/* ============================================================
   Nationwide Finance - site-wide canonical CSS.
   Brand variables, base reset, top nav (incl. More dropdown),
   footer (incl. legal row), mobile CTA bar, shared responsive.

   Page-specific styles (hero/sectors/scenarios/etc.) stay inline.
   Industry pages override --warm/--warm-soft/--brown/--cream only.
   ============================================================ */

/* Brand variables (industry pages may redefine --warm, --warm-soft,
   --brown, --cream in their own <style> block) */
:root{
  --mint:#6bd5ad;--mint-2:#54c79a;--mint-3:#1e7a52;
  --mint-soft:#d9f3e8;--mint-bg:#f4feff;--mint-bg-2:#e8f9f5;
  --teal:#012730;--teal-2:#0a3a45;
  --ink:#012730;--ink-2:#3a5258;--ink-3:#54686d;
  --line:#dcebec;--line-2:#bfd9db;
  --sans:"Questrial","Inter",system-ui,sans-serif;
}

/* Base */
*{box-sizing:border-box}
html,body{margin:0;background:#fff;color:var(--ink);font-family:var(--sans);font-size:16px;line-height:1.55;-webkit-font-smoothing:antialiased}
em,i,cite{font-style:normal;font-family:inherit}
a{color:inherit;text-decoration:none}
button{font:inherit;color:inherit;background:none;border:0;cursor:pointer}
img{max-width:100%;display:block}
.wrap{max-width:1240px;margin:0 auto;padding:0 24px}

/* ---------- Top nav ---------- */
nav.top{position:sticky;top:0;z-index:50;background:#fff;transition:background .2s,box-shadow .2s;border-bottom:1px solid transparent}
nav.top.scrolled{background:var(--teal);box-shadow:0 4px 18px rgba(1,39,48,.18)}
nav.top.scrolled .nav-links>a{color:rgba(255,255,255,.85)}
nav.top.scrolled .nav-links>a:hover{color:var(--mint)}
nav.top.scrolled .phone-pill{color:#fff}
nav.top.scrolled .menubtn{color:#fff}
nav.top.scrolled .logo .logo-d{display:none}
nav.top.scrolled .logo .logo-l{display:block}

.nav{display:flex;align-items:center;gap:36px;height:80px;flex-wrap:nowrap}
.logo{display:inline-flex;align-items:center;gap:12px}
.logo img{display:block;height:32px;width:auto}
.logo .logo-l{display:none}
.logo.dark .logo-d{display:none}
.logo.dark .logo-l{display:block}
.logo.logo-lg img{height:42px}

.nav-links{display:flex;gap:30px;font-size:15px;color:var(--ink);font-weight:400;font-synthesis:none;letter-spacing:.005em}
.nav-links a:hover{color:var(--mint-3)}
.nav-links a.on{color:var(--mint-3)}

.nav-cta{margin-left:auto;display:flex;gap:14px;align-items:center;flex-wrap:nowrap}

.phone-pill{display:flex;align-items:center;gap:10px;color:var(--ink);font-weight:700;font-size:15px}
.phone-pill .ic{width:32px;height:32px;border-radius:50%;background:var(--mint);color:var(--teal);display:grid;place-items:center}

.menubtn{display:none;place-items:center;width:42px;height:42px;border-radius:8px;color:var(--teal);background:transparent;border:0;cursor:pointer;font:inherit}
.menubtn:hover{background:var(--mint-soft)}

/* Standard mint button (used in nav CTA and elsewhere) */
.btn{font-family:inherit;font-size:14.5px;font-weight:700;padding:0 22px;height:46px;border-radius:10px;cursor:pointer;display:inline-flex;align-items:center;justify-content:center;gap:8px;transition:all .15s;border:0;text-decoration:none}
.btn-mint{background:var(--mint);color:var(--teal)}
.btn-mint:hover{background:var(--mint-2);transform:translateY(-1px);box-shadow:0 8px 20px -8px rgba(107,213,173,.6)}

/* ---------- More dropdown ---------- */
.nav-more{position:relative;display:inline-block}
.nav-more-btn{display:inline-flex;align-items:center;gap:5px;font:inherit;color:var(--ink);font-size:15px;font-weight:400;font-synthesis:none;letter-spacing:.005em;cursor:pointer;padding:0;background:transparent;border:0}
.nav-more-btn:hover,.nav-more-btn[aria-expanded="true"]{color:var(--mint-3)}
.nav-more-btn svg{transition:transform .15s}
.nav-more-btn[aria-expanded="true"] svg,.nav-more:hover .nav-more-btn svg{transform:rotate(180deg)}
nav.top.scrolled .nav-more-btn{color:rgba(255,255,255,.85)}
nav.top.scrolled .nav-more-btn:hover{color:var(--mint)}

.nav-more-panel{position:absolute;top:calc(100% + 12px);right:0;background:#fff;border:1px solid var(--line);border-radius:14px;padding:22px 24px;box-shadow:0 22px 48px -14px rgba(1,39,48,.24);min-width:380px;display:grid;grid-template-columns:1fr 1fr;gap:8px 32px;opacity:0;visibility:hidden;transform:translateY(-4px);transition:opacity .18s,transform .18s,visibility 0s linear .18s;z-index:60;color:var(--ink)}
.nav-more:hover .nav-more-panel,.nav-more:focus-within .nav-more-panel,.nav-more-btn[aria-expanded="true"]+.nav-more-panel{opacity:1;visibility:visible;transform:translateY(0);transition-delay:0s}
.nav-more-panel::before{content:"";position:absolute;top:-12px;left:0;right:0;height:12px}

.nav-more-col h5{margin:0 0 10px;font-size:11px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--mint-3);font-synthesis:none;white-space:nowrap}
.nav-more-col a{display:block;font-size:14px;color:var(--ink);padding:6px 0;text-decoration:none;font-weight:400;font-synthesis:none;letter-spacing:.005em}
.nav-more-col a:hover{color:var(--mint-3)}
nav.top.scrolled .nav-more-col a,nav.top.scrolled .nav-more-panel a{color:var(--ink)}
nav.top.scrolled .nav-more-col a:hover,nav.top.scrolled .nav-more-panel a:hover{color:var(--mint-3)}
nav.top.scrolled .nav-more-col h5{color:var(--mint-3)}

/* ---------- Footer ---------- */
footer{background:var(--teal);color:rgba(255,255,255,.7);padding:80px 0 32px;font-size:14px;border-top-left-radius:32px;border-top-right-radius:32px;margin-top:0}
.ftop{display:grid;grid-template-columns:1.4fr repeat(3,1fr);gap:48px;padding-bottom:40px;border-bottom:1px solid rgba(255,255,255,.1)}
.fcol h3,.fcol h4{color:#fff;font-size:13px;font-weight:700;margin:0 0 16px;letter-spacing:.04em}
.fcol ul{list-style:none;padding:0;margin:0;display:flex;flex-direction:column;gap:10px}
.fcol a:hover{color:var(--mint)}
.ftop .brand p{margin:14px 0 18px;line-height:1.6;max-width:300px;color:rgba(255,255,255,.65)}
.ftop .brand .phone-pill{color:#fff;font-size:18px}
.ftop .brand .phone-pill .ic{background:var(--mint);color:var(--teal)}

footer .fproc{display:flex;flex-wrap:wrap;gap:24px;padding:24px 0;border-top:1px solid rgba(255,255,255,.08);border-bottom:1px solid rgba(255,255,255,.08)}
footer .fproc a{color:rgba(255,255,255,.78);font-size:13px;font-weight:600;font-synthesis:none;letter-spacing:.005em;text-decoration:none;transition:color .15s}
footer .fproc a:hover{color:var(--mint)}
footer .fdisclosure{padding:24px 0 18px}
footer .fdisclosure p{margin:0;color:rgba(255,255,255,.55);font-size:12px;line-height:1.65;max-width:none}

footer .fbot{padding-top:18px;border-top:1px solid rgba(255,255,255,.08);display:flex;justify-content:space-between;align-items:center;color:rgba(255,255,255,.5);font-size:12px;flex-wrap:wrap;gap:12px}
footer .fbot .reg{font-weight:600;letter-spacing:.04em;text-transform:uppercase;font-size:11px}
footer .flegal{display:flex;gap:18px;flex-wrap:wrap}
footer .flegal a{color:rgba(255,255,255,.65);font-size:12px;text-decoration:none}
footer .flegal a:hover{color:var(--mint)}

/* ---------- Mobile CTA bar ---------- */
.mob-cta{display:none;position:fixed;bottom:0;left:0;right:0;z-index:60;background:#fff;border-top:1px solid var(--line);padding:10px;box-shadow:0 -8px 24px -8px rgba(1,39,48,.14);gap:8px}
.mob-cta a{flex:1;display:flex;align-items:center;justify-content:center;gap:8px;height:50px;border-radius:10px;font-size:14.5px;font-weight:700;text-decoration:none;font-family:inherit}
.mob-cta .apply{background:var(--mint);color:var(--teal)}
.mob-cta .apply:hover{background:var(--mint-2)}
.mob-cta .call{background:#fff;color:var(--teal);border:1.5px solid var(--line)}
.mob-cta .call svg{color:var(--mint-3)}

/* ---------- Responsive ---------- */
@media (max-width:1200px){.nav-more-panel{min-width:360px;gap:8px 24px}}
@media (max-width:1180px){nav.top .nav{gap:24px} nav.top .nav-links{gap:22px}}
@media (max-width:1100px){nav.top .phone-pill span:not(.ic){display:none} nav.top .phone-pill .ic{display:grid}}
@media (max-width:980px){
  .nav-links{display:none}
  .nav-cta .btn-mint,.nav-cta .btn,.nav-cta .btn-teal{display:none}
  .phone-pill .ic{display:grid}
  .phone-pill span:not(.ic){display:none}
  .menubtn{display:grid}
  .nav{height:64px;gap:14px}
  .nav-more{display:none}
  .ftop{grid-template-columns:1fr 1fr;gap:28px}
  .ftop .brand{grid-column:1/-1}
}
@media (max-width:768px){
  .mob-cta{display:flex}
  body{padding-bottom:78px}
  footer .fbot{flex-direction:column;align-items:flex-start;text-align:left;gap:14px}
  footer .fproc{gap:14px;padding:18px 0}
  footer .fproc a{font-size:12.5px}
  footer .fdisclosure p{font-size:11.5px}
}
@media (max-width:520px){
  .ftop{grid-template-columns:1fr}
}