@font-face { font-family: "Path Sans"; src: url("fonts/PathSans-Regular.otf") format("opentype"); font-style: normal; font-weight: 400; font-display: swap; }
@font-face { font-family: "Path Sans"; src: url("fonts/PathSans-Bold.otf") format("opentype"); font-style: normal; font-weight: 700 900; font-display: swap; }
@font-face { font-family: "Path Serif"; src: url("fonts/PathSerif-Regular.otf") format("opentype"); font-style: normal; font-weight: 400; font-display: swap; }
@font-face { font-family: "Path Serif"; src: url("fonts/PathSerif-Bold.otf") format("opentype"); font-style: normal; font-weight: 700; font-display: swap; }

:root {
  --navy: #0b1f33;
  --navy-soft: #15344f;
  --teal: #087f73;
  --teal-dark: #05655d;
  --mint: #dff5ee;
  --sky: #eaf4fb;
  --gold: #f5b942;
  --ink: #17212b;
  --muted: #5e6a75;
  --line: #d9e2e8;
  --surface: #ffffff;
  --background: #f1f4f2;
  --paper: #fbfaf6;
  --coral: #dc765f;
  --radius: 14px;
  --shadow: 0 18px 45px rgba(11, 31, 51, .11);
  --shadow-soft: 0 5px 18px rgba(11, 31, 51, .065);
  --shadow-hover: 0 20px 42px rgba(11, 31, 51, .14);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--ink);
  background: var(--background);
  font-family: "Path Sans", "Helvetica Neue", Arial, sans-serif;
  font-size: 16px;
  line-height: 1.65;
}
a { color: var(--teal-dark); }
a:hover { color: var(--navy); }
img { max-width: 100%; }
.editorial-image { width: 100%; height: 100%; object-fit: cover; display: block; border-radius: 24px; box-shadow: var(--shadow); }
.container { width: min(1160px, calc(100% - 40px)); margin: 0 auto; }
.skip-link { position: absolute; left: -9999px; }
.skip-link:focus { left: 16px; top: 16px; z-index: 100; background: white; padding: 10px 14px; }

.site-header { background: rgba(255,255,255,.9); border-bottom: 1px solid rgba(217,226,232,.8); position: sticky; top: 0; z-index: 20; backdrop-filter: blur(16px); }
.header-inner { min-height: 74px; display: flex; align-items: center; gap: 28px; }
.brand { color: var(--navy); text-decoration: none; font-size: 1.2rem; font-weight: 800; letter-spacing: -.015em; white-space: nowrap; }
.brand-mark { display: inline-grid; place-items: center; width: 38px; height: 38px; margin-right: 10px; border-radius: 50% 50% 50% 12px; color: white; background: var(--teal-dark); box-shadow: 5px 5px 0 var(--gold); font-size: .88rem; }
.primary-nav { display: flex; align-items: center; gap: 24px; margin-left: auto; }
.primary-nav a { position: relative; color: var(--navy-soft); text-decoration: none; font-weight: 700; font-size: .94rem; }
.primary-nav a::after { content: ""; position: absolute; left: 0; right: 100%; bottom: -9px; height: 2px; border-radius: 2px; background: var(--teal); transition: right .25s ease; }
.primary-nav a:hover::after, .primary-nav a[aria-current="page"]::after { right: 0; }
.primary-nav a:hover, .primary-nav a[aria-current="page"] { color: var(--teal); }
.menu-button { display: none; margin-left: auto; border: 1px solid var(--line); border-radius: 10px; background: white; padding: 8px 12px; font: inherit; }

.notice { background: var(--navy); color: #dce9f3; font-size: .9rem; }
.notice .container { padding: 9px 0; }
.notice a { color: white; }

.hero { position: relative; overflow: hidden; background-color: #eaf2ee; background-image: linear-gradient(rgba(8,127,115,.055) 1px, transparent 1px), linear-gradient(90deg, rgba(8,127,115,.055) 1px, transparent 1px); background-size: 44px 44px; border-bottom: 1px solid var(--line); }
.hero::before, .hero::after { content: ""; position: absolute; border-radius: 50%; pointer-events: none; }
.hero::before { width: 270px; height: 270px; left: -110px; bottom: -150px; border: 1px solid rgba(8,127,115,.13); }
.hero::after { width: 110px; height: 110px; right: 4%; top: 9%; background: rgba(255,255,255,.45); filter: blur(2px); }
.hero-grid { position: relative; z-index: 1; display: grid; grid-template-columns: minmax(0, 1.05fr) minmax(360px, .95fr); gap: clamp(38px, 5vw, 72px); align-items: center; min-height: 540px; padding: 64px 0; }
.eyebrow { display: flex; align-items: center; gap: 10px; margin: 0 0 14px; color: var(--teal-dark); text-transform: uppercase; letter-spacing: .14em; font-size: .75rem; font-weight: 800; }
.eyebrow::before { content: ""; width: 24px; height: 2px; flex: 0 0 24px; background: var(--coral); }
h1, h2, h3 { color: var(--navy); line-height: 1.13; }
h1, h2 { font-family: "Path Serif", Georgia, serif; font-weight: 700; letter-spacing: -.025em; }
h1 { max-width: 720px; margin: 0 0 22px; font-size: clamp(2.75rem, 4.35vw, 4.15rem); }
h2 { margin: 0 0 16px; font-size: clamp(2rem, 3vw, 2.9rem); }
h3 { margin: 0 0 10px; font-size: 1.24rem; letter-spacing: -.015em; }
.hero-copy { max-width: 700px; color: #40505f; font-size: 1.16rem; }
.actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 28px; }
.button { display: inline-flex; justify-content: center; align-items: center; gap: 8px; min-height: 48px; padding: 12px 20px; border-radius: 4px 14px 4px 14px; background: var(--teal-dark); color: white; text-decoration: none; font-weight: 800; border: 1px solid var(--teal-dark); box-shadow: 4px 4px 0 rgba(11,31,51,.14); transition: transform .22s ease, box-shadow .22s ease, background .22s ease, border-color .22s ease; }
.button:hover { background: var(--teal-dark); color: white; transform: translateY(-2px); box-shadow: 0 12px 24px rgba(8,127,115,.22); }
.button span[aria-hidden] { transition: transform .22s ease; }
.button:hover span[aria-hidden] { transform: translateX(3px); }
.button.secondary { color: var(--navy); background: white; border-color: var(--line); }
.button.secondary:hover { border-color: var(--teal); color: var(--teal-dark); }
.button.small { min-height: 42px; padding: 9px 15px; font-size: .92rem; }

.hero-card { position: relative; background: var(--surface); border: 1px solid rgba(8,127,115,.18); border-radius: 28px; box-shadow: var(--shadow); padding: 30px; }
.hero-media { position: relative; min-height: 0; aspect-ratio: 4 / 3; margin: 0; padding: 10px; border: 1px solid rgba(255,255,255,.9); border-radius: 6px 38px 6px 38px; background: rgba(255,255,255,.62); box-shadow: 0 30px 75px rgba(11,31,51,.16); }
.hero-media::before { content: ""; position: absolute; width: 112px; height: 112px; right: -22px; bottom: -22px; z-index: -1; border-radius: 28px; background: repeating-linear-gradient(45deg, rgba(8,127,115,.2) 0 2px, transparent 2px 10px); }
.hero-media .editorial-image { min-height: 0; border-radius: 2px 30px 2px 30px; box-shadow: none; object-position: 61% center; }
.hero-media figcaption { position: absolute; left: -18px; bottom: 28px; display: grid; gap: 2px; padding: 11px 16px; color: var(--navy); background: var(--paper); border-left: 4px solid var(--coral); box-shadow: var(--shadow-soft); font-size: .76rem; letter-spacing: .04em; }
.hero-media figcaption span { font-weight: 800; text-transform: uppercase; letter-spacing: .1em; }
.hero-media .editorial-image, .page-hero-image, .lead-grid .editorial-image { transition: transform .45s cubic-bezier(.2,.8,.2,1), filter .45s ease; }
.hero-media:hover .editorial-image { transform: scale(1.018); filter: saturate(1.04); }
.hero-card::before { content: ""; position: absolute; inset: -18px 34px auto -22px; height: 78px; z-index: -1; border-radius: 22px; background: var(--gold); transform: rotate(-4deg); }
.score-row { display: flex; justify-content: space-between; gap: 16px; padding: 16px 0; border-bottom: 1px solid var(--line); }
.score-row:last-child { border: 0; }
.score-label { color: var(--muted); }
.score-value { color: var(--navy); font-weight: 800; }

.section { position: relative; padding: 84px 0; }
.section.compact { padding: 56px 0; }
.section.white { background: white; }
.section-heading { max-width: 760px; margin-bottom: 38px; padding-left: 22px; border-left: 1px solid var(--teal); }
.section-heading p { color: var(--muted); margin: 0; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; }
.card { background: var(--surface); border: 1px solid rgba(202,213,218,.95); border-radius: 6px 22px 6px 22px; padding: 28px; box-shadow: var(--shadow-soft); transition: transform .25s ease, box-shadow .25s ease, border-color .25s ease; }
.card:hover { transform: translateY(-5px); border-color: rgba(8,127,115,.25); box-shadow: var(--shadow-hover); }
.card p { color: var(--muted); }
.card .tag { display: inline-block; padding: 5px 9px; margin-bottom: 16px; border-radius: 999px; color: var(--teal-dark); background: var(--mint); font-size: .78rem; font-weight: 800; }
.choice-card { display: grid; grid-template-columns: minmax(150px, .82fr) minmax(0, 1.18fr); overflow: hidden; padding: 0; }
.choice-card > img { width: 100%; height: 100%; min-height: 330px; object-fit: cover; }
.choice-card-copy { position: relative; padding: 30px; }
.choice-card-copy .card-number { position: absolute; right: 26px; top: 22px; color: #c9d4d3; font-family: "Path Serif", Georgia, serif; font-size: 2.2rem; line-height: 1; }
.choice-card:nth-child(2) { border-radius: 22px 6px 22px 6px; }
.bank-card { display: flex; flex-direction: column; }
.bank-card .button { margin-top: auto; align-self: flex-start; }
.bank-meta { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin: 19px 0 22px; }
.bank-meta span { display: block; color: var(--muted); font-size: .78rem; }
.bank-meta strong { color: var(--navy); font-size: .95rem; }

.comparison-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 18px; }
.comparison-card { position: relative; display: grid; grid-template-columns: 64px minmax(0, 1fr); column-gap: 18px; min-height: 270px; overflow: hidden; padding: 26px; border: 1px solid rgba(202,213,218,.95); border-radius: 4px 24px 4px 24px; background: #fff; box-shadow: var(--shadow-soft); transition: transform .28s ease, box-shadow .28s ease, border-color .28s ease; }
.comparison-card::before { content: ""; position: absolute; inset: 0 0 auto; height: 4px; background: var(--teal); }
.comparison-card:hover { transform: translateY(-7px); border-color: rgba(8,127,115,.28); box-shadow: var(--shadow-hover); }
.comparison-card.online-bank::before { background: #2b74b8; }
.comparison-card.hybrid-bank::before { background: var(--gold); }
.comparison-card.transition-bank::before { background: #8b6bb1; }
.bank-card-head { grid-row: 1 / span 4; display: flex; flex-direction: column; justify-content: flex-start; align-items: flex-start; gap: 14px; margin: 0; }
.bank-monogram { display: grid; place-items: center; width: 48px; height: 48px; flex: 0 0 48px; border-radius: 14px; color: white; background: linear-gradient(145deg, var(--navy-soft), var(--navy)); font-size: .85rem; font-weight: 850; letter-spacing: .04em; box-shadow: 0 9px 20px rgba(11,31,51,.18); }
.online-bank .bank-monogram { background: linear-gradient(145deg, #398dd0, #20578c); }
.hybrid-bank .bank-monogram { color: var(--navy); background: linear-gradient(145deg, #ffd56d, var(--gold)); }
.transition-bank .bank-monogram { background: linear-gradient(145deg, #a185c4, #6c4e91); }
.bank-type { writing-mode: vertical-rl; transform: rotate(180deg); padding: 8px 5px; border-radius: 999px; color: var(--muted); background: #f0f4f6; font-size: .68rem; font-weight: 800; letter-spacing: .06em; }
.comparison-card h3 { margin-bottom: 9px; font-size: 1.32rem; }
.bank-fit { margin: 0 0 18px; color: var(--muted); font-size: .94rem; line-height: 1.5; }
.verify-item { margin: 4px 0 18px; padding-top: 14px; border-top: 1px solid var(--line); color: var(--navy-soft); font-size: .84rem; line-height: 1.45; }
.verify-item span { display: block; margin-bottom: 3px; color: var(--teal-dark); text-transform: uppercase; letter-spacing: .08em; font-size: .66rem; font-weight: 850; }
.comparison-card .button { width: max-content; max-width: 100%; }
.comparison-card:nth-child(4n+2), .comparison-card:nth-child(4n+3) { border-radius: 24px 4px 24px 4px; background: var(--paper); }
.story-card { overflow: hidden; padding: 0; }
.story-card > img { width: 100%; height: 180px; object-fit: cover; filter: saturate(.9); transition: transform .5s cubic-bezier(.2,.8,.2,1), filter .4s ease; }
.story-card > div { display: flex; flex: 1; flex-direction: column; padding: 25px; }
.story-card:hover > img { transform: scale(1.035); filter: saturate(1.03); }
.comparison-wrap { overflow-x: auto; border: 1px solid var(--line); border-radius: var(--radius); background: white; box-shadow: var(--shadow); }
table { width: 100%; min-width: 820px; border-collapse: collapse; }
th, td { padding: 17px 18px; border-bottom: 1px solid var(--line); text-align: left; vertical-align: top; }
th { color: white; background: var(--navy); font-size: .85rem; letter-spacing: .02em; }
tr:last-child td { border-bottom: 0; }
td:first-child { color: var(--navy); font-weight: 800; }
.fine-print { color: var(--muted); font-size: .86rem; }

.callout { display: grid; grid-template-columns: 1fr auto; gap: 26px; align-items: center; padding: 34px; border-radius: 24px; color: white; background: var(--navy); }
.callout h2 { color: white; }
.callout p { color: #d8e4ed; margin-bottom: 0; }
.callout .button { background: var(--gold); border-color: var(--gold); color: var(--navy); }

.page-hero { position: relative; overflow: hidden; padding: 58px 0; background-color: #e9f2ef; background-image: repeating-linear-gradient(90deg, transparent 0 79px, rgba(8,127,115,.05) 79px 80px); border-bottom: 1px solid var(--line); }
.page-hero::after { content: ""; position: absolute; width: 280px; height: 280px; left: -170px; top: -150px; border-radius: 50%; border: 1px solid rgba(8,127,115,.13); }
.page-hero-grid { position: relative; z-index: 1; display: grid; grid-template-columns: minmax(0, 1.08fr) minmax(360px, .92fr); gap: clamp(36px, 5vw, 64px); align-items: center; }
.page-hero-image { display: block; width: 100%; height: clamp(280px, 29vw, 370px); object-fit: cover; object-position: center; padding: 7px; border: 1px solid rgba(255,255,255,.9); border-radius: 4px 30px 4px 30px; background: rgba(255,255,255,.62); box-shadow: 16px 18px 0 rgba(8,127,115,.1); }
.page-hero h1 { max-width: 680px; font-size: clamp(2.35rem, 3.45vw, 3.25rem); }
.page-hero p { max-width: 760px; color: #40505f; font-size: 1.1rem; }
.prose { max-width: 820px; }
.prose > h2 { padding-top: 8px; border-top: 1px solid #cbd7d8; }
.prose > h2::before { content: "§"; display: inline-block; margin-right: 10px; color: var(--coral); font-family: "Path Serif", Georgia, serif; font-size: .8em; }
.prose h2 { margin-top: 46px; }
.prose h3 { margin-top: 30px; }
.prose p, .prose li { color: #43515e; }
.prose li { margin-bottom: 8px; }
.disclosure-box { padding: 22px; border-left: 5px solid var(--gold); border-radius: 0 14px 14px 0; background: #fff8e7; }
.contact-list { list-style: none; padding: 0; }
.contact-list li { padding: 12px 0; border-bottom: 1px solid var(--line); }
.lead-section { background: linear-gradient(135deg, #0b1f33, #153f55); color: white; }
.lead-section h2, .lead-section h3 { color: white; }
.lead-grid { display: grid; grid-template-columns: .85fr 1.15fr; gap: 50px; align-items: start; }
.lead-grid p { color: #d8e4ed; }
.lead-grid .editorial-image { height: 290px; margin-top: 26px; border: 1px solid rgba(255,255,255,.16); box-shadow: 0 20px 45px rgba(0,0,0,.2); }
.lead-grid .editorial-image:hover { transform: translateY(-3px); filter: saturate(1.04); }
.lead-form { padding: 30px; border-radius: 4px 26px 4px 26px; background: var(--paper); color: var(--ink); box-shadow: 12px 12px 0 rgba(255,255,255,.1), var(--shadow); }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 17px; }
.field { display: flex; flex-direction: column; gap: 6px; }
.field.full { grid-column: 1 / -1; }
.field label { color: var(--navy); font-size: .9rem; font-weight: 750; }
.field input, .field select, .field textarea { width: 100%; border: 1px solid #b8c6d0; border-radius: 10px; padding: 12px 13px; color: var(--ink); background: white; font: inherit; }
.field textarea { min-height: 100px; resize: vertical; }
.checkbox { display: grid; grid-template-columns: auto 1fr; gap: 10px; align-items: start; color: #43515e; font-size: .88rem; }
.checkbox input { margin-top: 5px; }
.honeypot { position: absolute !important; left: -9999px !important; }
.form-status { min-height: 24px; margin: 12px 0 0; font-size: .9rem; color: var(--muted); }
.form-status.success { color: #08734f; }
.form-status.error { color: #a32929; }
.button:disabled { opacity: .6; cursor: wait; }
.bank-detail-grid { display: grid; grid-template-columns: minmax(0, 1fr) 320px; gap: 42px; align-items: start; }
.bank-sidebar { position: sticky; top: 100px; }
.pros-cons { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.pros, .cons { padding: 24px; border-radius: 18px; }
.pros { background: #eaf8f2; border: 1px solid #bfe8d8; }
.cons { background: #fff4ee; border: 1px solid #f2d2c2; }
.pros h3 { color: #086347; }.cons h3 { color: #8f3d22; }
.bank-index { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; }
.bank-index a { display: block; padding: 18px; color: var(--navy); background: white; border: 1px solid var(--line); border-radius: 3px 14px 3px 14px; text-decoration: none; font-weight: 800; }
.bank-index a:hover { border-color: var(--teal); transform: translateY(-2px); }

.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; }
.mini-card { position: relative; min-height: 205px; padding: 26px 22px; overflow: hidden; border: 1px solid var(--line); border-radius: 4px 22px 4px 22px; background: var(--paper); }
.mini-card::after { content: ""; position: absolute; right: -38px; bottom: -46px; width: 120px; height: 120px; border: 1px solid rgba(8,127,115,.18); border-radius: 50%; }
.mini-card > span { display: inline-grid; place-items: center; width: 34px; height: 34px; margin-bottom: 28px; color: white; border-radius: 50%; background: var(--navy); font-size: .75rem; font-weight: 800; }
.mini-card p { margin-bottom: 0; color: var(--muted); }
.comparison-card { min-height: 305px; }
.snapshot { margin: 4px 0 20px; padding: 14px 16px; border-left: 3px solid var(--gold); background: #f8f7f1; color: #40505f; font-size: .86rem; line-height: 1.5; }
.snapshot span { display: block; margin-bottom: 3px; color: var(--teal-dark); text-transform: uppercase; letter-spacing: .08em; font-size: .65rem; font-weight: 850; }
.editorial-split { display: grid; grid-template-columns: 1fr 1fr; gap: 52px; align-items: center; }
.editorial-split .editorial-image { height: 390px; }
.contact-grid { display: grid; grid-template-columns: minmax(280px,.75fr) minmax(0,1.25fr); gap: 52px; align-items: start; }
.field label span { color: var(--muted); font-size: .8rem; font-weight: 400; }
.operator-card { display: flex; flex-wrap: wrap; gap: 8px 20px; margin-top: 30px; padding: 18px 20px; border: 1px solid rgba(255,255,255,.15); border-radius: 12px; font-size: .82rem; }
.operator-card strong { flex-basis: 100%; color: white; }
.operator-card a { color: white; }
.footer-link { padding: 0; border: 0; color: #dbe7ef; background: transparent; font: inherit; text-decoration: underline; cursor: pointer; }
.modal-open { overflow: hidden; }
.modal-backdrop { position: fixed; inset: 0; z-index: 100; display: grid; place-items: center; padding: 20px; background: rgba(5,18,31,.72); opacity: 0; visibility: hidden; transition: opacity .2s ease, visibility .2s ease; }
.modal-backdrop.is-open { opacity: 1; visibility: visible; }
.result-modal { position: relative; width: min(480px,100%); padding: 38px; border-radius: 6px 28px 6px 28px; background: white; box-shadow: 0 34px 90px rgba(0,0,0,.3); transform: translateY(18px) scale(.98); transition: transform .25s ease; }
.modal-backdrop.is-open .result-modal { transform: none; }
.result-modal h2 { font-size: 2rem; }
.modal-icon { display: grid; place-items: center; width: 52px; height: 52px; margin-bottom: 18px; border-radius: 50%; color: white; background: var(--teal); font-size: 1.5rem; font-weight: 800; }
.modal-close { position: absolute; right: 14px; top: 10px; border: 0; background: transparent; color: var(--navy); font-size: 1.8rem; cursor: pointer; }
.cookie-panel { position: fixed; left: 20px; right: 20px; bottom: 20px; z-index: 90; display: none; grid-template-columns: minmax(0,1fr) auto; gap: 24px; align-items: center; width: min(920px,calc(100% - 40px)); margin: 0 auto; padding: 22px 24px; border: 1px solid rgba(255,255,255,.17); border-radius: 6px 20px 6px 20px; color: white; background: var(--navy); box-shadow: 0 22px 60px rgba(0,0,0,.28); }
.cookie-panel.is-open { display: grid; animation: cookie-in .3s ease both; }
.cookie-panel strong { color: white; }
.cookie-panel p { margin: 4px 0 0; color: #d7e3eb; font-size: .88rem; }
.cookie-panel a { color: white; }
.cookie-actions { display: flex; gap: 10px; }
@keyframes cookie-in { from { opacity: 0; transform: translateY(18px); } }

/* Motion is progressively enabled by JavaScript so content remains visible without it. */
.motion-ready .reveal { opacity: 0; transform: translateY(24px); transition: opacity .65s ease, transform .65s cubic-bezier(.2,.8,.2,1); }
.motion-ready .reveal.is-visible { opacity: 1; transform: none; }
.motion-ready .hero-content { animation: hero-copy-in .75s .08s both cubic-bezier(.2,.8,.2,1); }
.motion-ready .hero-media { animation: hero-image-in .85s .18s both cubic-bezier(.2,.8,.2,1); }
.motion-ready .page-hero-grid > div { animation: hero-copy-in .7s .05s both cubic-bezier(.2,.8,.2,1); }
.motion-ready .page-hero-image { animation: hero-image-in .75s .12s both cubic-bezier(.2,.8,.2,1); }
@keyframes hero-copy-in { from { opacity: 0; transform: translateY(20px); } to { opacity: 1; transform: none; } }
@keyframes hero-image-in { from { opacity: 0; transform: translateY(18px) scale(.975); } to { opacity: 1; transform: none; } }

.site-footer { padding: 54px 0 26px; color: #c7d6e1; background: var(--navy); }
.footer-grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr; gap: 42px; }
.site-footer h2, .site-footer h3 { color: white; font-size: 1rem; letter-spacing: 0; }
.site-footer a { color: #dbe7ef; }
.site-footer ul { list-style: none; padding: 0; }
.site-footer li { margin: 8px 0; }
.footer-bottom { margin-top: 34px; padding-top: 20px; border-top: 1px solid rgba(255,255,255,.15); font-size: .85rem; }


/* Legal institution transparency + company map */
.institution-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 18px; }
.institution-card { padding: 22px 24px; border: 1px solid var(--line); border-radius: 4px 18px 4px 18px; background: var(--paper); }
.institution-card > span, .institution-identity > span { display: block; margin-bottom: 7px; color: var(--teal-dark); font-size: .7rem; font-weight: 850; letter-spacing: .08em; text-transform: uppercase; }
.institution-card h3 { margin-bottom: 7px; font-size: 1.08rem; }
.institution-card p { margin: 0 0 10px; color: var(--muted); font-size: .9rem; }
.institution-card a { font-weight: 800; }
.institution-identity { margin: 18px 0 28px; padding: 18px 20px; border: 1px solid #cddfe5; border-left: 4px solid var(--teal); border-radius: 4px 14px 4px 14px; background: #f4faf9; }
.institution-identity strong { display: block; color: var(--navy); font-size: 1.03rem; }
.institution-identity p { margin: 5px 0 8px; color: #40505f; }
.institution-identity small { color: var(--muted); line-height: 1.45; }
.map-section { background: var(--paper); }
.map-layout { display: grid; grid-template-columns: minmax(260px, .7fr) minmax(0, 1.3fr); gap: 42px; align-items: center; }
.map-copy h2 { max-width: 620px; }
.map-card { overflow: hidden; min-height: 390px; border: 1px solid var(--line); border-radius: 4px 24px 4px 24px; background: #e8eef1; box-shadow: var(--shadow); }
.map-card iframe { display: block; width: 100%; min-height: 390px; border: 0; }
.contact-list small { color: var(--muted); line-height: 1.4; }

@media (max-width: 860px) {
  .menu-button { display: block; }
  .primary-nav { display: none; position: absolute; top: 74px; left: 0; right: 0; padding: 18px 20px 24px; background: white; border-bottom: 1px solid var(--line); flex-direction: column; align-items: flex-start; }
  .primary-nav.is-open { display: flex; }
  .hero-grid { grid-template-columns: 1fr; min-height: auto; gap: 45px; }
  .page-hero-grid, .lead-grid, .bank-detail-grid { grid-template-columns: 1fr; }
  .page-hero-image { height: min(54vw, 380px); }
  .bank-sidebar { position: static; }
  .grid-3 { grid-template-columns: 1fr 1fr; }
  .comparison-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .bank-index { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .choice-card { grid-template-columns: 1fr; }
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .editorial-split, .contact-grid, .map-layout { grid-template-columns: 1fr; }
  .choice-card > img { height: 230px; min-height: 0; }
}

@media (max-width: 620px) {
  .container { width: min(100% - 28px, 1160px); }
  .hero-grid, .section { padding: 56px 0; }
  .grid-3, .grid-2, .footer-grid { grid-template-columns: 1fr; }
  .comparison-grid { grid-template-columns: 1fr; }
  .grid-4, .institution-grid { grid-template-columns: 1fr; }
  .form-grid, .pros-cons, .bank-index { grid-template-columns: 1fr; }
  .callout { grid-template-columns: 1fr; }
  .bank-meta { grid-template-columns: 1fr; }
  h1 { font-size: 2.55rem; }
  .hero-media { aspect-ratio: 16 / 11; }
  .hero-media figcaption { left: 8px; bottom: 18px; }
  .page-hero-image { height: 230px; }
  .comparison-card { grid-template-columns: 54px minmax(0, 1fr); padding: 22px; }
  .bank-monogram { width: 44px; height: 44px; flex-basis: 44px; }
  .cookie-panel { left: 14px; right: 14px; bottom: 14px; grid-template-columns: 1fr; width: calc(100% - 28px); }
  .cookie-actions { flex-direction: column-reverse; }
  .cookie-actions .button { width: 100%; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .01ms !important; animation-iteration-count: 1 !important; transition-duration: .01ms !important; }
  .motion-ready .reveal { opacity: 1; transform: none; }
}