/* ==========================================================================
   VERCEIL BANK — INSTITUTIONAL DESIGN SYSTEM
   System Version: 10.0.0 (Retail-bank pattern: Open Sans, blue/navy palette,
   pill actions, navy promo banners, deep-navy stacked footer)
   ========================================================================== */

:root {
  color-scheme: light only;

  /* Brand palette */
  --vb-blue: #117ACA;
  --vb-blue-dark: #0E68AC;
  --vb-navy: #004B87;
  --vb-navy-deep: #002E52;

  /* The action green. It belongs to the two promotional calls to action —
     the investing bonus and the article — and to nothing else, which is what
     keeps it meaning "this one is worth a look" rather than becoming a second
     brand colour. */
  --vb-green: #1B853E;
  --vb-green-dark: #156D31;

  /* Ink & surfaces */
  --vb-ink: #141414;
  --vb-body: #3D4550;
  --vb-muted: #6B7480;
  --vb-line: #DDE1E6;
  --vb-tint: #EAF3FC;
  --vb-surface: #ffffff;
  --vb-canvas: #F2F3F4;

  /* Radii & elevation */
  --vb-radius: 6px;
  --vb-card-radius: 8px;
  --vb-shadow: 0 1px 3px rgba(20, 20, 20, 0.08), 0 6px 16px rgba(20, 20, 20, 0.06);

  /* Legacy aliases (kept so existing pages/components keep resolving) */
  --color-bg-primary: #ffffff;
  --color-surface-dark: var(--vb-navy-deep);

  --color-text-primary: var(--vb-ink);
  --color-text-secondary: var(--vb-body);
  --color-text-muted: var(--vb-muted);

  --color-border-subtle: var(--vb-line);
  --color-border-medium: #9AA4B0;

  --color-accent-blue: var(--vb-blue);
  --color-accent-blue-hover: var(--vb-blue-dark);
  --color-icon-gray: var(--vb-ink);

  --font-sans: "Open Sans", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  --container-max-width: 1280px;
}

*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html, body {
  width: 100%;
  max-width: 100vw;
  overflow-x: hidden;
  background-color: #ffffff !important;
  color: var(--vb-ink) !important;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  text-rendering: optimizeLegibility;
}

/* Prevent background page scrolling when mobile menu drawer is open */
body.menu-open {
  overflow: hidden !important;
  height: 100vh !important;
  position: fixed !important;
  width: 100% !important;
}

html {
  scroll-behavior: smooth;
  font-size: 16px;
}

body {
  font-family: var(--font-sans);
  line-height: 1.5;
}

.container {
  width: 100%;
  max-width: var(--container-max-width);
  margin: 0 auto;
  padding: 0 1.25rem;
}

a { text-decoration: none; color: inherit; }

/* --------------------------------------------------------------------------
   HEADER & NAVIGATION
   -------------------------------------------------------------------------- */
.main-header {
  background-color: #ffffff !important;
  border-bottom: 1px solid var(--color-border-subtle);
  position: sticky;
  top: 0;
  z-index: 150;
  padding: 0.75rem 0;
}

.nav-container {
  position: relative !important;
  display: flex !important;
  justify-content: space-between !important;
  align-items: center !important;
  min-height: 44px;
  padding: 0 1rem;
  background-color: #ffffff !important;
}

.mobile-menu-toggle {
  display: flex !important;
  flex-direction: column !important;
  justify-content: space-between !important;
  width: 24px !important;
  height: 18px !important;
  background: none !important;
  border: none !important;
  cursor: pointer !important;
  flex-shrink: 0 !important;
  padding: 0 !important;
  z-index: 20;
}
.mobile-menu-toggle span {
  display: block !important;
  width: 100% !important;
  height: 2.5px !important;
  background: var(--vb-ink) !important;
  border-radius: 2px !important;
}

/* Main Nav Header Logo Only */
.nav-container > .logo {
  position: absolute !important;
  left: 50% !important;
  top: 50% !important;
  transform: translate(-50%, -50%) !important;
  display: inline-flex !important;
  flex-direction: row !important;
  align-items: center !important;
  justify-content: center !important;
  gap: 0.35rem !important;
  font-weight: 800 !important;
  font-size: 1.25rem !important;
  letter-spacing: -0.03em !important;
  color: var(--color-text-primary) !important;
  text-transform: uppercase !important;
  white-space: nowrap !important;
  margin: 0 !important;
  z-index: 20 !important;
  background: transparent !important;
  padding: 0 !important;
}

.logo-text {
  display: inline-flex !important;
  align-items: center !important;
  gap: 0.1rem !important;
}

.logo-image {
  height: 21px !important;
  width: auto !important;
  object-fit: contain !important;
  display: inline-block !important;
  vertical-align: middle !important;
  flex-shrink: 0 !important;
}

.logo-main {
  color: var(--color-accent-blue) !important;
  font-weight: 900 !important;
}

.logo-white {
  color: #ffffff !important;
}

.nav-actions {
  display: flex !important;
  align-items: center !important;
  flex-shrink: 0 !important;
  z-index: 20;
}

.btn {
  font-family: var(--font-sans);
  font-size: 0.9375rem;
  font-weight: 700;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  transition: background-color 0.2s ease, color 0.2s ease, border-color 0.2s ease;
  border: none;
}

.btn-primary {
  background-color: var(--color-accent-blue);
  color: #ffffff;
}
.btn-primary:hover { background-color: var(--color-accent-blue-hover); }

.sign-in-btn {
  height: 38px !important;
  padding: 0 1.35rem !important;
  border: 1px solid var(--vb-blue) !important;
  border-radius: 999px !important;
  font-size: 0.875rem !important;
  font-weight: 700 !important;
}

.btn-pill {
  height: 52px;
  padding: 0 2.5rem;
  border-radius: 999px;
  font-size: 1rem;
  font-weight: 700;
  background: var(--vb-blue);
  border: 1px solid var(--vb-blue);
  color: #ffffff;
}
.btn-pill:hover { background: var(--vb-blue-dark); border-color: var(--vb-blue-dark); }

/* Backdrop Layer */
.menu-backdrop {
  display: block !important;
  position: fixed !important;
  top: 0 !important;
  left: 0 !important;
  width: 100vw !important;
  height: 100vh !important;
  background: rgba(0, 0, 0, 0.4) !important;
  z-index: 100 !important;
  opacity: 0 !important;
  pointer-events: none !important;
  transition: opacity 0.3s ease !important;
}
.menu-backdrop.active { opacity: 1 !important; pointer-events: auto !important; }

/* Side Drawer Navigation (Fluid, Unrestricted Scrolling) */
.nav-links {
  position: fixed !important;
  top: 0 !important;
  left: 0 !important;
  width: 85% !important;
  max-width: 360px !important;
  height: 100vh !important;
  height: 100dvh !important;
  background-color: #ffffff !important;
  background: #ffffff !important;
  color: var(--vb-ink) !important;
  opacity: 1 !important;
  z-index: 200 !important;
  display: flex !important;
  flex-direction: column !important;
  align-items: stretch !important;
  gap: 0 !important;
  transform: translateX(-100%) !important;
  transition: transform 0.3s cubic-bezier(0.4, 0, 0.2, 1) !important;
  box-shadow: 20px 0 50px rgba(0, 0, 0, 0.3) !important;
  overflow-y: scroll !important;
  -webkit-overflow-scrolling: touch;
  overscroll-behavior-y: contain !important;
}
.nav-links.active { transform: translateX(0) !important; }

.drawer-header {
  display: flex !important;
  justify-content: space-between !important;
  align-items: center !important;
  padding: 1.25rem 1rem 1.25rem 1.5rem !important;
  border-bottom: 1px solid var(--color-border-subtle) !important;
  background-color: #ffffff !important;
  flex-direction: row !important;
}
.drawer-logo {
  font-size: 1.05rem !important;
  margin: 0 !important;
  position: static !important;
  transform: none !important;
  display: inline-flex !important;
  align-items: center !important;
  gap: 0.3rem !important;
  background: transparent !important;
  padding: 0 !important;
  font-weight: 800 !important;
  letter-spacing: -0.03em !important;
  color: var(--color-text-primary) !important;
  text-transform: uppercase !important;
  white-space: nowrap !important;
}
.close-drawer {
  background: none !important;
  border: none !important;
  outline: none !important;
  box-shadow: none !important;
  padding: 0.2rem !important;
  cursor: pointer !important;
  display: flex !important;
  align-items: center !important;
  justify-content: center !important;
  color: var(--color-text-secondary) !important;
  margin-left: auto !important;
}
.close-drawer svg { width: 24px !important; height: 24px !important; }

.drawer-search {
  display: flex !important;
  align-items: center !important;
  margin: 1.25rem !important;
  padding: 0.75rem !important;
  border: 1px solid var(--color-border-medium) !important;
  border-radius: var(--vb-radius) !important;
  background-color: #ffffff !important;
}
.drawer-search .search-icon { width: 18px !important; height: 18px !important; color: var(--color-text-muted) !important; margin-right: 0.5rem !important; }
.drawer-search input { border: none !important; outline: none !important; width: 100% !important; font-size: 1rem !important; color: var(--vb-ink) !important; background: transparent !important; font-family: var(--font-sans) !important; }

.drawer-items {
  display: flex !important;
  flex-direction: column !important;
  padding: 0 1.25rem 5rem 1.25rem !important;
  background-color: #ffffff !important;
}

.nav-links .nav-link {
  display: flex !important;
  justify-content: space-between !important;
  align-items: center !important;
  padding: 1.15rem 0 !important;
  width: 100% !important;
  border-bottom: 1px solid var(--color-border-subtle) !important;
  font-size: 1rem !important;
  color: var(--vb-ink) !important;
  font-weight: 400 !important;
  background-color: #ffffff !important;
}

.nav-link-espanol {
  border-bottom: none !important;
  font-weight: 600 !important;
  color: var(--vb-blue) !important;
}

.drawer-bottom-action {
  margin-top: 1.5rem !important;
  padding-bottom: 2rem !important;
}

.chevron { display: block !important; width: 18px !important; height: 18px !important; color: var(--vb-ink) !important; }

.drawer-category {
  display: block !important;
  font-weight: 700 !important;
  font-size: 0.95rem !important;
  color: var(--vb-ink) !important;
  margin-top: 1.75rem !important;
  margin-bottom: 0.25rem !important;
  background-color: #ffffff !important;
}

/* --------------------------------------------------------------------------
   HERO (compact retail-bank band over the skyline photograph)
   -------------------------------------------------------------------------- */
.hero {
  position: relative;
  min-height: 430px;
  display: flex;
  align-items: center;
  background: url('https://images.unsplash.com/photo-1486406146926-c627a92ad1ab?q=80&w=2070&auto=format&fit=crop') center/cover no-repeat;
}
.hero-overlay {
  position: absolute; top: 0; left: 0; right: 0; bottom: 0;
  background: linear-gradient(180deg,
    rgba(0, 46, 82, 0.72) 0%,
    rgba(0, 75, 135, 0.50) 45%,
    rgba(0, 46, 82, 0.82) 100%);
  z-index: 1;
}
.hero-content-wrapper { position: relative; z-index: 2; }
.hero-content { max-width: 600px; text-align: left; }

/* Locked Hero Title Wrapper to prevent content shifting below */
.hero-title-wrapper {
  min-height: 145px;
  display: flex;
  align-items: flex-start;
  margin-bottom: 0.5rem;
}

.hero-title {
  font-size: 3rem;
  font-weight: 800;
  line-height: 1.05;
  color: #ffffff;
  margin-bottom: 0;
  letter-spacing: -0.035em;
  display: inline-block;
  transition: transform 0.45s cubic-bezier(0.16, 1, 0.3, 1),
              opacity 0.45s ease,
              filter 0.45s ease;
  opacity: 1;
  transform: translateY(0);
  filter: blur(0);
}

/* Exit State: Swipes Up & Blurs Out */
.hero-title.swap-out {
  opacity: 0;
  transform: translateY(-16px);
  filter: blur(6px);
}

/* Preparation State: Positions at the bottom out of view */
.hero-title.swap-prepare {
  opacity: 0;
  transform: translateY(16px);
  filter: blur(6px);
  transition: none !important;
}

.hero-description {
  font-size: 1.05rem;
  color: rgba(255, 255, 255, 0.94);
  margin-bottom: 2rem;
  line-height: 1.6;
  max-width: 32rem;
}

/* --------------------------------------------------------------------------
   TRUST STRIP (sits directly beneath the hero)
   -------------------------------------------------------------------------- */
.vb-trust {
  background: #ffffff;
  border-bottom: 1px solid var(--vb-line);
  padding: 0.85rem 1.25rem;
  text-align: center;
  font-size: 0.85rem;
  color: var(--vb-body);
}
.vb-trust strong { color: var(--vb-ink); font-weight: 700; }

/* --------------------------------------------------------------------------
   QUICK LINKS GRID
   -------------------------------------------------------------------------- */
.quick-links-section {
  padding: 2.5rem 0 2.75rem;
  background-color: var(--color-bg-primary);
  border-bottom: 1px solid var(--vb-line);
  width: 100%;
}

.quick-links-title {
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--color-text-primary);
  text-align: left;
  letter-spacing: -0.02em;
  max-width: 720px;
  margin: 0 auto 1.75rem;
  padding: 0 0.25rem;
}

/* Three across at every breakpoint: nine tiles land as a clean 3 x 3 block. */
.quick-links-grid {
  display: grid !important;
  grid-template-columns: repeat(3, 1fr) !important;
  gap: 1.9rem 0.75rem;
  max-width: 720px;
  margin: 0 auto;
  width: 100%;
}

.quick-link-item {
  display: flex !important;
  flex-direction: column !important;
  align-items: center !important;
  justify-content: flex-start !important;
  text-align: center;
  text-decoration: none;
  cursor: pointer;
  transition: transform 0.2s ease;
}

.quick-link-item:hover {
  transform: translateY(-3px);
}

.quick-link-icon {
  display: block !important;
  width: 32px !important;
  height: 32px !important;
  min-width: 32px !important;
  min-height: 32px !important;
  max-width: 32px !important;
  max-height: 32px !important;
  color: var(--vb-ink);
  margin-bottom: 0.6rem;
  stroke-width: 1.4px !important;
  flex-shrink: 0 !important;
}

.quick-link-text {
  font-size: 0.875rem;
  font-weight: 600;
  line-height: 1.3;
  color: var(--color-accent-blue);
}

.quick-link-item:hover .quick-link-text {
  color: var(--color-accent-blue-hover);
  text-decoration: underline;
}

/* --------------------------------------------------------------------------
   CONTINUOUS PROMO FLOW & STACKED CARDS
   -------------------------------------------------------------------------- */
.promo-section {
  padding: 1.25rem 0;
  background-color: var(--vb-canvas);
  border-top: none;
}
.promo-section + .promo-section { padding-top: 0; }
.promo-section:last-of-type { padding-bottom: 2rem; }

.promo-container {
  max-width: 640px !important;
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
}

.promo-card {
  background: var(--vb-surface);
  border: 1px solid var(--vb-line);
  border-radius: var(--vb-card-radius);
  box-shadow: var(--vb-shadow);
  overflow: hidden;
}

/* HELOC Promo Styling */
.promo-header-banner {
  background-color: var(--vb-navy);
  color: #ffffff;
  padding: 1.25rem 1.4rem;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 0.9rem;
}

.promo-header-text h2 {
  font-size: 1.25rem;
  font-weight: 400;
  line-height: 1.25;
}

.promo-header-text h3 {
  font-size: 1.25rem;
  font-weight: 800;
  line-height: 1.25;
}

.promo-header-icon {
  width: 36px;
  height: 36px;
  stroke-width: 1.2;
  color: #ffffff;
  flex-shrink: 0;
}

.promo-body-content {
  padding: 1.4rem;
}

.promo-headline {
  font-size: 1.2rem;
  font-weight: 700;
  letter-spacing: -0.015em;
  line-height: 1.32;
  color: var(--color-text-primary);
  margin-bottom: 0.75rem;
}

.promo-paragraph {
  font-size: 0.95rem;
  color: var(--color-text-secondary);
  line-height: 1.62;
  margin-bottom: 0.9rem;
}

.promo-cta-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background-color: var(--vb-blue);
  border: 1px solid var(--vb-blue);
  color: #ffffff;
  font-weight: 700;
  font-size: 0.94rem;
  padding: 0.75rem 1.9rem;
  border-radius: 999px;
  margin-top: 0.25rem;
  transition: background-color 0.2s ease, border-color 0.2s ease;
}

.promo-cta-btn:hover {
  background-color: var(--vb-blue-dark);
  border-color: var(--vb-blue-dark);
}

/* Investing $2,000 Bonus Promo Styling */
.investing-promo-card {
  border: 1px solid var(--vb-line);
  border-radius: var(--vb-card-radius);
  background: var(--vb-surface);
}

.investing-top-banner {
  background-color: var(--vb-navy);
  padding: 1.6rem 1.25rem 1.35rem;
  text-align: center;
  border-bottom: none;
}

.investing-top-label {
  display: block;
  font-size: 0.95rem;
  font-weight: 600;
  color: rgba(255, 255, 255, 0.9);
  margin-bottom: 0.1rem;
}

.investing-amount {
  font-size: 3rem;
  font-weight: 800;
  color: #ffffff;
  line-height: 1.05;
  letter-spacing: -0.04em;
}

.investing-bottom-label {
  display: block;
  font-size: 0.95rem;
  font-weight: 600;
  color: rgba(255, 255, 255, 0.9);
  margin-top: 0.1rem;
}

.investing-banner-stripe {
  height: 4px;
  background-color: var(--vb-blue);
  width: 100%;
}

/* Secondary promo action — same pill language as the primary CTA */
/* Same pill, same size, same spacing — only the colour changes. Green is what
   these two buttons were, and it reads as an offer rather than as another
   piece of navigation. */
.btn-success-custom {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background-color: var(--vb-green);
  border: 1px solid var(--vb-green);
  color: #ffffff;
  font-weight: 700;
  font-size: 0.94rem;
  padding: 0.75rem 1.9rem;
  border-radius: 999px;
  margin-top: 0.25rem;
  transition: background-color 0.2s ease, border-color 0.2s ease;
}

.btn-success-custom:hover {
  background-color: var(--vb-green-dark);
  border-color: var(--vb-green-dark);
}

/* --------------------------------------------------------------------------
   BLENDED BLOG CARD STYLING (COFFEE.JPEG)
   -------------------------------------------------------------------------- */
.blog-promo-card {
  border: 1px solid var(--vb-line);
  border-radius: var(--vb-card-radius);
  background: var(--vb-surface);
  box-shadow: var(--vb-shadow);
  overflow: hidden;
}

.blog-image-wrapper {
  width: 100%;
  max-height: 300px;
  overflow: hidden;
  border-bottom: 1px solid var(--vb-line);
  background-color: var(--vb-canvas);
}

.blog-featured-image {
  width: 100%;
  height: auto;
  display: block;
  object-fit: cover;
}

.blog-body-content {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
}

.blog-tag {
  display: inline-block;
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.09em;
  color: var(--vb-navy);
  background-color: var(--vb-tint);
  padding: 0.4rem 0.65rem;
  border-radius: 4px;
  margin-bottom: 0.9rem;
}

.blog-title {
  font-size: 1.35rem;
  font-weight: 700;
  line-height: 1.28;
  color: var(--color-text-primary);
  margin-bottom: 0.75rem;
  letter-spacing: -0.02em;
}

/* --------------------------------------------------------------------------
   FOOTER
   -------------------------------------------------------------------------- */
.main-footer { background: #0B1F33; color: #B4C2D0; padding: 2.75rem 0 2rem; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr; gap: 4rem; margin-bottom: 3rem;}
.footer-logo { display: flex; align-items: center; gap: 0.5rem; color: #fff; margin-bottom: 1rem; }
.footer-logo .logo-accent { color: #fff; }
.footer-links-column h4 { color: #fff; font-size: 0.9rem; text-transform: uppercase; margin-bottom: 1.25rem; }
.footer-links-column ul { list-style: none; }
.footer-links-column ul li { margin-bottom: 0.65rem; }
.footer-links-column a:hover { color: #fff; }
.footer-legal-strip { border-top: 1px solid rgba(255, 255, 255, 0.14); padding-top: 1.75rem; text-align: center; font-size: 0.8rem; }

/* --------------------------------------------------------------------------
   RESPONSIVE LAYOUT ADJUSTMENTS
   -------------------------------------------------------------------------- */
@media (max-width: 991px) {
  .hero { min-height: 390px; }
  .hero-title { font-size: 2.55rem; }
  .quick-links-grid { gap: 1.75rem 0.5rem; }
  .footer-grid { grid-template-columns: 1fr; gap: 2.25rem; }
}

@media (max-width: 768px) {
  .hero { min-height: 0; padding: 2rem 0 4rem; }
  .hero-title { font-size: 2.4rem; }
  .quick-links-title { font-size: 1.4rem; margin-bottom: 1.6rem; }
  .promo-header-banner { padding: 1.25rem; }
  .promo-header-text h2, .promo-header-text h3 { font-size: 1.18rem; }
  .promo-header-icon { width: 34px; height: 34px; }
  .promo-body-content { padding: 1.35rem; }
  .promo-headline { font-size: 1.16rem; }
  .investing-amount { font-size: 3rem; }
}

@media (prefers-color-scheme: dark) {
  .nav-links, .drawer-header, .drawer-search, .drawer-items, .nav-links .nav-link, .drawer-category {
    background-color: #ffffff !important;
    background: #ffffff !important;
    color: var(--vb-ink) !important;
  }
  .drawer-search input {
    color: var(--vb-ink) !important;
    background-color: transparent !important;
  }
  .chevron {
    color: var(--vb-ink) !important;
  }
}

@media (prefers-reduced-motion: reduce) {
  .quick-link-item, .hero-title, .btn { transition: none !important; }
}

/* ==========================================================================
   RETIREMENT / IRA SECTION
   The shortest section on the page on purpose. An IRA is one decision — tax
   now or tax later — so the block states the two options side by side and
   stops. Everything else about IRAs belongs on the product page, not here.
   Built on the brand tokens rather than its own colours, so it moved with the
   rest of the page when the palette changed.
   ========================================================================== */
.ira-eyebrow {
  display: inline-block;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.09em;
  text-transform: uppercase;
  color: var(--vb-blue);
  margin-bottom: 0.5rem;
}

.ira-paragraph {
  margin-bottom: 1.25rem;
}

.ira-options {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 0.75rem;
  margin-bottom: 1.5rem;
}

.ira-option {
  background: var(--vb-tint);
  border: 1px solid var(--vb-line);
  border-left: 3px solid var(--vb-blue);
  border-radius: var(--vb-radius);
  padding: 0.85rem 1rem;
}

.ira-option-name {
  display: block;
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--vb-ink);
  margin-bottom: 0.2rem;
}

.ira-option-line {
  display: block;
  font-size: 0.82rem;
  color: var(--vb-body);
  line-height: 1.4;
}

/* Two cards side by side stop being two cards below about 480px — they become
   two slivers. They stack instead. */
@media (max-width: 520px) {
  .ira-options {
    grid-template-columns: 1fr;
  }
}