/* HSB DESIGN SYSTEM - COMPLETE EMBEDDED STYLES */

/* Root Variables */
:root {
    --hsb-grey: #6D6E72;
    --hsb-gold: #BBA14C;
    --hsb-blue-primary: #0068b3;
    --hsb-blue-dark: #004990;
    --hsb-blue-light: #5c9ed6;
    --hsb-white: #ffffff;
    --hsb-black: #121212;
    --hsb-grey-light: #f8f9fa;
    --hsb-grey-medium: #e0e0e0;
    --hsb-grey-dark: #474746;
    --hsb-gold-light: #d4c68a;
    --hsb-gold-dark: #a08a3f;
    --hsb-success: #28a745;
    --hsb-warning: #ffc107;
    --hsb-danger: #dc3545;
    --hsb-info: #17a2b8;
    --hsb-font-primary: 'monob', sans-serif;
    --hsb-font-regular: 'monor', sans-serif;
    --hsb-space-xs: 0.5rem;
    --hsb-space-sm: 1rem;
    --hsb-space-md: 1.5rem;
    --hsb-space-lg: 2rem;
    --hsb-space-xl: 3rem;
    --hsb-space-xxl: 4rem;
    --hsb-icon-size-sm: 1.25rem;
    --hsb-icon-size-md: 1.75rem;
    --hsb-icon-size-lg: 2.25rem;
    --hsb-radius-sm: 4px;
    --hsb-radius-md: 8px;
    --hsb-radius-lg: 12px;
    --hsb-radius-xl: 16px;
    --hsb-radius-round: 50%;
    --hsb-shadow-sm: 0 2px 4px rgba(0, 0, 0, 0.08);
    --hsb-shadow-md: 0 4px 8px rgba(0, 0, 0, 0.12);
    --hsb-shadow-lg: 0 8px 16px rgba(0, 0, 0, 0.15);
    --hsb-shadow-xl: 0 12px 24px rgba(0, 0, 0, 0.18);
    --hsb-transition-fast: 0.2s ease;
    --hsb-transition-normal: 0.3s ease;
    --hsb-transition-slow: 0.5s ease;
}

body {
    margin: 0;
    padding: 0;
    font-family: var(--hsb-font-regular);
    background: #f5f5f5;
}

.demo-container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 2rem;
}

.demo-header {
    background: var(--hsb-gold);
    color: var(--hsb-white);
    padding: 1rem 0;
    text-align: center;
    margin-bottom: 2rem;
}

/* Hero - Design 1A-BG2: Gold Prominence with Radial Spotlight Background */
.hsb-hero {
    background: radial-gradient(ellipse at center, var(--hsb-blue-light) 0%, var(--hsb-blue-primary) 50%, var(--hsb-blue-dark) 100%);
    color: var(--hsb-white);
    padding: var(--hsb-space-xxl) var(--hsb-space-lg);
    text-align: center;
    border-radius: var(--hsb-radius-lg);
    margin-bottom: 20px;
    position: relative;
    overflow: hidden;
    box-shadow: var(--hsb-shadow-xl);
    border: 3px solid var(--hsb-gold);
}

/* Keyframe animation for subtle pulsing gold rings */
@keyframes hsbGoldRingsPulse {
    0%, 100% {
        opacity: 1;
    }
    50% {
        opacity: 0.5;
    }
}

/* Circular gold rings */
.hsb-hero::before {
    content: '';
    position: absolute;
    top: 50%;
    left: 50%;
    transform: translate(-50%, -50%);
    width: 600px;
    height: 600px;
    background-image:
        radial-gradient(circle, transparent 40%, rgba(187, 161, 76, 0.1) 40%, rgba(187, 161, 76, 0.1) 42%, transparent 42%),
        radial-gradient(circle, transparent 60%, rgba(187, 161, 76, 0.08) 60%, rgba(187, 161, 76, 0.08) 62%, transparent 62%);
    pointer-events: none;
    animation: hsbGoldRingsPulse 6s ease-in-out infinite;
}

/* Subtle sparkle pattern */
.hsb-hero::after {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background-image:
        radial-gradient(circle, rgba(255, 255, 255, 0.1) 1px, transparent 1px);
    background-size: 50px 50px;
    pointer-events: none;
}

.hsb-hero h1,
.hsb-hero p,
.hsb-hero-subtitle {
    position: relative;
    z-index: 1;
}

.hsb-hero h1 {
    color: var(--hsb-white);
    font-family: var(--hsb-font-primary);
    margin-bottom: var(--hsb-space-md);
    text-shadow: 0 4px 8px rgba(0, 0, 0, 0.3);
    letter-spacing: -0.02em;
}

.hsb-hero p {
    opacity: 0.95;
    line-height: 1.6;
    max-width: 800px;
    margin: 0 auto;
}

/* Gold accent line under heading */
.hsb-hero h1::after {
    content: '';
    display: block;
    width: 180px;
    height: 6px;
    background: linear-gradient(90deg, var(--hsb-gold-dark), var(--hsb-gold), var(--hsb-gold-light), var(--hsb-gold));
    margin: 1.25rem auto 0;
    border-radius: 3px;
    box-shadow: 0 0 20px rgba(187, 161, 76, 0.5);
}

.hsb-hero-subtitle {
    font-size: 1.5rem;
    margin-bottom: var(--hsb-space-lg);
    opacity: 0.95;
    line-height: 1.6;
}

/* Respect user motion preferences - disable animation for users who prefer reduced motion */
@media (prefers-reduced-motion: reduce) {
    .hsb-hero::before {
        animation: none;
    }
}

/* Buttons */
.hsb-btn {
    display: inline-block;
    padding: 0.875rem 2rem;
    font-family: var(--hsb-font-primary);
    font-size: 1.35rem;
    font-weight: 600;
    text-decoration: none;
    text-align: center;
    border-radius: var(--hsb-radius-md);
    transition: all var(--hsb-transition-normal);
    cursor: pointer;
    border: 2px solid transparent;
    line-height: 1.5;
}

.hsb-btn-primary {
    background: var(--hsb-blue-primary);
    color: var(--hsb-white);
    box-shadow: var(--hsb-shadow-md);
}

.hsb-btn-primary:hover {
    background: var(--hsb-blue-dark);
    transform: translateY(-2px);
    box-shadow: var(--hsb-shadow-lg);
    color: var(--hsb-white);
    text-decoration: none;
}

.hsb-btn-gold {
    background: var(--hsb-gold);
    color: var(--hsb-white);
    box-shadow: var(--hsb-shadow-md);
}

.hsb-btn-gold:hover {
    background: var(--hsb-gold-dark);
    transform: translateY(-2px);
    box-shadow: var(--hsb-shadow-lg);
    color: var(--hsb-white);
    text-decoration: none;
}

.hsb-btn-outline {
    background: transparent;
    color: var(--hsb-blue-primary);
    border-color: var(--hsb-blue-primary);
}

.hsb-btn-outline:hover {
    background: var(--hsb-blue-primary);
    color: var(--hsb-white);
    text-decoration: none;
}

/* Account Cards */
.hsb-account-cards {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: var(--hsb-space-lg);
    margin: var(--hsb-space-xl) 0;
}

.hsb-account-card {
    background: var(--hsb-white);
    border: 2px solid var(--hsb-grey-medium);
    border-radius: var(--hsb-radius-xl);
    overflow: hidden;
    transition: all var(--hsb-transition-normal);
    display: flex;
    flex-direction: column;
}

.hsb-account-card:hover {
    border-color: var(--hsb-gold);
    box-shadow: var(--hsb-shadow-lg);
    transform: translateY(-6px);
}

.hsb-account-badge {
    background: var(--hsb-gold);
    color: var(--hsb-white);
    padding: 0.5rem 1rem;
    text-align: center;
    font-weight: bold;
    font-size: 0.875rem;
    text-transform: uppercase;
}

.hsb-account-card h3 {
    font-size: 1.5rem;
    margin: var(--hsb-space-md) 0 var(--hsb-space-sm) 0;
    padding: 0 var(--hsb-space-lg);
    color: var(--hsb-blue-primary);
}

.hsb-account-rate {
    font-size: 2rem;
    font-weight: bold;
    color: var(--hsb-gold);
    padding: 0 var(--hsb-space-lg);
    margin-bottom: var(--hsb-space-sm);
}

.hsb-account-description {
    padding: 0 var(--hsb-space-lg);
    color: var(--hsb-grey-dark);
    margin-bottom: var(--hsb-space-md);
}

/* Icon Lists */
.hsb-icon-list {
    list-style: none;
    padding: 0 var(--hsb-space-lg);
    margin: var(--hsb-space-md) 0;
}

.hsb-icon-list li {
    padding: var(--hsb-space-sm) 0 var(--hsb-space-sm) 2rem;
    position: relative;
    line-height: 1.6;
    color: var(--hsb-grey-dark);
}

.hsb-icon-list li::before {
    content: '✓';
    position: absolute;
    left: 0;
    top: var(--hsb-space-sm);
    color: var(--hsb-gold);
    font-weight: bold;
    font-size: 1.25rem;
}

.hsb-account-card .hsb-btn {
    margin: var(--hsb-space-md) var(--hsb-space-lg) var(--hsb-space-lg) var(--hsb-space-lg);
}

/* Comparison Table */
.hsb-comparison-table-wrapper {
    overflow-x: auto;
    margin: var(--hsb-space-xl) 0;
}

.hsb-comparison-table {
    width: 100%;
    border-collapse: collapse;
    border-radius: var(--hsb-radius-lg);
    overflow: hidden;
    box-shadow: var(--hsb-shadow-md);
    background: var(--hsb-white);
}

.hsb-comparison-table th,
.hsb-comparison-table td {
    padding: var(--hsb-space-md);
    text-align: left;
    border-bottom: 1px solid var(--hsb-grey-medium);
}

.hsb-comparison-table thead th {
    background: var(--hsb-blue-primary);
    color: var(--hsb-white);
    font-weight: 700;
    text-align: center;
    font-family: var(--hsb-font-primary);
}

.hsb-comparison-table tbody tr:nth-child(even) {
    background: var(--hsb-grey-light);
}

.hsb-comparison-table tbody tr:hover {
    background: #e7f3ff;
}

.hsb-comparison-table td:first-child {
    font-weight: 600;
    color: var(--hsb-grey);
}

.hsb-comparison-table td {
    text-align: center;
}

.hsb-comparison-table td:first-child {
    text-align: left;
}

/* Two Column */
.hsb-two-col {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: var(--hsb-space-xl);
    margin: var(--hsb-space-lg) 0;
}

/* Feature Highlight */
.hsb-feature-highlight {
    background: var(--hsb-grey-light);
    padding: var(--hsb-space-lg);
    border-radius: var(--hsb-radius-md);
    border-left: 4px solid var(--hsb-blue-primary);
    margin-bottom: var(--hsb-space-md);
}

/* Mortgage Options Grid - Two Column */
.hsb-mortgage-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: var(--hsb-space-lg);
}
.hsb-mortgage-grid .hsb-feature-highlight {
    margin-bottom: 0;
}

.hsb-feature-highlight h3 {
    color: var(--hsb-blue-primary);
    margin-top: 0;
}

/* Info Box */
.hsb-info-box {
    background: var(--hsb-white);
    color: var(--hsb-blue-dark);
    padding: var(--hsb-space-xl);
    border-radius: var(--hsb-radius-md);
    text-align: center;
    margin: var(--hsb-space-xl) auto;
    max-width: 1000px;
    box-shadow: var(--hsb-shadow-md);
    border: 1px solid #e8e8e8;
}

.hsb-info-box h3 {
    color: var(--hsb-blue-dark);
    font-size: 1.75em;
    margin-bottom: var(--hsb-space-md);
    font-weight: 700;
    margin-top: 0;
}

.hsb-info-box p {
    font-size: 1.35rem;
    line-height: 1.7;
    margin-bottom: var(--hsb-space-lg);
}

.hsb-info-box ul,
.hsb-info-box ol {
    text-align: left;
    padding-left: 1.5rem;
    max-width: 700px;
    margin: var(--hsb-space-md) auto var(--hsb-space-lg);
    font-size: 1.35rem;
}

.hsb-info-box ul li,
.hsb-info-box ol li {
    margin-bottom: 0.5rem;
    line-height: 1.7;
}

/* Callout Boxes */
.hsb-callout {
    padding: var(--hsb-space-lg);
    border-radius: var(--hsb-radius-md);
    border-left: 4px solid;
    margin: var(--hsb-space-lg) 0;
    box-shadow: var(--hsb-shadow-sm);
}

.hsb-callout h3,
.hsb-callout h4 {
    margin-top: 0;
    margin-bottom: var(--hsb-space-sm);
    display: flex;
    align-items: center;
    gap: 0.5rem;
}

.hsb-callout p {
    margin-bottom: var(--hsb-space-sm);
}

.hsb-callout ul {
    margin: var(--hsb-space-sm) 0;
    padding-left: 1.5rem;
}

.hsb-callout ul li {
    margin-bottom: 0.5rem;
    line-height: 1.6;
}

.hsb-callout-primary {
    background: var(--hsb-grey-light);
    border-left-color: var(--hsb-blue-primary);
    color: inherit;
}

.hsb-callout-primary h3,
.hsb-callout-primary h4 {
    color: var(--hsb-blue-primary);
}

.hsb-callout-success {
    background: var(--hsb-white);
    border-left-color: var(--hsb-gold);
    color: inherit;
    box-shadow: var(--hsb-shadow-md);
    border: 1px solid #e8e8e8;
    border-left: 4px solid var(--hsb-gold);
}

.hsb-callout-success h3,
.hsb-callout-success h4 {
    color: var(--hsb-blue-primary);
}

.hsb-callout-info {
    background: var(--hsb-white);
    border-left-color: var(--hsb-gold);
    color: inherit;
    box-shadow: var(--hsb-shadow-md);
    border: 1px solid #e8e8e8;
    border-left: 4px solid var(--hsb-gold);
    transition: all var(--hsb-transition-normal);
}

.hsb-callout-info:hover {
    box-shadow: var(--hsb-shadow-lg);
    border-color: #d0d0d0;
    border-left: 4px solid #d0d0d0;
}

.hsb-callout-info h3,
.hsb-callout-info h4 {
    color: var(--hsb-blue-primary);
}

.hsb-callout-warning {
    background: #fff3cd;
    border-left-color: var(--hsb-warning);
    color: #856404;
}

.hsb-callout-warning h3,
.hsb-callout-warning h4 {
    color: #856404;
}

.hsb-callout-gold {
    background: var(--hsb-white);
    border-left-color: var(--hsb-gold);
    color: inherit;
    box-shadow: var(--hsb-shadow-md);
    border: 1px solid #e8e8e8;
    border-left: 4px solid var(--hsb-gold);
    transition: all var(--hsb-transition-normal);
}

.hsb-callout-gold:hover {
    box-shadow: var(--hsb-shadow-lg);
    border-color: #d0d0d0;
    border-left: 4px solid #d0d0d0;
}

.hsb-callout-gold h3,
.hsb-callout-gold h4 {
    color: var(--hsb-blue-primary);
}

/* Cards */
.hsb-card {
    background: var(--hsb-white);
    border-radius: var(--hsb-radius-lg);
    padding: var(--hsb-space-lg);
    box-shadow: var(--hsb-shadow-md);
    transition: all var(--hsb-transition-normal);
    border: 1px solid var(--hsb-grey-medium);
}

/* Section Title */
.hsb-section-title {
    font-family: var(--hsb-font-primary);
    font-size: 2.5rem;
    color: var(--hsb-grey);
    margin-bottom: var(--hsb-space-lg);
}

/* Login Buttons */
.hsb-login-buttons {
    display: flex;
    justify-content: center;
    gap: var(--hsb-space-md);
    margin: var(--hsb-space-xl) 0;
    padding: var(--hsb-space-lg) var(--hsb-space-xl);
    background: linear-gradient(135deg, var(--hsb-blue-primary) 0%, var(--hsb-blue-dark) 100%);
    border-radius: var(--hsb-radius-lg);
    box-shadow: var(--hsb-shadow-lg);
    flex-wrap: wrap;
}

.hsb-login-buttons .hsb-btn {
    padding: 0.85rem 2rem;
    min-width: 200px;
    text-align: center;
}

.hsb-login-buttons .hsb-btn i {
    margin-right: 0.5rem;
}

.hsb-login-buttons .hsb-btn-outline {
    background: var(--hsb-white);
    color: var(--hsb-blue-primary);
    border-color: var(--hsb-white);
}

.hsb-login-buttons .hsb-btn-outline:hover {
    background: var(--hsb-grey-light);
    color: var(--hsb-blue-dark);
}

/* CTA Banner */
.hsb-cta-banner {
    background: linear-gradient(135deg, var(--hsb-blue-primary) 0%, var(--hsb-blue-dark) 100%);
    color: var(--hsb-white);
    padding: var(--hsb-space-xxl) var(--hsb-space-lg);
    text-align: center;
    border-radius: var(--hsb-radius-lg);
    margin: var(--hsb-space-xl) 0;
    position: relative;
    overflow: hidden;
}

.hsb-cta-content {
    display: flex;
    justify-content: space-between;
    align-items: center;
    max-width: 900px;
    margin: 0 auto;
    gap: var(--hsb-space-lg);
    position: relative;
    z-index: 1;
}

/* Quick Links Grid */
.hsb-quick-links {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(150px, 1fr));
    gap: var(--hsb-space-lg);
    margin: var(--hsb-space-xl) 0;
}

.hsb-quick-link {
    background: var(--hsb-white);
    border: 2px solid var(--hsb-grey-medium);
    border-radius: var(--hsb-radius-lg);
    padding: var(--hsb-space-lg);
    text-align: center;
    text-decoration: none;
    transition: all var(--hsb-transition-normal);
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: var(--hsb-space-sm);
}

.hsb-quick-link:hover {
    border-color: var(--hsb-gold);
    box-shadow: var(--hsb-shadow-lg);
    transform: translateY(-4px);
    text-decoration: none;
}

.hsb-quick-link-icon {
    width: 60px;
    height: 60px;
    background: var(--hsb-blue-primary);
    border-radius: var(--hsb-radius-round);
    display: flex;
    align-items: center;
    justify-content: center;
    transition: all var(--hsb-transition-normal);
}

.hsb-quick-link:hover .hsb-quick-link-icon {
    background: var(--hsb-gold);
    transform: scale(1.1);
}

.hsb-quick-link-icon i {
    color: var(--hsb-white);
    font-size: var(--hsb-icon-size-lg);
}

.hsb-quick-link-label {
    color: var(--hsb-grey);
    font-weight: 600;
    font-size: 1.6rem;
    line-height: 1.3;
}

.hsb-quick-link:hover .hsb-quick-link-label {
    color: var(--hsb-blue-primary);
}

/* Value Propositions Grid */
.hsb-value-props {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: var(--hsb-space-lg);
    margin: var(--hsb-space-xl) 0;
}

.hsb-value-prop {
    background: var(--hsb-white);
    border: 1px solid var(--hsb-grey-medium);
    border-radius: var(--hsb-radius-lg);
    padding: var(--hsb-space-lg);
    text-align: center;
    transition: all var(--hsb-transition-normal);
}

.hsb-value-prop:hover {
    border-color: var(--hsb-blue-primary);
    box-shadow: var(--hsb-shadow-md);
    transform: translateY(-2px);
}

.hsb-value-icon {
    width: 70px;
    height: 70px;
    background: var(--hsb-blue-primary);
    border-radius: var(--hsb-radius-round);
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto var(--hsb-space-md) auto;
    transition: all var(--hsb-transition-normal);
}

.hsb-value-prop:hover .hsb-value-icon {
    background: var(--hsb-gold);
    transform: rotate(5deg) scale(1.05);
}

.hsb-value-icon i {
    color: var(--hsb-white);
    font-size: 1.75rem;
}

.hsb-value-prop h3 {
    color: var(--hsb-grey);
    margin: var(--hsb-space-sm) 0;
    font-size: 1.25rem;
}

.hsb-value-prop p {
    color: var(--hsb-grey-dark);
    margin: var(--hsb-space-sm) 0;
    line-height: 1.6;
}

/* Link with Arrow */
.hsb-link-arrow {
    color: var(--hsb-blue-primary);
    text-decoration: none;
    font-weight: 600;
    transition: all var(--hsb-transition-fast);
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
}

.hsb-link-arrow:hover {
    color: var(--hsb-gold);
    text-decoration: none;
}

.hsb-link-arrow i {
    transition: transform var(--hsb-transition-fast);
}

.hsb-link-arrow:hover i {
    transform: translateX(4px);
}

/* Stats Row */
.hsb-stats-row {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
    gap: var(--hsb-space-lg);
    margin: var(--hsb-space-xl) 0;
}

.hsb-stat {
    background: var(--hsb-white);
    border: 2px solid var(--hsb-grey-medium);
    border-radius: var(--hsb-radius-lg);
    padding: var(--hsb-space-lg);
    text-align: center;
    transition: all var(--hsb-transition-normal);
}

.hsb-stat:hover {
    border-color: var(--hsb-gold);
    box-shadow: var(--hsb-shadow-md);
    transform: translateY(-4px);
}

.hsb-stat-number {
    font-size: 3rem;
    font-weight: bold;
    color: var(--hsb-blue-primary);
    font-family: var(--hsb-font-primary);
    margin-bottom: var(--hsb-space-sm);
    line-height: 1;
}

.hsb-stat-label {
    font-size: 0.95rem;
    color: var(--hsb-grey);
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

/* Timeline Process */
.hsb-process-timeline {
    margin: var(--hsb-space-xl) 0;
}

.hsb-timeline {
    position: relative;
    padding-left: 0;
    margin-top: var(--hsb-space-lg);
}

.hsb-timeline-item {
    position: relative;
    padding-left: 4rem;
    padding-bottom: var(--hsb-space-xl);
}

.hsb-timeline-item:last-child {
    padding-bottom: 0;
}

.hsb-timeline-item::before {
    content: '';
    position: absolute;
    left: 1.5rem;
    top: 3rem;
    bottom: 0;
    width: 3px;
    background: var(--hsb-grey-medium);
}

.hsb-timeline-item:last-child::before {
    display: none;
}

.hsb-timeline-marker {
    position: absolute;
    left: 0;
    top: 0;
    width: 3rem;
    height: 3rem;
    background: var(--hsb-blue-primary);
    border-radius: var(--hsb-radius-round);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.25rem;
    font-weight: bold;
    color: var(--hsb-white);
    font-family: var(--hsb-font-primary);
    box-shadow: 0 0 0 4px var(--hsb-white), 0 0 0 6px var(--hsb-grey-medium);
    z-index: 1;
}

.hsb-timeline-content {
    background: var(--hsb-grey-light);
    padding: var(--hsb-space-lg);
    border-radius: var(--hsb-radius-md);
    border-left: 4px solid var(--hsb-blue-primary);
}

.hsb-timeline-content h3 {
    margin-top: 0;
    color: var(--hsb-blue-primary);
    margin-bottom: var(--hsb-space-sm);
}

.hsb-timeline-content p {
    margin: 0;
    color: var(--hsb-grey-dark);
    line-height: 1.6;
}

/* Service Tiers */
.hsb-service-tiers {
    margin: var(--hsb-space-xxl) 0;
}

.hsb-tier-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: var(--hsb-space-lg);
    margin-top: var(--hsb-space-lg);
}

.hsb-tier-card {
    background: var(--hsb-white);
    border: 2px solid var(--hsb-grey-medium);
    border-radius: var(--hsb-radius-lg);
    padding: var(--hsb-space-lg);
    text-align: center;
    transition: all var(--hsb-transition-normal);
    display: flex;
    flex-direction: column;
}

.hsb-tier-card:hover {
    border-color: var(--hsb-blue-primary);
    box-shadow: var(--hsb-shadow-lg);
    transform: translateY(-6px);
}

.hsb-tier-featured {
    border-color: var(--hsb-gold);
    box-shadow: var(--hsb-shadow-md);
    position: relative;
}

.hsb-tier-featured::before {
    content: 'MOST POPULAR';
    position: absolute;
    top: -12px;
    left: 50%;
    transform: translateX(-50%);
    background: var(--hsb-gold);
    color: var(--hsb-white);
    padding: 0.25rem 1rem;
    border-radius: 20px;
    font-size: 0.75rem;
    font-weight: bold;
    letter-spacing: 0.5px;
}

.hsb-tier-badge {
    display: inline-block;
    padding: 0.5rem 1.5rem;
    border-radius: 20px;
    font-weight: bold;
    font-size: 0.875rem;
    text-transform: uppercase;
    letter-spacing: 0.5px;
    margin-bottom: var(--hsb-space-md);
}

.hsb-tier-bronze {
    background: #cd7f32;
    color: var(--hsb-white);
}

.hsb-tier-gold {
    background: var(--hsb-gold);
    color: var(--hsb-white);
}

.hsb-tier-platinum {
    background: #e5e4e2;
    color: var(--hsb-grey);
}

.hsb-tier-card h3 {
    color: var(--hsb-grey);
    margin: var(--hsb-space-sm) 0;
    font-size: 1.5rem;
}

.hsb-tier-amount {
    font-size: 1.75rem;
    font-weight: bold;
    color: var(--hsb-blue-primary);
    margin: var(--hsb-space-md) 0;
    font-family: var(--hsb-font-primary);
}

.hsb-tier-features {
    list-style: none;
    padding: 0;
    margin: var(--hsb-space-lg) 0;
    text-align: left;
    flex-grow: 1;
}

.hsb-tier-features li {
    padding: var(--hsb-space-sm) 0 var(--hsb-space-sm) 1.75rem;
    position: relative;
    line-height: 1.5;
    color: var(--hsb-grey-dark);
}

.hsb-tier-features li::before {
    content: '✓';
    position: absolute;
    left: 0;
    color: var(--hsb-gold);
    font-weight: bold;
    font-size: 1.25rem;
}

.hsb-tier-card .hsb-btn {
    margin-top: var(--hsb-space-md);
}

/* Feature List - Prominent checkmark list */
.hsb-feature-list {
    list-style: none;
    padding: 0;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 0;
    background: var(--hsb-white);
    border-radius: var(--hsb-radius-lg);
    box-shadow: var(--hsb-shadow-md);
    border: 1px solid var(--hsb-grey-medium);
    overflow: hidden;
}

.hsb-feature-list li {
    padding: var(--hsb-space-md) var(--hsb-space-lg) var(--hsb-space-md) 3.5rem;
    position: relative;
    line-height: 1.6;
    color: var(--hsb-grey-dark);
    font-size: 1.35rem;
    border-bottom: 1px solid var(--hsb-grey-medium);
    transition: background var(--hsb-transition-fast);
}

.hsb-feature-list li:hover {
    background: var(--hsb-grey-light);
}

.hsb-feature-list li::before {
    content: '\f058';
    font-family: 'Font Awesome 5 Free';
    font-weight: 900;
    position: absolute;
    left: var(--hsb-space-lg);
    top: var(--hsb-space-md);
    color: var(--hsb-blue-primary);
    font-size: 1.25rem;
}

.hsb-feature-list li:nth-last-child(1),
.hsb-feature-list li:nth-last-child(2) {
    border-bottom: none;
}

@media screen and (max-width: 768px) {
    .hsb-feature-list {
        grid-template-columns: 1fr;
    }
    .hsb-feature-list li:nth-last-child(2) {
        border-bottom: 1px solid var(--hsb-grey-medium);
    }
    .hsb-feature-list li:last-child {
        border-bottom: none;
    }
}

/* Utility Classes */
.hsb-mb-xxl { margin-bottom: var(--hsb-space-xxl); }
.hsb-mb-xl { margin-bottom: var(--hsb-space-xl); }
.hsb-mb-lg { margin-bottom: var(--hsb-space-lg); }
.hsb-mb-md { margin-bottom: var(--hsb-space-md); }
.hsb-mb-sm { margin-bottom: var(--hsb-space-sm); }
.hsb-mt-xxl { margin-top: var(--hsb-space-xxl); }
.hsb-mt-xl { margin-top: var(--hsb-space-xl); }
.hsb-mt-lg { margin-top: var(--hsb-space-lg); }
.hsb-mt-md { margin-top: var(--hsb-space-md); }
.hsb-mt-sm { margin-top: var(--hsb-space-sm); }
.hsb-text-center { text-align: center; }

/* Mobile Responsive */
@media screen and (max-width: 980px) {
    .hsb-account-cards { grid-template-columns: repeat(2, 1fr); }
    .hsb-quick-links { grid-template-columns: repeat(3, 1fr); }
    .hsb-value-props { grid-template-columns: repeat(2, 1fr); }
    .hsb-stats-row { grid-template-columns: repeat(2, 1fr); }
    .hsb-tier-grid { grid-template-columns: repeat(2, 1fr); }
}

@media screen and (max-width: 768px) {
    .hsb-two-col { grid-template-columns: 1fr; }
    .hsb-mortgage-grid { grid-template-columns: 1fr; }
    .hsb-hero h1 { font-size: 1.75rem; }
    .hsb-section-title { font-size: 1.75rem; }
    .hsb-quick-links { grid-template-columns: repeat(2, 1fr); }
    .hsb-timeline-item { padding-left: 3rem; }
    .hsb-timeline-item::before { left: 1rem; }
    .hsb-timeline-marker { width: 2.5rem; height: 2.5rem; font-size: 1rem; }
}

@media screen and (max-width: 600px) {
    .hsb-hero { padding: var(--hsb-space-lg) var(--hsb-space-sm); }
    .hsb-hero h1 { font-size: 1.5rem; }
    .hsb-account-cards { grid-template-columns: 1fr; }
    .hsb-quick-links { grid-template-columns: repeat(2, 1fr); }
    .hsb-value-props { grid-template-columns: 1fr; }
    .hsb-stats-row { grid-template-columns: 1fr; }
    .hsb-tier-grid { grid-template-columns: 1fr; }
    .hsb-btn { width: 100%; }
    .hsb-cta-content { flex-direction: column; }
    .hsb-comparison-table { min-width: 600px; }
    .hsb-stat-number { font-size: 2.5rem; }
}

@media screen and (max-width: 400px) {
    .hsb-hero h1 { font-size: 1.25rem; }
    .hsb-account-card h3 { font-size: 1.125rem; }
    .hsb-quick-links { grid-template-columns: 1fr; }
    .hsb-section-title { font-size: 1.5rem; }
    .hsb-stat-number { font-size: 2rem; }
    .hsb-stat-label { font-size: 0.85rem; }
}