/* ===================================================
   Quincy Credit Union — QCU.org Redesign
   Style: Navy & Gold, Modern Financial, DM Serif + Inter
   =================================================== */

:root {
  --navy:        #1B2D4F;
  --navy-light:  #2a4a7f;
  --gold:        #C8870A;
  --gold-hover:  #a66f08;
  --cream:       #F7F5F1;
  --mid-gray:    #6c757d;
  --text-dark:   #1a1a2e;
  --border:      #e0ddd7;
}

/* ---- BASE ---- */
html { scroll-behavior: smooth; }
body {
  font-family: 'Inter', sans-serif;
  color: var(--text-dark);
  background: #fff;
  line-height: 1.7;
}
h1, h2, h3, h4, h5, h6 { font-family: 'DM Serif Display', serif; }
h2 em { font-style: italic; color: var(--gold); }
.text-gold { color: var(--gold) !important; }

/* ---- NAVBAR ---- */
#mainNav {
  background: rgba(27, 45, 79, 0.97);
  backdrop-filter: blur(8px);
  transition: box-shadow 0.3s;
  padding: 0.6rem 0;
}
#mainNav.nav-scrolled {
  box-shadow: 0 4px 20px rgba(0,0,0,0.25);
}
.navbar-brand { text-decoration: none; }
.brand-name {
  font-family: 'DM Serif Display', serif;
  font-size: 1.1rem;
  color: #fff;
  letter-spacing: 0.02em;
  line-height: 1.2;
}
.navbar-brand img { filter: brightness(0) invert(1); }
.nav-link {
  color: rgba(255,255,255,0.85) !important;
  font-size: 0.88rem;
  font-weight: 500;
  letter-spacing: 0.02em;
  padding: 0.5rem 0.6rem !important;
  transition: color 0.2s;
}
.nav-link:hover { color: var(--gold) !important; }
.btn-join {
  background: var(--gold);
  color: #fff !important;
  border-radius: 4px;
  padding: 0.4rem 1.1rem;
  font-size: 0.85rem;
  font-weight: 600;
  letter-spacing: 0.03em;
  transition: background 0.2s;
  text-decoration: none;
}
.btn-join:hover { background: var(--gold-hover); }

/* ---- HERO ---- */
#hero {
  position: relative;
  min-height: 90vh;
  display: flex;
  align-items: center;
  justify-content: center;
  overflow: hidden;
  padding-top: 80px;
}
.hero-bg {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center 30%;
  background-repeat: no-repeat;
}
.hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(
    160deg,
    rgba(27,45,79,0.68) 0%,
    rgba(27,45,79,0.42) 60%,
    rgba(27,45,79,0.22) 100%
  );
}
.hero-content {
  position: relative;
  z-index: 2;
  padding: 3rem 1rem;
  max-width: 780px;
}
.hero-eyebrow {
  font-size: 0.82rem;
  font-weight: 600;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 1rem;
}
.hero-title {
  font-family: 'DM Serif Display', serif;
  font-size: clamp(2.6rem, 6vw, 4.2rem);
  color: #fff;
  line-height: 1.12;
  margin-bottom: 1.2rem;
}
.hero-title em { color: var(--gold); font-style: italic; }
.hero-sub {
  font-size: 1.1rem;
  color: rgba(255,255,255,0.88);
  max-width: 600px;
  margin: 0 auto;
  font-weight: 300;
}

/* ---- BUTTONS ---- */
.btn-gold {
  background: var(--gold);
  color: #fff;
  border: 2px solid var(--gold);
  font-weight: 600;
  letter-spacing: 0.03em;
  transition: all 0.2s;
}
.btn-gold:hover { background: var(--gold-hover); border-color: var(--gold-hover); color: #fff; }

.btn-navy {
  background: var(--navy);
  color: #fff;
  border: 2px solid var(--navy);
  font-weight: 600;
  transition: all 0.2s;
}
.btn-navy:hover { background: var(--navy-light); border-color: var(--navy-light); color: #fff; }

.btn-outline-navy {
  background: transparent;
  color: var(--navy);
  border: 2px solid var(--navy);
  font-weight: 600;
  font-size: 0.85rem;
  transition: all 0.2s;
}
.btn-outline-navy:hover { background: var(--navy); color: #fff; }

/* ---- RATES BAR ---- */
.rates-bar {
  background: var(--navy);
  padding: 1rem 0;
}
.rate-item {
  padding: 0.75rem 1.5rem;
  border-right: 1px solid rgba(255,255,255,0.12);
  display: flex;
  flex-direction: column;
  gap: 2px;
}
.rate-item:last-child { border-right: 0; }
.rate-val {
  font-family: 'DM Serif Display', serif;
  font-size: 1.7rem;
  color: var(--gold);
  line-height: 1;
}
.rate-label {
  font-size: 0.72rem;
  color: rgba(255,255,255,0.65);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-weight: 500;
}

/* ---- QUICK LINKS ---- */
.quick-links { background: #fff; }
.quick-card {
  background: var(--cream);
  border-radius: 12px;
  padding: 2rem 1.5rem;
  text-decoration: none;
  color: var(--navy);
  font-weight: 600;
  font-size: 0.95rem;
  letter-spacing: 0.02em;
  transition: transform 0.2s, box-shadow 0.2s;
  border: 2px solid transparent;
}
.quick-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 8px 28px rgba(27,45,79,0.12);
  border-color: var(--gold);
  color: var(--navy);
}
.quick-icon {
  width: 56px;
  height: 56px;
  background: var(--navy);
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  color: var(--gold);
}

/* ---- SECTION COMMONS ---- */
.section-padded { padding: 5rem 0; }
.bg-light-cream { background: var(--cream); }
.bg-navy { background: var(--navy); }
.section-tag {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold);
  border-bottom: 2px solid var(--gold);
  padding-bottom: 2px;
  margin-bottom: 0.75rem;
}
.section-tag-light {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: rgba(200,135,10,0.85);
  border-bottom: 2px solid rgba(200,135,10,0.6);
  padding-bottom: 2px;
  margin-bottom: 0.75rem;
}
.section-header h2 { font-size: clamp(1.9rem, 3.5vw, 2.6rem); }
.section-sub {
  color: var(--mid-gray);
  font-size: 1rem;
  max-width: 580px;
  margin: 0.5rem auto 0;
}

/* ---- PRODUCT CARDS ---- */
.product-card {
  border-radius: 12px;
  overflow: hidden;
  background: #fff;
  box-shadow: 0 2px 14px rgba(0,0,0,0.07);
  transition: transform 0.2s, box-shadow 0.2s;
}
.product-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 8px 28px rgba(0,0,0,0.12);
}
.product-img {
  width: 100%;
  height: 200px;
  object-fit: cover;
}
.product-color-block {
  width: 100%;
  height: 200px;
  display: flex;
  align-items: center;
  justify-content: center;
}
.product-body {
  padding: 1.25rem 1.4rem;
}
.product-body h5 {
  font-family: 'DM Serif Display', serif;
  font-size: 1.15rem;
  margin-bottom: 0.5rem;
  color: var(--navy);
}
.product-body p {
  font-size: 0.9rem;
  color: var(--mid-gray);
  line-height: 1.6;
}

.student-callout {
  background: var(--navy);
  border-radius: 12px;
  padding: 2rem 2.5rem;
  color: #fff;
}
.student-callout h5 { color: #fff; font-family: 'DM Serif Display', serif; }
.student-callout p { color: rgba(255,255,255,0.78); font-size: 0.95rem; margin: 0; }

/* ---- SAVE CARDS ---- */
.save-card {
  background: #fff;
  border-radius: 12px;
  padding: 2rem 1.5rem;
  box-shadow: 0 2px 14px rgba(0,0,0,0.06);
  border-top: 4px solid var(--gold);
  transition: transform 0.2s;
}
.save-card:hover { transform: translateY(-3px); }
.save-icon {
  font-size: 2.2rem;
  color: var(--navy);
  margin-bottom: 1rem;
  display: block;
}
.save-card h6 {
  font-family: 'DM Serif Display', serif;
  font-size: 1.05rem;
  color: var(--navy);
  margin-bottom: 0.5rem;
}
.save-card p { font-size: 0.9rem; color: var(--mid-gray); }

/* ---- INVEST BANNER ---- */
.invest-banner-section {
  position: relative;
  overflow: hidden;
  min-height: 320px;
  display: flex;
  align-items: center;
}
.invest-banner-img {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
}
.invest-banner-overlay {
  position: relative;
  z-index: 2;
  width: 100%;
  padding: 4rem 0;
  background: linear-gradient(90deg, rgba(27,45,79,0.9) 40%, rgba(27,45,79,0.3) 100%);
}
.invest-banner-overlay h3 {
  color: #fff;
  font-size: clamp(1.5rem, 2.5vw, 2rem);
}
.invest-banner-overlay p {
  color: rgba(255,255,255,0.8);
  max-width: 500px;
  font-size: 0.95rem;
}

/* ---- BUSINESS ---- */
.business-list {
  list-style: none;
  padding: 0;
  margin: 0;
}
.business-list li {
  padding: 0.5rem 0;
  font-size: 0.95rem;
  color: var(--text-dark);
  display: flex;
  align-items: center;
  gap: 0.6rem;
  border-bottom: 1px solid var(--border);
}
.business-list li:last-child { border-bottom: none; }
.business-list .bi { color: var(--gold); font-size: 1rem; flex-shrink: 0; }

/* ---- ACCESS CARDS ---- */
.access-card {
  background: #fff;
  border-radius: 12px;
  padding: 1.75rem 1.5rem;
  height: 100%;
  border-left: 4px solid var(--navy);
  box-shadow: 0 2px 12px rgba(0,0,0,0.06);
  transition: transform 0.2s;
}
.access-card:hover { transform: translateY(-3px); }
.access-icon {
  font-size: 1.8rem;
  color: var(--gold);
  display: block;
  margin-bottom: 0.8rem;
}
.access-card h6 {
  font-family: 'DM Serif Display', serif;
  font-size: 1rem;
  color: var(--navy);
  margin-bottom: 0.4rem;
}
.access-card p { font-size: 0.88rem; color: var(--mid-gray); margin: 0; }

/* ---- GALLERY ---- */
.gallery-img {
  width: 100%;
  height: 280px;
  object-fit: cover;
  border-radius: 8px;
  transition: transform 0.3s;
  display: block;
}
.gallery-img:hover { transform: scale(1.02); }

/* ---- ABOUT ---- */
.about-stat-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}
.stat-block {
  border-radius: 12px;
  padding: 2rem 1.5rem;
  display: flex;
  flex-direction: column;
  gap: 0.3rem;
}
.bg-navy .stat-num, .bg-navy-light .stat-num { color: var(--gold); }
.bg-gold .stat-num { color: #fff; }
.bg-slate .stat-num { color: #fff; }
.stat-num {
  font-family: 'DM Serif Display', serif;
  font-size: 2.4rem;
  line-height: 1;
}
.stat-lbl {
  font-size: 0.82rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  line-height: 1.3;
}
.bg-navy { background: var(--navy); }
.bg-navy .stat-lbl { color: rgba(255,255,255,0.65); }
.bg-navy-light { background: var(--navy-light); }
.bg-navy-light .stat-lbl { color: rgba(255,255,255,0.65); }
.bg-gold { background: var(--gold); }
.bg-gold .stat-lbl { color: rgba(255,255,255,0.8); }
.bg-slate { background: #3d5a80; }
.bg-slate .stat-lbl { color: rgba(255,255,255,0.7); }

.about-badges { }
.badge-tag {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  background: var(--cream);
  color: var(--navy);
  font-size: 0.8rem;
  font-weight: 600;
  padding: 0.35rem 0.9rem;
  border-radius: 30px;
  border: 1px solid var(--border);
}
.badge-tag .bi { color: var(--gold); }

/* ---- JOIN ---- */
.join-section {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  padding: 5.5rem 0;
}
.join-section h2 { font-size: clamp(2rem, 3.5vw, 2.8rem); }
.text-white-75 { color: rgba(255,255,255,0.75); }

/* ---- LOCATIONS ---- */
.location-card {
  background: #fff;
  border-radius: 12px;
  padding: 1.6rem;
  box-shadow: 0 2px 14px rgba(0,0,0,0.07);
  border-bottom: 4px solid var(--navy);
}
.location-header {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  margin-bottom: 0.75rem;
}
.location-header .bi { font-size: 1.3rem; color: var(--gold); }
.location-header h6 {
  font-family: 'DM Serif Display', serif;
  font-size: 1.05rem;
  color: var(--navy);
  margin: 0;
  display: flex;
  align-items: center;
  gap: 0.4rem;
}
.badge-main {
  font-size: 0.65rem;
  font-family: 'Inter', sans-serif;
  font-weight: 700;
  letter-spacing: 0.06em;
  background: var(--navy);
  color: #fff;
  padding: 0.15rem 0.5rem;
  border-radius: 3px;
  text-transform: uppercase;
}
.badge-new {
  font-size: 0.65rem;
  font-family: 'Inter', sans-serif;
  font-weight: 700;
  letter-spacing: 0.06em;
  background: var(--gold);
  color: #fff;
  padding: 0.15rem 0.5rem;
  border-radius: 3px;
  text-transform: uppercase;
}
.loc-address {
  font-size: 0.88rem;
  color: var(--mid-gray);
  border-bottom: 1px solid var(--border);
  padding-bottom: 0.75rem;
  margin-bottom: 0.75rem;
  line-height: 1.5;
}
.loc-hours strong { font-size: 0.75rem; text-transform: uppercase; letter-spacing: 0.06em; color: var(--navy); }
.loc-hours p { font-size: 0.82rem; color: var(--mid-gray); margin: 0.2rem 0 0.75rem; line-height: 1.5; }
.atm-note {
  font-size: 0.78rem !important;
  color: var(--navy) !important;
  font-weight: 600;
}
.atm-note .bi { color: var(--gold); }

.map-wrap {
  border-radius: 12px;
  overflow: hidden;
  box-shadow: 0 4px 20px rgba(0,0,0,0.12);
}
.atm-callout {
  background: rgba(27,45,79,0.06);
  border-radius: 8px;
  padding: 1rem;
  font-size: 0.88rem;
  color: var(--text-dark);
}
.atm-callout .bi { color: var(--gold); }

/* ---- FOOTER ---- */
.site-footer {
  background: #111927;
  color: rgba(255,255,255,0.65);
  padding: 4rem 0 2rem;
}
.footer-tagline {
  font-family: 'DM Serif Display', serif;
  color: rgba(255,255,255,0.9);
  font-size: 1.05rem;
  margin-bottom: 0.3rem;
}
.footer-small { font-size: 0.78rem; color: rgba(255,255,255,0.4); margin-bottom: 0.25rem; }
.footer-social a {
  font-size: 1.25rem;
  color: rgba(255,255,255,0.5);
  transition: color 0.2s;
  text-decoration: none;
}
.footer-social a:hover { color: var(--gold); }
.footer-head {
  color: rgba(255,255,255,0.9);
  font-family: 'DM Serif Display', serif;
  font-size: 0.9rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 0.75rem;
}
.footer-links {
  list-style: none;
  padding: 0;
  margin: 0;
}
.footer-links li { margin-bottom: 0.35rem; }
.footer-links a {
  color: rgba(255,255,255,0.5);
  text-decoration: none;
  font-size: 0.85rem;
  transition: color 0.2s;
}
.footer-links a:hover { color: var(--gold); }
.footer-hr { border-color: rgba(255,255,255,0.1); }
.footer-bottom { padding-top: 1rem; }
.footer-bottom .footer-small { color: rgba(255,255,255,0.35); font-size: 0.8rem; }

.wicked-fast-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  background: linear-gradient(135deg, var(--gold), #e8a020);
  color: #fff;
  font-size: 0.8rem;
  font-weight: 700;
  padding: 0.35rem 0.9rem;
  border-radius: 30px;
  text-decoration: none;
  letter-spacing: 0.04em;
  transition: opacity 0.2s;
}
.wicked-fast-badge:hover { opacity: 0.85; color: #fff; }

/* ===== RESPONSIVE ===== */
@media (max-width: 991.98px) {
  .navbar-collapse { padding: 1rem 0; border-top: 1px solid rgba(255,255,255,0.1); margin-top: 0.5rem; }
  .nav-link { padding: 0.6rem 0 !important; }
  .btn-join { margin-top: 0.5rem; display: inline-block; }
}

@media (max-width: 767.98px) {
  #hero { min-height: 80vh; }
  .rate-item { border-right: none; border-bottom: 1px solid rgba(255,255,255,0.12); padding: 0.65rem; }
  .rate-item:last-child { border-bottom: 0; }
  .about-stat-grid { gap: 0.75rem; }
  .stat-num { font-size: 1.8rem; }
  .invest-banner-overlay { padding: 3rem 0; }
  .student-callout { padding: 1.5rem; }
}

@media (max-width: 575.98px) {
  .hero-title { font-size: 2.2rem; }
  .section-padded { padding: 3.5rem 0; }
  .product-img, .product-color-block { height: 160px; }
  .gallery-img { height: 200px; }
}