/* High Capital Group - site styles. Clean VSL system in the site's own navy / steel-blue brand. */
:root{
  --ink:#2a3751;          /* brand navy: headings, dark bands */
  --ink-deep:#1d2639;     /* footer */
  --text:#2b3140;
  --muted:#556074;
  --accent:#2f7896;       /* brand steel blue, darkened for readable white button text */
  --accent-2:#4b9aba;     /* brand button blue */
  --sky:#64b3d3;          /* brand sky blue: accent on navy */
  --accent-soft:#e4f1f7;
  --line:#d9e2ea;
  --bg:#fff;
  --tint:#f3f7fa;
  --on-dark:#c4d3e3;
  --r:14px; --r-lg:18px; --pill:999px;
  --shadow-cta:0 10px 24px rgba(47,120,150,.32);
  --shadow:0 1px 2px rgba(42,55,81,.05),0 10px 28px rgba(42,55,81,.08);
  --maxw:1180px;
  --hf:'Montserrat',system-ui,sans-serif;
  --bf:'Lato',system-ui,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font:18px/1.65 var(--bf);color:var(--text);background:var(--bg);-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:var(--accent)}
a:focus-visible,button:focus-visible,summary:focus-visible{outline:3px solid var(--sky);outline-offset:3px;border-radius:6px}
h1,h2,h3,h4{font-family:var(--hf);color:var(--ink);margin:0 0 .5em;letter-spacing:-.02em}
h1{font-size:54px;line-height:1.08;font-weight:600;letter-spacing:-.03em}
h2{font-size:40px;line-height:1.14;font-weight:600}
h3{font-size:22px;line-height:1.3;font-weight:700}
p{margin:0 0 1em}
.hi{color:var(--accent)}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}
.skip{position:absolute;left:-999px;top:0;background:#fff;padding:8px 14px;z-index:99}
.skip:focus{left:8px}
.ic{width:24px;height:24px;flex:none}

/* eyebrow */
.eyebrow{font:700 16px/1.3 var(--hf);text-transform:uppercase;letter-spacing:.12em;color:var(--muted);margin:0 0 14px}
.eyebrow--pill{display:inline-block;background:var(--accent-soft);color:#245f78;padding:8px 16px;border-radius:var(--pill)}
.eyebrow--dark{color:var(--sky)}
.lead{font-size:20px;line-height:1.6;color:var(--muted)}

/* buttons */
.btn{display:inline-flex;text-align:center;flex-wrap:wrap;max-width:100%;overflow-wrap:anywhere;align-items:center;justify-content:center;gap:10px;min-height:52px;padding:15px 30px;border-radius:var(--pill);background:var(--accent);color:#fff;font:700 18px/1.3 var(--hf);text-decoration:none;box-shadow:var(--shadow-cta);transition:background .15s,transform .15s;border:0;cursor:pointer}
.btn:hover{background:#286a85;transform:translateY(-1px)}
.btn .ic{width:20px;height:20px}
.btn--ghost{background:transparent;color:var(--ink);box-shadow:inset 0 0 0 2px var(--line)}
.btn--ghost:hover{background:#fff;box-shadow:inset 0 0 0 2px var(--ink)}
.btn--light{background:#fff;color:var(--ink);box-shadow:0 10px 24px rgba(0,0,0,.25)}
.btn--light:hover{background:var(--accent-soft)}
.btn--sm{min-height:44px;padding:10px 20px;font-size:16px;box-shadow:none}
.btn--lg{font-size:20px;padding:19px 46px;min-height:60px}
.btn--full{width:100%}
.btns{display:flex;flex-wrap:wrap;gap:14px;align-items:center}

/* header */
.hdr{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.hdr__in{display:flex;align-items:center;justify-content:space-between;min-height:76px;gap:20px}
.brand{display:inline-flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink)}
.brand__mark{display:grid;place-items:center;width:40px;height:40px;border-radius:11px;background:var(--ink);color:var(--sky)}
.brand__mark .ic{width:22px;height:22px}
.brand__name{font:600 20px/1 var(--hf);letter-spacing:-.01em;white-space:nowrap}
.brand__name b{font-weight:800}
.brand--light{color:#fff}
.brand--light .brand__mark{background:rgba(255,255,255,.1)}
.nav{display:flex;align-items:center;gap:6px}
.nav a:not(.btn){font:600 16px/1 var(--hf);color:var(--ink);text-decoration:none;padding:12px 12px;border-radius:8px}
.nav a:not(.btn):hover{background:var(--tint)}
.nav a[aria-current=page]{color:var(--accent);box-shadow:inset 0 -3px 0 var(--sky)}
.nav .btn{margin-left:8px}
.hdr__burger{display:none;width:48px;height:48px;border:0;background:transparent;border-radius:10px;cursor:pointer;padding:12px}
.hdr__burger span{display:block;height:2px;background:var(--ink);margin:5px 0;border-radius:2px}

/* bands */
.band{padding:88px 0}
.band--tint{background:var(--tint)}
.band--navy{background:var(--ink);color:var(--on-dark)}
.band--navy h1,.band--navy h2,.band--navy h3{color:#fff}
.band--navy .hi{color:var(--sky)}
.band--navy .lead{color:var(--on-dark)}
.band--chart{background:var(--ink) url(../img/band.webp) center bottom/cover no-repeat}
.center{text-align:center}
.narrow{max-width:780px;margin-left:auto;margin-right:auto}

/* hero */
.hero{background:linear-gradient(180deg,var(--tint),#fff);padding:72px 0 84px}
.hero__grid{display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:center}
.hero h1 .hi{display:block}
.hero__sub{font-size:22px;line-height:1.5;color:var(--muted);margin-bottom:28px}
.hero__img{border-radius:var(--r-lg);box-shadow:var(--shadow);overflow:hidden;background:#fff}
.stats{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:36px;padding-top:28px;border-top:1px solid var(--line)}
.stat b{display:block;font:800 30px/1.1 var(--hf);color:var(--ink)}
.stat span{display:block;font-size:16px;line-height:1.4;color:var(--muted);margin-top:6px}

/* cards */
.grid2{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.grid4{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:28px;box-shadow:var(--shadow)}
.card h3{margin-top:4px}
.card p:last-child{margin-bottom:0}
.card__ic{display:grid;place-items:center;width:52px;height:52px;border-radius:50%;background:var(--accent-soft);color:var(--accent);margin-bottom:16px}
.card--dark{background:rgba(255,255,255,.06);border-color:rgba(255,255,255,.12);box-shadow:none;color:var(--on-dark)}
.card--dark .card__ic{background:rgba(100,179,211,.15);color:var(--sky)}
.card__num{font:800 16px/1.3 var(--hf);color:var(--accent);letter-spacing:.1em;text-transform:uppercase;margin-bottom:10px}

/* split blocks */
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.split--rev>:first-child{order:2}
.pic{border-radius:var(--r-lg);overflow:hidden;box-shadow:var(--shadow)}
.ticks{list-style:none;padding:0;margin:0 0 24px}
.ticks li{position:relative;padding-left:38px;margin:0 0 12px}
.ticks li::before{content:"";position:absolute;left:0;top:3px;width:24px;height:24px;border-radius:50%;background:var(--accent) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M6 12l4 4 8-8'/%3E%3C/svg%3E") center/16px no-repeat}
.band--navy .ticks li::before{background-color:var(--sky)}

/* numbers band */
.numbers{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;margin-top:40px}
.number{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);border-radius:var(--r);padding:28px 20px;text-align:center}
.number .ic{color:var(--sky);width:30px;height:30px;margin:0 auto 12px}
.number b{display:block;font:800 44px/1 var(--hf);color:#fff}
.number span{display:block;margin-top:10px;font:700 16px/1.4 var(--hf);letter-spacing:.08em;text-transform:uppercase;color:var(--on-dark)}
.note{font-size:16px;line-height:1.55;color:var(--muted);background:var(--accent-soft);border-left:4px solid var(--accent);padding:14px 18px;border-radius:0 10px 10px 0}
.band--navy .note{background:rgba(255,255,255,.07);color:var(--on-dark);border-color:var(--sky)}

/* video */
.video{position:relative;max-width:820px;margin:36px auto 0;aspect-ratio:16/9;border-radius:var(--r-lg);overflow:hidden;background:#0e1422;box-shadow:0 24px 60px rgba(0,0,0,.35)}
.video img,.video iframe{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;border:0}
.video__play{position:absolute;left:50%;top:50%;transform:translate(-50%,-50%);width:84px;height:84px;border-radius:50%;border:0;background:var(--accent);color:#fff;display:grid;place-items:center;cursor:pointer;box-shadow:0 0 0 10px rgba(255,255,255,.18);transition:transform .15s}
.video__play:hover{transform:translate(-50%,-50%) scale(1.06)}
.video__play .ic{width:34px;height:34px;margin-left:4px}

/* quote */
.quote{margin:0;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:26px;box-shadow:var(--shadow)}
.quote__stars{color:#e0a83a;letter-spacing:3px;font-size:18px;margin-bottom:10px}
.quote blockquote{margin:0 0 18px;font-size:19px;line-height:1.6;color:var(--ink)}
.quote figcaption{display:flex;align-items:center;gap:12px;font-size:16px;color:var(--muted);line-height:1.35}
.quote figcaption b{color:var(--ink)}
.quote__av{display:grid;place-items:center;width:46px;height:46px;border-radius:50%;background:var(--ink);color:#fff;font:700 16px var(--hf)}
.quote--big{max-width:760px;margin:0 auto;text-align:center;padding:40px}
.quote--big blockquote{font-size:24px;font-family:var(--hf);font-weight:600;line-height:1.45}
.quote--big figcaption{justify-content:center}

/* steps */
.steps{counter-reset:s;list-style:none;padding:0;margin:0 0 28px}
.steps li{counter-increment:s;position:relative;padding:0 0 22px 64px}
.steps li::before{content:counter(s);position:absolute;left:0;top:-2px;width:44px;height:44px;border-radius:50%;background:var(--ink);color:#fff;display:grid;place-items:center;font:800 18px var(--hf)}
.steps h3{margin-bottom:4px}
.steps p{margin:0;color:var(--muted)}
.facts{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:8px}
.fact{background:#fff;border:1px solid var(--line);border-radius:12px;padding:18px}
.fact b{display:block;font:800 26px/1.1 var(--hf);color:var(--ink)}
.fact span{display:block;font-size:16px;color:var(--muted);margin-top:6px;line-height:1.4}

/* page hero (inside pages) */
.phero{background:var(--ink) url(../img/band.webp) center bottom/cover no-repeat;color:var(--on-dark);padding:64px 0 72px}
.phero h1{color:#fff;font-size:48px;margin-bottom:12px}
.phero h1 .hi{color:var(--sky)}
.phero__sub{font-size:20px;max-width:720px;margin:0}
.crumbs{font-size:16px;margin:0 0 22px;color:var(--on-dark)}
.crumbs a{color:#fff}

/* inside page layout */
.layout{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:48px;align-items:start}
.prose h2{font-size:34px;margin-top:8px}
.prose h3{margin-top:32px}
.prose p{max-width:70ch}
.prose .pic{margin:8px 0 32px}
.side{display:grid;gap:22px;position:sticky;top:100px}
.side__card{background:var(--tint);border:1px solid var(--line);border-radius:var(--r);padding:26px}
.side__card--cta{background:var(--ink);border-color:var(--ink);color:var(--on-dark)}
.side__card--cta h3{color:#fff;font-size:28px;margin-bottom:8px}
.side__card--cta p{font-size:18px}
.hl{list-style:none;margin:0;padding:0}
.hl li{display:flex;gap:14px;align-items:center;padding:12px 0;border-top:1px solid var(--line)}
.hl li:first-child{border-top:0;padding-top:0}
.hl b{font:700 26px/1 var(--hf);color:var(--accent);min-width:86px}
.hl span{font-size:16px;line-height:1.35;color:var(--ink)}
.mission{background:var(--ink);color:var(--on-dark);border-radius:var(--r-lg);padding:36px;margin:36px 0}
.mission h2{color:#fff;font-size:32px}
.mission p{font-size:21px;line-height:1.55;color:#fff;margin:0}

/* reasons */
.reasons{display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin-top:20px}

/* faq */
.faq{border:1px solid var(--line);border-radius:var(--r);background:#fff;margin:0 0 12px;box-shadow:0 1px 2px rgba(42,55,81,.04)}
.faq summary{list-style:none;cursor:pointer;padding:20px 56px 20px 22px;font:700 19px/1.45 var(--hf);color:var(--ink);position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:20px;top:50%;transform:translateY(-50%);width:30px;height:30px;border-radius:50%;background:var(--accent-soft);color:var(--accent);display:grid;place-items:center;font:700 22px/1 var(--hf)}
.faq[open] summary::after{content:"\2212"}
.faq__a{padding:0 22px 20px}
.faq__a p:last-child{margin-bottom:0}
.faq-group{font:700 16px/1.3 var(--hf);text-transform:uppercase;letter-spacing:.14em;color:var(--muted);margin:34px 0 14px}
.faq-group:first-child{margin-top:0}

/* region chooser */
.regions{display:grid;grid-template-columns:repeat(2,1fr);gap:26px;max-width:900px;margin:0 auto}
.region{display:block;text-decoration:none;color:var(--ink);background:#fff;border:2px solid var(--line);border-radius:var(--r-lg);overflow:hidden;box-shadow:var(--shadow);transition:border-color .15s,transform .15s}
.region:hover{border-color:var(--accent);transform:translateY(-3px)}
.region img{aspect-ratio:885/466;object-fit:cover;width:100%}
.region div{padding:22px 24px}
.region h2{font-size:26px;margin:0 0 6px}
.region p{margin:0;color:var(--muted)}
.region .more{display:inline-flex;align-items:center;gap:8px;margin-top:12px;font:700 17px var(--hf);color:var(--accent)}

/* contact */
.contact-cards{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}
.big-mail{font:800 26px/1.3 var(--hf);word-break:break-word}

/* final cta */
.cta{background-color:var(--ink);background-image:linear-gradient(120deg,var(--ink) 0%,#2c4263 60%,#33587a 100%)}
.cta__in{display:flex;align-items:center;justify-content:space-between;gap:40px}
.cta h2{font-size:44px}
.cta .lead{max-width:640px;margin:0}

/* footer */
.ftr{background:var(--ink-deep);color:var(--on-dark);padding:64px 0 32px;font-size:17px}
.ftr a{color:#fff;text-decoration:none}
.ftr a:hover{text-decoration:underline}
.ftr__grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:32px}
.ftr h4{color:#fff;font-size:16px;text-transform:uppercase;letter-spacing:.12em;margin-bottom:14px}
.ftr ul{list-style:none;margin:0;padding:0}
.ftr li{margin:0 0 8px}
.ftr__tag{margin-top:14px}
.ftr__risk{margin-top:44px;padding-top:24px;border-top:1px solid rgba(255,255,255,.12);font-size:16px;line-height:1.6;color:#aeb9c9}
.ftr__risk b{color:#fff}

/* phones and tablets */
@media (max-width:1020px){
  .nav{position:fixed;inset:76px 0 auto 0;flex-direction:column;align-items:stretch;background:#fff;border-bottom:1px solid var(--line);padding:12px 16px 20px;gap:2px;box-shadow:0 20px 40px rgba(42,55,81,.12);display:none}
  .nav.open{display:flex}
  .nav a:not(.btn){font-size:18px;padding:14px 12px}
  .nav a[aria-current=page]{box-shadow:inset 3px 0 0 var(--sky)}
  .nav .btn{margin:10px 0 0}
  .hdr__burger{display:block}
  .layout{grid-template-columns:1fr}
  .side{position:static}
  .grid4,.numbers{grid-template-columns:repeat(2,1fr)}
  .ftr__grid{grid-template-columns:1fr 1fr}
}
@media (max-width:820px){
  body{font-size:17px}
  h1{font-size:38px}
  h2{font-size:30px}
  .phero h1{font-size:36px}
  .prose h2,.mission h2{font-size:28px}
  .cta h2{font-size:34px}
  .band{padding:60px 0}
  .hero{padding:40px 0 56px}
  .wrap{padding:0 16px}
  .hero__grid,.split,.grid2,.grid3,.reasons,.regions,.contact-cards,.facts{grid-template-columns:1fr}
  .hero__grid{gap:32px}
  .split{gap:30px}
  .split--rev>:first-child{order:0}
  .stats{grid-template-columns:1fr 1fr 1fr;gap:12px}
  .stat b{font-size:24px}
  .stat span{font-size:16px}
  .hero__sub,.lead{font-size:19px}
  .cta__in{flex-direction:column;align-items:flex-start;gap:26px}
  .quote--big{padding:28px 22px}
  .quote--big blockquote{font-size:21px}
  .btns .btn{width:100%}
  .brand__name{font-size:18px}
}
@media (max-width:480px){
  .grid4,.numbers{grid-template-columns:1fr}
  .stats{grid-template-columns:1fr}
  .stat{display:flex;align-items:baseline;gap:14px}
  .stat span{margin:0}
  .ftr__grid{grid-template-columns:1fr}
  .number b{font-size:40px}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}
.cta .eyebrow--dark,.cta .hi{color:#9fd3ea}
/* Conversion pass 2026-11-07: promises next to buttons, proof line, phone Get Started bar */
.promises{list-style:none;margin:24px 0 0;padding:0;display:grid;gap:10px}
.promises li{display:flex;gap:10px;align-items:flex-start;font-size:18px;line-height:1.45;color:var(--ink)}
.promises svg{flex:0 0 22px;width:22px;height:22px;color:var(--accent);margin-top:1px}
.promises--center{grid-template-columns:repeat(3,1fr);gap:18px;margin-top:32px}
.promises--dark{grid-template-columns:repeat(3,1fr);gap:18px;margin-top:30px;padding-top:26px;border-top:1px solid rgba(255,255,255,.15)}
.promises--dark li{color:#e6eef5}.promises--dark svg{color:#9fd3ea}
.verified{display:flex;flex-wrap:wrap;gap:6px 8px;align-items:center;font-size:18px;line-height:1.5;color:var(--muted);margin-top:18px}
.verified svg{width:20px;height:20px;color:#1f8a5b}
.verified a{font-weight:700;color:var(--accent)}.verified a svg{width:15px;height:15px;color:inherit;vertical-align:-2px}
.mbar{display:none}
@media (max-width:820px){
  .promises--center,.promises--dark{grid-template-columns:1fr}
  .mbar{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:50;gap:12px;align-items:center;justify-content:space-between;padding:10px 16px calc(10px + env(safe-area-inset-bottom));background:#fff;border-top:1px solid var(--line);box-shadow:0 -6px 20px rgba(42,55,81,.12);transform:translateY(110%);transition:transform .25s}
  .mbar.show{transform:none}
  .mbar span{font-size:16px;line-height:1.3;color:var(--ink);font-weight:700}
  .mbar .btn{width:auto;flex:0 0 auto;padding:12px 18px}
  body{padding-bottom:76px}
}
@media (max-width:820px){.promises li,.verified{font-size:17px}}

/* Sticky header never covers content: anchors land below it, and the first screen starts clear of it. */
html{scroll-padding-top:96px}
[id]{scroll-margin-top:96px}
main{position:relative;z-index:0}
@media (max-width:820px){html{scroll-padding-top:84px}[id]{scroll-margin-top:84px}.hero{padding-top:48px}}