/* ============================================================
   CAREVEST GROUP — PRODUCTION STYLESHEET (V2 BLUE)
   Direction: warm, premium, trust-first
   White ground · Pacific navy anchor · CareVest blue accent
   One refined sans, light weights, tabular numerals
   ============================================================ */

:root {
  --navy: #16273F;
  --navy-deep: #0A1421;
  --ground: #FFFFFF;
  --surface: #F5F8FA;
  --fg: #1B2436;
  --muted: #5A6675;
  --line: #E1E8EE;
  --accent: #00529C;
  --accent-ink: #FFFFFF;
  --accent-soft: rgba(0, 82, 156, 0.09);
  --cool: #6E8398;
  --cool-soft: #DCE4EC;
  --band-bg: #16273F;
  --band-fg: #EDF3F9;
  --band-muted: #A7B7CA;
  --band-line: rgba(237, 243, 249, 0.16);
  --card-shadow: 0 1px 2px rgba(22, 39, 63, 0.04), 0 18px 40px -24px rgba(22, 39, 63, 0.24);

  --sans: "Hanken Grotesk", -apple-system, BlinkMacSystemFont, "SF Pro Display", "Helvetica Neue", "Segoe UI", system-ui, sans-serif;

  --s-1: 0.78rem;
  --s0: 1.0625rem;
  --s1: 1.3rem;
  --s2: clamp(1.6rem, 2.6vw, 2rem);
  --s3: clamp(2rem, 4vw, 3rem);
  --s4: clamp(2.5rem, 6vw, 4.6rem);
  --s-stat: clamp(2.4rem, 5.5vw, 4.2rem);

  --wrap: 1180px;
  --radius-s: 10px;
  --radius-m: 18px;
  --radius-l: 28px;
}


/* V2 (blue): lighter accent on navy surfaces so labels and buttons stay legible */
.section--band, .page-hero, .hero-cine, .calc__out, .ctaband, .site-footer {
  --accent: #7FB2E5;
  --accent-ink: #0A1421;
  --accent-soft: rgba(127, 178, 229, 0.16);
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  background: var(--ground);
  color: var(--fg);
  font-family: var(--sans);
  font-size: var(--s0);
  line-height: 1.65;
  font-weight: 400;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

h1, h2, h3, h4 { margin: 0; font-weight: 300; letter-spacing: -0.02em; line-height: 1.1; text-wrap: balance; }
p { margin: 0; }
a { color: inherit; }
img, svg { max-width: 100%; display: block; }
button { font-family: inherit; }

.wrap { width: 100%; max-width: var(--wrap); margin-inline: auto; padding-inline: 24px; }
.wrap--narrow { max-width: 880px; }

.eyebrow {
  font-size: var(--s-1);
  font-weight: 600;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--accent);
  margin: 0;
}
.eyebrow--muted { color: var(--muted); }
.eyebrow--band { color: var(--band-muted); }

.accent-word { color: var(--accent); font-style: italic; }
.tnum { font-variant-numeric: tabular-nums; }

.section { padding-block: clamp(64px, 9vw, 118px); }
.section--tight { padding-block: clamp(44px, 6vw, 72px); }
.section--band { background: var(--band-bg); color: var(--band-fg); }
.section--surface { background: var(--surface); border-block: 1px solid var(--line); }

.lede { font-size: var(--s1); color: var(--muted); max-width: 62ch; font-weight: 400; }
.section-h { font-size: var(--s3); max-width: 24ch; margin-top: 14px; }
.section-sub { color: var(--muted); margin-top: 16px; max-width: 66ch; }
.section--band .section-h { color: var(--band-fg); }
.section--band .section-sub { color: var(--band-muted); }

.rule { height: 1px; background: var(--line); border: 0; margin: 0; }

.fine {
  font-size: 0.74rem;
  color: var(--muted);
  line-height: 1.6;
  max-width: 90ch;
}
.fine--wide { max-width: none; font-size: 0.78rem; line-height: 1.7; }

/* ---- Header ---- */
.site-header {
  position: sticky; top: 0; z-index: 80;
  background: color-mix(in srgb, var(--ground) 90%, transparent);
  backdrop-filter: saturate(1.2) blur(12px);
  -webkit-backdrop-filter: saturate(1.2) blur(12px);
  border-bottom: 1px solid transparent;
  transition: border-color 0.3s ease;
}
.site-header.is-stuck { border-bottom-color: var(--line); }
.site-header__in { display: flex; align-items: center; gap: 22px; height: 66px; }
.brand {
  display: flex; align-items: center; gap: 10px;
  font-weight: 600; letter-spacing: 0.15em; text-transform: uppercase;
  font-size: 0.85rem; text-decoration: none; color: var(--navy);
}
.brand .logo-mark { width: 26px; height: 26px; flex: none; }
.brand span { font-weight: 300; color: var(--muted); }
.logo-img { height: 40px; width: auto; display: block; }
.logo-img--footer { height: 44px; }
@media (max-width: 620px) { .logo-img { height: 34px; } }

.site-nav { margin-left: auto; display: flex; align-items: center; gap: 2px; }
.site-nav a {
  text-decoration: none; color: var(--muted);
  font-size: 0.82rem; letter-spacing: 0.05em; text-transform: uppercase; font-weight: 500;
  padding: 8px 13px; border-radius: 999px;
  transition: color 0.2s, background 0.2s;
}
.site-nav a:hover { color: var(--fg); }
.site-nav a.is-active { color: var(--accent); background: var(--accent-soft); }
.site-nav .btn { margin-left: 10px; }
.site-nav .btn--accent, .site-nav .btn--accent:hover { color: var(--accent-ink); }

.nav-toggle {
  display: none; margin-left: auto;
  border: 1px solid var(--line); background: transparent; color: var(--fg);
  width: 42px; height: 42px; border-radius: 999px; cursor: pointer;
  place-items: center; font-size: 18px; line-height: 1;
}

@media (max-width: 1020px) {
  .site-nav {
    display: none;
    position: absolute; top: 66px; left: 0; right: 0;
    flex-direction: column; align-items: stretch; gap: 0;
    background: var(--surface); border-bottom: 1px solid var(--line);
    padding: 12px 24px 22px;
    box-shadow: 0 30px 50px -30px rgba(22, 39, 63, 0.35);
  }
  .site-nav.is-open { display: flex; }
  .site-nav a { padding: 13px 6px; border-radius: 0; border-bottom: 1px solid var(--line); font-size: 0.95rem; }
  .site-nav a:last-of-type { border-bottom: 0; }
  .site-nav .btn { margin: 14px 0 0; justify-content: center; border-bottom: 0; }
  .nav-toggle { display: grid; }
}

/* ---- Buttons ---- */
.btn {
  display: inline-flex; align-items: center; gap: 9px; text-decoration: none;
  font-size: 0.95rem; font-weight: 500; padding: 13px 24px; border-radius: 999px;
  border: 1px solid transparent; cursor: pointer;
  transition: transform 0.15s ease, background 0.2s, border-color 0.2s, color 0.2s, box-shadow 0.2s;
}
.btn:hover { transform: translateY(-1px); }
.btn--accent { background: var(--accent); color: var(--accent-ink); box-shadow: 0 14px 30px -18px rgba(90, 150, 210, 0.9); }
.btn--accent:hover { background: color-mix(in srgb, var(--accent) 88%, black); }
.btn--dark { background: var(--navy); color: #EDF3F9; }
.btn--ghost { border-color: color-mix(in srgb, var(--fg) 35%, transparent); color: var(--fg); }
.btn--ghost:hover { border-color: var(--fg); }
.btn--onband { border-color: rgba(237, 243, 249, 0.45); color: var(--band-fg); }
.btn--onband:hover { border-color: var(--band-fg); }
.btn--sm { padding: 9px 17px; font-size: 0.82rem; }
.btn .arw { transition: transform 0.2s ease; }
.btn:hover .arw { transform: translateX(3px); }

/* ---- Cards & grid ---- */
.card {
  background: var(--surface); border: 1px solid var(--line);
  border-radius: var(--radius-m); padding: 28px; box-shadow: var(--card-shadow);
}
.grid { display: grid; gap: 20px; }
.g2 { grid-template-columns: repeat(2, 1fr); }
.g3 { grid-template-columns: repeat(3, 1fr); }
.g4 { grid-template-columns: repeat(4, 1fr); }
@media (max-width: 900px) { .g3, .g4 { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 620px) { .g2, .g3, .g4 { grid-template-columns: 1fr; } }

/* ---- Cinematic hero (home) ---- */
.hero-cine {
  position: relative; overflow: hidden;
  background: var(--navy-deep); color: var(--band-fg);
}
.hero-cine__bg {
  position: absolute; inset: 0; z-index: 0;
  width: 100%; height: 100%; object-fit: cover; object-position: center 62%;
}
.hero-cine__scrim {
  position: absolute; inset: 0; z-index: 1; pointer-events: none;
  background:
    radial-gradient(60% 85% at 18% 48%, rgba(6, 14, 24, 0.62), rgba(6, 14, 24, 0.30) 55%, transparent 100%),
    linear-gradient(90deg, rgba(6, 14, 24, 0.58) 0%, rgba(6, 14, 24, 0.40) 38%, rgba(6, 14, 24, 0.14) 70%, rgba(6, 14, 24, 0.04) 100%),
    linear-gradient(180deg, rgba(6, 14, 24, 0.34) 0%, transparent 28%, transparent 60%, rgba(6, 14, 24, 0.66) 100%);
}
.hero-cine::before {
  content: ""; position: absolute; inset: 0; z-index: 2; pointer-events: none;
  background:
    radial-gradient(58% 70% at 84% 8%, rgba(90, 150, 210, 0.09), transparent 62%),
    radial-gradient(70% 65% at 2% 108%, rgba(110, 131, 152, 0.08), transparent 62%);
}
.hero-cine::after {
  content: ""; position: absolute; left: 0; right: 0; bottom: 0; height: 1px;
  background: linear-gradient(90deg, transparent, rgba(90, 150, 210, 0.55), transparent);
}
.hero-cine__ghost {
  position: absolute; right: -4%; top: 50%; transform: translateY(-50%);
  width: clamp(340px, 46vw, 720px); opacity: 0.05; pointer-events: none; user-select: none;
}
.hero-cine::after { z-index: 3; }
.hero-cine__in { position: relative; z-index: 3; padding-block: clamp(72px, 11vw, 150px) clamp(48px, 7vw, 84px); }
.hero-cine .eyebrow { color: var(--accent); text-shadow: 0 1px 2px rgba(0, 0, 0, 0.55), 0 0 18px rgba(0, 0, 0, 0.35); }
.hero-cine h1 {
  font-size: var(--s4); font-weight: 275; color: #FFFFFF;
  max-width: 21ch; margin-top: 22px; line-height: 1.06;
  text-shadow: 0 1px 1px rgba(0, 0, 0, 0.50), 0 3px 10px rgba(0, 0, 0, 0.45), 0 18px 50px rgba(0, 0, 0, 0.40);
}
.hero-cine .sub {
  margin-top: 24px; color: rgba(255, 255, 255, 0.90); font-size: var(--s1);
  font-weight: 300; max-width: 52ch;
  text-shadow: 0 1px 2px rgba(0, 0, 0, 0.55), 0 8px 28px rgba(0, 0, 0, 0.40);
}
.hero-cine .hero-stats .n { color: #FFFFFF; text-shadow: 0 1px 2px rgba(0, 0, 0, 0.50), 0 10px 32px rgba(0, 0, 0, 0.40); }
.hero-cine .hero-stats .l { color: rgba(255, 255, 255, 0.78); text-shadow: 0 1px 2px rgba(0, 0, 0, 0.55); }
.hero-cine .hero-stats, .hero-cine .hero-stats > div { border-color: rgba(255, 255, 255, 0.22); }
.hero-cine .btn--onband { backdrop-filter: blur(6px); background: rgba(255, 255, 255, 0.08); }
.hero-cine .cta { margin-top: 34px; display: flex; gap: 12px; flex-wrap: wrap; }
.hero-stats {
  margin-top: clamp(48px, 7vw, 78px); display: grid; grid-template-columns: repeat(3, 1fr);
  border-top: 1px solid var(--band-line);
}
.hero-stats > div { padding: 26px 26px 0 0; border-left: 1px solid var(--band-line); padding-left: 26px; }
.hero-stats > div:first-child { border-left: 0; padding-left: 0; }
.hero-stats .n { font-size: clamp(1.9rem, 3.6vw, 3rem); font-weight: 275; color: var(--band-fg); line-height: 1; }
.hero-stats .l { font-size: var(--s-1); letter-spacing: 0.07em; text-transform: uppercase; color: var(--band-muted); margin-top: 8px; }
@media (max-width: 700px) {
  .hero-stats { grid-template-columns: 1fr; }
  .hero-stats > div { border-left: 0; padding-left: 0; padding-top: 18px; border-top: 1px solid var(--band-line); }
  .hero-stats > div:first-child { border-top: 0; padding-top: 26px; }
}

/* ---- Hero (split, used on interior pages) ---- */
.hero-wrap { position: relative; overflow: hidden; }
.hero-wrap::before {
  content: ""; position: absolute; inset: 0; pointer-events: none;
  background:
    radial-gradient(55% 60% at 88% 0%, rgba(90, 150, 210, 0.13), transparent 60%),
    radial-gradient(50% 55% at 0% 100%, rgba(110, 131, 152, 0.14), transparent 60%);
}
.hero { position: relative; display: grid; grid-template-columns: 1.12fr 0.88fr; gap: 44px; align-items: center; padding-block: clamp(56px, 8vw, 110px); }
.hero h1 { font-size: var(--s4); max-width: 16ch; }
.hero .sub { margin-top: 22px; color: var(--muted); font-size: var(--s1); max-width: 46ch; }
.hero .cta { margin-top: 30px; display: flex; gap: 12px; flex-wrap: wrap; }
.hero .hero-note { margin-top: 22px; font-size: 0.85rem; color: var(--muted); }
@media (max-width: 860px) { .hero { grid-template-columns: 1fr; } }

/* page hero (interior pages) */
.page-hero { background: var(--navy-deep); color: var(--band-fg); position: relative; overflow: hidden; }
.page-hero::before {
  content: ""; position: absolute; inset: 0; pointer-events: none;
  background:
    radial-gradient(60% 55% at 82% 0%, rgba(90, 150, 210, 0.22), transparent 60%),
    radial-gradient(70% 60% at 4% 100%, rgba(110, 131, 152, 0.18), transparent 62%);
}
.page-hero__in { position: relative; padding-block: clamp(64px, 9vw, 120px); }
.page-hero h1 { font-size: var(--s3); color: var(--band-fg); max-width: 22ch; margin-top: 14px; }
.page-hero .sub { margin-top: 18px; color: var(--band-muted); font-size: var(--s1); max-width: 56ch; }

/* ---- Imagery placeholders (until photography is supplied) ---- */
.ph {
  border-radius: var(--radius-m); position: relative; overflow: hidden;
  background: linear-gradient(135deg, color-mix(in srgb, var(--navy) 84%, black), color-mix(in srgb, var(--cool) 55%, var(--navy)));
  color: var(--band-muted); display: grid; place-items: center; text-align: center;
  padding: 20px; min-height: 200px;
}
.ph::after { content: ""; position: absolute; inset: 0; background: radial-gradient(70% 80% at 70% 18%, rgba(90, 150, 210, 0.26), transparent 60%); }
.ph span { position: relative; z-index: 1; font-size: 0.78rem; letter-spacing: 0.06em; text-transform: uppercase; max-width: 26ch; }
.ph--tall { min-height: 340px; }
.ph--short { min-height: 150px; }

/* ---- Real photography ---- */
.photo { position: relative; border-radius: var(--radius-m); overflow: hidden; margin: 0; box-shadow: var(--card-shadow); }
.photo img { display: block; width: 100%; height: 100%; object-fit: cover; }
.photo--43 { aspect-ratio: 4 / 3; }
.photo--tall { aspect-ratio: 4 / 5; }
.photo--wide { aspect-ratio: 21 / 9; border-radius: var(--radius-l); }
@media (max-width: 620px) { .photo--wide { aspect-ratio: 16 / 10; } }

.deal__img { display: block; width: 100%; height: 170px; object-fit: cover; background: var(--cool-soft); }

.person__photo { display: block; width: 100%; aspect-ratio: 1 / 1; object-fit: cover; object-position: center top; background: var(--cool-soft); }
.person__initials {
  width: 100%; aspect-ratio: 1 / 1; display: grid; place-items: center;
  background: linear-gradient(135deg, color-mix(in srgb, var(--navy) 84%, black), color-mix(in srgb, var(--cool) 55%, var(--navy)));
  color: rgba(237, 243, 249, 0.55); font-size: 3.4rem; font-weight: 275; letter-spacing: 0.06em;
}

/* ---- Stat components ---- */
.statcard {
  background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius-m);
  padding: 24px; box-shadow: var(--card-shadow);
}
.statcard .n { font-size: var(--s-stat); font-weight: 275; letter-spacing: -0.02em; line-height: 1; }
.statcard .l { font-size: var(--s-1); letter-spacing: 0.06em; text-transform: uppercase; color: var(--muted); margin-top: 8px; }

.statrow { display: grid; grid-template-columns: repeat(4, 1fr); gap: 30px; }
.statrow .n { font-size: var(--s-stat); font-weight: 275; color: var(--band-fg); line-height: 1; }
.statrow .l { font-size: var(--s-1); letter-spacing: 0.06em; text-transform: uppercase; color: var(--band-muted); margin-top: 10px; }
.statrow .foot { font-size: 0.72rem; color: var(--band-muted); opacity: 0.75; margin-top: 8px; }
@media (max-width: 760px) { .statrow { grid-template-columns: repeat(2, 1fr); gap: 28px; } }

/* trust bar */
.trustbar { border-bottom: 1px solid var(--line); background: var(--surface); }
.trustbar__in { display: grid; grid-template-columns: repeat(4, 1fr); }
.trust-item { padding: 26px 30px; border-left: 1px solid var(--line); }
.trust-item:first-child { border-left: 0; padding-left: 0; }
.trust-item .k {
  font-size: 0.66rem; font-weight: 600; letter-spacing: 0.16em; text-transform: uppercase;
  color: var(--accent);
}
.trust-item .v { font-size: 0.98rem; color: var(--fg); margin-top: 7px; line-height: 1.45; }
@media (max-width: 900px) {
  .trustbar__in { grid-template-columns: 1fr 1fr; }
  .trust-item { padding: 20px 24px; }
  .trust-item:nth-child(odd) { border-left: 0; padding-left: 0; }
  .trust-item:nth-child(n+3) { border-top: 1px solid var(--line); }
}
@media (max-width: 540px) {
  .trustbar__in { grid-template-columns: 1fr; }
  .trust-item { border-left: 0; padding: 16px 0; }
  .trust-item:nth-child(n+2) { border-top: 1px solid var(--line); }
}

/* regulatory footnotes: full-width, columned, quiet */
.footnotes {
  border-top: 1px solid var(--line);
  margin-top: clamp(36px, 5vw, 56px); padding-top: 22px;
  font-size: 0.78rem; line-height: 1.75; color: var(--muted);
}
.footnotes p { margin: 0 0 10px; break-inside: avoid; }
.footnotes p:last-child { margin-bottom: 0; }
@media (min-width: 880px) { .footnotes { columns: 2; column-gap: 56px; } }
.footnotes--band { border-top-color: var(--band-line); color: var(--band-muted); }
.footnotes__label {
  font-size: 0.64rem; font-weight: 600; letter-spacing: 0.16em; text-transform: uppercase;
  color: var(--accent); display: block; margin-bottom: 10px; column-span: all;
}

/* ---- Split cards (Investors / Borrowers) ---- */
.split-card { display: flex; flex-direction: column; gap: 14px; }
.split-card h3 { font-size: var(--s2); font-weight: 300; }
.split-card p { color: var(--muted); }
.split-card .btn { align-self: flex-start; margin-top: auto; }

/* ---- Steps ---- */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 0; border: 1px solid var(--line); border-radius: var(--radius-m); overflow: hidden; background: var(--surface); }
@media (max-width: 760px) { .steps { grid-template-columns: 1fr; } }
.step { padding: 28px; border-left: 1px solid var(--line); }
.step:first-child { border-left: 0; }
@media (max-width: 760px) { .step { border-left: 0; border-top: 1px solid var(--line); } .step:first-child { border-top: 0; } }
.step .num { font-size: var(--s2); color: var(--accent); font-weight: 300; }
.step h4 { font-size: var(--s1); font-weight: 400; margin: 10px 0 8px; }
.step p { color: var(--muted); font-size: 0.95rem; }

/* ---- Principles (values) ---- */
.principle { display: grid; grid-template-columns: 72px 1fr; gap: 20px; padding: 24px 0; border-top: 1px solid var(--band-line); align-items: baseline; }
.principle .num { font-size: var(--s2); color: var(--accent); font-weight: 300; }
.principle h4 { font-size: var(--s1); font-weight: 400; color: var(--band-fg); }
.principle p { color: var(--band-muted); margin-top: 6px; max-width: 62ch; }
.principle--light { border-top-color: var(--line); }
.principle--light h4 { color: var(--fg); }
.principle--light p { color: var(--muted); }
@media (max-width: 560px) { .principle { grid-template-columns: 1fr; gap: 6px; } }

/* ---- Calculator ---- */
.calc { display: grid; grid-template-columns: 1fr 1fr; gap: 0; border-radius: var(--radius-l); overflow: hidden; border: 1px solid var(--line); box-shadow: var(--card-shadow); }
@media (max-width: 760px) { .calc { grid-template-columns: 1fr; } }
.calc__in { padding: 32px; background: var(--surface); }
.calc__out { padding: 32px; background: var(--band-bg); color: var(--band-fg); display: flex; flex-direction: column; gap: 20px; }
.calc label { font-size: var(--s-1); letter-spacing: 0.08em; text-transform: uppercase; color: var(--muted); display: block; margin-bottom: 10px; font-weight: 600; }
.calc .amt { font-size: var(--s2); font-weight: 300; color: var(--fg); }
.calc input[type="range"] { width: 100%; accent-color: var(--accent); margin-top: 14px; }
.calc__field { margin-bottom: 24px; }
.calc__pills { display: flex; gap: 8px; flex-wrap: wrap; }
.calc__pill { border: 1px solid var(--line); background: transparent; color: var(--muted); padding: 8px 15px; border-radius: 999px; cursor: pointer; font-size: 0.85rem; transition: all 0.2s; }
.calc__pill.is-on { border-color: var(--accent); color: var(--accent); background: var(--accent-soft); }
.calc__big { font-size: var(--s-stat); font-weight: 275; color: var(--band-fg); line-height: 1; }
.calc__lbl { font-size: var(--s-1); letter-spacing: 0.08em; text-transform: uppercase; color: var(--band-muted); }
.calc__bars { display: flex; align-items: flex-end; gap: 6px; height: 90px; margin-top: auto; }
.calc__bars i { flex: 1; background: linear-gradient(var(--accent), color-mix(in srgb, var(--accent) 50%, transparent)); border-radius: 4px 4px 0 0; min-height: 6px; transition: height 0.5s ease; }

/* ---- Deals / transactions ---- */
.carousel { display: flex; gap: 18px; overflow-x: auto; padding-bottom: 12px; scroll-snap-type: x mandatory; }
.deal { flex: 0 0 300px; scroll-snap-align: start; border: 1px solid var(--line); border-radius: var(--radius-m); overflow: hidden; background: var(--surface); }
.deal .ph { border-radius: 0; min-height: 150px; }
.deal__body { padding: 20px; }
.deal__body h4 { font-size: 1.02rem; font-weight: 500; letter-spacing: -0.01em; line-height: 1.35; }
.deal__body .k { font-size: 0.7rem; letter-spacing: 0.1em; text-transform: uppercase; color: var(--accent); font-weight: 600; margin-bottom: 8px; }

/* ---- Team ---- */
.person { border: 1px solid var(--line); border-radius: var(--radius-m); overflow: hidden; background: var(--surface); box-shadow: var(--card-shadow); }
.person .ph { border-radius: 0; min-height: 230px; }
.person__b { padding: 20px; }
.person__b b { font-weight: 600; display: block; font-size: 1.05rem; letter-spacing: -0.01em; }
.person__b span { color: var(--accent); font-size: 0.8rem; letter-spacing: 0.08em; text-transform: uppercase; font-weight: 600; display: block; margin-top: 4px; }
.person__bio { color: var(--muted); font-size: 0.93rem; margin-top: 12px; }
.person__bio[hidden] { display: none; }
.person__more {
  background: none; border: 0; padding: 0; margin-top: 12px; cursor: pointer;
  color: var(--accent); font-size: 0.85rem; font-weight: 600; letter-spacing: 0.04em;
}

/* ---- FAQ ---- */
.faq { border-top: 1px solid var(--line); }
.faq__item { border-bottom: 1px solid var(--line); }
.faq__q {
  width: 100%; text-align: left; background: transparent; border: 0; cursor: pointer;
  color: var(--fg); font-size: var(--s1); font-weight: 400; padding: 22px 0;
  display: flex; justify-content: space-between; gap: 16px; align-items: center;
}
.faq__q .pm { color: var(--accent); flex: none; transition: transform 0.3s; font-weight: 300; font-size: 1.5rem; line-height: 1; }
.faq__q[aria-expanded="true"] .pm { transform: rotate(45deg); }
.faq__a { overflow: hidden; max-height: 0; transition: max-height 0.4s ease; }
.faq__a > div { color: var(--muted); padding-bottom: 26px; max-width: 74ch; }
.faq__a p { margin-bottom: 14px; }
.faq__a p:last-child { margin-bottom: 0; }
.faq__a ul { margin: 0 0 14px; padding-left: 22px; color: var(--muted); }
.faq__a li { margin-bottom: 8px; }

/* ---- Timeline (Our history) ---- */
.timeline { position: relative; }
.tl-item { display: grid; grid-template-columns: 120px 1fr; gap: 26px; padding: 30px 0; border-top: 1px solid var(--line); align-items: baseline; }
.tl-item .year { font-size: var(--s2); color: var(--accent); font-weight: 300; }
.tl-item h3 { font-size: var(--s1); font-weight: 400; }
.tl-item p { color: var(--muted); margin-top: 8px; max-width: 62ch; }
@media (max-width: 560px) { .tl-item { grid-template-columns: 1fr; gap: 8px; } }

/* ---- Definition rows (fund facts) ---- */
.factlist { display: grid; gap: 0; }
.factrow { display: flex; justify-content: space-between; gap: 16px; padding: 14px 0; border-bottom: 1px solid var(--line); }
.factrow:last-child { border-bottom: 0; }
.factrow span { color: var(--muted); }
.factrow b { font-weight: 500; text-align: right; }

/* ---- Lists ---- */
.checklist { margin: 0; padding: 0; list-style: none; display: grid; gap: 12px; }
.checklist li { display: flex; gap: 12px; align-items: baseline; font-size: 0.98rem; }
.checklist .mrk { color: var(--accent); flex: none; font-weight: 700; }

/* ---- Split panels (uneven two-column, collapses on mobile) ---- */
.split-uneven { display: grid; grid-template-columns: 1.4fr 1fr; gap: 26px; align-items: center; }
.split-uneven--top { align-items: start; gap: 44px; grid-template-columns: 1.2fr 0.8fr; }
@media (max-width: 760px) { .split-uneven, .split-uneven--top { grid-template-columns: 1fr; } }

/* ---- Note / callout ---- */
.note {
  border-left: 3px solid var(--accent); background: var(--accent-soft);
  padding: 18px 22px; border-radius: 0 var(--radius-s) var(--radius-s) 0;
  font-size: 0.94rem; color: var(--fg);
}
.note b { font-weight: 600; }

/* ---- CTA band ---- */
.ctaband {
  border-radius: var(--radius-l); overflow: hidden; position: relative;
  background: var(--band-bg); color: var(--band-fg);
  padding: clamp(40px, 6vw, 72px); text-align: center;
}
.ctaband::before { content: ""; position: absolute; inset: 0; background: radial-gradient(60% 80% at 50% 0%, rgba(90, 150, 210, 0.24), transparent 65%); }
.ctaband > * { position: relative; }
.ctaband h2 { font-size: var(--s3); max-width: 22ch; margin-inline: auto; color: var(--band-fg); }
.ctaband p { color: var(--band-muted); margin: 18px auto 28px; max-width: 52ch; }
.ctaband .cta { display: flex; gap: 12px; justify-content: center; flex-wrap: wrap; }

/* ---- Forms ---- */
.form { display: grid; gap: 16px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
@media (max-width: 560px) { .form-row { grid-template-columns: 1fr; } }
.field label { display: block; font-size: var(--s-1); letter-spacing: 0.08em; text-transform: uppercase; color: var(--muted); font-weight: 600; margin-bottom: 8px; }
.field input, .field select, .field textarea {
  width: 100%; padding: 13px 16px; border: 1px solid var(--line); border-radius: var(--radius-s);
  background: var(--ground); color: var(--fg); font-family: inherit; font-size: 0.98rem;
  transition: border-color 0.2s;
}
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--accent); }
.field textarea { min-height: 130px; resize: vertical; }

/* ---- Footer ---- */
.site-footer { background: var(--navy-deep); color: var(--band-muted); margin-top: clamp(56px, 8vw, 100px); }
.site-footer__in { padding-block: clamp(44px, 6vw, 70px) 34px; }
.site-footer__cols { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1.2fr; gap: 30px; }
@media (max-width: 860px) { .site-footer__cols { grid-template-columns: 1fr 1fr; } }
@media (max-width: 520px) { .site-footer__cols { grid-template-columns: 1fr; } }
.site-footer h5 { font-size: 0.72rem; letter-spacing: 0.14em; text-transform: uppercase; color: var(--band-fg); font-weight: 600; margin: 0 0 14px; }
.site-footer a { color: var(--band-muted); font-size: 0.9rem; text-decoration: none; display: block; margin-bottom: 9px; transition: color 0.2s; }
.site-footer a:hover { color: var(--band-fg); }
.site-footer p { color: var(--band-muted); font-size: 0.9rem; margin-bottom: 9px; }
.site-footer .brand { color: var(--band-fg); margin-bottom: 14px; }
.site-footer .disclaimer {
  font-size: 0.74rem; line-height: 1.75; opacity: 0.72;
  margin-top: clamp(34px, 5vw, 52px);
  border-top: 1px solid var(--band-line); padding-top: 26px;
}
@media (min-width: 880px) { .site-footer .disclaimer { columns: 2; column-gap: 56px; } }
.site-footer .legalrow {
  display: flex; flex-wrap: wrap; align-items: baseline; gap: 8px 26px;
  margin-top: 26px; padding-top: 20px; border-top: 1px solid var(--band-line); font-size: 0.78rem;
}
.site-footer .legalrow a { display: inline; margin: 0; }
.site-footer .copyright { font-size: 0.75rem; opacity: 0.6; margin: 0 0 0 auto; }

/* ---- Micro-interactions & finish ---- */
.split-card, .deal, .person, .statcard {
  transition: transform 0.25s ease, box-shadow 0.25s ease, border-color 0.25s ease;
}
.split-card:hover, .deal:hover, .person:hover {
  transform: translateY(-3px);
  border-color: color-mix(in srgb, var(--accent) 38%, var(--line));
  box-shadow: 0 1px 2px rgba(22, 39, 63, 0.05), 0 30px 55px -30px rgba(22, 39, 63, 0.4);
}
.deal { display: flex; flex-direction: column; }
.deal__img, .person__photo { transition: transform 0.6s ease; }
.deal:hover .deal__img, .person:hover .person__photo { transform: scale(1.04); }
.deal, .person { isolation: isolate; }
.deal .deal__body, .person .person__b { position: relative; background: var(--surface); z-index: 1; }
.photo img { transition: transform 0.7s ease; }
.photo:hover img { transform: scale(1.025); }

[id] { scroll-margin-top: 92px; }
::selection { background: var(--accent); color: #fff; }

/* ---- Reveal on scroll ---- */
.reveal { opacity: 0; transform: translateY(18px); transition: opacity 0.7s ease, transform 0.7s ease; }
.reveal.is-in { opacity: 1; transform: none; }

:focus-visible { outline: 2px solid var(--accent); outline-offset: 3px; border-radius: 3px; }

@media (prefers-reduced-motion: reduce) {
  * { scroll-behavior: auto !important; }
  .reveal { opacity: 1; transform: none; transition: none; }
  .btn:hover { transform: none; }
}