/* =============================================
   Exchange Bank — Brand CSS
   Domain: exchangebank.co.com
   ============================================= */

:root {
  --brand-primary: #1a3a6b;
  --brand-accent:  #c9a227;
  --brand-light:   #eef2f8;
  --brand-dark:    #0e2248;
  --brand-white:   #ffffff;
  --brand-gray:    #f5f7fa;
  --text-main:     #1c2336;
  --text-muted:    #5a6278;
  --border:        #dde3ee;
  --radius:        8px;
  --radius-lg:     14px;
  --shadow-sm:     0 2px 8px rgba(26,58,107,.10);
  --shadow-md:     0 6px 24px rgba(26,58,107,.14);
  --shadow-lg:     0 12px 48px rgba(26,58,107,.18);
  --transition:    .22s ease;
  --font-sans:     'Inter', system-ui, -apple-system, sans-serif;
  --max-w:         1180px;
}

/* ---- Reset ---- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body { font-family: var(--font-sans); color: var(--text-main); background: #fff; line-height: 1.65; font-size: 16px; }
img, svg { display: block; max-width: 100%; }
a { color: var(--brand-primary); text-decoration: none; }
a:hover { text-decoration: underline; }
ul, ol { list-style: none; }
button { cursor: pointer; border: none; background: none; font-family: inherit; }

/* ---- Skip link ---- */
.skip-link { position: absolute; left: -9999px; top: 4px; padding: 6px 14px; background: var(--brand-primary); color: #fff; border-radius: 4px; font-size: .85rem; z-index: 9999; }
.skip-link:focus { left: 12px; }

/* =============================================
   HEADER
   ============================================= */
.site-header {
  position: fixed; top: 0; left: 0; right: 0; z-index: 900;
  background: rgba(255,255,255,.96);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
}
.header-inner {
  max-width: var(--max-w); margin: 0 auto;
  display: flex; align-items: center; justify-content: space-between;
  padding: 0 24px; height: 68px;
}
.site-logo { display: flex; align-items: center; gap: 10px; text-decoration: none; }
.site-logo img { height: 40px; width: auto; }
.site-logo span { font-size: 1.2rem; font-weight: 700; color: var(--brand-primary); letter-spacing: -.3px; }

/* Main nav */
.main-nav { display: flex; align-items: center; gap: 4px; }
.main-nav > li { position: relative; }
.nav-link {
  display: flex; align-items: center; gap: 4px;
  padding: 8px 14px; border-radius: var(--radius);
  font-size: .9rem; font-weight: 500; color: var(--text-main);
  transition: background var(--transition), color var(--transition);
}
.nav-link:hover, .nav-link[aria-expanded="true"] { background: var(--brand-light); color: var(--brand-primary); text-decoration: none; }
.nav-link .chevron { width: 14px; height: 14px; transition: transform var(--transition); }
.nav-link[aria-expanded="true"] .chevron { transform: rotate(180deg); }

/* Mega-menu dropdown */
.mega-menu {
  display: none; position: absolute; top: calc(100% + 8px); left: 0;
  background: #fff; border: 1px solid var(--border); border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg); padding: 24px; min-width: 560px;
  grid-template-columns: repeat(3, 1fr); gap: 24px;
}
.mega-menu.open { display: grid; }
.mega-col h3 { font-size: .75rem; font-weight: 700; text-transform: uppercase; letter-spacing: .08em; color: var(--brand-accent); margin-bottom: 10px; }
.mega-col a { display: block; padding: 5px 0; font-size: .88rem; color: var(--text-main); }
.mega-col a:hover { color: var(--brand-primary); text-decoration: none; }

/* Header CTA */
.header-cta { display: flex; align-items: center; gap: 10px; margin-left: 16px; }

/* Hamburger */
.hamburger { display: none; flex-direction: column; gap: 5px; padding: 8px; border-radius: var(--radius); }
.hamburger span { display: block; width: 24px; height: 2px; background: var(--brand-primary); border-radius: 2px; transition: transform var(--transition), opacity var(--transition); }
.hamburger.active span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger.active span:nth-child(2) { opacity: 0; }
.hamburger.active span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* =============================================
   MOBILE NAV OVERLAY
   ============================================= */
.mobile-nav {
  display: none; position: fixed; inset: 0; z-index: 850;
  background: #fff; overflow-y: auto; padding: 80px 24px 40px;
  flex-direction: column; gap: 0;
}
.mobile-nav.open { display: flex; }
.mobile-nav a { display: block; padding: 13px 0; font-size: 1rem; font-weight: 500; color: var(--text-main); border-bottom: 1px solid var(--border); }
.mobile-nav a:hover { color: var(--brand-primary); text-decoration: none; }
.mobile-nav .mobile-section-title { font-size: .72rem; font-weight: 700; text-transform: uppercase; letter-spacing: .08em; color: var(--brand-accent); padding: 16px 0 4px; }

/* =============================================
   BUTTONS
   ============================================= */
.btn {
  display: inline-flex; align-items: center; gap: 7px;
  padding: 10px 22px; border-radius: var(--radius);
  font-size: .9rem; font-weight: 600; line-height: 1;
  transition: all var(--transition); text-decoration: none;
  white-space: nowrap;
}
.btn:hover { text-decoration: none; }
.btn-primary { background: var(--brand-primary); color: #fff; }
.btn-primary:hover { background: var(--brand-dark); color: #fff; box-shadow: var(--shadow-md); }
.btn-accent  { background: var(--brand-accent);  color: #fff; }
.btn-accent:hover  { background: #b08c1e; color: #fff; box-shadow: var(--shadow-md); }
.btn-white   { background: #fff; color: var(--brand-primary); border: 2px solid #fff; }
.btn-white:hover   { background: var(--brand-light); color: var(--brand-dark); }
.btn-outline { background: transparent; color: var(--brand-primary); border: 2px solid var(--brand-primary); }
.btn-outline:hover { background: var(--brand-primary); color: #fff; }
.btn-lg { padding: 14px 30px; font-size: 1rem; }
.btn-sm { padding: 7px 16px; font-size: .82rem; }

/* =============================================
   HERO
   ============================================= */
.hero {
  padding: 130px 24px 80px;
  background: linear-gradient(135deg, var(--brand-dark) 0%, var(--brand-primary) 60%, #2a5298 100%);
  color: #fff;
}
.hero-inner {
  max-width: var(--max-w); margin: 0 auto;
  display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center;
}
.hero-text .hero-badge {
  display: inline-flex; align-items: center; gap: 6px;
  background: rgba(201,162,39,.2); border: 1px solid rgba(201,162,39,.5);
  color: #f5d76e; font-size: .8rem; font-weight: 600;
  padding: 4px 12px; border-radius: 20px; margin-bottom: 20px; letter-spacing: .04em;
}
.hero-text h1 { font-size: clamp(2rem, 4vw, 3rem); font-weight: 800; line-height: 1.18; margin-bottom: 20px; letter-spacing: -.5px; }
.hero-text h1 em { color: var(--brand-accent); font-style: normal; }
.hero-text p { font-size: 1.08rem; color: rgba(255,255,255,.85); margin-bottom: 14px; max-width: 520px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 28px; }
.hero-img { border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow-lg); }
.hero-img img { width: 100%; height: 380px; object-fit: cover; }

/* =============================================
   SECTIONS
   ============================================= */
.section { padding: 72px 24px; }
.section-light { background: var(--brand-light); }
.section-gray  { background: var(--brand-gray); }
.section-accent { background: var(--brand-accent); color: #fff; }
.section-dark { background: var(--brand-dark); color: #fff; }
.section-brand-banner { background: var(--brand-primary); color: #fff; }

.section-inner { max-width: var(--max-w); margin: 0 auto; }

.section-header { text-align: center; margin-bottom: 48px; }
.section-header .eyebrow { font-size: .78rem; font-weight: 700; text-transform: uppercase; letter-spacing: .1em; color: var(--brand-accent); margin-bottom: 10px; }
.section-dark .eyebrow, .section-brand-banner .eyebrow { color: #f5d76e; }
.section-header h2 { font-size: clamp(1.6rem, 3vw, 2.4rem); font-weight: 800; letter-spacing: -.3px; margin-bottom: 14px; }
.section-header p { font-size: 1.05rem; color: var(--text-muted); max-width: 640px; margin: 0 auto; }
.section-dark .section-header p, .section-brand-banner .section-header p { color: rgba(255,255,255,.8); }

/* =============================================
   CARDS
   ============================================= */
.card {
  background: #fff; border: 1px solid var(--border);
  border-radius: var(--radius-lg); padding: 28px;
  box-shadow: var(--shadow-sm); transition: box-shadow var(--transition), transform var(--transition);
}
.card:hover { box-shadow: var(--shadow-md); transform: translateY(-3px); }
.card-dark { background: rgba(255,255,255,.07); border-color: rgba(255,255,255,.12); color: #fff; }
.card-dark:hover { background: rgba(255,255,255,.12); }
.card-icon { width: 48px; height: 48px; background: var(--brand-light); border-radius: var(--radius); display: flex; align-items: center; justify-content: center; margin-bottom: 16px; }
.card-dark .card-icon { background: rgba(255,255,255,.1); }
.card-icon svg { width: 24px; height: 24px; stroke: var(--brand-primary); }
.card-dark .card-icon svg { stroke: var(--brand-accent); }
.card h3 { font-size: 1.05rem; font-weight: 700; margin-bottom: 8px; }
.card p { font-size: .9rem; color: var(--text-muted); }
.card-dark p { color: rgba(255,255,255,.75); }
.card .card-link { display: inline-flex; align-items: center; gap: 4px; margin-top: 14px; font-size: .88rem; font-weight: 600; color: var(--brand-primary); }
.card-dark .card-link { color: var(--brand-accent); }

/* =============================================
   GRIDS
   ============================================= */
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }

/* =============================================
   STATS / COUNTER CARDS
   ============================================= */
.stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.stat-card { text-align: center; padding: 32px 16px; }
.stat-card .stat-num { font-size: 2.4rem; font-weight: 800; color: var(--brand-accent); line-height: 1; margin-bottom: 6px; }
.section-brand-banner .stat-card .stat-num { color: #f5d76e; }
.stat-card .stat-label { font-size: .88rem; color: rgba(255,255,255,.8); font-weight: 500; }

/* =============================================
   IMAGE-TEXT ALTERNATING BLOCKS
   ============================================= */
.imgtext { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; padding: 56px 0; border-bottom: 1px solid var(--border); }
.imgtext:last-child { border-bottom: none; }
.imgtext.reverse .imgtext-image { order: 2; }
.imgtext.reverse .imgtext-body { order: 1; }
.imgtext-image img { width: 100%; border-radius: var(--radius-lg); box-shadow: var(--shadow-md); }
.imgtext-body .eyebrow { font-size: .76rem; font-weight: 700; text-transform: uppercase; letter-spacing: .1em; color: var(--brand-accent); margin-bottom: 10px; }
.imgtext-body h2 { font-size: 1.8rem; font-weight: 800; margin-bottom: 14px; letter-spacing: -.3px; }
.imgtext-body p { color: var(--text-muted); margin-bottom: 12px; font-size: .95rem; }
.imgtext-body ul { display: flex; flex-direction: column; gap: 8px; margin: 16px 0; }
.imgtext-body ul li { display: flex; align-items: center; gap: 10px; font-size: .9rem; color: var(--text-muted); }
.imgtext-body ul li::before { content: ""; width: 8px; height: 8px; border-radius: 50%; background: var(--brand-accent); flex-shrink: 0; }

/* =============================================
   LOGO CLOUD / TRUST BADGES
   ============================================= */
.trust-bar { padding: 28px 24px; border-bottom: 1px solid var(--border); background: var(--brand-gray); }
.trust-bar-inner { max-width: var(--max-w); margin: 0 auto; display: flex; align-items: center; justify-content: center; gap: 40px; flex-wrap: wrap; }
.trust-badge { display: flex; align-items: center; gap: 8px; font-size: .82rem; font-weight: 600; color: var(--text-muted); }
.trust-badge img { height: 32px; opacity: .7; filter: grayscale(1); }

.logo-cloud { display: flex; flex-wrap: wrap; align-items: center; justify-content: center; gap: 32px; }
.logo-cloud img { height: 36px; opacity: .55; filter: grayscale(1); transition: opacity var(--transition), filter var(--transition); }
.logo-cloud img:hover { opacity: .9; filter: grayscale(0); }

/* =============================================
   COMPARISON TABLE
   ============================================= */
.comparison-table { width: 100%; border-collapse: collapse; border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow-sm); font-size: .9rem; }
.comparison-table thead tr { background: var(--brand-primary); color: #fff; }
.comparison-table thead th { padding: 14px 18px; text-align: left; font-weight: 700; font-size: .85rem; }
.comparison-table tbody tr:nth-child(even) { background: var(--brand-light); }
.comparison-table tbody tr:hover { background: #dde8f5; }
.comparison-table td { padding: 12px 18px; color: var(--text-main); border-bottom: 1px solid var(--border); }
.comparison-table td:first-child { font-weight: 600; }
.table-wrap { overflow-x: auto; border-radius: var(--radius-lg); margin: 28px 0; }

/* =============================================
   AI SUMMARY CHUNK
   ============================================= */
.ai-chunk {
  border-left: 4px solid var(--brand-accent);
  background: var(--brand-light);
  border-radius: 0 var(--radius) var(--radius) 0;
  padding: 20px 24px;
  margin: 28px 0;
}
.ai-chunk .ai-chunk-title { font-size: .78rem; font-weight: 700; text-transform: uppercase; letter-spacing: .08em; color: var(--brand-accent); margin-bottom: 8px; }
.ai-chunk p { font-size: .93rem; color: var(--text-main); margin: 0; }

/* =============================================
   FAQ ACCORDION
   ============================================= */
.faq-list { display: flex; flex-direction: column; gap: 8px; }
.accordion-item {
  border: 1px solid var(--border); border-radius: var(--radius);
  overflow: hidden; background: #fff;
}
.accordion-item summary {
  display: flex; justify-content: space-between; align-items: center;
  padding: 16px 20px; cursor: pointer; font-weight: 600; font-size: .95rem;
  list-style: none; color: var(--text-main);
  transition: background var(--transition);
}
.accordion-item summary::-webkit-details-marker { display: none; }
.accordion-item summary:hover { background: var(--brand-light); }
.accordion-item[open] summary { background: var(--brand-light); color: var(--brand-primary); }
.accordion-item summary .acc-icon { font-size: 1.2rem; color: var(--brand-accent); flex-shrink: 0; margin-left: 12px; transition: transform var(--transition); }
.accordion-item[open] summary .acc-icon { transform: rotate(45deg); }
.acc-body { padding: 0 20px 16px; font-size: .9rem; color: var(--text-muted); line-height: 1.7; }

/* =============================================
   BREADCRUMBS
   ============================================= */
.breadcrumbs { padding: 14px 24px; background: var(--brand-gray); border-bottom: 1px solid var(--border); font-size: .82rem; }
.breadcrumbs-inner { max-width: var(--max-w); margin: 0 auto; display: flex; align-items: center; gap: 6px; flex-wrap: wrap; color: var(--text-muted); }
.breadcrumbs-inner a { color: var(--brand-primary); }
.breadcrumbs-inner a:hover { text-decoration: underline; }
.breadcrumbs-inner .sep { color: var(--border); }

/* =============================================
   CTA BLOCK
   ============================================= */
.cta-block {
  background: linear-gradient(135deg, var(--brand-dark), var(--brand-primary));
  color: #fff; text-align: center; padding: 72px 24px; border-radius: var(--radius-lg);
  margin: 0 auto;
}
.cta-block h2 { font-size: clamp(1.6rem, 3vw, 2.2rem); font-weight: 800; margin-bottom: 12px; }
.cta-block p { font-size: 1.05rem; color: rgba(255,255,255,.85); margin-bottom: 28px; max-width: 560px; margin-left: auto; margin-right: auto; }
.cta-actions { display: flex; flex-wrap: wrap; gap: 12px; justify-content: center; }

/* =============================================
   TESTIMONIALS
   ============================================= */
.testimonial-card {
  background: #fff; border: 1px solid var(--border);
  border-radius: var(--radius-lg); padding: 28px;
  box-shadow: var(--shadow-sm);
}
.testimonial-card .stars { color: var(--brand-accent); font-size: 1rem; margin-bottom: 12px; letter-spacing: 2px; }
.testimonial-card blockquote { font-size: .93rem; color: var(--text-muted); line-height: 1.7; margin-bottom: 16px; font-style: italic; }
.testimonial-card .author { display: flex; align-items: center; gap: 12px; }
.testimonial-card .author-avatar { width: 40px; height: 40px; border-radius: 50%; background: var(--brand-light); display: flex; align-items: center; justify-content: center; font-weight: 700; font-size: .9rem; color: var(--brand-primary); }
.testimonial-card .author-info .name { font-size: .88rem; font-weight: 700; color: var(--text-main); }
.testimonial-card .author-info .role { font-size: .78rem; color: var(--text-muted); }

/* =============================================
   HOWTO STEPS
   ============================================= */
.howto-steps { display: flex; flex-direction: column; gap: 20px; }
.howto-step { display: flex; gap: 20px; align-items: flex-start; }
.step-circle {
  width: 44px; height: 44px; border-radius: 50%;
  background: var(--brand-primary); color: #fff;
  font-size: 1rem; font-weight: 800;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0; margin-top: 2px;
  box-shadow: 0 4px 12px rgba(26,58,107,.3);
}
.howto-step-body h3 { font-size: 1rem; font-weight: 700; margin-bottom: 4px; }
.howto-step-body p { font-size: .9rem; color: var(--text-muted); }

/* =============================================
   RELATED SERVICES GRID
   ============================================= */
.related-services { margin-top: 48px; }
.related-services h2 { font-size: 1.3rem; font-weight: 700; margin-bottom: 20px; }
.related-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
.related-card { padding: 18px; background: var(--brand-light); border-radius: var(--radius); border: 1px solid var(--border); transition: all var(--transition); }
.related-card:hover { background: var(--brand-primary); color: #fff; text-decoration: none; }
.related-card:hover p { color: rgba(255,255,255,.8); }
.related-card h3 { font-size: .92rem; font-weight: 700; margin-bottom: 4px; }
.related-card p { font-size: .82rem; color: var(--text-muted); margin: 0; }

/* =============================================
   PAGE LAYOUT (inner pages)
   ============================================= */
.page-hero {
  padding: 100px 24px 60px;
  background: linear-gradient(135deg, var(--brand-dark) 0%, var(--brand-primary) 100%);
  color: #fff;
}
.page-hero-inner { max-width: var(--max-w); margin: 0 auto; }
.page-hero h1 { font-size: clamp(1.8rem, 3.5vw, 2.8rem); font-weight: 800; margin-bottom: 14px; letter-spacing: -.3px; }
.page-hero p { font-size: 1.05rem; color: rgba(255,255,255,.85); max-width: 620px; }
.page-content { max-width: var(--max-w); margin: 0 auto; padding: 56px 24px; }
.page-content h2 { font-size: 1.7rem; font-weight: 800; margin: 36px 0 14px; letter-spacing: -.2px; }
.page-content h3 { font-size: 1.2rem; font-weight: 700; margin: 24px 0 10px; }
.page-content p { font-size: .96rem; color: var(--text-muted); margin-bottom: 16px; line-height: 1.75; }
.page-content ul { display: flex; flex-direction: column; gap: 8px; margin: 14px 0 20px; padding-left: 6px; }
.page-content ul li { display: flex; align-items: flex-start; gap: 10px; font-size: .93rem; color: var(--text-muted); }
.page-content ul li::before { content: ""; width: 7px; height: 7px; border-radius: 50%; background: var(--brand-accent); flex-shrink: 0; margin-top: 7px; }

/* =============================================
   FOOTER
   ============================================= */
.site-footer { background: var(--brand-dark); color: rgba(255,255,255,.75); padding: 56px 24px 28px; }
.footer-inner { max-width: var(--max-w); margin: 0 auto; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 40px; margin-bottom: 40px; }
.footer-brand .logo-text { font-size: 1.2rem; font-weight: 800; color: #fff; margin-bottom: 10px; }
.footer-brand p { font-size: .85rem; line-height: 1.7; max-width: 280px; }
.footer-brand .fdic-badge { display: inline-flex; align-items: center; gap: 6px; margin-top: 14px; background: rgba(255,255,255,.07); border: 1px solid rgba(255,255,255,.12); border-radius: 4px; padding: 5px 10px; font-size: .75rem; font-weight: 700; color: rgba(255,255,255,.8); }
.footer-col h4 { font-size: .8rem; font-weight: 700; text-transform: uppercase; letter-spacing: .08em; color: var(--brand-accent); margin-bottom: 14px; }
.footer-col ul { display: flex; flex-direction: column; gap: 8px; }
.footer-col ul li a { font-size: .85rem; color: rgba(255,255,255,.65); transition: color var(--transition); }
.footer-col ul li a:hover { color: #fff; text-decoration: none; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.08); padding-top: 20px; display: flex; flex-wrap: wrap; justify-content: space-between; align-items: center; gap: 12px; font-size: .78rem; color: rgba(255,255,255,.45); }
.footer-bottom a { color: rgba(255,255,255,.55); }
.footer-bottom a:hover { color: #fff; text-decoration: none; }

/* =============================================
   PERFORMANCE
   ============================================= */
.lazy { content-visibility: auto; contain-intrinsic-size: 0 400px; }

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: .01ms !important; transition-duration: .01ms !important; }
}
:focus-visible { outline: 3px solid var(--brand-accent); outline-offset: 3px; border-radius: 4px; }

@media print {
  .site-header, .site-footer, .mobile-nav, .hero-actions, .cta-block { display: none; }
  body { font-size: 12pt; color: #000; }
}

/* =============================================
   RESPONSIVE
   ============================================= */
@media (max-width: 1024px) {
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 768px) {
  .main-nav { display: none; }
  .header-cta { display: none; }
  .hamburger { display: flex; }
  .hero-inner { grid-template-columns: 1fr; }
  .hero-img { display: none; }
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
  .imgtext { grid-template-columns: 1fr; }
  .imgtext.reverse .imgtext-image { order: 0; }
  .imgtext.reverse .imgtext-body { order: 0; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr; }
  .related-grid { grid-template-columns: repeat(2, 1fr); }
  .mega-menu { min-width: 300px; grid-template-columns: 1fr; }
  .trust-bar-inner { gap: 20px; }
}
@media (max-width: 480px) {
  .stats-grid { grid-template-columns: 1fr; }
  .related-grid { grid-template-columns: 1fr; }
  .hero-text h1 { font-size: 1.8rem; }
  .cta-block { padding: 48px 20px; }
}