/* ============================================================
   Beverly Credit Union — demo design system
   Tokens anchored to logo hexes: #00577F / #74CBC8 / #447090
   ============================================================ */
:root{
  --brand-deep:#00577F;   /* logo deep blue — primary buttons, links */
  --brand-navy:#1F4858;   /* headings, footer */
  --brand-slate:#447090;  /* logo slate — secondary UI */
  --brand-aqua:#74CBC8;   /* logo aqua — fills/accents only, navy text on top */
  --hero-teal:#5A8A95;    /* page hero bands */
  --gray-50:#F7F9FA; --gray-100:#F0F3F5; --gray-300:#CBD5DC;
  --gray-500:#67707A; --gray-700:#3D4A57;
  --alert:#B3261E; --alert-bg:#FBEDEC;
  --ok:#1E6B4F;
  --radius-card:12px; --radius-btn:8px;
  --shadow:0 1px 3px rgba(31,72,88,.14),0 4px 14px rgba(31,72,88,.08);
  --maxw:1200px;
  --font-body:'Inter',system-ui,-apple-system,'Segoe UI',sans-serif;
  --font-display:'Source Serif 4',Georgia,'Times New Roman',serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *,*::before,*::after{animation:none!important;transition:none!important}
}
body{margin:0;font-family:var(--font-body);color:var(--gray-700);background:#fff;line-height:1.6;font-size:1rem}
h1,h2,h3{font-family:var(--font-display);color:var(--brand-navy);line-height:1.2;margin:0 0 .5em}
h1{font-size:clamp(1.75rem,5vw,2.6rem)}
h2{font-size:clamp(1.4rem,4vw,1.9rem)}
h3{font-size:1.15rem;font-family:var(--font-body);font-weight:600}
p{margin:0 0 1em}
a{color:var(--brand-deep)}
img{max-width:100%;height:auto}
:focus-visible{outline:3px solid var(--brand-deep);outline-offset:2px;border-radius:2px}
.skip-link{position:absolute;left:-9999px;top:0;background:var(--brand-navy);color:#fff;padding:.75rem 1.25rem;z-index:200;border-radius:0 0 8px 0}
.skip-link:focus{left:0}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 1rem}
.visually-hidden{position:absolute!important;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}

/* ---------- Buttons ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;font:600 1rem var(--font-body);
  padding:.75rem 1.4rem;border-radius:var(--radius-btn);border:2px solid transparent;cursor:pointer;
  text-decoration:none;min-height:44px;transition:background .15s,color .15s}
.btn-primary{background:var(--brand-deep);color:#fff}
.btn-primary:hover{background:#004666}
.btn-join{background:var(--brand-aqua);color:var(--brand-navy)}
.btn-join:hover{background:#5FBDB9}
.btn-ghost{background:transparent;color:var(--brand-deep);border-color:var(--brand-deep)}
.btn-ghost:hover{background:var(--gray-100)}
/* light variants for dark/teal backgrounds */
.on-dark .btn-ghost{color:#fff;border-color:#fff}
.on-dark .btn-ghost:hover{background:rgba(255,255,255,.15)}
.on-dark .btn-primary{background:#fff;color:var(--brand-navy)}
.on-dark .btn-primary:hover{background:var(--gray-100)}

/* ---------- Header (white, per verified brand) ---------- */
.site-header{background:#fff;border-bottom:1px solid var(--gray-300);position:sticky;top:0;z-index:50}
.header-inner{display:flex;align-items:center;gap:1rem;min-height:64px;max-width:var(--maxw);margin:0 auto;padding:.4rem 1rem}
.logo-link{display:flex;align-items:center}
.logo-link img{height:44px;width:auto}
.main-nav{display:none}
.header-actions{margin-left:auto;display:flex;gap:.5rem;align-items:center}
@media(max-width:599px){.header-actions .btn-join{display:none}}
.nav-toggle{margin-left:auto;background:none;border:2px solid var(--brand-deep);border-radius:var(--radius-btn);
  color:var(--brand-deep);padding:.45rem .7rem;font:600 .95rem var(--font-body);cursor:pointer;min-height:44px}
@media(min-width:900px){
  .nav-toggle{display:none}
  .main-nav{display:flex;gap:.25rem}
  .main-nav a{color:var(--brand-navy);text-decoration:none;font-weight:600;padding:.6rem .8rem;border-radius:6px}
  .main-nav a:hover,.main-nav a[aria-current="page"]{background:var(--gray-100);color:var(--brand-deep)}
}

/* ---------- Nav drawer (mobile) ---------- */
.drawer-backdrop{position:fixed;inset:0;background:rgba(31,72,88,.5);z-index:90;opacity:0;pointer-events:none;transition:opacity .2s}
.drawer-backdrop.open{opacity:1;pointer-events:auto}
.nav-drawer{position:fixed;top:0;left:0;bottom:0;width:min(320px,85vw);background:#fff;z-index:100;
  transform:translateX(-102%);transition:transform .25s;box-shadow:var(--shadow);display:flex;flex-direction:column}
.nav-drawer.open{transform:none}
.nav-drawer .drawer-head{display:flex;align-items:center;justify-content:space-between;padding:1rem;border-bottom:1px solid var(--gray-300)}
.nav-drawer nav{padding:.5rem;overflow-y:auto}
.nav-drawer nav a{display:block;padding:.85rem 1rem;color:var(--brand-navy);text-decoration:none;font-weight:600;border-radius:8px}
.nav-drawer nav a:hover{background:var(--gray-100)}
.drawer-close{background:none;border:0;font-size:1.5rem;line-height:1;color:var(--brand-navy);cursor:pointer;padding:.5rem;min-height:44px;min-width:44px}

/* ---------- Alert bar ---------- */
.alert-bar{background:var(--brand-navy);color:#fff;font-size:.95rem}
.alert-bar .wrap{display:flex;gap:.75rem;align-items:baseline;padding:.6rem 1rem}
.alert-bar strong{color:var(--brand-aqua)}
.alert-bar time{opacity:.8;font-size:.85rem;margin-left:auto;white-space:nowrap}

/* ---------- Hero ---------- */
.hero{background:linear-gradient(120deg,#3F6C7A,var(--brand-navy));color:#fff;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;right:-120px;top:-120px;width:420px;height:420px;border-radius:50%;
  border:56px solid rgba(255,255,255,.10)}/* swirl echo of the logo mark */
.hero .wrap{position:relative;padding:3.5rem 1rem;max-width:var(--maxw)}
.hero h1{color:#fff;max-width:22ch}
.hero p{max-width:52ch;font-size:1.1rem;color:#fff}
.hero .cta-row{display:flex;gap:.75rem;flex-wrap:wrap;margin-top:1.25rem}

/* ---------- Sections / cards ---------- */
section{padding:2.75rem 0}
.section-alt{background:var(--gray-50)}
.eyebrow{font:700 .78rem var(--font-body);letter-spacing:.08em;text-transform:uppercase;color:var(--brand-slate);margin-bottom:.35rem}
.card-grid{display:grid;gap:1rem;grid-template-columns:1fr}
@media(min-width:640px){.card-grid{grid-template-columns:repeat(2,1fr)}}
@media(min-width:960px){.card-grid.cols-3{grid-template-columns:repeat(3,1fr)}.card-grid.cols-4{grid-template-columns:repeat(4,1fr)}}
.card{background:#fff;border:1px solid var(--gray-300);border-radius:var(--radius-card);padding:1.25rem;box-shadow:var(--shadow)}
.card h3{margin-top:0}
.card .card-cta{font-weight:600;text-decoration:none}
.chip-row{display:flex;gap:.5rem;flex-wrap:wrap}
.chip{display:inline-flex;align-items:center;background:#fff;border:2px solid var(--brand-deep);color:var(--brand-deep);
  border-radius:999px;padding:.55rem 1.1rem;font-weight:600;text-decoration:none;min-height:44px;cursor:pointer;font-size:.95rem}
.chip:hover,.chip[aria-pressed="true"]{background:var(--brand-deep);color:#fff}
.chip-aqua{border-color:var(--brand-slate);color:var(--brand-slate)}
.chip-aqua:hover,.chip-aqua[aria-pressed="true"]{background:var(--brand-slate);color:#fff}

/* ---------- Rates ---------- */
.rates-table{width:100%;border-collapse:collapse;font-variant-numeric:tabular-nums;background:#fff;border-radius:var(--radius-card);overflow:hidden;box-shadow:var(--shadow)}
.rates-table caption{text-align:left;font:600 1.05rem var(--font-body);color:var(--brand-navy);padding:.9rem 1rem;background:var(--gray-100)}
.rates-table th,.rates-table td{padding:.75rem 1rem;text-align:left;border-top:1px solid var(--gray-300)}
.rates-table th[scope="col"]{background:var(--brand-navy);color:#fff;border-top:0;font-size:.9rem}
.rates-table td.rate{font-weight:700;color:var(--brand-deep);font-size:1.1rem}
.asof{font-size:.85rem;color:var(--gray-500)}
.disclaimer{font-size:.85rem;color:var(--gray-500);border-left:4px solid var(--brand-aqua);padding:.5rem .9rem;background:var(--gray-50);border-radius:0 8px 8px 0}

/* ---------- Community band ---------- */
.band-navy{background:var(--brand-navy);color:#EAF4F4}
.band-navy h2{color:#fff}
.band-navy .stat{font:700 2rem var(--font-display);color:var(--brand-aqua)}

/* ---------- Security module ---------- */
.security-module{border:2px solid var(--brand-deep);border-radius:var(--radius-card);padding:1.25rem;background:#fff}
.scam-alert{background:var(--alert-bg);border-left:4px solid var(--alert);padding:.75rem 1rem;border-radius:0 8px 8px 0;margin:.75rem 0}
.scam-alert strong{color:var(--alert)}

/* ---------- FAQ ---------- */
details.faq{background:#fff;border:1px solid var(--gray-300);border-radius:10px;margin-bottom:.6rem}
details.faq summary{font-weight:600;color:var(--brand-navy);padding:1rem;cursor:pointer;list-style-position:inside}
details.faq[open] summary{border-bottom:1px solid var(--gray-300)}
details.faq .faq-body{padding:1rem}

/* ---------- Calculator ---------- */
.calc{background:var(--gray-50);border:1px solid var(--gray-300);border-radius:var(--radius-card);padding:1.25rem}
.calc label{display:block;font-weight:600;color:var(--brand-navy);margin:.75rem 0 .25rem}
.calc input,.calc select{width:100%;padding:.7rem;border:1px solid var(--gray-300);border-radius:8px;font:1rem var(--font-body)}
.calc-output{margin-top:1rem;background:#fff;border-radius:10px;padding:1rem;border:2px solid var(--brand-aqua)}
.calc-output .num{font:700 1.8rem var(--font-display);color:var(--brand-deep)}

/* ---------- Steps ---------- */
.steps{counter-reset:step;list-style:none;padding:0;display:grid;gap:1rem}
@media(min-width:760px){.steps{grid-template-columns:repeat(3,1fr)}}
.steps li{counter-increment:step;background:#fff;border:1px solid var(--gray-300);border-radius:var(--radius-card);padding:1.25rem}
.steps li::before{content:counter(step);display:inline-flex;width:2rem;height:2rem;border-radius:50%;background:var(--brand-aqua);
  color:var(--brand-navy);font-weight:700;align-items:center;justify-content:center;margin-bottom:.5rem}

/* ---------- Footer ---------- */
.site-footer{background:var(--brand-navy);color:#D7E5E8;font-size:.95rem;padding:2.5rem 0 6.5rem}
.site-footer a{color:#fff}
.site-footer h3{color:var(--brand-aqua);font-family:var(--font-body);font-size:.95rem;text-transform:uppercase;letter-spacing:.06em}
.footer-grid{display:grid;gap:1.5rem;grid-template-columns:1fr}
@media(min-width:760px){.footer-grid{grid-template-columns:2fr 1fr 1fr 1fr}}
.footer-legal{border-top:1px solid rgba(255,255,255,.2);margin-top:1.75rem;padding-top:1.25rem;font-size:.82rem;color:#AFC6CC}
.badges{display:flex;gap:.75rem;align-items:center;margin:.75rem 0;font-weight:700;color:#fff}
.badge{border:1.5px solid #fff;border-radius:6px;padding:.3rem .6rem;font-size:.75rem;letter-spacing:.03em}

/* ---------- Sticky action bar (mobile) ---------- */
.action-bar{position:fixed;left:0;right:0;bottom:0;background:#fff;border-top:1px solid var(--gray-300);
  display:flex;z-index:60;box-shadow:0 -2px 10px rgba(31,72,88,.12);padding-bottom:env(safe-area-inset-bottom)}
.action-bar a{flex:1;text-align:center;padding:.6rem .25rem;color:var(--brand-navy);text-decoration:none;font:600 .78rem var(--font-body);min-height:44px}
.action-bar a span{display:block;font-size:1.15rem;color:var(--brand-deep)}
@media(min-width:900px){.action-bar{display:none}.site-footer{padding-bottom:2.5rem}}

/* ---------- Assistant drawer ---------- */
.assist-fab{position:fixed;right:1rem;bottom:5.25rem;z-index:70;background:var(--brand-deep);color:#fff;border:0;
  border-radius:999px;padding:.85rem 1.2rem;font:600 1rem var(--font-body);cursor:pointer;box-shadow:var(--shadow);min-height:48px}
.assist-fab:hover{background:#004666}
@media(min-width:900px){.assist-fab{bottom:1.25rem}}
.assist-drawer{position:fixed;top:0;right:0;bottom:0;width:min(400px,92vw);background:#fff;z-index:110;
  transform:translateX(102%);transition:transform .25s;box-shadow:var(--shadow);display:flex;flex-direction:column}
.assist-drawer.open{transform:none}
.assist-head{background:var(--brand-navy);color:#fff;padding:1rem;display:flex;align-items:center;justify-content:space-between}
.assist-head h2{color:#fff;font-family:var(--font-body);font-size:1.1rem;margin:0}
.assist-head .drawer-close{color:#fff}
.assist-body{padding:1rem;overflow-y:auto;flex:1}
.assist-note{font-size:.82rem;color:var(--gray-500);padding:.75rem 1rem;border-top:1px solid var(--gray-300)}
.assist-route{display:block;width:100%;text-align:left;background:var(--gray-50);border:1px solid var(--gray-300);
  border-radius:10px;padding:.9rem 1rem;font:600 .98rem var(--font-body);color:var(--brand-navy);cursor:pointer;margin-bottom:.6rem}
.assist-route:hover{border-color:var(--brand-deep);background:#fff}
.assist-answer{background:#fff;border:2px solid var(--brand-aqua);border-radius:10px;padding:1rem;margin-top:.75rem}
.assist-answer h3{margin-top:0}
.assist-back{background:none;border:0;color:var(--brand-deep);font:600 .9rem var(--font-body);cursor:pointer;padding:.4rem 0;text-decoration:underline}

/* ---------- Video card ---------- */
.video-card{background:#fff;border:1px solid var(--gray-300);border-radius:var(--radius-card);overflow:hidden;box-shadow:var(--shadow)}
.video-ratio{position:relative;padding-bottom:56.25%;height:0;overflow:hidden;background:var(--brand-navy)}
.video-ratio iframe{position:absolute;top:0;left:0;width:100%;height:100%;border:0}
.video-caption{padding:1rem 1.25rem 1.25rem}
.video-caption h3{margin:.25rem 0 .5rem}
/* inline: video beside text (≥760px) */
@media(min-width:760px){
  .video-with-text{display:grid;grid-template-columns:1fr 1fr;gap:1.5rem;align-items:start}
}

/* ---------- Library dashboard ---------- */
.lib-toolbar{display:flex;gap:.5rem;flex-wrap:wrap;align-items:center;margin:1rem 0}
.lib-toolbar select{padding:.6rem;border-radius:8px;border:1px solid var(--gray-300);font:1rem var(--font-body);min-height:44px}
.lib-card{border-left:6px solid var(--brand-slate)}
.lib-card.high-compliance{border-left-color:var(--alert)}
.lib-meta{display:flex;gap:.4rem;flex-wrap:wrap;margin:.5rem 0}
.tag{background:var(--gray-100);border-radius:6px;padding:.15rem .55rem;font-size:.78rem;font-weight:600;color:var(--gray-700)}
.tag.pri{background:var(--brand-aqua);color:var(--brand-navy)}
.tag.comp{background:var(--alert-bg);color:var(--alert)}
.lib-why{font-size:.92rem;background:var(--gray-50);border-radius:8px;padding:.6rem .8rem;margin:.5rem 0}
.cal-grid{display:grid;gap:.75rem;grid-template-columns:1fr}
@media(min-width:640px){.cal-grid{grid-template-columns:repeat(3,1fr)}}
@media(min-width:960px){.cal-grid{grid-template-columns:repeat(4,1fr)}}
.cal-month{background:#fff;border:1px solid var(--gray-300);border-radius:10px;padding:.9rem}
.cal-month h3{margin:0 0 .5rem;color:var(--brand-deep)}
.cal-month ul{margin:0;padding-left:1.1rem;font-size:.88rem}
.hidden{display:none!important}