/* =============================================================
   North Central Area Credit Union — Redesign
   Design system: Chief-inspired layout, NCACU brand palette
   Tokens → Base → Header → Hero → Components → Sections → Footer → Responsive
   ============================================================= */

/* ---------- Design tokens ---------- */
:root {
  /* Brand palette (extracted from NCACU live CSS + logo) */
  --navy:        #123157;   /* primary */
  --navy-2:      #1b3d67;   /* alt navy */
  --navy-3:      #466181;   /* mid blue */
  --gold:        #f2be47;   /* primary CTA */
  --gold-dark:   #d9a52f;
  --rust:        #b33e26;   /* accent */
  --lime:        #aacf39;   /* accent */
  --lime-dark:   #8fb52a;

  --gray-900: #1d2733;
  --gray-700: #4a5562;
  --gray-500: #888e8f;
  --gray-300: #bdc0c0;
  --gray-100: #eaedf2;   /* tint band */
  --gray-50:  #f5f7fa;
  --white: #ffffff;

  --ink: #1d2733;            /* body text */
  --ink-soft: #4a5562;

  /* Type */
  --font-sans: "Inter", "Segoe UI", system-ui, -apple-system, "Helvetica Neue", Arial, sans-serif;
  --font-head: "Poppins", "Inter", "Segoe UI", system-ui, sans-serif;

  /* Spacing scale */
  --sp-1: .25rem; --sp-2: .5rem; --sp-3: .75rem; --sp-4: 1rem;
  --sp-5: 1.5rem; --sp-6: 2rem; --sp-7: 3rem; --sp-8: 4rem; --sp-9: 6rem;

  --radius: 8px;
  --radius-sm: 6px;
  --radius-lg: 16px;
  --shadow-sm: 0 1px 3px rgba(18,49,87,.08), 0 1px 2px rgba(18,49,87,.06);
  --shadow:    0 6px 20px rgba(18,49,87,.10);
  --shadow-lg: 0 18px 40px rgba(18,49,87,.16);

  --container: 1200px;
  --header-h: 146px;  /* utility + primary bar (mobile slide-in offset) */
}

/* ---------- Reset / base ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--font-sans);
  color: var(--ink);
  background: var(--white);
  line-height: 1.6;
  font-size: 17px;
  -webkit-font-smoothing: antialiased;
}
h1, h2, h3, h4 { font-family: var(--font-head); color: var(--navy); line-height: 1.15; margin: 0 0 .5em; font-weight: 700; letter-spacing: -.01em; }
h1 { font-size: clamp(2rem, 4.5vw, 3.25rem); }
h2 { font-size: clamp(1.6rem, 3vw, 2.4rem); }
h3 { font-size: 1.3rem; }
p { margin: 0 0 1em; }
a { color: var(--navy-3); text-decoration: none; }
a:hover { color: var(--navy); text-decoration: underline; }
img { max-width: 100%; display: block; }
ul { margin: 0 0 1em; padding-left: 1.2em; }

.container { max-width: var(--container); margin-inline: auto; padding-inline: var(--sp-5); }
.eyebrow { text-transform: uppercase; letter-spacing: .12em; font-size: .8rem; font-weight: 700; color: var(--lime-dark); margin: 0 0 .5em; font-family: var(--font-sans); }
.lead { font-size: 1.18rem; color: var(--ink-soft); }
.text-center { text-align: center; }
.skip-link { position: absolute; left: -999px; top: 0; background: var(--gold); color: var(--navy); padding: .6rem 1rem; z-index: 2000; border-radius: 0 0 var(--radius) 0; font-weight: 700; }
.skip-link:focus { left: 0; }
:focus-visible { outline: 3px solid var(--gold); outline-offset: 2px; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; gap: .5rem;
  font-family: var(--font-head); font-weight: 600; font-size: 1rem;
  padding: .75rem 1.4rem; border-radius: var(--radius-sm);
  border: 2px solid transparent; cursor: pointer; transition: all .18s ease;
  text-decoration: none; line-height: 1;
}
.btn:hover { text-decoration: none; transform: translateY(-1px); }
.btn-primary { background: var(--gold); color: var(--navy); }
.btn-primary:hover { background: var(--gold-dark); color: var(--navy); }
.btn-navy { background: var(--navy); color: #fff; }
.btn-navy:hover { background: var(--navy-2); color: #fff; }
.btn-lime { background: var(--lime); color: var(--navy); }
.btn-lime:hover { background: var(--lime-dark); color: var(--navy); }
.btn-outline { background: transparent; color: var(--navy); border-color: var(--navy); }
.btn-outline:hover { background: var(--navy); color: #fff; }
.btn-outline-light { background: transparent; color: #fff; border-color: rgba(255,255,255,.7); }
.btn-outline-light:hover { background: #fff; color: var(--navy); }
.btn-lg { padding: .95rem 1.8rem; font-size: 1.08rem; }
.btn-sm { padding: .45rem .9rem; font-size: .9rem; }

/* ---------- Header ---------- */
.site-header { position: sticky; top: 0; z-index: 1000; background: #fff; box-shadow: var(--shadow-sm); }

/* utility bar */
.utility-bar { background: var(--navy); color: #cdd6e3; font-size: .85rem; }
.utility-bar .container { display: flex; align-items: center; justify-content: flex-end; gap: 1.4rem; min-height: 38px; }
.utility-bar a { color: #cdd6e3; }
.utility-bar a:hover { color: #fff; }
.utility-bar .util-phone { margin-right: auto; font-weight: 600; color: #fff; }
.utility-bar .util-phone span { color: var(--gold); }
.utility-bar .lang { display: inline-flex; align-items: center; gap: .35rem; }

/* primary bar — logo + actions only (nav moved to its own row below) */
.primary-bar .container { display: flex; align-items: center; gap: 1.5rem; min-height: 100px; }
.brand { display: flex; align-items: center; flex-shrink: 0; }
.brand img { height: 86px; width: auto; }
.brand-text { display: none; }

/* dedicated full-width navigation row */
.nav-bar { background: #fff; border-top: 1px solid var(--gray-100); }
.nav-bar .container { display: flex; }
.main-nav { width: 100%; }
.nav-list { display: flex; align-items: center; justify-content: center; gap: .3rem; list-style: none; margin: 0; padding: 0; }
.nav-item { position: relative; }
.nav-link {
  display: inline-flex; align-items: center; gap: .35rem;
  font-family: var(--font-head); font-weight: 600; color: var(--navy);
  padding: .95rem 1.05rem; font-size: 1.02rem; border-radius: var(--radius-sm);
  background: none; border: 0; cursor: pointer; white-space: nowrap;
}
.nav-mobile-cta { display: none; }
.nav-link:hover, .nav-item:hover .nav-link, .nav-item.open .nav-link { color: var(--navy); background: var(--gray-100); text-decoration: none; }
.nav-link .caret { width: 9px; height: 9px; border-right: 2px solid currentColor; border-bottom: 2px solid currentColor; transform: rotate(45deg) translateY(-2px); transition: transform .18s; }
.nav-item:hover .caret, .nav-item.open .caret { transform: rotate(-135deg) translateY(-1px); }

/* dropdown */
.dropdown {
  position: absolute; top: calc(100% + 4px); left: 0; min-width: 250px;
  background: #fff; border-radius: var(--radius); box-shadow: var(--shadow-lg);
  border-top: 4px solid var(--gold); padding: .5rem; list-style: none; margin: 0;
  opacity: 0; visibility: hidden; transform: translateY(8px); transition: all .16s ease; z-index: 1100;
}
.nav-item:hover .dropdown, .nav-item.open .dropdown { opacity: 1; visibility: visible; transform: translateY(0); }
.dropdown a { display: block; padding: .6rem .8rem; border-radius: var(--radius-sm); color: var(--ink); font-weight: 500; font-size: .95rem; }
.dropdown a:hover { background: var(--gray-100); color: var(--navy); text-decoration: none; }
.dropdown a small { display: block; color: var(--gray-500); font-weight: 400; font-size: .8rem; }

.nav-actions { display: flex; align-items: center; gap: .6rem; flex-shrink: 0; margin-left: auto; }

/* mobile toggle */
.nav-toggle { display: none; flex-direction: column; gap: 5px; background: none; border: 0; cursor: pointer; padding: .5rem; }
.nav-toggle span { width: 26px; height: 3px; background: var(--navy); border-radius: 2px; transition: .2s; }

/* ---------- Hero ---------- */
.hero { position: relative; background: var(--navy); color: #fff; overflow: hidden; }
.hero-media { position: absolute; inset: 0; }
.hero-media img { width: 100%; height: 100%; object-fit: cover; }
.hero::after { content: ""; position: absolute; inset: 0;
  background: linear-gradient(100deg, rgba(18,49,87,.92) 28%, rgba(18,49,87,.78) 52%, rgba(18,49,87,.35) 100%); }
.hero .container { position: relative; z-index: 2; padding-block: clamp(3.5rem, 8vw, 6.5rem); }
.hero-content { max-width: 620px; }
.hero h1 { color: #fff; }
.hero p { font-size: 1.25rem; color: #dbe3ee; max-width: 48ch; }
.hero-cta { display: flex; flex-wrap: wrap; gap: .9rem; margin-top: 1.8rem; }
.hero-badges { display: flex; gap: .7rem; align-items: center; flex-wrap: wrap; margin-top: 2.2rem; }
.hero-badges .trust-chip {
  display: inline-flex; align-items: center; font-family: var(--font-head);
  font-weight: 600; font-size: .82rem; letter-spacing: .02em; color: #fff;
  background: rgba(255,255,255,.12); border: 1px solid rgba(255,255,255,.28);
  padding: .5rem .95rem; border-radius: 999px;
}

/* curved divider (NCACU brand nod) */
.curve-divider { position: relative; z-index: 3; line-height: 0; margin-top: -1px; }
.curve-divider svg { width: 100%; height: 56px; display: block; }

/* compact interior hero */
.page-hero { position: relative; background: var(--navy); color: #fff; overflow: hidden; }
.page-hero-media { position: absolute; inset: 0; }
.page-hero-media img { width: 100%; height: 100%; object-fit: cover; }
.page-hero::after { content: ""; position: absolute; inset: 0; background: linear-gradient(90deg, rgba(18,49,87,.94), rgba(18,49,87,.7)); }
.page-hero .container { position: relative; z-index: 2; padding-block: clamp(2.5rem, 5vw, 4rem); }
.page-hero h1 { color: #fff; margin-bottom: .3em; }
.page-hero p { color: #dbe3ee; max-width: 60ch; font-size: 1.15rem; margin: 0; }
.breadcrumb { font-size: .85rem; color: #aebccf; margin-bottom: .8rem; }
.breadcrumb a { color: #aebccf; }
.breadcrumb a:hover { color: #fff; }
.breadcrumb span { margin: 0 .4rem; opacity: .6; }

/* ---------- Sections ---------- */
.section { padding-block: clamp(2.5rem, 5vw, 4rem); }
.section.seam { padding-top: 0; }
.section.tint { background: var(--gray-100); }
.section.navy { background: var(--navy); color: #fff; }
.section.navy h2, .section.navy h3 { color: #fff; }
.section.navy p { color: #cdd6e3; }
.section-head { max-width: 720px; margin: 0 auto 2.5rem; text-align: center; }
.section-head p { color: var(--ink-soft); font-size: 1.12rem; }

/* card grids */
.grid { display: grid; gap: 1.5rem; }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }

/* offer / product card */
.card {
  background: #fff; border-radius: var(--radius); box-shadow: var(--shadow-sm);
  border: 1px solid var(--gray-100); overflow: hidden; display: flex; flex-direction: column;
  transition: box-shadow .2s, transform .2s; position: relative;
}
.card:hover { box-shadow: var(--shadow); transform: translateY(-3px); }
.card-accent { height: 5px; background: var(--navy); }
.card-accent.gold { background: var(--gold); }
.card-accent.lime { background: var(--lime); }
.card-accent.rust { background: var(--rust); }
.card-body { padding: 1.5rem; flex: 1; display: flex; flex-direction: column; }
.card-body h3 { margin-bottom: .4rem; }
.card-body p { color: var(--ink-soft); font-size: .98rem; }
.card .rate { font-family: var(--font-head); font-weight: 700; color: var(--rust); font-size: 2.2rem; line-height: 1; margin: .2rem 0; }
.card .rate small { font-size: .9rem; color: var(--gray-500); font-weight: 600; }
.card-link { margin-top: auto; font-weight: 600; color: var(--navy); display: inline-flex; align-items: center; gap: .35rem; padding-top: .8rem; }
.card-link::after { content: "→"; transition: transform .18s; }
.card:hover .card-link::after { transform: translateX(4px); }
.card-icon { width: 52px; height: 52px; border-radius: 12px; background: var(--gray-100); display: grid; place-items: center; margin-bottom: 1rem; color: var(--navy); font-size: 1.6rem; }
.card-img { aspect-ratio: 16/10; background: var(--gray-100); }
.card-img img { width: 100%; height: 100%; object-fit: cover; }

/* feature list with checks */
.checklist { list-style: none; padding: 0; margin: 0; }
.checklist li { position: relative; padding-left: 2rem; margin-bottom: .8rem; }
.checklist li::before {
  content: "✓"; position: absolute; left: 0; top: 0; width: 1.4rem; height: 1.4rem;
  background: var(--lime); color: var(--navy); border-radius: 50%; display: grid; place-items: center;
  font-weight: 700; font-size: .8rem;
}

/* split / media-text */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(2rem, 5vw, 4rem); align-items: center; }
.split.reverse > :first-child { order: 2; }
.split-media img { border-radius: var(--radius-lg); box-shadow: var(--shadow); width: 100%; }

/* answer block (AEO) */
.answer-block { background: var(--gray-50); border-left: 4px solid var(--lime); border-radius: var(--radius); padding: 1.2rem 1.4rem; margin: 0 0 1.5rem; }
.answer-block p:last-child { margin-bottom: 0; }
.answer-block strong { color: var(--navy); }

/* key facts list (AEO/LLM) */
.keyfacts { display: grid; grid-template-columns: repeat(auto-fit, minmax(180px, 1fr)); gap: 1rem; list-style: none; padding: 0; margin: 1.5rem 0; }
.keyfacts li { background: #fff; border: 1px solid var(--gray-100); border-radius: var(--radius); padding: 1rem; }
.keyfacts dt, .keyfacts .k { font-size: .82rem; text-transform: uppercase; letter-spacing: .08em; color: var(--gray-500); font-weight: 700; }
.keyfacts dd, .keyfacts .v { margin: .2rem 0 0; font-family: var(--font-head); font-weight: 700; color: var(--navy); font-size: 1.15rem; }

/* tables (rates / comparison) */
.table-wrap { overflow-x: auto; border-radius: var(--radius); box-shadow: var(--shadow-sm); border: 1px solid var(--gray-100); }
table.data { width: 100%; border-collapse: collapse; background: #fff; min-width: 520px; }
table.data caption { text-align: left; font-weight: 600; color: var(--gray-500); padding: .6rem 1rem; }
table.data th, table.data td { padding: .85rem 1.1rem; text-align: left; border-bottom: 1px solid var(--gray-100); }
table.data thead th { background: var(--navy); color: #fff; font-family: var(--font-head); font-size: .95rem; }
table.data tbody tr:nth-child(even) { background: var(--gray-50); }
table.data td:last-child, table.data th:last-child { text-align: right; }
.apr-note { font-size: .82rem; color: var(--gray-500); margin-top: .8rem; }

/* FAQ (accordion) */
.faq { max-width: 820px; margin-inline: auto; }
.faq-item { background: #fff; border: 1px solid var(--gray-100); border-radius: var(--radius); margin-bottom: .8rem; overflow: hidden; }
.faq-q { width: 100%; text-align: left; background: none; border: 0; padding: 1.1rem 1.3rem; font-family: var(--font-head); font-weight: 600; font-size: 1.05rem; color: var(--navy); cursor: pointer; display: flex; justify-content: space-between; align-items: center; gap: 1rem; }
.faq-q::after { content: "+"; font-size: 1.5rem; color: var(--lime-dark); flex-shrink: 0; transition: transform .2s; }
.faq-item.open .faq-q::after { content: "−"; }
.faq-a { padding: 0 1.3rem; max-height: 0; overflow: hidden; transition: max-height .25s ease, padding .25s ease; }
.faq-item.open .faq-a { padding: 0 1.3rem 1.2rem; max-height: 600px; }
.faq-a p { color: var(--ink-soft); margin: 0; }

/* CTA band — navy with a tri-color accent stripe echoing the NCACU logo ring */
.cta-band { background: var(--navy); color: #fff; border-radius: var(--radius-lg); padding: clamp(2.25rem, 5vw, 3.75rem); text-align: center; position: relative; overflow: hidden; border: 1px solid rgba(255,255,255,.06); }
.cta-band::before { content: ""; position: absolute; left: 0; right: 0; top: 0; height: 6px;
  background: linear-gradient(90deg, var(--gold) 0 33.33%, var(--rust) 33.33% 66.66%, var(--lime) 66.66% 100%); }
.cta-band h2 { color: #fff; }
.cta-band p { color: #cdd6e3; max-width: 50ch; margin-inline: auto; }
.cta-band .hero-cta { justify-content: center; }

/* testimonial */
.testimonial { max-width: 760px; margin-inline: auto; text-align: center; }
.testimonial blockquote { font-family: var(--font-head); font-size: clamp(1.3rem, 2.5vw, 1.7rem); color: var(--navy); line-height: 1.4; margin: 0 0 1rem; font-weight: 600; }
.testimonial blockquote::before { content: "“"; color: var(--gold); font-size: 2.5em; line-height: 0; vertical-align: -.4em; margin-right: .05em; }
.testimonial cite { color: var(--gray-500); font-style: normal; font-weight: 600; }

/* app promo */
.app-badges { display: flex; gap: .8rem; flex-wrap: wrap; margin-top: 1.2rem; }
.app-badges .store { display: inline-flex; align-items: center; gap: .6rem; background: var(--navy); color: #fff; padding: .6rem 1.1rem; border-radius: var(--radius); font-family: var(--font-head); }
.app-badges .store:hover { background: var(--navy-2); text-decoration: none; color: #fff; }
.app-badges .store small { display: block; font-size: .68rem; opacity: .8; font-weight: 400; }
.app-badges .store strong { font-size: 1rem; }

/* stat strip */
.stats { display: grid; grid-template-columns: repeat(4,1fr); gap: 1rem; text-align: center; }
.stats .num { font-family: var(--font-head); font-weight: 700; font-size: clamp(1.8rem,3vw,2.6rem); color: var(--gold); }
.stats .lbl { color: #cdd6e3; font-size: .95rem; }

/* image figure with caption (comp credit) */
figure.photo { margin: 0; }
figure.photo img { border-radius: var(--radius-lg); box-shadow: var(--shadow); width: 100%; }
figure.photo figcaption { font-size: .78rem; color: var(--gray-500); margin-top: .4rem; }

/* location cards */
.loc-card { background:#fff; border:1px solid var(--gray-100); border-radius: var(--radius); padding: 1.4rem; box-shadow: var(--shadow-sm); }
.loc-card h3 { margin-bottom: .3rem; }
.loc-card address { font-style: normal; color: var(--ink-soft); margin-bottom: .6rem; }
.loc-card .hours { font-size: .9rem; color: var(--gray-700); }
.map-embed { border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow); }
.map-embed iframe { width: 100%; height: 340px; border: 0; display: block; }

/* prose */
.prose { max-width: 760px; }
.prose h2 { margin-top: 1.8em; }
.prose h3 { margin-top: 1.4em; }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy); color: #b9c4d4; font-size: .95rem; }
.footer-main { padding-block: var(--sp-8); }
.footer-grid { display: grid; grid-template-columns: 1.4fr repeat(4, 1fr); gap: 2rem; }
.footer-brand img { height: 64px; filter: brightness(0) invert(1); margin-bottom: 1rem; }
.footer-brand p { font-size: .9rem; max-width: 30ch; }
.footer-routing { font-size: .85rem; color: #8fa0b8; margin-top: 1rem; }
.footer-routing strong { color: #fff; }
.social { display: flex; gap: .6rem; margin-top: 1rem; }
.social a { width: 38px; height: 38px; border-radius: 50%; background: rgba(255,255,255,.1); display: grid; place-items: center; color: #fff; font-weight: 700; }
.social a:hover { background: var(--gold); color: var(--navy); text-decoration: none; }
.footer-col h4 { color: #fff; font-size: 1rem; margin-bottom: .9rem; }
.footer-col ul { list-style: none; padding: 0; margin: 0; }
.footer-col li { margin-bottom: .5rem; }
.footer-col a { color: #b9c4d4; }
.footer-col a:hover { color: #fff; }
.footer-badges { display: flex; align-items: center; gap: 1.2rem; flex-wrap: wrap; padding-block: 1.5rem; border-top: 1px solid rgba(255,255,255,.12); }
.footer-badges img { height: 52px; width: auto; background: #fff; border-radius: 6px; padding: 4px; }
.footer-badges .ncua-line { font-size: .82rem; color: #8fa0b8; max-width: 52ch; }
.footer-disclaimer { border-top: 1px solid rgba(255,255,255,.12); padding-block: 1.4rem; }
.footer-disclaimer p { font-size: .78rem; line-height: 1.55; color: #8fa0b8; margin: 0 0 .6rem; }
.footer-disclaimer p:last-child { margin-bottom: 0; }
.footer-disclaimer strong { color: #b9c4d4; }
.footer-disclaimer a { color: #b9c4d4; text-decoration: underline; }
.footer-disclaimer a:hover { color: #fff; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.12); padding-block: 1.2rem; }
.footer-bottom a { color: #8fa0b8; }
.footer-bottom a:hover { color: #fff; }
.footer-bottom .container { display: flex; flex-wrap: wrap; gap: 1rem; justify-content: space-between; align-items: center; font-size: .82rem; color: #8fa0b8; }
.footer-legal { display: flex; gap: 1.2rem; flex-wrap: wrap; }
.footer-legal a { color: #8fa0b8; }
.footer-legal a:hover { color: #fff; }

/* ---------- Utilities ---------- */
.mt-0 { margin-top: 0; } .mb-0 { margin-bottom: 0; }
.mt-4 { margin-top: var(--sp-4); } .mt-6 { margin-top: var(--sp-6); }
.hidden { display: none; }

/* ---------- Responsive ---------- */
@media (max-width: 1024px) {
  .footer-grid { grid-template-columns: 1fr 1fr 1fr; }
  .footer-brand { grid-column: 1 / -1; }
}
@media (max-width: 980px) {
  .nav-toggle { display: flex; margin-left: auto; }
  .nav-bar { border-top: 0; }
  .nav-bar .container { padding: 0; }
  .main-nav { position: fixed; inset: var(--header-h) 0 0 auto; width: min(360px, 90vw); background: #fff; box-shadow: var(--shadow-lg); transform: translateX(100%); transition: transform .25s ease; overflow-y: auto; padding: 1rem; }
  body.nav-open .main-nav { transform: translateX(0); }
  body.nav-open { overflow: hidden; }
  .nav-list { flex-direction: column; align-items: stretch; justify-content: flex-start; gap: 0; }
  .nav-link { width: 100%; justify-content: space-between; padding: 1rem .6rem; border-bottom: 1px solid var(--gray-100); border-radius: 0; }
  .dropdown { position: static; opacity: 1; visibility: visible; transform: none; box-shadow: none; border-top: 0; padding: 0 0 .5rem 1rem; min-width: 0; max-height: 0; overflow: hidden; transition: max-height .2s; }
  .nav-item.open .dropdown { max-height: 800px; }
  .nav-actions { display: none; }
  .nav-mobile-cta { display: flex; flex-direction: column; gap: .6rem; padding: 1rem .6rem; }
  .nav-mobile-cta .btn { width: 100%; justify-content: center; }
  .grid-3, .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .split, .split.reverse > :first-child { grid-template-columns: 1fr; order: 0; }
  .stats { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 560px) {
  body { font-size: 16px; }
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .utility-bar .container { justify-content: center; gap: 1rem; }
  .utility-bar .util-phone { margin-right: 0; }
  .hide-sm { display: none; }
}

/* reduced motion */
@media (prefers-reduced-motion: reduce) {
  * { animation: none !important; transition: none !important; scroll-behavior: auto !important; }
}