:root {
  --navy: #082e60;
  --navy-2: #061f43;
  --blue: #0d4d93;
  --gold: #f2b930;
  --gold-soft: #fff4ce;
  --ink: #14243a;
  --muted: #607086;
  --cream: #fbfaf5;
  --white: #ffffff;
  --line: #dfe6ee;
  --shadow: 0 24px 70px rgba(5, 38, 78, .13);
  --radius: 24px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; overflow-x: hidden; color: var(--ink); background: var(--cream); font-family: "DM Sans", sans-serif; font-size: 16px; line-height: 1.7; -webkit-font-smoothing: antialiased; }
body.menu-open { overflow: hidden; }
img { max-width: 100%; }
a { color: inherit; text-decoration: none; }
button, input, select, textarea { font: inherit; }
.container { width: min(1160px, calc(100% - 40px)); margin-inline: auto; }
.section { padding: 108px 0; position: relative; }
.skip-link { position: fixed; left: 16px; top: -100px; padding: 10px 16px; background: var(--gold); z-index: 999; font-weight: 700; }
.skip-link:focus { top: 16px; }

.site-header { position: fixed; z-index: 100; width: 100%; top: 0; border-bottom: 1px solid transparent; transition: .3s ease; }
.site-header.scrolled { background: rgba(251,250,245,.94); backdrop-filter: blur(16px); border-color: rgba(8,46,96,.1); box-shadow: 0 8px 30px rgba(8,46,96,.06); }
.nav-wrap { height: 84px; display: flex; align-items: center; justify-content: space-between; }
.brand { display: flex; align-items: center; gap: 12px; line-height: 1.2; }
.brand-mark { width: 43px; aspect-ratio: 1; display: grid; place-items: center; background: var(--navy); color: var(--gold); border-radius: 12px 12px 4px 12px; font-family: "Playfair Display", serif; font-weight: 700; }
.brand strong, .brand small { display: block; }
.brand strong { color: var(--navy); font-size: 1rem; }
.brand small { color: var(--muted); font-size: .68rem; margin-top: 2px; letter-spacing: .06em; text-transform: uppercase; }
.site-nav { display: flex; align-items: center; gap: 30px; font-weight: 600; color: #314258; font-size: .9rem; }
.site-nav > a:not(.nav-cta) { position: relative; }
.site-nav > a:not(.nav-cta)::after { content: ""; height: 2px; width: 0; position: absolute; bottom: -7px; left: 0; background: var(--gold); transition: width .2s; }
.site-nav > a:hover::after { width: 100%; }
.nav-cta { padding: 11px 18px; border-radius: 999px; color: white; background: var(--navy); }
.menu-toggle { display: none; width: 42px; height: 42px; border: 0; background: transparent; padding: 9px; }
.menu-toggle span { display: block; height: 2px; margin: 5px 0; background: var(--navy); transition: .25s; }

.hero { min-height: 820px; display: flex; flex-direction: column; align-items: stretch; justify-content: center; overflow: hidden; background: linear-gradient(115deg, #fbfaf5 0%, #f7f8f4 56%, #e9f1f6 100%); padding-top: 150px; padding-bottom: 64px; }
.hero::before { content: ""; position: absolute; inset: 0; opacity: .38; background-image: linear-gradient(rgba(8,46,96,.035) 1px, transparent 1px), linear-gradient(90deg, rgba(8,46,96,.035) 1px, transparent 1px); background-size: 44px 44px; mask-image: linear-gradient(to right, black, transparent 75%); }
.hero-glow { position: absolute; border-radius: 50%; filter: blur(2px); }
.hero-glow-one { width: 480px; height: 480px; right: 5%; top: 14%; background: radial-gradient(circle, rgba(242,185,48,.25), transparent 68%); }
.hero-glow-two { width: 500px; height: 500px; left: -18%; bottom: -30%; background: radial-gradient(circle, rgba(13,77,147,.12), transparent 68%); }
.hero-grid { position: relative; display: grid; grid-template-columns: 1.05fr .95fr; align-items: center; gap: 64px; }
.eyebrow { margin: 0 0 18px; color: var(--blue); font-size: .73rem; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; }
.eyebrow span { display: inline-block; width: 25px; height: 2px; vertical-align: middle; margin-right: 8px; background: var(--gold); }
h1, h2 { font-family: "Playfair Display", Georgia, serif; color: var(--navy-2); line-height: 1.06; letter-spacing: -.025em; margin: 0; }
h1 { max-width: 700px; font-size: clamp(3.4rem, 5.2vw, 5.45rem); }
h2 { font-size: clamp(2.25rem, 4vw, 3.85rem); }
h1 em, h2 em { color: var(--blue); font-weight: inherit; }
.hero-lead { max-width: 630px; margin: 25px 0 31px; color: #526277; font-size: 1.08rem; line-height: 1.8; }
.hero-lead strong { color: var(--ink); }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; }
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 16px; min-height: 54px; padding: 0 24px; border: 0; border-radius: 999px; font-weight: 700; cursor: pointer; transition: transform .2s, box-shadow .2s, background .2s; }
.btn:hover { transform: translateY(-2px); }
.btn-primary { color: white; background: var(--navy); box-shadow: 0 12px 28px rgba(8,46,96,.2); }
.btn-primary:hover { background: var(--blue); box-shadow: 0 14px 30px rgba(8,46,96,.28); }
.btn-primary span, .btn-gold span { font-size: 1.1rem; }
.btn-ghost { color: var(--navy); background: rgba(255,255,255,.6); border: 1px solid rgba(8,46,96,.2); }
.hero-proof { display: flex; gap: 28px; margin-top: 45px; }
.hero-proof > div { display: flex; align-items: center; gap: 10px; padding-right: 27px; border-right: 1px solid #d3dce5; }
.hero-proof > div:last-child { border-right: 0; }
.hero-proof strong { color: var(--navy); font-family: "Playfair Display", serif; font-size: 2.1rem; line-height: 1; }
.hero-proof sup { color: var(--gold); font-size: .62em; }
.hero-proof span { color: var(--muted); font-size: .72rem; line-height: 1.35; text-transform: uppercase; letter-spacing: .04em; }

.advisor-stage { position: relative; min-height: 545px; display: grid; place-items: center; }
.hero-photo-card { position: relative; width: min(410px, 88%); height: 520px; margin: 0; overflow: hidden; background: var(--navy); border: 8px solid rgba(255,255,255,.8); border-radius: 110px 28px 100px 28px; box-shadow: 0 35px 80px rgba(6,31,67,.25); }
.hero-photo-card::after { content: ""; position: absolute; inset: 0; background: linear-gradient(180deg, transparent 46%, rgba(6,31,67,.86) 100%); pointer-events: none; }
.hero-photo-card img { width: 100%; height: 100%; display: block; object-fit: cover; object-position: 52% center; }
.hero-photo-card figcaption { position: absolute; z-index: 3; left: 28px; right: 90px; bottom: 27px; color: white; }
.hero-photo-card figcaption span { display: block; color: var(--gold); font-size: .64rem; font-weight: 700; text-transform: uppercase; letter-spacing: .11em; }
.hero-photo-card figcaption strong { display: block; margin-top: 5px; font-family: "Playfair Display", serif; font-size: 1.3rem; line-height: 1.25; }
.hero-photo-card figcaption small { display: block; margin-top: 6px; color: #cfdae7; font-size: .53rem; }
.advisor-badge { position: absolute; z-index: 4; right: 19px; bottom: 20px; width: 82px; height: 82px; display: grid; align-content: center; text-align: center; color: var(--navy); background: var(--gold); border-radius: 50%; box-shadow: 0 10px 28px rgba(0,0,0,.2); font-size: .62rem; line-height: 1.15; font-weight: 700; text-transform: uppercase; }
.advisor-badge span { display: block; font-family: "Playfair Display", serif; font-size: 1.55rem; }
.orbit { position: absolute; border: 1px solid rgba(13,77,147,.15); border-radius: 50%; }
.orbit-one { width: 500px; height: 500px; }
.orbit-two { width: 430px; height: 430px; border-style: dashed; animation: spin 40s linear infinite; }
@keyframes spin { to { transform: rotate(360deg); } }
.floating-note { position: absolute; z-index: 6; display: flex; align-items: center; gap: 10px; min-width: 190px; padding: 12px 14px; background: rgba(255,255,255,.92); backdrop-filter: blur(10px); border: 1px solid rgba(8,46,96,.08); border-radius: 14px; box-shadow: 0 14px 35px rgba(8,46,96,.15); }
.floating-note strong, .floating-note small { display: block; }
.floating-note strong { color: var(--navy); font-size: .76rem; }
.floating-note small { color: var(--muted); font-size: .62rem; }
.note-icon { width: 32px; height: 32px; display: grid; place-items: center; flex: 0 0 32px; color: var(--navy); background: var(--gold-soft); border-radius: 9px; font-weight: 800; }
.note-one { left: -8px; top: 110px; }.note-two { right: -10px; bottom: 92px; }
.local-tags { position: relative; margin-top: 55px; display: flex; align-items: center; justify-content: center; gap: 25px; color: var(--muted); font-size: .72rem; font-weight: 700; text-transform: uppercase; letter-spacing: .1em; }
.local-tags i { width: 4px; height: 4px; background: var(--gold); border-radius: 50%; }

.section-heading { margin-bottom: 52px; }
.section-heading.centered { max-width: 790px; margin-inline: auto; text-align: center; }
.section-heading > p:not(.eyebrow) { color: var(--muted); margin: 21px auto 0; max-width: 700px; }
.section-heading.split { display: grid; grid-template-columns: 1.15fr .85fr; gap: 70px; align-items: end; }
.section-heading.split > p { margin: 0; color: var(--muted); }
.trust { background: white; }
.trust-grid { display: grid; grid-template-columns: repeat(4, 1fr); border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; box-shadow: 0 25px 60px rgba(8,46,96,.06); }
.feature-card { position: relative; min-height: 310px; padding: 33px 27px; background: white; border-right: 1px solid var(--line); transition: transform .25s, background .25s; }
.feature-card:last-child { border-right: 0; }
.feature-card.featured { color: white; background: var(--navy); }
.feature-number { position: absolute; top: 22px; right: 22px; color: #aebbc8; font-size: .65rem; letter-spacing: .12em; }
.line-icon { width: 52px; height: 52px; display: grid; place-items: center; margin-bottom: 34px; color: var(--navy); background: var(--gold-soft); border-radius: 50%; font-size: 1.5rem; }
.feature-card h3, .goal-card h3, .plan-card h3, .steps h3 { color: var(--navy-2); line-height: 1.3; }
.feature-card h3 { font-family: "Playfair Display", serif; font-size: 1.35rem; }
.feature-card p { color: var(--muted); font-size: .88rem; }
.feature-card.featured h3, .feature-card.featured p { color: white; }
.feature-card.featured p { opacity: .74; }

.about { overflow: hidden; background: var(--cream); }
.about-grid { display: grid; grid-template-columns: .9fr 1.1fr; gap: 90px; align-items: center; }
.about-visual { position: relative; min-height: 560px; background: linear-gradient(140deg, #0b417f, #061f43); border-radius: 26px 130px 26px 26px; box-shadow: var(--shadow); overflow: hidden; }
.about-visual::before { content: ""; position: absolute; z-index: 1; inset: 0; background: linear-gradient(180deg, rgba(6,31,67,.04) 18%, rgba(6,31,67,.93) 100%); }
.about-visual::after { display: none; }
.about-photo { position: absolute; inset: 0; width: 100%; height: 100%; display: block; object-fit: cover; object-position: center; }
.years-panel { position: absolute; top: 32px; left: 32px; width: 205px; z-index: 2; padding: 17px 20px; background: rgba(6,31,67,.8); border: 1px solid rgba(255,255,255,.18); border-radius: 18px; backdrop-filter: blur(10px); }
.years-panel span { color: var(--gold); font-family: "Playfair Display", serif; font-size: 4rem; line-height: 1; letter-spacing: -.05em; }
.years-panel p { color: white; max-width: 210px; margin: 7px 0; line-height: 1.45; font-size: .9rem; text-transform: uppercase; letter-spacing: .08em; }
.about-quote { position: absolute; z-index: 2; left: 48px; right: 40px; bottom: 45px; padding: 25px 28px 23px; color: white; background: rgba(255,255,255,.1); border: 1px solid rgba(255,255,255,.15); border-radius: 16px; backdrop-filter: blur(8px); }
.about-quote span { color: var(--gold); position: absolute; top: -10px; font-family: Georgia, serif; font-size: 4rem; line-height: 1; }
.about-quote p { margin: 16px 0 0; font-family: "Playfair Display", serif; font-size: 1.03rem; line-height: 1.65; }
.about-copy > p:not(.eyebrow) { color: var(--muted); margin: 21px 0; }
.check-list { display: grid; grid-template-columns: 1fr 1fr; gap: 12px 18px; list-style: none; padding: 0; margin: 28px 0; font-size: .9rem; font-weight: 600; }
.check-list span { display: inline-grid; place-items: center; width: 21px; height: 21px; margin-right: 7px; color: var(--navy); background: var(--gold-soft); border-radius: 50%; font-size: .7rem; }
.text-link { color: var(--blue); font-weight: 700; border-bottom: 1px solid rgba(13,77,147,.25); padding-bottom: 5px; }
.text-link span { margin-left: 7px; transition: margin .2s; }.text-link:hover span { margin-left: 12px; }

.goals { background: #eef3f6; }
.goal-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; }
.goal-guide { display: flex; align-items: center; justify-content: space-between; gap: 35px; margin: -16px 0 24px; padding: 22px 26px; color: white; background: var(--navy); border-radius: 18px; }
.goal-guide-copy > span { color: var(--gold); font-size: .62rem; font-weight: 700; text-transform: uppercase; letter-spacing: .1em; }
.goal-guide-copy h3 { margin: 3px 0 2px; font-family: "Playfair Display", serif; font-size: 1.25rem; }
.goal-guide-copy p { margin: 0; color: #b9cbe0; font-size: .7rem; }
.goal-guide-steps { flex: 0 0 auto; display: flex; align-items: center; gap: 12px; font-size: .7rem; font-weight: 700; }
.goal-guide-steps span { display: flex; align-items: center; gap: 7px; white-space: nowrap; }
.goal-guide-steps i { width: 24px; height: 24px; display: grid; place-items: center; color: var(--navy); background: var(--gold); border-radius: 50%; font-style: normal; font-size: .62rem; }
.goal-guide-steps b { color: #7593b6; }
.goal-card { min-height: 330px; display: flex; flex-direction: column; padding: 30px; background: rgba(255,255,255,.72); border: 1px solid rgba(8,46,96,.09); border-radius: 18px; transition: transform .25s, box-shadow .25s, background .25s; }
.goal-card:hover { transform: translateY(-6px); background: white; box-shadow: 0 22px 45px rgba(8,46,96,.11); }
.goal-symbol { width: 55px; height: 55px; display: grid; place-items: center; color: var(--gold); background: var(--navy); border-radius: 16px 16px 4px 16px; font-size: 1.4rem; }
.goal-card h3 { margin: 34px 0 8px; font-family: "Playfair Display", serif; font-size: 1.35rem; }
.goal-card p { color: var(--muted); font-size: .86rem; }
.goal-card a { margin-top: auto; color: var(--blue); font-size: .8rem; font-weight: 700; }

.plans { background: white; }
.plan-tabs { display: flex; width: fit-content; max-width: 100%; margin: 0 auto 38px; padding: 6px; overflow-x: auto; background: #f2f5f7; border-radius: 999px; scrollbar-width: none; }
.plan-tab { flex: 0 0 auto; padding: 10px 17px; color: #66768a; background: transparent; border: 0; border-radius: 999px; font-size: .78rem; font-weight: 700; cursor: pointer; }
.plan-tab.active { color: white; background: var(--navy); }
.plans-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.plan-card { display: flex; flex-direction: column; padding: 31px; background: #fcfcfa; border: 1px solid var(--line); border-radius: 18px; transition: transform .25s, box-shadow .25s; }
.plan-card:hover { transform: translateY(-4px); box-shadow: 0 20px 40px rgba(8,46,96,.09); }
.plan-card[hidden] { display: none; }
.plan-label { width: fit-content; padding: 6px 10px; color: var(--blue); background: #eaf2fb; border-radius: 99px; font-size: .64rem; font-weight: 700; text-transform: uppercase; letter-spacing: .08em; }
.plan-card h3 { margin: 19px 0 7px; font-family: "Playfair Display", serif; font-size: 1.45rem; }
.plan-card p { color: var(--muted); font-size: .82rem; }
.plan-card ul { padding: 0; margin: 14px 0 24px; list-style: none; columns: 1; }
.plan-card li { padding: 6px 0 6px 18px; color: #43536a; border-bottom: 1px dashed #e4e9ee; font-size: .77rem; position: relative; }
.plan-card li::before { content: ""; position: absolute; width: 5px; height: 5px; left: 1px; top: 16px; background: var(--gold); border-radius: 50%; }
.plan-card a { margin-top: auto; color: var(--blue); font-size: .79rem; font-weight: 700; }
.plans-note { max-width: 780px; margin: 32px auto 0; color: #8290a0; text-align: center; font-size: .72rem; }

.roadmap { background: var(--cream); overflow: hidden; }
.roadmap-track { position: relative; display: grid; grid-template-columns: repeat(5, 1fr); gap: 13px; }
.roadmap-track::before { content: ""; position: absolute; z-index: 0; left: 8%; right: 8%; top: 29px; height: 1px; background: linear-gradient(90deg, transparent, rgba(8,46,96,.24) 12%, rgba(8,46,96,.24) 88%, transparent); }
.roadmap-card { position: relative; z-index: 1; min-height: 255px; padding: 0 19px 24px; border-bottom: 3px solid transparent; transition: transform .25s, border-color .25s; }
.roadmap-card:hover { transform: translateY(-5px); border-color: var(--gold); }
.roadmap-card > span { width: 58px; height: 58px; display: grid; place-items: center; margin-bottom: 31px; color: var(--navy); background: var(--gold); border: 8px solid var(--cream); border-radius: 50%; font-size: .68rem; font-weight: 800; }
.roadmap-card small { color: var(--blue); font-size: .62rem; font-weight: 700; text-transform: uppercase; letter-spacing: .1em; }
.roadmap-card h3 { margin: 6px 0 9px; color: var(--navy-2); font-family: "Playfair Display", serif; font-size: 1.35rem; }
.roadmap-card p { margin: 0; color: var(--muted); font-size: .78rem; }
.review-banner { display: flex; align-items: center; justify-content: space-between; gap: 25px; margin-top: 36px; padding: 20px 24px; background: white; border: 1px solid var(--line); border-radius: 16px; box-shadow: 0 15px 35px rgba(8,46,96,.06); }
.review-banner > div { display: flex; align-items: center; gap: 14px; }.review-banner > div > span { width: 38px; height: 38px; flex: 0 0 38px; display: grid; place-items: center; color: var(--navy); background: var(--gold-soft); border-radius: 50%; font-weight: 800; }.review-banner p { margin: 0; }.review-banner strong, .review-banner small { display: block; }.review-banner strong { color: var(--navy); }.review-banner small { color: var(--muted); }
.retirement-feature { position: relative; min-height: 430px; margin-top: 38px; overflow: hidden; background: var(--navy); border-radius: 24px; box-shadow: var(--shadow); }
.retirement-feature::after { content: ""; position: absolute; inset: 0; background: linear-gradient(90deg, rgba(6,31,67,.9) 0%, rgba(6,31,67,.4) 50%, transparent 78%); }
.retirement-feature img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; object-position: center; }
.retirement-card { position: relative; z-index: 2; width: min(475px, 54%); padding: 66px 0 60px 55px; color: white; }
.retirement-card > span { color: var(--gold); font-size: .68rem; font-weight: 700; text-transform: uppercase; letter-spacing: .1em; }
.retirement-card h3 { margin: 10px 0 14px; color: white; font-family: "Playfair Display", serif; font-size: 2.35rem; line-height: 1.15; }
.retirement-card p { color: #c3d3e4; font-size: .86rem; }
.retirement-card a { display: inline-block; margin-top: 12px; color: var(--gold); font-size: .8rem; font-weight: 700; }

.process { color: white; background: var(--navy-2); overflow: hidden; }
.process::after { content: ""; position: absolute; width: 600px; height: 600px; left: -280px; bottom: -350px; border: 1px solid rgba(242,185,48,.18); border-radius: 50%; box-shadow: inset 0 0 0 70px rgba(255,255,255,.018); }
.process-grid { display: grid; grid-template-columns: .8fr 1.2fr; gap: 100px; position: relative; z-index: 2; }
.process h2 { color: white; }
.process h2 em { color: var(--gold); }
.process-copy > p:not(.eyebrow) { color: #aebfd3; margin: 22px 0 30px; }
.process .btn-primary { color: var(--navy); background: var(--gold); box-shadow: none; }
.steps { margin: 0; padding: 0; list-style: none; border-top: 1px solid rgba(255,255,255,.14); }
.steps li { display: grid; grid-template-columns: 55px 1fr; gap: 25px; padding: 24px 0; border-bottom: 1px solid rgba(255,255,255,.14); }
.steps > li > span { color: var(--gold); font-family: "Playfair Display", serif; font-size: 1.25rem; }
.steps h3 { color: white; margin: 0 0 5px; font-size: 1.02rem; }
.steps p { color: #9eb1c8; margin: 0; font-size: .82rem; }

.policy-services { background: white; }
.services-layout { display: grid; grid-template-columns: .78fr 1.22fr; gap: 85px; align-items: start; }
.services-intro { position: sticky; top: 125px; }
.services-intro > p:not(.eyebrow) { color: var(--muted); margin: 22px 0; }
.service-callout { padding: 18px 20px; background: var(--gold-soft); border-left: 3px solid var(--gold); border-radius: 0 12px 12px 0; }
.service-callout strong, .service-callout span { display: block; }.service-callout strong { color: var(--navy); font-size: .83rem; }.service-callout span { color: var(--muted); margin-top: 3px; font-size: .68rem; }
.service-grid { display: grid; grid-template-columns: 1fr 1fr; border: 1px solid var(--line); border-radius: 20px; overflow: hidden; }
.service-item { min-height: 190px; display: flex; gap: 17px; padding: 25px; background: #fdfdfb; border-right: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.service-item:nth-child(even) { border-right: 0; }.service-item:nth-last-child(-n+2) { border-bottom: 0; }
.service-item > span { color: var(--gold); font-family: "Playfair Display", serif; font-size: 1rem; font-weight: 700; }
.service-item h3 { margin: 0 0 7px; color: var(--navy); font-family: "Playfair Display", serif; font-size: 1.1rem; line-height: 1.3; }
.service-item p { margin: 0; color: var(--muted); font-size: .76rem; }

.locations { background: var(--cream); overflow: hidden; }
.location-map { position: relative; min-height: 520px; max-width: 900px; margin: 0 auto; display: grid; place-items: center; }
.map-ring { position: absolute; border: 1px dashed rgba(8,46,96,.2); border-radius: 50%; }
.ring-a { width: 460px; height: 460px; }.ring-b { width: 690px; height: 350px; transform: rotate(-9deg); }
.map-center { width: 170px; height: 170px; display: grid; place-content: center; position: relative; z-index: 2; color: white; text-align: center; background: var(--navy); border: 12px solid white; border-radius: 50%; box-shadow: var(--shadow); }
.map-center span { color: var(--gold); font-family: "Playfair Display", serif; font-size: 3rem; line-height: 1; }
.map-center small { margin-top: 8px; color: #c7d9ec; font-size: .66rem; text-transform: uppercase; }
.location-pin { position: absolute; z-index: 3; min-width: 230px; display: flex; align-items: center; gap: 15px; padding: 15px 18px; background: white; border: 1px solid var(--line); border-radius: 14px; box-shadow: 0 16px 40px rgba(8,46,96,.11); }
.location-pin > span { width: 38px; height: 38px; flex: 0 0 38px; display: grid; place-items: center; color: var(--navy); background: var(--gold); border-radius: 50%; font-size: .7rem; font-weight: 800; }
.location-pin h3, .location-pin p { margin: 0; }.location-pin h3 { color: var(--navy); font-family: "Playfair Display", serif; }.location-pin p { color: var(--muted); font-size: .7rem; }
.pin-one { left: 1%; top: 21%; }.pin-two { right: 0; top: 15%; }.pin-three { right: 4%; bottom: 10%; }
.nearby { color: var(--muted); text-align: center; font-size: .82rem; }

.checklist-section { background: #eef3f6; }
.prep-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.prep-card { padding: 30px; background: rgba(255,255,255,.78); border: 1px solid rgba(8,46,96,.1); border-radius: 18px; }
.prep-card.featured { color: white; background: var(--navy); box-shadow: 0 24px 55px rgba(8,46,96,.2); transform: translateY(-8px); }
.prep-head { display: flex; align-items: center; gap: 15px; padding-bottom: 20px; border-bottom: 1px solid rgba(8,46,96,.1); }
.featured .prep-head { border-color: rgba(255,255,255,.15); }
.prep-head span { width: 38px; height: 38px; flex: 0 0 38px; display: grid; place-items: center; color: var(--navy); background: var(--gold); border-radius: 11px; font-size: .67rem; font-weight: 800; }
.prep-head h3 { margin: 0; color: var(--navy); font-family: "Playfair Display", serif; font-size: 1.17rem; }.featured .prep-head h3 { color: white; }
.prep-card ul { padding: 17px 0 0; margin: 0; list-style: none; }
.prep-card li { position: relative; padding: 8px 0 8px 22px; color: var(--muted); font-size: .8rem; }.featured li { color: #c5d5e6; }
.prep-card li::before { content: "✓"; position: absolute; left: 0; color: var(--blue); font-weight: 800; }.featured li::before { color: var(--gold); }
.checklist-note { margin: 30px auto 0; color: var(--muted); text-align: center; font-size: .72rem; }

.faq { background: white; }
.faq-grid { display: grid; grid-template-columns: .7fr 1.3fr; gap: 100px; }
.faq-intro { position: sticky; top: 125px; align-self: start; }
.faq-intro > p:not(.eyebrow) { color: var(--muted); margin: 22px 0; }
.accordion details { border-bottom: 1px solid var(--line); }
.accordion summary { list-style: none; display: flex; justify-content: space-between; gap: 20px; padding: 24px 0; color: var(--navy-2); font-family: "Playfair Display", serif; font-size: 1.16rem; font-weight: 700; cursor: pointer; }
.accordion summary::-webkit-details-marker { display: none; }
.accordion summary span { color: var(--blue); font-family: "DM Sans", sans-serif; transition: transform .2s; }
.accordion details[open] summary span { transform: rotate(45deg); }
.accordion details p { margin: -6px 40px 24px 0; color: var(--muted); font-size: .88rem; }

.contact { padding-bottom: 60px; background: white; }
.contact-shell { display: grid; grid-template-columns: .9fr 1.1fr; gap: 75px; padding: 70px; color: white; background: linear-gradient(135deg, #082e60, #061f43); border-radius: 30px; box-shadow: var(--shadow); overflow: hidden; }
.contact-shell::before { content: ""; position: absolute; width: 380px; height: 380px; left: -150px; bottom: -210px; border: 1px solid rgba(242,185,48,.25); border-radius: 50%; box-shadow: inset 0 0 0 45px rgba(255,255,255,.02); }
.eyebrow.light { color: #bad0e9; }
.contact-copy { position: relative; z-index: 2; }
.contact-copy h2 { color: white; }.contact-copy h2 em { color: var(--gold); }
.contact-copy > p:not(.eyebrow) { color: #afc2d7; }
.contact-points { margin-top: 38px; display: grid; gap: 17px; }
.contact-points > div { display: flex; align-items: center; gap: 13px; }
.contact-points > div > span { width: 40px; height: 40px; display: grid; place-items: center; color: var(--gold); border: 1px solid rgba(255,255,255,.2); border-radius: 50%; }
.contact-points p { margin: 0; font-size: .86rem; }.contact-points small { display: block; color: #91a7c0; font-size: .65rem; text-transform: uppercase; letter-spacing: .08em; }
.lead-form { position: relative; z-index: 2; display: grid; gap: 14px; padding: 30px; color: var(--ink); background: white; border-radius: 20px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.lead-form label { color: #3c4d63; font-size: .72rem; font-weight: 700; }
.lead-form label > span { color: #8794a4; font-weight: 400; }
.lead-form input, .lead-form select, .lead-form textarea { width: 100%; margin-top: 5px; padding: 12px 13px; color: var(--ink); background: #f7f8f8; border: 1px solid #e0e5e9; border-radius: 9px; outline: none; font-size: .84rem; transition: border .2s, box-shadow .2s; }
.lead-form input:focus, .lead-form select:focus, .lead-form textarea:focus { border-color: var(--blue); box-shadow: 0 0 0 3px rgba(13,77,147,.08); }
.lead-form textarea { resize: vertical; }
.btn-gold { width: 100%; color: var(--navy); background: var(--gold); }
.btn-gold:hover { background: #ffc83f; box-shadow: 0 10px 25px rgba(242,185,48,.28); }
.privacy-note { color: #8895a4; font-size: .61rem; text-align: center; line-height: 1.5; }
.form-status { display: none; margin: 0; padding: 10px 12px; color: #1e7045; background: #eaf8f0; border-radius: 8px; font-size: .75rem; text-align: center; }
.form-status.show { display: block; }

.site-footer { padding: 35px 0 95px; background: white; }
.footer-main { display: grid; grid-template-columns: 1fr 1.3fr .5fr; align-items: center; gap: 50px; padding-bottom: 30px; border-bottom: 1px solid var(--line); }
.footer-main > p { color: var(--muted); font-size: .78rem; }
.back-top { justify-self: end; color: var(--blue); font-size: .78rem; font-weight: 700; }
.footer-bottom { display: grid; grid-template-columns: auto 1fr; gap: 55px; padding-top: 24px; color: #8794a3; font-size: .64rem; }
.footer-bottom p { margin: 0; }.disclaimer { text-align: right; }
.mobile-cta { display: none; }

.reveal { opacity: 0; transform: translateY(22px); transition: opacity .7s ease, transform .7s ease; }
.reveal.is-visible { opacity: 1; transform: none; }
.reveal-delay { transition-delay: .12s; }

@media (max-width: 1050px) {
  .hero-grid { gap: 25px; }.floating-note.note-two { right: -5px; }.trust-grid { grid-template-columns: 1fr 1fr; }.feature-card { border-bottom: 1px solid var(--line); }.feature-card:nth-child(2) { border-right: 0; }.goal-grid { grid-template-columns: 1fr 1fr; }.goal-guide { align-items: flex-start; flex-direction: column; }.plans-grid { grid-template-columns: 1fr 1fr; }.roadmap-track { grid-template-columns: repeat(3, 1fr); row-gap: 25px; }.roadmap-track::before { display: none; }.services-layout { gap: 45px; }.contact-shell { padding: 50px; gap: 45px; }
}

@media (max-width: 820px) {
  .section { padding: 78px 0; }.container { width: min(100% - 30px, 680px); }
  .menu-toggle { display: block; position: relative; z-index: 102; }.site-nav { position: fixed; inset: 0; display: flex; flex-direction: column; justify-content: center; gap: 25px; color: white; background: var(--navy-2); transform: translateX(100%); transition: transform .3s ease; }.site-nav.open { transform: none; }.site-nav a { font-size: 1.15rem; }.nav-cta { color: var(--navy)!important; background: var(--gold); }.menu-toggle.active span { background: white; }.menu-toggle.active span:nth-child(1) { transform: translateY(7px) rotate(45deg); }.menu-toggle.active span:nth-child(2) { opacity: 0; }.menu-toggle.active span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }
  .hero { min-height: auto; padding-top: 125px; }.hero-grid { grid-template-columns: 1fr; }.hero-copy { text-align: center; }.hero-lead { margin-inline: auto; }.hero-actions, .hero-proof { justify-content: center; }.advisor-stage { margin-top: 30px; }.local-tags { flex-wrap: wrap; margin-top: 30px; }
  .section-heading.split, .about-grid, .process-grid, .services-layout, .faq-grid, .contact-shell { grid-template-columns: 1fr; }.section-heading.split { gap: 18px; }.about-grid, .faq-grid { gap: 55px; }.about-visual { min-height: 480px; }.process-grid { gap: 55px; }.services-intro, .faq-intro { position: static; }.retirement-feature::after { background: linear-gradient(90deg, rgba(6,31,67,.9), rgba(6,31,67,.52)); }.retirement-card { width: 70%; }.prep-grid { grid-template-columns: 1fr; max-width: 580px; margin: 0 auto; }.prep-card.featured { transform: none; }.contact-shell { gap: 35px; padding: 42px; }
  .location-map { transform: scale(.82); margin: -40px auto; }.footer-main { grid-template-columns: 1fr; gap: 15px; text-align: center; }.footer-brand { justify-content: center; }.back-top { justify-self: center; }.footer-bottom { grid-template-columns: 1fr; gap: 13px; text-align: center; }.disclaimer { text-align: center; }
}

@media (max-width: 580px) {
  body { padding-bottom: 67px; }.section { padding: 68px 0; }.container { width: calc(100% - 24px); }.nav-wrap { height: 72px; }.brand-mark { width: 39px; }.brand small { font-size: .59rem; }
  .hero { padding-top: 110px; padding-bottom: 45px; }.hero-copy { text-align: left; }h1 { font-size: clamp(2.75rem, 13vw, 3.6rem); }.hero-actions { justify-content: flex-start; }.hero-actions .btn { width: 100%; }.hero-proof { gap: 10px; justify-content: space-between; }.hero-proof > div { display: block; padding-right: 10px; }.hero-proof strong, .hero-proof span { display: block; }.hero-proof strong { font-size: 1.65rem; }.hero-proof span { margin-top: 5px; font-size: .56rem; }
  .advisor-stage { min-height: 470px; }.hero-photo-card { width: 88%; height: 440px; border-radius: 80px 24px 75px 24px; }.hero-photo-card figcaption { left: 20px; right: 72px; bottom: 20px; }.hero-photo-card figcaption strong { font-size: 1.08rem; }.advisor-badge { width: 70px; height: 70px; }.orbit-one { width: 390px; height: 390px; }.orbit-two { width: 330px; height: 330px; }.floating-note { min-width: 166px; padding: 9px; }.note-one { left: 0; top: 95px; }.note-two { right: 0; bottom: 56px; }.local-tags { display: grid; gap: 4px; justify-content: start; padding: 16px; background: rgba(255,255,255,.5); border-radius: 12px; }.local-tags i { display: none; }
  h2 { font-size: 2.35rem; }.section-heading { margin-bottom: 38px; }.section-heading br { display: none; }.trust-grid, .goal-grid, .plans-grid, .roadmap-track, .service-grid { grid-template-columns: 1fr; }.feature-card { min-height: 0; border-right: 0; }.about-grid { gap: 42px; }.about-visual { min-height: 430px; border-radius: 22px 90px 22px 22px; }.years-panel { top: 20px; left: 20px; padding: 13px 16px; }.years-panel span { font-size: 3rem; }.about-quote { left: 20px; right: 20px; bottom: 20px; }.check-list { grid-template-columns: 1fr; }.goal-guide-steps { width: 100%; align-items: stretch; flex-direction: column; }.goal-guide-steps b { display: none; }.goal-guide-steps span { padding: 8px 0; border-bottom: 1px solid rgba(255,255,255,.12); }.goal-card { min-height: 290px; }.plan-tabs { width: 100%; justify-content: flex-start; }.plan-card { padding: 25px; }.roadmap-card { min-height: 0; padding-bottom: 22px; }.roadmap-card > span { margin-bottom: 15px; }.retirement-feature { min-height: 500px; }.retirement-feature::after { background: linear-gradient(180deg, rgba(6,31,67,.2), rgba(6,31,67,.95) 68%); }.retirement-feature img { object-position: 66% center; }.retirement-card { position: absolute; left: 0; right: 0; bottom: 0; width: auto; padding: 30px 24px; }.retirement-card h3 { font-size: 1.75rem; }.review-banner { align-items: flex-start; flex-direction: column; }.service-item { min-height: 0; border-right: 0; }.service-item:nth-last-child(-n+2) { border-bottom: 1px solid var(--line); }.service-item:last-child { border-bottom: 0; }
  .steps li { grid-template-columns: 40px 1fr; gap: 15px; }.location-map { min-height: 560px; transform: none; margin: 0; }.map-ring { opacity: .45; }.ring-a { width: 330px; height: 330px; }.ring-b { width: 350px; height: 510px; }.map-center { width: 130px; height: 130px; }.location-pin { min-width: 205px; }.pin-one { left: 0; top: 3%; }.pin-two { right: 0; top: 39%; }.pin-three { left: 6%; right: auto; bottom: 2%; }.contact-shell { width: 100%; padding: 36px 18px; border-radius: 0; }.form-row { grid-template-columns: 1fr; }.lead-form { padding: 22px 16px; }.site-footer { padding-bottom: 35px; }
  .mobile-cta { position: fixed; z-index: 90; left: 0; right: 0; bottom: 0; display: flex; align-items: center; justify-content: space-between; padding: 11px 15px calc(11px + env(safe-area-inset-bottom)); color: white; background: var(--navy); box-shadow: 0 -8px 25px rgba(6,31,67,.18); }.mobile-cta span { font-size: .65rem; color: #bcd0e6; }.mobile-cta strong { color: var(--gold); font-size: .75rem; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; } *, *::before, *::after { animation-duration: .01ms!important; animation-iteration-count: 1!important; transition-duration: .01ms!important; }.reveal { opacity: 1; transform: none; }
}