:root {
  --tbk-bg: #f3efe6;
  --tbk-paper: #fffdf8;
  --tbk-ink: #162033;
  --tbk-muted: #5c6573;
  --tbk-line: #e4dccb;
  --tbk-navy: #0c2340;
  --tbk-navy-2: #16365c;
  --tbk-gold: #b8893a;
  --tbk-gold-2: #e8c98a;
  --tbk-sea: #1d6a73;
  --tbk-max: 76rem;
  --tbk-radius: 20px;
  --tbk-shadow: 0 1px 2px rgba(12, 35, 64, 0.05), 0 16px 36px rgba(12, 35, 64, 0.08);
  --tbk-serif: Georgia, "Iowan Old Style", "Palatino Linotype", Palatino, serif;
  --tbk-sans: "Segoe UI", system-ui, -apple-system, "Helvetica Neue", Arial, sans-serif;
}

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

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: var(--tbk-sans);
  font-size: 1.05rem;
  line-height: 1.65;
  color: var(--tbk-ink);
  background:
    radial-gradient(42% 28% at 100% 0%, rgba(184, 137, 58, 0.16), transparent 62%),
    radial-gradient(36% 24% at 0% 8%, rgba(29, 106, 115, 0.1), transparent 58%),
    var(--tbk-bg);
}

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

a {
  color: var(--tbk-sea);
  text-underline-offset: 3px;
}

a:hover {
  color: var(--tbk-navy);
}

h1,
h2,
h3 {
  font-family: var(--tbk-serif);
  font-weight: 700;
}

.tbk-page {
  min-height: 100vh;
  display: flex;
  flex-direction: column;
}

.tbk-skip {
  position: absolute;
  left: -999px;
}

.tbk-skip:focus {
  left: 1rem;
  top: 1rem;
  z-index: 80;
  background: var(--tbk-navy);
  color: #fff;
  padding: 0.5rem 0.8rem;
  border-radius: 8px;
}

.tbk-bar {
  position: sticky;
  top: 0;
  z-index: 40;
  background: rgba(255, 253, 248, 0.94);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--tbk-line);
  box-shadow: 0 8px 24px rgba(12, 35, 64, 0.04);
}

.tbk-bar__wrap {
  max-width: var(--tbk-max);
  margin: 0 auto;
  padding: 0.8rem 1.25rem;
  display: flex;
  align-items: center;
  gap: 1rem;
  position: relative;
}

.tbk-brand {
  display: flex;
  align-items: center;
  gap: 0.65rem;
  color: var(--tbk-navy);
  text-decoration: none;
  font-weight: 750;
  letter-spacing: -0.03em;
  font-size: 1.12rem;
}

.tbk-brand img {
  width: 40px;
  height: 40px;
}

.tbk-burger {
  display: none;
  margin-left: auto;
  border: 0;
  background: var(--tbk-navy);
  color: #fff;
  border-radius: 999px;
  padding: 0.45rem 0.9rem;
  font-weight: 700;
  cursor: pointer;
}

.tbk-menu ul {
  display: flex;
  flex-wrap: wrap;
  gap: 0.15rem 0.75rem;
  list-style: none;
  margin: 0;
  padding: 0;
  align-items: center;
}

.tbk-menu a {
  color: var(--tbk-muted);
  text-decoration: none;
  font-size: 0.92rem;
  font-weight: 650;
}

.tbk-menu a:hover,
.tbk-menu a[aria-current="page"] {
  color: var(--tbk-navy);
}

.tbk-menu a[href="/sign-in/"] {
  background: var(--tbk-navy);
  color: #fff;
  border-radius: 999px;
  padding: 0.42rem 0.9rem;
}

.tbk-menu a[href="/sign-in/"]:hover,
.tbk-menu a[href="/sign-in/"][aria-current="page"] {
  background: var(--tbk-gold);
  color: var(--tbk-navy);
}

.tbk-body {
  width: min(var(--tbk-max), calc(100% - 2.5rem));
  margin: 0 auto;
  padding: 1.5rem 0 3.4rem;
  flex: 1;
}

.tbk-hero {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 1.2rem;
  align-items: center;
  background:
    linear-gradient(145deg, rgba(232, 201, 138, 0.18), transparent 36%),
    linear-gradient(160deg, var(--tbk-navy) 0%, var(--tbk-navy-2) 72%, #1d6a73 140%);
  color: #f7f3ea;
  border-radius: 28px;
  padding: 1.5rem;
  box-shadow: var(--tbk-shadow);
  position: relative;
  overflow: hidden;
}

.tbk-hero::after {
  content: "";
  position: absolute;
  left: 0;
  top: 0;
  bottom: 0;
  width: 6px;
  background: linear-gradient(180deg, var(--tbk-gold-2), var(--tbk-gold));
}

.tbk-hero h1,
.tbk-hero p,
.tbk-hero a {
  color: inherit;
}

.tbk-kicker,
.tbk-hero__eyebrow {
  margin: 0 0 0.45rem;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  font-size: 0.74rem;
  font-weight: 750;
  font-family: var(--tbk-sans);
  color: var(--tbk-gold-2);
}

.tbk-hero h1,
.tbk-pagehead h1 {
  font-size: clamp(1.85rem, 3.2vw, 2.75rem);
  line-height: 1.12;
  letter-spacing: -0.03em;
  margin: 0 0 0.7rem;
}

.tbk-hero__lead,
.tbk-pagehead p {
  margin: 0 0 1rem;
  font-size: 1.05rem;
}

.tbk-hero__lead {
  color: #e7e1d4;
}

.tbk-pagehead p {
  color: var(--tbk-muted);
}

.tbk-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.6rem;
}

.tbk-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: 999px;
  padding: 0.68rem 1.08rem;
  font-weight: 750;
  text-decoration: none;
  border: 1px solid transparent;
  cursor: pointer;
  font: inherit;
}

.tbk-btn--fill {
  background: var(--tbk-gold);
  color: var(--tbk-navy);
}

.tbk-btn--fill:hover {
  background: var(--tbk-gold-2);
  color: var(--tbk-navy);
}

.tbk-btn--line {
  background: transparent;
  color: #fff;
  border-color: rgba(255, 255, 255, 0.45);
}

.tbk-hero .tbk-btn--line:hover {
  color: #fff;
  border-color: #fff;
}

.tbk-btn--ink {
  background: var(--tbk-navy);
  color: #fff;
}

.tbk-btn--ink:hover {
  color: #fff;
  background: var(--tbk-navy-2);
}

.tbk-btn--ghost {
  background: #fff;
  color: var(--tbk-ink);
  border-color: var(--tbk-line);
}

.tbk-btn--ghost:hover {
  color: var(--tbk-navy);
  border-color: var(--tbk-gold);
}

.tbk-hero__media img,
.tbk-frame img {
  width: 100%;
  border-radius: 18px;
  background: #f7f3ea;
}

.tbk-stats {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0.8rem;
  margin: 1rem 0 0;
}

.tbk-stat {
  background: var(--tbk-paper);
  border: 1px solid var(--tbk-line);
  border-radius: 16px;
  padding: 0.9rem 1rem;
  border-top: 3px solid var(--tbk-gold);
}

.tbk-stat b {
  display: block;
  font-size: 1.28rem;
  letter-spacing: -0.03em;
  font-family: var(--tbk-serif);
}

.tbk-stat span {
  color: var(--tbk-muted);
  font-size: 0.9rem;
}

.tbk-grid {
  display: grid;
  gap: 0.9rem;
  margin: 1.2rem 0;
}

.tbk-grid--2 { grid-template-columns: 1fr 1fr; }
.tbk-grid--3 { grid-template-columns: repeat(3, 1fr); }
.tbk-grid--4 { grid-template-columns: repeat(4, 1fr); }

.tbk-card,
.tbk-panel,
.tbk-form {
  background: var(--tbk-paper);
  border: 1px solid var(--tbk-line);
  border-radius: var(--tbk-radius);
  padding: 1.1rem 1.15rem 1.2rem;
  box-shadow: var(--tbk-shadow);
}

.tbk-card h2,
.tbk-card h3,
.tbk-panel h2,
.tbk-form h2 {
  margin: 0.2rem 0 0.45rem;
  letter-spacing: -0.02em;
  line-height: 1.25;
}

.tbk-card p,
.tbk-panel p,
.tbk-form p,
.tbk-card li,
.tbk-panel li {
  color: var(--tbk-muted);
}

.tbk-card p,
.tbk-panel p,
.tbk-form p {
  margin: 0.35rem 0 0;
}

.tbk-card--link {
  display: flex;
  flex-direction: column;
  gap: 0.35rem;
  text-decoration: none;
  color: inherit;
  min-height: 100%;
  border-top: 3px solid var(--tbk-gold);
}

.tbk-card--link:hover {
  border-color: var(--tbk-sea);
  color: inherit;
}

.tbk-card__go {
  margin-top: auto;
  color: var(--tbk-navy);
  font-weight: 750;
  font-size: 0.92rem;
  font-family: var(--tbk-sans);
}

.tbk-section {
  margin: 1.7rem 0;
}

.tbk-section h2 {
  margin: 0 0 0.75rem;
  letter-spacing: -0.03em;
  font-size: 1.6rem;
}

.tbk-split {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 1rem;
  align-items: center;
}

.tbk-chart {
  display: grid;
  gap: 0.75rem;
}

.tbk-chart__row {
  display: grid;
  grid-template-columns: 9.2rem 1fr auto;
  gap: 0.6rem;
  align-items: center;
  font-size: 0.92rem;
}

.tbk-chart__track {
  height: 0.78rem;
  background: #efe7d6;
  border-radius: 999px;
  overflow: hidden;
}

.tbk-chart__track span {
  display: block;
  height: 100%;
  border-radius: inherit;
  background: linear-gradient(90deg, var(--tbk-navy), var(--tbk-gold));
}

.tbk-steps {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  gap: 0.75rem;
}

.tbk-steps li {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 0.8rem;
  background: var(--tbk-paper);
  border: 1px solid var(--tbk-line);
  border-radius: 16px;
  padding: 0.9rem 1rem;
}

.tbk-steps b {
  width: 2rem;
  height: 2rem;
  border-radius: 50%;
  display: grid;
  place-items: center;
  background: var(--tbk-navy);
  color: var(--tbk-gold-2);
  font-size: 0.9rem;
}

.tbk-steps h3 {
  margin: 0;
  font-size: 1.05rem;
}

.tbk-steps p {
  margin: 0.2rem 0 0;
  color: var(--tbk-muted);
}

.tbk-table-wrap {
  overflow-x: auto;
  border: 1px solid var(--tbk-line);
  border-radius: 16px;
  background: var(--tbk-paper);
}

.tbk-table {
  width: 100%;
  border-collapse: collapse;
  min-width: 40rem;
}

.tbk-table th,
.tbk-table td {
  text-align: left;
  padding: 0.75rem 0.9rem;
  border-bottom: 1px solid var(--tbk-line);
  vertical-align: top;
}

.tbk-table th {
  background: #f8f1e4;
  font-size: 0.92rem;
}

.tbk-table caption {
  caption-side: bottom;
  padding: 0.65rem;
  color: var(--tbk-muted);
  font-size: 0.85rem;
}

.tbk-faq details {
  background: var(--tbk-paper);
  border: 1px solid var(--tbk-line);
  border-radius: 14px;
  padding: 0.8rem 1rem;
  margin: 0 0 0.6rem;
}

.tbk-faq summary {
  cursor: pointer;
  font-weight: 750;
}

.tbk-faq p {
  color: var(--tbk-muted);
  margin: 0.55rem 0 0.2rem;
}

.tbk-crumbs {
  display: flex;
  flex-wrap: wrap;
  gap: 0.35rem;
  color: var(--tbk-muted);
  font-size: 0.88rem;
  margin: 0 0 0.8rem;
}

.tbk-crumbs a {
  text-decoration: none;
}

.tbk-pagehead {
  margin-bottom: 1rem;
}

.tbk-form label {
  display: block;
  font-weight: 700;
  margin: 0.75rem 0 0.3rem;
}

.tbk-form input,
.tbk-form select,
.tbk-form textarea {
  width: 100%;
  border: 1px solid var(--tbk-line);
  background: #fff;
  border-radius: 12px;
  padding: 0.7rem 0.8rem;
  font: inherit;
  color: var(--tbk-ink);
}

.tbk-alert {
  margin: 0.8rem 0 0;
  padding: 0.7rem 0.8rem;
  border-radius: 12px;
  background: #fff4e8;
  color: #7a4a12;
}

.tbk-alert--ok {
  background: #e7f4f2;
  color: #0f5c56;
}

.tbk-note {
  background: var(--tbk-navy);
  color: #f4f1ea;
  border-radius: 20px;
  padding: 1.2rem 1.3rem;
}

.tbk-note a {
  color: var(--tbk-gold-2);
}

.tbk-note h2,
.tbk-note p {
  margin: 0 0 0.45rem;
}

.tbk-note p:last-child {
  margin-bottom: 0;
}

.tbk-badges {
  display: flex;
  flex-wrap: wrap;
  gap: 0.6rem;
  margin-top: 0.8rem;
  align-items: center;
}

.tbk-badges img {
  background: #fff;
  border-radius: 8px;
  padding: 0.25rem 0.4rem;
}

.tbk-base {
  background: var(--tbk-navy);
  color: #d7ddd8;
  margin-top: auto;
}

.tbk-base a {
  color: #f6f1e6;
  text-decoration: none;
}

.tbk-base a:hover {
  color: var(--tbk-gold-2);
}

.tbk-base__cols {
  max-width: var(--tbk-max);
  margin: 0 auto;
  padding: 1.8rem 1.25rem 1rem;
  display: grid;
  grid-template-columns: 1.3fr 1fr 1fr;
  gap: 1.2rem;
}

.tbk-base h2 {
  margin: 0 0 0.45rem;
  font-size: 1rem;
  color: #fff;
}

.tbk-base ul {
  list-style: none;
  margin: 0;
  padding: 0;
}

.tbk-base li {
  margin: 0.28rem 0;
}

.tbk-base__copy {
  max-width: var(--tbk-max);
  margin: 0 auto;
  padding: 0 1.25rem 1.3rem;
  color: #a9b4c2;
  font-size: 0.88rem;
}

.tbk-notice {
  position: fixed;
  left: 1rem;
  right: 1rem;
  bottom: 1rem;
  z-index: 70;
  display: flex;
  gap: 1rem;
  justify-content: space-between;
  align-items: center;
  background: #fff;
  border: 1px solid var(--tbk-line);
  border-radius: 16px;
  padding: 0.9rem 1rem;
  box-shadow: var(--tbk-shadow);
}

.tbk-notice p {
  margin: 0;
}

.tbk-notice__acts {
  display: flex;
  gap: 0.45rem;
}

.tbk-notice .tbk-btn--line {
  color: var(--tbk-ink);
  border-color: var(--tbk-line);
}

.tbk-big {
  font-family: var(--tbk-serif);
  font-size: clamp(2rem, 4vw, 3rem);
  letter-spacing: -0.03em;
  margin: 0;
  color: var(--tbk-navy);
}

@media (max-width: 1040px) {
  .tbk-burger { display: inline-flex; }
  .tbk-menu {
    display: none;
    position: absolute;
    left: 0;
    right: 0;
    top: 100%;
    background: var(--tbk-paper);
    border-bottom: 1px solid var(--tbk-line);
    padding: 0.6rem 1.1rem 1rem;
  }
  .tbk-menu--open { display: block; }
  .tbk-menu ul { flex-direction: column; align-items: flex-start; }
  .tbk-hero,
  .tbk-split,
  .tbk-grid--4,
  .tbk-grid--3,
  .tbk-stats,
  .tbk-base__cols {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 720px) {
  .tbk-body { width: min(100% - 1.4rem, var(--tbk-max)); }
  .tbk-grid--2,
  .tbk-chart__row { grid-template-columns: 1fr; }
  .tbk-notice { flex-direction: column; align-items: stretch; }
}