/* account-patelco.org — professional finance-editorial identity
   Burgundy #7c2d12 + Slate #f1f5f9 · Roboto Slab (headings) + Work Sans (body)
   Deliberately NON-Patelco (Patelco = red #D62C35 + teal): anti-cluster + de-mimicry.
   Institutional/banking look — NOT a plain blog. Independent editorial guide about Patelco CU. */

:root {
  --burgundy: #7c2d12;
  --burgundy-dark: #5c1f0c;
  --burgundy-tint: #f6ede9;
  --gold: #b45309;          /* restrained accent for small highlights */
  --ink: #1f2937;           /* headings */
  --body: #374151;          /* body text */
  --muted: #6b7280;         /* secondary text */
  --slate-bg: #f1f5f9;      /* page section band */
  --slate-deep: #263445;    /* footer / dark bar */
  --paper: #ffffff;
  --line: #e2e8f0;
  --line-strong: #cbd5e1;
  --ok: #15803d;
  --radius: 6px;
  --radius-lg: 10px;
  --shadow-sm: 0 1px 2px rgba(15,23,42,.06), 0 1px 3px rgba(15,23,42,.08);
  --shadow-md: 0 4px 14px rgba(15,23,42,.08);
  --wrap: 1120px;
  --col: 720px;
  --font-head: "Roboto Slab", Georgia, "Times New Roman", serif;
  --font-body: "Work Sans", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font-body);
  font-size: 17px;
  line-height: 1.65;
  color: var(--body);
  background: var(--paper);
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--burgundy); text-decoration: none; }
a:hover { text-decoration: underline; }

h1, h2, h3, h4 { font-family: var(--font-head); color: var(--ink); line-height: 1.22; margin: 0 0 .5em; font-weight: 700; }
h1 { font-size: clamp(1.85rem, 3.6vw, 2.6rem); letter-spacing: -.01em; }
h2 { font-size: clamp(1.4rem, 2.4vw, 1.85rem); margin-top: 1.8em; }
h3 { font-size: 1.22rem; margin-top: 1.5em; }
p { margin: 0 0 1.1em; }
strong { color: var(--ink); font-weight: 600; }

.wrap { max-width: var(--wrap); margin: 0 auto; padding: 0 22px; }

/* ---------- Top editorial bar (NOT a bank utility strip) ---------- */
.topbar { background: var(--slate-deep); color: #cbd5e1; font-size: 13px; }
.topbar .wrap { display: flex; justify-content: space-between; align-items: center; gap: 16px; min-height: 38px; flex-wrap: wrap; }
.topbar a { color: #e2e8f0; }
.topbar .tb-note { font-weight: 500; }
.topbar .tb-links { display: flex; gap: 18px; }

/* ---------- Header / nav ---------- */
.site-header { position: sticky; top: 0; z-index: 40; background: var(--paper); border-bottom: 1px solid var(--line); box-shadow: var(--shadow-sm); }
.site-header .wrap { display: flex; align-items: center; justify-content: space-between; min-height: 68px; gap: 24px; }
.brand { display: flex; align-items: center; gap: 11px; font-family: var(--font-head); font-weight: 700; color: var(--ink); font-size: 1.12rem; letter-spacing: -.01em; }
.brand:hover { text-decoration: none; }
.brand-mark { width: 36px; height: 36px; flex: 0 0 36px; border-radius: 7px; display: block; }
.brand-name small { display: block; font-family: var(--font-body); font-weight: 500; font-size: 11px; letter-spacing: .06em; text-transform: uppercase; color: var(--muted); }

.main-nav { display: flex; align-items: center; gap: 26px; }
.main-nav a { color: var(--ink); font-weight: 500; font-size: 15px; }
.main-nav a:hover { color: var(--burgundy); text-decoration: none; }
.header-cta { background: var(--burgundy); color: #fff !important; padding: 9px 18px; border-radius: var(--radius); font-weight: 600; font-size: 14px; }
.header-cta:hover { background: var(--burgundy-dark); text-decoration: none; }
.nav-toggle { display: none; background: none; border: 1px solid var(--line-strong); border-radius: var(--radius); padding: 7px 10px; font-size: 15px; cursor: pointer; color: var(--ink); }

/* ---------- Hero ---------- */
.hero { background: linear-gradient(180deg, var(--burgundy-tint) 0%, var(--paper) 100%); border-bottom: 1px solid var(--line); }
.hero .wrap { display: grid; grid-template-columns: 1.15fr .85fr; gap: 40px; align-items: center; padding: 48px 22px 44px; }
.hero-eyebrow { font-family: var(--font-body); text-transform: uppercase; letter-spacing: .09em; font-size: 12.5px; font-weight: 700; color: var(--burgundy); margin-bottom: 12px; }
.hero h1 { margin-bottom: .4em; }
.hero-lead { font-size: 1.12rem; color: var(--body); margin-bottom: 1.3em; }
.hero-photo img { width: 100%; border-radius: var(--radius-lg); box-shadow: var(--shadow-md); aspect-ratio: 4/3; object-fit: cover; }
.hero-actions { display: flex; gap: 12px; flex-wrap: wrap; align-items: center; }

/* ---------- Buttons ---------- */
.btn { display: inline-block; font-weight: 600; font-size: 15px; padding: 12px 22px; border-radius: var(--radius); cursor: pointer; border: 1px solid transparent; }
.btn-primary { background: var(--burgundy); color: #fff !important; }
.btn-primary:hover { background: var(--burgundy-dark); text-decoration: none; }
.btn-outline { background: #fff; color: var(--burgundy) !important; border-color: var(--line-strong); }
.btn-outline:hover { border-color: var(--burgundy); text-decoration: none; }

/* de-emphasized official link — deliberately low-key text link, NOT a funnel button */
.official-link { font-size: 14.5px; color: var(--muted); }
.official-link a { color: var(--burgundy); font-weight: 500; }

/* ---------- Layout: content + sidebar ---------- */
.page { padding: 40px 0 56px; }
.layout { display: grid; grid-template-columns: minmax(0,1fr) 300px; gap: 44px; align-items: start; }
.content { max-width: var(--col); }
.content > *:first-child { margin-top: 0; }
.lead-def { font-size: 1.14rem; color: var(--ink); border-left: 3px solid var(--burgundy); padding-left: 16px; margin-bottom: 1.4em; }

/* ---------- Breadcrumbs ---------- */
.breadcrumbs { font-size: 13.5px; color: var(--muted); margin-bottom: 18px; }
.breadcrumbs a { color: var(--muted); }
.breadcrumbs a:hover { color: var(--burgundy); }
.breadcrumbs span { color: var(--line-strong); margin: 0 7px; }

/* ---------- Trust bar (NCUA / routing / phone facts) ---------- */
.trust-bar { background: var(--slate-bg); border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 18px 20px; display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; margin: 26px 0; }
.trust-bar .ti { display: flex; flex-direction: column; }
.trust-bar .ti b { font-family: var(--font-head); color: var(--ink); font-size: 1.05rem; }
.trust-bar .ti span { font-size: 13px; color: var(--muted); text-transform: uppercase; letter-spacing: .05em; }

/* ---------- Sidebar ---------- */
.sidebar { position: sticky; top: 92px; display: flex; flex-direction: column; gap: 22px; }
.side-card { border: 1px solid var(--line); border-radius: var(--radius-lg); overflow: hidden; background: var(--paper); box-shadow: var(--shadow-sm); }
.side-card h3 { margin: 0; padding: 14px 18px; font-size: 15px; background: var(--slate-bg); border-bottom: 1px solid var(--line); }
.side-card .sc-body { padding: 14px 18px; font-size: 14.5px; }
.side-card ul { margin: 0; padding-left: 18px; }
.side-card li { margin-bottom: 7px; }

/* ---------- Editorial content primitives ---------- */
.callout { background: var(--burgundy-tint); border-left: 4px solid var(--burgundy); border-radius: 0 var(--radius) var(--radius) 0; padding: 16px 20px; margin: 1.6em 0; }
.callout p:last-child { margin-bottom: 0; }
.callout.note { background: var(--slate-bg); border-left-color: var(--slate-deep); }

.help-cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; margin: 1.6em 0; }
.help-cards .hc { border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 20px; background: var(--paper); }
.help-cards .hc h3 { margin-top: 0; font-size: 1.05rem; }
.help-cards .hc p { margin-bottom: 0; font-size: 15px; color: var(--body); }

.steps { counter-reset: step; list-style: none; padding: 0; margin: 1.4em 0; }
.steps li { position: relative; padding: 0 0 18px 52px; }
.steps li::before { counter-increment: step; content: counter(step); position: absolute; left: 0; top: -2px; width: 34px; height: 34px; background: var(--burgundy); color: #fff; border-radius: 50%; display: grid; place-items: center; font-family: var(--font-head); font-weight: 700; }
.steps li strong { display: block; color: var(--ink); }

.num-list { padding-left: 1.2em; }
.num-list li { margin-bottom: 10px; }

.pull-quote { font-family: var(--font-head); font-size: 1.3rem; line-height: 1.4; color: var(--ink); border-top: 2px solid var(--burgundy); border-bottom: 2px solid var(--burgundy); padding: 18px 0; margin: 1.8em 0; }

.fact-row { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; margin: 1.6em 0; text-align: center; }
.fact-row .fr { background: var(--slate-bg); border-radius: var(--radius-lg); padding: 18px 12px; }
.fact-row .fr b { display: block; font-family: var(--font-head); font-size: 1.5rem; color: var(--burgundy); }
.fact-row .fr span { font-size: 13px; color: var(--muted); }
/* fact-row inside the narrow sidebar must stack vertically (no clip) */
.side-card .fact-row, .sidebar .fact-row { grid-template-columns: 1fr; gap: 10px; text-align: left; }
.side-card .fact-row .fr b, .sidebar .fact-row .fr b { font-size: 1.2rem; }

/* ---------- Tables (rates / routing / dept matrix) ---------- */
.table-wrap { overflow-x: auto; margin: 1.6em 0; border: 1px solid var(--line); border-radius: var(--radius-lg); }
table.data { width: 100%; border-collapse: collapse; font-size: 15px; min-width: 460px; }
table.data th, table.data td { padding: 12px 16px; text-align: left; border-bottom: 1px solid var(--line); }
table.data thead th { background: var(--slate-deep); color: #fff; font-family: var(--font-body); font-weight: 600; font-size: 14px; }
table.data tbody tr:nth-child(even) { background: var(--slate-bg); }
table.data tbody tr:last-child td { border-bottom: none; }

/* ---------- FAQ (open, not accordion) ---------- */
.faq-grid { margin: 1.6em 0; }
.faq-grid .fq { border-bottom: 1px solid var(--line); padding: 18px 0; }
.faq-grid .fq h3 { margin: 0 0 .4em; font-size: 1.08rem; }
.faq-grid .fq p:last-child { margin-bottom: 0; }

/* ---------- Section band ---------- */
.band { background: var(--slate-bg); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); padding: 40px 0; }

/* ---------- Footer ---------- */
.site-footer { background: var(--slate-deep); color: #b6c2d1; font-size: 14.5px; margin-top: 48px; }
.site-footer .wrap { padding: 44px 22px 28px; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 34px; }
.site-footer h4 { color: #fff; font-family: var(--font-body); font-size: 13px; text-transform: uppercase; letter-spacing: .07em; margin: 0 0 14px; }
.site-footer a { color: #cbd5e1; }
.site-footer a:hover { color: #fff; }
.site-footer ul { list-style: none; margin: 0; padding: 0; }
.site-footer li { margin-bottom: 9px; }
.footer-brand .brand-mark { border-radius: 7px; }
.footer-brand p { margin-top: 14px; color: #94a3b8; font-size: 14px; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.12); margin-top: 30px; padding-top: 20px; font-size: 13px; color: #94a3b8; }
.footer-bottom .disclaimer { margin-bottom: 10px; line-height: 1.6; }

/* ---------- Responsive ---------- */
@media (max-width: 900px) {
  .hero .wrap { grid-template-columns: 1fr; gap: 26px; padding: 36px 22px; }
  .hero-photo { order: -1; }
  .layout { grid-template-columns: 1fr; gap: 34px; }
  .sidebar { position: static; }
  .fact-row { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr; gap: 26px; }
}
@media (max-width: 680px) {
  .main-nav { display: none; position: absolute; top: 68px; left: 0; right: 0; background: #fff; flex-direction: column; align-items: stretch; gap: 0; border-bottom: 1px solid var(--line); box-shadow: var(--shadow-md); padding: 8px 0; }
  .main-nav.open { display: flex; }
  .main-nav a { padding: 12px 22px; }
  .main-nav .header-cta { margin: 8px 22px; text-align: center; }
  .nav-toggle { display: block; }
  .help-cards { grid-template-columns: 1fr; }
  .trust-bar { grid-template-columns: 1fr; gap: 12px; }
  .fact-row { grid-template-columns: 1fr 1fr; }
}