/* Sky International Private Bank — design tokens (lighter navy palette) */
:root {
  --color-navy-950: #243652;
  --color-navy-900: #2d4260;
  --color-navy-800: #3a5577;
  --color-slate-600: #5c6b7f;
  --color-slate-400: #94a3b8;
  --color-cream: #f3f5f8;
  --color-page: #eef2f6;
  --color-white: #ffffff;
  --color-gold: #b8922a;
  --color-gold-muted: rgba(184, 146, 42, 0.14);
  --color-accent: #2a6fa8;
  --color-mega-bg: #e8ecf1;
  --color-mega-rule: #d2dae3;
  --color-mega-head: #dfe5ec;
  --font-sans: "Source Sans 3", system-ui, -apple-system, sans-serif;
  --font-serif: "Poppins", system-ui, -apple-system, sans-serif;
  --shadow-soft: 0 24px 48px rgba(36, 54, 82, 0.07);
  --radius-sm: 6px;
  --radius-md: 12px;
  --header-h: 72px;
  --fdic-h: 52px;
  /* Base reading size — scales with body */
  --fs-body: 1.125rem;
}

*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  font-size: 106.25%;
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: var(--font-sans);
  font-size: var(--fs-body);
  line-height: 1.62;
  color: var(--color-navy-900);
  background: var(--color-page);
}

.page-anchor {
  position: relative;
  height: 0;
  margin: 0;
  padding: 0;
  overflow: hidden;
  scroll-margin-top: calc(var(--fdic-h) + var(--header-h) + 1rem);
  pointer-events: none;
}

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

a {
  color: var(--color-navy-800);
  text-decoration-thickness: 1px;
  text-underline-offset: 3px;
}

a:hover {
  color: var(--color-gold);
}

.skip-link {
  position: absolute;
  left: -9999px;
  top: 0;
  z-index: 1000;
  padding: 0.75rem 1rem;
  background: var(--color-navy-900);
  color: var(--color-white);
}

.skip-link:focus {
  left: 0.5rem;
  top: 0.5rem;
}

/* FDIC top banner */
.fdic-banner {
  position: sticky;
  top: 0;
  z-index: 200;
  min-height: var(--fdic-h);
  display: flex;
  align-items: center;
  justify-content: flex-start;
  padding: 0;
  background: linear-gradient(
    180deg,
    var(--color-navy-900) 0%,
    var(--color-navy-800) 100%
  );
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

.fdic-banner__inner {
  width: 100%;
  max-width: 1400px;
  margin: 0 auto;
  padding: 0.6rem 1.5rem;
  display: flex;
  align-items: center;
  justify-content: flex-start;
  flex-wrap: wrap;
  gap: 0.65rem 1rem;
}

.fdic-banner__mark {
  font-family: var(--font-sans);
  font-size: clamp(1.5rem, 3.1vw, 2.1rem);
  font-weight: 800;
  letter-spacing: 0.08em;
  line-height: 1;
  color: var(--color-gold);
  flex-shrink: 0;
}

.fdic-banner__text {
  margin: 0;
  font-size: 0.8375rem;
  font-weight: 600;
  letter-spacing: 0.02em;
  text-align: left;
  color: rgba(255, 255, 255, 0.94);
  line-height: 1.35;
  flex: 1 1 220px;
  min-width: 0;
  font-style: italic;
}

/* Header */
.site-header {
  position: sticky;
  top: var(--fdic-h);
  z-index: 150;
  background: var(--color-white);
}

.site-header__bar {
  border-bottom: 1px solid var(--color-navy-800);
  box-shadow: 0 1px 0 rgba(255, 255, 255, 0.6);
}

.site-header__inner {
  max-width: 1400px;
  margin: 0 auto;
  padding: 0 1.5rem;
  min-height: var(--header-h);
  display: grid;
  grid-template-columns: auto 1fr auto;
  align-items: center;
  gap: 0.75rem 1.25rem;
}

.site-header__cta--desktop {
  grid-column: 3;
  grid-row: 1;
  display: flex;
  align-items: center;
  gap: 0.65rem;
  justify-self: end;
}

.btn--header {
  padding: 0.5rem 1rem;
  font-size: 0.9375rem;
  border-radius: 4px;
}

.brand {
  grid-column: 1;
  grid-row: 1;
  display: flex;
  align-items: center;
  text-decoration: none;
}

.brand__logo {
  width: auto;
  max-height: 70px;
  object-fit: contain;
}

.nav-toggle {
  display: none;
  grid-column: 3;
  grid-row: 1;
  justify-self: end;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  width: 44px;
  height: 44px;
  padding: 0;
  border: none;
  background: transparent;
  cursor: pointer;
}

.nav-toggle__bar {
  display: block;
  width: 22px;
  height: 2px;
  margin: 0 auto;
  background: var(--color-navy-900);
  border-radius: 1px;
}

.site-nav {
  grid-column: 2;
  grid-row: 1;
  justify-self: center;
  display: flex;
  align-items: center;
  gap: 1.25rem;
}

.site-nav__list {
  display: flex;
  flex-wrap: nowrap;
  align-items: stretch;
  gap: 0.25rem 0.35rem;
  list-style: none;
  margin: 0;
  padding: 0;
}

.site-nav__item {
  position: relative;
  display: flex;
  align-items: center;
}

.site-nav__trigger {
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  margin: 0;
  padding: 0.45rem 0.65rem 0.55rem;
  font-family: var(--font-sans);
  font-size: 1rem;
  font-weight: 700;
  color: var(--color-navy-900);
  background: transparent;
  border: none;
  border-bottom: 3px solid transparent;
  border-radius: 0;
  cursor: pointer;
  white-space: nowrap;
  transition:
    color 0.15s,
    border-color 0.15s;
}

.site-nav__item.is-open .site-nav__trigger {
  color: var(--color-accent);
  border-bottom-color: var(--color-accent);
}

.site-nav__trigger:hover,
.site-nav__trigger:focus-visible {
  color: var(--color-accent);
  outline: none;
}

.site-nav__trigger:focus-visible {
  box-shadow:
    0 0 0 2px var(--color-white),
    0 0 0 4px var(--color-navy-800);
}

.site-nav__chevron {
  display: block;
  width: 0.45rem;
  height: 0.45rem;
  border-right: 2px solid currentColor;
  border-bottom: 2px solid currentColor;
  transform: rotate(45deg) translateY(-1px);
  opacity: 0.75;
}

.site-nav__item.is-open .site-nav__chevron {
  transform: rotate(225deg) translateY(2px);
}

.site-nav__panel {
  position: absolute;
  z-index: 160;
}

.site-nav__panel[hidden] {
  display: none !important;
}

@media (min-width: 769px) {
  .mega-panel {
    position: fixed;
    left: 0;
    right: 0;
    top: calc(var(--fdic-h) + var(--header-h));
    width: 100%;
    min-width: 0;
    max-width: none;
    margin: 0;
    padding: 0;
    background: var(--color-mega-bg);
    border: none;
    border-top: 1px solid var(--color-mega-rule);
    border-bottom: 1px solid var(--color-mega-rule);
    border-radius: 0;
    box-shadow: 0 18px 40px rgba(36, 54, 82, 0.12);
  }

  .mega-panel::before {
    content: "";
    position: absolute;
    left: 0;
    right: 0;
    top: -18px;
    height: 18px;
    pointer-events: auto;
  }

  .mega-panel__inner {
    max-width: 1400px;
    margin: 0 auto;
    padding: 0 1.5rem;
  }

  .mega-panel__layout {
    display: grid;
    grid-template-columns: minmax(0, 1fr) minmax(240px, 280px);
    gap: 1.5rem 1.75rem;
    padding: 1.75rem 0 2rem;
    align-items: start;
  }

  .mega-panel__main {
    min-width: 0;
  }

  .mega-panel__grid {
    display: grid;
    grid-template-columns: repeat(4, minmax(0, 1fr));
    gap: 0;
    padding: 0;
    align-items: start;
  }

  .mega-panel__grid--support {
    grid-template-columns: repeat(4, minmax(0, 1fr));
  }

  .mega-panel__aside {
    width: 100%;
    min-width: 0;
    flex-shrink: 0;
    align-self: start;
  }

  .mega-panel__aside .mega-promo {
    width: 100%;
  }

  .mega-col__title {
    margin: 0 0 0.85rem;
    padding: 0.35rem 0 0.65rem;
    font-size: 0.875rem;
    font-weight: 700;
    letter-spacing: 0.04em;
    text-transform: uppercase;
    color: var(--color-navy-900);
    border-bottom: 1px solid var(--color-mega-rule);
    background: linear-gradient(
      180deg,
      var(--color-mega-head) 0%,
      transparent 100%
    );
    margin-left: -0.25rem;
    margin-right: -0.25rem;
    padding-left: 0.25rem;
    padding-right: 0.25rem;
  }

  .mega-col--rule {
    padding-left: 1.35rem;
    margin-left: 0;
    border-left: 1px solid var(--color-mega-rule);
  }

  .mega-col--rule:not(.mega-col--promo) .mega-col__title {
    margin-left: 0;
    margin-right: 0;
    padding-left: 0;
    padding-right: 0;
    background: transparent;
    border-bottom-color: var(--color-mega-rule);
  }

  .mega-col--help .mega-col__title {
    background: transparent;
  }

  .mega-col__links {
    list-style: none;
    margin: 0;
    padding: 0;
  }

  .mega-col__links a {
    display: block;
    padding: 0.42rem 0;
    font-size: 1rem;
    font-weight: 500;
    color: var(--color-navy-800);
    text-decoration: none;
    line-height: 1.35;
  }

  .mega-col__links a:hover,
  .mega-col__links a:focus-visible {
    color: var(--color-accent);
    text-decoration: underline;
    text-underline-offset: 3px;
    outline: none;
  }

  .mega-col__viewall {
    margin-top: 0.35rem;
    font-weight: 700 !important;
    color: var(--color-accent) !important;
  }

  .mega-help {
    list-style: none;
    margin: 0;
    padding: 0;
  }

  .mega-help a {
    display: flex;
    align-items: center;
    gap: 0.65rem;
    padding: 0.45rem 0;
    font-size: 1rem;
    font-weight: 600;
    color: var(--color-navy-900);
    text-decoration: none;
  }

  .mega-help a:hover,
  .mega-help a:focus-visible {
    color: var(--color-accent);
    outline: none;
  }

  .mega-help__glyph {
    flex-shrink: 0;
    width: 32px;
    height: 32px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 50%;
    background: var(--color-accent);
    color: var(--color-white);
  }

  .mega-help__glyph svg {
    display: block;
  }

  .mega-promo {
    display: flex;
    flex-direction: column;
    width: 100%;
    min-height: 260px;
    background: var(--color-white);
    border-radius: var(--radius-md);
    overflow: hidden;
    text-decoration: none;
    color: inherit;
    border: 1px solid var(--color-mega-rule);
    box-shadow: var(--shadow-soft);
    transition:
      box-shadow 0.2s,
      transform 0.2s;
  }

  .mega-promo:hover,
  .mega-promo:focus-visible {
    box-shadow: 0 20px 48px rgba(36, 54, 82, 0.14);
    transform: translateY(-2px);
    outline: none;
  }

  .mega-promo__media {
    position: relative;
    aspect-ratio: 16 / 10;
    overflow: hidden;
  }

  .mega-promo__media img {
    width: 100%;
    height: 100%;
    object-fit: cover;
  }

  .mega-promo__copy {
    padding: 1rem 1.15rem 1.15rem;
    flex: 1;
    display: flex;
    flex-direction: column;
    gap: 0.35rem;
  }

  .mega-promo__eyebrow {
    margin: 0;
    font-size: 0.75rem;
    font-weight: 700;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    color: var(--color-slate-600);
  }

  .mega-promo__title {
    margin: 0;
    font-size: 1.0625rem;
    font-weight: 700;
    line-height: 1.35;
    color: var(--color-navy-900);
  }

  .mega-promo__cta {
    margin-top: auto;
    display: inline-flex;
    align-self: flex-start;
    padding: 0.45rem 1rem;
    font-size: 0.875rem;
    font-weight: 700;
    color: var(--color-white);
    background: var(--color-accent);
    border-radius: 4px;
  }

  .mega-promo:hover .mega-promo__cta,
  .mega-promo:focus-visible .mega-promo__cta {
    background: var(--color-navy-800);
  }
}

.site-nav__actions--mobile {
  display: none;
}

.btn--ghost-light {
  background: rgba(255, 255, 255, 0.12);
  color: var(--color-white);
  border: 1px solid rgba(255, 255, 255, 0.45);
}

.btn--ghost-light:hover {
  background: rgba(255, 255, 255, 0.2);
  color: var(--color-white);
  border-color: rgba(255, 255, 255, 0.65);
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 0.55rem 1.1rem;
  font-family: var(--font-sans);
  font-weight: 600;
  font-size: 1rem;
  border-radius: var(--radius-sm);
  text-decoration: none;
  border: 1px solid transparent;
  cursor: pointer;
  transition:
    background 0.2s,
    color 0.2s,
    border-color 0.2s;
}

.btn__icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 22px;
  height: 22px;
  margin-right: 0.65rem;
}

.btn__icon svg {
  width: 22px;
  height: 22px;
}

.btn--primary {
  background: var(--color-navy-900);
  color: var(--color-white);
}

.btn--primary:hover {
  background: var(--color-navy-800);
  color: var(--color-white);
}

.btn--ghost {
  background: transparent;
  color: var(--color-navy-800);
  border-color: transparent;
}

.btn--ghost:hover {
  color: var(--color-gold);
}

.btn--outline {
  background: transparent;
  color: var(--color-navy-900);
  border-color: rgba(45, 66, 96, 0.22);
}

.btn--outline:hover {
  border-color: var(--color-accent);
  color: var(--color-accent);
}

.btn--primary.btn--header {
  background: var(--color-accent);
}

.btn--primary.btn--header:hover {
  background: var(--color-navy-800);
}

.btn--lg {
  padding: 0.75rem 1.35rem;
  font-size: 1.0625rem;
}

.btn--light {
  background: var(--color-white);
  color: var(--color-navy-900);
}

.btn--light:hover {
  background: var(--color-cream);
  color: var(--color-navy-900);
}

/* Hero */
.hero {
  position: relative;
  overflow: hidden;
}

.hero--immersive {
  min-height: min(82vh, 760px);
  display: flex;
  align-items: center;
  padding: 3rem 0 3.25rem;
}

.hero__media {
  position: absolute;
  inset: 0;
}

.hero__media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 22%;
}

.hero__scrim {
  position: absolute;
  inset: 0;
  background: linear-gradient(
    105deg,
    rgba(36, 54, 82, 0.88) 0%,
    rgba(36, 54, 82, 0.55) 42%,
    rgba(36, 54, 82, 0.25) 100%
  );
}

.hero__shell {
  position: relative;
  z-index: 1;
  width: 100%;
  max-width: 1200px;
}

.hero__card {
  max-width: min(100%, 520px);
  padding: 2rem 2.25rem;
  background: rgba(255, 255, 255, 0.97);
  border-radius: var(--radius-md);
  box-shadow: 0 28px 60px rgba(15, 31, 53, 0.18);
  border: 1px solid rgba(255, 255, 255, 0.5);
}

.hero__eyebrow {
  color: var(--color-slate-600);
}

.hero__title--card {
  margin: 0 0 1rem;
  font-family: var(--font-serif);
  font-size: clamp(2.15rem, 4.4vw, 3.05rem);
  font-weight: 600;
  line-height: 1.12;
  color: var(--color-navy-900);
  letter-spacing: -0.02em;
}

.hero__lead--card {
  margin: 0 0 1.2rem;
  font-size: 1.125rem;
  line-height: 1.62;
  color: var(--color-slate-600);
  max-width: none;
}

.hero__cta--card {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
}

.eyebrow {
  margin: 0 0 1rem;
  font-size: 0.875rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--color-gold);
}

/* Quick links (PenFed-style strip) */
.quick-links {
  position: relative;
  z-index: 2;
  margin-top: -1.5rem;
  margin-bottom: 0;
  padding: 0 1rem 1.25rem;
}

.quick-links__inner {
  display: flex;
  flex-wrap: wrap;
  align-items: stretch;
  justify-content: space-between;
  gap: 0;
  background: var(--color-white);
  border-radius: var(--radius-md);
  box-shadow: 0 16px 40px rgba(36, 54, 82, 0.1);
  border: 1px solid rgba(45, 66, 96, 0.08);
  overflow: hidden;
}

.quick-links__item {
  flex: 1 1 0;
  min-width: 7.5rem;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 0.4rem;
  padding: 0.85rem 0.65rem;
  font-size: 0.875rem;
  font-weight: 700;
  color: var(--color-accent);
  text-decoration: none;
  text-align: center;
  border-right: 1px solid rgba(45, 66, 96, 0.08);
  transition:
    background 0.15s,
    color 0.15s;
}

.quick-links__item:last-child {
  border-right: none;
}

.quick-links__item:hover,
.quick-links__item:focus-visible {
  background: var(--color-cream);
  color: var(--color-navy-900);
  outline: none;
}

.quick-links__icon {
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-accent);
}

.quick-links__icon svg {
  stroke-linecap: round;
  stroke-linejoin: round;
}

.quick-links__item:hover .quick-links__icon {
  color: var(--color-navy-800);
}

/* Showcase + imagery sections */
.showcase {
  display: grid;
  grid-template-columns: 1fr 1.05fr;
  gap: 2.5rem 3rem;
  align-items: start;
}

.showcase__media {
  border-radius: var(--radius-md);
  overflow: hidden;
  box-shadow: var(--shadow-soft);
  border: 1px solid rgba(45, 66, 96, 0.08);
}

.showcase__media img {
  width: 100%;
  height: auto;
  display: block;
  object-fit: cover;
}

.section__header--flush {
  margin-bottom: 1.5rem;
}

.cards--stack {
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

.cards--stack .card {
  box-shadow: none;
  border: 1px solid rgba(45, 66, 96, 0.08);
}

.photo-frame {
  margin: 0;
  border-radius: var(--radius-md);
  overflow: hidden;
  box-shadow: var(--shadow-soft);
  border: 1px solid rgba(45, 66, 96, 0.08);
}

.photo-frame img {
  width: 100%;
  height: auto;
  display: block;
  object-fit: cover;
}

.split--media {
  align-items: start;
}

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

.split__quote {
  background: var(--color-white);
  border: 1px solid rgba(45, 66, 96, 0.08);
  border-radius: var(--radius-md);
  padding: 1.25rem 1.5rem;
  box-shadow: var(--shadow-soft);
}

.pullquote--compact p {
  font-size: 1.3rem;
  margin-bottom: 0.65rem;
}

.section-banner {
  margin: 0 0 2.5rem;
  border-radius: var(--radius-md);
  overflow: hidden;
  border: 1px solid rgba(45, 66, 96, 0.08);
  box-shadow: var(--shadow-soft);
}

.section-banner img {
  width: 100%;
  height: auto;
  max-height: 320px;
  object-fit: cover;
  display: block;
}

.cta-band {
  position: relative;
  overflow: hidden;
  color: var(--color-white);
  padding: 4rem 0;
}

.cta-band:not(.cta-band--photo) {
  background: linear-gradient(
    135deg,
    var(--color-navy-900),
    var(--color-navy-800)
  );
}

.cta-band--photo .cta-band__bg {
  position: absolute;
  inset: 0;
}

.cta-band--photo .cta-band__bg img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 30%;
}

.cta-band__scrim {
  position: absolute;
  inset: 0;
  background: linear-gradient(
    120deg,
    rgba(36, 54, 82, 0.92) 0%,
    rgba(45, 66, 96, 0.78) 100%
  );
}

.cta-band--photo .cta-band__inner {
  position: relative;
  z-index: 1;
}

/* Sections */
.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 1.5rem;
}

.section {
  padding: clamp(2.35rem, 4vw, 3.15rem) 0;
}

.section--alt {
  background: var(--color-white);
}

.section__header {
  max-width: 640px;
  margin-bottom: 2.75rem;
}

.section__header h2 {
  margin: 0 0 0.75rem;
  font-family: var(--font-serif);
  font-size: clamp(1.95rem, 3.15vw, 2.5rem);
  font-weight: 600;
  color: var(--color-navy-900);
}

.section__intro {
  margin: 0;
  color: var(--color-slate-600);
  font-size: 1.125rem;
}

.section__header--inline {
  max-width: none;
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  gap: 1rem;
  flex-wrap: wrap;
}

.link-arrow {
  font-weight: 600;
  text-decoration: none;
  color: var(--color-navy-800);
}

.link-arrow:hover {
  color: var(--color-gold);
}

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

.card {
  background: var(--color-white);
  padding: 1.75rem;
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-soft);
  border: 1px solid rgba(45, 66, 96, 0.08);
}

.card h3 {
  margin: 0 0 0.75rem;
  font-size: 1.3rem;
  font-weight: 700;
}

.card p {
  margin: 0;
  color: var(--color-slate-600);
  font-size: 1.0625rem;
}

.split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  align-items: center;
}

.split__text h2 {
  margin: 0 0 1rem;
  font-family: var(--font-serif);
  font-size: clamp(1.95rem, 3.15vw, 2.5rem);
  font-weight: 600;
}

.split__text > p {
  margin: 0 0 1.25rem;
  color: var(--color-slate-600);
}

.checklist {
  margin: 0;
  padding-left: 1.25rem;
  color: var(--color-navy-800);
}

.checklist li {
  margin-bottom: 0.5rem;
}

.split__panel {
  background: linear-gradient(
    145deg,
    var(--color-navy-900),
    var(--color-navy-800)
  );
  border-radius: var(--radius-md);
  padding: 2.5rem;
  color: var(--color-white);
}

.pullquote {
  margin: 0;
}

.pullquote p {
  margin: 0 0 1rem;
  font-family: var(--font-serif);
  font-size: 1.625rem;
  font-style: italic;
  line-height: 1.45;
  color: rgba(255, 255, 255, 0.95);
}

.pullquote footer {
  font-size: 0.9375rem;
  color: var(--color-gold);
  font-style: normal;
}

.feature-row {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
}

.feature__icon {
  display: block;
  font-size: 0.8125rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  color: var(--color-gold);
  margin-bottom: 0.75rem;
}

.feature h3 {
  margin: 0 0 0.5rem;
  font-size: 1.2rem;
}

.feature p {
  margin: 0;
  color: var(--color-slate-600);
  font-size: 1.0625rem;
}

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

.insight {
  padding: 1.5rem 0;
  border-top: 1px solid rgba(45, 66, 96, 0.12);
}

.insight__meta {
  margin: 0 0 0.5rem;
  font-size: 0.8125rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--color-slate-400);
}

.insight h3 {
  margin: 0;
  font-size: 1.125rem;
  font-weight: 600;
  line-height: 1.4;
}

.insight h3 a {
  text-decoration: none;
  color: var(--color-navy-900);
}

.insight h3 a:hover {
  color: var(--color-gold);
}

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

.cta-band h2 {
  margin: 0 0 0.5rem;
  font-family: var(--font-serif);
  font-size: clamp(1.75rem, 3.15vw, 2.25rem);
  font-weight: 600;
}

.cta-band p {
  margin: 0;
  max-width: 48ch;
  color: rgba(255, 255, 255, 0.85);
}

/* Homepage — below hero */
main .section[id] {
  scroll-margin-top: calc(var(--fdic-h) + var(--header-h) + 0.75rem);
}

.home-svg-icon {
  display: block;
  flex-shrink: 0;
  stroke: currentColor;
  fill: none;
  stroke-width: 1.5;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.home-icon {
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-navy-900);
}

.home-icon--round {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  background: rgba(42, 111, 168, 0.08);
  border: 1px solid rgba(42, 111, 168, 0.14);
  margin-bottom: 1rem;
}

.home-icon--tile {
  width: 48px;
  height: 48px;
  border-radius: 10px;
  background: rgba(42, 111, 168, 0.07);
  border: 1px solid rgba(45, 66, 96, 0.1);
  margin-bottom: 0.95rem;
}

.home-icon--light {
  background: rgba(255, 255, 255, 0.1);
  border-color: rgba(255, 255, 255, 0.22);
  color: rgba(255, 255, 255, 0.96);
}

.home-value,
.home-solutions,
.home-insights {
  background: var(--color-white);
}

.home-value__inner {
  max-width: 960px;
  margin: 0 auto;
  text-align: center;
}

.home-value__header {
  max-width: 44rem;
  margin: 0 auto;
}

.home-value__header h2 {
  margin: 0 0 0.65rem;
  font-family: var(--font-sans);
  font-size: clamp(1.8rem, 3.05vw, 2.5rem);
  font-weight: 700;
  letter-spacing: -0.02em;
  color: var(--color-navy-950);
  line-height: 1.18;
}

.home-value__lede {
  margin: 0 auto;
  max-width: 40rem;
  font-size: 1.125rem;
  color: var(--color-slate-600);
  line-height: 1.62;
}

.home-value__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.75rem 1.75rem;
  margin-top: 2rem;
  padding-top: 0.25rem;
  text-align: left;
  align-items: start;
}

.home-value__pillar h3 {
  margin: 0 0 0.5rem;
  font-size: 1.125rem;
  font-weight: 700;
  color: var(--color-navy-950);
  line-height: 1.32;
}

.home-value__pillar p {
  margin: 0;
  font-size: 1.0625rem;
  color: var(--color-slate-600);
  line-height: 1.58;
}

.home-approach {
  background: #f4f5f7;
}

.home-approach__header {
  text-align: center;
  max-width: 40rem;
  margin: 0 auto 1.65rem;
}

.home-approach__header h2 {
  font-family: var(--font-sans);
  font-size: clamp(1.65rem, 2.65vw, 2.1rem);
  font-weight: 700;
  margin: 0 0 0.6rem;
  color: var(--color-navy-950);
  letter-spacing: -0.015em;
}

.home-approach__intro {
  margin: 0;
  color: var(--color-slate-600);
  font-size: 1.0625rem;
  line-height: 1.62;
}

.home-approach__split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2rem 2.25rem;
  align-items: center;
}

.home-approach__media {
  border-radius: var(--radius-sm);
  overflow: hidden;
  box-shadow: 0 12px 32px rgba(36, 54, 82, 0.1);
  border: 1px solid rgba(45, 66, 96, 0.06);
}

.home-approach__media img {
  width: 100%;
  height: auto;
  display: block;
  object-fit: cover;
  aspect-ratio: 4 / 3;
}

.home-approach__copy {
  max-width: 36rem;
  justify-self: start;
}

.home-approach__lead {
  margin: 0 0 0.85rem;
  font-weight: 600;
  color: var(--color-navy-900);
  font-size: 1.0625rem;
  line-height: 1.45;
}

.home-approach__list {
  margin: 0;
  padding: 0;
  list-style: none;
}

.home-approach__list li {
  position: relative;
  padding-left: 1.1rem;
  margin-bottom: 0.65rem;
  color: var(--color-slate-600);
  font-size: 1.0625rem;
  line-height: 1.52;
}

.home-approach__list li:last-child {
  margin-bottom: 0;
}

.home-approach__list li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.55em;
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--color-accent);
}

.home-solutions__header,
.home-capabilities__header,
.home-recognition__header,
.home-resources__header {
  text-align: center;
  max-width: 36rem;
  margin: 0 auto 1.65rem;
}

.home-capabilities__header,
.home-resources__header {
  max-width: 34rem;
}

.home-solutions__header h2,
.home-capabilities__header h2,
.home-recognition__header h2 {
  font-family: var(--font-sans);
  color: var(--color-navy-950);
  font-weight: 700;
  font-size: clamp(1.65rem, 2.65vw, 2.1rem);
  margin: 0 0 0.55rem;
  letter-spacing: -0.015em;
}

.home-solutions__intro,
.home-capabilities__intro,
.home-resources__intro {
  margin: 0;
  color: var(--color-slate-600);
  font-size: 1.0625rem;
  line-height: 1.62;
}

.home-solution-cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.25rem;
}

.solution-card {
  background: var(--color-white);
  border: 1px solid rgba(45, 66, 96, 0.09);
  border-radius: var(--radius-md);
  padding: 1.5rem 1.35rem;
  box-shadow: 0 2px 12px rgba(36, 54, 82, 0.05);
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  text-align: left;
}

.solution-card--elevated {
  box-shadow: 0 6px 20px rgba(36, 54, 82, 0.07);
}

.solution-card h3 {
  margin: 0 0 0.55rem;
  font-family: var(--font-sans);
  font-size: 1.125rem;
  font-weight: 700;
  color: var(--color-navy-900);
  line-height: 1.3;
  width: 100%;
}

.solution-card__rule {
  display: block;
  width: 36px;
  height: 3px;
  background: var(--color-accent);
  border-radius: 2px;
  margin-bottom: 0.85rem;
}

.solution-card p {
  margin: 0 0 1rem;
  text-align: left;
  color: var(--color-slate-600);
  font-size: 1.0625rem;
  line-height: 1.58;
  flex: 1;
}

.solution-card__cta {
  align-self: flex-start;
  font-weight: 600;
  font-size: 0.9375rem;
  color: var(--color-accent);
  text-decoration: none;
  margin-top: auto;
}

.solution-card__cta:hover {
  color: var(--color-navy-900);
  text-decoration: underline;
  text-underline-offset: 3px;
}

.home-capabilities {
  background: #f4f5f7;
}

.home-spotlight {
  background: linear-gradient(135deg, #354556 0%, #2d3846 100%);
  color: rgba(255, 255, 255, 0.92);
}

.home-spotlight__inner {
  display: grid;
  grid-template-columns: minmax(160px, 200px) 1fr;
  gap: 2rem 2.5rem;
  align-items: center;
}

.home-spotlight__brand {
  display: flex;
  align-items: center;
  justify-content: center;
}

.home-spotlight__logo {
  width: auto;
  max-width: 190px;
  height: auto;
  filter: brightness(0) invert(1);
  opacity: 0.95;
}

.home-spotlight__copy h2 {
  margin: 0 0 0.55rem;
  font-family: var(--font-sans);
  font-weight: 700;
  font-size: clamp(1.45rem, 2.35vw, 1.8rem);
  color: var(--color-white);
  letter-spacing: -0.015em;
}

.home-spotlight__copy p {
  margin: 0 0 1rem;
  color: rgba(255, 255, 255, 0.86);
  max-width: 48ch;
  line-height: 1.6;
  font-size: 1.0625rem;
}

.home-spotlight__cta {
  color: #c4b5fd;
  font-weight: 600;
  text-decoration: none;
}

.home-spotlight__cta:hover {
  color: #e9d5ff;
}

.home-recognition {
  background: #eef1f5;
}

.award-card {
  position: relative;
  max-width: 520px;
  margin: 0 auto;
  background: var(--color-white);
  border-radius: var(--radius-md);
  box-shadow: 0 6px 24px rgba(36, 54, 82, 0.08);
  border: 1px solid rgba(45, 66, 96, 0.06);
  overflow: hidden;
}

.award-card__pattern {
  position: absolute;
  inset: 0;
  opacity: 0.45;
  background: repeating-linear-gradient(
    90deg,
    transparent,
    transparent 7px,
    rgba(45, 66, 96, 0.06) 7px,
    rgba(45, 66, 96, 0.06) 8px
  );
  pointer-events: none;
}

.award-card__body {
  position: relative;
  padding: 2rem 1.75rem 1.15rem;
  text-align: center;
}

.award-card__icon {
  color: var(--color-accent);
  margin: 0 auto 0.75rem;
  display: flex;
  align-items: center;
  justify-content: center;
  width: 52px;
  height: 52px;
  border-radius: 50%;
  background: rgba(42, 111, 168, 0.09);
  border: 1px solid rgba(42, 111, 168, 0.14);
}

.award-card__title {
  font-weight: 700;
  font-size: 1.1875rem;
  margin: 0 0 0.55rem;
  color: var(--color-navy-900);
  line-height: 1.35;
}

.award-card__rule {
  display: block;
  width: 36px;
  height: 3px;
  background: var(--color-accent);
  margin: 0 auto 0.75rem;
  border-radius: 2px;
}

.award-card__source {
  font-style: italic;
  color: var(--color-slate-600);
  font-size: 0.9375rem;
  margin: 0 0 0.25rem;
}

.award-card__year {
  margin: 0;
  color: var(--color-navy-800);
  font-size: 0.9375rem;
}

.award-carousel__nav {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.85rem;
  padding: 0 1.25rem 1.35rem;
  position: relative;
  z-index: 1;
}

.award-carousel__arrow {
  border: none;
  background: transparent;
  font-size: 1.65rem;
  color: var(--color-slate-600);
  cursor: pointer;
  padding: 0.25rem 0.5rem;
  line-height: 1;
  font-family: inherit;
}

.award-carousel__arrow:hover {
  color: var(--color-navy-900);
}

.award-carousel__dots {
  display: flex;
  gap: 0.4rem;
  flex-wrap: wrap;
  justify-content: center;
  max-width: 12rem;
}

.award-carousel__dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: #c5cdd8;
  flex-shrink: 0;
  border: none;
  padding: 0;
  cursor: pointer;
  appearance: none;
}

.award-carousel__dot.is-active {
  background: var(--color-accent);
}

.award-carousel__dot:focus-visible {
  outline: 2px solid var(--color-accent);
  outline-offset: 3px;
}

.home-insights__header {
  text-align: center;
  margin-bottom: 1.65rem;
  max-width: 36rem;
  margin-left: auto;
  margin-right: auto;
}

.home-insights__header h2 {
  font-family: var(--font-sans);
  font-weight: 700;
  font-size: clamp(1.65rem, 2.65vw, 2.1rem);
  margin: 0 0 0.5rem;
  color: var(--color-navy-950);
  letter-spacing: -0.015em;
}

.home-insights__sub {
  margin: 0;
  color: var(--color-slate-600);
  font-size: 1.0625rem;
  line-height: 1.55;
}

.home-insight-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.25rem;
  align-items: stretch;
}

.home-insight-tile {
  margin: 0;
  height: 100%;
}

.home-insight-tile__link {
  display: flex;
  flex-direction: column;
  text-decoration: none;
  color: inherit;
  height: 100%;
  background: var(--color-white);
  border: 1px solid rgba(45, 66, 96, 0.08);
  border-radius: var(--radius-md);
  overflow: hidden;
  box-shadow: var(--shadow-soft);
  transition:
    box-shadow 0.2s,
    transform 0.2s;
}

.home-insight-tile__link:hover {
  box-shadow: 0 12px 36px rgba(36, 54, 82, 0.12);
  transform: translateY(-2px);
}

.home-insight-tile__media {
  aspect-ratio: 16 / 10;
  overflow: hidden;
}

.home-insight-tile__media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.home-insight-tile__body {
  padding: 1rem 1.15rem 1.2rem;
  display: flex;
  flex-direction: column;
  flex: 1;
}

.home-insight-tile__cat {
  margin: 0 0 0.35rem;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--color-slate-400);
}

.home-insight-tile__title {
  margin: 0 0 0.5rem;
  font-size: 1.0625rem;
  font-weight: 700;
  color: var(--color-accent);
  line-height: 1.32;
}

.home-insight-tile__excerpt {
  margin: 0 0 0.5rem;
  font-size: 1rem;
  color: var(--color-navy-900);
  line-height: 1.52;
  flex: 1;
}

.home-insight-tile__meta {
  margin: 0;
  font-size: 0.8125rem;
  color: var(--color-slate-400);
}

.home-insights__more-wrap {
  margin: 1.35rem 0 0;
  text-align: center;
}

.home-insights__more {
  font-weight: 600;
  font-size: 1rem;
  color: var(--color-accent);
  text-decoration: underline;
  text-underline-offset: 3px;
}

.home-insights__more:hover {
  color: var(--color-navy-900);
}

.home-resources {
  background: #f4f5f7;
}

.home-resources__header h2 {
  font-family: var(--font-sans);
  font-weight: 700;
  font-size: clamp(1.45rem, 2.35vw, 1.8rem);
  margin: 0 0 0.5rem;
  color: var(--color-navy-950);
  letter-spacing: -0.015em;
}

.home-resources__list {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 0.65rem 2rem;
}

.home-resources__list a {
  font-weight: 600;
  font-size: 1.0625rem;
  color: var(--color-accent);
  text-decoration: none;
}

.home-resources__list a:hover {
  text-decoration: underline;
}

.home-get-started {
  background: linear-gradient(180deg, #1e3a5f 0%, #243652 100%);
  color: rgba(255, 255, 255, 0.92);
}

.home-get-started__header {
  text-align: center;
  margin-bottom: 1.85rem;
  max-width: 32rem;
  margin-left: auto;
  margin-right: auto;
}

.home-get-started__header h2 {
  margin: 0 0 0.4rem;
  font-family: var(--font-sans);
  font-weight: 700;
  font-size: clamp(1.65rem, 2.65vw, 2.1rem);
  color: var(--color-white);
  letter-spacing: -0.015em;
}

.home-get-started__sub {
  margin: 0;
  color: rgba(255, 255, 255, 0.88);
  font-size: 1.0625rem;
  line-height: 1.5;
}

.home-get-started__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2rem 2.5rem;
  max-width: 820px;
  margin: 0 auto;
}

.home-get-started__col {
  text-align: center;
}

.home-get-started__icon {
  margin: 0 auto 0.85rem;
}

.home-get-started__col h3 {
  margin: 0 0 0.5rem;
  font-size: 1.125rem;
  font-weight: 700;
  color: var(--color-white);
}

.home-get-started__col p {
  margin: 0 auto 0.85rem;
  color: rgba(255, 255, 255, 0.82);
  font-size: 1.0625rem;
  line-height: 1.58;
  max-width: 28ch;
}

.home-get-started__cta {
  color: var(--color-white);
  font-weight: 600;
  font-size: 1rem;
  text-decoration: none;
}

.home-get-started__cta:hover {
  text-decoration: underline;
  color: var(--color-gold);
}

.scroll-top {
  position: fixed;
  right: 1.25rem;
  bottom: 1.25rem;
  z-index: 150;
  width: 48px;
  height: 48px;
  border-radius: 50%;
  border: none;
  background: var(--color-gold);
  color: var(--color-white);
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 4px 16px rgba(0, 0, 0, 0.2);
  opacity: 0;
  visibility: hidden;
  transform: translateY(8px);
  transition:
    opacity 0.2s,
    visibility 0.2s,
    transform 0.2s;
}

.scroll-top.is-visible {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.scroll-top:hover {
  filter: brightness(1.05);
}

.scroll-top:focus-visible {
  outline: 2px solid var(--color-white);
  outline-offset: 3px;
}

/* Legal disclosures + footer */
.legal-disclosures {
  background: var(--color-page);
  border-top: 1px solid rgba(45, 66, 96, 0.1);
  border-bottom: 1px solid rgba(45, 66, 96, 0.1);
  padding: 1.25rem 0 1.5rem;
}

.legal-disclosures__title {
  position: absolute;
  width: 1px;
  height: 1px;
  margin: -1px;
  padding: 0;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  border: 0;
}

.disclosure-accordion {
  background: var(--color-white);
  border-radius: var(--radius-sm);
  overflow: hidden;
}

.disclosure-accordion__toggle {
  width: 100%;
  border: none;
  background: var(--color-page);
  color: var(--color-navy-950);
  display: flex;
  align-items: center;
  gap: 0.7rem;
  padding: 0.9rem 1rem;
  text-align: left;
  cursor: pointer;
  font: inherit;
}

.disclosure-accordion__toggle:focus-visible {
  outline: 2px solid rgba(42, 111, 168, 0.6);
  outline-offset: -2px;
}

.disclosure-accordion__icon {
  position: relative;
  width: 20px;
  height: 20px;
  border: 1.75px solid var(--color-accent);
  color: var(--color-accent);
  border-radius: 50%;
  display: inline-block;
  flex-shrink: 0;
}

.disclosure-accordion__icon::before,
.disclosure-accordion__icon::after {
  content: "";
  position: absolute;
  left: 50%;
  top: 50%;
  width: 9px;
  height: 1.8px;
  border-radius: 1px;
  background: currentColor;
  transform: translate(-50%, -50%);
}

.disclosure-accordion__icon::after {
  width: 1.8px;
  height: 9px;
}

.disclosure-accordion__toggle[aria-expanded="true"]
  .disclosure-accordion__icon {
  color: var(--color-navy-900);
  border-color: var(--color-navy-900);
}

.disclosure-accordion__toggle[aria-expanded="true"]
  .disclosure-accordion__icon::after {
  opacity: 0;
}

.disclosure-accordion__label {
  font-size: 1rem;
  font-weight: 700;
  letter-spacing: 0.01em;
}

.disclosure-accordion__panel {
  border-top: 1px solid rgba(45, 66, 96, 0.14);
  padding: 1rem 1rem 1.1rem;
  color: var(--color-navy-900);
  background: #fbfcfe;
}

.disclosure-accordion__panel h3 {
  margin: 0 0 0.65rem;
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--color-navy-900);
}

.disclosure-accordion__panel p {
  margin: 0 0 0.65rem;
  font-size: 0.84rem;
  line-height: 1.52;
  color: var(--color-slate-600);
}

.disclosure-accordion__panel sup {
  font-size: 0.72em;
  font-weight: 700;
  color: var(--color-navy-900);
}

.disclosure-accordion__panel p:last-child {
  margin-bottom: 0;
}

.site-footer {
  background: #1f2f46;
  color: rgba(255, 255, 255, 0.82);
}

.site-footer__top {
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

.site-footer__top-inner {
  display: flex;
  justify-content: space-between;
  gap: 1.5rem 2rem;
  padding: 2rem 1.5rem 1.75rem;
}

.site-footer__identity {
  max-width: 760px;
}

.site-footer__logo {
  max-height: 48px;
  width: auto;
  object-fit: contain;
}

.site-footer__tagline {
  margin: 0.75rem 0 0.85rem;
  max-width: 60ch;
  color: rgba(255, 255, 255, 0.84);
  font-size: 0.9375rem;
}

.site-footer__contact-list {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  gap: 0.3rem;
  color: rgba(255, 255, 255, 0.76);
  font-size: 0.875rem;
}

.site-footer__contact-list a {
  color: rgba(255, 255, 255, 0.86);
  text-decoration: none;
}

.site-footer__contact-list a:hover {
  color: var(--color-white);
  text-decoration: underline;
}

.site-footer__social {
  display: inline-flex;
  align-items: flex-start;
  gap: 0.85rem;
  flex-wrap: wrap;
}

.site-footer__social a {
  color: rgba(255, 255, 255, 0.82);
  font-size: 0.8125rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  text-decoration: none;
}

.site-footer__social a:hover {
  color: var(--color-white);
}

.site-footer__links {
  padding-top: 1.9rem;
  padding-bottom: 1.5rem;
}

.footer-nav {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 1.5rem;
}

.footer-nav__title {
  margin: 0 0 0.75rem;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: #c8d4e4;
}

.footer-nav ul {
  list-style: none;
  margin: 0;
  padding: 0;
}

.footer-nav li {
  margin-bottom: 0.45rem;
}

.footer-nav a {
  color: rgba(255, 255, 255, 0.82);
  text-decoration: none;
  font-size: 0.875rem;
  line-height: 1.45;
}

.footer-nav a:hover {
  color: var(--color-white);
  text-decoration: underline;
}

.site-footer__regulatory {
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.site-footer__regulatory-inner {
  padding: 1.15rem 1.5rem;
}

.site-footer__regulatory p {
  margin: 0;
  font-size: 0.8125rem;
  line-height: 1.55;
  color: rgba(255, 255, 255, 0.64);
}

.site-footer__regulatory p + p {
  margin-top: 0.55rem;
}

.site-footer__bottom {
  background: #1a293d;
}

.site-footer__bottom-inner {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 0.35rem 1rem;
  padding: 0.85rem 1.5rem 1rem;
}

.site-footer__bottom-inner p {
  margin: 0;
  color: rgba(255, 255, 255, 0.66);
  font-size: 0.75rem;
}

/* Mobile */
@media (max-width: 900px) {
  .cards,
  .feature-row,
  .insight-grid {
    grid-template-columns: 1fr;
  }

  .split {
    grid-template-columns: 1fr;
  }

  .showcase {
    grid-template-columns: 1fr;
  }

  .home-value__grid,
  .home-solution-cards,
  .home-insight-grid,
  .home-get-started__grid,
  .home-approach__split,
  .home-spotlight__inner {
    grid-template-columns: 1fr;
  }

  .home-spotlight__inner {
    text-align: center;
  }

  .home-spotlight__brand {
    justify-self: center;
  }

  .site-footer__top-inner {
    flex-direction: column;
    align-items: flex-start;
    padding: 1.6rem 1.5rem 1.4rem;
  }

  .site-footer__social {
    gap: 0.65rem 0.9rem;
  }

  .footer-nav {
    grid-template-columns: 1fr 1fr;
  }
}

@media (max-width: 1024px) and (min-width: 769px) {
  .mega-panel__layout {
    grid-template-columns: minmax(0, 1fr) minmax(220px, 252px);
    gap: 1.25rem 1.25rem;
  }
}

@media (max-width: 900px) and (min-width: 769px) {
  .mega-panel__grid,
  .mega-panel__grid--support {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 520px) {
  :root {
    --fdic-h: 68px;
  }
}

@media (max-width: 768px) {
  :root {
    --header-h: 64px;
  }

  .site-header__cta--desktop {
    display: none;
  }

  .nav-toggle {
    display: flex;
  }

  .site-nav {
    position: fixed;
    inset: calc(var(--fdic-h) + var(--header-h) + 2px) 0 0 0;
    grid-column: auto;
    grid-row: auto;
    justify-self: stretch;
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    padding: 1rem 1.25rem 1.5rem;
    background: var(--color-white);
    border-top: 1px solid rgba(45, 66, 96, 0.1);
    transform: translateX(100%);
    transition: transform 0.25s ease;
    overflow-y: auto;
  }

  .site-nav.is-open {
    transform: translateX(0);
  }

  .site-nav__list {
    flex-direction: column;
    align-items: stretch;
    gap: 0;
  }

  .site-nav__item {
    flex-direction: column;
    align-items: stretch;
    width: 100%;
    border-bottom: 1px solid rgba(45, 66, 96, 0.08);
  }

  .site-nav__trigger {
    width: 100%;
    justify-content: space-between;
    padding: 1rem 0;
    white-space: normal;
    text-align: left;
    border-bottom-width: 0;
  }

  .site-nav__item.is-open .site-nav__trigger {
    border-bottom-color: transparent;
  }

  .mega-panel,
  .site-nav__panel {
    position: static;
    top: auto;
    left: auto;
    min-width: 0;
    max-width: none;
    width: 100%;
    margin: 0 0 0.35rem;
    padding: 0;
    background: var(--color-cream);
    border: 1px solid rgba(45, 66, 96, 0.08);
    border-radius: var(--radius-sm);
    box-shadow: none;
    border-top: none;
    border-bottom: none;
  }

  .mega-panel__inner {
    padding: 0 0.75rem 0.75rem;
  }

  .mega-panel__layout {
    display: flex;
    flex-direction: column;
    gap: 1rem;
    padding: 0.5rem 0 0;
  }

  .mega-panel__main {
    order: 1;
  }

  .mega-panel__aside {
    order: 2;
    max-width: 100%;
  }

  .mega-panel__grid,
  .mega-panel__grid--support {
    display: flex;
    flex-direction: column;
    gap: 0;
    padding: 0;
  }

  .mega-col {
    padding-left: 0 !important;
    border-left: none !important;
    padding-top: 0.75rem;
    border-top: 1px solid rgba(45, 66, 96, 0.1);
  }

  .mega-col:first-child {
    border-top: none;
    padding-top: 0;
  }

  .mega-col__title {
    margin: 0 0 0.5rem;
    padding: 0;
    font-size: 0.8125rem;
    border-bottom: none;
    background: transparent;
  }

  .mega-col__links a {
    padding: 0.4rem 0;
  }

  .mega-help a {
    padding: 0.4rem 0;
  }

  .mega-promo {
    min-height: 0;
    margin-top: 0.5rem;
  }

  .mega-promo__media {
    aspect-ratio: 16 / 9;
  }

  .site-nav__actions--mobile {
    display: flex;
    flex-direction: column;
    align-items: stretch;
    gap: 0.75rem;
    padding-top: 1.25rem;
    margin-top: 0.5rem;
    border-top: 1px solid rgba(45, 66, 96, 0.1);
  }

  .site-nav__actions--mobile .btn {
    width: 100%;
  }

  .quick-links {
    margin-top: -0.75rem;
    padding-bottom: 1.15rem;
  }

  .quick-links__inner {
    flex-direction: column;
    border-radius: var(--radius-md);
  }

  .quick-links__item {
    flex-direction: row;
    justify-content: flex-start;
    gap: 0.85rem;
    padding: 0.85rem 1rem;
    border-right: none;
    border-bottom: 1px solid rgba(45, 66, 96, 0.08);
    text-align: left;
  }

  .quick-links__item:last-child {
    border-bottom: none;
  }

  .hero--immersive {
    min-height: 72vh;
    padding: 2.5rem 0 3rem;
  }

  .hero__card {
    margin: 0 1rem;
    padding: 1.5rem 1.35rem;
  }

  .legal-disclosures {
    padding: 1.8rem 0 2rem;
  }

  .legal-disclosures__header h2 {
    margin-bottom: 0.9rem;
  }

  .footer-nav {
    grid-template-columns: 1fr;
    gap: 1.1rem;
  }

  .site-footer__links {
    padding-top: 1.4rem;
    padding-bottom: 1.2rem;
  }

  .site-footer__regulatory-inner {
    padding: 1rem 1.5rem;
  }

  .site-footer__bottom-inner {
    flex-direction: column;
    align-items: flex-start;
    gap: 0.2rem;
  }
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }

  .site-nav {
    transition: none;
  }

  .home-insight-tile__link {
    transition: none;
  }

  .home-insight-tile__link:hover {
    transform: none;
  }
}