/* Haven Credit Union: shared base */
:root {
  --navy: #002948;
  --navy-2: #003a66;
  --navy-deep: #001b31;
  --gold: #f2b100;
  --gold-2: #ffc21f;
  --cyan: #4dd0f0;
  --brand-cyan: #42c2e3;
  --cyan-ink: #0a7fa6;
  --surface: #f9fcfe;
  --surface-alt: #edf4f9;
  --ink: #0e2236;
  --ink-muted: #4a5f73;
  --line: #dbe4ec;
  --white: #fff;
  --serif: "DM Serif Display", Georgia, serif;
  --script: "Playfair Display", Georgia, serif;
  --sans: "Source Sans 3", system-ui, -apple-system, "Segoe UI", sans-serif;
  --gutter: clamp(20px, 5vw, 112px);
  --radius: 8px;
  --ease: cubic-bezier(.2, .7, .2, 1);
  --shadow-lift: 0 14px 32px -12px rgba(0, 41, 72, .28);
  --header-h: 96px;
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; scroll-padding-top: calc(var(--header-h) + 16px); }
body { margin: 0; font-family: var(--sans); font-size: 16px; line-height: 1.5; color: var(--ink); background: var(--surface); -webkit-font-smoothing: antialiased; overflow-x: hidden; }
body.lock { overflow: hidden; }
img { display: block; max-width: 100%; height: auto; }
a { color: inherit; text-decoration: none; }
button { font: inherit; color: inherit; }
ul { list-style: none; margin: 0; padding: 0; }
h1, h2, h3, h4, p { margin: 0; }
.i { width: 20px; height: 20px; flex-shrink: 0; }
:focus-visible { outline: 3px solid var(--cyan); outline-offset: 2px; border-radius: 4px; }
@media (prefers-reduced-motion: reduce) { *, *::before, *::after { transition-duration: .01ms !important; animation-duration: .01ms !important; scroll-behavior: auto !important; } }

.wrap { width: min(1216px, 100% - 2 * var(--gutter)); margin-inline: auto; }
.skip { position: absolute; left: 16px; top: -60px; z-index: 100; background: var(--gold); color: var(--navy); padding: 10px 16px; font-weight: 700; border-radius: 4px; }
.skip:focus { top: 12px; }

/* ---------- Type ---------- */
.eyebrow { font: 700 12px/1.3 var(--sans); letter-spacing: .16em; text-transform: uppercase; color: var(--cyan-ink); }
.display { font: 400 clamp(36px, 4.4vw, 52px)/1.08 var(--serif); color: var(--navy); letter-spacing: -.01em; }
.script { font: italic 400 clamp(18px, 1.6vw, 22px)/1.35 var(--script); color: var(--cyan-ink); }
.lede { font-size: clamp(16px, 1.4vw, 19px); line-height: 1.55; color: var(--ink-muted); }
.sec-head { display: flex; align-items: flex-end; justify-content: space-between; gap: 24px; flex-wrap: wrap; margin-bottom: 32px; }
.sec-head .script { margin-top: 6px; }

/* ---------- Buttons & links ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  min-height: 52px; padding: 0 28px; border-radius: 4px; border: 1.5px solid transparent;
  font: 700 16px/1 var(--sans); white-space: nowrap; cursor: pointer;
  transition: background-color .2s var(--ease), color .2s var(--ease), border-color .2s var(--ease), transform .2s var(--ease), box-shadow .2s var(--ease);
}
.btn .arrow { width: 18px; height: 18px; transition: transform .25s var(--ease); }
.btn:hover { transform: translateY(-2px); }
.btn:hover .arrow { transform: translateX(4px); }
.btn:active { transform: translateY(0); }
.btn-gold { background: var(--gold); color: var(--navy); }
.btn-gold:hover { background: var(--gold-2); box-shadow: 0 10px 24px -8px rgba(242, 177, 0, .65); }
.btn-navy { background: var(--navy); color: var(--white); }
.btn-navy .arrow { color: var(--gold); }
.btn-navy:hover { background: var(--navy-2); box-shadow: 0 10px 24px -10px rgba(0, 41, 72, .7); }
.btn-outline { border-color: var(--navy); color: var(--navy); background: transparent; }
.btn-outline:hover { background: var(--navy); color: var(--white); }
.btn-ghost { border-color: rgba(249, 252, 254, .55); color: var(--white); }
.btn-ghost:hover { background: var(--white); color: var(--navy); border-color: var(--white); }
.btn-sm { min-height: 36px; padding: 0 14px; font-size: 14px; gap: 8px; }
.btn-sm .arrow { width: 15px; height: 15px; }
.btn-block { width: 100%; }
.btn-nav { min-height: 48px; padding: 0 20px; font-size: 14px; border-radius: 6px; }

.link-arrow { display: inline-flex; align-items: center; gap: 8px; font-weight: 700; font-size: 15px; color: var(--navy); white-space: nowrap; }
.link-arrow .arrow { width: 17px; height: 17px; transition: transform .25s var(--ease); }
.link-arrow:hover { color: var(--cyan-ink); }
.link-arrow:hover .arrow { transform: translateX(4px); }
.link-plain { font-weight: 600; font-size: 14px; color: var(--navy); background: linear-gradient(currentColor, currentColor) 0 100% / 0 1.5px no-repeat; transition: background-size .25s var(--ease); }
.link-plain:hover { background-size: 100% 1.5px; }

.badge { display: inline-flex; align-items: center; padding: 3px 8px; border-radius: 999px; font: 700 11px/1.3 var(--sans); letter-spacing: .02em; white-space: nowrap; vertical-align: middle; }
.badge-gold { background: var(--gold); color: var(--navy); }
.badge-cyan { background: #d9f3fb; color: var(--navy); }
.chip { display: inline-block; padding: 4px 8px; border-radius: 3px; background: var(--surface-alt); color: var(--navy); font: 700 11px/1.2 var(--sans); letter-spacing: .14em; text-transform: uppercase; }
.chip-gold { background: var(--gold); }

.icon-btn { display: inline-grid; place-items: center; width: 44px; height: 44px; border: 0; border-radius: 50%; background: transparent; color: var(--navy); cursor: pointer; transition: background-color .2s, color .2s; }
.icon-btn:hover { background: var(--surface-alt); }

/* ---------- Header ---------- */
.announce { position: relative; z-index: 61; background: var(--navy); color: var(--surface); font: 600 14px/1.35 var(--sans); text-align: center; padding: 10px 0; transition: background-color .25s, color .25s; }
.site-header { position: sticky; top: 0; z-index: 60; overflow-x: clip; background: var(--surface); border-bottom: 1px solid var(--line); transition: background-color .25s, border-color .25s, box-shadow .25s; }
.site-header.scrolled { box-shadow: 0 6px 24px -14px rgba(0, 27, 49, .45); }
.nav-bar { display: flex; align-items: center; justify-content: space-between; gap: 24px; height: var(--header-h); }
.logo { position: relative; flex-shrink: 0; display: block; transition: opacity .2s; }
.logo:hover { opacity: .85; }
.logo img { width: 208px; height: auto; }
.logo .logo-light { position: absolute; inset: 0; opacity: 0; transition: opacity .25s; }
.main-nav { height: 100%; margin-left: auto; }
.main-nav > ul { display: flex; gap: 20px; height: 100%; }
.nav-item { display: flex; }
.nav-trigger { position: relative; display: flex; align-items: center; gap: 4px; height: 100%; padding: 0; border: 0; background: none; cursor: pointer; font: 700 14px/1 var(--sans); color: var(--navy); white-space: nowrap; transition: color .2s; }
.nav-trigger .chev { width: 14px; height: 14px; transition: transform .25s var(--ease); }
.nav-trigger::after { content: ""; position: absolute; left: 0; right: 0; bottom: -1px; height: 3px; background: var(--gold); transform: scaleX(0); transform-origin: left; transition: transform .25s var(--ease); }
.nav-trigger:hover::after, .nav-item.open .nav-trigger::after { transform: scaleX(1); }
.nav-item.open .nav-trigger .chev { transform: rotate(180deg); }
.nav-actions { display: flex; align-items: center; gap: 10px; }
.burger { display: none; }

/* shared mega panel motion */
.mega { position: absolute; z-index: 2; visibility: hidden; opacity: 0; transform: translateY(-8px); transition: opacity .22s var(--ease), transform .22s var(--ease), visibility 0s linear .22s; }
.nav-item.open .mega { visibility: visible; opacity: 1; transform: none; transition-delay: 0s; }

.scrim { position: fixed; inset: 0; z-index: 55; background: rgba(0, 27, 49, .55); opacity: 0; pointer-events: none; transition: opacity .25s var(--ease); }
.scrim.show { opacity: 1; pointer-events: auto; }
body.drawer-open .scrim { z-index: 75; }

/* search */
.search-panel { position: fixed; left: 0; right: 0; top: 0; z-index: 90; background: var(--surface); box-shadow: 0 20px 40px -20px rgba(0, 27, 49, .5); transform: translateY(-100%); transition: transform .3s var(--ease); }
.search-panel.open { transform: none; }
.search-panel form { display: flex; align-items: center; gap: 14px; height: 96px; color: var(--navy); }
.search-panel input { flex: 1; border: 0; background: transparent; font: 400 clamp(20px, 2.4vw, 28px) var(--serif); color: var(--navy); outline: none; min-width: 0; }

/* drawer (mobile nav) */
.drawer { position: fixed; top: 0; right: 0; bottom: 0; z-index: 80; width: min(420px, 100%); display: flex; flex-direction: column; background: var(--surface); transform: translateX(100%); visibility: hidden; transition: transform .32s var(--ease), visibility 0s .32s; }
.drawer.open { transform: none; visibility: visible; transition-delay: 0s; }
.drawer-head { display: flex; align-items: center; justify-content: space-between; padding: 16px 20px; border-bottom: 1px solid var(--line); }
.drawer-head img { width: 140px; }
.drawer-search { padding: 16px 20px 4px; }
.drawer-search label { display: flex; align-items: center; gap: 10px; padding: 0 14px; height: 48px; border: 1px solid var(--line); border-radius: 6px; background: var(--white); color: var(--ink-muted); }
.drawer-search input { border: 0; outline: 0; flex: 1; font: 400 16px var(--sans); background: transparent; min-width: 0; }
.drawer-body { flex: 1; overflow-y: auto; padding: 8px 20px; overscroll-behavior: contain; }
.drawer-sec { border-bottom: 1px solid var(--line); }
.drawer-sec summary { display: flex; align-items: center; justify-content: space-between; padding: 18px 0; font: 700 18px var(--sans); color: var(--navy); cursor: pointer; list-style: none; }
.drawer-sec summary::-webkit-details-marker { display: none; }
.drawer-sec summary .chev { transition: transform .25s var(--ease); }
.drawer-sec[open] summary .chev { transform: rotate(180deg); }
.drawer-sec ul { padding-bottom: 14px; }
.drawer-sec li a { display: flex; align-items: center; gap: 12px; padding: 10px 8px; border-radius: 6px; font-weight: 600; color: var(--ink); transition: background-color .2s, color .2s; }
.drawer-sec li a .i { color: var(--cyan-ink); width: 18px; height: 18px; }
.drawer-sec li a:hover { background: var(--surface-alt); color: var(--navy); }
.drawer-sec .drawer-all { color: var(--navy); font-weight: 700; }
.drawer-sec .drawer-all .arrow { width: 16px; color: var(--navy); }
.drawer-foot { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; padding: 16px 20px 24px; border-top: 1px solid var(--line); }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy-deep); color: rgba(249, 252, 254, .82); font-size: 15px; padding: 72px 0 40px; }
.foot-logo { width: 150px; }
.foot-tag { margin-top: 18px; line-height: 1.5; color: rgba(249, 252, 254, .78); }
.foot-h { font: 700 12px/1.3 var(--sans); letter-spacing: .16em; text-transform: uppercase; color: var(--cyan); margin-bottom: 18px; }
.foot-links { display: grid; gap: 18px; }
.foot-links a, .card-table a, .band-card a { transition: color .2s; }
.foot-links a { background: linear-gradient(currentColor, currentColor) 0 100% / 0 1px no-repeat; transition: color .2s, background-size .25s var(--ease); }
.foot-links a:hover { color: var(--white); background-size: 100% 1px; }
.socials { display: flex; gap: 12px; }
.social { display: grid; place-items: center; width: 48px; height: 48px; border: 1px solid rgba(249, 252, 254, .3); border-radius: 50%; color: var(--white); transition: background-color .2s, border-color .2s, color .2s, transform .2s; }
.social:hover { background: var(--gold); border-color: var(--gold); color: var(--navy); transform: translateY(-2px); }
.copy { display: inline-flex; align-items: center; gap: 8px; padding: 0; border: 0; background: none; cursor: pointer; font: 700 18px var(--sans); color: var(--white); }
.copy .i { width: 16px; height: 16px; color: var(--cyan); transition: transform .2s; }
.copy:hover .i { transform: scale(1.15); }
.copy.copied .i { color: var(--gold); }
.foot-es { display: block; font-style: italic; color: rgba(249, 252, 254, .7); }
.foot-legal { display: flex; align-items: center; justify-content: space-between; gap: 32px; margin-top: 56px; padding-top: 32px; border-top: 1px solid rgba(249, 252, 254, .14); }
.foot-copy { font-weight: 700; font-size: 13px; color: var(--white); }
.foot-copy span { margin: 0 4px; opacity: .6; }
.foot-fine { margin-top: 10px; max-width: 920px; font-size: 12px; line-height: 1.55; color: rgba(249, 252, 254, .55); }
.foot-badges { display: flex; align-items: center; gap: 16px; flex-shrink: 0; }
.foot-badges img { height: 40px; width: auto; }

/* stack footer (A, C) */
.stack-grid { display: grid; grid-template-columns: 300px minmax(0, 380px) 1fr 1fr; gap: 56px; }
.stack-brand .foot-h { margin-top: 40px; }
.foot-box { margin-top: 16px; padding: 18px 16px; border-radius: var(--radius); background: rgba(249, 252, 254, .06); color: var(--white); }
.stack-brand .socials + .foot-box { margin-top: 32px; }
.foot-box small { display: block; margin-bottom: 6px; font-size: 13px; color: rgba(249, 252, 254, .65); }
.phone-card { display: flex; align-items: center; gap: 14px; margin-bottom: 10px; padding: 0 16px; height: 56px; border: 1px solid rgba(249, 252, 254, .14); border-radius: var(--radius); background: rgba(249, 252, 254, .05); transition: border-color .2s, background-color .2s; }
.phone-card .i { color: var(--cyan); }
.phone-card strong { font-size: 17px; color: var(--white); }
.phone-card small { margin-left: auto; font-size: 13px; color: rgba(249, 252, 254, .65); }
.phone-card:hover { border-color: var(--cyan); background: rgba(77, 208, 240, .08); }
.stack-contact .foot-es { margin: 8px 0 36px; }
.card-table { border: 1px solid rgba(249, 252, 254, .14); border-radius: var(--radius); }
.card-table li { display: flex; justify-content: space-between; gap: 12px; padding: 14px 16px; }
.card-table li + li { border-top: 1px solid rgba(249, 252, 254, .1); }
.card-table a { font-weight: 700; color: var(--white); }
.card-table a:hover, .band-card a:hover { color: var(--gold); }

/* band footer (B) */
.band-top { display: flex; align-items: center; gap: 28px 40px; flex-wrap: wrap; padding-bottom: 32px; border-bottom: 1px solid rgba(249, 252, 254, .14); }
.band-top .foot-tag { margin: 0; }
.band-facts { display: flex; gap: 40px; margin-left: auto; }
.band-facts small { display: block; font-size: 13px; color: rgba(249, 252, 254, .65); margin-bottom: 4px; }
.band-facts span { color: var(--white); }
.band-cols { display: grid; grid-template-columns: 1fr 1.15fr 1.3fr 1.1fr; gap: 40px; padding-top: 36px; }
.band-phone { display: flex; align-items: baseline; gap: 10px; margin-bottom: 14px; }
.band-phone .i { width: 18px; color: var(--cyan); align-self: center; }
.band-phone strong { font-size: 17px; color: var(--white); transition: color .2s; }
.band-phone small { color: rgba(249, 252, 254, .65); }
.band-phone:hover strong { color: var(--gold); }
.band-card { display: grid; gap: 14px; }
.band-card li { display: flex; justify-content: space-between; gap: 16px; }
.band-card a { font-weight: 700; color: var(--white); }
.foot-links.two { grid-template-columns: repeat(2, max-content); column-gap: 36px; row-gap: 14px; }
.footer-band .foot-legal { margin-top: 40px; }

/* ---------- Responsive: header ---------- */
@media (max-width: 1180px) {
  :root { --header-h: 80px; }
  .main-nav { display: none; }
  .burger { display: inline-grid; }
  .logo img { width: 170px; }
  .nav-actions { margin-left: auto; }
  .scrim.show.for-menu { opacity: 0; pointer-events: none; }
}
@media (max-width: 640px) {
  :root { --header-h: 68px; }
  .announce { font-size: 13px; padding: 8px 0; }
  .logo img { width: 132px; }
  .hide-sm, .search-btn { display: none !important; }
  .nav-actions { gap: 6px; }
  .btn-nav { min-height: 40px; padding: 0 14px; font-size: 14px; }
  .btn { min-height: 50px; padding: 0 22px; }
}

/* ---------- Responsive: footer ---------- */
@media (max-width: 1100px) {
  .stack-grid { grid-template-columns: 1fr 1fr; gap: 48px 40px; }
  .band-cols { grid-template-columns: 1fr 1fr; }
  .band-facts { margin-left: 0; }
}
@media (max-width: 720px) {
  .site-footer { padding-top: 56px; }
  .stack-grid, .band-cols { grid-template-columns: 1fr; gap: 40px; }
  .foot-legal { flex-direction: column; align-items: flex-start; }
  .band-facts { flex-direction: column; gap: 18px; }
  .foot-links { grid-template-columns: repeat(2, minmax(0, 1fr)); column-gap: 24px; }
  .foot-links.two { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}