/* Swiss Finance */
/* ---------- fonts ---------- */
@font-face {
  font-family: 'Fraunces'; font-style: normal; font-weight: 300 400;
  font-display: swap; src: url('../fonts/fraunces-var.woff2') format('woff2');
}
@font-face {
  font-family: 'Barlow'; font-style: normal; font-weight: 300;
  font-display: swap; src: url('../fonts/barlow-300.woff2') format('woff2');
}
@font-face {
  font-family: 'Barlow'; font-style: normal; font-weight: 400;
  font-display: swap; src: url('../fonts/barlow-400.woff2') format('woff2');
}
@font-face {
  font-family: 'Barlow'; font-style: normal; font-weight: 500;
  font-display: swap; src: url('../fonts/barlow-500.woff2') format('woff2');
}

/* ---------- tokens ---------- */
:root {
  --navy: #000919;
  --ink: #121317;
  --off: #f8f8f8;
  --muted: #76747b;
  --brass: #b8934a;
  --rule: rgba(18, 19, 23, 0.14);
  --rule-dark: rgba(248, 248, 248, 0.18);
  --col: 1020px;
  --pad: 32px;
  --header-h: 84px;

  --serif: 'Fraunces', Georgia, 'Times New Roman', serif;
  --sans: 'Barlow', -apple-system, BlinkMacSystemFont, 'Segoe UI', Helvetica, Arial, sans-serif;
}

/* ---------- reset ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body {
  margin: 0; background: #fff; color: var(--ink);
  font-family: var(--sans); font-size: 16px; font-weight: 400; line-height: 1.7;
  -webkit-font-smoothing: antialiased;
}
img, video { max-width: 100%; display: block; }
a { color: inherit; }
h1, h2, h3, h4 { font-family: var(--serif); font-weight: 300; margin: 0; line-height: 1.22; letter-spacing: -0.005em; }
p { margin: 0 0 1.15em; }
p:last-child { margin-bottom: 0; }
ul { margin: 0; padding: 0; list-style: none; }

.wrap { width: 100%; max-width: var(--col); margin: 0 auto; padding: 0 var(--pad); }
.wrap-wide { width: 100%; max-width: 1280px; margin: 0 auto; padding: 0 var(--pad); }

/* ---------- screen-reader only ---------- */
.sr-only {
  position: absolute !important; width: 1px; height: 1px;
  padding: 0; margin: -1px; overflow: hidden;
  clip: rect(0, 0, 0, 0); white-space: nowrap; border: 0;
}

/* ---------- skip link ---------- */
.skip {
  position: absolute; left: -9999px; top: 0; z-index: 200;
  background: #fff; color: var(--ink); padding: 12px 18px;
}
.skip:focus { left: 12px; top: 12px; }

/* ---------- header ---------- */
.hdr {
  position: sticky; top: 0; z-index: 90;
  background: var(--navy); color: var(--off);
  border-bottom: 1px solid rgba(248, 248, 248, 0.08);
}
.hdr-in {
  height: var(--header-h); display: flex; align-items: center; gap: 28px;
  max-width: 1280px; margin: 0 auto; padding: 0 var(--pad);
}
.brand { display: flex; align-items: center; flex: 0 0 auto; }
.brand img { height: 42px; width: auto; }

.hdr-in > nav { margin-left: auto; }
.nav { display: flex; align-items: center; gap: 26px; }
.nav > li { position: relative; }
.nav-top {
  display: inline-flex; align-items: center; gap: 6px;
  font-family: var(--serif); font-size: 17px; font-weight: 300;
  color: var(--off); text-decoration: none; padding: 10px 0; background: none; border: 0;
  cursor: pointer; letter-spacing: 0.01em;
}
.nav-top .chev { width: 9px; height: 9px; border-right: 1px solid currentColor; border-bottom: 1px solid currentColor; transform: rotate(45deg) translate(-2px, -2px); opacity: 0.75; }
.nav-top:hover, .nav-top[aria-current='page'] { opacity: 1; }
.nav-top[aria-current='page'] { border-bottom: 1px solid var(--off); }

.sub {
  position: absolute; top: 100%; left: 50%; transform: translateX(-50%) translateY(6px);
  min-width: 250px; background: var(--navy); border: 1px solid rgba(248, 248, 248, 0.14);
  padding: 10px 0; opacity: 0; visibility: hidden; transition: opacity 0.18s ease, transform 0.18s ease;
}
.nav > li:hover .sub, .nav > li:focus-within .sub { opacity: 1; visibility: visible; transform: translateX(-50%) translateY(0); }
.sub a {
  display: block; padding: 9px 22px; font-size: 14px; letter-spacing: 0.02em;
  color: rgba(248, 248, 248, 0.86); text-decoration: none;
}
.sub a:hover { color: #fff; background: rgba(248, 248, 248, 0.07); }

.cta-pill {
  display: inline-block; padding: 11px 26px; border-radius: 999px;
  background: var(--off); color: var(--navy); text-decoration: none;
  font-size: 12px; letter-spacing: 0.16em; text-transform: uppercase; font-weight: 500;
  white-space: nowrap;
}
.cta-pill:hover { background: #fff; }

.burger { display: none; margin-left: auto; background: none; border: 0; color: var(--off); font: inherit; cursor: pointer; padding: 8px; }
.burger span { display: block; width: 24px; height: 1px; background: var(--off); margin: 6px 0; transition: transform 0.2s ease, opacity 0.2s ease; }
.mobile { display: none; }

/* ---------- hero ---------- */
.hero { position: relative; min-height: 620px; display: flex; align-items: center; justify-content: center; overflow: hidden; background: var(--navy); }
.hero--short { min-height: 440px; }
.hero-media { position: absolute; inset: 0; }
.hero-media img, .hero-media video { width: 100%; height: 100%; object-fit: cover; }

.hero-media::after {
  content: ''; position: absolute; inset: 0;
  background: linear-gradient(180deg, rgba(0, 9, 25, 0.28) 0%, rgba(0, 9, 25, 0.14) 45%, rgba(0, 9, 25, 0.34) 100%);
}
.hero-in { position: relative; z-index: 2; text-align: center; color: var(--off); padding: 90px var(--pad); max-width: 900px; text-shadow: 0 1px 2px rgba(0, 9, 25, 0.55), 0 4px 24px rgba(0, 9, 25, 0.45); }
.hero h1 { font-size: clamp(38px, 6vw, 62px); color: #fff; }
.hero .eyebrow { color: rgba(248, 248, 248, 0.88); }
.hero-sub { margin: 22px auto 0; max-width: 660px; font-size: 16px; line-height: 1.75; color: rgba(255, 255, 255, 0.95); font-weight: 300; }

@keyframes hero-up { from { opacity: 0; transform: translateY(18px); } to { opacity: 1; transform: none; } }
.hero-in > * { opacity: 0; animation: hero-up 0.85s cubic-bezier(0.2, 0.7, 0.2, 1) forwards; }
.hero-in > :nth-child(1) { animation-delay: 0.1s; }
.hero-in > :nth-child(2) { animation-delay: 0.26s; }
.hero-in > :nth-child(3) { animation-delay: 0.42s; }
@media (prefers-reduced-motion: reduce) { .hero-in > * { opacity: 1; animation: none; } }

/* ---------- sections ---------- */
.sec { padding: 96px 0; }
.sec[id] { scroll-margin-top: calc(var(--header-h) + 8px); }
.sec--tight { padding: 68px 0; }
.sec--dark { background: var(--navy); color: var(--off); }
.sec--dark h1, .sec--dark h2, .sec--dark h3 { color: var(--off); }
.sec--dark .lede, .sec--dark p { color: rgba(248, 248, 248, 0.84); }
.sec--grey { background: var(--off); }
.sec + .sec { border-top: 1px solid var(--rule); }
.sec--dark + .sec, .sec + .sec--dark { border-top: 0; }

.eyebrow {
  font-family: var(--sans); font-size: 11px; font-weight: 500;
  letter-spacing: 0.2em; text-transform: uppercase; color: var(--muted);
  margin: 0 0 18px;
}
h2.h { font-size: clamp(30px, 4.2vw, 48px); margin-bottom: 26px; }
h3.h { font-size: 22px; margin-bottom: 10px; }
.lede { font-size: 18px; line-height: 1.75; font-weight: 300; max-width: 720px; }
.body { max-width: 720px; color: #3a3b41; }
.sec--dark .body { color: rgba(248, 248, 248, 0.84); }
.center { text-align: center; }
.center .lede, .center .body { margin-left: auto; margin-right: auto; }
.center .eyebrow { text-align: center; }

/* ---------- cards ---------- */
.cards { display: grid; gap: 1px; background: var(--rule); border: 1px solid var(--rule); margin-top: 46px; }
.cards--2 { grid-template-columns: repeat(2, 1fr); }
.cards--3 { grid-template-columns: repeat(3, 1fr); }
.cards--4 { grid-template-columns: repeat(4, 1fr); }
.card { background: #fff; padding: 34px 28px; }
.sec--grey .card { background: var(--off); }
.sec--dark .cards { background: var(--rule-dark); border-color: var(--rule-dark); }
.sec--dark .card { background: var(--navy); }
.card h3 { font-size: 19px; margin-bottom: 9px; }
.card h3 a { text-decoration: none; }
.card h3 a:hover { text-decoration: underline; text-underline-offset: 4px; }
.card p { font-size: 14.5px; color: var(--muted); margin: 0; line-height: 1.65; }
.sec--dark .card p { color: rgba(248, 248, 248, 0.7); }

/* ---------- numbered steps ---------- */
.steps { display: grid; grid-template-columns: repeat(auto-fit, minmax(230px, 1fr)); gap: 44px; margin-top: 52px; }
.step .num { font-family: var(--serif); font-size: 52px; font-weight: 300; line-height: 1; color: var(--muted); opacity: 0.45; display: block; margin-bottom: 16px; }
.sec--dark .step .num { color: rgba(248, 248, 248, 0.5); }
.step h3 { font-size: 20px; margin-bottom: 10px; }
.step p { font-size: 15px; color: var(--muted); margin: 0; }
.sec--dark .step p { color: rgba(248, 248, 248, 0.72); }

/* ---------- split ---------- */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center; }
.split--flip .split-text { order: 2; }
.split-media img { width: 100%; height: 100%; max-height: 460px; object-fit: cover; }

/* ---------- rule list ---------- */
.rlist { margin-top: 34px; border-top: 1px solid var(--rule); max-width: 760px; }
.sec--dark .rlist { border-color: var(--rule-dark); }
.rlist li { border-bottom: 1px solid var(--rule); padding: 17px 0 17px 26px; position: relative; font-size: 15.5px; }
.sec--dark .rlist li { border-color: var(--rule-dark); }
.rlist li::before { content: ''; position: absolute; left: 0; top: 27px; width: 10px; height: 1px; background: var(--muted); }

/* ---------- section nav ---------- */
.toc { border-top: 1px solid var(--rule); border-bottom: 1px solid var(--rule); background: #fff; }
.toc ul { display: flex; flex-wrap: wrap; gap: 4px 36px; padding: 18px 0; }
.toc a { display: inline-flex; align-items: baseline; gap: 10px; text-decoration: none; font-size: 13px; letter-spacing: 0.06em; text-transform: uppercase; color: var(--muted); padding: 6px 0; }
.toc a:hover { color: var(--ink); }
.toc-num { font-family: var(--serif); font-size: 15px; letter-spacing: 0; text-transform: none; color: var(--ink); }
.toc + .sec { border-top: 0; }

/* ---------- timeline ---------- */
.tl { margin-top: 46px; max-width: 760px; position: relative; padding-left: 0; }
.tl::before { content: ''; position: absolute; left: 25px; top: 10px; bottom: 10px; width: 1px; background: var(--rule); }
.tl-item { position: relative; display: grid; grid-template-columns: 52px 1fr; gap: 26px; padding: 0 0 40px; }
.tl-item:last-child { padding-bottom: 0; }
.tl-num { position: relative; z-index: 1; width: 52px; height: 52px; border-radius: 50%; border: 1px solid var(--ink); background: #fff; display: flex; align-items: center; justify-content: center; font-family: var(--serif); font-size: 20px; font-weight: 300; color: var(--ink); }
.tl-body { padding-top: 10px; }
.tl-body h3 { font-size: 21px; margin-bottom: 8px; }
.tl-body p { font-size: 15px; color: var(--muted); margin: 0; }

/* ---------- FAQ accordion ---------- */
.faq { margin-top: 40px; max-width: 760px; border-top: 1px solid var(--rule); }
.faq-item { border-bottom: 1px solid var(--rule); }
.faq-item summary { list-style: none; cursor: pointer; display: flex; justify-content: space-between; align-items: center; gap: 24px; padding: 22px 0; font-family: var(--serif); font-size: 21px; font-weight: 300; line-height: 1.3; }
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary:hover { color: #000; }
.faq-item summary:focus-visible { outline: 2px solid var(--ink); outline-offset: 4px; }
.faq-plus { position: relative; flex: 0 0 auto; width: 16px; height: 16px; }
.faq-plus::before, .faq-plus::after { content: ''; position: absolute; background: var(--ink); transition: transform 0.2s ease; }
.faq-plus::before { left: 0; top: 7.5px; width: 16px; height: 1px; }
.faq-plus::after { left: 7.5px; top: 0; width: 1px; height: 16px; }
.faq-item[open] .faq-plus::after { transform: scaleY(0); }
.faq-a { padding: 0 40px 26px 0; font-size: 15.5px; color: #3a3b41; max-width: 680px; }

/* ---------- callout / cta ---------- */
.callout { border: 1px solid var(--rule); padding: 52px 44px; text-align: center; }
.sec--dark .callout { border-color: var(--rule-dark); }
.callout h2 { font-size: clamp(26px, 3.4vw, 36px); margin-bottom: 14px; }
.callout p { max-width: 560px; margin: 0 auto 26px; color: var(--muted); }
.sec--dark .callout p { color: rgba(248, 248, 248, 0.78); }

.btn {
  display: inline-block; padding: 14px 34px; text-decoration: none;
  font-size: 12px; letter-spacing: 0.16em; text-transform: uppercase; font-weight: 500;
  border: 1px solid var(--ink); color: var(--ink); background: none; cursor: pointer;
  font-family: var(--sans);
}
.btn:hover { background: var(--ink); color: #fff; }
.btn--light { border-color: var(--off); color: var(--off); }
.btn--light:hover { background: var(--off); color: var(--navy); }
.btn--solid { background: var(--ink); color: #fff; }
.btn--solid:hover { background: #000; }
.btn .ext { font-size: 13px; letter-spacing: 0; margin-left: 6px; }

/* ---------- legal pages ---------- */
.legal { max-width: 760px; }
.legal h2 { font-size: 21px; margin: 42px 0 12px; }
.legal h2:first-of-type { margin-top: 0; }
.legal p, .legal li { font-size: 15.5px; color: #3a3b41; }
.legal .rlist { margin-top: 12px; }
.legal .updated { font-size: 13px; color: var(--muted); letter-spacing: 0.04em; }

/* ---------- forms ---------- */
.form { max-width: 640px; margin-top: 40px; }
.field { margin-bottom: 22px; }
.field label { display: block; font-size: 12px; letter-spacing: 0.13em; text-transform: uppercase; color: var(--muted); margin-bottom: 8px; font-weight: 500; }
.field input, .field select, .field textarea {
  width: 100%; padding: 13px 14px; border: 1px solid var(--rule); background: #fff;
  font-family: var(--sans); font-size: 15px; color: var(--ink); border-radius: 0;
}
.field textarea { min-height: 140px; resize: vertical; }
.field input:focus, .field select:focus, .field textarea:focus { outline: 2px solid var(--ink); outline-offset: -2px; }
.row2 { display: grid; grid-template-columns: 1fr 1fr; gap: 22px; }
.consent { display: flex; gap: 12px; align-items: flex-start; margin: 26px 0; font-size: 14px; color: var(--muted); }
.consent input { margin-top: 4px; flex: 0 0 auto; }
.form-note { font-size: 13px; color: var(--muted); margin-top: 20px; }

/* ---------- email block ---------- */
.email-block {
  max-width: 640px; margin-top: 40px; padding: clamp(28px, 4vw, 46px) clamp(24px, 3.5vw, 40px);
  border: 1px solid var(--rule); border-left: 2px solid var(--navy); background: var(--off);
}
.sec--grey .email-block { background: #fff; }
.email-block .eb-lead { font-size: 17px; font-weight: 300; color: #3a3b41; margin: 0 0 6px; }
.email-block .email-cta {
  display: inline-block; margin: 6px 0 14px; font-family: var(--serif); font-weight: 300;
  font-size: clamp(22px, 3vw, 32px); line-height: 1.25; color: var(--navy); text-decoration: none;
  border-bottom: 1px solid rgba(0, 9, 25, 0.35); overflow-wrap: anywhere;
}
.email-block .email-cta:hover { border-bottom-color: var(--navy); }
.email-block .eb-note { font-size: 13.5px; color: var(--muted); margin: 0 0 24px; }
.email-block--dark { border-color: var(--rule-dark); border-left-color: var(--off); background: transparent; margin-top: 0; }
.email-block--dark .eb-lead { color: rgba(248, 248, 248, 0.86); }
.email-block--dark .email-cta { color: var(--off); border-bottom-color: rgba(248, 248, 248, 0.4); }
.email-block--dark .email-cta:hover { color: #fff; border-bottom-color: #fff; }
.email-block--dark .eb-note { color: rgba(248, 248, 248, 0.6); }

/* ---------- notice strip ---------- */
.sec--notice { padding: 44px 0; }
.notice { max-width: 760px; font-size: 13px; line-height: 1.7; color: var(--muted); }
.notice p { margin-bottom: 0.7em; }
.notice .notice-h { font-size: 11px; font-weight: 500; letter-spacing: 0.2em; text-transform: uppercase; color: var(--muted); margin-bottom: 10px; }
.notice a { color: var(--ink); text-decoration: underline; text-underline-offset: 3px; }

/* ---------- footer ---------- */
.ftr { background: var(--navy); color: rgba(248, 248, 248, 0.8); padding: 76px 0 40px; font-size: 14px; }
.ftr a { color: rgba(248, 248, 248, 0.8); text-decoration: none; }
.ftr a:hover { color: #fff; }
.news { border-bottom: 1px solid var(--rule-dark); padding-bottom: 52px; margin-bottom: 52px; }
.news h2 { font-size: clamp(24px, 3vw, 34px); color: var(--off); margin-bottom: 24px; }
.news-form { display: flex; gap: 14px; flex-wrap: wrap; align-items: flex-end; max-width: 620px; }
.news-form .field { margin: 0; flex: 1 1 260px; }
.news-form label { color: rgba(248, 248, 248, 0.62); }
.news-form input[type='email'] { background: transparent; border-color: var(--rule-dark); color: var(--off); }
.news .consent { color: rgba(248, 248, 248, 0.62); margin: 18px 0 0; max-width: 620px; }
.ftr-cols { display: grid; grid-template-columns: repeat(3, 1fr); gap: 40px; }
.ftr-cols h3 { font-family: var(--sans); font-size: 11px; letter-spacing: 0.2em; text-transform: uppercase; color: rgba(248, 248, 248, 0.5); margin-bottom: 16px; font-weight: 500; }
.ftr-cols li { margin-bottom: 9px; }
.ftr-address { font-style: normal; margin-top: 16px; line-height: 1.7; color: rgba(248, 248, 248, 0.8); }
.office-block { font-style: normal; margin-top: 22px; padding-left: 16px; border-left: 2px solid var(--navy); line-height: 1.75; color: #3a3b41; max-width: 720px; }
.office-block a { color: var(--ink); }
/* ---------- pillar strip (under the home hero) ---------- */
.pillars {
  background: linear-gradient(180deg, #00122e 0%, var(--navy) 100%);
  color: var(--off);
  border-bottom: 1px solid rgba(248, 248, 248, 0.08);
  padding: 44px 0 46px;
}
.pil-row { display: grid; grid-template-columns: repeat(4, 1fr); gap: 0; }
.pil { position: relative; padding: 4px 30px 2px; }
.pil + .pil { border-left: 1px solid rgba(248, 248, 248, 0.14); }
.pil:first-child { padding-left: 0; }
.pil:last-child { padding-right: 0; }
.pil a { display: block; text-decoration: none; color: inherit; }
.pil-mark {
  display: block; font-family: var(--serif); font-size: 12px; letter-spacing: 0.22em;
  color: var(--brass); margin-bottom: 12px;
}
.pil h3 { font-size: 19px; line-height: 1.25; color: var(--off); margin-bottom: 7px; }
.pil p { font-size: 13.5px; line-height: 1.6; color: rgba(248, 248, 248, 0.62); margin: 0; }
.pil-arrow { font-size: 15px; margin-left: 7px; opacity: 0; transform: translateX(-4px); transition: opacity 0.2s ease, transform 0.2s ease; }
.pil--link:hover .pil-arrow, .pil--link:focus-within .pil-arrow { opacity: 0.9; transform: none; }
.pil--link:hover h3, .pil--link:focus-within h3 { color: #fff; }
.pil--link::after {
  content: ''; position: absolute; left: 0; right: 0; bottom: -46px; height: 2px;
  background: var(--brass); transform: scaleX(0); transform-origin: left; transition: transform 0.25s ease;
}
.pil--link:hover::after, .pil--link:focus-within::after { transform: scaleX(1); }
.pil a:focus-visible { outline: 2px solid var(--off); outline-offset: 6px; }
@media (max-width: 900px) {
  .pillars { padding: 34px 0 36px; }
  .pil-row { grid-template-columns: 1fr 1fr; gap: 26px 0; }
  .pil { padding: 0 22px; }
  .pil:nth-child(odd) { padding-left: 0; }
  .pil:nth-child(even) { padding-right: 0; }
  .pil:nth-child(3) { border-left: 0; }
  .pil--link::after { display: none; }
}
@media (max-width: 620px) {
  .pil-row { grid-template-columns: 1fr; gap: 22px; }
  .pil, .pil:nth-child(odd), .pil:nth-child(even) { padding: 0; border-left: 0; }
  .pil + .pil { border-left: 0; border-top: 1px solid rgba(248, 248, 248, 0.14); padding-top: 22px; }
  .pil-mark { margin-bottom: 8px; }
}
@media (prefers-reduced-motion: reduce) { .pil-arrow, .pil--link::after { transition: none; } }

.caps { margin-top: 46px; border-top: 1px solid var(--rule); }
.cap { display: grid; grid-template-columns: 340px 1fr; gap: 40px; padding: 40px 0; border-bottom: 1px solid var(--rule); }
.cap-num { font-family: var(--serif); font-size: 15px; color: var(--muted); letter-spacing: 0.08em; display: block; margin-bottom: 10px; }
.cap-head h3 { font-size: 25px; line-height: 1.22; margin-bottom: 12px; }
.cap-lede { font-size: 14.5px; line-height: 1.7; color: var(--muted); margin: 0; }
.cap-subs { display: grid; grid-template-columns: 1fr 1fr; gap: 26px 32px; }
.cap-subs h4 { font-family: var(--sans); font-size: 12px; font-weight: 500; letter-spacing: 0.13em; text-transform: uppercase; margin-bottom: 7px; }
.cap-subs p { font-size: 14.5px; line-height: 1.65; color: #3a3b41; margin: 0; }
@media (max-width: 900px) {
  .cap { grid-template-columns: 1fr; gap: 24px; }
  .cap-subs { grid-template-columns: 1fr; gap: 22px; }
}

.offices { display: grid; grid-template-columns: repeat(auto-fit, minmax(210px, 1fr)); gap: 34px 30px; margin-top: 42px; }
.office h3 { font-size: 19px; margin-bottom: 8px; }
.office address { font-style: normal; font-size: 14.5px; line-height: 1.7; color: var(--muted); }
.office-phones { margin-top: 34px; font-size: 15px; }
.office-phones a { color: var(--ink); text-decoration: underline; text-underline-offset: 3px; }
.office-sep { margin: 0 12px; color: var(--muted); }
.ftr-legal { margin-top: 56px; padding-top: 26px; border-top: 1px solid var(--rule-dark); font-size: 12.5px; color: rgba(248, 248, 248, 0.5); line-height: 1.8; max-width: 980px; }
.ftr-legal p { margin: 0 0 12px; }
.ftr-legal a { text-decoration: underline; text-underline-offset: 3px; color: rgba(248, 248, 248, 0.6); }
.ftr-swiss { color: rgba(248, 248, 248, 0.72); font-size: 13px; }
.ftr-tm { color: rgba(248, 248, 248, 0.58); }
.ftr-born { font-family: var(--serif); font-size: 15px; color: rgba(248, 248, 248, 0.7); letter-spacing: 0.01em; }

/* ---------- scroll reveal ---------- */
.rv { opacity: 0; transform: translateY(22px); transition: opacity 0.7s ease, transform 0.7s ease; }
.rv.in { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) {
  .rv { opacity: 1; transform: none; transition: none; }
  html { scroll-behavior: auto; }
}

/* ---------- responsive ---------- */
@media (max-width: 1080px) {
  .nav, .cta-pill.desktop-only { display: none; }
  .burger { display: block; }
  .mobile { display: block; }
}
@media (max-width: 900px) {
  .cards--4 { grid-template-columns: repeat(2, 1fr); }
  .cards--3 { grid-template-columns: 1fr; }
  .steps { grid-template-columns: 1fr; gap: 34px; }
  .split { grid-template-columns: 1fr; gap: 34px; }
  .split--flip .split-text { order: 0; }
  .ftr-cols { grid-template-columns: 1fr; gap: 30px; }
}
@media (max-width: 620px) {
  :root { --pad: 20px; --header-h: 68px; }
  body { font-size: 15.5px; }
  .sec { padding: 62px 0; }
  .hero { min-height: 520px; }
  .hero--short { min-height: 360px; }
  .cards--2, .cards--4 { grid-template-columns: 1fr; }
  .row2 { grid-template-columns: 1fr; }
  .callout { padding: 36px 22px; }
  .brand img { height: 30px; }
  .toc ul { gap: 0 22px; padding: 12px 0; }
  .tl::before { left: 19px; }
  .tl-item { grid-template-columns: 40px 1fr; gap: 18px; }
  .tl-num { width: 40px; height: 40px; font-size: 17px; }
  .faq-item summary { font-size: 18px; padding: 18px 0; }

  .news-form { flex-direction: column; align-items: stretch; }
  .news-form .field { flex: 0 0 auto; }
  .news-form .btn { align-self: flex-start; }
}

/* ---------- mobile panel ---------- */
.mpanel {
  position: fixed; inset: var(--header-h) 0 0; z-index: 80;
  background: var(--navy); color: var(--off); overflow-y: auto;
  padding: 18px var(--pad) 60px; transform: translateY(-8px);
  opacity: 0; visibility: hidden; transition: opacity 0.2s ease, transform 0.2s ease;
}
.mpanel.open { opacity: 1; visibility: visible; transform: none; }
body.locked { overflow: hidden; }
.macc { border-bottom: 1px solid var(--rule-dark); }
.macc > button, .macc > a {
  width: 100%; display: flex; justify-content: space-between; align-items: center;
  background: none; border: 0; color: var(--off); font-family: var(--serif);
  font-size: 21px; font-weight: 300; padding: 18px 0; text-align: left;
  text-decoration: none; cursor: pointer;
}
.macc-body { display: none; padding-bottom: 12px; }
.macc.open .macc-body { display: block; }
.macc-body a { display: block; padding: 9px 0 9px 14px; font-family: var(--sans); font-size: 14.5px; color: rgba(248, 248, 248, 0.76); text-decoration: none; }
.macc > button .plus { font-family: var(--sans); font-size: 20px; font-weight: 300; opacity: 0.7; }
.mpanel .cta-pill { margin-top: 28px; display: inline-block; }

/* ---------- families ---------- */

.hero-ctas { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; margin-top: 34px; }
.hero-in > :nth-child(4) { animation-delay: 0.58s; }
.btn--white { background: var(--off); color: var(--navy); border-color: var(--off); }
.btn--white:hover { background: #fff; color: var(--navy); border-color: #fff; }
.hero .btn { text-shadow: none; }

.card-tag { font-family: var(--sans); font-size: 11px; font-weight: 500; letter-spacing: 0.2em; text-transform: uppercase; color: var(--muted); margin: 0 0 12px; }

.fieldset { border: 1px solid var(--rule); padding: 16px 18px 6px; margin: 0 0 22px; min-width: 0; }
.fieldset legend { font-size: 12px; letter-spacing: 0.13em; text-transform: uppercase; color: var(--muted); font-weight: 500; padding: 0 6px; }

.fieldset .check { display: inline-flex; align-items: center; gap: 10px; margin: 4px 26px 12px 0; font-size: 15px; font-weight: 400; letter-spacing: 0; text-transform: none; color: var(--ink); }
.fieldset .check input { width: auto; margin: 0; padding: 0; }

.fomap { margin-top: 46px; }
.fo-grid { position: relative; display: grid; grid-template-columns: 1fr 1fr; gap: 1px; background: var(--rule); border: 1px solid var(--rule); }
.fo-quad { position: relative; background: #fff; padding: 36px 34px 34px; min-width: 0; }
.fo-quad--dark { background: var(--navy); color: var(--off); }
.fo-head {
  display: block; width: 100%; text-align: left; background: none; border: 0; padding: 0; margin: 0 0 14px;
  color: inherit; font: inherit; cursor: pointer;
}
.fo-head:focus-visible { outline: 2px solid currentColor; outline-offset: 6px; }
.fo-num { display: block; font-family: var(--serif); font-size: 15px; font-weight: 300; color: var(--muted); margin-bottom: 8px; letter-spacing: 0.04em; }
.fo-quad--dark .fo-num { color: rgba(248, 248, 248, 0.55); }
.fo-title { display: block; font-family: var(--serif); font-size: 26px; font-weight: 300; line-height: 1.2; }
.fo-hint { display: inline-block; margin-top: 8px; font-size: 11px; letter-spacing: 0.16em; text-transform: uppercase; color: var(--muted); border-bottom: 1px solid currentColor; padding-bottom: 1px; opacity: 0.85; transition: opacity 0.2s ease; }
.fo-quad--dark .fo-hint { color: rgba(248, 248, 248, 0.6); }
.fo-quad:hover .fo-hint, .fo-quad:focus-within .fo-hint, .fo-quad.is-open .fo-hint { opacity: 0; }
.fo-by {
  font-size: 14.5px; color: #3a3b41; margin: 0; max-height: 0; opacity: 0; overflow: hidden;
  transition: max-height 0.3s ease, opacity 0.3s ease, margin 0.3s ease;
}
.fo-quad--dark .fo-by { color: rgba(248, 248, 248, 0.84); }
.fo-quad:hover .fo-by, .fo-quad:focus-within .fo-by, .fo-quad.is-open .fo-by { max-height: 6em; opacity: 1; margin-bottom: 18px; }
.fo-by-label { display: block; font-size: 11px; letter-spacing: 0.2em; text-transform: uppercase; color: var(--muted); font-weight: 500; margin-bottom: 2px; }
.fo-quad--dark .fo-by-label, .fo-band .fo-by-label { color: rgba(248, 248, 248, 0.55); }
.fo-by--static { max-height: none; opacity: 1; margin: 6px 0 0; color: rgba(248, 248, 248, 0.84); }
.fo-items { display: grid; grid-template-columns: 1fr 1fr; gap: 0 28px; border-top: 1px solid var(--rule); }
.fo-quad--dark .fo-items { border-color: var(--rule-dark); }
.fo-items li { font-size: 14.5px; line-height: 1.5; padding: 11px 0; border-bottom: 1px solid var(--rule); color: #3a3b41; }
.fo-quad--dark .fo-items li { border-color: var(--rule-dark); color: rgba(248, 248, 248, 0.84); }

.fo-mark {
  position: absolute; left: 50%; top: 50%; width: 104px; height: 104px; transform: translate(-50%, -50%);
  border-radius: 50%; background: var(--off); border: 1px solid var(--navy);
  box-shadow: 0 0 0 6px var(--navy), 0 0 0 7px rgba(248, 248, 248, 0.6); display: flex; align-items: center; justify-content: center; z-index: 2;
}
.fo-mark img { width: 62px; height: 62px; filter: invert(1) hue-rotate(180deg); }
.fo-grid .fo-mark { grid-column: 1 / -1; }
.fo-band { margin-top: 1px; background: var(--navy); color: var(--off); border: 1px solid var(--rule); border-top: 0; display: grid; grid-template-columns: 300px 1fr; gap: 40px; padding: 34px 34px 30px; }
.fo-band h3 { font-size: 26px; }
.fo-band .fo-items { grid-template-columns: repeat(3, 1fr); border-color: var(--rule-dark); }
.fo-band .fo-items li { border-color: var(--rule-dark); color: rgba(248, 248, 248, 0.84); }
.fo-caption { margin-top: 22px; max-width: 900px; font-size: 13px; line-height: 1.7; color: var(--muted); }

@media (max-width: 900px) {
  .fo-grid { grid-template-columns: 1fr; }

  .fo-mark { position: static; transform: none; justify-self: center; margin: 26px 0; box-shadow: 0 0 0 6px var(--navy); }
  .fo-band { grid-template-columns: 1fr; gap: 20px; }
  .fo-band .fo-items { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 620px) {
  .fo-quad { padding: 28px 22px 26px; }
  .fo-title { font-size: 23px; }
  .fo-items, .fo-band .fo-items { grid-template-columns: 1fr; }
  .fo-band { padding: 28px 22px 24px; }
  .hero-ctas .btn { width: 100%; text-align: center; }
}
@media (prefers-reduced-motion: reduce) {
  .fo-by, .fo-hint { transition: none; }
}

/* ---------- form status ---------- */
.form-note:empty { display: none; }
.form-note.ok { color: var(--ink); }
.news .form-note { color: rgba(248, 248, 248, 0.62); max-width: 620px; flex: 1 1 100%; margin-top: 14px; }
.news .form-note.ok { color: var(--off); }
.news-form .consent { flex: 1 1 100%; }

.hp-field {
  position: absolute !important; left: -9999px; top: auto; width: 1px; height: 1px;
  overflow: hidden; opacity: 0; pointer-events: none;
}