/* ==========================================================================
   Apex Capital Solutions — main.css
   Design tokens → base → layout → components → responsive
   Single stylesheet, no imports, no external fonts.
   ========================================================================== */

:root {
  /* Palette */
  --navy: #0a1f3d;
  --navy-700: #123058;
  --navy-500: #1c4373;
  --blue: #1d5fbf;
  --blue-dark: #164a96;
  --green: #1f8a5f;
  --green-dark: #166b49;
  --paper: #ffffff;
  --mist: #f2f5f9;
  --mist-2: #e8edf4;
  --line: #d7dee8;
  --line-strong: #b9c4d4;
  --ink: #1c2733;
  --muted: #55637a;

  /* Type */
  --sans: system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue",
    Arial, "Noto Sans", sans-serif;
  --fs-base: 1.0625rem;   /* 17px */
  --lh-base: 1.65;

  /* Space & shape */
  --gap: 1.5rem;
  --pad-section: 3.5rem;
  --radius: 3px;
  --radius-lg: 5px;
  --maxw: 1160px;
  --measure: 68ch;
  --shadow-menu: 0 12px 28px rgba(10, 31, 61, 0.14);
}

/* ------------------------------------------------------------------ base -- */

*,
*::before,
*::after { box-sizing: border-box; }

html {
  -webkit-text-size-adjust: 100%;
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: var(--sans);
  font-size: var(--fs-base);
  line-height: var(--lh-base);
  color: var(--ink);
  background: var(--paper);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

img { max-width: 100%; height: auto; display: block; }
svg { display: block; }

h1, h2, h3, h4 {
  color: var(--navy);
  font-weight: 650;
  letter-spacing: -0.018em;
  line-height: 1.18;
  margin: 0 0 0.6em;
  text-wrap: balance;
}

h1 { font-size: clamp(2rem, 1.4rem + 2.6vw, 3rem); }
h2 { font-size: clamp(1.5rem, 1.2rem + 1.3vw, 2.05rem); line-height: 1.22; }
h3 { font-size: 1.135rem; line-height: 1.3; letter-spacing: -0.01em; }
h4 { font-size: 1rem; }

p { margin: 0 0 1.1em; max-width: var(--measure); }
ul, ol { margin: 0 0 1.1em; padding-left: 1.15rem; }
li { margin-bottom: 0.4em; }

a { color: var(--blue); text-decoration: underline; text-underline-offset: 2px; }
a:hover { color: var(--blue-dark); }

strong { font-weight: 650; color: var(--navy); }
hr { border: 0; border-top: 1px solid var(--line); margin: 2rem 0; }

:focus-visible {
  outline: 3px solid var(--green);
  outline-offset: 2px;
  border-radius: 2px;
}

.skip-link {
  position: absolute;
  left: -9999px;
  top: 0;
  z-index: 200;
  background: var(--navy);
  color: #fff;
  padding: 0.75rem 1.25rem;
  font-weight: 600;
  text-decoration: none;
}
.skip-link:focus { left: 0; }

.container {
  width: 100%;
  max-width: var(--maxw);
  margin-inline: auto;
  padding-inline: 1.25rem;
}

.visually-hidden {
  position: absolute !important;
  width: 1px; height: 1px;
  overflow: hidden; clip: rect(0 0 0 0); clip-path: inset(50%);
  white-space: nowrap;
}

/* --------------------------------------------------------------- buttons -- */

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  min-height: 46px;
  padding: 0.7rem 1.4rem;
  border: 1px solid transparent;
  border-radius: var(--radius);
  font: inherit;
  font-weight: 620;
  letter-spacing: 0.005em;
  text-decoration: none;
  cursor: pointer;
  transition: background-color 0.15s ease, border-color 0.15s ease, color 0.15s ease;
}

.btn--primary { background: var(--blue); border-color: var(--blue); color: #fff; }
.btn--primary:hover { background: var(--blue-dark); border-color: var(--blue-dark); color: #fff; }

.btn--navy { background: var(--navy); border-color: var(--navy); color: #fff; }
.btn--navy:hover { background: var(--navy-700); color: #fff; }

.btn--outline { background: transparent; border-color: var(--line-strong); color: var(--navy); }
.btn--outline:hover { border-color: var(--navy); background: var(--mist); color: var(--navy); }

.btn--outline-light { background: transparent; border-color: rgba(255,255,255,0.55); color: #fff; }
.btn--outline-light:hover { background: rgba(255,255,255,0.1); border-color: #fff; color: #fff; }

.btn--ghost { background: transparent; border-color: var(--line-strong); color: var(--navy); }
.btn--ghost:hover { background: var(--mist); border-color: var(--navy); }

.btn--lg { min-height: 52px; padding: 0.9rem 1.75rem; font-size: 1.03rem; }
.btn--sm { min-height: 40px; padding: 0.5rem 1rem; font-size: 0.94rem; }

.link-arrow { font-weight: 620; text-decoration: none; border-bottom: 1px solid currentColor; }
.link-arrow:hover { border-bottom-color: transparent; }

.link-apply {
  margin-left: 1rem;
  font-weight: 620;
  color: var(--green-dark);
  text-decoration: none;
  border-bottom: 1px solid currentColor;
}
.link-apply:hover { color: var(--green-dark); border-bottom-color: transparent; }

/* ---------------------------------------------------------------- header -- */

.header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: var(--paper);
  border-bottom: 1px solid var(--line);
}

.header__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  min-height: 68px;
}

.logo {
  display: inline-flex;
  align-items: center;
  gap: 0.6rem;
  text-decoration: none;
  color: var(--navy);
  flex: none;
}
.logo__mark { width: 28px; height: 28px; color: var(--navy); flex: none; }
.logo__text { display: flex; flex-direction: column; line-height: 1.05; }
.logo__name { font-weight: 700; font-size: 1.06rem; letter-spacing: -0.02em; }
.logo__sub { font-size: 0.72rem; letter-spacing: 0.14em; color: var(--muted); text-transform: uppercase; }

.header__burger {
  display: inline-flex;
  align-items: center;
  gap: 0.55rem;
  background: none;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 0.5rem 0.8rem;
  min-height: 44px;
  font: inherit;
  font-weight: 600;
  color: var(--navy);
  cursor: pointer;
}
.header__burger-box { display: block; width: 18px; }
.header__burger-box span {
  display: block; height: 2px; background: var(--navy); border-radius: 2px;
  margin: 3.5px 0; transition: transform 0.2s ease, opacity 0.2s ease;
}
.header__burger[aria-expanded="true"] .header__burger-box span:nth-child(1) { transform: translateY(5.5px) rotate(45deg); }
.header__burger[aria-expanded="true"] .header__burger-box span:nth-child(2) { opacity: 0; }
.header__burger[aria-expanded="true"] .header__burger-box span:nth-child(3) { transform: translateY(-5.5px) rotate(-45deg); }

.header__phone {
  font-weight: 620;
  color: var(--navy);
  text-decoration: none;
  white-space: nowrap;
}
.header__phone:hover { color: var(--blue); text-decoration: underline; }

/* nav — mobile first (drawer) */
.nav {
  display: none;
  position: fixed;
  inset: 68px 0 0;
  background: var(--paper);
  border-top: 1px solid var(--line);
  overflow-y: auto;
  padding: 0.5rem 0 6rem;
}
.nav.is-open { display: block; }

.nav__list { list-style: none; margin: 0; padding: 0; }
.nav__item { border-bottom: 1px solid var(--line); }

.nav__link {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 0.4rem;
  width: 100%;
  padding: 0.95rem 1.25rem;
  font: inherit;
  font-weight: 600;
  color: var(--navy);
  text-decoration: none;
  background: none;
  border: 0;
  text-align: left;
  cursor: pointer;
  min-height: 48px;
}
.nav__link:hover { background: var(--mist); }
.nav__link.is-current { color: var(--blue); }
.nav__chev { width: 11px; height: 7px; transition: transform 0.18s ease; }
.nav__toggle[aria-expanded="true"] .nav__chev { transform: rotate(180deg); }

.nav__menu { background: var(--mist); border-top: 1px solid var(--line); }
.nav__menu-list { list-style: none; margin: 0; padding: 0.35rem 0; }
.nav__menu-list a {
  display: block;
  padding: 0.7rem 1.25rem 0.7rem 2.1rem;
  color: var(--navy);
  text-decoration: none;
  font-size: 0.97rem;
  min-height: 44px;
}
.nav__menu-list a:hover { background: var(--mist-2); color: var(--blue); }
.nav__menu-list a[aria-current="page"] { color: var(--blue); font-weight: 600; }

.nav__actions {
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  padding: 1.25rem;
}
.nav__actions .btn { width: 100%; }

/* -------------------------------------------------------- hero (home) ---- */

.hero {
  background: var(--navy);
  color: #fff;
  border-bottom: 3px solid var(--green);
}
.hero__inner { display: grid; gap: 2rem; padding-block: 2.75rem 0; }
.hero__copy { max-width: 40rem; }
.hero__title { color: #fff; margin-bottom: 0.55em; position: relative; }
.hero__title::before {
  content: "";
  display: block;
  width: 52px;
  height: 3px;
  background: var(--green);
  margin-bottom: 1.1rem;
}
.hero__deck {
  font-size: 1.1rem;
  color: #d6e0ee;
  max-width: 40rem;
  margin-bottom: 1.6rem;
}
.hero__actions { display: flex; flex-wrap: wrap; gap: 0.75rem; margin-bottom: 1.75rem; }
.hero__points {
  list-style: none;
  margin: 0;
  padding: 1.25rem 0 0;
  border-top: 1px solid rgba(255,255,255,0.18);
  display: grid;
  gap: 0.5rem 1.5rem;
  color: #c9d6e7;
  font-size: 0.95rem;
}
.hero__points li { position: relative; padding-left: 1.15rem; margin: 0; }
.hero__points li::before {
  content: "";
  position: absolute;
  left: 0; top: 0.62em;
  width: 7px; height: 7px;
  background: var(--green);
}
.hero__media { margin-inline: -1.25rem; }
.hero__img { width: 100%; object-fit: cover; aspect-ratio: 4 / 3; }

/* -------------------------------------------------------- page hero ------ */

.crumbs { background: var(--mist); border-bottom: 1px solid var(--line); font-size: 0.88rem; }
.crumbs__list {
  list-style: none; display: flex; flex-wrap: wrap; gap: 0.4rem;
  margin: 0; padding: 0.6rem 0;
}
.crumbs__list li { margin: 0; color: var(--muted); }
.crumbs__list li + li::before { content: "/"; margin-right: 0.4rem; color: var(--line-strong); }
.crumbs__list a { color: var(--muted); text-decoration: none; }
.crumbs__list a:hover { color: var(--blue); text-decoration: underline; }

.phero { background: var(--navy); color: #fff; border-bottom: 3px solid var(--green); }
.phero__inner { padding-block: 2.75rem 2.5rem; }
.phero__title { color: #fff; max-width: 22ch; }
.phero__deck { color: #d6e0ee; font-size: 1.08rem; max-width: 62ch; }
.phero__actions { display: flex; flex-wrap: wrap; gap: 0.75rem; margin-top: 1.5rem; }
.phero--compact .phero__inner { padding-block: 2rem 1.75rem; }

/* --------------------------------------------------------------- section -- */

.section { padding-block: var(--pad-section); }
.section--mist { background: var(--mist); }
.section--rule { border-top: 1px solid var(--line); }
.section--navy { background: var(--navy); color: #e6ecf5; }
.section--navy h2, .section--navy h3 { color: #fff; }
.section--tight { padding-block: 2.25rem; }

.section__title { max-width: 24ch; }
.section__intro { font-size: 1.05rem; color: var(--muted); max-width: 65ch; margin-bottom: 2rem; }
.section--navy .section__intro { color: #c3d0e2; }
.section__cta { margin-top: 2rem; display: flex; flex-wrap: wrap; align-items: center; gap: 1rem; }
.section__cta-text { margin: 0; color: var(--muted); max-width: 42ch; }
.section__note { font-size: 0.92rem; color: var(--muted); max-width: 70ch; margin-top: 1.25rem; }

.prose > :last-child { margin-bottom: 0; }
.prose h3 { margin-top: 1.9rem; }
.prose ul, .prose ol { max-width: var(--measure); }
.prose li > strong:first-child { color: var(--navy); }

.answer { border-left: 3px solid var(--green); padding-left: 1.25rem; }
.answer__lead { font-size: 1.12rem; color: var(--navy); font-weight: 500; max-width: 64ch; }
.answer .prose { margin-top: 1rem; }

/* value bar */
.valuebar { background: var(--mist); border-bottom: 1px solid var(--line); }
.valuebar__list {
  list-style: none; margin: 0; padding: 2rem 0;
  display: grid; gap: 1.5rem;
}
.valuebar__list li { margin: 0; }
.valuebar__title { font-size: 1rem; margin-bottom: 0.3em; }
.valuebar__list p { margin: 0; font-size: 0.94rem; color: var(--muted); }

/* cards */
.cards { list-style: none; margin: 0; padding: 0; display: grid; gap: 1px; background: var(--line); border: 1px solid var(--line); }
.card { margin: 0; background: var(--paper); padding: 1.6rem 1.5rem; display: flex; flex-direction: column; }
.card__title { margin-bottom: 0.45em; }
.card__title a { color: var(--navy); text-decoration: none; }
.card__title a:hover { color: var(--blue); text-decoration: underline; }
.card__text { color: var(--muted); font-size: 0.97rem; flex: 1; }
.card__links { margin: 1rem 0 0; font-size: 0.95rem; }
.section--mist .card { background: var(--paper); }

/* link grid */
.linkgrid { list-style: none; margin: 0; padding: 0; display: grid; gap: 1px; background: var(--line); border: 1px solid var(--line); }
.linkgrid li { margin: 0; }
.linkgrid a {
  display: block; background: var(--paper); padding: 1.15rem 1.25rem;
  text-decoration: none; height: 100%;
}
.linkgrid a:hover { background: var(--mist); }
.linkgrid__label { display: block; font-weight: 620; color: var(--navy); }
.linkgrid__text { display: block; font-size: 0.9rem; color: var(--muted); margin-top: 0.25rem; }

/* divided list */
.dlist { list-style: none; margin: 0; padding: 0; display: grid; gap: 0; }
.dlist li { margin: 0; padding: 1.25rem 0; border-top: 1px solid var(--line); }
.dlist li:last-child { border-bottom: 1px solid var(--line); }
.dlist__title { margin-bottom: 0.3em; }
.dlist p { margin: 0; color: var(--muted); }

/* checklist */
.checks { list-style: none; margin: 0; padding: 0; display: grid; gap: 0.7rem; max-width: 78ch; }
.checks li { position: relative; padding-left: 1.7rem; margin: 0; }
.checks li::before {
  content: "";
  position: absolute; left: 0; top: 0.45em;
  width: 10px; height: 6px;
  border-left: 2px solid var(--green);
  border-bottom: 2px solid var(--green);
  transform: rotate(-45deg);
}

/* tables */
.tablewrap { overflow-x: auto; border: 1px solid var(--line); }
.ctable { width: 100%; border-collapse: collapse; font-size: 0.96rem; min-width: 540px; background: var(--paper); }
.ctable caption { text-align: left; padding: 0.9rem 1rem; color: var(--muted); font-size: 0.9rem; border-bottom: 1px solid var(--line); }
.ctable th, .ctable td { padding: 0.85rem 1rem; text-align: left; vertical-align: top; border-bottom: 1px solid var(--line); }
.ctable thead th { background: var(--navy); color: #fff; font-weight: 620; border-bottom: 0; }
.ctable tbody th { color: var(--navy); font-weight: 620; width: 22%; }
.ctable tbody tr:last-child th, .ctable tbody tr:last-child td { border-bottom: 0; }
.ctable tbody tr:nth-child(even) { background: var(--mist); }

/* FAQ */
.faq { border-top: 1px solid var(--line-strong); max-width: 80ch; }
.faq__item { border-bottom: 1px solid var(--line); background: transparent; }
.faq__q {
  display: flex; align-items: center; justify-content: space-between; gap: 1rem;
  padding: 1.05rem 0.25rem; cursor: pointer; list-style: none;
  font-weight: 620; color: var(--navy); font-size: 1.03rem;
}
.faq__q::-webkit-details-marker { display: none; }
.faq__q:hover { color: var(--blue); }
.faq__icon { position: relative; width: 14px; height: 14px; flex: none; }
.faq__icon::before, .faq__icon::after {
  content: ""; position: absolute; background: var(--blue);
  transition: transform 0.18s ease;
}
.faq__icon::before { top: 6px; left: 0; width: 14px; height: 2px; }
.faq__icon::after { left: 6px; top: 0; width: 2px; height: 14px; }
.faq__item[open] .faq__icon::after { transform: scaleY(0); }
.faq__a { padding: 0 0.25rem 1.25rem; color: var(--muted); }
.faq__a > :last-child { margin-bottom: 0; }
.faq__a p { max-width: 72ch; }

/* split (copy + image) */
.split { display: grid; gap: 2rem; align-items: center; }
.split__media { margin: 0; }
.split__media img { width: 100%; object-fit: cover; border-radius: var(--radius); }
.split__media figcaption { font-size: 0.86rem; color: var(--muted); margin-top: 0.6rem; }
.split__cta { display: flex; flex-wrap: wrap; gap: 0.75rem; margin-top: 1.5rem; }

/* CTA band */
.ctaband { background: var(--navy); color: #fff; }
.ctaband__inner { padding-block: 3rem; display: grid; gap: 1.75rem; }
.ctaband__title { color: #fff; margin-bottom: 0.4em; }
.ctaband__text { color: #cdd9e9; max-width: 54ch; margin: 0; }
.ctaband__actions { display: flex; flex-wrap: wrap; gap: 0.75rem; }

/* next steps */
.next { list-style: none; margin: 0; padding: 0; display: grid; gap: 1px; background: var(--line); border: 1px solid var(--line); }
.next li { margin: 0; }
.next a { display: block; background: var(--paper); padding: 1.15rem 1.25rem; text-decoration: none; height: 100%; }
.next a:hover { background: var(--mist-2); }
.next strong { display: block; color: var(--navy); }
.next span { display: block; font-size: 0.9rem; color: var(--muted); margin-top: 0.2rem; }

/* callout */
.callout {
  border: 1px solid var(--line);
  border-left: 3px solid var(--blue);
  background: var(--mist);
  padding: 1.25rem 1.4rem;
}
.callout > :last-child { margin-bottom: 0; }
.callout h3 { margin-bottom: 0.4em; }

/* ----------------------------------------------------------------- forms -- */

.form { display: grid; gap: 1.15rem; max-width: 40rem; }
.field { display: grid; gap: 0.35rem; }
.field label { font-weight: 600; color: var(--navy); font-size: 0.96rem; }
.field .hint { font-size: 0.86rem; color: var(--muted); }
.field input,
.field select,
.field textarea {
  font: inherit;
  color: var(--ink);
  background: var(--paper);
  border: 1px solid var(--line-strong);
  border-radius: var(--radius);
  padding: 0.7rem 0.8rem;
  min-height: 46px;
  width: 100%;
}
.field textarea { min-height: 130px; resize: vertical; }
.field input:focus, .field select:focus, .field textarea:focus {
  border-color: var(--blue);
  outline: 3px solid rgba(29, 95, 191, 0.25);
  outline-offset: 0;
}
.field--check { grid-template-columns: auto 1fr; align-items: start; gap: 0.6rem; }
.field--check input { width: 20px; height: 20px; min-height: 0; margin-top: 0.25rem; }
.field--check label { font-weight: 400; font-size: 0.92rem; color: var(--muted); }
.form__status { margin: 0; padding: 0.85rem 1rem; border-radius: var(--radius); font-size: 0.95rem; }
.form__status[data-state="error"] { background: #fdecec; border: 1px solid #f0c2c2; color: #8c1c1c; }
.form__status[data-state="ok"] { background: #eaf6f0; border: 1px solid #b9dfcc; color: #14603f; }
.form__req { color: #a3341f; }

/* ---------------------------------------------------------------- footer -- */

.footer { background: var(--navy); color: #c3d0e2; font-size: 0.95rem; margin-top: 0; }
.footer a { color: #dbe5f2; text-decoration: none; }
.footer a:hover { color: #fff; text-decoration: underline; }
.footer__top { display: grid; gap: 2.5rem; padding-block: 3rem 2.25rem; }
.footer .logo { color: #fff; }
.footer .logo__mark { color: #fff; }
.footer .logo__sub { color: #93a6c0; }
.footer__blurb { margin: 1rem 0 1.25rem; max-width: 46ch; color: #b3c2d8; }
.footer__contact { list-style: none; margin: 0 0 1.25rem; padding: 0; display: grid; gap: 0.35rem; }
.footer__contact li { margin: 0; }
.footer__social { list-style: none; display: flex; flex-wrap: wrap; gap: 1rem; margin: 0 0 1.25rem; padding: 0; }
.footer__social li { margin: 0; }
.footer__nav { display: grid; gap: 2rem; }
.footer__heading { color: #fff; font-size: 0.82rem; letter-spacing: 0.1em; text-transform: uppercase; margin-bottom: 0.9em; }
.footer__list { list-style: none; margin: 0; padding: 0; display: grid; gap: 0.5rem; }
.footer__list li { margin: 0; }
.footer__legal { border-top: 1px solid rgba(255,255,255,0.16); padding-block: 1.75rem 2.5rem; }
.footer__legal p { color: #9fb1c9; font-size: 0.87rem; max-width: 100ch; line-height: 1.6; }
.footer__legal a { text-decoration: underline; }
.footer__base { display: grid; gap: 0.75rem; margin-top: 1.25rem; }
.footer__base p { margin: 0; font-size: 0.87rem; }
.footer__base-links { list-style: none; display: flex; flex-wrap: wrap; gap: 1.25rem; margin: 0; padding: 0; font-size: 0.87rem; }
.footer__base-links li { margin: 0; }

/* --------------------------------------------------- sticky mobile CTA --- */

.stickybar {
  position: fixed;
  left: 0; right: 0; bottom: 0;
  z-index: 90;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  padding: 0.6rem 1rem calc(0.6rem + env(safe-area-inset-bottom));
  background: rgba(255, 255, 255, 0.97);
  border-top: 1px solid var(--line);
}
.stickybar__text { font-weight: 600; color: var(--navy); font-size: 0.95rem; }
body { padding-bottom: 68px; }

/* ------------------------------------------------------- apply / 404 ----- */

.plain { padding-block: 4rem 4.5rem; }
.plain__inner { max-width: 44rem; }
.plain__actions { display: flex; flex-wrap: wrap; gap: 0.85rem; margin: 1.75rem 0 1.5rem; }
.plain__note { font-size: 0.9rem; color: var(--muted); }
.plain__list { columns: 2; column-gap: 2rem; max-width: 44rem; }
@media (max-width: 40rem) { .plain__list { columns: 1; } }

/* ------------------------------------------------------------ responsive -- */

@media (min-width: 40rem) {
  .container { padding-inline: 1.75rem; }
  .valuebar__list { grid-template-columns: repeat(2, 1fr); gap: 1.75rem 2.5rem; }
  .cards { grid-template-columns: repeat(2, 1fr); }
  .linkgrid { grid-template-columns: repeat(2, 1fr); }
  .next { grid-template-columns: repeat(2, 1fr); }
  .dlist { grid-template-columns: repeat(2, 1fr); column-gap: 2.5rem; }
  .dlist li:nth-last-child(2):nth-child(odd) { border-bottom: 1px solid var(--line); }
  .checks--2 { grid-template-columns: repeat(2, 1fr); gap: 0.7rem 2rem; }
  .footer__nav { grid-template-columns: repeat(2, 1fr); }
  .footer__base { grid-template-columns: 1fr auto; align-items: center; }
  .ctaband__inner { grid-template-columns: 1fr auto; align-items: center; gap: 2.5rem; }
  .hero__points { grid-template-columns: repeat(2, 1fr); }
}

@media (min-width: 60rem) {
  :root { --pad-section: 4.5rem; }
  .container { padding-inline: 2rem; }

  .header__burger { display: none; }
  .nav {
    display: flex;
    position: static;
    inset: auto;
    align-items: center;
    justify-content: flex-end;
    gap: 1.5rem;
    background: none;
    border: 0;
    overflow: visible;
    padding: 0;
    flex: 1;
  }
  .nav__list { display: flex; align-items: center; gap: 0.15rem; }
  .nav__item { border: 0; position: relative; }
  .nav__link {
    padding: 0.5rem 0.65rem;
    min-height: 40px;
    font-size: 0.965rem;
    border-radius: var(--radius);
  }
  .nav__link.is-current { box-shadow: inset 0 -2px 0 var(--green); border-radius: 0; }
  .nav__menu {
    position: absolute;
    top: calc(100% + 10px);
    left: -0.4rem;
    min-width: 268px;
    background: var(--paper);
    border: 1px solid var(--line);
    border-top: 3px solid var(--navy);
    box-shadow: var(--shadow-menu);
    z-index: 30;
  }
  .nav__item--has-menu:hover > .nav__menu[hidden],
  .nav__item--has-menu:focus-within > .nav__menu[hidden] { display: block; }
  .nav__menu::before {
    content: "";
    position: absolute; top: -13px; left: 0; right: 0; height: 13px;
  }
  .nav__menu-list a { padding: 0.6rem 1rem; min-height: 0; }
  .nav__actions { flex-direction: row; align-items: center; gap: 1rem; padding: 0; }
  .nav__actions .btn { width: auto; }

  .hero__inner {
    grid-template-columns: 1.05fr 0.95fr;
    align-items: center;
    gap: 3.5rem;
    padding-block: 4rem;
  }
  .hero__media { margin-inline: 0; }
  .hero__img { aspect-ratio: 5 / 4; border-radius: var(--radius-lg); }

  .phero__inner { padding-block: 3.75rem 3.25rem; }
  .cards--3 { grid-template-columns: repeat(3, 1fr); }
  .cards--4 { grid-template-columns: repeat(4, 1fr); }
  .linkgrid { grid-template-columns: repeat(3, 1fr); }
  .next { grid-template-columns: repeat(3, 1fr); }
  .valuebar__list { grid-template-columns: repeat(4, 1fr); }
  .split { grid-template-columns: 1.05fr 0.95fr; gap: 3.5rem; }
  .split--rev .split__copy { order: 2; }
  .footer__top { grid-template-columns: 0.95fr 1.55fr; gap: 4rem; }
  .footer__nav { grid-template-columns: repeat(4, 1fr); gap: 2.5rem; }
  .hero__points { grid-template-columns: repeat(2, 1fr); }

  .stickybar { display: none; }
  body { padding-bottom: 0; }
}

@media (min-width: 75rem) {
  .checks--2 { gap: 0.7rem 3rem; }
}

/* ---------------------------------------------------------- preferences -- */

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after {
    animation-duration: 0.001ms !important;
    transition-duration: 0.001ms !important;
  }
}

@media print {
  .header, .footer, .stickybar, .crumbs, .ctaband, .btn { display: none !important; }
  body { padding: 0; font-size: 11pt; color: #000; }
  a[href^="/"]::after { content: " (apexcapitalsolutions.us" attr(href) ")"; font-size: 9pt; }
}

/* ---------------------------------------------------------------- article -- */

.article__head { max-width: 68ch; }
.article__head h1 { margin-bottom: 0.4em; }
.article__meta { font-size: 0.9rem; color: var(--muted); margin-bottom: 0.9rem; }
.article__summary { font-size: 1.1rem; color: var(--navy); max-width: 62ch; }
.article__figure { margin: 2rem 0 2.5rem; }
.article__figure img { width: 100%; max-height: 420px; object-fit: cover; border-radius: var(--radius); }
.article__body { max-width: var(--measure); }
.article__body h2 { margin-top: 2.4rem; padding-top: 1.6rem; border-top: 1px solid var(--line); }
.article__body h2:first-child { margin-top: 0; padding-top: 0; border-top: 0; }
.article__body .ctable { min-width: 0; border: 1px solid var(--line); margin-bottom: 1.4rem; }
.article__body table { display: block; overflow-x: auto; }
.article__cta {
  margin-top: 3rem;
  padding: 1.75rem;
  background: var(--mist);
  border: 1px solid var(--line);
  border-left: 3px solid var(--green);
  max-width: var(--measure);
}
.article__cta h2 { margin-bottom: 0.4em; font-size: 1.3rem; }
.article__cta p { color: var(--muted); }
.article__cta .plain__actions { margin-bottom: 0; }

/* ---------------------------------------------------------------- contact -- */

.contact { display: grid; gap: 3rem; }
.contactgrid { display: grid; gap: 1px; background: var(--line); border: 1px solid var(--line); margin-bottom: 1.75rem; }
.contactcard { background: var(--paper); padding: 1.1rem 1.25rem; }
.contactcard h3 { font-size: 0.82rem; letter-spacing: 0.08em; text-transform: uppercase; color: var(--muted); margin-bottom: 0.35em; }
.contactcard p { margin: 0; color: var(--navy); font-weight: 500; }
.contact__aside .callout .btn { margin-top: 0.75rem; }

@media (min-width: 40rem) {
  .contactgrid { grid-template-columns: repeat(2, 1fr); }
}
@media (min-width: 60rem) {
  .contact { grid-template-columns: 1.15fr 0.85fr; gap: 4rem; align-items: start; }
  .contactgrid { grid-template-columns: 1fr; }
}