/* 3riversfcu.co.com — visual mirror of 3riversfcu.org (navy #00416B + gold #FFC432).
   Structure-from-original: utility bar -> nav (gold Login) -> hero (text + photo) ->
   4 product cards (circle icons) -> navy Current-Rates 4-up -> "Why 3Rivers?" 3 cards
   -> navy/purple gradient CTA band -> footer. */

:root{
  --navy:#00416B; --navy-d:#012B46; --blue:#2161A9; --gold:#FFC432; --gold-d:#e6a800;
  --gold-l:#FFEFC5; --purple:#6D6DA1; --bg:#EDF2F4;
  --text:#2a2f36; --muted:#5a6472; --line:#dce3e9; --white:#fff;
  --wrap:1180px;
  --font:"Segoe UI",Arial,Helvetica,sans-serif;
  --display:"Segoe UI",-apple-system,Arial,sans-serif;
}
*{box-sizing:border-box}
body{margin:0;font-family:var(--font);color:var(--text);background:var(--white);line-height:1.55;font-size:16px}
img{max-width:100%;height:auto;display:block}
a{color:var(--blue)}a:hover{text-decoration:underline}
h1,h2,h3,h4{font-family:var(--display);color:var(--navy);line-height:1.2;margin:0 0 .5em}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px}.skip:focus{left:8px;top:8px;background:#fff;padding:8px;z-index:100}

/* buttons */
.btn{display:inline-block;background:var(--gold);color:#3a2e00;font-weight:800;padding:11px 26px;border-radius:6px;font-size:14px}
.btn:hover{background:var(--gold-d);text-decoration:none;color:#3a2e00}
.btn-outline{display:inline-block;background:#fff;color:var(--navy);border:2px solid var(--gold);font-weight:800;padding:9px 24px;border-radius:6px;font-size:14px}
.btn-outline:hover{text-decoration:none;background:var(--gold-l)}
.btn-navy{display:inline-block;background:var(--navy);color:#fff;font-weight:800;padding:11px 26px;border-radius:6px;font-size:14px}
.btn-navy:hover{background:var(--navy-d);text-decoration:none;color:#fff}

/* utility bar */
.util{background:#eaf1f6;font-size:13px}
.util-inner{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:7px 0;flex-wrap:wrap}
.util-routing b{color:var(--navy)}
.util-links{display:flex;gap:18px}.util-links a{color:var(--navy)}

/* main nav */
.nav{background:#fff;border-bottom:1px solid var(--line)}
.nav-inner{display:flex;align-items:center;justify-content:space-between;padding:12px 0;gap:20px;flex-wrap:wrap}
.brand{display:flex;align-items:center;gap:10px}
.brand-glyph{width:40px;height:40px;flex:0 0 auto}
.brand-word b{font-family:var(--display);font-size:24px;color:var(--navy);font-weight:800;font-style:italic;letter-spacing:-.01em}
.brand-word span{display:block;font-size:8px;letter-spacing:.24em;color:var(--blue);font-weight:700;font-style:normal}
.nav-menu{display:flex;gap:20px;font-size:14px;font-weight:600}
.nav-menu a{color:var(--navy)}.nav-menu a:hover{color:var(--blue)}
.nav-cta{display:flex;gap:10px;align-items:center}

/* alert bar */
.alertbar{background:var(--navy);color:#fff;font-size:12.5px;text-align:center;padding:7px 0}
.alertbar a{color:var(--gold);text-decoration:underline;font-weight:700}

/* HERO */
.hero{background:linear-gradient(180deg,#dbe9f3,#eef4f9)}
.hero-inner{display:grid;grid-template-columns:1.1fr 1fr;gap:34px;align-items:center;padding:44px 0 50px}
.hero-title{color:var(--navy);font-size:46px;line-height:1.05;margin:0 0 14px}
.hero-title em{color:var(--blue);font-style:normal}
.hero p{font-size:16px;color:#44586a;max-width:46ch;margin:0 0 20px}
.hero-cta{display:flex;gap:12px;flex-wrap:wrap}
.hero-photo img{border-radius:12px;width:100%}

/* product cards (circle icons) */
.solutions{padding:36px 0;text-align:center}
.solutions .eyebrow{color:var(--blue);font-size:13px;font-weight:700;letter-spacing:.04em}
.solutions h2{font-size:28px}
.prodgrid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;margin-top:22px}
.prod{background:#fff;border:1px solid var(--line);border-radius:10px;padding:24px 18px}
.prod .circ{width:56px;height:56px;border-radius:50%;background:var(--purple);color:#fff;display:grid;place-items:center;margin:0 auto 12px}
.prod .circ svg{width:26px;height:26px}
.prod h3{font-size:15px;color:var(--navy)}
.prod a{color:var(--navy);font-weight:700}

/* rates band (navy) */
.rates{background:var(--navy);color:#fff;padding:34px 0}
.rates-head{display:flex;align-items:center;justify-content:space-between;gap:16px;flex-wrap:wrap;margin-bottom:16px}
.rates-head h2{color:#fff;margin:0;font-size:24px}
.rate-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.rate-card{background:#fff;color:var(--text);border-radius:8px;padding:18px;text-align:center}
.rate-card .lbl{font-size:13px;font-weight:700;color:var(--navy)}
.rate-card .as{font-size:10px;color:#8a93a0;letter-spacing:.05em;margin:6px 0}
.rate-card .val{font-size:30px;font-weight:800;color:var(--navy)}
.rate-card .val sup{font-size:.4em}

/* why cards */
.why{background:var(--bg);padding:38px 0}
.why .eyebrow{color:var(--blue);font-size:13px;font-weight:700}
.why h2{font-size:26px}
.whygrid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:16px}
.whycard{background:#fff;border-radius:10px;overflow:hidden;box-shadow:0 2px 10px rgba(0,40,80,.06)}
.whycard-img{aspect-ratio:16/10;background:#dce3e9}
.whycard .body{padding:18px}
.whycard h3{font-size:16px;color:var(--navy)}
.whycard p{font-size:13.5px;color:#555;margin:.3em 0 0}

/* gradient CTA band */
.ctaband{padding:34px 0}
.ctaband-inner{background:linear-gradient(110deg,var(--navy-d),var(--purple));color:#fff;border-radius:14px;padding:34px 40px;display:flex;align-items:center;justify-content:space-between;gap:24px;flex-wrap:wrap}
.ctaband .eyebrow{color:var(--gold);font-size:13px;font-weight:700}
.ctaband h2{color:#fff;font-size:28px;margin:.2em 0 .3em}
.ctaband p{color:#cdd9e6;max-width:52ch;margin:0}

/* content sections */
.section{padding:36px 0;border-top:1px solid var(--line)}
.section h2{font-size:24px}
.lead-def{font-size:17px;color:#3a4250;max-width:74ch}
.section-body{max-width:76ch;color:#454c58}
.callout{background:var(--bg);border-left:4px solid var(--gold);padding:16px 18px;border-radius:4px;margin:18px 0}
ol.geo,ul.plain{max-width:74ch;color:#454c58}
.breadcrumbs{font-size:13px;color:#667;padding-bottom:8px}
.factgrid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin:22px 0}
.fact{background:var(--navy);color:#fff;border-radius:8px;padding:16px;text-align:center}
.fact .v{font-size:23px;font-weight:800}.fact .k{font-size:12px;color:#b9cde0;margin-top:3px}
.faq-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-top:16px}
.faq-grid dt{font-weight:700;color:var(--navy);margin-bottom:4px}
.faq-grid dd{margin:0 0 6px;color:#4b5462;font-size:14.5px}

/* reusable visual blocks — content pages must NOT be plain text columns */
.cardgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin:22px 0}
.card{border:1px solid var(--line);border-top:4px solid var(--navy);border-radius:10px;padding:20px;background:#fff}
.card:nth-child(3n+1){border-top-color:var(--gold)}
.card:nth-child(3n+3){border-top-color:var(--blue)}
.card .ic{width:38px;height:38px;color:var(--blue);margin-bottom:10px}
.card h3{font-size:16px;color:var(--navy);margin:0 0 6px}
.card p{font-size:13.5px;color:#555;margin:0}
.card .more{display:inline-block;margin-top:10px;font-size:13px;color:var(--blue);font-weight:700}
/* CRITICAL: constrain inline SVGs to their icon box (an svg with only a viewBox and
   no width/height renders at a huge default size and overflows). */
.ic svg,.circ svg{width:100%;height:100%;display:block}
.prod .circ svg{width:26px;height:26px}
.infoband{background:var(--bg);border-radius:12px;padding:26px 30px;margin:24px 0}
.infoband.gold{background:var(--gold-l)}.infoband.blue{background:#e4eef8}
.infoband h2,.infoband h3{margin-top:0}
.checklist{list-style:none;padding:0;max-width:74ch;margin:16px 0}
.checklist li{position:relative;padding:7px 0 7px 30px;color:#454c58}
.checklist li:before{content:"";position:absolute;left:0;top:12px;width:15px;height:15px;border-radius:50%;background:var(--gold);box-shadow:inset 0 0 0 4px #fff,0 0 0 1px var(--gold)}
.splitbox{display:grid;grid-template-columns:1.55fr 1fr;gap:26px;align-items:start;margin:24px 0}
.splitbox .box{background:var(--navy);color:#fff;border-radius:10px;padding:24px}
.splitbox .box h3{color:#fff}.splitbox .box p{color:#cdd9e6;font-size:14px}.splitbox .box a{color:var(--gold);font-weight:700}

/* footer */
.foot{background:var(--navy-d);color:#cdd9e6;padding:34px 0 10px;font-size:13.5px}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:24px}
.foot h4{font-size:13px;letter-spacing:.03em;color:#fff;text-transform:uppercase}
.foot ul{list-style:none;margin:0;padding:0}.foot li{margin:5px 0}.foot a{color:#b9cde0}
.foot-brand .contact{font-size:12.5px;color:#93a9c0;margin-top:10px}
.foot-strip{background:var(--navy);color:#cdd9e6;font-size:13px}
.foot-strip .wrap{display:flex;gap:18px;flex-wrap:wrap;padding:12px 20px}
.foot-strip a{color:#cdd9e6}
.disclaimer{font-size:11px;color:#7f95ab;text-align:center;max-width:var(--wrap);margin:0 auto;padding:12px 20px;background:var(--navy-d)}
.ncua{font-weight:700;color:#cdd9e6;border:1px solid #3a5a78;padding:2px 6px;font-size:10px}

@media(max-width:900px){
  .hero-inner,.faq-grid,.splitbox{grid-template-columns:1fr}
  .prodgrid,.rate-grid,.whygrid,.factgrid,.cardgrid,.foot-grid{grid-template-columns:1fr 1fr}
  .hero-title{font-size:34px}.ctaband-inner{flex-direction:column;align-items:flex-start}
}
@media(max-width:560px){
  .prodgrid,.rate-grid,.whygrid,.factgrid,.cardgrid,.foot-grid{grid-template-columns:1fr}
  .nav-menu{gap:12px;font-size:13px}
}