:root {
  /* BASE SITE COLOR — PERSISTS BEHIND THE ENTIRE PAGE */
  --base: #003b5c;
  --base-dark: #00283f;
  --white: #ffffff;
  --text: #1f2430;
  --muted: #5b6472;
  --border: #e2e5ea;
}

* {
  box-sizing: border-box;
}

body {
  margin: 0;
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  background: var(--base);
  color: var(--text);
}

a {
  font-family: inherit;
}

/* ---------- SHARED PHOTO-PLACEHOLDER PATTERN ---------- */
/* Pure CSS, no JS: each slot shows a striped placeholder via background-color + a repeating-gradient.
   The real photo (set as background-image on .photo-link below) simply paints over it once the file exists —
   a missing background-image silently fails and the pattern underneath keeps showing, no detection needed. */

.photo-slot {
  position: relative;
  overflow: hidden;
  background-color: var(--base-dark);
  background-image: repeating-linear-gradient(
    45deg,
    rgba(255, 255, 255, 0.04),
    rgba(255, 255, 255, 0.04) 12px,
    rgba(255, 255, 255, 0.09) 12px,
    rgba(255, 255, 255, 0.09) 24px
  );
}

.photo-slot .photo-link {
  position: absolute;
  inset: 0;
  display: block;
  background-repeat: no-repeat;
  background-position: center;
  background-size: cover;
}

/* ---------- TOP RIBBON ---------- */

.top-ribbon {
  background: var(--base-dark);
  display: flex;
  justify-content: flex-end;
  gap: 28px;
  padding: 12px 40px;
}

.top-ribbon a {
  color: var(--white);
  text-decoration: none;
  font-weight: 600;
  font-size: 12px;
  letter-spacing: 0.04em;
  opacity: 0.9;
}

.top-ribbon a:hover {
  opacity: 1;
  text-decoration: underline;
}

/* ---------- HEADER ---------- */

.site-header {
  display: flex;
  align-items: center;
  width: 100%;
  padding: 20px 40px;
  gap: 24px;
}

.logo-slot {
  flex: 0 0 25%;
  max-width: 25%;
  height: 48px;
  background: transparent;
  display: flex;
  align-items: center;
}

.logo-slot .photo-link {
  position: static;
  display: block;
  width: 100%;
  height: 100%;
  background-image: url("assets/logo.png");
  background-repeat: no-repeat;
  background-position: left center;
  background-size: contain;
}

.main-nav {
  flex: 1;
  display: flex;
  flex-wrap: wrap;
  justify-content: flex-end;
  gap: 4px;
}

.nav-item {
  position: relative;
}

.nav-item > a {
  display: block;
  color: var(--white);
  text-decoration: none;
  font-weight: 600;
  font-size: 14px;
  letter-spacing: 0.02em;
  white-space: nowrap;
  padding: 10px 14px;
  border-radius: 6px;
  transition: background-color 0.15s ease;
}

.nav-item > a:hover,
.nav-item:hover > a {
  background: var(--base-dark);
}

.dropdown {
  display: none;
  position: absolute;
  top: 100%;
  left: 0;
  min-width: 210px;
  background: var(--base-dark);
  padding: 10px 0;
  border-radius: 0 0 8px 8px;
  box-shadow: 0 12px 24px rgba(0, 0, 0, 0.3);
  z-index: 30;
}

.nav-item:hover .dropdown {
  display: block;
}

.dropdown a {
  display: block;
  color: var(--white);
  text-decoration: none;
  font-weight: 500;
  font-size: 13px;
  padding: 9px 18px;
  white-space: nowrap;
}

.dropdown a:hover {
  background: rgba(255, 255, 255, 0.08);
}

/* ---------- FDIC BAR ---------- */

.fdic-bar {
  background: var(--border);
  color: #000;
  font-style: italic;
  font-size: 12px;
  text-align: center;
  padding: 6px 20px;
}

/* ---------- HERO ---------- */

.hero {
  position: relative;
  overflow: hidden;
  background: var(--white);
  color: var(--base);
  display: flex;
  align-items: center;
  min-height: 460px;
  padding: 64px 48px;
  border-bottom: 3px solid var(--border);
  box-shadow: 0 3px 8px rgba(0, 0, 0, 0.15);
}

.hero-text {
  position: relative;
  z-index: 1;
  flex: 1 1 320px;
  max-width: 480px;
  padding-right: 40px;
}

.hero-text h1 {
  font-size: 42px;
  margin: 0 0 28px;
  color: var(--base);
}

.hero-buttons {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
}

/* Positioned to bleed to the top/bottom/right edges of .hero, ignoring its padding, with square corners */
.hero-photo {
  position: absolute;
  top: 0;
  right: 0;
  bottom: 0;
  width: 48%;
  min-width: 320px;
}

.hero-photo .photo-link {
  background-image: url("assets/hero.jpg");
}

/* ---------- BUTTONS ---------- */

.btn-primary {
  display: inline-block;
  background: var(--base);
  color: var(--white);
  text-decoration: none;
  font-weight: 600;
  font-size: 15px;
  padding: 14px 28px;
  border-radius: 999px;
  transition: background-color 0.15s ease;
}

.btn-primary:hover {
  background: var(--base-dark);
}

.btn-outline {
  display: inline-block;
  background: transparent;
  color: var(--base);
  text-decoration: none;
  font-weight: 600;
  font-size: 14px;
  padding: 10px 22px;
  border: 2px solid var(--base);
  border-radius: 999px;
  transition: background-color 0.15s ease, color 0.15s ease;
}

.btn-outline:hover {
  background: var(--base);
  color: var(--white);
}

.btn-transparent {
  display: inline-block;
  background: transparent;
  color: var(--white);
  text-decoration: none;
  font-weight: 600;
  font-size: 15px;
  padding: 12px 28px;
  border: 2px solid var(--white);
  border-radius: 999px;
  transition: background-color 0.15s ease;
}

.btn-transparent:hover {
  background: rgba(255, 255, 255, 0.15);
}

/* ---------- BANKING TYPES ---------- */

.types-section {
  position: relative;
  overflow: hidden;
  background-color: var(--base-dark);
  background-image:
    repeating-linear-gradient(
      45deg,
      rgba(255, 255, 255, 0.04),
      rgba(255, 255, 255, 0.04) 12px,
      rgba(255, 255, 255, 0.09) 12px,
      rgba(255, 255, 255, 0.09) 24px
    ),
    url("assets/banner-1.jpg");
  background-repeat: repeat, no-repeat;
  background-position: center, center;
  background-size: auto, cover;
  padding: 56px 0 72px;
  border-bottom: 3px solid var(--border);
  box-shadow: 0 3px 8px rgba(0, 0, 0, 0.15);
}

.types-section::before {
  content: "";
  position: absolute;
  inset: 0;
  background: rgba(0, 0, 0, 0.3);
}

.types-grid {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
  max-width: 1120px;
  margin: 0 auto;
  padding: 0 40px;
}

.type-card {
  background: var(--white);
  border-radius: 12px;
  padding: 28px 22px 32px;
  box-shadow: 0 12px 28px rgba(0, 0, 0, 0.25);
  text-align: center;
}

.type-card h2 {
  color: var(--base);
  font-size: 22px;
  margin: 0 0 14px;
}

.type-card p {
  color: var(--muted);
  line-height: 1.6;
  font-size: 14px;
  margin: 0 0 20px;
}

/* ---------- PHOTO BANNERS ---------- */

.banner {
  min-height: 420px;
  display: flex;
  align-items: center;
  padding: 48px;
  border-bottom: 3px solid var(--border);
  box-shadow: 0 3px 8px rgba(0, 0, 0, 0.15);
}

.banner::before {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, rgba(0, 0, 0, 0.15), rgba(0, 0, 0, 0.5));
}

.banner-overlay {
  position: relative;
  z-index: 1;
  max-width: 640px;
  width: 100%;
  color: var(--white);
  text-align: center;
  margin: 0 auto;
}

.banner-2 {
  justify-content: flex-start;
}

.banner-2 .photo-link {
  background-image: url("assets/banner-2.jpg");
}

.banner-overlay-left {
  text-align: left;
  margin: 0;
}

.banner-heading-large {
  font-size: 42px;
  font-weight: 700;
  margin: 0 0 28px;
}

.banner-heading-medium {
  font-size: 28px;
  font-weight: 700;
  margin: 0 0 24px;
}

/* ---------- QUESTIONS / CONTACT ---------- */

.questions {
  background: var(--base);
  color: var(--white);
  padding: 72px 48px;
  text-align: center;
}

.questions h2 {
  font-size: 36px;
  margin: 0 0 48px;
}

.questions-columns {
  display: flex;
  justify-content: center;
  gap: 96px;
  flex-wrap: wrap;
  text-align: left;
  max-width: 720px;
  margin: 0 auto;
}

.questions-col h3 {
  font-size: 18px;
  margin: 0 0 16px;
}

.questions-col p {
  margin: 0 0 8px;
  color: rgba(255, 255, 255, 0.85);
  font-size: 14px;
}

.social-icons {
  display: flex;
  gap: 12px;
}

.social-icons a {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  border: 2px solid var(--white);
  color: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  text-decoration: none;
  transition: background-color 0.15s ease, color 0.15s ease;
}

.social-icons a svg {
  display: block;
}

.social-icons a:hover {
  background: var(--white);
  color: var(--base);
}

/* ---------- RESPONSIVE ---------- */

@media (max-width: 900px) {
  .types-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 720px) {
  .top-ribbon {
    padding: 10px 20px;
    gap: 16px;
  }

  .site-header {
    flex-wrap: wrap;
    padding: 16px 20px;
  }

  .logo-slot {
    flex: 0 0 100%;
    max-width: 100%;
  }

  .main-nav {
    justify-content: flex-start;
    gap: 4px;
  }

  .types-grid {
    grid-template-columns: 1fr;
    max-width: 420px;
  }

  .hero {
    flex-direction: column;
    align-items: stretch;
    min-height: 0;
    padding: 0 0 32px;
  }

  .hero-text {
    max-width: none;
    padding: 32px 24px 0;
  }

  .hero-photo {
    position: static;
    width: 100%;
    height: 260px;
    margin-top: 32px;
  }

  .banner {
    padding: 32px 24px;
  }

  .banner-heading-large {
    font-size: 30px;
  }

  .banner-heading-medium {
    font-size: 22px;
  }

  .questions {
    padding: 48px 24px;
  }

  .questions-columns {
    gap: 40px;
  }
}