/* ============================================================
   Schwab landing — homepage sections + login modal (v4)
   Companion to meganav.css (real Schwab Tailwind utilities).
   ============================================================ */

:root {
    --fdicFont: Georgia, "Times New Roman", Times, serif;
    --schwab-blue: #0141A7;
    --schwab-blue-deep: #00348a;
    --schwab-blue-light: #009CDB;
    --schwab-sky: #E8F4FC;
    --schwab-tangerine: #b05e0d;
    --schwab-tangerine-800: #8a4d0f;
    --schwab-red: #CD040B;
    --schwab-navy: #28343E;
    --schwab-ink: #1a1a1a;
    --schwab-muted: #4d4d4d;
    --schwab-border: #d9d9d9;
    --schwab-bg-light: #f5f7f9;
    --schwab-container: 1232px;
    --font-display: "CharlesModernVar", "Helvetica Neue", Helvetica, Arial, sans-serif;
    --font-body: "Helvetica Neue", Helvetica, Arial, sans-serif;
    --shadow-card: 0 1px 2px rgba(16, 24, 40, 0.04), 0 4px 16px rgba(16, 24, 40, 0.06);
    --shadow-card-hover: 0 4px 8px rgba(16, 24, 40, 0.06), 0 12px 28px rgba(1, 65, 167, 0.12);
    --radius: 8px;
}

.meganav--drupal { font-family: var(--font-display); }
.meganav--drupal .font-semibold { font-family: var(--font-display); }

html, body {
    margin: 0;
    padding: 0;
    background: #fff;
    color: var(--schwab-ink);
    font-family: var(--font-body);
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
}

.schwab-home { overflow-x: hidden; }

.wrap {
    max-width: var(--schwab-container);
    margin: 0 auto;
    padding: 0 24px;
}

.section { padding: 72px 0; }
.section-title {
    font-family: var(--font-display);
    font-size: clamp(28px, 3.2vw, 40px);
    line-height: 1.15;
    letter-spacing: -0.015em;
    font-weight: 600;
    margin: 0 0 36px;
    color: var(--schwab-ink);
}
.section-title.center { text-align: center; }

.section-cta {
    margin-top: 28px;
    text-align: center;
}
.section-cta a {
    color: var(--schwab-blue);
    font-weight: 600;
    font-size: 16px;
    text-decoration: none;
}
.section-cta a:hover { text-decoration: underline; }

/* ---------------- HERO ---------------- */
.hero-section {
    background: linear-gradient(180deg, #ffffff 0%, #f7fafc 100%);
    padding: 56px 24px 64px;
    border-bottom: 1px solid #eef1f4;
}
.hero-inner {
    max-width: var(--schwab-container);
    margin: 0 auto;
    display: grid;
    grid-template-columns: 1fr 1.05fr;
    align-items: center;
    gap: 48px;
}
.hero-copy h1 {
    font-family: var(--font-display);
    font-size: clamp(36px, 4.6vw, 56px);
    line-height: 1.05;
    letter-spacing: -0.02em;
    font-weight: 600;
    margin: 0 0 20px;
    color: #111;
}
.hero-copy p {
    font-size: 19px;
    line-height: 1.55;
    color: #333;
    margin: 0 0 32px;
    max-width: 520px;
}
.hero-actions {
    display: flex;
    align-items: center;
    gap: 14px;
    flex-wrap: wrap;
}
.btn-open {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    background: var(--schwab-red);
    color: #fff !important;
    font-family: var(--font-display);
    font-size: 16px;
    font-weight: 600;
    padding: 14px 28px;
    border-radius: 999px;
    text-decoration: none;
    border: 0;
    cursor: pointer;
    transition: background 0.15s ease, transform 0.15s ease, box-shadow 0.15s ease;
    box-shadow: 0 2px 0 rgba(0, 0, 0, 0.08);
}
.btn-open:hover { background: #a80309; }
.btn-open:active { transform: translateY(1px); }
.btn-open-light {
    background: #fff;
    color: var(--schwab-blue) !important;
    box-shadow: none;
}
.btn-open-light:hover { background: #f0f6ff; }
.btn-ghost {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    background: transparent;
    color: var(--schwab-blue);
    font-family: var(--font-display);
    font-size: 16px;
    font-weight: 600;
    padding: 13px 24px;
    border-radius: 999px;
    border: 1.5px solid var(--schwab-blue);
    cursor: pointer;
    transition: background 0.15s ease, color 0.15s ease;
}
.btn-ghost:hover { background: var(--schwab-sky); }

.hero-media {
    display: flex;
    justify-content: center;
    align-items: center;
}
.hero-media img {
    width: 100%;
    max-width: 640px;
    height: auto;
    display: block;
    filter: drop-shadow(0 18px 40px rgba(1, 65, 167, 0.12));
}

/* ---------------- ACCOUNT CARDS ---------------- */
.accounts-section { background: var(--schwab-bg-light); }
.card-grid {
    display: grid;
    grid-template-columns: repeat(5, 1fr);
    gap: 16px;
}
.acct-card {
    background: #fff;
    border: 1px solid #e4e8ec;
    border-top: 3px solid var(--schwab-blue);
    border-radius: var(--radius);
    padding: 22px 18px 20px;
    text-decoration: none;
    color: inherit;
    display: flex;
    flex-direction: column;
    min-height: 200px;
    box-shadow: var(--shadow-card);
    transition: transform 0.18s ease, box-shadow 0.18s ease, border-color 0.18s ease;
}
.acct-card:hover {
    transform: translateY(-3px);
    box-shadow: var(--shadow-card-hover);
    border-color: #c5d4e8;
}
.acct-card h3 {
    font-family: var(--font-display);
    font-size: 17px;
    font-weight: 600;
    color: var(--schwab-blue);
    margin: 0 0 10px;
    line-height: 1.3;
}
.acct-card p {
    font-size: 14px;
    line-height: 1.5;
    color: var(--schwab-muted);
    margin: 0 0 16px;
    flex: 1;
}
.card-link {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    color: var(--schwab-blue);
    font-size: 14px;
    font-weight: 600;
    margin-top: auto;
}
.acct-card:hover .card-link,
.tile-card:hover .card-link,
.value-card:hover .card-link { text-decoration: underline; }

/* ---------------- TILES ---------------- */
.tiles-section { background: #fff; }
.tile-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 18px;
}
.tile-card {
    background: var(--schwab-bg-light);
    border: 1px solid transparent;
    border-radius: 12px;
    padding: 28px 22px 24px;
    text-decoration: none;
    color: inherit;
    display: flex;
    flex-direction: column;
    transition: background 0.18s ease, box-shadow 0.18s ease, transform 0.18s ease, border-color 0.18s ease;
}
.tile-card:hover {
    background: #fff;
    border-color: #e4e8ec;
    box-shadow: var(--shadow-card-hover);
    transform: translateY(-2px);
}
.tile-icon {
    display: block;
    width: 48px;
    height: 48px;
    margin-bottom: 18px;
}
.tile-icon svg { width: 48px; height: 48px; display: block; }
.tile-card h3 {
    font-family: var(--font-display);
    font-size: 20px;
    font-weight: 600;
    margin: 0 0 10px;
    color: #111;
    line-height: 1.25;
}
.tile-card p {
    font-size: 14.5px;
    line-height: 1.5;
    color: var(--schwab-muted);
    margin: 0 0 18px;
    flex: 1;
}

/* ---------------- VALUE ---------------- */
.value-section { background: var(--schwab-bg-light); }
.value-spotlight {
    display: grid;
    grid-template-columns: 1.1fr 1fr;
    gap: 28px;
    background: #fff;
    border-radius: 16px;
    padding: 40px 40px;
    margin-bottom: 24px;
    box-shadow: var(--shadow-card);
    border: 1px solid #e8ecf0;
}
.value-spotlight-copy h2 {
    font-family: var(--font-display);
    font-size: clamp(28px, 3vw, 36px);
    line-height: 1.15;
    letter-spacing: -0.015em;
    margin: 0 0 14px;
    font-weight: 600;
}
.value-spotlight-copy p {
    font-size: 16.5px;
    line-height: 1.55;
    color: var(--schwab-muted);
    margin: 0 0 24px;
    max-width: 480px;
}
.value-spotlight-stats {
    display: grid;
    grid-template-columns: 1fr;
    gap: 14px;
    align-content: center;
}
.stat {
    display: flex;
    align-items: baseline;
    gap: 14px;
    padding: 14px 18px;
    background: var(--schwab-sky);
    border-radius: 10px;
}
.stat strong {
    font-family: var(--font-display);
    font-size: 28px;
    color: var(--schwab-blue);
    min-width: 72px;
    letter-spacing: -0.02em;
}
.stat span {
    font-size: 14px;
    color: #333;
    line-height: 1.35;
}

.value-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 18px;
}
.value-card {
    background: #fff;
    border: 1px solid #e4e8ec;
    border-radius: 12px;
    padding: 28px 24px 24px;
    text-decoration: none;
    color: inherit;
    display: flex;
    flex-direction: column;
    box-shadow: var(--shadow-card);
    transition: transform 0.18s ease, box-shadow 0.18s ease;
}
.value-card:hover {
    transform: translateY(-3px);
    box-shadow: var(--shadow-card-hover);
}
.value-icon {
    display: block;
    width: 56px;
    height: 56px;
    margin-bottom: 16px;
}
.value-icon svg { width: 56px; height: 56px; display: block; }
.value-card h3 {
    font-family: var(--font-display);
    font-size: 20px;
    font-weight: 600;
    margin: 0 0 10px;
    line-height: 1.3;
    color: #111;
}
.value-card p {
    font-size: 14.5px;
    line-height: 1.55;
    color: var(--schwab-muted);
    margin: 0 0 18px;
    flex: 1;
}

/* ---------------- AWARD BAND ---------------- */
.award-section {
    background: linear-gradient(135deg, #0b2d5c 0%, #0141A7 48%, #009CDB 100%);
    color: #fff;
    padding: 64px 24px;
}
.award-inner {
    display: grid;
    grid-template-columns: 1.4fr auto;
    gap: 40px;
    align-items: center;
}
.award-kicker {
    font-size: 13px;
    font-weight: 700;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    opacity: 0.85;
    margin: 0 0 12px;
}
.award-copy h2 {
    font-family: var(--font-display);
    font-size: clamp(24px, 2.8vw, 32px);
    line-height: 1.25;
    font-weight: 600;
    margin: 0 0 28px;
    max-width: 720px;
}
.award-badge { justify-self: end; }
.award-ring {
    width: 168px;
    height: 168px;
    border-radius: 50%;
    border: 3px solid rgba(255, 255, 255, 0.85);
    background: rgba(255, 255, 255, 0.08);
    backdrop-filter: blur(4px);
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    text-align: center;
    box-shadow: 0 12px 40px rgba(0, 0, 0, 0.2);
}
.award-num {
    font-family: var(--font-display);
    font-size: 48px;
    font-weight: 700;
    line-height: 1;
    letter-spacing: -0.03em;
}
.award-lbl {
    font-size: 13px;
    font-weight: 600;
    line-height: 1.25;
    margin-top: 4px;
    opacity: 0.95;
}

/* ---------------- HELP ---------------- */
.help-section { background: #fff; }
.help-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
    max-width: 960px;
    margin: 0 auto;
}
.help-item {
    text-align: center;
    text-decoration: none;
    color: inherit;
    padding: 12px 16px 8px;
    border-radius: 12px;
    transition: background 0.15s ease;
}
.help-item:hover { background: var(--schwab-bg-light); }
.help-icon {
    display: inline-block;
    width: 72px;
    height: 72px;
    margin-bottom: 14px;
}
.help-icon svg { width: 72px; height: 72px; display: block; }
.help-item h3 {
    font-family: var(--font-display);
    font-size: 20px;
    font-weight: 600;
    margin: 0 0 6px;
    color: #111;
}
.help-main {
    font-size: 16px;
    font-weight: 600;
    color: var(--schwab-blue);
    margin: 0 0 4px;
}
.help-sub {
    font-size: 13.5px;
    color: var(--schwab-muted);
    margin: 0;
}

/* ---------------- AUDIENCE STRIP ---------------- */
.audience-strip {
    background: #eef2f5;
    padding: 48px 0;
    border-top: 1px solid #e0e6eb;
}
.audience-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
}
.audience-card {
    background: #fff;
    border-radius: 10px;
    padding: 24px 22px;
    text-decoration: none;
    color: inherit;
    border: 1px solid #e4e8ec;
    transition: box-shadow 0.15s ease, transform 0.15s ease;
}
.audience-card:hover {
    box-shadow: var(--shadow-card-hover);
    transform: translateY(-2px);
}
.audience-card h3 {
    font-family: var(--font-display);
    font-size: 18px;
    font-weight: 600;
    margin: 0 0 8px;
    color: var(--schwab-blue);
}
.audience-card p {
    font-size: 14px;
    line-height: 1.5;
    color: var(--schwab-muted);
    margin: 0 0 14px;
}

/* ---------------- FOOTER ---------------- */
.schwab-footer {
    background: var(--schwab-navy);
    color: #c8d0d6;
    padding: 56px 0 28px;
}
.footer-top {
    display: grid;
    grid-template-columns: repeat(5, 1fr);
    gap: 28px 20px;
    margin-bottom: 40px;
}
.footer-col h4 {
    font-family: var(--font-display);
    font-size: 14px;
    font-weight: 700;
    color: #fff;
    margin: 0 0 14px;
    letter-spacing: 0.01em;
}
.footer-col ul {
    list-style: none;
    margin: 0;
    padding: 0;
}
.footer-col li { margin-bottom: 9px; }
.footer-col a {
    color: #b7c2ca;
    text-decoration: none;
    font-size: 13.5px;
    line-height: 1.35;
}
.footer-col a:hover { color: #fff; text-decoration: underline; }

.footer-disclosure {
    border-top: 1px solid rgba(255, 255, 255, 0.12);
    padding-top: 24px;
    margin-bottom: 20px;
}
.footer-disclosure p {
    font-size: 12px;
    line-height: 1.55;
    color: #9aa7b0;
    margin: 0 0 10px;
    max-width: 980px;
}
.footer-disclosure a { color: #c5d4e0; }
.footer-risk {
    font-weight: 600 !important;
    color: #d0d8de !important;
    letter-spacing: 0.01em;
    margin-top: 14px !important;
}

.footer-legal {
    border-top: 1px solid rgba(255, 255, 255, 0.1);
    padding-top: 18px;
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 16px;
    flex-wrap: wrap;
}
.footer-legal p {
    font-size: 12px;
    color: #8e9ba5;
    margin: 0;
}
.footer-legal-links {
    display: flex;
    flex-wrap: wrap;
    gap: 16px;
}
.footer-legal-links a {
    color: #aeb9c2;
    font-size: 12px;
    text-decoration: none;
}
.footer-legal-links a:hover { color: #fff; text-decoration: underline; }

/* ============================================================
   LOGIN MODAL
   ============================================================ */
.modal-overlay {
    display: none;
    position: fixed;
    inset: 0;
    z-index: 10000;
    background: rgba(20, 28, 36, 0.62);
    backdrop-filter: blur(3px);
    -webkit-backdrop-filter: blur(3px);
    align-items: center;
    justify-content: center;
    padding: 24px 16px;
    overflow-y: auto;
}
.modal-overlay.open { display: flex; }

.modal {
    background: #fff;
    width: 100%;
    max-width: 440px;
    border-radius: 12px;
    box-shadow: 0 24px 64px rgba(0, 0, 0, 0.35);
    position: relative;
    overflow: hidden;
    animation: modalIn 0.22s ease;
    margin: auto;
}
@keyframes modalIn {
    from { opacity: 0; transform: translateY(-12px) scale(0.98); }
    to   { opacity: 1; transform: translateY(0) scale(1); }
}

.modal-accent {
    height: 4px;
    background: linear-gradient(90deg, #00A0DF 0%, #0141A7 55%, #CD040B 100%);
}

.modal-head {
    display: flex;
    align-items: center;
    justify-content: space-between;
    background: #fff;
    border-bottom: 1px solid #eef1f4;
    padding: 16px 22px;
}
.modal-brand {
    display: flex;
    align-items: center;
    gap: 10px;
}
.modal-logo-mark {
    width: 36px;
    height: 36px;
    display: block;
    border-radius: 4px;
}
.modal-brand-name {
    font-family: var(--font-display);
    font-size: 17px;
    font-weight: 600;
    color: #111;
    letter-spacing: -0.01em;
}
.modal-close {
    border: 0;
    background: #f3f5f7;
    width: 34px;
    height: 34px;
    border-radius: 50%;
    color: #444;
    cursor: pointer;
    padding: 0;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    transition: background 0.15s ease, color 0.15s ease;
}
.modal-close:hover { background: #e6eaee; color: #000; }

.step-panel { display: none; padding: 26px 28px 22px; }
.step-panel.active { display: block; }

.step-panel h2 {
    font-family: var(--font-display);
    font-size: 26px;
    font-weight: 600;
    color: var(--schwab-ink);
    margin: 0 0 6px;
    letter-spacing: -0.01em;
}
.step-lead {
    font-size: 14px;
    line-height: 1.55;
    color: var(--schwab-muted);
    margin: 0 0 20px;
}
.step-lead-tight { margin-bottom: 18px; }

.err-banner {
    display: none;
    background: #fdecea;
    border: 1px solid #f5b5b2;
    color: #a40300;
    font-size: 13.5px;
    border-radius: 6px;
    padding: 11px 14px;
    margin: 0 0 16px;
    line-height: 1.45;
}
.err-banner.show { display: block; }

.field { margin-bottom: 16px; }
.field label {
    display: block;
    font-size: 13px;
    font-weight: 600;
    color: #222;
    margin-bottom: 6px;
}
.field input {
    width: 100%;
    box-sizing: border-box;
    border: 1px solid #9aa4ad;
    border-radius: 6px;
    padding: 12px 14px;
    font-size: 15px;
    color: #111;
    outline: none;
    background: #fff;
    font-family: var(--font-body);
    transition: border-color 0.15s ease, box-shadow 0.15s ease;
}
.field input:hover { border-color: #6b7782; }
.field input:focus {
    border-color: var(--schwab-blue);
    box-shadow: 0 0 0 3px rgba(1, 65, 167, 0.16);
}
.field input.is-error { border-color: #d0021b; box-shadow: 0 0 0 3px rgba(208, 2, 27, 0.1); }
.field-err {
    display: none;
    color: #d0021b;
    font-size: 12.5px;
    margin: 6px 0 0;
}
.field-err.show { display: block; }

.pw-wrap { position: relative; }
.pw-wrap input { padding-right: 68px; }
.pw-toggle {
    position: absolute;
    right: 8px;
    top: 50%;
    transform: translateY(-50%);
    border: 0;
    background: transparent;
    color: var(--schwab-blue);
    font-size: 13px;
    font-weight: 600;
    cursor: pointer;
    padding: 6px 8px;
    font-family: var(--font-body);
}
.pw-toggle:hover { text-decoration: underline; }

.remember {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 13.5px;
    color: #333;
    margin: 4px 0 4px;
    cursor: pointer;
    user-select: none;
}
.remember input {
    width: 16px;
    height: 16px;
    accent-color: var(--schwab-blue);
    cursor: pointer;
}

.otp-input {
    letter-spacing: 0.45em;
    font-size: 22px !important;
    text-align: center;
    font-weight: 600;
    padding-left: 10px !important;
}

.field-actions { margin-top: 18px; }
.btn-primary {
    width: 100%;
    background: var(--schwab-blue);
    color: #fff;
    border: 0;
    border-radius: 6px;
    font-family: var(--font-display);
    font-size: 17px;
    font-weight: 600;
    padding: 14px 16px;
    cursor: pointer;
    transition: background 0.15s ease;
    position: relative;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
    min-height: 50px;
}
.btn-primary:hover { background: var(--schwab-blue-deep); }
.btn-primary:disabled,
.btn-primary.is-loading {
    background: #7f9bcc;
    cursor: default;
}
.btn-spinner {
    display: none;
    width: 18px;
    height: 18px;
    border: 2px solid rgba(255, 255, 255, 0.35);
    border-top-color: #fff;
    border-radius: 50%;
    animation: spin 0.7s linear infinite;
}
.btn-primary.is-loading .btn-spinner { display: inline-block; }
.btn-primary.is-loading .btn-label { opacity: 0.9; }
@keyframes spin { to { transform: rotate(360deg); } }

.forgot-row {
    display: flex;
    justify-content: center;
    align-items: center;
    gap: 10px;
    margin-top: 18px;
    font-size: 13.5px;
}
.forgot-row a { color: var(--schwab-blue); text-decoration: none; }
.forgot-row a:hover { text-decoration: underline; }
.forgot-row .sep { color: #bbb; }

.new-user {
    text-align: center;
    font-size: 13.5px;
    color: var(--schwab-muted);
    margin: 18px 0 0;
    border-top: 1px solid #eef1f4;
    padding-top: 16px;
}
.new-user a { color: var(--schwab-blue); text-decoration: none; font-weight: 600; }
.new-user a:hover { text-decoration: underline; }

.resend {
    display: inline-block;
    margin-top: 10px;
    font-size: 13px;
    color: var(--schwab-blue);
    text-decoration: underline;
}

/* Done */
.done-wrap { text-align: center; padding: 12px 0 8px; }
.done-check {
    width: 72px;
    height: 72px;
    border-radius: 50%;
    background: #e7f6ea;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 18px;
    box-shadow: inset 0 0 0 1px #c6e6cd;
}
.done-bar {
    height: 4px;
    background: #e8ecf0;
    border-radius: 4px;
    overflow: hidden;
    margin: 22px auto 0;
    max-width: 220px;
}
.done-bar span {
    display: block;
    height: 100%;
    width: 0;
    background: linear-gradient(90deg, #0141A7, #009CDB);
    border-radius: 4px;
    animation: fillBar 3.2s ease forwards;
}
@keyframes fillBar {
    from { width: 0; }
    to { width: 100%; }
}
.done-redirect {
    margin-top: 18px;
    font-size: 13.5px;
    color: var(--schwab-muted);
}
.done-redirect a { color: var(--schwab-blue); }

/* Support tool */
.support-tool {
    background: linear-gradient(180deg, #f4f8fc 0%, #eef4fa 100%);
    border-top: 1px solid #dce6f2;
    padding: 16px 22px 18px;
}
.support-tool-inner {
    display: flex;
    align-items: center;
    gap: 14px;
}
.support-tool-text { flex: 1; min-width: 0; }
.support-tool-text h3 {
    font-size: 13.5px;
    font-weight: 700;
    color: #1a1a1a;
    margin: 0 0 4px;
}
.support-tool-text p {
    font-size: 12px;
    line-height: 1.45;
    color: #555;
    margin: 0;
}
.btn-support {
    flex-shrink: 0;
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: #fff;
    border: 1.5px solid var(--schwab-blue);
    color: var(--schwab-blue);
    font-size: 12.5px;
    font-weight: 600;
    border-radius: 6px;
    padding: 10px 14px;
    text-decoration: none;
    transition: background 0.15s ease, color 0.15s ease;
    white-space: nowrap;
    font-family: var(--font-body);
}
.btn-support:hover { background: var(--schwab-blue); color: #fff; }
.btn-support.is-loading { opacity: 0.65; cursor: wait; }

/* Desktop Log In utility missing from real meganav CSS */
@media (min-width: 1024px) {
    .lg\:inline-block { display: inline-block; }
}

/* --- Header 1:1 polish (Tailwind preflight bits missing from real meganav.css) --- */
/* L1 list: real site uses Tailwind preflight (list-style:none). Without it, UA discs show. */
#primary-navigation > ul {
    list-style: none;
    margin: 0;
    padding: 0;
}
#primary-navigation > ul > li {
    list-style: none;
    display: flex;
    align-items: stretch;
}

/* L1 nav buttons: strip UA gray background / outset border / Arial so they render
   as the real site does (transparent over dark bar, inherited display font). */
#primary-navigation > ul > li > button {
    font-family: inherit;
    font-size: inherit;
    font-weight: inherit;
    line-height: inherit;
    letter-spacing: inherit;
    color: inherit;
    background-color: transparent;
    border: none;
    border-radius: 0;
    margin: 0;
    -webkit-appearance: none;
    appearance: none;
}

/* Desktop Log In: keep on one line and never squeezed by the right-side flex div */
#login-link-desktop {
    white-space: nowrap;
    flex-shrink: 0;
    align-self: center;
    padding-left: 16px;
    line-height: 1.25;
}

/* FDIC caption polish */
#FDICbanner figcaption,
#FDICbanner [class*="fdic"],
.fdic-caption {
    font-family: var(--fdicFont) !important;
}

/* ---------------- RESPONSIVE ---------------- */
@media (max-width: 1100px) {
    .card-grid { grid-template-columns: repeat(3, 1fr); }
    .tile-grid { grid-template-columns: repeat(2, 1fr); }
    .footer-top { grid-template-columns: repeat(3, 1fr); }
}

@media (max-width: 900px) {
    .hero-inner { grid-template-columns: 1fr; gap: 28px; }
    .hero-media { order: -1; }
    .value-spotlight { grid-template-columns: 1fr; padding: 28px 24px; }
    .value-grid { grid-template-columns: 1fr; }
    .award-inner { grid-template-columns: 1fr; text-align: center; }
    .award-badge { justify-self: center; }
    .award-copy h2 { margin-left: auto; margin-right: auto; }
    .audience-grid { grid-template-columns: 1fr; }
}

@media (max-width: 768px) {
    .section { padding: 48px 0; }
    .section-title { margin-bottom: 24px; }
    .hero-section { padding: 32px 16px 40px; }
    .hero-copy h1 { font-size: 34px; }
    .hero-copy p { font-size: 16px; margin-bottom: 24px; }
    .card-grid { grid-template-columns: 1fr 1fr; }
    .tile-grid { grid-template-columns: 1fr; }
    .help-grid { grid-template-columns: 1fr; gap: 8px; }
    .footer-top { grid-template-columns: 1fr 1fr; gap: 24px 16px; }
    .footer-legal { flex-direction: column; align-items: flex-start; }
    .modal-overlay { padding: 12px 10px; align-items: flex-start; }
    .modal { margin-top: 24px; border-radius: 10px; }
    .step-panel { padding: 22px 20px 18px; }
    .support-tool-inner { flex-direction: column; align-items: stretch; text-align: center; }
    .btn-support { justify-content: center; }
}

@media (max-width: 520px) {
    .card-grid { grid-template-columns: 1fr; }
    .footer-top { grid-template-columns: 1fr; }
    .hero-actions { width: 100%; }
    .hero-actions .btn-open,
    .hero-actions .btn-ghost { width: 100%; }
}