:root {
  --hbnw-bg: #f3efe6;
  --hbnw-paper: #fffdf8;
  --hbnw-ink: #1c2a24;
  --hbnw-soft: #5c6b64;
  --hbnw-spruce: #14352c;
  --hbnw-spruce-2: #1f4d3a;
  --hbnw-copper: #c4844a;
  --hbnw-sand: #e0b07a;
  --hbnw-line: #e4ddd0;
  --hbnw-max: 74rem;
  --hbnw-radius: 18px;
  --hbnw-shadow: 0 16px 40px rgba(20, 53, 44, 0.08);
}

*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: "Segoe UI", system-ui, -apple-system, Roboto, Arial, sans-serif;
  font-size: 1.05rem;
  line-height: 1.65;
  color: var(--hbnw-ink);
  background:
    radial-gradient(50% 30% at 100% 0%, rgba(196, 132, 74, 0.12), transparent 60%),
    var(--hbnw-bg);
}

img {
  max-width: 100%;
  height: auto;
  display: block;
}

a {
  color: var(--hbnw-spruce-2);
  text-underline-offset: 3px;
}

a:hover {
  color: var(--hbnw-copper);
}

:focus-visible {
  outline: 2px solid var(--hbnw-copper);
  outline-offset: 3px;
}

h1, h2, h3 {
  font-family: Georgia, "Times New Roman", serif;
  line-height: 1.2;
  letter-spacing: -0.02em;
  color: var(--hbnw-spruce);
}

h1 {
  font-size: clamp(2rem, 4vw, 3.15rem);
  margin: 0.2rem 0 0.7rem;
}

h2 {
  font-size: clamp(1.45rem, 2.4vw, 1.9rem);
  margin: 0 0 0.6rem;
}

h3 {
  font-size: 1.15rem;
  margin: 0 0 0.4rem;
}

p {
  margin: 0 0 0.85rem;
}

.hbnw-page {
  min-height: 100vh;
  display: flex;
  flex-direction: column;
}

.hbnw-skip {
  position: absolute;
  left: -999px;
}

.hbnw-skip:focus {
  left: 1rem;
  top: 1rem;
  z-index: 80;
  background: #fff;
  color: var(--hbnw-spruce);
  padding: 0.55rem 0.8rem;
  border-radius: 8px;
}

.hbnw-bar {
  background: var(--hbnw-spruce);
  color: #f6f3ec;
  position: sticky;
  top: 0;
  z-index: 40;
  box-shadow: 0 8px 24px rgba(20, 53, 44, 0.18);
}

.hbnw-bar__wrap {
  max-width: var(--hbnw-max);
  margin: 0 auto;
  padding: 0.85rem 1.25rem;
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 0.75rem 1.2rem;
}

.hbnw-brand {
  display: flex;
  align-items: center;
  gap: 0.7rem;
  color: #f6f3ec;
  text-decoration: none;
  font-weight: 700;
  letter-spacing: -0.02em;
  margin-right: auto;
}

.hbnw-brand img {
  width: 40px;
  height: 40px;
}

.hbnw-burger {
  display: none;
  background: transparent;
  color: #f6f3ec;
  border: 1px solid rgba(246, 243, 236, 0.35);
  border-radius: 999px;
  padding: 0.4rem 0.85rem;
  font-weight: 700;
  cursor: pointer;
}

.hbnw-menu ul {
  list-style: none;
  display: flex;
  flex-wrap: wrap;
  gap: 0.2rem 0.35rem;
  margin: 0;
  padding: 0;
  align-items: center;
}

.hbnw-menu a {
  color: #d7e4dc;
  text-decoration: none;
  font-weight: 650;
  font-size: 0.92rem;
  padding: 0.4rem 0.55rem;
  border-bottom: 2px solid transparent;
}

.hbnw-menu a:hover,
.hbnw-menu a[aria-current="page"] {
  color: #fff;
  border-bottom-color: var(--hbnw-sand);
}

.hbnw-menu a[href="/heritage-bank-login/"] {
  background: var(--hbnw-sand);
  color: var(--hbnw-spruce);
  border-radius: 999px;
  border-bottom: 0;
  padding: 0.45rem 0.9rem;
}

.hbnw-menu a[href="/heritage-bank-login/"]:hover,
.hbnw-menu a[href="/heritage-bank-login/"][aria-current="page"] {
  background: #f0c89a;
  color: var(--hbnw-spruce);
}

.hbnw-body {
  width: min(var(--hbnw-max), calc(100% - 2.4rem));
  margin: 0 auto;
  padding: 1.6rem 0 3.5rem;
  flex: 1;
}

.hbnw-crumbs ol {
  list-style: none;
  display: flex;
  flex-wrap: wrap;
  gap: 0.35rem 0.5rem;
  margin: 0 0 1rem;
  padding: 0;
  color: var(--hbnw-soft);
  font-size: 0.92rem;
}

.hbnw-crumbs li:not(:last-child)::after {
  content: "/";
  margin-left: 0.5rem;
  color: #b7aea0;
}

.hbnw-kicker {
  margin: 0;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  font-size: 0.75rem;
  font-weight: 700;
  color: var(--hbnw-copper);
}

.hbnw-lead {
  font-size: 1.12rem;
  max-width: 42rem;
  color: var(--hbnw-soft);
}

.hbnw-hero {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 1.6rem;
  align-items: center;
  background: linear-gradient(145deg, #14352c 0%, #1f4d3a 70%, #2a5c40 100%);
  color: #f6f3ec;
  border-radius: 28px;
  padding: 2rem;
  box-shadow: var(--hbnw-shadow);
}

.hbnw-hero h1,
.hbnw-hero .hbnw-kicker {
  color: #f6f3ec;
}

.hbnw-hero .hbnw-kicker {
  color: var(--hbnw-sand);
}

.hbnw-hero .hbnw-lead {
  color: #d7e4dc;
}

.hbnw-hero a {
  color: var(--hbnw-sand);
}

.hbnw-hero__img {
  width: 100%;
  border-radius: 18px;
  object-fit: cover;
  min-height: 240px;
  max-height: 380px;
}

.hbnw-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.7rem;
  margin-top: 1.1rem;
}

.hbnw-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: 999px;
  padding: 0.7rem 1.15rem;
  font-weight: 700;
  text-decoration: none;
  border: 1px solid transparent;
  cursor: pointer;
  font: inherit;
}

.hbnw-btn--fill {
  background: var(--hbnw-sand);
  color: var(--hbnw-spruce);
}

.hbnw-btn--fill:hover {
  background: #f0c89a;
  color: var(--hbnw-spruce);
}

.hbnw-btn--line {
  background: transparent;
  color: var(--hbnw-spruce);
  border-color: rgba(20, 53, 44, 0.25);
}

.hbnw-hero .hbnw-btn--fill,
.hbnw-hero .hbnw-btn--fill:hover {
  color: var(--hbnw-spruce);
}

.hbnw-hero .hbnw-btn--line {
  color: #f6f3ec;
  border-color: rgba(246, 243, 236, 0.4);
}

.hbnw-hero .hbnw-btn--line:hover {
  color: var(--hbnw-spruce);
  background: #f6f3ec;
}

.hbnw-stats {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0.8rem;
  margin: 1rem 0 2rem;
}

.hbnw-stat,
.hbnw-card,
.hbnw-callout,
.hbnw-form,
.hbnw-faq,
.hbnw-table-wrap,
.hbnw-split,
.hbnw-related {
  background: var(--hbnw-paper);
  border: 1px solid var(--hbnw-line);
  border-radius: var(--hbnw-radius);
  box-shadow: var(--hbnw-shadow);
}

.hbnw-stat {
  padding: 1rem 1.05rem;
}

.hbnw-stat b {
  display: block;
  font-family: Georgia, serif;
  font-size: 1.25rem;
  color: var(--hbnw-spruce);
}

.hbnw-stat span {
  color: var(--hbnw-soft);
  font-size: 0.92rem;
}

.hbnw-section {
  margin: 2rem 0;
}

.hbnw-grid {
  display: grid;
  gap: 1rem;
}

.hbnw-grid--3 {
  grid-template-columns: repeat(3, 1fr);
}

.hbnw-grid--2 {
  grid-template-columns: repeat(2, 1fr);
}

.hbnw-card,
.hbnw-callout,
.hbnw-related {
  padding: 1.2rem 1.25rem 1.3rem;
}

.hbnw-card img,
.hbnw-photo {
  border-radius: 14px;
}

.hbnw-photo {
  width: 100%;
  max-height: 420px;
  object-fit: cover;
  margin: 0.2rem 0 1.2rem;
}

.hbnw-callout .hbnw-form {
  background: transparent;
  border: 0;
  box-shadow: none;
  padding: 0;
  max-width: 28rem;
}

.hbnw-card > img {
  width: 56px;
  height: 56px;
  margin-bottom: 0.7rem;
}

.hbnw-split {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 1.2rem;
  align-items: center;
  padding: 1rem;
  margin: 1.2rem 0;
}

.hbnw-split__copy {
  padding: 0.6rem 0.8rem;
}

.hbnw-steps {
  display: grid;
  gap: 0.8rem;
  margin: 1rem 0 1.4rem;
}

.hbnw-step {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 0.85rem;
  align-items: start;
  background: var(--hbnw-paper);
  border: 1px solid var(--hbnw-line);
  border-radius: 16px;
  padding: 0.95rem 1rem;
}

.hbnw-step b {
  width: 2rem;
  height: 2rem;
  border-radius: 50%;
  display: grid;
  place-items: center;
  background: var(--hbnw-spruce);
  color: #f6f3ec;
  font-family: Georgia, serif;
}

.hbnw-form label,
.hbnw-field {
  display: block;
  font-weight: 700;
  margin-bottom: 0.35rem;
}

.hbnw-input,
.hbnw-textarea,
.hbnw-select {
  width: 100%;
  border: 1px solid #d9d0c2;
  background: #fff;
  border-radius: 12px;
  padding: 0.75rem 0.8rem;
  font: inherit;
  color: var(--hbnw-ink);
  margin-bottom: 0.85rem;
}

.hbnw-textarea {
  min-height: 8rem;
  resize: vertical;
}

.hbnw-form {
  padding: 1.2rem;
  max-width: 36rem;
}

.hbnw-alert {
  background: #fde8e4;
  color: #7a2e24;
  border-radius: 12px;
  padding: 0.7rem 0.85rem;
  margin: 0 0 0.8rem;
}

.hbnw-alert--ok {
  background: #e5f4ea;
  color: #1d5c38;
}

.hbnw-faq {
  padding: 0.4rem 1.1rem 1rem;
}

.hbnw-faq__item {
  border-bottom: 1px solid var(--hbnw-line);
  padding: 0.85rem 0;
}

.hbnw-faq__item summary {
  cursor: pointer;
  font-weight: 700;
  color: var(--hbnw-spruce);
}

.hbnw-table-wrap {
  overflow-x: auto;
  margin: 1rem 0;
}

.hbnw-table {
  width: 100%;
  border-collapse: collapse;
}

.hbnw-table th,
.hbnw-table td {
  text-align: left;
  padding: 0.8rem 1rem;
  border-bottom: 1px solid var(--hbnw-line);
  vertical-align: top;
}

.hbnw-table th {
  font-size: 0.82rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--hbnw-soft);
}

.hbnw-note {
  color: var(--hbnw-soft);
  font-size: 0.95rem;
}

.hbnw-related ul,
.hbnw-base ul {
  list-style: none;
  margin: 0;
  padding: 0;
}

.hbnw-related li + li,
.hbnw-base li + li {
  margin-top: 0.35rem;
}

.hbnw-base {
  background: var(--hbnw-spruce);
  color: #d7e4dc;
  margin-top: auto;
}

.hbnw-base a {
  color: #f6f3ec;
  text-decoration: none;
}

.hbnw-base a:hover {
  color: var(--hbnw-sand);
}

.hbnw-base__cols {
  max-width: var(--hbnw-max);
  margin: 0 auto;
  padding: 2rem 1.25rem 1rem;
  display: grid;
  grid-template-columns: 1.3fr repeat(3, 1fr);
  gap: 1.4rem;
}

.hbnw-base h2 {
  color: var(--hbnw-sand);
  font-family: "Segoe UI", sans-serif;
  font-size: 0.78rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  margin-bottom: 0.7rem;
}

.hbnw-base__note {
  max-width: 28rem;
}

.hbnw-base__copy {
  max-width: var(--hbnw-max);
  margin: 0 auto;
  padding: 0 1.25rem 1.4rem;
  color: #b7c9bf;
  font-size: 0.92rem;
}

.hbnw-badges {
  display: flex;
  flex-wrap: wrap;
  gap: 0.6rem;
  margin-top: 1rem;
}

.hbnw-badges img {
  background: #0f2922;
  border-radius: 10px;
}

.hbnw-notice {
  position: fixed;
  right: 1rem;
  bottom: 1rem;
  z-index: 70;
  width: min(26rem, calc(100% - 2rem));
  background: #fffdf8;
  border: 1px solid var(--hbnw-line);
  border-radius: 16px;
  box-shadow: var(--hbnw-shadow);
  padding: 1rem;
}

.hbnw-notice__acts {
  display: flex;
  gap: 0.5rem;
}

@media (max-width: 980px) {
  .hbnw-hero,
  .hbnw-split,
  .hbnw-grid--3,
  .hbnw-stats,
  .hbnw-base__cols {
    grid-template-columns: 1fr 1fr;
  }

  .hbnw-base__cols {
    grid-template-columns: 1fr 1fr;
  }
}

@media (max-width: 760px) {
  .hbnw-burger {
    display: inline-flex;
  }

  .hbnw-menu {
    display: none;
    width: 100%;
  }

  .hbnw-menu--open {
    display: block;
  }

  .hbnw-menu ul {
    flex-direction: column;
    align-items: flex-start;
    padding-bottom: 0.4rem;
  }

  .hbnw-hero,
  .hbnw-split,
  .hbnw-grid--2,
  .hbnw-grid--3,
  .hbnw-stats,
  .hbnw-base__cols {
    grid-template-columns: 1fr;
  }

  .hbnw-body {
    width: min(var(--hbnw-max), calc(100% - 1.4rem));
  }
}