:root {
  --ink: #15243a;
  --ink-soft: #4f5f72;
  --navy: #102a43;
  --navy-deep: #0a1c2f;
  --blue: #1e5b8f;
  --blue-soft: #eaf2f8;
  --gold: #b79253;
  --sand: #f5f1e9;
  --paper: #ffffff;
  --line: #dce4eb;
  --success: #315f50;
  --shadow: 0 18px 55px rgba(15, 42, 67, .12);
  --shadow-sm: 0 10px 30px rgba(15, 42, 67, .08);
  --radius: 18px;
  --radius-sm: 12px;
  --max: 1180px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--ink);
  background: var(--paper);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
a { color: inherit; }
img { display: block; max-width: 100%; }
button, input, select, textarea { font: inherit; }
.container { width: min(calc(100% - 40px), var(--max)); margin-inline: auto; }
.skip-link { position: absolute; left: -9999px; top: 8px; z-index: 9999; background: white; padding: 10px 14px; }
.skip-link:focus { left: 8px; }

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  color: var(--blue);
  font-size: .78rem;
  font-weight: 800;
  letter-spacing: .12em;
  text-transform: uppercase;
}
.eyebrow::before { content: ""; width: 28px; height: 2px; background: var(--gold); }

h1, h2, h3 { margin: 0 0 16px; line-height: 1.12; letter-spacing: -.025em; color: var(--navy-deep); }
h1 { font-family: Georgia, "Times New Roman", serif; font-size: clamp(2.6rem, 6vw, 5.15rem); font-weight: 500; }
h2 { font-family: Georgia, "Times New Roman", serif; font-size: clamp(2.05rem, 4vw, 3.35rem); font-weight: 500; }
h3 { font-size: 1.25rem; }
p { margin: 0 0 18px; }
.lead { font-size: clamp(1.08rem, 1.8vw, 1.3rem); color: var(--ink-soft); max-width: 720px; }
.small { font-size: .9rem; color: var(--ink-soft); }

.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255,255,255,.96);
  border-bottom: 1px solid rgba(220,228,235,.9);
  backdrop-filter: blur(14px);
}
.header-inner { min-height: 80px; display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.brand { text-decoration: none; display: inline-flex; align-items: center; gap: 13px; min-width: 245px; }
.brand-mark { width: 42px; height: 42px; border: 1px solid var(--gold); display: grid; place-items: center; color: var(--navy); font-family: Georgia, serif; font-weight: 700; letter-spacing: .02em; }
.brand-copy { display: grid; line-height: 1.1; }
.brand-copy strong { font-family: Georgia, serif; font-size: 1.06rem; font-weight: 600; color: var(--navy-deep); }
.brand-copy span { margin-top: 5px; font-size: .7rem; text-transform: uppercase; letter-spacing: .1em; color: var(--ink-soft); }
.nav { display: flex; align-items: center; gap: 4px; }
.nav a { text-decoration: none; font-size: .92rem; font-weight: 650; color: #32465a; padding: 11px 12px; border-radius: 8px; }
.nav a:hover, .nav a[aria-current="page"] { background: var(--blue-soft); color: var(--navy); }
.nav .nav-cta { color: white; background: var(--navy); margin-left: 6px; padding-inline: 17px; }
.nav .nav-cta:hover { background: var(--blue); color: white; }
.menu-toggle { display: none; border: 0; background: transparent; padding: 9px; color: var(--navy); cursor: pointer; }
.menu-toggle span { display: block; width: 24px; height: 2px; background: currentColor; margin: 5px; }

.hero { position: relative; overflow: hidden; background: linear-gradient(140deg, #f8fbfd 0%, #fff 56%, #f5f1e9 100%); }
.hero::after { content: ""; position: absolute; width: 520px; height: 520px; border: 1px solid rgba(183,146,83,.28); border-radius: 50%; right: -220px; top: -230px; }
.hero-grid { min-height: 690px; display: grid; grid-template-columns: 1.13fr .87fr; gap: 68px; align-items: center; padding-block: 88px; }
.hero-copy { position: relative; z-index: 2; }
.hero-copy h1 { max-width: 820px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 30px; }
.button { display: inline-flex; align-items: center; justify-content: center; gap: 9px; min-height: 50px; padding: 12px 20px; border-radius: 8px; border: 1px solid transparent; text-decoration: none; font-weight: 750; transition: transform .18s ease, box-shadow .18s ease, background .18s ease; }
.button:hover { transform: translateY(-1px); box-shadow: var(--shadow-sm); }
.button-primary { background: var(--navy); color: white; }
.button-primary:hover { background: var(--blue); }
.button-secondary { background: white; border-color: var(--line); color: var(--navy); }
.hero-note { margin-top: 25px; color: var(--ink-soft); font-size: .93rem; }
.hero-card { position: relative; z-index: 2; background: var(--navy-deep); color: white; border-radius: 2px 2px var(--radius) var(--radius); padding: 18px; box-shadow: var(--shadow); }
.hero-photo { aspect-ratio: 4 / 4.75; overflow: hidden; background: #ddd; }
.hero-photo img { width: 100%; height: 100%; object-fit: cover; object-position: 50% 18%; }
.hero-card-copy { padding: 23px 18px 17px; min-height: 96px; }
.hero-card-copy strong { display: block; font-family: Georgia, serif; font-size: 1.45rem; font-weight: 500; }
.hero-card-copy span { color: #c5d3df; font-size: .9rem; }
.hero-badge { position: absolute; left: -38px; bottom: 185px; background: white; color: var(--navy); box-shadow: var(--shadow-sm); padding: 16px 18px; max-width: 190px; border-left: 3px solid var(--gold); font-weight: 750; line-height: 1.3; }
.hero-badge small { display: block; margin-top: 5px; font-weight: 500; color: var(--ink-soft); }

.trust-strip { border-block: 1px solid var(--line); background: white; }
.trust-grid { min-height: 98px; display: grid; grid-template-columns: repeat(3, 1fr); align-items: center; }
.trust-item { padding: 22px 32px; border-right: 1px solid var(--line); }
.trust-item:first-child { padding-left: 0; }
.trust-item:last-child { border-right: 0; }
.trust-item strong { display: block; color: var(--navy); font-size: .95rem; }
.trust-item span { color: var(--ink-soft); font-size: .86rem; }

.section { padding-block: 105px; }
.section-soft { background: #f7f9fb; }
.section-sand { background: var(--sand); }
.section-dark { background: var(--navy-deep); color: white; }
.section-dark h2, .section-dark h3 { color: white; }
.section-dark .lead, .section-dark p { color: #c6d2dd; }
.section-head { display: grid; grid-template-columns: .72fr 1.28fr; gap: 60px; align-items: end; margin-bottom: 50px; }
.section-head .lead { margin-bottom: 0; }

.service-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.service-card { position: relative; display: flex; flex-direction: column; min-height: 390px; padding: 34px; border: 1px solid var(--line); background: white; text-decoration: none; box-shadow: 0 4px 0 transparent; transition: transform .2s ease, box-shadow .2s ease, border-color .2s ease; }
.service-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-sm); border-color: #b9c8d5; }
.service-number { font-family: Georgia, serif; color: var(--gold); font-size: 1.1rem; margin-bottom: 50px; }
.service-card h3 { font-family: Georgia, serif; font-size: 1.75rem; font-weight: 500; }
.service-card p { color: var(--ink-soft); }
.service-card .link-arrow { margin-top: auto; color: var(--blue); font-weight: 750; }

.split { display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center; }
.split-image { position: relative; }
.split-image::before { content: ""; position: absolute; inset: -18px 28px 28px -18px; border: 1px solid rgba(183,146,83,.6); z-index: 0; }
.split-image img { position: relative; z-index: 1; width: 100%; aspect-ratio: 4/4.5; object-fit: cover; object-position: 50% 18%; }
.check-list { display: grid; gap: 15px; margin: 28px 0 0; padding: 0; list-style: none; }
.check-list li { display: grid; grid-template-columns: 25px 1fr; gap: 12px; color: var(--ink-soft); }
.check-list li::before { content: "✓"; width: 23px; height: 23px; display: grid; place-items: center; border-radius: 50%; background: var(--blue-soft); color: var(--blue); font-weight: 900; font-size: .78rem; margin-top: 2px; }

.process-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 44px; margin-top: 48px; }
.process-step { border-top: 1px solid #496176; padding-top: 24px; }
.process-step .step { color: #cfb279; font-weight: 850; font-size: .82rem; letter-spacing: .12em; }
.process-step h3 { margin-top: 10px; }

.cta-band { padding-block: 75px; background: var(--navy); color: white; }
.cta-grid { display: flex; justify-content: space-between; align-items: center; gap: 40px; }
.cta-grid h2 { color: white; max-width: 690px; font-size: clamp(2rem, 4vw, 3rem); }
.cta-grid p { color: #c6d2dd; margin-bottom: 0; }
.cta-band .button { flex: 0 0 auto; background: white; color: var(--navy); }

.page-hero { background: linear-gradient(140deg, #f7fafc, #fff 62%, var(--sand)); padding-block: 95px 80px; border-bottom: 1px solid var(--line); }
.page-hero-grid { display: grid; grid-template-columns: 1.25fr .75fr; gap: 70px; align-items: center; }
.page-hero h1 { font-size: clamp(2.65rem, 5.5vw, 4.7rem); }
.page-hero-aside { border-left: 2px solid var(--gold); padding: 10px 0 10px 28px; color: var(--ink-soft); }
.page-hero-aside strong { display: block; color: var(--navy); margin-bottom: 8px; }

.content-grid { display: grid; grid-template-columns: 320px 1fr; gap: 80px; align-items: start; }
.side-nav { position: sticky; top: 112px; border: 1px solid var(--line); padding: 16px; background: white; }
.side-nav strong { display: block; padding: 10px 12px; color: var(--navy); font-size: .78rem; letter-spacing: .1em; text-transform: uppercase; }
.side-nav a { display: block; text-decoration: none; padding: 11px 12px; border-top: 1px solid var(--line); color: var(--ink-soft); font-size: .92rem; }
.side-nav a:hover { color: var(--blue); background: var(--blue-soft); }
.prose-section { scroll-margin-top: 110px; padding-bottom: 64px; margin-bottom: 64px; border-bottom: 1px solid var(--line); }
.prose-section:last-child { border-bottom: 0; margin-bottom: 0; }
.prose-section h2 { font-size: clamp(1.9rem, 3.3vw, 2.7rem); }
.prose-section h3 { margin-top: 28px; }
.card-grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 18px; margin-top: 30px; }
.info-card { padding: 26px; background: #f7f9fb; border-left: 3px solid var(--gold); }
.info-card h3 { font-size: 1.08rem; margin-bottom: 8px; }
.info-card p { color: var(--ink-soft); margin-bottom: 0; font-size: .94rem; }
.question-list { margin: 28px 0 0; padding: 0; list-style: none; border-top: 1px solid var(--line); }
.question-list li { padding: 17px 0; border-bottom: 1px solid var(--line); color: var(--navy); font-weight: 700; }

.about-grid { display: grid; grid-template-columns: .82fr 1.18fr; gap: 80px; align-items: start; }
.about-photo { position: sticky; top: 112px; background: var(--navy-deep); padding: 16px; }
.about-photo img { width: 100%; aspect-ratio: 4/5; object-fit: cover; object-position: 50% 18%; }
.about-caption { color: white; padding: 18px 10px 7px; }
.about-caption strong { display: block; font-family: Georgia, serif; font-size: 1.3rem; font-weight: 500; }
.about-caption span { color: #c7d4de; font-size: .88rem; }
.bio-facts { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1px; background: var(--line); border: 1px solid var(--line); margin-top: 35px; }
.bio-fact { background: white; padding: 24px; }
.bio-fact strong { display: block; color: var(--navy); }
.bio-fact span { font-size: .9rem; color: var(--ink-soft); }

.contact-section { background: #f7f9fb; }
.contact-grid { display: grid; grid-template-columns: .8fr 1.2fr; gap: 70px; align-items: start; }
.contact-details { margin-top: 35px; }
.contact-details a { display: block; text-decoration: none; color: var(--navy); font-weight: 750; margin: 12px 0; }
.form-card { background: white; border: 1px solid var(--line); padding: 38px; box-shadow: var(--shadow-sm); }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
label { display: block; color: var(--navy); font-size: .86rem; font-weight: 750; margin-bottom: 7px; }
input, select, textarea { width: 100%; border: 1px solid #cbd6df; border-radius: 6px; padding: 13px 14px; color: var(--ink); background: white; outline: none; }
input:focus, select:focus, textarea:focus { border-color: var(--blue); box-shadow: 0 0 0 3px rgba(30,91,143,.12); }
.field { margin-bottom: 18px; }
textarea { min-height: 135px; resize: vertical; }
.honeypot { display: none; }

.legal { max-width: 860px; }
.legal h2 { font-size: 1.6rem; margin-top: 42px; }
.legal p, .legal li { color: var(--ink-soft); }

.site-footer { background: #091a2a; color: #d6e0e8; padding-block: 58px 25px; }
.footer-grid { display: grid; grid-template-columns: 1.3fr .7fr .7fr; gap: 55px; padding-bottom: 45px; }
.footer-brand strong { display: block; font-family: Georgia, serif; color: white; font-size: 1.35rem; font-weight: 500; }
.footer-brand span { color: #aebdca; font-size: .88rem; }
.footer-copy { max-width: 460px; margin-top: 17px; color: #aebdca; font-size: .88rem; }
.footer-col strong { color: white; display: block; margin-bottom: 12px; }
.footer-col a { display: block; color: #b7c6d2; text-decoration: none; margin: 8px 0; font-size: .9rem; }
.footer-col a:hover { color: white; }
.footer-bottom { border-top: 1px solid #2b3d4d; padding-top: 24px; display: flex; justify-content: space-between; gap: 30px; font-size: .78rem; color: #94a6b5; }
.disclaimer { max-width: 900px; }

@media (max-width: 980px) {
  .menu-toggle { display: block; }
  .nav { position: absolute; left: 0; right: 0; top: 80px; display: none; background: white; border-bottom: 1px solid var(--line); padding: 12px 20px 20px; flex-direction: column; align-items: stretch; box-shadow: var(--shadow-sm); }
  .nav.open { display: flex; }
  .nav .nav-cta { margin-left: 0; text-align: center; }
  .hero-grid, .page-hero-grid, .split, .about-grid, .contact-grid { grid-template-columns: 1fr; }
  .hero-grid { padding-block: 70px; gap: 45px; }
  .hero-card { max-width: 540px; }
  .hero-badge { left: -15px; }
  .section-head { grid-template-columns: 1fr; gap: 20px; }
  .service-grid { grid-template-columns: 1fr; }
  .service-card { min-height: 280px; }
  .service-number { margin-bottom: 26px; }
  .content-grid { grid-template-columns: 1fr; gap: 45px; }
  .side-nav, .about-photo { position: static; }
  .side-nav { display: flex; flex-wrap: wrap; gap: 4px; }
  .side-nav strong { width: 100%; }
  .side-nav a { border: 0; padding: 8px 10px; background: #f7f9fb; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .footer-brand { grid-column: 1 / -1; }
}

@media (max-width: 680px) {
  .container { width: min(calc(100% - 28px), var(--max)); }
  .header-inner { min-height: 72px; }
  .nav { top: 72px; }
  .brand-copy span { display: none; }
  .hero-grid { min-height: auto; padding-block: 58px; }
  .hero-badge { position: static; max-width: none; margin-top: 16px; }
  .trust-grid, .process-grid, .card-grid-2, .bio-facts, .form-row { grid-template-columns: 1fr; }
  .trust-item { border-right: 0; border-bottom: 1px solid var(--line); padding: 18px 0; }
  .trust-item:last-child { border-bottom: 0; }
  .section { padding-block: 75px; }
  .section-head { margin-bottom: 34px; }
  .split { gap: 50px; }
  .cta-grid { align-items: flex-start; flex-direction: column; }
  .page-hero { padding-block: 68px 56px; }
  .page-hero-grid { gap: 35px; }
  .form-card { padding: 25px 20px; }
  .footer-grid { grid-template-columns: 1fr; gap: 30px; }
  .footer-brand { grid-column: auto; }
  .footer-bottom { flex-direction: column; }
}


/* Professional credential and retirement framework additions */
.credential-line {
  display: inline-flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 9px;
  margin: 12px 0 0;
  color: var(--navy);
  font-size: .92rem;
  font-weight: 760;
}
.credential-line span { color: var(--gold); }
.hero-card-copy small {
  display: block;
  margin-top: 7px;
  color: #9fb2c1;
  font-size: .78rem;
  line-height: 1.45;
}
.pillar-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 18px;
}
.pillar-card {
  display: flex;
  flex-direction: column;
  min-height: 330px;
  padding: 30px;
  background: white;
  border: 1px solid rgba(16,42,67,.12);
  text-decoration: none;
  box-shadow: 0 4px 0 transparent;
  transition: transform .2s ease, box-shadow .2s ease, border-color .2s ease;
}
.pillar-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-sm);
  border-color: #b9c8d5;
}
.pillar-card > span {
  color: var(--gold);
  font-family: Georgia, serif;
  font-weight: 700;
  margin-bottom: 35px;
}
.pillar-card h3 {
  font-family: Georgia, "Times New Roman", serif;
  font-size: 1.55rem;
  font-weight: 500;
}
.pillar-card p { color: var(--ink-soft); }
.pillar-card strong {
  margin-top: auto;
  color: var(--blue);
  font-size: .9rem;
}
.retirement-overview {
  padding-block: 34px;
  background: var(--navy-deep);
  border-bottom: 1px solid #263f53;
}
.pillar-grid.compact { gap: 1px; background: #294054; }
.pillar-grid.compact .pillar-card {
  min-height: 235px;
  border: 0;
  box-shadow: none;
  background: var(--navy);
}
.pillar-grid.compact .pillar-card:hover { transform: none; background: #143655; }
.pillar-grid.compact .pillar-card h3 { color: white; font-size: 1.3rem; }
.pillar-grid.compact .pillar-card p { color: #c5d3df; font-size: .9rem; margin-bottom: 0; }
.pillar-grid.compact .pillar-card > span { margin-bottom: 24px; color: #cfb279; }
.footer-credentials {
  display: block;
  margin-top: 8px;
  color: #d9c79e !important;
  font-size: .78rem !important;
  line-height: 1.45;
}

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

@media (max-width: 680px) {
  .pillar-grid { grid-template-columns: 1fr; }
  .pillar-card { min-height: 250px; }
  .credential-line { align-items: flex-start; }
}