/* Main Street Insurance — v2 skin aligned to Main Street Funding Group */
:root{--navy:#014073;--deep:#00223E;--ink:#0B2A4A;--alice:#F0F8FF;--steel:#91B1CC;--mid:#578CB9;--accent:#578CB9;--char:#2E2E2E;--gray:#5F6B7A;--line:#DCE6F0;--max:1160px;
--head:"DM Sans",Inter,Arial,sans-serif;--body:Inter,Arial,Helvetica,sans-serif}
*{box-sizing:border-box;margin:0;padding:0}
body{font-family:var(--body);color:var(--char);background:#fff;line-height:1.6;font-size:16.5px}
h1,h2,h3,h4{font-family:var(--head);font-weight:800;color:var(--navy);line-height:1.15;letter-spacing:-.01em}
h1{font-size:46px}h2{font-size:36px}h3{font-size:20px}
p{margin-bottom:14px}
a{color:var(--navy)}
img{max-width:100%;display:block}
em{font-style:normal}
.wrap{max-width:var(--max);margin:0 auto;padding:0 24px}
.muted{color:var(--gray)}
.kicker{font-family:var(--head);font-weight:800;font-size:13px;letter-spacing:2px;text-transform:uppercase;color:var(--mid);margin-bottom:12px}
.on-dark h1,.on-dark h2,.on-dark h3{color:#fff}
.on-dark p{color:#E6F0FA}
/* buttons — MSFG pill with arrow */
.btn{display:inline-flex;align-items:center;gap:12px;background:var(--navy);color:#fff;text-decoration:none;font-family:var(--head);font-weight:700;padding:12px 8px 12px 24px;border-radius:999px;border:2px solid var(--navy);font-size:15.5px;cursor:pointer;transition:.15s}
.btn::after{content:"\2192";display:inline-flex;align-items:center;justify-content:center;width:34px;height:34px;border-radius:50%;background:#fff;color:var(--navy);font-size:18px}
.btn:hover{background:var(--deep);border-color:var(--deep)}
.btn.ghost{background:transparent;color:var(--navy)}
.btn.ghost::after{background:var(--navy);color:#fff}
.btn.ghost:hover{background:var(--alice)}
.on-dark .btn.ghost,.dark .btn.ghost{color:#fff;border-color:#fff}
.on-dark .btn.ghost::after,.dark .btn.ghost::after{background:#fff;color:var(--navy)}
.on-dark .btn.ghost:hover,.dark .btn.ghost:hover{background:rgba(255,255,255,.1)}
.btn.light{background:#fff;color:var(--navy);border-color:#fff}
.btn.light::after{background:var(--navy);color:#fff}
.btn.light:hover{background:var(--alice);border-color:var(--alice)}
.btn.plain::after{display:none}
.btn.plain{padding:11px 22px}
/* header */
header.site{position:sticky;top:0;z-index:50;background:#fff;box-shadow:0 2px 12px rgba(0,34,62,.08)}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;height:92px}
header.site .logo img{height:64px}
header.site nav{display:flex;align-items:center;gap:24px;white-space:nowrap}
header.site nav a{text-decoration:none;color:var(--char);font-weight:500;font-size:15px}
header.site nav a:hover{color:var(--navy)}
header.site nav a.btn{color:#fff;padding:8px 6px 8px 16px;font-size:14px;gap:8px}
header.site nav a.btn.ghost{color:var(--navy)}
header.site nav a.btn::after{width:28px;height:28px;font-size:15px}
.menu-btn{display:none;background:none;border:none;font-size:28px;color:var(--navy);cursor:pointer}
/* hero — full-bleed photo with navy wash, MSFG style */
.hero{position:relative;color:#fff;padding:110px 0 100px;background:var(--deep);overflow:hidden}
.hero .bg{position:absolute;inset:-4%;background-color:var(--deep);background-position:center;background-size:cover;background-repeat:no-repeat}
@keyframes kb{from{transform:scale(1)}to{transform:scale(1.08)}}
.hero::before{content:"";position:absolute;inset:0;z-index:1;background:linear-gradient(100deg,rgba(0,34,62,.92) 0%,rgba(1,64,115,.74) 50%,rgba(1,64,115,.38) 100%)}
.hero .wrap{position:relative;z-index:2;display:grid;grid-template-columns:1.2fr .8fr;gap:56px;align-items:center}
.hero h1{color:#fff;font-size:50px;margin-bottom:18px;max-width:640px}
.hero p.lead{font-size:19px;color:#E6F0FA;max-width:580px;margin-bottom:30px}
.hero .actions{display:flex;gap:14px;flex-wrap:wrap}
.hero .panel{background:#fff;border-radius:18px;padding:28px;box-shadow:0 24px 60px rgba(0,0,0,.35)}
.hero .panel h3{margin-bottom:12px;color:var(--navy)}
.hero .panel .door{display:block;text-decoration:none;border:2px solid var(--line);border-radius:14px;padding:14px 18px;margin-top:10px;transition:.15s}
.hero .panel .door:hover{border-color:var(--navy);background:var(--alice)}
.hero .panel .door b{display:block;font-family:var(--head);font-weight:800;color:var(--navy);font-size:17px;margin-bottom:2px}
.hero .panel .door span{color:var(--gray);font-size:13.5px}
.hero.sub{padding:88px 0 80px}
.hero.sub .wrap{display:block;max-width:820px}
/* sections */
section{padding:88px 0}
section.tint{background:var(--alice)}
section.dark{background:var(--navy);color:#fff}
section.deep{background:var(--deep);color:#fff}
.section-head{max-width:760px;margin-bottom:44px}
.section-head p{font-size:18px;color:var(--gray)}
.dark .section-head p,.deep .section-head p{color:#DCE9F5}
.dark .kicker,.deep .kicker{color:#BFD7EE}
.dark h1,.dark h2,.dark h3,.deep h1,.deep h2,.deep h3{color:#fff}
.grid{display:grid;gap:22px}
.grid.c2{grid-template-columns:1fr 1fr}
.grid.c3{grid-template-columns:repeat(3,1fr)}
.grid.c4{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border-radius:18px;padding:28px;border:1px solid var(--line)}
.tint .card{border:none;box-shadow:0 6px 24px rgba(0,34,62,.06)}
.card h3{margin-bottom:10px}
.card p{font-size:15px;color:var(--gray);margin:0}
/* MSFG signature: blue cards with white pill titles on navy sections */
.dark .card,.deep .card{background:var(--mid);border:none;color:#fff}
.dark .card:nth-child(3n+2),.deep .card:nth-child(3n+2){background:#3E7BB8}
.dark .card:nth-child(3n),.deep .card:nth-child(3n){background:var(--ink)}
.dark .card h3,.deep .card h3{display:inline-block;background:#fff;color:var(--navy);border-radius:999px;padding:8px 18px;font-size:17px;margin-bottom:16px}
.dark .card p,.deep .card p{color:#fff;font-size:15px}
.dark .card .tag,.deep .card .tag{display:block;background:none;color:#DCE9F5;padding:0;margin-bottom:8px;font-size:12px;letter-spacing:1.5px}
.card .num{display:inline-block;width:46px;height:46px;line-height:46px;border-radius:50%;background:var(--navy);color:#fff;text-align:center;font-family:var(--head);font-weight:800;font-size:20px;margin-bottom:14px}
.dark .card .num{background:#fff;color:var(--navy)}
.card .tag{display:inline-block;background:var(--alice);color:var(--navy);font-size:11.5px;font-weight:700;padding:3px 10px;border-radius:20px;margin-bottom:10px;letter-spacing:.5px}
.stat{text-align:center}
.stat .big{font-family:var(--head);font-size:56px;font-weight:800;color:var(--navy);line-height:1}
.stat p{margin-top:8px;color:var(--gray);font-size:15px}
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.photo{border-radius:18px;overflow:hidden;box-shadow:0 20px 50px rgba(0,34,62,.18)}
.photo img{width:100%;height:100%;object-fit:cover;aspect-ratio:4/3}
.statement{padding:6px 0 6px 28px;border-left:4px solid var(--navy)}
.statement h3{font-size:28px;line-height:1.2;margin-bottom:14px}
.statement p{color:var(--gray);font-size:16px;margin:0}
ul.checks{list-style:none;margin:18px 0}
ul.checks li{padding:10px 0 10px 36px;position:relative;border-bottom:1px solid var(--line)}
ul.checks li:last-child{border-bottom:none}
ul.checks li::before{content:"\2713";position:absolute;left:0;top:11px;width:24px;height:24px;border-radius:50%;background:var(--navy);color:#fff;font-size:13px;text-align:center;line-height:24px}
.cta{background:var(--deep);color:#fff;text-align:center;padding:84px 0}
.cta h2{color:#fff;margin-bottom:12px}
.cta p{color:#DCE9F5;max-width:640px;margin:0 auto 28px;font-size:18px}
.family{display:flex;flex-wrap:wrap;gap:12px 32px;justify-content:center}
.family span{font-family:var(--head);font-weight:700;font-size:14px;letter-spacing:1px;text-transform:uppercase;color:var(--steel)}
.family span.me{color:var(--navy)}
/* forms */
form.msi{background:#fff;border-radius:18px;padding:34px;border:1px solid var(--line);box-shadow:0 6px 24px rgba(0,34,62,.06)}
form.msi .row{display:grid;grid-template-columns:1fr 1fr;gap:6px 18px}
form.msi label{display:block;font-size:13.5px;font-weight:600;color:var(--navy);margin-bottom:12px}
form.msi label.full{grid-column:1/-1}
form.msi input,form.msi select,form.msi textarea{width:100%;margin-top:5px;padding:12px;border:1px solid #C9D6E5;border-radius:10px;font:14.5px var(--body);color:var(--char);background:#fff}
form.msi input:focus,form.msi select:focus,form.msi textarea:focus{outline:2px solid var(--steel);border-color:var(--navy)}
form.msi fieldset{border:none;margin:10px 0 6px}
form.msi legend{font-family:var(--head);color:var(--navy);font-size:17px;font-weight:800;margin-bottom:8px}
form.msi .note{font-size:13px;color:var(--gray);margin:8px 0 16px}
form.msi .ok,form.msi .err{display:none;padding:14px;border-radius:10px;margin-top:14px;font-size:14px}
form.msi .ok{background:#DFF2E3;color:#1F6B37}
form.msi .err{background:#FBE3E3;color:#8A1F1F}
.hp{position:absolute;left:-9999px}
/* footer — MSFG style */
footer.site{background:var(--deep);color:#CFE0F1;padding:60px 0 28px;font-size:14.5px}
footer.site .cols{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:32px;margin-bottom:36px}
footer.site img{height:60px;margin-bottom:14px}
footer.site h4{color:#fff;font-size:13px;letter-spacing:1.5px;text-transform:uppercase;margin-bottom:12px}
footer.site a{color:#CFE0F1;text-decoration:none;display:block;margin-bottom:8px}
footer.site a:hover{color:#fff;text-decoration:underline}
footer.site .legal{border-top:1px solid rgba(255,255,255,.15);padding-top:20px;font-size:12.5px;color:#91B1CC}
footer.site .legal p{margin-bottom:6px}
@media(max-width:900px){
  h1,.hero h1{font-size:34px}h2{font-size:28px}
  .hero .wrap,.split,.grid.c2,.grid.c3,.grid.c4,footer.site .cols,form.msi .row{grid-template-columns:1fr}
  header.site .wrap{height:76px}header.site .logo img{height:50px}
  header.site nav{display:none;position:absolute;top:76px;left:0;right:0;background:#fff;flex-direction:column;padding:18px 24px;box-shadow:0 8px 20px rgba(0,34,62,.12);gap:16px}
  header.site nav.open{display:flex}
  .menu-btn{display:block}
  section{padding:60px 0}
}

/* ---- motion ---- */
html.js .hero .on-dark > *{opacity:0;transform:translateY(18px);animation:rise .7s cubic-bezier(.2,.7,.2,1) forwards}
.hero .on-dark > *:nth-child(1){animation-delay:.05s}.hero .on-dark > *:nth-child(2){animation-delay:.15s}.hero .on-dark > *:nth-child(3){animation-delay:.28s}.hero .on-dark > *:nth-child(4){animation-delay:.4s}
html.js .hero .panel{opacity:0;transform:translateY(24px);animation:rise .8s .35s cubic-bezier(.2,.7,.2,1) forwards}
@keyframes rise{to{opacity:1;transform:none}}
html.js .reveal{opacity:0;transform:translateY(26px);transition:opacity .7s cubic-bezier(.2,.7,.2,1),transform .7s cubic-bezier(.2,.7,.2,1)}
html.js .reveal.in{opacity:1;transform:none}
.grid .reveal:nth-child(2){transition-delay:.1s}.grid .reveal:nth-child(3){transition-delay:.2s}.grid .reveal:nth-child(4){transition-delay:.3s}.grid .reveal:nth-child(5){transition-delay:.4s}.grid .reveal:nth-child(6){transition-delay:.5s}
.card,.hero .panel .door{transition:transform .25s ease,box-shadow .25s ease,border-color .15s,background .15s}
.card:hover{transform:translateY(-5px);box-shadow:0 18px 40px rgba(0,34,62,.16)}
.dark .card:hover,.deep .card:hover{box-shadow:0 18px 40px rgba(0,0,0,.35)}
.btn::after{transition:transform .2s ease}
.btn:hover::after{transform:translateX(4px)}
.photo img{transition:transform 1.2s ease}
.photo:hover img{transform:scale(1.04)}
html.js ul.checks li{opacity:0;transform:translateX(-12px);transition:opacity .5s,transform .5s}
html.js ul.checks.in li{opacity:1;transform:none}
ul.checks li:nth-child(2){transition-delay:.12s}ul.checks li:nth-child(3){transition-delay:.24s}ul.checks li:nth-child(4){transition-delay:.36s}
@media(prefers-reduced-motion:reduce){.hero .bg{animation:none}.hero .on-dark > *,.hero .panel{animation:none;opacity:1;transform:none}.reveal,ul.checks li{opacity:1;transform:none;transition:none}}

/* ---- more life ---- */
html{scroll-behavior:smooth}
#progress{position:fixed;top:0;left:0;height:3px;width:0;background:linear-gradient(90deg,var(--mid),var(--navy));z-index:100;transition:width .12s linear}
header.site{transition:box-shadow .3s,transform .3s}
header.site.scrolled{box-shadow:0 6px 24px rgba(0,34,62,.14)}
header.site.scrolled .wrap{height:76px}header.site.scrolled .logo img{height:50px}
header.site .wrap,header.site .logo img{transition:height .3s}

.hero .glow{position:absolute;z-index:1;border-radius:50%;opacity:.45;pointer-events:none}
.hero .g1{width:520px;height:520px;background:radial-gradient(circle,#4F9BE0 0%,transparent 65%);top:-160px;right:6%}
.hero .g2{width:420px;height:420px;background:radial-gradient(circle,#8DC3F5 0%,transparent 65%);bottom:-200px;left:12%}
@keyframes drift1{from{transform:translate(0,0) scale(1)}to{transform:translate(-90px,70px) scale(1.15)}}
@keyframes drift2{from{transform:translate(0,0) scale(1)}to{transform:translate(120px,-60px) scale(.9)}}
html.js .hero .panel .door{opacity:0;transform:translateX(18px);animation:slideIn .6s cubic-bezier(.2,.7,.2,1) forwards}
.hero .panel .door:nth-child(2){animation-delay:.55s}.hero .panel .door:nth-child(3){animation-delay:.7s}.hero .panel .door:nth-child(4){animation-delay:.85s}
@keyframes slideIn{to{opacity:1;transform:none}}
.hero .panel .door::after{content:"\2192";float:right;color:var(--navy);opacity:0;transform:translateX(-6px);transition:.25s}
.hero .panel .door:hover::after{opacity:1;transform:none}
.btn{position:relative;overflow:hidden}
.btn::before{content:"";position:absolute;top:0;left:-70%;width:50%;height:100%;background:linear-gradient(110deg,transparent,rgba(255,255,255,.35),transparent);transform:skewX(-20deg);transition:left .6s ease}
.btn:hover::before{left:130%}
.card{transform-style:preserve-3d;will-change:transform}
.card.tilt{transition:transform .08s linear,box-shadow .25s}
.stat .big{display:inline-block}
.stat.in .big{animation:pop .6s cubic-bezier(.2,.9,.3,1.4)}
@keyframes pop{0%{transform:scale(.6);opacity:0}100%{transform:scale(1);opacity:1}}
.card .num{position:relative}
.card.in .num::after{content:"";position:absolute;inset:-6px;border-radius:50%;border:2px solid var(--navy);opacity:0;animation:ring 1.6s ease-out .3s 2}
.dark .card.in .num::after{border-color:#fff}
@keyframes ring{0%{transform:scale(.7);opacity:.7}100%{transform:scale(1.5);opacity:0}}
ul.checks li::before{transition:transform .3s}
ul.checks li:hover::before{transform:scale(1.15)}
.marquee{overflow:hidden;position:relative;mask-image:linear-gradient(90deg,transparent,#000 12%,#000 88%,transparent)}
.marquee .track{display:flex;gap:64px;width:max-content;animation:scroll 34s linear infinite;padding:6px 0}
.marquee:hover .track{animation-play-state:paused}
.marquee span{font-family:var(--head);font-weight:700;font-size:15px;letter-spacing:1.5px;text-transform:uppercase;color:var(--steel);white-space:nowrap}
.marquee span.me{color:var(--navy)}
@keyframes scroll{from{transform:translateX(0)}to{transform:translateX(-50%)}}
.cta{position:relative;overflow:hidden}
.cta::before,.cta::after{content:"";position:absolute;border-radius:50%;opacity:.3;pointer-events:none}
.cta::before{width:520px;height:520px;background:#3E7BB8;top:-260px;left:-120px}
.cta::after{width:420px;height:420px;background:#578CB9;bottom:-240px;right:-80px}
.cta .wrap{position:relative}
.photo img{transition:transform 1.4s ease}
footer.site .logo-f{opacity:.9;transition:opacity .3s}footer.site .logo-f:hover{opacity:1}
@media(prefers-reduced-motion:reduce){.hero .glow,.marquee .track,.cta::before,.cta::after,.stat.in .big,.card.in .num::after{animation:none}.hero .panel .door{animation:none;opacity:1;transform:none}#progress{display:none}html{scroll-behavior:auto}}

/* ===== Revision Sept 2026 ===== */
.hero .bg{background-color:var(--deep)}
.hero .wrap{grid-template-columns:1.1fr .9fr}
.hero .tagline{font-family:var(--head);font-weight:700;color:#fff;letter-spacing:.3px;margin-top:6px}
.disc{font-size:12.5px;color:var(--gray);background:var(--alice);border-left:3px solid var(--steel);padding:10px 14px;border-radius:0 8px 8px 0;margin-top:18px;max-width:640px}
.on-dark-disc{background:rgba(255,255,255,.08);color:#DCE9F5;border-left-color:#fff}
.on-dark-disc a{color:#fff}
/* 11.1 cards */
.card{border:1.5px solid #C8D2DE;box-shadow:0 1px 3px rgba(16,42,67,.08)}
.tint .card{border:1.5px solid #C8D2DE}
.hero .panel .door{border:1.5px solid #C8D2DE;box-shadow:0 1px 3px rgba(16,42,67,.08)}
.hero .panel .door:hover{border-color:var(--navy);box-shadow:0 6px 16px rgba(16,42,67,.14);background:#fff}
/* 11.2 equal height, top-aligned */
.grid.eq{align-items:stretch}.grid.eq>*{display:flex;flex-direction:column;justify-content:flex-start}
.grid.eq .stat{justify-content:flex-start}.stat p{margin-top:8px}
/* 11.3 one body size */
body,.card p,.section-head p,.statement p,.hero p.lead,ul.checks li,.prose p{font-size:16.5px;line-height:1.6}
.hero p.lead{font-size:18px}.card p{font-size:15.5px}
.prose{max-width:820px}.prose h2{margin-bottom:12px}.prose h1{margin-bottom:12px}
ul.checks.wide{max-width:860px}ul.checks.wide li{padding:12px 0 12px 36px}
/* 11.4 anchors */
[id]{scroll-margin-top:100px}
/* nav dropdown */
header.site nav .dd{position:relative}
.dd-btn{background:none;border:none;font:500 15px var(--body);color:var(--char);cursor:pointer;padding:6px 0;display:flex;align-items:center;gap:6px}
.dd-btn:hover{color:var(--navy)}.caret{font-size:11px}
.dd-menu{display:none;position:absolute;top:36px;left:-14px;background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:0 12px 32px rgba(0,34,62,.16);padding:8px;min-width:270px;z-index:60}
.dd-menu a{display:block;padding:10px 14px;border-radius:8px;font-weight:500;color:var(--char)}
.dd-menu a:hover{background:var(--alice);color:var(--navy);text-decoration:none}
.dd.open .dd-menu,.dd:hover .dd-menu{display:block}
/* arrow links */
a.arrow{font-family:var(--head);font-weight:700;text-decoration:none}a.arrow:hover{text-decoration:underline}a.arrow.light{color:#fff}
/* copy box 7.3 / 11.5 */
.copybox{display:flex;align-items:center;gap:12px;flex-wrap:wrap;border:1.5px solid #C8D2DE;border-radius:12px;padding:14px 18px;margin-top:26px;background:#fff}
.copybox span{font-weight:600;color:var(--navy)}.copybox code{font-size:15px;background:var(--alice);padding:6px 10px;border-radius:8px}
.copy-btn{background:var(--navy);color:#fff;border:none;border-radius:999px;padding:8px 18px;font:700 14px var(--head);cursor:pointer}.copy-btn.done{background:#1F6B37}
/* lenders/brokers bands */
section.band{border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:#EEF2F6}
/* how it works flow 8.3 */
.flow{display:grid;grid-template-columns:repeat(6,1fr);gap:0;position:relative;margin:10px 0 0}
.flow::before{content:"";position:absolute;top:26px;left:8%;right:8%;height:3px;background:var(--steel)}
.node{position:relative;text-align:center;padding:0 8px}
.node span{display:inline-block;width:52px;height:52px;line-height:52px;border-radius:50%;background:var(--navy);color:#fff;font:800 20px var(--head);margin-bottom:10px;border:4px solid #fff;box-shadow:0 0 0 2px var(--steel)}
.node b{display:block;font:700 13.5px var(--head);color:var(--navy);line-height:1.25}
.node.ongoing span{background:var(--steel)}.node.ongoing b{color:var(--gray)}
.card.ongoing{background:var(--alice)}.card.ongoing .num{background:var(--steel)}
/* team */
.person .avatar{width:96px;height:96px;border-radius:50%;background:linear-gradient(135deg,var(--steel),var(--alice));margin-bottom:14px}
.family-line{padding:28px 0;border-top:1px solid var(--line)}.family-line p{font:700 14px var(--head);letter-spacing:1.5px;text-transform:uppercase;color:var(--steel);margin:0}
footer.site .cols.five{grid-template-columns:1.6fr 1fr 1fr 1fr 1fr}
footer.site .tag{font-family:var(--head);font-weight:700;color:#fff}
form.msi label.chk{font-weight:500;color:var(--char);margin:14px 0;display:flex;gap:10px;align-items:flex-start;font-size:14px}
form.msi label.chk input{width:auto;margin:3px 0 0}
@media(max-width:900px){.flow{grid-template-columns:1fr;gap:14px}.flow::before{display:none}.node{display:flex;align-items:center;gap:14px;text-align:left}.node span{margin:0}footer.site .cols.five{grid-template-columns:1fr 1fr}.dd-menu{position:static;box-shadow:none;border:none;padding:0 0 0 12px}.hero .tagline{font-size:14px}}

header.site nav a.portal-link{font-size:14px;color:var(--gray);font-weight:600}header.site nav a.portal-link:hover{color:var(--navy)}
.hp{position:absolute;left:-9999px;top:auto;width:1px;height:1px;overflow:hidden}