:root{
  --navy:#0b243d;
  --navy2:#123a5c;
  --ink:#182434;
  --muted:#657184;
  --green:#088a56;
  --green2:#067247;
  --line:#e1e6eb;
  --paper:#f7f9fb;
  --white:#fff;
  --shadow:0 16px 38px rgba(9,34,57,.11);
  --serif: Georgia, "Times New Roman", serif;
  --sans: "Arial Narrow","Aptos Narrow","Helvetica Neue",Arial,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:var(--sans);color:var(--ink);background:#fff;line-height:1.45}
a{color:inherit}
img{max-width:100%;display:block}
.container{width:min(1180px,calc(100% - 40px));margin:auto}
.eyebrow{letter-spacing:.19em;text-transform:uppercase;font-size:.68rem;font-weight:800;color:var(--green)}
h1,h2,h3{font-family:var(--serif);line-height:1.08;color:var(--navy);margin:0 0 .55em}
h1{font-size:clamp(2.5rem,4.7vw,4.9rem);letter-spacing:-.026em}
h2{font-size:clamp(1.9rem,3.3vw,3rem);letter-spacing:-.018em}
h3{font-size:1.17rem}
p{margin:.25rem 0 1rem}
.muted{color:var(--muted)}
.small{font-size:.88rem}
.center{text-align:center}
.section{padding:72px 0}
.section-head{max-width:780px;margin:0 auto 40px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.55rem;text-decoration:none;border:0;border-radius:7px;padding:.88rem 1.2rem;font-weight:800;cursor:pointer;transition:.2s ease;font-family:inherit;font-size:.93rem}
.btn-primary{background:var(--green);color:#fff;box-shadow:0 8px 20px rgba(6,139,88,.22)}
.btn-primary:hover{background:var(--green2);transform:translateY(-1px)}
.btn-secondary{background:transparent;color:#fff;border:1px solid rgba(255,255,255,.8)}
.btn-outline{background:transparent;color:var(--navy);border:1px solid #bfc9d3}
.btn-outline:hover{border-color:var(--green);color:var(--green)}
.btn-row{display:flex;gap:.75rem;flex-wrap:wrap}

/* Header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.99);backdrop-filter:blur(10px);border:0;box-shadow:none}
.nav{height:72px;display:flex;align-items:center;justify-content:space-between;gap:22px}
.brand img{width:225px;height:auto;border:0;outline:0;max-width:100%}
.nav-links{display:flex;align-items:center;gap:20px}
.nav-links a{text-decoration:none;font-weight:700;font-size:.86rem;color:#203047;white-space:nowrap}
.nav-links a:hover{color:var(--green)}
.nav-toggle{display:none;background:none;border:0;font-size:1.5rem;color:var(--navy)}

/* Hero */
.hero{position:relative;isolation:isolate;min-height:535px;display:flex;align-items:center;color:#fff;background:url("assets/hero-dc.jpg") center center/cover no-repeat;overflow:hidden}
.hero:before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(3,18,33,.82) 0%,rgba(5,28,47,.61) 48%,rgba(7,24,40,.31) 100%);z-index:-1}
.hero .container{display:grid;grid-template-columns:minmax(0,1.25fr) minmax(285px,.75fr);gap:50px;align-items:center;padding:54px 0}
.hero h1,.hero h2,.hero h3{color:#fff}
.hero-copy{max-width:760px}
.hero-copy p{font-size:1.02rem;max-width:700px;color:#edf3f7}
.hero-card{background:rgba(6,22,38,.62);border:1px solid rgba(255,255,255,.16);backdrop-filter:blur(7px);padding:24px;border-radius:10px;box-shadow:var(--shadow)}
.hero-card .quote{font-family:var(--serif);font-size:1.52rem;font-style:italic;line-height:1.25}

/* Trust strip */
.trust-strip{background:var(--navy);color:#fff}
.trust-grid{display:grid;grid-template-columns:repeat(5,1fr)}
.trust-item{padding:20px 14px;text-align:center;border-right:1px solid rgba(255,255,255,.14)}
.trust-item:last-child{border-right:0}
.trust-item strong{display:block;font-family:var(--serif);font-size:1.34rem}
.trust-item span{font-size:.76rem;color:#d8e2eb}

/* Services — mockup style, no numbered cards */
.services-grid{display:grid;grid-template-columns:repeat(8,1fr);gap:0}
.service-item{text-align:center;padding:12px 16px 18px;border-right:1px solid #edf0f3}
.service-item:last-child{border-right:0}
.service-icon{width:42px;height:42px;margin:0 auto 12px;color:var(--navy)}
.service-icon svg{width:100%;height:100%;fill:none;stroke:currentColor;stroke-width:1.65;stroke-linecap:round;stroke-linejoin:round}
.service-item h3{font-family:var(--sans);font-size:.82rem;font-weight:800;color:var(--navy);margin-bottom:6px}
.service-item p{font-size:.74rem;line-height:1.35;color:var(--muted);margin:0}

/* Why us */
.why-grid{display:grid;grid-template-columns:1fr 1.1fr;align-items:stretch}
.why-image{min-height:430px;background:url("assets/office-fountain-pen.jpg") center/cover no-repeat}
.why-copy{padding:44px 48px;background:#fff}
.checks{display:grid;gap:9px;margin-top:18px}
.check{display:flex;gap:10px;align-items:flex-start;font-size:.9rem}
.check b{color:var(--green);font-size:1rem}

/* Private wealth */
.private{background:linear-gradient(135deg,#0a2239,#143b5a);color:#fff}
.private h2,.private h3{color:#fff}
.private .muted{color:#c8d6e1}
.private-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:46px;align-items:center}
.stat-row{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}
.stat{border:1px solid rgba(255,255,255,.14);border-radius:10px;padding:18px;background:rgba(255,255,255,.05)}
.stat strong{display:block;font-family:var(--serif);font-size:1.26rem}
.stat span{font-size:.76rem;color:#cfdae3}

/* Lender experience */
.institution-section{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line);overflow:hidden}
.institution-head{padding:46px 0 20px}
.ticker-wrap{overflow:hidden;position:relative;padding:18px 0 36px}
.ticker-wrap:before,.ticker-wrap:after{content:"";position:absolute;top:0;bottom:0;width:80px;z-index:2;pointer-events:none}
.ticker-wrap:before{left:0;background:linear-gradient(90deg,#fff,rgba(255,255,255,0))}
.ticker-wrap:after{right:0;background:linear-gradient(270deg,#fff,rgba(255,255,255,0))}
.ticker{display:flex;width:max-content;gap:0;align-items:center;animation:marquee 42s linear infinite;will-change:transform}

.institution{font-family:"Helvetica Neue",Arial,sans-serif;font-size:1.02rem;font-weight:800;letter-spacing:-.02em;color:#808892;white-space:nowrap;opacity:.85}
.institution.private-bank{font-family:var(--serif);font-style:italic;font-weight:700}
@keyframes marquee{from{transform:translateX(0)}to{transform:translateX(-50%)}}

/* Request process */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.step{padding:18px 0;border-top:2px solid #dce4eb}
.step .num{font-family:var(--serif);font-size:1.7rem;color:var(--green);font-weight:700}

/* News */
.news-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.news-card{border:1px solid var(--line);border-radius:11px;padding:20px;background:#fff;min-height:190px;display:flex;flex-direction:column}
.news-card .source{font-size:.67rem;text-transform:uppercase;letter-spacing:.12em;color:var(--green);font-weight:800}
.news-card h3{margin-top:10px;font-size:1.1rem}
.news-card a{margin-top:auto;color:var(--green);font-weight:800;text-decoration:none;font-size:.86rem}
.insight-list{display:grid;gap:16px}
.insight{border-left:4px solid var(--green);padding:17px 20px;background:#fff;border-radius:0 11px 11px 0;box-shadow:0 6px 18px rgba(10,34,57,.04)}
.insight time{color:var(--muted);font-size:.78rem}
.tag{display:inline-flex;padding:.3rem .58rem;border-radius:999px;background:#eaf5ef;color:var(--green2);font-size:.68rem;font-weight:800}

/* CTA/footer */
.cta{background:linear-gradient(120deg,#071b2d,#0b2b47);color:#fff;padding:50px 0}
.cta h2{color:#fff}
.cta-inner{display:flex;align-items:center;justify-content:space-between;gap:30px}
.site-footer{background:#fff;border-top:1px solid var(--line);padding:38px 0 25px}
.footer-top{display:grid;grid-template-columns:1.15fr 1fr .95fr;gap:32px;align-items:start}
.footer-brand img{width:195px}
.footer-links{display:grid;grid-template-columns:repeat(2,1fr);gap:7px}
.footer-links a{text-decoration:none;color:#334255;font-weight:650;font-size:.85rem}
.footer-contact a{color:var(--green);font-weight:800;text-decoration:none}
.footer-bottom{margin-top:28px;padding-top:18px;border-top:1px solid var(--line);font-size:.74rem;color:var(--muted);display:flex;justify-content:space-between;gap:18px;flex-wrap:wrap}

/* Inner pages */
.page-hero{background:linear-gradient(120deg,#081f35,#123b5e);color:#fff;padding:66px 0}
.page-hero h1{color:#fff;font-size:clamp(2.4rem,4.6vw,4.2rem)}
.page-hero p{font-size:1rem;color:#dfe9f0;max-width:720px}
.form-shell{display:grid;grid-template-columns:1.25fr .75fr;gap:30px;align-items:start}
.form-card{border:1px solid var(--line);border-radius:16px;padding:28px;box-shadow:var(--shadow)}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.field{display:grid;gap:6px}
.field.full{grid-column:1/-1}
label{font-weight:800;color:#27364a;font-size:.84rem}
input,select,textarea{width:100%;border:1px solid #cbd5df;border-radius:7px;padding:.82rem .9rem;font:inherit;color:var(--ink);background:#fff}
input:focus,select:focus,textarea:focus{outline:2px solid rgba(6,139,88,.16);border-color:var(--green)}
textarea{min-height:125px;resize:vertical}
.notice{background:#eef7f2;border-left:4px solid var(--green);padding:14px 16px;border-radius:7px;font-size:.86rem}
.security-note{background:#f8fafc;border:1px solid #e2e8ef;border-radius:8px;padding:13px 15px;font-size:.8rem;color:#5f6d7c;margin-top:14px}
.contact-box{background:var(--paper);border:1px solid var(--line);border-radius:14px;padding:25px;position:sticky;top:94px}
.contact-box a{color:var(--green);font-weight:800;text-decoration:none;word-break:break-word}
.loading{padding:20px;border:1px dashed #bbc7d2;border-radius:12px;color:var(--muted);text-align:center}

@media(max-width:1100px){
  .services-grid{grid-template-columns:repeat(4,1fr)}
  .service-item:nth-child(4){border-right:0}
  .service-item:nth-child(-n+4){border-bottom:1px solid #edf0f3}
}
@media(max-width:980px){
  .nav-links{display:none;position:absolute;left:0;right:0;top:72px;background:#fff;padding:20px 24px;border-bottom:1px solid var(--line);box-shadow:0 14px 24px rgba(10,34,57,.08);flex-direction:column;align-items:flex-start}
  .nav-links.open{display:flex}
  .nav-toggle{display:block}
  .hero .container{grid-template-columns:1fr}
  .hero-card{max-width:530px}
  .trust-grid{grid-template-columns:repeat(2,1fr)}
  .trust-item{border-bottom:1px solid rgba(255,255,255,.14)}
  .why-grid,.private-grid,.form-shell{grid-template-columns:1fr}
  .why-image{min-height:360px}
  .steps{grid-template-columns:repeat(2,1fr)}
  .news-grid{grid-template-columns:1fr 1fr}
  .footer-top{grid-template-columns:1fr 1fr}
  .contact-box{position:static}
}
@media(max-width:640px){
  .container{width:min(100% - 28px,1180px)}
  .brand img{width:170px}
  .hero{min-height:auto}
  .hero .container{padding:42px 0}
  .hero-card{display:none}
  .section{padding:58px 0}
  .services-grid{grid-template-columns:repeat(2,1fr)}
  .service-item:nth-child(n){border-right:1px solid #edf0f3;border-bottom:1px solid #edf0f3}
  .service-item:nth-child(even){border-right:0}
  .service-item:nth-last-child(-n+2){border-bottom:0}
  .news-grid,.steps,.stat-row,.form-grid,.footer-top{grid-template-columns:1fr}
  .cta-inner{align-items:flex-start;flex-direction:column}
  .footer-links{grid-template-columns:1fr}
  .ticker{gap:36px;animation-duration:30s}
}
@media(prefers-reduced-motion:reduce){
  .ticker{animation:none;flex-wrap:wrap;width:auto;justify-content:center}
}

/* V3 */
.brand{border:0!important;outline:0!important}
.brand img{display:block;border:0!important;outline:0!important;box-shadow:none!important}
.about-preview{background:#fff}
.about-preview-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:46px;align-items:center}
.about-metrics{display:grid;grid-template-columns:repeat(2,1fr);gap:12px}
.about-metric{border:1px solid var(--line);border-radius:10px;padding:18px;background:#f9fbfc}
.about-metric strong{display:block;font-family:var(--serif);font-size:1.45rem;color:var(--navy)}
.about-metric span{font-size:.78rem;color:var(--muted)}
.about-story{max-width:800px}
.about-values{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.about-value{border:1px solid var(--line);border-radius:12px;padding:22px;background:#fff}
.about-value h3{margin-bottom:8px}
.office-panel{background:linear-gradient(135deg,#0b243d,#123a5c);color:#fff;border-radius:16px;padding:28px}
.office-panel h3,.office-panel h2{color:#fff}
.office-panel p{color:#d9e4ed}
.office-address{font-family:var(--serif);font-size:1.25rem;line-height:1.35;margin:12px 0}
.office-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:30px;align-items:center}
.institution-logo{display:flex;align-items:center;justify-content:center;min-width:210px;height:76px;padding:0 22px;opacity:1;flex:0 0 auto}
.institution-logo img{max-width:190px;max-height:48px;width:auto;height:auto;object-fit:contain;display:block;margin:0 auto}
@media(max-width:980px){
  .about-preview-grid,.office-grid{grid-template-columns:1fr}
  .about-values{grid-template-columns:1fr 1fr}
}
@media(max-width:640px){
  .brand img{width:185px}
  .about-metrics,.about-values{grid-template-columns:1fr}
}

.ticker{gap:0}.brand-strip{padding-top:8px}.hero-copy h1{max-width:760px}.topnav a{font-size:.96rem}

.ticker-group{display:flex;align-items:center;gap:34px;padding-right:34px;flex:0 0 auto}.institution-logo.wells img{max-width:178px;max-height:44px}.institution-logo.bofa img{max-width:220px;max-height:46px}.institution-logo.citi img{max-width:205px}@keyframes marquee{from{transform:translate3d(0,0,0)}to{transform:translate3d(-50%,0,0)}}

.footer-legal-note{margin-top:8px;text-align:center;font-size:.68rem;color:#8a94a2;line-height:1.4}