/* ============================================================
   FIDREON site.css — institutional (credit-union) design system
   v2, 2026-09-22. Single source of truth for every page.
   References: firsttechfed.com, alliantcreditunion.com, monterracu.org
   ============================================================ */

:root{
  /* Ink + structure */
  --navy:#0B2740;
  --navy-deep:#071B2F;
  --navy-700:#16405F;
  --ink:#151A1F;
  --body:#3D4753;
  --muted:#5C6874;
  --line:#DCE1E7;
  --rule:#EFF2F5;
  --surface:#F4F7F9;
  --white:#ffffff;

  /* Accents */
  --sky:#0B6E9E;
  --sky-dark:#084F73;
  --sky-tint:#E8F5FB;

  /* Verdict colours (accept / review / reject) */
  --accept:#0F7A44;
  --accept-tint:#E9F6EF;
  --review:#8C5A06;
  --review-tint:#FCF4E4;
  --reject:#A82439;
  --reject-tint:#FCECEF;

  /* Form */
  --r-sm:4px;
  --r:8px;
  --r-lg:14px;
  --shadow:0 1px 2px rgba(7,27,47,.05), 0 10px 28px rgba(7,27,47,.07);
  --wrap:1240px;
  --narrow:1080px;
  --font:-apple-system,BlinkMacSystemFont,"Segoe UI","Helvetica Neue",Arial,sans-serif;
  --mono:ui-monospace,SFMono-Regular,Menlo,Consolas,monospace;
}

*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{
  margin:0;font-family:var(--font);color:var(--body);background:var(--white);
  font-size:1rem;line-height:1.6;-webkit-font-smoothing:antialiased;
}
img,svg{max-width:100%;height:auto}
a{color:var(--sky)}
a:hover{color:var(--sky-dark)}
h1,h2,h3,h4{color:var(--ink);line-height:1.15;margin:0 0 .6rem;font-weight:650;letter-spacing:-.015em}
p{margin:0 0 1rem}
ul{margin:0 0 1rem;padding-left:1.15rem}
li{margin-bottom:.35rem}
hr{border:0;border-top:1px solid var(--rule);margin:2rem 0}
:focus-visible{outline:2px solid var(--sky);outline-offset:2px}
::selection{background:var(--sky-tint);color:var(--ink)}

.skip-link{position:absolute;left:-9999px;top:0;background:var(--navy);color:#fff;padding:10px 16px;z-index:200;font-size:.875rem}
.skip-link:focus{left:0}

.wrap{max-width:var(--wrap);margin:0 auto;padding:0 1.75rem}
.narrow{max-width:var(--narrow);margin:0 auto;padding:0 1.75rem}
.eyebrow{
  display:block;font-size:.6875rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;
  color:var(--sky);margin-bottom:.75rem;
}
.eyebrow.on-dark{color:#8FD4F2}
.muted{color:var(--muted);font-size:.9375rem}
.small{font-size:.8125rem}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}

/* ---------- Disclosure / fraud-alert bar (Monterra pattern) ---------- */
.notice{
  background:var(--reject);color:#fff;font-size:.8125rem;line-height:1.45;
}
.notice .wrap{display:flex;align-items:center;gap:.75rem;padding-top:.55rem;padding-bottom:.55rem}
.notice strong{font-weight:700;letter-spacing:.01em}
.notice a{color:#fff;text-decoration:underline}
.notice-x{
  margin-left:auto;background:transparent;border:1px solid rgba(255,255,255,.45);color:#fff;
  border-radius:999px;width:26px;height:26px;line-height:1;cursor:pointer;font-size:.875rem;flex:none;
}
.notice-x:hover{background:rgba(255,255,255,.12)}
.notice[hidden]{display:none}

/* ---------- Utility bar (First Tech / Monterra pattern) ---------- */
.util{background:var(--surface);border-bottom:1px solid var(--line);font-size:.8125rem}
.util .wrap{display:flex;align-items:center;gap:1.25rem;min-height:38px;padding-top:.35rem;padding-bottom:.35rem}
.util a{color:var(--muted);text-decoration:none}
.util a:hover{color:var(--ink);text-decoration:underline}
.util .u-right{margin-left:auto;display:flex;align-items:center;gap:1.25rem}
.util .u-sep{color:var(--line)}
.status-dot{
  width:7px;height:7px;border-radius:50%;background:var(--accept);display:inline-block;
  margin-right:.45rem;vertical-align:1px;
}
.status-dot.unknown{background:var(--muted)}
.util .u-status{color:var(--muted);display:flex;align-items:center}

/* ---------- Header (white, sticky, hairline rule) ---------- */
.hdr{background:var(--white);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:120}
.hdr .wrap{display:flex;align-items:center;gap:2rem;min-height:74px;padding-top:.5rem;padding-bottom:.5rem}
.logo{display:flex;align-items:center;gap:.6rem;text-decoration:none;flex:none}
.brandmark{width:30px;height:30px;flex:none}
.wordmark{font-size:1.3125rem;font-weight:750;letter-spacing:.01em;color:var(--navy);line-height:1}
.wordmark span{color:var(--sky)}
.logo-sub{display:block;font-size:.5625rem;letter-spacing:.19em;text-transform:uppercase;color:var(--muted);margin-top:3px;font-weight:600}
.nav{display:flex;align-items:center;gap:1.5rem;margin-left:.5rem}
.nav a{
  color:var(--ink);text-decoration:none;font-size:.75rem;font-weight:650;letter-spacing:.07em;
  text-transform:uppercase;padding:.35rem 0;border-bottom:2px solid transparent;white-space:nowrap;
}
.nav a:hover{color:var(--sky);border-bottom-color:var(--sky)}
.nav a.on{color:var(--navy);border-bottom-color:var(--navy)}
.hdr-actions{margin-left:auto;display:flex;align-items:center;gap:.6rem;flex:none}

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:.5rem;
  font-family:var(--font);font-size:.8125rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;
  padding:.72rem 1.15rem;border-radius:var(--r-sm);border:1px solid transparent;cursor:pointer;
  text-decoration:none;white-space:nowrap;
}
.btn-primary{background:var(--sky);border-color:var(--sky);color:#fff}
.btn-primary:hover{background:var(--sky-dark);border-color:var(--sky-dark);color:#fff}
.btn-navy{background:var(--navy);border-color:var(--navy);color:#fff}
.btn-navy:hover{background:var(--navy-700);border-color:var(--navy-700);color:#fff}
.btn-ghost{background:transparent;border-color:var(--line);color:var(--ink)}
.btn-ghost:hover{border-color:var(--navy);color:var(--navy)}
.btn-on-dark{background:#fff;border-color:#fff;color:var(--navy)}
.btn-on-dark:hover{background:var(--sky-tint);border-color:var(--sky-tint);color:var(--navy)}
.btn-on-dark-ghost{background:transparent;border-color:rgba(255,255,255,.45);color:#fff}
.btn-on-dark-ghost:hover{border-color:#fff;color:#fff;background:rgba(255,255,255,.08)}
.btn-sm{padding:.5rem .85rem;font-size:.75rem}
.btn-block{width:100%}
.link-arrow{
  font-size:.75rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--sky);
  text-decoration:none;
}
.link-arrow:hover{color:var(--sky-dark);text-decoration:underline}

/* ---------- Hero (dark institutional band + real specimen) ---------- */
.hero{background:var(--navy);color:#fff;position:relative;overflow:hidden}
.hero::after{
  content:"";position:absolute;inset:0;pointer-events:none;
  background:
    linear-gradient(115deg, rgba(255,255,255,.05) 0 22%, transparent 22%),
    linear-gradient(115deg, transparent 62%, rgba(11,110,158,.35) 62% 100%);
}
.hero .wrap{position:relative;z-index:1;padding-top:4.25rem;padding-bottom:4.25rem}
.hero-grid{display:grid;grid-template-columns:minmax(0,1.08fr) minmax(0,.92fr);gap:3.5rem;align-items:center}
.hero h1{
  color:#fff;font-size:clamp(2.15rem,4.3vw,3.4rem);font-weight:400;letter-spacing:-.025em;
  line-height:1.08;margin-bottom:1.15rem;max-width:19ch;
}
.hero h1 em{font-style:normal;color:#8FD4F2}
.hero-lede{color:rgba(255,255,255,.82);font-size:1.125rem;line-height:1.6;max-width:54ch;margin-bottom:1.75rem}
.hero-actions{display:flex;flex-wrap:wrap;gap:.75rem;align-items:center}
.hero-foot{margin-top:2rem;padding-top:1.25rem;border-top:1px solid rgba(255,255,255,.16);display:flex;flex-wrap:wrap;gap:1.75rem}
.hero-foot div{font-size:.8125rem;color:rgba(255,255,255,.72)}
.hero-foot b{display:block;color:#fff;font-size:1.5rem;font-weight:700;font-variant-numeric:tabular-nums;letter-spacing:-.02em}
.hero-note{margin:1.1rem 0 0;font-size:.75rem;line-height:1.55;color:rgba(255,255,255,.6);max-width:56ch}

/* Specimen panel — the real registry state, rendered live */
.panel{background:#fff;border-radius:var(--r-lg);box-shadow:0 18px 44px rgba(3,14,26,.35);overflow:hidden;color:var(--body)}
.panel-hd{
  padding:1rem 1.25rem;border-bottom:1px solid var(--line);display:flex;align-items:center;gap:.75rem;
}
.panel-hd h2{font-size:.9375rem;margin:0;letter-spacing:-.01em}
.panel-hd .tag{margin-left:auto}
.panel-bd{padding:1.25rem}
.kv{display:grid;grid-template-columns:1fr auto;gap:.5rem 1rem;font-size:.875rem;margin:0}
.kv dt{color:var(--muted)}
.kv dd{margin:0;text-align:right;font-weight:700;color:var(--ink);font-variant-numeric:tabular-nums}
.panel-ft{
  padding:.85rem 1.25rem;border-top:1px solid var(--line);background:var(--surface);
  font-size:.75rem;color:var(--muted);display:flex;justify-content:space-between;gap:1rem;flex-wrap:wrap;
}
.verdict{
  display:flex;align-items:center;gap:.6rem;padding:.7rem .9rem;border-radius:var(--r-sm);
  font-size:.8125rem;font-weight:650;margin-bottom:.5rem;
}
.verdict.accept{background:var(--accept-tint);color:var(--accept)}
.verdict.review{background:var(--review-tint);color:var(--review)}
.verdict.reject{background:var(--reject-tint);color:var(--reject)}
.verdict i{
  width:8px;height:8px;border-radius:50%;background:currentColor;display:inline-block;flex:none;
}

/* ---------- Quick actions (Alliant pattern) ---------- */
.quick{border-bottom:1px solid var(--line);background:#fff}
.quick .wrap{display:grid;grid-template-columns:repeat(3,1fr);gap:0;padding-top:0;padding-bottom:0}
.quick a{
  display:flex;align-items:center;gap:.9rem;padding:1.35rem 1.5rem;text-decoration:none;color:var(--ink);
  border-left:1px solid var(--line);
}
.quick a:first-child{border-left:0}
.quick a:hover{background:var(--surface)}
.quick svg{width:20px;height:20px;flex:none;color:var(--sky)}
.quick b{display:block;font-size:.875rem;font-weight:700}
.quick span{display:block;font-size:.8125rem;color:var(--muted)}
.quick .arrow{margin-left:auto;color:var(--muted);font-weight:700}

/* ---------- Sections ---------- */
.sec{padding:4.25rem 0}
.sec.alt{background:var(--surface);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.sec-hd{max-width:70ch;margin-bottom:2.25rem}
.sec-hd h2{font-size:clamp(1.5rem,2.4vw,1.9rem);font-weight:600}
.sec-hd p{margin:0;color:var(--muted)}

/* ---------- Tiles (product grid, First Tech pattern) ---------- */
.tiles{display:grid;grid-template-columns:repeat(3,1fr);gap:1.25rem}
.tile{
  border:1px solid var(--line);border-radius:var(--r);padding:1.4rem;background:#fff;
  display:flex;flex-direction:column;gap:.5rem;text-decoration:none;color:var(--body);height:100%;
}
.tile:hover{border-color:var(--navy);color:var(--body)}
.tile-ico{
  width:40px;height:40px;border:1px solid var(--line);border-radius:var(--r-sm);display:flex;
  align-items:center;justify-content:center;color:var(--sky);margin-bottom:.35rem;
}
.tile h3{font-size:1rem;margin:0}
.tile p{margin:0;font-size:.875rem;color:var(--muted)}
.tile .tile-meta{margin-top:auto;padding-top:.75rem;font-size:.75rem;color:var(--muted);letter-spacing:.04em;text-transform:uppercase;font-weight:650}

/* ---------- Ruled rows (not cards) ---------- */
.rows{border-top:1px solid var(--line)}
.row{display:grid;grid-template-columns:220px 1fr;gap:2rem;padding:1.5rem 0;border-bottom:1px solid var(--line)}
.row h3{font-size:1rem;margin:0 0 .3rem}
.row p{margin:0;font-size:.9375rem}
.row .row-key{display:flex;flex-direction:column;gap:.5rem;align-items:flex-start}
.row p code{font-size:.8125rem}

/* ---------- Stat grid ---------- */
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(210px,1fr));gap:14px;margin:1.2rem 0}
.stat{border:1px solid var(--line);border-radius:var(--r);padding:14px 16px;background:#fff}
.stat .k{font-size:.6875rem;text-transform:uppercase;letter-spacing:.09em;color:var(--muted);margin-bottom:4px;font-weight:650}
.stat .v{font-size:1.4rem;font-weight:700;letter-spacing:-.02em;color:var(--ink);font-variant-numeric:tabular-nums}

/* ---------- Badges / pills ---------- */
.badges{display:flex;flex-wrap:wrap;gap:.6rem;margin:1.25rem 0}
.badge{
  display:inline-flex;align-items:center;gap:.5rem;border:1px solid var(--line);border-radius:999px;
  padding:.45rem .85rem;font-size:.75rem;font-weight:650;color:var(--ink);background:#fff;
}
.badge svg{width:14px;height:14px;color:var(--sky);flex:none}
.badge.on-dark{border-color:rgba(255,255,255,.28);background:transparent;color:#fff}
.badge.on-dark svg{color:#8FD4F2}
.pill{
  display:inline-block;font-size:.6875rem;font-weight:700;padding:2px 8px;border-radius:999px;
  border:1px solid var(--line);color:var(--muted);text-transform:uppercase;letter-spacing:.05em;
}
.pill.g{color:var(--accept);border-color:var(--accept)}
.pill.y{color:var(--review);border-color:var(--review)}
.pill.r{color:var(--reject);border-color:var(--reject)}
.tag{
  font-size:.6875rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--accept);
  background:var(--accept-tint);border-radius:999px;padding:.2rem .6rem;
}

/* ---------- Tables (rates-table pattern) ---------- */
.tablewrap{overflow-x:auto;-webkit-overflow-scrolling:touch;margin:1rem 0 1.5rem}
table{border-collapse:collapse;width:100%;font-size:.9375rem;margin:0}
.tablewrap table{margin:0}
th{
  text-align:left;font-size:.6875rem;text-transform:uppercase;letter-spacing:.09em;color:var(--muted);
  border-bottom:1px solid var(--line);padding:8px 12px 8px 0;font-weight:700;vertical-align:bottom;
}
td{padding:12px 12px 12px 0;border-bottom:1px solid var(--rule);vertical-align:top}
tbody tr:hover{background:var(--surface)}
.num{font-variant-numeric:tabular-nums;font-weight:700;color:var(--ink)}
.api-method{display:inline-block;padding:2px 7px;border-radius:3px;font-size:.6875rem;font-weight:700;letter-spacing:.04em}
.api-get{background:var(--sky-tint);color:var(--sky-dark)}
.api-post{background:var(--accept-tint);color:var(--accept)}
.api-path{font-family:var(--mono);font-size:.8125rem;color:var(--navy);font-weight:600;word-break:break-word}

/* ---------- Code ---------- */
code{background:var(--surface);padding:2px 6px;border-radius:3px;font-size:.85em;font-family:var(--mono);color:var(--navy)}
pre{
  background:var(--navy-deep);color:#E4EDF4;padding:16px 18px;border-radius:var(--r);overflow-x:auto;
  font-size:.8125rem;line-height:1.6;margin:.9rem 0 1.2rem;font-family:var(--mono);
}
pre code{background:none;color:inherit;padding:0}
.c-comment{color:#7D93A6}
.c-key{color:#9CC7E8}
.c-str{color:#A8D69A}
.c-fn{color:#E3B778}

/* ---------- Developer band ---------- */
.dev{background:var(--navy-deep);color:rgba(255,255,255,.8)}
.dev .wrap{padding-top:4rem;padding-bottom:4rem}
.dev-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.05fr);gap:3rem;align-items:center}
.dev h2{color:#fff;font-size:clamp(1.4rem,2.2vw,1.75rem);font-weight:600}
.dev p{color:rgba(255,255,255,.78)}
.dev a:not(.btn){color:#8FD4F2}

/* ---------- Footer ---------- */
.footer{background:var(--navy-deep);color:rgba(255,255,255,.72);font-size:.8125rem;padding:3.25rem 0 1.5rem}
.footer-grid{display:grid;grid-template-columns:1.4fr repeat(3,1fr);gap:2rem 2.5rem}
.footer h4{color:#fff;font-size:.6875rem;text-transform:uppercase;letter-spacing:.11em;margin-bottom:.85rem;font-weight:700}
.footer ul{list-style:none;padding:0;margin:0}
.footer li{margin-bottom:.5rem}
.footer a{color:rgba(255,255,255,.72);text-decoration:none}
.footer a:hover{color:#fff;text-decoration:underline}
.footer-brand .wordmark{color:#fff}
.footer-brand p{margin:.85rem 0 0;max-width:34ch;color:rgba(255,255,255,.6)}
.footer-disc{
  margin-top:2.5rem;padding-top:1.5rem;border-top:1px solid rgba(255,255,255,.14);
  font-size:.75rem;line-height:1.65;color:rgba(255,255,255,.56);max-width:100ch;
}
.footer-disc strong{color:rgba(255,255,255,.78)}
.footer-bottom{
  margin-top:1.5rem;padding-top:1.25rem;border-top:1px solid rgba(255,255,255,.14);
  display:flex;flex-wrap:wrap;gap:.75rem 1.75rem;align-items:center;font-size:.75rem;
  color:rgba(255,255,255,.56);
}
.footer-bottom .sp{margin-left:auto}
.footer .badge{color:rgba(255,255,255,.8)}

/* ---------- Sub-page shell ---------- */
main.page{max-width:var(--narrow);margin:0 auto;padding:3rem 1.75rem 5rem}
main.page h1{font-size:clamp(1.75rem,3vw,2.25rem);font-weight:600;margin-bottom:.7rem;max-width:24ch}
main.page .lede{font-size:1.0625rem;color:var(--muted);max-width:78ch;margin-bottom:2rem}
main.page h2{font-size:1.125rem;font-weight:650;margin:2.6rem 0 .8rem;color:var(--navy)}
main.page h3{font-size:.9375rem;margin:1.6rem 0 .5rem}
main.page p{max-width:84ch}
main.page .crumb{font-size:.75rem;text-transform:uppercase;letter-spacing:.1em;color:var(--muted);margin-bottom:1rem;display:block}
main.page .foot-note{margin-top:2.5rem;padding-top:1.25rem;border-top:1px solid var(--rule);font-size:.8125rem;color:var(--muted)}
.card{border:1px solid var(--line);border-radius:var(--r);background:#fff;padding:1.25rem;display:flex;flex-wrap:wrap;gap:.75rem;align-items:center;margin:1rem 0 1.5rem}
.ok{color:var(--accept);font-weight:700}
.bad{color:var(--reject);font-weight:700}
label{display:block;font-size:.8125rem;font-weight:650;color:var(--ink);margin-bottom:.35rem}
input[type=text],input[type=search],select{
  font-family:var(--font);font-size:.9375rem;padding:.65rem .8rem;border:1px solid var(--line);
  border-radius:var(--r-sm);min-width:260px;color:var(--ink);background:#fff;
}
input[type=text]:focus,input[type=search]:focus,select:focus{border-color:var(--sky)}
.form-row{display:flex;flex-wrap:wrap;gap:.75rem;align-items:flex-end;margin:1rem 0 1.5rem}
.hint{font-size:.8125rem;color:var(--muted)}

/* ---------- Responsive ---------- */
.hero-grid>*,.dev-grid>*,.tiles>*,.quick a,.footer-grid>*{min-width:0}
.panel,.tablewrap,pre{max-width:100%}
@media (max-width:1080px){
  .hdr .wrap{flex-wrap:wrap;gap:.75rem 1.5rem;padding-top:.75rem;padding-bottom:.75rem}
  .nav{order:3;width:100%;margin-left:0;gap:1.15rem;overflow-x:auto;padding-bottom:.15rem}
  .hdr-actions{margin-left:auto}
  .hero-grid,.dev-grid{grid-template-columns:1fr;gap:2.5rem}
  .tiles{grid-template-columns:repeat(2,1fr)}
  .footer-grid{grid-template-columns:1fr 1fr}
}
@media (max-width:900px){
  .util{font-size:.75rem}
  .util .wrap{flex-wrap:wrap;gap:.4rem 1rem}
  .util .u-sep{display:none}
  .util .u-right{margin-left:0;flex-wrap:wrap;gap:.4rem 1rem}
  .hdr .wrap{gap:.7rem 1.15rem}
}
@media (max-width:760px){
  .wrap,.narrow{padding:0 1.15rem}
  body{overflow-x:hidden}
  .nav{flex-wrap:wrap;overflow:visible;gap:.9rem 1.15rem}
  .hdr-actions{gap:.5rem}
  .hdr-actions .btn-ghost{display:none}
  .tablewrap table{min-width:0}
  .tablewrap td,.tablewrap th{padding-right:14px}
  .quick .wrap{grid-template-columns:1fr}
  .quick a{border-left:0;border-top:1px solid var(--line)}
  .quick a:first-child{border-top:0}
  .tiles{grid-template-columns:1fr}
  .row{grid-template-columns:1fr;gap:.6rem}
  .hero-foot{gap:1.25rem}
  .hero-foot div{flex:1 1 40%}
  .panel-ft{flex-direction:column;gap:.35rem}
  .sec{padding:3rem 0}
  .hero .wrap{padding-top:3rem;padding-bottom:3rem}
  .footer-grid{grid-template-columns:1fr}
  input[type=text],input[type=search]{min-width:0;width:100%}
}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *{transition:none !important;animation:none !important}
}
@media print{
  .notice,.util,.hdr-actions,.quick{display:none}
}