/* ══════════════════════════════════════════════════
   Union Meridian Bank — Shared Public Page Styles
   Chase-inspired clean design system
   ══════════════════════════════════════════════════ */

/* ── Variables ── */
:root {
  --navy:       #003087;
  --navy-dark:  #001d5a;
  --blue:       #0060F0;
  --green:      #128042;
  --green-dark: #0e6035;
  --ink:        #1a1a1a;
  --muted:      #5c5c5c;
  --line:       #dddddd;
  --surface:    #f5f7f8;
  --surface-soft:#f8faff;
  --radius-lg:  12px;
  --radius-md:  10px;
  --shadow-sm:  0 8px 24px rgba(9, 30, 66, 0.08);
  --shadow-md:  0 14px 36px rgba(9, 30, 66, 0.12);
  --font:       "Open Sans", Arial, sans-serif;
}

/* ── Reset ── */
*, *::before, *::after { box-sizing: border-box; }
html { font-size: 16px; }
body { margin: 0; font-family: var(--font); font-size: 16px; color: var(--ink); background: linear-gradient(180deg, #ffffff 0%, #f9fbff 100%); line-height: 1.55; -webkit-font-smoothing: antialiased; text-rendering: optimizeLegibility; }
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
.container { width: min(1220px, 94%); margin: 0 auto; }

/* ══════════════ HEADER / NAVIGATION ══════════════ */

/* FDIC utility bar */
.mt-fdic { background: #fff; border-bottom: 0; font-size: 12px; color: var(--ink); }
.mt-fdic-row { min-height: 34px; display: flex; align-items: center; justify-content: space-between; gap: 16px; }
.mt-fdic-left { display: inline-flex; align-items: center; gap: 10px; white-space: nowrap; }
.mt-fdic-left strong { font-size: 13px; font-weight: 700; color: var(--navy); }
.mt-fdic-left span { color: var(--muted); }
.mt-fdic-right { display: flex; align-items: center; gap: 22px; white-space: nowrap; }
.mt-fdic-right a { color: var(--ink); font-size: 12px; }
.mt-fdic-right a:hover { color: var(--blue); text-decoration: underline; }

/* Sticky header */
.mt-header { background: rgba(255,255,255,0.92); border-bottom: 0; position: sticky; top: 0; z-index: 100; backdrop-filter: blur(6px); box-shadow: 0 6px 22px rgba(11, 34, 72, 0.06); }
.mt-main-row { min-height: 58px; display: grid; grid-template-columns: auto 1fr auto; align-items: center; gap: 18px; }
.mt-logo img { height: 36px; width: auto; object-fit: contain; mix-blend-mode: multiply; }
.mt-main-nav { display: flex; align-items: center; gap: 30px; margin-left: 10px; }
.mt-main-nav a { font-size: 14px; color: #323232; font-weight: 600; position: relative; padding: 8px 0; line-height: 1; }
.mt-main-nav a.active { color: var(--navy); font-weight: 600; }
.mt-main-nav a.active::after { content: ""; position: absolute; left: 0; right: 0; bottom: -10px; height: 2px; background: var(--navy); }
.mt-login-btn { height: 37px; padding: 0 16px; background: linear-gradient(135deg, #005eb8 0%, #003087 100%); color: #fff; font-size: 14px; font-weight: 700; display: inline-flex; align-items: center; gap: 8px; border: 0; border-radius: 8px; text-decoration: none; box-shadow: 0 8px 18px rgba(0, 48, 135, 0.25); }
.mt-login-btn:hover { background: linear-gradient(135deg, #0054a6 0%, #002a74 100%); color: #fff; }
.mt-mob-btn { display: none; align-items: center; justify-content: center; width: 40px; height: 40px; background: none; border: 1.5px solid #c9d4e3; border-radius: 8px; cursor: pointer; color: var(--navy); flex-shrink: 0; }

/* Sub-navigation */
.mt-sub-row { min-height: 46px; border-top: 0; display: flex; align-items: center; }
.mt-sub-nav { display: flex; align-items: center; gap: 36px; white-space: nowrap; overflow-x: auto; scrollbar-width: none; }
.mt-sub-nav::-webkit-scrollbar { display: none; }
.mt-sub-nav a { color: var(--ink); font-size: 14px; font-weight: 600; padding: 8px 0; position: relative; }
.mt-sub-nav a:hover { color: var(--blue); }
.mt-sub-nav a.active { color: var(--navy); font-weight: 600; }
.mt-sub-nav a.active::after { content: ""; position: absolute; left: 0; right: 0; bottom: -10px; height: 2px; background: var(--navy); }

/* ══════════════ MOBILE NAV OVERLAY ══════════════ */
.mt-mob-menu { display: none; position: fixed; inset: 0; background: #fff; z-index: 9999; overflow-y: auto; -webkit-overflow-scrolling: touch; }
.mt-mob-menu.open { display: block; }
.mt-mob-top { display: flex; justify-content: space-between; align-items: center; padding: 14px 20px; background: var(--navy); position: sticky; top: 0; z-index: 1; }
.mt-mob-top img { height: 38px; width: auto; max-width: 180px; display: block; filter: brightness(0) invert(1); object-fit: contain; }
.mt-mob-close-btn { background: none; border: none; cursor: pointer; color: #fff; font-size: 32px; line-height: 1; padding: 0 4px; }
.mt-mob-section { padding: 18px 22px 4px; }
.mt-mob-section h6 { font-size: 11px; text-transform: uppercase; letter-spacing: .09em; color: #7a8fa8; margin: 0 0 6px; font-weight: 700; }
.mt-mob-menu a.mt-mob-link { display: block; padding: 11px 0; font-size: 15px; color: #1f2834; font-weight: 500; border-bottom: 1px solid #f0f2f5; text-decoration: none; }
.mt-mob-menu a.mt-mob-link:last-child { border-bottom: none; }
.mt-mob-login { display: block; margin: 20px 22px 30px; padding: 14px 20px; background: var(--navy); color: #fff; text-align: center; border-radius: 8px; font-weight: 700; font-size: 15px; text-decoration: none; }

/* ══════════════ SHARED HERO STYLES ══════════════ */
.page-hero {
  color: #fff;
  padding: 58px 0 54px;
  box-shadow: inset 0 -1px 0 rgba(255,255,255,0.08), 0 10px 28px rgba(0, 29, 90, 0.16);
}
.page-hero-copy { max-width: 640px; }
.page-hero-badge {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(255,255,255,0.12); border: 1px solid rgba(255,255,255,0.28);
  padding: 7px 14px; border-radius: 999px;
  font-size: 12px; font-weight: 700; text-transform: uppercase; letter-spacing: .06em;
  margin-bottom: 20px; color: rgba(255,255,255,0.90);
}
.page-hero-copy h1 { margin: 0 0 14px; font-size: clamp(24px, 2.8vw, 36px); font-weight: 700; line-height: 1.15; letter-spacing: -0.02em; color: #fff; }
.page-hero-copy p { margin: 0 0 24px; font-size: 17px; color: rgba(255,255,255,0.88); max-width: 560px; line-height: 1.65; }

/* ══════════════ SHARED BUTTONS ══════════════ */
.btn-primary { display: inline-flex; align-items: center; justify-content: center; height: 42px; padding: 0 22px; background: linear-gradient(135deg, #1c9b53 0%, #128042 100%); color: #fff; font-size: 14px; font-weight: 700; border-radius: 8px; text-decoration: none; border: none; cursor: pointer; font-family: var(--font); transition: background .15s, transform .15s; box-shadow: 0 8px 20px rgba(18, 128, 66, 0.22); }
.btn-primary:hover { background: var(--green-dark); color: #fff; }
.btn-outline { display: inline-flex; align-items: center; justify-content: center; height: 42px; padding: 0 22px; background: transparent; color: var(--navy); border: 2px solid var(--navy); font-size: 14px; font-weight: 700; border-radius: 4px; text-decoration: none; cursor: pointer; font-family: var(--font); transition: background .15s, color .15s; }
.btn-outline:hover { background: var(--navy); color: #fff; }
.btn-white { display: inline-flex; align-items: center; height: 42px; padding: 0 22px; background: #fff; color: var(--navy); font-size: 14px; font-weight: 700; border-radius: 4px; text-decoration: none; }
.btn-white:hover { background: #f0f5ff; }
.btn-sm { height: 36px; padding: 0 16px; font-size: 13px; }

/* ══════════════ SHARED SECTION STYLES ══════════════ */
.section { background: #fff; border-bottom: 1px solid #e7eaee; padding: 52px 0; }
.section.alt { background: linear-gradient(180deg, var(--surface-soft) 0%, #f3f6fb 100%); }
.section h2 { margin: 0 0 12px; font-size: clamp(20px, 2.4vw, 28px); font-weight: 700; color: var(--ink); line-height: 1.2; letter-spacing: -0.01em; }
.lead { margin: 0 0 32px; font-size: 16px; color: var(--muted); max-width: 720px; line-height: 1.7; }
.section h2 + .lead { color: #5e6d82; }

/* Stats bar */
.stats-bar { background: var(--navy); padding: 32px 0; }
.stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); }
.stat-item { text-align: center; padding: 0 20px; border-right: 1px solid rgba(255,255,255,0.15); }
.stat-item:last-child { border-right: 0; }
.stat-item strong { display: block; font-size: 28px; font-weight: 800; color: #fff; line-height: 1; letter-spacing: -0.02em; }
.stat-item span { display: block; font-size: 12px; color: rgba(255,255,255,0.65); margin-top: 6px; font-weight: 500; text-transform: uppercase; letter-spacing: .05em; }

/* Card grid */
.card-grid { display: grid; grid-template-columns: repeat(3, minmax(0,1fr)); gap: 16px; }
.card-grid.cols-4 { grid-template-columns: repeat(4, minmax(0,1fr)); }
.card { border: 1px solid #dfe6f0; background: #fff; padding: 22px; display: flex; flex-direction: column; border-radius: 0; box-shadow: var(--shadow-sm); transition: transform .18s ease, box-shadow .18s ease; }
.card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }
.card-eyebrow { margin: 0 0 8px; font-size: 11px; font-weight: 700; letter-spacing: .05em; text-transform: uppercase; color: #5f6b7d; }
.card h3 { margin: 0 0 8px; font-size: 17px; line-height: 1.2; color: #20262f; font-weight: 700; }
.card p { margin: 0 0 14px; font-size: 14px; color: #4d596b; line-height: 1.6; }
.card ul { margin: 0 0 14px; padding-left: 18px; font-size: 14px; color: #3a4657; line-height: 1.6; }
.card-actions { margin-top: auto; display: flex; gap: 10px; flex-wrap: wrap; }

/* Feature list */
.feature-grid { display: grid; grid-template-columns: repeat(4, minmax(0,1fr)); gap: 12px; }
.feature-item { border: 1px solid #dfe6f0; background: #fff; padding: 14px 16px; border-radius: 0; box-shadow: 0 8px 20px rgba(9, 30, 66, 0.06); }
.feature-item h4 { margin: 0 0 6px; font-size: 14px; color: var(--navy); font-weight: 700; }
.feature-item p { margin: 0; font-size: 13px; color: var(--muted); line-height: 1.5; }

/* Split layout */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 32px; align-items: center; }
.split img { width: 100%; height: auto; object-fit: cover; border-radius: var(--radius-lg); box-shadow: var(--shadow-md); }
.split ul { padding-left: 20px; font-size: 14px; color: #3d495a; line-height: 1.75; }

/* CTA band */
.cta-band {
  background: linear-gradient(90deg, var(--navy-dark) 0%, var(--navy) 100%);
  color: #fff; padding: 28px 32px;
  display: grid; grid-template-columns: 1fr auto;
  gap: 20px; align-items: center; box-shadow: 0 18px 34px rgba(0, 29, 90, 0.24);
}
.cta-band h3 { margin: 0 0 6px; font-size: clamp(17px, 1.8vw, 22px); font-weight: 600; line-height: 1.2; color: #fff; }
.cta-band p { margin: 0; font-size: 14px; color: rgba(255,255,255,0.9); }

/* FAQ accordion */
.faq-item { border-top: 1px solid #e6e9ee; }
.faq-q {
  display: flex; justify-content: space-between; align-items: center;
  padding: 16px 0; cursor: pointer;
  font-size: 15px; font-weight: 600; color: var(--ink); gap: 12px;
  background: none; border: none; width: 100%; text-align: left; font-family: var(--font);
}
.faq-q:hover { color: var(--navy); }
.faq-q .faq-icon { flex-shrink: 0; font-size: 20px; color: var(--navy); transition: transform .2s; }
.faq-item.open .faq-icon { transform: rotate(45deg); }
.faq-a { display: none; padding: 0 0 16px; font-size: 14px; color: var(--muted); line-height: 1.7; }
.faq-item.open .faq-a { display: block; }

/* Mission cards */
.mission-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.mission-card { border: 1px solid #dfe6f0; background: #fff; border-radius: 0; padding: 28px 24px; box-shadow: var(--shadow-sm); }
.mission-card .icon-wrap { width: 50px; height: 50px; border-radius: 12px; background: #eef3ff; display: flex; align-items: center; justify-content: center; margin-bottom: 18px; color: var(--navy); font-size: 26px; }
.mission-card h3 { margin: 0 0 10px; font-size: 19px; font-weight: 700; color: var(--ink); }
.mission-card p { margin: 0; font-size: 14px; color: var(--muted); line-height: 1.7; }

/* Shared premium form/input treatment for public pages */
input[type="text"], input[type="email"], input[type="tel"], input[type="password"], select, textarea {
  border-radius: 8px;
}
input[type="text"]:focus, input[type="email"]:focus, input[type="tel"]:focus, input[type="password"]:focus, select:focus, textarea:focus {
  outline: none;
  box-shadow: 0 0 0 3px rgba(0, 94, 184, 0.12);
}

/* ══════════════ SHARED FOOTER ══════════════ */
.footer-main,
.page-footer { background: var(--navy); border-top: 2px solid #001d5a; padding: 28px 0 16px; color: #e7edf8; }
.foot-grid { display: grid; grid-template-columns: 1.2fr 1fr 1fr 1fr; gap: 16px; border-bottom: 1px solid rgba(255,255,255,0.18); padding-bottom: 14px; }
.foot-grid h5 { margin: 0 0 10px; font-size: 12px; color: #ffffff; font-weight: 700; text-transform: uppercase; letter-spacing: .05em; border-bottom: 1px solid rgba(255,255,255,0.2); padding-bottom: 8px; }
.foot-grid p { margin: 0 0 6px; font-size: 12.5px; color: #cfd9ee; }
.foot-grid a { display: block; margin-bottom: 6px; font-size: 12.5px; color: #e7edf8; text-decoration: none; }
.foot-grid a:hover { color: #ffffff; text-decoration: underline; }
.footer-bottom { padding-top: 12px; margin-top: 4px; border-top: 1px solid rgba(255,255,255,0.2); display: flex; justify-content: space-between; gap: 16px; flex-wrap: wrap; font-size: 11.5px; color: #c5d1e8; }
.footer-bottom a { color: #dbe4f6; text-decoration: none; }
.footer-bottom a:hover { color: #ffffff; text-decoration: underline; }
.footer-main img[src*="umb-logo"],
.page-footer img[src*="umb-logo"] { filter: brightness(0) invert(1); mix-blend-mode: normal; }

/* Disclosures */
.disclosures { background: #f6f7f8; border-top: 1px solid #e4e4e4; border-bottom: 1px solid #e4e4e4; padding: 20px 0; }
.disclosures-inner { display: flex; gap: 14px; align-items: flex-start; }
.disclosures-inner p { margin: 0; color: #7a8494; font-size: 11.5px; line-height: 1.6; }

/* ══════════════ RESPONSIVE ══════════════ */
@media (max-width: 1024px) {
  .mt-main-nav, .mt-sub-row { display: none !important; }
  .mt-mob-btn { display: inline-flex; }
  .card-grid.cols-4, .feature-grid { grid-template-columns: repeat(2, 1fr); }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .stat-item:nth-child(2) { border-right: 0; }
  .stat-item:nth-child(n+3) { border-top: 1px solid rgba(255,255,255,0.15); }
}
@media (max-width: 860px) {
  .card-grid, .mission-grid { grid-template-columns: 1fr 1fr; }
  .split { grid-template-columns: 1fr; }
}
@media (max-width: 760px) {
  .mt-fdic-right { display: none; }
  .page-hero { padding: 36px 0 32px; }
  .card-grid, .card-grid.cols-4, .feature-grid, .mission-grid { grid-template-columns: 1fr; }
  .cta-band { grid-template-columns: 1fr; }
  .foot-grid { grid-template-columns: 1fr 1fr; }
  .stats-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 480px) {
  .foot-grid { grid-template-columns: 1fr; }
}