:root {
  --navy: #012169;
  --navy-dark: #00144a;
  --red: #e31837;
  --red-dark: #b8102a;
  --gray: #f4f4f4;
  --text: #333;
}
body { font-family: "Source Sans 3", Arial, sans-serif; color: var(--text); }
a { color: var(--navy); text-decoration: none; }
a:hover { color: var(--red); }

.demo-bar { background: #fff4d6; color: #6b5200; }
.utility-bar { background: var(--gray); }
.utility-bar a { color: #555; }

.main-nav { background: #fff; border-bottom: 1px solid #ddd; box-shadow: 0 2px 6px rgba(0,0,0,.05); }
.main-nav .nav-link { color: var(--navy); font-weight: 600; padding: 1.25rem .8rem !important; border-bottom: 3px solid transparent; }
.main-nav .nav-link:hover, .main-nav .nav-link.active { border-bottom-color: var(--red); color: var(--navy); }
.brand-text { color: var(--navy); font-weight: 800; letter-spacing: .5px; font-size: 1.15rem; }
.brand-flag { display: inline-flex; flex-direction: column; gap: 3px; transform: skewX(-20deg); }
.brand-flag span { display: block; width: 30px; height: 5px; background: var(--red); }
.brand-flag span:nth-child(2) { background: var(--navy); }

.btn-red { background: var(--red); color: #fff; font-weight: 700; border-radius: 4px; }
.btn-red:hover { background: var(--red-dark); color: #fff; }
.btn-navy { background: var(--navy); color: #fff; font-weight: 700; }
.btn-navy:hover { background: var(--navy-dark); color: #fff; }
.btn-outline-navy { border: 2px solid var(--navy); color: var(--navy); font-weight: 700; }
.btn-outline-navy:hover { background: var(--navy); color: #fff; }

.hero { position: relative; min-height: 520px; background-size: cover; background-position: center right; display: flex; align-items: center; }
.hero::before { content: ""; position: absolute; inset: 0; background: linear-gradient(90deg, rgba(1,33,105,.95) 0%, rgba(1,33,105,.7) 40%, rgba(1,33,105,0) 70%); }
.hero .container { position: relative; z-index: 1; }
.hero h1 { color: #fff; font-weight: 800; font-size: 2.8rem; line-height: 1.1; }
.hero p { color: #e6ecf7; font-size: 1.2rem; }

.login-card { background: #fff; border-radius: 6px; padding: 1.75rem; box-shadow: 0 10px 30px rgba(0,0,0,.25); }
.login-card h5 { color: var(--navy); font-weight: 700; }

.page-hero { background: var(--navy); color: #fff; padding: 3.5rem 0; }
.page-hero h1 { font-weight: 800; }
.section-title { color: var(--navy); font-weight: 800; }
.red-rule { width: 50px; height: 4px; background: var(--red); margin-bottom: 1rem; }

.quick-links { background: #fff; margin-top: -45px; position: relative; z-index: 2; border-radius: 6px; box-shadow: 0 6px 20px rgba(0,0,0,.1); }
.quick-links a { display: block; text-align: center; padding: 1.25rem .5rem; font-weight: 600; }
.quick-links i { display: block; font-size: 2rem; color: var(--red); margin-bottom: .25rem; }

.product-card { border: 1px solid #e3e3e3; border-radius: 6px; transition: .2s; height: 100%; background: #fff; }
.product-card:hover { box-shadow: 0 10px 24px rgba(0,0,0,.1); transform: translateY(-3px); }
.product-card .icon { font-size: 2.2rem; color: var(--navy); }
.product-card img { border-radius: 6px 6px 0 0; height: 200px; object-fit: cover; width: 100%; }

.feature-band { background: var(--gray); }
.stat { font-size: 2.5rem; font-weight: 800; color: var(--red); }
.rate-box { border-left: 4px solid var(--red); background: #fff; padding: 1rem 1.25rem; }
.rate-box .rate { font-size: 2rem; font-weight: 800; color: var(--navy); }

.site-footer { background: var(--gray); border-top: 4px solid var(--navy); }
.site-footer h6 { color: var(--navy); font-weight: 800; }
.site-footer a { color: #444; }
.site-footer li { margin-bottom: .4rem; }

.dash-side { background: var(--navy); min-height: 100%; }
.dash-side a { color: #cdd6ea; display: block; padding: .7rem 1rem; border-radius: 4px; }
.dash-side a.active, .dash-side a:hover { background: rgba(255,255,255,.12); color: #fff; }
.acct-card { border-top: 4px solid var(--red); }
.table thead th { color: var(--navy); }

/* ---- Bank of America-style layout ---- */
body { font-weight: 400; }
.academic-note { background: #fff4d6; color: #5c4600; text-align: center; font-size: .85rem; font-weight: 600; padding: .35rem; border-bottom: 1px solid #f0dc9c; }
.academic-note-bottom { border-top: 1px solid #f0dc9c; border-bottom: 0; }
.demo-bar { display: none; }
.fdic-bar { background: #f5f5f5; text-align: center; font-size: .78rem; color: #555; padding: .45rem; }
.fdic-bar .fdic { color: var(--navy); font-size: 1rem; font-style: italic; letter-spacing: -.5px; }
.utility-bar { background: #fff; border-bottom: 1px solid #ddd; }
.utility-bar a { color: #524d4d; padding: .75rem .9rem; font-size: .95rem; border-bottom: 2px solid transparent; }
.utility-bar a.u-active { color: var(--navy); border-bottom-color: var(--navy); }
.logo-row { background: #fff; }
.brand-text { color: var(--navy); font-weight: 700; letter-spacing: 2.5px; font-size: 1.2rem; }
.brand-flag { margin-left: 8px; gap: 4px; transform: skewX(-35deg) rotate(-12deg); }
.brand-flag span { width: 26px; height: 4px; }
.brand-flag span:nth-child(2) { background: var(--navy); width: 30px; }
.search-box { border: 1px solid #555; border-radius: 3px; width: 265px; }
.search-box input { border: 0; flex: 1; padding: .45rem .75rem; outline: none; }
.search-box button { border: 0; border-left: 1px solid #ccc; background: #fff; padding: 0 .7rem; font-size: 1.1rem; }
.product-nav { background: #fff; border-bottom: 1px solid #ccc; position: sticky; top: 0; z-index: 1000; }
.product-nav a { display: block; color: #333; font-size: 1.2rem; padding: .7rem 1.25rem .8rem 0; margin-right: .9rem; border-bottom: 3px solid transparent; }
.product-nav a i { font-size: .7rem; }
.product-nav a:hover, .product-nav a.active { color: var(--navy); border-bottom-color: var(--red); }

.boa-hero { background: linear-gradient(90deg, #0a1f7a 0%, #0b2fa8 50%, #1d4de0 100%); padding: 1.5rem .75rem 4rem; }
.boa-login { background: #fff; border-radius: 8px; position: relative; padding: 2rem 1.5rem 1.5rem; }
.boa-login::before { content: ""; position: absolute; top: -8px; left: 0; width: 65%; height: 8px; background: var(--red); transform: skewX(-30deg); transform-origin: bottom left; border-radius: 4px 0 0 0; }
.boa-login label { font-weight: 600; font-size: .9rem; }
.boa-login .form-control { border: 1px solid #666; border-radius: 3px; padding: .5rem; }
.btn-pill { background: var(--navy); color: #fff; border-radius: 30px; font-size: 1.2rem; padding: .55rem; }
.btn-pill:hover { background: var(--navy-dark); color: #fff; }
.open-acct { background: #fff; border-radius: 8px; padding: 1rem 1.25rem; display: block; color: #333; margin-top: 1rem; }
.boa-hero h1 { color: #fff; font-weight: 300; font-size: 2.3rem; }
.offer { text-align: center; color: #fff; }
.offer .big { font-size: 4.2rem; font-weight: 300; line-height: 1; }
.offer .big sup { font-size: 1.8rem; top: -1.6rem; }
.offer p { margin: 0; font-size: 1rem; }
.cc { height: 130px; border-radius: 6px; margin: .75rem 0 1.5rem; position: relative; border: 1px solid rgba(255,255,255,.6); box-shadow: 0 4px 10px rgba(0,0,0,.25); overflow: hidden; }
.cc::before { content: ""; position: absolute; left: 22px; top: 42px; width: 30px; height: 22px; background: linear-gradient(135deg,#e8e0c8,#b9ab86); border-radius: 4px; }
.cc::after { content: "BANK OF AMERICA"; position: absolute; left: 0; right: 0; top: 76px; text-align: center; font-size: .55rem; letter-spacing: 1.5px; color: rgba(255,255,255,.9); font-weight: 700; }
.cc .net { position: absolute; right: 12px; bottom: 6px; font-style: italic; font-weight: 800; color: #fff; font-size: 1.1rem; }
.cc-red { background: linear-gradient(135deg,#c8102e,#e8364f 60%,#a50d25); }
.cc-silver { background: linear-gradient(135deg,#8f9398,#d8dadd 50%,#9ea2a7); }
.cc-blue { background: linear-gradient(135deg,#0a2a8c,#2159d6 55%,#0b3aa8); }
.cc-white { background: linear-gradient(135deg,#f5f5f5,#ffffff 50%,#dcdcdc); }
.cc-white::after { color: #888; }
.cc .tag { position: absolute; top: 6px; left: 10px; background: var(--navy); color: #fff; font-size: .6rem; font-weight: 700; padding: 1px 6px; }
.offer-btn { background: #fff; border-radius: 6px; display: block; padding: .5rem; color: var(--navy); text-decoration: underline; font-weight: 600; line-height: 1.2; }
.offer-name { color: #fff; margin-bottom: .5rem; }
.promo-band { background: #dfe8fb; }
.promo-box { background: #fff; padding: 1.5rem; }
.promo-box h3 { color: var(--red); font-weight: 400; font-size: 1.4rem; }
.promo-nums { color: var(--navy); text-align: center; line-height: 1; }
.sticky-offer { position: fixed; bottom: 0; left: 0; right: 0; background: #f5f5f5; border-top: 1px solid #ccc; z-index: 1030; padding: .75rem; text-align: center; font-size: 1.2rem; }
.sticky-offer .close-x { position: absolute; right: 20px; top: 8px; border: 0; background: none; font-size: 1.5rem; }