/* =========================================================
   MERIDIAN BANK — Public Site CSS
   Emerald green · Warm amber · Cream white · Serif headings
   Completely different from VivaBank and FinSystem builds
   ========================================================= */
@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:wght@500;600;700;800&family=Nunito+Sans:wght@300;400;500;600;700;800&display=swap');

:root {
  --green:       #0F5C3A;
  --green-mid:   #177A4E;
  --green-light: #E8F5EE;
  --green-xlight:#F3FAF6;
  --amber:       #E8930A;
  --amber-dark:  #C47A08;
  --amber-light: #FEF3DC;
  --cream:       #FAFAF7;
  --white:       #FFFFFF;
  --stone:       #F5F3EE;
  --border:      #DDE8E3;
  --border-mid:  #C8D9D2;
  --text:        #1A2E24;
  --text-muted:  #4D6358;
  --text-light:  #8AA396;
  --danger:      #C93030;
  --danger-light:#FDECEA;
  --info:        #1A5276;
  --info-light:  #EAF3FB;
  --shadow-sm:   0 1px 4px rgba(15,92,58,.07);
  --shadow:      0 4px 20px rgba(15,92,58,.1);
  --shadow-lg:   0 16px 48px rgba(15,92,58,.14);
  --radius:      8px;
  --radius-lg:   14px;
  --radius-xl:   22px;
  --max:         1200px;
  --font:        'Nunito Sans',-apple-system,sans-serif;
  --serif:       'Playfair Display',Georgia,serif;
}

*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{font-size:16px;scroll-behavior:smooth}
body{font-family:var(--font);color:var(--text);background:var(--cream);line-height:1.65;-webkit-font-smoothing:antialiased}
a{color:var(--green);text-decoration:none}
a:hover{text-decoration:underline}
img{max-width:100%;display:block}
button{font-family:var(--font);cursor:pointer}

/* ── Layout ────────────────────────────── */
.wrap{max-width:var(--max);margin:0 auto;padding:0 24px}
.wrap-sm{max-width:820px;margin:0 auto;padding:0 24px}
.sec{padding:80px 0}
.sec-sm{padding:48px 0}
.sec-alt{background:var(--white)}
.sec-green{background:var(--green);color:#fff}
.sec-stone{background:var(--stone)}
.sec-cream{background:var(--cream)}

/* ── Typography ─────────────────────────── */
h1,h2,h3,h4{font-family:var(--serif);line-height:1.2;color:var(--text)}
h1{font-size:clamp(2.1rem,4.5vw,3.5rem);font-weight:700}
h2{font-size:clamp(1.7rem,3vw,2.5rem);font-weight:700}
h3{font-size:1.35rem;font-weight:600}
h4{font-size:1.1rem;font-weight:600}
.tag{display:inline-flex;align-items:center;gap:.45rem;font-size:.7rem;font-weight:800;text-transform:uppercase;letter-spacing:.12em;color:var(--green);background:var(--green-light);padding:.28rem 1rem;border-radius:50px;margin-bottom:.9rem;font-family:var(--font)}
.tag-amber{color:var(--amber-dark);background:var(--amber-light)}
.tag-white{color:#fff;background:rgba(255,255,255,.15);border:1px solid rgba(255,255,255,.25)}
.sec-intro{text-align:center;margin-bottom:3.5rem}
.sec-intro h2{margin-bottom:.65rem}
.sec-intro p{color:var(--text-muted);max-width:560px;margin:0 auto;font-size:1.05rem;line-height:1.75}

/* ── Buttons ───────────────────────────── */
.btn{display:inline-flex;align-items:center;gap:.45rem;padding:.8rem 2rem;border-radius:var(--radius);font-size:.92rem;font-weight:700;border:2px solid transparent;cursor:pointer;font-family:var(--font);transition:.18s;text-decoration:none;white-space:nowrap;line-height:1}
.btn:hover{text-decoration:none}
.btn-green{background:var(--green);color:#fff;border-color:var(--green)}
.btn-green:hover{background:var(--green-mid)}
.btn-amber{background:var(--amber);color:#fff;border-color:var(--amber)}
.btn-amber:hover{background:var(--amber-dark)}
.btn-outline-green{background:transparent;color:var(--green);border-color:var(--green)}
.btn-outline-green:hover{background:var(--green);color:#fff}
.btn-outline-white{background:transparent;color:#fff;border-color:rgba(255,255,255,.65)}
.btn-outline-white:hover{background:rgba(255,255,255,.12);border-color:#fff}
.btn-white{background:#fff;color:var(--green);border-color:#fff}
.btn-white:hover{background:var(--green-light)}
.btn-lg{padding:.95rem 2.4rem;font-size:1rem}
.btn-sm{padding:.5rem 1.2rem;font-size:.82rem}

/* ── Navbar (white, minimal) ────────────── */
.topbar{background:var(--green);padding:.4rem 0}
.topbar .wrap{display:flex;justify-content:space-between;font-size:.72rem;color:rgba(255,255,255,.75)}
.topbar a{color:rgba(255,255,255,.75)}
.topbar a:hover{color:#fff;text-decoration:none}
.topbar-left,.topbar-right{display:flex;align-items:center;gap:1.1rem}

.site-nav{background:var(--white);border-bottom:2px solid var(--border);position:sticky;top:0;z-index:900;box-shadow:0 2px 12px rgba(15,92,58,.06)}
.nav-inner{display:flex;align-items:center;padding:.8rem 0;gap:1rem}
.site-logo{display:flex;align-items:center;gap:.7rem;text-decoration:none;flex-shrink:0}
.logo-leaf{width:42px;height:42px;background:var(--green);border-radius:10px;display:flex;align-items:center;justify-content:center;flex-shrink:0;position:relative;overflow:hidden}
.logo-leaf::before{content:'M';font-family:var(--serif);font-size:1.25rem;font-weight:700;color:#fff;position:relative;z-index:1}
.logo-leaf::after{content:'';position:absolute;bottom:-6px;right:-6px;width:26px;height:26px;background:rgba(232,147,10,.35);border-radius:50%}
.logo-name{font-family:var(--serif);font-size:1.15rem;font-weight:700;color:var(--text);letter-spacing:-.01em;line-height:1.1}
.logo-tag{font-family:var(--font);font-size:.6rem;color:var(--text-light);text-transform:uppercase;letter-spacing:.1em;font-weight:600}
.site-logo:hover{text-decoration:none}

.nav-links{display:flex;align-items:center;gap:.1rem;flex:1;justify-content:center}
.nav-item{position:relative}
.nav-btn{padding:.48rem .9rem;color:var(--text-muted);font-size:.875rem;font-weight:600;border:none;background:none;border-radius:var(--radius);cursor:pointer;font-family:var(--font);transition:.13s;display:flex;align-items:center;gap:.3rem;text-decoration:none}
.nav-btn:hover{color:var(--green);background:var(--green-xlight);text-decoration:none}
.nav-btn svg{width:10px;height:10px;transition:.13s}
.nav-item:hover>.nav-btn{color:var(--green);background:var(--green-xlight)}
.nav-item:hover>.nav-btn svg{transform:rotate(180deg)}

.dropdown{position:absolute;top:calc(100%+8px);left:0;background:var(--white);border:1px solid var(--border);border-radius:var(--radius-lg);box-shadow:var(--shadow-lg);min-width:220px;padding:.5rem;opacity:0;visibility:hidden;transform:translateY(-5px);transition:.16s;z-index:300}
.nav-item:hover>.dropdown{opacity:1;visibility:visible;transform:translateY(0)}
.dropdown a{display:flex;align-items:center;gap:.6rem;padding:.55rem .9rem;color:var(--text-muted);font-size:.845rem;border-radius:6px;font-weight:500;transition:.12s}
.dropdown a:hover{background:var(--green-xlight);color:var(--green);text-decoration:none}
.dd-head{font-size:.62rem;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:var(--text-light);padding:.5rem .9rem .2rem;margin-top:.3rem}
.dropdown hr{border:none;border-top:1px solid var(--border);margin:.35rem 0}

.nav-right{display:flex;align-items:center;gap:.65rem;margin-left:auto;flex-shrink:0}
.nav-burger{display:none;background:none;border:none;color:var(--text);font-size:1.25rem;cursor:pointer;padding:.3rem}

/* ── Rate ticker ───────────────────────── */
.rate-bar{background:var(--stone);border-bottom:1px solid var(--border);padding:.4rem 0;font-size:.75rem}
.rate-inner{display:flex;align-items:center;gap:2rem;overflow:hidden;white-space:nowrap}
.rate-lbl{font-weight:800;text-transform:uppercase;letter-spacing:.08em;color:var(--green);font-size:.65rem;margin-right:.5rem}
.rate-item{display:flex;align-items:center;gap:.55rem;color:var(--text-muted)}
.rate-cur{font-weight:800;color:var(--text);min-width:32px}
.rate-b{color:var(--green);font-weight:700}
.rate-s{color:var(--danger);font-weight:700}
.rate-sep{color:var(--border-mid)}

/* ── Hero ──────────────────────────────── */
.hero{background:var(--cream);padding:80px 0 0;overflow:hidden;position:relative}
.hero-grid{display:grid;grid-template-columns:1fr 1fr;align-items:end;gap:0}
.hero-left{padding-bottom:80px}
.hero-eyebrow{display:flex;align-items:center;gap:.6rem;font-size:.7rem;font-weight:800;text-transform:uppercase;letter-spacing:.12em;color:var(--green);margin-bottom:.85rem;font-family:var(--font)}
.hero-eyebrow-line{width:30px;height:2px;background:var(--amber);border-radius:1px}
.hero h1{margin-bottom:1.15rem;letter-spacing:-.02em}
.hero h1 em{font-style:italic;color:var(--green)}
.hero-sub{font-size:1.1rem;color:var(--text-muted);max-width:460px;margin-bottom:2.25rem;line-height:1.8}
.hero-btns{display:flex;gap:.85rem;flex-wrap:wrap;margin-bottom:2.75rem}
.hero-trust{display:flex;align-items:center;gap:1.5rem;padding-top:2rem;border-top:1px solid var(--border)}
.ht-item{display:flex;align-items:center;gap:.45rem;font-size:.8rem;color:var(--text-muted);font-weight:600}
.ht-dot{width:8px;height:8px;border-radius:50%;background:var(--green);flex-shrink:0}

/* Hero right — stepped card stack */
.hero-right{background:var(--green);min-height:520px;display:flex;align-items:flex-end;justify-content:center;padding:2.5rem;position:relative;overflow:hidden}
.hero-right::before{content:'';position:absolute;top:-80px;right:-60px;width:300px;height:300px;border-radius:50%;background:rgba(255,255,255,.04)}
.hero-right::after{content:'';position:absolute;bottom:-40px;left:-30px;width:200px;height:200px;border-radius:50%;background:rgba(232,147,10,.12)}
.h-card-stack{display:flex;flex-direction:column;gap:.85rem;width:100%;max-width:300px;position:relative;z-index:1}
.hc{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.13);border-radius:14px;padding:1.25rem 1.4rem;color:#fff;backdrop-filter:blur(12px)}
.hc-label{font-size:.62rem;text-transform:uppercase;letter-spacing:.09em;color:rgba(255,255,255,.5);margin-bottom:.3rem;font-family:var(--font)}
.hc-val{font-family:var(--serif);font-size:1.6rem;font-weight:700}
.hc-val.amber{color:var(--amber)}
.hc-sub{font-size:.73rem;color:rgba(255,255,255,.55);margin-top:.15rem;font-family:var(--font)}
.hc-divider{border:none;border-top:1px solid rgba(255,255,255,.1);margin:.85rem 0}
.hc-row{display:flex;justify-content:space-between;font-size:.82rem;padding:.2rem 0;font-family:var(--font)}
.hc-row span:first-child{color:rgba(255,255,255,.55)}
.hc-pill{display:inline-flex;align-items:center;gap:.3rem;padding:.2rem .65rem;border-radius:50px;font-size:.68rem;font-weight:700;font-family:var(--font)}
.hc-pill-green{background:rgba(34,197,94,.18);color:#4ade80}
.hc-pill-amber{background:rgba(232,147,10,.2);color:#fbbf24}

/* ── Service rows ──────────────────────── */
.svc-row{display:grid;grid-template-columns:1fr 1fr;gap:5rem;align-items:center}
.svc-row.reverse{direction:rtl}
.svc-row.reverse>*{direction:ltr}
.svc-panel{border-radius:var(--radius-xl);overflow:hidden;min-height:340px;display:flex;align-items:center;justify-content:center;flex-direction:column;gap:1.1rem;padding:2.5rem;position:relative}
.svc-panel.green-panel{background:linear-gradient(145deg,var(--green),var(--green-mid))}
.svc-panel.amber-panel{background:linear-gradient(145deg,var(--amber),#F5C842)}
.svc-panel.stone-panel{background:var(--stone);border:2px solid var(--border)}
.svc-icon-lg{font-size:2.8rem;margin-bottom:.5rem}
.svc-panel-title{font-family:var(--serif);font-size:1.3rem;font-weight:700;color:#fff;text-align:center}
.svc-panel.stone-panel .svc-panel-title{color:var(--text)}
.svc-panel-sub{font-size:.85rem;color:rgba(255,255,255,.75);text-align:center;line-height:1.65;max-width:240px}
.svc-panel.stone-panel .svc-panel-sub{color:var(--text-muted)}
.svc-mini-card{background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.15);border-radius:10px;padding:.85rem 1.1rem;color:#fff;width:100%;font-family:var(--font)}
.svc-mini-row{display:flex;justify-content:space-between;align-items:center;font-size:.82rem}
.svc-mini-row+.svc-mini-row{margin-top:.4rem}

/* ── Product cards ─────────────────────── */
.prod-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.35rem}
.prod{background:var(--white);border:1px solid var(--border);border-radius:var(--radius-lg);padding:1.75rem;transition:.2s;position:relative;overflow:hidden}
.prod::after{content:'';position:absolute;left:0;top:0;bottom:0;width:4px;background:var(--accent-bar,var(--green));transform:scaleY(0);transform-origin:bottom;transition:.25s}
.prod:hover{box-shadow:var(--shadow);transform:translateY(-4px)}
.prod:hover::after{transform:scaleY(1)}
.prod-ico{width:50px;height:50px;border-radius:12px;display:flex;align-items:center;justify-content:center;font-size:1.3rem;margin-bottom:1.1rem;flex-shrink:0}
.prod-ico.g{background:var(--green-light)}
.prod-ico.a{background:var(--amber-light)}
.prod-ico.s{background:var(--stone)}
.prod h4{margin-bottom:.4rem;font-size:1rem}
.prod p{font-size:.875rem;color:var(--text-muted);line-height:1.65;margin-bottom:1rem}
.prod-link{font-size:.83rem;font-weight:700;color:var(--green);display:inline-flex;align-items:center;gap:.35rem}
.prod-link:hover{color:var(--amber);text-decoration:none}

/* ── Stat band ─────────────────────────── */
.stat-band{display:grid;grid-template-columns:repeat(4,1fr);text-align:center;gap:1px;background:var(--border-mid)}
.stat-item{background:var(--green);padding:2.5rem 1rem}
.stat-num{font-family:var(--serif);font-size:2.4rem;font-weight:700;color:var(--amber);line-height:1;margin-bottom:.35rem}
.stat-lbl{font-size:.82rem;color:rgba(255,255,255,.75);font-weight:600}

/* ── Why us ────────────────────────────── */
.why-item{display:flex;gap:1.1rem;margin-bottom:1.5rem}
.why-num{width:40px;height:40px;border-radius:50%;background:var(--amber);display:flex;align-items:center;justify-content:center;font-family:var(--serif);font-size:1rem;font-weight:700;color:#fff;flex-shrink:0}
.why-title{font-family:var(--serif);font-size:1rem;margin-bottom:.25rem}
.why-desc{font-size:.875rem;color:var(--text-muted);line-height:1.65}

/* ── CTA band ──────────────────────────── */
.cta-band{background:linear-gradient(135deg,var(--green),var(--green-mid));padding:80px 0;text-align:center;position:relative;overflow:hidden}
.cta-band::before{content:'';position:absolute;top:-60px;right:-60px;width:300px;height:300px;border-radius:50%;background:rgba(255,255,255,.04)}
.cta-band::after{content:'';position:absolute;bottom:-40px;left:-30px;width:200px;height:200px;border-radius:50%;background:rgba(232,147,10,.1)}
.cta-band h2{color:#fff;margin-bottom:.7rem;position:relative}
.cta-band p{color:rgba(255,255,255,.8);margin-bottom:1.85rem;font-size:1.05rem;position:relative}
.cta-btns{display:flex;gap:.85rem;justify-content:center;flex-wrap:wrap;position:relative}

/* ── Footer ────────────────────────────── */
.site-footer{background:var(--text);color:rgba(255,255,255,.65)}
.footer-main{padding:3.5rem 0 2.5rem}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:2.5rem}
.footer-logo-row{display:flex;align-items:center;gap:.7rem;margin-bottom:1rem}
.footer-about{font-size:.84rem;line-height:1.75;color:rgba(255,255,255,.5);max-width:280px}
.footer-social{display:flex;gap:.55rem;margin-top:1.25rem}
.footer-social a{width:34px;height:34px;background:rgba(255,255,255,.07);border-radius:8px;display:flex;align-items:center;justify-content:center;font-size:.8rem;color:rgba(255,255,255,.6);transition:.13s;text-decoration:none}
.footer-social a:hover{background:var(--amber);color:#fff;text-decoration:none}
.footer-badges{display:flex;gap:.55rem;flex-wrap:wrap;margin-top:1rem}
.footer-badge{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.1);border-radius:5px;padding:.3rem .65rem;font-size:.67rem;color:rgba(255,255,255,.45)}
.footer-col h5{color:#fff;font-size:.78rem;font-weight:700;text-transform:uppercase;letter-spacing:.09em;margin-bottom:1rem;font-family:var(--font)}
.footer-col ul{list-style:none}
.footer-col li{margin-bottom:.5rem}
.footer-col a{font-size:.83rem;color:rgba(255,255,255,.5);transition:.12s}
.footer-col a:hover{color:var(--amber);text-decoration:none}
.footer-bottom{border-top:1px solid rgba(255,255,255,.08);padding:1.25rem 0}
.fb-inner{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:.75rem}
.fb-inner p{font-size:.76rem;color:rgba(255,255,255,.35)}
.fb-links{display:flex;gap:1.5rem}
.fb-links a{font-size:.76rem;color:rgba(255,255,255,.35)}
.fb-links a:hover{color:var(--amber);text-decoration:none}

/* ── Page hero ─────────────────────────── */
.page-hero{background:var(--green);padding:44px 0}
.page-hero h1{color:#fff;font-size:clamp(1.6rem,3vw,2.35rem)}
.page-hero p{color:rgba(255,255,255,.78);margin-top:.5rem}
.breadcrumb{display:flex;align-items:center;gap:.5rem;font-size:.77rem;color:rgba(255,255,255,.5);margin-bottom:.6rem}
.breadcrumb a{color:var(--amber)}
.breadcrumb-sep{font-size:.6rem}

/* ── Forms ─────────────────────────────── */
.form-row{display:grid;gap:.85rem}
.form-row.c2{grid-template-columns:1fr 1fr}
.form-row.c3{grid-template-columns:1fr 1fr 1fr}
.fg{margin-bottom:.95rem}
.lbl{display:block;font-size:.73rem;font-weight:700;color:var(--text-muted);margin-bottom:.38rem;text-transform:uppercase;letter-spacing:.05em}
.fc{width:100%;padding:.72rem 1rem;border:1.5px solid var(--border);border-radius:var(--radius);font-size:.88rem;color:var(--text);background:var(--white);font-family:var(--font);outline:none;transition:.15s}
.fc:focus{border-color:var(--green);box-shadow:0 0 0 3px rgba(15,92,58,.1)}
.fc::placeholder{color:var(--text-light)}

/* ── Accordion ─────────────────────────── */
.acc-item{border:1px solid var(--border);border-radius:var(--radius);margin-bottom:.65rem}
.acc-btn{width:100%;display:flex;justify-content:space-between;align-items:center;padding:1rem 1.25rem;background:none;border:none;text-align:left;font-size:.9rem;font-weight:700;color:var(--text);cursor:pointer;font-family:var(--font);transition:.12s}
.acc-btn:hover{background:var(--green-xlight)}
.acc-btn.open{background:var(--green-xlight);color:var(--green)}
.acc-icon{font-size:1.1rem;color:var(--text-light);transition:.2s}
.acc-btn.open .acc-icon{transform:rotate(45deg);color:var(--green)}
.acc-body{display:none;padding:0 1.25rem 1.1rem;font-size:.875rem;color:var(--text-muted);line-height:1.75}
.acc-body.open{display:block}

/* ── Card ──────────────────────────────── */
.card{background:var(--white);border:1px solid var(--border);border-radius:var(--radius-lg);padding:2rem;box-shadow:var(--shadow-sm)}

/* ── Mobile ────────────────────────────── */
.m-menu{display:none;position:fixed;inset:0;background:var(--green);z-index:1000;flex-direction:column;padding:1.5rem;overflow-y:auto}
.m-menu.open{display:flex}
.m-head{display:flex;justify-content:space-between;align-items:center;margin-bottom:2rem}
.m-close{background:none;border:none;color:#fff;font-size:1.5rem;cursor:pointer}
.m-link{display:block;padding:.85rem 0;color:rgba(255,255,255,.85);font-size:.95rem;font-weight:600;border-bottom:1px solid rgba(255,255,255,.08);text-decoration:none}
.m-link:hover{color:var(--amber);text-decoration:none}

@media(max-width:1024px){
  .stat-band{grid-template-columns:repeat(2,1fr)}
  .footer-grid{grid-template-columns:1fr 1fr;gap:2rem}
}
@media(max-width:768px){
  .nav-links,.nav-right{display:none}
  .nav-burger{display:block}
  .hero-grid{grid-template-columns:1fr}
  .hero-right{display:none}
  .hero{padding:52px 0}
  .prod-grid,.form-row.c2,.form-row.c3{grid-template-columns:1fr}
  .svc-row,.svc-row.reverse{grid-template-columns:1fr;direction:ltr}
  .footer-grid{grid-template-columns:1fr}
  .topbar .topbar-left{display:none}
  .stat-band{grid-template-columns:1fr 1fr}
}
@media(max-width:480px){
  .hero-btns,.cta-btns{flex-direction:column;align-items:flex-start}
}