:root{--dark:#08131e;--deep:#0c1e30;--river:#0f2a40;--river-mid:#163550;--teal:#1a7fa8;--teal-light:#2799c8;--gold:#D4A84B;--gold-light:#ECC76A;--cream:#F5F1E8;--white:#ffffff;--mist:#8fa8be;--text-muted:#bccfdf;--radius:6px;--radius-lg:14px;--transition:.35s cubic-bezier(.4,0,.2,1)}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth}
body{font-family:'DM Sans',sans-serif;background:var(--dark);color:var(--cream);overflow-x:hidden;line-height:1.65}
::-webkit-scrollbar{width:5px}::-webkit-scrollbar-track{background:var(--dark)}::-webkit-scrollbar-thumb{background:var(--gold);border-radius:3px}
h1,h2,h3,h4{font-family:'Playfair Display',serif;line-height:1.15}
h1{font-size:clamp(2.4rem,5vw,4.5rem);font-weight:900}h2{font-size:clamp(1.5rem,2.5vw,2.2rem);font-weight:700}h3{font-size:1.1rem;font-weight:600}
p{font-weight:300}a{text-decoration:none;color:inherit}
.container{width:92%;max-width:1220px;margin:0 auto}
.eyebrow{display:inline-flex;align-items:center;gap:10px;font-size:.68rem;font-weight:700;letter-spacing:.22em;text-transform:uppercase;color:var(--gold);margin-bottom:1rem}
.eyebrow::before{content:'';width:26px;height:1.5px;background:var(--gold)}
.btn{display:inline-flex;align-items:center;gap:8px;padding:.85rem 2rem;border-radius:var(--radius);font-family:'DM Sans',sans-serif;font-size:.88rem;font-weight:700;cursor:pointer;border:none;transition:var(--transition)}
.btn-gold{background:var(--gold);color:var(--dark)}.btn-gold:hover{background:var(--gold-light);transform:translateY(-2px)}
.btn-outline{background:transparent;color:var(--white);border:1.5px solid rgba(255,255,255,.3)}.btn-outline:hover{border-color:var(--gold);color:var(--gold);transform:translateY(-2px)}
@keyframes shimmer{0%,100%{opacity:.6}50%{opacity:1}}
@keyframes ripple{0%{transform:scale(.8);opacity:.9}100%{transform:scale(2.2);opacity:0}}
@keyframes marquee{0%{transform:translateX(0)}100%{transform:translateX(-50%)}}
.reveal{opacity:0;transform:translateY(22px);transition:opacity .65s ease,transform .65s ease}.reveal.visible{opacity:1;transform:translateY(0)}
#top-bar{background:linear-gradient(90deg,var(--river-mid),var(--river),var(--river-mid));border-bottom:1px solid rgba(212,168,75,.2);padding:.52rem 0;font-size:.72rem;font-weight:600;overflow:hidden;position:relative;z-index:1000}
.top-bar-inner{display:flex;align-items:center;justify-content:space-between;gap:2rem}
.top-bar-ticker{overflow:hidden;flex:1}.top-bar-track{display:flex;gap:3rem;white-space:nowrap;animation:marquee 32s linear infinite}
.top-bar-track span{display:flex;align-items:center;gap:.5rem;color:var(--text-muted)}
.top-bar-track em{color:var(--gold);font-style:normal;font-weight:700}
.top-bar-right{display:flex;align-items:center;gap:1.2rem;flex-shrink:0}
.top-bar-right a{color:var(--gold);font-weight:700;display:flex;align-items:center;gap:.4rem}
.tb-badge{background:var(--gold);color:var(--dark);padding:.18rem .65rem;border-radius:100px;font-size:.65rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase}
#nav{position:sticky;top:0;z-index:999;padding:1rem 0;background:rgba(8,19,30,.6);backdrop-filter:blur(20px);transition:background .4s,padding .4s,box-shadow .4s}
#nav.scrolled{background:rgba(8,19,30,.97);padding:.65rem 0;box-shadow:0 2px 30px rgba(0,0,0,.7)}
.nav-inner{display:flex;align-items:center;justify-content:space-between;gap:2rem}
.nav-logo{display:flex;align-items:center;gap:12px}
.logo-emblem{width:42px;height:42px;border-radius:10px;background:linear-gradient(135deg,var(--gold),#a8771e);display:flex;align-items:center;justify-content:center;font-size:.65rem;font-weight:700;color:var(--dark);flex-shrink:0}
.logo-text .top{font-family:'Playfair Display',serif;font-size:1.25rem;font-weight:700;color:var(--white)}
.logo-text .sub{font-size:.58rem;letter-spacing:.2em;text-transform:uppercase;color:var(--gold);font-weight:600}
.nav-links{display:flex;align-items:center;gap:2rem;list-style:none}
.nav-links li{position:relative}
.nav-links a{font-size:.84rem;font-weight:500;color:var(--text-muted);transition:color .25s;position:relative}
.nav-links a::after{content:'';position:absolute;bottom:-3px;left:0;width:0;height:1.5px;background:var(--gold);transition:width .3s}
.nav-links a:hover,.nav-links a.active{color:var(--white)}.nav-links a:hover::after,.nav-links a.active::after{width:100%}
.has-dropdown>a{display:flex;align-items:center;gap:5px}
.has-dropdown>a::after{content:'';display:inline-block;width:0;height:0;border-left:4px solid transparent;border-right:4px solid transparent;border-top:4px solid currentColor;vertical-align:middle;opacity:.5;transition:transform .25s;flex-shrink:0;position:static}
.has-dropdown:hover>a::after{transform:rotate(180deg)}
.dropdown{position:absolute;top:calc(100% + 12px);left:50%;transform:translateX(-50%) translateY(-8px);background:rgba(8,19,30,.98);backdrop-filter:blur(20px);border:1px solid rgba(255,255,255,.1);border-radius:var(--radius-lg);padding:.6rem 0;min-width:230px;box-shadow:0 24px 60px rgba(0,0,0,.6);opacity:0;visibility:hidden;transition:opacity .25s,visibility .25s,transform .25s;z-index:997}
.has-dropdown:hover .dropdown{opacity:1;visibility:visible;transform:translateX(-50%) translateY(0)}
.dropdown a{display:flex;align-items:center;gap:.6rem;padding:.55rem 1.3rem;font-size:.8rem;font-weight:500;color:var(--text-muted);white-space:nowrap;transition:color .2s,background .2s}
.dropdown a::after{display:none}
.dropdown a:hover{color:var(--gold);background:rgba(212,168,75,.06)}
.dropdown-divider{height:1px;background:rgba(255,255,255,.06);margin:.4rem 0}
.dropdown-label{font-size:.64rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--mist);padding:.3rem 1.3rem;display:block}
.nav-right{display:flex;align-items:center;gap:1rem}
.nav-phone{display:flex;align-items:center;gap:6px;font-size:.82rem;font-weight:700;color:var(--gold)}
.hamburger{display:none;flex-direction:column;gap:5px;background:none;border:none;cursor:pointer;padding:4px}
.hamburger span{display:block;width:24px;height:2px;background:var(--white);border-radius:2px}
#mobile-menu{display:none;position:fixed;inset:0;z-index:998;background:var(--dark);padding:7rem 2rem 3rem;flex-direction:column;gap:.5rem}
#mobile-menu.open{display:flex}
#mobile-menu a{font-family:'Playfair Display',serif;font-size:1.8rem;color:var(--cream);padding:.8rem 0;border-bottom:1px solid rgba(255,255,255,.07)}
#mobile-menu a:hover{color:var(--gold)}
.page-hero{position:relative;min-height:65vh;display:flex;align-items:center;overflow:hidden}
.page-hero::after{content:'';position:absolute;bottom:0;left:0;right:0;height:140px;background:linear-gradient(to top,var(--dark),transparent)}
.accent-line{position:absolute;bottom:0;left:0;right:0;height:2px;background:linear-gradient(90deg,transparent,var(--teal),var(--gold),var(--teal),transparent);animation:shimmer 4s ease infinite;z-index:2}
.hero-bg{position:absolute;inset:0;background:linear-gradient(145deg,rgba(8,19,30,.97) 0%,rgba(8,19,30,.72) 55%,rgba(8,19,30,.95) 100%),url('/assets/images/editorial-1486325212027-8081e485255e-20261009.avif') center/cover no-repeat}
.hero-content{position:relative;z-index:2;padding:9rem 0 5rem;max-width:760px}
.breadcrumb{display:flex;align-items:center;gap:.5rem;font-size:.72rem;color:var(--mist);margin-bottom:1.8rem;flex-wrap:wrap}
.breadcrumb a{color:var(--mist);transition:color .25s}.breadcrumb a:hover{color:var(--gold)}.breadcrumb span{color:var(--gold)}
.hero-badge{display:inline-flex;align-items:center;gap:8px;background:rgba(26,127,168,.15);border:1px solid rgba(26,127,168,.4);padding:.4rem 1rem;border-radius:100px;font-size:.7rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--teal-light);margin-bottom:1.4rem}
.hero-content h1 em{font-style:italic;color:var(--gold)}
.hero-desc{font-size:clamp(1rem,1.6vw,1.12rem);color:var(--text-muted);max-width:600px;line-height:1.75;margin-bottom:2rem}
.hero-usps{display:flex;flex-direction:column;gap:.6rem;margin-top:2rem;padding-top:2rem;border-top:1px solid rgba(255,255,255,.07)}
.hero-usp{display:flex;align-items:center;gap:.7rem;font-size:.82rem;color:var(--text-muted)}
.hero-usp .tick{color:var(--gold);flex-shrink:0}
#trust{background:rgba(26,127,168,.08);border-top:1px solid rgba(26,127,168,.2);border-bottom:1px solid rgba(26,127,168,.2);padding:1.3rem 0}
.trust-inner{display:flex;align-items:center;justify-content:center;flex-wrap:wrap;gap:2.2rem}
.trust-item{display:flex;align-items:center;gap:7px;font-size:.8rem;font-weight:500;color:var(--text-muted)}
.section-head{text-align:center;margin-bottom:3rem}
.section-head h2{margin-bottom:.6rem}.section-head p{color:var(--mist);max-width:520px;margin:0 auto}
/* Who section */
.who-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.2rem;margin-top:2rem}
.who-card{background:rgba(255,255,255,.025);border:1px solid rgba(255,255,255,.07);border-radius:var(--radius-lg);padding:1.6rem;transition:var(--transition)}
.who-card:hover{border-color:rgba(212,168,75,.2);transform:translateY(-2px)}
.who-icon{font-size:1.8rem;margin-bottom:.7rem}
.who-card h3{font-size:1rem;margin-bottom:.4rem}
.who-card p{font-size:.83rem;color:var(--mist);line-height:1.65}
/* How it works */
.hiw-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1.2rem;margin-top:2rem}
.hiw-step{background:rgba(255,255,255,.025);border:1px solid rgba(255,255,255,.07);border-radius:var(--radius-lg);padding:1.6rem;text-align:center;transition:var(--transition);position:relative}
.hiw-step:not(:last-child)::after{content:'→';position:absolute;right:-1rem;top:50%;transform:translateY(-50%);color:var(--gold);font-size:1.2rem}
.hiw-num{font-family:'Playfair Display',serif;font-size:2rem;font-weight:900;color:var(--gold);line-height:1;margin-bottom:.5rem}
.hiw-step h3{font-size:.9rem;margin-bottom:.3rem}
.hiw-step p{font-size:.78rem;color:var(--mist)}
/* Funding box */
.funding-box{background:rgba(212,168,75,.06);border:1px solid rgba(212,168,75,.2);border-radius:var(--radius-lg);padding:2.2rem;margin:3rem 0}
.funding-box h2{margin-bottom:1rem}
.funding-types{display:grid;grid-template-columns:1fr 1fr;gap:1.5rem;margin-top:1.5rem}
.funding-type{background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.07);border-radius:var(--radius);padding:1.4rem}
.ft-badge{display:inline-flex;align-items:center;gap:6px;background:rgba(26,127,168,.15);border:1px solid rgba(26,127,168,.3);border-radius:100px;padding:.2rem .7rem;font-size:.65rem;font-weight:700;color:var(--teal-light);margin-bottom:.7rem}
.funding-type h3{font-size:.95rem;margin-bottom:.5rem}
.funding-type p{font-size:.83rem;color:var(--mist);line-height:1.65}
/* Services */
.svc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.4rem}
.svc-card{background:rgba(255,255,255,.025);border:1px solid rgba(255,255,255,.07);border-radius:var(--radius-lg);padding:2rem;transition:var(--transition)}
.svc-card:hover{border-color:rgba(26,127,168,.3);transform:translateY(-3px)}
.svc-icon{font-size:1.9rem;margin-bottom:.8rem}.svc-card h3{font-size:1rem;margin-bottom:.5rem}.svc-card p{font-size:.84rem;color:var(--mist);line-height:1.65}
/* FAQ */
.faq-section{padding:5rem 0;background:var(--deep)}
.faq-grid{display:grid;grid-template-columns:1fr 1.6fr;gap:5rem;align-items:start}
.faq-list{display:flex;flex-direction:column;gap:.6rem}
.faq-item{border:1px solid rgba(255,255,255,.07);border-radius:var(--radius);background:rgba(255,255,255,.025);overflow:hidden}
.faq-item.open{border-color:rgba(212,168,75,.25)}
.faq-q{width:100%;display:flex;align-items:center;justify-content:space-between;gap:1rem;padding:1.1rem 1.3rem;background:none;border:none;cursor:pointer;text-align:left;font-family:'DM Sans',sans-serif;font-size:.9rem;font-weight:600;color:var(--cream);transition:color .25s}
.faq-q:hover,.faq-item.open .faq-q{color:var(--gold)}
.faq-chev{flex-shrink:0;width:20px;height:20px;border-radius:50%;border:1.5px solid rgba(255,255,255,.15);display:flex;align-items:center;justify-content:center;font-size:.75rem;color:var(--mist);transition:transform .3s,border-color .25s}
.faq-item.open .faq-chev{transform:rotate(45deg);border-color:var(--gold);color:var(--gold)}
.faq-a{max-height:0;overflow:hidden;transition:max-height .4s cubic-bezier(.4,0,.2,1)}
.faq-item.open .faq-a{max-height:400px}
.faq-a-inner{padding:0 1.3rem 1.1rem;font-size:.86rem;color:var(--mist);line-height:1.75}
/* Quote */
.quote-section{padding:5rem 0}
.quote-layout{display:grid;grid-template-columns:1fr 1.3fr;gap:5rem;align-items:start}
.quote-box{background:rgba(255,255,255,.03);border:1px solid rgba(255,255,255,.08);border-radius:var(--radius-lg);padding:2.5rem}
.quote-box h3{font-size:1.5rem;margin-bottom:.3rem}.quote-box .sub{font-size:.8rem;color:var(--mist);margin-bottom:2rem}
.f-row{display:grid;grid-template-columns:1fr 1fr;gap:1rem}
.f-group{display:flex;flex-direction:column;gap:.4rem;margin-bottom:1rem}
.f-group label{font-size:.7rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--mist)}
.f-group input,.f-group select,.f-group textarea{background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.1);border-radius:var(--radius);padding:.8rem 1rem;color:var(--cream);font-family:'DM Sans',sans-serif;font-size:.88rem;outline:none;width:100%;transition:border-color .25s;resize:vertical}
.f-group input::placeholder,.f-group textarea::placeholder{color:var(--mist)}
.f-group input:focus,.f-group select:focus,.f-group textarea:focus{border-color:var(--gold)}
.f-group select{cursor:pointer}.f-group select option{background:var(--river-mid)}
.f-submit{width:100%;padding:1rem;background:var(--gold);color:var(--dark);border:none;border-radius:var(--radius);font-family:'DM Sans',sans-serif;font-size:1rem;font-weight:700;cursor:pointer;transition:var(--transition);margin-top:.3rem}
.f-submit:hover{background:var(--gold-light);transform:translateY(-2px)}
.f-note{text-align:center;font-size:.7rem;color:var(--mist);margin-top:.8rem}
.form-success{display:none;text-align:center;padding:2rem}
.form-success h3{font-size:1.3rem;margin-bottom:.5rem}.form-success p{font-size:.86rem;color:var(--mist)}
.q-points{display:flex;flex-direction:column;gap:.9rem;margin-top:1.5rem}
.q-point{display:flex;align-items:center;gap:.8rem;font-size:.85rem;color:var(--text-muted)}
.q-icon{width:34px;height:34px;border-radius:8px;flex-shrink:0;background:rgba(26,127,168,.1);border:1px solid rgba(26,127,168,.25);display:flex;align-items:center;justify-content:center;font-size:.9rem}
footer{background:#05101a;padding:4rem 0 0;border-top:1px solid rgba(255,255,255,.05)}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1.3fr;gap:3rem;margin-bottom:3rem}
.footer-brand .fb-name{font-family:'Playfair Display',serif;font-size:1.5rem;font-weight:700;color:var(--white);margin-bottom:.2rem}
.footer-brand .fb-bhb{display:inline-block;font-size:.6rem;font-weight:700;letter-spacing:.22em;text-transform:uppercase;color:var(--gold);margin-bottom:.5rem}
.footer-brand .fb-sub{font-size:.78rem;color:var(--teal-light);font-style:italic;margin-bottom:1rem}
.footer-brand p{font-size:.83rem;color:var(--mist);line-height:1.7;margin-bottom:1.3rem}
.footer-contact a{display:flex;align-items:center;gap:.5rem;font-size:.82rem;color:var(--mist);margin-bottom:.5rem;transition:color .25s}.footer-contact a:hover{color:var(--gold)}
.footer-col h3{font-family:'DM Sans',sans-serif;font-size:.68rem;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:var(--teal-light);margin-bottom:1.2rem}
.footer-links{list-style:none;display:flex;flex-direction:column;gap:.55rem}
.footer-links a{font-size:.82rem;color:var(--mist);transition:color .25s}.footer-links a:hover{color:var(--cream)}
.footer-bottom{border-top:1px solid rgba(255,255,255,.05);padding:1.4rem 0;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:1rem;font-size:.75rem;color:var(--mist)}
.footer-bottom a{color:var(--mist);transition:color .25s}.footer-bottom a:hover{color:var(--gold)}
.float-phone{position:fixed;bottom:1.5rem;right:1.5rem;z-index:990;background:var(--gold);color:var(--dark);width:56px;height:56px;border-radius:50%;display:none;align-items:center;justify-content:center;font-size:1.3rem;box-shadow:0 4px 20px rgba(212,168,75,.5);transition:transform .25s}
.float-phone:hover{transform:scale(1.1)}
.float-phone::before{content:'';position:absolute;inset:0;border-radius:50%;border:2px solid var(--gold);opacity:.5;animation:ripple 2.2s ease infinite}
@media(max-width:1024px){.who-grid{grid-template-columns:repeat(2,1fr)}.hiw-grid{grid-template-columns:repeat(2,1fr)}.hiw-step::after{display:none}.svc-grid{grid-template-columns:repeat(2,1fr)}.faq-grid{gap:3rem}.funding-types{grid-template-columns:1fr}.footer-grid{grid-template-columns:1fr 1fr}.quote-layout{grid-template-columns:1fr}}
@media(max-width:768px){.nav-links,.nav-phone{display:none}.hamburger{display:flex}.float-phone{display:flex}.top-bar-ticker{display:none}.top-bar-right{width:100%;justify-content:center}.who-grid{grid-template-columns:1fr}.hiw-grid{grid-template-columns:1fr 1fr}.svc-grid{grid-template-columns:1fr}.faq-grid{grid-template-columns:1fr}.f-row{grid-template-columns:1fr}.footer-grid{grid-template-columns:1fr;gap:2rem}}

/* ── PHONE RING ANIMATION ── */
@keyframes phone-ring {
  0%,60%,100%{transform:rotate(0) scale(1)}
  65%{transform:rotate(-18deg) scale(1.15)}
  70%{transform:rotate(18deg) scale(1.15)}
  75%{transform:rotate(-13deg) scale(1.1)}
  80%{transform:rotate(13deg) scale(1.1)}
  85%{transform:rotate(-8deg)}
  90%{transform:rotate(8deg)}
  95%{transform:rotate(-3deg)}
}
.nav-phone svg,.nav-phone .ring-svg{
  animation:phone-ring 5s ease-in-out infinite;
  transform-origin:top center;
  display:inline-block;
}
.nav-phone{
  display:flex;align-items:center;gap:6px;
  font-weight:700;font-size:.8rem;letter-spacing:.04em;
  color:var(--gold);padding:.38rem .85rem;
  border:1.5px solid rgba(212,168,75,.35);
  border-radius:999px;
  transition:background .25s,border-color .25s;
}
.nav-phone:hover{background:rgba(212,168,75,.1);border-color:var(--gold)}
.nav-phone .call-label{color:var(--gold)}
.float-phone svg{
  animation:phone-ring 6s ease-in-out infinite;
  transform-origin:top center;
}


@font-face{font-family:'DM Sans';font-style:normal;font-weight:100 1000;font-display:swap;src:url('/assets/fonts/dm-sans-20261009.woff2') format('woff2')}
@font-face{font-family:'Playfair Display';font-style:normal;font-weight:400 900;font-display:swap;src:url('/assets/fonts/playfair-regular-20261009.woff2') format('woff2')}
@font-face{font-family:'Playfair Display';font-style:italic;font-weight:400 900;font-display:swap;src:url('/assets/fonts/playfair-italic-v2-20261009.woff2') format('woff2')}
:root{--gold:#d4a84b;--gold-light:#ebca84;--dark:#08131e;--cream:#f7f1e6;--mist:#aab8c5;--text-muted:#c6d1da;--radius:6px;--radius-lg:14px;--transition:all .22s ease;--shadow:0 22px 64px #0005}
html{scroll-behavior:smooth;scroll-padding-top:100px}body{font-family:'DM Sans',sans-serif;background:#08131e;color:#f7f1e6;-webkit-font-smoothing:antialiased;line-height:1.7}
::selection{background:#d4a84b;color:#08131e}a,button,input,textarea,select{-webkit-tap-highlight-color:transparent}a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible{outline:2px solid #ebca84;outline-offset:5px}
h1,h2,h3,h4{font-family:'Playfair Display',serif}h1{letter-spacing:-.035em;line-height:1.06}h2{letter-spacing:-.025em;line-height:1.15}p{font-weight:400}.container{max-width:1240px}
#top-bar{background:#050e17;border-bottom:1px solid #d4a84b20;font-size:.74rem;min-height:38px}.top-bar-ticker{overflow:hidden}.bhb-announcement{font-size:.72rem;letter-spacing:.045em;color:#c6d1da;white-space:nowrap;display:block;padding:.45rem 0}.bhb-announcement b{color:#ebca84;font-weight:600}.tb-badge{border-color:#d4a84b40;background:#d4a84b12;color:#ebca84}
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