/* Bankerpedia — visual system */

:root{
  --paper:#F3F4F6;
  --panel:#FFFFFF;
  --navy:#10223B;
  --ink:#10223B;
  --ink-soft:#54627A;
  --amber:#C9701A;
  --sage:#256C5E;
  --rule:#D4D8DF;
  --rule-soft:#E5E8ED;
  --shell:1140px;
}

*{box-sizing:border-box}

html{scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *{animation:none !important;transition:none !important}
}

body{
  margin:0;
  background:var(--paper);
  color:var(--ink);
  font-family:"Public Sans",system-ui,-apple-system,"Segoe UI",sans-serif;
  font-size:17px;
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
}

.shell{max-width:var(--shell);margin:0 auto;padding:0 26px}

a{color:var(--amber)}
a:focus-visible,button:focus-visible{outline:2px solid var(--amber);outline-offset:3px}

h1,h2,h3{
  font-family:"Space Grotesk","Public Sans",system-ui,sans-serif;
  font-weight:700;
  letter-spacing:-0.022em;
  margin:0;
}

/* ---------- masthead ---------- */

.masthead{background:var(--navy);color:#E7EBF1;position:sticky;top:0;z-index:20}
.masthead .shell{display:flex;align-items:center;justify-content:space-between;gap:22px;padding-top:15px;padding-bottom:15px}
.wordmark{font-family:"Space Grotesk",sans-serif;font-weight:700;font-size:21px;line-height:1;color:#fff;text-decoration:none;letter-spacing:-0.02em}
.wordmark span{display:block;font-family:"Public Sans",sans-serif;font-weight:400;font-size:11.5px;color:#93A2B8;margin-top:5px;letter-spacing:0}
.masthead nav{display:flex;gap:24px;font-size:14.5px}
.masthead nav a{color:#C4CEDC;text-decoration:none}
.masthead nav a:hover{color:#fff}
@media (max-width:820px){.masthead nav{display:none}}

/* ---------- hero ---------- */

.hero{background:var(--navy);color:#DDE4EE;padding:70px 0 76px}
.hero .shell{display:grid;grid-template-columns:1.08fr .92fr;gap:54px;align-items:center}
.hero h1{font-size:clamp(38px,5.2vw,58px);line-height:1.03;color:#fff}
.hero h1 em{font-style:normal;color:var(--amber)}
.hero p.lede{font-size:19px;max-width:46ch;margin:22px 0 0;color:#AFBBCC}
.hero-actions{display:flex;gap:13px;flex-wrap:wrap;margin-top:30px}

.btn{
  display:inline-block;padding:13px 25px;font-size:15.5px;font-weight:600;border-radius:6px;
  text-decoration:none;border:1px solid transparent;transition:background .16s ease,color .16s ease;
}
.btn-solid{background:var(--amber);color:#fff}
.btn-solid:hover{background:#A85A12}
.btn-line{background:transparent;color:#fff;border-color:#41536E}
.btn-line:hover{background:#1B3252}

/* signature element: the score panel */
.desk{background:#16294380;border:1px solid #2C4262;border-radius:10px;overflow:hidden;background:#152B49}
.desk h2{font-size:15px;font-family:"Public Sans",sans-serif;font-weight:600;color:#8FA3BE;padding:16px 20px;border-bottom:1px solid #2C4262;margin:0;letter-spacing:.04em;text-transform:uppercase}
.desk-row{padding:15px 20px;border-bottom:1px solid #223A5A}
.desk-row:last-of-type{border-bottom:0}
.desk-row .top{display:flex;justify-content:space-between;align-items:baseline;gap:14px}
.desk-row b{font-weight:600;font-size:15px;color:#E7EDF5}
.desk-row i{font-style:normal;font-family:"Space Grotesk",sans-serif;font-size:14px;color:var(--amber)}
.bar{height:6px;background:#22385A;border-radius:99px;margin-top:10px;overflow:hidden}
.bar span{display:block;height:100%;background:var(--amber);border-radius:99px}
.desk-foot{padding:14px 20px;font-size:13px;color:#8FA3BE;background:#11253F}

@media (max-width:880px){
  .hero .shell{grid-template-columns:1fr;gap:38px}
  .hero{padding:48px 0 54px}
}

/* ---------- sections ---------- */

section{padding:70px 0;border-bottom:1px solid var(--rule)}
.sec-head{max-width:58ch;margin-bottom:42px}
.sec-head h2{font-size:clamp(28px,3.5vw,38px);line-height:1.1}
.sec-head p{color:var(--ink-soft);margin:14px 0 0}

.ledger{border-top:2px solid var(--navy)}
.item{display:grid;grid-template-columns:.36fr .64fr;gap:40px;padding:28px 0;border-bottom:1px solid var(--rule)}
.item h3{font-size:22px}
.item .tag{display:inline-block;font-size:12.5px;color:var(--sage);border:1px solid var(--sage);padding:2px 10px;border-radius:99px;margin-top:10px;font-weight:600}
.item p{margin:0;color:var(--ink-soft)}
.item ul{margin:13px 0 0;padding-left:19px;color:var(--ink-soft);font-size:15.5px}
.item li{margin-bottom:5px}
@media (max-width:760px){.item{grid-template-columns:1fr;gap:14px}}

.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.step{background:var(--panel);border:1px solid var(--rule);border-radius:10px;padding:24px 22px}
.step .n{font-family:"Space Grotesk",sans-serif;font-weight:700;font-size:14px;color:var(--amber)}
.step h3{font-size:18px;margin:10px 0 8px}
.step p{margin:0;font-size:15px;color:var(--ink-soft)}
@media (max-width:860px){.steps{grid-template-columns:repeat(2,1fr)}}
@media (max-width:480px){.steps{grid-template-columns:1fr}}

.plans{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.plan{background:var(--panel);border:1px solid var(--rule);border-radius:12px;padding:28px 26px;display:flex;flex-direction:column}
.plan.lead{border-color:var(--navy);box-shadow:0 1px 0 var(--navy)}
.plan h3{font-size:21px}
.plan .price{font-family:"Space Grotesk",sans-serif;font-weight:700;font-size:36px;margin:12px 0 4px;line-height:1;color:var(--navy)}
.plan .price sub{font-family:"Public Sans",sans-serif;font-weight:400;font-size:13px;color:var(--ink-soft);vertical-align:baseline}
.plan p.note{font-size:14.5px;color:var(--ink-soft);margin:0 0 18px}
.plan ul{list-style:none;padding:0;margin:0 0 24px;font-size:15px}
.plan li{padding:8px 0;border-top:1px solid var(--rule-soft);color:var(--ink-soft)}
.plan .btn{margin-top:auto;text-align:center;background:var(--navy);color:#fff}
.plan .btn:hover{background:#1B3A63}
.plan.lead .btn{background:var(--amber)}
.plan.lead .btn:hover{background:#A85A12}
@media (max-width:860px){.plans{grid-template-columns:1fr}}

.split{display:grid;grid-template-columns:1fr 1fr;gap:52px}
.split p{color:var(--ink-soft)}
@media (max-width:760px){.split{grid-template-columns:1fr;gap:30px}}

.facts{background:var(--panel);border:1px solid var(--rule);border-radius:10px}
.facts div{display:grid;grid-template-columns:.42fr .58fr;gap:16px;padding:13px 20px;border-bottom:1px solid var(--rule-soft);font-size:15px}
.facts div:last-child{border-bottom:0}
.facts b{color:var(--ink-soft);font-weight:400}

.notice{background:#FBF1E6;border:1px solid #E4C79E;border-radius:10px;padding:22px 24px;font-size:15.5px;color:#6B4A22}
.notice strong{color:#4E3416}

.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:52px;align-items:start}
.contact-list{list-style:none;padding:0;margin:0}
.contact-list li{padding:14px 0;border-top:1px solid var(--rule)}
.contact-list span{display:block;font-size:13px;color:var(--ink-soft)}
.contact-list strong{font-weight:600;font-size:17px}
.contact-list a{text-decoration:none}
@media (max-width:760px){.contact-grid{grid-template-columns:1fr;gap:32px}}

footer{background:var(--navy);color:#93A2B8;padding:50px 0 56px;font-size:14.5px}
footer .shell{display:grid;grid-template-columns:1.2fr .8fr;gap:40px}
footer a{color:#C4CEDC;text-decoration:none;display:block;padding:5px 0}
footer a:hover{color:#fff}
footer h4{font-family:"Public Sans",sans-serif;font-size:13px;font-weight:600;color:#fff;margin:0 0 8px}
.foot-links{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.legal{grid-column:1 / -1;max-width:none;border-top:1px solid #24395A;margin-top:34px;padding-top:20px;font-size:13.5px}
@media (max-width:760px){footer .shell{grid-template-columns:1fr}}

/* ---------- policy documents ---------- */

.doc{padding:60px 0 78px}
.doc .shell{max-width:760px}
.doc h1{font-size:clamp(31px,4.4vw,44px);line-height:1.08;margin-bottom:10px}
.doc .updated{color:var(--ink-soft);font-size:14px;margin:0 0 40px}
.doc h2{font-size:23px;margin:38px 0 12px}
.doc h3{font-size:18px;margin:26px 0 8px}
.doc p,.doc li{color:var(--ink-soft)}
.doc ul{padding-left:20px}
.doc li{margin-bottom:7px}
.doc table{width:100%;border-collapse:collapse;margin:18px 0;font-size:15px}
.doc th,.doc td{text-align:left;padding:11px 12px;border:1px solid var(--rule);vertical-align:top}
.doc th{background:#E9ECF1;font-weight:600;color:var(--navy)}
.back{display:inline-block;margin-bottom:28px;font-size:14.5px;text-decoration:none}