/* RBC Global Advisors - shared stylesheet. Editorial, restrained, light. */
:root{
  --navy:#0A2230; --navy2:#10303F; --blue:#1478A0; --blue-dk:#0E5F80; --green:#0B7A57; --mint:#16AE82;
  --ink:#12222C; --muted:#53677A; --line:#DCE3E8; --bg:#FFFFFF; --soft:#F3F6F8; --soft2:#E9EFF3;
  --serif:Georgia,'Times New Roman',Times,serif;
  --sans:system-ui,-apple-system,'Segoe UI',Roboto,'Helvetica Neue',Arial,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--ink);font:400 17px/1.65 var(--sans)}
[hidden]{display:none!important}
img{max-width:100%;height:auto}
h1,h2,h3,h4{font-family:var(--serif);font-weight:400;line-height:1.15;margin:0;color:var(--navy);text-wrap:balance}
h1{font-size:clamp(36px,5.4vw,64px);letter-spacing:-.015em}
h2{font-size:clamp(28px,3.4vw,42px);letter-spacing:-.01em}
h3{font-size:22px}
p{margin:0}
a{color:var(--blue)}
a:hover{color:var(--blue-dk)}
:focus-visible{outline:3px solid var(--blue);outline-offset:3px;border-radius:3px}
.wrap{max-width:1180px;margin-inline:auto;padding-inline:24px}
.skip{position:absolute;left:12px;top:-70px;background:var(--navy);color:#fff;padding:10px 16px;border-radius:4px;z-index:200;font-weight:600}
.skip:focus{top:10px}
.eyebrow{font:600 12px/1 var(--sans);letter-spacing:.16em;text-transform:uppercase;color:var(--green)}
.lede{font-size:clamp(18px,1.7vw,21px);color:var(--muted);max-width:60ch;line-height:1.6}
section{scroll-margin-top:110px}
.band{padding-block:88px}
.band.soft{background:var(--soft)}
.band.dark{background:var(--navy);color:#DCE8EE}
.band.dark h2,.band.dark h3{color:#fff}
.band.dark .lede{color:#A9C0CC}
.band.dark .eyebrow{color:#5FD8B1}
.sec-head{margin-bottom:44px;max-width:760px}
.sec-head h2{margin-top:14px}
.sec-head .lede{margin-top:16px}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:48px;padding:12px 26px;border:2px solid var(--blue);background:var(--blue);color:#fff;font:600 15px/1.2 var(--sans);text-decoration:none;cursor:pointer;border-radius:2px}
.btn:hover{background:var(--blue-dk);border-color:var(--blue-dk);color:#fff}
.btn.ghost{background:transparent;color:var(--blue)}
.btn.ghost:hover{background:var(--blue);color:#fff}
.btn.sm{min-height:42px;padding:9px 18px;font-size:14px}
.dark .btn{background:#fff;border-color:#fff;color:var(--navy)}
.dark .btn:hover{background:#DCE8EE;border-color:#DCE8EE;color:var(--navy)}
.dark .btn.ghost{background:transparent;color:#fff;border-color:#ffffffa0}
.dark .btn.ghost:hover{background:#fff;color:var(--navy)}
.cta-row{display:flex;gap:14px;flex-wrap:wrap;margin-top:32px}
.arrow::after{content:"\2192";font-weight:400}

/* utility bar + header */
.util{background:var(--navy);color:#B6CBD6;font-size:13px}
.util .wrap{display:flex;justify-content:space-between;gap:16px;padding-block:8px;flex-wrap:wrap}
.util a{color:#DCE8EE;text-decoration:none;margin-left:20px}
.util a:hover{color:#fff;text-decoration:underline}
.util span{letter-spacing:.04em}
.top{position:sticky;top:0;z-index:50;background:#fff;border-bottom:1px solid var(--line)}
.bar{display:flex;align-items:center;gap:28px;min-height:76px}
.logo{display:block;line-height:0;flex:none}
.logo img{height:46px;width:auto;display:block}
.mainnav{margin-left:auto;display:flex;align-items:center;gap:6px}
.mainnav>ul{display:flex;list-style:none;margin:0;padding:0;gap:4px}
.mainnav li{position:relative}
.mainnav>ul>li>a{display:block;padding:28px 14px;color:var(--ink);text-decoration:none;font-weight:500;font-size:15.5px;border-bottom:3px solid transparent}
.mainnav>ul>li>a:hover,.mainnav>ul>li>a[aria-current]{color:var(--blue);border-bottom-color:var(--blue)}
.has-menu>a::after{content:"";display:inline-block;width:6px;height:6px;border-right:1.5px solid currentColor;border-bottom:1.5px solid currentColor;transform:rotate(45deg) translateY(-2px);margin-left:8px}
.menu{position:absolute;left:0;top:100%;min-width:260px;background:#fff;border:1px solid var(--line);border-top:3px solid var(--blue);box-shadow:0 14px 30px #0a223022;padding:10px 0;display:none;list-style:none;margin:0}
.menu.wide{min-width:300px}
.has-menu:hover>.menu,.has-menu:focus-within>.menu{display:block}
.menu a{display:block;padding:9px 20px;color:var(--ink);text-decoration:none;font-size:15px}
.menu a:hover{background:var(--soft);color:var(--blue)}
.menu small{display:block;color:var(--muted);font-size:12.5px;line-height:1.35}
.burger{display:none;margin-left:auto;background:none;border:1.5px solid var(--navy);color:var(--navy);min-height:44px;padding:8px 14px;font:600 14px var(--sans);cursor:pointer;border-radius:2px}
@media(max-width:1020px){
  .burger{display:block}
  .mainnav{display:none;position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:1px solid var(--line);padding:8px 24px 22px;flex-direction:column;align-items:stretch;max-height:calc(100vh - 120px);overflow:auto}
  .mainnav.open{display:flex}
  .mainnav>ul{flex-direction:column;gap:0}
  .mainnav>ul>li>a{padding:14px 0;border-bottom:1px solid var(--line)}
  .has-menu>a::after{display:none}
  .menu{display:block;position:static;box-shadow:none;border:0;min-width:0;padding:0 0 6px 14px}
  .menu a{padding:7px 0}
  .mainnav .btn{margin-top:16px}
}

/* hero */
.hero{padding-block:84px 76px;background:linear-gradient(180deg,#fff 0,var(--soft) 100%)}
.hero .cols{display:grid;grid-template-columns:1.35fr 1fr;gap:64px;align-items:center}
.hero h1{margin-block:20px 24px;max-width:15ch}
.hero h1 em{font-style:normal;color:var(--blue)}
.finder{background:#fff;border:1px solid var(--line);border-top:4px solid var(--navy);padding:30px;box-shadow:0 18px 40px #0a223014}
.finder h2{font-size:26px}
.finder p{color:var(--muted);font-size:15.5px;margin:10px 0 20px}
.finder label{display:block;font:600 13px var(--sans);margin-bottom:6px}
.finder select{width:100%;min-height:50px;padding:10px 12px;font:400 16px var(--sans);border:1.5px solid #B7C4CC;background:#fff;color:var(--ink);border-radius:2px;margin-bottom:16px}
.finder .btn{width:100%}
@media(max-width:900px){.hero .cols{grid-template-columns:1fr;gap:40px}.hero{padding-block:56px}}

/* proof strip */
.proof{background:var(--navy);color:#fff}
.proof .wrap{display:grid;grid-template-columns:repeat(4,1fr)}
.proof .item{padding:30px 24px;border-left:1px solid #ffffff22}
.proof .item:first-child{border-left:0;padding-left:0}
.proof .n{font:400 38px/1 var(--serif);color:#fff}
.proof .t{font-size:14.5px;color:#A9C0CC;margin-top:8px;line-height:1.4}
@media(max-width:800px){.proof .wrap{grid-template-columns:1fr 1fr}.proof .item:nth-child(3){border-left:0;padding-left:0}.proof .item{border-top:1px solid #ffffff22}.proof .item:nth-child(-n+2){border-top:0}}

/* grids and cards */
.grid{display:grid;gap:24px}
.g2{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(3,1fr)}.g4{grid-template-columns:repeat(4,1fr)}
@media(max-width:980px){.g4{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(2,1fr)}}
@media(max-width:640px){.g2,.g3,.g4{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid var(--line);padding:30px;display:flex;flex-direction:column;gap:12px;min-width:0}
.card h3{font-size:22px}
.card p{color:var(--muted);font-size:16px}
a.card{text-decoration:none;color:inherit;border-top:3px solid transparent;transition:border-color .15s,box-shadow .15s}
a.card:hover{border-top-color:var(--blue);box-shadow:0 12px 28px #0a223014}
a.card .more{margin-top:auto;padding-top:10px;color:var(--blue);font-weight:600;font-size:15px}
a.card .more::after{content:" \2192"}
.card .code{font:400 14px var(--serif);letter-spacing:.14em;color:var(--green);font-weight:700}
.soft .card{border-color:transparent}
.journey{counter-reset:j}
.journey .card{border-top:3px solid var(--navy)}
.journey .stage{font:600 12px var(--sans);letter-spacing:.16em;text-transform:uppercase;color:var(--green)}
.ticks{list-style:none;padding:0;margin:6px 0 0;display:grid;gap:9px}
.ticks li{position:relative;padding-left:26px;font-size:16px;color:var(--ink)}
.ticks li::before{content:"";position:absolute;left:2px;top:.55em;width:11px;height:6px;border-left:2px solid var(--mint);border-bottom:2px solid var(--mint);transform:rotate(-45deg)}
.dark .ticks li{color:#DCE8EE}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:0;counter-reset:s;border-top:1px solid #ffffff30}
.steps .s{padding:28px 24px 8px 0;counter-increment:s}
.steps .s::before{content:"0" counter(s);display:block;font:400 34px/1 var(--serif);color:#5FD8B1;margin-bottom:14px}
.steps h3{font-size:20px;margin-bottom:8px}
.steps p{font-size:15.5px;color:#A9C0CC}
@media(max-width:900px){.steps{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.steps{grid-template-columns:1fr}}
.light-steps{border-top:1px solid var(--line)}
.light-steps .s::before{color:var(--green)}
.light-steps p{color:var(--muted)}

/* page header (inner pages) */
.phead{background:var(--soft);padding-block:56px 60px;border-bottom:1px solid var(--line)}
.phead h1{font-size:clamp(34px,4.6vw,54px);margin-top:16px;max-width:20ch}
.phead .lede{margin-top:20px}
.crumbs{font-size:14px;color:var(--muted)}
.crumbs a{color:var(--muted);text-decoration:none}
.crumbs a:hover{text-decoration:underline;color:var(--ink)}
.crumbs span{margin-inline:8px}
.facts{display:grid;grid-template-columns:repeat(4,1fr);border:1px solid var(--line);background:#fff;margin-top:40px}
.facts div{padding:18px 22px;border-left:1px solid var(--line)}
.facts div:first-child{border-left:0}
.facts dt{font:600 11.5px var(--sans);letter-spacing:.14em;text-transform:uppercase;color:var(--muted)}
.facts dd{margin:6px 0 0;font:400 18px/1.35 var(--serif);color:var(--navy)}
@media(max-width:860px){.facts{grid-template-columns:1fr 1fr}.facts div:nth-child(3){border-left:0}.facts div:nth-child(n+3){border-top:1px solid var(--line)}}
@media(max-width:480px){.facts{grid-template-columns:1fr}.facts div{border-left:0;border-top:1px solid var(--line)}.facts div:first-child{border-top:0}}

/* two-column content */
.split{display:grid;grid-template-columns:1fr 1.5fr;gap:64px;align-items:start}
@media(max-width:900px){.split{grid-template-columns:1fr;gap:28px}}
.split h2{max-width:14ch}
.prose p+p{margin-top:16px}
.prose p{color:var(--ink)}

/* tables */
.tbl{width:100%;border-collapse:collapse;background:#fff;font-size:15.5px}
.tbl caption{text-align:left;padding:0 0 12px;font:400 14px var(--sans);color:var(--muted)}
.tbl th,.tbl td{text-align:left;padding:15px 18px;border-bottom:1px solid var(--line);vertical-align:top}
.tbl thead th{background:var(--navy);color:#fff;font:600 13px var(--sans);letter-spacing:.06em;text-transform:uppercase;border-bottom:0}
.tbl tbody th{font-weight:600;color:var(--navy);width:26%}
.tbl-wrap{overflow-x:auto;border:1px solid var(--line)}
.tbl-wrap .tbl{min-width:620px}
.note{margin-top:20px;font-size:14.5px;color:var(--muted);border-left:3px solid var(--mint);padding:4px 0 4px 16px;max-width:80ch}

/* faq */
.faq details{border-top:1px solid var(--line)}
.faq details:last-child{border-bottom:1px solid var(--line)}
.faq summary{cursor:pointer;list-style:none;padding:22px 40px 22px 0;font:400 21px/1.3 var(--serif);color:var(--navy);position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:6px;top:18px;font:300 30px/1 var(--sans);color:var(--blue)}
.faq details[open] summary::after{content:"\2212"}
.faq details p{padding:0 40px 24px 0;color:var(--muted);max-width:70ch}

/* tabs (insights) */
.chips{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:26px}
.chips button{min-height:42px;padding:8px 16px;border:1.5px solid var(--line);background:#fff;font:600 14px var(--sans);color:var(--ink);cursor:pointer;border-radius:2px}
.chips button[aria-pressed="true"]{background:var(--navy);border-color:var(--navy);color:#fff}
.cal-block{margin-bottom:40px}
.cal-block h3{margin-bottom:14px}

/* cta band */
.ctaband{background:var(--navy);color:#fff;padding-block:76px}
.ctaband .wrap{display:flex;justify-content:space-between;align-items:center;gap:32px;flex-wrap:wrap}
.ctaband h2{color:#fff;max-width:18ch}
.ctaband p{color:#A9C0CC;margin-top:14px;max-width:48ch}

/* contact */
.contact-grid{display:grid;grid-template-columns:1fr 1.2fr;gap:64px;align-items:start}
@media(max-width:900px){.contact-grid{grid-template-columns:1fr;gap:40px}}
.office{border:1px solid var(--line);padding:26px;background:#fff;margin-top:20px}
.office h3{font-size:20px;margin-bottom:8px}
.office p{font-size:15.5px;color:var(--muted)}
.office p+p{margin-top:6px}
form.enq{background:#fff;border:1px solid var(--line);border-top:4px solid var(--navy);padding:34px;display:grid;gap:18px;box-shadow:0 18px 40px #0a223012}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:18px}
@media(max-width:560px){.row2{grid-template-columns:1fr}form.enq{padding:22px}}
.fld{display:grid;gap:6px;min-width:0}
.fld label{font:600 13.5px var(--sans)}
.fld input,.fld select,.fld textarea{font:400 16px/1.4 var(--sans);padding:12px;border:1.5px solid #B7C4CC;border-radius:2px;background:#fff;color:var(--ink);width:100%;min-height:48px}
.fld textarea{min-height:130px;resize:vertical}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.fineprint{font-size:13.5px;color:var(--muted)}
.status{font-weight:600;min-height:1.4em;font-size:15px}
.status.ok{color:var(--green)}
.status.err{color:#B42318}

/* legal */
.legal-nav{display:flex;gap:10px;flex-wrap:wrap;margin-bottom:36px}
.legal-nav a{padding:9px 16px;border:1.5px solid var(--line);text-decoration:none;color:var(--ink);font-weight:600;font-size:14.5px;border-radius:2px}
.legal-nav a:hover{border-color:var(--blue);color:var(--blue)}
.legal-doc{max-width:78ch}
.legal-doc section{padding-top:48px;margin-top:20px;border-top:1px solid var(--line)}
.legal-doc h2{font-size:32px;margin-bottom:6px}
.legal-doc h3{font:600 18px var(--sans);margin:26px 0 8px;color:var(--navy)}
.legal-doc p,.legal-doc li{color:#2A3B46;font-size:16.5px}
.legal-doc p+p{margin-top:12px}
.legal-doc ul{padding-left:22px;margin:10px 0}
.legal-doc li{margin-bottom:6px}
.updated{color:var(--muted);font-size:14.5px;margin-bottom:12px}

/* team */
.profiles{align-items:start}
.profile{background:#fff;border:1px solid var(--line);border-top:4px solid var(--navy);padding:32px;display:flex;flex-direction:column;gap:22px;min-width:0}
.profile-head{display:flex;gap:24px;align-items:center}
.portrait{width:132px;height:132px;flex:none;border-radius:4px;object-fit:cover;background:var(--soft2)}
.portrait.ph{display:flex;align-items:center;justify-content:center;background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;font:400 40px var(--serif);letter-spacing:.06em}
.profile h3{font-size:26px}
.profile .role{color:var(--green);font-weight:600;font-size:15.5px;margin-top:6px;line-height:1.4}
.li{display:inline-flex;align-items:center;gap:8px;margin-top:14px;min-height:44px;padding:8px 14px;border:1.5px solid var(--line);color:var(--blue);text-decoration:none;font-weight:600;font-size:14.5px;border-radius:2px}
.li:hover{border-color:var(--blue);background:var(--soft);color:var(--blue-dk)}
.bio p{color:var(--ink);font-size:16.5px}
.bio p+p,.bio details>div p{margin-top:14px}
.more summary{cursor:pointer;list-style:none;display:inline-flex;align-items:center;min-height:44px;margin-top:10px;color:var(--blue);font-weight:600}
.more summary::-webkit-details-marker{display:none}
.more summary::after{content:"+";margin-left:8px;font-size:20px;line-height:1}
.more[open] summary::after{content:"\2212"}
.more .t-less{display:none}.more[open] .t-less{display:inline}.more[open] .t-more{display:none}
.more>div{padding-top:4px}
@media(max-width:560px){.profile{padding:22px}.profile-head{flex-direction:column;align-items:flex-start}.portrait{width:112px;height:112px}}

/* footer */
.foot{background:var(--navy);color:#A9C0CC;padding-block:64px 30px;font-size:15px}
.foot .wrap{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr 1fr;gap:36px}
.foot img{height:56px;width:auto;background:#fff;padding:5px 12px;margin-bottom:18px;display:block;border-radius:2px}
.foot b{display:block;color:#fff;margin-bottom:12px;font:600 14px var(--sans);letter-spacing:.04em}
.foot a,.foot .linkbtn{display:block;color:#A9C0CC;text-decoration:none;padding-block:4px}
.foot a:hover,.foot .linkbtn:hover{color:#fff;text-decoration:underline}
.linkbtn{background:none;border:0;padding:0;font:inherit;cursor:pointer;text-align:left}
.foot p{max-width:34ch;line-height:1.55}
.legalline{grid-column:1/-1;margin-top:20px;padding-top:24px;border-top:1px solid #ffffff25;font-size:13px;line-height:1.6}
.legalline p{max-width:none}
@media(max-width:980px){.foot .wrap{grid-template-columns:1fr 1fr}.foot .brand{grid-column:1/-1}}

/* consent banner */
.consent{position:fixed;left:16px;right:16px;bottom:16px;z-index:120;max-width:720px;margin-inline:auto;background:#fff;border:1px solid #B7C4CC;border-top:4px solid var(--navy);box-shadow:0 18px 50px #0a223040;padding:22px 24px}
.consent h2{font:600 18px var(--sans);margin-bottom:6px;color:var(--navy)}
.consent p{font-size:14.5px;color:var(--muted)}
.consent .row{display:flex;gap:10px;flex-wrap:wrap;margin-top:16px}

@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}
@media print{.util,.top,.consent,.ctaband,.foot{display:none}}