/* ACESSI shared design system — single source, copied into every desk build */
:root{
  --navy:#153259;
  --navy-deep:#0d2140;
  --navy-ink:#0f2747;
  --ink:#16202c;
  --ink-2:#3d4a5a;
  --ink-3:#6b7684;
  --rule:#d5dbe3;
  --rule-soft:#e6eaef;
  --mist:#f2f5f8;
  --paper:#ffffff;
  --silver:#b7c0cb;
  --silver-light:#dfe5ec;
  --amber:#8a5a12;
  --amber-bg:#fbf4e6;
  --amber-line:#e8cf9a;
  --serif:"Iowan Old Style","Palatino Linotype",Palatino,"Book Antiqua","Times New Roman",serif;
  --sans:"Avenir Next",Avenir,"Segoe UI",Roboto,"Helvetica Neue",Helvetica,Arial,sans-serif;
  --measure:64ch;
  --wide:1160px;
}
*{box-sizing:border-box}
[id]{scroll-margin-top:92px}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important;animation:none!important}}
body{margin:0;background:var(--paper);color:var(--ink);font-family:var(--sans);font-size:16px;line-height:1.6;-webkit-font-smoothing:antialiased}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
:focus-visible{outline:2px solid var(--navy);outline-offset:3px;border-radius:2px}
.wrap{width:min(var(--wide),calc(100% - 48px));margin:0 auto}
.skip{position:absolute;left:-999px;top:8px;background:var(--navy);color:#fff;padding:8px 12px;z-index:100}
.skip:focus{left:8px}

/* Header */
.hdr{position:sticky;top:0;z-index:40;background:rgba(255,255,255,.96);backdrop-filter:blur(10px);border-bottom:1px solid var(--rule-soft)}
.hdr-in{min-height:76px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.brand{display:flex;align-items:center;gap:16px}
.brand img{height:44px;width:auto}
.desk{font-family:var(--serif);font-size:19px;color:var(--navy);padding-left:16px;border-left:1px solid var(--rule);line-height:1;white-space:nowrap}
.navl{display:flex;align-items:center;gap:24px;font-size:14.5px;color:var(--ink-2)}
.navl a:hover{color:var(--navy)}
.navl .lang{border-left:1px solid var(--rule);padding-left:18px;color:var(--ink-3);font-size:13px}
.navl .lang a{padding:0 3px}
.navl .lang .on{color:var(--navy);font-weight:600}
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:44px;padding:0 20px;border:1px solid var(--navy);font:inherit;font-size:14.5px;font-weight:600;letter-spacing:.005em;cursor:pointer;transition:background .15s,color .15s,border-color .15s;border-radius:3px}
.btn-solid{background:var(--navy);color:#fff}
.btn-solid:hover{background:var(--navy-deep)}
.btn-line{background:transparent;color:var(--navy)}
.btn-line:hover{background:var(--mist)}
.btn-ghost{border-color:rgba(255,255,255,.45);color:#fff}
.btn-ghost:hover{background:rgba(255,255,255,.08)}
.menu-btn{display:none;border:1px solid var(--rule);background:#fff;width:44px;height:44px;border-radius:3px;font-size:20px;color:var(--navy);cursor:pointer}

/* Hero */
.hero{padding:88px 0 76px;border-bottom:1px solid var(--rule-soft)}
.hero-g{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(300px,.85fr);gap:64px;align-items:start}
.pre{font-size:14px;color:var(--ink-3);margin:0 0 18px}
h1{font-family:var(--serif);font-weight:400;font-size:clamp(40px,5.2vw,66px);line-height:1.04;letter-spacing:-.015em;margin:0 0 24px;color:var(--navy-ink);max-width:16ch}
.lead{font-size:19px;line-height:1.55;color:var(--ink-2);max-width:var(--measure);margin:0}
.doors{display:grid;grid-template-columns:1fr 1fr;gap:1px;background:var(--rule);border:1px solid var(--rule);margin-top:40px;max-width:720px}
.door{background:#fff;padding:22px 24px;display:block;transition:background .15s}
.door:hover{background:var(--mist)}
.door small{display:block;font-size:13px;color:var(--ink-3);margin-bottom:6px}
.door span{font-family:var(--serif);font-size:22px;color:var(--navy);line-height:1.2}
.door em{display:block;font-style:normal;font-size:13.5px;color:var(--ink-2);margin-top:8px}

/* Transaction sheet — the one bold element */
.sheet{background:var(--navy);color:#fff;padding:30px 30px 26px;position:relative;border-radius:4px;box-shadow:0 30px 60px -30px rgba(13,33,64,.55)}
.sheet h3{font-family:var(--serif);font-weight:400;font-size:24px;line-height:1.2;margin:0 0 6px}
.sheet .sub{margin:0 0 22px;color:var(--silver-light);font-size:14px}
.sheet dl{margin:0;border-top:1px solid rgba(255,255,255,.22)}
.sheet .row{display:grid;grid-template-columns:36% 1fr;gap:16px;padding:12px 0;border-bottom:1px solid rgba(255,255,255,.14);font-size:14px}
.sheet dt{margin:0;color:var(--silver)}
.sheet dd{margin:0;color:#fff}
.sheet .foot{margin:18px 0 0;font-size:12.5px;color:var(--silver);line-height:1.5}

/* Sections */
.sec{padding:84px 0}
.sec.tint{background:var(--mist)}
.sec.dark{background:var(--navy-deep);color:#fff}
.sec-h{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:48px;align-items:end;margin-bottom:44px}
.sec-h h2{font-family:var(--serif);font-weight:400;font-size:clamp(30px,3.6vw,44px);line-height:1.12;letter-spacing:-.01em;margin:0;color:var(--navy-ink);max-width:20ch}
.dark .sec-h h2{color:#fff}
.sec-h p{margin:0;color:var(--ink-2);font-size:17px;max-width:var(--measure)}
.dark .sec-h p{color:var(--silver-light)}
.kick{font-size:14px;color:var(--ink-3);margin:0 0 12px}
.dark .kick{color:var(--silver)}

/* Columns separated by rules (not boxes) */
.cols{display:grid;grid-template-columns:repeat(3,1fr);border-top:1px solid var(--rule)}
.cols>div{padding:28px 28px 30px 0;border-right:1px solid var(--rule)}
.cols>div:not(:first-child){padding-left:28px}
.cols>div:last-child{border-right:0;padding-right:0}
.cols h3{font-family:var(--serif);font-weight:400;font-size:24px;line-height:1.2;margin:0 0 10px;color:var(--navy-ink)}
.cols p{margin:0;color:var(--ink-2);font-size:15.5px}
.cols ul{margin:14px 0 0;padding:0;list-style:none;color:var(--ink-3);font-size:14px}
.cols li{padding:6px 0;border-top:1px solid var(--rule-soft)}
.cols a.more{display:inline-block;margin-top:16px;color:var(--navy);font-weight:600;font-size:14.5px;border-bottom:1px solid var(--silver)}

/* Split */
.split{display:grid;grid-template-columns:minmax(0,.95fr) minmax(0,1.05fr);gap:72px;align-items:start}
.split h2{font-family:var(--serif);font-weight:400;font-size:clamp(30px,3.4vw,42px);line-height:1.12;margin:0 0 18px;color:var(--navy-ink)}
.split p{color:var(--ink-2);font-size:16.5px;max-width:var(--measure)}
.steps{border-top:1px solid var(--rule)}
.step{display:grid;grid-template-columns:44px 1fr;gap:14px;padding:22px 0;border-bottom:1px solid var(--rule)}
.step b{font-family:var(--serif);font-weight:400;font-size:22px;color:var(--navy);line-height:1}
.step h4{margin:0 0 4px;font-size:16.5px;font-weight:600}
.step p{margin:0;font-size:15px;color:var(--ink-2)}

/* Desk index (Global) */
.desks{display:grid;grid-template-columns:1fr 1fr;gap:1px;background:var(--rule);border:1px solid var(--rule)}
.desk-card{background:#fff;padding:26px 28px;display:grid;grid-template-columns:1fr auto;gap:18px;align-items:start;transition:background .15s}
.desk-card:hover{background:var(--mist)}
.desk-card h3{font-family:var(--serif);font-weight:400;font-size:23px;margin:0 0 6px;color:var(--navy-ink)}
.desk-card p{margin:0;color:var(--ink-2);font-size:15px;max-width:44ch}
.desk-card .tag{font-size:12.5px;color:var(--ink-3);white-space:nowrap;padding-top:6px}
.desk-card .st{color:var(--navy);font-weight:600;font-size:14px}

/* Locations */
.locs{display:grid;grid-template-columns:repeat(3,1fr);column-gap:36px}
.locs>div{padding:22px 0 24px;border-top:1px solid var(--rule)}
.locs strong{display:block;font-family:var(--serif);font-weight:400;font-size:22px;color:var(--navy-ink);margin-bottom:4px}
.locs span{display:block;color:var(--ink-2);font-size:14.5px}
.locs small{display:block;color:var(--ink-3);font-size:13px;margin-top:8px}

/* Band callout */
.band{display:grid;grid-template-columns:1fr auto;gap:36px;align-items:center;padding:36px 0 0;border-top:1px solid rgba(255,255,255,.2)}
.band h3{font-family:var(--serif);font-weight:400;font-size:clamp(26px,3vw,36px);margin:0 0 8px;line-height:1.15}
.band p{margin:0;color:var(--silver-light);max-width:60ch}

/* Form */
.form-g{display:grid;grid-template-columns:minmax(0,.85fr) minmax(0,1.15fr);gap:56px;align-items:start}
.form-g h2{font-family:var(--serif);font-weight:400;font-size:clamp(30px,3.4vw,42px);line-height:1.12;margin:0 0 16px;color:var(--navy-ink)}
.form-g p{color:var(--ink-2)}
.note{background:var(--amber-bg);border:1px solid var(--amber-line);color:var(--amber);padding:12px 14px;font-size:13.5px;line-height:1.5;margin-top:20px;max-width:52ch}
.form{display:grid;grid-template-columns:1fr 1fr;gap:16px 18px}
.f{display:grid;gap:6px}
.f.full{grid-column:1/-1}
label{font-size:13.5px;font-weight:600;color:var(--ink-2)}
input,select,textarea{width:100%;border:1px solid #c6cfda;border-radius:3px;padding:12px 13px;font:inherit;font-size:15px;background:#fff;color:var(--ink)}
input:focus,select:focus,textarea:focus{border-color:var(--navy);outline:none;box-shadow:0 0 0 3px rgba(21,50,89,.12)}
textarea{min-height:120px;resize:vertical}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:13.5px;color:var(--ink-2);font-weight:400}
.consent input{width:18px;height:18px;margin-top:2px;flex:none}
.hp{position:absolute;left:-9999px;opacity:0;height:0;width:0}
.status{grid-column:1/-1;min-height:22px;font-size:14px;color:var(--navy)}
.status.err{color:#8a2a2a}

/* Bankability */
.bk-intro{max-width:var(--measure)}
.qs{display:grid;gap:0;border-top:1px solid var(--rule);margin-top:36px;max-width:820px}
.q{padding:22px 0;border-bottom:1px solid var(--rule)}
.q legend,.q .ql{font-weight:600;font-size:16px;margin:0 0 12px;padding:0;color:var(--ink)}
.q fieldset{border:0;margin:0;padding:0}
.opts{display:flex;flex-wrap:wrap;gap:8px}
.opt{position:relative}
.opt input{position:absolute;opacity:0;inset:0;width:100%;height:100%;margin:0;cursor:pointer}
.opt span{display:inline-block;padding:9px 14px;border:1px solid #c6cfda;border-radius:3px;font-size:14.5px;color:var(--ink-2);background:#fff}
.opt input:checked+span{border-color:var(--navy);background:var(--navy);color:#fff}
.opt input:focus-visible+span{outline:2px solid var(--navy);outline-offset:2px}
.bk-actions{margin-top:28px;display:flex;gap:12px;flex-wrap:wrap;align-items:center}
.res{margin-top:44px;border:1px solid var(--rule);max-width:820px}
.res-h{background:var(--navy);color:#fff;padding:26px 28px;display:grid;grid-template-columns:1fr auto;gap:20px;align-items:center}
.res-h h3{font-family:var(--serif);font-weight:400;font-size:26px;margin:0 0 4px}
.res-h p{margin:0;color:var(--silver-light);font-size:14.5px;max-width:52ch}
.res-h .lvl{font-family:var(--serif);font-size:38px;line-height:1;text-align:right}
.res-h .lvl small{display:block;font-family:var(--sans);font-size:12.5px;color:var(--silver);margin-top:6px}
.res-b{padding:8px 28px 26px}
.res-row{display:grid;grid-template-columns:1fr auto;gap:20px;padding:14px 0;border-bottom:1px solid var(--rule-soft);font-size:15px}
.res-row:last-child{border-bottom:0}
.res-row .k{color:var(--ink)}
.res-row .v{color:var(--ink-3);white-space:nowrap}
.res-row .v.ok{color:#2b6a3e}.res-row .v.gap{color:var(--amber)}
.res-next{padding:22px 28px;border-top:1px solid var(--rule);background:var(--mist)}
.res-next h4{margin:0 0 8px;font-size:16px}
.res-next ul{margin:0 0 18px;padding-left:18px;color:var(--ink-2);font-size:14.5px}
.res-next .fine{font-size:12.5px;color:var(--ink-3);margin:14px 0 0;max-width:70ch}

/* Legal pages */
.legal-page{padding:72px 0 96px}
.legal-page .doc{max-width:72ch}
.legal-page h1{font-size:clamp(34px,4vw,48px)}
.legal-page h2{font-family:var(--serif);font-weight:400;font-size:26px;margin:36px 0 10px;color:var(--navy-ink)}
.legal-page p,.legal-page li{color:var(--ink-2);font-size:15.5px}
.legal-page .meta{color:var(--ink-3);font-size:14px;margin-bottom:28px}

/* Footer */
.ftr{background:var(--navy-deep);color:#c7d0dc;padding:56px 0 28px}
.ftr-g{display:grid;grid-template-columns:1.35fr .95fr .9fr .6fr;gap:40px}
.ftr img{height:56px;width:auto}
.ftr p{font-size:14px;color:#aab6c5;max-width:46ch;margin:18px 0 0}
.ftr h4{margin:0 0 12px;font-size:14px;color:#fff;font-weight:600}
.ftr-links{display:grid;gap:8px;font-size:14px;color:#aab6c5}
.ftr-links a:hover{color:#fff}
.desk-strip{display:flex;flex-wrap:wrap;gap:6px 14px;margin-top:22px;font-size:13.5px}
.desk-strip a{color:#aab6c5;border-bottom:1px solid transparent}
.desk-strip a:hover{color:#fff;border-color:#fff}
.desk-strip .here{color:#fff;border-color:var(--silver)}
.fine{border-top:1px solid rgba(255,255,255,.12);margin-top:40px;padding-top:20px;font-size:12.5px;line-height:1.6;color:#8d9bad}
.fine .ent{color:#c7d0dc;display:block;margin-bottom:8px}

@media (max-width:960px){
  .navl{display:none;position:absolute;top:76px;left:0;right:0;flex-direction:column;align-items:flex-start;gap:0;background:#fff;border-bottom:1px solid var(--rule);padding:8px 24px 18px}
  .navl.open{display:flex}
  .navl a{padding:12px 0;width:100%;border-bottom:1px solid var(--rule-soft)}
  .navl .lang{border-left:0;padding:12px 0 0}
  .menu-btn{display:block}
  .hdr-cta{display:none}
  .hero-g,.split,.form-g,.sec-h{grid-template-columns:1fr;gap:36px}
  .sec-h{gap:14px}
  .cols,.locs{grid-template-columns:1fr}
  .cols>div{border-right:0;border-bottom:1px solid var(--rule);padding:22px 0!important}
  .cols>div:last-child{border-bottom:0}
  .desks{grid-template-columns:1fr}
  .ftr-g{grid-template-columns:1fr 1fr}
  .band{grid-template-columns:1fr}
}
@media (max-width:600px){
  .wrap{width:min(var(--wide),calc(100% - 32px))}
  .hero{padding:56px 0 52px}
  .doors{grid-template-columns:1fr}
  .form{grid-template-columns:1fr}
  .desk{display:none}
  .brand img{height:38px}
  .sec{padding:60px 0}
  .ftr-g{grid-template-columns:1fr}
  .res-h{grid-template-columns:1fr}
  .res-h .lvl{text-align:left}
  .sheet .row{grid-template-columns:1fr;gap:2px}
}

/* Coverage */
.cov{border-top:1px solid var(--rule)}
.cov-head,.cov-row{display:grid;grid-template-columns:minmax(190px,.75fr) 1.6fr 1fr;gap:32px}
.cov-head{padding:12px 0;border-bottom:1px solid var(--rule);font-size:13px;color:var(--ink-3)}
.cov-row{padding:26px 0;border-bottom:1px solid var(--rule)}
.cov-desk h3{font-family:var(--serif);font-weight:400;font-size:24px;line-height:1.2;margin:0 0 4px;color:var(--navy-ink)}
.cov-desk span{display:block;font-size:14px;color:var(--ink-3)}
.cov-desk .more{display:inline-block;margin-top:10px;font-size:14px;font-weight:600;color:var(--navy);border-bottom:1px solid var(--silver)}
.cov-terr p{margin:0 0 10px;font-size:15px;color:var(--ink-2)}
.cov-terr p:last-child{margin-bottom:0}
.cov-terr b{display:block;font-weight:600;color:var(--ink);font-size:14.5px}
.cov-src small{display:none}
.cov-src p{margin:0;font-size:14.5px;color:var(--ink-2)}
.cov-others{margin:20px 0 0;font-size:14.5px;color:var(--ink-3)}
.cov-others a{color:var(--navy);font-weight:600;border-bottom:1px solid var(--silver)}
/* Corridors */
.corr{display:grid;grid-template-columns:1fr 1fr;column-gap:48px}
.corr-item{padding:22px 0 24px;border-top:1px solid var(--rule)}
.corr-item h3{font-family:var(--serif);font-weight:400;font-size:22px;line-height:1.25;margin:0 0 6px;color:var(--navy-ink)}
.corr-item .arr{color:var(--ink-3);padding:0 3px}
.corr-item p{margin:0;font-size:15px;color:var(--ink-2);max-width:56ch}
.corr-item small{display:block;margin-top:8px;font-size:13px;color:var(--ink-3)}
/* Footer offices */
.ftr-off{display:grid;gap:1px;margin-bottom:12px}
.ftr-off strong{color:#e3e9f0;font-weight:600;font-size:14px}
.ftr-off span{font-size:13px;color:#aab6c5;line-height:1.45}
.ftr .ftr-pending{margin-top:10px;font-size:12.5px}
@media (max-width:1200px){
  .navl{display:none;position:absolute;top:76px;left:0;right:0;flex-direction:column;align-items:flex-start;gap:0;background:#fff;border-bottom:1px solid var(--rule);padding:8px 24px 18px}
  .navl.open{display:flex}
  .navl a{padding:12px 0;width:100%;border-bottom:1px solid var(--rule-soft)}
  .navl .lang{border-left:0;padding:12px 0 0}
  .menu-btn{display:block}
}
@media (max-width:960px){
  .cov-head{display:none}
  .cov-row{grid-template-columns:1fr;gap:14px}
  .cov-src small{display:block;font-size:13px;color:var(--ink-3);margin-bottom:2px}
  .corr{grid-template-columns:1fr}
}

/* Language suggestion bar */
.langbar{background:var(--navy-deep);color:#e3e9f0;font-size:14px}
.langbar .wrap{display:flex;gap:14px;align-items:center;justify-content:center;flex-wrap:wrap;min-height:44px;padding:6px 0}
.langbar a{color:#fff;font-weight:600;border-bottom:1px solid var(--silver)}
.langbar button{background:transparent;border:0;color:#aab6c5;font-size:20px;line-height:1;cursor:pointer;padding:0 4px}
/* Simplified Chinese typography */
html[lang^="zh"]{--serif:"Noto Serif SC","Source Han Serif SC","Songti SC","STSong",serif;--sans:"PingFang SC","Hiragino Sans GB","Microsoft YaHei","Noto Sans SC","Noto Sans CJK SC",sans-serif}
html[lang^="zh"] body{line-height:1.8}
html[lang^="zh"] h1{max-width:13em;letter-spacing:0;line-height:1.25}
html[lang^="zh"] .sec-h h2,html[lang^="zh"] .split h2,html[lang^="zh"] .form-g h2{max-width:14em;letter-spacing:0;line-height:1.35}
html[lang^="zh"] .lead,html[lang^="zh"] .sec-h p{max-width:34em}

.navl .lang,.hdr-cta{white-space:nowrap}