[hidden]{display:none!important}
/* Pacifico Properties: logo navy + Navy gold accent. Barlow Semi Condensed display, Public Sans body. */
:root{
  --bg:#f3f5f8; --surface:#ffffff; --ink:#122036; --muted:#566176; --line:#d9dfe8;
  --band:#0f3a63; --band-ink:#f2f6fb; --band-muted:#bccbdc;
  --gold:#f2b230; --gold-ink:#10223d; --accent-text:#86600c; --link:#135081; --ok:#2f7a4f; --err:#b3261e; --soft:#e9eef4;
  --display:"Barlow Semi Condensed","Arial Narrow",Arial,sans-serif;
  --body:"Public Sans",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;
  --r:10px; --wrap:1120px;
}
@media (prefers-color-scheme:dark){:root{
  --bg:#0c1522; --surface:#142133; --ink:#e7edf5; --muted:#a3afc1; --line:#26354b;
  --band:#0d2f50; --band-ink:#eef3f9; --band-muted:#aebfd3;
  --gold:#f4bd45; --gold-ink:#10223d; --accent-text:#f4c25a; --link:#8cbdf0; --ok:#6cc391; --err:#ff8a80; --soft:#1b2a3f; color-scheme:dark}}
*{box-sizing:border-box}
html{scroll-padding-top:90px}
body{margin:0;background:var(--bg);color:var(--ink);font:16px/1.6 var(--body);-webkit-font-smoothing:antialiased}
img,video{max-width:100%}
a{color:var(--link)}
:focus-visible{outline:3px solid var(--gold);outline-offset:2px}
.skip{position:absolute;left:-9999px}
.skip:focus{left:16px;top:8px;z-index:100;background:var(--gold);color:var(--gold-ink);padding:8px 12px;border-radius:6px}
.wrap{max-width:var(--wrap);margin:0 auto;padding-inline:20px}
h1,h2,h3{font-family:var(--display);line-height:1.1;text-wrap:balance;margin:0}
h1{font-size:clamp(2.2rem,5vw,3.4rem);font-weight:700;letter-spacing:-.01em}
h2{font-size:clamp(1.6rem,3vw,2.1rem);font-weight:700}
h3{font-size:1.3rem;font-weight:600}
p{margin:0}
.eyebrow{font:600 .78rem/1 var(--body);letter-spacing:.12em;text-transform:uppercase;color:var(--accent-text)}
.muted{color:var(--muted)}
.prose{display:grid;gap:14px;max-width:68ch}

/* header */
header.top{background:var(--band);color:var(--band-ink);position:sticky;top:0;z-index:20}
.top .wrap{display:flex;align-items:center;gap:20px;min-height:68px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;padding-block:8px;flex-shrink:0}
.brand img{height:44px;width:auto;display:block}
.brand span{font:600 .62rem/1.3 var(--body);letter-spacing:.18em;text-transform:uppercase;color:var(--band-muted);border-left:1px solid rgba(255,255,255,.25);padding-left:12px}
nav.main{display:flex;gap:2px;align-items:center;margin-left:auto}
nav.main a,nav.main summary{color:var(--band-ink);text-decoration:none;font-weight:600;font-size:.92rem;padding:8px 11px;border-radius:6px;cursor:pointer;list-style:none;white-space:nowrap}
nav.main summary::-webkit-details-marker{display:none}
nav.main a:hover,nav.main summary:hover,nav.main a[aria-current="page"]{background:rgba(255,255,255,.1)}
nav.main a[aria-current="page"]{box-shadow:inset 0 -2px 0 var(--gold)}
.login{position:relative}
.login summary{border:1px solid rgba(255,255,255,.35)}
.login[open] summary{background:rgba(255,255,255,.12)}
.login .menu{position:absolute;right:0;top:calc(100% + 8px);background:var(--surface);border:1px solid var(--line);border-radius:var(--r);box-shadow:0 12px 30px rgba(10,20,40,.25);padding:8px;min-width:240px;display:grid;gap:2px}
.login .menu a{color:var(--ink);font-weight:600;padding:10px 12px}
.login .menu a:hover{background:var(--soft)}
.login .menu small{display:block;font-weight:400;color:var(--muted);font-size:.78rem}
.navtoggle{display:none;margin-left:auto;background:transparent;border:1px solid rgba(255,255,255,.4);color:var(--band-ink);border-radius:6px;padding:8px 12px;font:600 .9rem var(--body)}
@media (max-width:1060px){
  .top .wrap{flex-wrap:wrap}
  .navtoggle{display:block}
  nav.main{display:none;width:100%;flex-direction:column;align-items:stretch;padding-bottom:12px;margin-left:0}
  nav.main.open{display:flex}
  nav.main a,nav.main summary{padding:12px}
  .login .menu{position:static;box-shadow:none;margin-top:6px}
}
@media (max-width:420px){.brand span{display:none}}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font:600 .95rem/1 var(--body);padding:13px 18px;border-radius:8px;text-decoration:none;border:0;cursor:pointer}
.btn.primary{background:var(--gold);color:var(--gold-ink)}
.btn.ghost{background:transparent;color:var(--ink);border:1px solid var(--line)}
.btn.onband{background:transparent;color:var(--band-ink);border:1px solid rgba(255,255,255,.4)}
.btn:hover{filter:brightness(1.06)}
.btn[disabled]{opacity:.6;cursor:wait}
.arrow::after{content:"→";font-weight:700}
.row{display:flex;gap:12px;flex-wrap:wrap}

/* hero */
.hero{background:var(--band);color:var(--band-ink);padding-block:44px 52px}
.hero .wrap{display:grid;gap:18px}
.hero p.lede{max-width:60ch;color:var(--band-muted);font-size:1.08rem}
.hero .eyebrow{color:var(--band-ink);display:flex;align-items:center;gap:10px}
.hero .eyebrow::before{content:"";width:22px;height:3px;background:var(--gold)}
.hero.flag{position:relative;overflow:hidden;padding-block:64px 84px;background:var(--band) url(/assets/img/flag.jpg) center/cover no-repeat}
.hero.flag video{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.hero.flag::before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(9,32,56,.94) 0%,rgba(9,32,56,.82) 42%,rgba(9,32,56,.25) 100%);z-index:1}
.hero.flag .wrap{position:relative;z-index:2}
@media (max-width:760px){.hero.flag::before{background:rgba(9,32,56,.84)}}

/* doors */
.doors{margin-top:-30px;position:relative;z-index:3}
.doors .grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
@media (max-width:900px){.doors .grid{grid-template-columns:repeat(2,1fr)}}
@media (max-width:520px){.doors .grid{grid-template-columns:1fr}}
.door{background:var(--surface);border:1px solid var(--line);border-radius:var(--r);padding:22px;display:flex;flex-direction:column;gap:10px;box-shadow:0 6px 22px rgba(20,32,58,.08)}
.door .who{font:600 .75rem/1 var(--body);letter-spacing:.1em;text-transform:uppercase;color:var(--muted)}
.door p{color:var(--muted);font-size:.95rem;flex:1}
.door .links{display:flex;flex-direction:column;gap:8px}
.door a.go{font-weight:700;text-decoration:none;color:var(--link)}

section.block{padding-block:56px}
section.block.tight{padding-top:0}
.head{display:grid;gap:10px;margin-bottom:26px;max-width:62ch}

/* client strip */
.clients{background:var(--surface);border-block:1px solid var(--line);padding-block:22px;margin-top:44px}
.clients .wrap{display:flex;gap:16px 28px;align-items:center;flex-wrap:wrap}
.clients strong{font-family:var(--display);font-size:1.25rem}
.clients a{font-weight:600;text-decoration:none}

/* facts */
.facts{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
@media (max-width:760px){.facts{grid-template-columns:1fr}}
.facts>div{border-top:3px solid var(--gold);padding-top:14px;display:grid;gap:6px;align-content:start}
.facts p{color:var(--muted)}

/* broker */
.broker{display:grid;grid-template-columns:1.1fr 1fr;gap:36px;align-items:center}
@media (max-width:860px){.broker{grid-template-columns:1fr}}
.broker img{width:100%;height:auto;border-radius:var(--r);display:block}
.broker .txt{display:grid;gap:14px;max-width:56ch}
.broker dl{display:grid;grid-template-columns:repeat(4,auto);grid-auto-flow:column;grid-template-rows:auto auto;justify-content:start;gap:4px 26px;margin:6px 0 0}
@media (max-width:480px){.broker dl{grid-template-columns:repeat(2,auto);grid-auto-flow:row;grid-template-rows:none}.broker dd{grid-row:auto}}
.broker dt{font:700 1.7rem/1 var(--display);color:var(--accent-text);font-variant-numeric:tabular-nums}
.broker dd{margin:0;font-size:.82rem;color:var(--muted)}

/* forms */
.split{display:grid;grid-template-columns:1fr 1.25fr;gap:36px;align-items:start}
@media (max-width:860px){.split{grid-template-columns:1fr}}
.formcard{background:var(--surface);border:1px solid var(--line);border-radius:var(--r);padding:26px;display:grid;gap:18px}
.fgrid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
@media (max-width:600px){.fgrid{grid-template-columns:1fr}}
.full{grid-column:1/-1}
label.f{display:grid;gap:6px;font-weight:600;font-size:.9rem}
label.f span.opt{font-weight:400;color:var(--muted)}
input[type=text],input[type=email],input[type=tel],input[type=date],input[type=search],input[type=url],select,textarea{font:inherit;font-size:.95rem;color:var(--ink);background:var(--bg);border:1px solid var(--line);border-radius:7px;padding:11px 12px;width:100%}
textarea{min-height:92px;resize:vertical}
fieldset{border:1px solid var(--line);border-radius:8px;padding:14px;margin:0}
legend{font-weight:600;font-size:.9rem;padding:0 6px}
.checks{display:grid;grid-template-columns:repeat(auto-fill,minmax(200px,1fr));gap:8px 14px}
.checks label,.consent{display:flex;gap:9px;align-items:flex-start;font-size:.92rem}
.checks input,.consent input{margin-top:4px;accent-color:var(--gold)}
.consent{color:var(--muted);font-size:.85rem}
.hp{position:absolute!important;left:-10000px;width:1px;height:1px;overflow:hidden}
.err{color:var(--err);font-size:.88rem;font-weight:600}
.done{border:1px solid var(--line);border-left:4px solid var(--ok);border-radius:var(--r);background:var(--surface);padding:24px;display:grid;gap:10px}
.done h3{color:var(--ok)}

/* services */
.svc{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
@media (max-width:900px){.svc{grid-template-columns:repeat(2,1fr)}}
@media (max-width:560px){.svc{grid-template-columns:1fr}}
.card{background:var(--surface);border:1px solid var(--line);border-radius:var(--r);padding:22px;display:flex;flex-direction:column;gap:12px;min-width:0}
.card.feature{border:2px solid var(--gold)}
.tag{align-self:flex-start;font:600 .7rem/1 var(--body);letter-spacing:.1em;text-transform:uppercase;background:var(--soft);color:var(--muted);padding:6px 8px;border-radius:4px}
.feature .tag{background:var(--gold);color:var(--gold-ink)}
.card ul{margin:0;padding-left:18px;color:var(--muted);font-size:.93rem;flex:1;display:grid;gap:3px;align-content:start}
.card .acts{display:flex;gap:10px;flex-wrap:wrap}

/* process */
ol.process{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(5,1fr);gap:14px;counter-reset:s}
ol.process.three{grid-template-columns:repeat(3,1fr)}
@media (max-width:900px){ol.process,ol.process.three{grid-template-columns:1fr}}
ol.process li{counter-increment:s;border-top:2px solid var(--line);padding-top:12px;display:grid;gap:6px;font-size:.95rem;align-content:start}
ol.process li::before{content:counter(s);font:700 1.6rem/1 var(--display);color:var(--accent-text)}
ol.process li span{color:var(--muted)}
ol.process li .row{margin-top:6px}

/* checklist */
.checklist{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(2,1fr);gap:14px}
@media (max-width:700px){.checklist{grid-template-columns:1fr}}
.checklist li{background:var(--surface);border:1px solid var(--line);border-radius:var(--r);padding:18px;display:grid;gap:4px}
.checklist li b{font-family:var(--display);font-size:1.15rem}
.checklist li span{color:var(--muted);font-size:.93rem}

/* callout */
.callout{background:var(--soft);border-radius:var(--r);padding:22px;display:flex;gap:18px;align-items:center;justify-content:space-between;flex-wrap:wrap}
.callout p{max-width:60ch}

/* vendors */
.vtools{display:grid;gap:14px;margin-bottom:20px}
.chips{display:flex;gap:8px;flex-wrap:wrap}
.chip{font:600 .82rem/1 var(--body);padding:9px 12px;border-radius:999px;border:1px solid var(--line);background:var(--surface);color:var(--ink);cursor:pointer}
.chip[aria-pressed="true"]{background:var(--band);color:var(--band-ink);border-color:var(--band)}
.count{font-size:.9rem;color:var(--muted);font-variant-numeric:tabular-nums}
.vgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}
@media (max-width:900px){.vgrid{grid-template-columns:repeat(2,1fr)}}
@media (max-width:560px){.vgrid{grid-template-columns:1fr}}
.vcard{background:var(--surface);border:1px solid var(--line);border-radius:var(--r);padding:18px;display:flex;flex-direction:column;gap:8px;min-width:0}
.vcard .cat{font:600 .7rem/1 var(--body);letter-spacing:.1em;text-transform:uppercase;color:var(--accent-text)}
.vcard h3{font-size:1.15rem}
.vcard p{color:var(--muted);font-size:.9rem;flex:1}
.vcard .contact{display:grid;gap:3px;font-size:.88rem;border-top:1px solid var(--line);padding-top:10px;overflow-wrap:anywhere}
.vcard .ph{font-variant-numeric:tabular-nums;font-weight:600;color:var(--ink);text-decoration:none}
.badge{font:600 .68rem/1 var(--body);background:var(--soft);color:var(--ink);padding:4px 6px;border-radius:4px;margin-left:6px;vertical-align:2px}
.empty{padding:30px;text-align:center;color:var(--muted);border:1px dashed var(--line);border-radius:var(--r);grid-column:1/-1}
.disclaim{font-size:.85rem;color:var(--muted);max-width:75ch}

/* team */
.team{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}
@media (max-width:760px){.team{grid-template-columns:1fr}}
.person{background:var(--surface);border:1px solid var(--line);border-radius:var(--r);padding:22px;display:grid;grid-template-columns:120px 1fr;gap:18px;align-items:start}
@media (max-width:420px){.person{grid-template-columns:1fr}}
.person img{width:120px;height:120px;object-fit:cover;border-radius:50%;background:var(--soft)}
.person .who{display:grid;gap:8px;min-width:0}
.person .role{font:600 .75rem/1 var(--body);letter-spacing:.1em;text-transform:uppercase;color:var(--accent-text)}
.person .bio{color:var(--muted);font-size:.93rem}
.person .contact{font-size:.9rem;display:flex;gap:6px 16px;flex-wrap:wrap}
.person .contact a{font-weight:600}

/* links page */
.linkgroups{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
@media (max-width:860px){.linkgroups{grid-template-columns:1fr}}
.linkgroups ul{margin:10px 0 0;padding-left:18px;display:grid;gap:8px}

footer{background:var(--band);color:var(--band-muted);padding-block:40px;font-size:.9rem;margin-top:40px}
footer .wrap{display:grid;grid-template-columns:1.2fr 1fr 1fr 1fr;gap:24px}
@media (max-width:860px){footer .wrap{grid-template-columns:1fr 1fr}}
@media (max-width:520px){footer .wrap{grid-template-columns:1fr}}
footer h4{margin:0 0 8px;color:var(--band-ink);font:600 .78rem/1 var(--body);letter-spacing:.12em;text-transform:uppercase}
footer a{color:var(--band-ink);text-decoration:none}
footer a:hover{text-decoration:underline}
footer ul{list-style:none;margin:0;padding:0;display:grid;gap:6px}
footer .eho{grid-column:1/-1;border-top:1px solid rgba(255,255,255,.15);padding-top:16px;font-size:.8rem;display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap}
@media (prefers-reduced-motion:reduce){*{scroll-behavior:auto!important}}

.lender{display:flex;align-items:center;gap:16px}
.lender img{width:72px;height:72px;border-radius:50%;object-fit:cover;flex-shrink:0}

/* address autocomplete */
.ac{position:relative}
.ac-list{position:absolute;left:0;right:0;top:calc(100% + 4px);z-index:30;margin:0;padding:6px 0 0;list-style:none;background:var(--surface);border:1px solid var(--line);border-radius:8px;box-shadow:0 12px 28px rgba(10,20,40,.18);max-height:300px;overflow:auto}
.ac-list li{padding:10px 12px;font-weight:400;font-size:.92rem;cursor:pointer;display:grid;gap:1px}
.ac-list li small{color:var(--muted);font-size:.8rem}
.ac-list li[aria-selected="true"],.ac-list li:hover{background:var(--soft)}
.ac-list .ac-credit{cursor:default;font-size:.72rem;color:var(--muted);text-align:right;padding:6px 12px;border-top:1px solid var(--line);background:none}