/* ==========================================================================
   FEDERAL MORGAN INDUSTRIAL BANK DESIGN SYSTEM & RESPONSIVE THEME
   ========================================================================== */

:root {
  --wf-red: #d71e28;
  --wf-red-hover: #b8141d;
  --wf-dark-red: #8f0f16;
  --wf-gold: #ffcd41;
  --wf-dark-gold: #d49b00;
  --wf-gold-soft: #fff8e7;
  --wf-magenta: #b31b6a;
  --wf-purple: #7a1d5a;
  --wf-purple-soft: #fbf0f6;
  
  --wf-bg-cream: #f4f0ed;
  --wf-bg-light: #f8f7f5;
  --wf-bg-white: #ffffff;
  
  --wf-text-dark: #1a1a1a;
  --wf-text-body: #333333;
  --wf-text-muted: #53565a;
  --wf-text-light: #707376;
  --wf-link-blue: #004c97;
  --wf-link-blue-hover: #002d5b;
  
  --wf-border: #e2ddd9;
  --wf-border-light: #ede9e5;
  --wf-border-focus: #5b2d82;
  
  --wf-shadow-sm: 0 2px 8px rgba(0, 0, 0, 0.06);
  --wf-shadow-md: 0 4px 16px rgba(0, 0, 0, 0.09);
  --wf-shadow-lg: 0 10px 30px rgba(0, 0, 0, 0.12);
  
  --wf-radius-sm: 6px;
  --wf-radius-md: 12px;
  --wf-radius-lg: 18px;
  --wf-radius-pill: 50px;
  
  --wf-font: 'Segoe UI', -apple-system, BlinkMacSystemFont, Roboto, 'Helvetica Neue', Arial, sans-serif;
  --wf-font-serif: Georgia, 'Times New Roman', serif;
}

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

body {
  font-family: var(--wf-font);
  color: var(--wf-text-body);
  background-color: var(--wf-bg-white);
  margin: 0;
  padding: 0;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

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

a {
  color: var(--wf-link-blue);
  text-decoration: none;
  transition: color 0.2s ease;
}

a:hover {
  color: var(--wf-link-blue-hover);
  text-decoration: underline;
}

/* ==========================================================================
   HEADER & NAVIGATION
   ========================================================================== */

.wf-header {
  position: relative;
  z-index: 1000;
  background: var(--wf-bg-white);
  box-shadow: var(--wf-shadow-sm);
}

/* Top Red Header Bar */
.wf-top-bar {
  background-color: var(--wf-red);
  color: #ffffff;
  padding: 10px 0;
}

.wf-top-bar-inner {
  max-width: 1240px;
  margin: 0 auto;
  padding: 0 16px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
}

.wf-fdic-top-badge {
  height: 28px;
  width: auto;
  border-radius: 3px;
  box-shadow: 0 1px 4px rgba(0, 0, 0, 0.2);
  display: inline-block;
  vertical-align: middle;
  transition: transform 0.2s ease;
}

.wf-fdic-top-badge:hover {
  transform: scale(1.04);
}

.wf-logo {
  display: flex;
  align-items: center;
  text-decoration: none !important;
  color: #ffffff !important;
}

.wf-logo-text {
  font-family: var(--wf-font-serif);
  font-size: clamp(16px, 2.5vw, 22px);
  font-weight: 700;
  letter-spacing: 1px;
  text-transform: uppercase;
  color: #ffffff;
  margin: 0;
  display: inline-flex;
  align-items: center;
  gap: 8px;
}

.wf-logo-badge {
  background: #ffffff;
  color: var(--wf-red);
  font-family: var(--wf-font);
  font-weight: 900;
  font-size: 12px;
  padding: 2px 7px;
  border-radius: 4px;
  letter-spacing: 0.5px;
}

.wf-top-links {
  display: flex;
  align-items: center;
  gap: 16px;
  list-style: none;
  margin: 0;
  padding: 0;
}

.wf-top-link-item {
  color: #ffffff;
  font-size: 13px;
  font-weight: 500;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  text-decoration: none;
  cursor: pointer;
  white-space: nowrap;
}

.wf-top-link-item:hover {
  text-decoration: underline;
  color: #ffffff;
}

.wf-sign-on-top-btn {
  background-color: #ffffff;
  color: var(--wf-red) !important;
  font-weight: 700;
  font-size: 13px;
  padding: 6px 18px;
  border-radius: var(--wf-radius-pill);
  border: 1px solid transparent;
  transition: all 0.2s ease;
  text-decoration: none !important;
  display: inline-flex;
  align-items: center;
  white-space: nowrap;
}

.wf-sign-on-top-btn:hover {
  background-color: #f7f7f7;
  transform: translateY(-1px);
  box-shadow: 0 2px 6px rgba(0,0,0,0.15);
}

/* Mobile Hamburger Button */
.wf-mobile-toggle-btn {
  display: none;
  background: transparent;
  border: none;
  color: #ffffff;
  font-size: 22px;
  cursor: pointer;
  padding: 6px 10px;
  line-height: 1;
}

@media (max-width: 991px) {
  .wf-mobile-toggle-btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
  }
}

/* Primary Navigation Bar */
.wf-primary-nav {
  background: #ffffff;
  border-bottom: 1px solid var(--wf-border-light);
}

.wf-primary-nav-inner {
  max-width: 1240px;
  margin: 0 auto;
  padding: 0 16px;
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.wf-main-tabs {
  display: flex;
  list-style: none;
  margin: 0;
  padding: 0;
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
  white-space: nowrap;
  scrollbar-width: none;
}

.wf-main-tabs::-webkit-scrollbar {
  display: none;
}

.wf-main-tab-item {
  position: relative;
  flex-shrink: 0;
}

.wf-main-tab-link {
  display: block;
  padding: 14px 16px;
  font-size: 14.5px;
  font-weight: 600;
  color: var(--wf-text-body);
  text-decoration: none !important;
  border-bottom: 3px solid transparent;
  transition: all 0.2s ease;
}

.wf-main-tab-link:hover {
  color: var(--wf-red);
}

.wf-main-tab-item.active .wf-main-tab-link {
  color: var(--wf-text-dark);
  font-weight: 700;
  border-bottom: 3px solid var(--wf-red);
}

/* Secondary Submenu Bar */
.wf-sub-nav {
  background: #ffffff;
  border-bottom: 1px solid var(--wf-border);
}

.wf-sub-nav-inner {
  max-width: 1240px;
  margin: 0 auto;
  padding: 0 16px;
  display: flex;
  align-items: center;
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
  white-space: nowrap;
  scrollbar-width: none;
}

.wf-sub-nav-inner::-webkit-scrollbar {
  display: none;
}

.wf-sub-links {
  display: flex;
  gap: 20px;
  list-style: none;
  margin: 0;
  padding: 10px 0;
}

.wf-sub-link-item {
  flex-shrink: 0;
}

.wf-sub-link-item a {
  font-size: 13.5px;
  font-weight: 500;
  color: var(--wf-text-muted);
  text-decoration: none;
  transition: color 0.2s ease;
}

.wf-sub-link-item a:hover,
.wf-sub-link-item.active a {
  color: var(--wf-text-dark);
  font-weight: 600;
  text-decoration: underline;
}

/* ==========================================================================
   MOBILE OFF-CANVAS DRAWER MENU
   ========================================================================== */

.wf-drawer-backdrop {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: rgba(0, 0, 0, 0.55);
  z-index: 1050;
  opacity: 0;
  visibility: hidden;
  transition: all 0.3s ease;
}

.wf-drawer-backdrop.active {
  opacity: 1;
  visibility: visible;
}

.wf-mobile-drawer {
  position: fixed;
  top: 0;
  left: -320px;
  width: 300px;
  max-width: 85vw;
  height: 100vh;
  background: #ffffff;
  z-index: 1060;
  box-shadow: 4px 0 20px rgba(0, 0, 0, 0.25);
  overflow-y: auto;
  transition: left 0.3s cubic-bezier(0.4, 0, 0.2, 1);
  display: flex;
  flex-direction: column;
}

.wf-mobile-drawer.active {
  left: 0;
}

.wf-drawer-header {
  background: var(--wf-red);
  color: #ffffff;
  padding: 18px 20px;
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.wf-drawer-close-btn {
  background: transparent;
  border: none;
  color: #ffffff;
  font-size: 20px;
  cursor: pointer;
  padding: 4px 8px;
}

.wf-drawer-body {
  padding: 20px;
  flex-grow: 1;
}

.wf-drawer-section-title {
  font-size: 11px;
  font-weight: 800;
  text-transform: uppercase;
  color: var(--wf-text-light);
  letter-spacing: 1px;
  margin: 16px 0 8px 0;
}

.wf-drawer-list {
  list-style: none;
  padding: 0;
  margin: 0 0 16px 0;
  display: flex;
  flex-direction: column;
  gap: 2px;
}

.wf-drawer-list a {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 10px 12px;
  color: var(--wf-text-dark);
  font-size: 14.5px;
  font-weight: 600;
  border-radius: var(--wf-radius-sm);
  text-decoration: none;
  transition: background 0.15s ease;
}

.wf-drawer-list a:hover {
  background: var(--wf-bg-cream);
  color: var(--wf-red);
}

.wf-drawer-list a i {
  width: 18px;
  text-align: center;
  color: var(--wf-red);
}

/* ==========================================================================
   HOMEPAGE HERO & SIGN-ON CARD (RESPONSIVE)
   ========================================================================== */

.wf-hero-section {
  position: relative;
  background-color: #0f172a;
  background-image: linear-gradient(110deg, rgba(15, 23, 42, 0.88) 0%, rgba(15, 23, 42, 0.68) 50%, rgba(15, 23, 42, 0.35) 100%), url('../images/hero-landscape.jpg');
  background-size: cover;
  background-position: center center;
  background-repeat: no-repeat;
  padding: clamp(35px, 5vw, 60px) 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

.wf-hero-container {
  max-width: 1240px;
  margin: 0 auto;
  padding: 0 16px;
}

.wf-hero-grid {
  display: grid;
  grid-template-columns: 360px 1fr;
  gap: clamp(20px, 3vw, 40px);
  align-items: center;
}

@media (max-width: 991px) {
  .wf-hero-grid {
    grid-template-columns: 1fr;
    gap: 30px;
  }
}

/* Sign-On Card */
.wf-signon-card {
  background: #ffffff;
  border-radius: var(--wf-radius-md);
  border: 1px solid var(--wf-border);
  box-shadow: var(--wf-shadow-md);
  padding: clamp(20px, 3vw, 28px);
}

.wf-signon-card h2 {
  font-size: clamp(20px, 2.5vw, 24px);
  font-weight: 700;
  color: var(--wf-text-dark);
  margin: 0 0 6px 0;
}

.wf-signon-card p.wf-signon-subtitle {
  font-size: 14px;
  color: var(--wf-text-muted);
  margin: 0 0 18px 0;
}

.wf-form-group {
  margin-bottom: 16px;
  position: relative;
}

.wf-form-control {
  width: 100%;
  box-sizing: border-box;
  padding: 12px 14px;
  font-size: 15px;
  border: 1.5px solid #a6a6a6;
  border-radius: var(--wf-radius-sm);
  color: var(--wf-text-dark);
  background-color: #ffffff;
  outline: none;
  transition: border-color 0.2s ease, box-shadow 0.2s ease;
  min-height: 44px;
}

.wf-form-control:focus {
  border-color: var(--wf-border-focus);
  box-shadow: 0 0 0 3px rgba(91, 45, 130, 0.15);
}

.wf-pwd-wrapper {
  position: relative;
}

.wf-pwd-toggle {
  position: absolute;
  right: 14px;
  top: 50%;
  transform: translateY(-50%);
  background: none;
  border: none;
  color: var(--wf-link-blue);
  font-weight: 600;
  font-size: 13.5px;
  cursor: pointer;
  padding: 6px;
}

.wf-remember-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 18px;
  font-size: 13.5px;
  flex-wrap: wrap;
  gap: 8px;
}

.wf-checkbox-label {
  display: flex;
  align-items: center;
  gap: 8px;
  color: var(--wf-text-body);
  cursor: pointer;
}

.wf-checkbox-label input[type="checkbox"] {
  width: 18px;
  height: 18px;
  accent-color: var(--wf-red);
  cursor: pointer;
}

.wf-signon-actions {
  display: flex;
  align-items: center;
  gap: 16px;
  margin-bottom: 20px;
}

.wf-btn-red {
  background-color: var(--wf-red);
  color: #ffffff !important;
  font-size: 15px;
  font-weight: 600;
  padding: 10px 28px;
  border-radius: var(--wf-radius-pill);
  border: 1px solid var(--wf-red);
  cursor: pointer;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  transition: all 0.2s ease;
  text-decoration: none !important;
  min-height: 44px;
}

.wf-btn-red:hover {
  background-color: var(--wf-red-hover);
  border-color: var(--wf-red-hover);
  transform: translateY(-1px);
  box-shadow: 0 4px 10px rgba(215, 30, 40, 0.25);
}

.wf-enroll-link {
  font-size: 15px;
  font-weight: 600;
  color: var(--wf-link-blue);
  text-decoration: none;
}

.wf-enroll-link:hover {
  text-decoration: underline;
}

.wf-signon-footer-links {
  border-top: 1px solid var(--wf-border-light);
  padding-top: 16px;
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.wf-signon-footer-links a {
  font-size: 13.5px;
  color: var(--wf-link-blue);
}

/* Hero Right Promo Content */
.wf-hero-promo {
  padding: 10px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  flex-wrap: wrap;
}

.wf-hero-promo-text h1 {
  font-size: clamp(28px, 4vw, 44px);
  font-weight: 800;
  color: #ffffff;
  line-height: 1.15;
  margin: 0 0 14px 0;
  letter-spacing: -0.5px;
  text-shadow: 0 2px 10px rgba(0, 0, 0, 0.5);
}

.wf-hero-promo-text p {
  font-size: clamp(15px, 2vw, 18px);
  color: #f1f5f9;
  line-height: 1.5;
  margin: 0 0 24px 0;
  max-width: 480px;
  text-shadow: 0 1px 5px rgba(0, 0, 0, 0.4);
}

.wf-btn-pill-outline {
  background: transparent;
  color: var(--wf-text-dark);
  font-size: 15px;
  font-weight: 700;
  padding: 10px 28px;
  border-radius: var(--wf-radius-pill);
  border: 1.5px solid var(--wf-text-dark);
  display: inline-flex;
  align-items: center;
  gap: 8px;
  transition: all 0.2s ease;
  text-decoration: none !important;
  min-height: 44px;
}

.wf-btn-pill-outline:hover {
  background: var(--wf-text-dark);
  color: #ffffff;
  transform: translateY(-1px);
}

.wf-hero-promo .wf-btn-pill-outline {
  background: rgba(255, 255, 255, 0.18);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  color: #ffffff;
  border-color: #ffffff;
}

.wf-hero-promo .wf-btn-pill-outline:hover {
  background: #ffffff;
  color: var(--wf-red);
}

.wf-bonus-badge-card {
  background: rgba(255, 255, 255, 0.95);
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  border: 1px solid rgba(255, 255, 255, 0.8);
  border-radius: var(--wf-radius-md);
  padding: 20px 24px;
  text-align: center;
  box-shadow: 0 10px 25px rgba(0, 0, 0, 0.2);
  min-width: 170px;
}

.wf-bonus-badge-tag {
  color: var(--wf-magenta);
  font-size: 14px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1px;
  border-top: 3px solid var(--wf-magenta);
  display: inline-block;
  padding-top: 4px;
  margin-bottom: 2px;
}

.wf-bonus-badge-amount {
  font-size: clamp(32px, 4vw, 44px);
  font-weight: 900;
  color: var(--wf-magenta);
  line-height: 1;
  border-bottom: 3px solid var(--wf-magenta);
  display: inline-block;
  padding-bottom: 4px;
}

/* ==========================================================================
   4-COLUMN PRODUCT CARDS & OFFERS (RESPONSIVE)
   ========================================================================== */

.wf-section {
  padding: clamp(32px, 5vw, 50px) 0;
}

.wf-section-container {
  max-width: 1240px;
  margin: 0 auto;
  padding: 0 16px;
}

.wf-product-cards-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}

@media (max-width: 1100px) {
  .wf-product-cards-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 600px) {
  .wf-product-cards-grid {
    grid-template-columns: 1fr;
  }
}

.wf-product-card {
  background: #ffffff;
  border-radius: var(--wf-radius-md);
  border: 1px solid var(--wf-border);
  padding: clamp(18px, 2.5vw, 24px);
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  box-shadow: var(--wf-shadow-sm);
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}

.wf-product-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--wf-shadow-md);
}

.wf-card-icon {
  font-size: 30px;
  margin-bottom: 14px;
  display: inline-block;
}

.wf-product-card h3 {
  font-size: clamp(17px, 2vw, 19px);
  font-weight: 700;
  color: var(--wf-text-dark);
  margin: 0 0 8px 0;
  line-height: 1.3;
}

.wf-product-card p {
  font-size: 14px;
  color: var(--wf-text-muted);
  line-height: 1.5;
  margin: 0 0 18px 0;
  flex-grow: 1;
}

.wf-card-action-link {
  font-size: 14px;
  font-weight: 700;
  color: var(--wf-purple);
  display: inline-flex;
  align-items: center;
  gap: 6px;
  text-decoration: none;
  min-height: 36px;
}

.wf-card-action-link:hover {
  text-decoration: underline;
  color: var(--wf-magenta);
}

/* Rate widget card */
.wf-rate-card {
  background: #ffffff;
  border-radius: var(--wf-radius-md);
  border: 1px solid var(--wf-border);
  padding: clamp(18px, 2.5vw, 24px);
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}

.wf-rate-graphic {
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 12px 0;
}

.wf-rate-circle {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: var(--wf-gold);
  color: #ffffff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 28px;
  font-weight: 900;
  box-shadow: 0 4px 12px rgba(255, 205, 65, 0.4);
}

/* ==========================================================================
   FEATURED LARGE PROMO BANNER (RESPONSIVE)
   ========================================================================== */

.wf-banner-promo {
  background: linear-gradient(90deg, #eef4f8 0%, #dbe8f2 100%);
  border-radius: var(--wf-radius-md);
  border: 1px solid var(--wf-border);
  overflow: hidden;
  margin: 20px 0 40px 0;
  position: relative;
}

.wf-banner-promo-inner {
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  padding: clamp(24px, 4vw, 40px) clamp(20px, 4vw, 45px);
  align-items: center;
  gap: 24px;
}

@media (max-width: 900px) {
  .wf-banner-promo-inner {
    grid-template-columns: 1fr;
    padding: 24px 20px;
  }
}

.wf-banner-promo h2 {
  font-size: clamp(24px, 3.5vw, 36px);
  font-weight: 800;
  color: var(--wf-text-dark);
  line-height: 1.2;
  margin: 0 0 10px 0;
}

.wf-banner-promo p {
  font-size: clamp(15px, 2vw, 17px);
  color: var(--wf-text-muted);
  margin: 0 0 22px 0;
}

.wf-credit-card-preview {
  background: linear-gradient(135deg, #f37023 0%, #e05b11 100%);
  border-radius: 14px;
  padding: 20px;
  color: #ffffff;
  box-shadow: 0 12px 24px rgba(224, 91, 17, 0.3);
  position: relative;
  max-width: 320px;
  margin: 0 auto;
  width: 100%;
}

.wf-card-chip {
  width: 38px;
  height: 28px;
  background: #e6c875;
  border-radius: 5px;
  margin-bottom: 20px;
}

.wf-card-brand {
  font-weight: 800;
  font-size: 15px;
  letter-spacing: 1px;
  text-transform: uppercase;
}

/* ==========================================================================
   STORE APP SECTION (RESPONSIVE)
   ========================================================================== */

.wf-app-section {
  background: linear-gradient(135deg, #1c2b39 0%, #0d151c 100%);
  border-radius: var(--wf-radius-md);
  color: #ffffff;
  padding: clamp(28px, 4vw, 44px) clamp(20px, 4vw, 36px);
  margin: 30px 0 40px 0;
  position: relative;
  overflow: hidden;
  box-shadow: var(--wf-shadow-lg);
}

.wf-app-section::after {
  content: '';
  position: absolute;
  right: -50px;
  bottom: -50px;
  width: 300px;
  height: 300px;
  background: radial-gradient(circle, rgba(215, 30, 40, 0.25) 0%, rgba(215, 30, 40, 0) 70%);
  border-radius: 50%;
}

.wf-app-inner {
  display: grid;
  grid-template-columns: 1.3fr 1fr;
  align-items: center;
  gap: 32px;
  position: relative;
  z-index: 2;
}

@media (max-width: 850px) {
  .wf-app-inner {
    grid-template-columns: 1fr;
  }
}

.wf-app-badge-comingsoon {
  display: inline-block;
  background: rgba(255, 205, 65, 0.2);
  color: var(--wf-gold);
  border: 1px solid var(--wf-gold);
  padding: 3px 10px;
  border-radius: var(--wf-radius-pill);
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 1.2px;
  text-transform: uppercase;
  margin-bottom: 12px;
}

.wf-app-title {
  font-size: clamp(22px, 3.2vw, 32px);
  font-weight: 800;
  color: #ffffff;
  margin: 0 0 12px 0;
  line-height: 1.2;
}

.wf-app-desc {
  font-size: 15px;
  color: #cfd6dc;
  margin: 0 0 24px 0;
  line-height: 1.6;
}

.wf-app-store-btns {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
}

.wf-store-btn {
  background: #ffffff;
  color: var(--wf-text-dark) !important;
  border-radius: 10px;
  padding: 8px 16px;
  display: inline-flex;
  align-items: center;
  gap: 12px;
  text-decoration: none !important;
  box-shadow: 0 4px 14px rgba(0, 0, 0, 0.2);
  position: relative;
  transition: transform 0.2s ease, box-shadow 0.2s ease;
  min-height: 48px;
}

.wf-store-btn:hover {
  transform: translateY(-2px);
  box-shadow: 0 6px 18px rgba(0, 0, 0, 0.3);
}

.wf-store-btn-icon {
  font-size: 24px;
  color: var(--wf-red);
}

.wf-store-btn-text {
  display: flex;
  flex-direction: column;
}

.wf-store-btn-subtitle {
  font-size: 9px;
  font-weight: 700;
  text-transform: uppercase;
  color: var(--wf-text-muted);
  letter-spacing: 0.5px;
}

.wf-store-btn-title {
  font-size: 15px;
  font-weight: 800;
  color: var(--wf-text-dark);
  line-height: 1.1;
}

.wf-store-btn-tag {
  background: #fff0f1;
  color: var(--wf-red);
  font-size: 8.5px;
  font-weight: 800;
  padding: 1px 5px;
  border-radius: 4px;
  margin-top: 2px;
  display: inline-block;
  letter-spacing: 0.5px;
  text-transform: uppercase;
}

.wf-app-features-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}

@media (max-width: 480px) {
  .wf-app-features-grid {
    grid-template-columns: 1fr;
  }
}

.wf-app-feature-item {
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: var(--wf-radius-sm);
  padding: 12px 14px;
  display: flex;
  align-items: center;
  gap: 10px;
}

.wf-app-feature-icon {
  font-size: 18px;
  color: var(--wf-gold);
}

.wf-app-feature-text {
  font-size: 13px;
  font-weight: 600;
  color: #ffffff;
}

/* ==========================================================================
   2-COLUMN BUSINESS & RESOURCE CARDS (RESPONSIVE)
   ========================================================================== */

.wf-section-header {
  margin-bottom: 24px;
}

.wf-section-header h2 {
  font-size: clamp(22px, 3vw, 28px);
  font-weight: 800;
  color: var(--wf-text-dark);
  margin: 0 0 6px 0;
}

.wf-2col-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
}

@media (max-width: 768px) {
  .wf-2col-grid {
    grid-template-columns: 1fr;
  }
}

.wf-feature-card {
  background: #ffffff;
  border-radius: var(--wf-radius-md);
  border: 1px solid var(--wf-border);
  overflow: hidden;
  box-shadow: var(--wf-shadow-sm);
  display: flex;
  flex-direction: column;
}

.wf-feature-card-img {
  width: 100%;
  height: 220px;
  object-fit: cover;
}

.wf-feature-card-body {
  padding: clamp(18px, 3vw, 24px);
  display: flex;
  flex-direction: column;
  flex-grow: 1;
}

.wf-feature-card-body h3 {
  font-size: clamp(18px, 2.2vw, 21px);
  font-weight: 700;
  color: var(--wf-text-dark);
  margin: 0 0 8px 0;
}

.wf-feature-card-body p {
  font-size: 14.5px;
  color: var(--wf-text-muted);
  line-height: 1.5;
  margin: 0 0 20px 0;
  flex-grow: 1;
}

/* How can we help widget */
.wf-help-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
}

@media (max-width: 900px) {
  .wf-help-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 500px) {
  .wf-help-grid {
    grid-template-columns: 1fr;
  }
}

.wf-help-card {
  background: var(--wf-bg-light);
  border-radius: var(--wf-radius-sm);
  border: 1px solid var(--wf-border);
  padding: 18px 14px;
  text-align: center;
  transition: all 0.2s ease;
  cursor: pointer;
  text-decoration: none !important;
  color: var(--wf-text-dark) !important;
  min-height: 90px;
  display: flex;
  flex-direction: column;
  justify-content: center;
  align-items: center;
}

.wf-help-card:hover {
  background: #ffffff;
  border-color: var(--wf-red);
  transform: translateY(-2px);
  box-shadow: var(--wf-shadow-sm);
}

.wf-help-icon {
  font-size: 24px;
  color: var(--wf-red);
  margin-bottom: 8px;
}

.wf-help-card h4 {
  font-size: 14px;
  font-weight: 700;
  margin: 0;
}

/* ==========================================================================
   PAGE BANNER & SUBPAGE HEADERS
   ========================================================================== */

.wf-subpage-header {
  background: var(--wf-bg-cream);
  border-bottom: 1px solid var(--wf-border);
  padding: clamp(24px, 4vw, 36px) 0;
}

.wf-subpage-header h1 {
  font-size: clamp(24px, 3.5vw, 32px);
  font-weight: 800;
  color: var(--wf-text-dark);
  margin: 0 0 6px 0;
}

.wf-breadcrumbs {
  font-size: 13px;
  color: var(--wf-text-muted);
  display: flex;
  gap: 8px;
  align-items: center;
  flex-wrap: wrap;
}

.wf-breadcrumbs a {
  color: var(--wf-link-blue);
}

/* ==========================================================================
   DISCLOSURES & FOOTER (RESPONSIVE)
   ========================================================================== */

.wf-footer {
  background-color: #ffffff;
  border-top: 1px solid var(--wf-border);
  color: var(--wf-text-body);
  font-size: 13px;
  line-height: 1.6;
}

/* Footer Quick Actions Top Bar */
.wf-footer-actions {
  border-bottom: 1px solid var(--wf-border);
  padding: 20px 0;
  background-color: var(--wf-bg-light);
}

.wf-footer-actions-inner {
  max-width: 1240px;
  margin: 0 auto;
  padding: 0 16px;
  display: flex;
  align-items: center;
  justify-content: flex-start;
  gap: 24px;
  flex-wrap: wrap;
}

.wf-action-btn {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-size: 14.5px;
  font-weight: 600;
  color: var(--wf-text-dark);
  text-decoration: none;
  cursor: pointer;
  min-height: 44px;
}

.wf-action-btn:hover {
  color: var(--wf-red);
  text-decoration: none;
}

.wf-action-icon-circle {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: #767676;
  color: #ffffff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 16px;
  flex-shrink: 0;
}

.wf-action-btn.wf-purple-action .wf-action-icon-circle {
  background: #6a2c70;
}

.wf-action-btn.wf-purple-action {
  color: #6a2c70;
}

/* Disclosures Section */
.wf-disclosures-section {
  max-width: 1240px;
  margin: 0 auto;
  padding: 30px 16px;
  color: var(--wf-text-muted);
  font-size: 12px;
  line-height: 1.7;
}

.wf-disclosures-section ol {
  padding-left: 18px;
  margin-bottom: 16px;
}

.wf-disclosures-section p {
  margin-bottom: 12px;
}

.wf-housing-lender {
  display: flex;
  align-items: center;
  gap: 8px;
  font-weight: 700;
  color: var(--wf-text-dark);
  margin: 18px 0 10px 0;
  font-size: 13px;
}

/* Legal Bottom Bar */
.wf-legal-bottom {
  border-top: 1px solid var(--wf-border);
  padding: 18px 0;
  background-color: #ffffff;
}

.wf-legal-bottom-inner {
  max-width: 1240px;
  margin: 0 auto;
  padding: 0 16px;
  display: flex;
  flex-wrap: wrap;
  gap: 8px 16px;
  align-items: center;
}

.wf-legal-link {
  font-size: 12px;
  color: var(--wf-link-blue);
  text-decoration: none;
}

.wf-legal-link:hover {
  text-decoration: underline;
}

.wf-legal-divider {
  color: #ccc;
}

@media (max-width: 768px) {
  .wf-legal-divider {
    display: none;
  }
  .wf-legal-bottom-inner {
    flex-direction: column;
    align-items: flex-start;
    gap: 10px;
  }
}

/* ==========================================================================
   AUTH & FORMS (SIGN ON, ENROLL, CONFIRM, APPOINTMENT) (RESPONSIVE)
   ========================================================================== */

.wf-auth-page {
  background-color: var(--wf-bg-cream);
  min-height: calc(100vh - 250px);
  padding: clamp(24px, 4vw, 50px) 16px;
}

.wf-auth-card {
  max-width: 600px;
  margin: 0 auto;
  background: #ffffff;
  border-radius: var(--wf-radius-md);
  border: 1px solid var(--wf-border);
  box-shadow: var(--wf-shadow-md);
  padding: clamp(20px, 4vw, 36px);
  width: 100%;
}

.wf-auth-card-wide {
  max-width: 820px;
}

.wf-auth-card h2 {
  font-size: clamp(20px, 3vw, 26px);
  font-weight: 800;
  color: var(--wf-text-dark);
  margin: 0 0 8px 0;
}

.wf-auth-card p.wf-auth-desc {
  font-size: 14px;
  color: var(--wf-text-muted);
  margin: 0 0 22px 0;
}

.wf-form-label {
  display: block;
  font-size: 13.5px;
  font-weight: 600;
  color: var(--wf-text-dark);
  margin-bottom: 6px;
}

/* ==========================================================================
   GLOBAL RESPONSIVE OPTIMIZATIONS & UTILITIES
   ========================================================================== */

@media (max-width: 991px) {
  .wf-header .wf-top-bar {
    padding: 8px 0;
  }
  
  .wf-primary-nav {
    border-bottom: 1px solid var(--wf-border);
  }
  
  .wf-main-tab-link {
    padding: 10px 14px;
    font-size: 13.5px;
  }
  
  .wf-sub-links {
    padding: 8px 0;
    gap: 14px;
  }
  
  .wf-sub-link-item a {
    font-size: 12.5px;
  }
}

@media (max-width: 768px) {
  .wf-logo-text {
    font-size: 15px;
    letter-spacing: 0.5px;
  }
  
  .wf-logo-badge {
    font-size: 10px;
    padding: 1px 5px;
  }

  .wf-sign-on-top-btn {
    padding: 5px 12px;
    font-size: 12px;
  }

  .wf-hero-section {
    padding: 20px 0 30px 0;
  }

  .wf-banner-promo {
    margin: 15px 0 25px 0;
  }

  .wf-credit-card-preview {
    max-width: 280px;
    padding: 16px;
  }

  .wf-auth-card {
    padding: 20px 16px;
  }

  .wf-footer-actions-inner {
    flex-direction: column;
    align-items: stretch;
    gap: 12px;
  }

  .wf-action-btn {
    width: 100%;
    padding: 10px 12px;
    background: #ffffff;
    border-radius: var(--wf-radius-sm);
    border: 1px solid var(--wf-border);
  }

  .wf-disclosures-section {
    padding: 20px 16px;
  }
}

@media (max-width: 480px) {
  .wf-logo-text {
    font-size: 13px;
  }

  .wf-signon-actions {
    flex-direction: column;
    align-items: stretch;
    gap: 10px;
  }

  .wf-signon-actions .wf-btn-red {
    width: 100%;
  }

  .wf-btn-red, .wf-btn-pill-outline {
    width: 100%;
    text-align: center;
    justify-content: center;
  }

  .wf-app-store-btns {
    flex-direction: column;
  }

  .wf-store-btn {
    width: 100%;
  }
}