/* ============================================================
   NetZero Business Checking landing (apply/net-zero-business-checking.html)
   Load AFTER cfb-business.css and cfb-mortgage.css.
   ============================================================ */

.cfb-nzbc-page sup {
  font-size: 0.6em;
  line-height: 0;
}

.cfb-nzbc-lead {
  margin: 0 0 2.5rem;
  max-width: none;
  font-family: "DM Sans", system-ui, sans-serif !important;
  font-size: 1.125rem !important;
  line-height: 1.55;
  color: var(--cfb-shadow) !important;
}

@media (min-width: 1024px) {
  .cfb-nzbc-lead {
    font-size: 1.25rem !important;
  }
}

/* ---------- CTA pairs ---------- */
.cfb-nzbc-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
  margin-top: 1.75rem;
}

.cfb-nzbc-actions--center {
  justify-content: center;
  margin-top: 3rem;
}

.cfb-nzbc-page .cfb-nzbc-actions .btn-light--lg {
  width: auto;
  max-width: 100%;
  padding-left: 1.5rem !important;
  padding-right: 1.5rem !important;
  text-align: center;
}

@media (max-width: 639px) {
  .cfb-nzbc-actions--center {
    margin-top: 2.5rem;
  }

  .cfb-nzbc-page .cfb-nzbc-actions .btn-light--lg {
    width: 100%;
    padding-left: 1rem !important;
    padding-right: 1rem !important;
    font-size: 0.6875rem !important;
    white-space: nowrap;
  }
}

/* ---------- Hero ---------- */
.cfb-nzbc-hero .cfb-nzbc-actions {
  display: inline-grid;
  grid-template-columns: minmax(0, 1fr);
}

.cfb-nzbc-page .cfb-nzbc-hero .cfb-nzbc-actions .btn-light--lg {
  width: 100%;
}

@media (max-width: 639px) {
  .cfb-nzbc-hero .cfb-nzbc-actions {
    display: grid;
  }
}

.cfb-nzbc-hero .cfb-eyebrow {
  max-width: 32rem;
  line-height: 1.4;
}

/* Hero photo is landscape — show full image without square crop */
.cfb-nzbc-page .cfb-nzbc-hero .cfb-biz-hero__media {
  max-width: min(100%, 28rem);
}

@media (min-width: 1024px) {
  .cfb-nzbc-page .cfb-nzbc-hero .cfb-biz-hero__inner {
    grid-template-columns: minmax(0, 1.05fr) minmax(18rem, 34rem);
    gap: 2.5rem;
  }

  .cfb-nzbc-page .cfb-nzbc-hero .cfb-biz-hero__media {
    max-width: 34rem;
  }
}

.cfb-nzbc-page .cfb-nzbc-hero .cfb-biz-hero__media .cfb-img-frame {
  overflow: visible;
}

.cfb-nzbc-page .cfb-nzbc-hero .cfb-biz-hero__media img {
  width: 100%;
  height: auto;
  aspect-ratio: auto;
  object-fit: contain;
  object-position: center;
}

/* Hero CTA hierarchy: filled primary, outlined secondary */
.cfb-nzbc-page .cfb-nzbc-hero .btn-light--lg.cfb-nzbc-btn--primary {
  border-color: var(--cfb-shadow) !important;
  background-color: var(--cfb-shadow) !important;
  color: var(--cfb-light) !important;
  box-shadow: 0 10px 24px -14px rgba(1, 36, 39, 0.7);
  transition: background-color 0.2s ease, border-color 0.2s ease, color 0.2s ease, transform 0.2s ease;
}

.cfb-nzbc-page .cfb-nzbc-hero .btn-light--lg.cfb-nzbc-btn--primary:hover,
.cfb-nzbc-page .cfb-nzbc-hero .btn-light--lg.cfb-nzbc-btn--primary:focus-visible {
  border-color: var(--cfb-shadow) !important;
  background-color: var(--cfb-sky) !important;
  color: var(--cfb-shadow) !important;
  transform: translateY(-1px);
}

.cfb-nzbc-page .cfb-nzbc-hero .btn-light--lg.cfb-nzbc-btn--secondary {
  border-color: rgba(1, 36, 39, 0.55) !important;
  background-color: transparent !important;
  color: var(--cfb-shadow) !important;
}

/* Secondary sits under the primary at a smaller size so the primary reads first */
.cfb-nzbc-page .cfb-nzbc-hero .cfb-nzbc-actions .btn-light--lg.cfb-nzbc-btn--secondary {
  justify-self: start;
  width: auto;
  padding: 0.75rem 1.25rem !important;
  font-size: 0.75rem !important;
}

@media (max-width: 639px) {
  .cfb-nzbc-page .cfb-nzbc-hero .cfb-nzbc-actions .btn-light--lg.cfb-nzbc-btn--secondary {
    justify-self: center;
    font-size: 0.6875rem !important;
  }
}

/* Google Places suggestions render on document.body */
.pac-container {
  z-index: 10000;
  font-family: "DM Sans", system-ui, sans-serif;
}

.cfb-nzbc-page .cfb-nzbc-hero .btn-light--lg.cfb-nzbc-btn--secondary:hover,
.cfb-nzbc-page .cfb-nzbc-hero .btn-light--lg.cfb-nzbc-btn--secondary:focus-visible {
  border-color: var(--cfb-shadow) !important;
  background-color: rgba(255, 251, 247, 0.6) !important;
}

/* ---------- Dark bands (Shadow surface between light sections) ---------- */
.cfb-nzbc-page .cfb-section--dark .cfb-nzbc-lead {
  color: var(--cfb-light) !important;
}

.cfb-nzbc-page .cfb-section--dark .cfb-section-title {
  color: var(--cfb-sky) !important;
}

.cfb-nzbc-page .cfb-section--dark .btn-light--lg {
  border-color: var(--cfb-light) !important;
  background-color: transparent !important;
  color: var(--cfb-light) !important;
}

.cfb-nzbc-page .cfb-section--dark .btn-light--lg:hover {
  border-color: var(--cfb-sky) !important;
  background-color: var(--cfb-sky) !important;
  color: var(--cfb-shadow) !important;
}

/* Solid white CTAs so primary actions stand out on Shadow bands */
.cfb-nzbc-page .cfb-section--dark .btn-light--lg.cfb-nzbc-btn--solid {
  border-color: #fff !important;
  background-color: #fff !important;
  color: var(--cfb-shadow) !important;
  box-shadow: 0 10px 24px -12px rgba(0, 0, 0, 0.55);
  transition: background-color 0.2s ease, border-color 0.2s ease, transform 0.2s ease, box-shadow 0.2s ease;
}

.cfb-nzbc-page .cfb-section--dark .btn-light--lg.cfb-nzbc-btn--solid:hover,
.cfb-nzbc-page .cfb-section--dark .btn-light--lg.cfb-nzbc-btn--solid:focus-visible {
  border-color: var(--cfb-sky) !important;
  background-color: var(--cfb-sky) !important;
  color: var(--cfb-shadow) !important;
  transform: translateY(-1px);
  box-shadow: 0 14px 28px -12px rgba(0, 0, 0, 0.6);
}

/* ---------- Reasons to believe ---------- */
.cfb-nzbc-rtb__grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 0;
  margin: 0;
  padding: 0;
  list-style: none;
  border: 2px solid var(--cfb-sky);
}

@media (min-width: 640px) {
  .cfb-nzbc-rtb__grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (min-width: 1024px) {
  .cfb-nzbc-rtb__grid {
    grid-template-columns: repeat(4, minmax(0, 1fr));
  }
}

.cfb-nzbc-rtb__item {
  display: flex;
  flex-direction: column;
  align-items: center;
  min-width: 0;
  padding: 2rem 1.25rem;
  text-align: center;
}

.cfb-nzbc-rtb__item + .cfb-nzbc-rtb__item {
  border-top: 1px solid rgba(255, 251, 247, 0.25);
}

@media (min-width: 640px) {
  .cfb-nzbc-rtb__item + .cfb-nzbc-rtb__item {
    border-top: 0;
  }

  .cfb-nzbc-rtb__item:nth-child(even) {
    border-left: 1px solid rgba(255, 251, 247, 0.25);
  }

  .cfb-nzbc-rtb__item:nth-child(n + 3) {
    border-top: 1px solid rgba(255, 251, 247, 0.25);
  }
}

@media (min-width: 1024px) {
  .cfb-nzbc-rtb__item:nth-child(n + 2) {
    border-top: 0;
    border-left: 1px solid rgba(255, 251, 247, 0.25);
  }
}

.cfb-nzbc-rtb__icon {
  width: 6.5rem;
  height: 6.5rem;
  margin-bottom: 1.25rem;
  object-fit: contain;
}

.cfb-nzbc-page .cfb-nzbc-rtb__copy {
  margin: 0;
  width: 100%;
  max-width: 15rem;
  font-family: "DM Sans", system-ui, sans-serif !important;
  font-size: 0.9375rem !important;
  font-weight: 400 !important;
  letter-spacing: normal;
  line-height: 1.5;
  text-transform: none;
  text-wrap: pretty;
  overflow-wrap: break-word;
  color: rgba(255, 251, 247, 0.88) !important;
}

.cfb-nzbc-page .cfb-nzbc-rtb__label {
  display: block;
  margin-bottom: 0.375rem;
  font-size: 0.8125rem;
  font-weight: 900;
  letter-spacing: 0.08em;
  line-height: 1.35;
  text-transform: uppercase;
  color: var(--cfb-sky) !important;
}

/* Phones: 2 x 2 tiles instead of a tall single column */
@media (max-width: 639px) {
  .cfb-nzbc-lead {
    margin-bottom: 1.75rem;
  }

  .cfb-nzbc-rtb__grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .cfb-nzbc-rtb__item {
    padding: 1.5rem 0.625rem;
  }

  .cfb-nzbc-rtb__item + .cfb-nzbc-rtb__item {
    border-top: 0;
  }

  .cfb-nzbc-rtb__item:nth-child(even) {
    border-left: 1px solid rgba(255, 251, 247, 0.25);
  }

  .cfb-nzbc-rtb__item:nth-child(n + 3) {
    border-top: 1px solid rgba(255, 251, 247, 0.25);
  }

  .cfb-nzbc-rtb__icon {
    width: 4.5rem;
    height: 4.5rem;
    margin-bottom: 1rem;
  }

  .cfb-nzbc-page .cfb-nzbc-rtb__copy {
    font-size: 0.8125rem !important;
  }

  .cfb-nzbc-page .cfb-nzbc-rtb__label {
    font-size: 0.6875rem;
    letter-spacing: 0.05em;
  }
}

/* ---------- Treasury ---------- */
.cfb-nzbc-treasury {
  background-color: var(--cfb-light);
}

/* ---------- Digital tools ---------- */
.cfb-nzbc-digital {
  --cfb-features-divider: rgba(255, 251, 247, 0.3);
}

.cfb-nzbc-page .cfb-nzbc-digital .cfb-feature-title {
  color: var(--cfb-sky) !important;
}

.cfb-nzbc-page .cfb-nzbc-digital .cfb-feature-subtitle {
  color: rgba(255, 251, 247, 0.85) !important;
}

@media (max-width: 639px) {
  .cfb-nzbc-digital .cfb-features-grid {
    gap: 2rem;
  }

  .cfb-nzbc-digital .cfb-features-grid > .cfb-feature::before {
    top: -1rem;
  }

  .cfb-nzbc-page .cfb-nzbc-digital .cfb-feature-subtitle {
    max-width: 16rem;
  }
}

/* ---------- Get Started form ---------- */
.cfb-nzbc-page .cfb-section + .cfb-nzbc-form {
  padding-top: 3rem;
}

@media (min-width: 1024px) {
  .cfb-nzbc-page .cfb-section + .cfb-nzbc-form {
    padding-top: 4rem;
  }
}

/* "We have your back" banner fused to the top edge of the form card */
.cfb-nzbc-form__promise {
  display: flex;
  align-items: center;
  gap: 1.25rem;
  box-sizing: border-box;
  max-width: 48rem;
  margin: 0 auto;
  padding: 1.5rem;
  border: 2px solid var(--cfb-shadow);
  border-bottom: 0;
  background-image: linear-gradient(100deg, var(--cfb-beam), var(--cfb-glow));
}

@media (min-width: 640px) {
  .cfb-nzbc-form__promise {
    gap: 1.5rem;
    padding: 1.75rem 2rem;
  }
}

.cfb-nzbc-form__promise-icon {
  flex-shrink: 0;
  width: 3.5rem;
  height: 3.5rem;
  object-fit: contain;
}

@media (min-width: 640px) {
  .cfb-nzbc-form__promise-icon {
    width: 5.5rem;
    height: 5.5rem;
  }
}

.cfb-nzbc-form__promise-text {
  flex: 1 1 auto;
  min-width: 0;
}

.cfb-nzbc-page .cfb-nzbc-form__promise-title {
  margin: 0;
  font-family: "Spectral", Georgia, serif !important;
  font-size: clamp(1.875rem, 4vw, 2.75rem) !important;
  font-weight: 400 !important;
  line-height: 1.1;
  letter-spacing: -0.02em;
  color: var(--cfb-shadow) !important;
}

.cfb-nzbc-page .cfb-nzbc-form__promise-copy {
  margin: 0.625rem 0 0;
  font-family: "DM Sans", system-ui, sans-serif !important;
  font-size: 1.0625rem !important;
  line-height: 1.5;
  color: var(--cfb-shadow) !important;
}

@media (min-width: 640px) {
  .cfb-nzbc-page .cfb-nzbc-form__promise-copy {
    font-size: 1.25rem !important;
  }
}

@media (max-width: 479px) {
  .cfb-nzbc-form__promise {
    flex-direction: column;
    align-items: flex-start;
    gap: 1rem;
  }
}

.cfb-nzbc-page .cfb-nzbc-form .cfb-mortgage-form__input {
  border: 2px solid var(--cfb-shadow) !important;
  background: #fff !important;
}

.cfb-nzbc-page .cfb-nzbc-form .cfb-mortgage-form__input:focus {
  border-color: var(--cfb-sky) !important;
}

.cfb-nzbc-form__row {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.5rem;
}

@media (min-width: 640px) {
  .cfb-nzbc-form__row {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .cfb-nzbc-form__row--city {
    grid-template-columns: minmax(0, 2fr) minmax(0, 1fr);
  }
}

.cfb-nzbc-page .cfb-nzbc-form__consent {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  font-size: 0.75rem !important;
  font-weight: 400 !important;
  letter-spacing: normal !important;
  text-transform: none !important;
  cursor: pointer;
}

.cfb-nzbc-page .cfb-nzbc-form__consent .cfb-mortgage-form__consent,
.cfb-nzbc-page .cfb-nzbc-form__consent a {
  font-size: 0.75rem !important;
  letter-spacing: normal !important;
  text-transform: none !important;
}

.cfb-nzbc-form__consent input {
  flex-shrink: 0;
  width: 1.125rem;
  height: 1.125rem;
  margin: 0.125rem 0 0;
  accent-color: var(--cfb-shadow);
  cursor: pointer;
}

.cfb-nzbc-form__consent a {
  color: var(--cfb-shadow);
  font-weight: 700;
  text-decoration: underline;
}

@media (max-width: 639px) {
  .cfb-nzbc-form .cfb-mortgage-form__body {
    padding: 1.25rem;
  }

  .cfb-nzbc-form .cfb-mortgage-form__fields {
    gap: 1.25rem;
    margin-top: 1.5rem;
  }

  .cfb-nzbc-form__row {
    gap: 1.25rem;
  }

  .cfb-nzbc-form .cfb-mortgage-form__submit {
    width: 100%;
    justify-content: center;
    min-height: 3rem;
  }
}

.cfb-nzbc-form__required {
  margin-left: 0.125rem;
  color: var(--cfb-shadow);
}

.cfb-nzbc-page .cfb-nzbc-form__required-note {
  margin: -0.5rem 0 0;
  font-family: "DM Sans", system-ui, sans-serif !important;
  font-size: 0.75rem !important;
  font-weight: 900 !important;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--cfb-shadow) !important;
}

.cfb-nzbc-page .cfb-nzbc-form__required-note .cfb-nzbc-form__required {
  margin: 0 0.125rem 0 0;
}

.cfb-nzbc-page .cfb-nzbc-form__error {
  margin: 0;
  font-family: "DM Sans", system-ui, sans-serif !important;
  font-size: 0.875rem !important;
  font-weight: 700;
  color: #b42318 !important;
}

/* ---------- Business deposit impact calculator ---------- */
.cfb-nzbc-page .cfb-nzbc-calc__copy {
  margin: 1rem 0 0;
  font-family: "DM Sans", system-ui, sans-serif !important;
  font-size: 1rem !important;
  line-height: 1.5;
  color: var(--cfb-shadow) !important;
}

.cfb-nzbc-calc .cfb-home-calc__form-wrap {
  max-width: 26rem;
}

@media (min-width: 960px) {
  .cfb-nzbc-calc .cfb-home-calc__inner {
    grid-template-columns: minmax(0, 0.9fr) minmax(0, 1.35fr);
    gap: 3.5rem;
    align-items: center;
  }
}

.cfb-nzbc-calc__result {
  grid-template-columns: 1fr;
  grid-template-rows: none;
}

.cfb-nzbc-calc .cfb-nzbc-calc__card {
  display: block;
  grid-row: auto;
  margin: 0.85rem;
  padding: 2rem 1.25rem 2.25rem;
}

.cfb-nzbc-calc .cfb-nzbc-calc__product {
  margin: 0.75rem 0 0;
  padding-bottom: 0.25rem;
  font-family: "Spectral", Georgia, serif !important;
  font-size: clamp(1.375rem, 2.75vw, 1.75rem) !important;
  font-style: normal;
  font-weight: 500;
  line-height: 1.25;
  letter-spacing: -0.02em;
  color: var(--cfb-shadow) !important;
}

@media (min-width: 960px) {
  .cfb-nzbc-calc .cfb-nzbc-calc__card {
    margin: 1rem;
    padding: 2.5rem 2rem 2.75rem;
  }
}

.cfb-nzbc-calc__metrics {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.75rem;
  margin-top: 1.75rem;
}

.cfb-nzbc-calc__metric {
  display: grid;
  grid-template-rows: auto auto auto;
  gap: 0.5rem;
  text-align: center;
}

.cfb-nzbc-calc .cfb-nzbc-calc__metric-label {
  margin: 0;
  max-width: 14rem;
  margin-left: auto;
  margin-right: auto;
  line-height: 1.35;
  text-wrap: balance;
}

.cfb-nzbc-calc .cfb-nzbc-calc__metric-unit {
  display: inline;
  font-weight: 700;
  letter-spacing: 0.06em;
}

.cfb-nzbc-calc .cfb-nzbc-calc__metric-value {
  margin: 0;
  min-height: 1.1em;
}

.cfb-nzbc-page .cfb-nzbc-calc__comparison {
  margin: 0;
  max-width: 12rem;
  margin-left: auto;
  margin-right: auto;
  min-height: 2.75rem;
  font-family: "DM Sans", system-ui, sans-serif !important;
  font-size: 0.6875rem !important;
  font-weight: 500;
  line-height: 1.35;
  letter-spacing: 0.02em;
  text-transform: none;
  color: rgba(1, 36, 39, 0.75) !important;
}

.cfb-nzbc-calc__comparison--spacer {
  visibility: hidden;
}

@media (min-width: 640px) {
  .cfb-nzbc-calc__metrics {
    grid-template-columns: repeat(2, minmax(0, 1fr));
    grid-template-rows: auto auto auto;
    gap: 0.5rem 0;
    align-items: stretch;
  }

  .cfb-nzbc-calc__metric {
    display: grid;
    grid-template-rows: subgrid;
    grid-row: span 3;
    gap: 0.5rem;
    padding: 0 1rem;
  }

  .cfb-nzbc-calc__metric + .cfb-nzbc-calc__metric {
    border-left: 1px solid rgba(1, 36, 39, 0.2);
  }
}

@media (max-width: 639px) {
  .cfb-nzbc-calc__metric + .cfb-nzbc-calc__metric {
    padding-top: 1.75rem;
    border-top: 1px solid rgba(1, 36, 39, 0.2);
  }

  .cfb-nzbc-page .cfb-nzbc-calc__comparison {
    min-height: 0;
  }

  .cfb-nzbc-calc__comparison--spacer {
    display: none;
  }
}

.cfb-nzbc-calc__equivalencies {
  box-sizing: border-box;
  width: 100%;
  max-width: 72rem;
  margin: 3rem auto 0;
  padding: 0 1rem;
}

@media (min-width: 960px) {
  .cfb-nzbc-calc__equivalencies {
    margin-top: 4rem;
  }
}

.cfb-nzbc-calc .cfb-calc-disclosure {
  margin-top: 2rem;
}

.cfb-nzbc-page .cfb-disclosure-band a {
  color: var(--cfb-sky) !important;
  text-decoration: underline;
  text-underline-offset: 2px;
}

.cfb-nzbc-page .cfb-disclosure-band a:hover,
.cfb-nzbc-page .cfb-disclosure-band a:focus-visible {
  color: var(--cfb-beam) !important;
}

.cfb-nzbc-page .cfb-nzbc-calc__eq-title {
  margin: 0 0 1.25rem;
  font-family: "DM Sans", system-ui, sans-serif !important;
  font-size: 0.75rem !important;
  font-weight: 900 !important;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--cfb-shadow) !important;
}

.cfb-nzbc-calc__eq-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1rem;
  margin: 0;
  padding: 0;
  list-style: none;
}

@media (min-width: 960px) {
  .cfb-nzbc-calc__eq-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 1.25rem;
  }
}

.cfb-nzbc-calc__eq-card {
  display: flex;
  align-items: center;
  gap: 1rem;
  height: 100%;
  box-sizing: border-box;
  padding: 1.25rem;
  border: 2px solid var(--cfb-shadow);
  background: var(--cfb-light);
}

@media (min-width: 640px) {
  .cfb-nzbc-calc__eq-card {
    padding: 1.5rem;
  }
}

.cfb-nzbc-calc__eq-card img {
  flex-shrink: 0;
  width: 3.5rem;
  height: 3.5rem;
  object-fit: contain;
}

@media (min-width: 640px) {
  .cfb-nzbc-calc__eq-card img {
    width: 4rem;
    height: 4rem;
  }
}

.cfb-nzbc-page .cfb-nzbc-calc__eq-value {
  margin: 0;
  font-family: "Spectral", Georgia, serif !important;
  font-size: clamp(1.875rem, 3vw, 2.25rem) !important;
  font-weight: 400 !important;
  line-height: 1.1;
  letter-spacing: -0.05em;
  color: var(--cfb-shadow) !important;
}

.cfb-nzbc-page .cfb-nzbc-calc__eq-label {
  margin: 0.25rem 0 0;
  font-family: "DM Sans", system-ui, sans-serif !important;
  font-size: 0.875rem !important;
  font-weight: 500;
  line-height: 1.35;
  color: rgba(1, 36, 39, 0.8) !important;
}

/* ---------- Calculator methodology (mirrors ImpactCalculatorResourcesSection) ---------- */
.cfb-nzbc-methodology {
  box-sizing: border-box;
  width: 100%;
  max-width: 48rem;
  margin: 3.5rem auto 0;
  padding: 0 1rem;
}

@media (min-width: 960px) {
  .cfb-nzbc-methodology {
    margin-top: 4.5rem;
  }
}

.cfb-nzbc-page .cfb-nzbc-methodology__title {
  margin: 0;
  font-family: "Spectral", Georgia, serif !important;
  font-size: clamp(1.5rem, 3vw, 1.875rem) !important;
  font-weight: 400 !important;
  line-height: 1.2;
  letter-spacing: -0.02em;
  text-align: center !important;
  color: var(--cfb-shadow) !important;
}

.cfb-nzbc-methodology__list {
  margin-top: 1rem;
  padding: 0 1.5rem;
  border: 2px solid var(--cfb-shadow);
  background: var(--cfb-light);
}

@media (min-width: 640px) {
  .cfb-nzbc-methodology__list {
    padding: 0 2rem;
  }
}

.cfb-nzbc-methodology__item {
  border-bottom: 2px solid rgba(1, 36, 39, 0.15);
}

.cfb-nzbc-methodology__item:last-child {
  border-bottom: 0;
}

.cfb-nzbc-page .cfb-nzbc-methodology__question {
  display: flex;
  align-items: flex-start;
  gap: 1rem;
  padding: 1.25rem 0;
  list-style: none;
  cursor: pointer;
  font-family: "DM Sans", system-ui, sans-serif !important;
  font-size: 0.875rem !important;
  font-weight: 900 !important;
  line-height: 1.4;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--cfb-shadow) !important;
}

@media (min-width: 640px) {
  .cfb-nzbc-page .cfb-nzbc-methodology__question {
    font-size: 1rem !important;
  }
}

.cfb-nzbc-methodology__question::-webkit-details-marker {
  display: none;
}

.cfb-nzbc-methodology__question:focus-visible {
  outline: 2px solid var(--cfb-sky);
  outline-offset: 4px;
}

.cfb-nzbc-methodology__chevron {
  flex-shrink: 0;
  width: 1.25rem;
  height: 1.25rem;
  margin-top: 0.0625rem;
  color: var(--cfb-shadow);
  transition: transform 0.2s ease;
}

.cfb-nzbc-methodology__item[open] .cfb-nzbc-methodology__chevron {
  transform: rotate(90deg);
}

/* Answer copy aligns under the heading, not the chevron (brand FAQ guideline). */
.cfb-nzbc-methodology__answer {
  padding: 0 0 1.5rem 2.25rem;
}

.cfb-nzbc-page .cfb-nzbc-methodology__answer p {
  margin: 0;
  font-family: "DM Sans", system-ui, sans-serif !important;
  font-size: 0.875rem !important;
  line-height: 1.65;
  color: rgba(1, 36, 39, 0.8) !important;
}

@media (min-width: 640px) {
  .cfb-nzbc-page .cfb-nzbc-methodology__answer p {
    font-size: 1rem !important;
  }
}

.cfb-nzbc-page .cfb-nzbc-methodology__answer p + p {
  margin-top: 1rem;
}

.cfb-nzbc-page .cfb-nzbc-methodology__answer a {
  font-weight: 700;
  color: var(--cfb-shadow) !important;
  text-decoration: underline;
  text-underline-offset: 2px;
  transition: opacity 0.2s ease;
}

.cfb-nzbc-page .cfb-nzbc-methodology__answer a:hover {
  opacity: 0.7;
}

/* ---------- Business Money Market cross-sell ---------- */
.cfb-nzbc-page .cfb-nzbc-bmm .cfb-features-list li {
  border-color: rgba(255, 251, 247, 0.25);
}

.cfb-nzbc-page .cfb-nzbc-bmm .cfb-features-list li strong {
  color: var(--cfb-sky) !important;
}

.cfb-nzbc-page .cfb-nzbc-bmm .cfb-features-list li span {
  color: var(--cfb-light) !important;
}

/* Separates Business Money Market from the digital banking band, which shares the same dark surface */
.cfb-nzbc-digital + .cfb-nzbc-bmm {
  padding-top: 0 !important;
}

.cfb-nzbc-digital + .cfb-nzbc-bmm .cfb-nzbc-bmm__inner {
  padding-top: 4rem;
  border-top: 1px solid rgba(255, 251, 247, 0.18);
}

.cfb-nzbc-bmm__inner {
  display: grid;
  grid-template-columns: 1fr;
  gap: 2.5rem;
  align-items: start;
}

@media (min-width: 1024px) {
  .cfb-nzbc-bmm__inner {
    grid-template-columns: auto minmax(0, 1fr);
    gap: 3rem;
  }
}

.cfb-nzbc-rate-card {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: space-between;
  box-sizing: border-box;
  width: 16rem;
  height: 16rem;
  padding: 1.25rem 1.25rem 1.5rem;
  background-image: linear-gradient(to bottom, var(--cfb-beam), var(--cfb-glow));
  justify-self: center;
  align-self: center;
}

.cfb-nzbc-page .cfb-nzbc-rate-card p {
  margin: 0;
  color: var(--cfb-shadow) !important;
}

.cfb-nzbc-page .cfb-nzbc-rate-card__label {
  align-self: flex-start;
  font-family: "DM Sans", system-ui, sans-serif !important;
  font-size: 0.875rem !important;
  font-weight: 900 !important;
  letter-spacing: 0.1em;
  line-height: 1.2;
  text-transform: uppercase;
}

.cfb-nzbc-page .cfb-nzbc-rate-card__value {
  font-family: "Spectral", Georgia, serif !important;
  font-size: 6.5rem !important;
  font-weight: 400 !important;
  line-height: 0.85 !important;
}

.cfb-nzbc-rate-card__value span {
  position: relative;
  top: 0.1em;
  font-size: 0.4em;
  vertical-align: top;
}

.cfb-nzbc-page .cfb-nzbc-rate-card__apy {
  font-family: "DM Sans", system-ui, sans-serif !important;
  font-size: 0.75rem !important;
  font-weight: 900 !important;
  letter-spacing: 0.05em;
  line-height: 1.35;
  text-align: center;
  text-transform: uppercase;
}

.cfb-nzbc-bmm__copy {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
}

.cfb-nzbc-bmm__copy .cfb-section-title {
  margin-bottom: 1.25rem;
}

.cfb-nzbc-page .cfb-section--dark .cfb-nzbc-bmm__title {
  margin-bottom: 0.5rem;
  color: #fff !important;
  font-weight: 700 !important;
  letter-spacing: 0.02em;
  text-transform: uppercase !important;
}

.cfb-nzbc-page .cfb-nzbc-bmm__tagline {
  margin: 0 0 1.25rem;
  font-family: "Spectral", Georgia, serif !important;
  font-size: clamp(1.375rem, 2.5vw, 1.75rem) !important;
  line-height: 1.25;
  color: var(--cfb-sky) !important;
}

/* Orange matches the bottom of the 4.26% rate card gradient */
.cfb-nzbc-page .cfb-section--dark .btn-light--lg.cfb-nzbc-btn--orange {
  border-color: var(--cfb-glow) !important;
  background-color: var(--cfb-glow) !important;
  color: var(--cfb-shadow) !important;
  box-shadow: 0 10px 24px -12px rgba(0, 0, 0, 0.55);
  transition: background-color 0.2s ease, border-color 0.2s ease, transform 0.2s ease;
}

.cfb-nzbc-page .cfb-section--dark .btn-light--lg.cfb-nzbc-btn--orange:hover,
.cfb-nzbc-page .cfb-section--dark .btn-light--lg.cfb-nzbc-btn--orange:focus-visible {
  border-color: var(--cfb-beam) !important;
  background-color: var(--cfb-beam) !important;
  color: var(--cfb-shadow) !important;
  transform: translateY(-1px);
}

.cfb-nzbc-bmm__copy .cfb-nzbc-lead {
  margin-bottom: 1.5rem;
}

.cfb-nzbc-bmm__copy .cfb-features-list {
  align-self: stretch;
  margin-bottom: 2rem;
}

.cfb-nzbc-page .cfb-nzbc-bmm__copy .btn-light--lg {
  width: auto;
  max-width: 100%;
  padding-left: 1.5rem !important;
  padding-right: 1.5rem !important;
}

@media (max-width: 639px) {
  .cfb-nzbc-bmm__inner {
    gap: 2rem;
  }

  .cfb-nzbc-page .cfb-nzbc-bmm__copy .btn-light--lg {
    width: 100%;
  }
}

.cfb-nzbc-page .cfb-nzbc-bmm__note {
  margin: 1.25rem 0 0;
  font-family: "DM Sans", system-ui, sans-serif !important;
  font-size: 0.875rem !important;
  line-height: 1.5;
  color: rgba(255, 251, 247, 0.75) !important;
}