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

/* ═══════════════════════════════════════════
   ACU BASE DESIGN SYSTEM
   ═══════════════════════════════════════════ */
*, *::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 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%); 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; }
.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(--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; }
.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); }
.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)}

/* 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-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-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-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:600px; margin:0 auto; line-height:1.65; }

/* CTA band */
.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; }

/* Product Cards */
.prod-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 28px; }
.prod-card { background: var(--surface); border-radius: 28px; box-shadow: var(--shadow-raised); overflow: hidden; display: flex; flex-direction: column; transition: all 0.4s var(--ease-out-quart); position: relative; }
.prod-card:hover { transform: translateY(-8px); box-shadow: var(--shadow-raised-hover); }
.prod-card-featured { border: 2px solid var(--orange); }
.prod-card-body { padding: 36px 36px 24px; flex: 1; }
.prod-badge { display: inline-block; font-family: 'futura-pt', 'Futura PT','Futura','Baumans',sans-serif; font-size: 0.7rem; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; padding: 5px 14px; border-radius: 20px; margin-bottom: 18px; }
.badge-start { background: rgba(27,42,74,0.1); color: var(--navy); }
.badge-goals { background: rgba(199,91,18,0.12); color: var(--orange); }
.badge-balance { background: rgba(0,89,132,0.1); color: var(--teal); }
.badge-lock { background: rgba(212,149,43,0.15); color: #8a6200; }
.prod-name { font-family: 'futura-pt', 'Futura PT','Futura','Baumans',sans-serif; font-size: 1.4rem; color: var(--navy); margin-bottom: 12px; line-height: 1.2; }
.prod-desc { font-size: 0.9rem; color: var(--midgray); line-height: 1.65; }
.prod-specs { border-top: 1px solid var(--surface-dark); padding: 20px 36px 28px; display: flex; flex-direction: column; gap: 10px; }
.spec-row { display: flex; align-items: center; justify-content: space-between; font-size: 0.82rem; }
.spec-label { color: var(--midgray); }
.spec-value { font-weight: 600; color: var(--navy); text-align: right; }
.prod-cta { display: block; text-align: center; padding: 14px 24px; background: var(--navy); color: white; font-family: 'futura-pt', 'Futura PT','Futura','Baumans',sans-serif; font-size: 0.9rem; font-weight: 600; text-decoration: none; border-radius: 0 0 26px 26px; transition: background 0.3s; }
.prod-card-featured .prod-cta { background: var(--orange); }
.prod-cta:hover { background: var(--orange); color: white; }
.prod-card-featured .prod-cta:hover { background: var(--gold); }

/* Self-selection guide */
.selector-box { background: var(--surface); border-radius: 20px; box-shadow: var(--shadow-inset); padding: 28px 36px; margin-top: 48px; text-align: center; }
.selector-box p { font-size: 0.95rem; color: var(--midgray); line-height: 1.75; }
.selector-box strong { color: var(--navy); }

/* Specialty accounts */
.spec-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.spec-card { background: var(--surface); border-radius: 24px; box-shadow: var(--shadow-raised-sm); padding: 32px 28px; transition: all 0.4s var(--ease-out-quart); }
.spec-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-raised); }
.spec-icon { width: 48px; height: 48px; background: rgba(199,91,18,0.1); border-radius: 14px; display: flex; align-items: center; justify-content: center; margin-bottom: 18px; }
.spec-icon svg { width: 24px; height: 24px; fill: var(--orange); }
.spec-name { font-family: 'futura-pt', 'Futura PT','Futura','Baumans',sans-serif; font-size: 1.1rem; color: var(--navy); margin-bottom: 10px; }
.spec-desc { font-size: 0.875rem; color: var(--midgray); line-height: 1.6; margin-bottom: 18px; }
.spec-link { font-size: 0.85rem; font-weight: 600; color: var(--orange); text-decoration: none; display: inline-flex; align-items: center; gap: 6px; }
.spec-link:hover { color: var(--gold); }

/* Rates table */
.rates-table-wrap { overflow-x: auto; }
.rates-table { width: 100%; border-collapse: collapse; background: var(--surface); border-radius: 20px; overflow: hidden; box-shadow: var(--shadow-raised); }
.rates-table th { background: var(--navy); color: white; font-family: 'futura-pt', 'Futura PT','Futura','Baumans',sans-serif; font-size: 0.8rem; letter-spacing: 0.08em; text-transform: uppercase; padding: 16px 20px; text-align: left; }
.rates-table td { padding: 16px 20px; font-size: 0.875rem; color: var(--slate); border-bottom: 1px solid var(--surface-dark); }
.rates-table tr:last-child td { border-bottom: none; }
.rates-table tr:nth-child(even) td { background: rgba(232,228,223,0.5); }
.rates-table .rate-val { font-weight: 700; color: var(--navy); }
.rates-table .see-rates { color: var(--orange); font-weight: 600; text-decoration: none; font-size: 0.8rem; }
.rates-table .see-rates:hover { text-decoration: underline; }

/* Benefits grid */
.bfts-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.bft { background: rgba(255,255,255,0.06); border: 1px solid rgba(255,255,255,0.1); border-radius: 20px; padding: 28px 24px; }
.bft-icon { width: 44px; height: 44px; background: rgba(199,91,18,0.2); border-radius: 12px; display: flex; align-items: center; justify-content: center; margin-bottom: 16px; }
.bft-icon svg { width: 22px; height: 22px; fill: var(--gold); }
.bft-title { font-family: 'futura-pt', 'Futura PT','Futura','Baumans',sans-serif; font-size: 1rem; color: white; margin-bottom: 8px; }
.bft-desc { font-size: 0.85rem; color: rgba(255,255,255,0.6); line-height: 1.6; }

/* Steps */
.steps-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.step-card { border-radius: 24px; padding: 40px 32px; text-align: center; }
.step-num { font-family: 'futura-pt', 'Futura PT','Futura','Baumans',sans-serif; font-size: 3rem; color: var(--orange); line-height: 1; margin-bottom: 16px; }
.step-title { font-family: 'futura-pt', 'Futura PT','Futura','Baumans',sans-serif; font-size: 1.1rem; margin-bottom: 10px; }
.step-desc { font-size: 0.875rem; line-height: 1.65; }

/* Testimonial */
.testimonial { max-width: 720px; margin: 0 auto; text-align: center; padding: 56px 48px; background: rgba(255,255,255,0.05); border: 1px solid rgba(255,255,255,0.1); border-radius: 28px; }
.testimonial-stars { color: var(--gold); font-size: 1.2rem; letter-spacing: 3px; margin-bottom: 20px; }
.testimonial-quote { font-size: 1.2rem; color: white; font-style: italic; line-height: 1.7; margin-bottom: 20px; }
.testimonial-name { font-family: 'futura-pt', 'Futura PT','Futura','Baumans',sans-serif; font-size: 0.85rem; letter-spacing: 0.1em; text-transform: uppercase; color: rgba(255,255,255,0.62); }

/* FAQ */
.sav-faq { max-width: 760px; margin: 0 auto; }
.sav-faq-item { background: var(--surface); border-radius: 18px; margin-bottom: 12px; box-shadow: var(--shadow-raised-sm); overflow: hidden; }
.sav-faq-q { width: 100%; background: none; border: none; padding: 22px 28px; text-align: left; font-family: 'futura-pt', 'Futura PT','Futura','Baumans',sans-serif; font-size: 1rem; color: var(--navy); cursor: pointer; display: flex; justify-content: space-between; align-items: center; gap: 16px; font-weight: 600; }
.sav-faq-q svg { width: 20px; height: 20px; fill: var(--orange); flex-shrink: 0; transition: transform 0.3s ease; }
.sav-faq-item.open .sav-faq-q svg { transform: rotate(180deg); }
.sav-faq-a { max-height: 0; overflow: hidden; transition: max-height 0.4s ease; }
.sav-faq-a-inner { padding: 0 28px 22px; font-size: 0.9rem; color: var(--midgray); line-height: 1.7; }
.sav-faq-item.open .sav-faq-a { max-height: 300px; }

/* Disclosures */
.disclosures { background: var(--surface); border-radius: 20px; box-shadow: var(--shadow-raised-sm); padding: 32px 36px; }
.disclosures h4 { font-family: 'futura-pt', 'Futura PT','Futura','Baumans',sans-serif; font-size: 0.8rem; letter-spacing: 0.1em; text-transform: uppercase; color: var(--navy); margin-bottom: 14px; }
.disclosures p { font-size: 0.78rem; color: var(--midgray); line-height: 1.7; margin-bottom: 8px; }

/* 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; }
  .prod-grid { grid-template-columns: 1fr; }
  .spec-grid { grid-template-columns: repeat(2, 1fr); }
  .bfts-grid { grid-template-columns: repeat(2, 1fr); }
  .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}
  .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}
  .spec-grid { grid-template-columns: 1fr; }
  .bfts-grid { grid-template-columns: 1fr; }
  .steps-grid { grid-template-columns: 1fr; }
  .footer-grid{grid-template-columns:1fr} .footer-bottom{flex-direction:column;text-align:center}
  .cta-actions{flex-direction:column;align-items:center}
  .testimonial { padding: 40px 28px; }
}