/* Page styles for /personal-banking-investments/, from acu-website personal-banking-investments.html (tools/import-kit-page.py). */

/* ═══════════════════════════════════════════
   ACU BASE DESIGN SYSTEM (shared chrome)
   Page-specific section CSS is printed inline
   by each page template.
   ═══════════════════════════════════════════ */
*, *::before, *::after { margin: 0; padding: 0; box-sizing: border-box; }

:root {
  --navy: #1B2A4A; --navy-light: #243658; --navy-dark: #111d33;
  --orange: #C75B12; --orange-light: #d9762e; --gold: #D4952B;
  --cream: #E8E6E2; --offwhite: #F2F0EC; --midgray: #6B7280;
  --slate: #1F2937; --teal: #005984;
  --surface: #E8E4DF; --surface-light: #f0ede9; --surface-dark: #d4d0cb;
  --shadow-raised: 8px 8px 20px rgba(166,162,155,0.45), -8px -8px 20px rgba(255,255,255,0.8);
  --shadow-raised-sm: 4px 4px 10px rgba(166,162,155,0.4), -4px -4px 10px rgba(255,255,255,0.7);
  --shadow-inset: inset 4px 4px 10px rgba(166,162,155,0.4), inset -4px -4px 10px rgba(255,255,255,0.7);
  --shadow-raised-hover: 10px 10px 25px rgba(166,162,155,0.5), -10px -10px 25px rgba(255,255,255,0.85);
  --ease-out-expo: cubic-bezier(0.16, 1, 0.3, 1);
  --ease-out-quart: cubic-bezier(0.25, 1, 0.5, 1);
  --section-pad: clamp(80px, 10vw, 140px);
}

html { scroll-behavior: smooth; font-size: 16px; overflow-x: hidden; }
body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  background: var(--surface); color: var(--slate); line-height: 1.6;
  overflow-x: hidden; -webkit-font-smoothing: antialiased;
}
.baumans { font-family: 'futura-pt', 'Futura PT', 'Futura', 'Baumans', sans-serif; }
img { max-width: 100%; height: auto; }
a { color: var(--orange); }

/* Animations */
@keyframes fadeInUp { from { opacity:0; transform:translateY(50px); } to { opacity:1; transform:translateY(0); } }
@keyframes fadeInLeft { from { opacity:0; transform:translateX(-40px); } to { opacity:1; transform:translateX(0); } }
@keyframes fadeInRight { from { opacity:0; transform:translateX(40px); } to { opacity:1; transform:translateX(0); } }
@keyframes shimmer { 0% { background-position:-200% 0; } 100% { background-position:200% 0; } }
.reveal { opacity:0; transform:translateY(40px); transition: opacity 0.9s var(--ease-out-expo), transform 0.9s var(--ease-out-expo); }
.reveal.visible { opacity:1; transform:translateY(0); }
.reveal-left { opacity:0; transform:translateX(-50px); transition: opacity 0.9s var(--ease-out-expo), transform 0.9s var(--ease-out-expo); }
.reveal-left.visible { opacity:1; transform:translateX(0); }
.reveal-right { opacity:0; transform:translateX(50px); transition: opacity 0.9s var(--ease-out-expo), transform 0.9s var(--ease-out-expo); }
.reveal-right.visible { opacity:1; transform:translateX(0); }
.stagger-1{transition-delay:.1s} .stagger-2{transition-delay:.2s} .stagger-3{transition-delay:.3s}
.stagger-4{transition-delay:.4s} .stagger-5{transition-delay:.5s} .stagger-6{transition-delay:.6s}
.shimmer-text {
  background: linear-gradient(90deg, var(--orange) 0%, var(--gold) 50%, var(--orange) 100%);
  background-size: 200% auto; -webkit-background-clip: text; -webkit-text-fill-color: transparent;
  background-clip: text; animation: shimmer 3s linear infinite;
}

/* Nav */
.nav { position:fixed; top:0; left:0; right:0; z-index:1000; padding:24px 40px; display:flex; align-items:center; justify-content:space-between; transition:all 0.5s var(--ease-out-quart); background:transparent; }
.nav.scrolled { padding:12px 40px; background:rgba(232,228,223,0.85); backdrop-filter:blur(20px) saturate(180%); -webkit-backdrop-filter:blur(20px) saturate(180%); box-shadow:0 1px 30px rgba(27,42,74,0.08); }
.nav-logo img { height:120px; transition:all 0.5s var(--ease-out-quart); filter:brightness(0) invert(1); }
.nav.scrolled .nav-logo img { height:38px; filter:none; }
.nav-links { display:flex; align-items:center; gap:6px; list-style:none; }
.nav-links a { color:white; text-decoration:none; font-size:0.875rem; font-weight:500; padding:8px 16px; border-radius:12px; transition:all 0.3s ease; letter-spacing:0.01em; }
.nav-links a:hover { background:rgba(255,255,255,0.12); }
.nav.scrolled .nav-links a { color:var(--navy); }
.nav.scrolled .nav-links a:hover { background:rgba(27,42,74,0.06); box-shadow:var(--shadow-raised-sm); }
.nav-links a.current { background:rgba(255,255,255,0.12); }
.nav.scrolled .nav-links a.current { background:rgba(27,42,74,0.06); box-shadow:var(--shadow-raised-sm); }
.nav-cta { background:var(--orange)!important; color:white!important; padding:10px 24px!important; border-radius:14px!important; font-weight:600!important; box-shadow:0 4px 15px rgba(199,91,18,0.3)!important; transition:all 0.3s ease!important; }
.nav.scrolled .nav-cta { background:var(--navy)!important; box-shadow:var(--shadow-raised-sm)!important; }
.nav-cta:hover { background:var(--gold)!important; transform:translateY(-2px); box-shadow:0 8px 25px rgba(212,149,43,0.4)!important; }
.nav.scrolled .nav-cta:hover { background:var(--orange)!important; box-shadow:0 8px 25px rgba(199,91,18,0.3)!important; }
.nav-toggle { display:none; flex-direction:column; gap:5px; cursor:pointer; z-index:1001; padding:8px; }
.nav-toggle span { width:24px; height:2px; background:white; border-radius:2px; transition:all 0.3s ease; }
.nav.scrolled .nav-toggle span { background:var(--navy); }
.nav-toggle.active span:nth-child(1){transform:rotate(45deg) translate(5px,5px)} .nav-toggle.active span:nth-child(2){opacity:0} .nav-toggle.active span:nth-child(3){transform:rotate(-45deg) translate(5px,-5px)}

/* Split-Curtain Hero */
.hero { min-height: 100vh; display: flex; position: relative; overflow: hidden; background: var(--navy); }
.hero-left { flex: 0 0 48%; background: var(--navy); padding: 160px 60px 80px; display: flex; flex-direction: column; justify-content: center; position: relative; z-index: 2; }
.hero-est { display: inline-flex; align-items: center; gap: 12px; margin-bottom: 32px; opacity: 0; animation: fadeInUp 0.8s var(--ease-out-expo) 0.3s forwards; }
.hero-est-badge { font-family: 'futura-pt', 'Futura PT','Futura','Baumans',sans-serif; font-size: 0.8rem; font-weight: 600; letter-spacing: 0.12em; text-transform: uppercase; color: white; background: rgba(199,91,18,0.15); border: 1px solid rgba(199,91,18,0.3); padding: 8px 20px; border-radius: 24px; display: inline-flex; align-items: center; gap: 8px; }
.hero-est-dot { width: 8px; height: 8px; border-radius: 50%; background: linear-gradient(135deg, var(--orange), var(--gold)); }
.hero-title { font-family: 'futura-pt', 'Futura PT','Futura','Baumans',sans-serif; font-size: clamp(2.8rem, 5.5vw, 4.5rem); line-height: 1.08; color: white; margin-bottom: 24px; max-width: 600px; opacity: 0; animation: fadeInUp 0.8s var(--ease-out-expo) 0.5s forwards; }
.hero-title .accent { background: linear-gradient(135deg, var(--orange), var(--gold)); -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text; }
.hero-subtitle { font-size: 1.1rem; line-height: 1.7; color: rgba(255,255,255,0.6); margin-bottom: 40px; max-width: 480px; opacity: 0; animation: fadeInUp 0.8s var(--ease-out-expo) 0.7s forwards; }
.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; opacity: 0; animation: fadeInUp 0.8s var(--ease-out-expo) 0.9s forwards; }
.hero-right { flex: 1; position: relative; overflow: hidden; }
.hero-right img { width: 100%; height: 100%; object-fit: cover; object-position: center 30%; }
.hero-right::after { content: ''; position: absolute; inset: 0; background: linear-gradient(to right, rgba(27,42,74,0.18), transparent 40%); z-index: 1; }

/* Buttons */
.btn-neu { display:inline-flex; align-items:center; gap:10px; padding:16px 36px; border-radius:18px; font-size:0.95rem; font-weight:600; text-decoration:none; cursor:pointer; border:none; transition:all 0.35s var(--ease-out-quart); }
.btn-primary { background:var(--navy); color:white; box-shadow:6px 6px 16px rgba(27,42,74,0.35), -3px -3px 10px rgba(255,255,255,0.62); }
.btn-primary:hover { background:var(--orange); transform:translateY(-3px); box-shadow:0 12px 30px rgba(199,91,18,0.35); }
.btn-secondary { background:var(--surface); color:var(--navy); box-shadow:var(--shadow-raised); }
.btn-secondary:hover { transform:translateY(-3px); box-shadow:var(--shadow-raised-hover); }
.btn-glow { background:linear-gradient(135deg, var(--orange), var(--gold)); color:white; padding:18px 40px; border-radius:18px; font-size:1rem; font-weight:600; text-decoration:none; display:inline-flex; align-items:center; gap:10px; box-shadow:0 8px 30px rgba(199,91,18,0.4); transition:all 0.35s ease; border:none; cursor:pointer; }
.btn-glow:hover { transform:translateY(-3px) scale(1.02); box-shadow:0 12px 40px rgba(199,91,18,0.5); }
.btn-outline-light { color:white; border:1.5px solid rgba(255,255,255,0.25); padding:18px 40px; border-radius:18px; font-size:1rem; font-weight:500; text-decoration:none; display:inline-flex; align-items:center; gap:10px; transition:all 0.35s ease; background:transparent; cursor:pointer; }
.btn-outline-light:hover { border-color:var(--gold); color:var(--gold); transform:translateY(-2px); }
.btn-icon { width:20px; height:20px; transition:transform 0.3s ease; }
.btn-primary:hover .btn-icon, .btn-glow:hover .btn-icon { transform:translateX(4px); }

/* Sections */
.section { padding:var(--section-pad) 40px; position:relative; }
.section-inner { max-width:1280px; margin:0 auto; }
.section-header { text-align:center; margin-bottom:64px; }
.section-label { font-family:'futura-pt', 'Futura PT','Futura','Baumans',sans-serif; font-size:0.8rem; letter-spacing:0.15em; text-transform:uppercase; color:var(--orange); margin-bottom:16px; display:flex; align-items:center; justify-content:center; gap:12px; }
.section-label::before, .section-label::after { content:''; width:24px; height:1px; background:var(--orange); }
.section-title { font-family:'futura-pt', 'Futura PT','Futura','Baumans',sans-serif; font-size:clamp(2rem,4vw,3rem); color:var(--navy); line-height:1.15; margin-bottom:16px; }
.section-desc { font-size:1.05rem; color:var(--midgray); max-width:560px; margin:0 auto; line-height:1.65; }

/* CTA */
.cta-section { text-align:center; background:linear-gradient(135deg, var(--navy) 0%, var(--navy-dark) 100%); position:relative; overflow:hidden; }
.cta-section::before { content:''; position:absolute; width:800px; height:800px; background:radial-gradient(circle, rgba(199,91,18,0.12), transparent 65%); top:-400px; left:50%; transform:translateX(-50%); }
.cta-section .section-inner { position:relative; z-index:2; }
.cta-title { font-family:'futura-pt', 'Futura PT','Futura','Baumans',sans-serif; font-size:clamp(2.2rem,4.5vw,3.5rem); color:white; margin-bottom:20px; line-height:1.15; }
.cta-desc { font-size:1.1rem; color:rgba(255,255,255,0.6); max-width:520px; margin:0 auto 36px; line-height:1.65; }
.cta-actions { display:flex; gap:16px; justify-content:center; flex-wrap:wrap; }

/* Footer */
.footer { background:var(--slate); padding:80px 40px 40px; color:rgba(255,255,255,0.7); }
.footer-grid { max-width:1280px; margin:0 auto; display:grid; grid-template-columns:2fr 1fr 1fr 1fr 1fr; gap:40px; padding-bottom:60px; border-bottom:1px solid rgba(255,255,255,0.08); }
.footer-brand img { height:44px; margin-bottom:16px; }
.footer-brand p { font-size:0.85rem; line-height:1.6; max-width:280px; color:rgba(255,255,255,0.62); }
.footer-col h4, .footer-col .footer-h { font-family:'futura-pt', 'Futura PT','Futura','Baumans',sans-serif; font-size:0.9rem; color:white; margin-bottom:16px; }
.footer-col ul { list-style:none; } .footer-col li { margin-bottom:10px; }
.footer-col a { color:rgba(255,255,255,0.62); text-decoration:none; font-size:0.85rem; transition:color 0.3s ease; }
.footer-col a:hover { color:var(--gold); }
.footer-contact-item { display:flex; align-items:center; gap:10px; margin-bottom:12px; font-size:0.85rem; }
.footer-contact-item svg { width:16px; height:16px; fill:var(--gold); flex-shrink:0; }
.footer-bottom { max-width:1280px; margin:0 auto; padding-top:30px; display:flex; align-items:center; justify-content:space-between; flex-wrap:wrap; gap:20px; }
.footer-bottom p { font-size:0.75rem; color:rgba(255,255,255,0.35); }
.footer-bottom a { color:rgba(255,255,255,0.45); text-decoration:none; }
.footer-badges { display:flex; align-items:center; gap:20px; }
.footer-badges img { height:32px; opacity:0.6; }
.footer-social { display:flex; gap:10px; }
.footer-social a { width:38px; height:38px; border-radius:12px; background:rgba(255,255,255,0.06); display:flex; align-items:center; justify-content:center; transition:all 0.3s ease; }
.footer-social a:hover { background:var(--orange); transform:translateY(-2px); }
.footer-social svg { width:18px; height:18px; fill:rgba(255,255,255,0.6); }
.footer-social a:hover svg { fill:white; }

/* Responsive */
@media (max-width:1024px) {
  .hero { flex-direction: column; } .hero-left { flex: 0 0 auto; min-height: 60vh; padding: 120px 40px 60px; } .hero-right { flex: 0 0 40vh; }
  .footer-grid { grid-template-columns:repeat(2,1fr); }
}
@media (max-width:768px) {
  .nav{padding:16px 20px} .nav.scrolled{padding:12px 20px}
  .nav-links{display:none;position:fixed;top:0;left:0;right:0;bottom:0;background:rgba(232,228,223,0.98);backdrop-filter:blur(20px);flex-direction:column;align-items:center;justify-content:center;gap:12px}
  .nav-links.open{display:flex} .nav-toggle{display:flex}
  .nav-links.open a{color:var(--navy)!important} .nav-links.open a:hover{background:rgba(27,42,74,0.06)}
  .hero-left { padding: 100px 20px 40px; min-height: 55vh; } .hero-right { flex: 0 0 35vh; } .hero-actions { flex-direction:column; align-items:stretch; text-align:center; }
  .section{padding:60px 20px} .section-header{margin-bottom:40px}
  .footer-grid{grid-template-columns:1fr} .footer-bottom{flex-direction:column;text-align:center}
  .cta-actions{flex-direction:column;align-items:center}
  .acu-page{padding:120px 20px 60px}
}
.fs-cards { display:grid; grid-template-columns:repeat(2,1fr); gap:26px; max-width:1080px; margin:0 auto; }
.fs-card { background:var(--surface); border-radius:24px; box-shadow:var(--shadow-raised); padding:34px 30px; transition:transform .35s var(--ease-out-quart), box-shadow .35s; }
.fs-card:hover { transform:translateY(-5px); box-shadow:var(--shadow-raised-hover); }
.fs-card-icon { width:52px; height:52px; border-radius:16px; background:linear-gradient(135deg, var(--navy), var(--navy-light)); display:flex; align-items:center; justify-content:center; margin-bottom:18px; box-shadow:var(--shadow-raised-sm); }
.fs-card-icon svg { width:26px; height:26px; fill:var(--gold); }
.fs-card h3 { font-family:'futura-pt', 'Futura PT','Futura','Baumans',sans-serif; font-size:1.25rem; color:var(--navy); margin-bottom:10px; }
.fs-card p { font-size:0.93rem; color:var(--midgray); line-height:1.65; margin-bottom:16px; }
.fs-card a { display:inline-flex; align-items:center; gap:8px; font-weight:600; font-size:0.92rem; color:var(--orange); text-decoration:none; }
.fs-card a:hover { text-decoration:underline; }
.fs-products { display:grid; grid-template-columns:repeat(3,1fr); gap:22px; max-width:1160px; margin:0 auto; }
.fs-product { background:var(--surface); border-radius:20px; box-shadow:var(--shadow-raised-sm); padding:26px 24px; }
.fs-product h3 { font-family:'futura-pt', 'Futura PT','Futura','Baumans',sans-serif; font-size:1rem; color:var(--navy); margin-bottom:12px; padding-bottom:10px; border-bottom:2px solid var(--orange); display:inline-block; }
.fs-product ul { list-style:none; }
.fs-product li { position:relative; padding-left:22px; font-size:0.88rem; color:var(--slate); line-height:1.55; margin-bottom:8px; }
.fs-product li::before { content:'✓'; position:absolute; left:0; color:var(--orange); font-weight:700; }
.fs-steps { display:grid; grid-template-columns:repeat(3,1fr); gap:30px; max-width:1000px; margin:0 auto; }
.fs-step { text-align:center; padding:0 10px; }
.fs-step-num { width:68px; height:68px; border-radius:50%; background:var(--surface); box-shadow:var(--shadow-raised); display:flex; align-items:center; justify-content:center; margin:0 auto 20px; font-family:'futura-pt', 'Futura PT','Futura','Baumans',sans-serif; font-size:1.5rem; color:var(--orange); font-weight:600; }
.fs-step h3 { font-family:'futura-pt', 'Futura PT','Futura','Baumans',sans-serif; font-size:1.12rem; color:var(--navy); margin-bottom:10px; }
.fs-step p { font-size:0.9rem; color:var(--midgray); line-height:1.6; }
.fs-testimonial { max-width:760px; margin:0 auto; text-align:center; }
.testimonial-quote { font-family:'futura-pt', 'Futura PT','Futura','Baumans',sans-serif; font-size:clamp(1.25rem,2.4vw,1.7rem); color:var(--navy); line-height:1.5; margin-bottom:24px; }
.testimonial-name { font-size:0.95rem; font-weight:600; color:var(--orange); letter-spacing:0.05em; }
.testimonial-branch { display:block; margin-top:5px; font-size:0.76em; font-weight:400; letter-spacing:0.1em; opacity:0.65; }
.faq-list { max-width:800px; margin:0 auto; }
.faq-item { background:var(--surface); border-radius:18px; box-shadow:var(--shadow-raised-sm); margin-bottom:14px; overflow:hidden; }
.faq-question { width:100%; text-align:left; background:none; border:none; padding:22px 26px; font-family:'Inter',sans-serif; font-size:1rem; font-weight:600; color:var(--navy); cursor:pointer; display:flex; align-items:center; justify-content:space-between; gap:16px; }
.faq-question svg { width:20px; height:20px; fill:var(--orange); flex-shrink:0; transition:transform .35s var(--ease-out-quart); }
.faq-item.open .faq-question svg { transform:rotate(45deg); }
.faq-answer { max-height:0; overflow:hidden; transition:max-height .5s var(--ease-out-quart); }
.faq-answer-inner { padding:0 26px 22px; font-size:0.93rem; color:var(--midgray); line-height:1.7; }
.fs-disclosures { background:var(--surface-light); padding:clamp(36px,5vw,56px) 40px; }
.fs-disclosures-inner { max-width:1080px; margin:0 auto; }
.fs-disclosures h4 { font-family:'futura-pt', 'Futura PT','Futura','Baumans',sans-serif; font-size:0.82rem; color:var(--navy); margin-bottom:14px; letter-spacing:0.08em; text-transform:uppercase; }
.fs-disclosures p { font-size:0.74rem; color:var(--midgray); line-height:1.65; margin-bottom:10px; }
.fs-ndip-strip { font-size:0.72rem; color:rgba(255,255,255,0.55); letter-spacing:0.02em; margin-top:18px; max-width:480px; line-height:1.5; opacity:0; animation:fadeInUp 0.8s var(--ease-out-expo) 1.1s forwards; }
.fs-ndip-strip--light { color:var(--midgray); opacity:1; animation:none; text-align:center; max-width:640px; margin:0 auto 28px; }
.fs-team { display:grid; grid-template-columns:minmax(260px,380px) 1fr; gap:44px; align-items:start; max-width:1000px; margin:0 auto; }
.fs-team-copy { padding-top:8px; }
.fs-team-photo { border-radius:24px; overflow:hidden; box-shadow:var(--shadow-raised); }
.fs-team-photo img { width:100%; display:block; }
.fs-team-copy h3 { font-family:'futura-pt', 'Futura PT','Futura','Baumans',sans-serif; font-size:clamp(1.4rem,2.4vw,1.9rem); color:var(--navy); margin-bottom:4px; }
.fs-team-copy .fs-team-role { font-size:0.85rem; font-weight:600; letter-spacing:0.08em; text-transform:uppercase; color:var(--orange); margin-bottom:16px; }
.fs-team-copy p { font-size:0.97rem; color:var(--slate); line-height:1.7; margin-bottom:14px; }
.fs-team-copy .fs-team-contact { font-size:0.92rem; color:var(--midgray); }
.fs-team-copy .fs-team-contact a { color:var(--orange); font-weight:600; text-decoration:none; }
.fs-team-copy .fs-team-contact a:hover { text-decoration:underline; }
@media (max-width:900px) { .fs-team { grid-template-columns:1fr; max-width:480px; gap:24px; } }
@media (max-width:1024px) { .fs-cards { grid-template-columns:1fr; max-width:560px; } .fs-products { grid-template-columns:repeat(2,1fr); } }
@media (max-width:768px) { .fs-products { grid-template-columns:1fr; } .fs-steps { grid-template-columns:1fr; } }