/* =========================================================================
   Fortis Crest — style.css v3  ("Structured / Editorial")

   Rebuilt from v2 after review: lighter surfaces, an explicit section rhythm
   (numbered rule → heading → content), and photography carrying the page
   rather than dark glass panels. Depth is now restrained: soft elevation and
   a single lift on hover, no tilted prisms.

   Layered on Bootstrap 5.3 grid (self-hosted). Everything below is the brand.
   ========================================================================= */

:root{
  --navy:#0B2545;
  --navy-2:#13345C;
  --steel:#456079;
  --copper:#C08A2E;
  --copper-lit:#E0AC55;
  --azure:#215FA8;
  --paper:#FFFFFF;
  --sand:#F6F4F0;
  --mist:#F1F5F9;
  --line:#E2E7EE;
  --line-2:#EDF1F6;
  --ink:#0D1B2A;
  --body:#40506380;
  --text:#42505F;
  --muted:#6D7C8C;

  --display:"IBM Plex Serif",Georgia,serif;
  --sans:"IBM Plex Sans",system-ui,-apple-system,"Segoe UI",Arial,sans-serif;
  --mono:"IBM Plex Mono",ui-monospace,Menlo,monospace;

  --r-sm:6px;
  --r:10px;
  --r-lg:16px;
  --e1:0 1px 2px rgba(13,27,42,.05);
  --e2:0 2px 6px rgba(13,27,42,.06), 0 10px 26px rgba(13,27,42,.07);
  --e3:0 8px 20px rgba(13,27,42,.09), 0 24px 56px rgba(13,27,42,.10);
  --ring:0 0 0 3px rgba(33,95,168,.35);
  --ease:cubic-bezier(.22,.61,.36,1);
}

*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;background:var(--paper);color:var(--text);font:400 1rem/1.7 var(--sans);-webkit-font-smoothing:antialiased;overflow-x:hidden}
img{max-width:100%;height:auto;display:block}
a{color:var(--azure);text-underline-offset:.2em}
a:hover{color:var(--navy)}
h1,h2,h3,h4{font-family:var(--display);font-weight:600;line-height:1.18;letter-spacing:-.012em;color:var(--ink);margin:0 0 .55em}
p{margin:0 0 1.1em}
ul,ol{margin:0 0 1.25em;padding-left:1.15em}
li{margin-bottom:.5em}
strong{color:var(--ink);font-weight:600}
button{cursor:pointer;font-family:inherit}
:focus-visible{outline:none;box-shadow:var(--ring);border-radius:4px}
[hidden]{display:none!important}

.wrap{width:100%;max-width:1200px;margin-inline:auto;padding-inline:1.25rem}
.wrap--narrow{max-width:780px}
@media (min-width:768px){.wrap{padding-inline:2rem}}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap;border:0}
.fine{font-size:.84rem;color:var(--muted);line-height:1.65}
.ic{width:22px;height:22px;display:block}
.skip{position:absolute;left:-9999px;top:0;z-index:400;background:var(--navy);color:#fff;padding:.85rem 1.2rem}
.skip:focus{left:0;top:0}

/* ------------------------------------------------------------------ logo */
.logo{display:inline-flex;align-items:center;gap:.7rem}
.logo-tile{flex:none;width:38px;height:38px;border-radius:9px;background:var(--navy);display:inline-flex;align-items:center;justify-content:center;transition:transform .3s var(--ease)}
.logo-tile svg{width:38px;height:38px}
.logo-tile rect{fill:#fff;opacity:.6}
.logo-tile .logo-bar-lead{fill:var(--copper);opacity:1}
.brand:hover .logo-tile{transform:translateY(-2px)}
.logo-word{display:flex;flex-direction:column;line-height:1.05}
.logo-word-1,.logo-word-2{font:600 .93rem/1.15 var(--sans);letter-spacing:.22em}
.logo-word-1{color:var(--ink)}
.logo-word-2{color:var(--copper);font-weight:400}
.logo--light .logo-tile{background:rgba(255,255,255,.1);box-shadow:inset 0 0 0 1px rgba(255,255,255,.18)}
.logo--light .logo-word-1{color:#fff}

/* --------------------------------------------------------------- buttons */
.btn{
  --bg:var(--navy);--fg:#fff;--bd:transparent;
  display:inline-flex;align-items:center;justify-content:center;gap:.5rem;
  min-height:52px;padding:.9rem 1.6rem;border:1px solid var(--bd);border-radius:var(--r-sm);
  background:var(--bg);color:var(--fg);font:500 .95rem/1 var(--sans);text-decoration:none;
  transition:transform .2s var(--ease),box-shadow .2s var(--ease),background .2s,border-color .2s;
}
.btn:hover{transform:translateY(-2px);box-shadow:var(--e2);color:var(--fg)}
.btn:active{transform:none}
.btn-primary{--bg:var(--navy)}
.btn-primary:hover{--bg:var(--navy-2)}
.btn-gold{--bg:var(--copper);--fg:#1A1206}
.btn-gold:hover{--bg:var(--copper-lit)}
.btn-outline{--bg:transparent;--fg:var(--navy);--bd:#C8D2DE}
.btn-outline:hover{--bd:var(--navy);--bg:rgba(11,37,69,.04)}
.btn-sm{min-height:44px;padding:.6rem 1.1rem;font-size:.88rem}
.btn-lg{min-height:58px;padding:1rem 2rem;font-size:1rem}
.btn-ghost{--bg:transparent;--fg:var(--azure);min-height:auto;padding:.2rem 0;border:0}
.btn-ghost::after{content:"";width:16px;height:1px;background:currentColor;transition:width .2s var(--ease)}
.btn-ghost:hover{transform:none;box-shadow:none}
.btn-ghost:hover::after{width:26px}
.btn-text{--bg:transparent;--fg:var(--navy);border:0;min-height:44px;text-decoration:underline}
.btn-text:hover{transform:none;box-shadow:none}
.on-dark .btn-outline,.hero .btn-outline,.cta-panel .btn-outline{--fg:#fff;--bd:rgba(255,255,255,.35)}
.on-dark .btn-outline:hover,.hero .btn-outline:hover,.cta-panel .btn-outline:hover{--bd:#fff;--bg:rgba(255,255,255,.1)}

/* ---------------------------------------------------------------- header */
.site-head{position:sticky;top:0;z-index:200;background:rgba(255,255,255,.94);backdrop-filter:blur(12px);-webkit-backdrop-filter:blur(12px);border-bottom:1px solid transparent;transition:border-color .3s,box-shadow .3s}
.site-head.is-stuck{border-bottom-color:var(--line);box-shadow:0 1px 20px rgba(13,27,42,.06)}
.site-head-inner{display:flex;align-items:center;gap:1rem;min-height:80px}
.brand{text-decoration:none}
.nav-toggle{margin-left:auto;display:inline-flex;align-items:center;gap:.6rem;min-height:44px;padding:.55rem .9rem;background:#fff;border:1px solid var(--line);border-radius:var(--r-sm);font:500 .85rem var(--sans);color:var(--ink)}
.nav-toggle-bars,.nav-toggle-bars::before,.nav-toggle-bars::after{content:"";display:block;width:18px;height:1.5px;background:var(--ink);transition:transform .28s var(--ease),background .2s}
.nav-toggle-bars{position:relative}
.nav-toggle-bars::before{position:absolute;top:-6px}
.nav-toggle-bars::after{position:absolute;top:6px}
.nav-toggle[aria-expanded="true"] .nav-toggle-bars{background:transparent}
.nav-toggle[aria-expanded="true"] .nav-toggle-bars::before{top:0;transform:rotate(45deg)}
.nav-toggle[aria-expanded="true"] .nav-toggle-bars::after{top:0;transform:rotate(-45deg)}
.nav{display:none;width:100%;order:3;padding-bottom:1.25rem}
.nav.is-open{display:block}
.nav-list{list-style:none;margin:0;padding:.5rem 0 0;display:flex;flex-direction:column}
.nav-list a{display:block;padding:.9rem 0;border-bottom:1px solid var(--line-2);color:var(--ink);text-decoration:none;font-weight:500}
.nav-list a[aria-current="page"]{color:var(--copper)}
.nav-tools{display:flex;align-items:center;gap:.7rem;padding-top:1.15rem;flex-wrap:wrap}
.lang{position:relative}
.lang-btn{display:inline-flex;align-items:center;gap:.45rem;min-height:44px;padding:.55rem .8rem;background:#fff;border:1px solid var(--line);border-radius:var(--r-sm);font:500 .82rem var(--mono);letter-spacing:.06em;color:var(--ink)}
.lang-btn:hover{border-color:var(--navy)}
.caret{width:0;height:0;border:4px solid transparent;border-top-color:currentColor;margin-top:3px}
.lang-menu{position:absolute;top:calc(100% + 8px);left:0;z-index:60;min-width:210px;margin:0;padding:.4rem;list-style:none;background:#fff;border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--e3)}
.lang-menu a{display:flex;justify-content:space-between;align-items:center;gap:.5rem;padding:.6rem .75rem;border-radius:var(--r-sm);color:var(--ink);text-decoration:none;font-size:.92rem}
.lang-menu a:hover{background:var(--mist)}
.lang-menu a[aria-current="true"]{color:var(--copper);font-weight:600}
.lang-soon{font:400 .68rem var(--mono);letter-spacing:.08em;text-transform:uppercase;color:var(--muted)}
@media (min-width:1100px){
  .nav-toggle{display:none}
  .nav{display:flex;align-items:center;gap:1.6rem;width:auto;order:0;margin-left:auto;padding:0}
  .nav-list{flex-direction:row;gap:1.5rem;padding:0}
  .nav-list li{margin:0}
  .nav-list a{position:relative;padding:.5rem 0;border:0;font-size:.93rem}
  .nav-list a::after{content:"";position:absolute;left:0;bottom:.1rem;width:100%;height:1.5px;background:var(--copper);transform:scaleX(0);transform-origin:right;transition:transform .28s var(--ease)}
  .nav-list a:hover::after,.nav-list a[aria-current="page"]::after{transform:scaleX(1);transform-origin:left}
  .nav-tools{padding-top:0}
}

/* ------------------------------------------------------------------ hero
   Full-bleed photograph, navy scrim, copy on the left. One idea, no glass. */
.hero{position:relative;isolation:isolate;background:var(--navy);color:rgba(255,255,255,.82)}
.hero-bg{position:absolute;inset:0;z-index:-2;overflow:hidden}
.hero-bg img{width:100%;height:100%;object-fit:cover;object-position:center 35%}
.hero::before{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(100deg,rgba(11,37,69,.96) 0%,rgba(11,37,69,.9) 42%,rgba(11,37,69,.55) 72%,rgba(11,37,69,.35) 100%)}
.hero h1{color:#fff}
.hero-inner{position:relative;padding-block:3.5rem 3.75rem;max-width:820px}
.hero-title{font-size:clamp(2.1rem,5vw,3.6rem);margin-bottom:.4em}
.hero-sub{font-size:clamp(1rem,1.35vw,1.15rem);color:rgba(255,255,255,.82);max-width:56ch;margin-bottom:2rem}
.hero-actions{display:flex;flex-wrap:wrap;gap:.8rem;margin:0}
.hero-note{margin:1.8rem 0 0;padding-top:1.3rem;border-top:1px solid rgba(255,255,255,.16);font-size:.85rem;color:rgba(255,255,255,.6);max-width:52ch}
@media (min-width:992px){.hero-inner{padding-block:6rem 6.5rem}.hero--page .hero-inner{padding-block:4.25rem}}
.hero--page .hero-title{font-size:clamp(1.9rem,3.8vw,2.9rem)}

/* Facts bar under the hero: the parameters that actually govern a request. */
.hero-facts{background:var(--navy-2);border-top:1px solid rgba(255,255,255,.12)}
.hero-facts ul{display:grid;gap:0;list-style:none;margin:0;padding:0}
@media (min-width:768px){.hero-facts ul{grid-template-columns:repeat(4,1fr)}}
.hero-facts li{margin:0;padding:1.15rem 0;border-bottom:1px solid rgba(255,255,255,.1)}
@media (min-width:768px){
  .hero-facts li{padding:1.35rem 1.75rem;border-bottom:0;border-left:1px solid rgba(255,255,255,.12)}
  .hero-facts li:first-child{padding-left:0;border-left:0}
}
.fact-k{display:block;font:500 .68rem/1 var(--mono);letter-spacing:.16em;text-transform:uppercase;color:var(--copper-lit);margin-bottom:.45rem}
.fact-v{display:block;font:600 1.16rem/1.2 var(--display);color:#fff}
.fact-n{display:block;font-size:.78rem;color:rgba(255,255,255,.55);margin-top:.25rem}

/* ------------------------------------------------------------- eyebrow -- */
.eyebrow{display:inline-flex;align-items:center;gap:.6rem;margin:0 0 1.1rem;font:500 .72rem/1 var(--mono);letter-spacing:.2em;text-transform:uppercase;color:var(--copper)}
.eyebrow::before{content:"";width:24px;height:1px;background:currentColor;opacity:.8}
.hero .eyebrow{color:var(--copper-lit)}

/* ----------------------------------------------------------- breadcrumbs */
.crumbs{background:#fff;border-bottom:1px solid var(--line-2)}
.crumbs ol{display:flex;flex-wrap:wrap;gap:.45rem;list-style:none;margin:0;padding:.9rem 0;font-size:.82rem;color:var(--muted)}
.crumbs li{margin:0}
.crumbs li+li::before{content:"";display:inline-block;width:12px;height:1px;background:var(--line);vertical-align:middle;margin-right:.45rem}
.crumbs a{color:var(--muted);text-decoration:none}
.crumbs a:hover{color:var(--ink)}
.crumbs [aria-current]{color:var(--ink)}

/* --------------------------------------------------------------- section */
.sec{padding-block:3.75rem}
@media (min-width:992px){.sec{padding-block:5.75rem}}
.sec--tint{background:var(--sand)}
.sec--mist{background:var(--mist)}
.sec--tight{padding-block:2rem}
.sec--cta{padding-block:3rem 4.5rem}
.sec-head{max-width:62ch;margin-bottom:2.5rem;padding-top:1.4rem;border-top:2px solid var(--ink)}
.sec-title{font-size:clamp(1.6rem,3vw,2.3rem)}
.sec-lead{color:var(--muted);font-size:1.04rem;margin-bottom:0}
.sec-actions{margin-top:1.75rem}
.bullets{list-style:none;padding:0}
.bullets li{position:relative;padding-left:1.5rem}
.bullets li::before{content:"";position:absolute;left:0;top:.78em;width:8px;height:2px;background:var(--copper)}

/* ------------------------------------------------------------- editorial */
.editorial{display:grid;gap:1.5rem}
.editorial .sec-head{margin-bottom:0}
.editorial-body>p:last-child{margin-bottom:0}
@media (min-width:992px){
  .editorial{grid-template-columns:minmax(0,5fr) minmax(0,7fr);gap:4rem;align-items:start}
  .editorial-head{position:sticky;top:112px}
  .editorial-body{font-size:1.03rem;max-width:66ch}
}

/* ----------------------------------------------------------------- cards */
.cards{display:grid;gap:1.5rem;list-style:none;margin:0;padding:0}
@media (min-width:640px){.cards{grid-template-columns:repeat(2,1fr)}}
@media (min-width:992px){.cards--3{grid-template-columns:repeat(3,1fr)}}
.card{position:relative;margin:0;padding:1.75rem 1.6rem;background:#fff;border:1px solid var(--line);border-radius:var(--r);transition:transform .25s var(--ease),box-shadow .25s var(--ease),border-color .25s}
.card:hover,.card:focus-within{transform:translateY(-3px);box-shadow:var(--e2);border-color:#CBD6E3}
.card-ic{display:inline-flex;align-items:center;justify-content:center;width:44px;height:44px;margin-bottom:1.1rem;border-radius:var(--r-sm);color:var(--copper);background:var(--sand)}
.card-title{font-size:1.14rem;margin-bottom:.45em}
.card-title a{color:var(--ink);text-decoration:none}
.card-title a::after{content:"";position:absolute;inset:0;border-radius:var(--r)}
.card-text{color:var(--muted);font-size:.95rem;margin-bottom:.9rem}
.card-points{list-style:none;padding:.85rem 0 0;margin:0 0 .9rem;border-top:1px solid var(--line-2);font-size:.85rem;color:var(--muted)}
.card-points li{position:relative;padding-left:.95rem;margin-bottom:.3em}
.card-points li::before{content:"";position:absolute;left:0;top:.62em;width:4px;height:4px;border-radius:50%;background:var(--copper)}
.card-more{display:inline-flex;align-items:center;gap:.4rem;font:500 .86rem var(--sans);color:var(--azure)}
.card-more::after{content:"";width:14px;height:1px;background:currentColor;transition:width .2s var(--ease)}
.card:hover .card-more::after{width:24px}

/* Photo cards: image on top, copy below. The main image workhorse. */
.pcards{display:grid;gap:1.75rem;list-style:none;margin:0;padding:0}
@media (min-width:640px){.pcards{grid-template-columns:repeat(2,1fr)}}
@media (min-width:992px){.pcards--3{grid-template-columns:repeat(3,1fr)}}
.pcard{position:relative;margin:0;background:#fff;border:1px solid var(--line);border-radius:var(--r);overflow:hidden;display:flex;flex-direction:column;transition:transform .25s var(--ease),box-shadow .25s var(--ease)}
.pcard:hover,.pcard:focus-within{transform:translateY(-4px);box-shadow:var(--e3)}
.pcard-media{position:relative;overflow:hidden;background:var(--mist)}
.pcard-media img{width:100%;aspect-ratio:3/2;object-fit:cover;transition:transform .6s var(--ease)}
.pcard:hover .pcard-media img{transform:scale(1.04)}
.pcard-tag{position:absolute;left:1rem;top:1rem;padding:.35rem .7rem;border-radius:100px;background:rgba(11,37,69,.88);color:#fff;font:500 .68rem/1 var(--mono);letter-spacing:.12em;text-transform:uppercase}
.pcard-body{padding:1.5rem 1.5rem 1.6rem;display:flex;flex-direction:column;flex:1}
.pcard-title{font-size:1.18rem;margin-bottom:.45em}
.pcard-title a{color:var(--ink);text-decoration:none}
.pcard-title a::after{content:"";position:absolute;inset:0}
.pcard-text{color:var(--muted);font-size:.95rem;margin-bottom:1rem}
.pcard-points{list-style:none;padding:.9rem 0 0;margin:0 0 1rem;border-top:1px solid var(--line-2);font-size:.85rem;color:var(--muted)}
.pcard-points li{position:relative;padding-left:.95rem;margin-bottom:.3em}
.pcard-points li::before{content:"";position:absolute;left:0;top:.62em;width:4px;height:4px;border-radius:50%;background:var(--copper)}
.pcard-more{margin-top:auto;display:inline-flex;align-items:center;gap:.4rem;font:500 .86rem var(--sans);color:var(--azure)}
.pcard-more::after{content:"";width:14px;height:1px;background:currentColor;transition:width .2s var(--ease)}
.pcard:hover .pcard-more::after{width:24px}

/* ----------------------------------------------------------------- split */
.split{display:grid;gap:2.25rem;align-items:center}
@media (min-width:992px){.split{grid-template-columns:1fr 1fr;gap:4.5rem}.split--flip .split-media{order:2}}
.split-media{position:relative}
.split-media img{width:100%;aspect-ratio:4/3;object-fit:cover;border-radius:var(--r);box-shadow:var(--e2)}
.split-media::after{content:"";position:absolute;left:-14px;bottom:-14px;width:96px;height:96px;border-left:2px solid var(--copper);border-bottom:2px solid var(--copper);border-radius:0 0 0 var(--r);z-index:-1}
.split--flip .split-media::after{left:auto;right:-14px;border-left:0;border-right:2px solid var(--copper);border-radius:0 0 var(--r) 0}

/* ------------------------------------------------------------------ band
   Full-width photograph with copy over a scrim. Used to break long pages. */
.band{position:relative;isolation:isolate;color:rgba(255,255,255,.85);background:var(--navy)}
.band-bg{position:absolute;inset:0;z-index:-2;overflow:hidden}
.band-bg img{width:100%;height:100%;object-fit:cover}
.band::before{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(95deg,rgba(11,37,69,.94),rgba(11,37,69,.72) 60%,rgba(11,37,69,.5))}
.band-inner{padding-block:4rem;max-width:640px}
@media (min-width:992px){.band-inner{padding-block:5.5rem}}
.band h2{color:#fff;font-size:clamp(1.6rem,3vw,2.2rem)}
.band p{color:rgba(255,255,255,.8)}
.band .bullets li::before{background:var(--copper-lit)}

/* ----------------------------------------------------------------- steps */
.steps{list-style:none;margin:0;padding:0;display:grid;gap:2rem}
@media (min-width:768px){.steps{grid-template-columns:repeat(2,1fr);gap:2.25rem 3rem}}
@media (min-width:1100px){.steps{grid-template-columns:repeat(3,1fr)}}
.step{position:relative;margin:0;padding-top:1.5rem;border-top:1px solid var(--line)}
.step::before{content:"";position:absolute;left:0;top:-1px;width:36px;height:2px;background:var(--copper)}
.step-n{display:block;margin-bottom:.75rem;font:500 .78rem/1 var(--mono);letter-spacing:.16em;color:var(--copper)}
.step-title{font-size:1.1rem;margin-bottom:.4em}
.step-text{color:var(--muted);font-size:.94rem;margin:0}

/* ------------------------------------------------------------- checklist */
.checklist{list-style:none;padding:0;margin:0}
.checklist li{display:flex;gap:.85rem;align-items:flex-start;margin:0;padding:.95rem 0;border-bottom:1px solid var(--line-2)}
.checklist .ic{width:19px;height:19px;color:var(--copper);flex:none;margin-top:.2rem}

/* ----------------------------------------------------------------- index */
.index{list-style:none;margin:0;padding:0;display:grid;border-top:1px solid var(--line)}
@media (min-width:768px){.index{grid-template-columns:repeat(2,1fr);column-gap:3rem}}
.index-row{position:relative;display:flex;gap:1rem;align-items:center;margin:0;padding:1.3rem .25rem;border-bottom:1px solid var(--line);transition:padding-left .25s var(--ease),background .25s}
.index-row:hover{padding-left:.9rem;background:linear-gradient(90deg,rgba(192,138,46,.07),transparent 60%)}
.index-ic{flex:none;width:40px;height:40px;display:inline-flex;align-items:center;justify-content:center;color:var(--copper);border:1px solid var(--line);border-radius:var(--r-sm);background:#fff}
.index-copy{display:flex;flex-direction:column;gap:.12rem;min-width:0}
.index-title{font:600 1rem/1.3 var(--display);color:var(--ink)}
.index-title a{color:inherit;text-decoration:none}
.index-title a::after{content:"";position:absolute;inset:0}
.index-text{font-size:.88rem;color:var(--muted)}
.index-go{flex:none;margin-left:auto;width:18px;height:8px;border-bottom:1.5px solid var(--line);border-right:1.5px solid var(--line);transform:skewX(45deg);transition:border-color .25s,transform .25s}
.index-row:hover .index-go{border-color:var(--copper);transform:skewX(45deg) translateX(4px)}

/* --------------------------------------------------------------- faq etc */
.faq{border-top:1px solid var(--line)}
.faq-item{border-bottom:1px solid var(--line)}
.faq-item summary{list-style:none;display:flex;justify-content:space-between;gap:1.25rem;align-items:baseline;padding:1.2rem 0;font:600 1.03rem/1.45 var(--display);color:var(--ink)}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary:hover{color:var(--azure)}
.faq-item summary::after{content:"";flex:none;width:11px;height:11px;margin-top:.45rem;border-right:1.5px solid var(--copper);border-bottom:1.5px solid var(--copper);transform:rotate(45deg);transition:transform .28s var(--ease)}
.faq-item[open] summary::after{transform:rotate(-135deg)}
.faq-a{padding-bottom:1.3rem;color:var(--muted);font-size:.96rem;max-width:74ch}
.faq-a p:last-child{margin-bottom:0}
.faq-group{margin-bottom:3.25rem}
.faq-group h2{font-size:1.3rem;padding-bottom:.4rem}

.notice{position:relative;padding:1.6rem 1.8rem;border-radius:var(--r);background:var(--sand);border:1px solid var(--line)}
.notice::before{content:"";position:absolute;left:0;top:1.6rem;bottom:1.6rem;width:3px;background:var(--copper)}
.notice-title{font-size:1.06rem;margin-bottom:.5em}
.notice p{font-size:.93rem;color:var(--muted)}
.notice p:last-child{margin-bottom:0}
.quote{margin:0;padding:2rem 0;border-block:1px solid var(--line)}
.quote p{font:400 1.28rem/1.5 var(--display);color:var(--ink)}
.quote cite{font:400 .85rem var(--mono);font-style:normal;color:var(--muted)}

/* ------------------------------------------------------------------- cta */
.cta-panel{position:relative;overflow:hidden;padding:2.5rem 1.8rem;border-radius:var(--r-lg);color:rgba(255,255,255,.82);background:var(--navy);display:grid;gap:1.9rem}
.cta-panel::after{content:"";position:absolute;right:-60px;top:-60px;width:260px;height:260px;border:1px solid rgba(255,255,255,.12);border-radius:50%}
.cta-title{color:#fff;font-size:clamp(1.45rem,2.6vw,2rem);margin-bottom:.4em}
.cta-text{color:rgba(255,255,255,.75);margin:0;max-width:52ch}
.cta-actions{display:flex;flex-wrap:wrap;gap:.8rem;margin:0;position:relative}
@media (min-width:992px){.cta-panel{grid-template-columns:1.5fr auto;align-items:center;padding:3.25rem}}

/* ----------------------------------------------------------------- legal */
.legal h2{font-size:1.22rem;margin-top:2.5rem;display:flex;gap:.6rem;align-items:baseline}
.legal .clause:first-of-type h2{margin-top:1.5rem}
.clause-n{font:500 .95rem var(--mono);color:var(--copper);flex:none}
.legal-updated{padding-bottom:1.25rem;border-bottom:1px solid var(--line);margin-bottom:1.75rem;font:400 .78rem var(--mono)}
.legal p,.legal li{font-size:.96rem}

/* ----------------------------------------------------------------- forms */
.form-grid{display:grid;gap:1.3rem}
.field label{display:block;font:500 .87rem var(--sans);color:var(--ink);margin-bottom:.4rem}
.req{color:var(--copper)}
.field input,.field select,.field textarea{width:100%;min-height:52px;padding:.85rem 1rem;background:#fff;border:1px solid var(--line);border-radius:var(--r-sm);font:400 .98rem var(--sans);color:var(--ink);transition:border-color .2s,box-shadow .2s}
.field textarea{min-height:150px;resize:vertical}
.field input:hover,.field select:hover,.field textarea:hover{border-color:#C3CEDC}
.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--azure);box-shadow:var(--ring);outline:none}
.field .hint{font-size:.81rem;color:var(--muted);margin:.35rem 0 0}
.field-error input,.field-error select,.field-error textarea{border-color:#B4462F;background:#FEF8F7}
.err{color:#96341F;font-size:.84rem;margin:.35rem 0 0;font-weight:500}
.consent{display:flex;gap:.8rem;align-items:flex-start}
.consent input{width:22px;height:22px;min-height:0;margin-top:.15rem;flex:none;accent-color:var(--azure)}
.consent label{margin:0;font-weight:400;font-size:.9rem;color:var(--muted)}
.hp{position:absolute;left:-9999px}
.alert{border-radius:var(--r);padding:1.2rem 1.35rem;margin-bottom:1.8rem;border:1px solid}
.alert-ok{background:#F2F8F4;border-color:#BEDCC7}
.alert-err{background:#FDF5F3;border-color:#EFCEC5}
.alert h2{font-size:1.05rem;margin-bottom:.35em}
.alert p:last-child,.alert ul:last-child{margin-bottom:0}

/* Fieldsets: the application form is grouped, not a wall of inputs. */
.fset{border:0;padding:0;margin:0 0 2.5rem}
.fset legend{padding:0;margin-bottom:1.4rem;width:100%}
.fset-n{display:block;font:500 .7rem/1 var(--mono);letter-spacing:.18em;text-transform:uppercase;color:var(--copper);margin-bottom:.5rem}
.fset-t{font:600 1.2rem/1.3 var(--display);color:var(--ink);display:block}
.fset-d{font-size:.9rem;color:var(--muted);margin:.4rem 0 0;max-width:62ch}
.grid-2{display:grid;gap:1.3rem}
@media (min-width:640px){.grid-2{grid-template-columns:1fr 1fr}}

.contact-layout{display:grid;gap:2.75rem}
@media (min-width:1100px){.contact-layout{grid-template-columns:1.3fr .7fr;gap:4rem;align-items:start}}
.panel{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:1.75rem}
.panel+.panel{margin-top:1.4rem}
.panel h2{font-size:1.1rem}
.panel--dark{background:var(--navy);border-color:transparent;color:rgba(255,255,255,.78)}
.panel--dark h2{color:#fff}
.panel--dark .detail-list li{border-color:rgba(255,255,255,.14);color:#fff}
.panel--dark .detail-list strong{color:rgba(255,255,255,.6)}
.detail-list{list-style:none;padding:0;margin:0}
.detail-list li{padding:.85rem 0;border-bottom:1px solid var(--line-2);font-size:.94rem;color:var(--ink);margin:0}
.detail-list li:last-child{border-bottom:0;padding-bottom:0}
.detail-list strong{display:block;font:500 .72rem/1 var(--mono);letter-spacing:.14em;text-transform:uppercase;color:var(--muted);margin-bottom:.4rem}

/* ------------------------------------------------------------- simulator */
.sim{display:grid;gap:2rem}
@media (min-width:992px){.sim{grid-template-columns:1.05fr .95fr;gap:3rem;align-items:start}}
.sim-controls{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:1.75rem}
.sim-field{margin-bottom:1.9rem}
.sim-field:last-child{margin-bottom:0}
.sim-top{display:flex;justify-content:space-between;align-items:baseline;gap:1rem;margin-bottom:.7rem}
.sim-top label{font:500 .87rem var(--sans);color:var(--ink);margin:0}
.sim-val{font:600 1.15rem/1 var(--display);color:var(--navy)}
.sim-range{width:100%;height:32px;-webkit-appearance:none;appearance:none;background:transparent;cursor:pointer}
.sim-range::-webkit-slider-runnable-track{height:4px;border-radius:2px;background:var(--line)}
.sim-range::-moz-range-track{height:4px;border-radius:2px;background:var(--line)}
.sim-range::-webkit-slider-thumb{-webkit-appearance:none;width:24px;height:24px;margin-top:-10px;border-radius:50%;background:var(--navy);border:3px solid #fff;box-shadow:var(--e2)}
.sim-range::-moz-range-thumb{width:24px;height:24px;border-radius:50%;background:var(--navy);border:3px solid #fff;box-shadow:var(--e2)}
.sim-range:focus-visible{box-shadow:none}
.sim-range:focus-visible::-webkit-slider-thumb{box-shadow:var(--ring)}
.sim-scale{display:flex;justify-content:space-between;font:400 .76rem var(--mono);color:var(--muted);margin-top:.45rem}
.sim-out{position:sticky;top:112px;border-radius:var(--r);overflow:hidden;box-shadow:var(--e3)}
.sim-out-head{background:var(--navy);color:#fff;padding:1.75rem}
.sim-out-label{font:500 .7rem/1 var(--mono);letter-spacing:.18em;text-transform:uppercase;color:var(--copper-lit);margin:0 0 .8rem}
.sim-monthly{font:600 clamp(2.2rem,5vw,3.1rem)/1 var(--display);color:#fff;margin:0}
.sim-unit{font-size:1rem;font-family:var(--sans);font-weight:400;color:rgba(255,255,255,.65);margin-left:.4rem}
.sim-field select{width:100%;min-height:52px;padding:.85rem 1rem;background:#fff;border:1px solid var(--line);border-radius:var(--r-sm);font:400 .98rem var(--sans);color:var(--ink);transition:border-color .2s,box-shadow .2s}
.sim-field select:hover{border-color:#C3CEDC}
.sim-field select:focus{border-color:var(--azure);box-shadow:var(--ring);outline:none}
.sim-field .hint{font-size:.81rem;color:var(--muted);margin:.45rem 0 0}
.sim-rows{background:#fff;border:1px solid var(--line);border-top:0;padding:.5rem 1.75rem 1.5rem}
.sim-row{display:flex;justify-content:space-between;gap:1rem;padding:.9rem 0;border-bottom:1px solid var(--line-2);font-size:.94rem}
.sim-row:last-of-type{border-bottom:0}
.sim-row dt{color:var(--muted);margin:0}
.sim-row dd{margin:0;font-weight:600;color:var(--ink);font-variant-numeric:tabular-nums}
.sim-actions{padding:0 1.75rem 1.75rem;background:#fff;border:1px solid var(--line);border-top:0;display:grid;gap:.7rem}
.sim-disclaimer{padding:1.25rem 1.75rem;background:var(--sand);border:1px solid var(--line);border-top:0;font-size:.82rem;color:var(--muted);line-height:1.6;margin:0}
.sim-noscript{margin-top:1.25rem}

/* ---------------------------------------------------------------- footer */
.site-foot{position:relative;background:var(--navy);color:rgba(255,255,255,.7);padding-block:3.75rem 2rem;font-size:.93rem}
.site-foot a{color:rgba(255,255,255,.74);text-decoration:none}
.site-foot a:hover{color:#fff}
.foot-top{display:grid;gap:2.75rem;padding-bottom:2.75rem;border-bottom:1px solid rgba(255,255,255,.12)}
@media (min-width:992px){.foot-top{grid-template-columns:1fr 2fr;gap:3.5rem}}
.foot-tag{margin:1.25rem 0 1.5rem;max-width:36ch;color:rgba(255,255,255,.58)}
.foot-contact,.foot-social{list-style:none;padding:0;margin:0}
.foot-contact li{display:flex;gap:.7rem;align-items:flex-start;margin-bottom:.65rem;font-size:.88rem}
.foot-ic{color:var(--copper-lit);flex:none}
.foot-ic .ic{width:17px;height:17px;margin-top:.15rem}
.foot-social{display:flex;gap:.6rem;margin-top:1.3rem}
.foot-social li{margin:0}
.foot-social a{display:inline-flex;align-items:center;min-height:40px;padding:.45rem .95rem;border:1px solid rgba(255,255,255,.18);border-radius:100px;font:500 .8rem var(--sans)}
.foot-social a:hover{border-color:var(--copper);background:rgba(192,138,46,.14)}
.foot-nav{display:grid;gap:2rem}
@media (min-width:560px){.foot-nav{grid-template-columns:repeat(2,1fr)}}
@media (min-width:992px){.foot-nav{grid-template-columns:repeat(5,1fr);gap:1.25rem}}
.foot-col ul{list-style:none;padding:0;margin:0}
.foot-col li{margin-bottom:.55rem;font-size:.88rem}
.foot-title{font:500 .72rem/1 var(--mono);letter-spacing:.18em;text-transform:uppercase;color:var(--copper-lit);margin-bottom:1.1rem}
.foot-disclaimer{padding-block:2.25rem;border-bottom:1px solid rgba(255,255,255,.12)}
.foot-disclaimer p{font-size:.83rem;line-height:1.75;color:rgba(255,255,255,.56);max-width:100ch}
.foot-disclaimer .fine{color:rgba(255,255,255,.42);font-family:var(--mono);font-size:.75rem}
.foot-bottom{display:flex;flex-wrap:wrap;gap:1.2rem;justify-content:space-between;align-items:center;padding-top:1.85rem}
.copyright{margin:0;font-size:.85rem;color:rgba(255,255,255,.55)}
.foot-lang select{min-height:44px;padding:.55rem .8rem;background:rgba(255,255,255,.06);color:rgba(255,255,255,.85);border:1px solid rgba(255,255,255,.2);border-radius:var(--r-sm);font:400 .86rem var(--sans)}
.foot-lang select option{color:var(--ink)}
.foot-credit{margin:1.4rem 0 0;font:400 .74rem var(--mono);color:rgba(255,255,255,.32)}
.foot-credit a{color:rgba(255,255,255,.45);text-decoration:underline}

/* ---------------------------------------------------------- cookie bar -- */
.cc{position:fixed;left:0;right:0;bottom:0;z-index:300;background:#fff;border-top:2px solid var(--copper);box-shadow:0 -10px 40px rgba(13,27,42,.14)}
.cc-inner{max-width:1200px;margin-inline:auto;padding:1.4rem 1.25rem}
@media (min-width:768px){.cc-inner{padding:1.5rem 2rem}}
.cc-title{font-size:1.06rem;margin-bottom:.4em}
.cc-text{font-size:.9rem;color:var(--muted);max-width:82ch;margin-bottom:1.1rem}
.cc-prefs ul{list-style:none;padding:0;margin:0 0 1.2rem;display:grid;gap:.25rem}
@media (min-width:768px){.cc-prefs ul{grid-template-columns:repeat(3,1fr);gap:1.25rem}}
.cc-prefs li{padding:.85rem 0;border-top:1px solid var(--line);margin:0}
.cc-prefs label{display:flex;gap:.6rem;align-items:center;font:500 .92rem var(--sans);color:var(--ink);margin-bottom:.3rem}
.cc-prefs input{width:19px;height:19px;accent-color:var(--azure)}
.cc-actions{display:flex;flex-wrap:wrap;gap:.7rem}

/* ------------------------------------------------------------- animation */
.reveal{opacity:0;transform:translateY(18px);transition:opacity .6s var(--ease),transform .6s var(--ease)}
.reveal.is-in{opacity:1;transform:none}
.no-js .reveal{opacity:1;transform:none}

@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *,*::before,*::after{animation-duration:.001ms!important;transition-duration:.001ms!important}
  .reveal{opacity:1;transform:none}
}
@media print{
  .site-head,.site-foot,.cc,.hero-bg,.band-bg{display:none}
  body{background:#fff;color:#000}
  .sec{padding-block:1rem}
}

/* Application form: give the declarations block room and keep the submit
   button clear of the checkboxes above it. */
.fset .consent+.err{margin-top:-.6rem}
.fset .form-grid{gap:1.05rem}
.apply-submit{margin-top:2rem}
.bullets--flush{padding-left:0}

/* ------------------------------------------------------------- client area
   Sign-in and registration panels. Same components as the rest of the site;
   only the code input and the footer links are specific. */
.auth-panel{padding:2rem}
@media (min-width:768px){.auth-panel{padding:2.5rem}}
.auth-panel h2{font-size:1.35rem;margin-bottom:.4em}
.auth-panel>.fine{margin-bottom:1.75rem}
.auth-code-input{
  font:600 1.5rem/1 var(--mono);letter-spacing:.5em;text-align:center;
  padding-inline:1rem;
}
.auth-alt{display:flex;flex-wrap:wrap;gap:1.5rem;margin:1.25rem 0 0}
.auth-foot{margin:1.75rem 0 0;padding-top:1.5rem;border-top:1px solid var(--line-2);font-size:.92rem;color:var(--muted)}
.auth-foot a{font-weight:500}
.consent.field-error .err{margin-left:2.5rem}

/* Live estimate inside the application form. Indicative, so it is presented
   as a note rather than as a headline figure. */
.apply-estimate{
  display:flex;flex-wrap:wrap;align-items:baseline;gap:.5rem 1rem;
  padding:1.1rem 1.25rem;border-radius:var(--r);background:var(--sand);border:1px solid var(--line);
}
.apply-estimate-k{font:500 .7rem/1 var(--mono);letter-spacing:.14em;text-transform:uppercase;color:var(--muted);flex:1 0 100%}
.apply-estimate-v{font:600 1.4rem/1 var(--display);color:var(--navy);font-variant-numeric:tabular-nums}
.apply-estimate-n{font-size:.85rem;color:var(--muted)}
.apply-estimate-n::before{content:"·  ";color:var(--line)}