.founder-link { margin-top: 24px; }

.faq-section { background: #d9eaf2; }
.faq-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 12px; background: transparent; }
.faq-grid details { padding: 0 28px; border: 1px solid #a6cad8; box-shadow: 0 12px 28px rgba(7, 42, 65, .07); }
.faq-grid details:nth-child(4n+1), .faq-grid details:nth-child(4n+4) { background: #e7f5f9; }
.faq-grid details:nth-child(4n+2), .faq-grid details:nth-child(4n+3) { background: #c8e5ef; }
.faq-grid summary { position: relative; cursor: pointer; padding: 27px 38px 27px 0; color: var(--navy-900); font: 800 1.08rem/1.5 "Manrope", sans-serif; }
.faq-grid summary::after { content: "+"; position: absolute; right: 0; top: 23px; color: var(--cyan-500); font-size: 1.35rem; font-weight: 500; }
.faq-grid details[open] summary::after { content: "−"; }
.faq-grid p { margin: -4px 0 25px; color: #304d61; font-size: .98rem; font-weight: 500; line-height: 1.65; }

.page-body { background: var(--paper); }
.page-header .nav-wrap { height: 72px; }
.simple-nav { margin-left: auto; display: flex; align-items: center; gap: 25px; color: var(--ink); font-size: .88rem; font-weight: 650; }
.simple-nav a:hover, .simple-nav a:focus-visible { color: var(--blue-700); }
.page-hero { position: relative; overflow: hidden; padding: 86px 0 92px; background: var(--navy-900); color: var(--white); }
.page-hero::before { content: ""; position: absolute; inset: 0; opacity: .09; background-image: linear-gradient(rgba(255,255,255,.18) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,.18) 1px, transparent 1px); background-size: 64px 64px; mask-image: linear-gradient(90deg, #000, transparent 75%); }
.page-hero .container { position: relative; }
.breadcrumbs { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 28px; color: #96adbb; font-size: .76rem; }
.breadcrumbs a { color: var(--cyan-300); }
.page-hero h1 { max-width: 930px; font-size: clamp(2.8rem, 6vw, 5.6rem); }
.page-hero h1 em { display: inline; }
.page-hero .lede { max-width: 780px; margin: 28px 0 0; color: #c7d5de; font-size: 1.08rem; }
.mini-proof { display: flex; flex-wrap: wrap; gap: 30px; margin-top: 35px; padding-top: 25px; border-top: 1px solid rgba(255,255,255,.15); color: #a9bcc8; font-size: .8rem; }
.mini-proof strong { color: var(--white); }

.page-section { padding: 88px 0; }
.page-section.white { background: var(--white); }
.page-section.mist { background: var(--mist); }
.content-layout { display: grid; grid-template-columns: minmax(0,1.5fr) minmax(280px,.5fr); gap: 90px; align-items: start; }
.article-prose { max-width: 780px; }
.article-prose .eyebrow { margin-bottom: 17px; }
.article-prose h2, .page-section > .container > h2, .related-heading h2 { font-size: clamp(2rem, 4vw, 3.65rem); line-height: 1.12; }
.article-prose h3 { margin-top: 35px; font-size: 1.28rem; }
.article-prose p { color: var(--slate); }
.article-prose .lead-paragraph { color: var(--ink); font-size: 1.13rem; line-height: 1.75; }
.service-checks { display: grid; grid-template-columns: repeat(2,1fr); gap: 1px; margin: 32px 0; padding: 0; background: var(--line); border: 1px solid var(--line); list-style: none; }
.service-checks li { position: relative; min-height: 80px; display: flex; align-items: center; padding: 18px 18px 18px 47px; background: var(--white); color: var(--ink); font-size: .88rem; font-weight: 650; }
.service-checks li::before { content: "✓"; position: absolute; left: 19px; color: var(--cyan-500); font-weight: 800; }
.sidebar-cta { position: sticky; top: 110px; padding: 28px; background: var(--navy-900); color: var(--white); box-shadow: var(--shadow); }
.sidebar-cta .eyebrow { margin-bottom: 14px; }
.sidebar-cta h2 { font-size: 1.65rem; line-height: 1.2; }
.sidebar-cta p { color: #b8cad5; font-size: .87rem; }
.sidebar-cta .button { width: 100%; margin-top: 10px; }
.sidebar-cta small { display: block; margin-top: 15px; color: #87a0af; text-align: center; }

.step-grid { display: grid; grid-template-columns: repeat(4,1fr); border-top: 1px solid var(--line); border-left: 1px solid var(--line); }
.step-card { min-height: 250px; padding: 28px; background: var(--white); border-right: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.step-card > span { color: var(--cyan-500); font: 700 .7rem/1 "Manrope",sans-serif; }
.step-card h3 { margin-top: 48px; font-size: 1.15rem; }
.step-card p { color: var(--slate); font-size: .86rem; }
.proof-band { display: grid; grid-template-columns: 1fr 1fr; align-items: center; gap: 65px; padding: 50px; background: var(--navy-950); color: var(--white); }
.proof-band h2 { font-size: clamp(2rem, 4vw, 3.4rem); }
.proof-band p { color: #b6c9d4; }
.proof-band .button-row { margin-top: 24px; }

.related-heading { display: flex; justify-content: space-between; align-items: end; gap: 30px; margin-bottom: 35px; }
.related-heading p { max-width: 560px; color: var(--slate); }
.related-grid { display: grid; grid-template-columns: repeat(3,1fr); border: 1px solid var(--line); background: var(--white); }
.seo-card { min-height: 245px; display: flex; flex-direction: column; padding: 28px; border-right: 1px solid var(--line); }
.seo-card:last-child { border-right: 0; }
.seo-card span { color: var(--cyan-500); font-size: .69rem; font-weight: 800; text-transform: uppercase; letter-spacing: .1em; }
.seo-card h3 { margin-top: 32px; font-size: 1.18rem; }
.seo-card p { color: var(--slate); font-size: .86rem; }
.seo-card a { margin-top: auto; color: var(--blue-700); font-size: .84rem; font-weight: 800; }

.page-footer { padding-top: 48px; }
.page-footer .footer-grid { grid-template-columns: 1.6fr 1fr 1fr; }
.byline { margin-top: 28px; color: #8ea4b2; font-size: .75rem; }
.entity-links { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 25px; }
.entity-links a { padding: 8px 12px; border: 1px solid rgba(255,255,255,.2); color: #c8d7e0; font-size: .77rem; }
.founder-page-photo { display: block; width: calc(100% + 56px); max-width: none; height: 330px; margin: -28px -28px 28px; object-fit: cover; object-position: center 24%; }
.founder-sidebar { overflow: hidden; }

@media (max-width: 820px) {
  .faq-grid, .content-layout, .proof-band { grid-template-columns: 1fr; }
  .simple-nav { position: fixed; inset: 104px 0 0; display: none; overflow-y: auto; background: var(--white); padding: 24px; }
  .simple-nav.open { display: block; }
  .simple-nav a { display: block; padding: 15px 0; border-bottom: 1px solid var(--line); }
  .step-grid { grid-template-columns: repeat(2,1fr); }
  .sidebar-cta { position: static; }
  .page-footer .footer-grid { grid-template-columns: 1fr 1fr; }
  .page-footer .footer-grid > div:first-child { grid-column: 1 / -1; }
}

@media (max-width: 560px) {
  .page-hero { padding: 65px 0 72px; }
  .service-checks, .step-grid, .related-grid { grid-template-columns: 1fr; }
  .related-heading { align-items: start; flex-direction: column; }
  .seo-card { border-right: 0; border-bottom: 1px solid var(--line); }
  .proof-band { padding: 32px 24px; }
  .page-footer .footer-grid { grid-template-columns: 1fr; }
}

/* Consistent branding, navigation and readable service pages. */
.brand small { letter-spacing: .11em; font-size: .62rem; }
.primary-nav a[aria-current="page"] { color: var(--blue-700); font-weight: 800; }
.article-prose a { color: var(--blue-700); text-decoration: underline; text-underline-offset: 3px; }
.page-footer .footer-grid { grid-template-columns: 1.4fr 1fr 1fr 1.2fr; gap: 32px; }
.contact-details strong, .footer-grid a { overflow-wrap: anywhere; }
@media (max-width: 820px) {
 .primary-nav { inset: var(--nav-top, 68px) 0 0; }
 .page-footer .footer-grid { grid-template-columns: 1fr 1fr; }
 .page-header .nav-wrap { height: 68px; }
 .hero-copy h1 { font-size: clamp(2.6rem, 8vw, 4.4rem); }
}
@media (max-width: 560px) { .page-footer .footer-grid { grid-template-columns: 1fr; } }

/* SmartBank feature promotion and product details. */
.smartbank-announcement { background: #d8edf5; border-block: 1px solid #a6cbdc; padding: 24px 0; }
.smartbank-announcement .container { display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.smartbank-announcement p { margin: 0; max-width: 720px; }
.smartbank-announcement strong, .smartbank-announcement span { display: block; }
.smartbank-announcement strong { color: var(--navy-900); font-size: 1.12rem; }
.smartbank-announcement span { color: #304d61; margin-top: 4px; }
.smartbank-announcement .button { flex-shrink: 0; }
.smartbank-landing-hero { display: grid; grid-template-columns: 1.15fr .85fr; align-items: center; gap: 48px; }
.smartbank-landing-hero h1 { font-size: clamp(2.6rem, 4.7vw, 4.6rem); }
.smartbank-product-figure { margin: 0; background: #fff; padding: 20px; color: var(--ink); box-shadow: var(--shadow); }
.smartbank-product-figure figcaption { padding-top: 14px; font-size: .85rem; }
.smartbank-product-logo { width: min(100%, 280px); height: auto; margin-bottom: 24px; }
.smartbank-route-grid { display: grid; grid-template-columns: repeat(2,1fr); gap: 20px; }
.smartbank-route { padding: 32px; background: #deeff6; border: 1px solid #a6cbdc; }
.smartbank-route:nth-child(2) { background: #bddce9; }
.smartbank-route h3 { margin-top: 20px; font-size: 1.7rem; }
.smartbank-requirements { margin-top: 28px; color: #304d61; }
.smartbank-terms { font-size: .84rem; color: #c8d7e0; }
.smartbank-home-image { padding: 30px; min-height: 260px; }
.smartbank-home-image img { width: 100%; height: auto; }
.smartbank-service-note { margin: 30px 0; padding: 24px; background: #cfe7f0; border-left: 4px solid var(--blue-700); }
.smartbank-service-note h3 { margin-top: 0; }
.smartbank-service-note .text-link { margin-top: 0; }
.smartbank-actions { flex-wrap: wrap; }
@media (max-width: 820px) { .smartbank-landing-hero, .smartbank-route-grid { grid-template-columns: 1fr; } .smartbank-announcement .container { flex-direction: column; align-items: start; } }