/* Switzer Finance — Redesign
   International Typographic Style (Swiss): pure white, true-black ink,
   hairline modular grid, Helvetica, one precise signal accent.
   Type: Helvetica Neue (display + body) · Space Mono (labels, numerals) */

:root {
  /* Accent (Forest — finance green) */
  --accent: #157347;
  --accent-rgb: 21, 115, 71;
  --accent-deep: #0E5535;
  --accent-soft: #E2F0E8;

  /* Ink + surfaces */
  --ink: #111111;
  --ink-soft: #4A4A4A;
  --muted: #8C8C88;
  --bg: #FFFFFF;
  --bg-alt: #F2F1EC;
  --surface: #FFFFFF;
  --inverse: #0E0E0E;

  /* Lines */
  --line: rgba(17, 17, 17, 0.14);
  --line-soft: rgba(17, 17, 17, 0.08);
  --line-strong: #111111;
  --line-inverse: rgba(255, 255, 255, 0.16);

  --radius: 0px;

  --max-w: 1280px;
  --pad: 40px;

  --font-display: "Helvetica Neue", Helvetica, Arial, sans-serif;
  --font-body: "Helvetica Neue", Helvetica, Arial, sans-serif;
  --font-mono: "Space Mono", ui-monospace, "SFMono-Regular", Menlo, monospace;
}

* { box-sizing: border-box; }

html, body {
  margin: 0;
  padding: 0;
  background: var(--bg);
  color: var(--ink);
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.5;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

img { display: block; max-width: 100%; }
a { color: inherit; }

.wrap {
  max-width: var(--max-w);
  margin: 0 auto;
  padding-left: var(--pad);
  padding-right: var(--pad);
}

.label {
  font-family: var(--font-mono);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
}

/* ===================== HEADER ===================== */
.site-header {
  background: var(--bg);
  border-bottom: 1px solid var(--line-strong);
  position: sticky;
  top: 0;
  z-index: 50;
}
.header-content {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 18px var(--pad);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}
.brand {
  display: flex;
  align-items: center;
  gap: 13px;
}
.brand-logo {
  height: 30px;
  width: auto;
  flex-shrink: 0;
  display: block;
}
.brand-logo .lg-1 { fill: var(--accent-deep); }
.brand-logo .lg-2 { fill: var(--accent); }

.site-title {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 19px;
  letter-spacing: -0.02em;
  color: var(--ink);
  margin: 0;
  line-height: 1;
}
.header-right {
  display: flex;
  align-items: center;
  gap: 22px;
}
.header-note {
  color: var(--muted);
}
.header-cta {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  font-family: var(--font-mono);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--ink);
  text-decoration: none;
  padding: 10px 16px;
  border: 1px solid var(--line-strong);
  border-radius: var(--radius);
  background: var(--bg);
  transition: background .15s ease, color .15s ease;
}
.header-cta:hover { background: var(--ink); color: #fff; }
.header-cta span.arrow { font-family: var(--font-display); font-size: 14px; }
@media (max-width: 720px) {
  .header-note { display: none; }
  .header-cta .cta-label { display: none; }
  .header-cta { padding: 9px 12px; }
}

/* ===================== HERO ===================== */
.form-section {
  background: var(--bg);
  position: relative;
  overflow: hidden;
  border-bottom: 1px solid var(--line-strong);
}
.form-background { display: none; }

.form-section::before {
  content: "";
  position: absolute;
  inset: 0;
  max-width: var(--max-w);
  left: 50%;
  transform: translateX(-50%);
  margin: 0 auto;
  pointer-events: none;
  background-image: linear-gradient(to right, var(--line-soft) 1px, transparent 1px);
  background-size: calc((100% - 1px) / 6) 100%;
  z-index: 0;
  opacity: .9;
}

.hero-grid {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 var(--pad);
  display: grid;
  grid-template-columns: 1fr;
  position: relative;
  z-index: 2;
}
@media (min-width: 980px) {
  .hero-grid {
    grid-template-columns: minmax(0, 1.15fr) minmax(0, 460px);
    gap: 0;
  }
}

.hero-copy {
  padding: 56px 0 64px;
  position: relative;
}
@media (min-width: 980px) {
  .hero-copy {
    padding: 72px 56px 80px 0;
    border-right: 1px solid var(--line-strong);
    margin-right: 56px;
  }
}

.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  color: var(--accent);
  margin-bottom: 30px;
}
.hero-eyebrow .idx { color: var(--ink); }
.hero-eyebrow .rule {
  display: inline-block;
  width: 34px;
  height: 1px;
  background: var(--ink);
}

.hero-headline {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: clamp(44px, 6vw, 78px);
  line-height: 0.96;
  letter-spacing: -0.04em;
  margin: 0 0 26px;
  color: var(--ink);
  text-wrap: balance;
}
.hero-headline em {
  font-style: normal;
  color: var(--accent);
}
.hero-sub {
  font-size: 18px;
  line-height: 1.55;
  color: var(--ink-soft);
  margin: 0 0 36px;
  max-width: 460px;
  text-wrap: pretty;
}

.hero-facts {
  display: grid;
  grid-template-columns: 1fr 1fr;
  border-top: 1px solid var(--line-strong);
  max-width: 520px;
}
.hero-fact {
  padding: 16px 18px 16px 0;
  border-bottom: 1px solid var(--line);
}
.hero-fact:nth-child(odd) { padding-left: 0; }
.hero-fact:nth-child(even) {
  padding-left: 22px;
  border-left: 1px solid var(--line);
}
.hero-fact .ft-k {
  font-family: var(--font-mono);
  font-size: 10.5px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--muted);
  display: block;
  margin-bottom: 6px;
}
.hero-fact .ft-v {
  font-family: var(--font-display);
  font-size: 16px;
  font-weight: 700;
  letter-spacing: -0.01em;
  color: var(--ink);
  line-height: 1.2;
}

/* Form column */
.form-col {
  padding: 56px 0 64px;
  display: flex;
  align-items: flex-start;
}
@media (max-width: 979px) {
  .hero-grid { padding-top: 0; }
  .form-col {
    order: -1;
    padding: 0;
    margin-left: calc(-1 * var(--pad));
    margin-right: calc(-1 * var(--pad));
  }
}
@media (min-width: 980px) {
  .form-col { padding: 72px 0 80px; }
}
.form-container {
  background: var(--surface);
  border: 1px solid var(--line-strong);
  border-radius: var(--radius);
  width: 100%;
  position: relative;
}
.form-head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 16px 20px;
  border-bottom: 1px solid var(--line-strong);
  background: var(--ink);
  color: #fff;
}
.form-head .fh-title {
  font-family: var(--font-mono);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
}
.form-head .fh-secure {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  font-family: var(--font-mono);
  font-size: 10.5px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: rgba(255,255,255,.7);
}
.form-head .fh-secure svg { width: 13px; height: 13px; }
.form-body { padding: 8px; }
.form-container iframe {
  display: block;
  width: 100%;
  border: none;
  border-radius: 0;
  background: var(--surface);
}

/* ===================== STEPS ===================== */
.steps-section {
  background: var(--bg);
  padding: 84px 0;
  border-bottom: 1px solid var(--line-strong);
}
.steps-inner { max-width: var(--max-w); margin: 0 auto; padding: 0 var(--pad); }
.section-head {
  display: grid;
  grid-template-columns: 1fr;
  gap: 18px;
  border-top: 1px solid var(--line-strong);
  padding-top: 22px;
  margin-bottom: 56px;
}
@media (min-width: 820px) {
  .section-head { grid-template-columns: minmax(0,1fr) minmax(0,1fr); gap: 48px; align-items: end; }
}
.section-kicker { color: var(--accent); }
.section-kicker .idx { color: var(--ink); margin-right: 10px; }
.section-title {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: clamp(30px, 4vw, 46px);
  letter-spacing: -0.035em;
  line-height: 1.0;
  margin: 12px 0 0;
  color: var(--ink);
}
.section-title em { font-style: normal; color: var(--accent); }
.section-lead {
  font-size: 16px;
  color: var(--ink-soft);
  margin: 0;
  text-wrap: pretty;
  align-self: end;
}

.steps-grid {
  display: grid;
  grid-template-columns: 1fr;
  border-top: 1px solid var(--line-strong);
}
@media (min-width: 820px) {
  .steps-grid { grid-template-columns: repeat(3, 1fr); }
}
.step-card {
  padding: 28px 28px 34px 0;
  border-bottom: 1px solid var(--line);
  position: relative;
}
@media (min-width: 820px) {
  .step-card { padding: 30px 30px 60px; }
  .step-card:not(:first-child) { border-left: 1px solid var(--line); }
  .step-card:first-child { padding-left: 0; }
}
.step-num {
  font-family: var(--font-mono);
  font-weight: 700;
  font-size: 13px;
  letter-spacing: 0.1em;
  color: var(--accent);
  display: block;
  margin-bottom: 26px;
}
.step-card h3 {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 22px;
  letter-spacing: -0.02em;
  margin: 0 0 10px;
  color: var(--ink);
  line-height: 1.1;
}
.step-card p {
  font-size: 15px;
  color: var(--ink-soft);
  margin: 0;
  line-height: 1.55;
  max-width: 30ch;
}

/* ===================== PURPOSES ===================== */
.purposes-section {
  background: var(--bg-alt);
  padding: 84px 0;
  border-bottom: 1px solid var(--line-strong);
}
.purposes-inner { max-width: var(--max-w); margin: 0 auto; padding: 0 var(--pad); }
.purpose-list {
  border-top: 1px solid var(--line-strong);
}
.purpose-row {
  display: grid;
  grid-template-columns: 64px minmax(0, 280px) 1fr;
  align-items: baseline;
  gap: 18px;
  padding: 22px 0;
  border-bottom: 1px solid var(--line);
  transition: padding-left .2s ease, background .2s ease;
}
.purpose-row:hover { padding-left: 14px; }
.purpose-row .p-idx {
  font-family: var(--font-mono);
  font-weight: 700;
  font-size: 13px;
  color: var(--muted);
  letter-spacing: 0.06em;
}
.purpose-row:hover .p-idx { color: var(--accent); }
.purpose-row .p-name {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: clamp(20px, 2.4vw, 27px);
  letter-spacing: -0.025em;
  color: var(--ink);
  line-height: 1.05;
}
.purpose-row .p-desc {
  font-size: 14.5px;
  color: var(--ink-soft);
  line-height: 1.5;
  text-wrap: pretty;
}
@media (max-width: 700px) {
  .purpose-row { grid-template-columns: 40px 1fr; gap: 10px 14px; }
  .purpose-row .p-desc { grid-column: 2; }
}

/* ===================== CTA BAND ===================== */
.cta-band {
  background: var(--inverse);
  color: #fff;
  padding: 0;
  border-bottom: 1px solid var(--line-strong);
}
.cta-band-inner {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 var(--pad);
  display: grid;
  grid-template-columns: 1fr;
}
@media (min-width: 860px) {
  .cta-band-inner { grid-template-columns: minmax(0, 1fr) 360px; }
}
.cta-copy-cell {
  padding: 70px 0 70px;
}
@media (min-width: 860px) {
  .cta-copy-cell { padding: 80px 56px 80px 0; border-right: 1px solid var(--line-inverse); }
}
.cta-band-copy {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: clamp(30px, 4vw, 52px);
  line-height: 0.98;
  letter-spacing: -0.035em;
  margin: 0;
  color: #fff;
  text-wrap: balance;
}
.cta-band-copy em { font-style: normal; color: var(--accent); }
.cta-action-cell {
  padding: 44px 0 70px;
  display: flex;
  flex-direction: column;
  justify-content: center;
  gap: 24px;
}
@media (min-width: 860px) {
  .cta-action-cell { padding: 80px 0 80px 56px; }
}
.cta-button {
  display: inline-flex;
  align-items: center;
  justify-content: space-between;
  gap: 14px;
  padding: 20px 24px;
  background: var(--accent);
  color: #fff;
  text-decoration: none;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 19px;
  letter-spacing: -0.01em;
  border-radius: var(--radius);
  border: none;
  cursor: pointer;
  transition: background .15s ease, transform .12s ease;
}
.cta-button:hover { background: #fff; color: var(--ink); }
.cta-button svg { width: 22px; height: 22px; }
.cta-band-meta {
  display: flex;
  flex-direction: column;
  gap: 0;
  border-top: 1px solid var(--line-inverse);
}
.cta-band-meta span {
  font-family: var(--font-mono);
  font-size: 11px;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: rgba(255,255,255,.62);
  padding: 11px 0;
  border-bottom: 1px solid var(--line-inverse);
}

/* ===================== DISCLAIMER ===================== */
.disclaimer {
  background: var(--bg);
  padding: 64px 0;
  border-bottom: 1px solid var(--line-strong);
}
.disclaimer-content {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 var(--pad);
  font-size: 12.5px;
  line-height: 1.7;
  color: var(--muted);
}
.disclaimer-content::before {
  content: "Legal Disclosures";
  display: block;
  font-family: var(--font-mono);
  font-weight: 700;
  font-size: 11px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--ink);
  padding-top: 20px;
  border-top: 1px solid var(--line-strong);
  margin-bottom: 22px;
}
.disclaimer-content p { margin: 0 0 16px; }
.disclaimer-content p:last-child { margin-bottom: 0; }
.disclaimer-content strong { color: var(--ink-soft); font-weight: 700; }

/* ===================== FOOTER ===================== */
.footer-floating-card {
  background: var(--inverse);
  color: #C9C9C4;
  font-family: var(--font-body);
  padding: 0;
}
.footer-floating-card *,
.footer-floating-card *::before,
.footer-floating-card *::after { box-sizing: border-box; }

.footer-inner {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 var(--pad);
}

.footer-floating-card .accent-card {
  display: grid;
  grid-template-columns: 1fr;
  gap: 28px;
  padding: 56px 0 48px;
  border-bottom: 1px solid var(--line-inverse);
}
@media (min-width: 860px) {
  .footer-floating-card .accent-card {
    grid-template-columns: minmax(0,1fr) minmax(0, 560px);
    gap: 56px;
    align-items: center;
  }
}
.footer-floating-card .accent-kicker {
  font-family: var(--font-mono);
  font-size: 11px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  font-weight: 700;
  color: var(--accent);
  margin-bottom: 16px;
}
.footer-floating-card .accent-headline {
  font-family: var(--font-display);
  font-size: clamp(26px, 3.2vw, 38px);
  font-weight: 700;
  letter-spacing: -0.03em;
  margin: 0 0 10px;
  line-height: 1.0;
  color: #fff;
}
.footer-floating-card .accent-sub {
  font-size: 15px;
  margin: 0;
  color: #9C9C97;
  line-height: 1.5;
  max-width: 42ch;
}

.footer-floating-card .ca-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  border: 1px solid var(--line-inverse);
}
@media (max-width: 460px) {
  .footer-floating-card .ca-row { grid-template-columns: 1fr; }
  .footer-floating-card .ca:first-child { border-bottom: 1px solid var(--line-inverse); }
}
.footer-floating-card .ca {
  position: relative;
  display: flex;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  padding: 22px 48px 22px 22px;
  text-decoration: none;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 17px;
  letter-spacing: -0.01em;
  line-height: 1.1;
  cursor: pointer;
  transition: background .15s ease, color .15s ease;
}
.footer-floating-card .ca + .ca { border-left: 1px solid var(--line-inverse); }
@media (max-width: 460px) {
  .footer-floating-card .ca + .ca { border-left: none; }
}
.footer-floating-card .ca::after {
  content: "\2192";
  position: absolute;
  top: 22px;
  right: 20px;
  font-size: 18px;
  transition: transform .15s ease;
}
.footer-floating-card .ca:hover::after,
.footer-floating-card .ca:focus-visible::after { transform: translateX(4px); }
.footer-floating-card .ca .ca-sub {
  font-family: var(--font-mono);
  font-size: 11px;
  font-weight: 400;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  opacity: 0.7;
}
.footer-floating-card .ca.primary { background: var(--accent); color: #fff; }
.footer-floating-card .ca.primary:hover { background: #fff; color: var(--ink); }
.footer-floating-card .ca.secondary { background: transparent; color: #fff; }
.footer-floating-card .ca.secondary:hover { background: rgba(255,255,255,.08); }
.footer-floating-card .ca:focus-visible { outline: 2px solid var(--accent); outline-offset: -2px; }

.footer-floating-card .links {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px 28px;
  padding: 52px 0;
}
@media (min-width: 720px) {
  .footer-floating-card .links { grid-template-columns: repeat(3, 1fr); }
}
.footer-floating-card .links .col-full { grid-column: 1 / -1; }
@media (min-width: 720px) {
  .footer-floating-card .links .col-full { grid-column: auto; }
}
.footer-floating-card .col-title {
  font-family: var(--font-mono);
  font-size: 11px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  font-weight: 700;
  margin-bottom: 18px;
  padding-bottom: 12px;
  border-bottom: 1px solid var(--line-inverse);
  color: var(--accent);
}
.footer-floating-card .col-link {
  display: block;
  font-size: 14px;
  padding: 8px 0;
  text-decoration: none;
  color: #A7A7A2;
  transition: color .15s ease, padding-left .15s ease;
  cursor: pointer;
}
.footer-floating-card .col-link:hover,
.footer-floating-card .col-link:focus-visible {
  color: #fff;
  outline: none;
  padding-left: 6px;
}

.footer-floating-card .meta {
  padding: 26px 0 40px;
  border-top: 1px solid var(--line-inverse);
  font-size: 12.5px;
  line-height: 1.6;
  color: #7E7E79;
  display: flex;
  flex-direction: column;
  gap: 16px;
}
@media (min-width: 720px) {
  .footer-floating-card .meta {
    flex-direction: row;
    justify-content: space-between;
    align-items: flex-start;
    gap: 24px;
  }
}
.footer-floating-card .meta-divider { display: none; }
.footer-floating-card .meta-left { display: flex; flex-direction: column; gap: 3px; }
.footer-floating-card .meta-name {
  font-family: var(--font-display);
  font-size: 15px;
  font-weight: 700;
  letter-spacing: -0.01em;
  color: #E6E6E2;
}
.footer-floating-card .meta-address {
  font-family: var(--font-mono);
  font-size: 12px;
  letter-spacing: 0.02em;
  color: #7E7E79;
}
.footer-floating-card .meta-copy {
  font-family: var(--font-mono);
  font-size: 11.5px;
  letter-spacing: 0.04em;
  color: #7E7E79;
}

/* ===================== POPUP ===================== */
.popup-overlay {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(14, 14, 14, .6);
  z-index: 1000;
  align-items: center;
  justify-content: center;
  padding: 20px;
  backdrop-filter: blur(4px);
}
.popup-overlay[aria-hidden="false"] { display: flex; }
.popup-content {
  background: var(--surface);
  border: 1px solid var(--line-strong);
  border-radius: var(--radius);
  max-width: 720px;
  width: 100%;
  max-height: 86vh;
  overflow-y: auto;
  padding: 40px 36px;
  position: relative;
}
.popup-close {
  position: absolute;
  top: 14px;
  right: 14px;
  background: var(--bg);
  border: 1px solid var(--line-strong);
  width: 38px;
  height: 38px;
  border-radius: var(--radius);
  font-size: 20px;
  line-height: 1;
  cursor: pointer;
  color: var(--ink);
  transition: background .15s ease, color .15s ease;
}
.popup-close:hover { background: var(--ink); color: #fff; }

.sr-only {
  position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;
}

/* Force popup form buttons to match site accent */
#popup-body button,
#popup-body input[type="submit"],
#popup-body input[type="button"] {
  background: var(--accent) !important;
  background-image: none !important;
  border-color: var(--accent) !important;
  color: #ffffff !important;
}
#popup-body button:hover,
#popup-body input[type="submit"]:hover,
#popup-body input[type="button"]:hover {
  background: var(--accent-deep) !important;
  border-color: var(--accent-deep) !important;
}