.hero-copy {
  margin-top: -150px;
}

.savings-page .hero-copy h1 {
  font-size: clamp(2.7rem, 5vw, 4rem);
}

.club-table-shell {
  margin-top: 20px;
}

.club-rate-grid {
  grid-template-columns: 1.15fr 1fr 1fr 1fr;
}

@media (max-width: 980px) {
  .club-rate-grid {
    grid-template-columns: 1fr;
  }
}

.open-account-link-wrap {
  display: flex;
  justify-content: center;
}

.money-grid,
.related-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 24px;
}

.money-card,
.related-card {
  background: rgba(255, 255, 255, 0.9);
  border: 1px solid rgba(19, 33, 61, 0.06);
  border-radius: 22px;
  overflow: hidden;
  box-shadow: 0 18px 40px rgba(17, 32, 72, 0.08);
}

.money-card img {
  width: 100%;
  height: 230px;
  object-fit: cover;
}

.money-body,
.related-card {
  padding: 22px 20px;
}

.money-body h3,
.related-card h3 {
  margin-bottom: 10px;
  font-size: 1.4rem;
}

.money-body p,
.related-card p {
  color: var(--personal-muted);
  margin-bottom: 18px;
}

.money-body a,
.related-card a {
  color: var(--personal-accent);
  font-weight: 700;
}

.related-card {
  display: grid;
  gap: 8px;
}

.faq-list {
  display: grid;
  gap: 12px;
}

.faq-item {
  border: 1px solid rgba(19, 33, 61, 0.08);
  border-radius: 16px;
  background: rgba(255, 255, 255, 0.8);
  overflow: hidden;
}

.faq-question {
  width: 100%;
  display: flex;
  align-items: center;
  gap: 14px;
  border: none;
  background: transparent;
  padding: 18px 20px;
  text-align: left;
  font: inherit;
  color: var(--personal-dark);
  font-weight: 700;
  cursor: pointer;
}

.faq-question span:first-child {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: #edf3ff;
  color: var(--personal-accent);
  font-size: 1.4rem;
  line-height: 1;
}

.faq-answer {
  display: none;
  padding: 0 20px 18px 54px;
  color: var(--personal-muted);
  line-height: 1.7;
}

.faq-item.active .faq-answer {
  display: block;
}

.faq-item.active .faq-question span:first-child {
  content: "−";
}

@media (max-width: 980px) {
  .money-grid,
  .related-grid {
    grid-template-columns: 1fr;
  }
}


.phishing-notice {
  position: fixed;
  top: 20px;
  right: 20px;
  width: calc(100% - 40px);
  max-width: 430px;
  padding: 22px;
  background: #ffffff;
  color: #243044;
  border: 1px solid #d9e2ec;
  border-left: 5px solid #a6ef69;
  border-radius: 10px;
  box-shadow: 0 8px 28px rgba(0, 0, 0, 0.16);
  z-index: 99999;
  box-sizing: border-box;
  animation: phishingNoticeIn 0.35s ease;
}

.phishing-notice h3 {
  margin: 0 28px 10px 0;
  font-size: 18px;
  line-height: 1.4;
}

.phishing-notice p {
  margin: 0;
  font-size: 14px;
  line-height: 1.65;
}

.phishing-notice-close {
  position: absolute;
  top: 8px;
  right: 12px;
  border: none;
  background: transparent;
  color: #243044;
  font-size: 25px;
  cursor: pointer;
}

@keyframes phishingNoticeIn {
  from {
    opacity: 0;
    transform: translateY(-8px);
  }

  to {
    opacity: 1;
    transform: translateY(0);
  }
}

@media (max-width: 480px) {
  .phishing-notice {
    top: 10px;
    right: 10px;
    width: calc(100% - 20px);
    padding: 18px;
  }
}