/* American Business Funds.
 *
 * Deep navy, one red, cool white. The design's subject is the published
 * figures, so the figures are the biggest thing on the page after the
 * headline: set in the display face, in tabular numerals, with their labels
 * beneath rather than beside them.
 *
 * Every division on this site is a flag rule -- a thick navy bar over a thin
 * red one. It is the only repeating ornament here and it is what the site is
 * recognisable by in greyscale, where it reads as a heavy bar over a hairline
 * at the top of every section. Nothing else in this repository uses it.
 *
 * Bricolage Grotesque over Source Sans 3. No rounded corners beyond 2px and no
 * shadows: the surfaces are separated by rules and by ground colour.
 */

@font-face {
  font-family: "Bricolage";
  src: url("display.woff2") format("woff2");
  font-weight: 400 800;
  font-display: swap;
}
@font-face {
  font-family: "SourceSans";
  src: url("text.woff2") format("woff2");
  font-weight: 400 600;
  font-display: swap;
}

:root {
  --navy: #072d79;
  --navy-deep: #051f56;
  --navy-ink: #0b1220;
  --red: #a90f0f;
  --red-bright: #c40000;
  --paper: #ffffff;
  --tint: #f2f5fa;
  --rule: #d5dde9;
  --text: #1d2637;
  --muted: #55627a;
  --faint: #7c879b;
  --shell: 1160px;
  --display: "Bricolage", "Segoe UI", system-ui, sans-serif;
  --body: "SourceSans", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;
}

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

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

body {
  margin: 0;
  background: var(--paper);
  color: var(--text);
  font: 400 17px/1.62 var(--body);
  -webkit-font-smoothing: antialiased;
}

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

a {
  color: inherit;
}

.shell {
  width: 100%;
  max-width: var(--shell);
  margin: 0 auto;
  padding: 0 24px;
}

.skip {
  position: absolute;
  left: -9999px;
}
.skip:focus {
  left: 8px;
  top: 8px;
  z-index: 50;
  background: var(--navy);
  color: #fff;
  padding: 10px 14px;
}

:where(a, button, iframe):focus-visible {
  outline: 3px solid var(--red-bright);
  outline-offset: 2px;
}

/* The one ornament: thick navy over thin red. */
.flagrule {
  height: 10px;
  margin-bottom: 26px;
  background: linear-gradient(to bottom, var(--navy) 0 6px, var(--red) 6px 9px, transparent 9px);
  max-width: 120px;
}

/* ---------- masthead ---------- */

.mast {
  background: #fff;
  border-bottom: 1px solid var(--rule);
  position: sticky;
  top: 0;
  z-index: 20;
}

.mast__bar {
  display: flex;
  align-items: center;
  gap: 24px;
  min-height: 76px;
  flex-wrap: wrap;
  padding-top: 10px;
  padding-bottom: 10px;
}

.mast__logo img {
  height: var(--logo-h, 34px);
  width: auto;
}

.mast__nav {
  display: flex;
  align-items: center;
  gap: 24px;
  margin-left: auto;
  flex-wrap: wrap;
}

.mast__nav a {
  text-decoration: none;
  font-size: 0.94rem;
  font-weight: 600;
  color: var(--text);
}

.mast__nav a:hover {
  color: var(--navy);
}

.mast__tel {
  font-family: var(--display);
  font-weight: 700;
  color: var(--navy) !important;
  letter-spacing: -0.01em;
  white-space: nowrap;
}

.mast__cta {
  background: var(--navy);
  color: #fff !important;
  padding: 11px 20px;
  border-radius: 2px;
  white-space: nowrap;
}

.mast__cta:hover {
  background: var(--navy-deep);
}

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

.hero {
  /* Nearly opaque: the photograph is depth behind the claim, not a subject. */
  background:
    linear-gradient(105deg, rgba(5, 25, 62, 0.97) 0%, rgba(7, 45, 121, 0.93) 100%),
    url("hero.webp") center / cover no-repeat;
  color: #fff;
  padding: 78px 0 64px;
  border-bottom: 6px solid var(--red);
}

.hero__kicker {
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: #9fb6e0;
  margin: 0 0 20px;
}

.hero h1 {
  font-family: var(--display);
  font-size: clamp(2.3rem, 5.6vw, 4.1rem);
  font-weight: 800;
  line-height: 1.02;
  letter-spacing: -0.032em;
  margin: 0;
  max-width: 17ch;
}

.hero__sub {
  margin: 22px 0 0;
  max-width: 58ch;
  font-size: 1.12rem;
  color: #ccd8ee;
}

.hero__acts {
  display: flex;
  gap: 13px;
  flex-wrap: wrap;
  margin: 32px 0 44px;
}

.btn {
  display: inline-block;
  background: var(--red);
  color: #fff;
  text-decoration: none;
  font-weight: 600;
  font-size: 0.98rem;
  padding: 15px 30px;
  border: 2px solid var(--red);
  border-radius: 2px;
}

.btn:hover {
  background: #8d0c0c;
  border-color: #8d0c0c;
}

.btn--line {
  background: transparent;
  border-color: rgba(255, 255, 255, 0.55);
  font-family: var(--display);
  font-weight: 700;
}

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

/* ---------- the record ---------- */

.record {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1px;
  background: rgba(255, 255, 255, 0.22);
  border: 1px solid rgba(255, 255, 255, 0.22);
}

.record div {
  background: rgba(255, 255, 255, 0.05);
  padding: 18px 16px;
}

.record strong {
  display: block;
  font-family: var(--display);
  font-weight: 800;
  font-size: clamp(1.4rem, 3vw, 2rem);
  line-height: 1;
  letter-spacing: -0.03em;
  font-variant-numeric: tabular-nums;
}

.record span {
  display: block;
  margin-top: 6px;
  font-size: 0.82rem;
  color: #a9bcdc;
  line-height: 1.3;
}

/* On white, the record inverts. */
.quote .record {
  background: var(--rule);
  border-color: var(--rule);
}

.quote .record div {
  background: var(--tint);
}

.quote .record strong {
  color: var(--navy);
}

.quote .record span {
  color: var(--faint);
}

/* ---------- sections ---------- */

.section {
  padding: 72px 0;
}

.section--tint {
  background: var(--tint);
  border-top: 1px solid var(--rule);
  border-bottom: 1px solid var(--rule);
}

.h2 {
  font-family: var(--display);
  font-weight: 700;
  font-size: clamp(1.6rem, 3.3vw, 2.4rem);
  line-height: 1.08;
  letter-spacing: -0.03em;
  margin: 0 0 12px;
  color: var(--navy-ink);
  max-width: 24ch;
}

.sub {
  margin: 0 0 34px;
  max-width: 64ch;
  color: var(--muted);
}

.head {
  padding: 62px 0 42px;
  background: var(--tint);
  border-bottom: 1px solid var(--rule);
}

.head h1 {
  font-family: var(--display);
  font-weight: 800;
  font-size: clamp(2rem, 4.8vw, 3.3rem);
  line-height: 1.04;
  letter-spacing: -0.032em;
  margin: 0;
  color: var(--navy-ink);
  max-width: 20ch;
}

.head .lede {
  margin: 16px 0 0;
  max-width: 60ch;
  font-size: 1.1rem;
  color: var(--muted);
}

.head__kicker {
  font-size: 0.76rem;
  font-weight: 600;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--red);
  margin: 0 0 12px;
}

/* ---------- the rate sheet ---------- */

.sheet {
  border-top: 2px solid var(--navy);
}

.plate {
  display: grid;
  grid-template-columns: 1fr 1.25fr;
  gap: 36px;
  align-items: center;
  padding: 26px 0;
  border-bottom: 1px solid var(--rule);
  text-decoration: none;
  color: inherit;
}

.plate:hover {
  background: rgba(7, 45, 121, 0.035);
}

.plate__name h3 {
  font-family: var(--display);
  font-weight: 700;
  font-size: clamp(1.3rem, 2.6vw, 1.75rem);
  line-height: 1.1;
  letter-spacing: -0.028em;
  margin: 0 0 7px;
  color: var(--navy);
}

.plate__name p {
  margin: 0;
  color: var(--muted);
  font-size: 0.98rem;
  max-width: 40ch;
}

.plate__more {
  display: inline-block;
  margin-top: 10px;
  font-size: 0.82rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--red);
}

.plate:hover .plate__more {
  text-decoration: underline;
}

/* The four published figures. Value above label: a four-cell grid reads
   faster than four label/value pairs, and the value is what is being read. */
.plate__figs {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1px;
  margin: 0;
  background: var(--rule);
  border: 1px solid var(--rule);
}

.plate__figs > div {
  background: #fff;
  padding: 14px 12px;
  text-align: center;
}

.plate__figs dd {
  margin: 0;
  font-family: var(--display);
  font-weight: 700;
  font-size: 1.02rem;
  line-height: 1.15;
  letter-spacing: -0.02em;
  color: var(--navy-ink);
  font-variant-numeric: tabular-nums;
}

.plate__figs dt {
  margin-top: 6px;
  font-size: 0.72rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--faint);
}

.section--tint .plate__figs > div {
  background: #fff;
}

.plate__figs--hero {
  margin-top: 28px;
  max-width: 720px;
}

/* ---------- why ---------- */

.why {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 0;
  border-top: 2px solid var(--navy);
}

.why__item {
  padding: 26px 28px 26px 0;
  border-bottom: 1px solid var(--rule);
}

.why__item:nth-child(odd) {
  border-right: 1px solid var(--rule);
}

.why__item:nth-child(even) {
  padding-left: 28px;
}

.why__item h3 {
  font-family: var(--display);
  font-weight: 700;
  font-size: 1.15rem;
  letter-spacing: -0.02em;
  margin: 0 0 8px;
  color: var(--navy);
}

.why__item p {
  margin: 0;
  color: var(--muted);
  font-size: 0.98rem;
}

/* ---------- steps ---------- */

.steps {
  list-style: none;
  counter-reset: s;
  margin: 0;
  padding: 0;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}

.steps li {
  counter-increment: s;
  border-top: 6px solid var(--navy);
  padding-top: 18px;
  position: relative;
}

.steps li::before {
  content: counter(s);
  display: block;
  font-family: var(--display);
  font-weight: 800;
  font-size: 2.2rem;
  line-height: 1;
  color: var(--red);
  letter-spacing: -0.04em;
  margin-bottom: 10px;
}

.steps h3 {
  font-family: var(--display);
  font-weight: 700;
  font-size: 1.16rem;
  letter-spacing: -0.02em;
  margin: 0 0 8px;
  color: var(--navy-ink);
}

.steps p {
  margin: 0;
  color: var(--muted);
  font-size: 0.98rem;
}

/* ---------- the quote section ---------- */

.quote {
  padding: 72px 0;
  background: #fff;
  border-top: 1px solid var(--rule);
}

.quote__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 52px;
  align-items: start;
}

.quote__say h2 {
  font-family: var(--display);
  font-weight: 800;
  font-size: clamp(1.8rem, 3.6vw, 2.6rem);
  line-height: 1.04;
  letter-spacing: -0.032em;
  margin: 0 0 14px;
  color: var(--navy-ink);
}

.quote__say > p {
  margin: 0 0 26px;
  color: var(--muted);
  max-width: 46ch;
}

.quote__tel {
  margin-top: 22px !important;
  font-size: 0.96rem;
}

.quote__tel a {
  font-family: var(--display);
  font-weight: 700;
  color: var(--navy);
  text-decoration: none;
  border-bottom: 2px solid var(--red);
}

.quote__frame {
  border: 1px solid var(--rule);
  border-top: 4px solid var(--navy);
  background: #fff;
}

.quote__tab {
  background: var(--tint);
  border-bottom: 1px solid var(--rule);
  color: var(--navy);
  font-size: 0.74rem;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  padding: 11px 16px;
}

.quote__frame iframe {
  display: block;
  width: 100%;
  border: 0;
  /* No min-height: it outranks the height the form posts. See tools/forms. */
}

/* ---------- about + program pages ---------- */

.about,
.prog {
  display: grid;
  grid-template-columns: 1.3fr 1fr;
  gap: 50px;
  align-items: start;
}

.about p,
.prog__text p {
  margin: 0 0 18px;
  color: var(--muted);
}

.about figure,
.prog__fig {
  margin: 0;
}

.about img,
.prog__fig img {
  width: 100%;
  border: 1px solid var(--rule);
}

.about__act {
  margin-top: 28px !important;
}

.prog__text .h2 {
  margin-top: 34px;
  font-size: 1.45rem;
}

.prog__text .h2:first-child {
  margin-top: 0;
}

.adv {
  margin: 0 0 8px;
  border-top: 1px solid var(--rule);
}

.adv > div {
  padding: 15px 0;
  border-bottom: 1px solid var(--rule);
}

.adv dt {
  font-family: var(--display);
  font-weight: 700;
  font-size: 1.02rem;
  letter-spacing: -0.02em;
  color: var(--navy-ink);
}

.adv dd {
  margin: 5px 0 0;
  color: var(--muted);
  font-size: 0.96rem;
}

.legal {
  max-width: 74ch;
  color: var(--muted);
}

.legal p {
  margin: 0 0 16px;
}

.legal--terms {
  font-size: 0.95rem;
  border-left: 4px solid var(--navy);
  padding-left: 22px;
}

.legal a {
  color: var(--navy);
}

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

.foot {
  background: var(--navy-ink);
  color: #aab6cc;
  padding: 0 0 26px;
  font-size: 0.94rem;
}

.foot .flagrule {
  max-width: none;
  margin-bottom: 44px;
  height: 9px;
  background: linear-gradient(to bottom, var(--navy) 0 6px, var(--red) 6px 9px);
}

.foot__grid {
  display: grid;
  grid-template-columns: 1.7fr 1fr 1fr 1fr;
  gap: 36px;
}

.foot__logo {
  height: 30px;
  width: auto;
  /* The wordmark is dark on transparent; knocked out for the dark ground. */
  filter: brightness(0) invert(1);
  margin-bottom: 16px;
}

.foot p {
  margin: 0 0 10px;
  max-width: 36ch;
}

.foot__addr {
  color: var(--faint);
}

.foot h4 {
  font-family: var(--display);
  font-weight: 700;
  color: #fff;
  font-size: 0.84rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  margin: 0 0 13px;
}

.foot ul {
  list-style: none;
  margin: 0;
  padding: 0;
}

.foot li {
  padding: 4px 0;
}

.foot a {
  color: #aab6cc;
  text-decoration: none;
}

.foot a:hover {
  color: #fff;
}

.foot__rule {
  display: flex;
  justify-content: space-between;
  gap: 20px;
  flex-wrap: wrap;
  border-top: 1px solid #1e293f;
  margin-top: 40px;
  padding-top: 20px;
  font-size: 0.82rem;
  color: #6f7c94;
}

/* ---------- narrow ---------- */

@media (max-width: 960px) {
  .quote__grid,
  .about,
  .prog {
    grid-template-columns: 1fr;
    gap: 36px;
  }

  .steps {
    grid-template-columns: 1fr;
    gap: 22px;
  }

  .plate {
    grid-template-columns: 1fr;
    gap: 18px;
  }

  .foot__grid {
    grid-template-columns: 1fr 1fr;
  }
}

@media (max-width: 680px) {
  body {
    font-size: 16px;
  }

  .hero {
    padding: 56px 0 46px;
  }

  .record,
  .plate__figs {
    grid-template-columns: 1fr 1fr;
  }

  .why {
    grid-template-columns: 1fr;
  }

  .why__item,
  .why__item:nth-child(odd) {
    border-right: 0;
    padding-left: 0;
    padding-right: 0;
  }

  .why__item:nth-child(even) {
    padding-left: 0;
  }

  .foot__grid {
    grid-template-columns: 1fr;
    gap: 28px;
  }

  .mast {
    position: static;
  }

  .mast__nav {
    gap: 16px;
    width: 100%;
    margin-left: 0;
  }

  .mast__cta {
    margin-left: auto;
  }
}