/* ============================================================
   Vande Maatrubhumi Co-operative Bank Ltd. — Ballari
   Classic institutional theme, v2
   Indigo / ochre / madder. Caslon + Source Serif + Plex Mono.
   ============================================================ */

:root{
  --indigo:      #1B2A4A;
  --indigo-deep: #111C33;
  --indigo-mid:  #2C4270;
  --ochre:       #B5762A;
  --ochre-lt:    #D89A47;
  --madder:      #8A2B22;
  --paper:       #F0EDE5;
  --paper-2:     #E4E0D4;
  --ink:         #191A18;
  --ink-soft:    #4E5054;
  --rule:        rgba(27,42,74,.20);
  --rule-strong: rgba(27,42,74,.44);

  --display: "Libre Caslon Display", Georgia, serif;
  --body:    "Source Serif 4", Georgia, "Times New Roman", serif;
  --data:    "IBM Plex Mono", "Courier New", monospace;

  --wrap: 1180px;
  --gut: 28px;
}

*,*::before,*::after{ box-sizing:border-box; }
html{ scroll-behavior:smooth; -webkit-text-size-adjust:100%; }

body{
  margin:0; background:var(--paper); color:var(--ink);
  font-family:var(--body); font-size:17px; line-height:1.68; font-weight:400;
}

img{ max-width:100%; display:block; }
a{ color:var(--indigo); text-decoration:none; }
a:hover{ color:var(--madder); }
:focus-visible{ outline:2px solid var(--ochre); outline-offset:3px; }

.wrap{ width:100%; max-width:var(--wrap); margin:0 auto; padding:0 var(--gut); }

.skip{ position:absolute; left:-9999px; top:0; background:var(--indigo); color:#fff; padding:10px 16px; z-index:200; }
.skip:focus{ left:8px; top:8px; color:#fff; }

/* ---------- Type ---------- */

h1,h2,h3,h4{ font-family:var(--display); font-weight:400; margin:0; line-height:1.24; letter-spacing:.005em; }
h2{ font-size:clamp(1.55rem,2.7vw,2.15rem); }
h3{ font-size:1.1rem; }
p{ margin:0 0 1.1em; }

.eyebrow{
  font-family:var(--data); font-size:.68rem; letter-spacing:.26em;
  text-transform:uppercase; color:var(--ochre); margin:0 0 .9rem; display:block;
}
.lede{ font-size:1.1rem; color:var(--ink-soft); }

/* ---------- Ornament: lozenge chain rule (one motif, used sparingly) ---------- */

.motif{
  height:9px; width:100%; background-repeat:repeat-x; background-position:center;
  background-size:auto 9px; opacity:.9;
  background-image:url("data:image/svg+xml;utf8,\
<svg xmlns='http://www.w3.org/2000/svg' width='24' height='9' viewBox='0 0 24 9'>\
<g fill='none' stroke='%23B5762A' stroke-width='.9'>\
<path d='M0 4.5h5M19 4.5h5'/><path d='M12 1 L15 4.5 L12 8 L9 4.5 Z'/>\
</g></svg>");
}
.motif--dark{
  background-image:url("data:image/svg+xml;utf8,\
<svg xmlns='http://www.w3.org/2000/svg' width='24' height='9' viewBox='0 0 24 9'>\
<g fill='none' stroke='%23D89A47' stroke-width='.9'>\
<path d='M0 4.5h5M19 4.5h5'/><path d='M12 1 L15 4.5 L12 8 L9 4.5 Z'/>\
</g></svg>");
}

/* ---------- Utility bar ---------- */

.utility{
  background:var(--indigo-deep); color:rgba(255,255,255,.76);
  font-family:var(--data); font-size:.7rem; letter-spacing:.1em; text-transform:uppercase;
}
.utility .wrap{ display:flex; justify-content:space-between; align-items:center; gap:20px; min-height:38px; flex-wrap:wrap; }
.utility a{ color:rgba(255,255,255,.84); }
.utility a:hover{ color:var(--ochre-lt); }
.utility-left span + span,
.utility-right a + a{ margin-left:18px; padding-left:18px; border-left:1px solid rgba(255,255,255,.2); }

/* ---------- Masthead ---------- */

.masthead{ background:var(--indigo); color:#fff; }
.masthead .wrap{ display:flex; align-items:center; justify-content:space-between; gap:24px; padding:18px var(--gut); }
.brand{ display:flex; align-items:center; gap:16px; color:#fff; }
.brand:hover{ color:#fff; }
.seal{ width:60px; height:60px; flex:none; }
.brand-name{
  font-family:var(--display); font-size:1.24rem; letter-spacing:.05em;
  text-transform:uppercase; line-height:1.24; display:block;
}
.brand-sub{
  font-family:var(--data); font-size:.62rem; letter-spacing:.22em;
  text-transform:uppercase; color:var(--ochre-lt); margin-top:6px; display:block;
}
.masthead-meta{ text-align:right; font-family:var(--data); font-size:.68rem; letter-spacing:.14em; text-transform:uppercase; color:rgba(255,255,255,.58); }
.masthead-meta strong{ display:block; color:var(--ochre-lt); font-size:.92rem; letter-spacing:.06em; }

/* ---------- Nav ---------- */

.nav{ background:var(--indigo-deep); position:sticky; top:0; z-index:100; }
.nav .wrap{ display:flex; align-items:center; justify-content:space-between; }
.nav-list{ list-style:none; margin:0; padding:0; display:flex; flex-wrap:wrap; }
.nav-list > li{ position:relative; }
.nav-list > li > a{
  display:block; padding:14px 17px; color:rgba(255,255,255,.85);
  font-family:var(--data); font-size:.71rem; letter-spacing:.16em; text-transform:uppercase;
  border-bottom:2px solid transparent;
}
.nav-list > li > a:hover,
.nav-list > li > a:focus-visible,
.nav-list > li.is-open > a{ color:#fff; border-bottom-color:var(--ochre); }
.nav-list > li > a[aria-current="page"]{ color:var(--ochre-lt); border-bottom-color:var(--ochre); }
.has-sub > a::after{ content:"\25BE"; margin-left:7px; font-size:.85em; opacity:.7; }

.subnav{
  list-style:none; margin:0; padding:6px 0; position:absolute; left:0; top:100%; min-width:250px;
  background:#fff; border:1px solid var(--rule); border-top:2px solid var(--ochre);
  box-shadow:0 14px 30px rgba(17,28,51,.2); display:none; z-index:110;
}
.nav-list > li.is-open .subnav{ display:block; }
.subnav a{ display:block; padding:9px 18px; font-size:.93rem; color:var(--ink); border-bottom:1px solid rgba(27,42,74,.08); }
.subnav li:last-child a{ border-bottom:0; }
.subnav a:hover{ background:var(--paper-2); color:var(--indigo); }

.nav-toggle{
  display:none; background:none; border:1px solid rgba(255,255,255,.3); color:#fff;
  font-family:var(--data); font-size:.71rem; letter-spacing:.16em; text-transform:uppercase;
  padding:9px 14px; margin:9px 0; cursor:pointer;
}

/* ---------- Buttons ---------- */

.btn{
  display:inline-block; font-family:var(--data); font-size:.72rem; letter-spacing:.18em; text-transform:uppercase;
  padding:14px 26px; border:1px solid var(--indigo); background:var(--indigo); color:#fff;
  transition:background .18s ease, color .18s ease, border-color .18s ease; cursor:pointer;
}
.btn:hover{ background:var(--indigo-deep); border-color:var(--indigo-deep); color:#fff; }
.btn--ghost{ background:transparent; color:var(--indigo); }
.btn--ghost:hover{ background:var(--indigo); color:#fff; }
.btn--ochre{ background:var(--ochre); border-color:var(--ochre); color:#fff; }
.btn--ochre:hover{ background:var(--ochre-lt); border-color:var(--ochre-lt); color:var(--indigo-deep); }
.btn--onDark{ background:transparent; border-color:rgba(255,255,255,.5); color:#fff; }
.btn--onDark:hover{ background:#fff; color:var(--indigo-deep); border-color:#fff; }

/* ============================================================
   HERO — the passbook (signature element)
   ============================================================ */

.hero{ background:var(--indigo); color:#fff; padding:60px 0 66px; }
.hero-grid{ display:grid; grid-template-columns:1fr 1.05fr; gap:56px; align-items:center; }
.hero h1{ font-size:clamp(1.85rem,4vw,2.9rem); color:#fff; margin:0 0 20px; }
.hero h1 em{ font-style:normal; color:var(--ochre-lt); }
.hero p{ color:rgba(255,255,255,.8); font-size:1.06rem; max-width:38ch; }
.hero .eyebrow{ color:var(--ochre-lt); }
.hero-actions{ display:flex; gap:14px; flex-wrap:wrap; margin-top:28px; }

.passbook{ background:#fff; box-shadow:0 22px 50px rgba(9,16,30,.4); position:relative; }
.passbook::before{
  content:""; position:absolute; left:0; top:0; bottom:0; width:12px;
  background:var(--madder);
}
.pb-page{ padding:22px 24px 24px 32px; position:relative; }
.pb-head{
  display:flex; justify-content:space-between; align-items:baseline; gap:12px; flex-wrap:wrap;
  border-bottom:2px solid var(--indigo); padding-bottom:10px;
}
.pb-bank{ font-family:var(--display); font-size:.86rem; letter-spacing:.06em; text-transform:uppercase; color:var(--indigo); }
.pb-kind{ font-family:var(--data); font-size:.58rem; letter-spacing:.24em; text-transform:uppercase; color:var(--ink-soft); }
.pb-meta{
  font-family:var(--data); font-size:.62rem; letter-spacing:.1em; color:var(--ink-soft);
  padding:9px 0; border-bottom:1px solid var(--rule); display:flex; justify-content:space-between; gap:10px; flex-wrap:wrap;
}
table.pb-table{ width:100%; border-collapse:collapse; margin-top:2px; }
table.pb-table th{
  font-family:var(--data); font-size:.55rem; letter-spacing:.16em; text-transform:uppercase;
  color:var(--ink-soft); font-weight:500; text-align:right; padding:8px 6px; border-bottom:1px solid var(--rule);
}
table.pb-table th:first-child, table.pb-table th:nth-child(2){ text-align:left; }
table.pb-table td{
  font-family:var(--data); font-size:.72rem; padding:9px 6px; text-align:right;
  border-bottom:1px solid rgba(27,42,74,.13); color:var(--ink); white-space:nowrap;
}
table.pb-table td:nth-child(2){ text-align:left; white-space:normal; }
table.pb-table td:first-child{ text-align:left; color:var(--ink-soft); }
table.pb-table td.bal{ color:var(--indigo); font-weight:600; }
table.pb-table td.cr{ color:#1E6B3A; }
table.pb-table td.dr{ color:var(--madder); }
.pb-stamp{
  position:absolute; right:26px; bottom:16px; transform:rotate(-11deg);
  border:2px solid var(--madder); color:var(--madder); opacity:.72;
  font-family:var(--data); font-size:.56rem; letter-spacing:.22em; text-transform:uppercase;
  padding:6px 12px; line-height:1.4; text-align:center; pointer-events:none;
}
.pb-caption{
  font-family:var(--data); font-size:.62rem; letter-spacing:.14em; text-transform:uppercase;
  color:rgba(255,255,255,.5); margin-top:16px; text-align:center;
}

/* ---------- Ledger strip ---------- */

.ledger{ background:var(--paper-2); border-bottom:1px solid var(--rule); }
.ledger-head{ font-family:var(--data); font-size:.65rem; letter-spacing:.26em; text-transform:uppercase; color:var(--ink-soft); padding:16px 0 0; text-align:center; }
.ledger-row{ display:grid; grid-template-columns:repeat(4,1fr); border-top:1px solid var(--rule-strong); border-bottom:1px solid var(--rule-strong); margin-top:12px; }
.ledger-cell{ padding:22px 16px; text-align:center; border-left:1px solid var(--rule); }
.ledger-cell:first-child{ border-left:0; }
.ledger-num{ font-family:var(--data); font-size:clamp(1.45rem,3.3vw,2.15rem); font-weight:600; color:var(--indigo); display:block; line-height:1.1; }
.ledger-label{ font-family:var(--data); font-size:.64rem; letter-spacing:.2em; text-transform:uppercase; color:var(--ink-soft); margin-top:8px; display:block; }
.ledger-foot{ font-family:var(--data); font-size:.62rem; letter-spacing:.12em; color:var(--ink-soft); text-align:center; padding:10px 0 16px; }

/* ---------- Sections ---------- */

.section{ padding:74px 0; }
.section--tint{ background:var(--paper-2); }
.section--dark{ background:var(--indigo); color:rgba(255,255,255,.84); }
.section--dark h2, .section--dark h3{ color:#fff; }
.section--dark .eyebrow{ color:var(--ochre-lt); }

.section-head{ max-width:640px; margin-bottom:38px; }
.section-head--center{ margin-left:auto; margin-right:auto; text-align:center; }
.section-head h2{ margin-bottom:12px; }
.hr{ height:1px; background:var(--rule-strong); border:0; margin:18px 0 0; max-width:120px; }
.section-head--center .hr{ margin-left:auto; margin-right:auto; }

/* ---------- About ---------- */

.about-grid{ display:grid; grid-template-columns:1.35fr 1fr; gap:56px; align-items:start; }
.plaque{ background:#fff; border:1px solid var(--rule); border-top:3px solid var(--ochre); padding:30px 28px; }
.plaque dl{ margin:0; }
.plaque dt{ font-family:var(--data); font-size:.62rem; letter-spacing:.2em; text-transform:uppercase; color:var(--ink-soft); margin-top:18px; }
.plaque dt:first-child{ margin-top:0; }
.plaque dd{ margin:4px 0 0; font-size:1rem; padding-bottom:14px; border-bottom:1px solid rgba(27,42,74,.1); }
.plaque dd:last-of-type{ border-bottom:0; }

/* ---------- Rate schedule ---------- */

.schedule{ background:#fff; border:1px solid var(--rule-strong); }
.schedule-caption{ padding:20px 24px; border-bottom:1px solid var(--rule-strong); display:flex; justify-content:space-between; align-items:baseline; gap:16px; flex-wrap:wrap; }
.schedule-caption h3{ font-size:1.05rem; letter-spacing:.08em; text-transform:uppercase; }
.schedule-caption span{ font-family:var(--data); font-size:.65rem; letter-spacing:.14em; color:var(--ink-soft); text-transform:uppercase; }
.rate-cols{ display:grid; grid-template-columns:1fr 1fr; }
.rate-col{ border-left:1px solid var(--rule); }
.rate-col:first-child{ border-left:0; }
.rate-col h4{
  font-family:var(--data); font-size:.66rem; letter-spacing:.22em; text-transform:uppercase; font-weight:600;
  padding:14px 24px; background:var(--paper-2); color:var(--indigo); border-bottom:1px solid var(--rule);
}
table.rates{ width:100%; border-collapse:collapse; }
table.rates th, table.rates td{ text-align:left; padding:11px 24px; border-bottom:1px solid rgba(27,42,74,.1); font-size:.95rem; }
table.rates th{ font-family:var(--body); font-weight:400; color:var(--ink); }
table.rates td{ font-family:var(--data); font-size:.9rem; text-align:right; color:var(--indigo); font-weight:600; white-space:nowrap; }
table.rates tbody tr:nth-child(odd){ background:rgba(27,42,74,.025); }
table.rates tr:last-child th, table.rates tr:last-child td{ border-bottom:0; }
.schedule-note{ padding:14px 24px; border-top:1px solid var(--rule-strong); font-family:var(--data); font-size:.67rem; letter-spacing:.05em; color:var(--ink-soft); }

/* ---------- Services: typographic list, not a card grid ---------- */

.svc{ list-style:none; margin:0; padding:0; border-top:1px solid var(--rule-strong); }
.svc li{ border-bottom:1px solid var(--rule); }
.svc-row{ display:grid; grid-template-columns:38px 260px 1fr; gap:24px; align-items:baseline; padding:20px 4px; }
.svc-no{ font-family:var(--data); font-size:.66rem; letter-spacing:.12em; color:var(--ochre); }
.svc-name{ font-family:var(--display); font-size:1.12rem; color:var(--indigo); }
.svc-desc{ margin:0; color:var(--ink-soft); font-size:.98rem; }

/* ---------- Cards (used on inner pages) ---------- */

.grid{ display:grid; gap:0; }
.grid-3{ grid-template-columns:repeat(3,1fr); }
.grid-2{ grid-template-columns:repeat(2,1fr); gap:28px; }
.card{ background:#fff; border:1px solid var(--rule); margin:-1px 0 0 -1px; padding:30px 28px; }
.grid-2 .card{ margin:0; }
.card h3{ margin:0 0 10px; }
.card p{ margin:0; color:var(--ink-soft); font-size:.97rem; }
.card-mark{ font-family:var(--data); font-size:.63rem; letter-spacing:.2em; text-transform:uppercase; color:var(--ochre); display:block; margin-bottom:12px; }

/* ---------- Notices ---------- */

.notices{ list-style:none; margin:0; padding:0; border-top:1px solid var(--rule-strong); }
.notices li{ border-bottom:1px solid var(--rule); }
.notices a{ display:grid; grid-template-columns:150px 1fr auto; gap:22px; align-items:baseline; padding:18px 4px; color:var(--ink); }
.notices a:hover{ background:#fff; color:var(--indigo); }
.notice-date{ font-family:var(--data); font-size:.69rem; letter-spacing:.14em; text-transform:uppercase; color:var(--ochre); }
.notice-title{ font-size:1.02rem; }
.notice-tag{ font-family:var(--data); font-size:.61rem; letter-spacing:.16em; text-transform:uppercase; color:var(--ink-soft); border:1px solid var(--rule); padding:3px 9px; }

/* ---------- Downloads ---------- */

.downloads{ display:grid; grid-template-columns:repeat(4,1fr); gap:20px; }
.dl{ background:#fff; border:1px solid var(--rule); padding:24px 22px; display:flex; flex-direction:column; gap:6px; }
.dl-year{ font-family:var(--display); font-size:1.45rem; color:var(--indigo); }
.dl-lang{ font-family:var(--data); font-size:.64rem; letter-spacing:.18em; text-transform:uppercase; color:var(--ink-soft); }
.dl a{ margin-top:12px; font-family:var(--data); font-size:.67rem; letter-spacing:.16em; text-transform:uppercase; color:var(--madder); }
.dl a:hover{ color:var(--indigo); }

/* ---------- App band ---------- */

.app-grid{ display:grid; grid-template-columns:1fr 1fr; gap:60px; align-items:center; }
.app-list{ list-style:none; margin:0 0 28px; padding:0; }
.app-list li{ padding:12px 0 12px 28px; border-bottom:1px solid rgba(255,255,255,.13); position:relative; }
.app-list li::before{ content:"\25C6"; position:absolute; left:0; top:13px; color:var(--ochre); font-size:.66rem; }
.phone{ border:1px solid rgba(216,154,71,.4); padding:10px; max-width:300px; margin:0 auto; }
.phone-screen{ background:var(--indigo-deep); border:1px solid rgba(216,154,71,.25); padding:26px 22px; text-align:center; }
.phone-screen .bal{ font-family:var(--data); font-size:2rem; color:var(--ochre-lt); display:block; margin:8px 0 4px; }
.phone-screen small{ font-family:var(--data); font-size:.58rem; letter-spacing:.2em; text-transform:uppercase; color:rgba(255,255,255,.5); }
.phone-rows{ margin-top:22px; text-align:left; }
.phone-rows div{ display:flex; justify-content:space-between; font-family:var(--data); font-size:.7rem; padding:9px 0; border-bottom:1px solid rgba(255,255,255,.1); color:rgba(255,255,255,.72); }

/* ---------- Branch table ---------- */

.branch-table{ width:100%; border-collapse:collapse; background:#fff; border:1px solid var(--rule-strong); }
.branch-table th, .branch-table td{ padding:13px 18px; text-align:left; border-bottom:1px solid rgba(27,42,74,.1); font-size:.95rem; }
.branch-table thead th{ font-family:var(--data); font-size:.64rem; letter-spacing:.2em; text-transform:uppercase; background:var(--paper-2); color:var(--indigo); border-bottom:1px solid var(--rule-strong); }
.branch-table td.code{ font-family:var(--data); font-size:.84rem; color:var(--indigo); }
.branch-table tbody tr:hover{ background:var(--paper-2); }

/* ---------- Forms ---------- */

.form-grid{ display:grid; grid-template-columns:1fr 1fr; gap:20px; }
.field{ display:flex; flex-direction:column; gap:7px; }
.field--full{ grid-column:1 / -1; }
.field label{ font-family:var(--data); font-size:.64rem; letter-spacing:.18em; text-transform:uppercase; color:var(--ink-soft); }
.field input, .field select, .field textarea{
  font-family:var(--body); font-size:1rem; padding:12px 14px;
  border:1px solid var(--rule-strong); background:#fff; color:var(--ink); border-radius:0;
}
.field textarea{ min-height:130px; resize:vertical; }
.field input:focus, .field select:focus, .field textarea:focus{ outline:2px solid var(--ochre); outline-offset:0; border-color:var(--ochre); }
.form-note{ font-family:var(--data); font-size:.65rem; letter-spacing:.08em; color:var(--ink-soft); margin-top:14px; }

/* ---------- Footer ---------- */

.footer{ background:var(--indigo-deep); color:rgba(255,255,255,.72); padding:60px 0 0; font-size:.95rem; }
.footer h4{ font-family:var(--data); font-size:.66rem; letter-spacing:.22em; text-transform:uppercase; color:var(--ochre-lt); margin:0 0 18px; font-weight:600; }
.footer a{ color:rgba(255,255,255,.72); }
.footer a:hover{ color:var(--ochre-lt); }
.footer-grid{ display:grid; grid-template-columns:1.6fr 1fr 1fr 1.1fr; gap:44px; padding-bottom:48px; }
.footer-list{ list-style:none; margin:0; padding:0; }
.footer-list li{ margin-bottom:10px; }
.footer .brand-name{ font-size:1rem; color:#fff; }
.footer-seal{ width:54px; height:54px; margin-bottom:16px; }
.footer-bottom{
  border-top:1px solid rgba(255,255,255,.14); padding:20px 0; display:flex; justify-content:space-between;
  gap:18px; flex-wrap:wrap; font-family:var(--data); font-size:.64rem; letter-spacing:.12em;
  text-transform:uppercase; color:rgba(255,255,255,.5);
}

/* ---------- Inner page banner ---------- */

.banner{ background:var(--indigo); color:#fff; padding:54px 0; text-align:center; }
.banner h1{ font-size:clamp(1.65rem,3.5vw,2.5rem); color:#fff; margin:0 0 10px; }
.banner p{ color:rgba(255,255,255,.76); max-width:600px; margin:0 auto; }
.crumbs{ font-family:var(--data); font-size:.64rem; letter-spacing:.18em; text-transform:uppercase; color:var(--ochre-lt); margin-bottom:14px; }
.crumbs a{ color:rgba(255,255,255,.7); }

/* ---------- Motion ---------- */

.reveal{ opacity:0; transform:translateY(14px); transition:opacity .6s ease, transform .6s ease; }
.reveal.is-in{ opacity:1; transform:none; }

@media (prefers-reduced-motion:reduce){
  html{ scroll-behavior:auto; }
  .reveal{ opacity:1; transform:none; transition:none; }
  *{ animation-duration:.001ms !important; transition-duration:.001ms !important; }
}

/* ---------- Responsive ---------- */

@media (max-width:1000px){
  .hero-grid, .about-grid, .app-grid{ grid-template-columns:1fr; gap:40px; }
  .hero p{ max-width:none; }
  .downloads{ grid-template-columns:repeat(2,1fr); }
  .footer-grid{ grid-template-columns:1fr 1fr; gap:34px; }
  .svc-row{ grid-template-columns:34px 210px 1fr; gap:18px; }
}

@media (max-width:860px){
  .nav-toggle{ display:block; }
  .nav .wrap{ flex-direction:column; align-items:stretch; }
  .nav-list{ display:none; flex-direction:column; padding-bottom:10px; border-top:1px solid rgba(255,255,255,.14); }
  .nav-list.is-open{ display:flex; }
  .nav-list > li > a{ border-bottom:1px solid rgba(255,255,255,.08); padding:13px 2px; }
  .subnav{ position:static; display:none; border:0; box-shadow:none; background:rgba(255,255,255,.06); }
  .nav-list > li.is-open .subnav{ display:block; }
  .subnav a{ color:rgba(255,255,255,.8); border-bottom:0; padding:10px 18px; font-size:.88rem; }
  .subnav a:hover{ background:rgba(255,255,255,.08); color:#fff; }

  .masthead .wrap{ flex-direction:column; text-align:center; }
  .masthead-meta{ text-align:center; }
  .brand{ flex-direction:column; text-align:center; gap:12px; }

  .ledger-row{ grid-template-columns:repeat(2,1fr); }
  .ledger-cell:nth-child(3){ border-left:0; }
  .ledger-cell:nth-child(-n+2){ border-bottom:1px solid var(--rule); }

  .rate-cols{ grid-template-columns:1fr; }
  .rate-col{ border-left:0; border-top:1px solid var(--rule); }
  .rate-col:first-child{ border-top:0; }

  .grid-3, .grid-2{ grid-template-columns:1fr; }
  .grid-2{ gap:0; }
  .grid-2 .card{ margin:-1px 0 0 0; }
  .notices a{ grid-template-columns:1fr; gap:6px; padding:16px 4px; }
  .notice-tag{ justify-self:start; }
  .form-grid{ grid-template-columns:1fr; }
  .section{ padding:56px 0; }
  .utility .wrap{ justify-content:center; text-align:center; }

  .svc-row{ grid-template-columns:30px 1fr; gap:14px; }
  .svc-desc{ grid-column:2; margin-top:4px; }
}

@media (max-width:560px){
  :root{ --gut:20px; }
  .downloads, .footer-grid{ grid-template-columns:1fr; }
  .utility-left{ display:none; }
  .pb-page{ padding:18px 16px 20px 24px; }
  table.pb-table th:nth-child(3), table.pb-table td:nth-child(3){ display:none; }
  table.pb-table td{ font-size:.66rem; padding:8px 4px; }
  .pb-stamp{ right:12px; bottom:10px; font-size:.5rem; padding:5px 9px; }
  .branch-table thead{ display:none; }
  .branch-table tr{ display:block; border-bottom:1px solid var(--rule-strong); }
  .branch-table td{ display:flex; justify-content:space-between; gap:14px; border-bottom:1px solid rgba(27,42,74,.08); }
  .branch-table td::before{ content:attr(data-label); font-family:var(--data); font-size:.6rem; letter-spacing:.16em; text-transform:uppercase; color:var(--ink-soft); }
}

@media print{
  .nav, .utility, .hero-actions, .btn{ display:none; }
  body{ background:#fff; }
}