* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

:root {
    --primary-navy: #003d7a;
    --secondary-navy: #002855;
    --light-navy: #0056b3;
    --white: #ffffff;
    --light-gray: #f8f9fa;
    --medium-gray: #6c757d;
    --dark-gray: #343a40;
    --accent-gold: #ffc107;
    --success-green: #28a745;
    --border-color: #dee2e6;
    --shadow-light: 0 2px 8px rgba(0, 61, 122, 0.1);
    --shadow-medium: 0 4px 16px rgba(0, 61, 122, 0.15);
    --shadow-strong: 0 8px 24px rgba(0, 61, 122, 0.2);
    --transition-speed: 0.3s;
}

body {
    font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif;
    line-height: 1.6;
    color: var(--dark-gray);
    background-color: var(--white);
}

.container-fluid {
    width: 100%;
    max-width: 1400px;
    margin: 0 auto;
    padding: 0 20px;
}

.container-standard {
    width: 100%;
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
}

.main-header {
    background: var(--white);
    box-shadow: var(--shadow-light);
    position: sticky;
    top: 0;
    z-index: 1000;
}

.navbar-primary {
    padding: 15px 0;
}

.nav-wrapper {
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.brand-logo img {
    height: 60px;
    width: auto;
}

.nav-menu {
    display: flex;
    list-style: none;
    gap: 35px;
    align-items: center;
}

.nav-menu a {
    text-decoration: none;
    color: var(--primary-navy);
    font-weight: 600;
    font-size: 16px;
    padding: 8px 16px;
    border-radius: 6px;
    transition: all var(--transition-speed);
    position: relative;
}

.nav-menu a:hover {
    background: var(--light-gray);
    color: var(--light-navy);
    transform: translateY(-2px);
}

.nav-menu a.active {
    background: var(--primary-navy);
    color: var(--white);
}

.mobile-toggle {
    display: none;
    font-size: 24px;
    color: var(--primary-navy);
    cursor: pointer;
}

.hero-banner {
    background: linear-gradient(135deg, var(--primary-navy) 0%, var(--secondary-navy) 100%);
    padding: 80px 0;
    position: relative;
    overflow: hidden;
}

.hero-overlay {
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: url('data:image/svg+xml,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 1200 600"><circle cx="100" cy="100" r="200" fill="rgba(255,255,255,0.03)"/><circle cx="1000" cy="400" r="300" fill="rgba(255,255,255,0.03)"/></svg>');
    opacity: 0.5;
}

.hero-content-wrap {
    position: relative;
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center;
}

.hero-text-area {
    color: var(--white);
}

.hero-headline {
    font-size: 48px;
    font-weight: 700;
    line-height: 1.2;
    margin-bottom: 20px;
}

.hero-subtext {
    font-size: 20px;
    line-height: 1.6;
    margin-bottom: 35px;
    opacity: 0.95;
}

.hero-cta-group {
    display: flex;
    gap: 20px;
}

.btn-primary-hero,
.btn-secondary-hero {
    padding: 15px 35px;
    font-size: 16px;
    font-weight: 600;
    text-decoration: none;
    border-radius: 8px;
    transition: all var(--transition-speed);
    display: inline-block;
    cursor: pointer;
    border: none;
    position: relative;
    overflow: hidden;
}

.btn-primary-hero {
    background: var(--white);
    color: var(--primary-navy);
}

.btn-primary-hero:hover {
    transform: translateY(-3px);
    box-shadow: 0 8px 20px rgba(255, 255, 255, 0.3);
}

.btn-secondary-hero {
    background: transparent;
    color: var(--white);
    border: 2px solid var(--white);
}

.btn-secondary-hero:hover {
    background: var(--white);
    color: var(--primary-navy);
    transform: translateY(-3px);
}

.hero-image-area img {
    width: 100%;
    height: auto;
    border-radius: 12px;
    box-shadow: var(--shadow-strong);
}

.ncua-badge-section {
    padding: 40px 0;
    background: var(--light-gray);
}

.badge-wrapper {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 25px;
    text-align: center;
}

.badge-icon {
    font-size: 60px;
    color: var(--success-green);
}

.badge-content h3 {
    color: var(--primary-navy);
    font-size: 28px;
    margin-bottom: 8px;
}

.badge-content p {
    color: var(--medium-gray);
    margin-bottom: 5px;
}

.registration-info {
    font-weight: 600;
    color: var(--primary-navy);
}

.online-banking-features {
    padding: 80px 0;
    background: var(--white);
}

.section-header-center {
    text-align: center;
    margin-bottom: 60px;
}

.section-header-center h2 {
    font-size: 40px;
    color: var(--primary-navy);
    margin-bottom: 15px;
}

.section-header-center p {
    font-size: 18px;
    color: var(--medium-gray);
    max-width: 700px;
    margin: 0 auto;
}

.features-grid-four {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
    gap: 30px;
}

.feature-card {
    background: var(--white);
    padding: 35px;
    border-radius: 12px;
    box-shadow: var(--shadow-light);
    transition: all var(--transition-speed);
    text-align: center;
    border: 2px solid var(--border-color);
}

.feature-card:hover {
    transform: translateY(-8px);
    box-shadow: var(--shadow-medium);
    border-color: var(--primary-navy);
}

.feature-icon-box {
    width: 80px;
    height: 80px;
    background: linear-gradient(135deg, var(--primary-navy), var(--light-navy));
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 20px;
    transition: all var(--transition-speed);
}

.feature-card:hover .feature-icon-box {
    transform: scale(1.1) rotate(5deg);
}

.feature-icon-box i {
    font-size: 36px;
    color: var(--white);
}

.feature-card h3 {
    font-size: 22px;
    color: var(--primary-navy);
    margin-bottom: 15px;
}

.feature-card p {
    color: var(--medium-gray);
    line-height: 1.7;
}

.about-credit-union {
    padding: 80px 0;
    background: var(--light-gray);
}

.about-grid-layout {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 50px;
    align-items: center;
}

.about-image-section img {
    width: 100%;
    height: auto;
    border-radius: 12px;
    box-shadow: var(--shadow-medium);
}

.about-text-section h2 {
    font-size: 36px;
    color: var(--primary-navy);
    margin-bottom: 20px;
}

.about-text-section p {
    font-size: 16px;
    color: var(--medium-gray);
    margin-bottom: 18px;
    line-height: 1.8;
}

.about-highlights-list {
    list-style: none;
    margin: 25px 0;
}

.about-highlights-list li {
    padding: 10px 0;
    color: var(--dark-gray);
    display: flex;
    align-items: center;
    gap: 12px;
}

.about-highlights-list i {
    color: var(--success-green);
    font-size: 18px;
}

.btn-link-arrow {
    display: inline-block;
    color: var(--primary-navy);
    font-weight: 600;
    text-decoration: none;
    padding: 12px 25px;
    border: 2px solid var(--primary-navy);
    border-radius: 8px;
    transition: all var(--transition-speed);
    margin-top: 15px;
}

.btn-link-arrow:hover {
    background: var(--primary-navy);
    color: var(--white);
    transform: translateX(5px);
}

.member-benefits-section {
    padding: 80px 0;
    background: var(--white);
}

.benefits-grid-three {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
    gap: 35px;
}

.benefit-item {
    text-align: center;
    padding: 30px;
}

.benefit-icon-circle {
    width: 100px;
    height: 100px;
    background: var(--light-gray);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 20px;
    border: 3px solid var(--primary-navy);
    transition: all var(--transition-speed);
}

.benefit-item:hover .benefit-icon-circle {
    background: var(--primary-navy);
    transform: scale(1.1);
}

.benefit-icon-circle i {
    font-size: 40px;
    color: var(--primary-navy);
    transition: color var(--transition-speed);
}

.benefit-item:hover .benefit-icon-circle i {
    color: var(--white);
}

.benefit-item h3 {
    font-size: 22px;
    color: var(--primary-navy);
    margin-bottom: 15px;
}

.benefit-item p {
    color: var(--medium-gray);
    line-height: 1.7;
}

.faq-section {
    padding: 80px 0;
    background: var(--light-gray);
}

.faq-container {
    max-width: 900px;
    margin: 0 auto;
}

.faq-item {
    background: var(--white);
    margin-bottom: 20px;
    border-radius: 8px;
    overflow: hidden;
    box-shadow: var(--shadow-light);
}

.faq-question {
    padding: 25px;
    cursor: pointer;
    display: flex;
    justify-content: space-between;
    align-items: center;
    background: var(--white);
    transition: all var(--transition-speed);
}

.faq-question:hover {
    background: var(--light-gray);
}

.faq-question h3 {
    font-size: 18px;
    color: var(--primary-navy);
    font-weight: 600;
}

.faq-question i {
    color: var(--primary-navy);
    transition: transform var(--transition-speed);
}

.faq-item.active .faq-question i {
    transform: rotate(180deg);
}

.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height var(--transition-speed);
}

.faq-item.active .faq-answer {
    max-height: 500px;
}

.faq-answer p {
    padding: 0 25px 25px;
    color: var(--medium-gray);
    line-height: 1.8;
}

.cta-section-final {
    padding: 80px 0;
    background: linear-gradient(135deg, var(--primary-navy), var(--light-navy));
    text-align: center;
}

.cta-content-box h2 {
    font-size: 42px;
    color: var(--white);
    margin-bottom: 20px;
}

.cta-content-box p {
    font-size: 20px;
    color: var(--white);
    margin-bottom: 35px;
    opacity: 0.95;
}

.btn-cta-large {
    display: inline-block;
    padding: 18px 45px;
    background: var(--white);
    color: var(--primary-navy);
    text-decoration: none;
    font-size: 18px;
    font-weight: 600;
    border-radius: 8px;
    transition: all var(--transition-speed);
}

.btn-cta-large:hover {
    transform: translateY(-5px);
    box-shadow: 0 10px 25px rgba(255, 255, 255, 0.3);
}

.site-footer {
    background: var(--secondary-navy);
    color: var(--white);
    padding: 60px 0 20px;
}

.footer-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 40px;
    margin-bottom: 40px;
}

.footer-column h4 {
    font-size: 20px;
    margin-bottom: 20px;
    color: var(--white);
}

.footer-column p {
    line-height: 1.8;
    opacity: 0.9;
    margin-bottom: 15px;
}

.footer-logo img {
    margin-top: 15px;
}

.footer-links {
    list-style: none;
}

.footer-links li {
    margin-bottom: 12px;
}

.footer-links a {
    color: var(--white);
    text-decoration: none;
    opacity: 0.85;
    transition: all var(--transition-speed);
}

.footer-links a:hover {
    opacity: 1;
    padding-left: 5px;
}

.footer-contact {
    list-style: none;
}

.footer-contact li {
    margin-bottom: 15px;
    display: flex;
    gap: 12px;
    align-items: flex-start;
}

.footer-contact i {
    color: var(--accent-gold);
    margin-top: 3px;
}

.footer-trust-signals {
    border-top: 1px solid rgba(255, 255, 255, 0.2);
    padding: 30px 0;
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: 20px;
}

.trust-badge {
    display: flex;
    align-items: center;
    gap: 12px;
    font-size: 18px;
    font-weight: 600;
}

.trust-badge i {
    font-size: 28px;
    color: var(--success-green);
}

.trust-links {
    display: flex;
    gap: 25px;
    flex-wrap: wrap;
}

.trust-links a {
    color: var(--white);
    text-decoration: none;
    opacity: 0.85;
    transition: opacity var(--transition-speed);
}

.trust-links a:hover {
    opacity: 1;
}

.footer-bottom {
    text-align: center;
    padding-top: 20px;
    border-top: 1px solid rgba(255, 255, 255, 0.2);
    opacity: 0.8;
}

.cookie-banner {
    position: fixed;
    bottom: 0;
    left: 0;
    right: 0;
    background: var(--white);
    box-shadow: 0 -4px 20px rgba(0, 0, 0, 0.15);
    padding: 25px;
    z-index: 9999;
    display: none;
    animation: slideUp 0.4s ease-out;
}

.cookie-banner.show {
    display: block;
}

@keyframes slideUp {
    from {
        transform: translateY(100%);
    }
    to {
        transform: translateY(0);
    }
}

.cookie-content {
    max-width: 1200px;
    margin: 0 auto;
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 30px;
}

.cookie-text h4 {
    color: var(--primary-navy);
    margin-bottom: 8px;
    font-size: 18px;
}

.cookie-text p {
    color: var(--medium-gray);
    font-size: 14px;
    line-height: 1.6;
}

.cookie-buttons {
    display: flex;
    gap: 15px;
    align-items: center;
    flex-shrink: 0;
}

.cookie-btn {
    padding: 12px 28px;
    border: none;
    border-radius: 6px;
    font-weight: 600;
    cursor: pointer;
    transition: all var(--transition-speed);
}

.cookie-btn.accept {
    background: var(--primary-navy);
    color: var(--white);
}

.cookie-btn.accept:hover {
    background: var(--light-navy);
    transform: translateY(-2px);
    box-shadow: 0 4px 12px rgba(0, 61, 122, 0.3);
}

.cookie-btn.reject {
    background: var(--light-gray);
    color: var(--dark-gray);
}

.cookie-btn.reject:hover {
    background: var(--medium-gray);
    color: var(--white);
}

.cookie-link {
    color: var(--primary-navy);
    text-decoration: none;
    font-weight: 600;
    border-bottom: 1px solid transparent;
    transition: border-color var(--transition-speed);
}

.cookie-link:hover {
    border-bottom-color: var(--primary-navy);
}

.pagination {
    display: flex;
    justify-content: center;
    align-items: center;
    gap: 10px;
    margin-top: 50px;
}

.page-number {
    width: 40px;
    height: 40px;
    display: flex;
    align-items: center;
    justify-content: center;
    border: 2px solid var(--primary-navy);
    border-radius: 6px;
    color: var(--primary-navy);
    font-weight: 600;
    text-decoration: none;
    transition: all var(--transition-speed);
}

.page-number:hover,
.page-number.active {
    background: var(--primary-navy);
    color: var(--white);
    transform: translateY(-2px);
}

@media (max-width: 992px) {
    .hero-content-wrap {
        grid-template-columns: 1fr;
        text-align: center;
    }
    
    .hero-cta-group {
        justify-content: center;
    }
    
    .about-grid-layout {
        grid-template-columns: 1fr;
    }
    
    .features-grid-four {
        grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
    }
}

@media (max-width: 768px) {
    .nav-menu {
        display: none;
    }
    
    .mobile-toggle {
        display: block;
    }
    
    .hero-headline {
        font-size: 36px;
    }
    
    .cookie-content {
        flex-direction: column;
        text-align: center;
    }
    
    .footer-trust-signals {
        flex-direction: column;
        text-align: center;
    }
}

.blog-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(350px, 1fr));
    gap: 35px;
    margin-top: 40px;
}

.blog-card {
    background: var(--white);
    border-radius: 12px;
    overflow: hidden;
    box-shadow: var(--shadow-light);
    transition: all var(--transition-speed);
}

.blog-card:hover {
    transform: translateY(-8px);
    box-shadow: var(--shadow-medium);
}

.blog-card-image {
    width: 100%;
    height: 240px;
    overflow: hidden;
}

.blog-card-image img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    transition: transform var(--transition-speed);
}

.blog-card:hover .blog-card-image img {
    transform: scale(1.1);
}

.blog-card-content {
    padding: 25px;
}

.blog-card-date {
    color: var(--medium-gray);
    font-size: 14px;
    margin-bottom: 10px;
}

.blog-card-title {
    font-size: 22px;
    color: var(--primary-navy);
    margin-bottom: 12px;
}

.blog-card-excerpt {
    color: var(--medium-gray);
    line-height: 1.7;
    margin-bottom: 18px;
}

.blog-read-more {
    display: inline-block;
    color: var(--primary-navy);
    font-weight: 600;
    text-decoration: none;
    transition: all var(--transition-speed);
}

.blog-read-more:hover {
    color: var(--light-navy);
    padding-left: 5px;
}

.contact-section {
    padding: 80px 0;
}

.contact-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 50px;
}

.contact-info-box {
    background: var(--light-gray);
    padding: 40px;
    border-radius: 12px;
}

.contact-info-item {
    display: flex;
    gap: 20px;
    margin-bottom: 30px;
}

.contact-icon {
    width: 50px;
    height: 50px;
    background: var(--primary-navy);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}

.contact-icon i {
    color: var(--white);
    font-size: 22px;
}

.contact-details h4 {
    color: var(--primary-navy);
    margin-bottom: 5px;
}

.contact-details p {
    color: var(--medium-gray);
}

.contact-form-box {
    background: var(--white);
    padding: 40px;
    border-radius: 12px;
    box-shadow: var(--shadow-light);
}

.form-group {
    margin-bottom: 25px;
}

.form-group label {
    display: block;
    margin-bottom: 8px;
    color: var(--primary-navy);
    font-weight: 600;
}

.form-control {
    width: 100%;
    padding: 12px 15px;
    border: 2px solid var(--border-color);
    border-radius: 6px;
    font-size: 16px;
    transition: all var(--transition-speed);
}

.form-control:focus {
    outline: none;
    border-color: var(--primary-navy);
    box-shadow: 0 0 0 3px rgba(0, 61, 122, 0.1);
}

textarea.form-control {
    resize: vertical;
    min-height: 150px;
}

.btn-submit {
    background: var(--primary-navy);
    color: var(--white);
    padding: 15px 40px;
    border: none;
    border-radius: 8px;
    font-size: 16px;
    font-weight: 600;
    cursor: pointer;
    transition: all var(--transition-speed);
    width: 100%;
}

.btn-submit:hover {
    background: var(--light-navy);
    transform: translateY(-3px);
    box-shadow: 0 6px 20px rgba(0, 61, 122, 0.3);
}

.success-modal {
    display: none;
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: rgba(0, 0, 0, 0.6);
    z-index: 10000;
    align-items: center;
    justify-content: center;
}

.success-modal.show {
    display: flex;
}

.modal-content {
    background: var(--white);
    padding: 40px;
    border-radius: 12px;
    text-align: center;
    max-width: 500px;
    animation: modalZoom 0.3s ease-out;
}

@keyframes modalZoom {
    from {
        transform: scale(0.7);
        opacity: 0;
    }
    to {
        transform: scale(1);
        opacity: 1;
    }
}

.modal-icon {
    font-size: 60px;
    color: var(--success-green);
    margin-bottom: 20px;
}

.modal-content h3 {
    color: var(--primary-navy);
    margin-bottom: 15px;
    font-size: 28px;
}

.modal-content p {
    color: var(--medium-gray);
    margin-bottom: 25px;
}

.modal-close-btn {
    background: var(--primary-navy);
    color: var(--white);
    padding: 12px 35px;
    border: none;
    border-radius: 6px;
    font-weight: 600;
    cursor: pointer;
    transition: all var(--transition-speed);
}

.modal-close-btn:hover {
    background: var(--light-navy);
}

.team-section {
    padding: 80px 0;
}

.team-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 35px;
    margin-top: 50px;
}

.team-member-card {
    background: var(--white);
    border-radius: 12px;
    overflow: hidden;
    box-shadow: var(--shadow-light);
    transition: all var(--transition-speed);
    text-align: center;
}

.team-member-card:hover {
    transform: translateY(-10px);
    box-shadow: var(--shadow-medium);
}

.team-member-photo {
    width: 100%;
    height: 400px;
    overflow: hidden;
}

.team-member-photo img {
    width: 100%;
    height: 100%;
    object-fit: cover;
}

.team-member-info {
    padding: 25px;
}

.team-member-info h3 {
    color: var(--primary-navy);
    font-size: 22px;
    margin-bottom: 8px;
}

.team-member-position {
    color: var(--light-navy);
    font-weight: 600;
    margin-bottom: 12px;
}

.team-member-bio {
    color: var(--medium-gray);
    line-height: 1.7;
}

.article-content {
    max-width: 900px;
    margin: 0 auto;
    padding: 80px 20px;
}

.article-header {
    margin-bottom: 40px;
}

.article-title {
    font-size: 42px;
    color: var(--primary-navy);
    margin-bottom: 15px;
    line-height: 1.3;
}

.article-meta {
    color: var(--medium-gray);
    font-size: 16px;
}

.article-featured-image {
    width: 100%;
    height: 450px;
    border-radius: 12px;
    overflow: hidden;
    margin-bottom: 40px;
}

.article-featured-image img {
    width: 100%;
    height: 100%;
    object-fit: cover;
}

.article-body {
    line-height: 1.9;
    color: var(--dark-gray);
}

.article-body h2 {
    color: var(--primary-navy);
    font-size: 32px;
    margin: 35px 0 20px;
}

.article-body h3 {
    color: var(--primary-navy);
    font-size: 26px;
    margin: 30px 0 15px;
}

.article-body p {
    margin-bottom: 20px;
    font-size: 17px;
}

.article-body ul,
.article-body ol {
    margin: 20px 0 20px 30px;
}

.article-body li {
    margin-bottom: 10px;
}