/* ============================================================
   HORIZON — community bank tokens
   ============================================================ */
:root{
  --navy:       #0E2A43;
  --navy-2:     #163A5C;
  --navy-line:  #234A6E;
  --white:      #FFFFFF;
  --paper:      #F7F5EF;
  --ink:        #1B2430;
  --ink-soft:   #55606B;
  --ink-faint:  #8D96A0;
  --line:       #E4E1D8;
  --maroon:     #7A2331;
  --maroon-light:#93313F;
  --gold:       #B08A3E;

  --font-display: 'Source Serif 4', Georgia, serif;
  --font-body: 'Inter', Arial, Helvetica, sans-serif;
  --font-mono: 'IBM Plex Mono', 'Courier New', monospace;
}

*,*::before,*::after{ box-sizing:border-box; }
body{
  margin:0;
  background:var(--white);
  color:var(--ink);
  font-family:var(--font-body);
  font-size:16px;
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
}
img,svg{ display:block; max-width:100%; }
a{ color:inherit; text-decoration:none; }
ul{ margin:0; padding:0; list-style:none; }
button{ font-family:inherit; cursor:pointer; background:none; border:none; }

h1,h2,h3{
  font-family:var(--font-display);
  margin:0;
  font-weight:600;
  color:var(--ink);
}

.eyebrow{
  font-family:var(--font-mono);
  text-transform:uppercase;
  letter-spacing:0.14em;
  font-size:0.72rem;
  color:var(--maroon);
}
.eyebrow.on-navy{ color:var(--gold); }

a:focus-visible, button:focus-visible{
  outline:2px solid var(--maroon);
  outline-offset:3px;
}

.container{
  max-width:1080px;
  margin:0 auto;
  padding:0 32px;
}
@media(max-width:640px){ .container{ padding:0 22px; } }

/* ============================================================
   UTILITY BAR
   ============================================================ */
.utility-bar{
  background:var(--navy-2);
  border-bottom:1px solid var(--navy-line);
}
.utility-row{
  max-width:1080px;
  margin:0 auto;
  padding:8px 32px;
  display:flex;
  justify-content:flex-end;
  gap:22px;
  font-family:var(--font-body);
  font-size:0.78rem;
  color:#AEBBC5;
}
@media(max-width:640px){ .utility-row{ padding:8px 22px; justify-content:center; } }
.utility-row a:hover{ color:var(--white); }

/* ============================================================
   HEADER / NAV
   ============================================================ */
.site-header{
  background:var(--navy);
  border-bottom:1px solid var(--navy-line);
}
.nav{
  max-width:1080px;
  margin:0 auto;
  display:flex;
  align-items:center;
  justify-content:space-between;
  padding:18px 32px;
}
@media(max-width:640px){ .nav{ padding:16px 22px; } }
.wordmark{
  font-family:var(--font-display);
  font-size:1.3rem;
  color:var(--white);
}
.nav-links{
  display:none;
  align-items:center;
  gap:30px;
}
@media(min-width:820px){ .nav-links{ display:flex; } }
.nav-links a{
  font-family:var(--font-body);
  font-size:0.92rem;
  color:#C7D1D9;
}
.nav-links a:hover{ color:var(--white); }
.nav-right{ display:flex; align-items:center; gap:20px; }

.menu-toggle{
  display:inline-flex;
  color:var(--white);
  border:1px solid var(--navy-line);
  padding:9px 11px;
}
@media(min-width:820px){ .menu-toggle{ display:none; } }
.mobile-links{
  display:none;
  flex-direction:column;
  padding:8px 22px 20px;
  gap:16px;
  background:var(--navy);
  border-top:1px solid var(--navy-line);
}
.mobile-links.open{ display:flex; }
.mobile-links a{ color:#C7D1D9; font-size:0.95rem; }
@media(min-width:820px){ .mobile-links{ display:none !important; } }

.btn{
  font-family:var(--font-body);
  font-weight:600;
  font-size:0.88rem;
  padding:11px 22px;
  display:inline-flex;
  align-items:center;
  border:1.5px solid transparent;
  border-radius:2px;
  transition:background .18s ease, color .18s ease, border-color .18s ease;
}
.btn-maroon{ background:var(--maroon); color:var(--white); border-color:var(--maroon); }
.btn-maroon:hover{ background:var(--maroon-light); border-color:var(--maroon-light); }
.btn-outline-light{ color:var(--white); border-color:rgba(255,255,255,0.4); }
.btn-outline-light:hover{ border-color:var(--gold); color:var(--gold); }
.btn-outline{ color:var(--ink); border-color:var(--ink-faint); }
.btn-outline:hover{ border-color:var(--maroon); color:var(--maroon); }
.btn-lg{ padding:15px 30px; font-size:0.94rem; }

/* ============================================================
   HERO
   ============================================================ */
.hero{ background:var(--navy); }
.hero-inner{
  max-width:1080px;
  margin:0 auto;
  padding:56px 32px 0;
  display:grid;
  grid-template-columns:1.1fr 0.9fr;
  gap:0;
  align-items:end;
}
@media(max-width:640px){ .hero-inner{ padding:44px 22px 0; } }
@media(max-width:860px){ .hero-inner{ grid-template-columns:1fr; } }

.hero-copy{ padding-bottom:56px; }
.hero-copy h1{
  color:var(--white);
  font-size:clamp(2rem, 4.2vw, 2.9rem);
  line-height:1.16;
  margin:16px 0 18px;
}
.hero-copy p.lede{
  color:#AEBBC5;
  font-size:1.04rem;
  max-width:50ch;
  margin:0 0 30px;
}
.hero-actions{ display:flex; gap:14px; flex-wrap:wrap; }

.skyline{ width:100%; display:block; }
@media(max-width:860px){ .skyline{ max-height:160px; } }

/* ============================================================
   TRUST BULLETS
   ============================================================ */
.trust-band{
  background:var(--paper);
  border-bottom:1px solid var(--line);
}
.trust-grid{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:32px;
  padding:36px 0;
}
@media(max-width:760px){ .trust-grid{ grid-template-columns:1fr; gap:22px; } }
.trust-point{
  display:flex;
  gap:14px;
  align-items:flex-start;
}
.trust-point .dot{
  width:8px; height:8px;
  border-radius:50%;
  background:var(--maroon);
  margin-top:8px;
  flex-shrink:0;
}
.trust-point p{
  margin:0;
  font-size:0.94rem;
  color:var(--ink-soft);
}

/* ============================================================
   SECTIONS
   ============================================================ */
section{ padding:76px 0; }
.section-head{ margin-bottom:40px; max-width:60ch; }
.section-head h2{ font-size:clamp(1.55rem,3vw,2.05rem); margin-top:10px; }
.section-head p{ color:var(--ink-soft); margin-top:14px; font-size:0.98rem; }

.about-section p{
  color:var(--ink-soft);
  font-size:1.02rem;
  line-height:1.7;
  max-width:70ch;
}
.about-section p + p{ margin-top:16px; }

/* ============================================================
   FINANCING LEDGER TABLE
   ============================================================ */
.ledger-table{ width:100%; }
.ledger-row{
  display:grid;
  grid-template-columns:auto 1fr;
  gap:22px;
  padding:26px 0;
  border-top:1px solid var(--line);
  align-items:start;
}
.ledger-row:last-child{ border-bottom:1px solid var(--line); }
@media(max-width:640px){ .ledger-row{ grid-template-columns:1fr; gap:10px; } }

.ledger-mark{
  width:38px; height:38px;
  border:1px solid var(--maroon);
  display:flex; align-items:center; justify-content:center;
  flex-shrink:0;
}
.ledger-row-head{ display:flex; align-items:baseline; gap:14px; flex-wrap:wrap; }
.ledger-row-head h3{ font-size:1.14rem; white-space:nowrap; }
.leader{ flex:1; border-bottom:1px dotted var(--ink-faint); min-width:24px; height:0.8em; }
.ledger-tag{
  font-family:var(--font-mono);
  font-size:0.7rem;
  letter-spacing:0.08em;
  text-transform:uppercase;
  color:var(--gold);
  white-space:nowrap;
}
.ledger-row p{ color:var(--ink-soft); font-size:0.95rem; margin:10px 0 0; max-width:64ch; }

/* ============================================================
   PROCESS
   ============================================================ */
.process{ background:var(--paper); border-top:1px solid var(--line); border-bottom:1px solid var(--line); }
.process-list{ display:flex; flex-direction:column; }
.process-item{
  display:grid;
  grid-template-columns:52px 1fr;
  gap:20px;
  padding:22px 0;
  border-top:1px solid var(--line);
}
.process-item:first-child{ border-top:none; }
.process-item .idx{ font-family:var(--font-mono); font-size:0.98rem; color:var(--maroon); padding-top:2px; }
.process-item h4{ font-family:var(--font-body); font-weight:700; font-size:1rem; color:var(--ink); margin-bottom:6px; }
.process-item p{ color:var(--ink-soft); font-size:0.94rem; margin:0; }

/* ============================================================
   SIGN-OFF
   ============================================================ */
.signoff{ background:var(--navy); text-align:center; }
.signoff h2{ color:var(--white); font-size:clamp(1.6rem,3vw,2.1rem); margin-bottom:14px; }
.signoff p{ color:#AEBBC5; max-width:48ch; margin:0 auto 28px; }

/* ============================================================
   FOOTER
   ============================================================ */
footer.site-footer{
  background:var(--navy);
  border-top:1px solid var(--navy-line);
}
.footer-grid{
  max-width:1080px;
  margin:0 auto;
  padding:52px 32px 28px;
  display:grid;
  grid-template-columns:1.4fr 1fr 1fr;
  gap:40px;
}
@media(max-width:640px){ .footer-grid{ padding:44px 22px 24px; grid-template-columns:1fr; gap:30px; } }
.footer-brand{ font-family:var(--font-display); font-size:1.15rem; color:var(--white); margin-bottom:12px; }
.footer-blurb{ font-size:0.88rem; color:#93A2AE; max-width:34ch; line-height:1.6; }
.footer-col h5{
  font-family:var(--font-mono);
  font-size:0.68rem;
  letter-spacing:0.14em;
  text-transform:uppercase;
  color:#7E8B96;
  margin:0 0 14px;
}
.footer-col ul{ display:flex; flex-direction:column; gap:10px; }
.footer-col a{ font-size:0.88rem; color:#C7D1D9; }
.footer-col a:hover{ color:var(--white); }
.footer-bottom{
  border-top:1px solid var(--navy-line);
  padding:20px 32px 32px;
}
.footer-disclaimer{
  max-width:1080px;
  margin:0 auto;
  font-size:0.76rem;
  line-height:1.6;
  color:#7E8B96;
}