/* Marlow public site — public marketing layout */
:root {
  --urnova-navy: #002b5b;
  --urnova-navy-deep: #001a38;
  --urnova-cyan: #00aeef;
  --urnova-gold: #c9a227;
  --urnova-ink: #122033;
  --urnova-muted: #5a6d82;
  --urnova-surface: #ffffff;
  --urnova-bg: #f5f7fa;
  --urnova-line: rgba(0, 43, 91, 0.1);
  --urnova-font-heading: "Sora", sans-serif;
  --urnova-font-body: "Manrope", sans-serif;
  --container: min(1180px, calc(100% - 2rem));
}

*,
*::before,
*::after { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: var(--urnova-font-body);
  color: var(--urnova-ink);
  background: #fff;
  line-height: 1.55;
}

img { max-width: 100%; display: block; }
a { color: inherit; }
.container { width: var(--container); margin-inline: auto; }

/* Trust ribbon */
.trust-ribbon {
  background: var(--urnova-navy-deep);
  color: rgba(255, 255, 255, 0.9);
  font-size: 0.78rem;
  letter-spacing: 0.02em;
  text-align: center;
  padding: 0.45rem 1rem;
}

/* Utility bar */
.utility-bar {
  background: #eef2f6;
  border-bottom: 1px solid var(--urnova-line);
  font-size: 0.8rem;
}

.utility-inner {
  display: flex;
  justify-content: flex-end;
  align-items: center;
  gap: 1.1rem;
  padding: 0.45rem 0;
  flex-wrap: wrap;
}

.utility-inner a,
.utility-inner label {
  color: var(--urnova-navy);
  text-decoration: none;
  font-weight: 600;
}

.utility-inner select {
  border: none;
  background: transparent;
  font: inherit;
  font-weight: 600;
  color: var(--urnova-navy);
  cursor: pointer;
}

/* Main header */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(255, 255, 255, 0.96);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--urnova-line);
}

.nav-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  padding: 1rem 0;
}

.brand {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  text-decoration: none;
  color: var(--urnova-navy);
  font-family: var(--urnova-font-heading);
  font-weight: 700;
  letter-spacing: 0.06em;
  font-size: 1.35rem;
}

.brand img {
  width: auto;
  height: 72px;
  max-width: min(300px, 42vw);
  object-fit: contain;
  display: block;
}

.nav-primary {
  display: flex;
  align-items: center;
  gap: 0.15rem;
  list-style: none;
  margin: 0;
  padding: 0;
}

.nav-primary > li { position: relative; }

.nav-primary > li > a,
.nav-primary > li > button {
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  padding: 0.65rem 0.9rem;
  border: none;
  background: transparent;
  font: inherit;
  font-weight: 700;
  font-size: 0.92rem;
  color: var(--urnova-navy);
  cursor: pointer;
  text-decoration: none;
  border-radius: 6px;
}

.nav-primary > li > a:hover,
.nav-primary > li > button:hover,
.nav-primary > li:focus-within > a,
.nav-primary > li:focus-within > button {
  background: rgba(0, 43, 91, 0.06);
}

.mega {
  display: none;
  position: absolute;
  left: 0;
  top: 100%;
  min-width: 520px;
  background: #fff;
  border: 1px solid var(--urnova-line);
  box-shadow: 0 18px 40px rgba(15, 40, 70, 0.12);
  padding: 1.25rem 1.35rem;
  grid-template-columns: 1fr 1fr;
  gap: 1.25rem;
  z-index: 60;
}

@media (min-width: 961px) {
  .nav-primary > li:hover > .mega,
  .nav-primary > li:focus-within > .mega {
    display: grid;
  }
}

.mega.mega-simple {
  min-width: 220px;
  grid-template-columns: 1fr;
}

.mega h4 {
  margin: 0 0 0.55rem;
  font-family: var(--urnova-font-heading);
  font-size: 0.95rem;
  color: var(--urnova-navy);
}

.mega ul { list-style: none; margin: 0; padding: 0; }
.mega a {
  display: block;
  padding: 0.35rem 0;
  text-decoration: none;
  color: var(--urnova-muted);
  font-weight: 600;
  font-size: 0.88rem;
}
.mega a:hover { color: var(--urnova-cyan); }

.nav-cta {
  display: flex;
  gap: 0.55rem;
  align-items: center;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.35rem;
  padding: 0.7rem 1.2rem;
  font-weight: 700;
  font-family: inherit;
  font-size: 0.9rem;
  text-decoration: none;
  border: 1px solid transparent;
  cursor: pointer;
  border-radius: 4px;
  transition: transform 0.2s ease, background 0.2s ease;
}

.btn:hover { transform: translateY(-1px); }

.btn-primary {
  background: var(--urnova-navy);
  color: #fff;
}

.btn-primary:hover { background: #014070; }

.btn-accent {
  background: var(--urnova-cyan);
  color: #001a38;
}

.btn-outline {
  background: transparent;
  color: var(--urnova-navy);
  border-color: rgba(0, 43, 91, 0.25);
}

.btn-ghost-light {
  background: transparent;
  color: #fff;
  border-color: rgba(255, 255, 255, 0.45);
}

.menu-toggle {
  display: none;
  border: 1px solid var(--urnova-line);
  background: #fff;
  padding: 0.45rem 0.7rem;
  font-weight: 700;
  color: var(--urnova-navy);
  border-radius: 4px;
  cursor: pointer;
}

/* Hero — full bleed, brand first */
.hero {
  position: relative;
  min-height: min(52vh, 480px);
  display: grid;
  align-items: end;
  color: #fff;
  overflow: hidden;
}

.hero-media {
  position: absolute;
  inset: 0;
}

.hero-media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  animation: heroKen 18s ease-in-out infinite alternate;
}

@keyframes heroKen {
  from { transform: scale(1); }
  to { transform: scale(1.06); }
}

.hero-media::after {
  content: "";
  position: absolute;
  inset: 0;
  background:
    linear-gradient(105deg, rgba(0, 26, 56, 0.88) 0%, rgba(0, 43, 91, 0.55) 42%, rgba(0, 43, 91, 0.2) 70%, transparent 100%),
    linear-gradient(180deg, transparent 40%, rgba(0, 20, 40, 0.75) 100%);
}

.hero-copy {
  position: relative;
  z-index: 1;
  padding: clamp(2.25rem, 6vh, 3.5rem) 0 clamp(1.75rem, 4vh, 2.75rem);
  max-width: 34rem;
  animation: rise 0.9s ease both;
}

@keyframes rise {
  from { opacity: 0; transform: translateY(18px); }
  to { opacity: 1; transform: translateY(0); }
}

.hero-copy .brand-mark {
  margin: 0 0 0.65rem;
  font-family: var(--urnova-font-heading);
  font-size: clamp(2rem, 5vw, 3.2rem);
  font-weight: 700;
  letter-spacing: 0.1em;
  line-height: 1;
}

.hero-copy h1 {
  margin: 0 0 0.85rem;
  font-family: var(--urnova-font-heading);
  font-size: clamp(1.35rem, 2.8vw, 1.85rem);
  font-weight: 600;
  line-height: 1.3;
}

.hero-copy p {
  margin: 0 0 1.5rem;
  color: rgba(255, 255, 255, 0.9);
  font-size: 1.02rem;
  max-width: 30rem;
}

.hero-cta { display: flex; flex-wrap: wrap; gap: 0.7rem; }

/* Sign-in strip under the hero */
.login-strip {
  background: var(--urnova-navy);
  color: #fff;
  padding: 1.1rem 0;
}

.login-strip-inner {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
}

.login-strip h2 {
  margin: 0;
  font-family: var(--urnova-font-heading);
  font-size: 1.05rem;
  font-weight: 600;
}

.login-strip p {
  margin: 0.2rem 0 0;
  opacity: 0.8;
  font-size: 0.88rem;
}

.login-actions { display: flex; flex-wrap: wrap; gap: 0.55rem; }

/* Dual accounts columns */
.dual-banking {
  display: grid;
  grid-template-columns: 1fr 1fr;
  min-height: 420px;
}

.dual-panel {
  position: relative;
  overflow: hidden;
  color: #fff;
  min-height: 420px;
  display: flex;
  align-items: flex-end;
}

.dual-panel img {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.dual-panel::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, rgba(0, 26, 56, 0.15), rgba(0, 26, 56, 0.88));
}

.dual-panel .copy {
  position: relative;
  z-index: 1;
  padding: 2.5rem 2rem;
  max-width: 28rem;
}

.dual-panel .eyebrow {
  text-transform: uppercase;
  letter-spacing: 0.12em;
  font-size: 0.72rem;
  font-weight: 700;
  color: var(--urnova-cyan);
  margin: 0 0 0.5rem;
}

.dual-panel h2 {
  margin: 0 0 0.65rem;
  font-family: var(--urnova-font-heading);
  font-size: clamp(1.5rem, 2.5vw, 1.9rem);
}

.dual-panel p {
  margin: 0 0 1.1rem;
  opacity: 0.9;
}

.dual-links {
  list-style: none;
  margin: 0 0 1.25rem;
  padding: 0;
  display: grid;
  gap: 0.35rem;
}

.dual-links a {
  color: rgba(255, 255, 255, 0.92);
  text-decoration: none;
  font-weight: 600;
  font-size: 0.92rem;
  border-bottom: 1px solid transparent;
  width: fit-content;
}

.dual-links a:hover {
  color: #fff;
  border-bottom-color: var(--urnova-cyan);
}

/* Content sections */
.section {
  padding: clamp(3.2rem, 7vw, 5rem) 0;
}

.section-head {
  max-width: 40rem;
  margin-bottom: 2rem;
}

.section-head h2 {
  margin: 0 0 0.5rem;
  font-family: var(--urnova-font-heading);
  color: var(--urnova-navy);
  font-size: clamp(1.55rem, 3vw, 2.1rem);
}

.section-head p {
  margin: 0;
  color: var(--urnova-muted);
}

.section-alt { background: var(--urnova-bg); }

/* Pillar grids — list style, not card-heavy */
.pillar-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 1.75rem 1.5rem;
}

.pillar h3 {
  margin: 0 0 0.45rem;
  font-family: var(--urnova-font-heading);
  font-size: 1.05rem;
  color: var(--urnova-navy);
}

.pillar p {
  margin: 0;
  color: var(--urnova-muted);
  font-size: 0.95rem;
}

.pillar .icon-line {
  width: 36px;
  height: 3px;
  background: var(--urnova-cyan);
  margin-bottom: 0.85rem;
}

/* Community / insights */
.insight-grid {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 1.5rem;
  align-items: stretch;
}

.insight-feature {
  position: relative;
  min-height: 360px;
  overflow: hidden;
  color: #fff;
}

.insight-feature img {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.insight-feature::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, transparent 30%, rgba(0, 26, 56, 0.9));
}

.insight-feature .copy {
  position: relative;
  z-index: 1;
  padding: 2rem;
  height: 100%;
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
}

.insight-feature h3 {
  margin: 0 0 0.5rem;
  font-family: var(--urnova-font-heading);
  font-size: 1.45rem;
}

.insight-list {
  display: flex;
  flex-direction: column;
  gap: 0;
  border-top: 1px solid var(--urnova-line);
}

.insight-item {
  padding: 1.15rem 0;
  border-bottom: 1px solid var(--urnova-line);
}

.insight-item a {
  text-decoration: none;
  color: var(--urnova-navy);
  font-family: var(--urnova-font-heading);
  font-weight: 700;
  font-size: 1.05rem;
}

.insight-item p {
  margin: 0.35rem 0 0;
  color: var(--urnova-muted);
  font-size: 0.9rem;
}

/* Subscribe */
.subscribe-band {
  background: linear-gradient(120deg, var(--urnova-navy-deep), var(--urnova-navy) 55%, #014f86);
  color: #fff;
  padding: clamp(2.5rem, 5vw, 3.5rem) 0;
}

.subscribe-band h2 {
  margin: 0 0 0.4rem;
  font-family: var(--urnova-font-heading);
}

.subscribe-band p {
  margin: 0 0 1.2rem;
  opacity: 0.88;
}

.subscribe-form {
  display: flex;
  flex-wrap: wrap;
  gap: 0.55rem;
}

.subscribe-form input[type="email"] {
  flex: 1 1 220px;
  border: none;
  padding: 0.85rem 1rem;
  font: inherit;
  border-radius: 4px;
}

/* Footer */
.site-footer {
  background: #0a1628;
  color: rgba(255, 255, 255, 0.78);
  padding: 3rem 0 1.5rem;
  font-size: 0.9rem;
}

.footer-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 1.75rem;
  margin-bottom: 2rem;
}

.footer-grid h4 {
  margin: 0 0 0.75rem;
  color: #fff;
  font-family: var(--urnova-font-heading);
  font-size: 0.95rem;
}

.footer-grid ul {
  list-style: none;
  margin: 0;
  padding: 0;
}

.footer-grid a {
  display: block;
  padding: 0.28rem 0;
  text-decoration: none;
  color: rgba(255, 255, 255, 0.72);
}

.footer-grid a:hover { color: var(--urnova-cyan); }

.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding-top: 1.25rem;
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem 1.25rem;
  justify-content: space-between;
  font-size: 0.82rem;
}

.alert {
  margin: 0;
  border-radius: 0;
  padding: 0.7rem 1rem;
  text-align: center;
  font-size: 0.9rem;
}
.alert-error { background: #fef3f2; color: #912018; }
.alert-success { background: #ecfdf3; color: #085d3a; }
.alert-info { background: #eff8ff; color: #175cd3; }

.reveal {
  opacity: 0;
  transform: translateY(16px);
  transition: opacity 0.7s ease, transform 0.7s ease;
}
.reveal.in {
  opacity: 1;
  transform: none;
}

@media (max-width: 960px) {
  .brand img {
    width: auto;
    height: 56px;
    max-width: min(220px, 52vw);
  }
  .menu-toggle { display: inline-flex; }
  .nav-primary {
    display: none;
    position: absolute;
    left: 0;
    right: 0;
    top: 100%;
    background: #fff;
    flex-direction: column;
    align-items: stretch;
    padding: 0.5rem 1rem 1rem;
    border-bottom: 1px solid var(--urnova-line);
    box-shadow: 0 12px 24px rgba(0, 0, 0, 0.08);
  }
  .nav-primary.open { display: flex; }
  .mega {
    position: static;
    min-width: 0;
    box-shadow: none;
    border: none;
    padding: 0.35rem 0.75rem 0.85rem;
    display: none;
    grid-template-columns: 1fr;
  }
  .nav-primary > li.open > .mega { display: grid; }
  .dual-banking { grid-template-columns: 1fr; }
  .pillar-grid { grid-template-columns: 1fr 1fr; }
  .insight-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 560px) {
  .pillar-grid,
  .footer-grid { grid-template-columns: 1fr; }
  .nav-cta .btn-outline { display: none; }
}