/* Public marketing site — ICICI-like: white canvas, compact chrome, almost no photography. */
html:has(body.public-body) {
  height: auto;
  overflow: auto;
  background: #fff;
  background-image: none;
}
body.public-body {
  margin: 0;
  min-height: 100vh;
  display: flex;
  flex-direction: column;
  background: #fff;
  color: #1b2a4a;
  font-family: var(--font-body);
  overflow-x: hidden;
  overflow-wrap: normal;
  word-break: normal;
  word-wrap: normal;
  hyphens: none;
  -webkit-hyphens: none;
  text-wrap: wrap;
}
body.public-body a { color: inherit; }
body.public-body .btn {
  border-radius: 6px;
  font-weight: 700;
  letter-spacing: 0.01em;
  box-shadow: none;
}
body.public-body .btn-primary,
body.public-body .btn-teal {
  background: #f37e20;
  background-image: none;
  color: #fff;
  border: 1px solid #f37e20;
}
body.public-body .btn-primary:hover,
body.public-body .btn-teal:hover {
  background: #e06e12;
  border-color: #e06e12;
  filter: none;
  transform: none;
}
body.public-body .btn-primary::after,
body.public-body .btn-teal::after { display: none; }
body.public-body .btn-secondary {
  background: #fff !important;
  color: #16324a !important;
  border: 1px solid #cfd8e0 !important;
  box-shadow: none !important;
}
body.public-body .btn-secondary:hover {
  background: #f6f8fa !important;
  border-color: #b7c2cc !important;
  color: #16324a !important;
}

.public-wrap {
  width: 100%;
  max-width: none;
  padding-inline: clamp(1.25rem, 4vw, 3.5rem);
  box-sizing: border-box;
  margin-inline: auto;
}
.public-wrap .public-wrap {
  max-width: none;
  padding-inline: 0;
  width: 100%;
}

@keyframes public-up {
  from { opacity: 0; transform: translateY(10px); }
  to { opacity: 1; transform: none; }
}
@keyframes public-ticker {
  from { transform: translateX(0); }
  to { transform: translateX(-50%); }
}

.public-reveal {
  animation: public-up 0.45s var(--ease-out) both;
}

/* Utility + ticker */
.public-utility {
  background: #f6f8fa;
  color: #4a5a72;
  font-size: 0.75rem;
  border-bottom: 1px solid #e8edf1;
}
.public-utility-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 0.8rem;
  min-height: 2.15rem;
  flex-wrap: wrap;
}
.public-utility-contact,
.public-utility-links {
  display: flex;
  align-items: center;
  gap: 0.9rem;
  margin: 0;
  flex-wrap: wrap;
}
.public-utility a { color: #0a7c76; text-decoration: none; }
.public-utility a:hover { text-decoration: underline; }
.public-utility .lang-switch select {
  height: 1.55rem;
  background: #fff;
  color: #1b2a4a;
  border: 1px solid #d5dee6;
  border-radius: 4px;
  padding: 0 1.2rem 0 0.45rem;
  font-size: 0.72rem;
  box-shadow: none;
}

.public-ticker {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  background: #fff8f0;
  border-bottom: 1px solid #f3e2cc;
  min-height: 2.1rem;
  overflow: hidden;
}
.public-ticker-label {
  flex-shrink: 0;
  margin: 0;
  padding: 0.35rem 0.7rem;
  background: #f37e20;
  color: #fff;
  font-size: 0.68rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}
.public-ticker-mask {
  flex: 1;
  overflow: hidden;
  mask-image: linear-gradient(90deg, transparent, #000 1.1rem, #000 calc(100% - 2rem), transparent);
}
.public-ticker-track {
  display: flex;
  gap: 2.4rem;
  width: max-content;
  animation: public-ticker 32s linear infinite;
}
.public-ticker:hover .public-ticker-track { animation-play-state: paused; }
.public-ticker a {
  color: #1b2a4a;
  font-size: 0.8rem;
  font-weight: 650;
  text-decoration: none;
  white-space: nowrap;
}
.public-ticker a:hover { color: #0a7c76; }

/* Header */
.public-header-bar {
  position: sticky;
  top: 0;
  z-index: 40;
  background: #fff;
  border-bottom: 1px solid #e8edf1;
  box-shadow: 0 1px 0 #f37e20;
}
.public-header-bar.is-stuck { box-shadow: 0 1px 0 #f37e20, 0 8px 20px rgba(27, 42, 74, 0.08); }
.public-header-top {
  display: flex;
  align-items: center;
  gap: 1rem;
  min-height: 4.15rem;
}
.public-header {
  display: flex;
  align-items: center;
  gap: 1rem;
  min-height: 4rem;
}
.public-brand {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  text-decoration: none;
  color: #1b2a4a;
  flex-shrink: 0;
}
.public-brand-mark { height: 52px; width: auto; max-width: 7.5rem; object-fit: contain; }
.public-brand small {
  display: block;
  color: #6b7a90;
  font-size: 0.62rem;
  font-weight: 700;
  letter-spacing: 0.02em;
  text-transform: none;
  max-width: 16rem;
  line-height: 1.25;
  white-space: normal;
  text-transform: uppercase;
}
.public-brand strong { display: block; font-size: 0.98rem; }
.public-nav {
  flex: none;
  min-width: 0;
  width: 100%;
  border-top: 1px solid #e8edf1;
  background: #f6faf9;
}
.public-nav > ul {
  display: flex;
  align-items: stretch;
  justify-content: flex-start;
  flex-wrap: wrap;
  gap: 0;
  list-style: none;
  margin: 0;
  padding: 0;
}
.public-nav li { list-style: none; position: relative; }
.public-nav > ul > li > a {
  display: flex;
  align-items: center;
  height: 2.55rem;
  margin: 0;
  padding: 0 0.72rem;
  font-size: 0.78rem;
  font-weight: 750;
  color: #1b2a4a;
  text-decoration: none;
  border: 0;
  border-radius: 0;
  white-space: nowrap;
  transition: color 160ms ease, background 160ms ease, box-shadow 160ms ease;
}
.public-nav li.has-children > a::after {
  content: "";
  width: 0.38rem;
  height: 0.38rem;
  margin-left: 0.42rem;
  margin-top: -0.18rem;
  border-right: 1.6px solid currentColor;
  border-bottom: 1.6px solid currentColor;
  transform: rotate(45deg);
  opacity: 0.7;
}
.public-nav > ul > li > a:hover {
  color: #0a7c76;
  background: #fff;
}
.public-nav > ul > li.selected > a,
.public-nav > ul > li.ancestor > a {
  color: #0a7c76;
  background: #fff;
  box-shadow: inset 0 -3px 0 #f37e20;
}
.public-nav li.has-children > ul {
  display: none;
  position: absolute;
  top: 100%;
  left: 0;
  min-width: 18.5rem;
  padding: 0.5rem;
  margin: 0;
  list-style: none;
  background: #fff;
  border: 1px solid #dce7ea;
  border-radius: 12px;
  box-shadow: 0 18px 40px rgba(22, 50, 74, 0.16);
  z-index: 30;
  animation: public-up 0.18s ease;
}
.public-nav li.has-children:hover > ul,
.public-nav li.has-children:focus-within > ul,
.public-nav li.has-children.is-open > ul { display: block; }
.public-nav li.has-children > ul a {
  display: block;
  padding: 0.72rem 0.85rem;
  font-size: 0.86rem;
  font-weight: 650;
  text-decoration: none;
  color: #1b2a4a;
  border-radius: 8px;
  border: 1px solid transparent;
  transition: background 140ms ease, color 140ms ease, border-color 140ms ease;
}
.public-nav li.has-children > ul a:hover,
.public-nav li.has-children > ul li.selected > a {
  background: #e7f5f3;
  color: #0a7c76;
  border-color: #cfe8e4;
}
.public-header-actions {
  display: flex;
  align-items: center;
  gap: 0.45rem;
  margin-left: auto;
  flex-shrink: 0;
}
.public-header-actions .btn { padding: 0.5rem 0.95rem; }
.public-login-menu { position: relative; }
.public-login-menu > .btn {
  cursor: pointer;
  font: inherit;
}
.public-login-caret {
  display: inline-block;
  width: 0.38rem;
  height: 0.38rem;
  margin-left: 0.2rem;
  border-right: 2px solid currentColor;
  border-bottom: 2px solid currentColor;
  transform: translateY(-0.12rem) rotate(45deg);
}
.public-login-menu.is-open .public-login-caret {
  transform: translateY(0.08rem) rotate(225deg);
}
.public-login-menu > ul {
  display: none;
  position: absolute;
  right: 0;
  top: 100%;
  min-width: 13.5rem;
  margin: 0;
  padding: 0.35rem 0;
  list-style: none;
  background: #fff;
  border: 1px solid #e4eaee;
  border-radius: 10px;
  box-shadow: 0 14px 32px rgba(27, 42, 74, 0.12);
  z-index: 60;
}
.public-login-menu.is-open > ul { display: block; }
.public-login-menu > ul a {
  display: block;
  padding: 0.65rem 1rem;
  color: #1b2a4a;
  text-decoration: none;
  font-weight: 750;
  line-height: 1.25;
  white-space: nowrap;
}
.public-login-menu > ul a:hover,
.public-login-menu > ul a:focus {
  background: #f4f8f8;
  color: #0a7c76;
}
.auth-audience-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 0.45rem;
  margin: 0.85rem 0 1.1rem;
}
.auth-audience-card {
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 2.85rem;
  padding: 0.45rem 0.5rem;
  border: 1px solid #dce5ea;
  border-radius: 10px;
  background: #f7fbfb;
  color: #1b2a4a;
  text-decoration: none;
  text-align: center;
  font-size: 0.84rem;
  font-weight: 800;
  line-height: 1.25;
}
.auth-audience-card:hover,
.auth-audience-card.is-active {
  border-color: #0a7c76;
  background: #fff;
  color: #0a7c76;
  box-shadow: 0 6px 14px rgba(10, 124, 118, 0.08);
}
.public-nav-toggle {
  display: none;
  width: 2.6rem;
  height: 2.6rem;
  border: 1.5px solid #c5d0da;
  border-radius: 8px;
  background: #fff;
  padding: 0.55rem;
  flex-direction: column;
  justify-content: center;
  gap: 0.28rem;
  cursor: pointer;
}
.public-nav-toggle span:not(.sr-only) {
  display: block;
  height: 2.5px;
  background: #16324a;
  border-radius: 99px;
}

.public-hero,
.public-page-banner,
.public-cta {
  position: relative;
  overflow: visible;
  isolation: isolate;
}
.public-hero-photo {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  z-index: 0;
}
.public-cta-overlay {
  position: absolute;
  inset: 0;
  z-index: 1;
  pointer-events: none;
}
.public-hero-media,
.public-banner-media {
  position: absolute;
  inset: 0;
  z-index: 0;
  background-size: cover;
  background-position: center 42%;
  transform: scale(1.04);
  animation: public-ken 28s ease-out forwards;
}
.public-hero-media { background-image: url("../cms/headers/hero-harbour.jpg"); }
.public-banner-media { background-image: url("../cms/headers/banner-harbour.jpg"); }
@keyframes public-ken {
  from { transform: scale(1.02); }
  to { transform: scale(1.08); }
}
.public-hero-copy,
.public-page-banner-copy,
.public-cta-copy { position: relative; z-index: 2; }

.public-hero {
  background:
    radial-gradient(ellipse at 92% 0%, rgba(10, 124, 118, 0.08), transparent 42%),
    linear-gradient(180deg, #f4f8f7 0%, #ffffff 100%);
  color: #16324a;
  border-bottom: 1px solid #e6eeec;
}
.public-hero-inner,
.public-hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 2.15fr) minmax(14rem, 0.48fr);
  gap: 2rem;
  align-items: center;
  padding-block: 2.6rem 2.4rem;
  min-height: 0;
}
.public-hero-pane {
  background: transparent;
  display: flex;
  align-items: center;
  position: relative;
  overflow: visible;
  min-width: 0;
}
.public-hero-pane::before,
.public-hero-pane::after { display: none; }
.public-hero-pane-inner {
  width: 100%;
  padding-block: 0;
  animation: public-up 0.5s var(--ease-out);
  position: relative;
  z-index: 2;
}
.public-hero-copy { max-width: none; min-width: 0; width: 100%; }
.public-hero-visual {
  position: relative;
  min-height: 22rem;
  border-radius: 20px;
  overflow: hidden;
  box-shadow: 0 18px 40px rgba(18, 48, 71, 0.12);
}
.public-hero-visual::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, transparent 58%, rgba(18, 48, 71, 0.18) 100%);
  pointer-events: none;
  z-index: 1;
}
.public-hero .public-hero-copy > .public-kicker {
  color: #0a7c76;
  letter-spacing: 0.08em;
  white-space: nowrap;
  text-wrap: nowrap;
}
.public-hero .public-hero-copy > .public-lead {
  color: #5b6b82;
  max-width: none;
  font-size: 1.02rem;
  line-height: 1.5;
  white-space: pre-line;
  text-wrap: pretty;
}
.public-hero .public-hero-copy h1 {
  color: #123047;
  white-space: nowrap;
  text-wrap: nowrap;
  overflow-wrap: normal;
  word-break: keep-all;
  hyphens: none;
}
.public-hero-actions .btn {
  min-height: 2.75rem;
  padding: 0.7rem 1.35rem;
  font-size: 0.92rem;
}
body.public-body .public-hero .btn-secondary,
body.public-body .public-hero a.public-btn-on-dark {
  background: #fff !important;
  color: #16324a !important;
  border: 1.5px solid #cfd8e0 !important;
  box-shadow: none !important;
}
body.public-body .public-hero .btn-secondary:hover,
body.public-body .public-hero a.public-btn-on-dark:hover {
  background: #fff4e8 !important;
  border-color: #f37e20 !important;
  color: #c65a0c !important;
}
.public-hero-rates-label {
  margin: 1.85rem 0 0.7rem;
  font-size: 0.68rem;
  font-weight: 800;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: #0a7c76;
}
.public-hero-rates {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 0.75rem;
  margin-top: 0;
}
.public-hero-rate {
  display: block;
  padding: 0.95rem 1rem 1rem;
  background: #fff;
  border: 1px solid #e4eaee;
  border-radius: 12px;
  border-top: 3px solid #f37e20;
  text-decoration: none;
  color: #16324a;
  box-shadow: 0 10px 24px rgba(18, 48, 71, 0.08);
  transition: transform 180ms var(--ease-out), box-shadow 180ms ease;
}
.public-hero-rate:hover {
  transform: translateY(-4px);
  box-shadow: 0 18px 32px rgba(0, 0, 0, 0.22);
}
.public-hero-rate em {
  display: block;
  font-style: normal;
  font-size: 0.64rem;
  font-weight: 800;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  color: #0a7c76;
  margin-bottom: 0.4rem;
  white-space: nowrap;
}
.public-hero-rate strong {
  display: flex;
  align-items: baseline;
  gap: 0.2rem;
  font-size: 1.7rem;
  font-weight: 800;
  letter-spacing: -0.045em;
  color: #f37e20;
  font-variant-numeric: tabular-nums;
}
.public-hero-rate small {
  font-size: 0.72rem;
  font-weight: 750;
  color: #c65a0c;
}
.public-hero-rates-note { margin: 0.85rem 0 0; }
.public-hero-rates-note .public-text-link { color: #0a7c76; }
.public-hero h1,
.public-page-banner h1,
.public-cta h2 {
  font-family: var(--font-body);
  font-weight: 800;
  letter-spacing: -0.03em;
  line-height: 1.12;
  margin: 0.35rem 0 0.7rem;
}
.public-hero h1 { font-size: clamp(1.7rem, 2.15vw, 2.35rem); }
.public-lead {
  font-size: 1.05rem;
  line-height: 1.55;
  color: #5b6b82;
  margin: 0;
  max-width: none;
  text-wrap: wrap;
  overflow-wrap: normal;
  word-break: normal;
  hyphens: none;
}
.public-hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.65rem;
  margin-top: 1.35rem;
}
.public-kicker {
  margin: 0;
  font-size: 0.72rem;
  font-weight: 800;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: #0a7c76;
  white-space: normal;
  overflow-wrap: normal;
  word-break: normal;
  hyphens: none;
}
.public-kicker-ink { color: #0a7c76; }
.public-btn-on-dark {
  color: #fff;
  border: 1px solid rgba(255, 255, 255, 0.55);
  background: transparent;
}

.public-page-banner {
  display: block;
  background:
    radial-gradient(ellipse at 88% 0%, rgba(10, 124, 118, 0.07), transparent 40%),
    linear-gradient(180deg, #f4f8f7 0%, #ffffff 100%);
  color: #16324a;
  min-height: 0;
  border-bottom: 1px solid #e6eeec;
}
.public-page-banner-inner {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(12rem, 20rem);
  gap: 1.4rem 2rem;
  align-items: center;
  padding-block: 1.35rem 1.3rem;
}
.public-page-banner-pane {
  position: relative;
  overflow: visible;
  min-width: 0;
  background: transparent;
  display: flex;
  align-items: center;
}
.public-page-banner-pane::before,
.public-page-banner-pane::after { display: none; }
.public-page-banner-copy {
  position: relative;
  z-index: 1;
  padding: 0;
  max-width: none;
  min-width: 0;
}
.public-banner-visual {
  position: relative;
  min-height: 8.5rem;
  height: 10rem;
  border-radius: 14px;
  overflow: hidden;
  box-shadow: 0 12px 28px rgba(18, 48, 71, 0.1);
}
.public-banner-visual .public-hero-photo,
.public-banner-visual .public-banner-media {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
}
.public-banner-visual::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, transparent 62%, rgba(18, 48, 71, 0.16) 100%);
  pointer-events: none;
  z-index: 1;
}
.public-page-banner h1 {
  font-size: clamp(1.55rem, 2.2vw, 2.15rem);
  margin: 0.3rem 0 0.5rem;
  color: #123047;
  text-wrap: wrap;
  overflow-wrap: normal;
  word-break: normal;
  hyphens: none;
}
.public-page-banner .public-kicker {
  color: #0a7c76;
  letter-spacing: 0.14em;
}
.public-page-banner .public-lead {
  font-size: 1rem;
  color: #5b6b82;
  max-width: none;
  white-space: normal;
}
.public-page-banner .public-crumbs { color: #6b7a90; }
.public-page-banner .public-crumbs a { color: #0a7c76; }
.public-page-banner .public-crumbs > * + *::before { color: #b7c2cc; }
.public-crumbs {
  display: flex;
  flex-wrap: wrap;
  gap: 0.25rem 0.15rem;
  align-items: center;
  font-size: 0.75rem;
  color: #6b7a90;
  margin: 0 0 0.7rem;
  min-width: 0;
  max-width: 100%;
}
.public-crumbs > * {
  min-width: 0;
  max-width: 100%;
  white-space: normal;
  overflow-wrap: normal;
  word-break: normal;
  hyphens: none;
}
.public-crumbs a {
  color: #0a7c76;
  text-decoration: none;
  font-weight: 650;
}
.public-crumbs a:hover { text-decoration: underline; }
.public-crumbs > * + *::before {
  content: "/";
  margin: 0 0.4rem 0 0.25rem;
  color: #b7c2cc;
  font-weight: 500;
}

.public-main { flex: 1; width: 100%; }

.public-section { padding: 1.7rem 0; }
.public-section .public-prose,
.public-prose,
.public-page-main,
.public-page-fill,
.public-article-layout {
  max-width: none !important;
  width: 100%;
}
.public-section .public-prose {
  border: 0;
  padding: 0;
  background: transparent;
}
.public-section .public-prose h2 { margin-top: 0; }
.public-section-head { max-width: none; margin-bottom: 1.2rem; }
.public-section-head p { max-width: none; }
.public-section-head h2,
.public-split-copy h2,
.public-prose h2 {
  font-family: var(--font-body);
  font-size: 1.35rem;
  font-weight: 800;
  margin: 0.2rem 0 0.4rem;
}
.public-section-head p,
.public-split-copy p { color: #5b6b82; line-height: 1.55; margin: 0; font-size: 0.94rem; }

.public-card-grid {
  display: grid;
  gap: 1rem;
}
.public-card-grid-2 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.public-card-grid-3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.public-card-grid-4 { grid-template-columns: repeat(4, minmax(0, 1fr)); }

.public-card,
.public-contact-card {
  background: #fff;
  border: 1px solid #e4eaee;
  border-top: 3px solid #0a7c76;
  border-radius: 14px;
  overflow: hidden;
  display: flex;
  flex-direction: column;
  min-height: 100%;
  box-shadow: 0 8px 20px rgba(22, 50, 74, 0.05);
  transition: transform 180ms var(--ease-out), box-shadow 180ms ease, border-color 180ms ease;
}
.public-contact-card { border-top-color: #0a7c76; }
.public-card-body .public-shortcut-icon { margin-bottom: 0.75rem; }
.public-card:hover .public-shortcut-icon {
  transform: translateY(-3px) scale(1.06);
  background: #d5efeb;
}
.public-card:hover,
.public-contact-card:hover {
  transform: translateY(-4px);
  border-color: #9dcec9;
  box-shadow: 0 14px 28px rgba(27, 42, 74, 0.08);
}
.public-card.is-in,
.public-section-head.is-in,
.public-stats-grid.is-in,
.public-notices.is-in {
  animation: public-up 0.5s var(--ease-out) both;
}
.public-card-media { display: none; }
.public-card-icon {
  width: 2.7rem;
  height: 2.7rem;
  display: grid;
  place-items: center;
  border-radius: 50%;
  background: #e7f5f3;
  color: #0a7c76;
  font-size: 0.78rem;
  font-weight: 800;
  letter-spacing: 0.04em;
  margin-bottom: 0.7rem;
}
.public-card-rate {
  margin: 0 0 0.55rem;
  color: #f37e20;
  font-size: 1.55rem;
  font-weight: 800;
  letter-spacing: -0.03em;
  line-height: 1;
}
a.public-card { text-decoration: none; color: inherit; }
.public-card-body,
.public-contact-card { padding: 1.15rem 1.15rem 1.2rem; }
.public-card-body h3,
.public-contact-card h3 {
  margin: 0.15rem 0 0.4rem;
  font-size: 1.02rem;
  text-wrap: wrap;
  overflow-wrap: normal;
  word-break: normal;
  hyphens: none;
}
.public-card-body p,
.public-contact-card p {
  margin: 0 0 0.65rem;
  color: #5b6b82;
  line-height: 1.55;
  font-size: 0.9rem;
  text-wrap: wrap;
  overflow-wrap: normal;
  word-break: normal;
  hyphens: none;
}
.public-text-link {
  color: #0a7c76;
  font-weight: 750;
  font-size: 0.84rem;
  text-decoration: none;
  margin-top: auto;
}
.public-text-link:hover { text-decoration: underline; }

.public-stats { padding: 1.5rem 0; color: #fff; }
.public-stats-navy,
.public-stats-teal {
  background:
    radial-gradient(ellipse at 8% 120%, rgba(243, 126, 32, 0.18), transparent 46%),
    linear-gradient(90deg, #0a2f34, #0b3a38);
  border-block: 0;
  color: #fff;
}
.public-stats-light {
  background: #f4f8f7;
  border-block: 1px solid #e6eeec;
  color: #16324a;
}
.public-stats-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 1rem;
  margin-top: 0.2rem;
}
.public-stats-grid strong {
  display: block;
  font-family: var(--font-body);
  font-size: 1.35rem;
  font-weight: 800;
  color: #f37e20;
  letter-spacing: -0.02em;
}
.public-stats-grid span { color: rgba(255, 255, 255, 0.78); font-size: 0.82rem; }
.public-stats-light .public-stats-grid span { color: #5b6b82; }

.public-split { background: #fff; }
.public-split-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.2rem;
  max-width: 40rem;
}
.public-split-photo { display: none; }
.public-split-copy .btn { margin-top: 1rem; }

.public-cta {
  background:
    radial-gradient(ellipse at 88% 0, rgba(243, 126, 32, 0.22), transparent 36%),
    linear-gradient(90deg, #0a7c76, #0b6863);
  color: #fff;
  padding: 2.4rem 0;
}
.public-below .public-cta { border-radius: 0; }
.public-cta-navy { background: #16324a; }
.public-cta-teal { background: #0a7c76; }
.public-cta-copy { max-width: 38rem; }
.public-cta h2 { color: #fff; font-size: 1.4rem; }
.public-cta .btn-primary {
  background: #fff;
  color: #0a7c76;
  box-shadow: none;
}
body.public-body .public-cta .btn-secondary,
body.public-body .public-cta .public-btn-on-dark {
  color: #fff !important;
  border-color: rgba(255, 255, 255, 0.55) !important;
  background: transparent !important;
}

.public-notices {
  list-style: none;
  margin: 0;
  padding: 0;
  background: #fff;
  border: 1px solid #e4eaee;
  border-radius: 10px;
  overflow: hidden;
}
.public-notices li {
  display: grid;
  grid-template-columns: 6.5rem 1fr;
  gap: 1rem;
  padding: 0.8rem 1.1rem;
  border-bottom: 1px solid #eef2f5;
  align-items: baseline;
}
.public-notices li:last-child { border-bottom: 0; }
.public-notices time { color: #0a7c76; font-weight: 750; font-size: 0.78rem; }
.public-notices a { font-weight: 650; text-decoration: none; font-size: 0.9rem; }
.public-notices a:hover { color: #0a7c76; }

.public-below {
  background: #fff;
  position: relative;
  z-index: 3;
  margin-top: 0;
  border-radius: 0;
  box-shadow: none;
  overflow: visible;
  min-height: 8rem;
}
.public-below-grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr);
  gap: 1.6rem;
  align-items: start;
  padding-top: 1.7rem;
  padding-bottom: 2.6rem;
}
.public-article-layout,
.public-page-fill {
  max-width: none;
  width: 100%;
  padding-top: 0.4rem;
  padding-bottom: 2.2rem;
}
.public-article-layout .public-prose,
.public-article-layout .public-section .public-prose,
.public-page-main .public-prose {
  max-width: none;
  width: 100%;
}
.public-article-cta:empty { display: none; }
.public-article-cta .public-cta {
  border-radius: 0;
}
.public-below-grid:has(.public-page-side:empty),
.public-below-grid:not(:has(.public-page-side a, .public-page-side p, .public-page-side h2, .public-page-side .public-cta)) {
  grid-template-columns: 1fr;
}
.public-page-side:not(:has(a, p, h2, h3, .public-cta, .public-card, article, section, ul, table)) {
  display: none;
}
.public-page-main,
.public-page-side { min-width: 0; }
.public-below .public-page-main {
  background: transparent;
  border: 0;
  box-shadow: none;
  padding: 0;
}
.public-page-main .public-prose,
.public-page-main .public-facts-panel,
.public-page-main .public-faq,
.public-page-main .public-policy {
  background: transparent;
  border: 0;
  box-shadow: none;
  padding: 0;
  margin: 0;
}
.public-page-side { position: sticky; top: 5.2rem; }
.public-page-side .public-cta {
  padding: 1.25rem;
  border-radius: 16px;
  box-shadow: 0 16px 32px rgba(22, 50, 74, 0.12);
}
.public-page-side .public-cta h2 { font-size: 1.15rem; }
.public-page-side .public-cta-copy { max-width: none; }
.public-below .public-section + .public-section { border-top: 1px solid #eef2f5; }

.public-prose {
  background: #fff;
  border: 1px solid #e4eaee;
  border-radius: 10px;
  padding: 1.35rem 1.45rem 1.6rem;
}
.public-section .public-prose { border: 0; padding: 0; background: transparent; }
.public-prose p,
.public-prose li {
  line-height: 1.7;
  color: #44566c;
  font-size: 0.98rem;
  text-wrap: wrap;
  overflow-wrap: normal;
  word-break: normal;
  hyphens: none;
}
.public-prose h2 { margin-top: 1.3rem; }
.public-prose h3 { margin: 1.1rem 0 0.35rem; font-size: 1.02rem; }
.public-prose a { color: #0a7c76; font-weight: 650; }
.public-table-wrap {
  width: 100%;
  overflow-x: auto;
  margin: 0.9rem 0 1.2rem;
}
.public-prose table,
.public-table-wrap table {
  width: 100%;
  border-collapse: collapse;
  margin: 0.85rem 0;
  font-size: 0.88rem;
  border: 1px solid #e4eaee;
  border-radius: 10px;
  overflow: hidden;
}
.public-prose th,
.public-prose td {
  text-align: left;
  padding: 0.65rem 0.8rem;
  border-bottom: 1px solid #e8edf1;
}
.public-prose tr:last-child td { border-bottom: 0; }
.public-prose th { background: #e7f5f3; color: #0a7c76; font-weight: 750; }
.public-prose td:first-child { font-weight: 650; color: #1b2a4a; }
.public-muted { color: #5b6b82; }
.public-btn-row { margin: 0.4rem 0 1rem; }
.public-figure { display: none; }

.public-footer {
  background: #16324a;
  color: rgba(255, 255, 255, 0.82);
  padding: 2.2rem 0 1.1rem;
  margin-top: auto;
}
.public-footer-grid {
  display: grid;
  grid-template-columns: 1.3fr repeat(3, minmax(0, 1fr));
  gap: 1.3rem 1rem;
}
.public-footer h2 {
  margin: 0 0 0.55rem;
  font-size: 0.72rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: #9fe3dc;
}
.public-footer a,
.public-footer p {
  display: block;
  margin: 0 0 0.32rem;
  color: rgba(255, 255, 255, 0.78);
  text-decoration: none;
  font-size: 0.84rem;
  overflow-wrap: normal;
  word-break: normal;
  hyphens: none;
}
.public-footer a:hover { color: #fff; text-decoration: underline; }
.public-footer-about { max-width: 26rem; line-height: 1.45; }
.public-footer-base {
  margin-top: 1.4rem;
  padding-top: 0.85rem;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
}
.public-copy { font-size: 0.75rem; color: rgba(255, 255, 255, 0.5); }

@media (max-width: 1280px) {
  .public-brand small { display: none; }
  .public-card-grid-4,
  .public-stats-grid,
  .public-shortcuts-row,
  .public-trust-row {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
  .public-hero-grid,
  .public-hero-inner {
    grid-template-columns: minmax(0, 2fr) minmax(11rem, 0.5fr);
  }
  .public-page-banner-inner {
    grid-template-columns: minmax(0, 1fr) minmax(10rem, 16rem);
  }
}

@media (max-width: 980px) {
  body.public-body .public-nav-toggle {
    display: inline-flex !important;
    justify-self: end;
    margin-left: auto;
    flex-shrink: 0;
    background: #fff !important;
    border: 1.5px solid #c5d0da !important;
  }
  .public-hero,
  .public-hero-pane,
  .public-page-banner-pane { overflow: visible; }
  .public-header-top {
    display: grid;
    grid-template-columns: 1fr auto;
    grid-template-areas:
      "brand toggle"
      "actions actions";
    align-items: center;
  }
  .public-brand { grid-area: brand; }
  .public-nav-toggle { grid-area: toggle; }
  .public-header-actions { grid-area: actions; margin-left: 0; }
  .public-nav,
  .public-header-actions { display: none; width: 100%; }
  .public-nav.is-open,
  .public-header-actions.is-open {
    display: flex;
    flex-direction: column;
    align-items: stretch;
    padding-bottom: 0.8rem;
  }
  .public-nav > ul { flex-direction: column; align-items: stretch; }
  .public-nav > ul > li > a { height: auto; padding: 0.7rem 0.2rem; border-bottom: 0; }
  .public-nav li.has-children > ul {
    position: static;
    display: none;
    box-shadow: none;
    border: 0;
    padding: 0 0 0 0.8rem;
  }
  .public-nav li.has-children.is-open > ul { display: block; }
  .public-card-grid-3,
  .public-card-grid-4,
  .public-stats-grid,
  .public-page,
  .public-footer-grid,
  .public-hero-split,
  .public-hero-grid,
  .public-hero-inner,
  .public-page-banner-inner { grid-template-columns: 1fr; }
  .public-hero-visual { min-height: 14rem; }
  .public-banner-visual { min-height: 10rem; height: 10rem; }
  .public-hero-rates { grid-template-columns: 1fr; }
  .public-utility-contact span { display: none; }
  .public-shortcuts-row,
  .public-scheme-grid,
  .public-path,
  .public-path-6,
  .public-path-3,
  .public-facts-grid,
  .public-locator-grid { grid-template-columns: 1fr; }
  .public-shortcut { border: 1px solid #dce7ea; }
  .public-path li::after { display: none; }
  .public-locator-map,
  .public-locator.is-compact .public-locator-map { height: 260px; }
  .public-trust-row { grid-template-columns: 1fr 1fr; gap: 1.1rem 0.8rem; }
}

@media (max-width: 640px) {
  .public-card-grid-2 { grid-template-columns: 1fr; }
  .public-notices li { grid-template-columns: 1fr; gap: 0.15rem; }
  .public-hero-copy { padding: 0; }
  .public-hero-pane-inner { padding-block: 2rem 1.8rem; }
  .public-hero-split { padding: 1.8rem 0 3.4rem; }
  .public-facts-grid { grid-template-columns: 1fr 1fr; }
  .public-hero h1,
  .public-hero .public-lead,
  .public-page-banner h1,
  .public-page-banner .public-lead,
  .public-num { white-space: normal; }
  .public-below { margin-top: 0; border-radius: 0; }
  .public-below-grid { grid-template-columns: 1fr; }
  .public-page-side { position: static; }
  .public-hero-media,
  .public-banner-media { animation: none; transform: scale(1.06); }
}

.public-shortcuts {
  position: relative;
  z-index: 4;
  width: 100%;
  margin: 0;
  padding: 1.05rem 0 1.15rem;
  background: #f4f8f8;
  border: 0;
  border-bottom: 1px solid #e4eaee;
  border-radius: 0;
  box-shadow: none;
  overflow: visible;
}
.public-chips {
  display: flex;
  flex-wrap: wrap;
  gap: 0.28rem;
  list-style: none;
  margin: 0.2rem 0 0;
  padding: 0;
}
.public-chips li {
  background: #e7f5f3;
  color: #0a7c76;
  font-size: 0.7rem;
  font-weight: 750;
  padding: 0.16rem 0.48rem;
  border-radius: 999px;
  white-space: nowrap;
  line-height: 1.3;
}
.public-num { white-space: nowrap; }
.public-rate-sheet-note {
  margin: 1.1rem 0 0;
  color: #5b6b82;
  font-size: 0.9rem;
}
.public-below .public-scheme-card,
.public-page-main .public-scheme-card {
  background: #fff;
  border-color: #dce7ea;
  border-top: 3px solid #f37e20;
}
.public-shortcuts-row {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 0.85rem;
}
.public-shortcut {
  display: flex;
  align-items: center;
  gap: 0.85rem;
  padding: 1.05rem 1.05rem 1.1rem;
  text-decoration: none;
  min-height: 5.5rem;
  background: #fff;
  border: 1px solid #dce7ea;
  border-top: 3px solid #0a7c76;
  border-radius: 14px;
  box-shadow: 0 8px 18px rgba(22, 50, 74, 0.05);
  transition: background 180ms ease, transform 180ms var(--ease-out), box-shadow 180ms ease, border-color 180ms ease;
  animation: public-up 0.45s var(--ease-out) both;
}
.public-shortcut:nth-child(1) { animation-delay: 40ms; }
.public-shortcut:nth-child(2) { animation-delay: 90ms; }
.public-shortcut:nth-child(3) { animation-delay: 140ms; }
.public-shortcut:nth-child(4) { animation-delay: 190ms; }
.public-shortcut:last-child { border-right: 1px solid #dce7ea; }
.public-shortcut:hover {
  background: #fff;
  border-color: #f37e20;
  border-top-color: #f37e20;
  transform: translateY(-3px);
  box-shadow: 0 14px 28px rgba(243, 126, 32, 0.16);
}
.public-shortcut-icon {
  width: 2.75rem;
  height: 2.75rem;
  border-radius: 12px;
  background: #0a7c76;
  color: #fff;
  display: grid;
  place-items: center;
  flex-shrink: 0;
  transition: transform 220ms var(--ease-out), background 220ms ease;
}
.public-shortcut:hover .public-shortcut-icon {
  transform: translateY(-2px);
  background: #f37e20;
}
.public-shortcut-icon svg { width: 1.2rem; height: 1.2rem; }
.public-shortcut-copy {
  display: flex;
  flex-direction: column;
  gap: 0.14rem;
  min-width: 0;
  flex: 1;
}
.public-shortcut-copy strong {
  font-size: 0.94rem;
  font-weight: 800;
  color: #16324a;
  white-space: normal;
  overflow-wrap: break-word;
  word-break: normal;
}
.public-shortcut-copy em {
  font-style: normal;
  color: #5b6b82;
  font-size: 0.78rem;
  line-height: 1.35;
  white-space: normal;
}
.public-shortcut-go {
  width: 1.5rem;
  height: 1.5rem;
  border-radius: 50%;
  background: #e7f5f3;
  color: #0a7c76;
  display: grid;
  place-items: center;
  flex-shrink: 0;
  transition: background 180ms ease, color 180ms ease, transform 180ms ease;
}
.public-shortcut-go svg { width: 0.85rem; height: 0.85rem; }
.public-shortcut:hover .public-shortcut-go {
  background: #0a7c76;
  color: #fff;
  transform: translateX(2px);
}

.public-scheme-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1.1rem;
}
.public-scheme-card {
  position: relative;
  overflow: hidden;
  background: #fff;
  border: 1px solid #dce7ea;
  border-top: 3px solid #f37e20;
  border-radius: 16px;
  padding: 1.4rem 1.35rem 1.35rem;
  display: flex;
  flex-direction: column;
  min-height: 100%;
  box-shadow: 0 10px 24px rgba(22, 50, 74, 0.06);
  animation: public-up 0.45s var(--ease-out) both;
  transition: transform 220ms var(--ease-out), box-shadow 220ms ease, border-color 220ms ease;
}
.public-scheme-card::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(115deg, transparent 35%, rgba(255, 255, 255, 0.55) 50%, transparent 65%);
  transform: translateX(-140%);
  pointer-events: none;
}
.public-scheme-card:hover::after {
  transform: translateX(140%);
  transition: transform 0.7s ease;
}
.public-scheme-card:nth-child(2) { animation-delay: 80ms; }
.public-scheme-card:nth-child(3) { animation-delay: 160ms; }
.public-scheme-card:hover {
  transform: translateY(-6px);
  border-color: #f37e20;
  box-shadow: 0 18px 36px rgba(243, 126, 32, 0.16);
}
.public-scheme-card:hover .public-offer-cta {
  background: #e06e12;
  border-color: #e06e12;
}
.public-scheme-card-top {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  gap: 0.6rem;
  margin-bottom: 0.35rem;
}
.public-scheme-card-top .public-kicker { white-space: normal; }
body.public-body a.public-scheme-card {
  text-decoration: none;
  color: inherit;
  cursor: pointer;
}
.public-scheme-head {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 0.75rem;
  margin: 0 0 0.9rem;
  padding-bottom: 0.9rem;
  border-bottom: 1px solid #eef2f5;
}
.public-scheme-head em {
  font-style: normal;
  font-size: 0.68rem;
  font-weight: 800;
  letter-spacing: 0.07em;
  text-transform: uppercase;
  color: #0a7c76;
  background: #e7f5f3;
  border: 1px solid #cfe8e4;
  padding: 0.28rem 0.55rem;
  border-radius: 999px;
  margin-top: 0.4rem;
  white-space: normal;
}
.public-scheme-head .public-offer-rate {
  margin: 0;
  flex-shrink: 0;
  white-space: nowrap;
}
.public-scheme-card h3 { margin: 0 0 0.35rem; font-size: 1.12rem; color: #16324a; }
.public-scheme-card .btn { pointer-events: none; }
.public-offer-rate {
  display: flex;
  align-items: baseline;
  gap: 0.2rem;
  margin: 0 0 0.65rem;
  color: #f37e20;
  line-height: 1;
}
.public-offer-rate b {
  font-size: 2.35rem;
  font-weight: 800;
  letter-spacing: -0.04em;
  font-variant-numeric: tabular-nums;
}
.public-offer-rate small {
  font-size: 0.82rem;
  font-weight: 750;
  color: #c65a0c;
  letter-spacing: 0.02em;
}
.public-offer-cta {
  margin-top: auto;
  width: 100%;
  justify-content: center;
  padding: 0.58rem 1.05rem !important;
}
.public-trust {
  background: #fff;
  border-bottom: 1px solid #e8edf1;
  padding: 1.15rem 0 1.25rem;
}
.public-trust-row {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 0.85rem;
}
.public-trust-item {
  padding: 0.9rem 1.05rem 0.95rem;
  background: #f6faf9;
  border: 1px solid #dce7ea;
  border-left: 3px solid #0a7c76;
  border-radius: 12px;
  animation: public-up 0.45s var(--ease-out) both;
}
.public-trust-item:first-child { padding-left: 1.05rem; }
.public-trust-item:nth-child(2) { animation-delay: 80ms; }
.public-trust-item:nth-child(3) { animation-delay: 140ms; }
.public-trust-item:nth-child(4) { animation-delay: 200ms; }
.public-trust-value {
  margin: 0;
  color: #0a7c76;
  display: flex;
  align-items: baseline;
  gap: 0.2rem;
  line-height: 1;
}
.public-trust-value b {
  font-size: 1.85rem;
  font-weight: 800;
  letter-spacing: -0.04em;
  font-variant-numeric: tabular-nums;
}
.public-trust-value small {
  font-size: 0.78rem;
  font-weight: 750;
  color: #0a7c76;
}
.public-trust-item span {
  display: block;
  margin-top: 0.35rem;
  color: #5b6b82;
  font-size: 0.82rem;
}
.public-scheme-purpose { color: #5b6b82; font-size: 0.88rem; margin: 0 0 0.4rem; }
.public-scheme-meta {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.55rem;
  margin: 0.85rem 0 1.05rem;
}
.public-scheme-meta > div {
  background: #f6faf9;
  border: 1px solid #e4eeef;
  border-radius: 10px;
  padding: 0.55rem 0.7rem 0.6rem;
}
.public-scheme-meta-span {
  grid-column: 1 / -1;
}
.public-scheme-meta dt {
  margin: 0;
  font-size: 0.66rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: #6b7a90;
}
.public-scheme-meta dd { margin: 0.18rem 0 0; font-size: 0.88rem; font-weight: 700; color: #16324a; }
.public-scheme-card > .public-text-link { margin-top: auto; }

.public-path {
  list-style: none;
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 1.2rem 1rem;
  margin: 0;
  padding: 0;
  counter-reset: public-path;
}
.public-path-6 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.public-path-3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.public-path li {
  position: relative;
  counter-increment: public-path;
  padding-top: 0.1rem;
  animation: public-up 0.45s var(--ease-out) both;
}
.public-path li:nth-child(2) { animation-delay: 70ms; }
.public-path li:nth-child(3) { animation-delay: 140ms; }
.public-path li:nth-child(4) { animation-delay: 210ms; }
.public-path li:nth-child(5) { animation-delay: 280ms; }
.public-path li:nth-child(6) { animation-delay: 350ms; }
.public-path li::before {
  content: counter(public-path);
  display: grid;
  place-items: center;
  width: 1.85rem;
  height: 1.85rem;
  margin-bottom: 0.7rem;
  border-radius: 50%;
  background: #0a7c76;
  color: #fff;
  font-size: 0.72rem;
  font-weight: 800;
}
.public-path li:not(:last-child)::after {
  content: "";
  position: absolute;
  top: 0.9rem;
  left: 2.1rem;
  right: -0.6rem;
  height: 2px;
  background: linear-gradient(90deg, #0a7c76, #d4ece8);
  transform-origin: left center;
  animation: public-draw 0.8s var(--ease-out) 0.2s both;
}
@keyframes public-draw {
  from { transform: scaleX(0); }
  to { transform: scaleX(1); }
}
.public-path-6 li:nth-child(3)::after,
.public-path-6 li:nth-child(6)::after { display: none; }
.public-path strong { display: block; font-size: 0.95rem; margin-bottom: 0.25rem; }
.public-path span { display: block; color: #5b6b82; font-size: 0.82rem; line-height: 1.45; }

.public-locator-grid {
  display: grid;
  grid-template-columns: minmax(240px, 320px) minmax(0, 1fr);
  gap: 1rem;
  align-items: stretch;
}
.public-locator-list {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 0.55rem;
}
.public-branch-pin {
  display: flex;
  width: 100%;
  gap: 0.75rem;
  align-items: flex-start;
  text-align: left;
  border: 1px solid #e4eaee;
  background: #fff;
  border-radius: 10px;
  padding: 0.8rem 0.9rem;
  cursor: pointer;
  color: inherit;
  transition: transform 180ms var(--ease-out), border-color 180ms ease, box-shadow 180ms ease;
}
.public-branch-pin:hover,
.public-branch-pin.is-active {
  border-color: #0a7c76;
  box-shadow: 0 8px 18px rgba(10, 124, 118, 0.1);
}
.public-branch-pin.is-active { transform: translateX(3px); }
.public-branch-code {
  flex-shrink: 0;
  background: #e7f5f3;
  color: #0a7c76;
  font-size: 0.68rem;
  font-weight: 800;
  letter-spacing: 0.04em;
  padding: 0.32rem 0.4rem;
  border-radius: 6px;
}
.public-branch-pin strong { display: block; font-size: 0.9rem; }
.public-branch-pin em {
  display: block;
  margin-top: 0.15rem;
  font-style: normal;
  color: #5b6b82;
  font-size: 0.78rem;
}
.public-locator-stage { min-width: 0; }
.public-locator-map {
  width: 100%;
  height: 420px;
  border: 0;
  border-radius: 12px;
  display: block;
  background: #eef3f2;
  box-shadow: 0 12px 28px rgba(27, 42, 74, 0.08);
}
.public-locator.is-compact .public-locator-map { height: 300px; }
.public-locator-stage .public-text-link { display: inline-block; margin-top: 0.7rem; }
.public-locator-more { margin: 1.1rem 0 0; }

/* Login / register sitting inside marketing chrome */
.public-auth {
  background:
    radial-gradient(circle at 88% 0, rgba(243, 126, 32, 0.1), transparent 28%),
    radial-gradient(circle at 1px 1px, rgba(10, 124, 118, 0.08) 1px, transparent 0),
    linear-gradient(180deg, #f4f8f8 0%, #fff 100%);
  background-size: auto, 22px 22px, auto;
  padding: 2.2rem 0 3rem;
  border-bottom: 1px solid #e8edf1;
}
.public-auth-grid {
  display: grid;
  width: 74%;
  max-width: none;
  margin-inline: auto;
  grid-template-columns: minmax(0, 1.9fr) minmax(280px, 0.7fr);
  justify-content: stretch;
  gap: 2rem;
  align-items: start;
}
.public-auth-grid-wide {
  width: 74%;
  max-width: none;
  margin-inline: auto;
  grid-template-columns: minmax(0, 1.9fr) minmax(280px, 0.65fr);
}
.public-auth-single { width: min(460px, 100%); margin-inline: auto; }
.public-auth-card,
.public-rate-panel {
  background: #fff;
  border: 1px solid #e4eaee;
  border-radius: 12px;
  padding: 2rem 2.15rem 2.1rem;
  box-shadow: 0 10px 28px rgba(27, 42, 74, 0.05);
}
body.public-body .auth-enter {
  animation: none;
  opacity: 1;
  transform: none;
}
.public-auth-card h1 {
  margin: 0.2rem 0 0.35rem;
  font-size: clamp(1.55rem, 2.4vw, 1.9rem);
  font-weight: 800;
  letter-spacing: -0.03em;
}
.public-auth-card > .public-muted { margin-bottom: 1.15rem; }
.public-auth-card .auth-form { margin-top: 0.4rem; }
.public-auth-links {
  margin: 1rem 0 0;
  font-size: 0.88rem;
  color: #5b6b82;
}
.public-auth-links a {
  color: #0a7c76;
  font-weight: 750;
  text-decoration: none;
}
.public-auth-links a:hover { text-decoration: underline; }
.public-rate-panel h2 {
  margin: 0.2rem 0 0.4rem;
  font-size: 1.15rem;
  font-weight: 800;
}
.public-rate-panel > .public-text-link { display: inline-block; margin-top: 0.2rem; }
.public-rate-list,
.public-step-list {
  list-style: none;
  margin: 0.9rem 0 1.1rem;
  padding: 0;
}
.public-rate-list a {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 0.8rem;
  padding: 0.75rem 0;
  border-bottom: 1px solid #eef2f5;
  text-decoration: none;
}
.public-rate-list li:last-child a { border-bottom: 0; }
.public-rate-list strong { display: block; font-size: 0.82rem; letter-spacing: 0.04em; }
.public-rate-list em {
  display: block;
  font-style: normal;
  color: #5b6b82;
  font-size: 0.78rem;
  font-weight: 500;
}
.public-rate-list b {
  color: #f37e20;
  font-size: 1.05rem;
  font-weight: 800;
}
.public-rate-list a:hover strong { color: #0a7c76; }
.public-rate-list a:hover {
  background: #f3faf8;
  border-radius: 8px;
}
.public-step-list { counter-reset: public-step; }
.public-step-list li {
  position: relative;
  padding: 0.55rem 0 0.55rem 2.4rem;
  border-bottom: 1px solid #eef2f5;
  counter-increment: public-step;
}
.public-step-list li:last-child { border-bottom: 0; }
.public-step-list li::before {
  content: counter(public-step);
  position: absolute;
  left: 0;
  top: 0.55rem;
  width: 1.7rem;
  height: 1.7rem;
  border-radius: 8px;
  background: #e7f5f3;
  color: #0a7c76;
  font-size: 0.72rem;
  font-weight: 800;
  display: grid;
  place-items: center;
}
.public-step-list strong { display: block; font-size: 0.88rem; }
.public-step-list span { display: block; color: #5b6b82; font-size: 0.8rem; margin-top: 0.15rem; }

.public-help-chip { display: none; }

.public-faq,
.public-policy { margin: 0 0 0.4rem; }
.public-faq-tools {
  display: grid;
  gap: 0.85rem;
  margin: 0 0 1rem;
}
.public-faq-search input {
  width: 100%;
  border: 1px solid #d5dee6;
  border-radius: 8px;
  padding: 0.75rem 0.95rem;
  font: inherit;
  font-size: 0.92rem;
  background: #fff;
  color: inherit;
}
.public-faq-search input:focus {
  outline: 2px solid rgba(10, 124, 118, 0.28);
  border-color: #0a7c76;
}
.public-faq-tabs {
  display: flex;
  flex-wrap: wrap;
  gap: 0.4rem;
}
.public-faq-tabs button {
  border: 1px solid #d5dee6;
  background: #fff;
  color: #1b2a4a;
  border-radius: 999px;
  padding: 0.38rem 0.85rem;
  font: inherit;
  font-size: 0.78rem;
  font-weight: 750;
  cursor: pointer;
  transition: background 160ms ease, border-color 160ms ease, color 160ms ease;
}
.public-faq-tabs button:hover { border-color: #0a7c76; color: #0a7c76; }
.public-faq-tabs button.is-active {
  background: #0a7c76;
  border-color: #0a7c76;
  color: #fff;
}
.public-faq-list { display: grid; gap: 0.55rem; }
.public-faq-item {
  border: 1px solid #e4eaee;
  border-radius: 10px;
  background: #fff;
  overflow: hidden;
  transition: border-color 180ms ease, box-shadow 180ms ease;
}
.public-faq-item.is-hidden { display: none; }
.public-faq-item[open] {
  border-color: #0a7c76;
  box-shadow: 0 8px 20px rgba(10, 124, 118, 0.08);
}
.public-faq-item summary {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 1rem;
  padding: 0.95rem 1.1rem;
  font-weight: 750;
  font-size: 0.95rem;
  cursor: pointer;
  list-style: none;
}
.public-faq-item summary::-webkit-details-marker { display: none; }
.public-faq-item summary::marker { content: ""; }
.public-faq-item summary em {
  display: block;
  font-style: normal;
  font-size: 0.68rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: #0a7c76;
  font-weight: 800;
  margin-bottom: 0.22rem;
}
.public-faq-item summary i {
  position: relative;
  width: 1.7rem;
  height: 1.7rem;
  border-radius: 50%;
  background: #e7f5f3;
  color: #0a7c76;
  flex-shrink: 0;
  transition: transform 220ms var(--ease-out), background 220ms ease, color 220ms ease;
}
.public-faq-item summary i::before,
.public-faq-item summary i::after {
  content: "";
  position: absolute;
  left: 50%;
  top: 50%;
  background: currentColor;
  transform: translate(-50%, -50%);
  border-radius: 1px;
}
.public-faq-item summary i::before { width: 10px; height: 2px; }
.public-faq-item summary i::after { width: 2px; height: 10px; }
.public-faq-item[open] summary i {
  background: #0a7c76;
  color: #fff;
  transform: rotate(45deg);
}
.public-faq-answer {
  padding: 0 1.1rem 1.05rem 1.1rem;
  animation: public-up 0.28s var(--ease-out);
}
.public-faq-answer p {
  margin: 0;
  color: #5b6b82;
  font-size: 0.92rem;
  line-height: 1.6;
  max-width: none;
}
.public-faq-empty {
  margin: 0.6rem 0 0;
  color: #5b6b82;
  font-size: 0.9rem;
}
.public-facts-panel {
  background: #fff;
  border: 1px solid #e4eaee;
  border-radius: 12px;
  padding: 1.25rem 1.3rem 1.35rem;
  box-shadow: 0 10px 28px rgba(27, 42, 74, 0.05);
}
.public-facts-panel .public-offer-rate { margin-bottom: 0.45rem; }
.public-facts-panel h2 {
  font-size: 1.25rem;
  margin: 0.15rem 0 0.4rem;
}
.public-facts-panel > p { color: #5b6b82; font-size: 0.92rem; line-height: 1.55; }
.public-facts-panel h3 {
  font-size: 0.95rem;
  margin: 0.35rem 0 0.4rem;
}
.public-facts-panel ul {
  margin: 0 0 0.9rem;
  padding-left: 1.15rem;
  color: #5b6b82;
  font-size: 0.9rem;
  line-height: 1.55;
}
.public-facts-grid { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.public-policy .public-path { margin: 0 0 1.35rem; }
.public-policy .public-card-grid { margin-top: 0.2rem; }

.public-header-actions .btn.is-current {
  box-shadow: 0 0 0 2px rgba(10, 124, 118, 0.18);
}

body.public-body .auth-wrap {
  min-height: 0;
  padding: 2.2rem 1rem 3rem;
}
body.public-body .auth-card,
body.public-body .public-main > .auth-card,
body.public-body .public-main > section.auth-card {
  width: min(440px, calc(100% - 2rem));
  margin: 2.2rem auto 3rem;
  background: #fff;
  border: 1px solid #e4eaee;
  border-radius: 12px;
  box-shadow: 0 10px 28px rgba(27, 42, 74, 0.05);
}

@media (max-width: 980px) {
  .auth-audience-grid { grid-template-columns: 1fr; }
  .auth-audience-card { white-space: normal; }
  .public-header-actions.is-open .public-login-menu > ul,
  .public-login-menu.is-open > ul {
    position: static;
    display: block;
    min-width: 0;
    margin-top: 0.4rem;
    box-shadow: none;
  }
  .public-auth-grid,
  .public-auth-grid-wide {
    width: 100%;
    grid-template-columns: 1fr;
  }
  .public-hero .public-hero-copy h1,
  .public-hero .public-hero-copy > .public-kicker {
    white-space: normal;
    text-wrap: wrap;
  }
  .public-hero .public-hero-copy > .public-lead {
    white-space: pre-line;
  }
}

@media (max-width: 1100px) {
  .public-card-grid-3,
  .public-scheme-grid,
  .public-facts-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

/* Wrap only at spaces — never split a word or force a heading onto two lines early. */
body.public-body h1,
body.public-body h2,
body.public-body h3,
body.public-body h4,
body.public-body p,
body.public-body li,
body.public-body td,
body.public-body th,
body.public-body dd,
body.public-body .public-lead,
body.public-body .public-kicker,
body.public-body .public-card-body,
body.public-body .public-prose,
body.public-body .public-crumbs,
body.public-body .public-faq-item summary,
body.public-body .public-faq-answer p,
body.public-body .public-split-copy,
body.public-body .public-cta-copy,
body.public-body .public-section-head,
body.public-body .public-footer {
  overflow-wrap: normal;
  word-break: normal;
  word-wrap: normal;
  hyphens: none;
  -webkit-hyphens: none;
  text-wrap: wrap;
}
body.public-body h1,
body.public-body h2,
body.public-body h3 {
  text-wrap: wrap;
}
@media (min-width: 981px) {
  body.public-body .public-hero .public-hero-copy h1,
  body.public-body .public-hero .public-hero-copy > .public-kicker {
    white-space: nowrap;
    text-wrap: nowrap;
  }
  body.public-body .public-hero .public-hero-copy > .public-lead {
    white-space: pre-line;
  }
}

@media (max-width: 768px) {
  body.public-body { overflow-x: hidden; }
  .public-wrap { padding-inline: 1rem; }
  .public-header-actions .btn { width: 100%; justify-content: center; }
  .public-utility-inner,
  .public-footer-grid { grid-template-columns: 1fr; }
  .public-prose img,
  .public-page img,
  .public-hero img,
  .public-card img { max-width: 100%; height: auto; }
  .public-table,
  .public-prose table { display: block; overflow-x: auto; }
}

@media (max-width: 480px) {
  .public-brand strong { font-size: 0.92rem; }
  .public-hero h1,
  .public-page-banner h1 { font-size: 1.55rem; }
  .public-header-actions { gap: 0.45rem; }
  .btn { min-height: 2.5rem; }
}

@media (prefers-reduced-motion: reduce) {
  .public-ticker-track,
  .public-card,
  .public-reveal,
  .public-help-chip,
  .public-scheme-card,
  .public-path li,
  .public-faq-answer,
  .public-hero-media,
  .public-banner-media,
  .auth-enter { animation: none !important; transform: none !important; }
}