/* ════════════════════════════════════════════════
   BANK OF AMERICA — EXACT SITE CLONE
   Red   : #E31837
   Navy  : #012169
   Font  : Arial / Helvetica
   ════════════════════════════════════════════════ */

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --red:      #E31837;
  --red-dk:   #b8122c;
  --navy:     #012169;
  --white:    #ffffff;
  --gray-bg:  #f4f4f4;
  --gray-bdr: #d8d8d8;
  --gray-mid: #767676;
  --text:     #222222;
}

html { scroll-behavior: smooth; }

body {
  font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif;
  font-size: 14px;
  line-height: 1.4;
  color: var(--text);
  background: var(--white);
  min-height: 100vh;
  display: flex;
  flex-direction: column;
}

a { color: inherit; text-decoration: none; }
ul { list-style: none; }
img { display: block; max-width: 100%; }
button { font-family: inherit; }
sup { font-size: 70%; }

/* ── Skip Link ── */
.skip-link {
  position: absolute;
  top: -100px;
  left: 0;
  background: var(--navy);
  color: var(--white);
  padding: 8px 16px;
  font-size: 13px;
  z-index: 9999;
  transition: top .1s;
}
.skip-link:focus { top: 0; }

/* ════════════════════════════════════
   UTILITY BAR
════════════════════════════════════ */
.util-bar {
  background: #1d1d1d;
  height: 30px;
  display: flex;
  align-items: center;
  font-size: 11px;
}
.util-inner {
  max-width: 1280px;
  width: 100%;
  margin: 0 auto;
  padding: 0 20px;
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.util-left, .util-right {
  display: flex;
  align-items: center;
}
.util-left li, .util-right li { display: flex; align-items: center; }
.util-bar a {
  color: #cccccc;
  font-size: 11px;
  padding: 0 7px;
  display: flex;
  align-items: center;
  gap: 4px;
  transition: color .15s;
}
.util-bar a:hover { color: #fff; text-decoration: underline; }
.util-sep { color: #555; }

/* ════════════════════════════════════
   MAIN HEADER
════════════════════════════════════ */
.main-header {
  background: var(--white);
  border-bottom: 4px solid var(--red);
  position: sticky;
  top: 0;
  z-index: 500;
  box-shadow: 0 2px 8px rgba(0,0,0,.14);
}
.hdr-inner {
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 20px;
  display: flex;
  align-items: center;
  height: 68px;
}

/* Logo */
.hdr-logo {
  flex-shrink: 0;
  margin-right: 20px;
  display: flex;
  align-items: center;
}
.hdr-logo img { height: 38px; width: auto; }

/* Primary Nav */
.primary-nav { flex: 1; height: 100%; }
.nav-list {
  display: flex;
  height: 100%;
  align-items: stretch;
}
.nav-item {
  position: relative;
  display: flex;
  align-items: stretch;
}
.nav-link {
  display: flex;
  align-items: center;
  gap: 4px;
  padding: 0 12px;
  font-size: 13px;
  font-weight: 700;
  color: var(--text);
  white-space: nowrap;
  border-bottom: 4px solid transparent;
  margin-bottom: -4px;
  cursor: pointer;
  transition: color .15s, border-color .15s;
}
.nav-caret {
  display: inline-block;
  width: 0; height: 0;
  border-left: 4px solid transparent;
  border-right: 4px solid transparent;
  border-top: 5px solid currentColor;
  opacity: .65;
  transition: transform .2s;
}
.nav-item:hover .nav-link {
  color: var(--red);
  border-bottom-color: var(--red);
}
.nav-item:hover .nav-caret { transform: rotate(180deg); }

/* Dropdown */
.nav-dropdown {
  display: none;
  position: absolute;
  top: calc(100% + 4px);
  left: 0;
  background: var(--white);
  border: 1px solid var(--gray-bdr);
  border-top: 3px solid var(--red);
  min-width: 260px;
  box-shadow: 0 6px 20px rgba(0,0,0,.14);
  z-index: 600;
  padding: 6px 0;
}
.nav-item:hover .nav-dropdown { display: block; }
.nav-dropdown a {
  display: block;
  padding: 10px 20px;
  font-size: 13px;
  color: var(--text);
  border-left: 3px solid transparent;
  transition: background .1s, color .1s, border-color .1s;
}
.nav-dropdown a:hover {
  background: #f8f8f8;
  color: var(--red);
  border-left-color: var(--red);
}

/* Header Right */
.hdr-actions {
  display: flex;
  align-items: center;
  gap: 16px;
  margin-left: 16px;
  flex-shrink: 0;
}
.hdr-schedule-link {
  font-size: 13px;
  color: var(--text);
  text-decoration: underline;
  white-space: nowrap;
  transition: color .15s;
}
.hdr-schedule-link:hover { color: var(--red); }
.hdr-signin-btn {
  background: var(--red);
  color: var(--white);
  font-size: 13px;
  font-weight: 700;
  padding: 9px 22px;
  border-radius: 3px;
  white-space: nowrap;
  transition: background .15s;
  display: block;
}
.hdr-signin-btn:hover { background: var(--red-dk); }

/* ════════════════════════════════════
   HERO + SIGN-IN WIDGET
════════════════════════════════════ */
.hero-section {
  position: relative;
  min-height: 480px;
  display: flex;
  align-items: center;
}
.hero-bg-img {
  position: absolute;
  inset: 0;
  background: url('https://images.unsplash.com/photo-1554224155-6726b3ff858f?w=1600&q=80') center/cover no-repeat;
  z-index: 0;
}
.hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(to right, rgba(1,33,105,.9) 0%, rgba(1,33,105,.72) 45%, rgba(0,0,0,.28) 100%);
  z-index: 1;
}
.hero-content {
  position: relative;
  z-index: 2;
  max-width: 1280px;
  width: 100%;
  margin: 0 auto;
  padding: 60px 20px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 48px;
}
.hero-text {
  flex: 1;
  color: var(--white);
  max-width: 560px;
}
.hero-text h1 {
  font-size: clamp(28px, 3.5vw, 46px);
  font-weight: 700;
  line-height: 1.15;
  margin-bottom: 18px;
  letter-spacing: -.3px;
}
.hero-text p {
  font-size: 17px;
  line-height: 1.6;
  margin-bottom: 28px;
  opacity: .92;
}
.btn-get-started {
  display: inline-block;
  background: var(--red);
  color: var(--white);
  font-size: 15px;
  font-weight: 700;
  padding: 12px 30px;
  border-radius: 3px;
  transition: background .15s;
}
.btn-get-started:hover { background: var(--red-dk); }

/* Sign-In Widget */
.signin-widget {
  background: var(--white);
  width: 310px;
  flex-shrink: 0;
  box-shadow: 0 2px 24px rgba(0,0,0,.36);
}
.widget-title-bar {
  background: var(--navy);
  padding: 14px 20px;
}
.widget-title-bar h2 {
  font-size: 16px;
  font-weight: 700;
  color: var(--white);
}
#loginForm { padding: 16px 20px 0; }
.wf-group { margin-bottom: 14px; }
.wf-group label {
  display: block;
  font-size: 12px;
  font-weight: 700;
  color: var(--text);
  margin-bottom: 4px;
}
.wf-group input[type="text"],
.wf-group input[type="password"] {
  width: 100%;
  padding: 8px 10px;
  border: 1px solid #999;
  border-radius: 2px;
  font-size: 14px;
  color: var(--text);
  outline: none;
  font-family: inherit;
  transition: border-color .15s, box-shadow .15s;
}
.wf-group input:focus {
  border-color: var(--navy);
  box-shadow: 0 0 0 2px rgba(1,33,105,.18);
}
.wf-group input.wf-err { border-color: var(--red); }
.wf-hint {
  display: block;
  font-size: 11px;
  color: var(--gray-mid);
  margin-top: 3px;
}
.wf-pw-row { display: flex; }
.wf-pw-row input {
  border-radius: 2px 0 0 2px;
  flex: 1;
  border-right: none;
}
.wf-show-btn {
  background: #f0f0f0;
  border: 1px solid #999;
  border-radius: 0 2px 2px 0;
  color: var(--navy);
  font-size: 12px;
  font-weight: 700;
  padding: 0 12px;
  cursor: pointer;
  white-space: nowrap;
  transition: background .15s;
}
.wf-show-btn:hover { background: #e4e4e4; }
.wf-remember { margin-bottom: 14px; }
.wf-check-label {
  display: flex;
  align-items: center;
  gap: 7px;
  font-size: 12px;
  color: var(--text);
  cursor: pointer;
}
.wf-check-label input[type="checkbox"] {
  width: 14px; height: 14px;
  accent-color: var(--navy);
  cursor: pointer;
}
.wf-error {
  background: #fff0f0;
  border-left: 4px solid var(--red);
  color: var(--red);
  font-size: 12px;
  font-weight: 600;
  padding: 8px 10px;
  margin-bottom: 10px;
}
.btn-wf-login {
  width: 100%;
  background: var(--red);
  color: var(--white);
  border: none;
  padding: 10px;
  font-size: 15px;
  font-weight: 700;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  border-radius: 2px;
  transition: background .15s;
}
.btn-wf-login:hover { background: var(--red-dk); }
.btn-wf-login:disabled { background: #e88; cursor: not-allowed; }
.boa-spinner {
  width: 15px; height: 15px;
  border: 2px solid rgba(255,255,255,.4);
  border-top-color: var(--white);
  border-radius: 50%;
  animation: spin .7s linear infinite;
  display: inline-block;
}
@keyframes spin { to { transform: rotate(360deg); } }
.widget-links-row {
  display: flex;
  align-items: center;
  gap: 6px;
  padding: 10px 20px 0;
  font-size: 12px;
}
.widget-links-row a {
  color: var(--navy);
  text-decoration: underline;
  font-size: 12px;
  transition: color .15s;
}
.widget-links-row a:hover { color: var(--red); }
.wl-sep { color: #bbb; }
.widget-hr { height: 1px; background: var(--gray-bdr); margin: 10px 20px; }
.widget-enroll-row {
  display: flex;
  align-items: center;
  gap: 6px;
  padding: 0 20px 16px;
  font-size: 12px;
  color: var(--text);
  flex-wrap: wrap;
}
.widget-enroll-row a {
  color: var(--navy);
  font-weight: 700;
  text-decoration: underline;
  font-size: 12px;
}
.widget-enroll-row a:hover { color: var(--red); }

/* ════════════════════════════════════
   CONNECT WITH US
════════════════════════════════════ */
.connect-section {
  background: var(--white);
  border-top: 1px solid var(--gray-bdr);
  border-bottom: 1px solid var(--gray-bdr);
  padding: 32px 20px;
}
.connect-inner { max-width: 900px; margin: 0 auto; text-align: center; }
.section-heading { font-size: 20px; font-weight: 700; color: var(--text); margin-bottom: 24px; }
.connect-grid {
  display: flex;
  justify-content: center;
  gap: 48px;
  flex-wrap: wrap;
}
.connect-tile {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 10px;
  text-decoration: none;
  min-width: 90px;
}
.connect-icon-wrap {
  width: 68px; height: 68px;
  border: 2px solid var(--red);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: background .15s;
}
.connect-tile:hover .connect-icon-wrap { background: #fff5f5; }
.connect-tile span {
  font-size: 13px;
  font-weight: 700;
  color: var(--navy);
  text-decoration: underline;
  text-align: center;
  transition: color .15s;
}
.connect-tile:hover span { color: var(--red); }

/* ════════════════════════════════════
   PROMO CARDS
════════════════════════════════════ */
.promo-section { background: #f4f4f4; padding: 48px 20px; }
.promo-inner {
  max-width: 1100px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
.promo-card {
  background: var(--white);
  border: 1px solid var(--gray-bdr);
  display: flex;
  flex-direction: column;
  transition: box-shadow .2s;
}
.promo-card:hover { box-shadow: 0 4px 18px rgba(0,0,0,.12); }
.promo-img { height: 160px; background-size: cover; background-position: center; }
.promo-img-1 { background: linear-gradient(135deg, #012169 0%, #1565c0 100%); }
.promo-img-2 { background: linear-gradient(135deg, #7b1fa2 0%, #c62828 100%); }
.promo-img-3 { background: linear-gradient(135deg, #1b5e20 0%, #2e7d32 100%); }
.promo-body { padding: 20px; flex: 1; display: flex; flex-direction: column; }
.promo-kicker {
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1px;
  color: var(--red);
  margin-bottom: 8px;
}
.promo-card h3 { font-size: 16px; font-weight: 700; color: var(--text); margin-bottom: 10px; line-height: 1.3; }
.promo-card p { font-size: 13px; color: #555; line-height: 1.55; flex: 1; margin-bottom: 16px; }
.promo-cta { font-size: 13px; font-weight: 700; color: var(--navy); text-decoration: underline; transition: color .15s; }
.promo-cta:hover { color: var(--red); }
.promo-cta span { font-size: 17px; }

/* ════════════════════════════════════
   BETTER MONEY HABITS
════════════════════════════════════ */
.bmh-section { background: var(--navy); padding: 60px 20px; color: var(--white); }
.bmh-inner {
  max-width: 1100px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 380px 1fr;
  gap: 60px;
  align-items: start;
}
.bmh-eyebrow {
  font-size: 11px; font-weight: 700;
  text-transform: uppercase; letter-spacing: 1.2px;
  color: #a8c8f8; margin-bottom: 14px;
}
.bmh-text h2 { font-size: clamp(22px, 2.5vw, 30px); font-weight: 700; margin-bottom: 16px; line-height: 1.25; }
.bmh-text p { font-size: 15px; line-height: 1.6; opacity: .88; margin-bottom: 28px; }
.btn-outline-white {
  display: inline-block;
  border: 2px solid var(--white);
  color: var(--white);
  font-size: 14px;
  font-weight: 700;
  padding: 10px 22px;
  border-radius: 3px;
  transition: background .15s, color .15s;
}
.btn-outline-white:hover { background: var(--white); color: var(--navy); }
.bmh-cards { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.bmh-card {
  background: rgba(255,255,255,.08);
  border-top: 3px solid var(--red);
  padding: 20px 18px;
  display: flex; flex-direction: column; gap: 8px;
  text-decoration: none; color: var(--white);
  transition: background .2s;
}
.bmh-card:hover { background: rgba(255,255,255,.15); }
.bmh-card-num { font-size: 11px; font-weight: 700; color: #a8c8f8; letter-spacing: 1px; }
.bmh-card h4 { font-size: 14px; font-weight: 700; }
.bmh-card p { font-size: 12px; opacity: .78; line-height: 1.5; }

/* ════════════════════════════════════
   MOBILE APP SECTION
════════════════════════════════════ */
.app-section { background: var(--white); border-top: 1px solid var(--gray-bdr); padding: 60px 20px; }
.app-inner {
  max-width: 1100px; margin: 0 auto;
  display: flex; gap: 60px; align-items: center; justify-content: space-between;
}
.app-text { max-width: 480px; }
.app-text h2 { font-size: clamp(22px, 2.5vw, 28px); font-weight: 700; color: var(--text); margin-bottom: 14px; line-height: 1.3; }
.app-text p { font-size: 15px; color: #555; line-height: 1.6; margin-bottom: 24px; }
.app-store-btns { display: flex; gap: 12px; margin-bottom: 16px; }
.app-store-btn {
  display: flex; align-items: center; gap: 10px;
  background: #111; color: var(--white);
  padding: 10px 16px; border-radius: 8px;
  text-decoration: none; transition: background .15s;
}
.app-store-btn:hover { background: #333; }
.app-store-btn div { display: flex; flex-direction: column; }
.app-store-btn small { font-size: 10px; opacity: .8; }
.app-store-btn strong { font-size: 13px; }
.app-get-link { font-size: 13px; color: #555; }
.app-get-link a { color: var(--navy); text-decoration: underline; }
.app-get-link a:hover { color: var(--red); }

/* Phone mockup */
.app-phone-wrap { flex-shrink: 0; }
.phone-shell {
  width: 210px; background: #111;
  border-radius: 32px; padding: 10px;
  box-shadow: 0 20px 50px rgba(0,0,0,.25), 0 0 0 1px #333;
}
.phone-notch { width: 60px; height: 10px; background: #111; border-radius: 0 0 8px 8px; margin: 0 auto 4px; }
.phone-screen { background: #f2f2f2; border-radius: 22px; overflow: hidden; min-height: 340px; display: flex; flex-direction: column; }
.ps-header { background: var(--red); color: var(--white); font-size: 11px; font-weight: 700; padding: 10px 14px; text-align: center; }
.ps-balance-block { background: var(--navy); color: var(--white); padding: 18px 14px 14px; text-align: center; }
.ps-bal-label { font-size: 10px; text-transform: uppercase; letter-spacing: .6px; opacity: .75; margin-bottom: 4px; }
.ps-bal-amt { font-size: 24px; font-weight: 700; }
.ps-accounts { padding: 10px; display: flex; flex-direction: column; gap: 6px; }
.ps-acct-row {
  background: var(--white); border: 1px solid #e0e0e0;
  border-radius: 4px; padding: 8px 10px;
  display: flex; justify-content: space-between;
  font-size: 10px; font-weight: 600; color: var(--text);
}
.ps-quick { display: flex; justify-content: space-around; padding: 10px; border-top: 1px solid #ddd; margin-top: auto; }
.ps-quick-btn { display: flex; flex-direction: column; align-items: center; gap: 2px; font-size: 16px; }
.ps-quick-btn small { font-size: 9px; color: #555; font-weight: 600; }

/* ════════════════════════════════════
   FOOTER
════════════════════════════════════ */
.site-footer { margin-top: auto; }
.footer-cols-wrap { background: #333; padding: 40px 20px; }
.footer-cols {
  max-width: 1100px; margin: 0 auto;
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 32px;
}
.footer-col h3 {
  font-size: 12px; font-weight: 700;
  text-transform: uppercase; letter-spacing: .8px;
  color: var(--white); margin-bottom: 14px;
  padding-bottom: 8px; border-bottom: 1px solid #555;
}
.footer-col ul { display: flex; flex-direction: column; gap: 9px; }
.footer-col a { font-size: 12px; color: #bbb; transition: color .15s; line-height: 1.4; }
.footer-col a:hover { color: var(--white); text-decoration: underline; }

.footer-legal-wrap { background: #222; border-top: 1px solid #444; padding: 20px; }
.footer-legal-inner { max-width: 1100px; margin: 0 auto; text-align: center; }
.footer-legal-links { display: flex; flex-wrap: wrap; justify-content: center; gap: 4px 0; margin-bottom: 14px; }
.footer-legal-links li { display: flex; align-items: center; }
.footer-legal-links li + li::before { content: '|'; color: #555; margin: 0 10px; }
.footer-legal-links a { font-size: 11px; color: #aaa; text-decoration: underline; transition: color .15s; }
.footer-legal-links a:hover { color: var(--white); }
.footer-copy { font-size: 11px; color: #888; margin-bottom: 6px; line-height: 1.5; }
.footer-ehl { display: inline-flex; align-items: center; gap: 5px; margin-left: 10px; vertical-align: middle; }
.footer-disclosure { font-size: 10px; color: #666; max-width: 760px; margin: 6px auto 0; line-height: 1.55; }

/* ════════════════════════════════════
   RESPONSIVE
════════════════════════════════════ */
@media (max-width: 1080px) {
  .nav-link { padding: 0 9px; font-size: 12px; }
  .hdr-logo img { height: 32px; }
}
@media (max-width: 900px) {
  .primary-nav { display: none; }
  .hdr-schedule-link { display: none; }
  .hero-content { flex-direction: column; align-items: stretch; }
  .signin-widget { width: 100%; max-width: 380px; margin: 0 auto; }
  .hero-text { max-width: 100%; }
  .promo-inner { grid-template-columns: 1fr 1fr; }
  .bmh-inner { grid-template-columns: 1fr; gap: 32px; }
  .footer-cols { grid-template-columns: 1fr 1fr; }
  .app-inner { flex-direction: column; text-align: center; }
  .app-store-btns { justify-content: center; }
  .app-phone-wrap { display: none; }
}
@media (max-width: 600px) {
  .util-bar { display: none; }
  .hero-text h1 { font-size: 26px; }
  .promo-inner { grid-template-columns: 1fr; }
  .bmh-cards { grid-template-columns: 1fr; }
  .footer-cols { grid-template-columns: 1fr 1fr; gap: 20px; }
  .connect-grid { gap: 24px; }
}
@media (max-width: 420px) {
  .footer-cols { grid-template-columns: 1fr; }
}