/* __WHITEPAGE_V8__ site=cibcbusiness.co.com generated=2026-05-03 palette=navy-teal-charcoal */
:root {
  --color-primary: #1a365d;
  --color-primary-light: #2a4a7f;
  --color-accent: #0d9488;
  --color-accent-light: #14b8a6;
  --color-bg: #f1f5f9;
  --color-bg-alt: #f8fafc;
  --color-bg-dark: #0f172a;
  --color-text: #1e293b;
  --color-text-muted: #64748b;
  --color-text-light: #f1f5f9;
  --color-border: #e2e8f0;
  --color-success: #16a34a;
  --color-warning: #d97706;
  --color-danger: #dc2626;
  --rail-width: 260px;
  --font-sans: 'Manrope', system-ui, -apple-system, sans-serif;
  --max-width: 1200px;
}

/* Reset & Base */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { font-size: 16px; scroll-behavior: smooth; }
body { font-family: var(--font-sans); color: var(--color-text); background: var(--color-bg); line-height: 1.7; -webkit-font-smoothing: antialiased; }

/* Layout */
.layout { display: grid; grid-template-columns: var(--rail-width) 1fr; min-height: 100vh; }
.layout__rail { background: var(--color-bg-dark); color: var(--color-text-light); position: sticky; top: 0; height: 100vh; overflow-y: auto; display: flex; flex-direction: column; z-index: 100; }
.layout__main { min-width: 0; }

/* Left Rail */
.left-rail { padding: 2rem 1.5rem; display: flex; flex-direction: column; gap: 2rem; height: 100%; }
.left-rail .rail-brand { font-size: 1.25rem; font-weight: 800; color: var(--color-accent-light); text-decoration: none; letter-spacing: -0.02em; line-height: 1.2; }
.left-rail .rail-brand span { display: block; font-size: 0.75rem; font-weight: 400; color: var(--color-text-muted); letter-spacing: 0.05em; text-transform: uppercase; margin-top: 0.25rem; }
.rail-section { display: flex; flex-direction: column; gap: 0.25rem; }
.rail-section__title { font-size: 0.6875rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.1em; color: var(--color-text-muted); padding: 0 0.25rem; margin-bottom: 0.25rem; }
.rail-link { display: block; padding: 0.5rem 0.75rem; color: var(--color-text-light); text-decoration: none; font-size: 0.875rem; border-radius: 0.375rem; transition: background 0.15s, color 0.15s; font-weight: 500; }
.rail-link:hover, .rail-link:focus-visible { background: rgba(255,255,255,0.08); color: var(--color-accent-light); }
.rail-link[aria-current="page"] { background: rgba(13,148,136,0.15); color: var(--color-accent-light); font-weight: 700; }
.rail-cta { margin-top: auto; padding: 1rem; background: linear-gradient(135deg, var(--color-accent), var(--color-accent-light)); border-radius: 0.5rem; text-align: center; color: #fff; font-weight: 700; font-size: 0.875rem; text-decoration: none; transition: transform 0.15s, box-shadow 0.15s; }
.rail-cta:hover { transform: translateY(-1px); box-shadow: 0 4px 12px rgba(13,148,136,0.4); }

/* Header (mobile toggle visible, desktop hidden via layout) */
[role="banner"] { display: none; position: sticky; top: 0; background: var(--color-bg-dark); color: var(--color-text-light); padding: 0.75rem 1.25rem; z-index: 200; align-items: center; justify-content: space-between; }
[role="banner"] .mobile-brand { font-weight: 800; font-size: 1.1rem; color: var(--color-accent-light); text-decoration: none; }
[role="banner"] .mobile-toggle { background: none; border: none; color: var(--color-text-light); font-size: 1.5rem; cursor: pointer; padding: 0.25rem; }
@media (max-width: 768px) {
  .layout { grid-template-columns: 1fr; }
  .layout__rail { display: none; position: fixed; width: 100%; height: auto; max-height: 100vh; top: 56px; }
  .layout__rail.is-open { display: flex; }
  [role="banner"] { display: flex; }
}

/* Panels */
.panel { padding: 4rem 2rem; }
.panel--dark { background: linear-gradient(135deg, var(--color-bg-dark) 0%, #1a2d4a 100%); color: var(--color-text-light); position: relative; overflow: hidden; }
.panel--dark::before { content: ''; position: absolute; right: -5%; top: -10%; width: 350px; height: 350px; border: 2px solid rgba(13,148,136,0.15); border-radius: 50%; }
.panel--dark::after { content: ''; position: absolute; left: -3%; bottom: -15%; width: 250px; height: 250px; border: 2px solid rgba(13,148,136,0.1); border-radius: 50%; }
.panel--dark .panel__inner { position: relative; z-index: 1; max-width: var(--max-width); margin: 0 auto; }
.panel--dark h1 { font-size: clamp(2rem, 4.5vw, 3rem); font-weight: 800; letter-spacing: -0.03em; margin-bottom: 1rem; line-height: 1.15; }
.panel--dark .panel__subtitle { font-size: 1.125rem; color: rgba(241,245,249,0.8); max-width: 650px; margin-bottom: 2rem; font-weight: 400; }
.panel--dark .panel__badges { display: flex; flex-wrap: wrap; gap: 0.5rem; margin-top: 1.5rem; }
.panel--dark .panel__badge { display: inline-block; padding: 0.35rem 0.75rem; background: rgba(13,148,136,0.2); border: 1px solid rgba(13,148,136,0.3); border-radius: 2rem; font-size: 0.75rem; font-weight: 600; color: var(--color-accent-light); }

.panel--light { background: var(--color-bg-alt); }
.panel--light .panel__inner, .panel__inner { max-width: var(--max-width); margin: 0 auto; }
.panel--alt { background: var(--color-bg); }

/* Regulated-by panel */
.panel.regulated-by { background: #fff; border-top: 1px solid var(--color-border); border-bottom: 1px solid var(--color-border); padding: 2.5rem 2rem; }
.regulated-by .panel__inner { display: grid; grid-template-columns: 1fr 1fr; gap: 2rem; align-items: start; }
.regulated-by h2 { font-size: 1.25rem; font-weight: 700; color: var(--color-primary); margin-bottom: 1rem; }
.regulated-by ul { list-style: none; display: flex; flex-direction: column; gap: 0.5rem; }
.regulated-by li { font-size: 0.9375rem; color: var(--color-text-muted); padding-left: 1.25rem; position: relative; }
.regulated-by li::before { content: '✓'; position: absolute; left: 0; color: var(--color-success); font-weight: 700; }

/* Product panels (--pattern) */
.panel--pattern { background: #fff; border-bottom: 1px solid var(--color-border); }
.panel--pattern:nth-child(even) { background: var(--color-bg-alt); }
.panel--pattern h2 { font-size: 1.5rem; font-weight: 700; color: var(--color-primary); margin-bottom: 0.75rem; }
.panel--pattern h3 { font-size: 1.125rem; font-weight: 600; color: var(--color-accent); margin: 1.5rem 0 0.5rem; }
.panel--pattern p { font-size: 1rem; color: var(--color-text); margin-bottom: 1rem; max-width: 720px; }
.panel--pattern a { color: var(--color-accent); font-weight: 600; text-decoration: none; border-bottom: 1px solid transparent; transition: border-color 0.15s; }
.panel--pattern a:hover { border-bottom-color: var(--color-accent); }
.panel--pattern .sub-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 1rem; margin-top: 1.5rem; }
.panel--pattern .sub-grid a { display: block; padding: 0.75rem 1rem; background: var(--color-bg); border-radius: 0.5rem; font-size: 0.875rem; font-weight: 600; color: var(--color-text); border-bottom: none; transition: background 0.15s, color 0.15s; }
.panel--pattern .sub-grid a:hover { background: rgba(13,148,136,0.08); color: var(--color-accent); }

/* Quote strip */
.panel.quotes-strip { background: var(--color-bg-dark); padding: 3rem 2rem; }
.quotes-strip .panel__inner { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }
.quotes-strip blockquote { background: rgba(255,255,255,0.04); border-left: 3px solid var(--color-accent); padding: 1.25rem; border-radius: 0 0.5rem 0.5rem 0; color: var(--color-text-light); }
.quotes-strip blockquote p { font-size: 0.9375rem; font-style: italic; margin-bottom: 0.75rem; }
.quotes-strip blockquote cite { display: block; font-size: 0.8125rem; font-style: normal; color: var(--color-accent-light); font-weight: 600; }

/* Collapsible FAQ cards */
.panel.collapsible-faq { background: var(--color-bg-alt); padding: 4rem 2rem; }
.collapsible-faq h2 { text-align: center; font-size: 2rem; font-weight: 800; color: var(--color-primary); margin-bottom: 2.5rem; }
.collapsible-card { background: #fff; border: 1px solid var(--color-border); border-radius: 0.5rem; margin-bottom: 0.75rem; overflow: hidden; }
.collapsible-card summary { padding: 1rem 1.25rem; font-weight: 600; font-size: 1rem; cursor: pointer; list-style: none; display: flex; justify-content: space-between; align-items: center; color: var(--color-primary); user-select: none; }
.collapsible-card summary::-webkit-details-marker { display: none; }
.collapsible-card summary::after { content: '+'; font-size: 1.25rem; font-weight: 300; color: var(--color-accent); transition: transform 0.2s; }
.collapsible-card[open] summary::after { content: '−'; }
.collapsible-card .card-body { padding: 0 1.25rem 1.25rem; font-size: 0.9375rem; color: var(--color-text); line-height: 1.8; }

/* Footer */
[role="contentinfo"] { background: var(--color-bg-dark); color: var(--color-text-light); padding: 0; }
.footer-row { padding: 3rem 2rem; max-width: var(--max-width); margin: 0 auto; }
.footer-row--brand { border-bottom: 1px solid rgba(255,255,255,0.08); display: flex; justify-content: space-between; align-items: flex-start; flex-wrap: wrap; gap: 2rem; }
.footer-row--brand .footer-brand { font-size: 1.5rem; font-weight: 800; color: var(--color-accent-light); }
.footer-row--brand p { max-width: 400px; font-size: 0.875rem; color: var(--color-text-muted); }
.footer-row--nav { display: grid; grid-template-columns: repeat(4, 1fr); gap: 2rem; border-bottom: 1px solid rgba(255,255,255,0.08); }
.footer-col h4 { font-size: 0.8125rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.08em; color: var(--color-accent-light); margin-bottom: 1rem; }
.footer-col a { display: block; font-size: 0.875rem; color: var(--color-text-muted); text-decoration: none; padding: 0.25rem 0; transition: color 0.15s; }
.footer-col a:hover { color: var(--color-text-light); }
.footer-row--legal { display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 1rem; padding-top: 2rem; padding-bottom: 2rem; font-size: 0.8125rem; color: var(--color-text-muted); }
.footer-row--legal a { color: var(--color-text-muted); text-decoration: none; }
.footer-row--legal a:hover { color: var(--color-text-light); }

/* Breadcrumbs */
.breadcrumbs { display: flex; flex-wrap: wrap; gap: 0.25rem; font-size: 0.8125rem; color: var(--color-text-muted); padding: 1rem 0; margin-bottom: 0; align-items: center; }
.breadcrumbs a { color: var(--color-accent); text-decoration: none; }
.breadcrumbs a:hover { text-decoration: underline; }
.breadcrumbs .sep { color: var(--color-border); margin: 0 0.25rem; }

/* Content styles */
.content-prose { max-width: 720px; }
.content-prose h1 { font-size: 2rem; font-weight: 800; color: var(--color-primary); margin-bottom: 1rem; letter-spacing: -0.02em; }
.content-prose h2 { font-size: 1.375rem; font-weight: 700; color: var(--color-primary); margin: 2rem 0 0.5rem; }
.content-prose h3 { font-size: 1.125rem; font-weight: 600; color: var(--color-accent); margin: 1.5rem 0 0.5rem; }
.content-prose p { margin-bottom: 1rem; color: var(--color-text); font-size: 1rem; }
.content-prose ul, .content-prose ol { margin: 0.75rem 0 1.25rem 1.5rem; }
.content-prose li { margin-bottom: 0.5rem; }

/* Data table */
.data-table-wrap { overflow-x: auto; margin: 1.5rem 0; }
.data-table { width: 100%; border-collapse: collapse; font-size: 0.9375rem; }
.data-table thead { background: var(--color-primary); color: #fff; }
.data-table th { padding: 0.75rem 1rem; text-align: left; font-weight: 600; }
.data-table td { padding: 0.75rem 1rem; border-bottom: 1px solid var(--color-border); }
.data-table tbody tr:nth-child(even) { background: rgba(0,0,0,0.02); }
.data-table tbody tr:hover { background: rgba(13,148,136,0.04); }

/* Related services */
.related-services { background: var(--color-bg); border-radius: 0.5rem; padding: 1.5rem; margin-top: 2.5rem; }
.related-services h3 { font-size: 1rem; font-weight: 700; color: var(--color-primary); margin-bottom: 0.75rem; }
.related-services ul { list-style: none; display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 0.5rem; }
.related-services a { color: var(--color-accent); text-decoration: none; font-weight: 500; font-size: 0.9375rem; }
.related-services a:hover { text-decoration: underline; }

/* Sub-hero for subpages */
.panel--dark.panel--sub { padding: 2.5rem 2rem; }
.panel--dark.panel--sub h1 { font-size: clamp(1.5rem, 3.5vw, 2.25rem); margin-bottom: 0.5rem; }
.panel--dark.panel--sub .panel__subtitle { font-size: 1rem; margin-bottom: 0; }

/* Lead-callout */
.lead-callout { background: linear-gradient(135deg, rgba(13,148,136,0.08), rgba(13,148,136,0.02)); border-left: 4px solid var(--color-accent); padding: 1.25rem 1.5rem; margin: 1.5rem 0; border-radius: 0 0.5rem 0.5rem 0; }
.lead-callout h3 { font-size: 1rem; font-weight: 700; color: var(--color-accent); margin: 0 0 0.25rem !important; }
.lead-callout p { font-size: 0.9375rem; margin: 0; color: var(--color-text); }

/* Accessibility */
:focus-visible { outline: 2px solid var(--color-accent); outline-offset: 2px; }
@media (prefers-reduced-motion: reduce) { *, *::before, *::after { animation-duration: 0.01ms !important; animation-iteration-count: 1 !important; transition-duration: 0.01ms !important; } }

/* Print */
@media print {
  .layout__rail, [role="banner"] { display: none; }
  .layout { grid-template-columns: 1fr; }
  .panel { padding: 1rem; }
}

/* Utility */
.u-center { text-align: center; }
.u-mt-lg { margin-top: 2rem; }
.u-mb-lg { margin-bottom: 2rem; }