/* Virgin Financial Group: black / white / gray, classical serif look from the business card */
:root{
  --black:#0a0a0a;--soft:#333333;--soft2:#3a3a3a;--ink:#141414;--char:#1b1b1b;--g800:#2a2a2a;--g700:#444;--g600:#5c5c5c;--g500:#777;--g400:#9b9b9b;--g300:#c6c6c6;--g200:#e2e2e2;--g100:#f1f1f1;--g50:#f7f7f7;--white:#fff;
  --serif:'Tinos','Times New Roman',Times,serif;--body:'EB Garamond',Georgia,'Times New Roman',serif;--sans:'Arimo',Arial,Helvetica,sans-serif;
  --max:1180px;--radius:2px;--shadow:0 10px 30px rgba(0,0,0,.12);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:var(--body);font-size:20px;line-height:1.55;color:var(--ink);background:var(--white);-webkit-font-smoothing:antialiased}
img,svg{max-width:100%}
a{color:var(--black);text-decoration-thickness:1px;text-underline-offset:3px}
a:hover{color:var(--g600)}
h1,h2,h3,h4{text-wrap:balance;font-family:var(--serif);font-weight:400;line-height:1.12;margin:0 0 .5em;letter-spacing:-.01em;color:var(--black)}
h1{font-size:clamp(2.3rem,5.2vw,3.9rem)}
h2{font-size:clamp(1.8rem,3.4vw,2.6rem)}
h3{font-size:1.45rem}
p{margin:0 0 1em}
.container{width:min(100% - 40px,var(--max));margin-inline:auto}
.skip{position:absolute;left:-999px;top:0;background:#fff;color:#000;padding:10px 16px;z-index:9999}
.skip:focus{left:10px;top:10px}
:focus-visible{outline:3px solid #8a8a8a;outline-offset:3px}
.small{font-size:.82em;color:var(--g600)}
.kicker{font-family:var(--sans);font-size:.74rem;letter-spacing:.2em;text-transform:uppercase;color:var(--g500);margin:0 0 .9em}
.dark .kicker,.page-hero .kicker{color:#b8b8b8}
.todo{background:#ececec;border:1px dashed #888;padding:0 .35em;font-family:var(--sans);font-size:.8em}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5em;font-family:var(--sans);font-weight:700;font-size:.82rem;letter-spacing:.12em;text-transform:uppercase;text-decoration:none;
  padding:.95em 1.5em;border:2px solid var(--black);border-radius:var(--radius);cursor:pointer;line-height:1.1;transition:background .2s,color .2s,transform .2s;margin:.25em .35em .25em 0}
.btn-primary{background:var(--black);color:var(--white)}
.btn-primary:hover{background:#2c2c2c;color:#fff;transform:translateY(-1px)}
.btn-outline{background:transparent;color:var(--black)}
.btn-outline:hover{background:var(--black);color:var(--white)}
.dark .btn-primary,.page-hero .btn-primary{background:#fff;color:#000;border-color:#fff}
.dark .btn-primary:hover,.page-hero .btn-primary:hover{background:var(--g200);color:#000}
.dark .btn-outline,.page-hero .btn-outline{color:#fff;border-color:#fff}
.dark .btn-outline:hover,.page-hero .btn-outline:hover{background:#fff;color:#000}
.btn-block{width:100%;margin:0}
.btn svg{width:1.15em;height:1.15em}

/* top bar + header */
.topbar{background:var(--black);color:var(--g300);font-family:var(--sans);font-size:.74rem;letter-spacing:.08em}
.topbar .container{display:flex;justify-content:space-between;gap:16px;padding:8px 0;flex-wrap:wrap}
.topbar a{color:#fff;text-decoration:none}
.topbar .sep{opacity:.4;margin:0 .6em}
.site-header{position:sticky;top:0;z-index:60;background:var(--white);border-bottom:1px solid var(--g200)}
.site-header .container{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:92px;padding:8px 0}
.logo{display:block;background:var(--black);color:#fff;text-decoration:none;padding:9px 18px 8px;text-align:center;line-height:1;flex:none}
.logo:hover{color:#fff}
.logo b{display:block;font-family:var(--serif);font-weight:400;font-size:33px;letter-spacing:.01em}
.logo span{display:block;font-family:var(--sans);font-size:10.5px;letter-spacing:.07em;margin-top:2px}
.logo i{display:block;font-family:var(--body);font-size:12px;margin-top:5px;color:#ddd}
.nav{display:flex;align-items:center;gap:2px}
.nav>li{position:relative;list-style:none}
.nav,.nav ul{margin:0;padding:0}
.nav li{list-style:none}
.nav>li>.subtoggle{display:none}
.nav>li>a,.nav>li>button{font-family:var(--sans);font-size:.78rem;letter-spacing:.1em;text-transform:uppercase;text-decoration:none;color:var(--black);padding:12px 12px;display:block;background:none;border:0;cursor:pointer}
.nav>li>a:hover,.nav>li>button:hover,.nav>li.active>a{color:var(--g500)}
.nav .sub{position:absolute;left:0;top:100%;min-width:250px;background:#fff;border:1px solid var(--g200);box-shadow:var(--shadow);padding:8px 0;display:none}
.nav li:hover>.sub,.nav li:focus-within>.sub{display:block}
.nav .sub a{display:block;padding:9px 18px;text-decoration:none;font-family:var(--sans);font-size:.82rem;color:var(--ink)}
.nav .sub a:hover{background:var(--black);color:#fff}
.header-cta{display:flex;align-items:center;gap:6px;flex:none}
.header-cta .btn{padding:.8em 1.1em;margin:0}
.menu-toggle{display:none;background:none;border:2px solid var(--black);padding:9px 11px;cursor:pointer}
.menu-toggle span{display:block;width:22px;height:2px;background:var(--black);margin:4px 0}

/* hero */
.hero{position:relative;background:var(--soft);color:#fff;overflow:hidden}
.hero:before{content:"";position:absolute;inset:0;background:radial-gradient(circle at 90% 45%,rgba(255,255,255,.09),transparent 55%)}
.hero .col-art{right:0;transform:translateX(50%);height:122%;bottom:-6%;background:#f2f2f2;opacity:.8}   /* only the left half of the column shows */
.col-art{position:absolute;right:max(2vw,0px);bottom:-4%;height:116%;aspect-ratio:834/948;-webkit-mask:url(img/column.webp) center/contain no-repeat;mask:url(img/column.webp) center/contain no-repeat;background:#f2f2f2;opacity:.6;pointer-events:none}
.hero .container{position:relative;padding:92px 0 96px;display:grid;grid-template-columns:minmax(0,1.15fr) minmax(0,.85fr)}
.hero h1{color:#fff;margin-bottom:.35em;max-width:17ch}
.hero .sub{font-size:1.28rem;color:var(--g300);max-width:29em}
.hero .kicker{color:#b8b8b8}
.hero-cta{margin:26px 0 30px}
.hero .trust{max-width:34em}
.trust{display:flex;gap:26px;flex-wrap:wrap;margin:0;padding:0;list-style:none;font-family:var(--sans);font-size:.78rem;letter-spacing:.1em;text-transform:uppercase;color:var(--g300)}
.trust li:before{content:"";display:inline-block;width:7px;height:7px;background:#fff;margin-right:.6em;vertical-align:middle}

.hero-photo{align-self:end;justify-self:start;position:relative;z-index:2;margin:0 0 -96px clamp(-140px,-9.4vw,-44px)}
.hero-photo img{display:block;width:clamp(300px,31.5vw,490px);height:auto;filter:drop-shadow(0 22px 30px rgba(0,0,0,.5))}

/* carrier marquee */
.carriers{background:var(--char);color:#fff;border-top:1px solid #333;border-bottom:1px solid #333;padding:30px 0 34px;overflow:hidden}
.carriers h2{font-size:1.1rem;font-family:var(--sans);letter-spacing:.2em;text-transform:uppercase;text-align:center;color:var(--g300);margin-bottom:22px}
.marquee{display:flex;width:max-content;animation:scroll 55s linear infinite}
.marquee:hover{animation-play-state:paused}
.marquee .set{display:flex;align-items:center}
.carrier{display:inline-block;margin:0 38px;font-size:30px;line-height:1.1;white-space:nowrap;color:#f2f2f2;opacity:.92}
.carrier.more{font-family:var(--sans);font-size:.85rem;letter-spacing:.18em;text-transform:uppercase;color:var(--g400)}
@keyframes scroll{from{transform:translateX(0)}to{transform:translateX(-50%)}}

/* sections */
.sec{padding:84px 0}
.sec-light{background:var(--g50);border-top:1px solid var(--g200);border-bottom:1px solid var(--g200)}
.dark{background:var(--soft);color:#fff}
.dark h2,.dark h3{color:#fff}
.dark p{color:var(--g300)}
.sec-head{max-width:46em;margin:0 0 44px}
.center{text-align:center;margin-inline:auto}

/* quote cards */
.qgrid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px}
.qcard{background:#fff;border:1px solid var(--g200);padding:30px 28px 26px;display:flex;flex-direction:column;position:relative;transition:transform .2s,box-shadow .2s}
.qcard:before{content:"";position:absolute;left:0;top:0;height:3px;width:100%;background:var(--black)}
.qcard:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
.qcard .ico{width:54px;height:54px;background:var(--black);color:#fff;display:grid;place-items:center;border-radius:50%;margin-bottom:18px}
.qcard .ico svg{width:28px;height:28px}
.qcard h3{margin-bottom:.3em}
.qcard p{color:var(--g600);flex:1;font-size:.98em}
.qcard .more{font-family:var(--sans);font-size:.74rem;letter-spacing:.1em;text-transform:uppercase;margin:0 0 14px;display:inline-block}

/* feature lists */
.why{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:34px 60px}
.why div{border-top:1px solid #444;padding-top:18px}
.why h3{font-size:1.25rem}
.stat-row{display:grid;grid-template-columns:repeat(4,1fr);gap:0;margin:34px 0;border:1px solid var(--g300)}
.stat-row div{padding:22px 10px;text-align:center;border-right:1px solid var(--g300)}
.stat-row div:last-child{border:0}
.stat-row strong{display:block;font-family:var(--serif);font-size:2.4rem;line-height:1}
.stat-row span{font-family:var(--sans);font-size:.7rem;letter-spacing:.12em;text-transform:uppercase;color:var(--g600)}
.statsbar{background:#fff;border-bottom:1px solid var(--g200)}
.statsbar .stat-row{margin:0;border:0}
.statsbar .stat-row div{border-color:var(--g200);padding:26px 10px}
.founder{display:grid;grid-template-columns:minmax(0,.9fr) minmax(0,1.1fr);gap:56px;align-items:center}
.founder .plate{background:var(--soft2);color:#fff;padding:44px 34px;text-align:center;position:relative;overflow:hidden;min-height:340px;display:flex;flex-direction:column;justify-content:center}
.founder .plate .col-art{position:relative;height:auto;right:auto;bottom:auto;width:100%;opacity:.7;background:#f2f2f2;transform:translateX(-1.74%);margin:0 auto}   /* optically centred in the panel (the engraving's shaft sits right of its outline centre) */
.founder .plate>*{position:relative}
.founder .plate b{font-family:var(--serif);font-weight:400;font-size:3.4rem;line-height:1;display:block}
.founder .plate span{font-family:var(--sans);letter-spacing:.06em;font-size:1rem;display:block;margin-top:6px}
.founder .plate i{display:block;margin-top:14px;color:#ddd;font-size:1.05rem}

/* page hero + content */
.page-hero{position:relative;background:var(--soft);color:#fff;padding:64px 0 54px;overflow:hidden}
.page-hero .col-art{height:150%;right:2%;bottom:-40%;opacity:.44}
.page-hero .container{position:relative}
.page-hero h1{color:#fff;font-size:clamp(2.1rem,4.4vw,3.3rem);margin:0;max-width:20ch}
.crumbs{font-family:var(--sans);font-size:.72rem;letter-spacing:.08em;text-transform:uppercase;margin:0 0 20px;padding:0;list-style:none;display:flex;gap:8px;flex-wrap:wrap;color:var(--g400)}
.crumbs a{color:var(--g300);text-decoration:none}
.crumbs li+li:before{content:"/";margin-right:8px;opacity:.5}
.content{padding:64px 0 76px}
.layout{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:56px;align-items:start}
.prose{max-width:46em}
.layout .prose{max-width:none}
.prose h2{margin-top:1.5em;font-size:1.9rem}
.prose h3{margin-top:1.2em}
.prose .lead,.lead{font-size:1.32rem;line-height:1.5;color:var(--g800)}
ul.check,ol.steps{padding:0;margin:0 0 1.2em;list-style:none}
ul.check li{position:relative;padding:.35em 0 .35em 1.7em}
ul.check li:before{content:"";position:absolute;left:0;top:.82em;width:.95em;height:.5em;border-left:2px solid var(--black);border-bottom:2px solid var(--black);transform:rotate(-45deg) scale(.85);transform-origin:center}
ol.steps{counter-reset:s}
ol.steps li{counter-increment:s;position:relative;padding:.55em 0 .55em 3em;border-bottom:1px solid var(--g200)}
ol.steps li:before{content:counter(s);position:absolute;left:0;top:.62em;width:2em;height:2em;border-radius:50%;background:var(--black);color:#fff;display:grid;place-items:center;font-family:var(--sans);font-size:.8rem}
.aside{position:sticky;top:104px;display:grid;gap:20px}
.aside .box{border:1px solid var(--g300);padding:26px;background:#fff}
.aside .box.dark{background:var(--black);border-color:var(--black)}
.aside h3{font-size:1.35rem}
.aside .box.dark h3{color:#fff}
.aside ul{margin:0;padding:0;list-style:none}
.aside li{padding:.45em 0;border-bottom:1px solid var(--g200);font-size:.95em}
.aside li:last-child{border:0}
.aside .box.dark li{border-color:#333;color:var(--g300)}
.cards3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px;margin:18px 0 28px}
.card{border:1px solid var(--g200);padding:22px;background:#fff}
.card h3{font-size:1.2rem;margin-bottom:.35em}
.card p{font-size:.96em;margin:0;color:var(--g600)}
.values{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:24px;margin:24px 0 32px}
.values article{border-top:3px solid var(--black);padding-top:14px}
.team{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:28px;margin:30px 0 40px}
.person{border:1px solid var(--g200);padding:28px;text-align:center}
.person .monogram{width:92px;height:92px;margin:0 auto 16px;background:var(--black);color:#fff;font-family:var(--serif);font-size:2.1rem;display:grid;place-items:center}
.person .role{font-family:var(--sans);font-size:.72rem;letter-spacing:.14em;text-transform:uppercase;color:var(--g500)}
.person p{font-size:.96em;text-align:left}

/* FAQ */
details.faq{border:1px solid var(--g200);margin:0 0 10px;background:#fff}
details.faq summary{font-family:var(--serif);font-size:1.28rem;padding:16px 52px 16px 20px;cursor:pointer;position:relative;list-style:none}
details.faq summary::-webkit-details-marker{display:none}
details.faq summary:after{content:"+";position:absolute;right:20px;top:50%;transform:translateY(-50%);font-family:var(--sans);font-size:1.5rem}
details.faq[open] summary:after{content:"\2212"}
details.faq[open] summary{border-bottom:1px solid var(--g200)}
details.faq>div{padding:16px 20px 6px}

/* illustrations */
figure.photo{margin:28px 0;border:1px solid var(--g200);background:#fff}
figure.photo img,.gal img{display:block;width:100%;height:auto}
figure.photo figcaption{font-family:var(--sans);font-size:.72rem;letter-spacing:.1em;text-transform:uppercase;color:var(--g600);padding:10px 14px;border-top:1px solid var(--g200)}
.gallery{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px}
.gal{background:#fff;border:1px solid var(--g200);display:flex;flex-direction:column;margin:0}
.gal .body{padding:22px 24px 26px;display:flex;flex-direction:column;flex:1}
.gal h3{font-size:1.35rem}
.gal p{flex:1;color:var(--g600);font-size:.97em}
.gal .more{font-family:var(--sans);font-size:.74rem;letter-spacing:.1em;text-transform:uppercase}

/* related + disclaimers */
.related{display:flex;flex-wrap:wrap;gap:10px;margin:8px 0 0;padding:0;list-style:none}
.related a{display:block;border:1px solid var(--black);padding:8px 14px;font-family:var(--sans);font-size:.78rem;text-decoration:none;letter-spacing:.04em}
.related a:hover{background:var(--black);color:#fff}
.disclaimer{background:var(--g100);border-left:4px solid var(--black);padding:14px 18px;font-size:.88em;color:var(--g700);margin:28px 0 0}

/* blog */
.chips{display:flex;flex-wrap:wrap;gap:8px;margin:0 0 30px;padding:0;list-style:none}
.chips a{display:block;padding:8px 16px;border:1px solid var(--black);font-family:var(--sans);font-size:.76rem;letter-spacing:.1em;text-transform:uppercase;text-decoration:none}
.chips a:hover,.chips a.on{background:var(--black);color:#fff}
.postgrid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:24px}
.pcard{border:1px solid var(--g200);background:#fff;display:flex;flex-direction:column;text-decoration:none;color:inherit;transition:transform .2s,box-shadow .2s}
.pcard:hover{transform:translateY(-4px);box-shadow:var(--shadow);color:inherit}
.pcard .band{background:var(--black);color:#fff;padding:12px 22px;font-family:var(--sans);font-size:.7rem;letter-spacing:.16em;text-transform:uppercase;display:flex;justify-content:space-between}
.pcard .band span:last-child{color:var(--g400)}
.pcard div.body{padding:22px;flex:1;display:flex;flex-direction:column}
.pcard h3{font-size:1.3rem;margin-bottom:.4em}
.pcard p{color:var(--g600);font-size:.95em;flex:1}
.pcard .go{font-family:var(--sans);font-size:.74rem;letter-spacing:.12em;text-transform:uppercase}
.postmeta{font-family:var(--sans);font-size:.78rem;letter-spacing:.06em;color:var(--g600);margin:0 0 28px}
.article{max-width:46em}

/* carrier grid / portal */
.cgrid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px;margin:28px 0}
.cbox{border:1px solid var(--g200);padding:26px;text-align:center;background:#fff}
.cbox .carrier{margin:0 0 10px;color:#111;font-size:34px;opacity:1}
.cbox p{margin:0;font-size:.9em;color:var(--g600)}
.cbox small{display:block;font-family:var(--sans);font-size:.68rem;letter-spacing:.1em;color:var(--g500);margin-top:8px;text-transform:uppercase}
.portal-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:14px;margin:24px 0}
.portal{display:block;border:1px solid var(--black);padding:18px;text-decoration:none;font-family:var(--serif);font-size:1.2rem}
.portal span{display:block;font-family:var(--sans);font-size:.66rem;letter-spacing:.14em;text-transform:uppercase;color:var(--g500);margin-top:4px}
.portal:hover{background:var(--black);color:#fff}
.portal:hover span{color:var(--g300)}

/* map + hours */
.contact-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.1fr);gap:46px;align-items:start}
.contact-list{list-style:none;padding:0;margin:0 0 18px}
.contact-list li{display:flex;gap:18px;padding:12px 0;border-bottom:1px solid var(--g200)}
.contact-list strong{font-family:var(--sans);font-size:.72rem;letter-spacing:.14em;text-transform:uppercase;width:84px;flex:none;padding-top:.45em;color:var(--g500)}
.map-card{border:1px solid var(--g300);background:#fff}
.map-embed{position:relative;aspect-ratio:16/10;background:var(--g100)}
.map-embed iframe{position:absolute;inset:0;width:100%;height:100%;border:0;filter:grayscale(1) contrast(1.05)}
.map-ph{position:absolute;inset:0;display:grid;place-items:center;text-align:center;background:linear-gradient(#f3f3f3,#e6e6e6)}
.map-ph svg.grid{position:absolute;inset:0;width:100%;height:100%;opacity:.7}
.map-ph .pin{position:relative;z-index:1;background:#fff;border:1px solid var(--g300);padding:18px 22px;box-shadow:var(--shadow)}
.map-ph .pin b{display:block;font-family:var(--serif);font-size:1.15rem}
.map-bar{display:flex;flex-wrap:wrap;gap:6px;padding:14px;border-top:1px solid var(--g300);align-items:center;justify-content:space-between}
.hours{width:100%;border-collapse:collapse;font-family:var(--sans);font-size:.88rem;margin:6px 0 4px}
.hours td{padding:7px 0;border-bottom:1px solid var(--g200)}
.hours td:last-child{text-align:right}
.hours tr.today td{font-weight:700}
.open-now{font-family:var(--sans);font-size:.84rem;font-weight:700}
.open-now:before{content:"";display:inline-block;width:10px;height:10px;border-radius:50%;margin-right:8px;background:#999}
.open-now.open:before{background:#111;box-shadow:0 0 0 4px rgba(0,0,0,.14)}

.cols{columns:2;column-gap:44px}.cols li{break-inside:avoid}
.site-footer .areas{border-top:1px solid #222;margin-top:34px;padding-top:18px;font-size:.82rem;line-height:1.9;color:var(--g400)}
.site-footer .areas strong{color:#fff;letter-spacing:.14em;text-transform:uppercase;font-size:.7rem;margin-right:.6em}

/* darkish-blue backgrounds (home page) */
.blue{background:linear-gradient(180deg,#1e3c6a 0%,#112a4e 100%);color:#fff;border:0}
.blue .kicker,.blue .founder .kicker{color:#bcd0ec}
.blue .sec-head h2,.blue .founder h2,.blue .contact-grid h2{color:#fff}
.blue .sec-head p,.blue .sec-head .lead,.blue .lead,.blue .founder p{color:#e9f0fa}
.blue .contact-list strong{color:#c6d7ef}
.blue .contact-list a{color:#fff}
.blue .contact-list span{color:#e9f0fa}
.blue .contact-list li{border-bottom-color:rgba(255,255,255,.28)}
.blue .btn-primary{background:#fff;color:#0a0a0a;border-color:#fff}
.blue .btn-primary:hover{background:#dfe8f5;color:#0a0a0a}
.blue .btn-outline{color:#fff;border-color:#fff}
.blue .btn-outline:hover{background:#fff;color:#0a0a0a}
.blue .qcard .btn-primary,.blue .map-card .btn-primary{background:#0a0a0a;color:#fff;border-color:#0a0a0a}
.blue .qcard .btn-primary:hover,.blue .map-card .btn-primary:hover{background:#2c2c2c;color:#fff}
.blue .map-card .btn-outline{color:#0a0a0a;border-color:#0a0a0a}
.blue .map-card .btn-outline:hover{background:#0a0a0a;color:#fff}

/* veteran-owned highlight */
.flag{display:inline-block;vertical-align:-2px;box-shadow:0 0 0 1px rgba(0,0,0,.28);flex:none}
.topbar .vet{display:inline-flex;align-items:center;gap:8px;background:#fff;color:#0a0a0a;font-weight:700;letter-spacing:.14em;text-transform:uppercase;padding:3px 10px 3px 8px;border-radius:2px}
.vet-badge{display:inline-flex;align-items:center;gap:12px;background:#fff;color:#0a0a0a;padding:9px 18px 9px 12px;font-family:var(--sans);font-size:.8rem;letter-spacing:.16em;text-transform:uppercase;border-radius:2px;margin:0 0 22px;box-shadow:0 0 0 4px rgba(255,255,255,.18)}
.vet-badge strong{font-weight:700}.vet-badge em{font-style:normal;color:#5b5b5b}
.trust li.vet-li{color:#fff;font-weight:700}.trust li.vet-li:before{display:none}.trust li.vet-li .flag{margin-right:.45em}
.why .vet-card{border-top:3px solid #fff}.why .vet-card h3 .flag{margin-right:.4em;vertical-align:-3px}
.vet-foot{display:inline-flex;align-items:center;gap:9px;color:#fff;font-weight:700;letter-spacing:.14em;text-transform:uppercase;font-size:.76rem;border:1px solid #4a4a4a;padding:7px 12px;margin:0 0 14px}

/* CTA band */
.cta-band{background:var(--soft);color:#fff;text-align:center;padding:76px 0;position:relative;overflow:hidden}
.cta-band .col-art{height:200%;right:50%;transform:translateX(50%);bottom:-80%;opacity:.26;background:#f2f2f2}
.cta-band .container{position:relative}
.cta-band h2{color:#fff;font-size:clamp(1.9rem,3.6vw,2.8rem)}
.cta-band p{color:#ececec}

/* footer */
.site-footer{background:#050505;color:var(--g300);font-size:.92em;font-family:var(--sans)}
.site-footer .container{padding:58px 0 24px}
.fgrid{display:grid;grid-template-columns:1.3fr 1fr 1fr 1.2fr;gap:36px}
.site-footer h4{font-family:var(--sans);font-size:.72rem;letter-spacing:.2em;text-transform:uppercase;color:#fff;margin:0 0 14px}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer li{padding:4px 0}
.site-footer a{color:var(--g300);text-decoration:none}
.site-footer a:hover{color:#fff;text-decoration:underline}
.site-footer .logo{display:inline-block;border:1px solid #333;margin-bottom:14px}
.fine{border-top:1px solid #222;margin-top:40px;padding-top:20px;font-size:.78rem;color:var(--g500);line-height:1.6}

/* modal */
.modal{position:fixed;inset:0;z-index:200;display:none;align-items:flex-start;justify-content:center;background:rgba(0,0,0,.72);padding:24px 14px;overflow-y:auto}
.modal.show{display:flex}
.dialog{background:#fff;width:min(100%,600px);margin:auto;box-shadow:0 30px 80px rgba(0,0,0,.5);position:relative}
.dialog header{background:var(--black);color:#fff;padding:20px 56px 18px 26px}
.dialog header h2{color:#fff;font-size:1.7rem;margin:0}
.dialog header p{margin:4px 0 0;color:var(--g300);font-size:.95rem}
.dialog .x{position:absolute;right:12px;top:12px;width:38px;height:38px;border:0;background:transparent;color:#fff;font-size:30px;line-height:1;cursor:pointer}
.dialog form{padding:24px 26px 28px;display:grid;gap:14px}
.fld label{display:block;font-family:var(--sans);font-size:.7rem;letter-spacing:.14em;text-transform:uppercase;margin-bottom:5px;color:var(--g700)}
.fld input,.fld select{width:100%;font:inherit;font-size:1.02rem;padding:12px 13px;border:1px solid var(--g400);border-radius:var(--radius);background:#fff;color:#000}
.fld input:focus,.fld select:focus{outline:2px solid #000;border-color:#000}
.fld .err{color:#000;font-family:var(--sans);font-size:.78rem;margin-top:4px;display:none;font-weight:700}
.fld.bad input,.fld.bad select{border-color:#000;box-shadow:0 0 0 2px #bbb}
.fld.bad .err{display:block}
.pulse{position:relative;animation:pulse 1.8s infinite}
@keyframes pulse{0%{box-shadow:0 0 0 0 rgba(0,0,0,.55)}70%{box-shadow:0 0 0 16px rgba(0,0,0,0)}100%{box-shadow:0 0 0 0 rgba(0,0,0,0)}}
.form-note{font-size:.8rem;color:var(--g600);margin:0;font-family:var(--sans);text-align:center}
.chooser{display:none;padding:26px;text-align:center}
.chooser.show{display:block}
.chooser .to{background:var(--g100);padding:12px;margin:14px 0;font-family:var(--sans);font-size:.92rem;word-break:break-all}
.chooser .btn{width:100%;margin:6px 0}
.sent-ok{font-family:var(--sans);font-size:.85rem;margin-top:10px;display:none}

/* mobile bar */
.mbar{display:none}

@media (max-width:1060px){
  .menu-toggle{display:block}
  .nav{display:none;position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:1px solid var(--g200);flex-direction:column;align-items:stretch;padding:8px 20px 20px;max-height:75vh;overflow:auto}
  .nav.open{display:flex}
  .nav .sub{position:static;display:none;box-shadow:none;border:0;padding:0 0 6px 14px}
  .nav li:hover>.sub,.nav li:focus-within>.sub{display:none}
  .nav li.open>.sub{display:block}
  .nav>li{border-bottom:1px solid var(--g200)}
  .nav>li>.subtoggle{display:block;position:absolute;right:0;top:6px;width:44px;height:40px;border:1px solid var(--g300);background:#fff;font-family:var(--sans);font-size:1.3rem;cursor:pointer}
  .nav>li.open>.subtoggle{background:var(--black);color:#fff}
  .header-cta .btn-outline{display:none}
  .layout{grid-template-columns:1fr}.aside{position:static}
  .fgrid{grid-template-columns:1fr 1fr}
}
@media (max-width:860px){
  body{font-size:18.5px}
  .hero .container{grid-template-columns:1fr;padding:64px 0 70px}
  .hero-photo{justify-self:center;margin:30px 0 -70px}
  .hero-photo img{width:min(90%,350px)}
  .col-art{opacity:.3;height:90%;right:-20%}
  .hero .col-art{right:0;transform:translateX(50%);height:100%;bottom:0;opacity:.4}
  .qgrid,.cards3,.values,.team,.postgrid,.cgrid{grid-template-columns:1fr 1fr}
  .gallery{grid-template-columns:1fr}
  .why,.founder,.contact-grid{grid-template-columns:1fr}
  .stat-row{grid-template-columns:1fr 1fr}.stat-row div:nth-child(2){border-right:0}.stat-row div{border-bottom:1px solid var(--g300)}
  .portal-grid{grid-template-columns:1fr 1fr}
  .cols{columns:1}
  .sec{padding:60px 0}
  .carrier{font-size:24px;margin:0 26px}
}
@media (max-width:620px){
  .qgrid,.cards3,.values,.team,.postgrid,.cgrid,.fgrid{grid-template-columns:1fr}
  .topbar .hide-s{display:none}
  .topbar .container>span:first-child{display:none}
  .topbar .container{justify-content:center}
  .col-art{opacity:.2!important}
  .site-header .container{min-height:72px}
  .logo b{font-size:27px}.logo span{font-size:9px}.logo i{display:none}
  .header-cta .btn{padding:.7em .8em;font-size:.7rem}
  .mbar{display:grid;grid-template-columns:1fr 1fr;position:fixed;left:0;right:0;bottom:0;z-index:90;background:#000;border-top:1px solid #333}
  .mbar a,.mbar button{padding:15px 8px;color:#fff;text-align:center;font-family:var(--sans);font-weight:700;font-size:.78rem;letter-spacing:.12em;text-transform:uppercase;text-decoration:none;background:none;border:0;cursor:pointer}
  .mbar a{border-right:1px solid #333}
  body{padding-bottom:54px}
}
@media (prefers-reduced-motion:reduce){.marquee{animation:none;overflow-x:auto}.pulse{animation:none}html{scroll-behavior:auto}*{transition:none!important}}
@media print{.topbar,.site-header,.site-footer,.cta-band,.mbar,.modal,.aside,.btn{display:none!important}.page-hero{background:#fff;color:#000;padding:10px 0}.page-hero h1{color:#000}}