/* ssfcu.co.com — visual mirror of ssfcu.org (navy #1f3d7c + orange #f89012).
   Structure-from-original: utility bar → two tabs → dark nav → fraud bar →
   3-col navy hero (sign-in panel / promo / rates) → feature row → about → 4-col footer. */

:root{
  --navy:#1f3d7c; --navy-d:#16305f; --orange:#f89012; --orange-d:#e07d05;
  --blue:#325bb2; --gray-nav:#4a4a4a; --gray-tab:#565656;
  --text:#333; --muted:#5a6472; --line:#dfe3e8; --bg:#fff; --soft:#f4f6f9;
  --red:#c8102e;
  --wrap:1200px;
  --font:"Segoe UI",Arial,Helvetica,sans-serif;
  --display:"Trebuchet MS","Segoe UI",Arial,sans-serif;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font-family:var(--font);color:var(--text);background:var(--bg);line-height:1.55;font-size:16px}
img{max-width:100%;height:auto;display:block}
a{color:var(--blue);text-decoration:none}
a:hover{text-decoration:underline}
h1,h2,h3,h4{font-family:var(--display);color:var(--navy);line-height:1.2;margin:0 0 .5em}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px}
.skip:focus{left:8px;top:8px;background:#fff;padding:8px;z-index:100}

/* ---------- top hairline ---------- */
.top-rule{height:4px;background:var(--navy)}

/* ---------- utility bar ---------- */
.util{background:#fff;padding:16px 0 10px}
.util-inner{display:flex;align-items:center;justify-content:space-between;gap:20px;flex-wrap:wrap}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none}
.brand-glyph{width:44px;height:30px;flex:0 0 auto}
.brand-word{font-family:var(--display);font-style:italic;font-weight:800;color:var(--navy);line-height:1}
.brand-word b{display:block;font-size:20px;letter-spacing:.02em}
.brand-word span{display:block;font-style:normal;font-weight:700;font-size:9px;letter-spacing:.22em;color:var(--navy)}
.util-right{display:flex;flex-direction:column;align-items:flex-end;gap:8px}
.util-routing{font-size:13px;color:#444}
.util-routing b{color:var(--navy)}
.util-search{display:flex;border:1px solid #cbd2db;border-radius:2px;overflow:hidden}
.util-search input{border:0;padding:7px 10px;font-size:13px;width:220px;outline:none}
.util-search button{border:0;background:#fff;padding:0 10px;cursor:pointer;color:var(--navy)}
.util-links{display:flex;gap:0;font-size:13px;flex-wrap:wrap}
.util-links a{padding:0 10px;border-left:1px solid #d0d0d0}
.util-links a:first-child{border-left:0}

/* ---------- two tabs ---------- */
.tabs{display:flex;max-width:var(--wrap);margin:0 auto;padding:0 20px;gap:0}
.tab{flex:1;text-align:center;padding:12px;color:#fff;font-weight:600;font-size:15px}
.tab.products{background:var(--gray-tab)}
.tab.banking{background:var(--blue)}
.tab.banking a{color:#fff}

/* ---------- main nav ---------- */
.nav{background:var(--gray-nav)}
.nav-inner{display:flex;align-items:center;flex-wrap:wrap}
.nav a{color:#fff;font-size:14px;font-weight:600;padding:14px 15px;display:inline-block}
.nav a:hover{background:rgba(255,255,255,.12);text-decoration:none}
.nav .login-item{margin-left:auto;font-weight:700}

/* ---------- fraud alert bar ---------- */
.fraud{background:#fbf4f4;border-top:1px solid #eadcdc;border-bottom:1px solid #eadcdc;font-size:12.5px;color:#555;padding:8px 0}
.fraud b{color:var(--red)}

/* ---------- breadcrumbs ---------- */
.breadcrumbs{background:var(--soft);font-size:13px;color:#667;padding:9px 0;border-bottom:1px solid var(--line)}
.breadcrumbs a{color:var(--blue)}

/* ---------- HERO (3-col navy band) ---------- */
.hero{background:var(--navy);color:#fff}
.hero-inner{display:grid;grid-template-columns:290px 1fr 250px;gap:0;min-height:250px}
.hero-col{padding:22px}
/* sign-in panel (mirror of login box — NO credential form) */
.signin{background:#fff;border-radius:3px;overflow:hidden;color:var(--text);margin:18px 0}
.signin-head{background:var(--orange);color:#fff;font-weight:700;font-size:14px;padding:8px 12px}
.signin-body{padding:14px 14px 16px}
.signin-body p{margin:.1em 0 .8em;font-size:13px;color:var(--muted)}
.signin-cta{display:block;text-align:center;background:var(--orange);color:#fff;font-weight:700;padding:10px;border-radius:3px}
.signin-cta:hover{background:var(--orange-d);text-decoration:none}
.signin-links{font-size:12px;margin-top:10px;color:var(--muted)}
.signin-links a{color:var(--blue)}
/* center promo */
.promo{display:flex;flex-direction:column;justify-content:center;text-align:center;padding:30px 20px}
.promo .eyebrow{font-size:26px;font-weight:700;letter-spacing:.01em}
.promo .big{font-size:74px;font-weight:800;line-height:.95;margin:.05em 0}
.promo .big sup{font-size:.35em;vertical-align:top}
.promo-cta{display:inline-block;align-self:center;background:var(--orange);color:#fff;font-weight:700;padding:12px 34px;border-radius:3px;margin-top:14px}
.promo-cta:hover{background:var(--orange-d);text-decoration:none}
/* rates box */
.rates{background:#fff;border-radius:3px;color:var(--text);margin:18px 0;overflow:hidden}
.rates-head{font-weight:700;color:var(--navy);padding:9px 12px;border-bottom:1px solid var(--line);font-size:14px}
.rates-sub{background:#eef1f5;font-size:11px;font-weight:700;color:#667;text-align:center;padding:3px}
.rate-row{display:flex;justify-content:space-between;align-items:center;padding:8px 12px;border-bottom:1px solid #eef1f5;font-size:13px}
.rate-row .lbl{color:#444}.rate-row .lbl small{display:block;color:#8a93a0;font-size:10px}
.rate-row .val{color:var(--orange);font-weight:800}
.rates-cta{display:block;text-align:center;background:var(--blue);color:#fff;font-weight:600;padding:8px;margin:10px;border-radius:3px;font-size:13px}
.rates-cta:hover{text-decoration:none;background:#264a91}

/* ---------- feature row (3 cards + sidebar) ---------- */
.feature{padding:34px 0}
.feature-grid{display:grid;grid-template-columns:1fr 1fr 1fr 220px;gap:24px}
.fcard-img{border-radius:2px;overflow:hidden;aspect-ratio:16/10;background:var(--soft)}
.fcard h3{font-size:16px;color:var(--blue);text-align:center;margin:14px 0 6px}
.fcard p{font-size:13.5px;color:#555;margin:.2em 0 .8em}
.fcard .more{font-size:13px;color:var(--blue);border-left:3px solid var(--orange);padding-left:8px}
.quicklinks{border-left:1px solid var(--line);padding-left:0}
.quicklinks a{display:block;font-weight:700;color:var(--navy);font-size:14px;padding:12px 4px;border-bottom:1px solid var(--line)}
.quicklinks a:hover{color:var(--orange);text-decoration:none}

/* ---------- section + content ---------- */
.section{padding:34px 0;border-top:1px solid var(--line)}
.section h2{font-size:23px}
.lead-def{font-size:17px;color:#3a4250;max-width:74ch}
.section-body{max-width:76ch;color:#454c58}
.callout{background:var(--soft);border-left:4px solid var(--orange);padding:16px 18px;border-radius:2px;margin:18px 0}
ol.geo,ul.plain{max-width:74ch;color:#454c58}
.factgrid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin:22px 0}
.fact{background:var(--navy);color:#fff;border-radius:3px;padding:16px;text-align:center}
.fact .v{font-size:26px;font-weight:800;color:#fff}
.fact .k{font-size:12px;color:#c9d4e8;margin-top:3px}
.faq-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-top:16px}
.faq-grid dt{font-weight:700;color:var(--navy);margin-bottom:4px}
.faq-grid dd{margin:0 0 6px;color:#4b5462;font-size:14.5px}

/* ---------- footer ---------- */
.foot-rule{height:3px;background:var(--navy);margin-top:40px}
.foot{padding:30px 0 10px;font-size:13.5px}
.foot-grid{display:grid;grid-template-columns:repeat(4,1fr) 220px;gap:24px}
.foot h4{font-size:14px;letter-spacing:.02em;color:var(--navy);margin-bottom:10px}
.foot ul{list-style:none;margin:0;padding:0}
.foot li{margin:5px 0}
.foot a{color:#4b5462}
.foot-connect .soc{display:flex;gap:10px;margin:8px 0 14px}
.foot-connect .soc a{width:30px;height:30px;display:grid;place-items:center;background:var(--navy);color:#fff;border-radius:50%}
.foot-hq{font-size:12.5px;color:#556}
.foot-strip{background:var(--blue);color:#fff;font-size:13px}
.foot-strip .wrap{display:flex;gap:0;flex-wrap:wrap;padding:10px 20px;justify-content:center}
.foot-strip a{color:#fff;padding:0 10px;border-left:1px solid rgba(255,255,255,.4)}
.foot-strip a:first-child{border-left:0}
.foot-legal{background:var(--soft);font-size:11.5px;color:#778;padding:12px 0}
.foot-legal .wrap{display:flex;align-items:center;gap:16px;flex-wrap:wrap;justify-content:space-between}
.ncua{font-weight:700;color:#556;border:1px solid #ccc;padding:2px 6px;font-size:10px}
.disclaimer{max-width:var(--wrap);margin:0 auto;padding:10px 20px;font-size:11px;color:#8a93a0;text-align:center}

/* ---------- responsive ---------- */
@media(max-width:1000px){
  .hero-inner{grid-template-columns:1fr}
  .promo{order:-1;padding:26px 16px}
  .promo .big{font-size:56px}
  .feature-grid{grid-template-columns:1fr 1fr}
  .quicklinks{grid-column:1/-1;border-left:0}
  .quicklinks a{display:inline-block;border:1px solid var(--line);margin:4px;border-radius:3px;padding:8px 12px}
  .foot-grid{grid-template-columns:1fr 1fr}
  .factgrid{grid-template-columns:1fr 1fr}
  .faq-grid{grid-template-columns:1fr}
}
@media(max-width:560px){
  .feature-grid{grid-template-columns:1fr}
  .util-right{align-items:flex-start}
  .util-inner{justify-content:flex-start}
  .promo .big{font-size:46px}
  .foot-grid{grid-template-columns:1fr}
}