:root {
  --bg: #faf7f2;
  --surface: #ffffff;
  --ink: #1c2a33;
  --muted: #5a6b75;
  --accent: #2f6f5e;
  --accent-dark: #245849;
  --warm: #c47a3a;
  --border: #e4ddd3;
  --soft: #eef5f2;
  --warn-bg: #fff6e8;
  --radius: 14px;
  --shadow: 0 8px 28px rgba(28, 42, 51, 0.08);
  --max: 1080px;
  --font: "Segoe UI", system-ui, -apple-system, sans-serif;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font);
  color: var(--ink);
  background: linear-gradient(180deg, #f3efe7 0%, var(--bg) 220px);
  line-height: 1.55;
}
a { color: var(--accent-dark); }
img { max-width: 100%; }
.skip {
  position: absolute; left: -9999px;
}
.skip:focus { left: 1rem; top: 1rem; background: #fff; padding: .5rem 1rem; z-index: 10; }
.wrap { width: min(var(--max), calc(100% - 2rem)); margin: 0 auto; }
.site-header {
  background: rgba(255,255,255,.92);
  border-bottom: 1px solid var(--border);
  position: sticky; top: 0; z-index: 20;
  backdrop-filter: blur(8px);
}
.header-inner {
  display: flex; align-items: center; justify-content: space-between;
  gap: 1rem; padding: .85rem 0; flex-wrap: wrap;
}
.logo {
  text-decoration: none; color: var(--ink); font-weight: 700; font-size: 1.15rem;
  display: flex; align-items: center; gap: .55rem;
}
.logo-mark {
  width: 2rem; height: 2rem; border-radius: 10px;
  background: linear-gradient(145deg, var(--accent), #4a9a82);
  display: grid; place-items: center; color: #fff; font-size: .9rem;
}
nav { display: flex; flex-wrap: wrap; gap: .35rem .85rem; }
nav a {
  text-decoration: none; color: var(--muted); font-size: .95rem; font-weight: 600;
  padding: .25rem 0; border-bottom: 2px solid transparent;
}
nav a:hover, nav a[aria-current="page"] { color: var(--accent-dark); border-color: var(--accent); }
.hero {
  padding: 2.6rem 0 1.5rem;
}
.hero-card, .card, .panel {
  background: var(--surface); border: 1px solid var(--border);
  border-radius: var(--radius); box-shadow: var(--shadow);
}
.hero-card { padding: 1.75rem 1.5rem; }
.eyebrow {
  display: inline-block; background: var(--soft); color: var(--accent-dark);
  font-size: .78rem; font-weight: 700; letter-spacing: .04em; text-transform: uppercase;
  padding: .35rem .65rem; border-radius: 999px; margin-bottom: .85rem;
}
h1 { font-size: clamp(1.7rem, 3.4vw, 2.45rem); line-height: 1.2; margin: 0 0 .75rem; }
h2 { font-size: clamp(1.3rem, 2.4vw, 1.7rem); margin: 0 0 .75rem; }
h3 { margin: 0 0 .5rem; font-size: 1.1rem; }
.lead { color: var(--muted); font-size: 1.08rem; margin: 0 0 1.25rem; max-width: 52ch; }
.btn-row { display: flex; flex-wrap: wrap; gap: .7rem; margin: 1rem 0 0; }
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .4rem;
  border-radius: 999px; padding: .7rem 1.15rem; font-weight: 700; text-decoration: none;
  border: 1px solid transparent; cursor: pointer; font-size: .95rem;
}
.btn-primary { background: var(--accent); color: #fff; }
.btn-primary:hover { background: var(--accent-dark); }
.btn-secondary { background: #fff; color: var(--accent-dark); border-color: var(--border); }
.btn-secondary:hover { border-color: var(--accent); }
.grid-3, .grid-2 { display: grid; gap: 1rem; }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
@media (max-width: 860px) {
  .grid-3, .grid-2 { grid-template-columns: 1fr; }
}
.section { padding: 1.5rem 0 2rem; }
.card { padding: 1.2rem 1.15rem; }
.card p { color: var(--muted); margin: .35rem 0 0; }
.tool-link { text-decoration: none; color: inherit; display: block; height: 100%; transition: transform .15s ease; }
.tool-link:hover { transform: translateY(-2px); }
.search-box, .form-box {
  display: flex; flex-wrap: wrap; gap: .6rem; margin-top: 1rem;
}
input[type="search"], input[type="text"], input[type="email"], input[type="number"], select {
  flex: 1 1 220px; min-width: 0; padding: .75rem .9rem; border-radius: 12px;
  border: 1px solid var(--border); font: inherit; background: #fff;
}
label { display: block; font-weight: 650; font-size: .92rem; margin-bottom: .35rem; }
.field { margin-bottom: 1rem; }
.note, .disclosure, .muted { color: var(--muted); font-size: .92rem; }
.callout {
  background: var(--warn-bg); border: 1px solid #f0d7b0; border-radius: 12px;
  padding: .9rem 1rem; margin: 1rem 0; color: #6a4a1f;
}
.table-wrap { overflow-x: auto; border: 1px solid var(--border); border-radius: var(--radius); background: #fff; }
table { width: 100%; border-collapse: collapse; min-width: 720px; }
th, td { text-align: left; padding: .75rem .8rem; border-bottom: 1px solid var(--border); vertical-align: top; font-size: .93rem; }
th { background: var(--soft); font-size: .8rem; text-transform: uppercase; letter-spacing: .03em; color: var(--accent-dark); }
tr:last-child td { border-bottom: 0; }
.badge {
  display: inline-block; padding: .18rem .5rem; border-radius: 999px;
  background: var(--soft); color: var(--accent-dark); font-size: .75rem; font-weight: 700; text-transform: capitalize;
}
.badge.state { background: #eef1ff; color: #36428a; }
.badge.philanthropist { background: #fff0e8; color: #8a4b24; }
.badge.zip { background: #f3eef8; color: #5d3f7a; }
.filters { display: flex; flex-wrap: wrap; gap: .7rem; margin: 1rem 0; }
.filters > * { flex: 1 1 180px; }
.result { font-size: 1.6rem; font-weight: 800; color: var(--accent-dark); }
.checklist { list-style: none; padding: 0; margin: 0; }
.checklist li {
  background: #fff; border: 1px solid var(--border); border-radius: 12px;
  padding: .9rem 1rem; margin-bottom: .65rem; display: flex; gap: .75rem; align-items: flex-start;
}
.checklist input { margin-top: .25rem; transform: scale(1.15); }
.aff-slot {
  border: 1px dashed #c9b69a; background: #fffaf3; border-radius: 12px;
  padding: .85rem 1rem; margin-top: .7rem; color: #6a5537; font-size: .92rem;
}
.site-footer {
  margin-top: 2rem; padding: 2rem 0 2.5rem; border-top: 1px solid var(--border);
  color: var(--muted); font-size: .9rem;
}
.footer-grid { display: grid; gap: 1rem; grid-template-columns: 2fr 1fr; }
@media (max-width: 700px) { .footer-grid { grid-template-columns: 1fr; } }
.byline { font-style: italic; color: var(--muted); }
.story {
  background: #fff; border-left: 4px solid var(--accent); padding: 1rem 1.15rem;
  border-radius: 0 12px 12px 0; margin: 1rem 0;
}
.stat-row { display: flex; flex-wrap: wrap; gap: .7rem; margin-top: 1rem; }
.stat {
  background: var(--soft); border-radius: 12px; padding: .7rem .9rem; min-width: 140px;
}
.stat strong { display: block; font-size: 1.2rem; color: var(--accent-dark); }
.tiny { font-size: .8rem; color: var(--muted); }
.rate-card {
  border: 1px solid var(--border); border-radius: 12px; padding: 1rem; background: #fff; margin-bottom: .75rem;
}
.rate-card .apy { font-size: 1.45rem; font-weight: 800; color: var(--accent-dark); }
.hidden { display: none !important; }

/* Ask widget (opens only on click) */
.ask-btn{position:fixed;left:1rem;bottom:1rem;z-index:50;border:0;border-radius:999px;padding:.7rem 1.1rem;font-weight:700;background:var(--accent-dark,#1f5f4a);color:#fff;cursor:pointer;box-shadow:0 4px 14px rgba(0,0,0,.18)}
.ask-panel{position:fixed;left:1rem;bottom:4.2rem;z-index:50;width:min(360px,calc(100vw - 2rem));max-height:70vh;overflow:auto;background:#fff;border:1px solid var(--border,#ddd);border-radius:14px;padding:1rem;box-shadow:0 10px 30px rgba(0,0,0,.18)}
.ask-head{display:flex;justify-content:space-between;align-items:center;margin-bottom:.5rem}
.ask-close{border:0;background:none;font-size:1.4rem;cursor:pointer}
.ask-form{display:flex;gap:.4rem}.ask-form input{flex:1;padding:.5rem;border:1px solid var(--border,#ccc);border-radius:8px}
.ask-out blockquote{margin:.5rem 0;padding-left:.7rem;border-left:3px solid var(--accent-dark,#1f5f4a)}
.ask-foot{margin-top:.75rem;border-top:1px solid var(--border,#eee);padding-top:.5rem}
.news-list li{margin-bottom:.4rem}
.video-frame{position:relative;padding-top:56.25%}.video-frame iframe{position:absolute;inset:0;width:100%;height:100%;border:0;border-radius:8px}
.table-wrap{overflow-x:auto}

/* ===== Private-bank theme (Oct 16, 2026): navy, ivory, restrained gold ===== */
:root{
  --navy:#1F3A68; --navy-2:#2A4A80; --ivory:#FBF8F1; --cream:#F4EEE2; --gold:#B8975A; --gold-ink:#7A5F2E;
  --bg:var(--ivory); --surface:#FFFFFF; --ink:#14213A; --muted:#4F5B6E;
  --accent:var(--navy); --accent-dark:var(--navy); --warm:var(--gold-ink);
  --border:#E6DECD; --soft:var(--cream); --warn-bg:#FBF3E4;
  --radius:4px; --shadow:0 1px 2px rgba(11,27,51,.05),0 12px 32px rgba(11,27,51,.06);
  --max:1120px; --font:"Inter",system-ui,-apple-system,"Segoe UI",sans-serif; --serif:"Cormorant Garamond","Iowan Old Style",Georgia,serif;
}
body{background:var(--ivory);color:var(--ink);font-family:var(--font);line-height:1.65;font-size:16.5px;-webkit-font-smoothing:antialiased}
a{color:var(--navy);text-decoration-color:var(--gold);text-underline-offset:3px}
a:hover{color:var(--gold-ink)}
h1,h2,h3,.wordmark{font-family:var(--serif);color:var(--navy);font-weight:600;letter-spacing:.005em}
h1{font-size:clamp(2.2rem,4.6vw,3.4rem);line-height:1.1;margin:.4rem 0 1rem}
h2{font-size:clamp(1.6rem,3vw,2.2rem);line-height:1.2;margin:2.4rem 0 .9rem}
h2::after{content:"";display:block;width:56px;height:1px;background:var(--gold);margin-top:.6rem}
h3{font-size:1.35rem;margin:.2rem 0 .5rem}
.lead{font-size:1.12rem;color:var(--muted);max-width:60ch}
.eyebrow{display:inline-block;background:none;color:var(--gold-ink);font:600 .74rem/1 var(--font);letter-spacing:.18em;text-transform:uppercase;padding:0;border-radius:0}
.site-header{background:var(--navy);border-bottom:1px solid var(--gold);backdrop-filter:none}
.header-inner{padding:.9rem 0}
.logo{display:flex;align-items:center;gap:.7rem;text-decoration:none;color:#fff}
.logo-img{width:44px;height:44px;border-radius:50%;border:1px solid rgba(184,151,90,.6)}
.wordmark{color:#F3E7CF;font-size:1.55rem;font-weight:600;letter-spacing:.02em}
nav a{color:#E9E2D3;font-size:.86rem;letter-spacing:.03em;text-decoration:none;border-radius:0;padding:.35rem .5rem;border-bottom:1px solid transparent;background:none}
nav a:hover,nav a[aria-current="page"]{color:#fff;background:none;border-bottom-color:var(--gold)}
.hero-card,.card,.panel{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow)}
.hero-card{background:var(--navy);color:#EFE8DA;border:1px solid var(--navy-2);padding:clamp(2rem,5vw,3.6rem);border-top:2px solid var(--gold)}
.hero-card h1{color:#FBF6EA}.hero-card .lead{color:#D9D2C3}.hero-card .eyebrow{color:#D8BC86}
.hero-card .stat{background:transparent;border:0;border-left:1px solid rgba(184,151,90,.55);border-radius:0;padding:.2rem 1rem}
.hero-card .stat strong{color:#F3E7CF;font-family:var(--serif);font-size:1.9rem}.hero-card .tiny{color:#CFC7B6}
.hero-card .btn-secondary{background:transparent;color:#F3E7CF;border-color:rgba(243,231,207,.6)}
.hero-card .btn-secondary:hover{background:rgba(255,255,255,.06);color:#fff}
.hero-card input[type="search"]{background:#fff}
.section{padding:3rem 0}
.card{padding:1.5rem}.card h3{color:var(--navy)}
.tool-link{text-decoration:none;color:inherit}.tool-link:hover .card{border-color:var(--gold);transform:none}
.btn{border-radius:2px;font-weight:600;letter-spacing:.04em;font-size:.88rem;text-transform:uppercase;padding:.8rem 1.3rem}
.btn-primary{background:var(--gold);color:var(--navy);border:1px solid var(--gold)}
.btn-primary:hover{background:#A8874C;color:var(--navy)}
.btn-secondary{background:transparent;color:var(--navy);border:1px solid var(--navy)}
.btn-secondary:hover{background:var(--navy);color:#fff}
input[type="search"],input[type="text"],input[type="email"],input[type="number"],select{border:1px solid #CFC5B0;border-radius:2px;background:#fff;color:var(--ink)}
input:focus,select:focus,button:focus-visible,a:focus-visible{outline:2px solid var(--gold);outline-offset:2px}
table{border-collapse:collapse;background:#fff;font-variant-numeric:tabular-nums}
th{background:var(--navy);color:#F3E7CF;font:600 .78rem/1.3 var(--font);letter-spacing:.08em;text-transform:uppercase;border-bottom:1px solid var(--gold)}
th,td{padding:.8rem .9rem;border-bottom:1px solid var(--border)}
tbody tr:nth-child(even) td{background:#FCFAF5}
.badge{background:var(--cream);color:var(--navy);border:1px solid var(--border);border-radius:2px}
.badge.state,.badge.philanthropist,.badge.zip{background:var(--cream);color:var(--gold-ink)}
.callout,.note,.disclosure{border-left:2px solid var(--gold)}
.rate-card{border-radius:var(--radius)}.rate-card .apy{color:var(--navy);font-family:var(--serif)}
.site-footer{background:var(--navy);color:#D9D2C3;border-top:1px solid var(--gold)}
.site-footer a{color:#F3E7CF}.site-footer strong{font-family:var(--serif);font-size:1.3rem;color:#F3E7CF}.site-footer .tiny,.site-footer .byline{color:#C4BCAA}
.story{max-width:72ch}
.rule{border:0;border-top:1px solid var(--gold);width:80px;margin:2rem 0}
.pillars{display:grid;gap:1.25rem;grid-template-columns:repeat(auto-fit,minmax(240px,1fr))}
.pillars .card{border-top:2px solid var(--gold)}
.ask-btn{background:var(--navy);color:#F3E7CF;border:1px solid var(--gold);border-radius:2px;letter-spacing:.04em;font-family:var(--font)}
.ask-out blockquote{border-left-color:var(--gold)}
@media (max-width:720px){.header-inner{flex-direction:column;align-items:flex-start;gap:.5rem}nav{display:flex;flex-wrap:wrap;gap:.1rem}.wordmark{font-size:1.35rem}}

/* Brighter navy, light surfaces */
.site-header{background:#fff;border-bottom:1px solid var(--gold)}
.logo{color:var(--navy)}.wordmark{color:var(--navy)}
nav a{color:var(--navy)}nav a:hover,nav a[aria-current="page"]{color:var(--navy);border-bottom-color:var(--gold)}
.hero-card{background:#fff;color:var(--ink);border:1px solid var(--border);border-top:3px solid var(--navy)}
.hero-card h1{color:var(--navy)}.hero-card .lead{color:var(--muted)}.hero-card .eyebrow{color:var(--gold-ink)}
.hero-card .stat strong{color:var(--navy)}.hero-card .tiny{color:var(--muted)}
.hero-card .btn-secondary{color:var(--navy);border-color:var(--navy)}.hero-card .btn-secondary:hover{background:var(--navy);color:#fff}
.btn-primary{background:var(--navy);color:#fff;border-color:var(--navy)}.btn-primary:hover{background:#2A4A80;color:#fff}
.site-footer{background:var(--cream);color:var(--ink);border-top:2px solid var(--navy)}
.site-footer a,.site-footer strong{color:var(--navy)}.site-footer .tiny,.site-footer .byline{color:var(--muted)}
.ask-btn{background:var(--navy);color:#fff}