/**
 * Home & Borrowing — shared section layout (body uses checking-page + hb-borrowing-page).
 * Load after /banking/checking-account.css so hero tokens align with public Banking pages.
 */

/* .checking-page.hb-borrowing-page .hb-main {
  padding-bottom: clamp(2.35rem, 4vw, 3.15rem);
} */

/* Extra footer breathing room on product pages that use the checking hero + related hubs pattern */
/* body.checking-page.hb-borrowing-page[class*="hb-page-"] .hb-main {
  padding-bottom: clamp(2.75rem, 5.5vw, 3.75rem);
} */

.hb-container {
  width: min(1220px, 100% - 2rem);
  margin-inline: auto;
}

.hb-hero {
  position: relative;
  padding: clamp(2rem, 5vw, 3.5rem) 0 clamp(2.5rem, 6vw, 4rem);
  background: radial-gradient(
      120% 80% at 100% 0%,
      rgba(42, 111, 168, 0.12),
      transparent 55%
    ),
    var(--color-white);
  border-bottom: 1px solid rgba(45, 66, 96, 0.1);
}

.hb-hero__grid {
  display: grid;
  grid-template-columns: 1fr min(38%, 320px);
  gap: clamp(1.5rem, 4vw, 3rem);
  align-items: center;
}

@media (max-width: 880px) {
  .hb-hero__grid {
    grid-template-columns: 1fr;
  }
}

.hb-eyebrow {
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--color-accent);
  margin: 0 0 0.5rem;
}

.hb-hero__title {
  font-family: var(--font-serif);
  font-size: clamp(1.85rem, 3.5vw, 2.45rem);
  font-weight: 700;
  line-height: 1.15;
  color: var(--color-navy-950);
  margin: 0 0 1rem;
}

.hb-hero__lede {
  font-size: 1.0625rem;
  line-height: 1.65;
  color: rgba(11, 27, 58, 0.82);
  max-width: 40rem;
  margin: 0 0 1.35rem;
}

.hb-hero__actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.65rem 1rem;
  margin-top: 0.25rem;
}

.hb-hero__figure {
  margin: 0;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-soft);
  border: 1px solid rgba(45, 66, 96, 0.1);
}

.hb-hero__figure img {
  width: 100%;
  height: auto;
  aspect-ratio: 4 / 3;
  object-fit: cover;
}

.hb-hero__caption {
  font-size: 0.8125rem;
  line-height: 1.45;
  color: rgba(11, 27, 58, 0.65);
  padding: 0.5rem 0.75rem 0.65rem;
  background: var(--color-cream);
}

.hb-breadcrumb {
  font-size: 0.875rem;
  margin-bottom: 1rem;
  color: rgba(11, 27, 58, 0.72);
}

.hb-breadcrumb a {
  color: var(--color-accent);
  text-decoration: none;
}

.hb-breadcrumb a:hover {
  text-decoration: underline;
}

.hb-section {
  padding: clamp(2.25rem, 5vw, 3.25rem) 0;
}

.hb-section--alt {
  background: rgba(255, 255, 255, 0.55);
  border-block: 1px solid rgba(45, 66, 96, 0.08);
}

.hb-section__title {
  font-family: var(--font-serif);
  font-size: clamp(1.45rem, 2.5vw, 1.85rem);
  font-weight: 700;
  color: var(--color-navy-950);
  margin: 0 0 0.65rem;
}

.hb-section__intro {
  max-width: 46rem;
  margin: 0 0 1.75rem;
  color: rgba(11, 27, 58, 0.82);
  line-height: 1.62;
}

.hb-split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: clamp(1.25rem, 3vw, 2.5rem);
  align-items: start;
}

@media (max-width: 820px) {
  .hb-split {
    grid-template-columns: 1fr;
  }
}

.hb-split__prose h3 {
  font-family: var(--font-serif);
  font-size: 1.2rem;
  margin: 1.5rem 0 0.5rem;
  color: var(--color-navy-900);
}

.hb-split__prose h3:first-child {
  margin-top: 0;
}

.hb-split__prose p,
.hb-split__prose li {
  color: rgba(11, 27, 58, 0.84);
  line-height: 1.62;
}

.hb-split__prose ul {
  padding-left: 1.2rem;
}

.hb-figure {
  margin: 0;
  border-radius: var(--radius-md);
  overflow: hidden;
  border: 1px solid rgba(45, 66, 96, 0.12);
  background: var(--color-white);
}

.hb-figure img {
  width: 100%;
  display: block;
  object-fit: cover;
}

.hb-figure figcaption {
  font-size: 0.8125rem;
  padding: 0.5rem 0.75rem;
  color: rgba(11, 27, 58, 0.68);
  background: var(--color-cream);
}

.hb-cards {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(15.5rem, 1fr));
  gap: 1.15rem;
}

.hb-card {
  display: flex;
  flex-direction: column;
  background: var(--color-white);
  border-radius: var(--radius-md);
  border: 1px solid rgba(45, 66, 96, 0.12);
  box-shadow: 0 1px 0 rgba(45, 66, 96, 0.06);
  overflow: hidden;
  text-decoration: none;
  color: inherit;
  transition:
    border-color 0.15s ease,
    box-shadow 0.15s ease;
}

a.hb-card:hover {
  border-color: var(--color-accent);
  box-shadow: 0 10px 28px rgba(36, 54, 82, 0.1);
}

.hb-card__media {
  aspect-ratio: 16 / 10;
  overflow: hidden;
}

.hb-card__media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.hb-card__body {
  padding: 1.1rem 1.05rem 1.2rem;
  flex: 1;
  display: flex;
  flex-direction: column;
}

.hb-card__label {
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--color-accent);
  margin: 0 0 0.35rem;
}

.hb-card__title {
  font-family: var(--font-serif);
  font-size: 1.1rem;
  font-weight: 700;
  margin: 0 0 0.45rem;
  color: var(--color-navy-950);
}

.hb-card__text {
  font-size: 0.9375rem;
  line-height: 1.5;
  color: rgba(11, 27, 58, 0.78);
  margin: 0 0 0.75rem;
  flex: 1;
}

.hb-card__cta {
  font-size: 0.875rem;
  font-weight: 700;
  color: var(--color-accent);
}

/* Hub: center “A few other ways we can help” heading, intro, and three cards */
.checking-page.hb-borrowing-page .hb-more-help-section .hb-section__title,
.checking-page.hb-borrowing-page .hb-more-help-section .hb-section__intro {
  text-align: center;
  margin-left: auto;
  margin-right: auto;
}

.checking-page.hb-borrowing-page .hb-more-help-section .hb-section__intro {
  max-width: 42rem;
}

.checking-page.hb-borrowing-page .hb-more-help-section .hb-cards--more-help {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: clamp(1rem, 2.2vw, 1.35rem);
  width: 100%;
}

.checking-page.hb-borrowing-page .hb-more-help-section .hb-cards--more-help .hb-card {
  flex: 1 1 16.25rem;
  max-width: 20.5rem;
  min-width: 0;
}

/* Hub product grid: light panel, two-up tiles (icon, copy, check list, outline CTA) */
.checking-page.hb-borrowing-page .hb-prod-lane-section {
  background: linear-gradient(
    180deg,
    rgba(241, 245, 250, 0.92) 0%,
    rgba(248, 250, 252, 0.98) 55%,
    rgba(255, 255, 255, 0.6) 100%
  );
  border-block: 1px solid rgba(45, 66, 96, 0.08);
}

.checking-page.hb-borrowing-page .hb-prod-lane-section .hb-section__title,
.checking-page.hb-borrowing-page .hb-prod-lane-section .hb-section__intro {
  text-align: center;
  margin-left: auto;
  margin-right: auto;
}

.checking-page.hb-borrowing-page .hb-prod-lane-section .hb-section__intro {
  max-width: 38rem;
  margin-bottom: clamp(1.5rem, 3.2vw, 2.35rem);
}

.checking-page.hb-borrowing-page .hb-prod-tiles {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  align-items: stretch;
  gap: clamp(1.2rem, 2.4vw, 1.65rem);
  width: 100%;
  max-width: 100%;
  margin-inline: auto;
}

@media (max-width: 900px) {
  .checking-page.hb-borrowing-page .hb-prod-tiles {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 560px) {
  .checking-page.hb-borrowing-page .hb-prod-tiles {
    grid-template-columns: minmax(0, 1fr);
  }
}

.checking-page.hb-borrowing-page .hb-prod-tile {
  display: flex;
  flex-direction: column;
  height: 100%;
  min-width: 0;
  min-height: 100%;
  padding: clamp(1.35rem, 3vw, 1.85rem);
  background: var(--color-white);
  border: 1px solid rgba(45, 66, 96, 0.12);
  border-radius: var(--radius-md);
  box-shadow: 0 1px 0 rgba(45, 66, 96, 0.05);
  text-decoration: none;
  color: inherit;
}

.checking-page.hb-borrowing-page .hb-prod-tile:focus-visible {
  outline: 2px solid var(--color-accent);
  outline-offset: 3px;
}

.checking-page.hb-borrowing-page .hb-prod-tile__icon {
  flex-shrink: 0;
  width: 3.25rem;
  height: 3.25rem;
  margin-bottom: 1rem;
}

.checking-page.hb-borrowing-page .hb-prod-tile__icon img {
  display: block;
  width: 100%;
  height: 100%;
  object-fit: contain;
  object-position: left center;
}

.checking-page.hb-borrowing-page .hb-prod-tile__title {
  font-family: var(--font-sans);
  font-size: clamp(1.05rem, 1.9vw, 1.2rem);
  font-weight: 700;
  margin: 0 0 0.65rem;
  color: var(--color-navy-950);
  line-height: 1.28;
}

.checking-page.hb-borrowing-page .hb-prod-tile__lead {
  margin: 0 0 1rem;
  font-size: 0.9375rem;
  line-height: 1.55;
  color: rgba(11, 27, 58, 0.8);
}

.checking-page.hb-borrowing-page .hb-prod-tile__list {
  list-style: none;
  margin: 0;
  padding: 0;
  flex: 1 1 auto;
  min-height: 0;
  display: flex;
  flex-direction: column;
  gap: 0.55rem;
}

.checking-page.hb-borrowing-page .hb-prod-tile__list li {
  position: relative;
  padding-left: 1.7rem;
  font-size: 0.90625rem;
  line-height: 1.45;
  color: rgba(11, 27, 58, 0.84);
}

.checking-page.hb-borrowing-page .hb-prod-tile__list li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.12rem;
  width: 1.125rem;
  height: 1.125rem;
  background: url("/sky-content/icons/icon-checkmark-midnightpurple-fill.svg") center /
    contain no-repeat;
}

.checking-page.hb-borrowing-page .hb-prod-tile__cta {
  flex-shrink: 0;
  align-self: flex-start;
  box-sizing: border-box;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  margin: 0.875rem 0 0;
  padding: 0.5rem 1.2rem;
  font-family: var(--font-sans);
  font-size: 0.875rem;
  font-weight: 700;
  line-height: 1.25;
  letter-spacing: 0.02em;
  text-decoration: none;
  color: var(--color-accent);
  background: rgba(42, 111, 168, 0.06);
  border: 2px solid var(--color-accent);
  border-radius: var(--radius-sm);
  box-shadow: 0 1px 2px rgba(11, 27, 58, 0.06);
  cursor: pointer;
  transition:
    background 0.15s ease,
    border-color 0.15s ease,
    color 0.15s ease,
    box-shadow 0.15s ease;
}

.checking-page.hb-borrowing-page .hb-prod-tile__cta:hover {
  color: var(--color-white);
  background: var(--color-accent);
  border-color: #245f91;
  box-shadow: 0 2px 8px rgba(42, 111, 168, 0.35);
}

.checking-page.hb-borrowing-page .hb-prod-tile__cta:active {
  background: #245f91;
  border-color: #1f5280;
  color: var(--color-white);
  box-shadow: none;
}

.hb-steps {
  counter-reset: hbstep;
  list-style: none;
  padding: 0;
  margin: 0;
  display: grid;
  gap: 1rem;
}

.hb-steps li {
  position: relative;
  padding: 1.1rem 1.1rem 1.1rem 3.25rem;
  background: var(--color-white);
  border-radius: var(--radius-md);
  border: 1px solid rgba(45, 66, 96, 0.1);
}

.hb-steps li::before {
  counter-increment: hbstep;
  content: counter(hbstep);
  position: absolute;
  left: 1rem;
  top: 1rem;
  width: 1.65rem;
  height: 1.65rem;
  border-radius: 50%;
  background: var(--color-accent);
  color: var(--color-white);
  font-size: 0.85rem;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
}

.hb-steps strong {
  display: block;
  font-family: var(--font-serif);
  margin-bottom: 0.25rem;
  color: var(--color-navy-950);
}

.hb-callout {
  padding: 1.25rem 1.35rem;
  border-radius: var(--radius-md);
  background: var(--color-cream);
  border: 1px solid rgba(45, 66, 96, 0.12);
  margin: 1.5rem 0;
}

.hb-callout__title {
  font-weight: 700;
  margin: 0 0 0.4rem;
  color: var(--color-navy-950);
}

.hb-callout p {
  margin: 0;
  font-size: 0.9375rem;
  line-height: 1.55;
  color: rgba(11, 27, 58, 0.8);
}

.hb-table-wrap {
  overflow-x: auto;
  border-radius: var(--radius-md);
  border: 1px solid rgba(45, 66, 96, 0.12);
  background: var(--color-white);
}

.hb-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.9375rem;
}

.hb-table th,
.hb-table td {
  padding: 0.7rem 0.85rem;
  text-align: left;
  border-bottom: 1px solid rgba(45, 66, 96, 0.1);
  vertical-align: top;
}

.hb-table th {
  background: rgba(245, 247, 250, 0.95);
  font-weight: 700;
  color: var(--color-navy-950);
}

.hb-table tr:last-child td {
  border-bottom: none;
}

.hb-faq details {
  border-bottom: 1px solid rgba(45, 66, 96, 0.1);
  padding: 0.85rem 0;
}

.hb-faq summary {
  font-weight: 700;
  cursor: pointer;
  color: var(--color-navy-950);
}

.hb-faq p {
  margin: 0.55rem 0 0;
  color: rgba(11, 27, 58, 0.8);
  line-height: 1.55;
}

.hb-related {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem 1rem;
  margin-top: 1.5rem;
}

.hb-related a {
  font-weight: 600;
  font-size: 0.9375rem;
}

.hb-footnote {
  font-size: 0.8125rem;
  line-height: 1.5;
  color: rgba(11, 27, 58, 0.68);
  max-width: 52rem;
  margin-top: 2rem;
}

.hb-media-band {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1rem;
}

@media (max-width: 900px) {
  .hb-media-band {
    grid-template-columns: 1fr;
  }
}

.hb-media-band figure {
  margin: 0;
  border-radius: var(--radius-md);
  overflow: hidden;
  border: 1px solid rgba(45, 66, 96, 0.1);
}

.hb-media-band img {
  width: 100%;
  aspect-ratio: 16 / 10;
  object-fit: cover;
}

.page-anchor {
  scroll-margin-top: calc(var(--fdic-h) + var(--header-h) + 1rem);
}

/* Figcaptions inside media bands (uses .hb-figure__caption) */
.hb-figure__caption {
  display: block;
  font-size: 0.8125rem;
  line-height: 1.45;
  padding: 0.5rem 0.75rem;
  color: rgba(11, 27, 58, 0.68);
  background: var(--color-cream);
}

/* Icon + copy tiles (product marks from /sky-content/icons/) */
.hb-icon-features {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(13.75rem, 1fr));
  gap: 1.15rem;
  margin-top: 0.35rem;
}

.hb-icon-features__item {
  padding: 1.15rem 1.1rem 1.2rem;
  border-radius: var(--radius-md);
  border: 1px solid rgba(45, 66, 96, 0.1);
  background: var(--color-white);
  box-shadow: 0 1px 0 rgba(45, 66, 96, 0.05);
}

.hb-icon-features__icon {
  width: 2.75rem;
  height: 2.75rem;
  margin-bottom: 0.6rem;
}

.hb-icon-features__icon img {
  width: 100%;
  height: 100%;
  object-fit: contain;
}

.hb-icon-features__title {
  font-family: var(--font-serif);
  font-size: 1.05rem;
  font-weight: 700;
  margin: 0 0 0.4rem;
  color: var(--color-navy-950);
}

.hb-icon-features__text {
  margin: 0;
  font-size: 0.92rem;
  line-height: 1.52;
  color: rgba(11, 27, 58, 0.78);
}

.hb-faq {
  max-width: 48rem;
}

/* ----- Hub index: diagonal-split hero (Banking .checking-hero + reference layout) ----- */
/* Image column spans from the very top of `.checking-hero` (breadcrumb sits only in the left column). */
.checking-page.hb-borrowing-page .checking-hero.hb-borrowing-hero {
  padding: 0;
  overflow: hidden;
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(280px, min(52vw, 720px));
  grid-template-rows: auto 1fr;
  align-items: stretch;
  min-height: clamp(22rem, 50vh, 36rem);
  position: relative;
}

.checking-page.hb-borrowing-page .hb-borrowing-hero > .checking-breadcrumb {
  grid-column: 1;
  grid-row: 1;
  align-self: start;
  /* Full-width of column 1 + same horizontal inset as `.hb-borrowing-hero__copy` (replaces `margin: 0 auto` centering in a narrow grid track). */
  box-sizing: border-box;
  width: 100%;
  max-width: none;
  margin: 0 0 1.5rem;
  padding: 1rem clamp(1.5rem, 3vw, 2.25rem) 0 max(1.5rem, calc((100vw - 1400px) / 2 + 1.5rem));
}

.checking-page.hb-borrowing-page .hb-borrowing-hero .checking-hero__inner.hb-borrowing-hero__split {
  display: contents;
}

.checking-page.hb-borrowing-page .hb-borrowing-hero .checking-hero__copy.hb-borrowing-hero__copy {
  box-sizing: border-box;
  grid-column: 1;
  grid-row: 2;
  align-self: center;
  max-width: 36rem;
  z-index: 2;
  /* Same horizontal start as `.checking-hero .checking-breadcrumb` (1400px rail + 1.5rem). `100vw` avoids `%` resolving against the grid column instead of the viewport. */
  padding: 0 clamp(1.5rem, 3vw, 2.25rem) clamp(2.25rem, 4vw, 3.15rem)
    max(1.5rem, calc((100vw - 1400px) / 2 + 1.5rem));
}

.checking-page.hb-borrowing-page .hb-borrowing-hero .checking-hero__visual.hb-borrowing-hero__visual {
  grid-column: 2;
  grid-row: 1 / -1;
  position: relative;
  margin: 0;
  padding: 0;
  min-height: 0;
  width: 100%;
  align-self: stretch;
  display: flex;
  flex-direction: column;
  z-index: 1;
  /* `atan2` + `cqi`/`cqb` for seam-aligned accent (see `::before`). */
  container-type: size;
  container-name: hb-borrowing-hero-visual;
  overflow: visible;
}

.checking-page.hb-borrowing-page .hb-borrowing-hero__photo.checking-hero__photo {
  flex: 1 1 auto;
  margin: 0;
  padding: 0;
  border: none;
  background: transparent;
  min-height: 0;
  overflow: hidden;
  position: relative;
  display: flex;
  flex-direction: column;
  z-index: 0;
}

.checking-page.hb-borrowing-page .hb-borrowing-hero__photo img {
  flex: 1 1 auto;
  width: 100%;
  min-height: 0;
  max-width: none;
  display: block;
  object-fit: cover;
  object-position: center 38%;
  /* Seam: (11%,0) → (0,100%). Keep in sync with `.hb-borrowing-hero__visual::before` (midpoint x = 5.5%). */
  clip-path: polygon(11% 0, 100% 0, 100% 100%, 0% 100%);
}

/*
 * Decorative ribbon: reference is a full-height parallelogram centered on the navy↔photo seam.
 * Seam midpoint in image/visual coords: (5.5%, 50%). Anchor with translateX(-50%); use skewX so
 * the slab straddles the same diagonal as `clip-path` (angle from atan2(11cqi,100cqb) ≈ skew).
 */
.checking-page.hb-borrowing-page .hb-borrowing-hero .checking-hero__visual.hb-borrowing-hero__visual::before {
  content: "";
  position: absolute;
  left: 5.5%;
  top: 30%;
  bottom: 0;
  width: 4rem;
  box-sizing: border-box;
  margin: 0;
  background: rgba(32, 72, 108, 0.46);
  transform: translateX(-50%) skewX(-20deg);
  transform-origin: 50% 50%;
  z-index: 5;
  pointer-events: none;
}

@supports (height: 1cqb) {
  .checking-page.hb-borrowing-page .hb-borrowing-hero .checking-hero__visual.hb-borrowing-hero__visual::before {
    /* Seam slope + reference-style lean (11% cut alone is a shallow angle on wide columns). */
    transform: translateX(-50%) skewX(calc(0deg - max(1deg, min(26deg, atan2(11cqi, 100cqb)))));
  }
}

@media (max-width: 960px) {
  .checking-page.hb-borrowing-page .checking-hero.hb-borrowing-hero {
    display: block;
    min-height: 0;
  }

  .checking-page.hb-borrowing-page .hb-borrowing-hero > .checking-breadcrumb {
    max-width: 1400px;
    margin: 0 auto 1.5rem;
    padding: 1rem 1.5rem 0;
  }

  .checking-page.hb-borrowing-page .hb-borrowing-hero .checking-hero__inner.hb-borrowing-hero__split {
    display: grid;
    grid-template-columns: 1fr;
    gap: 0;
    min-height: 0;
  }

  .checking-page.hb-borrowing-page .hb-borrowing-hero .checking-hero__visual.hb-borrowing-hero__visual::before {
    display: none;
  }

  .checking-page.hb-borrowing-page .hb-borrowing-hero .checking-hero__copy.hb-borrowing-hero__copy {
    grid-column: auto;
    grid-row: auto;
    max-width: none;
    padding: 0 1.5rem clamp(1.75rem, 4vw, 2.5rem);
  }

  .checking-page.hb-borrowing-page .hb-borrowing-hero .checking-hero__visual.hb-borrowing-hero__visual {
    grid-column: auto;
    grid-row: auto;
    display: block;
  }

  .checking-page.hb-borrowing-page .hb-borrowing-hero__photo.checking-hero__photo {
    display: block;
    flex: none;
    min-height: min(52vw, 360px);
  }

  .checking-page.hb-borrowing-page .hb-borrowing-hero__photo img {
    flex: none;
    clip-path: none;
    min-height: min(52vw, 360px);
    height: auto;
    aspect-ratio: 16 / 10;
  }
}

/* ----- Banking-style dark hero (matches .checking-hero on product pages) ----- */
.checking-page.hb-borrowing-page .hb-hero {
  padding: 0 0 clamp(2.35rem, 4vw, 3.15rem);
  background: var(--hero-background);
  color: var(--color-white);
  border-bottom: 1px solid rgba(255, 255, 255, 0.12);
}

.checking-page.hb-borrowing-page .hb-hero .hb-container.hb-hero__grid {
  width: 100%;
  max-width: 1400px;
  margin: 0 auto;
  padding: 0 1.5rem;
  padding-top: 1rem;
}

.checking-page.hb-borrowing-page .hb-breadcrumb {
  font-family: var(--font-sans);
  font-size: 0.9375rem;
  line-height: 1.5;
  color: rgba(255, 255, 255, 0.88);
  margin-bottom: 1.5rem;
}

.checking-page.hb-borrowing-page .hb-breadcrumb a {
  color: rgba(255, 255, 255, 0.88);
  font-weight: 600;
}

.checking-page.hb-borrowing-page .hb-breadcrumb a:hover {
  color: var(--color-white);
  text-decoration: underline;
  text-underline-offset: 2px;
}

.checking-page.hb-borrowing-page .hb-eyebrow {
  color: var(--color-gold);
}

.checking-page.hb-borrowing-page .hb-hero__title {
  font-weight: 600;
  font-size: clamp(1.85rem, 4vw, 2.65rem);
  line-height: 1.2;
  letter-spacing: -0.02em;
  color: var(--color-white);
}

.checking-page.hb-borrowing-page .hb-hero__lede {
  font-size: 1.125rem;
  line-height: 1.55;
  color: rgba(255, 255, 255, 0.88);
  max-width: 36rem;
}

.checking-page.hb-borrowing-page .hb-hero__figure {
  border-radius: clamp(14px, 2.4vw, 22px);
  border: 6px solid rgba(255, 255, 255, 0.22);
  box-shadow:
    0 32px 72px rgba(0, 0, 0, 0.35),
    0 12px 24px rgba(0, 0, 0, 0.2),
    inset 0 1px 0 rgba(255, 255, 255, 0.12);
  background: rgba(255, 255, 255, 0.06);
}

.checking-page.hb-borrowing-page .hb-hero__figure img {
  aspect-ratio: 4 / 3;
  filter: drop-shadow(0 10px 24px rgba(0, 0, 0, 0.2));
}

.checking-page.hb-borrowing-page .hb-hero__caption {
  background: rgba(10, 22, 40, 0.55);
  color: rgba(255, 255, 255, 0.85);
}

.checking-page.hb-borrowing-page .hb-hero__actions .btn--outline.btn--header {
  background: transparent;
  color: var(--color-white);
  border: 2px solid rgba(255, 255, 255, 0.55);
  box-shadow: none;
}

.checking-page.hb-borrowing-page .hb-hero__actions .btn--outline.btn--header:hover {
  background: rgba(255, 255, 255, 0.1);
  border-color: var(--color-white);
  color: var(--color-white);
}

/* ----- Wider hero (reference: split text + photography) ----- */
.checking-page.hb-borrowing-page .hb-hero__grid--wide {
  grid-template-columns: minmax(0, 1.08fr) minmax(280px, 0.92fr);
  gap: clamp(1.75rem, 4.5vw, 3.5rem);
  align-items: center;
}

@media (max-width: 900px) {
  .checking-page.hb-borrowing-page .hb-hero__grid--wide {
    grid-template-columns: 1fr;
  }
}

/* ----- Dark “value band” + elevated white tiles (loan hub pattern) ----- */
.hb-pro-band {
  padding: clamp(2.75rem, 6vw, 4.35rem) 0;
  background: linear-gradient(
    168deg,
    var(--hero-background) 0%,
    var(--color-navy-900) 48%,
    var(--color-navy-950) 100%
  );
  color: var(--color-white);
  border-block: 1px solid rgba(255, 255, 255, 0.1);
}

.hb-pro-band__inner {
  width: min(1120px, 100% - 2rem);
  margin-inline: auto;
}

.hb-pro-band__head {
  text-align: center;
  max-width: 44rem;
  margin: 0 auto 2.35rem;
}

.hb-pro-band__eyebrow {
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--color-gold);
  margin: 0 0 0.5rem;
}

.hb-pro-band__title {
  font-family: var(--font-serif);
  font-size: clamp(1.65rem, 3.2vw, 2.35rem);
  font-weight: 700;
  line-height: 1.15;
  margin: 0 0 0.65rem;
  color: var(--color-white);
}

.hb-pro-band__intro {
  margin: 0;
  font-size: 1.0625rem;
  line-height: 1.62;
  color: rgba(255, 255, 255, 0.9);
}

.hb-value-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.2rem;
}

@media (max-width: 900px) {
  .hb-value-grid {
    grid-template-columns: 1fr;
  }
}

.hb-value-cell {
  background: var(--color-white);
  border-radius: var(--radius-md);
  padding: 1.45rem 1.3rem 1.5rem;
  border: 1px solid rgba(45, 66, 96, 0.12);
  box-shadow: 0 22px 48px rgba(0, 0, 0, 0.22);
}

.hb-value-cell__icon {
  width: 2.85rem;
  height: 2.85rem;
  margin-bottom: 0.75rem;
}

.hb-value-cell__icon img {
  width: 100%;
  height: 100%;
  object-fit: contain;
}

.hb-value-cell__title {
  font-family: var(--font-serif);
  font-size: 1.125rem;
  font-weight: 700;
  margin: 0 0 0.45rem;
  color: var(--color-navy-950);
}

.hb-value-cell__text {
  margin: 0;
  font-size: 0.94rem;
  line-height: 1.55;
  color: rgba(11, 27, 58, 0.84);
}

/* ----- Bottom CTA strip ----- */
.hb-cta-banner {
  background: linear-gradient(
    95deg,
    var(--color-navy-950) 0%,
    var(--color-navy-900) 100%
  );
  color: var(--color-white);
  padding: clamp(1.85rem, 4vw, 2.65rem) 0;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
}

.hb-cta-banner__inner {
  width: min(1120px, 100% - 2rem);
  margin-inline: auto;
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 1.25rem;
}

.hb-cta-banner__title {
  font-family: var(--font-serif);
  font-size: clamp(1.2rem, 2.2vw, 1.55rem);
  font-weight: 700;
  margin: 0;
  max-width: 26rem;
  line-height: 1.3;
}

.hb-cta-banner__actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.65rem;
}

.checking-page.hb-borrowing-page .hb-cta-banner .btn--outline.btn--header {
  border: 2px solid rgba(255, 255, 255, 0.55);
  color: var(--color-white);
  background: transparent;
  box-shadow: none;
}

.checking-page.hb-borrowing-page .hb-cta-banner .btn--outline.btn--header:hover {
  background: rgba(255, 255, 255, 0.1);
  border-color: var(--color-white);
}

/* ----- Checklist (underwriting readiness) ----- */
.hb-checklist {
  list-style: none;
  padding: 0;
  margin: 0;
  max-width: 36rem;
}

.hb-checklist li {
  position: relative;
  padding: 0.65rem 0 0.65rem 1.85rem;
  border-bottom: 1px solid rgba(45, 66, 96, 0.1);
  color: rgba(11, 27, 58, 0.86);
  line-height: 1.55;
  font-size: 0.98rem;
}

.hb-checklist li::before {
  content: "";
  position: absolute;
  left: 0.15rem;
  top: 0.95rem;
  width: 0.5rem;
  height: 0.5rem;
  border-radius: 50%;
  background: var(--color-accent);
}

.hb-section__kicker {
  font-size: 0.8125rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--color-accent);
  margin: 0 0 0.35rem;
}

/* ----- Product path tiles (responsive grid; supports 3–6+ tiles) ----- */
.hb-path-row {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(14rem, 1fr));
  gap: 1rem;
}

@media (max-width: 820px) {
  .hb-path-row {
    grid-template-columns: 1fr;
  }
}

.hb-path-tile {
  display: block;
  padding: 1.2rem 1.15rem;
  border-radius: var(--radius-md);
  border: 1px solid rgba(45, 66, 96, 0.12);
  background: var(--color-white);
  text-decoration: none;
  color: inherit;
  transition:
    border-color 0.15s ease,
    box-shadow 0.15s ease;
}

.hb-path-tile:hover {
  border-color: var(--color-accent);
  box-shadow: 0 12px 32px rgba(36, 54, 82, 0.1);
}

.hb-path-tile__label {
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--color-accent);
  margin: 0 0 0.35rem;
}

.hb-path-tile__title {
  font-family: var(--font-serif);
  font-size: 1.1rem;
  font-weight: 700;
  margin: 0 0 0.4rem;
  color: var(--color-navy-950);
}

.hb-path-tile__text {
  margin: 0;
  font-size: 0.9rem;
  line-height: 1.5;
  color: rgba(11, 27, 58, 0.78);
}

.hb-path-tile__go {
  display: inline-block;
  margin-top: 0.65rem;
  font-weight: 700;
  font-size: 0.88rem;
  color: var(--color-accent);
}

/* ----- Hub product grid (“What can we help you with?”) — static, no ticker ----- */
.hb-section__title#hb-what-help {
  margin-bottom: clamp(1rem, 2.2vw, 1.5rem);
}

.hb-section__title#hb-hub-faq {
  margin-bottom: clamp(1rem, 2.2vw, 1.5rem);
}

/* FAQ blocks: title spacing before accordion (hub + product pages) */
.checking-page.hb-borrowing-page .hb-container:has(> .hb-faq) > .hb-section__title {
  margin-bottom: clamp(1rem, 2.2vw, 1.5rem);
}

.hb-path-row--hub {
  margin-top: 0;
  grid-template-columns: repeat(auto-fit, minmax(10.5rem, 1fr));
}

.hb-path-tile--hub {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: flex-start;
  text-align: center;
  min-height: 0;
  padding: 1.15rem 0.75rem 1.05rem;
  border-radius: var(--radius-lg);
  box-shadow: 0 1px 0 rgba(45, 66, 96, 0.05);
  transition:
    border-color 0.2s ease,
    box-shadow 0.2s ease,
    transform 0.2s ease;
}

.hb-path-tile--hub:hover,
.hb-path-tile--hub:focus-visible {
  border-color: rgba(42, 111, 168, 0.42);
  box-shadow: 0 10px 32px rgba(36, 54, 82, 0.09);
  transform: translateY(-1px);
  outline: none;
}

.hb-path-tile--hub:focus-visible {
  box-shadow:
    0 10px 32px rgba(36, 54, 82, 0.09),
    0 0 0 2px var(--color-white),
    0 0 0 4px rgba(42, 111, 168, 0.45);
}

.hb-path-tile--hub .hb-path-tile__icon {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 3.35rem;
  height: 3.35rem;
  margin: 0 0 0.7rem;
  flex-shrink: 0;
}

.hb-path-tile--hub .hb-path-tile__icon img {
  width: 100%;
  height: 100%;
  object-fit: contain;
  display: block;
}

.hb-path-tile--hub .hb-path-tile__title {
  font-family: var(--font-sans);
  font-size: 0.9rem;
  font-weight: 600;
  line-height: 1.35;
  letter-spacing: 0.01em;
  margin: 0;
  color: var(--color-navy-950);
  max-width: 9rem;
  display: -webkit-box;
  -webkit-line-clamp: 2;
  -webkit-box-orient: vertical;
  overflow: hidden;
  text-wrap: balance;
}