/* Plus40 Investment Holding Company — brand palette taken from the 2026 letterhead artwork
   charcoal #323031 · deep #262425 · silver #A5A3A3 · mist #EAEAEB */
:root{
  --charcoal:#323031; --deep:#1f1d1e; --ink:#2a2829; --silver:#a5a3a3; --silver-2:#cfcdcd;
  --mist:#eaeaeb; --paper:#f6f6f7; --white:#fff; --text:#2b2a2a; --muted:#5f5d5e;
  --chrome:linear-gradient(135deg,#f4f4f4 0%,#bdbbbb 35%,#ffffff 55%,#8e8c8c 100%);
  --radius:14px; --shadow:0 10px 30px rgba(20,18,19,.10); --max:1160px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:76px}
body{margin:0;font-family:"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;color:var(--text);background:var(--white);line-height:1.6;font-size:16px}
img{max-width:100%;display:block}
a{color:inherit}
.wrap{max-width:var(--max);margin:0 auto;padding:0 22px}
.skip{position:absolute;left:-999px}.skip:focus{left:12px;top:12px;background:#fff;padding:8px 12px;z-index:99}

/* Header */
.site-header{position:sticky;top:0;z-index:50;background:var(--charcoal);border-bottom:1px solid rgba(255,255,255,.08)}
.nav{display:flex;align-items:center;justify-content:space-between;height:68px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:#fff}
.brand img{height:46px;width:auto}
.brand span{font-weight:700;letter-spacing:.14em;font-size:15px;line-height:1.1}
.brand small{display:block;font-weight:400;letter-spacing:.08em;font-size:10.5px;color:var(--silver-2)}
.menu{display:flex;gap:4px;list-style:none;margin:0;padding:0}
.menu a{display:block;padding:8px 11px;border-radius:8px;color:#e6e5e5;text-decoration:none;font-size:14.5px}
.menu a:hover,.menu a:focus{background:rgba(255,255,255,.08);color:#fff}
.menu .cta{background:var(--chrome);color:var(--deep);font-weight:700}
.toggle{display:none;background:none;border:1px solid rgba(255,255,255,.3);color:#fff;border-radius:8px;padding:7px 10px;font-size:15px}

/* Hero */
.hero{position:relative;overflow:hidden;background:var(--charcoal);color:#fff}
.hero::before,.hero::after{content:"";position:absolute;top:-20%;bottom:-20%;width:120px;transform:skewX(-28deg);background:linear-gradient(180deg,rgba(255,255,255,.0),rgba(255,255,255,.22),rgba(255,255,255,.04))}
.hero::before{right:22%}
.hero::after{right:calc(22% - 170px);width:60px;opacity:.7}
.hero-inner{position:relative;z-index:1;display:grid;grid-template-columns:1.25fr .75fr;gap:40px;align-items:center;padding:84px 22px 92px}
.eyebrow{display:inline-block;font-size:12.5px;letter-spacing:.18em;text-transform:uppercase;color:var(--silver-2);border:1px solid rgba(255,255,255,.22);padding:5px 12px;border-radius:999px}
.hero h1{font-size:clamp(2rem,4.6vw,3.3rem);line-height:1.12;margin:18px 0 16px;letter-spacing:-.01em}
.hero h1 em{font-style:normal;background:var(--chrome);-webkit-background-clip:text;background-clip:text;color:transparent}
.hero p.lead{font-size:1.12rem;color:#dcdada;max-width:600px;margin:0 0 28px}
.btns{display:flex;flex-wrap:wrap;gap:12px}
.btn{display:inline-block;padding:13px 22px;border-radius:10px;text-decoration:none;font-weight:700;font-size:15px;border:1px solid transparent;cursor:pointer}
.btn-chrome{background:var(--chrome);color:var(--deep)}
.btn-ghost{border-color:rgba(255,255,255,.4);color:#fff}
.btn-dark{background:var(--charcoal);color:#fff}
.btn:hover{filter:brightness(1.05);transform:translateY(-1px)}
.hero-logo{justify-self:center;background:var(--charcoal);border-radius:20px;padding:18px;box-shadow:0 20px 50px rgba(0,0,0,.35),inset 0 0 0 1px rgba(255,255,255,.08)}
.hero-logo img{width:250px}
.badges{display:flex;flex-wrap:wrap;gap:10px;margin-top:30px}
.badge{font-size:13px;background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.14);padding:7px 12px;border-radius:8px;color:#eee}
.badge b{color:#fff}
.stripe{height:26px;background:url(stripe.jpg) center/cover no-repeat}

/* Sections */
section{padding:84px 0}
.alt{background:var(--paper)}
.dark{background:var(--charcoal);color:#fff}
.kicker{font-size:12.5px;letter-spacing:.2em;text-transform:uppercase;color:var(--muted);font-weight:700}
.dark .kicker{color:var(--silver-2)}
h2{font-size:clamp(1.6rem,3vw,2.3rem);line-height:1.2;margin:8px 0 14px;color:var(--ink)}
.dark h2{color:#fff}
.sub{color:var(--muted);max-width:720px;margin:0 0 36px}
.dark .sub{color:#d6d4d4}
.grid{display:grid;gap:22px}
.g2{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(3,1fr)}.g4{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border:1px solid #e3e2e2;border-radius:var(--radius);padding:26px;box-shadow:var(--shadow)}
.card h3{margin:12px 0 8px;font-size:1.15rem;color:var(--ink)}
.card p{margin:0;color:var(--muted)}
.card ul{margin:10px 0 0;padding-left:18px;color:var(--muted)}
.icon{width:46px;height:46px;border-radius:12px;display:grid;place-items:center;background:var(--charcoal);color:#fff}
.icon svg{width:24px;height:24px}
.tag{display:inline-block;font-size:12px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;background:var(--mist);color:var(--ink);padding:4px 9px;border-radius:6px}

/* About */
.about{display:grid;grid-template-columns:1.1fr .9fr;gap:44px;align-items:start}
.facts{list-style:none;padding:0;margin:0;border:1px solid #e3e2e2;border-radius:var(--radius);overflow:hidden;background:#fff}
.facts li{display:flex;justify-content:space-between;gap:16px;padding:14px 18px;border-bottom:1px solid #eee;font-size:15px}
.facts li:last-child{border-bottom:0}
.facts span{color:var(--muted)}
.facts b{text-align:right}
.values{margin-top:26px}
.value{display:flex;gap:14px;align-items:flex-start;margin-bottom:16px}
.value .dot{flex:0 0 10px;height:10px;margin-top:8px;border-radius:2px;background:var(--chrome);box-shadow:0 0 0 1px #999 inset;transform:rotate(45deg)}
.value p{margin:0}

/* Services */
.service{display:flex;flex-direction:column;align-items:flex-start}
.service ul{align-self:stretch}
.service .more{margin-top:auto;padding-top:16px}
.service .more a{font-weight:700;text-decoration:none;border-bottom:2px solid var(--silver)}

/* Steps */
.steps{counter-reset:s;list-style:none;padding:0;margin:26px 0 0;display:grid;grid-template-columns:repeat(6,1fr);gap:12px}
.steps li{counter-increment:s;background:#fff;border:1px solid #e3e2e2;border-radius:12px;padding:16px 14px;font-size:14.5px;position:relative}
.steps li::before{content:counter(s);display:grid;place-items:center;width:30px;height:30px;border-radius:50%;background:var(--charcoal);color:#fff;font-weight:700;margin-bottom:8px}

/* Group structure */
.org{display:flex;flex-direction:column;align-items:center}
.org .top{background:var(--chrome);color:var(--deep);border-radius:14px;padding:18px 26px;text-align:center;font-weight:800;box-shadow:0 14px 30px rgba(0,0,0,.3);max-width:440px}
.org .top small{display:block;font-weight:500;font-size:13px;color:#333}
.org .line{width:2px;height:34px;background:var(--silver)}
.org .rail{height:2px;background:var(--silver);width:76%}
.org .kids{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;width:100%;margin-top:0}
.org .kid{position:relative;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.18);border-radius:14px;padding:22px 18px 18px;text-align:center}
.org .kid::before{content:"";position:absolute;top:-34px;left:50%;width:2px;height:34px;background:var(--silver)}
.org .kid h3{margin:0 0 6px;color:#fff;font-size:1.05rem}
.org .kid p{margin:0;color:#d0cece;font-size:14px}
.org .kid .tag{background:rgba(255,255,255,.12);color:#fff;margin-bottom:10px}
.note{font-size:13.5px;color:#bdbbbb;margin-top:26px;text-align:center}

/* Leadership */
.person{text-align:center}
.avatar{width:84px;height:84px;margin:0 auto 6px;border-radius:50%;display:grid;place-items:center;background:var(--charcoal);color:#fff;font-weight:800;font-size:22px;letter-spacing:.04em;box-shadow:0 0 0 4px var(--mist)}
.person .role{font-weight:700;color:var(--ink);margin:4px 0 6px}
.person p{font-size:14.5px}

/* Compliance */
.comp .card{border-top:4px solid var(--charcoal)}
.comp .big{font-size:1.6rem;font-weight:800;color:var(--ink);margin:10px 0 4px}
.comp dl{margin:12px 0 0;font-size:14.5px}
.comp dt{color:var(--muted);float:left;clear:left;width:46%}
.comp dd{margin:0 0 6px 46%;font-weight:600}

/* Apply */
.apply{display:grid;grid-template-columns:1fr 1fr;gap:26px;align-items:start}
.check{list-style:none;padding:0;margin:8px 0 0}
.check li{position:relative;padding:6px 0 6px 30px;border-bottom:1px dashed #e2e1e1;font-size:15px}
.check li::before{content:"";position:absolute;left:2px;top:10px;width:16px;height:16px;border-radius:4px;border:2px solid var(--charcoal)}
.check li.on::before{background:var(--charcoal);box-shadow:inset 0 0 0 3px #fff}
details{background:#fff;border:1px solid #e3e2e2;border-radius:12px;margin-bottom:10px;padding:0 18px}
details summary{cursor:pointer;font-weight:700;padding:14px 0;color:var(--ink);list-style:none}
details summary::after{content:"+";float:right;font-weight:400}
details[open] summary::after{content:"–"}
details ul{margin:0 0 14px;padding-left:20px;color:var(--muted)}
.callout{background:var(--charcoal);color:#fff;border-radius:var(--radius);padding:22px 24px;margin-top:20px}
.callout p{margin:0 0 6px;color:#dcdada}

/* Contact */
.contact{display:grid;grid-template-columns:.9fr 1.1fr;gap:28px}
.cinfo{list-style:none;margin:0;padding:0}
.cinfo li{display:flex;gap:14px;padding:12px 0;border-bottom:1px solid #e6e5e5}
.cinfo .icon{flex:0 0 42px;width:42px;height:42px}
.cinfo b{display:block;color:var(--ink)}
.cinfo a{text-decoration:none;border-bottom:1px solid var(--silver)}
.map{position:relative;margin-top:18px;border-radius:var(--radius);overflow:hidden;border:1px solid #ddd;background:var(--mist);aspect-ratio:16/10}
.map iframe{position:relative;z-index:1;width:100%;height:100%;border:0}
.map .fallback{position:absolute;inset:0;display:grid;place-content:center;text-align:center;padding:20px;color:var(--muted);font-size:14px;background:repeating-linear-gradient(-28deg,#ececed 0 22px,#e4e4e5 22px 44px)}
.map .fallback b{color:var(--ink);font-size:16px}
form{background:#fff;border:1px solid #e3e2e2;border-radius:var(--radius);padding:26px;box-shadow:var(--shadow)}
label{display:block;font-weight:600;font-size:14px;margin:12px 0 6px;color:var(--ink)}
input,select,textarea{width:100%;padding:12px 13px;border:1px solid #cfcdcd;border-radius:9px;font:inherit;font-size:15px;background:#fcfcfc}
input:focus,select:focus,textarea:focus{outline:2px solid var(--charcoal);border-color:var(--charcoal)}
.row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.consent{display:flex;gap:10px;align-items:flex-start;font-weight:400;font-size:13.5px;color:var(--muted)}
.consent input{width:auto;margin-top:4px}
.small{font-size:13px;color:var(--muted)}

/* Footer */
footer{background:var(--deep);color:#cfcdcd;padding:56px 0 26px;font-size:14px}
footer h4{color:#fff;margin:0 0 12px;font-size:14px;letter-spacing:.1em;text-transform:uppercase}
footer a{color:#e8e7e7}
.fgrid{display:grid;grid-template-columns:1.2fr 1fr 1fr;gap:34px}
.disclose{margin-top:34px;padding:18px 20px;border:1px solid rgba(255,255,255,.14);border-radius:12px;background:rgba(255,255,255,.03);font-size:13px;line-height:1.55}
.disclose p{margin:0 0 8px}
.copy{margin-top:22px;border-top:1px solid rgba(255,255,255,.1);padding-top:16px;font-size:12.5px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px}

/* Responsive */
@media (max-width:1000px){
  .g4,.org .kids{grid-template-columns:repeat(2,1fr)}
  .org .rail{display:none}.org .kid::before{display:none}.org .kids{margin-top:16px}
  .steps{grid-template-columns:repeat(3,1fr)}
}
@media (max-width:860px){
  .toggle{display:block}
  .menu{display:none;position:absolute;left:0;right:0;top:68px;background:var(--charcoal);flex-direction:column;padding:10px 16px 18px;border-bottom:1px solid rgba(255,255,255,.1)}
  .menu.open{display:flex}
  .hero-inner,.about,.apply,.contact,.fgrid{grid-template-columns:1fr}
  .hero-inner{padding:56px 22px 64px}
  .hero-logo{justify-self:start;order:-1;padding:12px}.hero-logo img{width:150px}
  .g3,.g2{grid-template-columns:1fr}
  section{padding:60px 0}
}
@media (max-width:520px){
  .g4,.org .kids{grid-template-columns:1fr}
  .steps{grid-template-columns:1fr 1fr}
  .row{grid-template-columns:1fr}
  .people{grid-template-columns:1fr 1fr;gap:14px}.people .card{padding:18px 12px}.avatar{width:64px;height:64px;font-size:18px}
  .brand span{font-size:13px}.brand img{height:40px}
  .facts li{flex-direction:column;gap:2px}.facts b{text-align:left}
  .comp dt{float:none;width:auto}.comp dd{margin:0 0 8px}
}