/* Montreux Holdings — site styles. No external fonts or scripts. */
:root {
  --navy: #1C2B3A;
  --navy-2: #24384C;
  --navy-3: #2E4560;
  --text: #24313F;
  --muted: #56616D;
  --gold: #A9873F;
  --gold-light: #D1B06A;
  --gold-dark: #7A5E33;
  --cream: #F6F3EC;
  --paper: #FFFFFF;
  --soft: #FBF9F4;
  --line: #E4DCCB;
  --ok: #2F6B4F;
  --ok-bg: #EEF6F1;
  --stop: #8E3B2F;
  --stop-bg: #FBEEEC;
  --focus: #3B6EA8;
  --radius: 12px;
  --radius-sm: 8px;
  --maxw: 1120px;
  --textw: 720px;
  --serif: "Iowan Old Style", "Palatino Linotype", Palatino, Georgia, "Times New Roman", serif;
  --sans: system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  --shadow: 0 1px 2px rgba(28, 43, 58, .06), 0 10px 30px rgba(28, 43, 58, .07);
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } * { transition: none !important; animation: none !important; } }
body { margin: 0; font: 400 1.0625rem/1.65 var(--sans); color: var(--text); background: var(--paper); }
img, svg { max-width: 100%; height: auto; display: block; }
a { color: var(--navy-3); text-underline-offset: .18em; }
a:hover { color: var(--gold-dark); }
:focus-visible { outline: 3px solid var(--focus); outline-offset: 2px; border-radius: 4px; }
h1, h2, h3, h4 { font-family: var(--serif); color: var(--navy); line-height: 1.2; font-weight: 600; margin: 0 0 .6em; letter-spacing: -.005em; }
h1 { font-size: clamp(2.1rem, 4.6vw, 3.35rem); }
h2 { font-size: clamp(1.65rem, 3vw, 2.3rem); }
h3 { font-size: 1.3rem; }
p { margin: 0 0 1em; }
ul, ol { padding-left: 1.25em; margin: 0 0 1em; }
li { margin-bottom: .35em; }
.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; }
.skip { position: absolute; left: 16px; top: -60px; background: var(--navy); color: #fff; padding: .6em 1em; border-radius: var(--radius-sm); z-index: 100; }
.skip:focus { top: 12px; color: #fff; }

.wrap { max-width: var(--maxw); margin: 0 auto; padding: 0 20px; }
.narrow { max-width: var(--textw); }
.section { padding: clamp(56px, 8vw, 96px) 0; }
.section--soft { background: var(--soft); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.section--navy { background: var(--navy); color: #E6E9ED; }
.section--navy h2, .section--navy h3 { color: #fff; }
.eyebrow { font: 600 .8rem/1.2 var(--sans); letter-spacing: .16em; text-transform: uppercase; color: var(--gold-dark); margin: 0 0 .9rem; }
.section--navy .eyebrow, .hero .eyebrow { color: var(--gold-light); }
.lead { font-size: 1.2rem; color: var(--muted); max-width: 640px; }
.center { text-align: center; }
.center .lead { margin-left: auto; margin-right: auto; }

/* [EDIT] markers — remove every one before launch */
.edit { display: inline-block; font: 700 .7rem/1.4 ui-monospace, Consolas, monospace; background: #FFF3B0; color: #5A4500; border: 1px dashed #B89400; border-radius: 4px; padding: 0 .35em; margin: 0 .2em; vertical-align: middle; letter-spacing: 0; text-transform: none; }

/* Header */
.site-header { position: sticky; top: 0; z-index: 50; background: rgba(255,255,255,.97); border-bottom: 1px solid var(--line); }
.site-header .wrap { display: flex; align-items: center; justify-content: space-between; min-height: 72px; gap: 16px; }
.brand { display: block; width: 190px; flex: none; }
.nav-toggle { display: none; background: none; border: 1px solid var(--line); border-radius: var(--radius-sm); padding: 8px 12px; font: 600 .95rem var(--sans); color: var(--navy); cursor: pointer; }
.nav ul { display: flex; align-items: center; gap: 4px; list-style: none; margin: 0; padding: 0; }
.nav li { margin: 0; }
.nav a { display: block; padding: 10px 12px; color: var(--navy); text-decoration: none; font-weight: 500; font-size: .97rem; border-radius: var(--radius-sm); }
.nav a:hover { background: var(--soft); color: var(--navy); }
.nav a[aria-current="page"] { color: var(--gold-dark); box-shadow: inset 0 -2px 0 var(--gold); border-radius: 0; }
.nav .btn { margin-left: 8px; padding: 10px 18px; }
.nav .btn:hover { background: var(--navy-2); color: #fff; }

@media (max-width: 960px) {
  .nav-toggle { display: inline-flex; }
  .nav { display: none; position: absolute; left: 0; right: 0; top: 100%; background: #fff; border-bottom: 1px solid var(--line); box-shadow: var(--shadow); }
  .nav.is-open { display: block; }
  .no-js .nav { display: block; position: static; box-shadow: none; border: 0; }
  .nav ul { flex-direction: column; align-items: stretch; padding: 8px 20px 16px; gap: 0; }
  .nav a { padding: 14px 4px; border-bottom: 1px solid var(--line); border-radius: 0; }
  .nav a[aria-current="page"] { box-shadow: none; }
  .nav .btn { margin: 12px 0 0; text-align: center; border-radius: var(--radius-sm); }
  .no-js .site-header .wrap { flex-wrap: wrap; }
}

/* Buttons */
.btn { display: inline-block; font: 600 1rem/1.2 var(--sans); padding: 14px 24px; border-radius: var(--radius-sm); text-decoration: none; border: 2px solid transparent; cursor: pointer; text-align: center; transition: background .15s, color .15s, border-color .15s; }
.btn--primary, .nav .btn { background: var(--navy); color: #fff; }
.btn--primary:hover { background: var(--navy-2); color: #fff; }
.btn--gold { background: var(--gold-light); color: var(--navy); }
.btn--gold:hover { background: #DDBF7F; color: var(--navy); }
.btn--ghost { border-color: var(--navy); color: var(--navy); background: transparent; }
.btn--ghost:hover { background: var(--navy); color: #fff; }
.btn--ghost-light { border-color: rgba(255,255,255,.6); color: #fff; background: transparent; }
.btn--ghost-light:hover { background: #fff; color: var(--navy); }
.btn[disabled] { opacity: .6; cursor: wait; }
.btn-row { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 1.6rem; }

/* Hero */
.hero { background: radial-gradient(120% 90% at 80% 0%, var(--navy-3) 0%, var(--navy) 60%); color: #DDE2E8; padding: clamp(64px, 10vw, 120px) 0 clamp(56px, 8vw, 96px); position: relative; overflow: hidden; }
.hero::after { content: ""; position: absolute; left: 0; right: 0; bottom: 0; height: 4px; background: linear-gradient(90deg, var(--gold-dark), var(--gold-light), var(--gold-dark)); }
.hero h1 { color: #fff; max-width: 760px; }
.hero .lead { color: #C9D1DA; }
.hero-grid { display: grid; grid-template-columns: 1.4fr 1fr; gap: 56px; align-items: center; }
.hero-card { background: rgba(255,255,255,.05); border: 1px solid rgba(209,176,106,.35); border-radius: var(--radius); padding: 28px; }
.hero-card h2 { color: #fff; font-size: 1.3rem; }
.hero-card ul { list-style: none; padding: 0; margin: 0; }
.hero-card li { padding: 10px 0 10px 30px; border-top: 1px solid rgba(255,255,255,.1); position: relative; }
.hero-card li:first-child { border-top: 0; }
.hero-card li::before { content: ""; position: absolute; left: 4px; top: 18px; width: 12px; height: 7px; border-left: 2px solid var(--gold-light); border-bottom: 2px solid var(--gold-light); transform: rotate(-45deg); }
.page-hero { padding: clamp(48px, 7vw, 84px) 0 clamp(40px, 6vw, 64px); }
.page-hero h1 { font-size: clamp(2rem, 4vw, 2.9rem); }
@media (max-width: 860px) { .hero-grid { grid-template-columns: 1fr; gap: 32px; } }

/* Grids & cards */
.grid { display: grid; gap: 24px; }
.grid-2 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.grid-3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.grid-4 { grid-template-columns: repeat(4, minmax(0, 1fr)); }
@media (max-width: 900px) { .grid-3, .grid-4 { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 620px) { .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; } }
.card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 28px; box-shadow: var(--shadow); }
.card h3 { margin-bottom: .45em; }
.card p:last-child, .card ul:last-child { margin-bottom: 0; }
.card--plain { box-shadow: none; }
.icon { width: 44px; height: 44px; border-radius: 10px; background: var(--cream); border: 1px solid var(--line); display: grid; place-items: center; margin-bottom: 16px; color: var(--gold-dark); }
.icon svg { width: 24px; height: 24px; }

.steps { counter-reset: step; list-style: none; padding: 0; margin: 0; }
.steps > li { counter-increment: step; position: relative; margin: 0; }
.steps > li::before { content: counter(step); display: grid; place-items: center; width: 44px; height: 44px; border-radius: 50%; background: var(--navy); color: var(--gold-light); font: 600 1.15rem var(--serif); margin-bottom: 16px; }

.industry h3 { font-size: 1.15rem; }
.industry p { color: var(--muted); font-size: .98rem; }

.split { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: start; }
@media (max-width: 860px) { .split { grid-template-columns: 1fr; gap: 32px; } }

.checklist { list-style: none; padding: 0; }
.checklist li { position: relative; padding-left: 32px; margin-bottom: .8em; }
.checklist li::before { content: ""; position: absolute; left: 4px; top: .5em; width: 13px; height: 7px; border-left: 2px solid var(--gold); border-bottom: 2px solid var(--gold); transform: rotate(-45deg); }

.callout { border-left: 4px solid var(--gold); background: var(--cream); padding: 20px 24px; border-radius: 0 var(--radius-sm) var(--radius-sm) 0; margin: 1.5em 0; }
.callout h3 { font-size: 1.1rem; margin-bottom: .4em; }
.callout p:last-child, .callout ul:last-child { margin-bottom: 0; }
.notice { border: 1px solid var(--line); background: var(--soft); border-radius: var(--radius); padding: 20px 24px; font-size: .95rem; color: var(--text); }
.notice strong { color: var(--navy); }
.template-banner { background: var(--stop-bg); border: 2px solid var(--stop); color: var(--stop); font-weight: 700; padding: 14px 18px; border-radius: var(--radius-sm); margin-bottom: 2em; }

/* Prose (legal + long-form) */
.prose { max-width: var(--textw); }
.prose h2 { font-size: 1.55rem; margin-top: 1.8em; }
.prose h3 { font-size: 1.2rem; margin-top: 1.4em; }

/* FAQ */
.faq { max-width: 820px; }
.faq details { border-bottom: 1px solid var(--line); }
.faq details:first-of-type { border-top: 1px solid var(--line); }
.faq summary { cursor: pointer; list-style: none; padding: 20px 44px 20px 0; position: relative; font: 600 1.12rem/1.4 var(--serif); color: var(--navy); }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; position: absolute; right: 8px; top: 16px; font: 400 1.6rem/1 var(--sans); color: var(--gold-dark); }
.faq details[open] summary::after { content: "\2212"; }
.faq .answer { padding: 0 0 20px; color: var(--text); max-width: 720px; }
.faq h2 { margin-top: 1.6em; font-size: 1.4rem; }
.faq h2:first-child { margin-top: 0; }

/* CTA band */
.cta-band { background: var(--navy); color: #D6DCE3; border-radius: var(--radius); padding: clamp(32px, 5vw, 56px); display: flex; flex-wrap: wrap; gap: 24px; align-items: center; justify-content: space-between; }
.cta-band h2 { color: #fff; margin-bottom: .3em; }
.cta-band p { margin: 0; max-width: 560px; }

/* Forms */
.form-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: clamp(22px, 4vw, 40px); box-shadow: var(--shadow); }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px 20px; }
.form-grid .full { grid-column: 1 / -1; }
@media (max-width: 620px) { .form-grid { grid-template-columns: 1fr; } }
.field label, .field legend { display: block; font-weight: 600; color: var(--navy); margin-bottom: 6px; font-size: .97rem; }
.field .hint { display: block; font-weight: 400; color: var(--muted); font-size: .88rem; margin-top: 2px; }
.req { color: var(--stop); margin-left: 2px; }
input[type="text"], input[type="email"], input[type="tel"], input[type="url"], input[type="number"], input[type="month"], input[type="date"], select, textarea {
  width: 100%; font: 400 1rem/1.4 var(--sans); color: var(--text); background: #fff; border: 1px solid #B9B1A0; border-radius: var(--radius-sm); padding: 12px 14px; min-height: 48px;
}
textarea { min-height: 110px; resize: vertical; }
select { appearance: none; background-image: linear-gradient(45deg, transparent 50%, var(--navy) 50%), linear-gradient(135deg, var(--navy) 50%, transparent 50%); background-position: calc(100% - 20px) 50%, calc(100% - 14px) 50%; background-size: 6px 6px; background-repeat: no-repeat; padding-right: 40px; }
input:focus, select:focus, textarea:focus { outline: 3px solid var(--focus); outline-offset: 0; border-color: var(--focus); }
.was-validated input:invalid, .was-validated select:invalid, .was-validated textarea:invalid { border-color: var(--stop); background: var(--stop-bg); }
.check { display: grid; grid-template-columns: 24px 1fr; gap: 12px; align-items: start; font-size: .93rem; color: var(--text); font-weight: 400; }
.check input { width: 22px; height: 22px; margin: 2px 0 0; accent-color: var(--navy); }
.consent { background: var(--soft); border: 1px solid var(--line); border-radius: var(--radius-sm); padding: 16px; }
.hp { position: absolute !important; left: -10000px !important; width: 1px; height: 1px; overflow: hidden; }
.form-status { margin-top: 16px; padding: 14px 16px; border-radius: var(--radius-sm); display: none; }
.form-status.is-error { display: block; background: var(--stop-bg); color: var(--stop); border: 1px solid #E3BDB6; }
.form-status.is-warn { display: block; background: #FBF3E4; color: #7D5212; border: 1px solid #EBD6AE; }
.form-foot { font-size: .86rem; color: var(--muted); margin-top: 14px; }
.thanks { text-align: center; padding: 16px 0; }
.thanks h2 { margin-bottom: .4em; }
.thanks .check-badge { width: 64px; height: 64px; border-radius: 50%; background: var(--ok-bg); border: 2px solid var(--ok); margin: 0 auto 18px; position: relative; }
.thanks .check-badge::after { content: ""; position: absolute; left: 20px; top: 20px; width: 22px; height: 12px; border-left: 3px solid var(--ok); border-bottom: 3px solid var(--ok); transform: rotate(-45deg); }
[hidden] { display: none !important; }

/* Multi-step application */
.progress { display: flex; gap: 8px; list-style: none; padding: 0; margin: 0 0 28px; counter-reset: p; }
.progress li { flex: 1; margin: 0; font-size: .82rem; font-weight: 600; color: var(--muted); counter-increment: p; }
.progress li::before { content: ""; display: block; height: 5px; border-radius: 3px; background: var(--line); margin-bottom: 8px; }
.progress li.is-done::before, .progress li.is-current::before { background: var(--gold); }
.progress li.is-current { color: var(--navy); }
.no-js .progress { display: none; }
.step { border: 0; padding: 0; margin: 0 0 32px; min-width: 0; }
.step > legend { font: 600 1.45rem/1.3 var(--serif); color: var(--navy); padding: 0; margin-bottom: 6px; }
.step .step-intro { color: var(--muted); margin-bottom: 22px; }
.js .step:not(.is-active) { display: none; }
.step-nav { display: flex; justify-content: space-between; gap: 12px; margin-top: 28px; flex-wrap: wrap; }
.js .app-submit-nojs { display: none; }
.no-js .step-nav { display: none; }
.review { border: 1px solid var(--line); border-radius: var(--radius-sm); margin: 0 0 22px; }
.review h3 { font: 600 .82rem var(--sans); letter-spacing: .12em; text-transform: uppercase; color: var(--gold-dark); margin: 0; padding: 12px 16px; background: var(--soft); border-bottom: 1px solid var(--line); }
.review dl { margin: 0; padding: 8px 16px; display: grid; grid-template-columns: minmax(140px, 40%) 1fr; gap: 6px 16px; font-size: .95rem; }
.review dt { color: var(--muted); }
.review dd { margin: 0; color: var(--text); overflow-wrap: anywhere; }
.no-js .review-wrap { display: none; }
.secure-note { display: flex; gap: 14px; align-items: flex-start; background: var(--ok-bg); border: 1px solid #C9E0D3; border-radius: var(--radius-sm); padding: 16px; font-size: .93rem; color: #1F4A36; margin-bottom: 24px; }
.secure-note svg { flex: none; width: 22px; height: 22px; color: var(--ok); margin-top: 2px; }

/* Footer */
.site-footer { background: var(--navy); color: #B9C3CE; font-size: .95rem; padding: 64px 0 32px; margin-top: 0; }
.site-footer a { color: #E6E9ED; }
.site-footer a:hover { color: var(--gold-light); }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 32px; }
@media (max-width: 860px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 520px) { .footer-grid { grid-template-columns: 1fr; } }
.site-footer h2 { font: 600 .8rem var(--sans); letter-spacing: .14em; text-transform: uppercase; color: var(--gold-light); margin-bottom: 14px; }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer li { margin-bottom: 8px; }
.footer-brand { width: 200px; margin-bottom: 16px; }
.site-footer address { font-style: normal; line-height: 1.7; }
.disclaimer { border-top: 1px solid rgba(255,255,255,.12); margin-top: 40px; padding-top: 24px; font-size: .86rem; line-height: 1.65; color: #A9B4C0; }
.disclaimer p { margin-bottom: .8em; }
.disclaimer strong { color: #E6E9ED; }
.copyright { margin-top: 20px; font-size: .84rem; color: #8F9BA8; display: flex; flex-wrap: wrap; justify-content: space-between; gap: 12px; }

.mt-0 { margin-top: 0; } .mb-0 { margin-bottom: 0; } .mt-2 { margin-top: 2rem; } .mt-3 { margin-top: 3rem; }
.muted { color: var(--muted); }
.small { font-size: .9rem; }
.review .review-edit { margin: 4px 16px 14px; padding: 8px 14px; font-size: .9rem; }
.btn-row--center { justify-content: center; }
.h3 { font-size: 1.3rem; }
.industry h2 { font-size: 1.15rem; }
.cta-band a:not(.btn), .section--navy a:not(.btn) { color: var(--gold-light); }
.thanks .btn-row { justify-content: center; }
form, .thanks, .step, [id] { scroll-margin-top: 96px; }
.lead.center { margin-left: auto; margin-right: auto; }
.brand { width: 210px; }
@media (max-width: 400px) { .brand { width: 180px; } }
.nav a.btn, .nav a.btn[aria-current="page"], .nav a.btn:hover { color: #fff; box-shadow: none; }
/* Authorization text on /application (same wording as the HQ App Transfer PDF) */
.auth-text { max-height: 260px; overflow-y: auto; font-size: .82rem; line-height: 1.55; color: var(--muted); }
.auth-text p { margin: 0 0 10px; }