/* ===========================================================
   ALBION BANK GROUP — design system
   Palette: deep navy ledger + brass hairline (heritage British bank)
   Type: Fraunces (display) / IBM Plex Sans (body) / IBM Plex Mono (data)
=========================================================== */

:root{
  --ink:        #0B1E33;
  --navy:       #163656;
  --navy-light: #2C5478;
  --navy-pale:  #E8EEF3;
  --parchment:  #F6F2E9;
  --paper:      #FFFDF8;
  --brass:      #A9782F;
  --brass-light:#D4AF6A;
  --slate:      #57667A;
  --slate-light:#8697A8;
  --success:    #2F6F4E;
  --white:      #FFFFFF;
  --line:       rgba(11,30,51,0.12);

  --font-display: "Fraunces", Georgia, serif;
  --font-body: "IBM Plex Sans", -apple-system, Segoe UI, Roboto, sans-serif;
  --font-mono: "IBM Plex Mono", "Courier New", monospace;

  --radius: 2px;
  --container: 1180px;
}

*,*::before,*::after{ box-sizing:border-box; }
html{ scroll-behavior:smooth; }
body{
  margin:0;
  font-family:var(--font-body);
  color:var(--ink);
  background:var(--parchment);
  line-height:1.55;
  -webkit-font-smoothing:antialiased;
}
img{ max-width:100%; display:block; }
a{ color:inherit; }
h1,h2,h3,h4{
  font-family:var(--font-display);
  line-height:1.12;
  margin:0 0 0.5em;
  font-weight:600;
  letter-spacing:-0.01em;
}
p{ margin:0 0 1em; color:var(--slate); }
.container{
  max-width:var(--container);
  margin:0 auto;
  padding:0 24px;
}
.eyebrow{
  font-family:var(--font-mono);
  font-size:12.5px;
  letter-spacing:0.14em;
  text-transform:uppercase;
  color:var(--brass);
  display:flex;
  align-items:center;
  gap:10px;
  margin-bottom:14px;
}
.eyebrow::before{
  content:"";
  width:22px; height:1px;
  background:var(--brass);
  display:inline-block;
}

/* Focus visibility */
a:focus-visible, button:focus-visible, input:focus-visible, textarea:focus-visible, select:focus-visible{
  outline:2px solid var(--brass);
  outline-offset:3px;
}

@media (prefers-reduced-motion: reduce){
  *{ animation-duration:0.001ms !important; transition-duration:0.001ms !important; scroll-behavior:auto !important; }
}

/* ---------- The Ledger Rule (signature motif) ---------- */
.ledger-rule{
  border:none;
  height:6px;
  background-image:
    linear-gradient(var(--brass), var(--brass)),
    linear-gradient(var(--ink), var(--ink));
  background-size:100% 2px, 100% 1px;
  background-position:top, bottom;
  background-repeat:no-repeat;
  margin:0;
  opacity:0.9;
}
.ledger-divider{
  width:100%;
  height:6px;
  position:relative;
  margin:0 0 0;
}
.ledger-divider::before,
.ledger-divider::after{
  content:"";
  position:absolute; left:0; right:0;
}
.ledger-divider::before{ top:0; height:2px; background:var(--brass); }
.ledger-divider::after{ bottom:0; height:1px; background:var(--ink); opacity:0.35; }

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  gap:8px;
  font-family:var(--font-body);
  font-weight:600;
  font-size:15px;
  padding:13px 26px;
  border-radius:var(--radius);
  border:1px solid transparent;
  cursor:pointer;
  text-decoration:none;
  transition:background 0.15s ease, color 0.15s ease, border-color 0.15s ease;
  white-space:nowrap;
}
.btn-primary{
  background:var(--brass);
  color:var(--ink);
}
.btn-primary:hover{ background:var(--brass-light); }
.btn-dark{
  background:var(--ink);
  color:var(--paper);
}
.btn-dark:hover{ background:var(--navy); }
.btn-ghost{
  background:transparent;
  color:var(--ink);
  border-color:var(--ink);
}
.btn-ghost:hover{ background:var(--ink); color:var(--paper); }
.btn-ghost-light{
  background:transparent;
  color:var(--paper);
  border-color:rgba(255,255,255,0.5);
}
.btn-ghost-light:hover{ background:rgba(255,255,255,0.12); border-color:var(--paper); }
.btn-block{ width:100%; }
.btn-sm{ padding:9px 18px; font-size:13.5px; }

/* ---------- Top utility bar ---------- */
.top-bar{
  background:var(--ink);
  color:rgba(255,255,255,0.75);
  font-size:13px;
}
.top-bar .container{
  display:flex;
  justify-content:space-between;
  align-items:center;
  height:38px;
}
.top-bar-links{ display:flex; gap:22px; list-style:none; margin:0; padding:0; }
.top-bar-links a{ text-decoration:none; color:inherit; }
.top-bar-links a:hover{ color:var(--brass-light); }
.top-bar-links li{ display:flex; align-items:center; gap:6px; }

/* ---------- Header / nav ---------- */
.site-header{
  background:var(--paper);
  position:sticky; top:0; z-index:50;
  border-bottom:1px solid var(--line);
}
.nav-bar{
  display:flex;
  align-items:center;
  justify-content:space-between;
  height:76px;
}
.brand{
  display:flex;
  align-items:center;
  gap:12px;
  text-decoration:none;
  color:var(--ink);
}
.brand svg{ height:34px; width:auto; }
.brand-name{
  font-family:var(--font-display);
  font-weight:600;
  font-size:19px;
  letter-spacing:-0.01em;
  line-height:1.1;
}
.brand-name small{
  display:block;
  font-family:var(--font-mono);
  font-size:10px;
  letter-spacing:0.16em;
  color:var(--brass);
  font-weight:500;
  margin-top:2px;
}
.main-nav ul{
  display:flex;
  gap:30px;
  list-style:none;
  margin:0; padding:0;
}
.main-nav a{
  text-decoration:none;
  font-size:15px;
  font-weight:500;
  color:var(--ink);
  padding:6px 0;
  border-bottom:2px solid transparent;
}
.main-nav a:hover, .main-nav a.active{
  border-bottom-color:var(--brass);
}
.nav-actions{ display:flex; align-items:center; gap:12px; }
.nav-toggle{
  display:none;
  background:none; border:none; cursor:pointer;
  width:40px; height:40px;
  align-items:center; justify-content:center;
}
.nav-toggle span, .nav-toggle::before, .nav-toggle::after{
  content:"";
  display:block;
  width:22px; height:2px;
  background:var(--ink);
  position:relative;
}
.nav-toggle::before{ position:absolute; transform:translateY(-7px); }
.nav-toggle::after{ position:absolute; transform:translateY(7px); }

@media (max-width:900px){
  .main-nav{
    display:none;
    position:absolute; top:70px; left:0; right:0;
    background:var(--paper);
    border-bottom:1px solid var(--line);
    padding:8px 20px 20px;
    max-height:calc(100vh - 70px);
    overflow-y:auto;
  }
  .main-nav.open{ display:block; }
  .main-nav ul{ flex-direction:column; gap:2px; }
  .main-nav a{ display:block; padding:14px 4px; font-size:16px; }
  .nav-toggle{ display:flex; }
  .top-bar-links{ gap:14px; }
  .top-bar-links span{ display:none; }
  .nav-bar{ height:70px; }
  .brand-name{ font-size:16px; }
  .brand svg{ height:28px; }
  .nav-actions .btn-ghost{ display:none; }
}

@media (max-width:640px){
  .top-bar .container{ height:auto; padding-top:8px; padding-bottom:8px; flex-wrap:wrap; gap:6px 0; row-gap:4px; }
  .top-bar-links:first-child{ order:1; flex:1 1 auto; }
  .top-bar-links:first-child li:not(:first-child){ display:none; }
  .top-bar-links:last-of-type{ order:2; }
  .container{ padding:0 18px; }
  .nav-actions .btn-primary{ padding:10px 16px; font-size:13.5px; }
  .nav-actions{ gap:8px; }
}

/* ---------- Hero ---------- */
.hero{
  background:var(--ink);
  color:var(--paper);
  position:relative;
  overflow:hidden;
}
.hero::after{
  content:"";
  position:absolute; inset:0;
  background:
    radial-gradient(560px 380px at 82% 20%, rgba(169,120,47,0.22), transparent 70%),
    linear-gradient(180deg, transparent 60%, rgba(0,0,0,0.25));
  pointer-events:none;
}
.hero-grid{
  display:grid;
  grid-template-columns:1.15fr 0.85fr;
  gap:60px;
  align-items:center;
  padding:88px 0 76px;
  position:relative;
  z-index:1;
}
.hero h1{ color:var(--paper); font-size:clamp(34px,4.6vw,58px); }
.hero-lede{ color:rgba(255,255,255,0.72); font-size:18px; max-width:46ch; }
.hero-actions{ display:flex; gap:14px; margin-top:28px; flex-wrap:wrap; }
.hero-page{ padding:56px 0 64px; }
.hero-page h1{ font-size:clamp(30px,4vw,46px); }

@media (max-width:860px){
  .hero-grid{ grid-template-columns:1fr; padding:56px 0 48px; }
}

/* ---------- Ledger rate card (signature) ---------- */
.ledger-card{
  background:var(--paper);
  color:var(--ink);
  border-radius:var(--radius);
  overflow:hidden;
  box-shadow:0 30px 60px -25px rgba(0,0,0,0.45);
}
.ledger-card-head{
  padding:20px 24px 16px;
  border-bottom:1px solid var(--line);
}
.ledger-card-head .eyebrow{ margin-bottom:6px; }
.ledger-row{
  display:flex;
  justify-content:space-between;
  align-items:baseline;
  padding:16px 24px;
  border-bottom:1px solid var(--line);
}
.ledger-row:last-child{ border-bottom:none; }
.ledger-row-label{ font-size:14.5px; color:var(--slate); }
.ledger-row-value{
  font-family:var(--font-mono);
  font-size:20px;
  font-weight:600;
  color:var(--ink);
}
.ledger-row-value small{ font-size:12px; color:var(--slate-light); font-weight:400; margin-left:4px; }
.ledger-card-foot{ padding:16px 24px 22px; }

/* ---------- Sections ---------- */
.section{ padding:76px 0; }
.section-tight{ padding:52px 0; }
.section-alt{ background:var(--navy-pale); }
.section-dark{ background:var(--ink); color:var(--paper); }
.section-dark p{ color:rgba(255,255,255,0.7); }
.section-dark h2{ color:var(--paper); }
.section-head{ max-width:640px; margin-bottom:44px; }
.section-head.center{ margin-left:auto; margin-right:auto; text-align:center; }

/* ---------- Stat strip ---------- */
.stat-strip{
  display:grid;
  grid-template-columns:repeat(4,1fr);
  border-top:1px solid var(--line);
  border-bottom:1px solid var(--line);
}
.stat{
  padding:26px 24px;
  border-left:1px solid var(--line);
}
.stat:first-child{ border-left:none; }
.stat-num{
  font-family:var(--font-mono);
  font-size:28px;
  font-weight:600;
  color:var(--navy);
}
.stat-label{ font-size:13px; color:var(--slate); margin-top:4px; }
@media (max-width:760px){
  .stat-strip{ grid-template-columns:repeat(2,1fr); }
  .stat:nth-child(3){ border-left:none; }
}

/* ---------- Card grids ---------- */
.card-grid{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:28px;
}
.card-grid.cols-2{ grid-template-columns:repeat(2,1fr); }
.card-grid.cols-4{ grid-template-columns:repeat(4,1fr); }
@media (max-width:960px){
  .card-grid, .card-grid.cols-4{ grid-template-columns:repeat(2,1fr); }
}
@media (max-width:620px){
  .card-grid, .card-grid.cols-2, .card-grid.cols-4{ grid-template-columns:1fr; }
}

.card{
  background:var(--paper);
  border:1px solid var(--line);
  border-radius:var(--radius);
  padding:30px 26px;
  display:flex;
  flex-direction:column;
  gap:12px;
}
.card-icon{
  width:44px; height:44px;
  color:var(--brass);
  margin-bottom:6px;
}
.card h3{ font-size:19px; margin-bottom:4px; }
.card p{ font-size:14.5px; margin-bottom:0; flex:1; }
.card-link{
  margin-top:14px;
  font-size:14px;
  font-weight:600;
  text-decoration:none;
  color:var(--ink);
  display:inline-flex;
  align-items:center;
  gap:6px;
  border-bottom:1px solid var(--brass);
  width:fit-content;
  padding-bottom:2px;
}

/* Rate / product cards */
.rate-card{
  background:var(--paper);
  border:1px solid var(--line);
  border-radius:var(--radius);
}
.rate-card-top{ padding:24px 24px 18px; }
.rate-card-top .tag{
  display:inline-block;
  font-family:var(--font-mono);
  font-size:11px;
  letter-spacing:0.08em;
  text-transform:uppercase;
  color:var(--success);
  background:rgba(47,111,78,0.1);
  padding:4px 9px;
  border-radius:2px;
  margin-bottom:12px;
}
.rate-figure{
  font-family:var(--font-mono);
  font-size:38px;
  font-weight:600;
  color:var(--ink);
  line-height:1;
}
.rate-figure sup{ font-size:16px; color:var(--slate); }
.rate-card ul{ list-style:none; margin:0; padding:18px 24px; border-top:1px solid var(--line); }
.rate-card ul li{
  font-size:14px; color:var(--slate);
  padding:6px 0 6px 20px;
  position:relative;
}
.rate-card ul li::before{
  content:"—";
  position:absolute; left:0; color:var(--brass);
}
.rate-card-foot{ padding:18px 24px 24px; }

/* ---------- Numbered steps (only for real sequences) ---------- */
.steps{ display:grid; grid-template-columns:repeat(4,1fr); gap:24px; counter-reset:step; }
.step{ position:relative; padding-top:8px; }
.step::before{
  counter-increment:step;
  content:counter(step, decimal-leading-zero);
  font-family:var(--font-mono);
  font-size:14px;
  color:var(--brass);
  display:block;
  border-top:2px solid var(--brass);
  padding-top:10px;
  margin-bottom:14px;
  letter-spacing:0.08em;
}
@media (max-width:900px){ .steps{ grid-template-columns:repeat(2,1fr); } }
@media (max-width:560px){ .steps{ grid-template-columns:1fr; } }

/* ---------- Timeline (About page — genuine chronology) ---------- */
.timeline{ border-left:2px solid var(--brass); padding-left:28px; display:flex; flex-direction:column; gap:36px; margin-left:6px; }
.timeline-item{ position:relative; }
.timeline-item::before{
  content:""; position:absolute; left:-34px; top:4px;
  width:10px; height:10px; border-radius:50%;
  background:var(--paper); border:2px solid var(--brass);
}
.timeline-year{ font-family:var(--font-mono); color:var(--brass); font-size:14px; margin-bottom:4px; }

/* ---------- Accordion (FAQ) ---------- */
.accordion{ border-top:1px solid var(--line); }
.accordion-item{ border-bottom:1px solid var(--line); }
.accordion-trigger{
  width:100%;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:20px;
  background:none;
  border:none;
  text-align:left;
  font-family:var(--font-body);
  font-size:16.5px;
  font-weight:600;
  color:var(--ink);
  padding:20px 4px;
  cursor:pointer;
}
.accordion-trigger .plus{
  flex-shrink:0;
  width:20px; height:20px;
  position:relative;
}
.accordion-trigger .plus::before, .accordion-trigger .plus::after{
  content:""; position:absolute; background:var(--brass);
  top:50%; left:50%; transform:translate(-50%,-50%);
}
.accordion-trigger .plus::before{ width:14px; height:2px; }
.accordion-trigger .plus::after{ width:2px; height:14px; transition:transform 0.2s ease; }
.accordion-item.open .plus::after{ transform:translate(-50%,-50%) rotate(90deg) scale(0); }
.accordion-panel{
  max-height:0;
  overflow:hidden;
  transition:max-height 0.25s ease;
}
.accordion-panel p{ padding:0 4px 20px; font-size:15px; }
.accordion-item.open .accordion-panel{ max-height:400px; }

/* ---------- Forms ---------- */
.form-grid{ display:grid; grid-template-columns:1fr 1fr; gap:20px; }
.form-grid.full, .field.full{ grid-column:1 / -1; }
.field label{
  display:block; font-size:13.5px; font-weight:600;
  margin-bottom:7px; color:var(--ink);
}
.field input, .field select, .field textarea{
  width:100%;
  font-family:var(--font-body);
  font-size:15px;
  padding:12px 14px;
  border:1px solid var(--slate-light);
  border-radius:var(--radius);
  background:var(--paper);
  color:var(--ink);
}
.field input:focus, .field select:focus, .field textarea:focus{
  border-color:var(--brass);
}
.field textarea{ resize:vertical; min-height:120px; }
.form-note{ font-size:13px; color:var(--slate-light); margin-top:6px; }
.form-status{ font-size:14.5px; margin-top:16px; font-weight:600; }
.form-status.success{ color:var(--success); }
@media (max-width:640px){ .form-grid{ grid-template-columns:1fr; } }

/* ---------- Contact method cards ---------- */
.contact-grid{ display:grid; grid-template-columns:repeat(4,1fr); gap:24px; }
@media (max-width:960px){ .contact-grid{ grid-template-columns:repeat(2,1fr); } }
@media (max-width:560px){ .contact-grid{ grid-template-columns:1fr; } }

/* ---------- CTA band ---------- */
.cta-band{
  background:var(--navy);
  color:var(--paper);
  border-radius:var(--radius);
  padding:52px 56px;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:40px;
  flex-wrap:wrap;
}
.cta-band h2{ color:var(--paper); margin-bottom:8px; }
.cta-band p{ color:rgba(255,255,255,0.72); margin-bottom:0; }

/* ---------- Footer ---------- */
.site-footer{ background:var(--ink); color:rgba(255,255,255,0.65); padding:64px 0 0; }
.footer-grid{
  display:grid;
  grid-template-columns:1.4fr 1fr 1fr 1fr 1fr;
  gap:32px;
  padding-bottom:48px;
  border-bottom:1px solid rgba(255,255,255,0.12);
}
.footer-brand p{ color:rgba(255,255,255,0.55); font-size:14px; max-width:32ch; }
.footer-col h4{
  font-family:var(--font-mono);
  font-size:12px; letter-spacing:0.1em; text-transform:uppercase;
  color:var(--brass-light); margin-bottom:16px; font-weight:600;
}
.footer-col ul{ list-style:none; margin:0; padding:0; display:flex; flex-direction:column; gap:10px; }
.footer-col a{ text-decoration:none; font-size:14.5px; color:rgba(255,255,255,0.75); }
.footer-col a:hover{ color:var(--paper); }
.footer-legal{
  padding:24px 0 32px;
  display:flex; justify-content:space-between; align-items:center; flex-wrap:wrap; gap:12px;
  font-size:13px; color:rgba(255,255,255,0.45);
}
.footer-legal a{ text-decoration:none; color:rgba(255,255,255,0.45); margin-left:18px; }
.footer-legal a:hover{ color:var(--paper); }
.fscs{
  font-size:12.5px; color:rgba(255,255,255,0.4); line-height:1.6;
  padding-bottom:28px; max-width:900px;
}
@media (max-width:900px){
  .footer-grid{ grid-template-columns:1fr 1fr; }
}
@media (max-width:560px){
  .footer-grid{ grid-template-columns:1fr; }
  .cta-band{ padding:40px 28px; }
}

.text-center{ text-align:center; }
.mt-40{ margin-top:40px; }

/* ---------- General small-screen tightening ---------- */
@media (max-width:640px){
  .section{ padding:52px 0; }
  .section-tight{ padding:40px 0; }
  .section-head{ margin-bottom:32px; }
  .hero-grid{ gap:36px; padding:44px 0 40px; }
  .hero-page{ padding:44px 0 48px; }
  .hero-actions{ gap:10px; }
  .hero-actions .btn{ width:100%; }
  .ledger-row{ padding:13px 18px; }
  .ledger-row-label{ font-size:13.5px; }
  .ledger-row-value{ font-size:17px; }
  .rate-figure{ font-size:30px; }
  .card{ padding:24px 20px; }
  .cta-band > div:last-child{ width:100%; }
  .cta-band .btn{ flex:1 1 auto; }
  .steps{ gap:28px 20px; }
  .timeline{ padding-left:22px; margin-left:2px; }
  .timeline-item::before{ left:-28px; }
  .footer-legal{ flex-direction:column; align-items:flex-start; }
  .footer-legal span:last-child{ display:flex; gap:0; }
  .footer-legal a{ margin-left:0; margin-right:16px; }
}

@media (max-width:480px){
  .brand-name small{ display:none; }
  .brand{ gap:8px; }
}

@media (max-width:400px){
  h1{ font-size:28px !important; }
  .stat-num{ font-size:23px; }
  .stat{ padding:20px 16px; }
}