/* ============================================================================
   Waterford Bank — Lo-fi Wireframe Design System
   Shared across all screen wireframes + index launcher.

   This is a WIREFRAME pass: structure & hierarchy first, no brand finishes.
   The six color tokens + two type tokens below are the only place to bind a
   palette — when the hi-fi pass is approved, re-skin here and every screen
   reflows. (Deliberate lo-fi choices: system sans for headings, visible
   hairlines, dashed placeholder blocks, margin annotations.)
   ========================================================================== */

:root {
  /* ── neutral wireframe canvas (cool grey — never beige) ──────────────── */
  --bg:        #eef1f4;   /* page */
  --surface:   #ffffff;   /* cards, nav, panels */
  --fg:        #1f242b;   /* ink */
  --muted:     #6b727c;   /* secondary text, labels */
  --line:      #c7ccd6;   /* hairlines, borders */
  --line-2:    #aab1bd;   /* stronger rule */
  --fill:      #e3e7ed;   /* placeholder block fill */
  --fill-2:    #d7dce4;   /* darker placeholder / bars */

  /* one interactive accent — links, primary buttons, active states */
  --accent:    #2f5fbf;
  --accent-soft: color-mix(in srgb, var(--accent) 12%, transparent);

  /* annotation (margin notes) — intentionally muted slate, not the accent */
  --note:      #8a6d2f;
  --note-soft: #f4eeda;

  --ok:        #2f7d52;   /* "open" status */
  --ok-soft:   #e3f0e8;

  --font-sans: -apple-system, BlinkMacSystemFont, 'Segoe UI', system-ui, 'Helvetica Neue', Arial, sans-serif;
  --font-mono: 'JetBrains Mono', ui-monospace, 'SF Mono', Menlo, monospace;

  /* fluid type — works 360 → 1920 without media queries */
  --fs-display: clamp(30px, 4.2vw, 52px);
  --fs-h1:   clamp(26px, 3.2vw, 40px);
  --fs-h2:   clamp(21px, 2.2vw, 28px);
  --fs-h3:   18px;
  --fs-lead: clamp(16px, 1.4vw, 19px);
  --fs-body: 15px;
  --fs-meta: 12px;

  --container: 1160px;
  --gutter: clamp(18px, 4vw, 40px);

  --gap-xs: 8px; --gap-sm: 12px; --gap-md: 20px;
  --gap-lg: 32px; --gap-xl: 56px; --gap-2xl: 88px;

  --radius: 8px;
  --radius-lg: 14px;
}

/* ── reset ──────────────────────────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body {
  margin: 0;
  background: var(--bg);
  color: var(--fg);
  font-family: var(--font-sans);
  font-size: var(--fs-body);
  line-height: 1.55;
  -webkit-font-smoothing: antialiased;
}
img, svg { display: block; max-width: 100%; }
a { color: var(--accent); text-decoration: none; }
a:hover { text-decoration: underline; }
button { font: inherit; cursor: pointer; color: inherit; }
p { text-wrap: pretty; margin: 0; }
h1, h2, h3, h4 { text-wrap: balance; margin: 0; font-weight: 650; letter-spacing: -0.01em; }

/* ── layout primitives ────────────────────────────────────────────────── */
.container { max-width: var(--container); margin-inline: auto; padding-inline: var(--gutter); }
.container-narrow { max-width: 760px; margin-inline: auto; padding-inline: var(--gutter); }
.section { padding-block: clamp(40px, 6vw, var(--gap-2xl)); }
.section--tight { padding-block: clamp(28px, 4vw, 48px); }
.section + .section { border-top: 1px solid var(--line); }
.stack { display: flex; flex-direction: column; gap: var(--gap-md); }
.row { display: flex; align-items: center; gap: var(--gap-md); flex-wrap: wrap; }
.row-between { display: flex; align-items: center; justify-content: space-between; gap: var(--gap-md); flex-wrap: wrap; }
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: var(--gap-lg); }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--gap-md); }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: var(--gap-md); }
.grid-main { display: grid; grid-template-columns: minmax(0,1fr) 320px; gap: var(--gap-xl); align-items: start; }
.grid-aside { display: grid; grid-template-columns: 300px minmax(0,1fr); gap: var(--gap-xl); align-items: start; }
@media (max-width: 900px) {
  .grid-2, .grid-3, .grid-4, .grid-main, .grid-aside { grid-template-columns: 1fr; }
}
@media (max-width: 560px) {
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
}

/* ── type helpers ─────────────────────────────────────────────────────── */
.display { font-size: var(--fs-display); line-height: 1.04; }
.h1 { font-size: var(--fs-h1); line-height: 1.1; }
.h2 { font-size: var(--fs-h2); line-height: 1.15; }
.h3 { font-size: var(--fs-h3); font-weight: 600; }
.lead { font-size: var(--fs-lead); color: var(--muted); max-width: 60ch; line-height: 1.55; }
.muted { color: var(--muted); }
.eyebrow {
  font-family: var(--font-mono); font-size: var(--fs-meta);
  letter-spacing: 0.12em; text-transform: uppercase; color: var(--accent);
}
.label {
  font-family: var(--font-mono); font-size: 11px; letter-spacing: 0.1em;
  text-transform: uppercase; color: var(--muted);
}
.mono { font-family: var(--font-mono); }
.num  { font-family: var(--font-mono); font-variant-numeric: tabular-nums; }

/* ── top nav (shared) ─────────────────────────────────────────────────── */
/* FDIC official digital sign — required near top of site (12 CFR Part 328) */
.fdic-sign { background: #fff; border-bottom: 1px solid var(--line); }
.fdic-sign .container { display: flex; align-items: center; gap: 12px; padding-block: 8px; }
.fdic-logo {
  font-family: var(--font-sans); font-weight: 800; font-size: 17px;
  letter-spacing: -0.045em; color: #003256; line-height: 1; white-space: nowrap;
}
.fdic-text {
  font-family: Georgia, 'Times New Roman', serif; font-style: italic;
  font-size: 13px; color: #003256; line-height: 1.35;
}
@media (max-width: 560px) {
  .fdic-sign .container { gap: 9px; align-items: flex-start; }
  .fdic-logo { font-size: 15px; }
  .fdic-text { font-size: 11.5px; }
}

.nav {
  position: sticky; top: 0; z-index: 20;
  background: var(--surface);
  border-bottom: 1px solid var(--line);
  isolation: isolate; /* own stacking context — injected .mega layer can't strand the header's paint */
}
.nav-util {
  border-bottom: 1px solid var(--line);
  font-size: 12px; color: var(--muted);
}
.nav-util .container { display: flex; justify-content: space-between; gap: var(--gap-md); padding-block: 7px; }
.nav-util-left, .nav-util-right { display: flex; gap: 18px; align-items: center; }
.nav-util a { color: var(--muted); }
.nav-util a:hover { color: var(--accent); }
.nav-util-routing { color: var(--muted); padding-left: 18px; border-left: 1px solid var(--line); }
.nav-main { display: flex; align-items: center; gap: var(--gap-lg); padding-block: 14px; }
.brand { display: flex; align-items: center; gap: 10px; font-weight: 700; letter-spacing: -0.02em; font-size: 18px; color: var(--fg); }
.brand:hover { text-decoration: none; }
.brand-mark {
  width: 26px; height: 26px; border-radius: 6px;
  background: var(--fill-2); border: 1.5px solid var(--line-2);
  display: grid; place-items: center; font-family: var(--font-mono); font-size: 12px; color: var(--muted);
}
.nav-links { display: flex; gap: var(--gap-md); margin-left: 8px; }
.nav-links a { color: var(--fg); font-size: 14px; font-weight: 500; }
.nav-links a:hover { color: var(--accent); text-decoration: none; }
.nav-spacer { flex: 1; }
.nav-actions { display: flex; align-items: center; gap: 12px; }
.nav-search {
  display: flex; align-items: center; gap: 8px;
  border: 1px solid var(--line); border-radius: 999px;
  padding: 6px 12px; color: var(--muted); font-size: 13px; background: var(--bg);
  min-width: 150px;
}
@media (max-width: 860px) {
  .nav-links, .nav-search, .nav-util { display: none; }
}

/* ── buttons ──────────────────────────────────────────────────────────── */
.btn {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 10px 18px; border-radius: var(--radius);
  border: 1px solid var(--line); background: var(--surface); color: var(--fg);
  font-size: 14px; font-weight: 550;
  transition: border-color .12s ease, background .12s ease, transform .04s ease;
}
.btn:hover { border-color: var(--line-2); text-decoration: none; }
.btn:active { transform: translateY(1px); }
.btn-primary { background: var(--accent); border-color: var(--accent); color: #fff; }
.btn-primary:hover { background: color-mix(in srgb, var(--accent) 88%, black); border-color: transparent; }
.btn-ghost { background: transparent; border-color: transparent; color: var(--accent); padding-inline: 6px; }
.btn-ghost:hover { text-decoration: underline; }
.btn-sm { padding: 7px 13px; font-size: 13px; }
.btn-arrow::after { content: '→'; transition: transform .12s ease; }
.btn-arrow:hover::after { transform: translateX(3px); }
.btn-block { width: 100%; justify-content: center; }

/* ── cards & surfaces ─────────────────────────────────────────────────── */
.card {
  background: var(--surface); border: 1px solid var(--line);
  border-radius: var(--radius-lg); padding: 24px;
}
.card-pad-sm { padding: 18px; }
.card-link { transition: border-color .12s ease, transform .08s ease; }
.card-link:hover { border-color: var(--accent); transform: translateY(-2px); text-decoration: none; }
.panel { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius-lg); }

/* ── placeholder blocks (the wireframe vocabulary) ────────────────────── */
.ph {
  background:
    repeating-linear-gradient(135deg, transparent, transparent 9px,
      color-mix(in srgb, var(--line) 55%, transparent) 9px,
      color-mix(in srgb, var(--line) 55%, transparent) 10px),
    var(--fill);
  border: 1.5px dashed var(--line-2);
  border-radius: var(--radius);
  display: grid; place-items: center;
  color: var(--muted); font-family: var(--font-mono); font-size: 12px;
  letter-spacing: 0.04em; text-align: center; padding: 16px; min-height: 64px;
}
.ph-img { aspect-ratio: 16 / 10; }
.ph-img.wide { aspect-ratio: 16 / 7; }
.ph-img.square { aspect-ratio: 1 / 1; }
.ph-img.portrait { aspect-ratio: 3 / 4; }
.ph-img.hero { aspect-ratio: 4 / 3; min-height: 220px; }
.ph-line { height: 11px; border-radius: 3px; background: var(--fill-2); }
.ph-line.short { width: 55%; }
.ph-line.mid { width: 78%; }
.ph-lines { display: flex; flex-direction: column; gap: 9px; }
.ph-avatar { width: 44px; height: 44px; border-radius: 50%; background: var(--fill-2); border: 1px solid var(--line); flex: none; }
.ph-icon {
  width: 38px; height: 38px; border-radius: 8px; flex: none;
  background: var(--fill); border: 1.5px dashed var(--line-2);
  display: grid; place-items: center; color: var(--muted); font-family: var(--font-mono); font-size: 14px;
}

/* ── annotation callouts (margin notes for reviewers) ─────────────────── */
.anno {
  border: 1px dashed var(--note);
  background: var(--note-soft);
  border-radius: var(--radius);
  padding: 12px 14px; font-size: 12.5px; line-height: 1.5; color: #6c551f;
}
.anno b { color: var(--note); }
.anno-tag {
  display: inline-block; font-family: var(--font-mono); font-size: 10px;
  letter-spacing: 0.1em; text-transform: uppercase; color: var(--note);
  border: 1px solid var(--note); border-radius: 4px; padding: 1px 6px; margin-bottom: 6px;
}

/* ── chips / pills / tags ─────────────────────────────────────────────── */
.chip {
  display: inline-flex; align-items: center; gap: 6px;
  border: 1px solid var(--line); border-radius: 999px; padding: 6px 13px;
  font-size: 13px; color: var(--muted); background: var(--surface);
}
.chip[aria-pressed="true"], .chip.is-active { border-color: var(--accent); color: var(--accent); background: var(--accent-soft); }
.tag {
  display: inline-flex; align-items: center; padding: 3px 9px;
  border: 1px solid var(--line); border-radius: 4px;
  font-family: var(--font-mono); font-size: 11px; letter-spacing: 0.04em;
  text-transform: uppercase; color: var(--muted); background: var(--surface);
}
.status {
  display: inline-flex; align-items: center; gap: 7px; font-size: 13px; font-weight: 600;
  color: var(--ok); background: var(--ok-soft); border: 1px solid color-mix(in srgb, var(--ok) 30%, transparent);
  border-radius: 999px; padding: 4px 12px;
}
.status::before { content: ''; width: 7px; height: 7px; border-radius: 50%; background: var(--ok); }

/* ── breadcrumb ───────────────────────────────────────────────────────── */
.crumbs { font-family: var(--font-mono); font-size: 12px; color: var(--muted); padding-block: 14px; }
.crumbs a { color: var(--muted); }
.crumbs a:hover { color: var(--accent); }
.crumbs span { margin-inline: 6px; opacity: .5; }

/* ── tiles (quick actions / product grid) ─────────────────────────────── */
.tile {
  display: flex; flex-direction: column; gap: 10px;
  background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius-lg);
  padding: 20px; transition: border-color .12s ease, transform .08s ease;
}
.tile:hover { border-color: var(--accent); transform: translateY(-2px); text-decoration: none; }
.tile .h3 { color: var(--fg); }
.tile-foot { margin-top: auto; color: var(--accent); font-size: 13px; font-weight: 600; }

/* ── feature cell ─────────────────────────────────────────────────────── */
.feature { display: flex; flex-direction: column; gap: 10px; }
.feature p { color: var(--muted); font-size: 14px; }
.why-photo { width: 100%; aspect-ratio: 16 / 10; margin-bottom: 4px; }

/* ── stat ─────────────────────────────────────────────────────────────── */
.stat-num { font-family: var(--font-mono); font-size: clamp(30px, 4vw, 46px); font-weight: 600; letter-spacing: -0.02em; color: var(--fg); }
.stat-label { color: var(--muted); font-size: 13px; margin-top: 4px; max-width: 26ch; }

/* ── table ────────────────────────────────────────────────────────────── */
.ds-table { width: 100%; border-collapse: collapse; font-size: 14px; }
.ds-table th, .ds-table td { padding: 13px 14px; text-align: left; border-bottom: 1px solid var(--line); vertical-align: top; }
.ds-table th { font-family: var(--font-mono); font-size: 11px; letter-spacing: 0.06em; text-transform: uppercase; color: var(--muted); font-weight: 500; }
.ds-table .num-col { font-family: var(--font-mono); font-variant-numeric: tabular-nums; }
.ds-table tbody tr:hover { background: color-mix(in srgb, var(--fill) 45%, transparent); }
.table-wrap { overflow-x: auto; border: 1px solid var(--line); border-radius: var(--radius-lg); }

/* ── comparison table (product views) ─────────────────────────────────── */
.compare-table th, .compare-table td { text-align: center; }
.compare-table th:first-child, .compare-table td:first-child { text-align: left; font-weight: 500; color: var(--fg); }
.compare-table thead th { color: var(--fg); font-family: var(--font-sans); font-size: 14px; text-transform: none; letter-spacing: 0; font-weight: 600; line-height: 1.3; }
.compare-table thead th .label { display: block; margin-top: 2px; font-weight: 400; }
.compare-table .is-featured { background: color-mix(in srgb, var(--accent) 7%, transparent); }
.compare-table thead .is-featured { box-shadow: inset 0 3px 0 var(--accent); }
.compare-table .compare-cta td { border-bottom: 0; padding-top: 14px; }
.compare-table tbody tr.compare-cta:hover { background: none; }

/* ── log row (news / list) ────────────────────────────────────────────── */
.log-row { display: grid; grid-template-columns: 130px minmax(0,1fr) 120px; gap: var(--gap-lg); padding: 20px 0; border-top: 1px solid var(--line); align-items: baseline; }
.log-row:last-child { border-bottom: 1px solid var(--line); }
.log-row .pull { text-align: right; }
@media (max-width: 720px) {
  .log-row { grid-template-columns: 1fr; gap: 8px; }
  .log-row .pull { text-align: left; }
}

/* ── accordion (FAQ) ──────────────────────────────────────────────────── */
.acc { border-top: 1px solid var(--line); }
.acc-item { border-bottom: 1px solid var(--line); }
.acc summary {
  list-style: none; cursor: pointer; padding: 18px 4px;
  display: flex; justify-content: space-between; align-items: center; gap: 16px;
  font-weight: 600; font-size: 15px;
}
.acc summary::-webkit-details-marker { display: none; }
.acc summary::after { content: '+'; font-family: var(--font-mono); color: var(--accent); font-size: 20px; }
.acc details[open] summary::after { content: '–'; }
.acc .acc-body { padding: 0 4px 18px; color: var(--muted); font-size: 14px; max-width: 70ch; }

/* ── rule / divider ───────────────────────────────────────────────────── */
.rule { border: 0; border-top: 1px solid var(--line); margin: 0; }

/* ── footer (shared mega footer) ──────────────────────────────────────── */
.foot { background: var(--surface); border-top: 1px solid var(--line); margin-top: 0; }
/* brand + contact row, sits above the mega-nav so the 5 columns can breathe */
.foot-top { display: flex; justify-content: space-between; align-items: flex-start; gap: var(--gap-lg); flex-wrap: wrap; padding-block: var(--gap-lg); border-bottom: 1px solid var(--line); }
.foot-top .foot-brand { max-width: 40ch; }
.foot-contact { display: flex; flex-wrap: wrap; gap: 18px; align-items: center; font-size: 13.5px; }
.foot-contact a { color: var(--fg); }
.foot-contact a:hover { color: var(--accent); }
.foot-routing { font-family: var(--font-mono); font-size: 12px; color: var(--muted); display: flex; gap: 7px; align-items: baseline; }
.foot-routing strong { color: var(--fg); font-variant-numeric: tabular-nums; }
.foot-grid { display: grid; grid-template-columns: repeat(5, 1fr); gap: var(--gap-lg); padding-block: var(--gap-xl); }
.foot-col { display: flex; flex-direction: column; }
.foot-col h4 { font-family: var(--font-mono); font-size: 11px; letter-spacing: 0.08em; text-transform: uppercase; color: var(--muted); margin-bottom: 14px; font-weight: 500; }
.foot-col ul { list-style: none; margin: 0 0 24px; padding: 0; display: flex; flex-direction: column; gap: 9px; }
.foot-col a { color: var(--fg); font-size: 13.5px; }
.foot-col a:hover { color: var(--accent); }
.foot-col-all { margin-top: auto; padding-top: 16px; border-top: 1px solid var(--line); font-size: 13px; font-weight: 600; color: var(--accent); display: inline-flex; align-items: center; gap: 6px; }
.foot-col-all::after { content: '→'; margin-left: auto; }
.foot-col-all:hover { color: var(--accent); }
/* regulatory badge row */
.foot-badges { display: flex; flex-wrap: wrap; gap: 10px; padding-block: 16px; border-top: 1px solid var(--line); }
.foot-badge { display: inline-flex; align-items: center; gap: 7px; border: 1px solid var(--line); border-radius: 6px; padding: 6px 11px; font-size: 12px; color: var(--muted); background: var(--bg); }
.foot-badge strong { font-family: var(--font-mono); font-size: 11px; letter-spacing: 0.04em; color: var(--fg); }
.foot-bar { border-top: 1px solid var(--line); padding-block: 20px; font-size: 12px; color: var(--muted); }
.foot-bar .foot-legal-links { display: flex; flex-wrap: wrap; gap: 8px 16px; }
.foot-legal { max-width: 80ch; margin-top: 10px; line-height: 1.5; }
@media (max-width: 1100px) { .foot-grid { grid-template-columns: repeat(3, 1fr); } }
@media (max-width: 860px) { .foot-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 520px) { .foot-grid { grid-template-columns: 1fr; } }

/* ── page banner: wireframe context bar (top of each screen) ──────────── */
.wf-bar {
  background: var(--fg); color: #e9ecf1;
  font-family: var(--font-mono); font-size: 11.5px; letter-spacing: 0.04em;
}
.wf-bar .container { display: flex; justify-content: space-between; align-items: center; gap: 16px; padding-block: 8px; flex-wrap: wrap; }
.wf-bar a { color: #aebdf0; }
.wf-bar .wf-bar-route { color: #9aa3b2; }

/* ── utilities ────────────────────────────────────────────────────────── */
.flow > * + * { margin-top: var(--gap-md); }
.flow-lg > * + * { margin-top: var(--gap-lg); }
.center { text-align: center; }
.mt-0 { margin-top: 0; }
.hr-strong { border:0; border-top: 1.5px solid var(--line-2); }
.divider-cell { border-top: 1.5px solid var(--fg) !important; }

/* ============================================================================
   Shared mega-menu header + enhanced footer (lo-fi)
   Rendered by scripts/site.js into #site-header / #site-footer.
   Sitename is text-only (no brand mark). Mirrors the reference nav taxonomy.
   ========================================================================== */

/* ── phishing alert bar (above the sticky nav) ────────────────────────── */
.nav-alert { background: var(--note-soft); border-bottom: 1px solid color-mix(in srgb, var(--note) 38%, transparent); color: #6c551f; font-size: 13px; }
.nav-alert .container { display: flex; align-items: center; gap: 12px; padding-block: 8px; }
.nav-alert .na-msg { flex: 1; }
.nav-alert .na-link { color: var(--note); font-weight: 600; white-space: nowrap; }
.nav-alert .na-close { border: 0; background: transparent; color: #6c551f; padding: 2px 4px; font-size: 14px; line-height: 1; }
.nav-alert .na-close:hover { color: var(--note); }
@media (max-width: 560px) { .nav-alert .na-link { display: none; } }

/* ── main bar with centered search (mega variant) ─────────────────────── */
.nav-main.has-mega { display: grid; grid-template-columns: auto minmax(0,1fr) auto; align-items: center; gap: var(--gap-lg); }
.nav-main.has-mega .nav-search { justify-self: center; width: 100%; max-width: 440px; }

/* ── mega nav strip ───────────────────────────────────────────────────── */
.nav-mega-row { border-top: 1px solid var(--line); background: var(--surface); }
.nav-mega-row .container { display: flex; align-items: center; justify-content: space-between; }
.nav-mega { display: flex; gap: 2px; }
.nav-mega-btn { border: 0; background: transparent; padding: 13px 16px; font-size: 14px; font-weight: 500; color: var(--fg); display: inline-flex; align-items: center; gap: 6px; position: relative; }
.nav-mega-btn .chev { font-size: 10px; color: var(--muted); transition: transform .15s ease; }
.nav-mega-btn:hover { color: var(--accent); }
.nav-mega-btn[data-open="true"] { color: var(--accent); }
.nav-mega-btn[data-open="true"] .chev { transform: rotate(180deg); color: var(--accent); }
.nav-mega-btn[data-open="true"]::after,
.nav-mega-btn.is-active::after { content: ''; position: absolute; left: 14px; right: 14px; bottom: 0; height: 2px; background: var(--accent); border-radius: 2px 2px 0 0; }
.nav-mega-aside { font-size: 11px; }

/* ── mega-menu panel ──────────────────────────────────────────────────── */
.mega { position: absolute; left: 0; right: 0; top: 100%; z-index: 30; background: var(--surface); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); box-shadow: 0 18px 40px rgba(31,36,43,.10); animation: megaDrop .14s ease-out; }
@keyframes megaDrop { from { opacity: 0; transform: translateY(-4px); } to { opacity: 1; transform: translateY(0); } }
.mega-inner { max-width: var(--container); margin-inline: auto; padding: 26px var(--gutter) 30px; display: grid; grid-template-columns: 240px minmax(0,1fr); gap: 40px; }
.mega-side { border-right: 1px solid var(--line); padding-right: 32px; display: flex; flex-direction: column; gap: 12px; }
.mega-tag { color: var(--muted); font-size: 13.5px; line-height: 1.5; }
.mega-help { margin-top: auto; padding-top: 14px; border-top: 1px dashed var(--line); display: flex; flex-direction: column; gap: 3px; }
.mega-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.mega-col { display: flex; flex-direction: column; }
.mega-col-h { font-family: var(--font-mono); font-size: 11px; letter-spacing: 0.08em; text-transform: uppercase; color: var(--muted); margin-bottom: 10px; padding-bottom: 8px; border-bottom: 1px solid var(--line); }
.mega-col ul { list-style: none; margin: 0; padding: 0; display: flex; flex-direction: column; gap: 1px; }
.mega-link { display: flex; flex-direction: column; gap: 1px; padding: 7px 9px; border-radius: var(--radius); }
.mega-link:hover { background: var(--accent-soft); text-decoration: none; }
.mega-link-label { font-size: 14px; font-weight: 500; color: var(--fg); }
.mega-link-desc { font-size: 12px; color: var(--muted); }
.mega-all { margin-top: auto; padding-top: 10px; border-top: 1px solid var(--line); font-size: 13px; font-weight: 600; color: var(--accent); display: inline-flex; align-items: center; gap: 6px; }
.mega-all::after { content: '→'; margin-left: auto; }
@media (max-width: 920px) {
  .nav-main.has-mega { grid-template-columns: auto auto; }
  .nav-main.has-mega .nav-search { display: none; }
  .nav-mega { overflow-x: auto; }
  .mega-inner { grid-template-columns: 1fr; gap: 20px; }
  .mega-side { border-right: 0; border-bottom: 1px solid var(--line); padding-right: 0; padding-bottom: 16px; }
  .mega-grid { grid-template-columns: repeat(2, 1fr); }
  .nav-mega-aside { display: none; }
}

/* ── footer: newsletter band ──────────────────────────────────────────── */
.foot-news { border-bottom: 1px solid var(--line); }
.foot-news .container { display: grid; grid-template-columns: minmax(0,1fr) auto; gap: var(--gap-xl); align-items: center; padding-block: var(--gap-lg); }
.foot-news-h { font-size: var(--fs-h2); margin-top: 8px; }
.foot-news-p { color: var(--muted); font-size: 14px; max-width: 50ch; margin-top: 4px; }
.foot-news-form { display: flex; gap: 8px; align-items: center; }
.foot-news-form input { flex: 1; min-width: 240px; border: 1px solid var(--line); border-radius: var(--radius); padding: 10px 14px; font: inherit; font-size: 14px; background: var(--surface); color: var(--fg); }
.foot-news-form input:focus { outline: none; border-color: var(--accent); }
.foot-news-ok { display: none; align-items: center; gap: 6px; color: var(--ok); font-weight: 600; font-size: 13px; white-space: nowrap; }
@media (max-width: 720px) { .foot-news .container { grid-template-columns: 1fr; gap: var(--gap-md); } .foot-news-form input { min-width: 0; } }

/* ── footer: social icons (own row, below contact links) ──────────────── */
.foot-contact .foot-social { flex-basis: 100%; margin-top: 4px; }
.foot-social { display: flex; gap: 8px; }
.foot-social a { width: 34px; height: 34px; display: inline-flex; align-items: center; justify-content: center; border: 1px solid var(--line); border-radius: var(--radius); color: var(--muted); font-family: var(--font-mono); font-size: 12px; font-weight: 600; }
.foot-social a:hover { border-color: var(--accent); color: var(--accent); text-decoration: none; }

/* ── footer: regulatory row (badges + wireframe note, side by side) ───── */
.foot-reg { display: flex; justify-content: space-between; align-items: center; gap: var(--gap-lg); flex-wrap: wrap; padding-block: 16px; border-top: 1px solid var(--line); }
.foot-reg .foot-badges { padding: 0; border-top: 0; }
.foot-reg-note { flex: 1; min-width: 280px; max-width: 64ch; font-size: 12px; line-height: 1.5; color: var(--muted); margin: 0; }
.foot-reg-note .anno-tag { margin-bottom: 0; margin-right: 6px; vertical-align: middle; }