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

*, *::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;
}
img { max-width: 100%; height: auto; }
a { color: var(--orange); }

@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-cta { background:var(--navy)!important; color:white!important; padding:10px 24px!important; border-radius:14px!important; font-weight:600!important; box-shadow:6px 6px 16px rgba(27,42,74,0.35),-3px -3px 10px rgba(255,255,255,0.62)!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(--orange)!important; transform:translateY(-2px); box-shadow:0 8px 25px rgba(199,91,18,0.3)!important; }
.nav-login { border:1.5px solid rgba(255,255,255,0.3)!important; padding:9px 22px!important; border-radius:14px!important; }
.nav.scrolled .nav-login { border-color:rgba(27,42,74,0.25)!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)}

/* Mega menu */
.has-mega { position:relative; }
.mega { display:none; position:absolute; top:calc(100% + 12px); left:50%; transform:translateX(-50%); background:rgba(232,228,223,0.97); backdrop-filter:blur(20px); border-radius:20px; box-shadow:0 20px 60px rgba(27,42,74,0.15); padding:28px; min-width:580px; z-index:999; }
.has-mega:hover .mega { display:block; }
.mega-inner { display:grid; grid-template-columns:repeat(auto-fit,minmax(140px,1fr)); gap:24px; }
.mega-col h4 { font-family:'futura-pt', 'Futura PT','Futura','Baumans',sans-serif; font-size:0.75rem; letter-spacing:0.1em; text-transform:uppercase; color:var(--orange); margin-bottom:12px; }
.mega-col a { display:block; color:var(--navy); font-size:0.85rem; padding:4px 0; text-decoration:none; transition:color 0.2s ease; }
.mega-col a:hover { color:var(--orange); }
.mega-all { display:inline-flex; align-items:center; gap:6px; background:var(--navy); color:white!important; padding:10px 20px; border-radius:12px; font-size:0.82rem; font-weight:600; text-decoration:none; margin-top:16px; transition:all 0.3s ease; }
.mega-all:hover { background:var(--orange)!important; }
.nav-caret { width:14px; height:14px; display:inline-block; vertical-align:middle; margin-left:2px; }
.align-right .mega { left:auto; right:0; transform:none; }

/* Hero */
.hero { min-height:100vh; display:flex; position:relative; overflow:hidden; background:var(--navy); }
.hero-left { flex:0 0 52%; 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-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(27,42,74,0.22), 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(255,255,255,0.28); padding:16px 36px; border-radius:18px; font-size:0.95rem; 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; }

/* Feature cards - 2x2 grid */
.feat-section { background:var(--surface); }
.feat-grid-2x2 { display:grid; grid-template-columns:repeat(2,1fr); gap:28px; }
.feat-card { background:var(--surface); border-radius:24px; box-shadow:var(--shadow-raised); padding:36px 32px; transition:transform 0.35s var(--ease-out-quart), box-shadow 0.35s var(--ease-out-quart); }
.feat-card:hover { transform:translateY(-6px); box-shadow:var(--shadow-raised-hover); }
.feat-icon { width:52px; height:52px; border-radius:16px; background:linear-gradient(135deg, var(--orange), var(--gold)); display:flex; align-items:center; justify-content:center; margin-bottom:22px; }
.feat-icon svg { width:26px; height:26px; fill:white; }
.feat-card h3 { font-family:'futura-pt', 'Futura PT','Futura','Baumans',sans-serif; font-size:1.15rem; color:var(--navy); margin-bottom:10px; }
.feat-card p { font-size:0.93rem; color:var(--midgray); line-height:1.65; }

/* Document types section */
.docs-section { background:var(--surface-light); }
.docs-inner { max-width:900px; margin:0 auto; }
.docs-grid { display:grid; grid-template-columns:1fr 1fr; gap:14px; margin-bottom:24px; }
.doc-item { display:flex; align-items:flex-start; gap:12px; background:var(--surface); border-radius:14px; box-shadow:var(--shadow-raised-sm); padding:16px 20px; }
.doc-item svg { width:20px; height:20px; fill:var(--orange); flex-shrink:0; margin-top:2px; }
.doc-item span { font-size:0.92rem; color:var(--slate); line-height:1.5; }
.docs-note { background:rgba(199,91,18,0.06); border:1px solid rgba(199,91,18,0.15); border-radius:14px; padding:16px 20px; font-size:0.88rem; color:var(--midgray); line-height:1.6; }

/* Benefits grid */
.ben-section { background:var(--navy); padding:var(--section-pad) 40px; }
.ben-section .section-title { color:white; }
.ben-section .section-desc { color:rgba(255,255,255,0.55); }
.ben-grid { display:grid; grid-template-columns:repeat(3,1fr); gap:24px; }
.ben-card { background:rgba(255,255,255,0.05); border:1px solid rgba(255,255,255,0.08); border-radius:20px; padding:32px 28px; transition:background 0.3s ease; }
.ben-card:hover { background:rgba(255,255,255,0.08); }
.ben-card svg { width:28px; height:28px; fill:var(--gold); margin-bottom:16px; }
.ben-card h3 { font-family:'futura-pt', 'Futura PT','Futura','Baumans',sans-serif; font-size:1rem; color:white; margin-bottom:8px; }
.ben-card p { font-size:0.88rem; color:rgba(255,255,255,0.62); line-height:1.6; }

/* How-to steps */
.how-section { background:var(--surface); }
.how-steps { display:grid; grid-template-columns:repeat(3,1fr); gap:0; position:relative; }
.how-steps::before { content:''; position:absolute; top:40px; left:calc(33.33% - 0px); right:calc(33.33% - 0px); height:2px; background:linear-gradient(90deg, var(--orange), var(--gold)); z-index:0; }
.how-step { text-align:center; padding:0 32px; position:relative; z-index:1; }
.how-num { width:80px; height:80px; border-radius:50%; background:var(--surface); box-shadow:var(--shadow-raised); display:flex; align-items:center; justify-content:center; margin:0 auto 24px; font-family:'futura-pt', 'Futura PT','Futura','Baumans',sans-serif; font-size:1.6rem; color:var(--orange); font-weight:700; }
.how-step h3 { font-family:'futura-pt', 'Futura PT','Futura','Baumans',sans-serif; font-size:1.1rem; color:var(--navy); margin-bottom:10px; }
.how-step p { font-size:0.92rem; color:var(--midgray); line-height:1.65; }

/* Testimonial */
.testi-section { background:var(--surface); padding-top:0; }
.testi-card { max-width:800px; margin:0 auto; background:var(--surface); border-radius:28px; box-shadow:var(--shadow-raised); padding:48px; text-align:center; }
.testi-stars { color:var(--gold); font-size:1.3rem; letter-spacing:4px; margin-bottom:20px; }
.testi-quote { font-size:1.08rem; color:var(--slate); line-height:1.75; font-style:italic; margin-bottom:24px; }
.testi-author { display:flex; align-items:center; justify-content:center; gap:14px; }
.testi-avatar { width:48px; height:48px; border-radius:50%; background:linear-gradient(135deg, var(--navy), var(--orange)); display:flex; align-items:center; justify-content:center; font-family:'futura-pt', 'Futura PT','Futura','Baumans',sans-serif; font-size:1.1rem; color:white; font-weight:700; }
.testi-name { font-weight:600; color:var(--navy); font-size:0.95rem; }
.testi-role { font-size:0.82rem; color:var(--midgray); }

/* FAQ accordion */
.faq-section { background:var(--surface); }
.faq-list { max-width:800px; margin:0 auto; display:flex; flex-direction:column; gap:12px; }
.faq-item { background:var(--surface); border-radius:18px; box-shadow:var(--shadow-raised); overflow:hidden; }
.faq-question { width:100%; background:none; border:none; padding:24px 28px; display:flex; align-items:center; justify-content:space-between; gap:16px; cursor:pointer; text-align:left; font-family:'Inter',-apple-system,sans-serif; font-size:1rem; font-weight:600; color:var(--navy); transition:color 0.3s ease; }
.faq-question:hover { color:var(--orange); }
.faq-question svg { width:22px; height:22px; fill:var(--orange); flex-shrink:0; transition:transform 0.4s var(--ease-out-expo); }
.faq-item.open .faq-question svg { transform:rotate(180deg); }
.faq-ans { max-height:0; overflow:hidden; transition:max-height 0.5s var(--ease-out-expo); }
.faq-ans-inner { padding:0 28px 24px; font-size:0.95rem; color:var(--midgray); line-height:1.7; }
.faq-item.open .faq-ans { max-height:400px; }

/* CTA section */
.cta-section { text-align:center; background:linear-gradient(135deg, var(--navy) 0%, var(--navy-dark) 100%); position:relative; overflow:hidden; padding:var(--section-pad) 40px; }
.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; }

/* Disclosures */
.disc-section { background:var(--navy-dark); padding:48px 40px; }
.disc-inner { max-width:960px; margin:0 auto; }
.disc-label { font-family:'futura-pt', 'Futura PT','Futura','Baumans',sans-serif; font-size:0.72rem; letter-spacing:0.12em; text-transform:uppercase; color:rgba(255,255,255,0.3); margin-bottom:14px; }
.disc-inner p { font-size:0.78rem; color:rgba(255,255,255,0.35); line-height:1.65; }

/* 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; }
  .feat-grid-2x2 { grid-template-columns:repeat(2,1fr); }
  .ben-grid { grid-template-columns:repeat(2,1fr); }
  .footer-grid { grid-template-columns:repeat(2,1fr); }
  .docs-grid { grid-template-columns: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}
  .feat-grid-2x2{grid-template-columns:1fr}
  .docs-grid{grid-template-columns:1fr}
  .ben-grid{grid-template-columns:1fr}
  .how-steps{grid-template-columns:1fr;gap:40px} .how-steps::before{display:none}
  .cta-actions{flex-direction:column;align-items:center}
  .footer-grid{grid-template-columns:1fr} .footer-bottom{flex-direction:column;text-align:center}
  .disc-section{padding:40px 20px}
}

.hero-right { background: var(--navy); }
.hero-right.video-mode img { opacity: 0; }
.hero-video {
  position: absolute; inset: 0; width: 100%; height: 100%;
  object-fit: cover; z-index: 0; opacity: 0; transition: opacity 1.2s ease;
}
.hero-video.playing { opacity: 1; }
@media (max-width: 1024px), (prefers-reduced-motion: reduce) {
  .hero-video { display: none; }
  .hero-right.video-mode img { opacity: 1; }
}