:root{--black:#111111;--white:#FFFFFF;--off-white:#F5F5F2;--green:#A8FF3E;--charcoal:#2E2E2B;--border:#DDDDD8}
*,*::before,*::after{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{background:var(--white);color:var(--black);font-family:"Barlow",sans-serif;font-size:17px;line-height:1.75;overflow-x:hidden;-webkit-font-smoothing:antialiased}
a{color:var(--black);font-weight:600}
a:hover{text-decoration:underline}
img{max-width:100%;display:block}
.skip{position:absolute;top:-100px;left:0;background:var(--black);color:var(--white);padding:12px 20px;font-size:13px;font-weight:700;letter-spacing:2px;text-transform:uppercase;z-index:1000;text-decoration:none}
.skip:focus{top:0}
/* NAV */
body > nav,.wp-site-blocks > nav{position:fixed;top:0;left:0;right:0;z-index:200;padding:14px 48px;display:flex;justify-content:space-between;align-items:center;background:rgba(255,255,255,.97);border-bottom:1px solid var(--border);backdrop-filter:blur(8px)}
.nav-logo img{height:40px;width:auto;display:block}
.nav-home{font-size:13px;font-weight:700;letter-spacing:.5px;color:var(--charcoal);text-decoration:none;transition:color .2s}
.nav-home:hover{color:var(--black)}
.nav-cta{background:var(--black);color:var(--white);padding:13px 28px;font-size:13px;font-weight:700;letter-spacing:2px;text-transform:uppercase;text-decoration:none;transition:all .2s}
.nav-cta:hover{background:var(--green);color:var(--black)}
/* HEADER */
.page-header{margin-top:61px;padding:72px 56px 56px;background:var(--black);border-bottom:2px solid var(--green)}
.page-eyebrow{font-family:"Barlow Condensed",sans-serif;font-size:12px;font-weight:700;letter-spacing:4px;text-transform:uppercase;color:rgba(255,255,255,.5);display:block;margin-bottom:20px}
.page-header h1{font-family:"Bebas Neue",sans-serif;font-size:clamp(52px,8vw,96px);line-height:.9;color:var(--white);letter-spacing:.5px;margin-bottom:24px}
.page-meta{font-size:14px;color:rgba(255,255,255,.55);line-height:1.6}
/* DOCUMENT */
.doc-wrap{max-width:780px;margin:0 auto;padding:80px 56px 100px}
.doc-section{padding-bottom:64px;margin-bottom:64px;border-bottom:1px solid var(--border)}
.doc-section:last-child{border-bottom:none;margin-bottom:0;padding-bottom:0}
.doc-section h2{font-family:"Bebas Neue",sans-serif;font-size:clamp(32px,4vw,48px);line-height:.93;color:var(--black);margin-bottom:24px}
.doc-section p{color:var(--charcoal);line-height:1.75;margin-bottom:18px}
.doc-section p:last-child{margin-bottom:0}
.doc-list{list-style:none;display:flex;flex-direction:column;gap:12px;margin:4px 0 20px}
.doc-list li{color:var(--charcoal);padding-left:24px;position:relative;line-height:1.65}
.doc-list li::before{content:"/";font-family:"Barlow Condensed",sans-serif;font-weight:700;position:absolute;left:0;color:var(--black)}
.doc-list:last-child{margin-bottom:0}
.contact-block{display:inline-block;padding:24px 32px;background:var(--off-white);border:1px solid var(--border);font-style:normal;font-size:16px;color:var(--charcoal);line-height:2;margin-top:8px}
/* TRUST */
.trust{background:var(--black);display:flex;flex-wrap:wrap;justify-content:center;align-items:center;gap:.4rem 2rem;padding:20px 32px}
.ti-item{display:flex;align-items:center;gap:10px;font-family:"Barlow Condensed",sans-serif;font-size:12px;font-weight:700;letter-spacing:3px;text-transform:uppercase;color:var(--white);white-space:nowrap}
.tidot{width:6px;height:6px;border-radius:50%;background:var(--green);flex-shrink:0}
@media(max-width:768px){nav{padding:14px 24px}.page-header{padding:72px 24px 48px}.doc-wrap{padding:56px 24px 72px}}
/* ── MOBILE PORTRAIT (Webflow tier ≤478) ── */
@media(max-width:478px){

  nav,body > nav,.wp-site-blocks > nav{padding:12px 16px}
  .nav-logo img{height:32px}
  .mobile-menu{padding:72px 20px 32px}
  .mobile-group a{font-size:16px}
  .hero h1{font-size:clamp(38px,12.5vw,54px)}
  .hero-sub{font-size:16px}
  .hero-actions{flex-direction:column;align-items:stretch}
  .hero-actions .btn-p,.hero-actions .btn-s{width:100%;text-align:center;padding-left:24px;padding-right:24px}
  .hero-fine{font-size:12px}
  .stat{padding:22px 16px}
  .stat-num{font-size:40px}
  .stat-lbl{font-size:14px}
  .stat-desc{font-size:13px}
  .eyebrow{font-size:12px;letter-spacing:3px}
  .section-title{font-size:clamp(30px,9.5vw,44px)}
  .section-body{font-size:15px}
  .btn-p{padding:16px 28px;font-size:13px}
  .btn-s{padding:14px 24px;font-size:13px}
  .mq-item{font-size:15px;letter-spacing:2px;padding:0 22px}
  .trust{padding:14px 16px;gap:.25rem .8rem}
  .ti-item{font-size:10px;letter-spacing:1.5px}
  .final h2{font-size:clamp(40px,13vw,60px)}
  .final p{font-size:16px}
  .final-actions .btn-p,.final-actions .btn-s{width:100%}
  .faq-item{padding:22px 18px}
  .faq-q{font-size:18px}
  .inc{padding:26px 20px}
  .person-card{padding:26px 20px}
  .acct-card-header,.holiday-card-header,.prod-card-header,.card-tier-header{padding:18px 16px}
  .acct-card-name,.holiday-card-name{font-size:24px}
  .acct-tagline{padding-left:16px;padding-right:16px}
  .acct-row,.cdfi-row,.gov-row,.rt-row,.rt-head{padding-left:16px;padding-right:16px}
  .qa-row{padding:22px 18px}
  .rate-table th,.rate-table td{padding:12px 10px;font-size:13px}
  .rate-note{padding:12px 12px 16px}
  .dl-list a{padding:14px 14px;font-size:14px}
  .disc{padding:16px 18px}
  .split-dark h2,.holiday-dark h2,.rebrand-dark h2{font-size:clamp(36px,12vw,52px)}
  footer{padding:36px 20px 24px}
  .ft-grid{gap:24px;margin-bottom:32px;padding-bottom:32px}
  .ft-cert{gap:10px 16px}
  .ft-legal{font-size:11px}
  .ft-legal-row{gap:20px}
  .ft-compliance{flex-direction:column;align-items:flex-start;gap:16px}
  main section > div,main section > div > div{min-width:0}
}
@media (prefers-reduced-motion: reduce){*,*::before,*::after{animation-duration:0.01ms !important;animation-iteration-count:1 !important;transition-duration:0.01ms !important;scroll-behavior:auto !important}}
/* footer (site-wide, from savings.html) */
/* ── FOOTER ── */
footer{background:var(--black);padding:64px 56px 40px;color:var(--white)}
.ft-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr 1fr;gap:48px;margin-bottom:48px;padding-bottom:48px;border-bottom:1px solid #2A2A27}
.ft-brand .ft-logo img{height:36px;width:auto;filter:brightness(0) invert(1);margin-bottom:20px}
.ft-tag{font-family:"Bebas Neue",sans-serif;font-size:22px;color:var(--green);line-height:1.05;margin-bottom:14px;letter-spacing:.5px}
.ft-addr{font-size:13px;color:#888;line-height:1.65}
.ft-addr a{color:#888;text-decoration:none}
.ft-addr a:hover{color:var(--green)}
.ft-col-title{font-family:"Barlow Condensed",sans-serif;font-size:12px;font-weight:700;letter-spacing:3px;text-transform:uppercase;color:var(--white);margin-bottom:18px}
.ft-col ul{list-style:none}
.ft-col li{margin-bottom:10px}
.ft-col a{font-size:13px;color:#888;text-decoration:none;transition:color .2s}
.ft-col a:hover{color:var(--green)}
.ft-bottom{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:24px;margin-bottom:24px}
.ft-cert{display:flex;align-items:center;gap:24px;flex-wrap:wrap;font-size:12px;color:#888;letter-spacing:.5px}
.ft-cert span{display:flex;align-items:center;gap:8px}
.ft-cert .dot{width:5px;height:5px;border-radius:50%;background:var(--green)}
.ft-social{display:flex;gap:14px}
.ft-social a{display:flex;align-items:center;justify-content:center;width:36px;height:36px;border:1px solid #2A2A27;color:#888;transition:all .2s;text-decoration:none}
.ft-social a:hover{background:var(--green);color:var(--black);border-color:var(--green)}
.ft-social svg{width:16px;height:16px}
.ft-legal{font-size:12px;color:#888;line-height:1.7;max-width:1000px}
@media(max-width:991px){footer{padding:48px 24px 32px}.ft-grid{grid-template-columns:1fr 1fr;gap:32px}.ft-brand{grid-column:1/-1}.ft-bottom{flex-direction:column;align-items:flex-start;gap:20px}}
@media(max-width:767px){.ft-grid{grid-template-columns:1fr}}

/* ── inline styles from the approved HTML, promoted to classes ── */
.s-e3723c{margin-top:24px !important}