/* ==========================================================================
   MitsuCap — content reference site
   Built on the AMI Brand Guidelines 2026 (colour, type, icon, imagery rules)
   ========================================================================== */

/* Gilroy is the brand typeface (commercial licence). It is used automatically
   when installed on the viewing machine; to self-host, add the licensed .woff2
   files to assets/fonts/ and append url("../fonts/Gilroy-<Weight>.woff2") to
   each src below. Until then the stack falls back to Plus Jakarta Sans (closest free
   geometric match). */
@font-face { font-family: "Gilroy"; font-weight: 300; font-display: swap; src: local("Gilroy Light"), local("Gilroy-Light"); }
@font-face { font-family: "Gilroy"; font-weight: 400; font-display: swap; src: local("Gilroy Regular"), local("Gilroy-Regular"); }
@font-face { font-family: "Gilroy"; font-weight: 500; font-display: swap; src: local("Gilroy Medium"), local("Gilroy-Medium"); }
@font-face { font-family: "Gilroy"; font-weight: 600; font-display: swap; src: local("Gilroy SemiBold"), local("Gilroy-SemiBold"); }
@font-face { font-family: "Gilroy"; font-weight: 700; font-display: swap; src: local("Gilroy Bold"), local("Gilroy-Bold"); }
@font-face { font-family: "Gilroy"; font-weight: 800; font-display: swap; src: local("Gilroy ExtraBold"), local("Gilroy-ExtraBold"); }

:root {
  /* Brand palette (guideline p.10) */
  --red: #ED1C24;          /* AMI Red — primary / CTA / accents */
  --red-dark: #C8141B;     /* hover state derived from AMI Red */
  --charcoal: #30313C;     /* Charcoal Black — text, dark surfaces */
  --gray: #656E7D;         /* Cool Gray — secondary text */
  --silver: #D1D3D4;       /* AMI Silver — borders, dividers */
  --warm-white: #E6E7E8;   /* Warm White — muted surfaces */
  --white: #FFFFFF;

  --surface-muted: #F4F4F5;
  --charcoal-deep: #25262F;

  --font: "Gilroy", "Plus Jakarta Sans", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;

  --container: 1240px;
  --gutter: 24px;
  --radius: 4px;
  --header-h: 84px;
  --ease: cubic-bezier(.2, .7, .2, 1);
}

/* ---------- Reset ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; scroll-padding-top: calc(var(--header-h) + 16px); }
body { margin: 0; font-family: var(--font); font-size: 16px; line-height: 1.65; color: var(--charcoal); background: var(--white); -webkit-font-smoothing: antialiased; overflow-x: hidden; }
img, svg { display: block; max-width: 100%; }
img { height: auto; }
a { color: inherit; text-decoration: none; }
button, input, select, textarea { font: inherit; color: inherit; }
ul, ol { padding: 0; margin: 0; }
h1, h2, h3, h4, h5, h6 { margin: 0; line-height: 1.15; font-weight: 700; }
p { margin: 0 0 1em; }
:focus-visible { outline: 2px solid var(--red); outline-offset: 3px; }
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.skip-link { position: absolute; left: 16px; top: -60px; z-index: 200; background: var(--red); color: #fff; padding: 10px 16px; font-weight: 600; }
.skip-link:focus { top: 16px; }

/* ---------- Typography hierarchy (guideline p.12) ---------- */
.h0 { font-size: clamp(2.4rem, 5.6vw, 4.5rem); font-weight: 300; letter-spacing: -.01em; text-transform: uppercase; line-height: 1.02; }
.h0 strong { font-weight: 800; }
.h1 { font-size: clamp(2rem, 3.8vw, 3rem); font-weight: 300; text-transform: uppercase; line-height: 1.08; }
.h1 strong { font-weight: 800; }
.h2 { font-size: clamp(1.5rem, 2.4vw, 2rem); font-weight: 700; line-height: 1.2; }
.h3 { font-size: .8125rem; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; }
.body-lg { font-size: 1.1875rem; line-height: 1.6; color: var(--charcoal); }
.body-sm { font-size: .875rem; }
.muted { color: var(--gray); }
.caption { font-size: .75rem; font-weight: 600; letter-spacing: .16em; text-transform: uppercase; color: var(--gray); }

.eyebrow { display: inline-flex; align-items: center; gap: 12px; font-size: .75rem; font-weight: 700; letter-spacing: .18em; text-transform: uppercase; color: var(--gray); margin-bottom: 18px; }
.eyebrow::before { content: ""; width: 32px; height: 2px; background: currentColor; opacity: .5; }
.on-dark .eyebrow { color: #fff; }

.text-link { display: inline-flex; align-items: center; gap: 8px; font-weight: 600; color: var(--red); }
.text-link svg { width: 18px; height: 18px; transition: transform .2s var(--ease); }
.text-link:hover svg { transform: translateX(4px); }

/* ---------- Layout ---------- */
.container { width: 100%; max-width: var(--container); margin-inline: auto; padding-inline: var(--gutter); }
.section { padding-block: clamp(64px, 8vw, 112px); position: relative; overflow-x: clip; }
.section--tight { padding-block: clamp(48px, 5vw, 72px); }
.section--muted { background: var(--surface-muted); }
.section--dark { background: var(--charcoal); color: #fff; }
.section-head { max-width: 720px; margin-bottom: clamp(36px, 4vw, 56px); }
.section-head--center { margin-inline: auto; text-align: center; }
.section-head--center .eyebrow { justify-content: center; }
.section-head p { color: var(--gray); margin-top: 16px; }
.on-dark .section-head p, .section--dark .section-head p { color: var(--silver); }

.grid { display: grid; gap: 24px; }
.grid > *, .layout-sidebar > * { min-width: 0; }
.grid-2 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.grid-3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.grid-4 { grid-template-columns: repeat(4, minmax(0, 1fr)); }

.layout-sidebar { display: grid; grid-template-columns: minmax(0, 1fr) 340px; gap: clamp(40px, 5vw, 72px); align-items: start; }
.layout-sidebar--wide { grid-template-columns: minmax(0, 1fr) 380px; }

/* ---------- Icons: 24×24 grid, 2px stroke, rounded (guideline p.13) ---------- */
.icon { width: 24px; height: 24px; flex: none; fill: none; stroke: currentColor; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; }
.icon-tile { width: 56px; height: 56px; display: grid; place-items: center; border: 1px solid var(--silver); color: var(--charcoal); background: var(--surface-muted); border-radius: var(--radius); flex: none; }
.section--dark .icon-tile, .on-dark .icon-tile { border-color: rgba(255,255,255,.18); color: #fff; background: rgba(255,255,255,.06); }

/* ---------- Buttons (guideline p.17: primary / secondary / tertiary / text / icon) ---------- */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 10px; min-height: 48px; padding: 12px 26px; border: 2px solid transparent; border-radius: var(--radius); font-size: .8125rem; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; cursor: pointer; transition: background-color .2s var(--ease), color .2s var(--ease), border-color .2s var(--ease); white-space: nowrap; }
.btn .icon { width: 18px; height: 18px; }
.btn--primary { background: var(--red); color: #fff; }
.btn--primary:hover { background: var(--red-dark); }
.btn--secondary { border-color: var(--charcoal); color: var(--charcoal); background: transparent; }
.btn--secondary:hover { background: var(--charcoal); color: #fff; }
.btn--tertiary { background: var(--warm-white); color: var(--charcoal); }
.btn--tertiary:hover { background: var(--silver); }
.on-dark .btn--secondary, .btn--light { border-color: #fff; color: #fff; }
.on-dark .btn--secondary:hover, .btn--light:hover { background: #fff; color: var(--charcoal); }
.btn--icon { width: 48px; padding: 0; }
.btn--block { width: 100%; }
.btn-row { display: flex; flex-wrap: wrap; gap: 14px; }

/* ---------- Images: shown as-is, no tint or overlay ---------- */
.img-cover, .img-plain { overflow: hidden; background: var(--warm-white); }
.img-cover img, .img-plain img { width: 100%; height: 100%; object-fit: cover; }

/* ---------- Top bar ---------- */
.topbar { background: var(--charcoal); color: var(--silver); font-size: .8125rem; }
.topbar .container { display: flex; align-items: center; justify-content: space-between; gap: 24px; min-height: 42px; }
.topbar__list { display: flex; flex-wrap: wrap; gap: 8px 28px; list-style: none; }
.topbar__list li, .topbar__list a { display: inline-flex; align-items: center; gap: 8px; }
.topbar__list a:hover { color: #fff; }
.topbar .icon { width: 15px; height: 15px; color: var(--silver); }
.topbar__cta { color: #fff; font-weight: 600; letter-spacing: .08em; text-transform: uppercase; font-size: .75rem; display: inline-flex; align-items: center; gap: 8px; }
.topbar__cta:hover { color: var(--silver); }

/* ---------- Header / navigation ---------- */
.site-header { position: sticky; top: 0; z-index: 100; background: rgba(255,255,255,.97); backdrop-filter: saturate(1.4) blur(8px); border-bottom: 1px solid var(--warm-white); transition: box-shadow .2s var(--ease); }
.site-header.is-scrolled { box-shadow: 0 6px 24px rgba(48,49,60,.08); }
.site-header .container { display: flex; align-items: center; gap: 32px; min-height: var(--header-h); }
.brand { flex: none; display: block; }
.brand img { height: 46px; width: auto; }
.nav { margin-left: auto; }
.nav__list { display: flex; align-items: center; gap: 4px; list-style: none; }
.nav__item { position: relative; }
.nav__link { display: inline-flex; align-items: center; gap: 6px; padding: 30px 14px; font-size: .78rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--charcoal); background: none; border: 0; cursor: pointer; position: relative; }
.nav__link .icon { width: 14px; height: 14px; transition: transform .2s var(--ease); }
.nav__link::after { content: ""; position: absolute; left: 14px; right: 14px; bottom: 22px; height: 2px; background: var(--red); transform: scaleX(0); transform-origin: left; transition: transform .25s var(--ease); }
.nav__item:hover > .nav__link::after, .nav__item.is-current > .nav__link::after, .nav__item:focus-within > .nav__link::after { transform: scaleX(1); }
.nav__item.is-current > .nav__link { color: var(--charcoal); }
.nav__dropdown { position: absolute; top: 100%; left: 0; min-width: 260px; background: #fff; border-top: 1px solid var(--warm-white); box-shadow: 0 18px 40px rgba(48,49,60,.14); padding: 10px 0; list-style: none; opacity: 0; visibility: hidden; transform: translateY(8px); transition: opacity .2s var(--ease), transform .2s var(--ease), visibility .2s; }
.nav__dropdown--wide { display: grid; grid-template-columns: repeat(2, minmax(220px, 1fr)); min-width: 520px; }
.nav__item:hover > .nav__dropdown, .nav__item:focus-within > .nav__dropdown { opacity: 1; visibility: visible; transform: translateY(0); }
.nav__item:hover > .nav__link .icon { transform: rotate(180deg); }
.nav__dropdown a { display: block; padding: 9px 22px; font-size: .9rem; color: var(--charcoal); transition: color .15s, background-color .15s, padding-left .2s var(--ease); }
.nav__dropdown a:hover, .nav__dropdown a[aria-current="page"] { color: var(--charcoal); background: var(--surface-muted); padding-left: 28px; }
.header-cta { flex: none; }
.nav-toggle { display: none; margin-left: auto; width: 48px; height: 48px; border: 0; background: none; cursor: pointer; color: var(--charcoal); place-items: center; }
.nav-toggle .icon { width: 28px; height: 28px; }

/* ---------- Mobile drawer ---------- */
.drawer { position: fixed; inset: 0; z-index: 150; visibility: hidden; }
.drawer.is-open { visibility: visible; }
.drawer__scrim { position: absolute; inset: 0; background: rgba(37,38,47,.6); opacity: 0; transition: opacity .25s var(--ease); }
.drawer.is-open .drawer__scrim { opacity: 1; }
.drawer__panel { position: absolute; top: 0; right: 0; bottom: 0; width: min(380px, 100%); background: var(--charcoal); color: #fff; overflow-y: auto; transform: translateX(100%); transition: transform .3s var(--ease); display: flex; flex-direction: column; }
.drawer.is-open .drawer__panel { transform: none; }
.drawer__head { display: flex; align-items: center; justify-content: space-between; padding: 18px 16px 18px 20px; border-bottom: 1px solid rgba(255,255,255,.1); }
.drawer__head img { height: 38px; width: auto; }
.drawer__close { width: 44px; height: 44px; display: grid; place-items: center; background: none; border: 0; color: #fff; cursor: pointer; }
.drawer__nav { list-style: none; padding: 8px 0; flex: 1; }
.drawer__nav > li { border-bottom: 1px solid rgba(255,255,255,.08); }
.drawer__nav > li > a, .drawer__group > button { display: flex; width: 100%; align-items: center; justify-content: space-between; padding: 16px 20px; background: none; border: 0; color: #fff; font-size: .82rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; cursor: pointer; text-align: left; }
.drawer__group > button .icon { width: 18px; height: 18px; transition: transform .2s; }
.drawer__group.is-open > button .icon { transform: rotate(180deg); }
.drawer__group.is-open > button { color: #fff; }
.drawer__sub { list-style: none; display: none; padding: 0 0 12px; }
.drawer__group.is-open .drawer__sub { display: block; }
.drawer__sub a { display: block; padding: 9px 20px 9px 32px; color: var(--silver); font-size: .95rem; }
.drawer__sub a:hover, .drawer__sub a[aria-current="page"] { color: #fff; }
.drawer__foot { padding: 20px; display: grid; gap: 12px; border-top: 1px solid rgba(255,255,255,.1); }

/* ---------- Home hero slider ---------- */
.hero { position: relative; min-height: min(86vh, 760px); display: flex; align-items: center; color: #fff; overflow: hidden; background: var(--charcoal-deep); isolation: isolate; }
.hero__slide { position: absolute; inset: 0; opacity: 0; visibility: hidden; transition: opacity .9s var(--ease), visibility .9s; display: flex; align-items: center; }
.hero__slide.is-active { opacity: 1; visibility: visible; }
.hero__bg { position: absolute; inset: 0; z-index: -1; }
.hero__bg img { width: 100%; height: 100%; object-fit: cover; transform: scale(1.06); transition: transform 8s linear; }
.hero__slide.is-active .hero__bg img { transform: scale(1); }
/* neutral scrim only behind the text so the photo stays natural */
.hero__bg::after { content: ""; position: absolute; inset: 0; background: linear-gradient(90deg, rgba(37,38,47,.78) 0%, rgba(37,38,47,.5) 45%, rgba(37,38,47,0) 80%); }
.hero__content { position: relative; max-width: 780px; padding-block: 120px; }
.hero__content .h0 { margin-bottom: 24px; }
.hero__content p { font-size: 1.1875rem; color: var(--warm-white); max-width: 560px; margin-bottom: 36px; }
.hero__controls { position: absolute; left: 0; right: 0; bottom: 40px; z-index: 5; }
.hero__controls .container { display: flex; align-items: center; gap: 20px; }
.hero__dots { display: flex; gap: 10px; }
.hero__dot { width: 36px; height: 4px; border: 0; padding: 0; background: rgba(255,255,255,.35); cursor: pointer; transition: background-color .2s, width .3s var(--ease); }
.hero__dot.is-active { background: #fff; width: 56px; }
.hero__count { font-size: .75rem; font-weight: 700; letter-spacing: .16em; color: var(--silver); }

/* ---------- Inner page hero ---------- */
.page-hero { position: relative; background: var(--charcoal); color: #fff; overflow: hidden; isolation: isolate; }
.page-hero__bg { position: absolute; inset: 0; z-index: -1; }
.page-hero__bg img { width: 100%; height: 100%; object-fit: cover; }
.page-hero__bg::after { content: ""; position: absolute; inset: 0; background: linear-gradient(90deg, rgba(48,49,60,.85) 0%, rgba(48,49,60,.6) 50%, rgba(48,49,60,.2) 100%); }
.page-hero .container { position: relative; padding-block: clamp(64px, 8vw, 104px); }
.page-hero .h1 { max-width: 820px; }
.page-hero__lead { max-width: 640px; margin: 18px 0 0; color: var(--warm-white); font-size: 1.0625rem; }
.breadcrumb { list-style: none; display: flex; flex-wrap: wrap; align-items: center; gap: 6px 10px; margin-bottom: 22px; font-size: .75rem; font-weight: 600; letter-spacing: .14em; text-transform: uppercase; color: var(--silver); }
.breadcrumb li { display: inline-flex; align-items: center; gap: 10px; }
.breadcrumb li + li::before { content: "/"; color: rgba(255,255,255,.45); }
.breadcrumb a:hover { color: #fff; }
.breadcrumb [aria-current] { color: #fff; }

/* ---------- Cards ---------- */
.card { background: #fff; border: 1px solid var(--warm-white); border-radius: var(--radius); overflow: hidden; display: flex; flex-direction: column; transition: border-color .2s, transform .25s var(--ease), box-shadow .25s var(--ease); position: relative; }
.card:hover { border-color: var(--silver); transform: translateY(-4px); box-shadow: 0 18px 40px rgba(48,49,60,.1); }
.card__media { aspect-ratio: 16 / 10; }
.card__body { padding: 28px 28px 30px; display: flex; flex-direction: column; gap: 12px; flex: 1; }
.card__title { font-size: 1.25rem; font-weight: 700; }
.card__title a::after { content: ""; position: absolute; inset: 0; }
.card__text { color: var(--gray); margin: 0; }
.card .text-link { margin-top: auto; padding-top: 8px; }
.card__index { position: absolute; top: 16px; left: 16px; z-index: 2; font-size: .75rem; font-weight: 800; letter-spacing: .14em; color: #fff; background: var(--charcoal); padding: 6px 10px; }

/* Value / feature tiles */
.value { padding: 32px 28px; border: 1px solid var(--warm-white); border-radius: var(--radius); background: #fff; display: flex; flex-direction: column; gap: 16px; transition: border-color .2s, background-color .2s; }
.value:hover { border-color: var(--silver); }
.value h3 { font-size: 1.125rem; font-weight: 700; }
.value p { margin: 0; color: var(--gray); font-size: .95rem; }
.section--dark .value { background: rgba(255,255,255,.03); border-color: rgba(255,255,255,.1); }
.section--dark .value p { color: var(--silver); }
.section--dark .value:hover { border-color: rgba(255,255,255,.28); background: rgba(255,255,255,.05); }

/* Numbered list tiles (e.g. What Affects Rate) */
.factor { display: grid; grid-template-columns: auto 1fr; gap: 18px; padding: 24px 0; border-top: 1px solid rgba(255,255,255,.12); }
.factor:first-child { border-top: 0; padding-top: 0; }
.factor h3 { font-size: 1.0625rem; margin-bottom: 6px; }
.factor p { margin: 0; color: var(--silver); }
.section:not(.section--dark) .factor { border-color: var(--warm-white); }
.section:not(.section--dark) .factor p { color: var(--gray); }

/* ---------- Prose (long-form content) ---------- */
.prose { max-width: 760px; }
.prose > * + * { margin-top: 1.1em; }
.prose p { margin-bottom: 0; }
.prose h2 { font-size: clamp(1.5rem, 2.4vw, 2rem); margin-top: 1.6em; }
.prose h3 { font-size: 1.25rem; margin-top: 1.6em; }
.prose h2:first-child, .prose h3:first-child { margin-top: 0; }
.prose ul, .prose ol { padding-left: 0; list-style: none; display: grid; gap: 12px; }
.prose ul li { position: relative; padding-left: 28px; }
.prose ul li::before { content: ""; position: absolute; left: 4px; top: .62em; width: 6px; height: 6px; border-radius: 50%; background: var(--gray); }
.prose ol { counter-reset: ol; }
.prose ol li { counter-increment: ol; position: relative; padding-left: 44px; }
.prose ol li::before { content: counter(ol, decimal-leading-zero); position: absolute; left: 0; top: 0; font-weight: 800; color: var(--gray); font-size: .9rem; letter-spacing: .06em; }
.prose a:not(.btn) { color: var(--red); text-decoration: underline; text-underline-offset: 3px; }
.prose strong { font-weight: 700; }
.prose .lead { font-size: 1.1875rem; line-height: 1.6; }
.prose figure { margin: 0; }
.prose .callout { border-left: 3px solid var(--charcoal); background: var(--surface-muted); padding: 22px 26px; }
.prose .callout p + p { margin-top: .6em; }
.legal .prose { max-width: 860px; }
.legal .prose h2 { font-size: 1.25rem; }

.feature-img { aspect-ratio: 2 / 1; border-radius: var(--radius); margin-bottom: 40px; }

/* Example / calculation table */
.data-table { width: 100%; border-collapse: collapse; font-size: .95rem; }
.data-table th, .data-table td { text-align: left; padding: 14px 16px; border-bottom: 1px solid var(--warm-white); vertical-align: top; }
.data-table th { font-size: .72rem; letter-spacing: .14em; text-transform: uppercase; color: var(--gray); font-weight: 700; background: var(--surface-muted); }
.data-table td:last-child { font-weight: 700; }
.table-wrap { overflow-x: auto; border: 1px solid var(--warm-white); border-radius: var(--radius); }

/* ---------- Sidebar ---------- */
.aside { display: grid; gap: 24px; position: sticky; top: calc(var(--header-h) + 24px); }
.aside-block { border: 1px solid var(--warm-white); border-radius: var(--radius); padding: 28px; background: #fff; }
.aside-block__title { font-size: .75rem; font-weight: 700; letter-spacing: .16em; text-transform: uppercase; color: var(--gray); margin-bottom: 16px; }
.aside-block--dark { background: var(--charcoal); color: #fff; border-color: var(--charcoal); position: relative; overflow: hidden; }
.aside-block--dark h3 { font-size: 1.375rem; margin-bottom: 10px; }
.aside-block--dark p { color: var(--silver); }
.service-menu { list-style: none; display: grid; }
.service-menu a { display: flex; align-items: center; justify-content: space-between; gap: 12px; padding: 13px 0; border-bottom: 1px solid var(--warm-white); font-weight: 600; font-size: .95rem; transition: color .15s, padding-left .2s var(--ease); }
.service-menu li:last-child a { border-bottom: 0; }
.service-menu .icon { width: 16px; height: 16px; color: var(--silver); transition: color .15s; }
.service-menu a:hover, .service-menu a[aria-current="page"] { color: var(--charcoal); font-weight: 700; padding-left: 6px; }
.service-menu a:hover .icon, .service-menu a[aria-current="page"] .icon { color: var(--charcoal); }

.promo { position: relative; border-radius: var(--radius); overflow: hidden; color: #fff; min-height: 300px; display: flex; }
.promo__slide { position: absolute; inset: 0; opacity: 0; visibility: hidden; transition: opacity .6s var(--ease); display: flex; flex-direction: column; justify-content: flex-end; padding: 28px; }
.promo__slide.is-active { opacity: 1; visibility: visible; }
.promo__slide .img-cover { position: absolute; inset: 0; z-index: -1; }
.promo__slide::after { content: ""; position: absolute; inset: 0; z-index: -1; background: linear-gradient(to top, rgba(37,38,47,.92) 0%, rgba(37,38,47,.55) 55%, rgba(37,38,47,.1) 100%); }
.promo { isolation: isolate; }
.promo__slide h3 { font-size: 1.5rem; font-weight: 300; text-transform: uppercase; line-height: 1.1; margin-bottom: 10px; }
.promo__slide h3 strong { font-weight: 800; display: block; }
.promo__slide p { font-size: .92rem; color: #fff; opacity: .92; margin-bottom: 14px; }
.promo__slide .text-link { color: #fff; }
.promo__dots { position: absolute; top: 20px; right: 20px; display: flex; gap: 6px; z-index: 3; }
.promo__dots button { width: 20px; height: 3px; border: 0; padding: 0; background: rgba(255,255,255,.45); cursor: pointer; }
.promo__dots button.is-active { background: #fff; }

.testimonial { position: relative; }
.testimonial .icon { width: 32px; height: 32px; color: var(--silver); margin-bottom: 14px; }
.testimonial blockquote { margin: 0 0 20px; font-size: 1.0625rem; font-weight: 500; line-height: 1.55; }
.testimonial__who { display: flex; align-items: center; gap: 14px; }
.testimonial__who img { width: 48px; height: 48px; border-radius: 50%; }
.testimonial__who strong { display: block; font-size: .95rem; }
.testimonial__who span { font-size: .85rem; color: var(--gray); }

/* ---------- CTA band ---------- */
.cta-band { background: var(--surface-muted); color: var(--charcoal); border-top: 1px solid var(--warm-white); }
.cta-band .container { display: flex; align-items: center; justify-content: space-between; gap: 32px; padding-block: clamp(48px, 6vw, 72px); }
.cta-band h2 { font-size: clamp(1.5rem, 3vw, 2.25rem); font-weight: 300; text-transform: uppercase; line-height: 1.12; max-width: 760px; }
.cta-band h2 strong { font-weight: 800; }
.cta-band p { margin: 10px 0 0; color: var(--gray); }
.cta-band .btn { background: var(--red); color: #fff; }
.cta-band .btn:hover { background: var(--red-dark); }

/* ---------- Logo strip (associations) ---------- */
.logo-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(150px, 1fr)); gap: 16px; list-style: none; }
.logo-grid li { background: #fff; border: 1px solid var(--warm-white); border-radius: var(--radius); aspect-ratio: 1 / 1; display: grid; place-items: center; padding: 18px; transition: border-color .2s; }
.logo-grid li:hover { border-color: var(--silver); }
.logo-grid a, .logo-grid span { display: grid; place-items: center; width: 100%; height: 100%; }
.logo-grid img { max-height: 100%; width: auto; object-fit: contain; }

/* ---------- Industries ---------- */
.industry-nav { display: flex; flex-wrap: wrap; gap: 10px; list-style: none; margin-bottom: 48px; }
.industry-nav a { display: inline-flex; align-items: center; gap: 8px; padding: 10px 16px; border: 1px solid var(--silver); border-radius: 999px; font-size: .85rem; font-weight: 600; transition: all .15s; }
.industry-nav a:hover { border-color: var(--charcoal); background: var(--surface-muted); }
.industry { border: 1px solid var(--warm-white); border-radius: var(--radius); padding: 30px 28px; background: #fff; scroll-margin-top: calc(var(--header-h) + 24px); }
.industry:target { border-color: var(--charcoal); box-shadow: 0 0 0 3px rgba(48,49,60,.1); }
.industry__head { display: flex; align-items: center; gap: 16px; margin-bottom: 20px; }
.industry__head h2 { font-size: 1.1875rem; }
.industry__num { font-size: .75rem; font-weight: 800; letter-spacing: .12em; color: var(--gray); }
.check-list { list-style: none; display: grid; gap: 10px; }
.check-list li { display: flex; gap: 12px; font-size: .95rem; }
.check-list .icon { width: 18px; height: 18px; color: var(--gray); margin-top: 3px; }

/* ---------- Jobs table ---------- */
.jobs { width: 100%; border-collapse: collapse; }
.jobs th { text-align: left; font-size: .72rem; letter-spacing: .14em; text-transform: uppercase; color: var(--gray); padding: 12px 16px; border-bottom: 2px solid var(--charcoal); }
.jobs td { padding: 20px 16px; border-bottom: 1px solid var(--warm-white); }
.jobs td:first-child a { font-weight: 700; font-size: 1.0625rem; }
.jobs td:first-child a:hover { color: var(--gray); }
.job-meta { display: flex; flex-wrap: wrap; gap: 12px 32px; list-style: none; padding: 22px 0; border-block: 1px solid var(--warm-white); margin-bottom: 32px; }
.job-meta li { display: flex; align-items: center; gap: 10px; }
.job-meta .icon { color: var(--gray); }
.job-meta span { color: var(--gray); font-size: .85rem; display: block; line-height: 1.2; }

/* ---------- Coming soon ---------- */
.coming-soon { text-align: center; max-width: 620px; margin-inline: auto; }
.coming-soon .icon-tile { margin: 0 auto 24px; width: 72px; height: 72px; }
.coming-soon .icon-tile .icon { width: 32px; height: 32px; }
.coming-soon h2 { font-size: clamp(1.75rem, 3vw, 2.5rem); font-weight: 300; text-transform: uppercase; margin-bottom: 16px; }
.coming-soon h2 strong { font-weight: 800; }
.coming-soon p { color: var(--gray); }
.coming-soon .btn-row { justify-content: center; margin-top: 28px; }

/* ---------- Contact blocks ---------- */
.contact-list { list-style: none; display: grid; gap: 22px; }
.contact-list li { display: flex; gap: 16px; align-items: flex-start; }
.contact-list .icon-tile { width: 48px; height: 48px; }
.contact-list strong { display: block; font-size: .72rem; letter-spacing: .14em; text-transform: uppercase; color: var(--gray); margin-bottom: 2px; }
.contact-list a:hover { text-decoration: underline; }
.section--dark .contact-list strong { color: var(--silver); }
.map-embed { border: 0; width: 100%; aspect-ratio: 16 / 7; min-height: 320px; display: block; }

/* ---------- Forms ---------- */
.form { display: grid; gap: 20px; }
.form-card { background: #fff; border: 1px solid var(--warm-white); border-radius: var(--radius); padding: clamp(24px, 4vw, 44px); }
.form-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 18px 20px; }
.form-grid--3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.field { display: grid; gap: 8px; }
.field--full { grid-column: 1 / -1; }
.field label, .field .label { font-size: .75rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--charcoal); }
.field label .req, .label .req { color: var(--gray); }
.field small { color: var(--gray); font-size: .8rem; }
.input, .select, .textarea { width: 100%; min-height: 50px; padding: 12px 16px; border: 1px solid var(--silver); border-radius: var(--radius); background: #fff; font-size: 1rem; transition: border-color .15s, box-shadow .15s; }
.textarea { min-height: 140px; resize: vertical; }
.select { appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='24' height='24' viewBox='0 0 24 24' fill='none' stroke='%2330313C' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 14px center; background-size: 18px; padding-right: 44px; }
.input:focus, .select:focus, .textarea:focus { outline: none; border-color: var(--charcoal); box-shadow: 0 0 0 3px rgba(48,49,60,.1); }
.input::placeholder, .textarea::placeholder { color: #9A9FA8; }
.section--dark .input, .section--dark .textarea { background: rgba(255,255,255,.05); border-color: rgba(255,255,255,.18); color: #fff; }
.section--dark .input:focus, .section--dark .textarea:focus { border-color: #fff; box-shadow: none; }
.section--dark .input::placeholder, .section--dark .textarea::placeholder { color: rgba(255,255,255,.5); }
.section--dark .field label { color: var(--silver); }
.fieldset { border: 0; padding: 0; margin: 0; }
.fieldset + .fieldset { margin-top: 36px; padding-top: 36px; border-top: 1px solid var(--warm-white); }
.fieldset legend { display: flex; align-items: center; gap: 14px; font-size: .8125rem; font-weight: 800; letter-spacing: .16em; text-transform: uppercase; margin-bottom: 24px; padding: 0; }
.fieldset legend span { display: grid; place-items: center; width: 30px; height: 30px; background: var(--charcoal); color: #fff; border-radius: var(--radius); font-size: .8rem; letter-spacing: 0; }
.choice-row { display: flex; flex-wrap: wrap; gap: 12px; }
.choice { display: inline-flex; align-items: center; gap: 10px; padding: 12px 18px; border: 1px solid var(--silver); border-radius: var(--radius); cursor: pointer; font-weight: 600; }
.choice input { accent-color: var(--charcoal); width: 18px; height: 18px; margin: 0; }
.choice:has(input:checked) { border-color: var(--charcoal); background: var(--surface-muted); }
.agree { display: flex; gap: 14px; align-items: flex-start; padding: 20px; background: var(--surface-muted); border-radius: var(--radius); cursor: pointer; }
.agree input { accent-color: var(--charcoal); width: 20px; height: 20px; margin: 2px 0 0; flex: none; }
.form-actions { display: flex; flex-wrap: wrap; align-items: center; gap: 16px; margin-top: 8px; }
.form-status { display: none; padding: 16px 20px; border-left: 3px solid var(--charcoal); background: var(--surface-muted); color: var(--charcoal); font-size: .95rem; }
.form-status.is-visible { display: block; }
.section--dark .form-status { background: rgba(255,255,255,.06); color: #fff; }
.agreement-box { max-height: 340px; overflow-y: auto; border: 1px solid var(--warm-white); border-radius: var(--radius); padding: 24px; background: var(--surface-muted); font-size: .92rem; }
.agreement-box h3 { font-size: 1rem; margin-bottom: 4px; }
.agreement-box > * + * { margin-top: 12px; }
.agreement-box ul { padding-left: 20px; display: grid; gap: 8px; }
.agreement-box a { color: var(--charcoal); text-decoration: underline; }
.steps { display: flex; gap: 8px; margin-bottom: 28px; list-style: none; }
.steps li { flex: 1; font-size: .72rem; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: var(--gray); padding-top: 12px; border-top: 3px solid var(--warm-white); }
.steps li.is-active { color: var(--charcoal); border-color: var(--charcoal); }
.form-step[hidden] { display: none; }
.download-list { list-style: none; display: grid; gap: 12px; }
.download-list a, .download-list span.item { display: flex; align-items: center; gap: 14px; padding: 16px 18px; border: 1px solid var(--warm-white); border-radius: var(--radius); font-weight: 600; }
.download-list a:hover { border-color: var(--charcoal); }
.download-list .icon { color: var(--gray); }
.download-list em { font-style: normal; margin-left: auto; font-size: .75rem; letter-spacing: .1em; text-transform: uppercase; color: var(--gray); }

/* ---------- Content notes for the build team ---------- */
.dev-note { border: 1px dashed var(--gray); background: repeating-linear-gradient(-45deg, #fff, #fff 10px, var(--surface-muted) 10px, var(--surface-muted) 20px); border-radius: var(--radius); padding: 18px 20px; font-size: .88rem; color: var(--charcoal); display: flex; gap: 12px; align-items: flex-start; }
.dev-note .icon { width: 18px; height: 18px; color: var(--gray); margin-top: 2px; }
.dev-note strong { font-size: .7rem; letter-spacing: .16em; text-transform: uppercase; display: block; color: var(--gray); margin-bottom: 2px; }
.dev-note p { margin: 0; }
.dev-note code, .prose code { overflow-wrap: anywhere; }
.section--dark .dev-note { background: rgba(255,255,255,.04); color: var(--silver); border-color: rgba(255,255,255,.3); }
body.hide-notes .dev-note { display: none; }
.notes-toggle { position: fixed; left: 16px; bottom: 16px; z-index: 90; display: inline-flex; align-items: center; gap: 8px; padding: 10px 14px; background: var(--charcoal); color: #fff; border: 0; border-radius: 999px; font-size: .72rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; cursor: pointer; box-shadow: 0 8px 24px rgba(0,0,0,.2); }
.notes-toggle .icon { width: 16px; height: 16px; color: #fff; }

/* ---------- Footer ---------- */
.site-footer { background: var(--charcoal-deep); color: var(--silver); position: relative; overflow: hidden; }
.footer-top { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.2fr; gap: 48px; padding-block: 80px 56px; }
.footer-brand img { height: 52px; width: auto; margin-bottom: 22px; }
.footer-brand p { font-size: .95rem; max-width: 340px; }
.footer-col h2 { font-size: .75rem; font-weight: 700; letter-spacing: .16em; text-transform: uppercase; color: #fff; margin-bottom: 20px; display: flex; align-items: center; gap: 10px; }
.footer-col h2::before { content: ""; width: 18px; height: 2px; background: rgba(255,255,255,.3); }
.footer-links { list-style: none; display: grid; gap: 10px; font-size: .95rem; }
.footer-links a:hover { color: #fff; }
.footer-contact { list-style: none; display: grid; gap: 14px; font-size: .95rem; }
.footer-contact li { display: flex; gap: 12px; }
.footer-contact .icon { width: 18px; height: 18px; color: var(--silver); margin-top: 3px; }
.footer-contact a:hover { color: #fff; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.08); }
.footer-bottom .container { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 12px 24px; padding-block: 24px; font-size: .82rem; }
.footer-bottom ul { list-style: none; display: flex; flex-wrap: wrap; gap: 8px 24px; }
.footer-bottom a:hover { color: #fff; }

/* ---------- Sitemap ---------- */
.sitemap-table { width: 100%; border-collapse: collapse; font-size: .92rem; }
.sitemap-table th, .sitemap-table td { text-align: left; padding: 12px 14px; border-bottom: 1px solid var(--warm-white); vertical-align: top; }
.sitemap-table th { font-size: .7rem; letter-spacing: .14em; text-transform: uppercase; color: var(--gray); background: var(--surface-muted); }
.sitemap-table td a { color: var(--charcoal); font-weight: 600; text-decoration: underline; text-underline-offset: 3px; }
.sitemap-table code { font-size: .82rem; color: var(--gray); word-break: break-all; }
.tag { display: inline-block; font-size: .68rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; padding: 3px 8px; border-radius: 999px; background: var(--warm-white); color: var(--charcoal); white-space: nowrap; }
.tag--red { background: var(--charcoal); color: #fff; }

/* ---------- Reveal on scroll ---------- */
.reveal { opacity: 0; transform: translateY(18px); transition: opacity .7s var(--ease), transform .7s var(--ease); }
.reveal.is-visible { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { transition-duration: .01ms !important; animation-duration: .01ms !important; scroll-behavior: auto !important; }
  .reveal { opacity: 1; transform: none; }
}

/* ---------- Responsive ---------- */
@media (max-width: 1180px) {
  .nav, .header-cta { display: none; }
  .nav-toggle { display: grid; }
  .footer-top { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 980px) {
  .layout-sidebar, .layout-sidebar--wide { grid-template-columns: 1fr; }
  .aside { position: static; }
  .grid-4 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .grid-3 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .cta-band .container { flex-direction: column; align-items: flex-start; }
  .topbar__list li.hide-md { display: none; }
}
@media (max-width: 680px) {
  :root { --gutter: 16px; --header-h: 72px; }
  .brand img { height: 38px; }
  .grid-2, .grid-3, .grid-4, .form-grid, .form-grid--3 { grid-template-columns: 1fr; }
  .footer-top { grid-template-columns: 1fr; gap: 36px; padding-block: 56px 40px; }
  .topbar { display: none; }
  .hero { min-height: 640px; }
  .btn-row .btn { flex: 1 1 auto; }
  .jobs thead { display: none; }
  .jobs tr { display: grid; padding: 16px 0; border-bottom: 1px solid var(--warm-white); }
  .jobs td { border: 0; padding: 2px 0; }
  .map-embed { aspect-ratio: 4 / 3; }
}

/* Interest-rate swaps widget (third-party iframe, home > Strategy Development) */
.rates-widget { border: 1px solid var(--warm-white); border-radius: var(--radius); overflow: hidden; background: #fff; }
/* The widget has a fixed ~630px layout; main.js scales it down to fit narrower columns. */
.rates-widget iframe { display: block; width: 630px; height: 320px; border: 0; transform-origin: 0 0; }