:root {
  color-scheme: light;
  --navy-950: #071523;
  --navy-900: #0b1d2f;
  --navy-800: #12283e;
  --navy-700: #1d3953;
  --gold-500: #c6a15b;
  --gold-400: #d9bb80;
  --gold-200: #eee1c2;
  --cream-50: #fbf8f1;
  --cream-100: #f4eee1;
  --white: #ffffff;
  --text: #162231;
  --muted: #586575;
  --border: rgba(18, 40, 62, 0.14);
  --shadow-lg: 0 24px 60px rgba(7, 21, 35, 0.12);
  --shadow-md: 0 16px 34px rgba(7, 21, 35, 0.09);
  --radius-xl: 30px;
  --radius-lg: 22px;
  --radius-md: 18px;
  --container: 1180px;
}

* {
  box-sizing: border-box;
}

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

html {
  scroll-behavior: smooth;
  overflow-x: hidden;
}

body {
  margin: 0;
  font-family: "Segoe UI", Tahoma, Geneva, Verdana, sans-serif;
  color: var(--text);
  background:
    radial-gradient(circle at top left, rgba(198, 161, 91, 0.16), transparent 26%),
    linear-gradient(180deg, #fffdf8 0%, var(--cream-50) 100%);
  line-height: 1.6;
  overflow-x: hidden;
}

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

a {
  color: inherit;
  text-decoration: none;
}

button,
a {
  -webkit-tap-highlight-color: transparent;
}

.menu-open {
  overflow: hidden;
}

.container {
  width: min(100% - 2rem, var(--container));
  margin: 0 auto;
}

.top-bar {
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
  background: var(--navy-950);
  color: rgba(255, 255, 255, 0.82);
}

.top-bar p {
  margin: 0;
  padding: 0.75rem 0;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-align: center;
  text-transform: uppercase;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 30;
  border-bottom: 1px solid rgba(18, 40, 62, 0.08);
  background: rgba(251, 248, 241, 0.92);
  backdrop-filter: blur(14px);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.5rem;
  min-height: 88px;
  overflow: visible;
}

.brand {
  display: inline-flex;
  align-items: center;
  min-width: 0;
}

.brand-logo {
  width: auto;
  height: 68px;
  object-fit: contain;
  filter: drop-shadow(0 6px 14px rgba(7, 21, 35, 0.08));
}

.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

.site-nav {
  display: flex;
  align-items: center;
  gap: 1.6rem;
}

.site-nav a,
.menu-toggle,
.disclosures-toggle {
  font-family: "Segoe UI", Tahoma, Geneva, Verdana, sans-serif;
}

.site-nav a,
.disclosures-toggle {
  position: relative;
  color: var(--navy-800);
  font-size: 0.95rem;
  font-weight: 600;
  padding: 0;
  border: 0;
  background: transparent;
  cursor: pointer;
  transition: color 0.2s ease;
}

.site-nav a::after,
.disclosures-toggle::after {
  content: "";
  position: absolute;
  left: 0;
  bottom: -0.35rem;
  width: 100%;
  height: 2px;
  background: var(--gold-500);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.2s ease;
}

.site-nav a:hover,
.site-nav a:focus-visible,
.disclosures-toggle:hover,
.disclosures-toggle:focus-visible {
  color: var(--navy-900);
}

.site-nav a:hover::after,
.site-nav a:focus-visible::after,
.disclosures-toggle:hover::after,
.disclosures-toggle:focus-visible::after {
  transform: scaleX(1);
}

.menu-toggle {
  display: none;
  width: 48px;
  height: 48px;
  padding: 0;
  border: 1px solid rgba(18, 40, 62, 0.14);
  border-radius: 14px;
  background: rgba(255, 255, 255, 0.86);
  cursor: pointer;
}

.menu-toggle span {
  display: block;
  width: 18px;
  height: 2px;
  margin: 4px auto;
  background: var(--navy-900);
  transition: transform 0.2s ease, opacity 0.2s ease;
}

.mobile-nav-toggle,
.mobile-quick-nav {
  display: none;
}

.section-anchor {
  position: relative;
  top: -110px;
  visibility: hidden;
}

.section {
  padding: 6rem 0;
}

.hero {
  position: relative;
  overflow: hidden;
  padding-top: 5.5rem;
}

.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    linear-gradient(120deg, rgba(7, 21, 35, 0.94) 0%, rgba(18, 40, 62, 0.9) 50%, rgba(25, 53, 78, 0.84) 100%);
  z-index: -2;
}

.hero::after {
  content: "";
  position: absolute;
  inset: auto -10% -25% 45%;
  height: 420px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(198, 161, 91, 0.34), transparent 68%);
  z-index: -1;
}

.hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.3fr) minmax(300px, 0.78fr);
  gap: 2rem;
  align-items: stretch;
}

.hero-copy,
.hero-panel,
.service-card,
.audience-card,
.process-card,
.consultation-panel {
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
}

.hero-copy {
  padding: 4rem;
  background: rgba(255, 255, 255, 0.06);
  box-shadow: var(--shadow-lg);
}

.eyebrow {
  margin: 0 0 1rem;
  color: var(--gold-400);
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.18em;
  text-transform: uppercase;
}

.hero h1,
.section-heading h2,
.hero-panel h2,
.consultation-panel h2 {
  font-family: Georgia, "Times New Roman", serif;
}

.hero h1 {
  margin: 0;
  max-width: 11ch;
  color: var(--white);
  font-size: clamp(2.8rem, 6vw, 5.1rem);
  line-height: 1.02;
  letter-spacing: -0.04em;
}

.hero-subheadline {
  max-width: 42rem;
  margin: 1.5rem 0 2rem;
  color: rgba(255, 255, 255, 0.82);
  font-size: 1.08rem;
}

.hero-actions,
.consultation-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.9rem;
}

.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-width: 180px;
  padding: 0.95rem 1.45rem;
  border: 1px solid transparent;
  border-radius: 999px;
  font-size: 0.95rem;
  font-weight: 700;
  transition:
    transform 0.2s ease,
    background-color 0.2s ease,
    border-color 0.2s ease,
    color 0.2s ease,
    box-shadow 0.2s ease;
}

.button:hover,
.button:focus-visible {
  transform: translateY(-1px);
}

.button-primary,
.button-gold {
  background: linear-gradient(180deg, #d6ba81 0%, var(--gold-500) 100%);
  color: var(--navy-950);
  box-shadow: 0 14px 26px rgba(7, 21, 35, 0.2);
}

.button-primary:hover,
.button-primary:focus-visible,
.button-gold:hover,
.button-gold:focus-visible {
  background: linear-gradient(180deg, #e0c58f 0%, #c19a55 100%);
}

.button-secondary,
.button-outline-light {
  border-color: rgba(255, 255, 255, 0.24);
  background: transparent;
  color: var(--white);
}

.button-secondary:hover,
.button-secondary:focus-visible,
.button-outline-light:hover,
.button-outline-light:focus-visible {
  border-color: rgba(255, 255, 255, 0.45);
  background: rgba(255, 255, 255, 0.08);
}

.hero-contact-list {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem 1.25rem;
  margin: 2rem 0 0;
  padding: 1.4rem 0 0;
  border-top: 1px solid rgba(255, 255, 255, 0.14);
  list-style: none;
  color: rgba(255, 255, 255, 0.74);
  font-size: 0.92rem;
}

.hero-contact-list a:hover,
.hero-contact-list a:focus-visible {
  color: var(--gold-200);
}

.hero-panel {
  padding: 2rem;
  background: linear-gradient(180deg, rgba(251, 248, 241, 0.95) 0%, rgba(239, 228, 199, 0.93) 100%);
  box-shadow: var(--shadow-lg);
}

.panel-label {
  margin: 0 0 0.9rem;
  color: var(--navy-700);
  font-size: 0.76rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
}

.hero-panel h2 {
  font-size: clamp(1.8rem, 3vw, 2.4rem);
  line-height: 1.12;
}

.hero-panel p {
  margin: 1rem 0 0;
  color: var(--muted);
}

.hero-panel-points {
  display: grid;
  gap: 1rem;
  margin-top: 1.6rem;
}

.hero-panel-points div {
  padding: 1rem 1rem 1rem 1.2rem;
  border-left: 3px solid var(--gold-500);
  background: rgba(255, 255, 255, 0.6);
  border-radius: 0 14px 14px 0;
}

.hero-panel-points strong {
  display: block;
  color: var(--navy-900);
  margin-bottom: 0.25rem;
}

.hero-panel-points span {
  color: var(--muted);
  font-size: 0.95rem;
}

.positioning-section {
  background: linear-gradient(180deg, rgba(255, 255, 255, 0.58) 0%, rgba(244, 238, 225, 0.56) 100%);
}

.split-layout,
.audience-grid {
  display: grid;
  grid-template-columns: minmax(220px, 0.8fr) minmax(0, 1.4fr);
  gap: 2rem;
  align-items: start;
}

.section-heading {
  max-width: 760px;
  margin-bottom: 2.2rem;
}

.section-heading.narrow {
  margin-bottom: 0;
}

.section-heading h2 {
  margin: 0;
  color: var(--navy-900);
  font-size: clamp(2rem, 4vw, 3.25rem);
  line-height: 1.08;
  letter-spacing: -0.03em;
}

.positioning-copy > p,
.audience-card > p,
.consultation-copy > p {
  margin: 0;
  color: var(--muted);
  font-size: 1.04rem;
}

.positioning-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 1rem;
  margin-top: 1.5rem;
}

.positioning-grid article,
.service-card,
.process-card,
.audience-card {
  background: rgba(255, 255, 255, 0.86);
  box-shadow: var(--shadow-md);
}

.positioning-grid article {
  padding: 1.5rem;
  border: 1px solid rgba(18, 40, 62, 0.1);
  border-radius: var(--radius-lg);
}

.positioning-grid strong {
  display: block;
  margin-bottom: 0.5rem;
  color: var(--navy-900);
}

.positioning-grid p {
  margin: 0;
  color: var(--muted);
}

.section-soft {
  background:
    linear-gradient(180deg, rgba(11, 29, 47, 0.98) 0%, rgba(18, 40, 62, 0.95) 100%);
}

.section-soft .section-heading h2,
.section-soft .eyebrow {
  color: var(--white);
}

.section-soft .eyebrow {
  color: var(--gold-400);
}

.service-grid,
.process-grid {
  display: grid;
  gap: 1.25rem;
}

.service-grid {
  grid-template-columns: repeat(4, minmax(0, 1fr));
}

.service-card {
  padding: 1.8rem;
  background: linear-gradient(180deg, rgba(255, 255, 255, 0.98) 0%, rgba(244, 238, 225, 0.98) 100%);
}

.card-index,
.step-number {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 2.2rem;
  height: 2.2rem;
  border-radius: 50%;
  background: rgba(198, 161, 91, 0.18);
  color: var(--navy-900);
  font-size: 0.86rem;
  font-weight: 700;
}

.service-card h3,
.process-card h3 {
  margin: 1rem 0 0;
  color: var(--navy-900);
  font-family: Georgia, "Times New Roman", serif;
  font-size: 1.35rem;
}

.service-card p,
.process-card p {
  margin: 0.8rem 0 0;
  color: var(--muted);
}

.audience-section {
  background: linear-gradient(180deg, rgba(255, 255, 255, 0.82) 0%, rgba(246, 241, 230, 0.9) 100%);
}

.audience-card {
  padding: 2rem;
}

.audience-list {
  margin: 1.4rem 0 0;
  padding: 0;
  list-style: none;
}

.audience-list li {
  position: relative;
  margin-top: 0.9rem;
  padding-left: 1.35rem;
  color: var(--text);
}

.audience-list li::before {
  content: "";
  position: absolute;
  top: 0.65rem;
  left: 0;
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: var(--gold-500);
}

.process-section {
  background: var(--cream-50);
}

.process-grid {
  grid-template-columns: repeat(4, minmax(0, 1fr));
}

.process-card {
  padding: 1.8rem;
}

.consultation-section {
  padding-top: 5rem;
  padding-bottom: 5rem;
}

.consultation-panel {
  display: flex;
  gap: 2rem;
  align-items: center;
  justify-content: space-between;
  padding: 2.5rem;
  background:
    linear-gradient(135deg, rgba(7, 21, 35, 0.98) 0%, rgba(18, 40, 62, 0.95) 62%, rgba(42, 66, 92, 0.94) 100%);
  box-shadow: var(--shadow-lg);
}

.consultation-container {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 60px;
  flex-wrap: wrap;
}

.consultation-left {
  flex: 1 1 620px;
  min-width: 320px;
}

.consultation-copy {
  flex: 1 1 auto;
  max-width: none;
}

.consultation-panel h2 {
  margin: 0;
  color: var(--white);
  font-size: clamp(2rem, 4vw, 3rem);
  line-height: 1.08;
}

.consultation-copy > p {
  margin-top: 1rem;
  color: rgba(255, 255, 255, 0.8);
}

.eyebrow-light {
  color: var(--gold-400);
}

.contact-details {
  display: grid;
  gap: 0.45rem;
  margin-top: 1.4rem;
}

.contact-details p {
  margin: 0;
  color: rgba(255, 255, 255, 0.82);
}

.contact-details strong {
  color: var(--white);
}

.contact-details a:hover,
.contact-details a:focus-visible {
  color: var(--gold-200);
}

.consultation-right {
  flex: 1 1 280px;
  min-width: 280px;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 30px;
}

.consultation-logo {
  max-width: 220px;
  width: 100%;
  height: auto;
  object-fit: contain;
}

.consultation-actions {
  flex: 0 1 auto;
  flex-direction: column;
  width: 100%;
  max-width: 320px;
}

.consultation-copy h2,
.consultation-copy p,
.contact-details p {
  text-align: left;
}

.consultation-actions .button {
  max-width: 100%;
  width: 100%;
}

.site-footer {
  padding: 2.4rem 0 2.8rem;
  background: var(--navy-950);
  color: rgba(255, 255, 255, 0.84);
}

.footer-inner {
  display: flex;
  justify-content: space-between;
  gap: 2rem;
  align-items: flex-start;
}

.footer-brand,
.footer-copy,
.footer-disclaimer {
  margin: 0;
}

.footer-brand {
  color: var(--white);
  font-family: Georgia, "Times New Roman", serif;
  font-size: 1.3rem;
}

.footer-copy {
  margin-top: 0.55rem;
  color: rgba(255, 255, 255, 0.78);
}

.footer-copy a:hover,
.footer-copy a:focus-visible {
  color: var(--gold-200);
}

.footer-disclaimer {
  max-width: 680px;
  color: rgba(255, 255, 255, 0.7);
  font-size: 0.93rem;
}

@media (max-width: 1080px) {
  .service-grid,
  .process-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .hero-grid,
  .bio-grid,
  .split-layout,
  .audience-grid,
  .footer-inner,
  .consultation-panel {
    grid-template-columns: 1fr;
  }

  .hero-grid,
  .bio-grid,
  .split-layout,
  .audience-grid,
  .footer-inner {
    display: grid;
  }

  .consultation-panel {
    align-items: flex-start;
  }
}

@media (max-width: 760px) {
  .menu-toggle {
    display: inline-block;
  }

  .site-nav {
    position: absolute;
    top: calc(100% + 0.8rem);
    left: 1rem;
    right: 1rem;
    display: none;
    flex-direction: column;
    align-items: flex-start;
    gap: 1rem;
    padding: 1.1rem;
    border: 1px solid rgba(18, 40, 62, 0.12);
    border-radius: 18px;
    background: rgba(251, 248, 241, 0.98);
    box-shadow: var(--shadow-md);
  }

  .site-nav.is-open {
    display: flex;
  }

  .section {
    padding: 4.5rem 0;
  }

  .hero {
    padding-top: 4rem;
  }

  .bio-hero {
    padding-top: 3.5rem;
  }

  .hero-copy,
  .hero-panel,
  .bio-hero-panel,
  .bio-copy,
  .bio-image-wrap,
  .service-card,
  .audience-card,
  .process-card,
  .consultation-panel {
    padding: 1.7rem;
  }

  .brand-logo {
    height: 58px;
  }

  .positioning-grid,
  .service-grid,
  .process-grid {
    grid-template-columns: 1fr;
  }

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

@media (max-width: 560px) {
  .container {
    width: min(100% - 1.25rem, var(--container));
  }

  .top-bar p {
    font-size: 0.68rem;
    line-height: 1.5;
  }

  .header-inner {
    min-height: 78px;
  }

  .hero h1 {
    font-size: clamp(2.3rem, 10vw, 3.5rem);
  }

  .button,
  .button-primary,
  .button-secondary,
  .button-gold,
  .button-outline-light {
    width: 100%;
  }

  .hero-actions,
  .consultation-actions {
    align-items: stretch;
  }

  .hero-contact-list {
    display: grid;
    gap: 0.7rem;
  }
}

.authority-section {
  background: linear-gradient(180deg, rgba(255, 255, 255, 0.78) 0%, rgba(244, 238, 225, 0.72) 100%);
}

.nav-item-disclosures {
  position: relative;
  padding-bottom: 0.85rem;
  margin-bottom: -0.85rem;
}

.nav-item-disclosures::after {
  content: "";
  position: absolute;
  top: 100%;
  left: 0;
  width: 100%;
  height: 0.85rem;
}

.nav-item-disclosures .disclosures-toggle {
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
}

.nav-item-disclosures .disclosures-menu {
  position: absolute;
  top: calc(100% + 0.15rem);
  left: 0;
  display: none;
  min-width: 220px;
  padding: 0.75rem;
  border: 1px solid rgba(18, 40, 62, 0.12);
  border-radius: 16px;
  background: rgba(251, 248, 241, 0.98);
  box-shadow: var(--shadow-md);
  z-index: 50;
}

.nav-item-disclosures:hover .disclosures-menu,
.nav-item-disclosures:focus-within .disclosures-menu,
.nav-item-disclosures.is-open .disclosures-menu {
  display: grid;
  gap: 0.5rem;
}

.disclosures-menu a {
  padding: 0.7rem 0.85rem;
  border-radius: 12px;
  color: var(--navy-900);
  background: rgba(11, 29, 47, 0.03);
}

.disclosures-menu a:hover,
.disclosures-menu a:focus-visible {
  background: rgba(11, 29, 47, 0.08);
}

@media (max-width: 900px) {
  .site-header {
    overflow: visible;
    backdrop-filter: none;
  }

  .site-nav {
    display: none !important;
  }

  .mobile-nav-toggle {
    position: fixed;
    bottom: 1rem;
    left: 1rem;
    z-index: 140;
    display: inline-flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    gap: 4px;
    width: 52px;
    height: 52px;
    padding: 0;
    border: 1px solid rgba(18, 40, 62, 0.14);
    border-radius: 16px;
    background: rgba(251, 248, 241, 0.98);
    box-shadow: var(--shadow-md);
    cursor: pointer;
    pointer-events: auto;
    touch-action: manipulation;
  }

  .mobile-nav-toggle span {
    display: block;
    width: 20px;
    height: 2px;
    background: var(--navy-900);
    transition: transform 0.2s ease, opacity 0.2s ease;
  }

  .mobile-nav-toggle.is-open span:nth-child(1) {
    transform: translateY(6px) rotate(45deg);
  }

  .mobile-nav-toggle.is-open span:nth-child(2) {
    opacity: 0;
  }

  .mobile-nav-toggle.is-open span:nth-child(3) {
    transform: translateY(-6px) rotate(-45deg);
  }

  .mobile-quick-nav {
    position: fixed;
    bottom: calc(1rem + 60px);
    left: 1rem;
    z-index: 200;
    display: grid;
    width: min(280px, calc(100vw - 2rem));
    padding: 0.85rem;
    border: 1px solid rgba(18, 40, 62, 0.12);
    border-radius: 18px;
    background: rgba(251, 248, 241, 0.98);
    box-shadow: var(--shadow-lg);
    opacity: 0;
    visibility: hidden;
    transform: translateY(8px);
    pointer-events: none;
    transition: opacity 0.18s ease, transform 0.18s ease, visibility 0.18s ease;
  }

  .mobile-quick-nav.is-open {
    gap: 0.55rem;
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
    pointer-events: auto;
  }

  .mobile-quick-nav a {
    display: block;
    padding: 0.85rem 0.95rem;
    border-radius: 12px;
    color: var(--navy-900);
    background: rgba(11, 29, 47, 0.03);
    font-weight: 600;
  }

  .mobile-quick-nav a:hover,
  .mobile-quick-nav a:focus-visible {
    background: rgba(198, 161, 91, 0.18);
  }
}

.bio-hero {
  padding-top: 5rem;
}

.bio-hero-panel {
  padding: 3rem;
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  background:
    linear-gradient(135deg, rgba(7, 21, 35, 0.98) 0%, rgba(18, 40, 62, 0.95) 62%, rgba(42, 66, 92, 0.94) 100%);
  box-shadow: var(--shadow-lg);
}

.bio-hero h1 {
  margin: 0;
  color: var(--white);
  font-family: Georgia, "Times New Roman", serif;
  font-size: clamp(2.5rem, 5vw, 4.2rem);
  line-height: 1.05;
  letter-spacing: -0.03em;
}

.bio-hero-copy {
  max-width: 44rem;
  margin: 1rem 0 0;
  color: rgba(255, 255, 255, 0.82);
  font-size: 1.08rem;
}

.bio-section {
  padding-top: 0;
}

.bio-grid {
  display: grid;
  grid-template-columns: minmax(280px, 0.85fr) minmax(0, 1.15fr);
  gap: 2rem;
  align-items: start;
}

.bio-image-wrap {
  padding: 1rem;
  border: 1px solid rgba(18, 40, 62, 0.1);
  border-radius: var(--radius-xl);
  background: rgba(255, 255, 255, 0.9);
  box-shadow: var(--shadow-md);
}

.bio-image {
  width: 100%;
  border-radius: calc(var(--radius-xl) - 8px);
  object-fit: cover;
  aspect-ratio: 4 / 5;
  background: linear-gradient(180deg, rgba(244, 238, 225, 0.9) 0%, rgba(255, 255, 255, 0.95) 100%);
}

.bio-copy {
  padding: 2rem;
  border: 1px solid rgba(18, 40, 62, 0.1);
  border-radius: var(--radius-xl);
  background: rgba(255, 255, 255, 0.88);
  box-shadow: var(--shadow-md);
}

.bio-copy p {
  margin: 0;
  color: var(--muted);
  font-size: 1.03rem;
}

.bio-copy p + p {
  margin-top: 1rem;
}

.brokercheck-section {
  padding-top: 0;
}

.brokercheck-panel {
  padding: 2rem;
  border: 1px solid rgba(18, 40, 62, 0.1);
  border-radius: var(--radius-xl);
  background: rgba(255, 255, 255, 0.9);
  box-shadow: var(--shadow-md);
  text-align: center;
}

.brokercheck-copy {
  max-width: 760px;
  margin: 0.75rem auto 0;
  color: var(--muted);
}

.authority-copy {
  max-width: 860px;
  margin: 0;
  color: var(--muted);
  font-size: 1.05rem;
}

.trust-points {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1rem;
  margin-top: 1.5rem;
}

.trust-point {
  padding: 1.2rem 1.1rem;
  border: 1px solid rgba(18, 40, 62, 0.1);
  border-radius: var(--radius-lg);
  background: rgba(255, 255, 255, 0.88);
  box-shadow: var(--shadow-md);
  color: var(--navy-900);
  font-weight: 600;
}

.micro-positioning {
  margin: -0.5rem 0 1.5rem;
  color: var(--gold-200);
  font-size: 0.98rem;
  font-weight: 600;
}

.consultation-note {
  margin-top: 0.85rem;
  color: rgba(255, 255, 255, 0.78);
  font-size: 0.96rem;
}

.contact-form {
  margin-top: 1.6rem;
  max-width: 760px;
}

.form-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 1rem;
  margin-bottom: 1rem;
}

.form-field {
  display: flex;
  flex-direction: column;
  gap: 0.45rem;
}

.form-field-full {
  grid-column: 1 / -1;
}

.form-field label {
  color: rgba(255, 255, 255, 0.88);
  font-size: 0.9rem;
  font-weight: 600;
}

.form-field input,
.form-field textarea {
  width: 100%;
  padding: 0.9rem 1rem;
  border: 1px solid rgba(255, 255, 255, 0.16);
  border-radius: 14px;
  background: rgba(255, 255, 255, 0.08);
  color: #ffffff;
  font: inherit;
  outline: none;
  transition: border-color 0.2s ease, background-color 0.2s ease;
}

.form-field textarea {
  resize: vertical;
  min-height: 140px;
}

.form-field input::placeholder,
.form-field textarea::placeholder {
  color: rgba(255, 255, 255, 0.58);
}

.form-field input:focus,
.form-field textarea:focus {
  border-color: rgba(217, 187, 128, 0.9);
  background: rgba(255, 255, 255, 0.12);
}

.contact-form .button {
  margin-top: 0.25rem;
}

@media (max-width: 900px) {
  .trust-points {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 760px) {
  .form-grid {
    grid-template-columns: 1fr;
  }

  .contact-form .button {
    width: 100%;
  }
}

.centered-heading {
  text-align: center;
  margin-left: auto;
  margin-right: auto;
}

.disclosures-section {
  background: linear-gradient(180deg, rgba(255, 255, 255, 0.9) 0%, rgba(244, 238, 225, 0.82) 100%);
  border-top: 1px solid rgba(18, 40, 62, 0.08);
}

.disclosures-panel {
  padding: 2rem;
  border: 1px solid rgba(18, 40, 62, 0.1);
  border-radius: var(--radius-xl);
  background: rgba(255, 255, 255, 0.88);
  box-shadow: var(--shadow-md);
}

.disclosures-copy {
  max-width: 860px;
  margin: 0 auto;
  color: var(--muted);
  font-size: 1.02rem;
  text-align: center;
}

.disclosures-actions {
  display: flex;
  justify-content: center;
  flex-wrap: wrap;
  gap: 1rem;
  margin-top: 1.5rem;
}

.button-secondary-disclosure {
  border-color: rgba(18, 40, 62, 0.14);
  background: rgba(11, 29, 47, 0.04);
  color: var(--navy-900);
}

.button-secondary-disclosure:hover,
.button-secondary-disclosure:focus-visible {
  border-color: rgba(18, 40, 62, 0.24);
  background: rgba(11, 29, 47, 0.08);
}

.disclosures-notes {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 1rem;
  margin-top: 1.5rem;
}

.disclosure-note-card {
  padding: 1.35rem;
  border: 1px solid rgba(18, 40, 62, 0.08);
  border-radius: var(--radius-lg);
  background: rgba(251, 248, 241, 0.9);
}

.disclosure-note-card h3 {
  margin: 0 0 0.55rem;
  color: var(--navy-900);
  font-family: Georgia, "Times New Roman", serif;
  font-size: 1.2rem;
}

.disclosure-note-card p {
  margin: 0;
  color: var(--muted);
}

.disclosures-footnote {
  margin: 1.2rem 0 0;
  color: var(--muted);
  font-size: 0.92rem;
  text-align: center;
}

@media (max-width: 760px) {
  .nav-item-disclosures .disclosures-menu {
    position: static;
    display: grid;
    margin-top: 0.5rem;
  }

  .disclosures-notes {
    grid-template-columns: 1fr;
  }

  .disclosures-panel {
    padding: 1.5rem;
  }
}

.container,
.hero-grid,
.split-layout,
.audience-grid,
.footer-inner,
.consultation-panel,
.consultation-copy,
.consultation-actions,
.form-grid,
.form-field,
.site-header,
.header-inner,
.site-nav {
  min-width: 0;
}

.consultation-panel {
  overflow: hidden;
}

.consultation-copy,
.consultation-actions {
  min-width: 0;
}

.consultation-actions {
  width: 100%;
}

.consultation-actions .button,
.contact-form .button {
  max-width: 100%;
}

.form-field input,
.form-field textarea {
  max-width: 100%;
}

.hero-contact-list li,
.contact-details p,
.footer-copy,
.footer-disclaimer,
.authority-copy,
.advisor-copy,
.positioning-copy p,
.audience-card p,
.disclosures-copy,
.disclosure-note-card p {
  overflow-wrap: anywhere;
  word-break: break-word;
}

@media (max-width: 760px) {
  .consultation-panel {
    display: flex;
    flex-direction: column;
    align-items: stretch;
    gap: 1.25rem;
    padding: 1.4rem;
  }

  .consultation-copy,
  .consultation-actions,
  .contact-form {
    width: 100%;
  }

  .consultation-actions {
    display: flex;
    flex-direction: column;
    align-items: stretch;
  }

  .consultation-actions .button,
  .contact-form .button,
  .button,
  .button-primary,
  .button-secondary,
  .button-gold,
  .button-outline-light,
  .button-outline,
  .button-secondary-disclosure {
    width: 100%;
    min-width: 0;
  }

  .hero-actions {
    display: flex;
    flex-direction: column;
    align-items: stretch;
  }

  .hero-actions .button {
    width: 100%;
    min-width: 0;
  }

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

  .form-field {
    width: 100%;
  }

  .form-field input,
  .form-field textarea {
    width: 100%;
    min-width: 0;
  }

  .contact-details {
    width: 100%;
  }
}

@media (max-width: 560px) {
  .consultation-panel,
  .hero-copy,
  .hero-panel,
  .bio-hero-panel,
  .bio-copy,
  .bio-image-wrap,
  .service-card,
  .audience-card,
  .process-card,
  .disclosures-panel {
    padding: 1.2rem;
    border-radius: 22px;
  }

  .consultation-copy h2,
  .hero h1,
  .section-heading h2 {
    overflow-wrap: anywhere;
    word-break: break-word;
  }

  .brand-logo {
    width: 44px;
    height: 44px;
  }

  .header-inner {
    gap: 0.75rem;
  }

  .menu-toggle {
    flex-shrink: 0;
  }

  .site-header {
    overflow: visible;
  }
}

.planning-section {
  background: linear-gradient(180deg, rgba(11, 29, 47, 0.98) 0%, rgba(18, 40, 62, 0.95) 100%);
}

.planning-section .section-heading h2,
.planning-section .eyebrow {
  color: var(--white);
}

.planning-section .eyebrow {
  color: var(--gold-400);
}

.planning-intro {
  max-width: 780px;
  margin: 1rem auto 0;
  color: rgba(255, 255, 255, 0.78);
  text-align: center;
}

.planning-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1.25rem;
  margin-top: 2rem;
}

.planning-card {
  padding: 2rem;
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-radius: var(--radius-xl);
  background: linear-gradient(180deg, rgba(255, 255, 255, 0.98) 0%, rgba(244, 238, 225, 0.98) 100%);
  box-shadow: var(--shadow-md);
  text-align: left;
}

.planning-card h3 {
  margin: 0;
  color: var(--navy-900);
  font-family: Georgia, "Times New Roman", serif;
  font-size: 1.5rem;
}

.planning-card p {
  margin: 0.9rem 0 0;
  color: var(--muted);
}

.advisor-section {
  padding-top: 3rem;
}

.advisor-container {
  max-width: 1100px;
}

.advisor-grid {
  display: grid;
  grid-template-columns: 420px 1fr;
  gap: 3rem;
  align-items: center;
}

.advisor-image-wrap {
  border-radius: 20px;
  overflow: hidden;
  box-shadow: var(--shadow-md);
}

.advisor-image {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.advisor-content h2 {
  font-family: Georgia, "Times New Roman", serif;
  font-size: 2.4rem;
  color: var(--navy-900);
  margin-bottom: 0.75rem;
}

.advisor-copy {
  color: var(--muted);
  margin-top: 0.75rem;
  max-width: 520px;
}

.brokercheck-inline {
  margin-top: 1.5rem;
}

.brokercheck-inline p {
  margin-bottom: 0.5rem;
  color: var(--muted);
}

.button-outline {
  display: inline-block;
  padding: 0.6rem 1.1rem;
  border: 1px solid var(--gold-400);
  color: var(--navy-900);
  border-radius: 999px;
  text-decoration: none;
  font-weight: 500;
}

.button-outline:hover {
  background: var(--gold-400);
  color: var(--navy-900);
}

.services-section {
  padding-top: 4.5rem;
  padding-bottom: 4.5rem;
  background: linear-gradient(180deg, rgba(255, 255, 255, 0.76) 0%, rgba(244, 238, 225, 0.86) 100%);
}

.services-intro {
  max-width: 760px;
  margin: 1rem auto 0;
  color: var(--muted);
  text-align: center;
}

.services-accordion {
  display: grid;
  gap: 1rem;
  margin-top: 2rem;
}

.service-accordion-item {
  border: 1px solid rgba(18, 40, 62, 0.1);
  border-radius: var(--radius-xl);
  background: rgba(255, 255, 255, 0.92);
  box-shadow: var(--shadow-md);
  overflow: hidden;
}

.service-accordion-item h3 {
  margin: 0;
}

.service-accordion-trigger {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  width: 100%;
  padding: 1.35rem 1.5rem;
  border: 0;
  background: transparent;
  color: var(--navy-900);
  cursor: pointer;
  text-align: left;
}

.service-accordion-title {
  font-family: Georgia, "Times New Roman", serif;
  font-size: 1.45rem;
  line-height: 1.15;
}

.service-accordion-icon {
  position: relative;
  flex: 0 0 20px;
  width: 20px;
  height: 20px;
}

.service-accordion-icon::before,
.service-accordion-icon::after {
  content: "";
  position: absolute;
  top: 50%;
  left: 50%;
  width: 16px;
  height: 2px;
  background: var(--gold-500);
  transform: translate(-50%, -50%);
  transition: transform 0.2s ease, opacity 0.2s ease;
}

.service-accordion-icon::after {
  transform: translate(-50%, -50%) rotate(90deg);
}

.service-accordion-trigger[aria-expanded="true"] .service-accordion-icon::after {
  opacity: 0;
}

.service-accordion-panel {
  border-top: 1px solid rgba(18, 40, 62, 0.08);
}

.service-accordion-content {
  display: grid;
  gap: 1rem;
  padding: 0 1.5rem 1.5rem;
}

.service-accordion-content p,
.service-accordion-content li {
  color: var(--muted);
}

.service-subsection-grid,
.service-mini-sections,
.product-groups {
  display: grid;
  gap: 1rem;
}

.service-subsection-grid {
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

.service-mini-sections {
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

.product-groups {
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

.service-subsection,
.product-group,
.service-mini-sections > div {
  padding: 1rem 1.1rem;
  border: 1px solid rgba(18, 40, 62, 0.08);
  border-radius: var(--radius-lg);
  background: rgba(251, 248, 241, 0.84);
}

.service-subsection h4,
.product-group h4,
.service-mini-sections h5 {
  margin: 0 0 0.65rem;
  color: var(--navy-900);
  font-family: Georgia, "Times New Roman", serif;
}

.service-mini-sections h5 {
  font-size: 1rem;
}

.service-bullets {
  margin: 0;
  padding-left: 1.2rem;
}

.service-bullets li + li {
  margin-top: 0.45rem;
}

@media (max-width: 900px) {
  .service-subsection-grid,
  .service-mini-sections,
  .product-groups {
    grid-template-columns: 1fr;
  }

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

  .consultation-panel,
  .consultation-container {
    display: flex;
    flex-direction: column;
    align-items: center;
    text-align: center;
    gap: 1.5rem;
    padding: 1.5rem;
  }

  .consultation-actions {
    order: 2;
    width: 100%;
    display: flex;
    flex-direction: column;
    gap: 0.75rem;
    position: static !important;
    max-width: 100%;
  }

  .consultation-actions .button {
    width: 100%;
  }

  .consultation-left,
  .consultation-right,
  .consultation-copy {
    width: 100%;
    max-width: 100%;
    text-align: center;
  }

  .consultation-right {
    order: -1;
    margin-top: 0;
  }

  .consultation-logo {
    max-width: 160px;
  }

  .contact-details {
    text-align: center;
  }

  .advisor-grid {
    grid-template-columns: 1fr;
    gap: 1.5rem;
  }

  .advisor-content {
    text-align: center;
  }

  .advisor-copy {
    max-width: 100%;
  }

  .brokercheck-inline {
    display: flex;
    flex-direction: column;
    align-items: center;
  }
}

@media (max-width: 768px) {
  .service-accordion-trigger {
    padding: 1.15rem 1rem;
  }

  .service-accordion-title {
    font-size: 1.2rem;
  }

  .service-accordion-content {
    padding: 0 1rem 1rem;
  }

  .consultation-left input,
  .consultation-left textarea,
  .consultation-left .button,
  .consultation-actions .button {
    width: 100%;
    max-width: 100%;
    box-sizing: border-box;
  }
}

.chatbot-shell {
  position: fixed;
  right: 1rem;
  bottom: 1rem;
  z-index: 220;
}

.chatbot-launcher {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 60px;
  height: 60px;
  padding: 0;
  border: 1px solid rgba(18, 40, 62, 0.12);
  border-radius: 20px;
  background: linear-gradient(135deg, rgba(7, 21, 35, 0.98) 0%, rgba(18, 40, 62, 0.95) 100%);
  color: var(--white);
  box-shadow: var(--shadow-lg);
  cursor: pointer;
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}

.chatbot-launcher:hover,
.chatbot-launcher:focus-visible {
  transform: translateY(-1px);
}

.chatbot-launcher-label {
  font-size: 0.9rem;
  font-weight: 700;
  letter-spacing: 0.01em;
}

.chatbot-panel {
  position: absolute;
  right: 0;
  bottom: calc(100% + 0.75rem);
  display: flex;
  flex-direction: column;
  width: min(380px, calc(100vw - 2rem));
  height: min(700px, calc(100dvh - 1.5rem));
  max-height: min(700px, calc(100dvh - 1.5rem));
  border: 1px solid rgba(18, 40, 62, 0.12);
  border-radius: 28px;
  background: rgba(251, 248, 241, 0.98);
  box-shadow: var(--shadow-lg);
  opacity: 0;
  visibility: hidden;
  transform: translateY(12px);
  pointer-events: none;
  transition: opacity 0.2s ease, transform 0.2s ease, visibility 0.2s ease;
  overflow: hidden;
}

.chatbot-shell.is-open .chatbot-panel {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
  pointer-events: auto;
}

.chatbot-header {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 1rem;
  padding: 1.15rem 1.15rem 1rem;
  border-bottom: 1px solid rgba(18, 40, 62, 0.08);
  background: linear-gradient(135deg, rgba(7, 21, 35, 0.98) 0%, rgba(18, 40, 62, 0.95) 100%);
  color: var(--white);
}

.chatbot-header h2 {
  margin: 0.2rem 0 0;
  font-family: Georgia, "Times New Roman", serif;
  font-size: 1.35rem;
  line-height: 1.1;
}

.chatbot-eyebrow {
  margin: 0;
  color: var(--gold-400);
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
}

.chatbot-close {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  width: 40px;
  height: 40px;
  border: 1px solid rgba(255, 255, 255, 0.18);
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.06);
  color: var(--white);
  font-size: 1.6rem;
  line-height: 1;
  cursor: pointer;
  transition: background-color 0.2s ease, border-color 0.2s ease;
}

.chatbot-close:hover,
.chatbot-close:focus-visible {
  border-color: rgba(255, 255, 255, 0.32);
  background: rgba(255, 255, 255, 0.12);
}

.chatbot-body {
  display: grid;
  grid-template-rows: minmax(0, 1fr) auto;
  gap: 0.75rem;
  flex: 1 1 auto;
  min-height: 0;
  overflow: hidden;
  padding: 0.8rem 0.9rem calc(1.05rem + env(safe-area-inset-bottom, 0px));
}

.chatbot-conversation {
  display: flex;
  min-height: 0;
  overflow: hidden;
  padding: 0.2rem;
  border: 1px solid rgba(18, 40, 62, 0.06);
  border-radius: 22px;
  background: rgba(255, 255, 255, 0.58);
}

.chatbot-messages {
  display: flex;
  flex-direction: column;
  flex: 1 1 auto;
  gap: 0.7rem;
  min-height: 0;
  height: 100%;
  overflow-y: auto;
  overflow-x: hidden;
  padding: 0.8rem 0.6rem 0.8rem 0.8rem;
  scroll-padding-top: 0.5rem;
}

.chatbot-message {
  position: relative;
  max-width: 94%;
  padding: 0.95rem 1rem;
  border-radius: 18px;
  line-height: 1.55;
  overflow-wrap: anywhere;
}

.chatbot-message p {
  margin: 0;
}

.chatbot-message-bot {
  align-self: flex-start;
  background: rgba(11, 29, 47, 0.06);
  color: var(--text);
}

.chatbot-message-user {
  align-self: flex-end;
  background: linear-gradient(180deg, #d6ba81 0%, var(--gold-500) 100%);
  color: var(--navy-950);
}

.chatbot-message-meta {
  margin-top: 0.45rem !important;
  color: var(--muted);
  font-size: 0.8rem;
  overflow-wrap: anywhere;
}

.chatbot-message-meta a {
  text-decoration: underline;
}

.chatbot-controls {
  display: flex;
  flex-direction: column;
  gap: 0.55rem;
  flex: 0 0 auto;
  min-height: 0;
  padding: 0.65rem 0.7rem 0.7rem;
  border: 1px solid rgba(18, 40, 62, 0.06);
  border-radius: 22px;
  background: rgba(244, 238, 225, 0.72);
}

.chatbot-form {
  display: grid;
  gap: 0.6rem;
  flex: 0 0 auto;
}

.chatbot-input {
  width: 100%;
  min-height: 74px;
  max-height: 120px;
  padding: 0.8rem 0.95rem;
  border: 1px solid rgba(18, 40, 62, 0.12);
  border-radius: 18px;
  background: rgba(255, 255, 255, 0.9);
  color: var(--text);
  font: inherit;
  resize: none;
}

.chatbot-input::placeholder {
  color: rgba(88, 101, 117, 0.82);
}

.chatbot-input:focus {
  outline: none;
  border-color: rgba(198, 161, 91, 0.75);
}

.chatbot-submit {
  width: 100%;
  min-width: 0;
  min-height: 52px;
  margin-bottom: 0.1rem;
}

.chatbot-disclaimer {
  margin: 0;
  color: var(--muted);
  font-size: 0.78rem;
  line-height: 1.45;
  flex: 0 0 auto;
}

@media (max-width: 900px) {
  .chatbot-shell {
    right: 1rem;
    bottom: 1rem;
  }

  .chatbot-panel {
    width: min(360px, calc(100vw - 2rem));
    height: min(640px, calc(100dvh - 1rem));
    max-height: min(640px, calc(100dvh - 1rem));
  }

  .chatbot-messages {
    min-height: 0;
  }
}

@media (max-width: 560px) {
  .chatbot-shell {
    right: 0.75rem;
    bottom: 1rem;
  }

  .chatbot-launcher {
    width: 56px;
    height: 56px;
    border-radius: 18px;
  }

  .chatbot-panel {
    right: 0;
    width: min(340px, calc(100vw - 1.5rem));
    height: min(580px, calc(100dvh - 0.75rem));
    max-height: min(580px, calc(100dvh - 0.75rem));
    border-radius: 24px;
  }

  .chatbot-header,
  .chatbot-body {
    padding-left: 0.85rem;
    padding-right: 0.85rem;
  }

  .chatbot-controls {
    padding: 0.6rem;
  }

  .chatbot-messages {
    min-height: 0;
  }

  .chatbot-input {
    min-height: 68px;
  }
}