/* becucu.us.org — BECU independent guide. Blue #0066ff + navy #00396b on light bg.
   Distinct skeleton: hamburger (left) + centered wordmark + Login/Search (right),
   colored gradient hero (no photo). Anti-fingerprint vs our other builds. */

:root{
  --navy:#00396b; --blue:#0066ff; --blue-d:#0050cc;
  --ink:#12233a; --ink2:#3a4c63; --muted:#65758b;
  --bg:#f4f7fc; --card:#ffffff; --line:#dfe7f2;
  --wrap:940px;
  --font:"Segoe UI",-apple-system,BlinkMacSystemFont,Arial,sans-serif;
}
*{box-sizing:border-box}
body{margin:0;font-family:var(--font);color:var(--ink);background:var(--bg);line-height:1.62;font-size:17px}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 22px}
a{color:var(--blue-d)}a:hover{color:var(--blue)}
h1,h2,h3{color:var(--navy);line-height:1.25;margin:0 0 .5em}
h1{font-size:32px}h2{font-size:23px}h3{font-size:18px}
p{margin:0 0 1em}
.skip{position:absolute;left:-999px}.skip:focus{left:8px;top:8px;background:#fff;padding:8px;z-index:20}

/* alert bar */
.alertbar{background:var(--navy);color:#eaf1ff;font-size:13px;text-align:center;padding:8px 0}
.alertbar a{color:#fff;font-weight:700;text-decoration:underline}

/* masthead: hamburger | centered wordmark | actions */
.masthead{background:#fff;border-bottom:1px solid var(--line);position:relative;z-index:10}
.mast-grid{display:grid;grid-template-columns:1fr auto 1fr;align-items:center;padding:14px 22px;gap:10px}
.wordmark{grid-column:2;justify-self:center;font-weight:900;font-size:24px;letter-spacing:.02em;color:var(--navy);display:flex;align-items:baseline;gap:6px}
.wordmark:hover{text-decoration:none}
.wordmark span{font-size:11px;font-weight:800;letter-spacing:.22em;color:var(--blue)}

/* hamburger via <details> */
.menu{grid-column:1;justify-self:start;position:relative}
.menu>summary{list-style:none;cursor:pointer;width:42px;height:42px;border:1px solid var(--line);border-radius:9px;display:grid;place-items:center;background:#fff}
.menu>summary::-webkit-details-marker{display:none}
.menu .bars,.menu .bars:before,.menu .bars:after{display:block;width:20px;height:2px;background:var(--navy);border-radius:2px;position:relative}
.menu .bars:before,.menu .bars:after{content:"";position:absolute;left:0}
.menu .bars:before{top:-6px}.menu .bars:after{top:6px}
.menu-panel{position:absolute;top:52px;left:0;background:#fff;border:1px solid var(--line);border-radius:11px;box-shadow:0 12px 30px rgba(0,57,107,.14);min-width:230px;padding:8px;display:flex;flex-direction:column}
.menu-panel a{padding:11px 14px;border-radius:7px;color:var(--ink);font-weight:600;font-size:15px}
.menu-panel a:hover{background:#eef4ff;text-decoration:none}

/* right actions */
.mast-actions{grid-column:3;justify-self:end;display:flex;align-items:center;gap:12px}
.link-login{background:var(--blue);color:#fff;font-weight:700;padding:9px 18px;border-radius:8px;font-size:14px}
.link-login:hover{background:var(--blue-d);color:#fff;text-decoration:none}
.link-search{width:40px;height:40px;border:1px solid var(--line);border-radius:8px;display:grid;place-items:center;color:var(--navy)}
.link-search svg{width:19px;height:19px;display:block}
.link-search:hover{background:#eef4ff}

/* hero — colored gradient, centered */
.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--blue) 100%);color:#fff;text-align:center;padding:52px 0 46px}
.hero h1{color:#fff;font-size:38px;margin-bottom:.35em}
.hero p{color:#e4eeff;font-size:19px;max-width:640px;margin:0 auto 1.4em}
.hero .cta-row{justify-content:center}
.cta-row{display:flex;gap:12px;flex-wrap:wrap}
.btn{display:inline-block;background:#fff;color:var(--navy);font-weight:800;padding:12px 24px;border-radius:9px;font-size:15px}
.btn:hover{background:#eef4ff;color:var(--navy);text-decoration:none}
.btn-ghost{display:inline-block;background:transparent;color:#fff;border:2px solid rgba(255,255,255,.7);font-weight:700;padding:11px 22px;border-radius:9px;font-size:15px}
.btn-ghost:hover{background:rgba(255,255,255,.14);text-decoration:none}
/* inner-page lede (no dark hero) */
.lede{padding:30px 0 4px}
.lede h1{font-size:32px}
.lede p{font-size:18px;color:var(--ink2);margin:.4em 0 1.1em}
.lede .cta-row{margin-bottom:4px}
.btn-solid{display:inline-block;background:var(--blue);color:#fff;font-weight:800;padding:12px 24px;border-radius:9px;font-size:15px}
.btn-solid:hover{background:var(--blue-d);color:#fff;text-decoration:none}
.btn-line{display:inline-block;background:#fff;color:var(--blue-d);border:1.5px solid var(--blue);font-weight:700;padding:11px 22px;border-radius:9px;font-size:15px}
.btn-line:hover{background:#eef4ff;text-decoration:none}

/* main + sections */
main{padding-bottom:36px}
.section{padding:26px 0;border-top:1px solid var(--line)}
.section:first-of-type{border-top:none}
.lead-def{font-size:18px;color:var(--ink2)}
.breadcrumbs{font-size:13px;color:var(--muted);padding:16px 0 2px}.breadcrumbs a{color:var(--muted)}

/* tile row — "How can we help" (signature block) */
.tilerow{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:20px 0}
.tile{display:block;background:var(--card);border:1px solid var(--line);border-radius:13px;padding:22px 20px;text-align:center;transition:box-shadow .15s,transform .15s}
.tile:hover{box-shadow:0 10px 26px rgba(0,57,107,.12);transform:translateY(-2px);text-decoration:none}
.tile .ic{display:inline-flex;align-items:center;justify-content:center;box-sizing:border-box;width:44px;height:44px;margin:0 auto 12px;color:var(--blue);background:#eaf1ff;border-radius:11px;padding:9px}
.tile b{display:block;color:var(--navy);font-size:17px;margin-bottom:3px}
.tile span{display:block;color:var(--muted);font-size:13.5px}
.ic svg{width:100%;height:100%;display:block}

/* card grid + card */
.cardgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:18px 0}
.card{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:18px}
.card .ic{display:inline-flex;align-items:center;justify-content:center;flex:0 0 auto;width:34px;height:34px;color:var(--blue);margin-bottom:9px}
.card b{display:block;color:var(--navy);font-size:16px;margin-bottom:4px}
.card p{margin:0;color:var(--ink2);font-size:14.5px}

/* numbered steps */
.steps{counter-reset:s;list-style:none;padding:0;margin:16px 0}
.steps li{position:relative;padding:7px 0 7px 44px;color:var(--ink2)}
.steps li:before{counter-increment:s;content:counter(s);position:absolute;left:0;top:6px;width:28px;height:28px;border-radius:50%;background:var(--blue);color:#fff;font-weight:800;font-size:14px;display:grid;place-items:center}

/* checklist */
.checklist{list-style:none;padding:0;margin:16px 0}
.checklist li{position:relative;padding:6px 0 6px 30px;color:var(--ink2)}
.checklist li:before{content:"";position:absolute;left:2px;top:11px;width:11px;height:6px;border-left:2.5px solid var(--blue);border-bottom:2.5px solid var(--blue);transform:rotate(-45deg)}

/* callout / anti-phishing */
.callout{background:#eef4ff;border:1px solid #cfe0ff;border-left:4px solid var(--blue);border-radius:11px;padding:16px 18px;margin:18px 0;color:var(--ink2);font-size:15px}
.callout strong{color:var(--navy)}

/* factgrid */
.factgrid{display:flex;flex-wrap:wrap;gap:10px;margin:18px 0}
.factgrid span{background:#fff;border:1px solid var(--line);border-radius:22px;padding:7px 16px;font-size:13.5px;color:var(--ink2)}
.factgrid b{color:var(--navy)}

/* FAQ accordion */
.faq-acc details{border:1px solid var(--line);border-radius:10px;background:#fff;margin-bottom:10px}
.faq-acc summary{cursor:pointer;padding:14px 16px;font-weight:700;color:var(--navy);list-style:none}
.faq-acc summary::-webkit-details-marker{display:none}
.faq-acc summary::after{content:"+";float:right;color:var(--blue);font-weight:800}
.faq-acc details[open] summary::after{content:"\2013"}
.faq-acc details p{margin:0;padding:0 16px 14px;color:var(--ink2);font-size:15px}

/* footer */
.sitefoot{background:var(--navy);color:#c4d5ec;font-size:13px;padding:26px 0}
.sitefoot a{color:#fff}
.foot-links{display:flex;gap:18px;flex-wrap:wrap;margin-bottom:12px}
.foot-links a{font-weight:600}
.foot-meta{display:flex;gap:18px;flex-wrap:wrap;margin-bottom:12px;color:#aec3de}
.foot-meta b{color:#fff}
.disclaimer{font-size:11.5px;color:#93aacb;line-height:1.55;margin:0}

@media(max-width:720px){
  .tilerow,.cardgrid{grid-template-columns:1fr}
  .hero h1{font-size:30px}.hero p{font-size:17px}
  .wordmark{font-size:21px}
  .mast-actions .link-login{padding:8px 14px}
}