@import url('https://fonts.googleapis.com/css2?family=Inter:wght@400;500;600;700;800&family=Playfair+Display:wght@600;700;900&display=swap');

:root {
  color-scheme: light;
  --ink: #111827;
  --muted: #4b5563;
  --teal: #3a56e8;
  --teal-dark: #0d1a3e;
  --teal-pale: #eef1fd;
  --rate-green: #1a6b3c;
  --line: #e5e7eb;
  --paper: #fff;
  --soft: #f9fafb;
  --serif: 'Playfair Display', Georgia, serif;
  --sans: 'Inter', Arial, sans-serif;
  font-family: var(--sans);
  color: var(--ink);
  background: var(--paper);
  font-synthesis: none;
  text-rendering: optimizeLegibility;
}

*,
*::before,
*::after { box-sizing: border-box; }

html { scroll-behavior: smooth; }
body { min-width: 320px; margin: 0; font-family: var(--sans); line-height: 1.55; }
a { color: inherit; }
button { font: inherit; }
.container { width: min(1160px, calc(100% - 48px)); margin-inline: auto; }

.announcement-bar { padding: 9px 16px; color: #fff; text-align: center; font-size: 13px; }
.announcement-bar a { margin-left: 6px; color: inherit; font-weight: 700; text-underline-offset: 3px; }
.site-header { position: sticky; z-index: 20; top: 0; background: rgba(255,255,255,.97); border-bottom: 1px solid var(--line); }
.header-inner { width: min(1240px, calc(100% - 48px)); min-height: 76px; margin-inline: auto; display: flex; align-items: center; justify-content: space-between; gap: 26px; }
.site-logo { display: inline-flex; align-items: center; gap: 10px; flex: 0 0 auto; color: var(--ink); text-decoration: none; }
.logo-icon { display: flex; flex-direction: column; justify-content: center; gap: 5px; width: 38px; height: 38px; }
.logo-stripe { display: block; width: 32px; height: 8px; border-radius: 2px; background: var(--teal); transform: skewX(-18deg); }
.logo-stripe + .logo-stripe { width: 23px; margin-left: 4px; }
.logo-text-wrap { display: flex; flex-direction: column; }
.logo-name { font-family: var(--serif); font-size: 16px; font-weight: 700; line-height: 1.1; }
.logo-tagline { color: var(--muted); font-size: 9px; letter-spacing: .1em; text-transform: uppercase; }
.main-nav { display: flex; align-items: center; gap: 4px; }
.nav-item { position: relative; }
.nav-link { display: inline-flex; align-items: center; gap: 7px; padding: 12px 11px; border: 0; background: none; color: #374151; font-size: 13px; font-weight: 600; text-decoration: none; white-space: nowrap; cursor: pointer; }
.nav-link:hover, .nav-link:focus-visible { color: var(--teal); }
.mega-menu { position: absolute; top: 100%; left: 0; z-index: 30; display: none; grid-template-columns: repeat(3, minmax(175px, 1fr)); gap: 24px; min-width: 600px; padding: 24px; background: #fff; border: 1px solid var(--line); box-shadow: 0 16px 35px rgba(13,26,62,.14); }
.nav-item:hover .mega-menu, .nav-item:focus-within .mega-menu { display: grid; }
.mega-col h5 { margin: 0 0 12px; color: var(--ink); font-size: 12px; text-transform: uppercase; }
.mega-col ul, .footer-col ul { margin: 0; padding: 0; list-style: none; }
.mega-col li + li { margin-top: 8px; }
.mega-col a { display: flex; gap: 8px; align-items: center; color: var(--muted); font-size: 12px; text-decoration: none; }
.mega-col a:hover { color: var(--teal); }
.header-right { display: flex; align-items: center; gap: 10px; }
.btn-search, .nav-toggle { display: inline-grid; place-items: center; width: 38px; height: 38px; border: 0; border-radius: 6px; background: transparent; color: var(--ink); cursor: pointer; }
.btn-search:hover, .nav-toggle:hover { background: var(--soft); }
.btn-login, .btn-open-account { display: inline-flex; align-items: center; justify-content: center; min-height: 40px; padding: 0 15px; border-radius: 5px; font-size: 12px; font-weight: 700; text-decoration: none; white-space: nowrap; }
.btn-login { border: 1px solid var(--line); }
.btn-open-account { background: var(--teal); color: #fff; }
.btn-open-account:hover, .btn-hero-primary:hover, .btn-open-now:hover { background: var(--teal-dark); }
.nav-toggle { display: none; }

.hero { padding: 64px 0 56px; background: linear-gradient(110deg, #f4f6ff 0%, #fff 54%, #eef1fd 100%); }
.hero-layout { display: grid; grid-template-columns: minmax(0, 1.08fr) minmax(340px, .92fr); align-items: center; gap: 44px; }
.hero-content { min-width: 0; }
.hero-eyebrow { display: inline-flex; align-items: center; gap: 8px; margin-bottom: 18px; color: var(--teal); font-size: 11px; font-weight: 700; letter-spacing: .07em; text-transform: uppercase; }
.hero-content h1 { margin: 0 0 18px; font-family: var(--serif); font-size: clamp(42px, 5vw, 64px); line-height: 1.06; letter-spacing: 0; }
.hero-content h1 span { color: var(--teal); }
.hero-content > p { max-width: 570px; margin: 0; color: var(--muted); font-size: 16px; }
.hero-btns { display: flex; flex-wrap: wrap; gap: 11px; margin-top: 25px; }
.btn-hero-primary, .btn-hero-outline { display: inline-flex; align-items: center; gap: 9px; min-height: 46px; padding: 0 18px; border: 1px solid var(--teal); border-radius: 5px; font-size: 13px; font-weight: 700; text-decoration: none; }
.btn-hero-primary { background: var(--teal); color: #fff; }
.btn-hero-outline { color: var(--teal); }
.btn-hero-outline:hover { background: var(--teal-pale); }
.hero-cards { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 10px; margin-top: 30px; }
.rate-card { min-width: 0; padding: 13px; border: 1px solid var(--line); border-radius: 6px; background: #fff; box-shadow: 0 5px 18px rgba(13,26,62,.06); }
.rate-card.featured { border-top: 3px solid var(--rate-green); }
.rate-card-label { color: var(--muted); font-size: 10px; font-weight: 600; }
.rate-card-apy { margin-top: 8px; font-family: var(--serif); font-size: 28px; font-weight: 700; line-height: 1; }
.rate-card-apy sup { margin-right: 2px; color: var(--rate-green); font-family: var(--sans); font-size: 13px; }
.rate-card-type { color: var(--muted); font-size: 9px; font-weight: 700; letter-spacing: .12em; }
.rate-card-link { display: inline-flex; gap: 6px; align-items: center; margin-top: 10px; color: var(--teal); font-size: 10px; font-weight: 700; text-decoration: none; }
.hero-right { min-width: 0; }
.hero-img-wrap { overflow: hidden; border-radius: 8px; box-shadow: 0 18px 45px rgba(13,26,62,.18); }
.hero-badge-float { position: absolute; right: -18px; bottom: 18px; display: flex; align-items: center; gap: 11px; padding: 12px 15px; border: 1px solid var(--line); border-radius: 6px; background: #fff; box-shadow: 0 8px 24px rgba(13,26,62,.12); }
.hero-badge-float > div { display: flex; flex-direction: column; }

.trust-bar { padding: 17px 0; background: var(--teal-dark); color: #fff; }
.trust-bar-inner { display: flex; align-items: center; justify-content: space-between; gap: 14px; }
.trust-item { display: inline-flex; align-items: center; gap: 8px; font-size: 11px; font-weight: 600; white-space: nowrap; }
.trust-item i { color: #86efac; }
.trust-divider { width: 1px; height: 22px; background: rgba(255,255,255,.25); }
.section { padding: 76px 0; }
.section-alt { background: var(--soft); }
.section-teal { background: var(--teal-dark); color: #fff; }
.section-header { max-width: 700px; margin: 0 auto 36px; text-align: center; }
.section-tag { margin-bottom: 10px; color: var(--teal); font-size: 10px; font-weight: 800; letter-spacing: .12em; text-transform: uppercase; }
.section-tag.light { color: #86efac; }
.section-header h2, .app-content h2 { margin: 0 0 12px; font-family: var(--serif); font-size: 38px; line-height: 1.16; }
.section-header p, .app-content > p { margin: 0; color: var(--muted); font-size: 14px; }
.section-header.light p { color: rgba(255,255,255,.72); }

.products-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 16px; }
.product-card { display: flex; flex-direction: column; overflow: hidden; border: 1px solid var(--line); border-radius: 6px; background: #fff; box-shadow: 0 4px 16px rgba(13,26,62,.04); }
.product-card-header { padding: 22px 22px 16px; }
.product-icon { display: grid; place-items: center; width: 40px; height: 40px; margin-bottom: 14px; border-radius: 6px; background: var(--teal-pale); color: var(--teal); }
.product-card h3 { margin: 0 0 7px; font-family: var(--serif); font-size: 18px; }
.product-card-header p { min-height: 60px; margin: 0; color: var(--muted); font-size: 12px; }
.product-rate-box { padding: 15px 22px; border-block: 1px solid var(--line); background: #f9fafb; }
.apy-label, .apy-note { color: var(--muted); font-size: 10px; }
.apy-number { color: var(--rate-green); font-family: var(--serif); font-size: 34px; font-weight: 700; line-height: 1.15; }
.apy-number sup { font-family: var(--sans); font-size: 14px; }
.product-card-footer { flex: 1; padding: 16px 22px 20px; }
.product-features { display: grid; gap: 7px; margin: 0 0 16px; padding: 0; list-style: none; color: var(--muted); font-size: 11px; }
.product-features i { width: 17px; color: var(--teal); }
.btn-open-now { display: inline-flex; align-items: center; justify-content: center; min-height: 36px; padding: 0 14px; border-radius: 4px; background: var(--teal); color: #fff; font-size: 11px; font-weight: 700; text-decoration: none; }

.rates-preview-grid { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 13px; }
.rate-preview-card { padding: 20px 14px; border: 1px solid var(--line); border-radius: 6px; background: #fff; text-align: center; }
.rate-preview-card > i { color: var(--teal); }
.rate-preview-card h4 { margin: 8px 0; font-size: 12px; }
.rate-big { color: var(--rate-green); font-family: var(--serif); font-size: 34px; font-weight: 700; }
.rate-big sup { font-family: var(--sans); font-size: 14px; }
.rate-term { color: var(--muted); font-size: 10px; }
.text-center { text-align: center; }
.mt-40 { margin-top: 30px; }
.btn-primary { display: inline-flex; align-items: center; gap: 8px; padding: 12px 18px; border-radius: 4px; background: var(--teal); color: #fff; font-size: 12px; font-weight: 700; text-decoration: none; }

.features-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 30px; }
.feature-item { padding: 4px 0; }
.feature-icon { display: grid; place-items: center; width: 42px; height: 42px; margin-bottom: 13px; border: 1px solid rgba(255,255,255,.2); border-radius: 6px; color: #86efac; }
.feature-item h3 { margin: 0 0 8px; font-family: var(--serif); font-size: 17px; }
.feature-item p { margin: 0; color: rgba(255,255,255,.7); font-size: 12px; }
.app-section { display: grid; grid-template-columns: 1fr 1fr; align-items: center; gap: 48px; }
.app-content h2 { max-width: 520px; }
.app-content > p { max-width: 540px; }
.app-features { display: grid; gap: 13px; margin-top: 23px; }
.app-feature { display: flex; align-items: center; gap: 12px; }
.app-feature-icon { display: grid; place-items: center; flex: 0 0 38px; height: 38px; border-radius: 6px; background: var(--teal-pale); color: var(--teal); }
.app-feature-text { color: var(--ink); font-size: 12px; font-weight: 600; }

.footer { padding: 52px 0 0; background: var(--teal-dark); color: rgba(255,255,255,.76); }
.footer-grid { display: grid; grid-template-columns: 1.5fr repeat(4, 1fr); gap: 32px; padding-bottom: 34px; }
.footer-brand .logo-name { color: #fff; }
.footer-brand .logo-tagline { color: rgba(255,255,255,.55); }
.footer-brand .logo-stripe { background: #fff; }
.footer-desc { max-width: 300px; color: rgba(255,255,255,.58); font-size: 12px; }
.footer-col h5 { margin: 0 0 14px; color: #fff; font-size: 11px; text-transform: uppercase; }
.footer-col li + li { margin-top: 9px; }
.footer-col a { color: rgba(255,255,255,.65); font-size: 11px; text-decoration: none; }
.footer-col a:hover, .footer-bottom a:hover { color: #fff; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.15); }
.footer-bottom-inner { display: flex; align-items: center; justify-content: space-between; gap: 16px; padding: 16px 0; font-size: 10px; }
.footer-bottom-links { display: flex; flex-wrap: wrap; gap: 14px; }
.footer-bottom a { color: rgba(255,255,255,.62); text-decoration: none; }
.fdic-footer { color: rgba(255,255,255,.75); }
.back-to-top { position: fixed; right: 20px; bottom: 20px; z-index: 15; display: none; place-items: center; width: 42px; height: 42px; border: 0; border-radius: 5px; background: var(--teal); color: #fff; cursor: pointer; }
.back-to-top.visible { display: grid; }

@media (max-width: 1020px) {
  .header-inner { gap: 14px; }
  .main-nav { gap: 0; }
  .nav-link { padding-inline: 8px; font-size: 12px; }
  .btn-search { display: none; }
  .trust-bar-inner { flex-wrap: wrap; justify-content: center; }
  .trust-divider { display: none; }
  .hero-layout { gap: 26px; }
  .hero-cards { grid-template-columns: 1fr; }
  .rate-card { display: grid; grid-template-columns: 1fr auto; align-items: center; gap: 4px 10px; }
  .rate-card-apy { grid-column: 2; grid-row: 1 / span 2; }
  .rate-card-type { grid-column: 2; }
  .rate-card-link { grid-column: 1 / -1; }
}

@media (max-width: 760px) {
  .container, .header-inner { width: min(100% - 32px, 600px); }
  .header-inner { min-height: 64px; }
  .main-nav { position: absolute; top: 100%; left: 0; right: 0; display: none; align-items: stretch; padding: 10px 16px 18px; border-bottom: 1px solid var(--line); background: #fff; box-shadow: 0 14px 20px rgba(13,26,62,.1); }
  .main-nav.open { display: flex; flex-direction: column; }
  .main-nav .nav-item { width: 100%; }
  .main-nav .nav-link { width: 100%; justify-content: space-between; padding: 12px; }
  .main-nav > .nav-item > .nav-link:not(span) { display: flex; }
  .mega-menu { position: static; min-width: 0; grid-template-columns: 1fr; gap: 14px; padding: 14px; border: 0; box-shadow: none; background: var(--soft); }
  .nav-item:hover .mega-menu, .nav-item:focus-within .mega-menu { display: grid; }
  .nav-toggle { display: inline-grid; }
  .header-right { gap: 5px; }
  .btn-login { min-height: 36px; padding-inline: 10px; }
  .btn-open-account { display: none; }
  .hero { padding: 42px 0; }
  .hero-layout { grid-template-columns: 1fr; }
  .hero-content h1 { font-size: 46px; }
  .hero-cards { grid-template-columns: repeat(3, minmax(0, 1fr)); }
  .rate-card { display: block; padding: 11px; }
  .rate-card-apy { font-size: 24px; }
  .rate-card-link { font-size: 9px; }
  .hero-right { max-width: 480px; margin-inline: auto; width: 100%; }
  .hero-img-wrap { height: 360px !important; }
  .hero-img-wrap > div { width: min(320px, calc(100% - 30px)) !important; padding: 16px !important; }
  .hero-badge-float { right: 5px; bottom: 10px; }
  .trust-item { font-size: 10px; }
  .section { padding: 54px 0; }
  .section-header h2, .app-content h2 { font-size: 31px; }
  .products-grid, .features-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .rates-preview-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .app-section { grid-template-columns: 1fr; gap: 28px; }
  .footer-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .footer-bottom-inner { align-items: flex-start; flex-direction: column; }
}

@media (max-width: 480px) {
  .announcement-bar { font-size: 11px; }
  .logo-name { font-size: 14px; }
  .site-logo { gap: 7px; }
  .hero-content h1 { font-size: 40px; }
  .hero-content > p { font-size: 14px; }
  .hero-cards { gap: 6px; }
  .rate-card { padding: 8px; }
  .rate-card-label { font-size: 9px; }
  .rate-card-apy { font-size: 21px; }
  .hero-img-wrap { height: 330px !important; }
  .products-grid, .features-grid { grid-template-columns: 1fr; }
  .product-card-header p { min-height: 0; }
  .rates-preview-grid { gap: 8px; }
  .rate-preview-card { padding: 15px 8px; }
  .footer-grid { grid-template-columns: 1fr; gap: 24px; }
  .footer-bottom-links { gap: 10px; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { transition-duration: .01ms !important; animation-duration: .01ms !important; }
}

.logo-icon { gap: 4px; }
.logo-stripe:first-child  { width: 40px; height: 9px; }
.logo-stripe:nth-child(2) { width: 24px; height: 9px; }
.logo-stripe:last-child   { width: 40px; height: 9px; }

.logo-name    { font-size: 22px; }
.logo-tagline { font-size: 11px; }

.main-nav .nav-link       { font-size: 15px; }

.btn-login, .btn-open-account { font-size: 14px; padding: 9px 20px; }