:root{
 --navy:#04182f;--navy2:#08294e;--navy3:#0e365f;
 --gold:#d9aa39;--gold2:#f1ca5a;--green:#0b714d;
 --ink:#0b1f3a;--muted:#667386;--line:#dce2e8;
 --paper:#f7f8f9;--white:#fff;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:#fff;line-height:1.5}
a{text-decoration:none;color:inherit}
img{max-width:100%;display:block}
button,input,select,textarea{font:inherit}

/* top utility bar */
.topbar{
 height:38px;background:#fff;color:#061a35;
 display:flex;align-items:center;justify-content:space-between;
 padding:0 4%;font-size:12px;letter-spacing:.01em;
 border-bottom:1px solid #e4e8ec
}
.topbar .left,.topbar .right{display:flex;gap:25px;align-items:center}
.topbar a{color:#061a35}
.topbar .goldtop{
 background:linear-gradient(180deg,#e2b744,#c99222);
 color:#06162a!important;padding:11px 18px;height:38px;font-weight:900
}

/* white prestige navigation */
.header{
 height:96px;background:#fff;display:flex;align-items:center;justify-content:space-between;
 padding:0 4%;border-bottom:1px solid #e4e8ec;position:sticky;top:0;z-index:50
}
.brandlogo{width:352px;height:78px;object-fit:contain;object-position:left center}
.nav{display:flex;gap:25px;align-items:center;text-transform:uppercase;font-size:11px;font-weight:900;color:#071a35}
.nav a{position:relative;padding:38px 0 35px}
.nav a:hover{color:#b88320}
.nav a:first-child:after{
 content:"";position:absolute;left:0;right:0;bottom:22px;height:2px;background:var(--gold)
}
.nav .drop:after{content:" ▾";color:var(--gold);position:static;background:none;height:auto}

/* hero */
.hero{
 min-height:500px;
 background:
   linear-gradient(90deg,rgba(4,19,40,.99) 0%,rgba(4,19,40,.94) 39%,rgba(4,19,40,.54) 62%,rgba(4,19,40,.10) 100%),
   url('/assets/hero-buildings.jpg') center right/cover no-repeat;
 color:#fff;position:relative;overflow:hidden
}
.hero:after{
 content:"";position:absolute;left:0;right:0;bottom:-6px;height:115px;
 background:linear-gradient(166deg,transparent 0 52%,#d4a43c 53% 55%,#0a704c 56% 60%,#04182f 61%);
 z-index:1
}
.hero-inner{position:relative;z-index:2;padding:27px 4% 88px;max-width:755px}
.hero-logo{
 width:420px;max-height:300px;object-fit:contain;object-position:left center;
 filter:drop-shadow(0 7px 16px rgba(0,0,0,.22))
}
.service-row{
 display:flex;gap:8px;flex-wrap:wrap;align-items:center;
 margin:7px 0 9px;font-size:11px;font-weight:900;color:#fff
}
.service-row span{display:flex;align-items:center;gap:5px}
.service-row b{color:var(--gold2);font-size:16px}
.hero h1{
 font-family:Georgia,serif;font-size:29px;font-weight:500;letter-spacing:.055em;
 margin:9px 0 8px;color:#fff;text-transform:capitalize
}
.hero p{font-size:13px;color:#e8eef4;max-width:585px;margin:0}
.buttons{display:flex;gap:14px;flex-wrap:wrap;margin-top:18px}
.btn{
 display:inline-block;padding:13px 20px;font-size:10px;font-weight:900;
 text-transform:uppercase;letter-spacing:.04em;border-radius:2px
}
.btn.gold{background:linear-gradient(180deg,#e6bd4a,#d39b28);color:#06182e}
.btn.outline{border:1px solid #e0e7ef;color:#fff}
.btn.navy{background:var(--navy);color:#fff}

/* benefit strip */
.pillars{
 display:grid;grid-template-columns:repeat(4,1fr);
 padding:15px 4%;background:#fff;border-bottom:1px solid #edf0f2
}
.pillar{text-align:center;padding:12px 28px;border-right:1px solid var(--line)}
.pillar:last-child{border:0}
.pillar .ico{font-size:29px;color:var(--green);line-height:1}
.pillar h3{
 font-family:Georgia,serif;color:#071a35;font-size:14px;margin:8px 0 4px;
 text-transform:uppercase
}
.pillar p{font-size:10px;color:#44546a;margin:0 auto;max-width:220px}

/* shared sections */
.section{padding:48px 4%}
.center{text-align:center;max-width:820px;margin:auto}
.eyebrow{
 font-size:10px;color:#bd8421;font-weight:900;text-transform:uppercase;
 letter-spacing:.16em
}
.section h2{
 font-family:Georgia,serif;color:#071a35;font-size:30px;font-weight:500;
 margin:5px 0 14px
}
.intro{color:var(--muted);font-size:13px}

/* financing cards */
.cards{
 display:grid;grid-template-columns:repeat(5,1fr);gap:16px;
 max-width:1230px;margin:28px auto 0
}
.card{
 background:#fff;border:1px solid #dfe4e8;
 box-shadow:0 7px 18px rgba(3,25,51,.08);
 overflow:hidden;border-radius:2px;transition:.18s ease
}
.card:hover{transform:translateY(-3px);box-shadow:0 12px 28px rgba(3,25,51,.13)}
.card img{width:100%;height:118px;object-fit:cover}
.card-body{padding:17px 15px 16px;text-align:center}
.card h3{
 font-family:Georgia,serif;font-size:15px;line-height:1.1;
 color:#071a35;margin:0 0 8px;text-transform:uppercase
}
.card p{font-size:10px;color:#44546a;min-height:74px;margin:0 0 11px}
.learn{font-size:9px;color:#087047;font-weight:900;text-transform:uppercase}

/* consultation band */
.band{
 background:
 linear-gradient(90deg,#03172f,#08284a);
 color:#fff;padding:24px 10%;display:flex;justify-content:space-between;
 align-items:center;gap:30px;border-top:1px solid rgba(255,255,255,.05)
}
.band h2{font-family:Georgia,serif;font-size:22px;font-weight:500;margin:0}
.band p{font-size:11px;color:#dce4ed;margin:3px 0}

/* financial tools premium strip */
.tools-strip{
 background:#04182f;color:#fff;max-width:1240px;margin:0 auto 26px;
 display:grid;grid-template-columns:repeat(6,1fr);border-radius:2px;
 box-shadow:0 7px 20px rgba(3,25,51,.16);overflow:hidden
}
.tool-mini{
 padding:17px 13px;text-align:center;border-right:1px solid rgba(255,255,255,.16)
}
.tool-mini:last-child{border-right:0}
.tool-mini .tool-icon{font-size:25px;color:var(--gold2);margin-bottom:6px}
.tool-mini h4{font-size:10px;margin:0;color:#fff}
.tool-mini p{font-size:9px;color:#cbd6e0;margin:4px 0}
.tool-mini.review{background:#071d3a}
.tool-mini.review a{display:inline-block;border:1px solid var(--gold);padding:10px;color:var(--gold2);font-size:10px;font-weight:900}

/* process */
.process{background:#fff;padding-top:25px}
.process-grid{
 display:grid;grid-template-columns:repeat(5,1fr);gap:17px;
 max-width:1160px;margin:22px auto 0;text-align:center
}
.circle{
 width:58px;height:58px;margin:auto;border-radius:50%;
 background:#061a35;border:2px solid var(--gold);
 display:grid;place-items:center;color:#fff;font-size:18px
}
.step h4{font-size:10px;margin:8px 0 4px;color:#061a35}
.step p{font-size:9px;color:#435268;max-width:170px;margin:auto}

/* partner toolkit block */
.partner-grid,.directory{
 display:grid;grid-template-columns:repeat(3,1fr);gap:18px;
 max-width:1150px;margin:28px auto 0
}
.partner-card,.directory-card{
 background:#fff;border:1px solid var(--line);padding:23px;
 box-shadow:0 5px 15px rgba(4,24,47,.05)
}
.partner-card h3,.directory-card h3{
 font-family:Georgia,serif;color:#061a35;margin-top:0;font-size:19px
}
.partner-card p,.directory-card p{font-size:12px;color:var(--muted)}
.partner-card a,.directory-card a{font-size:10px;color:#087047;font-weight:900}
.tool-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;max-width:1100px;margin:28px auto 0}
.tool-card{background:#fff;border:1px solid var(--line);padding:22px}
.tool-card h3{font-family:Georgia,serif;color:#061a35}
.tool-card p{font-size:12px;color:var(--muted)}

/* inner page visual system */
.page-hero{
 background:
 linear-gradient(90deg,rgba(4,22,46,.97),rgba(4,22,46,.80)),
 url('/assets/hero-buildings.jpg') center 48%/cover no-repeat;
 color:#fff;padding:70px 7%;border-bottom:4px solid var(--gold)
}
.page-hero h1{
 font-family:Georgia,serif;font-size:42px;font-weight:500;margin:7px 0;color:#fff
}
.page-hero p{max-width:820px;color:#dfe8f0}
.content{max-width:1080px;margin:auto;padding:40px 5%}
.content h2{font-family:Georgia,serif;color:#061a35}
.content p,.content li{color:#4d5c70;font-size:14px}
.content-box{
 border:1px solid var(--line);padding:25px;margin:18px 0;background:#fff;
 box-shadow:0 5px 16px rgba(5,26,53,.05)
}

/* forms */
.form{
 background:#fff;border:1px solid var(--line);padding:27px;max-width:810px;
 margin:30px auto;box-shadow:0 8px 22px rgba(4,24,47,.07)
}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px 18px}
.form .full{grid-column:1/-1}
.form label{display:block;font-size:11px;font-weight:900;color:#061a35;margin-top:5px}
.form input,.form select,.form textarea{
 width:100%;padding:12px;border:1px solid #cdd5dc;margin-top:5px;background:#fff
}
.form button{
 width:100%;margin-top:18px;border:0;background:linear-gradient(180deg,#0b2f56,#061a35);
 color:#fff;padding:13px;font-weight:900
}
.conditional{display:none}
.note{font-size:10px;color:#738093}

/* calculators */
.toolbox{
 max-width:720px;margin:30px auto;background:#fff;border:1px solid var(--line);
 padding:27px;box-shadow:0 8px 22px rgba(4,24,47,.07)
}
.toolbox label{display:block;font-size:11px;font-weight:900;color:#061a35;margin-top:12px}
.toolbox input{width:100%;padding:12px;border:1px solid #cdd5dc;margin-top:5px}
.toolbox button{
 width:100%;margin-top:18px;border:0;background:#061a35;color:#fff;padding:13px;font-weight:900
}
.result{
 margin-top:18px;padding:16px;background:#f4f6f8;border-left:4px solid var(--gold);
 font-family:Georgia,serif;color:#061a35;font-size:20px
}

/* footer */
.footer{
 background:linear-gradient(90deg,#03172f,#08284a);color:#fff;padding:27px 4% 12px
}
.footer-grid{
 display:grid;grid-template-columns:1.7fr 1fr 1fr 1fr;gap:30px;max-width:1200px;margin:auto
}
.footer-logo{width:275px;max-height:92px;object-fit:contain;background:#fff;padding:4px}
.footer h4{font-size:10px;color:#f0c85b;margin-bottom:8px}
.footer a,.footer p{display:block;font-size:10px;color:#d9e3ec;margin:5px 0}
.copyright{
 max-width:1200px;margin:19px auto 0;border-top:1px solid #28415e;
 padding-top:9px;font-size:8px;color:#aebac6
}

/* responsive */
@media(max-width:1050px){
 .nav{gap:11px}.cards{grid-template-columns:repeat(3,1fr)}
 .tools-strip{grid-template-columns:repeat(3,1fr)}
 .partner-grid,.tool-grid,.directory{grid-template-columns:1fr 1fr}
 .process-grid{grid-template-columns:repeat(3,1fr)}
}
@media(max-width:800px){
 .topbar .right{display:none}.header{height:76px}.brandlogo{width:275px;height:62px}
 .nav a:not(:last-child){display:none}.nav a{padding:0}
 .hero-inner{padding-left:5%}.hero-logo{width:350px;max-height:250px}
 .pillars{grid-template-columns:1fr 1fr}.cards{grid-template-columns:1fr 1fr}
 .band{display:block;text-align:center}.band .btn{margin-top:12px}
 .tools-strip{grid-template-columns:1fr 1fr}
 .partner-grid,.tool-grid,.directory{grid-template-columns:1fr}
 .process-grid{grid-template-columns:1fr 1fr}
 .form-grid{grid-template-columns:1fr}.form .full{grid-column:auto}
 .footer-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:520px){
 .cards,.pillars,.process-grid,.footer-grid,.tools-strip{grid-template-columns:1fr}
 .hero h1{font-size:25px}.hero-logo{width:310px}
 .buttons{flex-direction:column}.buttons .btn{text-align:center}.page-hero h1{font-size:31px}
}

.seo-trust-note{max-width:1080px;margin:0 auto 22px;padding:14px 18px;background:#f7f8f9;border-left:3px solid var(--gold);font-size:11px;color:#536174}
.seo-trust-note strong{color:#061a35}.seo-related ul{columns:2;column-gap:30px;padding-left:20px}.seo-related li{margin:7px 0}.seo-related a{color:#087047;font-weight:700}
@media(max-width:650px){.seo-related ul{columns:1}}

/* === CMCC production correction: crisp hero brand lockup === */
.hero-brand-lockup{
  display:flex;
  flex-direction:column;
  align-items:flex-start;
  width:430px;
  max-width:90%;
  margin-bottom:8px;
}
.hero-emblem-art{
  width:235px!important;
  height:165px!important;
  object-fit:cover!important;
  object-position:center top!important;
  margin-left:22px;
  filter:drop-shadow(0 6px 14px rgba(0,0,0,.28));
}
.hero-text-lockup{
  position:relative;
  width:100%;
  margin-top:-8px;
  text-align:left;
  font-family:Georgia,"Times New Roman",serif;
  text-shadow:0 2px 7px rgba(0,0,0,.35);
}
.hero-the{
  color:#fff;
  font-size:13px;
  letter-spacing:.48em;
  margin-left:185px;
  margin-bottom:-2px;
}
.hero-chris{
  color:#fff!important;
  font-size:44px;
  line-height:1;
  letter-spacing:.035em;
  white-space:nowrap;
}
.hero-capital{
  display:inline-block;
  color:var(--gold2)!important;
  font-size:17px;
  letter-spacing:.18em;
  margin-top:5px;
  padding:0 12px;
  position:relative;
}
.hero-capital:before,.hero-capital:after{
  content:"";
  position:absolute;
  top:50%;
  width:38px;
  height:1px;
  background:var(--gold);
}
.hero-capital:before{right:100%}
.hero-capital:after{left:100%}
.fallback-lockup{margin-bottom:8px}
@media(max-width:800px){
  .hero-brand-lockup{width:350px}
  .hero-emblem-art{width:190px!important;height:138px!important;margin-left:16px}
  .hero-the{margin-left:145px;font-size:11px}
  .hero-chris{font-size:35px}
  .hero-capital{font-size:14px}
}
@media(max-width:520px){
  .hero-brand-lockup{width:300px}
  .hero-chris{font-size:30px}
  .hero-capital{font-size:12px;letter-spacing:.14em}
}
/* 2026-08-20 final hero brand correction: one emblem + one clean text lockup */
.hero-logo{width:330px!important;max-height:260px!important;object-fit:contain;object-position:center center;display:block;margin:0 auto 4px!important}
.hero-text-lockup{text-align:center!important;margin-top:0!important}
.hero-the{margin-left:0!important;text-align:center!important;color:#fff!important}
.hero-chris{color:#fff!important;text-align:center!important}
.hero-capital{color:var(--gold2)!important}
@media(max-width:800px){.hero-logo{width:280px!important;max-height:220px!important}}
@media(max-width:520px){.hero-logo{width:235px!important;max-height:190px!important}.hero-chris{white-space:normal!important}}