/* ==========================================================================
   Performance Communities — shared stylesheet
   One file governs the look of every page. Edit colors/type here once.
   Palette sampled from PCF3_InvestorDeckFinal.pdf: navy #13294D, gold #C0962A.
   DRAFT — pending securities counsel review before publication.
   ========================================================================== */

:root{
  /* Brand */
  --navy:#13294D;        /* primary brand + headings on light */
  --navy-deep:#0B1B38;   /* hero, footer, dark panels */
  --navy-panel:#16294F;  /* deck-matched stat panels */
  --gold:#C0962A;        /* accent: rules, eyebrows-on-dark, figures-on-dark */
  --gold-deep:#A67E1F;   /* darker gold for hover / where contrast matters */
  --screen-cool:#EDF1F5; /* faint cool screen — neutral / status-quo cells */
  --screen-gold:#F6F1E4; /* faint gold screen — preferred / platform cells */

  /* Ink + neutrals */
  --ink:#26303B;         /* body text */
  --ink-soft:#54606D;    /* secondary text */
  --ink-faint:#8A93A0;   /* captions, fine print */

  /* Surfaces — cool institutional neutrals (no warm/pink cast) */
  --paper:#F2F5F8;       /* cool off-white */
  --paper-2:#E8EDF2;     /* alternating sections, slightly deeper cool gray */
  --white:#FFFFFF;
  --line:#D4DBE3;        /* cool hairline */
  --line-soft:#E4E9EF;
  --line-strong:#B9C4D0; /* stronger box outline */

  --maxw:1200px;
  --gut:clamp(20px,5vw,40px);

  --serif:"Spectral",Georgia,"Times New Roman",serif;
  --sans:"Source Sans 3",system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
}

/* ----- reset ----- */
*{box-sizing:border-box;}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%;}
body{margin:0;background:var(--white);color:var(--ink);
  font-family:var(--sans);font-size:18px;line-height:1.65;
  -webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility;}
img{display:block;max-width:100%;height:auto;}
a{color:var(--navy);text-decoration:none;}
a:hover{text-decoration:underline;}
h1,h2,h3,h4{font-family:var(--serif);color:var(--navy);margin:0;
  font-weight:500;line-height:1.12;letter-spacing:-0.01em;}
h1{font-size:clamp(38px,5.4vw,62px);}
h2{font-size:clamp(29px,3.9vw,46px);}
h3{font-size:clamp(22px,2.4vw,28px);}
h4{font-size:21px;}
p{margin:0 0 1.15rem;}
strong{font-weight:600;}
::selection{background:rgba(192,150,42,0.22);}

/* ----- layout helpers ----- */
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 var(--gut);}
.section{padding:clamp(78px,11vw,140px) 0;}
.section--paper{background:var(--paper);}
.section--paper2{background:var(--paper-2);}
.section--navy{background:var(--navy);color:#D9E0EA;border-top:3px solid var(--gold);}
.measure{max-width:62ch;}
.center{text-align:center;}
.mt-s{margin-top:16px;} .mt-m{margin-top:30px;} .mt-l{margin-top:56px;}

.muted{color:var(--ink-soft);}
.fine{font-size:13.5px;line-height:1.65;color:#5C6772;}
.lead{font-size:clamp(19px,2.1vw,22px);line-height:1.55;color:var(--ink-soft);
  font-family:var(--serif);font-weight:300;}

/* ----- eyebrow (structural label) ----- */
/* On light: navy text with a short gold tick. On dark: gold text. */
.eyebrow{display:inline-flex;align-items:center;gap:13px;
  font-family:var(--sans);font-size:clamp(15px,1.5vw,19px);font-weight:700;
  letter-spacing:0.15em;text-transform:uppercase;color:var(--navy);
  margin-bottom:24px;}
.eyebrow::before{content:"";width:38px;height:2px;background:var(--gold);display:inline-block;}
.on-navy .eyebrow,.eyebrow--gold{color:var(--gold);}
.on-navy .eyebrow::before{background:var(--gold);}

/* polished colored header chip (for box / section headers that want a label tile) */
.chip{display:inline-block;font-family:var(--sans);font-size:11.5px;font-weight:700;
  letter-spacing:0.14em;text-transform:uppercase;color:#fff;background:var(--navy);
  padding:7px 14px;border-radius:3px;margin-bottom:16px;}
.chip--gold{background:var(--gold);color:var(--navy-deep);}
.chip--ghost{background:transparent;color:var(--navy);border:1.5px solid var(--navy);}

/* ----- buttons ----- */
.btn{display:inline-flex;align-items:center;gap:10px;cursor:pointer;
  font-family:var(--sans);font-size:16px;font-weight:600;letter-spacing:0.01em;
  padding:16px 32px;border:1.5px solid transparent;border-radius:0;
  transition:background .16s ease,color .16s ease,border-color .16s ease;}
.btn:hover{text-decoration:none;}
.btn .ar{transition:transform .16s ease;}
.btn:hover .ar{transform:translateX(3px);}
.btn-primary{background:var(--navy);color:#fff;}
.btn-primary:hover{background:var(--navy-deep);}
.btn-outline{background:transparent;color:var(--navy);border-color:var(--navy);}
.btn-outline:hover{background:var(--navy);color:#fff;}
.on-navy .btn-outline{color:#fff;border-color:rgba(255,255,255,0.5);}
.on-navy .btn-outline:hover{background:#fff;color:var(--navy);border-color:#fff;}
.btn-gold{background:var(--gold);color:var(--navy-deep);}
.btn-gold:hover{background:var(--gold-deep);color:#fff;}
.btn-row{display:flex;flex-wrap:wrap;gap:14px;align-items:center;}

/* focus visibility (a11y) */
a:focus-visible,button:focus-visible,input:focus-visible,
select:focus-visible,textarea:focus-visible{
  outline:3px solid var(--gold);outline-offset:2px;}

/* ==========================================================================
   HEADER  (keep identical across every page)
   ========================================================================== */
.site-header{position:sticky;top:0;z-index:60;background:rgba(255,255,255,0.92);
  backdrop-filter:saturate(180%) blur(10px);border-bottom:1px solid var(--line);}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;
  height:82px;gap:22px;}
.brand{display:flex;align-items:center;gap:12px;flex-shrink:0;}
.brand:hover{text-decoration:none;}
.brand img{width:48px;height:48px;}
.brand-txt{font-family:var(--serif);font-size:22px;font-weight:600;color:var(--navy);
  line-height:1;letter-spacing:0.005em;}
.brand-txt span{display:block;font-family:var(--sans);font-size:11.5px;font-weight:700;
  letter-spacing:0.2em;text-transform:uppercase;color:var(--gold-deep);margin-top:5px;}

.nav{display:flex;align-items:center;gap:30px;}
.nav-links{display:flex;align-items:center;gap:26px;}
.nav-links a{font-family:var(--sans);font-size:14.5px;font-weight:500;color:var(--ink-soft);
  letter-spacing:0.01em;padding:4px 0;position:relative;}
.nav-links a:hover{color:var(--navy);text-decoration:none;}
.nav-links a.active{color:var(--navy);}
.nav-links a.active::after{content:"";position:absolute;left:0;right:0;bottom:-2px;height:2px;background:var(--gold);}
.nav-utility{display:flex;align-items:center;gap:18px;}
.nav-utility .contact-link{font-size:14px;font-weight:500;color:var(--ink-soft);}
.nav-login{font-family:var(--sans);font-size:13px;font-weight:600;letter-spacing:0.02em;
  color:var(--navy);border:1.5px solid var(--gold);padding:9px 16px;transition:all .16s ease;}
.nav-login:hover{background:var(--gold);color:var(--navy-deep);text-decoration:none;}
.nav-toggle{display:none;background:none;border:none;color:var(--navy);cursor:pointer;padding:6px;}
.nav-toggle svg{display:block;}

@media(max-width:1000px){
  .nav{position:absolute;top:82px;left:0;right:0;background:#fff;flex-direction:column;
    align-items:stretch;gap:0;padding:8px var(--gut) 20px;border-bottom:1px solid var(--line);
    box-shadow:0 14px 24px -18px rgba(11,27,56,0.4);display:none;}
  .nav.open{display:flex;}
  .nav-links{flex-direction:column;align-items:stretch;gap:0;}
  .nav-links a{padding:14px 0;border-bottom:1px solid var(--line-soft);font-size:16px;}
  .nav-utility{flex-direction:column;align-items:stretch;gap:0;margin-top:6px;}
  .nav-utility .contact-link{padding:14px 0;border-bottom:1px solid var(--line-soft);}
  .nav-login{text-align:center;margin-top:14px;padding:13px 16px;}
  .nav-toggle{display:block;}
}

/* ==========================================================================
   HERO
   ========================================================================== */
.hero{position:relative;background:var(--navy-deep);color:#E7ECF3;overflow:hidden;}
.hero-media{position:absolute;inset:0;overflow:hidden;}
.hero-media img{width:100%;height:100%;object-fit:cover;object-position:center;
  transform:scale(1.06);animation:heroPan 34s ease-in-out infinite alternate;will-change:transform;}
@keyframes heroPan{
  from{transform:scale(1.06) translate3d(0,0,0);}
  to{transform:scale(1.06) translate3d(-3.4%,0,0);}}
.hero-scrim{position:absolute;inset:0;
  background:linear-gradient(100deg,rgba(8,21,46,0.86) 0%,rgba(9,24,52,0.6) 46%,rgba(11,32,72,0.16) 100%);}
.hero .wrap{position:relative;z-index:2;padding-top:clamp(90px,12vw,150px);
  padding-bottom:clamp(90px,12vw,150px);}
.hero .eyebrow{color:var(--gold);}
.hero .eyebrow::before{background:var(--gold);}
.hero h1{color:#fff;max-width:17ch;}
.hero .hero-sub{font-family:var(--serif);font-weight:300;
  font-size:clamp(20px,2.4vw,26px);color:#CBD6E5;max-width:34ch;margin:24px 0 14px;line-height:1.4;}
.hero .hero-desc{font-size:18px;color:#A9B7CC;max-width:52ch;margin:0 0 36px;}
.hero .hero-fine{color:#9FB0C4;max-width:60ch;margin-top:30px;border-top:1px solid rgba(255,255,255,0.18);padding-top:18px;}
.img-credit{position:absolute;right:0;bottom:0;z-index:3;font-size:10.5px;letter-spacing:0.08em;
  text-transform:uppercase;color:rgba(255,255,255,0.55);background:rgba(8,21,46,0.55);padding:5px 12px;}

/* page hero (interior, shorter) */
.page-hero{position:relative;background:var(--navy-deep);color:#E7ECF3;overflow:hidden;}
.page-hero-media{position:absolute;inset:0;}
.page-hero-media img{width:100%;height:100%;object-fit:cover;}
.page-hero-scrim{position:absolute;inset:0;
  background:linear-gradient(100deg,rgba(8,21,46,0.94) 0%,rgba(10,26,56,0.84) 50%,rgba(11,32,72,0.58) 100%);}
.page-hero .wrap{position:relative;z-index:2;padding:clamp(74px,9.5vw,120px) var(--gut);}
.page-hero .eyebrow{color:var(--gold);}
.page-hero h1{color:#fff;max-width:20ch;}
.page-hero .page-hero-sub{font-family:var(--serif);font-weight:300;font-size:clamp(19px,2.2vw,24px);
  color:#CBD6E5;max-width:46ch;margin-top:22px;line-height:1.45;}

/* ==========================================================================
   GENERIC BLOCKS
   ========================================================================== */
.split{display:grid;grid-template-columns:1.05fr 1fr;gap:clamp(36px,5vw,64px);align-items:center;}
.split--text-right{grid-template-columns:1fr 1.05fr;}
@media(max-width:860px){.split,.split--text-right{grid-template-columns:1fr;gap:36px;}}

.figure{position:relative;overflow:hidden;background:var(--paper-2);}
.figure img{width:100%;height:100%;object-fit:cover;}
.figure .cap{position:absolute;left:0;right:0;bottom:0;padding:48px 22px 16px;
  background:linear-gradient(0deg,rgba(8,21,46,0.9),transparent);color:#D7E0EC;font-size:13px;line-height:1.45;}
.figure .cap b{display:block;color:#fff;font-family:var(--sans);font-weight:700;font-size:11px;
  letter-spacing:0.1em;text-transform:uppercase;margin-bottom:4px;color:var(--gold);}

.kicker-rule{width:54px;height:3px;background:var(--gold);margin:0 0 26px;}

/* ----- demand stats ----- */
.stats{display:grid;grid-template-columns:repeat(3,1fr);gap:0;
  border:1.5px solid var(--line-strong);background:var(--white);}
@media(max-width:720px){.stats{grid-template-columns:1fr;}}
.stat{padding:46px 34px 44px;border-right:1.5px solid var(--line-strong);box-shadow:inset 0 -3px 0 var(--gold);}
.stat:last-child{border-right:none;}
@media(max-width:720px){.stat{border-right:none;border-bottom:1px solid var(--line);}
  .stat:last-child{border-bottom:none;}}
.stat .fig{font-family:var(--serif);font-size:clamp(48px,6vw,72px);font-weight:500;
  color:var(--navy);line-height:0.98;letter-spacing:-0.025em;}
.stat .fig small{font-size:0.46em;font-weight:500;color:var(--gold-deep);letter-spacing:-0.01em;}
.stat .lab{margin-top:20px;font-size:15px;font-weight:600;color:var(--ink);line-height:1.35;}
.stat .sub{margin-top:8px;font-size:13px;color:var(--ink-faint);line-height:1.45;}

/* ==========================================================================
   COMPARISON LEDGER  (signature element)
   ========================================================================== */
.ledger{margin-top:8px;border:1.5px solid var(--line-strong);background:var(--white);}
.ledger-head{display:grid;grid-template-columns:1fr 1fr 1fr;}
.ledger-head .lh{padding:22px 26px;}
.ledger-head .lh-spacer{}
.ledger-head .lh-a{border-left:1.5px solid var(--line-strong);background:var(--screen-cool);}
.ledger-head .lh-b{background:var(--screen-gold);}
.lh .tag{font-family:var(--sans);font-size:11px;font-weight:700;letter-spacing:0.14em;
  text-transform:uppercase;color:var(--ink-faint);margin-bottom:7px;}
.lh-b .tag{color:var(--gold-deep);}
.lh .nm{font-family:var(--serif);font-size:19px;color:var(--navy);line-height:1.2;}
.lh-b .nm{color:var(--navy);}

.ledger-row{display:grid;grid-template-columns:1fr 1fr 1fr;border-top:1px solid var(--line);}
.ledger-row > div{padding:20px 26px;font-size:15px;line-height:1.5;}
.lr-key{font-family:var(--sans);font-weight:700;color:var(--navy);font-size:13.5px;
  letter-spacing:0.02em;display:flex;align-items:center;}
.lr-a{color:var(--ink-soft);border-left:1.5px solid var(--line-strong);background:var(--screen-cool);}
.lr-b{color:var(--ink);background:var(--screen-gold);}
.lr-b strong{color:var(--navy);}
.ledger-row:last-child .lr-a{box-shadow:inset 0 -3px 0 var(--gold);}
.ledger-row:last-child .lr-b{box-shadow:inset 0 -3px 0 var(--gold);}
@media(max-width:760px){
  .ledger-head,.ledger-row{grid-template-columns:1fr;}
  .ledger-head .lh-spacer{display:none;}
  .ledger-row > div{border-left:none!important;}
  .lr-key{background:var(--navy-deep);color:#fff;padding:14px 22px;font-size:12px;
    letter-spacing:0.12em;text-transform:uppercase;}
  .lr-a::before{content:"Conventional MHC — ";font-weight:700;color:var(--ink-faint);font-size:12px;}
  .lr-b::before{content:"A Performance Community™ — ";font-weight:700;color:var(--gold-deep);font-size:12px;}
}

/* ==========================================================================
   VINTAGE STRIP  (platform continuity — qualitative only)
   ========================================================================== */
.vintage{display:grid;grid-template-columns:repeat(3,1fr);gap:0;position:relative;
  border:1px solid rgba(255,255,255,0.16);}
.vintage .v{padding:30px 28px;border-right:1px solid rgba(255,255,255,0.16);
  background:rgba(255,255,255,0.025);box-shadow:inset 0 -3px 0 rgba(192,150,42,0.5);}
.vintage .v.open{background:rgba(192,150,42,0.07);box-shadow:inset 0 -3px 0 var(--gold);}
.vintage .v:last-child{border-right:none;}
.vintage .v .yr{font-family:var(--sans);font-size:11.5px;font-weight:700;letter-spacing:0.14em;
  text-transform:uppercase;color:var(--gold);margin-bottom:12px;display:flex;align-items:center;gap:9px;}
.vintage .v .dot{width:9px;height:9px;border-radius:50%;background:var(--gold);flex-shrink:0;}
.vintage .v.open .dot{box-shadow:0 0 0 4px rgba(192,150,42,0.25);}
.vintage .v h3{color:#fff;font-size:21px;margin-bottom:8px;}
.vintage .v p{color:#AEBCD0;font-size:14px;line-height:1.5;margin:0;}
.vintage .v .status{font-size:12px;font-weight:700;letter-spacing:0.08em;text-transform:uppercase;
  color:#8FA0B8;margin-top:14px;}
.vintage .v.open .status{color:var(--gold);}
@media(max-width:720px){.vintage{grid-template-columns:1fr;}
  .vintage .v{border-right:none;border-bottom:1px solid rgba(255,255,255,0.16);}
  .vintage .v:last-child{border-bottom:none;}}

/* ==========================================================================
   PATHWAY CARDS
   ========================================================================== */
.paths{display:grid;grid-template-columns:repeat(2,1fr);gap:1.5px;background:var(--line-strong);
  border:1.5px solid var(--line-strong);}
@media(max-width:720px){.paths{grid-template-columns:1fr;}}
.path{background:var(--white);padding:40px 36px;display:flex;flex-direction:column;
  position:relative;box-shadow:inset 0 -3px 0 var(--gold);transition:background .16s ease;}
.path:hover{background:var(--screen-gold);text-decoration:none;}
.path .pk{font-family:var(--sans);font-size:11.5px;font-weight:700;letter-spacing:0.15em;
  text-transform:uppercase;color:var(--gold-deep);margin-bottom:18px;}
.path h3{margin-bottom:12px;}
.path p{color:var(--ink-soft);font-size:15.5px;line-height:1.6;margin:0 0 22px;}
.path .go{margin-top:auto;font-family:var(--sans);font-size:14.5px;font-weight:600;color:var(--navy);
  display:inline-flex;align-items:center;gap:8px;}
.path:hover .go .ar{transform:translateX(3px);}
.path .go .ar{transition:transform .16s ease;}

/* ----- standard summary cards (icon-light) ----- */
.feature-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:1.5px;background:var(--line-strong);
  border:1.5px solid var(--line-strong);margin-top:8px;}
@media(max-width:680px){.feature-grid{grid-template-columns:1fr;}}
.feature{background:var(--white);padding:34px 32px;box-shadow:inset 0 -3px 0 var(--gold);}
.feature .ic{width:42px;height:42px;color:var(--gold-deep);margin-bottom:18px;}
.feature .ic svg{width:100%;height:100%;}
.feature h4{margin-bottom:10px;color:var(--navy);font-size:21px;}
.feature p{margin:0;font-size:15.5px;color:var(--ink-soft);line-height:1.6;}

/* ----- candor (what it is / isn't) ----- */
.candor{display:grid;grid-template-columns:1fr 1fr;gap:1.5px;background:var(--line-strong);border:1.5px solid var(--line-strong);}
@media(max-width:680px){.candor{grid-template-columns:1fr;}}
.candor > div{padding:34px 32px;background:#fff;}
.candor .c-is{background:var(--screen-gold);box-shadow:inset 0 -3px 0 var(--gold);}
.candor .c-isnt{background:var(--screen-cool);box-shadow:inset 0 -3px 0 var(--gold);}
.candor h4{margin-bottom:16px;font-family:var(--sans);font-size:13px;font-weight:700;
  letter-spacing:0.12em;text-transform:uppercase;}
.candor .c-is h4{color:var(--gold-deep);}
.candor .c-isnt h4{color:var(--ink-faint);}
.candor ul{margin:0;padding:0;list-style:none;}
.candor li{position:relative;padding:0 0 12px 22px;font-size:15px;line-height:1.5;color:var(--ink-soft);}
.candor li:last-child{padding-bottom:0;}
.candor li::before{content:"";position:absolute;left:0;top:9px;width:7px;height:7px;background:var(--gold);}
.candor .c-isnt li::before{background:var(--ink-faint);}

/* pull / callout */
.pull{font-family:var(--serif);font-weight:300;font-size:clamp(22px,2.8vw,30px);line-height:1.34;
  color:var(--navy);max-width:24ch;}
.pull .em{color:var(--gold-deep);}

/* navy CTA band */
.cta-band{background:var(--navy-deep);color:#D7DEE9;}
.cta-band h2{color:#fff;}
.cta-band p{color:#AEBCD0;}

/* ==========================================================================
   FOOTER  (keep identical across every page)
   ========================================================================== */
.site-footer{background:var(--navy-deep);color:#92A2B8;padding:64px 0 40px;font-size:14px;}
.foot-top{display:grid;grid-template-columns:1.2fr 2fr;gap:40px;
  padding-bottom:34px;margin-bottom:30px;border-bottom:1px solid rgba(255,255,255,0.13);}
@media(max-width:760px){.foot-top{grid-template-columns:1fr;gap:30px;}}
.foot-brand{display:flex;align-items:center;gap:12px;}
.foot-brand img{width:38px;height:38px;}
.foot-brand .brand-txt{color:#fff;font-size:18px;}
.foot-tag{margin:16px 0 0;color:#9FB0C4;max-width:34ch;font-size:14.5px;line-height:1.6;}
.foot-nav{display:grid;grid-template-columns:repeat(3,1fr);gap:8px 24px;}
@media(max-width:520px){.foot-nav{grid-template-columns:1fr 1fr;}}
.foot-nav a{color:#A9B7CB;font-size:14px;padding:5px 0;}
.foot-nav a:hover{color:#fff;text-decoration:none;}
.foot-nav .fn-head{color:#6F839C;font-size:11px;font-weight:700;letter-spacing:0.12em;
  text-transform:uppercase;padding-top:0;}
.legal{font-size:12px;line-height:1.75;color:#A7B6C8;max-width:none;}
.legal p{margin:0 0 11px;}
.legal .entities{color:#C2CEDD;}
.foot-bottom{display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px;
  margin-top:24px;padding-top:20px;border-top:1px solid rgba(255,255,255,0.1);
  font-size:12.5px;color:#93A4B8;}
.foot-bottom a{color:#A7B6C8;}

/* draft ribbon (remove before launch) */
.draft-ribbon{background:var(--gold);color:var(--navy-deep);text-align:center;
  font-family:var(--sans);font-size:12px;font-weight:700;letter-spacing:0.08em;
  padding:7px 14px;text-transform:uppercase;}

/* reduced motion */
@media(prefers-reduced-motion:reduce){
  *{scroll-behavior:auto!important;transition:none!important;animation:none!important;}
}

/* scroll reveal */
.reveal{opacity:0;transform:translateY(16px);transition:opacity .6s ease,transform .6s ease;}
.reveal.in{opacity:1;transform:none;}
@media(prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none;}}

/* ==========================================================================
   ADDED: 3-up grid, definition rows, forms  (consistent with box system)
   ========================================================================== */
.cols-3{display:grid;grid-template-columns:repeat(3,1fr);gap:1.5px;background:var(--line-strong);
  border:1.5px solid var(--line-strong);margin-top:8px;}
@media(max-width:820px){.cols-3{grid-template-columns:1fr 1fr;}}
@media(max-width:560px){.cols-3{grid-template-columns:1fr;}}

/* a single highlighted lead box (e.g., the foundational impact dimension) */
.lead-box{background:var(--screen-gold);border:1.5px solid var(--line-strong);
  box-shadow:inset 0 -3px 0 var(--gold);padding:38px 36px;margin-top:8px;}
.lead-box h3{color:var(--navy);margin-bottom:10px;}
.lead-box p{margin:0;color:var(--ink-soft);font-size:16px;line-height:1.6;}

/* definition rows (credentials, entity architecture) */
.deflist{border:1.5px solid var(--line-strong);background:var(--white);margin-top:8px;}
.defrow{display:grid;grid-template-columns:0.8fr 1.8fr;gap:0;border-bottom:1px solid var(--line);
  box-shadow:inset 0 -3px 0 transparent;}
.defrow:last-child{border-bottom:none;box-shadow:inset 0 -3px 0 var(--gold);}
@media(max-width:600px){.defrow{grid-template-columns:1fr;}}
.defrow .dk{padding:22px 26px;font-family:var(--sans);font-weight:700;color:var(--navy);font-size:14px;
  letter-spacing:0.04em;background:var(--screen-cool);}
.defrow .dv{padding:22px 26px;color:var(--ink-soft);font-size:15.5px;line-height:1.55;
  border-left:1.5px solid var(--line-strong);}
@media(max-width:600px){.defrow .dv{border-left:none;}}

/* tiered list (markets) */
.tier .tk{font-family:var(--sans);font-size:12.5px;font-weight:700;letter-spacing:0.12em;
  text-transform:uppercase;color:var(--gold-deep);margin-bottom:8px;}
.tier h4{margin-bottom:8px;}
.tier p{margin:0;color:var(--ink-soft);font-size:15px;line-height:1.55;}

/* ----- forms ----- */
.form-card{border:1.5px solid var(--line-strong);background:var(--white);
  box-shadow:inset 0 -3px 0 var(--gold);padding:clamp(28px,4vw,48px);}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px;}
@media(max-width:600px){.form-grid{grid-template-columns:1fr;}}
.field{margin-bottom:18px;}
label{display:block;font-family:var(--sans);font-size:12.5px;font-weight:700;color:var(--navy);
  margin-bottom:8px;letter-spacing:0.06em;text-transform:uppercase;}
label .opt{color:var(--ink-faint);font-weight:600;text-transform:none;letter-spacing:0;}
input,select,textarea{width:100%;padding:13px 15px;font-size:15.5px;font-family:var(--sans);
  color:var(--ink);background:#fff;border:1.5px solid var(--line-strong);border-radius:0;}
input::placeholder,textarea::placeholder{color:var(--ink-faint);}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--gold);
  box-shadow:0 0 0 3px rgba(192,150,42,0.18);}
.check-row{display:flex;gap:13px;align-items:flex-start;margin-bottom:16px;
  padding:16px 18px;background:var(--screen-cool);border:1.5px solid var(--line-strong);}
.check-row input[type=checkbox]{width:18px;height:18px;margin-top:2px;flex-shrink:0;accent-color:var(--navy);}
.check-row label{margin:0;text-transform:none;letter-spacing:0;font-weight:500;font-size:14px;
  color:var(--ink-soft);line-height:1.5;}
.check-row label strong{color:var(--navy);font-weight:700;}
.form-note{font-size:13px;color:var(--ink-faint);line-height:1.6;margin-top:6px;}
.form-confirm{display:none;border:1.5px solid var(--line-strong);background:var(--screen-gold);
  box-shadow:inset 0 -3px 0 var(--gold);padding:clamp(28px,4vw,44px);}
.form-confirm.show{display:block;}
.form-confirm h3{color:var(--navy);margin-bottom:12px;}
.form-confirm p{color:var(--ink-soft);margin:0 0 12px;}
.gate-tag{display:inline-block;font-family:var(--sans);font-size:11.5px;font-weight:700;
  letter-spacing:0.12em;text-transform:uppercase;color:var(--gold-deep);
  border:1.5px solid var(--gold);padding:7px 13px;margin-bottom:18px;}

/* scrollable confidentiality agreement + e-signature */
.agreement{max-height:210px;overflow-y:auto;border:1.5px solid var(--line-strong);
  background:var(--paper);padding:18px 20px;font-size:13px;line-height:1.65;
  color:var(--ink-soft);margin-bottom:18px;}
.agreement:focus{outline:none;border-color:var(--gold);box-shadow:0 0 0 3px rgba(192,150,42,0.18);}
.agreement p{margin:0 0 10px;}
.agreement strong{color:var(--navy);}
.form-lead{font-size:15px;color:var(--ink-soft);line-height:1.6;margin:0 0 22px;}