/* cyrillic-ext */
@font-face {
  font-family: 'Hanken Grotesk';
  font-style: normal;
  font-weight: 400;
  font-display: swap;
  src: url("ad88b732-6a72-4992-8f28-88b5b879e7fa.woff2") format('woff2');
  unicode-range: U+0460-052F, U+1C80-1C8A, U+20B4, U+2DE0-2DFF, U+A640-A69F, U+FE2E-FE2F;
}
/* vietnamese */
@font-face {
  font-family: 'Hanken Grotesk';
  font-style: normal;
  font-weight: 400;
  font-display: swap;
  src: url("da25402a-d034-4622-be6c-306d7e25713f.woff2") format('woff2');
  unicode-range: U+0102-0103, U+0110-0111, U+0128-0129, U+0168-0169, U+01A0-01A1, U+01AF-01B0, U+0300-0301, U+0303-0304, U+0308-0309, U+0323, U+0329, U+1EA0-1EF9, U+20AB;
}
/* latin-ext */
@font-face {
  font-family: 'Hanken Grotesk';
  font-style: normal;
  font-weight: 400;
  font-display: swap;
  src: url("bdb592ee-a3be-4f88-8155-024c70383687.woff2") format('woff2');
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF;
}
/* latin */
@font-face {
  font-family: 'Hanken Grotesk';
  font-style: normal;
  font-weight: 400;
  font-display: swap;
  src: url("ca9b86c5-c7a4-40e3-ab0e-999db1a92792.woff2") format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
/* cyrillic-ext */
@font-face {
  font-family: 'Hanken Grotesk';
  font-style: normal;
  font-weight: 500;
  font-display: swap;
  src: url("ad88b732-6a72-4992-8f28-88b5b879e7fa.woff2") format('woff2');
  unicode-range: U+0460-052F, U+1C80-1C8A, U+20B4, U+2DE0-2DFF, U+A640-A69F, U+FE2E-FE2F;
}
/* vietnamese */
@font-face {
  font-family: 'Hanken Grotesk';
  font-style: normal;
  font-weight: 500;
  font-display: swap;
  src: url("da25402a-d034-4622-be6c-306d7e25713f.woff2") format('woff2');
  unicode-range: U+0102-0103, U+0110-0111, U+0128-0129, U+0168-0169, U+01A0-01A1, U+01AF-01B0, U+0300-0301, U+0303-0304, U+0308-0309, U+0323, U+0329, U+1EA0-1EF9, U+20AB;
}
/* latin-ext */
@font-face {
  font-family: 'Hanken Grotesk';
  font-style: normal;
  font-weight: 500;
  font-display: swap;
  src: url("bdb592ee-a3be-4f88-8155-024c70383687.woff2") format('woff2');
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF;
}
/* latin */
@font-face {
  font-family: 'Hanken Grotesk';
  font-style: normal;
  font-weight: 500;
  font-display: swap;
  src: url("ca9b86c5-c7a4-40e3-ab0e-999db1a92792.woff2") format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
/* cyrillic-ext */
@font-face {
  font-family: 'Hanken Grotesk';
  font-style: normal;
  font-weight: 600;
  font-display: swap;
  src: url("ad88b732-6a72-4992-8f28-88b5b879e7fa.woff2") format('woff2');
  unicode-range: U+0460-052F, U+1C80-1C8A, U+20B4, U+2DE0-2DFF, U+A640-A69F, U+FE2E-FE2F;
}
/* vietnamese */
@font-face {
  font-family: 'Hanken Grotesk';
  font-style: normal;
  font-weight: 600;
  font-display: swap;
  src: url("da25402a-d034-4622-be6c-306d7e25713f.woff2") format('woff2');
  unicode-range: U+0102-0103, U+0110-0111, U+0128-0129, U+0168-0169, U+01A0-01A1, U+01AF-01B0, U+0300-0301, U+0303-0304, U+0308-0309, U+0323, U+0329, U+1EA0-1EF9, U+20AB;
}
/* latin-ext */
@font-face {
  font-family: 'Hanken Grotesk';
  font-style: normal;
  font-weight: 600;
  font-display: swap;
  src: url("bdb592ee-a3be-4f88-8155-024c70383687.woff2") format('woff2');
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF;
}
/* latin */
@font-face {
  font-family: 'Hanken Grotesk';
  font-style: normal;
  font-weight: 600;
  font-display: swap;
  src: url("ca9b86c5-c7a4-40e3-ab0e-999db1a92792.woff2") format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
/* cyrillic-ext */
@font-face {
  font-family: 'Hanken Grotesk';
  font-style: normal;
  font-weight: 700;
  font-display: swap;
  src: url("ad88b732-6a72-4992-8f28-88b5b879e7fa.woff2") format('woff2');
  unicode-range: U+0460-052F, U+1C80-1C8A, U+20B4, U+2DE0-2DFF, U+A640-A69F, U+FE2E-FE2F;
}
/* vietnamese */
@font-face {
  font-family: 'Hanken Grotesk';
  font-style: normal;
  font-weight: 700;
  font-display: swap;
  src: url("da25402a-d034-4622-be6c-306d7e25713f.woff2") format('woff2');
  unicode-range: U+0102-0103, U+0110-0111, U+0128-0129, U+0168-0169, U+01A0-01A1, U+01AF-01B0, U+0300-0301, U+0303-0304, U+0308-0309, U+0323, U+0329, U+1EA0-1EF9, U+20AB;
}
/* latin-ext */
@font-face {
  font-family: 'Hanken Grotesk';
  font-style: normal;
  font-weight: 700;
  font-display: swap;
  src: url("bdb592ee-a3be-4f88-8155-024c70383687.woff2") format('woff2');
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF;
}
/* latin */
@font-face {
  font-family: 'Hanken Grotesk';
  font-style: normal;
  font-weight: 700;
  font-display: swap;
  src: url("ca9b86c5-c7a4-40e3-ab0e-999db1a92792.woff2") format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
/* cyrillic-ext */
@font-face {
  font-family: 'Spectral';
  font-style: italic;
  font-weight: 400;
  font-display: swap;
  src: url("7b23bb7a-c69e-4174-a25e-9faf00f52d78.woff2") format('woff2');
  unicode-range: U+0460-052F, U+1C80-1C8A, U+20B4, U+2DE0-2DFF, U+A640-A69F, U+FE2E-FE2F;
}
/* cyrillic */
@font-face {
  font-family: 'Spectral';
  font-style: italic;
  font-weight: 400;
  font-display: swap;
  src: url("d3eb1943-5c32-4be5-a2c0-100f2fc1be70.woff2") format('woff2');
  unicode-range: U+0301, U+0400-045F, U+0490-0491, U+04B0-04B1, U+2116;
}
/* vietnamese */
@font-face {
  font-family: 'Spectral';
  font-style: italic;
  font-weight: 400;
  font-display: swap;
  src: url("8914dd36-21a8-488a-9a84-57b347da8253.woff2") format('woff2');
  unicode-range: U+0102-0103, U+0110-0111, U+0128-0129, U+0168-0169, U+01A0-01A1, U+01AF-01B0, U+0300-0301, U+0303-0304, U+0308-0309, U+0323, U+0329, U+1EA0-1EF9, U+20AB;
}
/* latin-ext */
@font-face {
  font-family: 'Spectral';
  font-style: italic;
  font-weight: 400;
  font-display: swap;
  src: url("1045ff57-0bfe-4000-afd0-da82d8e2d077.woff2") format('woff2');
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF;
}
/* latin */
@font-face {
  font-family: 'Spectral';
  font-style: italic;
  font-weight: 400;
  font-display: swap;
  src: url("fb4dc17e-5463-46ae-88f2-bb81e539bcb3.woff2") format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
/* cyrillic-ext */
@font-face {
  font-family: 'Spectral';
  font-style: normal;
  font-weight: 300;
  font-display: swap;
  src: url("37924f12-cd81-4119-be05-cc92cbf1b02f.woff2") format('woff2');
  unicode-range: U+0460-052F, U+1C80-1C8A, U+20B4, U+2DE0-2DFF, U+A640-A69F, U+FE2E-FE2F;
}
/* cyrillic */
@font-face {
  font-family: 'Spectral';
  font-style: normal;
  font-weight: 300;
  font-display: swap;
  src: url("ab529821-0ef1-4517-b209-bc48f28f6cfb.woff2") format('woff2');
  unicode-range: U+0301, U+0400-045F, U+0490-0491, U+04B0-04B1, U+2116;
}
/* vietnamese */
@font-face {
  font-family: 'Spectral';
  font-style: normal;
  font-weight: 300;
  font-display: swap;
  src: url("7176e141-246f-4d37-9b4f-1cf832f4093e.woff2") format('woff2');
  unicode-range: U+0102-0103, U+0110-0111, U+0128-0129, U+0168-0169, U+01A0-01A1, U+01AF-01B0, U+0300-0301, U+0303-0304, U+0308-0309, U+0323, U+0329, U+1EA0-1EF9, U+20AB;
}
/* latin-ext */
@font-face {
  font-family: 'Spectral';
  font-style: normal;
  font-weight: 300;
  font-display: swap;
  src: url("115aa660-cec3-461a-82c5-77a465f2fd84.woff2") format('woff2');
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF;
}
/* latin */
@font-face {
  font-family: 'Spectral';
  font-style: normal;
  font-weight: 300;
  font-display: swap;
  src: url("6508704e-123b-4f49-b8ad-ab37572c8af8.woff2") format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
/* cyrillic-ext */
@font-face {
  font-family: 'Spectral';
  font-style: normal;
  font-weight: 400;
  font-display: swap;
  src: url("6e297ec3-b6c2-4efa-823e-35694397aff4.woff2") format('woff2');
  unicode-range: U+0460-052F, U+1C80-1C8A, U+20B4, U+2DE0-2DFF, U+A640-A69F, U+FE2E-FE2F;
}
/* cyrillic */
@font-face {
  font-family: 'Spectral';
  font-style: normal;
  font-weight: 400;
  font-display: swap;
  src: url("cf91ea13-f932-4156-b6ee-7319db7b7b49.woff2") format('woff2');
  unicode-range: U+0301, U+0400-045F, U+0490-0491, U+04B0-04B1, U+2116;
}
/* vietnamese */
@font-face {
  font-family: 'Spectral';
  font-style: normal;
  font-weight: 400;
  font-display: swap;
  src: url("f01ce5fc-3787-41b0-837b-a0a70bf25165.woff2") format('woff2');
  unicode-range: U+0102-0103, U+0110-0111, U+0128-0129, U+0168-0169, U+01A0-01A1, U+01AF-01B0, U+0300-0301, U+0303-0304, U+0308-0309, U+0323, U+0329, U+1EA0-1EF9, U+20AB;
}
/* latin-ext */
@font-face {
  font-family: 'Spectral';
  font-style: normal;
  font-weight: 400;
  font-display: swap;
  src: url("1cca5f7b-0573-4a4f-9409-bfba3be75258.woff2") format('woff2');
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF;
}
/* latin */
@font-face {
  font-family: 'Spectral';
  font-style: normal;
  font-weight: 400;
  font-display: swap;
  src: url("be42d4a6-4f15-4b4a-9339-5ceffc0b46fa.woff2") format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
/* cyrillic-ext */
@font-face {
  font-family: 'Spectral';
  font-style: normal;
  font-weight: 500;
  font-display: swap;
  src: url("95e04b4e-f740-4b67-bdd0-13f238c31e56.woff2") format('woff2');
  unicode-range: U+0460-052F, U+1C80-1C8A, U+20B4, U+2DE0-2DFF, U+A640-A69F, U+FE2E-FE2F;
}
/* cyrillic */
@font-face {
  font-family: 'Spectral';
  font-style: normal;
  font-weight: 500;
  font-display: swap;
  src: url("6aa10f32-f577-410b-9557-83af8966f7b7.woff2") format('woff2');
  unicode-range: U+0301, U+0400-045F, U+0490-0491, U+04B0-04B1, U+2116;
}
/* vietnamese */
@font-face {
  font-family: 'Spectral';
  font-style: normal;
  font-weight: 500;
  font-display: swap;
  src: url("5b6a4df0-9894-42fb-9ca7-a03b615d487e.woff2") format('woff2');
  unicode-range: U+0102-0103, U+0110-0111, U+0128-0129, U+0168-0169, U+01A0-01A1, U+01AF-01B0, U+0300-0301, U+0303-0304, U+0308-0309, U+0323, U+0329, U+1EA0-1EF9, U+20AB;
}
/* latin-ext */
@font-face {
  font-family: 'Spectral';
  font-style: normal;
  font-weight: 500;
  font-display: swap;
  src: url("29ac8e50-72a4-40f2-a86e-d41d4b3cfffa.woff2") format('woff2');
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF;
}
/* latin */
@font-face {
  font-family: 'Spectral';
  font-style: normal;
  font-weight: 500;
  font-display: swap;
  src: url("5a713e7b-f0a2-49cf-9adb-5cb3c6951520.woff2") format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
/* cyrillic-ext */
@font-face {
  font-family: 'Spectral';
  font-style: normal;
  font-weight: 600;
  font-display: swap;
  src: url("a291c110-dfe9-4654-92f0-256f1515883a.woff2") format('woff2');
  unicode-range: U+0460-052F, U+1C80-1C8A, U+20B4, U+2DE0-2DFF, U+A640-A69F, U+FE2E-FE2F;
}
/* cyrillic */
@font-face {
  font-family: 'Spectral';
  font-style: normal;
  font-weight: 600;
  font-display: swap;
  src: url("aa136552-be55-4f12-bdcd-6420deee60ad.woff2") format('woff2');
  unicode-range: U+0301, U+0400-045F, U+0490-0491, U+04B0-04B1, U+2116;
}
/* vietnamese */
@font-face {
  font-family: 'Spectral';
  font-style: normal;
  font-weight: 600;
  font-display: swap;
  src: url("5b5e86ed-ca6b-4618-bf65-d0defde2ee27.woff2") format('woff2');
  unicode-range: U+0102-0103, U+0110-0111, U+0128-0129, U+0168-0169, U+01A0-01A1, U+01AF-01B0, U+0300-0301, U+0303-0304, U+0308-0309, U+0323, U+0329, U+1EA0-1EF9, U+20AB;
}
/* latin-ext */
@font-face {
  font-family: 'Spectral';
  font-style: normal;
  font-weight: 600;
  font-display: swap;
  src: url("f14ae9a3-c238-42f6-8ffd-00f13eeec4f7.woff2") format('woff2');
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF;
}
/* latin */
@font-face {
  font-family: 'Spectral';
  font-style: normal;
  font-weight: 600;
  font-display: swap;
  src: url("264826d3-f814-4087-a6ff-17d633e93802.woff2") format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}

/* ============================================================
   Blue Haven Credit — shared component library
   Used by all hybrid homepages. Navy + warm-cream system.
   ============================================================ */
:root{
  --navy:#0E2840; --navy-2:#10283F; --navy-deep:#07182A; --navy-800:#102E49; --navy-700:#1A3F5E;
  --blue:#2F6DA8; --sky:#9FC4E4; --sky-tint:#EAF1F8; --blue-tint:#D9E5F1;
  --cream:#F5EFE5; --cream-2:#FBF7EF; --card:#FFFFFF;
  --terracotta:#BC5740; --terracotta-2:#D06A4E; --terra-soft:#F3E2DA; --green:#2E7D5B;
  --ink:#10283F; --muted:#5E6E7C; --line:#E5DDCE; --line-dark:rgba(255,255,255,.12); --on-dark:#C2D2E0;
  --serif:'Spectral',Georgia,serif; --sans:'Hanken Grotesk',system-ui,sans-serif;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:var(--sans);color:var(--ink);background:var(--cream);line-height:1.6;-webkit-font-smoothing:antialiased}
a{color:inherit;text-decoration:none}
.wrap{max-width:1200px;margin:0 auto;padding:0 48px}
h1,h2,h3,h4{font-family:var(--serif);font-weight:400;line-height:1.08;letter-spacing:-.015em}
.eyebrow{font-size:12px;font-weight:600;letter-spacing:.22em;text-transform:uppercase;color:var(--terracotta)}
.eyebrow.on-dark{color:var(--sky)}

/* BUTTONS */
.btn{display:inline-flex;align-items:center;gap:9px;font-family:var(--sans);font-weight:600;font-size:15px;padding:14px 26px;border-radius:3px;transition:.2s;cursor:pointer;border:1px solid transparent;white-space:nowrap}
.btn-primary{background:var(--navy);color:#fff}
.btn-primary:hover{background:var(--navy-deep)}
.btn-terra{background:var(--terracotta);color:#fff}
.btn-terra:hover{filter:brightness(1.07)}
.btn-ghost{background:transparent;color:var(--navy);border-color:var(--navy)}
.btn-ghost:hover{background:var(--navy);color:#fff}
.btn-outline{background:transparent;color:#fff;border-color:rgba(255,255,255,.4)}
.btn-outline:hover{border-color:#fff;background:rgba(255,255,255,.08)}
.btn-light{background:#fff;color:var(--navy)}
.btn-light:hover{background:var(--sky-tint)}

/* PLACEHOLDER */
.ph{background:repeating-linear-gradient(135deg,#E7DECF,#E7DECF 10px,#EFE8DB 10px,#EFE8DB 20px);display:flex;align-items:flex-end;justify-content:flex-start;color:#9A8E78;font-family:ui-monospace,monospace;font-size:11px;letter-spacing:.04em;padding:12px}
.ph.dark{background:repeating-linear-gradient(135deg,#13314C,#13314C 11px,#183A57 11px,#183A57 22px);color:#6E8AA4}

/* NAV */
header.nav{position:fixed;top:0;left:0;right:0;z-index:50;background:rgba(245,239,229,.9);backdrop-filter:blur(10px);border-bottom:1px solid var(--line);transition:background .3s,border-color .3s}
header.nav.nav-dark{background:var(--navy);border-bottom:1px solid var(--line-dark)}
.nav-inner{display:flex;align-items:center;justify-content:space-between;height:82px}
.brand{display:flex;align-items:center}
.brand img{height:40px;width:auto;display:block}
.brand .logo-dark{display:none}
.nav-dark .brand .logo-light{display:none}
.nav-dark .brand .logo-dark{display:block}
.nav-links{display:flex;align-items:center;gap:32px;font-size:15px;font-weight:500}
.nav-links a{color:var(--ink);transition:.2s}
.nav-dark .nav-links a{color:#D5E0EA}
.nav-links a:hover{color:var(--terracotta)}
.nav-dark .nav-links a:hover{color:#fff}
.nav-cta{display:flex;align-items:center;gap:18px}
.nav-cta .signin{font-weight:600;font-size:15px}
.nav-dark .nav-cta .signin{color:#fff}

/* TRUST STRIP */
.trust{border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:var(--cream-2)}
.trust.on-dark{background:var(--navy);border-color:var(--line-dark)}
.trust-inner{display:grid;grid-template-columns:repeat(4,1fr)}
.trust-item{padding:32px 26px;border-right:1px solid var(--line)}
.trust.on-dark .trust-item{border-color:var(--line-dark)}
.trust-item:last-child{border-right:none}
.trust-item .n{font-family:var(--serif);font-size:32px;color:var(--navy);line-height:1}
.trust.on-dark .trust-item .n{color:#fff}
.trust-item .l{font-size:13px;color:var(--muted);margin-top:9px;font-weight:500}
.trust.on-dark .trust-item .l{color:var(--on-dark)}

/* SECTION */
.section{padding:96px 0}
.section.dark{background:var(--navy);color:#fff}
.sec-head{max-width:660px;margin-bottom:50px}
.sec-head.center{margin-left:auto;margin-right:auto;text-align:center}
.sec-head.row{max-width:none;display:flex;justify-content:space-between;align-items:flex-end;gap:40px}
.sec-head h2{font-size:42px;margin:16px 0 0}
.section.dark .sec-head h2{color:#fff}
.sec-head p{color:var(--muted);font-size:17px;margin-top:16px;max-width:30em}
.section.dark .sec-head p{color:var(--on-dark)}

/* ===== FUNCTIONAL PROGRAM TABS ===== */
.prog-tabs{border-top:1px solid var(--line)}
.section.dark .prog-tabs{border-color:var(--line-dark)}
.tabs{display:flex;flex-wrap:wrap;gap:0;border-bottom:1px solid var(--line)}
.section.dark .tabs{border-color:var(--line-dark)}
.tab{appearance:none;background:none;border:none;font-family:var(--sans);font-size:15.5px;font-weight:600;color:var(--muted);padding:18px 24px 18px 0;margin-right:30px;cursor:pointer;position:relative;transition:.2s;border-bottom:2px solid transparent;margin-bottom:-1px}
.tab:last-child{margin-right:0}
.tab:hover{color:var(--ink)}
.section.dark .tab:hover{color:#fff}
.tab.active{color:var(--navy);border-bottom-color:var(--terracotta)}
.section.dark .tab.active{color:#fff}
.tab-panels{padding-top:46px}
.tab-panel{display:none}
.tab-panel.active{display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center;animation:bhfade .35s ease}
@keyframes bhfade{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:none}}
.panel-num{font-family:var(--serif);font-size:15px;color:var(--terracotta);margin-bottom:12px}
.tab-panel h3{font-size:32px;margin-bottom:14px}
.section.dark .tab-panel h3{color:#fff}
.tab-panel .pdesc{color:var(--muted);font-size:17px;margin-bottom:24px;max-width:30em}
.section.dark .tab-panel .pdesc{color:var(--on-dark)}
.goodfor{display:flex;flex-wrap:wrap;gap:9px;margin-bottom:26px}
.goodfor span{font-size:13.5px;font-weight:500;color:var(--navy);background:var(--cream-2);border:1px solid var(--line);padding:7px 15px;border-radius:100px}
.section.dark .goodfor span{color:#fff;background:rgba(255,255,255,.06);border-color:var(--line-dark)}
.pnote{font-size:14.5px;color:var(--muted);border-left:2px solid var(--terracotta);padding-left:16px;margin-bottom:26px}
.section.dark .pnote{color:var(--on-dark)}
.panel-figure .ph{aspect-ratio:5/4;border-radius:4px}
.photo{display:block;width:100%;object-fit:cover;border-radius:4px}
.panel-figure .photo{aspect-ratio:5/4}

/* ===== PROGRAM CARDS (alt layout) ===== */
.prog-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.pcard{background:#fff;border:1px solid var(--line);border-radius:5px;padding:30px;transition:.25s;cursor:pointer}
.pcard:hover{transform:translateY(-4px);box-shadow:0 24px 50px -28px rgba(14,40,64,.4);border-color:var(--navy)}
.pcard .tag{font-family:var(--serif);font-size:15px;color:var(--terracotta);margin-bottom:16px}
.pcard h3{font-size:23px;margin-bottom:10px}
.pcard p{color:var(--muted);font-size:15px;margin-bottom:16px}
.pcard .more{font-weight:600;font-size:14.5px;color:var(--navy);white-space:nowrap}

/* ===== SPECIALTIES ===== */
.spec-grid{display:grid;grid-template-columns:repeat(3,1fr)}
.spec-cell{padding:36px 32px;border-right:1px solid var(--line);border-bottom:1px solid var(--line)}
.spec-cell:nth-child(3n){border-right:none}
.spec-cell:nth-child(n+4){border-bottom:none}
.spec-cell .k{font-size:11.5px;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--terracotta);margin-bottom:14px}
.spec-cell h3{font-size:21px;margin-bottom:8px}
.spec-cell p{color:var(--muted);font-size:14.5px}
/* dark variant */
.section.dark .spec-grid{gap:1px;background:var(--line-dark);border:1px solid var(--line-dark)}
.section.dark .spec-cell{background:var(--navy);border:none;padding:34px 30px}
.section.dark .spec-cell h3{color:#fff}
.section.dark .spec-cell p{color:var(--on-dark)}
.section.dark .spec-cell .k{color:var(--sky)}
/* 4-column variant (4 asset classes + 3 complex + 1 prompt) */
.spec-grid.cols-4{grid-template-columns:repeat(4,1fr)}
.section.dark .spec-cell.prompt{background:var(--navy-700);display:flex;flex-direction:column;justify-content:center}
.spec-cell.prompt h3{font-size:19px;margin-bottom:6px}
.spec-cell.prompt p{margin-bottom:16px}
.spec-cell.prompt .btn{align-self:flex-start}
@media (max-width:1000px){.spec-grid.cols-4{grid-template-columns:repeat(2,1fr)}}
@media (max-width:560px){.spec-grid.cols-4{grid-template-columns:1fr}}

/* ===== KEEP IN TOUCH (email capture) ===== */
.keep{background:var(--cream-2);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.keep-card{display:grid;grid-template-columns:1.05fr .95fr;gap:54px;align-items:center;padding:84px 0}
.keep-card .eyebrow{margin-bottom:16px}
.keep-card h2{font-size:38px;margin-bottom:16px}
.keep-card .ktext{color:var(--muted);font-size:17px;max-width:32em}
.keep-form{display:flex;flex-direction:column;gap:12px}
.keep-row{display:flex;gap:10px}
.keep-row input{flex:1;font-family:var(--sans);font-size:16px;color:var(--ink);background:#fff;border:1px solid var(--line);border-radius:4px;padding:15px 16px;transition:.2s}
.keep-row input:focus{outline:none;border-color:var(--navy);box-shadow:0 0 0 3px rgba(47,109,168,.15)}
.keep-row .btn{flex:0 0 auto}
.keep-prefs{display:flex;flex-wrap:wrap;gap:8px;margin-top:4px}
.keep-prefs .chk{display:inline-flex;align-items:center;gap:8px;font-size:13.5px;font-weight:500;color:var(--navy);background:#fff;border:1px solid var(--line);padding:8px 14px;border-radius:100px;cursor:pointer;transition:.18s;user-select:none}
.keep-prefs .chk:hover{border-color:var(--navy)}
.keep-prefs .chk input{accent-color:var(--navy);width:15px;height:15px;cursor:pointer}
.keep-prefs .chk:has(input:checked){background:var(--sky-tint);border-color:var(--navy)}
.keep-fine{font-size:12.5px;color:var(--muted);margin-top:6px}
.keep-success{display:none;background:#fff;border:1px solid var(--line);border-left:3px solid var(--green);border-radius:4px;padding:24px 26px}
.keep-success h3{font-size:22px;margin-bottom:7px}
.keep-success p{color:var(--muted);font-size:15px}
@media (max-width:860px){.keep-card{grid-template-columns:1fr;gap:30px;padding:62px 0}.keep-row{flex-direction:column}.keep-row .btn{width:100%;justify-content:center}}

/* ===== PERSONABLE (navy band) ===== */
.pt{background:var(--navy);color:#fff}
.pt-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:62px;align-items:center;padding:96px 0}
.pt .ph{aspect-ratio:1/1;border-radius:4px}
.pt .photo{width:100%;aspect-ratio:4/5;object-fit:cover;border-radius:4px;display:block;box-shadow:0 30px 70px -30px rgba(0,0,0,.6)}
@media (max-width:860px){.pt-grid{grid-template-columns:1fr;gap:36px}.pt .photo{aspect-ratio:16/10}}
.pt h2{font-size:38px;color:#fff;margin:18px 0 22px}
.pt p{color:#B9C6D4;font-size:17px;margin-bottom:18px;max-width:34em}
.pt-points{display:flex;flex-direction:column;gap:14px;margin:24px 0 26px}
.pt-point{display:flex;gap:13px;align-items:flex-start}
.pt-point .tick{width:24px;height:24px;border-radius:50%;background:var(--terracotta);color:#fff;display:flex;align-items:center;justify-content:center;flex-shrink:0;font-size:12px;margin-top:3px}
.pt-point span{color:#C9D5E1;font-size:15.5px}
.pt-point b{color:#fff;font-weight:600}
.who{margin-top:26px;padding-top:22px;border-top:1px solid rgba(255,255,255,.14)}
.who .lbl{font-size:12px;font-weight:600;letter-spacing:.16em;text-transform:uppercase;color:var(--sky);margin-bottom:13px}
.who-tags{display:flex;flex-wrap:wrap;gap:9px}
.who-tags span{font-size:13.5px;font-weight:500;color:#DDE6EE;border:1px solid rgba(255,255,255,.22);padding:6px 14px;border-radius:100px}

/* ===== STEPS ===== */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:10px}
.step{padding:30px 28px;border:1px solid var(--line);border-radius:4px;background:var(--cream-2)}
.step .num{width:40px;height:40px;border-radius:50%;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:600;font-size:15px;margin-bottom:18px}
.step h3{font-size:20px;margin-bottom:9px}
.step p{color:var(--muted);font-size:15px}

/* ===== BROKERS ===== */
.brokers{background:var(--blue-tint);border:1px solid #C9D9EA;border-radius:5px;padding:38px 44px;display:flex;align-items:center;justify-content:space-between;gap:30px}
.brokers h3{font-size:25px;margin-bottom:6px}
.brokers p{color:var(--muted);font-size:15.5px;max-width:42em}

/* ===== CTA ===== */
.cta{text-align:center;padding:100px 0}
.cta.dark{background:var(--navy);color:#fff}
.cta h2{font-size:46px;max-width:15em;margin:18px auto 22px}
.cta.dark h2{color:#fff}
.cta p{color:var(--muted);font-size:18px;max-width:32em;margin:0 auto 32px}
.cta.dark p{color:var(--on-dark)}

/* ===== FOOTER ===== */
footer{background:var(--navy-deep);color:#8DA1B4;padding:62px 0 38px;font-size:14px}
.foot-top{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:40px;padding-bottom:42px;border-bottom:1px solid var(--line-dark)}
.foot-top img{height:36px;margin-bottom:18px;opacity:.95}
.foot-col h4{color:#fff;font-family:var(--sans);font-size:13px;letter-spacing:.1em;text-transform:uppercase;margin-bottom:16px;font-weight:600}
.foot-col a{display:block;margin-bottom:10px;color:#8DA1B4}
.foot-col a:hover{color:#fff}
.disc{padding-top:26px;font-size:12px;line-height:1.7;color:#6B8095;max-width:64em}
.foot-legal{margin-top:20px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:14px;font-size:12px;color:#6B8095}

/* ===== MODAL (Submit a Deal) ===== */
.modal-overlay{position:fixed;inset:0;background:rgba(7,24,42,.6);backdrop-filter:blur(4px);display:none;align-items:center;justify-content:center;z-index:200;padding:24px;opacity:0;transition:opacity .25s}
.modal-overlay.open{display:flex;opacity:1}
.modal{background:var(--cream-2);border-radius:8px;max-width:540px;width:100%;padding:40px;box-shadow:0 40px 90px -30px rgba(0,0,0,.5);transform:translateY(12px);transition:transform .25s;max-height:90vh;overflow:auto}
.modal-overlay.open .modal{transform:none}
.modal .x{position:absolute;top:18px;right:22px;font-size:26px;color:#fff;cursor:pointer;line-height:1;background:none;border:none}
.modal .eyebrow{margin-bottom:10px}
.modal h3{font-size:28px;margin-bottom:8px}
.modal .msub{color:var(--muted);font-size:15px;margin-bottom:26px}
.field{margin-bottom:16px}
.field label{display:block;font-size:13px;font-weight:600;color:var(--navy);margin-bottom:6px}
.field input,.field select,.field textarea{width:100%;font-family:var(--sans);font-size:15px;color:var(--ink);background:#fff;border:1px solid var(--line);border-radius:5px;padding:12px 14px;transition:.2s}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--navy);box-shadow:0 0 0 3px rgba(47,109,168,.15)}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.modal .btn{width:100%;justify-content:center;margin-top:8px}
.modal-success{display:none;text-align:center;padding:20px 0}
.modal-success .check{width:64px;height:64px;border-radius:50%;background:var(--green);color:#fff;display:flex;align-items:center;justify-content:center;font-size:30px;margin:0 auto 20px}
.modal-success h3{margin-bottom:10px}
.modal-success p{color:var(--muted);font-size:15.5px;max-width:30em;margin:0 auto}
.field label .opt{color:var(--muted);font-weight:500}
.field textarea{resize:vertical;min-height:74px;line-height:1.5}
.seg{display:flex;gap:8px}
.seg label{flex:1;display:flex;align-items:center;justify-content:center;text-align:center;border:1px solid var(--line);border-radius:6px;padding:11px 10px;font-size:13.5px;font-weight:600;color:var(--muted);cursor:pointer;background:#fff;transition:.18s}
.seg label:hover{border-color:var(--navy)}
.seg input{position:absolute;opacity:0;pointer-events:none}
.seg label:has(input:checked){border-color:var(--navy);background:var(--sky-tint);color:var(--navy)}
.form-error{display:none;font-size:13.5px;color:#B23B2E;background:#FBEDEA;border:1px solid #F0CFC8;border-radius:6px;padding:11px 14px;margin:4px 0 0;line-height:1.5}
.form-error a{color:#B23B2E;font-weight:600;text-decoration:underline}

/* ===== MOBILE NAV TOGGLE (hidden on desktop) ===== */
.nav-collapse{display:contents}
.nav-toggle{display:none;flex-direction:column;justify-content:center;gap:5px;width:44px;height:44px;border:none;background:none;cursor:pointer;padding:10px;margin-right:-10px}
.nav-toggle span{display:block;height:2px;width:100%;background:var(--navy);border-radius:2px;transition:.25s}
.nav-dark .nav-toggle span,header.nav .nav-toggle span{background:#fff}
.nav-toggle[aria-expanded="true"] span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.nav-toggle[aria-expanded="true"] span:nth-child(2){opacity:0}
.nav-toggle[aria-expanded="true"] span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}

/* ============================================================
   RESPONSIVE — tablet & mobile
   ============================================================ */
@media (max-width:980px){
  .wrap{padding:0 32px}
  .section{padding:74px 0}
  .sec-head h2{font-size:36px}
  .sec-head.row{flex-direction:column;align-items:flex-start;gap:14px}
  .tab-panel.active{grid-template-columns:1fr;gap:34px}
  .panel-figure{order:-1}
  .panel-figure .photo{aspect-ratio:16/10}
  .prog-grid{grid-template-columns:repeat(2,1fr)}
  .spec-grid{grid-template-columns:repeat(2,1fr)}
  .spec-cell:nth-child(3n){border-right:1px solid var(--line)}
  .spec-cell:nth-child(2n){border-right:none}
  .foot-top{grid-template-columns:1fr 1fr;gap:32px}
}

@media (max-width:880px){
  /* --- Mobile nav: collapse links into a drawer --- */
  .nav-toggle{display:flex}
  .nav-collapse{display:flex;position:fixed;top:82px;left:0;right:0;flex-direction:column;align-items:stretch;gap:0;
    background:var(--navy);border-bottom:1px solid var(--line-dark);
    padding:8px 32px 24px;transform:translateY(-12px);opacity:0;pointer-events:none;
    transition:transform .25s,opacity .25s;max-height:calc(100vh - 82px);overflow:auto}
  .nav-collapse.open{transform:none;opacity:1;pointer-events:auto}
  .nav-links{flex-direction:column;align-items:stretch;gap:0}
  .nav-links a{color:#fff;padding:15px 4px;border-bottom:1px solid var(--line-dark);font-size:17px}
  .nav-dark .nav-links a{color:#fff}
  .nav-cta{flex-direction:column;align-items:stretch;gap:12px;margin-top:18px}
  .nav-cta .signin{color:#fff;padding:8px 4px;font-size:16px}
  .nav-dark .nav-cta .signin{color:#fff}
  .nav-cta .btn{width:100%;justify-content:center;padding:15px 26px}
}

@media (max-width:760px){
  .wrap{padding:0 22px}
  body{padding-top:72px}
  .nav-inner{height:72px}
  .brand img{height:34px}
  .nav-collapse{top:72px}
  .section{padding:60px 0}
  .sec-head{margin-bottom:36px}
  .sec-head h2{font-size:30px}
  .sec-head p{font-size:16px}
  /* hero */
  .hero{padding:40px 0 56px !important}
  .hero h1{font-size:40px !important}
  .hero .lead{font-size:17px !important}
  .hero-actions{flex-wrap:wrap}
  .hero-actions .btn{flex:1 1 auto;justify-content:center}
  .hero-badge{position:static !important;max-width:none !important;margin-top:-14px}
  /* trust */
  .trust-inner{grid-template-columns:repeat(2,1fr)}
  .trust-item{border-bottom:1px solid var(--line)}
  .trust.on-dark .trust-item{border-bottom-color:var(--line-dark)}
  .trust-item:nth-child(2n){border-right:none}
  .trust-item:nth-child(n+3){border-bottom:none}
  .trust-item{padding:24px 18px}
  .trust-item .n{font-size:26px}
  /* program tabs: let the row scroll horizontally */
  .tabs{flex-wrap:nowrap;overflow-x:auto;-webkit-overflow-scrolling:touch;scrollbar-width:none}
  .tabs::-webkit-scrollbar{display:none}
  .tab{white-space:nowrap;padding:15px 0;margin-right:22px;font-size:15px}
  .tab-panels{padding-top:32px}
  .tab-panel h3{font-size:26px}
  .tab-panel .pdesc{font-size:16px}
  /* cards / steps / specialties / footer all single column */
  .prog-grid{grid-template-columns:1fr}
  .steps{grid-template-columns:1fr}
  .spec-grid{grid-template-columns:1fr}
  .spec-cell{border-right:none !important;border-bottom:1px solid var(--line) !important;padding:26px 4px}
  .section.dark .spec-grid{gap:1px}
  .section.dark .spec-cell{padding:26px 22px;border:none !important}
  .spec-cell:last-child{border-bottom:none !important}
  /* brokers */
  .brokers{flex-direction:column;align-items:flex-start;gap:18px;padding:28px 24px}
  .brokers .btn{width:100%;justify-content:center}
  /* personable */
  .pt-grid{padding:64px 0}
  .pt h2{font-size:30px}
  .pt .photo{aspect-ratio:16/11}
  /* keep in touch */
  .keep-card h2{font-size:30px}
  /* cta */
  .cta{padding:64px 0}
  .cta h2{font-size:32px}
  .cta p{font-size:16px}
  /* footer */
  .foot-top{grid-template-columns:1fr;gap:28px;text-align:left}
  .foot-legal{flex-direction:column;gap:8px}
  /* modal: stack paired fields, tighten padding */
  .modal{padding:30px 22px}
  .field-row{grid-template-columns:1fr;gap:0}
  .modal h3{font-size:24px}
}


  /* Best-of merge — warm editorial hero, navy punctuation */
  body{padding-top:88px}
  /* Navy nav bar to match the footer, with the harmonized logo */
  header.nav{background:var(--navy-deep);border-bottom:1px solid rgba(255,255,255,.09);backdrop-filter:none}
  header.nav .nav-inner{height:88px}
  header.nav .nav-links a{color:#D5E0EA}
  header.nav .nav-links a:hover{color:#fff}
  header.nav .nav-cta .signin{color:#fff}
  header.nav .brand img{height:54px}
  .hero{padding:62px 0 84px}
  .hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:62px;align-items:center}
  .hero h1{font-size:60px;margin:22px 0 24px;letter-spacing:-.02em}
  .hero h1 em{font-style:italic;color:var(--blue)}
  .hero .lead{font-size:19px;color:var(--muted);max-width:31em;margin-bottom:34px}
  .hero-actions{display:flex;gap:14px;align-items:center}
  .hero-figure{position:relative}
  .hero-figure .photo{aspect-ratio:4/5;border-radius:4px;width:100%}
  .hero-badge{position:absolute;left:-28px;bottom:34px;background:var(--card);border:1px solid var(--line);padding:18px 22px;border-radius:4px;box-shadow:0 18px 40px -20px rgba(16,40,63,.35);max-width:252px}
  .hero-badge .q{font-family:var(--serif);font-style:italic;font-size:16px;line-height:1.42}
  .hero-badge .by{font-size:12.5px;color:var(--muted);margin-top:8px;font-weight:500}
  @media (max-width:880px){.hero-grid{grid-template-columns:1fr;gap:38px}.hero h1{font-size:46px}.hero-badge{left:16px}}


/* ===== PROGRAM PAGE ADDITIONS (learn-more links, related cards, quote block) ===== */
.panel-more{display:inline-block;margin-left:20px;font-weight:600;font-size:14.5px;color:var(--navy);transition:.2s}
.panel-more:hover{color:var(--terracotta)}
.section.dark .panel-more{color:#fff}
.section.dark .panel-more:hover{color:var(--sky)}
.quote-block{border-left:2px solid var(--terracotta);padding:4px 0 4px 20px;margin:8px 0 32px}
.quote-block .q{font-family:var(--serif);font-style:italic;font-size:19px;line-height:1.45;color:var(--ink)}
.quote-block .by{font-size:13.5px;color:var(--muted);margin-top:8px;font-weight:500}
.related-label{font-size:12px;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);margin-bottom:18px}