/* West Coast Capital Investment — follows the West Coast Capital Mortgage design system:
   white + light gray, Inter, navy #0b2345, blue #0073e6 only for CTAs/links/eyebrows. */
:root{
  --navy:#0b2345;--navy-2:#13305a;--blue:#0073e6;--blue-dark:#005db8;--blue-soft:#e8f2fd;
  --ink:#1f1f1f;--gray:#5f6670;--line:#dddddd;--light:#f5f6f7;--white:#fff;
  --max:1180px;--r:12px;--r-card:16px;
  --shadow:0 1px 2px rgba(11,35,69,.06),0 8px 24px rgba(11,35,69,.07);
  --shadow-lg:0 2px 4px rgba(11,35,69,.06),0 18px 48px rgba(11,35,69,.12);
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;font-family:Inter,system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);background:var(--white);font-size:16px;line-height:1.6;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:var(--blue);text-decoration:none}
a:hover{text-decoration:underline}
h1,h2,h3{color:var(--navy);letter-spacing:-.02em;line-height:1.15;margin:0 0 .5em}
h1{font-size:clamp(2rem,4.4vw,3.1rem);font-weight:800}
h2{font-size:clamp(1.5rem,2.6vw,2.05rem);font-weight:800}
p{margin:0 0 1em}
.wrap{max-width:var(--max);margin:0 auto;padding:0 24px}
.sr-only{position:absolute!important;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.skip{position:absolute;left:-999px;top:0;background:var(--navy);color:#fff;padding:10px 16px;z-index:100}
.skip:focus{left:8px;top:8px}
:focus-visible{outline:3px solid rgba(0,115,230,.45);outline-offset:2px}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font:600 .86rem/1 Inter,sans-serif;text-transform:uppercase;letter-spacing:.06em;padding:14px 20px;border-radius:10px;border:1px solid transparent;cursor:pointer;transition:background .15s,border-color .15s,transform .15s;text-decoration:none!important;white-space:nowrap}
.btn:active{transform:translateY(1px)}
.btn-blue{background:var(--blue);color:#fff}
.btn-blue:hover{background:var(--blue-dark)}
.btn-outline{background:#fff;color:var(--navy);border-color:var(--line)}
.btn-outline:hover{border-color:var(--navy)}
.btn-outline-light{background:transparent;color:#fff;border-color:rgba(255,255,255,.45)}
.btn-outline-light:hover{border-color:#fff}
.btn-lg{padding:17px 24px;font-size:.9rem}
.btn-block{width:100%}
.btn-link{background:none;border:0;color:var(--gray);font:500 .9rem Inter,sans-serif;cursor:pointer;padding:10px;text-decoration:underline;display:block;margin:6px auto 0}

/* Top bar */
.topbar{background:var(--navy);color:#cfd8e6;font-size:.8rem}
.topbar-in{display:flex;justify-content:space-between;align-items:center;min-height:36px;gap:16px}
.topbar a{color:#fff}
.topbar-left{display:flex;gap:18px;align-items:center;min-width:0}
.topbar-note{color:#9fb0c8;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.langs{display:flex;gap:4px}
.langs a{padding:3px 8px;border-radius:6px;font-weight:600;font-size:.76rem;letter-spacing:.04em;color:#cfd8e6}
.langs a[aria-current]{background:var(--blue);color:#fff}
.langs a:hover{text-decoration:none;background:rgba(255,255,255,.12)}

/* Header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.97);backdrop-filter:saturate(1.4) blur(6px);border-bottom:1px solid var(--line)}
.header-in{display:flex;align-items:center;gap:28px;min-height:72px}
.logo{display:flex;flex-direction:column;line-height:1;text-decoration:none!important;flex:none}
.logo-top{font-weight:800;font-size:1.08rem;color:var(--navy);letter-spacing:-.01em}
.logo-bottom{font-weight:700;font-size:.66rem;color:var(--blue);letter-spacing:.42em;margin-top:5px}
.logo-dark .logo-top{color:#fff}.logo-dark .logo-bottom{color:#7db8f5}
.main-nav{flex:1}
.nav-list{list-style:none;margin:0;padding:0;display:flex;gap:4px;align-items:center}
.nav-btn,.nav-link{display:flex;align-items:center;gap:6px;white-space:nowrap;background:none;border:0;font:600 .93rem Inter,sans-serif;color:var(--navy);padding:10px 12px;border-radius:8px;cursor:pointer;text-decoration:none!important}
.nav-btn:hover,.nav-link:hover,.has-menu:focus-within .nav-btn{background:var(--light)}
.has-menu.is-active>.nav-btn,.nav-link.is-active{color:var(--blue)}
.has-menu{position:relative}
.menu{position:absolute;top:calc(100% + 6px);left:-8px;min-width:340px;background:#fff;border:1px solid var(--line);border-radius:var(--r-card);box-shadow:var(--shadow-lg);padding:8px;opacity:0;visibility:hidden;transform:translateY(4px);transition:opacity .15s,transform .15s,visibility .15s}
.has-menu:hover .menu,.has-menu:focus-within .menu,.has-menu.open .menu{opacity:1;visibility:visible;transform:none}
.menu ul{list-style:none;margin:0;padding:0}
.menu li a{display:block;padding:10px 12px;border-radius:10px;text-decoration:none!important}
.menu li a:hover{background:var(--light)}
.menu b{display:block;color:var(--navy);font-size:.93rem}
.menu span{display:block;color:var(--gray);font-size:.82rem;line-height:1.4;margin-top:2px}
.menu-sub{margin:8px 12px 2px;padding-top:10px;border-top:1px solid var(--line);font-size:.72rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--gray)}
.menu-foot{display:block;border-top:1px solid var(--line);margin-top:6px;padding:12px 12px 6px;font-weight:600;font-size:.88rem}
.header-actions{display:flex;align-items:center;gap:14px;margin-left:auto}
.header-phone{font-weight:700;color:var(--navy);white-space:nowrap}
.header-cta{padding:12px 16px}
.header-login{font-weight:600;color:var(--navy);white-space:nowrap;font-size:.93rem}
.header-login:hover{color:var(--blue)}
.burger{display:none;width:44px;height:44px;border:1px solid var(--line);border-radius:10px;background:#fff;flex-direction:column;justify-content:center;align-items:center;gap:5px;cursor:pointer}
.burger span{width:20px;height:2px;background:var(--navy);border-radius:2px;transition:transform .2s,opacity .2s}
.nav-mobile-extra{display:none}

/* Hero */
.hero{position:relative;overflow:hidden;background:linear-gradient(180deg,#fff 0%,#f7f9fc 100%);border-bottom:1px solid var(--line)}
.hero-mark{position:absolute;right:-2%;bottom:-0.18em;font-weight:800;font-size:clamp(5rem,15vw,13rem);letter-spacing:-.04em;color:var(--navy);opacity:.035;line-height:1;pointer-events:none;user-select:none;white-space:nowrap}
.hero-split{padding:40px 0 56px}
.hero-plain{padding:40px 0 48px}
.hero-grid{display:grid;grid-template-columns:minmax(0,1.08fr) minmax(0,.92fr);gap:48px;align-items:start;position:relative}
.hero-copy{padding-top:8px}
.eyebrow{color:var(--blue);font-weight:700;font-size:.82rem;letter-spacing:.06em;text-transform:uppercase;margin:0 0 12px}
.lead{font-size:1.14rem;color:#3b4350;max-width:640px}
.hero-bullets{list-style:none;padding:0;margin:20px 0 26px;display:grid;gap:10px}
.hero-bullets li{position:relative;padding-left:30px;font-weight:500;color:var(--navy)}
.hero-bullets li::before{content:"";position:absolute;left:0;top:3px;width:20px;height:20px;border-radius:50%;background:var(--blue-soft) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='M5.5 10.5l3 3 6-7' fill='none' stroke='%230073e6' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/20px no-repeat}
.person-line{display:flex;align-items:center;gap:14px;flex-wrap:wrap;margin-top:8px}
.person-line img{width:56px;height:56px;border-radius:50%;object-fit:cover;border:2px solid #fff;box-shadow:var(--shadow)}
.person-line span{display:flex;flex-direction:column;line-height:1.3;margin-right:8px}
.person-line b{color:var(--navy)}
.person-line small{color:var(--gray);font-size:.82rem}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px;padding:0;margin:0 0 18px;font-size:.84rem;color:var(--gray)}
.crumbs li+li::before{content:"›";margin-right:6px;color:#a0a7b1}
.crumbs a{color:var(--gray)}

/* Deal form */
.deal-card{background:#fff;border:1px solid var(--line);border-radius:var(--r-card);box-shadow:var(--shadow-lg);padding:26px}
.deal-title{font-size:1.32rem;margin:0 0 4px;font-weight:600;color:var(--navy);line-height:1.25}
.deal-sub{color:var(--gray);font-size:.9rem;margin-bottom:16px}
.chips{border:0;padding:0;margin:0 0 14px;display:flex;flex-wrap:wrap;gap:8px}
.chips legend{font-size:.84rem;font-weight:600;color:var(--navy);margin-bottom:8px;padding:0}
.chip input{position:absolute;opacity:0;pointer-events:none}
.chip span{display:inline-block;padding:8px 13px;border:1px solid var(--line);border-radius:999px;font-size:.86rem;font-weight:500;color:var(--navy);cursor:pointer;transition:all .15s;background:#fff}
.chip input:checked+span{background:var(--navy);border-color:var(--navy);color:#fff}
.chip input:focus-visible+span{outline:3px solid rgba(0,115,230,.45)}
.field{display:block;margin-bottom:12px}
.field>span{display:block;font-size:.84rem;font-weight:600;color:var(--navy);margin-bottom:5px}
.field input,.field select,.field textarea{width:100%;font:500 1rem Inter,sans-serif;color:var(--ink);padding:12px 13px;border:1px solid #cfd4da;border-radius:10px;background:#fff;transition:border-color .15s,box-shadow .15s}
.field textarea{resize:vertical}
.field select{-webkit-appearance:none;appearance:none;padding-right:38px;background:#fff url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1.5l5 5 5-5' fill='none' stroke='%230b2345' stroke-width='1.6'/%3E%3C/svg%3E") no-repeat right 14px center}
.field input:focus,.field select:focus,.field textarea:focus{outline:0;border-color:var(--blue);box-shadow:0 0 0 3px rgba(0,115,230,.18)}
.field.invalid input{border-color:#c62828}
.field .err{display:block;color:#c62828;font-size:.8rem;margin-top:4px}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:.76rem;line-height:1.45;color:var(--gray);margin:2px 0 14px;cursor:pointer}
.consent input{margin-top:2px;width:16px;height:16px;flex:none;accent-color:var(--blue)}
.deal-fine{font-size:.78rem;color:var(--gray);text-align:center;margin:12px 0 0}
.form-error{color:#c62828;font-size:.86rem;margin-top:10px}
.hp{position:absolute;left:-9999px}
.deal-done{text-align:center;padding:24px 8px}
.deal-done svg{margin:0 auto 12px}
.deal-wide{padding:32px}

/* Sections */
section{padding:72px 0}
.bg-light{background:var(--light)}
.sec-head{max-width:760px;margin-bottom:28px}
.sec-lead{color:var(--gray);font-size:1.05rem;margin:0}
.note{color:var(--gray);font-size:.88rem;margin:14px 0 0}
.two{display:grid;grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr);gap:48px;align-items:start}

/* Numbers band */
.band-navy{background:var(--navy);color:#fff;padding:36px 0}
.nums{display:grid;grid-template-columns:repeat(4,1fr);gap:24px}
.num b{display:block;font-size:clamp(1.5rem,2.6vw,2rem);font-weight:800;letter-spacing:-.02em}
.num span{color:#b9c6d9;font-size:.9rem}

/* Program cards */
.pcards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.pcard,.scard{display:flex;flex-direction:column;gap:8px;background:#fff;border:1px solid var(--line);border-radius:var(--r-card);padding:24px;box-shadow:var(--shadow);color:var(--ink);text-decoration:none!important;transition:transform .15s,box-shadow .15s,border-color .15s}
.pcard:hover,.scard:hover{transform:translateY(-2px);box-shadow:var(--shadow-lg);border-color:#c8d3e1}
.pcard-k{font-size:.78rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--blue)}
.pcard-fig{font-size:1.18rem;color:var(--navy);line-height:1.3;letter-spacing:-.01em}
.pcard-t{color:var(--gray);font-size:.94rem;flex:1}
.pcard-go{font-weight:600;font-size:.88rem;color:var(--blue);margin-top:6px}
.scards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.scard b{color:var(--navy);font-size:1.1rem}
.scard span{color:var(--gray);font-size:.94rem;flex:1}
.scard .pcard-go{color:var(--blue);flex:none}

/* Pick list */
.pick{list-style:none;padding:0;margin:0;border-top:1px solid var(--line)}
.pick li{border-bottom:1px solid var(--line)}
.pick a{display:grid;grid-template-columns:1.1fr 1fr 32px;gap:20px;align-items:center;padding:20px 8px;color:var(--ink);text-decoration:none!important;transition:background .15s}
.pick a:hover{background:var(--light)}
.pick-q{font-weight:600;font-size:1.06rem;color:var(--navy)}
.pick-a b{display:block;color:var(--blue);font-weight:600}
.pick-a small{color:var(--gray);font-size:.88rem}
.pick-go{color:var(--blue);font-size:1.3rem;text-align:right}

/* Steps & cycle */
.steps{list-style:none;counter-reset:s;padding:0;margin:0;display:grid;gap:14px}
.steps li{counter-increment:s;position:relative;background:#fff;border:1px solid var(--line);border-radius:var(--r-card);padding:18px 20px 18px 64px}
.steps li::before{content:counter(s);position:absolute;left:18px;top:18px;width:30px;height:30px;border-radius:50%;background:var(--navy);color:#fff;font-weight:700;font-size:.9rem;display:flex;align-items:center;justify-content:center}
.steps b{display:block;color:var(--navy);margin-bottom:2px}
.steps span{color:var(--gray);font-size:.95rem}
.cycle{list-style:none;counter-reset:c;padding:0;margin:0;display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.cycle li{counter-increment:c;border-top:3px solid var(--navy);padding-top:16px}
.cycle li::before{content:"0" counter(c);display:block;color:var(--blue);font-weight:800;font-size:.86rem;letter-spacing:.06em;margin-bottom:6px}
.cycle b{display:block;color:var(--navy);font-size:1.15rem;margin-bottom:4px}
.cycle span{color:var(--gray);font-size:.95rem}

/* Person note */
.person{display:grid;grid-template-columns:minmax(0,.62fr) minmax(0,1.38fr);gap:48px;align-items:center}
.person-photo{border-radius:var(--r-card);box-shadow:var(--shadow-lg);aspect-ratio:8/9;object-fit:cover;width:100%}
.person-note p{font-size:1.08rem;color:#343b46}
.sign{margin-top:18px;display:flex;flex-direction:column;gap:2px}
.sign-name{font-family:"Brush Script MT","Segoe Script",cursive;font-size:2rem;color:var(--navy);line-height:1.1;margin-bottom:6px}
.sign-meta{font-size:.86rem;color:var(--gray)}

/* Terms sheet */
.band-terms{padding:56px 0;background:var(--light)}
.terms{background:#fff;border:1px solid var(--line);border-radius:var(--r-card);box-shadow:var(--shadow);overflow:hidden}
.terms-head{display:flex;align-items:baseline;gap:16px;padding:22px 28px;border-bottom:1px solid var(--line);background:linear-gradient(90deg,#fff,#f7f9fc)}
.terms-head h2{margin:0;font-size:1.35rem}
.terms-label{font-size:.72rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:#fff;background:var(--navy);padding:4px 8px;border-radius:6px}
.terms-list{display:grid;grid-template-columns:repeat(2,1fr);margin:0}
.ts-row{display:flex;justify-content:space-between;gap:16px;padding:15px 28px;border-bottom:1px solid #eceef1}
.ts-row:nth-child(odd){border-right:1px solid #eceef1}
.ts-row dt{color:var(--gray);font-size:.94rem}
.ts-row dd{margin:0;font-weight:700;color:var(--navy);text-align:right;font-variant-numeric:tabular-nums}
.ts-row dd small{display:block;font-weight:500;color:var(--gray);font-size:.8rem}
.terms-note{font-size:.82rem;color:var(--gray);padding:14px 28px;margin:0}

/* Prose, tables, checklist */
.prose{max-width:820px}
.prose p{font-size:1.06rem;color:#343b46}
.tbl-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--r-card);background:#fff}
.tbl{width:100%;border-collapse:collapse;font-size:.95rem}
.tbl th,.tbl td{text-align:left;padding:13px 16px;border-bottom:1px solid #eceef1;vertical-align:top}
.tbl thead th{background:var(--navy);color:#fff;font-size:.8rem;font-weight:600;letter-spacing:.04em;text-transform:uppercase;white-space:nowrap}
.tbl tbody th{color:var(--navy);font-weight:600}
.tbl tbody tr:last-child th,.tbl tbody tr:last-child td{border-bottom:0}
.tbl.wide{min-width:720px}
.tbl-wrap:has(.ledger){max-width:760px}
.ledger td{text-align:right;font-variant-numeric:tabular-nums}
.ledger thead th:last-child{text-align:right}
.ledger tbody th{font-weight:500;color:#343b46;width:58%}
.checklist-box{max-width:820px}
.checklist{list-style:none;padding:0;margin:0;display:grid;gap:12px}
.checklist li{position:relative;padding:14px 16px 14px 48px;background:#fff;border:1px solid var(--line);border-radius:12px}
.checklist li::before{content:"";position:absolute;left:16px;top:16px;width:20px;height:20px;border-radius:6px;background:var(--blue-soft) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='M5.5 10.5l3 3 6-7' fill='none' stroke='%230073e6' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/20px no-repeat}

/* FAQ */
.faq{max-width:860px}
.acc{background:#fff;border:1px solid var(--line);border-radius:12px;margin-bottom:10px}
.acc summary{cursor:pointer;list-style:none;padding:18px 52px 18px 20px;font-weight:600;color:var(--navy);position:relative}
.acc summary::-webkit-details-marker{display:none}
.acc summary::after{content:"";position:absolute;right:20px;top:50%;width:10px;height:10px;border-right:2px solid var(--blue);border-bottom:2px solid var(--blue);transform:translateY(-70%) rotate(45deg);transition:transform .2s}
.acc[open] summary::after{transform:translateY(-30%) rotate(-135deg)}
.acc-body{padding:0 20px 6px;color:#3b4350}

/* Related */
.related{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:12px}
.related li{background:#fff;border:1px solid var(--line);border-radius:12px;padding:16px 18px}
.related a{font-weight:700;display:block}
.related span{color:var(--gray);font-size:.9rem}

/* CTA */
.sec-cta{padding:24px 0 72px}
.cta-band{display:flex;justify-content:space-between;align-items:center;gap:32px;background:var(--navy);color:#fff;border-radius:20px;padding:40px 44px;position:relative;overflow:hidden}
.cta-band::after{content:"";position:absolute;right:-80px;top:-80px;width:280px;height:280px;border-radius:50%;background:radial-gradient(circle,rgba(0,115,230,.35),transparent 70%)}
.cta-band h2{color:#fff;margin-bottom:8px}
.cta-band p{color:#c9d4e3;margin:0;max-width:600px}
.cta-actions{display:flex;gap:12px;flex-wrap:wrap;position:relative;z-index:1}

/* States: chips (home), regions (hub) */
.schips{display:flex;flex-wrap:wrap;gap:8px}
.schip{display:inline-block;padding:9px 14px;border:1px solid var(--line);border-radius:999px;background:#fff;color:var(--navy);font-weight:500;font-size:.92rem;text-decoration:none!important;transition:border-color .15s,background .15s}
.schip:hover{border-color:var(--navy);background:var(--light)}
.more-link{margin:18px 0 0;font-weight:600}
.check{display:grid;grid-template-columns:minmax(0,.85fr) minmax(0,1.15fr);gap:48px;align-items:start}
.check .sec-head{margin-bottom:22px}
.check-label{font-size:.78rem;letter-spacing:.08em;text-transform:uppercase;color:var(--blue);font-weight:600;margin:0 0 10px}
.check-card select:invalid{color:var(--gray)}
.check-call{margin:22px 0 0;color:var(--gray);font-size:.95rem}
.check-call a{font-weight:600}
.regions{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;align-items:start}
.region{background:#fff;border:1px solid var(--line);border-radius:var(--r-card);padding:20px 18px;box-shadow:var(--shadow)}
.region h3{font-size:.78rem;letter-spacing:.08em;text-transform:uppercase;color:var(--blue);margin:0 0 10px}
.region ul{list-style:none;padding:0;margin:0}
.region li a{display:flex;justify-content:space-between;align-items:baseline;gap:8px;padding:8px 6px;border-radius:8px;color:var(--navy);text-decoration:none!important}
.region li a:hover{background:var(--light)}
.region b{font-weight:600;font-size:.95rem}
.region small{font-size:.72rem;color:var(--gray);white-space:nowrap}

/* Family of companies */
.fam{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.fam-card{position:relative;display:flex;flex-direction:column;gap:6px;background:#fff;border:1px solid var(--line);border-radius:var(--r-card);padding:24px;box-shadow:var(--shadow)}
.fam-card.is-here{background:var(--navy);border-color:var(--navy);color:#c9d4e3}
.fam-card.is-here .fam-name{color:#fff}
.fam-card.is-here .fam-go{color:#7db8f5}
.fam-card.is-here .fam-role{color:#7db8f5}
.fam-role{font-size:.78rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--blue)}
.fam-name{font-size:1.15rem;color:var(--navy);letter-spacing:-.01em}
.fam-card p{margin:4px 0 8px;font-size:.95rem;flex:1}
.fam-go{font-weight:600;font-size:.9rem}
.fam-here{position:absolute;top:16px;right:16px;font-size:.7rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;background:var(--blue);color:#fff;padding:3px 8px;border-radius:999px}

/* Contact */
.contact-grid{display:grid;grid-template-columns:minmax(0,1.25fr) minmax(0,.75fr);gap:40px;align-items:start}
.contact-aside h2{font-size:1.3rem}
.contact-list{list-style:none;padding:0;margin:0 0 24px}
.contact-list li{padding:14px 0;border-bottom:1px solid var(--line)}
.contact-list span{display:block;font-size:.82rem;color:var(--gray)}
.contact-list b{color:var(--navy);font-weight:600}

/* Disclosure + footer */
.disclosure{padding:28px 0;border-top:1px solid var(--line)}
.disclosure p{font-size:.8rem;color:var(--gray);margin:0;max-width:980px}
.site-footer{background:var(--navy);color:#b9c6d9;padding:56px 0 28px;font-size:.92rem}
.site-footer a{color:#fff}
.foot-grid{display:grid;grid-template-columns:1.5fr repeat(4,1fr);gap:32px}
.foot-brand p{margin:16px 0 0;font-size:.88rem;line-height:1.6}
.foot-col h2{color:#fff;font-size:.8rem;letter-spacing:.08em;text-transform:uppercase;margin:4px 0 12px}
.foot-col ul{list-style:none;padding:0;margin:0;display:grid;gap:8px}
.foot-col a{color:#d9e1ec}
.foot-legal{border-top:1px solid rgba(255,255,255,.12);margin-top:40px;padding-top:24px;font-size:.78rem;line-height:1.6}
.foot-legal a{text-decoration:underline}
.foot-disclosure{color:#8fa2bd}
.foot-bottom{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;margin:16px 0 0}
.foot-bottom span{display:flex;align-items:center;gap:8px}
.foot-bottom img{filter:invert(1);opacity:.8}

/* Responsive */
@media (max-width:1180px){
  .header-phone{display:none}
  .nav-btn,.nav-link{padding:10px 9px;font-size:.9rem}
}
@media (max-width:1100px){
  .burger{display:flex}
  .check{grid-template-columns:1fr;gap:28px}
  .header-cta,.header-login{display:none}
  .site-header{backdrop-filter:none;background:#fff}
  .main-nav{position:fixed;top:var(--nav-top,100px);left:0;right:0;bottom:0;background:#fff;padding:16px 24px 32px;overflow-y:auto;transform:translateX(100%);visibility:hidden;transition:transform .25s,visibility 0s linear .25s;border-top:1px solid var(--line)}
  body.nav-open .main-nav{transform:none;visibility:visible;transition:transform .25s}
  body.nav-open{overflow:hidden}
  .nav-list{flex-direction:column;align-items:stretch;gap:0}
  .nav-list>li{border-bottom:1px solid var(--line)}
  .nav-btn,.nav-link{width:100%;justify-content:space-between;padding:16px 4px;font-size:1.05rem}
  .menu{position:static;opacity:1;visibility:visible;transform:none;box-shadow:none;border:0;padding:0 0 10px;min-width:0;display:none}
  .has-menu:hover .menu{display:none}
  .has-menu.open .menu{display:block}
  .has-menu.open .nav-btn svg{transform:rotate(180deg)}
  .nav-mobile-extra{display:grid;gap:10px;margin-top:20px}
  body.nav-open .burger span:nth-child(1){transform:translateY(7px) rotate(45deg)}
  body.nav-open .burger span:nth-child(2){opacity:0}
  body.nav-open .burger span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
  .hero-grid,.two,.person,.contact-grid{grid-template-columns:1fr}
  .hero-grid{gap:28px}
  .person{gap:28px}
  .person-photo{max-width:360px}
  .pcards,.scards{grid-template-columns:1fr 1fr}
  .regions{grid-template-columns:1fr 1fr}
  .fam{grid-template-columns:1fr}
  .cycle{grid-template-columns:1fr 1fr}
  .nums{grid-template-columns:1fr 1fr}
  .foot-grid{grid-template-columns:1fr 1fr}
  .foot-brand{grid-column:1/-1}
}
@media (max-width:700px){
  .wrap{padding:0 16px}
  section{padding:52px 0}
  .topbar-note{display:none}
  .header-in{min-height:64px}
  .hero-split,.hero-plain{padding:28px 0 40px}
  .lead{font-size:1.05rem}
  .deal-card{padding:20px}
  .field-row{grid-template-columns:1fr;gap:0}
  .pcards,.scards,.cycle{grid-template-columns:1fr}
  .regions{grid-template-columns:1fr}
  .region{min-width:0}
  .region ul{display:grid;grid-template-columns:1fr 1fr;column-gap:8px}
  .region li{min-width:0}
  .region li a{flex-wrap:wrap;gap:0 6px;padding:8px 4px}
  .region small{white-space:normal}
  .tbl:not(.wide){table-layout:fixed}
  .tbl:not(.wide) thead th{white-space:normal}
  .tbl th,.tbl td{overflow-wrap:break-word}
  .pick a{grid-template-columns:1fr 24px;gap:6px 12px;padding:16px 4px}
  .pick-a{grid-column:1;grid-row:2}
  .pick-go{grid-row:1/3;grid-column:2}
  .terms-list{grid-template-columns:1fr}
  .ts-row:nth-child(odd){border-right:0}
  .ts-row,.terms-head,.terms-note{padding-left:18px;padding-right:18px}
  .terms-head{flex-direction:column;gap:8px}
  .cta-band{flex-direction:column;align-items:flex-start;padding:28px 22px}
  .cta-actions{width:100%}
  .cta-actions .btn{width:100%}
  .person-line .btn{width:100%}
  .foot-grid{grid-template-columns:1fr}
  .tbl th,.tbl td{padding:11px 12px}
  .ledger td{white-space:normal}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}