/* ==========================================================================
   Lanternway Credit Union (concept site)
   One shared stylesheet. Sections:
   1. Tokens and reset        8. Hero and illustrations   15. Locations and map
   2. Layout and type         9. Cards, tasks, stats      16. Join wizard
   3. Buttons and focus      10. Carousel                 17. About
   4. Top bars and utility   11. Rates and tables         18. Help
   5. Header and nav         12. Calculator               19. Footer
   6. Search                 13. Tabs                     20. Motion and print
   7. Modal                  14. Accordion and forms
   ========================================================================== */

/* 1. Tokens and reset ---------------------------------------------------- */
:root {
  --forest: #123B2E;
  --forest-2: #1B5340;
  --forest-3: #0C2A20;
  --paper: #F6F1E7;
  --gold: #F2A93B;
  --gold-soft: #FBE3B4;
  --ink: #14201B;
  --sage: #DCE5D6;
  --sage-2: #C4D3BE;
  --white: #fff;
  --muted: #455850;
  --line: #D6CEBB;
  --ok: #0F5A3F;
  --ok-bg: #DDEFE2;
  --bad: #8A2B16;
  --bad-bg: #F9E1DA;
  --radius: 22px;
  --radius-sm: 14px;
  --shadow: 0 1px 2px rgba(18, 59, 46, .06), 0 10px 28px rgba(18, 59, 46, .08);
  --shadow-lg: 0 2px 4px rgba(18, 59, 46, .08), 0 22px 48px rgba(18, 59, 46, .16);
  --head: "Bricolage Grotesque", "Trebuchet MS", system-ui, sans-serif;
  --body: "Inter", system-ui, -apple-system, "Segoe UI", sans-serif;
  --wrap: 1200px;
}
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; scroll-padding-top: 90px; }
body {
  margin: 0; background: var(--paper); color: var(--ink);
  font: 400 1.0625rem/1.65 var(--body); overflow-x: hidden;
}
img, svg { max-width: 100%; }
h1, h2, h3, h4 { font-family: var(--head); font-weight: 700; line-height: 1.1; margin: 0 0 .5em; letter-spacing: -.02em; text-wrap: balance; }
p { margin: 0 0 1em; }
ul, ol { margin: 0 0 1em; padding-left: 1.25em; }
a { color: var(--forest); text-underline-offset: .18em; }
a:hover { color: var(--forest-2); }
table { border-collapse: collapse; width: 100%; }
button, input, select, textarea { font: inherit; color: inherit; }
.ic { width: 1.25em; height: 1.25em; fill: none; stroke: currentColor; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; flex: none; }
.sr { position: absolute !important; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.js-only { display: none; }
[hidden] { display: none !important; }
.js .js-only { display: revert; }
.js .no-js-only { display: none; }

/* 2. Layout and type ----------------------------------------------------- */
.wrap { width: 100%; max-width: var(--wrap); margin-inline: auto; padding-inline: 24px; }
.grid { display: grid; grid-template-columns: repeat(12, minmax(0, 1fr)); gap: 24px; }
.grid > * { grid-column: span 12; min-width: 0; }
@media (min-width: 720px) {
  .c-6, .c-4, .c-3 { grid-column: span 6; }
  .c-8 { grid-column: span 12; }
}
@media (min-width: 980px) {
  .c-3 { grid-column: span 3; } .c-4 { grid-column: span 4; } .c-5 { grid-column: span 5; }
  .c-6 { grid-column: span 6; } .c-7 { grid-column: span 7; } .c-8 { grid-column: span 8; }
}
.section { padding: clamp(56px, 8vw, 104px) 0; }
.section-tight { padding: clamp(36px, 5vw, 64px) 0; }
.section-sage { background: var(--sage); }
.section-dark { background: var(--forest); color: var(--paper); }
.section-dark a { color: var(--gold-soft); }
.section-dark a.btn-gold { color: var(--ink); }
.section-dark a.btn-line { color: var(--paper); }
.section-head { max-width: 700px; margin-bottom: clamp(28px, 4vw, 48px); }
.section-head p { color: var(--muted); font-size: 1.125rem; }
.section-dark .section-head p { color: #D3DDD5; }
h1 { font-size: clamp(2.3rem, 5.6vw, 4.4rem); }
h2 { font-size: clamp(1.8rem, 3.6vw, 2.9rem); }
h3 { font-size: 1.4rem; }
h4 { font-size: 1.1rem; }
.eyebrow { font: 700 .8rem/1 var(--body); letter-spacing: .14em; text-transform: uppercase; color: var(--forest-2); margin-bottom: 14px; display: block; }
.section-dark .eyebrow, .hero .eyebrow, .page-hero.dark .eyebrow { color: var(--gold); }
.lead { font-size: 1.2rem; color: var(--muted); max-width: 60ch; }
.small { font-size: .9rem; color: var(--muted); }
.page-hero { padding: clamp(48px, 7vw, 88px) 0 clamp(32px, 5vw, 56px); background: var(--sage); position: relative; overflow: hidden; }
.page-hero.dark { background: var(--forest); color: var(--paper); }
.page-hero.dark .lead { color: #D3DDD5; }
.page-hero .glow { position: absolute; right: -120px; top: -140px; width: 480px; height: 480px; border-radius: 50%; background: radial-gradient(circle, rgba(242, 169, 59, .5), rgba(242, 169, 59, 0) 65%); pointer-events: none; }
.page-hero .wrap { position: relative; }
.crumbs { font-size: .9rem; margin-bottom: 18px; color: var(--muted); }
.page-hero.dark .crumbs { color: #C6D3CB; }
.crumbs a { color: inherit; }
.jump { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 28px; padding: 0; list-style: none; }
.jump a { display: inline-block; padding: 8px 16px; border-radius: 999px; background: var(--white); border: 1px solid var(--line); text-decoration: none; font-weight: 600; font-size: .95rem; color: var(--ink); }
.jump a:hover { background: var(--gold-soft); border-color: var(--gold); }

/* 3. Buttons and focus --------------------------------------------------- */
:focus-visible { outline: 3px solid var(--ink); outline-offset: 2px; box-shadow: 0 0 0 6px var(--gold); border-radius: 6px; }
.skip { position: absolute; left: 12px; top: -80px; z-index: 300; background: var(--gold); color: var(--ink); padding: 12px 18px; border-radius: 10px; font-weight: 700; }
.skip:focus { top: 12px; }
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px; min-height: 48px;
  padding: 12px 26px; border-radius: 999px; border: 2px solid transparent; font: 700 1rem/1.2 var(--body);
  text-decoration: none; cursor: pointer; transition: transform .18s ease, box-shadow .18s ease, background .18s ease;
}
.btn:hover { transform: translateY(-2px); box-shadow: var(--shadow); }
.btn-gold { background: var(--gold); color: var(--ink); }
.btn-gold:hover { background: #F7B958; color: var(--ink); }
.btn-forest { background: var(--forest); color: var(--white); }
.btn-forest:hover { background: var(--forest-2); color: var(--white); }
.btn-line { background: transparent; border-color: currentColor; color: var(--forest); }
.btn-line:hover { background: rgba(18, 59, 46, .07); }
.section-dark .btn-line, .hero .btn-line, .page-hero.dark .btn-line { color: var(--paper); }
.section-dark .btn-line:hover { background: rgba(255, 255, 255, .1); color: var(--paper); }
.btn-sm { min-height: 40px; padding: 8px 18px; font-size: .95rem; }
.btn-row { display: flex; flex-wrap: wrap; gap: 14px; }
.link-arrow { font-weight: 700; display: inline-flex; align-items: center; gap: 6px; }
.link-arrow .ic { transition: transform .18s; }
.link-arrow:hover .ic { transform: translateX(4px); }

/* 4. Top bars and utility ------------------------------------------------ */
.fraud { background: var(--gold); color: var(--ink); font-size: .95rem; }
.fraud-in { display: flex; align-items: center; justify-content: space-between; gap: 16px; padding-block: 10px; }
.fraud p { margin: 0; line-height: 1.45; }
.fraud-x { background: none; border: 0; padding: 8px; border-radius: 50%; cursor: pointer; display: grid; place-items: center; }
.fraud-x:hover { background: rgba(20, 32, 27, .12); }
.util { background: var(--forest-3); color: #E3EBE5; font-size: .92rem; }
.util-in { display: flex; flex-wrap: wrap; align-items: center; gap: 10px 22px; padding-block: 8px; }
.util a { color: #fff; }
.util-info { display: flex; flex-wrap: wrap; gap: 4px 22px; list-style: none; margin: 0; padding: 0; }
.util-info li { display: flex; align-items: center; gap: 6px; }
.util-right { margin-left: auto; display: flex; align-items: center; gap: 14px; flex-wrap: nowrap; }
.util-right .site-search { flex: 0 1 340px; }
.util .btn-login { white-space: nowrap; flex: none; background: transparent; border: 1.5px solid #E3EBE5; color: #fff; min-height: 38px; padding: 6px 18px; border-radius: 999px; font-weight: 700; text-decoration: none; display: inline-flex; align-items: center; gap: 8px; cursor: pointer; }
.util .btn-login:hover { background: #fff; color: var(--forest); }

/* 5. Header and nav ------------------------------------------------------ */
.site-header { position: sticky; top: 0; z-index: 90; background: rgba(246, 241, 231, .96); backdrop-filter: blur(8px); border-bottom: 1px solid var(--line); }
.hdr { display: flex; align-items: center; justify-content: space-between; gap: 16px; min-height: 76px; }
.logo { display: inline-flex; align-items: center; gap: 10px; text-decoration: none; color: var(--forest); font: 800 1.4rem/1 var(--head); letter-spacing: -.03em; position: relative; }
.logo svg { width: 34px; height: 41px; position: relative; z-index: 1; }
.logo::before { content: ""; position: absolute; left: -14px; top: -6px; width: 62px; height: 62px; border-radius: 50%; background: radial-gradient(circle, rgba(242, 169, 59, .5), rgba(242, 169, 59, 0) 68%); animation: pulse 4.5s ease-in-out infinite; }
.logo span { position: relative; }
.logo small { display: block; font: 600 .66rem/1 var(--body); letter-spacing: .16em; text-transform: uppercase; color: var(--muted); margin-top: 4px; }
.nav-toggle { display: none; align-items: center; gap: 8px; background: var(--forest); color: #fff; border: 0; border-radius: 999px; padding: 10px 18px; font-weight: 700; cursor: pointer; min-height: 44px; }
.site-nav ul { list-style: none; margin: 0; padding: 0; }
.nav-list { display: flex; align-items: center; gap: 2px; }
.nav-list > li { position: relative; }
.sub-toggle { display: inline-flex; align-items: center; gap: 6px; background: none; border: 0; padding: 12px 14px; border-radius: 12px; font-weight: 600; cursor: pointer; color: var(--ink); min-height: 44px; }
.sub-toggle:hover, .sub-toggle[aria-expanded="true"] { background: var(--sage); }
.sub-toggle .ic { width: 1em; height: 1em; transition: transform .2s; }
.sub-toggle[aria-expanded="true"] .ic { transform: rotate(180deg); }
body[data-page="bank"] .nav-bank > .sub-toggle, body[data-page="borrow"] .nav-borrow > .sub-toggle, body[data-page="rates"] .nav-rates > .sub-toggle,
body[data-page="locations"] .nav-locations > .sub-toggle, body[data-page="about"] .nav-about > .sub-toggle, body[data-page="help"] .nav-help > .sub-toggle { box-shadow: inset 0 -3px 0 var(--gold); border-radius: 12px 12px 0 0; }
.sub { position: absolute; left: 0; top: 100%; min-width: 250px; background: var(--white); border: 1px solid var(--line); border-radius: 18px; box-shadow: var(--shadow-lg); padding: 10px; z-index: 5; }
.sub a { display: block; padding: 10px 14px; border-radius: 10px; text-decoration: none; color: var(--ink); font-weight: 500; }
.sub a:hover { background: var(--sage); }
.sub a small { display: block; color: var(--muted); font-size: .84rem; font-weight: 400; }
.nav-cta { margin-left: 10px; }
.nav-close { display: none; }
.js .sub { display: none; }
.js .sub.open { display: block; }
html:not(.js) .sub { display: none; }
html:not(.js) .has-sub:hover .sub, html:not(.js) .has-sub:focus-within .sub { display: block; }
@media (max-width: 1079px) {
  .nav-toggle { display: none; }
  .js .nav-toggle { display: inline-flex; }
  .hdr { flex-wrap: wrap; padding-block: 8px; }
  /* backdrop-filter would trap the fixed full-screen menu inside the header box */
  .site-header { backdrop-filter: none; background: var(--paper); }
  .site-nav { width: 100%; }
  .nav-list { flex-wrap: wrap; gap: 0 4px; }
  html:not(.js) .sub { display: block; position: static; box-shadow: none; border: 0; padding: 0 0 0 10px; background: none; }
  html:not(.js) .sub-toggle { cursor: default; }
  html:not(.js) .nav-list { align-items: flex-start; flex-direction: column; padding-bottom: 12px; }
  .js .site-nav { display: none; }
  .js .site-nav.open {
    display: block; position: fixed; inset: 0; z-index: 200; background: var(--paper); overflow-y: auto; padding: 18px 24px 40px;
  }
  .js .nav-close { display: flex; margin: 0 0 18px auto; align-items: center; gap: 8px; background: var(--forest); color: #fff; border: 0; border-radius: 999px; padding: 10px 18px; font-weight: 700; cursor: pointer; min-height: 44px; }
  .js .nav-list { flex-direction: column; align-items: stretch; gap: 0; }
  .js .nav-list > li { border-bottom: 1px solid var(--line); }
  .js .sub-toggle { width: 100%; justify-content: space-between; font: 700 1.5rem/1.2 var(--head); padding: 18px 4px; border-radius: 0; }
  .js .sub { position: static; box-shadow: none; border: 0; padding: 0 0 14px 8px; min-width: 0; background: none; }
  .js .sub a { font-size: 1.1rem; padding: 12px 10px; }
  .js .nav-cta { margin: 22px 0 0; border: 0 !important; }
  .js .nav-cta .btn { width: 100%; }
  body[data-page] .nav-list > li > .sub-toggle { box-shadow: none; }
  body.menu-open { overflow: hidden; }
}
@media (min-width: 1080px) {
  .nav-list { flex-wrap: nowrap; }
}

/* 6. Search -------------------------------------------------------------- */
.site-search { position: relative; flex: 1 1 260px; max-width: 380px; }
.site-search input[type="search"] { width: 100%; min-height: 40px; border-radius: 999px; border: 1.5px solid #5E7A6D; background: #0E2D23; color: #fff; padding: 6px 16px 6px 40px; }
.site-search input[type="search"]::placeholder { color: #B6C6BC; }
.site-search .ic { position: absolute; left: 13px; top: 11px; color: #C9D6CE; pointer-events: none; }
.search-results { position: absolute; left: 0; right: 0; top: calc(100% + 8px); background: var(--white); color: var(--ink); border-radius: 18px; box-shadow: var(--shadow-lg); border: 1px solid var(--line); list-style: none; margin: 0; padding: 8px; z-index: 120; max-height: 60vh; overflow: auto; min-width: min(380px, 92vw); }
.search-results a { display: block; padding: 10px 12px; border-radius: 10px; text-decoration: none; color: var(--ink); }
.search-results a strong { display: block; }
.search-results a span { font-size: .88rem; color: var(--muted); }
.search-results a[aria-selected="true"], .search-results a:hover { background: var(--gold-soft); }
.search-results .none { padding: 12px; color: var(--muted); }
@media (max-width: 719px) { .util-right { margin-left: 0; width: 100%; } .site-search { max-width: none; } }

/* 7. Modal --------------------------------------------------------------- */
.modal { display: none; position: fixed; inset: 0; z-index: 400; background: rgba(12, 42, 32, .72); padding: 20px; place-items: center; overflow-y: auto; }
.modal:target, .modal.open { display: grid; }
.modal-card { background: var(--white); border-radius: var(--radius); padding: 32px; width: min(440px, 100%); position: relative; box-shadow: var(--shadow-lg); }
.modal-card h2 { font-size: 1.8rem; }
.modal-x { position: absolute; right: 12px; top: 12px; width: 44px; height: 44px; display: grid; place-items: center; border-radius: 50%; color: var(--ink); background: var(--sage); }
.modal .notice { margin-top: 18px; }
.notice { background: var(--gold-soft); border: 1px solid var(--gold); border-radius: var(--radius-sm); padding: 12px 16px; font-size: .95rem; color: var(--ink); }
.notice.ok { background: var(--ok-bg); border-color: #7DB892; }

/* 8. Hero and illustrations --------------------------------------------- */
.hero { background: var(--forest); color: var(--paper); position: relative; overflow: hidden; padding: clamp(40px, 6vw, 80px) 0 clamp(48px, 7vw, 96px); }
.hero::before { content: ""; position: absolute; right: -10%; top: -20%; width: 70%; aspect-ratio: 1; border-radius: 50%; background: radial-gradient(circle, rgba(242, 169, 59, .28), rgba(242, 169, 59, 0) 62%); pointer-events: none; }
.hero .wrap { position: relative; }
.hero-grid { align-items: center; }
.hero h1 { color: #fff; margin-bottom: 22px; }
.hero h1 em { font-style: normal; color: var(--gold); }
.hero .lead { color: #D3DDD5; margin-bottom: 30px; }
.hero-art { border-radius: 28px; overflow: hidden; box-shadow: 0 30px 70px rgba(0, 0, 0, .35); border: 1px solid rgba(255, 255, 255, .14); line-height: 0; }
.hero-art svg { width: 100%; height: auto; display: block; }
.hero-points { display: flex; flex-wrap: wrap; gap: 8px 22px; list-style: none; padding: 0; margin: 28px 0 0; font-size: .95rem; color: #D3DDD5; }
.hero-points li { display: flex; align-items: center; gap: 8px; }
.hero-points .ic { color: var(--gold); }
.win { animation: twinkle 6s ease-in-out infinite; }
.win.w2 { animation-delay: -2s; } .win.w3 { animation-delay: -4s; }
.spot { background: var(--sage); border-radius: var(--radius-sm); line-height: 0; overflow: hidden; }
.spot svg { width: 100%; height: auto; }
.window-shape { border-radius: 90px 90px 18px 18px; }

/* 9. Cards, tasks, stats ------------------------------------------------- */
.card { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 28px; box-shadow: var(--shadow); transition: transform .2s ease, box-shadow .2s ease; height: 100%; }
a.card, .card.lift { text-decoration: none; color: inherit; display: block; }
.card.lift:hover, a.card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.card .spot { margin: -8px -8px 20px; }
.card h3 { margin-bottom: 10px; }
.card p:last-child { margin-bottom: 0; }
.card .big { font: 800 2.6rem/1 var(--head); color: var(--forest); letter-spacing: -.03em; }
.card .big small { font-size: .95rem; font-weight: 600; color: var(--muted); letter-spacing: 0; }
.tag { display: inline-block; font-size: .78rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; background: var(--sage); color: var(--forest); border-radius: 999px; padding: 5px 12px; margin-bottom: 14px; }
.check-list { list-style: none; padding: 0; margin: 0 0 1.2em; }
.check-list li { position: relative; padding: 5px 0 5px 30px; }
.check-list li::before { content: ""; position: absolute; left: 0; top: .72em; width: 18px; height: 10px; border-left: 3px solid var(--forest); border-bottom: 3px solid var(--forest); transform: translateY(-50%) rotate(-45deg) scale(.8); }
.tasks { display: grid; grid-template-columns: repeat(auto-fill, minmax(min(100%, 240px), 1fr)); gap: 16px; list-style: none; padding: 0; margin: 0; }
.task { display: flex; align-items: center; gap: 16px; background: var(--white); border: 1px solid var(--line); border-radius: 20px; padding: 18px 20px; text-decoration: none; color: var(--ink); font: 700 1.1rem/1.2 var(--head); transition: transform .2s, box-shadow .2s, border-color .2s; min-height: 84px; }
.task:hover { transform: translateY(-3px); box-shadow: var(--shadow); border-color: var(--gold); color: var(--ink); }
.task .ico { width: 52px; height: 52px; border-radius: 16px 16px 16px 16px; background: var(--sage); display: grid; place-items: center; color: var(--forest); flex: none; position: relative; }
.task:hover .ico { background: var(--gold); }
.task .ic { width: 26px; height: 26px; }
.task small { display: block; font: 400 .88rem/1.3 var(--body); color: var(--muted); margin-top: 2px; }
.rate-strip { display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 190px), 1fr)); gap: 0; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow); overflow: hidden; margin: 0; }
.rate-strip > div { padding: 24px; border-left: 1px solid var(--line); }
.rate-strip > div:first-child { border-left: 0; }
.rate-strip dt { font-size: .9rem; color: var(--muted); font-weight: 600; margin-bottom: 6px; }
.rate-strip dd { margin: 0; font: 800 2.3rem/1 var(--head); color: var(--forest); letter-spacing: -.03em; }
.rate-strip dd small { font: 600 .85rem var(--body); color: var(--muted); letter-spacing: 0; }
@media (max-width: 700px) { .rate-strip > div { border-left: 0; border-top: 1px solid var(--line); } .rate-strip > div:first-child { border-top: 0; } }
.stats { display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 200px), 1fr)); gap: 20px; margin: 0; }
.stat { text-align: left; padding: 8px 0 8px 22px; border-left: 3px solid var(--gold); }
.stat dd { margin: 0; font: 800 clamp(2.4rem, 5vw, 3.6rem)/1 var(--head); color: #fff; letter-spacing: -.03em; }
.stat dt { color: #D3DDD5; margin-top: 6px; }
.stat { display: flex; flex-direction: column-reverse; justify-content: flex-end; }
.quote { margin: 0; background: var(--white); border-radius: var(--radius); padding: 30px; border: 1px solid var(--line); box-shadow: var(--shadow); height: 100%; position: relative; }
.quote::before { content: "\201C"; position: absolute; top: 6px; left: 22px; font: 800 4.5rem/1 var(--head); color: var(--gold); }
.quote p { font-size: 1.12rem; margin-top: 34px; }
.quote footer { font-weight: 700; color: var(--forest); }
.quote footer span { font-weight: 400; color: var(--muted); }
.cta-band { background: var(--forest); color: var(--paper); border-radius: 32px; padding: clamp(32px, 6vw, 72px); position: relative; overflow: hidden; }
.cta-band::after { content: ""; position: absolute; right: -80px; bottom: -160px; width: 440px; height: 440px; border-radius: 50%; background: radial-gradient(circle, rgba(242, 169, 59, .5), rgba(242, 169, 59, 0) 65%); pointer-events: none; }
.cta-band > * { position: relative; z-index: 1; }
.cta-band h2 { color: #fff; max-width: 18ch; }
.cta-band p { color: #D3DDD5; max-width: 52ch; }

/* 10. Carousel ----------------------------------------------------------- */
.carousel { position: relative; }
.slides { display: grid; gap: 24px; }
.slide { background: var(--forest-2); border: 1px solid rgba(255, 255, 255, .14); border-radius: 28px; padding: clamp(24px, 4vw, 48px); display: grid; gap: 28px; align-items: center; }
@media (min-width: 860px) { .slide { grid-template-columns: 1.2fr .8fr; } }
.slide h3 { font-size: clamp(1.7rem, 3.4vw, 2.6rem); color: #fff; }
.slide p { color: #D3DDD5; }
.slide .big { font: 800 clamp(3rem, 7vw, 5rem)/1 var(--head); color: var(--gold); letter-spacing: -.04em; }
.slide .big small { font: 600 1rem var(--body); color: #D3DDD5; letter-spacing: 0; }
.slide .spot { background: rgba(255, 255, 255, .08); border-radius: 24px; }
.carousel.is-active .slide[hidden] { display: none; }
.carousel-ctl { display: flex; align-items: center; gap: 12px; margin-top: 20px; flex-wrap: wrap; }
.carousel-ctl button { min-height: 44px; min-width: 44px; border-radius: 999px; border: 1.5px solid rgba(255, 255, 255, .55); background: transparent; color: #fff; cursor: pointer; padding: 0 16px; font-weight: 700; display: inline-flex; align-items: center; justify-content: center; gap: 8px; }
.carousel-ctl button:hover { background: rgba(255, 255, 255, .14); }
.carousel-ctl .count { color: #D3DDD5; font-size: .95rem; margin-left: auto; }
.dots { display: flex; gap: 8px; }
.dots button { min-width: 44px; padding: 0; }
.dots button[aria-current="true"] { background: var(--gold); color: var(--ink); border-color: var(--gold); }

/* 11. Rates and tables --------------------------------------------------- */
.table-wrap { margin-bottom: 8px; }
.table-scroll { overflow: auto; max-height: min(72vh, 620px); border: 1px solid var(--line); border-radius: var(--radius); background: var(--white); box-shadow: var(--shadow); }
.table-scroll:focus-visible { border-radius: var(--radius); }
.rate-table { min-width: 560px; }
.rate-table caption { text-align: left; padding: 18px 20px 4px; font: 700 1.2rem var(--head); }
.rate-table th, .rate-table td { padding: 14px 20px; text-align: left; border-bottom: 1px solid var(--line); vertical-align: top; }
.rate-table thead th { position: sticky; top: 0; background: var(--forest); color: #fff; font-size: .9rem; letter-spacing: .04em; z-index: 1; }
.rate-table tbody th { font-weight: 600; background: var(--white); }
.rate-table tbody tr:nth-child(even) td, .rate-table tbody tr:nth-child(even) th { background: #FAF7F0; }
.rate-table td.num, .rate-table th.num { text-align: right; font-variant-numeric: tabular-nums; }
.rate-table td.num strong { font: 800 1.15rem var(--head); color: var(--forest); }
.rate-table tbody tr:last-child > * { border-bottom: 0; }
.scroll-hint { display: none; font-size: .88rem; color: var(--muted); margin: 8px 4px 0; align-items: center; gap: 8px; }
@media (max-width: 760px) { .scroll-hint { display: flex; } }
.rate-block { margin-bottom: 56px; scroll-margin-top: 100px; }
.rate-block h2 { font-size: 1.9rem; }
.effective { display: inline-flex; align-items: center; gap: 8px; background: var(--white); border: 1px solid var(--line); padding: 8px 16px; border-radius: 999px; font-weight: 600; font-size: .95rem; }
.compare { border: 1px solid var(--line); border-radius: var(--radius); background: var(--white); box-shadow: var(--shadow); overflow: hidden; }
.compare th, .compare td { padding: 16px 20px; text-align: left; border-bottom: 1px solid var(--line); vertical-align: top; }
.compare thead th { background: var(--forest); color: #fff; font-family: var(--head); font-size: 1.15rem; }
.compare tbody th { font-weight: 700; background: var(--sage); width: 20%; }
.compare .pick { background: var(--gold-soft); }
.compare thead .pick { background: var(--gold); color: var(--ink); }
.compare tr:last-child > * { border-bottom: 0; }
@media (max-width: 800px) {
  .compare, .compare tbody, .compare tr, .compare th, .compare td { display: block; width: auto !important; }
  .compare thead { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); }
  .compare { border: 0; background: none; box-shadow: none; }
  .compare tbody { display: grid; gap: 20px; }
  .compare tr { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow); }
  .compare tbody th { background: var(--forest); color: #fff; font: 700 1.2rem var(--head); }
  .compare td { border-bottom: 1px solid var(--line); }
  .compare td::before { content: attr(data-label); display: block; font-size: .8rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--muted); margin-bottom: 2px; }
}
/* On mobile the compare table is rotated: each account is one row of cells */
.compare-mobile-note { display: none; }

/* 12. Calculator --------------------------------------------------------- */
.calc { background: var(--white); border: 1px solid var(--line); border-radius: 28px; box-shadow: var(--shadow); padding: clamp(22px, 4vw, 44px); }
.calc-grid { display: grid; gap: 32px; }
@media (min-width: 900px) { .calc-grid { grid-template-columns: 1.1fr .9fr; } }
.field { margin-bottom: 22px; }
.field label, .field .lbl { display: block; font-weight: 700; margin-bottom: 8px; }
.pair { display: grid; grid-template-columns: 1fr 130px; gap: 16px; align-items: center; }
.pair input[type="number"] { width: 100%; }
input[type="range"] { width: 100%; accent-color: var(--forest); height: 32px; cursor: pointer; }
.result { background: var(--forest); color: var(--paper); border-radius: 22px; padding: 28px; position: relative; overflow: hidden; }
.result::after { content: ""; position: absolute; right: -60px; top: -60px; width: 220px; height: 220px; border-radius: 50%; background: radial-gradient(circle, rgba(242, 169, 59, .45), rgba(242, 169, 59, 0) 65%); pointer-events: none; }
.result > * { position: relative; z-index: 1; }
.result .lbl { color: #D3DDD5; font-size: .95rem; }
.result .pay { font: 800 clamp(2.8rem, 6vw, 4rem)/1 var(--head); letter-spacing: -.03em; margin: 4px 0 18px; color: #fff; }
.result .pay small { font-size: 1rem; font-weight: 600; letter-spacing: 0; color: #D3DDD5; }
.result dl { margin: 0 0 18px; display: grid; grid-template-columns: 1fr auto; gap: 8px 12px; }
.result dt { color: #D3DDD5; } .result dd { margin: 0; font-weight: 700; text-align: right; }
.bar { display: flex; height: 18px; border-radius: 999px; overflow: hidden; background: rgba(255, 255, 255, .15); }
.bar i { display: block; height: 100%; transition: width .3s ease; }
.bar .p { background: var(--paper); } .bar .i { background: var(--gold); }
.legend { display: flex; flex-wrap: wrap; gap: 6px 18px; font-size: .88rem; color: #D3DDD5; margin-top: 10px; }
.legend span::before { content: ""; display: inline-block; width: 12px; height: 12px; border-radius: 4px; margin-right: 6px; vertical-align: -1px; }
.legend .lp::before { background: var(--paper); } .legend .li::before { background: var(--gold); }
.mini-calc { display: grid; gap: 28px; align-items: center; }
@media (min-width: 900px) { .mini-calc { grid-template-columns: 1fr 1fr; } }

/* 13. Tabs --------------------------------------------------------------- */
.tablist { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 28px; }
.tablist [role="tab"] { border: 1.5px solid var(--line); background: var(--white); border-radius: 999px; padding: 12px 24px; font: 700 1.05rem var(--body); cursor: pointer; min-height: 48px; }
.tablist [role="tab"]:hover { border-color: var(--forest); }
.tablist [role="tab"][aria-selected="true"] { background: var(--forest); color: #fff; border-color: var(--forest); }
.tabpanel { margin-bottom: 40px; scroll-margin-top: 100px; }
.js .tabpanel[hidden] { display: none; }
.panel-grid { display: grid; gap: 28px; }
@media (min-width: 900px) { .panel-grid { grid-template-columns: 1.1fr .9fr; } }
.steps { counter-reset: s; list-style: none; padding: 0; margin: 0 0 1.4em; }
.steps li { counter-increment: s; position: relative; padding: 8px 0 8px 52px; }
.steps li::before { content: counter(s); position: absolute; left: 0; top: 4px; width: 36px; height: 36px; border-radius: 50%; background: var(--gold); color: var(--ink); display: grid; place-items: center; font: 800 1rem var(--head); }

/* 14. Accordion and forms ------------------------------------------------ */
.acc { display: grid; gap: 12px; }
.acc details { background: var(--white); border: 1px solid var(--line); border-radius: 18px; transition: box-shadow .2s; }
.acc details[open] { box-shadow: var(--shadow); border-color: var(--forest); }
.acc summary { list-style: none; cursor: pointer; padding: 18px 60px 18px 22px; font: 700 1.1rem/1.35 var(--head); position: relative; border-radius: 18px; }
.acc summary::-webkit-details-marker { display: none; }
.acc summary::after { content: ""; position: absolute; right: 22px; top: 50%; width: 11px; height: 11px; border-right: 3px solid var(--forest); border-bottom: 3px solid var(--forest); transform: translateY(-70%) rotate(45deg); transition: transform .2s; }
.acc details[open] summary::after { transform: translateY(-30%) rotate(-135deg); }
.acc .ans { padding: 0 22px 20px; color: var(--ink); }
.acc .ans p:last-child { margin-bottom: 0; }
label { font-weight: 600; }
input[type="text"], input[type="email"], input[type="password"], input[type="search"], input[type="number"], input[type="tel"], select, textarea {
  width: 100%; min-height: 48px; border: 1.5px solid #8C9A92; border-radius: 12px; padding: 10px 14px; background: var(--white);
}
textarea { min-height: 130px; resize: vertical; }
input:focus-visible, select:focus-visible, textarea:focus-visible { border-color: var(--forest); border-radius: 12px; }
.form-row { margin-bottom: 20px; }
.form-row label { display: block; margin-bottom: 6px; }
.hint { display: block; font-size: .9rem; color: var(--muted); margin-top: 4px; font-weight: 400; }
.err { display: none; color: var(--bad); font-weight: 600; font-size: .92rem; margin-top: 6px; }
.err::before { content: "! "; font-weight: 800; }
.has-error .err { display: block; }
.has-error input, .has-error select, .has-error textarea { border-color: var(--bad); background: #FFF8F6; }
.error-summary { background: var(--bad-bg); border: 1.5px solid var(--bad); color: var(--bad); border-radius: var(--radius-sm); padding: 14px 18px; margin-bottom: 22px; font-weight: 600; }
.error-summary[hidden] { display: none; }
fieldset { border: 0; padding: 0; margin: 0 0 22px; min-width: 0; }
legend { font: 700 1.3rem var(--head); padding: 0; margin-bottom: 12px; }
.choice { display: flex; gap: 14px; align-items: flex-start; background: var(--white); border: 1.5px solid var(--line); border-radius: 16px; padding: 16px 18px; margin-bottom: 10px; cursor: pointer; transition: border-color .15s, background .15s; font-weight: 400; }
.choice:hover { border-color: var(--forest); }
.choice:has(input:checked) { border-color: var(--forest); background: #EEF4EA; }
.choice input { width: 22px; height: 22px; margin-top: 3px; accent-color: var(--forest); flex: none; }
.choice strong { display: block; }
.choice span { color: var(--muted); font-size: .95rem; }
.chips { display: flex; flex-wrap: wrap; gap: 8px; }
.chip { border: 1.5px solid var(--line); background: var(--white); border-radius: 999px; padding: 8px 18px; font-weight: 600; cursor: pointer; min-height: 44px; display: inline-flex; align-items: center; gap: 8px; }
.chip[aria-pressed="true"] { background: var(--forest); color: #fff; border-color: var(--forest); }
.chip:hover { border-color: var(--forest); }

/* 15. Locations and map -------------------------------------------------- */
.loc-layout { display: grid; gap: 28px; align-items: start; }
@media (min-width: 1000px) { .loc-layout { grid-template-columns: 1fr 1fr; } .map-col { position: sticky; top: 100px; } }
.filters { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 22px; margin-bottom: 20px; box-shadow: var(--shadow); }
.branch-list { display: grid; gap: 16px; list-style: none; padding: 0; margin: 0; }
.branch { background: var(--white); border: 1.5px solid var(--line); border-radius: 20px; padding: 24px; transition: border-color .2s, box-shadow .2s, transform .2s; scroll-margin-top: 110px; }
.branch[hidden] { display: none; }
.branch:hover, .branch.is-hot, .branch:focus-within { border-color: var(--gold); box-shadow: var(--shadow-lg); transform: translateY(-2px); }
.branch h3 { display: flex; align-items: center; gap: 12px; font-size: 1.35rem; margin-bottom: 6px; }
.branch .num { width: 34px; height: 34px; border-radius: 50%; background: var(--forest); color: #fff; display: grid; place-items: center; font: 800 1rem var(--head); flex: none; }
.branch address { font-style: normal; color: var(--muted); margin-bottom: 10px; }
.badges { display: flex; flex-wrap: wrap; gap: 8px; margin: 10px 0; }
.badge { display: inline-flex; align-items: center; gap: 6px; font-size: .85rem; font-weight: 700; padding: 4px 12px; border-radius: 999px; background: var(--sage); color: var(--forest); }
.badge.open { background: var(--ok-bg); color: var(--ok); }
.badge.closed { background: var(--bad-bg); color: var(--bad); }
.badge.open::before, .badge.closed::before { content: ""; width: 8px; height: 8px; border-radius: 50%; background: currentColor; }
.hours { display: grid; grid-template-columns: auto 1fr; gap: 2px 14px; margin: 10px 0; font-size: .95rem; }
.hours dt { font-weight: 700; } .hours dd { margin: 0; }
.branch-svc { display: flex; flex-wrap: wrap; gap: 6px; list-style: none; padding: 0; margin: 8px 0 0; }
.branch-svc li { font-size: .82rem; background: #F2EEE2; border-radius: 8px; padding: 3px 10px; }
.map { background: var(--sage); border-radius: var(--radius); border: 1px solid var(--line); overflow: hidden; line-height: 0; box-shadow: var(--shadow); }
.map svg { width: 100%; height: auto; }
.pin circle.dot { fill: var(--forest); stroke: #fff; stroke-width: 3; transition: r .2s, fill .2s; }
.pin text { fill: #fff; font: 800 13px var(--head); text-anchor: middle; pointer-events: none; }
.pin .halo { fill: rgba(242, 169, 59, 0); transition: fill .2s; }
.pin:hover .halo, .pin.is-hot .halo, .pin:focus .halo { fill: rgba(242, 169, 59, .55); }
.pin.is-hot circle.dot, .pin:hover circle.dot { fill: #8A5200; }
.pin.dim { opacity: .25; }
.pin:focus-visible { outline: none; box-shadow: none; }
.pin:focus-visible circle.dot { stroke: var(--ink); stroke-width: 4; }
.map-label { font: 600 11px var(--body); fill: #3F5A4D; }
.no-results { padding: 24px; background: var(--white); border-radius: var(--radius); border: 1px dashed var(--line); }

/* 16. Join wizard -------------------------------------------------------- */
.wizard { background: var(--white); border: 1px solid var(--line); border-radius: 28px; box-shadow: var(--shadow); padding: clamp(22px, 4vw, 48px); max-width: 860px; margin-inline: auto; }
.progress { display: flex; gap: 0; list-style: none; padding: 0; margin: 0 0 36px; counter-reset: p; }
.progress li { flex: 1; text-align: center; font-size: .88rem; font-weight: 600; color: var(--muted); position: relative; counter-increment: p; padding-top: 48px; }
.progress li::before { content: counter(p); position: absolute; left: 50%; top: 0; transform: translateX(-50%); width: 36px; height: 36px; border-radius: 50%; background: var(--white); border: 2px solid var(--line); display: grid; place-items: center; font: 800 1rem var(--head); z-index: 1; color: var(--muted); }
.progress li::after { content: ""; position: absolute; left: -50%; top: 17px; width: 100%; height: 3px; background: var(--line); }
.progress li:first-child::after { display: none; }
.progress li.done::after, .progress li.current::after { background: var(--forest); }
.progress li.current { color: var(--ink); }
.progress li.current::before { background: var(--gold); border-color: var(--gold); color: var(--ink); }
.progress li.done::before { background: var(--forest); border-color: var(--forest); color: #fff; content: "\2713"; }
.js .wizard-step[hidden] { display: none; }
.wizard-step h2 { font-size: 2rem; }
.wizard-nav { display: flex; justify-content: space-between; gap: 12px; margin-top: 28px; flex-wrap: wrap; }
.review { margin: 0 0 24px; display: grid; gap: 0; border: 1px solid var(--line); border-radius: 16px; overflow: hidden; }
.review > div { display: grid; grid-template-columns: 140px 1fr; gap: 12px; padding: 14px 18px; border-bottom: 1px solid var(--line); }
.review > div:last-child { border-bottom: 0; }
.review dt { font-weight: 700; color: var(--muted); } .review dd { margin: 0; overflow-wrap: anywhere; }
.confirm { text-align: center; padding: 20px 0; }
.confirm .lantern-big { width: 96px; margin: 0 auto 14px; color: var(--forest); }
.confirm h2:focus { outline: none; }

/* 17. About -------------------------------------------------------------- */
.timeline { list-style: none; padding: 0; margin: 0; position: relative; }
.timeline::before { content: ""; position: absolute; left: 19px; top: 8px; bottom: 8px; width: 3px; background: var(--sage-2); border-radius: 3px; }
.timeline li { position: relative; padding: 0 0 36px 64px; }
.timeline li::before { content: ""; position: absolute; left: 6px; top: 6px; width: 29px; height: 29px; border-radius: 50%; background: var(--gold); border: 5px solid var(--paper); box-shadow: 0 0 0 3px var(--forest), 0 0 22px rgba(242, 169, 59, .7); }
.timeline .yr { font: 800 1.9rem/1 var(--head); color: var(--forest); display: block; margin-bottom: 6px; }
.person { text-align: left; }
.avatar { width: 84px; height: 84px; margin-bottom: 16px; }
.person h3 { font-size: 1.25rem; margin-bottom: 2px; }
.person .role { color: var(--forest-2); font-weight: 700; font-size: .95rem; margin-bottom: 10px; }
.give-num { font: 800 clamp(2.4rem, 5vw, 3.4rem)/1 var(--head); color: var(--gold); letter-spacing: -.03em; }
.pillars { counter-reset: pl; list-style: none; padding: 0; margin: 0; display: grid; gap: 16px; }
.pillars li { counter-increment: pl; background: var(--white); border: 1px solid var(--line); border-radius: 18px; padding: 20px 22px 20px 70px; position: relative; }
.pillars li::before { content: counter(pl); position: absolute; left: 20px; top: 18px; width: 36px; height: 36px; border-radius: 50%; background: var(--forest); color: #fff; display: grid; place-items: center; font: 800 1rem var(--head); }
.pillars strong { display: block; font: 700 1.15rem var(--head); }

/* 18. Help --------------------------------------------------------------- */
.help-search { max-width: 640px; margin-top: 26px; }
.help-search input { min-height: 56px; font-size: 1.1rem; border-radius: 999px; padding-left: 24px; }
.faq-hide[hidden] { display: none; }
.contact-cards { display: grid; gap: 20px; grid-template-columns: repeat(auto-fit, minmax(min(100%, 250px), 1fr)); }
.contact-cards .card { padding: 24px; }
.contact-cards .ic { width: 30px; height: 30px; color: var(--forest); margin-bottom: 10px; }
.contact-cards .phone { font: 800 1.7rem var(--head); }
.hours-table { max-width: 520px; }
.hours-table th, .hours-table td { padding: 10px 0; border-bottom: 1px solid var(--line); text-align: left; }
.hours-table td { text-align: right; }
.prose { max-width: 70ch; }
.prose h3 { margin-top: 1.4em; }

/* 19. Footer ------------------------------------------------------------- */
.site-footer { background: var(--forest-3); color: #C9D6CE; padding: clamp(48px, 6vw, 80px) 0 28px; margin-top: 0; }
.site-footer a { color: #fff; text-decoration-color: rgba(255, 255, 255, .4); }
.site-footer a:hover { color: var(--gold); }
.foot-grid { display: grid; gap: 32px; grid-template-columns: repeat(2, minmax(0, 1fr)); }
@media (min-width: 900px) { .foot-grid { grid-template-columns: 1.4fr repeat(4, 1fr); } }
.foot-brand { grid-column: 1 / -1; }
@media (min-width: 900px) { .foot-brand { grid-column: auto; } }
.site-footer .logo { color: #fff; }
.site-footer .logo small { color: #A9BBB0; }
.site-footer h2 { font: 700 1rem var(--body); letter-spacing: .1em; text-transform: uppercase; color: var(--gold); margin-bottom: 14px; }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer li { margin-bottom: 8px; }
.foot-hours { margin-top: 36px; padding: 22px 24px; border: 1px solid rgba(255, 255, 255, .16); border-radius: 18px; display: grid; gap: 8px 40px; font-size: .95rem; }
@media (min-width: 800px) { .foot-hours { grid-template-columns: auto 1fr; } }
.foot-hours h2 { margin: 0; }
.foot-hours p { margin: 0; }
.foot-labels { display: flex; flex-wrap: wrap; gap: 10px 14px; margin: 28px 0 14px; padding: 0; list-style: none; }
.foot-labels li { border: 1.5px solid rgba(255, 255, 255, .5); border-radius: 10px; padding: 6px 14px; font-weight: 700; font-size: .88rem; color: #fff; margin: 0; }
.fine { font-size: .86rem; color: #AFC0B5; max-width: 90ch; }
.concept { font-weight: 600; color: #fff; margin: 14px 0 0; font-size: .92rem; }

/* 20. Motion and print --------------------------------------------------- */
@keyframes pulse { 0%, 100% { opacity: .55; transform: scale(.92); } 50% { opacity: 1; transform: scale(1.08); } }
@keyframes twinkle { 0%, 100% { opacity: 1; } 50% { opacity: .55; } }
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation: none !important; transition: none !important; scroll-behavior: auto !important; }
  .btn:hover, .card.lift:hover, a.card:hover, .task:hover, .branch:hover { transform: none; }
}
@media print { .fraud, .util, .site-header, .site-footer .foot-grid, .modal { display: none !important; } }