.3rem;margin-bottom:10px}
.cat strong{font-size:1.02rem;color:var(--green-900)}
.cat small{color:var(--muted);font-size:.9rem}

/* Banks */
.bank-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.bank{display:grid;grid-template-columns:auto 1fr;grid-template-rows:auto auto;gap:4px 16px;align-items:center;padding:22px;background:var(--ivory);border:1px solid var(--line);border-radius:var(--radius);transition:.2s}
.bank:hover{box-shadow:var(--shadow);border-color:var(--green-100);background:#fff}
.badge-init{grid-row:span 2;width:54px;height:54px;border-radius:14px;display:grid;place-items:center;font-weight:700;letter-spacing:.04em;color:var(--gold-light);background:linear-gradient(140deg,var(--green-700),var(--green-900))}
.bank h3{font-size:1.08rem;margin:0}
.bank h3 a{color:var(--green-900)}
.bank h3 a:hover{color:var(--green-600)}
.bank p{margin:0;color:var(--muted);font-size:.9rem}
.bank .ext{grid-column:2;font-size:.9rem;font-weight:600;color:var(--gold);margin-top:6px}
.bank .ext:hover{color:var(--green-700)}

/* Guides */
.guide-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.guide{display:flex;flex-direction:column;padding:26px;background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);color:var(--ink);transition:.2s;border-top:4px solid var(--green-700)}
.guide:hover{color:var(--ink);transform:translateY(-3px);box-shadow:var(--shadow-hover);border-top-color:var(--gold)}
.tag{align-self:flex-start;font-size:.75rem;font-weight:600;letter-spacing:.06em;text-transform:uppercase;color:var(--green-700);background:var(--green-100);padding:4px 10px;border-radius:999px;margin-bottom:14px}
.guide h3{font-family:var(--serif);font-size:1.25rem;color:var(--green-900)}
.guide p{color:var(--muted);font-size:.95rem;flex:1}
.more{font-weight:600;color:var(--green-700)}

/* Tools band */
.tools-band{background:linear-gradient(160deg,var(--green-800),var(--green-900));position:relative}
.tool-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.tool{display:flex;flex-direction:column;gap:6px;padding:26px;border-radius:var(--radius);background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.12);color:#fff;transition:.2s}
.tool:hover{color:#fff;background:rgba(255,255,255,.1);border-color:var(--gold);transform:translateY(-3px)}
.tool .ico{width:46px;height:46px;border-radius:12px;display:grid;place-items:center;background:linear-gradient(135deg,var(--gold-light),var(--gold));color:var(--green-900);font-size:1.3rem;font-weight:700;margin-bottom:8px}
.tool strong{font-size:1.05rem}
.tool small{color:#BFD3CA;font-size:.9rem}

/* Tips + FAQ */
.two-col{display:grid;grid-template-columns:1fr 1.1fr;gap:48px;align-items:start}
.tips{background:var(--gold-soft);border:1px solid #EADBB5;border-radius:20px;padding:34px}
.tips h2,.faq h2{font-size:1.65rem;color:var(--green-900)}
.checks{list-style:none;padding:0;margin:18px 0 20px}
.checks li{position:relative;padding:10px 0 10px 36px;border-bottom:1px dashed #E2D3A8}
.checks li::before{content:"✓";position:absolute;left:0;top:9px;width:24px;height:24px;border-radius:50%;display:grid;place-items:center;font-size:.8rem;font-weight:700;color:#fff;background:var(--green-700)}
.note{margin:0;font-size:.92rem;font-weight:600;color:var(--green-800)}

.faq details{background:var(--paper);border:1px solid var(--line);border-radius:14px;margin-bottom:12px;transition:.2s}
.faq details[open]{box-shadow:var(--shadow);border-color:var(--green-100)}
.faq summary{list-style:none;cursor:pointer;padding:18px 54px 18px 20px;font-weight:600;color:var(--green-900);position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:18px;top:50%;transform:translateY(-50%);width:26px;height:26px;border-radius:50%;display:grid;place-items:center;background:var(--green-100);color:var(--green-700);font-size:1.1rem;transition:.2s}
.faq details[open] summary::after{content:"–";background:var(--gold);color:var(--green-900)}
.faq details p{padding:0 20px 18px;margin:0;color:var(--muted)}

/* ---------- Footer ---------- */
.site-footer{background:var(--green-900);color:#B9CCC3;padding:64px 0 0;border-top:3px solid var(--gold)}
.foot-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:40px}
.foot-brand p{font-size:.93rem;margin-top:16px}
.site-footer a{color:#DCE8E2}
.site-footer a:hover{color:var(--gold-light)}
.site-footer h4{color:#fff;font-size:.85rem;letter-spacing:.1em;text-transform:uppercase;margin-bottom:16px}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer li{margin-bottom:10px;font-size:.94rem}
.foot-legal{margin-top:48px;padding-top:24px;padding-bottom:28px;border-top:1px solid rgba(255,255,255,.1);font-size:.84rem;color:#8EA69B}
.foot-legal p:last-child{margin:0}

/* ---------- Responsive ---------- */
@media (max-width:1024px){
  .cat-grid,.tool-grid{grid-template-columns:repeat(3,1fr)}
  .bank-grid,.guide-grid{grid-template-columns:repeat(2,1fr)}
  .hero-grid{grid-template-columns:minmax(0,1fr);gap:40px}
  .hero-card{max-width:560px}
  .two-col{grid-template-columns:minmax(0,1fr)}
  .foot-grid{grid-template-columns:1fr 1fr}
}
@media (max-width:860px){
  .site-header{backdrop-filter:none;background:var(--green-800)}
  .menu-btn{display:block}
  .nav{position:fixed;top:70px;left:0;right:0;bottom:0;background:var(--green-900);overflow-y:auto;padding:12px 16px 40px;opacity:0;visibility:hidden;transform:translateY(-8px);transition:opacity .2s ease,transform .2s ease,visibility .2s}
  .nav.open{opacity:1;visibility:visible;transform:none}
  .nav>ul{flex-direction:column;align-items:stretch;gap:0}
  .nav>ul>li{flex-wrap:wrap;border-bottom:1px solid rgba(255,255,255,.08)}
  .nav>ul>li>a{flex:1;padding:16px 8px;font-size:1.05rem}
  .has-sub>a::after{display:none}
  .sub-toggle{display:block;width:48px;height:48px;background:none;border:0;cursor:pointer;position:relative}
  .sub-toggle::before{content:"";position:absolute;left:50%;top:50%;width:8px;height:8px;border-right:2px solid #fff;border-bottom:2px solid #fff;transform:translate(-50%,-70%) rotate(45deg);transition:.2s}
  .sub-toggle[aria-expanded="true"]::before{transform:translate(-50%,-30%) rotate(-135deg)}
  .sub{position:static;width:100%;min-width:0;opacity:1;visibility:visible;transform:none;display:none;background:rgba(255,255,255,.05);border:0;box-shadow:none;margin-bottom:10px}
  .has-sub:hover .sub,.has-sub:focus-within .sub{transform:none}
  .sub.open{display:block}
  .sub a{color:#DCE8E2}
  .sub a:hover{background:rgba(255,255,255,.08);color:#fff}
  .sub .all a{color:var(--gold-light);border-top-color:rgba(255,255,255,.1)}
  body.nav-open{overflow:hidden}
}
@media (max-width:640px){
  .wrap{padding:0 16px}
  .hero{padding:56px 0 64px}
  .section{padding:60px 0}
  .cat-grid,.tool-grid{grid-template-columns:1fr 1fr;gap:12px}
  .cat,.tool{padding:18px}
  .bank-grid,.guide-grid{grid-template-columns:1fr}
  .search button{padding:12px 16px}
  .hero-ctas .btn{flex:1 1 100%}
  .tips{padding:24px}
  .foot-grid{grid-template-columns:1fr;gap:28px}
}
@media (max-width:380px){
  .cat-grid,.tool-grid{grid-template-columns:1fr}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}