/* Shared accessibility safeguards for the public site. */
.skip-link,
.skip-to-main {
  position: fixed;
  top: 10px;
  left: 10px;
  z-index: 100000;
  padding: 12px 16px;
  border-radius: 6px;
  background: #ffffff;
  color: #0a2540;
  font: 800 0.82rem/1.2 Montserrat, Arial, sans-serif;
  text-decoration: none;
  box-shadow: 0 6px 24px rgba(0, 0, 0, 0.25);
  transform: translateY(-160%);
  transition: transform 0.15s ease;
}

.skip-link:focus,
.skip-to-main:focus {
  transform: translateY(0);
}

:where(a, button, input, select, textarea, summary, [tabindex]):focus-visible {
  outline: 3px solid #5bcbf5 !important;
  outline-offset: 3px !important;
}

/* Small text on the navy sections previously fell below readable contrast. */
.hero-divider,
.hstat-lbl,
.trust-lbl,
.about-hi-s,
.acc-micro,
.np-lbl,
.footer-tagline,
.footer-col h4,
.footer-copy,
.about-photo-ph-hint,
.stat-big-src,
.refi-disclaimer,
.prequal-legal,
.ts-label {
  color: rgba(255, 255, 255, 0.72) !important;
}

@media (prefers-reduced-motion: reduce) {
  .skip-link,
  .skip-to-main {
    transition: none;
  }
}