/* Michigan First Bank -- fictional decoy site. Original content, no real
   institution cloned. Shared design system: deep navy + brass + warm paper;
   serif wordmark + system sans; guilloche engraving signature. */
:root{
  --ink:#0a1f33; --ink-2:#0f2b45; --ink-3:#16436b; --ink-4:#1d5386;
  --brass:#c19a5b; --brass-hi:#dcbd85;
  --paper:#f6f4ef; --paper-2:#efece4; --card:#fff;
  --text:#16232f; --muted:#5a6b7b; --line:#e2e6ec; --line-2:#d2dae2;
  --secure:#1f7a5c;
  --serif:Georgia,"Times New Roman",serif;
  --sans:system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
}
*{box-sizing:border-box}
body{margin:0;font-family:var(--sans);color:var(--text);background:var(--paper);
  line-height:1.55;-webkit-font-smoothing:antialiased}
a{color:var(--ink-3);text-decoration:none}
a:hover{text-decoration:underline}
.wrap{max-width:1140px;margin:0 auto;padding:0 24px}

/* FDIC notice bar */
.fdic{background:var(--ink);color:#c9d6e3;font-size:12px;letter-spacing:.01em}
.fdic .wrap{display:flex;align-items:center;gap:10px;padding:7px 24px;min-height:32px}
.fdic .mark{font-family:var(--serif);font-weight:700;color:var(--brass-hi);
  border:1px solid rgba(220,189,133,.55);border-radius:3px;padding:1px 6px;font-size:11px;letter-spacing:.08em}
.fdic .util{margin-left:auto;display:flex;gap:18px}
.fdic .util a{color:#9fb3c6}

/* Masthead */
header.mast{background:linear-gradient(180deg,#fff,#fbfaf6);border-bottom:1px solid var(--line-2);
  box-shadow:0 1px 0 rgba(10,31,51,.03)}
.mast .wrap{display:grid;grid-template-columns:auto 1fr auto;align-items:center;gap:28px;padding:16px 24px}
.brand{display:flex;align-items:center;gap:13px}
.seal{width:46px;height:46px;border-radius:50%;flex:none;display:grid;place-items:center;
  color:var(--brass);font-family:var(--serif);font-weight:700;font-size:14px;letter-spacing:.05em;
  background:radial-gradient(circle at 50% 42%, rgba(193,154,91,.14), rgba(255,255,255,0) 70%);
  border:1.5px solid rgba(193,154,91,.55);
  box-shadow:inset 0 0 0 3.5px rgba(193,154,91,.22), inset 0 0 0 4.8px rgba(255,255,255,.7)}
.wordmark{font-family:var(--serif);font-size:22px;font-weight:700;color:var(--ink);line-height:1.05}
.wordmark span{color:var(--brass)}
.wordmark small{display:block;font-family:var(--sans);font-size:10.5px;font-weight:600;
  letter-spacing:.16em;text-transform:uppercase;color:var(--muted);margin-top:2px}
nav.main{display:flex;gap:22px;justify-self:center}
nav.main a{font-size:14.5px;font-weight:600;color:#2b3d4f;padding:6px 0;border-bottom:2px solid transparent}
nav.main a:hover{color:var(--ink);border-bottom-color:var(--brass);text-decoration:none}

/* Header sign-on widget (credential capture) */
.signon{background:var(--ink);border-radius:9px;padding:12px 13px;width:300px;
  box-shadow:0 10px 30px -16px rgba(10,31,51,.6)}
.signon .st{display:flex;align-items:center;gap:7px;color:var(--brass-hi);font-size:11px;
  font-weight:700;letter-spacing:.06em;text-transform:uppercase;margin-bottom:9px}
.signon .row{display:flex;gap:8px;margin-bottom:8px}
.signon input[type=text],.signon input[type=password]{
  flex:1;min-width:0;padding:8px 9px;font-size:13px;font-family:var(--sans);
  border:1px solid #2c4a67;border-radius:5px;background:#0c2740;color:#eaf1f8}
.signon input::placeholder{color:#7f96ad}
.signon input:focus{outline:none;border-color:var(--brass);box-shadow:0 0 0 2px rgba(193,154,91,.3)}
.signon button{width:100%;padding:9px;font-size:13.5px;font-weight:650;font-family:var(--sans);
  color:var(--ink);cursor:pointer;border:none;border-radius:5px;letter-spacing:.02em;
  background:linear-gradient(180deg,var(--brass-hi),var(--brass))}
.signon button:hover{filter:brightness(1.05)}
.signon .sub{display:flex;justify-content:space-between;margin-top:9px;font-size:11.5px}
.signon .sub a{color:#9fb3c6}

/* Hero (homepage) */
.hero{position:relative;overflow:hidden;color:#eaf1f8;
  background:radial-gradient(120% 120% at 12% 0%, var(--ink-4) 0%, var(--ink-2) 40%, var(--ink) 78%)}
.hero::before{content:"";position:absolute;inset:-15%;opacity:.5;pointer-events:none;
  background:repeating-radial-gradient(circle at 22% 28%,transparent 0 8px,rgba(193,154,91,.05) 8px 9px),
             repeating-radial-gradient(circle at 80% 76%,transparent 0 11px,rgba(255,255,255,.028) 11px 12px);
  -webkit-mask-image:radial-gradient(130% 100% at 30% 20%,#000 55%,transparent);mask-image:radial-gradient(130% 100% at 30% 20%,#000 55%,transparent)}
.hero .wrap{position:relative;z-index:1;padding:64px 24px 72px;max-width:1140px}
.hero .eyebrow{font-size:12.5px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--brass-hi);margin:0 0 14px}
.hero h1{font-family:var(--serif);font-size:clamp(30px,4.4vw,52px);line-height:1.08;font-weight:700;
  margin:0 0 16px;max-width:16ch;color:#fff}
.hero h1 em{font-style:normal;color:var(--brass-hi)}
.hero p.lede{font-size:17px;color:#c4d3e2;max-width:46ch;margin:0 0 26px}
.hero .cta{display:inline-flex;gap:12px}
.btn{display:inline-block;padding:12px 22px;border-radius:7px;font-size:14.5px;font-weight:650;letter-spacing:.01em;cursor:pointer}
.btn.solid{background:var(--brass);color:var(--ink)}
.btn.solid:hover{filter:brightness(1.06);text-decoration:none}
.btn.ghost{border:1px solid rgba(255,255,255,.4);color:#eaf1f8}
.btn.ghost:hover{border-color:var(--brass-hi);text-decoration:none}

/* Interior page banner */
.pagehead{position:relative;overflow:hidden;color:#eaf1f8;
  background:radial-gradient(120% 140% at 8% 0%, var(--ink-4) 0%, var(--ink-2) 44%, var(--ink) 82%)}
.pagehead .wrap{position:relative;z-index:1;padding:40px 24px 44px}
.pagehead .crumb{font-size:12px;letter-spacing:.04em;color:#9fb8cf;margin:0 0 10px;text-transform:uppercase}
.pagehead .crumb a{color:#9fb8cf}
.pagehead h1{font-family:var(--serif);font-size:clamp(26px,3.4vw,40px);font-weight:700;margin:0 0 8px;color:#fff}
.pagehead p{font-size:16px;color:#c4d3e2;max-width:60ch;margin:0}

/* Generic content sections */
section.body{padding:48px 0}
section.body.alt{background:var(--paper-2);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
section.body h2{font-family:var(--serif);font-size:26px;color:var(--ink);margin:0 0 6px}
section.body .sub{font-size:14px;color:var(--muted);margin:0 0 26px}
.lead{font-size:17px;color:#33465a;max-width:64ch}
.cols2{display:grid;grid-template-columns:1fr 1fr;gap:34px}
.prose p{font-size:15px;color:#33465a;margin:0 0 14px;max-width:66ch}
.prose h3{font-family:var(--serif);font-size:19px;color:var(--ink);margin:22px 0 8px}
.prose ul{margin:0 0 14px;padding-left:20px;color:#33465a;font-size:15px}
.prose li{margin:5px 0}

/* Product / feature cards */
.grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.grid.g3{grid-template-columns:repeat(3,1fr)}
.grid.g2{grid-template-columns:repeat(2,1fr)}
.rcard{background:var(--card);border:1px solid var(--line-2);border-radius:10px;padding:20px 20px 18px;
  box-shadow:0 1px 2px rgba(10,31,51,.05)}
.rcard .k{font-size:13px;font-weight:600;color:var(--muted);text-transform:uppercase;letter-spacing:.05em}
.rcard .v{font-family:var(--serif);font-size:34px;font-weight:700;color:var(--ink-3);margin:6px 0 2px}
.rcard .v small{font-size:16px;color:var(--muted);font-family:var(--sans);font-weight:600}
.rcard .d{font-size:13px;color:var(--muted)}
.rcard h3{font-family:var(--serif);font-size:18px;color:var(--ink);margin:0 0 6px}
.rcard a{display:inline-block;margin-top:12px;font-size:13.5px;font-weight:600}

/* Data table */
.tbl{width:100%;border-collapse:collapse;background:var(--card);border:1px solid var(--line-2);
  border-radius:10px;overflow:hidden;font-size:14px}
.tbl th{background:var(--paper-2);text-align:left;padding:12px 16px;color:var(--muted);
  font-size:12px;text-transform:uppercase;letter-spacing:.05em;border-bottom:1px solid var(--line-2)}
.tbl td{padding:12px 16px;border-bottom:1px solid var(--line);color:#33465a}
.tbl tr:last-child td{border-bottom:none}
.tbl td.rate{font-family:var(--serif);font-weight:700;color:var(--ink-3);font-size:16px}

/* Trust strip */
.trust{background:var(--ink)}
.trust .wrap{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;padding:36px 24px;color:#cdd9e6}
.trust .t h3{font-family:var(--serif);color:#fff;font-size:17px;margin:0 0 5px;display:flex;gap:9px;align-items:center}
.trust .t h3 .tick{color:var(--brass-hi)}
.trust .t p{font-size:13.5px;margin:0;color:#a9bccd}

/* Large auth card (login / accounts gate) */
.authwrap{padding:52px 0;background:var(--paper-2);border-bottom:1px solid var(--line)}
.authcard{max-width:420px;margin:0 auto;background:var(--card);border:1px solid var(--line-2);
  border-radius:12px;box-shadow:0 18px 46px -26px rgba(10,31,51,.5);overflow:hidden}
.authcard .top{background:var(--ink);color:#eaf1f8;padding:18px 26px}
.authcard .top .st{display:flex;align-items:center;gap:8px;color:var(--brass-hi);font-size:11px;
  font-weight:700;letter-spacing:.06em;text-transform:uppercase}
.authcard .top h2{font-family:var(--serif);color:#fff;font-size:22px;margin:6px 0 0}
.authcard .form{padding:24px 26px 26px}
.authcard label{display:block;font-size:12.5px;font-weight:600;color:#33465a;margin:0 0 5px}
.authcard .field{margin-bottom:16px}
.authcard input[type=text],.authcard input[type=password]{width:100%;padding:11px 12px;font-size:15px;
  font-family:var(--sans);border:1px solid var(--line-2);border-radius:6px;background:#fff;color:var(--text)}
.authcard input:focus{outline:none;border-color:var(--brass);box-shadow:0 0 0 3px rgba(193,154,91,.22)}
.authcard button{width:100%;padding:12px;font-size:15px;font-weight:650;font-family:var(--sans);
  color:var(--ink);cursor:pointer;border:none;border-radius:6px;
  background:linear-gradient(180deg,var(--brass-hi),var(--brass))}
.authcard button:hover{filter:brightness(1.05)}
.authcard .sub{display:flex;justify-content:space-between;margin-top:14px;font-size:12.5px;color:var(--muted)}
.notice{max-width:420px;margin:0 auto 18px;background:#fff4e2;border:1px solid #e6c98f;color:#7a5a1e;
  border-radius:8px;padding:11px 14px;font-size:13.5px}
.notice b{color:#63481a}

/* Dashboard shell (accounts) */
.dash{padding:34px 0}
.dashgrid{display:grid;grid-template-columns:220px 1fr;gap:26px}
.dashnav{background:var(--card);border:1px solid var(--line-2);border-radius:10px;padding:14px}
.dashnav a{display:block;padding:9px 11px;border-radius:6px;font-size:14px;color:#33465a;font-weight:600}
.dashnav a.on{background:var(--ink);color:#fff}
.dashnav a:hover{background:var(--paper-2);text-decoration:none}
.acct{background:var(--card);border:1px solid var(--line-2);border-radius:10px;padding:18px 20px;margin-bottom:14px;
  display:flex;justify-content:space-between;align-items:center}
.acct .nm{font-family:var(--serif);font-size:17px;color:var(--ink)}
.acct .no{font-size:12.5px;color:var(--muted)}
.acct .bal{font-family:var(--serif);font-size:24px;font-weight:700;color:var(--ink-3)}
.blur{filter:blur(6px);user-select:none}

/* Contact form */
.cform{max-width:520px}
.cform .field{margin-bottom:14px}
.cform label{display:block;font-size:12.5px;font-weight:600;color:#33465a;margin:0 0 5px}
.cform input,.cform textarea{width:100%;padding:10px 12px;font-size:15px;font-family:var(--sans);
  border:1px solid var(--line-2);border-radius:6px;background:#fff;color:var(--text)}
.cform textarea{min-height:120px;resize:vertical}
.cform input:focus,.cform textarea:focus{outline:none;border-color:var(--brass);box-shadow:0 0 0 3px rgba(193,154,91,.2)}

/* Footer */
footer.site{background:var(--paper);border-top:1px solid var(--line)}
footer.site .wrap{padding:40px 24px 20px}
.fgrid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:28px;margin-bottom:26px}
.fcol h4{font-size:12px;text-transform:uppercase;letter-spacing:.08em;color:var(--muted);margin:0 0 10px}
.fcol a{display:block;font-size:13.5px;color:#33465a;padding:3px 0}
.fcol .wm{font-family:var(--serif);font-size:19px;font-weight:700;color:var(--ink)}
.fcol .wm span{color:var(--brass)}
.legal{border-top:1px solid var(--line);padding-top:16px;font-size:11.5px;color:#8296a6}
.legal .badges{font-weight:700;color:#556777;margin-bottom:6px;letter-spacing:.03em}
.legal p{margin:0}

@media (max-width:960px){
  .mast .wrap{grid-template-columns:1fr auto;gap:14px}
  nav.main{display:none}
  .signon{width:260px}
  .grid,.grid.g3{grid-template-columns:repeat(2,1fr)}
  .cols2{grid-template-columns:1fr}
  .dashgrid{grid-template-columns:1fr}
  .trust .wrap{grid-template-columns:1fr}
  .fgrid{grid-template-columns:1fr 1fr}
}
@media (max-width:560px){
  .fdic .util{display:none}
  .mast .wrap{grid-template-columns:1fr}
  .signon{width:100%}
  .grid,.grid.g2,.grid.g3{grid-template-columns:1fr}
  .fgrid{grid-template-columns:1fr}
}