/* Estate & Risk. Full-width bands (navy / cream / paper) around one centered measure; live text everywhere. */
:root{
  color-scheme:light;
  --navy:#061a2e; --navy-2:#0c2a47; --navy-line:#24405c; --navy-deep:#04121f;
  --gold:#d9b24a; --gold-deep:#8a6a14; --gold-soft:#efd58c;
  --cream:#f6f1e7; --paper:#fffdf9; --rule:#dccfb4;
  --ink:#0b1b2b; --muted:#55627a; --on-navy:#eef2f6; --on-navy-muted:#b3c0cf;
  --alert:#8c1d18;
  --display:"Libre Caslon Display","Libre Caslon Text",Georgia,"Times New Roman",serif;
  --serif:"Libre Caslon Text",Georgia,"Times New Roman",serif;
  --sans:"Public Sans","Segoe UI",system-ui,-apple-system,Arial,sans-serif;
  --gutter:clamp(18px,5vw,56px);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:96px}
body{margin:0;background:var(--paper);color:var(--ink);font-family:var(--sans);font-size:17px;line-height:1.6;-webkit-font-smoothing:antialiased}
a{color:inherit}
img{display:block;max-width:100%;height:auto}
h1,h2,h3,h4,p,ul,ol,figure{margin:0}
ul,ol{padding:0;list-style:none}
h1,h2,h3{text-wrap:balance}
:focus-visible{outline:3px solid var(--gold);outline-offset:3px}
.skip{position:absolute;left:-9999px}
.skip:focus{left:12px;top:12px;z-index:50;background:var(--gold);color:var(--navy);padding:10px 14px}
.wrap{max-width:1180px;margin-inline:auto;padding-inline:var(--gutter)}
.band{padding-block:clamp(52px,8vw,92px)}
.band.tight{padding-block:clamp(36px,5vw,56px)}
.navy{background:var(--navy);color:var(--on-navy)}
.cream{background:var(--cream)}
.eyebrow{font-size:.74rem;font-weight:700;letter-spacing:.2em;text-transform:uppercase;color:var(--gold-deep)}
.navy .eyebrow,.phero .eyebrow,.hero .eyebrow{color:var(--gold)}
.h2{font-family:var(--display);font-weight:400;font-size:clamp(1.9rem,4.2vw,2.85rem);line-height:1.1}
.h3{font-family:var(--display);font-weight:400;font-size:1.55rem;line-height:1.15}
.lede{font-size:1.08rem;color:var(--muted);max-width:64ch}
.navy .lede{color:var(--on-navy-muted)}
.stack{display:grid;gap:16px;align-content:start;min-width:0}
.stack.lg{gap:26px}
.head{display:grid;gap:14px;margin-bottom:clamp(26px,4vw,42px)}
.prose{display:grid;gap:16px;max-width:68ch}
.prose a,.note a,.inline{color:var(--gold-deep);font-weight:600}
.navy .prose a,.navy .inline{color:var(--gold)}
.note{font-size:.9rem;color:var(--muted);max-width:80ch}
.navy .note{color:var(--on-navy-muted)}
.mt{margin-top:clamp(22px,3vw,34px)}

/* buttons and links */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:52px;padding:14px 18px;border:1px solid var(--gold);font-weight:700;font-size:.82rem;letter-spacing:.09em;text-transform:uppercase;text-decoration:none;color:var(--on-navy);text-align:center;transition:background .15s,color .15s;cursor:pointer;background:none;font-family:var(--sans)}
.btn:hover{background:var(--gold);color:var(--navy)}
.btn.solid{background:var(--gold);color:var(--navy)}
.btn.solid:hover{background:var(--gold-soft)}
.btn.dark{color:var(--ink);border-color:var(--ink)}
.btn.dark:hover{background:var(--ink);color:var(--paper)}
.btn small{font-size:.95rem;letter-spacing:.02em;font-weight:600;text-transform:none;white-space:nowrap}
.row{display:flex;flex-wrap:wrap;gap:12px}
.more{font-weight:700;font-size:.8rem;letter-spacing:.1em;text-transform:uppercase;text-decoration:none;color:var(--gold-deep);border-bottom:1px solid currentColor;padding-bottom:2px;align-self:start;justify-self:start}
.navy .more{color:var(--gold)}
@media (max-width:560px){.row.full .btn{flex:1 1 100%}}

.preview{background:var(--gold-soft);color:var(--ink);font-size:.84rem;padding-block:8px;text-align:center}

/* header */
.top{position:sticky;top:env(safe-area-inset-top,0px);z-index:20;background:var(--navy);border-bottom:1px solid var(--navy-line);color:var(--on-navy)}
.top .wrap{display:flex;align-items:center;gap:20px;min-height:76px;max-width:1340px}
.brand img{width:clamp(150px,16vw,196px)}
.menu-btn{margin-left:auto;display:none;background:none;border:1px solid var(--navy-line);color:var(--on-navy);font:600 .8rem var(--sans);letter-spacing:.12em;text-transform:uppercase;padding:12px 14px;min-height:46px;cursor:pointer}
.nav{margin-left:auto;display:flex;align-items:center;gap:clamp(10px,1.4vw,20px);font-size:.88rem}
.nav a,.dd > button{text-decoration:none;white-space:nowrap;color:var(--on-navy-muted);background:none;border:0;font:inherit;padding:0;cursor:pointer}
.nav a:hover,.nav a[aria-current],.dd > button:hover,.dd[data-current] > button{color:var(--gold)}
.nav a.btn{color:var(--on-navy);min-height:44px;padding:10px 13px;font-size:.72rem;font-weight:700}
.nav a.btn.solid{color:var(--navy)}
.nav a.btn:hover{color:var(--navy)}
.dd{position:relative}
.dd > button::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(-3px);margin-left:8px}
.dd-menu{display:none;position:absolute;top:calc(100% + 18px);left:-18px;min-width:290px;background:var(--navy-2);border:1px solid var(--navy-line);border-top:2px solid var(--gold);padding:8px 0}
.dd[data-open="true"] .dd-menu{display:grid}
.dd-menu a{padding:11px 18px;color:var(--on-navy);white-space:normal}
.dd-menu a small{display:block;color:var(--on-navy-muted);font-size:.8rem;line-height:1.35}
@media (max-width:1240px){
  .menu-btn{display:block}
  .nav{display:none;position:absolute;left:0;right:0;top:100%;max-height:calc(100vh - 80px);overflow-y:auto;background:var(--navy);border-bottom:1px solid var(--navy-line);flex-direction:column;align-items:stretch;gap:0;padding:6px var(--gutter) 20px;margin:0;font-size:1rem}
  .nav[data-open="true"]{display:flex}
  .nav > a,.dd > button{padding:13px 0;border-bottom:1px solid var(--navy-line);text-align:left;width:100%;color:var(--on-navy)}
  .dd > button::after{display:none}
  .dd-menu,.dd[data-open="true"] .dd-menu{display:grid;position:static;border:0;background:none;padding:0 0 6px 14px;min-width:0}
  .dd-menu a{padding:9px 0;color:var(--on-navy-muted)}
  .dd-menu a small{display:none}
  .nav a.btn{margin-top:12px;border:1px solid var(--gold);min-height:50px;width:100%}
}

/* home hero */
.hero{background:var(--navy);color:var(--on-navy);overflow:hidden}
.hero .wrap{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(0,.85fr);gap:clamp(28px,5vw,72px);align-items:end;padding-top:clamp(40px,6vw,76px)}
.hero-copy{display:grid;gap:22px;padding-bottom:clamp(40px,6vw,76px);min-width:0}
.hero h1{font-family:var(--display);font-weight:400;font-size:clamp(3.1rem,8.2vw,6rem);line-height:.96;letter-spacing:-.01em}
.hero h1 span{display:block}
.g{color:var(--gold)}
.hero .sub{font-family:var(--serif);font-size:clamp(1.2rem,2.2vw,1.5rem);line-height:1.35;max-width:26ch}
.hero .say{color:var(--on-navy-muted);max-width:50ch}
.founder{position:relative;align-self:end;min-width:0}
.founder img.photo{width:100%;aspect-ratio:4/5;object-fit:cover;object-position:50% 18%;border:1px solid var(--gold);border-bottom:0}
.founder figcaption{position:absolute;left:0;right:0;bottom:0;display:grid;gap:4px;padding:56px 20px 18px;background:linear-gradient(to top,rgba(6,26,46,.96) 30%,rgba(6,26,46,0))}
.founder .sig{width:min(275px,70%)}
.founder .who{font-size:.72rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--on-navy)}
@media (max-width:820px){
  .hero .wrap{grid-template-columns:1fr;gap:0}
  .hero-copy{padding-bottom:32px}
  .founder img.photo{aspect-ratio:1/1;object-position:50% 22%}
  .hero .row .btn{flex:1 1 100%}
}

/* inner page hero */
.phero{background:var(--navy);color:var(--on-navy);border-bottom:1px solid var(--gold)}
.phero .wrap{display:grid;gap:20px;padding-block:clamp(44px,7vw,84px)}
.phero h1{font-family:var(--display);font-weight:400;font-size:clamp(2.5rem,6.4vw,4.4rem);line-height:1.02;max-width:16ch}
.phero .lede{color:var(--on-navy);font-family:var(--serif);font-size:clamp(1.1rem,2vw,1.3rem);line-height:1.45;max-width:54ch}
.crumbs{font-size:.8rem;color:var(--on-navy-muted)}
.crumbs a{text-decoration:none}
.crumbs a:hover{color:var(--gold)}
.phero.photo .wrap{grid-template-columns:minmax(0,1.2fr) minmax(0,.8fr);align-items:end;padding-bottom:0;gap:clamp(24px,5vw,64px)}
.phero.photo .stack{padding-bottom:clamp(40px,6vw,72px)}
@media (max-width:820px){.phero.photo .wrap{grid-template-columns:1fr}.phero.photo .stack{padding-bottom:28px}}

/* jump links */
.jump{background:var(--navy-2);color:var(--on-navy)}
.jump ul{display:flex;flex-wrap:wrap;gap:6px 22px;padding-block:14px;font-size:.84rem}
.jump a{text-decoration:none;color:var(--on-navy-muted)}
.jump a:hover{color:var(--gold)}

/* credentials strip */
.creds{background:var(--navy-2);color:var(--on-navy);border-top:1px solid var(--gold)}
.creds ul{display:grid;grid-template-columns:repeat(4,minmax(0,1fr))}
.creds li{padding:20px 22px;border-left:1px solid var(--navy-line);display:grid;gap:2px;align-content:start}
.creds li:first-child{border-left:0;padding-left:0}
.creds b{font-family:var(--serif);font-weight:400;font-size:1.12rem;color:var(--gold-soft)}
.creds span{font-size:.88rem;color:var(--on-navy-muted);line-height:1.4}
@media (max-width:820px){
  .creds ul{grid-template-columns:repeat(2,minmax(0,1fr))}
  .creds li{padding:16px 14px;border-left:0;border-top:1px solid var(--navy-line)}
  .creds li:nth-child(-n+2){border-top:0}
  .creds li:nth-child(odd){padding-left:0}
}

/* ruled card grids */
.grid{display:grid;gap:0 clamp(22px,3vw,40px);border-top:2px solid var(--ink)}
.navy .grid{border-top-color:var(--gold)}
.grid.c2{grid-template-columns:repeat(2,minmax(0,1fr))}
.grid.c3{grid-template-columns:repeat(3,minmax(0,1fr))}
.grid.c4{grid-template-columns:repeat(4,minmax(0,1fr))}
.card{display:grid;gap:10px;align-content:start;padding:24px 0 26px;border-bottom:1px solid var(--rule);text-decoration:none;min-width:0}
.navy .card{border-bottom-color:var(--navy-line)}
.card h3{font-family:var(--display);font-weight:400;font-size:1.5rem;line-height:1.14}
.card p,.card li{color:var(--muted);font-size:.98rem}
.navy .card p,.navy .card li{color:var(--on-navy-muted)}
a.card:hover h3{color:var(--gold-deep)}
.navy a.card:hover h3{color:var(--gold-soft)}
@media (max-width:980px){.grid.c4,.grid.c3{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:600px){.grid.c4,.grid.c3,.grid.c2{grid-template-columns:1fr}}

/* lists */
.ticks{display:grid;gap:9px}
.ticks li{position:relative;padding-left:26px}
.ticks li::before{content:"";position:absolute;left:2px;top:.5em;width:11px;height:6px;border-left:2px solid var(--gold-deep);border-bottom:2px solid var(--gold-deep);transform:rotate(-45deg)}
.navy .ticks li::before{border-color:var(--gold)}
.chips{display:flex;flex-wrap:wrap;gap:8px 10px;font-size:.8rem;letter-spacing:.05em;text-transform:uppercase}
.chips li{border:1px solid var(--rule);padding:6px 10px;color:var(--muted)}
.navy .chips li{border-color:var(--navy-line);color:var(--on-navy-muted)}

/* two-column layouts */
.split{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(0,.85fr);gap:clamp(28px,6vw,76px);align-items:start}
.split.even{grid-template-columns:repeat(2,minmax(0,1fr))}
.split.lead{grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr)}
@media (max-width:860px){.split,.split.even,.split.lead{grid-template-columns:1fr}}
.motto{font-family:var(--serif);font-style:italic;font-size:1.45rem;line-height:1.3;color:var(--gold-deep);border-left:2px solid var(--gold);padding-left:18px}
.navy .motto{color:var(--gold-soft)}
.panel{display:grid;gap:14px;align-content:start;background:var(--paper);border:1px solid var(--rule);border-top:3px solid var(--gold);padding:clamp(20px,3vw,30px);min-width:0}
.cream .panel{background:var(--paper)}
.navy .panel{background:var(--navy-2);border-color:var(--navy-line);border-top-color:var(--gold)}
.cover{justify-self:center;display:grid;gap:12px;text-decoration:none;max-width:260px;text-align:center;font-size:.8rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--gold-deep)}
.navy .cover{color:var(--gold)}
.cover img{border:1px solid var(--rule);box-shadow:0 16px 36px rgba(4,18,31,.32)}
@media (max-width:860px){.cover{max-width:210px}}

/* plans and prices */
.plans{display:grid;gap:clamp(16px,2vw,24px);grid-template-columns:repeat(3,minmax(0,1fr))}
.plans.c4{grid-template-columns:repeat(4,minmax(0,1fr))}
.plans.c2{grid-template-columns:repeat(2,minmax(0,1fr))}
.plan{display:grid;gap:12px;align-content:start;background:var(--paper);border:1px solid var(--rule);padding:24px 22px 26px;min-width:0}
.plan.featured{border-top:3px solid var(--gold);padding-top:22px}
.plan h3{font-family:var(--display);font-weight:400;font-size:1.45rem;line-height:1.15}
.price{font-family:var(--serif);font-size:1.5rem;line-height:1.2;font-variant-numeric:tabular-nums}
.price small{display:block;font-family:var(--sans);font-size:.9rem;color:var(--muted)}
.plan .ticks{font-size:.95rem}
.plan p{font-size:.93rem;color:var(--muted)}
@media (max-width:1040px){.plans.c4{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:860px){.plans{grid-template-columns:1fr}}
@media (max-width:600px){.plans.c4,.plans.c2{grid-template-columns:1fr}}
.fees{width:100%;border-collapse:collapse;font-size:1rem}
.fees caption{text-align:left;color:var(--muted);font-size:.92rem;caption-side:bottom;padding-top:16px}
.fees th,.fees td{padding:15px 0;border-bottom:1px solid var(--rule);text-align:left;vertical-align:baseline}
.fees thead th{font-size:.72rem;letter-spacing:.16em;text-transform:uppercase;color:var(--gold-deep);border-bottom:2px solid var(--ink);padding-bottom:10px}
.fees tbody th{font-family:var(--serif);font-weight:400;font-size:1.12rem;padding-right:18px}
.fees tbody th small{display:block;font-family:var(--sans);font-size:.86rem;color:var(--muted);line-height:1.4;margin-top:2px}
.fees td{font-variant-numeric:tabular-nums;font-weight:600;white-space:nowrap;padding-left:14px;text-align:right}
.fees td small{display:block;font-weight:400;color:var(--muted);font-size:.84rem}
.fees thead th:not(:first-child){text-align:right}
.tablebox{overflow-x:auto}
.sum{font-family:var(--serif);font-size:1.15rem;font-variant-numeric:tabular-nums}

/* guides */
.guides{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:clamp(20px,4vw,48px)}
.guide{display:grid;grid-template-columns:minmax(0,150px) minmax(0,1fr);gap:22px;align-items:center;text-decoration:none}
.guide img{border:1px solid var(--rule);box-shadow:0 10px 26px rgba(11,27,43,.18)}
.guide p{color:var(--muted);font-size:.96rem}
@media (max-width:860px){.guides{grid-template-columns:1fr}}
@media (max-width:420px){.guide{grid-template-columns:minmax(0,104px) minmax(0,1fr);gap:16px}}

/* crisis resources */
.crisis{background:var(--paper);border-top:4px solid var(--alert)}
.crisis .eyebrow{color:var(--alert)}
.help{display:grid;gap:10px;align-content:start;border:1px solid var(--rule);padding:22px;background:#fff;min-width:0}
.help h3{font-family:var(--display);font-weight:400;font-size:1.4rem}
.help .num{font-family:var(--serif);font-size:1.7rem;color:var(--alert);font-variant-numeric:tabular-nums;user-select:all}
.help p{font-size:.95rem;color:var(--muted)}
.help .row a{font-weight:700;font-size:.8rem;letter-spacing:.08em;text-transform:uppercase;color:var(--alert)}
.urgent{font-weight:700;color:var(--alert)}

/* forms */
.form{display:grid;gap:16px}
.form label{display:grid;gap:6px;font-weight:600;font-size:.9rem}
.form input,.form textarea{font:inherit;padding:13px 14px;border:1px solid #9aa6b5;background:#fff;color:var(--ink);width:100%;border-radius:0}
.form textarea{min-height:140px;resize:vertical}
.form .btn{justify-self:start}
.formnote{border-left:3px solid var(--gold);padding:10px 14px;background:var(--cream);font-size:.95rem}
.contactlist{display:grid;gap:0}
.contactlist > div{display:grid;gap:2px;padding:14px 0;border-bottom:1px solid var(--rule)}
.contactlist dt{font-size:.72rem;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:var(--gold-deep)}
.contactlist dd{margin:0;font-family:var(--serif);font-size:1.15rem;overflow-wrap:anywhere}
.contactlist a{text-decoration:none}

/* closing band */
.statement{display:grid;gap:20px;max-width:900px}
.statement .h2{font-size:clamp(2rem,4.6vw,3.2rem)}
.reach{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));border-top:1px solid var(--navy-line);margin-top:clamp(28px,4vw,44px)}
.reach a{display:grid;gap:4px;padding:22px 20px 22px 0;text-decoration:none;border-bottom:1px solid var(--navy-line)}
.reach a + a{padding-left:20px;border-left:1px solid var(--navy-line)}
.reach .k{font-size:.72rem;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:var(--gold)}
.reach .v{font-family:var(--serif);font-size:1.15rem;overflow-wrap:anywhere}
.reach a:hover .v{color:var(--gold-soft)}
@media (max-width:900px){.reach{grid-template-columns:repeat(2,minmax(0,1fr))}.reach a:nth-child(3){padding-left:0;border-left:0}}
@media (max-width:480px){.reach{grid-template-columns:1fr}.reach a,.reach a + a{padding:16px 0;border-left:0}}

/* footer */
.foot{background:var(--navy-deep);color:var(--on-navy-muted);font-size:.9rem;padding-block:44px 30px}
.foot .cols{display:grid;grid-template-columns:minmax(0,1.2fr) repeat(3,minmax(0,1fr));gap:32px}
.foot img{width:190px}
.foot h2{font:700 .72rem var(--sans);letter-spacing:.18em;text-transform:uppercase;color:var(--gold);margin-bottom:10px}
.foot a{text-decoration:none}
.foot a:hover{color:var(--gold-soft)}
.foot li{padding-block:3px}
.foot address{font-style:normal}
.foot .fine{border-top:1px solid var(--navy-line);margin-top:30px;padding-top:18px;font-size:.82rem;display:grid;gap:6px;max-width:84ch}
@media (max-width:900px){.foot .cols{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:520px){.foot .cols{grid-template-columns:1fr}}
@media (prefers-reduced-motion:reduce){*{transition:none!important}html{scroll-behavior:auto}}
.plan .price,.panel .price{font-family:var(--serif);font-size:1.5rem;line-height:1.2;color:var(--ink)}
.navy .panel .price{color:var(--on-navy)}
.plan .price small,.panel .price small{font-size:.9rem;color:var(--muted)}
.fees.loose td{white-space:normal;min-width:8ch;max-width:16ch}
@media (max-width:560px){.fees th small{font-size:.82rem}.fees tbody th{padding-right:10px}}

/* inner page hero with artwork: scene on the right, live text on the left */
.phero.img{position:relative;overflow:hidden}
.phero.img .art{position:absolute;top:0;right:0;bottom:0;width:60%}
.phero.img .art img{width:100%;height:100%;object-fit:cover}
.phero.img .art::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,var(--navy) 0%,rgba(6,26,46,.86) 22%,rgba(6,26,46,.25) 55%,rgba(6,26,46,0) 75%)}
.phero.img .wrap{position:relative;z-index:1;min-height:clamp(360px,34vw,480px);align-content:center}
.phero.img .wrap > *{max-width:min(100%,520px)}
.phero.img h1{font-size:clamp(2.4rem,4.6vw,3.6rem)}
.phero.img .lede{text-shadow:0 1px 12px rgba(6,26,46,.9)}
@media (max-width:860px){
  .phero.img .art{position:relative;width:100%;aspect-ratio:16/10}
  .phero.img .art::after{background:linear-gradient(to top,var(--navy) 0%,rgba(6,26,46,0) 45%)}
  .phero.img .wrap{min-height:0;padding-top:20px}
  .phero.img .wrap > *{max-width:100%}
}

/* ================= second pass: stronger heroes, picture cards, contact blocks ================= */
.eyebrow{display:flex;align-items:center;gap:12px}
.eyebrow::before{content:"";width:28px;height:1px;background:currentColor;flex:none}
.card .eyebrow::before,.plan .eyebrow::before,.panel .eyebrow::before,.pic .eyebrow::before,.help .eyebrow::before{display:none}
.h2{letter-spacing:-.01em}

/* home hero with riverfront scene behind the portrait */
.hero{position:relative}
.hero-bg{position:absolute;inset:0 0 0 30%}
.hero-bg img{width:100%;height:100%;object-fit:cover;object-position:70% 40%;opacity:.5}
.hero-bg::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,var(--navy) 0%,rgba(6,26,46,.7) 35%,rgba(6,26,46,.2) 100%),linear-gradient(to top,var(--navy) 0%,rgba(6,26,46,0) 30%)}
.hero .wrap{position:relative;z-index:1}
.founder img.photo{box-shadow:0 30px 70px rgba(0,0,0,.55)}
@media (max-width:820px){.hero-bg{inset:0}.hero-bg img{opacity:.28}}

/* inner heroes */
.phero.img .art{width:66%}
.phero.img .art::after{background:linear-gradient(90deg,var(--navy) 0%,rgba(6,26,46,.9) 18%,rgba(6,26,46,.3) 50%,rgba(6,26,46,0) 72%),linear-gradient(to top,rgba(6,26,46,.55) 0%,rgba(6,26,46,0) 30%)}
.phero.img .wrap{min-height:clamp(440px,42vw,600px)}
.phero.img .wrap > *{max-width:min(100%,560px)}
.phero.img h1{font-size:clamp(2.6rem,5vw,4.1rem)}
@media (prefers-reduced-motion:no-preference){
  .phero.img .art img,.hero-bg img{animation:drift 26s ease-in-out infinite alternate}
  @keyframes drift{from{transform:scale(1)}to{transform:scale(1.07)}}
}
@media (max-width:860px){
  .phero.img .art{width:100%;aspect-ratio:4/3}
  .phero.img .art::after{background:linear-gradient(to top,var(--navy) 2%,rgba(6,26,46,.6) 30%,rgba(6,26,46,0) 62%)}
  .phero.img .wrap{min-height:0;margin-top:-84px;padding-top:0}
  .phero.img h1{font-size:clamp(2.3rem,9vw,3rem)}
}

/* picture cards */
.pics{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:clamp(14px,2vw,24px)}
.pic{position:relative;display:block;overflow:hidden;aspect-ratio:4/5;background:var(--navy);color:var(--on-navy);text-decoration:none;border:1px solid var(--navy-line)}
.pic > img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;transition:transform .7s ease}
.pic::after{content:"";position:absolute;inset:0;background:linear-gradient(to top,rgba(6,26,46,.97) 0%,rgba(6,26,46,.82) 36%,rgba(6,26,46,.1) 68%);transition:background .3s}
.pic-body{position:absolute;left:0;right:0;bottom:0;z-index:1;display:grid;gap:8px;padding:22px 22px 24px}
.pic .eyebrow{color:var(--gold)}
.pic-title{font-family:var(--display);font-size:clamp(1.5rem,2.3vw,1.9rem);line-height:1.1}
.pic-text{font-size:.95rem;color:var(--on-navy-muted);line-height:1.45}
.pic .more{color:var(--gold)}
.pic:hover > img{transform:scale(1.06)}
.pic:hover{border-color:var(--gold)}
@media (max-width:980px){.pics{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:600px){.pics{grid-template-columns:1fr}.pic{aspect-ratio:5/4}}

/* framed scene with guide tag */
.scene{position:relative;justify-self:center;width:100%;max-width:380px}
.scene > img{width:100%;aspect-ratio:5/6;object-fit:cover;border:1px solid var(--gold);box-shadow:0 26px 60px rgba(0,0,0,.5)}
.scene-tag{position:absolute;left:-18px;bottom:22px;display:flex;align-items:center;gap:12px;background:var(--navy-2);border:1px solid var(--gold);padding:10px 14px 10px 10px;text-decoration:none;max-width:calc(100% - 12px)}
.scene-tag img{width:54px;border:1px solid var(--navy-line)}
.scene-tag span{display:grid;font-size:.7rem;letter-spacing:.14em;text-transform:uppercase;color:var(--gold);font-weight:700}
.scene-tag b{font-family:var(--serif);font-weight:400;font-size:1rem;letter-spacing:0;text-transform:none;color:var(--on-navy)}
@media (max-width:860px){.scene{max-width:320px}.scene-tag{left:8px}}

/* mid-page contact strip */
.strip{background:var(--navy-2);color:var(--on-navy);border-block:1px solid var(--gold)}
.strip .wrap{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:16px 28px;padding-block:22px}
.strip p{font-family:var(--serif);font-size:clamp(1.15rem,2vw,1.4rem);line-height:1.3;max-width:34ch}
@media (max-width:700px){.strip .row{width:100%}.strip .btn{flex:1 1 100%}}

/* closing contact block */
.closer{position:relative;overflow:hidden;background:var(--navy);color:var(--on-navy);padding-block:clamp(60px,9vw,110px)}
.closer-art{position:absolute;inset:0}
.closer-art img{width:100%;height:100%;object-fit:cover;object-position:50% 35%;opacity:.42}
.closer-art::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(6,26,46,.96) 0%,rgba(6,26,46,.8) 45%,rgba(6,26,46,.55) 100%)}
.closer .wrap{position:relative;z-index:1}
.closer .eyebrow{color:var(--gold)}
.closer .lede{color:var(--on-navy)}
.tiles{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:14px;margin-top:clamp(28px,4vw,44px)}
.tile{display:grid;gap:6px;align-content:start;padding:22px 20px;border:1px solid rgba(217,178,74,.65);background:rgba(6,26,46,.72);text-decoration:none;min-width:0;transition:background .15s,color .15s,transform .15s}
.tile .ico{width:30px;height:30px;color:var(--gold);margin-bottom:8px}
.tile .k{font-size:.72rem;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:var(--gold)}
.tile .v{font-family:var(--serif);font-size:1.2rem;line-height:1.25;overflow-wrap:anywhere}
.tile.solid{background:var(--gold);color:var(--navy);border-color:var(--gold)}
.tile.solid .ico,.tile.solid .k{color:var(--navy)}
.tile:hover{background:var(--gold);color:var(--navy);transform:translateY(-3px)}
.tile:hover .ico,.tile:hover .k{color:var(--navy)}
.tile.solid:hover{background:var(--gold-soft)}
.closer-note{margin-top:22px;font-size:.88rem;color:var(--on-navy-muted)}
@media (max-width:900px){.tiles{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:420px){.tile{padding:18px 14px}.tile .v{font-size:1.02rem}}

/* questions */
.qa{display:grid;border-top:2px solid var(--ink)}
.qa details{border-bottom:1px solid var(--rule)}
.qa summary{cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:18px;align-items:baseline;padding:18px 0;font-family:var(--serif);font-size:1.18rem;line-height:1.3}
.qa summary::-webkit-details-marker{display:none}
.qa summary::after{content:"+";font-family:var(--sans);font-size:1.4rem;line-height:1;color:var(--gold-deep);flex:none}
.qa details[open] summary::after{content:"\2212"}
.qa details p{padding:0 0 20px;color:var(--muted);max-width:66ch}

/* lift on boxed items */
.plan,.panel,.help{transition:transform .2s ease,box-shadow .2s ease}
.plan:hover,.help:hover{transform:translateY(-3px);box-shadow:0 16px 34px rgba(11,27,43,.12)}
.plan.featured{box-shadow:0 14px 34px rgba(11,27,43,.1)}

/* phone contact bar */
.bar{display:none}
@media (max-width:860px){
  .bar{display:grid;grid-template-columns:1fr 1fr 1.25fr;position:fixed;left:0;right:0;bottom:0;z-index:30;background:var(--navy);border-top:1px solid var(--gold);padding-bottom:env(safe-area-inset-bottom,0px);box-shadow:0 -8px 24px rgba(0,0,0,.35)}
  .bar a{display:flex;align-items:center;justify-content:center;gap:8px;min-height:56px;color:var(--on-navy);text-decoration:none;font-weight:700;font-size:.8rem;letter-spacing:.1em;text-transform:uppercase;border-left:1px solid var(--navy-line)}
  .bar a:first-child{border-left:0}
  .bar .ico{width:20px;height:20px;color:var(--gold)}
  .bar a.go{background:var(--gold);color:var(--navy)}
  .bar a.go .ico{color:var(--navy)}
  .foot{padding-bottom:calc(30px + 58px)}
}
@media (max-width:520px){.tile.wide{grid-column:1/-1}}
@media (max-width:520px){.tile.solid{grid-column:1/-1}}

/* ================= approved hero artwork, shown whole ================= */
.xhero{background:var(--navy-deep);line-height:0;border-bottom:1px solid var(--gold)}
.xhero picture{display:block;max-width:1920px;margin-inline:auto}
.xhero picture img{width:100%;height:auto}
.xhero .xstrip{width:100%;max-width:1920px;margin-inline:auto;height:auto}
@media (max-width:700px){.xhero .xstrip{display:none}}
.phero.under{border-bottom:1px solid var(--gold)}
.phero.under .wrap{grid-template-columns:minmax(0,1.2fr) minmax(0,.8fr);column-gap:clamp(24px,5vw,64px);align-items:center;padding-block:clamp(30px,4.5vw,56px)}
.phero.under .wrap > *{grid-column:1}
.phero.under .wrap > .row{grid-column:2;grid-row:1 / span 6;align-self:center}
.phero.under .wrap > .row .btn{flex:1 1 100%}
.phero.under h1{font-size:clamp(2.1rem,4.2vw,3.2rem);max-width:20ch}
@media (max-width:860px){
  .phero.under .wrap{grid-template-columns:1fr}
  .phero.under .wrap > .row{grid-column:1;grid-row:auto}
}
.phero.side .wrap{grid-template-columns:minmax(0,.9fr) minmax(0,1.1fr);gap:clamp(24px,5vw,64px);align-items:center}
.phero.side .art2{line-height:0;border:1px solid var(--gold);box-shadow:0 30px 70px rgba(0,0,0,.55);max-width:560px;justify-self:center;width:100%}
.phero.side .art2 img{width:100%;height:auto}
.phero.side .stack{gap:20px}
@media (max-width:860px){
  .phero.side .wrap{grid-template-columns:1fr;padding-top:0}
  .phero.side .art2{max-width:none;border-inline:0;border-top:0;margin-inline:calc(var(--gutter) * -1);width:auto;box-shadow:none}
}
/* portrait beside the bio */
.split .founder{max-width:420px;width:100%;justify-self:center}
.split .founder img.photo{aspect-ratio:4/5;border-bottom:1px solid var(--gold)}
@media (max-width:860px){.split .founder img.photo{aspect-ratio:1/1}}
@media (min-width:861px){
  .phero.side .wrap{grid-template-columns:minmax(0,1.05fr) minmax(0,.95fr);max-width:1320px}
  .phero.side .art2{max-width:640px}
}

/* portrait that melts into the page instead of sitting in a frame */
.meet{position:relative;overflow:hidden;padding-block:0}
.meet .wrap{align-items:center;grid-template-columns:minmax(0,.85fr) minmax(0,1.15fr)}
.meet .prose{padding-block:clamp(48px,7vw,88px)}
.meet .prose p{color:var(--on-navy)}
.meet .prose a.more{color:var(--gold)}
.split .founder.melt{max-width:none;align-self:stretch;display:grid;align-items:end;min-height:520px}
.split .founder.melt img.photo{position:absolute;inset:0;width:100%;height:100%;aspect-ratio:auto;object-fit:cover;object-position:50% 12%;border:0;box-shadow:none;
  -webkit-mask-image:radial-gradient(ellipse 62% 78% at 50% 44%,#000 58%,transparent 100%);mask-image:radial-gradient(ellipse 62% 78% at 50% 44%,#000 58%,transparent 100%)}
.founder.melt figcaption{position:relative;background:none;padding:0 0 30px;justify-items:center;text-align:center}
.founder.melt .sig{width:min(300px,80%)}
@media (max-width:860px){
  .meet .wrap{grid-template-columns:1fr}
  .split .founder.melt{min-height:440px}
  .split .founder.melt img.photo{aspect-ratio:auto}
  .meet .prose{padding-block:8px 48px}
}

/* ================= header as originally built: light bar, navy and gold logo ================= */
.top{background:#fff;color:var(--ink);border-bottom:2px solid var(--gold);box-shadow:0 2px 14px rgba(6,26,46,.08)}
.top .wrap{min-height:92px}
.brand img{width:clamp(190px,19vw,260px)}
.nav a,.dd > button{color:var(--ink);font-weight:500}
.nav a:hover,.nav a[aria-current],.dd > button:hover,.dd[data-current] > button{color:var(--gold-deep)}
.nav a.btn{color:var(--ink);border-color:var(--ink)}
.nav a.btn:hover{background:var(--ink);color:#fff}
.nav a.btn.solid{background:var(--gold);border-color:var(--gold);color:var(--navy)}
.nav a.btn.solid:hover{background:var(--gold-soft);color:var(--navy)}
.menu-btn{color:var(--ink);border-color:var(--gold-deep)}
.dd-menu{background:#fff;border-color:var(--rule);border-top:2px solid var(--gold);box-shadow:0 18px 40px rgba(6,26,46,.16)}
.dd-menu a{color:var(--ink)}
.dd-menu a small{color:var(--muted)}
.dd-menu a:hover{background:var(--cream)}
@media (max-width:1240px){
  .top .wrap{min-height:76px}
  .brand img{width:clamp(170px,48vw,210px)}
  .nav{background:#fff;border-bottom:2px solid var(--gold);box-shadow:0 18px 40px rgba(6,26,46,.16)}
  .nav > a,.dd > button{color:var(--ink);border-bottom-color:var(--rule)}
  .dd-menu,.dd[data-open="true"] .dd-menu{box-shadow:none;border:0;background:none}
  .dd-menu a{color:var(--muted)}
  .dd-menu a:hover{background:none}
  .nav a.btn{border-color:var(--ink)}
  .nav a.btn.solid{border-color:var(--gold)}
}
.brand{flex:none}
.brand img{width:clamp(180px,16vw,236px)}
.nav{gap:clamp(8px,1.15vw,18px);font-size:.86rem}
@media (max-width:1420px) and (min-width:1241px){.nav{gap:13px;font-size:.84rem}.nav a.btn{padding:10px 10px;font-size:.68rem}.brand img{width:176px}.top .wrap{padding-inline:28px;gap:14px}}

/* full-bleed scene supplied text-free: live headline and working buttons sit on the picture */
.phero h1 em{display:block;font-family:var(--serif);font-style:italic;color:var(--gold);font-size:.62em;line-height:1.2;margin-top:.12em}
.phero.img.full .art{width:100%}
.phero.img.full .art::after{background:linear-gradient(90deg,rgba(6,26,46,.82) 0%,rgba(6,26,46,.5) 34%,rgba(6,26,46,0) 58%),linear-gradient(to top,rgba(6,26,46,.5) 0%,rgba(6,26,46,0) 22%)}
.phero.img.full .wrap{min-height:clamp(500px,48vw,700px)}
.phero.img.full h1{font-size:clamp(2.8rem,5.6vw,4.6rem);text-shadow:0 2px 24px rgba(6,26,46,.6)}
.phero.img.full .wrap > *{max-width:min(100%,600px)}
@media (max-width:860px){
  .phero.img.full .art{aspect-ratio:1/1}
  .phero.img.full .art::after{background:linear-gradient(to top,var(--navy) 3%,rgba(6,26,46,.55) 28%,rgba(6,26,46,0) 58%)}
  .phero.img.full .wrap{min-height:0;margin-top:-110px}
  .phero.img.full h1{font-size:clamp(2.5rem,10vw,3.2rem)}
}
.phero h1.stacked span{display:block}
.phero.img.full h1.stacked{font-size:clamp(3.2rem,7vw,5.6rem);line-height:.98}
@media (max-width:860px){.phero.img.full h1.stacked{font-size:clamp(2.9rem,12vw,3.6rem)}}
@media (min-width:861px){.phero.img.full .lede{max-width:430px}}

/* scenes whose subject starts further left: shrink the picture toward the right so the headline keeps clear space */
@media (min-width:861px){
  .phero.img.full .art{width:var(--artw,100%)}
  .phero.img.full.inset .wrap > *{max-width:min(100%,430px)}
  .phero.img.full.inset h1{font-size:clamp(2.6rem,4.6vw,3.9rem)}
  .phero.img.full.inset .art::after{background:linear-gradient(90deg,var(--navy) 0%,rgba(6,26,46,.75) 12%,rgba(6,26,46,.15) 30%,rgba(6,26,46,0) 45%),linear-gradient(to top,rgba(6,26,46,.5) 0%,rgba(6,26,46,0) 22%)}
}
@media (max-width:860px){.phero.img.full .art{aspect-ratio:var(--mar,1/1)}}
@media (max-width:860px){.phero.img.full.inset .wrap{margin-top:-28px}}
@media (min-width:861px){.phero.img.full.inset .wrap > *{max-width:min(100%,385px)}}
@media (min-width:861px){
  .phero.img.full.inset .wrap{min-height:min(49.5vw,720px);padding-block:44px}
  .phero.img.full.inset .wrap > *{max-width:min(100%,400px)}
  .phero.img.full.inset h1{font-size:clamp(2.4rem,3.9vw,3.4rem)}
  .phero.img.full.inset h1 em{font-size:1.4rem}
  .phero.img.full.inset .lede{font-size:1.08rem}
  .phero.img.full.inset .row .btn{padding:14px 13px}
  .phero.img.full.inset .row .btn.solid{flex:1 1 100%}
  .phero.img.full.inset .row .btn:not(.solid){flex:1 1 0}
}
@media (min-width:1400px){.phero.img.full.inset .wrap{max-width:1480px;padding-inline:max(var(--gutter),6vw)}}

/* hero action cards: the four "start here" boxes under an advertisement-style hero */
.hcards{background:var(--navy);color:var(--on-navy);padding-bottom:clamp(22px,3vw,34px);position:relative;z-index:2}
.hcards .wrap{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:14px;margin-top:-34px}
.hcard{display:grid;gap:8px;align-content:start;padding:20px 20px 22px;background:var(--navy-2);border:1px solid var(--gold);text-decoration:none;min-width:0;box-shadow:0 18px 40px rgba(0,0,0,.4);transition:transform .15s,background .15s}
.hcard .ico{width:30px;height:30px;color:var(--gold)}
.hcard .t{font-family:var(--display);font-size:1.3rem;line-height:1.15}
.hcard .d{font-size:.92rem;line-height:1.45;color:var(--on-navy-muted)}
.hcard .more{color:var(--gold);margin-top:4px}
.hcard:hover{transform:translateY(-4px);background:#103256}
@media (max-width:980px){.hcards .wrap{grid-template-columns:repeat(2,minmax(0,1fr));margin-top:0;padding-top:6px}}
@media (max-width:520px){.hcards .wrap{grid-template-columns:1fr}.hcard{grid-template-columns:auto 1fr;column-gap:14px}.hcard .ico{grid-row:1 / span 3}}
@media (min-width:981px){.phero.img.full:has(+ .hcards) .wrap{padding-bottom:64px}}
.planstrip + .hcards .wrap{margin-top:0;padding-top:clamp(18px,2.4vw,28px)}

/* menu with a description of each page */
@media (min-width:1241px){
  .dd-menu{width:min(580px,calc(100vw - 48px));min-width:0;padding:0;max-height:calc(100vh - 130px);overflow-y:auto}
  .dd-menu a{display:grid;gap:8px;padding:20px 26px;border-bottom:1px solid var(--rule)}
  .dd-menu a:last-child{border-bottom:0}
  .dd-t{display:flex;justify-content:space-between;align-items:baseline;gap:18px;font-weight:700;font-size:1.08rem;color:var(--ink)}
  .dd-t .cue{flex:none;font-size:.7rem;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-deep)}
  .dd-t .cue::after{content:" \2192"}
  .dd-menu a small{font-size:.92rem;line-height:1.55;color:var(--muted)}
  .dd-menu a[aria-current] .dd-t{color:var(--gold-deep)}
}
@media (max-width:1240px){.dd-t .cue{display:none}}

/* jump to top / bottom */
.jumpers{position:fixed;right:16px;bottom:22px;z-index:25;display:grid;gap:8px}
.jumpers button{width:46px;height:46px;display:grid;place-items:center;background:var(--navy);color:var(--gold);border:1px solid var(--gold);border-radius:50%;cursor:pointer;box-shadow:0 8px 22px rgba(4,18,31,.35);transition:background .15s,color .15s}
.jumpers button:hover{background:var(--gold);color:var(--navy)}
.jumpers svg{width:20px;height:20px}
@media (max-width:860px){.jumpers{right:12px;bottom:calc(70px + env(safe-area-inset-bottom,0px))}.jumpers button{width:42px;height:42px}}
[hidden]{display:none!important}
@media (min-width:1241px){
  .dd-menu a{gap:5px;padding:14px 24px}
  .dd-menu a small{font-size:.86rem;line-height:1.45}
}

/* fees menu with prices */
.only-m{display:none}
@media (max-width:1240px){.only-d{display:none!important}.nav > a.only-m{display:block}}
@media (min-width:1241px){
  .dd-menu.mega{width:min(840px,calc(100vw - 48px));left:-330px;padding:0 22px 16px}
  .mega-head{display:flex;justify-content:space-between;align-items:baseline;gap:18px;padding:18px 4px 12px;border-bottom:2px solid var(--gold)}
  .mega-t{font-family:var(--display);font-size:1.7rem;color:var(--ink)}
  .mega-k{font-size:.72rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--gold-deep)}
  .mega-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr))}
  .dd-menu.mega a.fee{display:grid;gap:5px;align-content:start;padding:14px 16px 14px 4px;border-bottom:1px solid var(--rule)}
  .dd-menu.mega a.fee:nth-child(even){padding-left:18px;border-left:1px solid var(--rule)}
  .dd-menu.mega a.fee.tint{background:var(--cream)}
  .fee-t{font-weight:700;font-size:1.05rem;color:var(--gold-deep);margin-bottom:2px}
  .fr{display:flex;justify-content:space-between;gap:14px;align-items:baseline;font-size:.92rem;color:var(--muted)}
  .fr b{color:var(--ink);text-align:right;font-variant-numeric:tabular-nums}
  .dd-menu.mega a.fee small{font-size:.84rem;line-height:1.45;color:var(--muted)}
  .dd-menu.mega .cue{font-size:.7rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-deep);margin-top:2px}
  .dd-menu.mega .cue::after{content:" \2192"}
  .dd-menu.mega a.mega-all{display:block;border:0;padding:14px 4px 0;font-size:.74rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--ink)}
  .dd-menu.mega a.mega-all:hover{background:none;color:var(--gold-deep)}
}

/* coupon, Michigan map, QR */
.coupon{position:relative;display:grid;gap:8px;justify-items:center;text-align:center;padding:30px 30px 26px;border:2px dashed var(--gold);background:var(--navy-2);color:var(--on-navy);min-width:0}
.coupon::before,.coupon::after{content:"";position:absolute;top:50%;width:28px;height:28px;border-radius:50%;background:var(--navy);transform:translateY(-50%)}
.coupon::before{left:-16px}.coupon::after{right:-16px}
.coupon .amt{font-family:var(--display);font-size:clamp(3.6rem,8vw,5.4rem);line-height:.95;color:var(--gold)}
.coupon .lab{font-size:.78rem;font-weight:700;letter-spacing:.22em;text-transform:uppercase;color:var(--gold-soft)}
.coupon .sum{font-size:.98rem;color:var(--on-navy-muted);border-top:1px solid var(--navy-line);padding-top:10px;width:100%}
.coupon .sum b{color:var(--on-navy);white-space:nowrap}
.coupon .fine{font-size:.8rem;color:var(--on-navy-muted)}
.mapfig{display:grid;gap:14px;justify-items:center;text-align:center;min-width:0}
.mapfig img{width:min(100%,430px)}
.mapfig figcaption{font-size:.9rem;color:var(--on-navy-muted);max-width:44ch}
.mapfig figcaption b{display:block;font-size:.74rem;letter-spacing:.18em;text-transform:uppercase;color:var(--gold);margin-bottom:6px}
.guideqr{display:flex;flex-wrap:wrap;gap:24px;align-items:end;justify-content:center}
.guideqr .cover{max-width:220px}
.qr{display:grid;gap:8px;justify-items:center;text-align:center;font-size:.84rem;color:var(--muted)}
.qr img{width:132px;background:#fff;padding:8px;border:1px solid var(--rule)}
.qr b{display:block;font-size:.72rem;letter-spacing:.16em;text-transform:uppercase;color:var(--ink)}
.founder .sig,.founder.melt .sig{width:min(385px,94%)}

/* About hero: the real portrait standing in the office scene */
.phero.me .wrap{grid-template-columns:minmax(0,400px) minmax(0,400px);column-gap:8px;align-items:end;padding-bottom:0}
.phero.me .wrap > *{max-width:none}
.phero.me .stack{gap:20px;align-self:center;padding-bottom:44px}
.hport{position:relative;margin:0;align-self:end;min-width:0}
.hport .photo{display:block;width:100%;aspect-ratio:4/5.3;object-fit:cover;object-position:50% 8%;
  -webkit-mask-image:linear-gradient(90deg,transparent 0,#000 24%,#000 76%,transparent 100%),linear-gradient(to bottom,transparent 0,#000 14%,#000 100%);-webkit-mask-composite:source-in;
  mask-image:linear-gradient(90deg,transparent 0,#000 24%,#000 76%,transparent 100%),linear-gradient(to bottom,transparent 0,#000 14%,#000 100%);mask-composite:intersect}
.hport figcaption{position:absolute;left:0;right:0;bottom:0;display:grid;gap:6px;justify-items:center;text-align:center;padding:70px 10px 20px;background:linear-gradient(to top,rgba(6,26,46,.92) 25%,rgba(6,26,46,0))}
.hport .sig{width:min(395px,96%)}
.hport .who{font-size:.72rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--on-navy)}
@media (min-width:861px){.phero.me .art::after{background:linear-gradient(90deg,var(--navy) 0%,rgba(6,26,46,.9) 14%,rgba(6,26,46,.45) 34%,rgba(6,26,46,0) 52%),linear-gradient(to top,rgba(6,26,46,.5) 0%,rgba(6,26,46,0) 22%)}}
@media (max-width:860px){
  .phero.me .wrap{grid-template-columns:1fr;margin-top:-150px;padding-bottom:36px}
  .phero.me .stack{padding-bottom:0}
  .hport{order:-1;width:min(300px,78%);justify-self:center}
}
.phero.img.full.inset.me .wrap{padding-bottom:0}
.phero.me h1 em{font-size:.86em;line-height:1.08;margin-top:.06em}
.hport figcaption{-webkit-mask-image:linear-gradient(90deg,transparent 0,#000 22%,#000 78%,transparent 100%);mask-image:linear-gradient(90deg,transparent 0,#000 22%,#000 78%,transparent 100%)}
@media (max-width:860px){
  .phero.img.full.inset.me .wrap{margin-top:-150px;padding-bottom:36px}
}
@media (min-width:861px){
  .phero.img.full.inset.me .wrap{align-content:end}
  .phero.img.full.inset.me h1 em{font-size:.8em}
}

/* About hero, second take: the portrait at full scale on deep navy */
.phero.me2{position:relative;overflow:hidden;background:radial-gradient(ellipse 46% 78% at 73% 40%,#1b4a7c 0%,#0d2c4d 42%,var(--navy) 78%)}
.me2 .wm{position:absolute;right:-1.500%;top:3%;display:grid;justify-items:end;font-family:var(--display);font-size:clamp(6rem,15.500vw,16rem);line-height:.84;text-transform:uppercase;letter-spacing:.01em;color:transparent;-webkit-text-stroke:1.500px rgba(217,178,74,.2);user-select:none;pointer-events:none}
.phero.me2 .wrap{position:relative;z-index:1;grid-template-columns:minmax(0,1.050fr) minmax(0,.95fr);column-gap:clamp(16px,3vw,48px);align-items:end;padding-block:0;max-width:1320px;min-height:clamp(600px,54vw,800px)}
.me2 .stack{gap:22px;align-self:center;padding-block:clamp(40px,5vw,72px)}
.phero.me2 h1{font-size:clamp(3.200rem,6.200vw,5.600rem);line-height:.98;max-width:none;letter-spacing:-.012em}
.phero.me2 h1 em{font-size:.78em;line-height:1.06;margin-top:.14em;color:var(--gold)}
.me2 .lede{max-width:46ch}
.idline{display:grid;gap:3px;border-left:2px solid var(--gold);padding-left:16px}
.idline b{font-family:var(--display);font-weight:400;font-size:1.700rem;line-height:1.15}
.idline span{font-size:.95rem;color:var(--on-navy-muted)}
.idline .g{color:var(--gold);font-weight:700;letter-spacing:.14em;font-size:.82rem}
.me2 .hport{align-self:end;width:100%;max-width:600px;justify-self:center}
.me2 .hport .photo{aspect-ratio:4/5;object-position:50% 6%;
  -webkit-mask-image:radial-gradient(ellipse 74% 92% at 50% 40%,#000 52%,transparent 100%);mask-image:radial-gradient(ellipse 74% 92% at 50% 40%,#000 52%,transparent 100%);-webkit-mask-composite:initial;mask-composite:initial}
.me2 .hport figcaption{padding:90px 10px 26px;gap:8px;background:linear-gradient(to top,var(--navy) 18%,rgba(6,26,46,0));-webkit-mask-image:none;mask-image:none}
.me2 .hport .sig{width:min(575px,98%);filter:drop-shadow(0 2px 14px rgba(0,0,0,.6))}
.me2 .hport .who{font-size:.8rem;letter-spacing:.22em}
@media (prefers-reduced-motion:no-preference){
  .me2 .hport{animation:rise .9s ease-out both}
  .me2 .hport .sig{animation:rise 1s .35s ease-out both}
  @keyframes rise{from{opacity:.0;transform:translateY(18px)}to{opacity:1;transform:none}}
}
@media (max-width:860px){
  .phero.me2{background:radial-gradient(ellipse 90% 46% at 50% 22%,#1b4a7c 0%,#0d2c4d 45%,var(--navy) 82%)}
  .phero.me2 .wrap{grid-template-columns:1fr;min-height:0;padding-bottom:40px}
  .me2 .hport{order:-1;max-width:440px}
  .me2 .stack{padding-block:6px 0}
  .me2 .wm{font-size:27vw;top:1%;right:-2%}
  .phero.me2 h1{font-size:clamp(2.900rem,12.500vw,3.800rem)}
}
.phero.me2{background:radial-gradient(ellipse 34% 60% at 73% 36%,#16385f 0%,#0b2440 48%,var(--navy) 80%)}
.me2 .hport .photo{
  -webkit-mask-image:linear-gradient(90deg,transparent 0,#000 30%,#000 70%,transparent 100%),linear-gradient(to bottom,transparent 0,#000 22%,#000 100%);-webkit-mask-composite:source-in;
  mask-image:linear-gradient(90deg,transparent 0,#000 30%,#000 70%,transparent 100%),linear-gradient(to bottom,transparent 0,#000 22%,#000 100%);mask-composite:intersect}
.me2 .hport{max-width:680px}
.phero.me2 h1{font-size:clamp(3.200rem,5.400vw,4.700rem)}
@media (max-width:860px){.phero.me2{background:radial-gradient(ellipse 70% 30% at 50% 16%,#16385f 0%,#0b2440 50%,var(--navy) 85%)}}

/* About hero, final: real portrait standing between the flags */
.phero.img.full.me3{background:var(--navy)}
.phero.img.full.me3 .art img{animation:none;object-position:100% 50%}
.me3 .cap{position:absolute;left:70.500%;bottom:5%;transform:translateX(-50%);z-index:2;width:38%;display:grid;gap:8px;justify-items:center;text-align:center}
.me3 .cap::before{content:"";position:absolute;inset:-70% -22% -30%;z-index:-1;background:radial-gradient(ellipse 50% 50% at 50% 62%,rgba(6,26,46,.9) 0%,rgba(6,26,46,.6) 45%,rgba(6,26,46,0) 100%)}
.me3 .cap .sig{width:100%;filter:drop-shadow(0 2px 10px rgba(0,0,0,.7))}
.me3 .cap .who{font-size:clamp(.62rem,.9vw,.82rem);font-weight:700;letter-spacing:.2em;text-transform:uppercase;color:var(--on-navy);white-space:nowrap}
.phero.img.full.me3 h1 em{font-size:.78em;line-height:1.06;margin-top:.14em}
@media (min-width:861px){
  .phero.img.full.me3 .art{left:auto;right:0;width:auto;height:100%;aspect-ratio:1672/941}
  .phero.img.full.me3 .art::after{background:linear-gradient(90deg,var(--navy) 0%,rgba(6,26,46,.55) 14%,rgba(6,26,46,0) 34%),linear-gradient(to top,rgba(6,26,46,.35) 0%,rgba(6,26,46,0) 18%)}
  .phero.img.full.me3 .wrap{min-height:clamp(600px,54vw,800px);max-width:1320px}
  .phero.img.full.me3 .wrap > *{max-width:min(100%,540px)}
  .phero.img.full.me3 h1{font-size:clamp(3rem,5.200vw,4.600rem);line-height:.98;white-space:nowrap}
  .phero.img.full.me3 h1 em{white-space:normal}
}
@media (max-width:860px){
  .phero.img.full.me3 .art{aspect-ratio:1/1.050}
  .phero.img.full.me3 .art img{object-position:74% 50%}
  .phero.img.full.me3 .art::after{background:linear-gradient(to top,var(--navy) 0%,rgba(6,26,46,0) 30%)}
  .me3 .cap{left:50%;width:78%;bottom:4%}
  .phero.img.full.me3 .wrap{margin-top:0;padding-top:22px}
  .phero.img.full.me3 h1{font-size:clamp(2.900rem,12.500vw,3.800rem)}
}
@media (max-width:860px){
  .phero.img.full.me3 .art img{object-position:100% 50%}
  .me3 .cap{left:46%}
}
.me3 .cap{left:65.600%;width:36%}
.me3 .cap::before{inset:-90% -26% -40%;background:radial-gradient(ellipse 50% 50% at 50% 64%,rgba(4,18,31,.96) 0%,rgba(4,18,31,.78) 40%,rgba(4,18,31,0) 100%)}
@media (min-width:861px){
  .phero.img.full.me3 .wrap > *{max-width:min(100%,500px)}
  .phero.img.full.me3 h1{font-size:clamp(2.800rem,4.800vw,4.300rem)}
}
@media (max-width:860px){
  .phero.img.full.me3 .art{aspect-ratio:1/.95}
  .me3 .cap{left:42%;width:80%}
}

/* articles */
.phero.arthead .wrap{padding-block:clamp(40px,6vw,72px)}
.phero.arthead h1{max-width:20ch;font-size:clamp(2.300rem,5vw,3.700rem)}
.byline{font-size:.86rem;letter-spacing:.04em;color:var(--on-navy-muted)}
.draftbar{background:#fff4d6;color:#4a3800;border-bottom:1px solid #e3c25a;font-size:.92rem;padding-block:10px}
.artgrid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,320px);gap:clamp(28px,5vw,72px);align-items:start}
.artbody{display:grid;gap:16px;max-width:70ch;min-width:0;font-size:1.060rem}
.artbody .first{font-family:var(--serif);font-size:1.250rem;line-height:1.5}
.artbody h2{font-family:var(--display);font-weight:400;font-size:1.800rem;line-height:1.15;margin-top:18px}
.artbody ul{list-style:disc;padding-left:1.250em;display:grid;gap:10px}
.artbody ul.sources{font-size:.92rem;color:var(--muted);gap:5px}
.artbody a{color:var(--gold-deep);font-weight:600}
.disclaimer{margin-top:22px;border-left:3px solid var(--gold);background:var(--cream);padding:16px 18px;font-size:.93rem;color:var(--ink)}
.artside{display:grid;gap:18px;position:sticky;top:112px}
.artside .panel p{font-size:.95rem;color:var(--muted)}
.artside .row .btn{flex:1 1 100%}
.avatar{width:84px;height:84px;border-radius:50%;object-fit:cover;object-position:50% 14%;border:2px solid var(--gold)}
.share{display:flex;flex-wrap:wrap;gap:8px}
.share a{display:inline-block;border:1px solid var(--ink);padding:8px 12px;font-size:.78rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;text-decoration:none}
.share a:hover{background:var(--ink);color:var(--paper)}
@media (max-width:900px){.artgrid{grid-template-columns:1fr}.artside{position:static}}
.chipbar{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:22px}
.chipbtn{font:700 .76rem var(--sans);letter-spacing:.08em;text-transform:uppercase;padding:9px 14px;border:1px solid var(--ink);background:none;color:var(--ink);cursor:pointer}
.chipbtn[aria-pressed="true"]{background:var(--ink);color:var(--paper)}
.artlist .card .meta{font-size:.82rem;color:var(--muted)}

/* footer matches the white header */
.foot{background:#fff;color:#33475c;border-top:2px solid var(--gold);padding-top:48px}
.foot .flogo{display:inline-block}
.foot img{width:210px}
.foot h2{color:#8a6a14}
.foot a{color:#061a2e}
.foot a:hover{color:#8a6a14;text-decoration:underline}
.foot address{color:#061a2e}
.foot .fine{border-top:1px solid #e4dccb;color:#55667a}

/* payment plan line */
.payline{border-left:3px solid var(--gold);background:#fff;padding:14px 18px;max-width:78ch;color:var(--ink)}
.navy .payline{background:rgba(255,255,255,.06);color:var(--on-navy)}

/* contact tiles: one-line values, equal boxes */
.tile{container-type:inline-size}
.tile .v{font-size:clamp(.8rem,7.2cqi,1.2rem);white-space:nowrap;overflow-wrap:normal}
@media (max-width:420px){.tile .v{font-size:clamp(.8rem,7.2cqi,1.2rem)}}
@media (min-width:901px){.tile{padding-inline:16px}}
@media (max-width:520px){.tile:not(.wide):not(.solid) .v{font-size:clamp(.9rem,9cqi,1.1rem)}}
@media (min-width:901px) and (max-width:1100px){.tiles{grid-template-columns:repeat(2,minmax(0,1fr))}}

/* desktop: menus open on hover as well as click */
@media (min-width:1241px) and (hover:hover){
  .dd:hover .dd-menu{display:grid}
  .dd::after{content:"";position:absolute;left:-18px;right:-18px;top:100%;height:24px}
}

/* narrow screens: show the menu descriptions too */
@media (max-width:1240px){
  .dd-menu a{display:grid;gap:3px;padding:10px 0}
  .dd-menu a .dd-t{color:var(--ink);font-weight:600}
  .dd-menu a small{display:block;font-size:.82rem;line-height:1.42;color:var(--muted);max-width:70ch}
}
@media (max-width:600px){
  .dd-menu a small{display:-webkit-box;-webkit-line-clamp:2;-webkit-box-orient:vertical;overflow:hidden}
}

/* menu items read as links: gold title + arrow, brighter on hover */
.dd-menu a .dd-t{transition:color .15s}
.dd-menu a:hover .dd-t,.dd-menu a:focus-visible .dd-t{color:var(--gold-deep)}
.dd-menu a:hover .dd-t .cue,.dd-menu a:focus-visible .dd-t .cue{color:var(--gold-deep);text-decoration:underline;text-underline-offset:4px}
.dd-menu.mega a.fee:hover .fee-t{color:var(--gold-deep)}
@media (max-width:1240px){
  .dd-menu a{padding:12px 12px;margin-inline:-12px;border-left:3px solid transparent;transition:background .15s,border-color .15s}
  .dd-menu a .dd-t{display:flex;justify-content:space-between;align-items:baseline;gap:14px;color:var(--gold-deep);font-weight:700}
  .dd-t .cue{display:inline;flex:none;font-size:.68rem;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-deep)}
  .dd-t .cue::after{content:" \2192"}
  .dd-menu a:hover,.dd-menu a:active,.dd-menu a:focus-visible{background:var(--cream);border-left-color:var(--gold)}
  .dd-menu a:hover .dd-t,.dd-menu a:active .dd-t{color:var(--ink)}
}

/* article: private question box */
.askbox{display:grid;gap:14px;justify-items:start;background:var(--cream);border:1px solid var(--rule);border-left:3px solid var(--gold);padding:clamp(20px,3vw,28px);margin-top:10px}
.askbox>div{display:grid;gap:6px}
.askbox p{margin:0}
.askbox .note{font-size:.84rem;color:var(--muted)}
@media (max-width:520px){.askbox .btn{width:100%;text-align:center}}

/* legal pages */
.legal{display:grid;grid-template-columns:minmax(0,260px) minmax(0,1fr);gap:clamp(28px,5vw,64px);align-items:start}
.legalnav{position:sticky;top:112px;display:grid;gap:10px;border-left:3px solid var(--gold);padding-left:18px}
.legalnav ul{list-style:none;margin:0;padding:0;display:grid;gap:7px;font-size:.92rem}
.legalnav a{text-decoration:none;color:var(--ink)}
.legalnav a:hover{color:var(--gold-deep);text-decoration:underline}
.legal .prose{max-width:72ch}
.legal .prose h2{margin-top:18px;scroll-margin-top:110px}
.legal .prose ul.ticks{margin:0}
@media (max-width:900px){.legal{grid-template-columns:1fr}.legalnav{position:static}}
.foot .legallinks{display:flex;flex-wrap:wrap;gap:6px 22px;font-weight:600}
.foot .legallinks a{text-decoration:underline;text-underline-offset:3px}

.disclaimer .disc2{display:block;margin-top:10px}
.sources a{color:var(--gold-deep);font-weight:600;text-decoration:underline;text-underline-offset:3px}
.sources a::after{content:" \2197";font-size:.85em;text-decoration:none;display:inline-block}

/* service area */
.areas{display:grid;gap:12px;align-content:start;border-top:3px solid var(--gold);background:#fff;border-inline:1px solid var(--rule);border-bottom:1px solid var(--rule);padding:clamp(20px,3vw,28px)}
.areas h3{font:700 .72rem var(--sans);letter-spacing:.18em;text-transform:uppercase;color:var(--gold-deep);margin:0}
.areas ul{list-style:none;margin:0 0 6px;padding:0;display:flex;flex-wrap:wrap;gap:8px}
.areas li{border:1px solid var(--rule);padding:6px 11px;font-size:.9rem;background:var(--paper)}

.hoursnote{display:block;margin-top:6px;font-size:.86rem;color:var(--muted);font-weight:400}
.foot .fhours{margin:0;font-size:.88rem}
.artbody ol{list-style:decimal;padding-left:1.4em;display:grid;gap:10px}
.artbody .tablebox{margin-block:4px}

/* numbered steps */
ol.steps{list-style:none;counter-reset:st;margin:0;padding:0;display:grid;gap:14px}
ol.steps li{counter-increment:st;display:grid;grid-template-columns:38px minmax(0,1fr);gap:12px;align-items:start}
ol.steps li::before{content:counter(st);font-family:var(--serif);font-size:1.15rem;line-height:36px;text-align:center;width:36px;height:36px;border:1px solid var(--gold-deep);color:var(--gold-deep)}
ol.steps li>strong{display:contents}

/* wide picture card that spans the row */
.pic.wide{grid-column:1/-1;aspect-ratio:auto;min-height:clamp(250px,26vw,330px)}
.pic.wide::after{background:linear-gradient(to right,rgba(6,26,46,.98) 0%,rgba(6,26,46,.9) 34%,rgba(6,26,46,.25) 62%,rgba(6,26,46,0) 80%)}
.pic.wide .pic-body{top:0;right:auto;width:min(46%,520px);align-content:center;padding:26px 28px}
@media (max-width:980px){.pic.wide .pic-body{width:min(60%,520px)}}
@media (max-width:600px){
  .pic.wide{aspect-ratio:5/4;min-height:0}
  .pic.wide{aspect-ratio:4/5}
  .pic.wide::after{background:linear-gradient(to top,rgba(6,26,46,.98) 0%,rgba(6,26,46,.92) 44%,rgba(6,26,46,.12) 70%)}
  .pic.wide .pic-body{top:auto;right:0;width:auto;align-content:end;padding:22px 22px 24px}
  .pic.wide > img{object-position:66% 0%!important;height:62%}
}

/* wide screens: line full-image heroes up with the other pages (no empty band on the left) */
@media (min-width:1400px){.phero.img.full:not(.inset):not(.me3) .wrap{max-width:1480px;padding-inline:max(var(--gutter),6vw)}}

/* ===== phone layout: centered, nothing cropped or covered ===== */
@media (max-width:700px){
  /* hero: centered text, one clear button (Call/Text live in the bottom bar) */
  .phero .wrap{text-align:center;justify-items:center}
  .phero .wrap > *{margin-inline:auto}
  .phero .crumbs{display:none}
  .phero .eyebrow,.head .eyebrow,.stack > .eyebrow,.prose > .eyebrow{justify-content:center}
  .phero .eyebrow::before,.head .eyebrow::before,.stack > .eyebrow::before,.prose > .eyebrow::before{display:none}
  .phero .row.full{justify-content:center;width:100%}
  .phero .row.full .btn:not(.solid){display:none}
  .phero .row.full .btn.solid{flex:1 1 100%;text-align:center;justify-content:center}
  .phero.img.full .wrap,.phero.img.full.inset .wrap{padding-bottom:34px}
  /* section headings and intros */
  .head,.stack,.cta .wrap,.strip .wrap{text-align:center;justify-items:center}
  .head > *,.stack > h2,.stack > .lede{margin-inline:auto}
  .stack > p,.stack > .note{text-align:left}
  .stack > p.eyebrow,.stack > p.lede,.stack > p.motto{text-align:center}
  .row{justify-content:center}
  .more{justify-self:center}
  /* credentials strip */
  .creds li{text-align:center;justify-items:center;border-left:0!important;padding-inline:8px!important}
  /* cards, plans, panels */
  .card,.plan,.panel,.hcard,.areas{text-align:center;justify-items:center}
  .card .eyebrow,.plan .eyebrow,.panel .eyebrow{justify-content:center}
  .plan ul,.panel ul,.card ul,.ticks,.contactlist,ol.steps{text-align:left;justify-self:stretch}
  .panel p.note,.panel .payline{text-align:left}
  .areas ul{justify-content:center}
  .payline,.note{text-align:left}
  /* picture cards: whole picture on top, centered words underneath */
  .pics .pic,.pics .pic.wide{aspect-ratio:auto;min-height:0;display:grid;grid-template-rows:auto auto}
  .pics .pic > img,.pics .pic.wide > img{position:static;width:100%;height:auto;aspect-ratio:16/9;object-fit:cover}
  .pics .pic::after,.pics .pic.wide::after{display:none}
  .pics .pic .pic-body,.pics .pic.wide .pic-body{position:static;width:auto;padding:18px 18px 22px;text-align:center;justify-items:center;background:var(--navy)}
  .pics .pic .eyebrow{justify-content:center}
  /* figures and images */
  figure,.mapfig,.founder,.guideqr{margin-inline:auto;text-align:center;justify-items:center}
  .meet .prose{text-align:center;justify-items:center}
  .meet .prose > p:not(.eyebrow):not(.motto){text-align:left}
  /* footer */
  .foot .cols{text-align:center;justify-items:center}
  .foot .stack{justify-items:center}
  .foot .fine{text-align:center;margin-inline:auto}
  .foot .legallinks{justify-content:center}
  /* keep the jump arrows clear of the bottom bar */
  .jumpers{bottom:calc(78px + env(safe-area-inset-bottom,0px))}
  /* long-form reading stays left-aligned */
  .artbody,.legal .prose,.legalnav,.faq details,.qa{text-align:left}
  .arthead .wrap{text-align:center}
}
/* privacy page table: wrap instead of running wide */
.legal .tablebox table{min-width:0;width:100%;table-layout:fixed}
.legal .tablebox th,.legal .tablebox td{white-space:normal;overflow-wrap:anywhere}
@media (max-width:700px){.legal .tablebox th[scope=row]{width:36%}}
@media (max-width:700px){.chips,.tags,.stack > ul:not(.ticks):not(.sources){justify-content:center}.chipbar{justify-content:center}}

/* home hero: keep the full flag row in view (no slow zoom cropping the right edge) */
.phero.img.full:not(.inset) .art img{animation:none}
@media (max-width:700px){
  /* hero words sit below the picture instead of over the subject */
  .phero.img.full .wrap,.phero.img.full.inset .wrap{margin-top:-34px}
  .phero.img.full .art::after{background:linear-gradient(to top,var(--navy) 0%,rgba(6,26,46,.35) 14%,rgba(6,26,46,0) 30%)}
  /* picture cards: crop away the dark left side of each scene */
  .pics .pic > img,.pics .pic.wide > img{aspect-ratio:5/4}
  .pics .pic.wide > img{object-position:100% 40%!important;height:auto}
  .lede{padding-inline:4px}
}
@media (max-width:700px){.pics .pic > img{object-position:100% 50%!important;aspect-ratio:4/3}.pics .pic.wide > img{aspect-ratio:4/3}}
/* phones: anchor hero pictures to their lit right side and drop the slow zoom */
@media (max-width:860px){.phero.img.full.inset .art img{object-position:100% 50%!important;animation:none}}

/* contact form: spam trap hidden, acknowledgment checkbox, status messages */
.form .hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.form .check{display:flex;gap:.6rem;align-items:flex-start;font-weight:400;font-size:.92rem;line-height:1.45}
.form .check input{width:1.1rem;height:1.1rem;margin-top:.15rem;flex:none;accent-color:var(--navy)}
.formnote.err{color:var(--alert)}
/* contact form: clear green success confirmation */
.formnote.ok{background:#e8f5ec;border-left-color:#2e7d4f;color:#14462b;display:flex;gap:.65rem;align-items:flex-start}
.formnote.ok[hidden]{display:none}
.formnote.ok::before{content:"\2713";flex:none;width:1.5rem;height:1.5rem;border-radius:50%;background:#2e7d4f;color:#fff;font-weight:700;display:grid;place-items:center;font-size:.95rem;line-height:1;margin-top:.15rem}

/* forms: select menus and checkbox groups */
.form select{font:inherit;width:100%;padding:.8rem .9rem;border:1px solid var(--muted);border-radius:0;background:#fff;color:var(--ink);margin-top:.4rem}
.form fieldset.checks{border:0;padding:0;margin:0;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.5rem 1rem}
.form fieldset.checks legend{font-weight:600;margin-bottom:.5rem;padding:0}
.form fieldset.checks label{display:flex;gap:.5rem;align-items:center;font-weight:400}
.form fieldset.checks input{width:1.05rem;height:1.05rem;accent-color:var(--navy);margin:0}

/* guide request: success box holds the download button */
.formnote.ok > div p{margin:0 0 .6rem}
.formnote.ok .btn{margin-top:.2rem}
.band.cream .guideform{max-width:34rem}

.form[hidden],[data-liveonly][hidden],[data-fallback][hidden]{display:none!important}

/* home: group planning day block */
.grouprow{display:grid;grid-template-columns:minmax(0,300px) minmax(0,1fr);gap:clamp(1.5rem,4vw,3.5rem);align-items:center}
.groupfig{margin:0}
.groupfig img{width:100%;height:auto;display:block}
.grouprow .row{align-items:center;gap:1.25rem}
@media (max-width:700px){.grouprow{grid-template-columns:1fr;text-align:center;justify-items:center}.groupfig{width:100%;max-width:220px}.grouprow .row{justify-content:center;flex-direction:column}}
@media (max-width:700px){.grouprow .row>*{align-self:center!important}}

/* required field markers */
.form .req{color:var(--alert);margin-left:.2rem;font-weight:700}
.form .reqnote{margin:0;font-size:.85rem;color:var(--muted)}
.form .reqnote .req{margin:0 .15rem 0 0}

/* Payment plan callouts (Oct 12, 2026) */
.planbox{display:flex;flex-wrap:wrap;gap:16px 32px;align-items:center;justify-content:space-between;background:var(--gold-soft);border:1px solid var(--gold);border-left:6px solid var(--gold);padding:22px 26px;color:var(--ink)}
.planbox-t{display:grid;gap:4px;min-width:0;flex:1 1 320px}
.planbox .eyebrow{color:var(--gold-deep)}
.planbox-h{font-family:var(--serif);font-size:1.3rem;line-height:1.25;color:var(--navy);margin:0}
.planbox p{margin:0}
.planbox .btn{flex:0 0 auto}
.navy .planbox{background:var(--gold-soft);color:var(--ink)}
.planstrip{display:block;background:var(--gold);color:var(--navy);text-decoration:none;font-size:.92rem}
.planstrip .wrap{display:flex;flex-wrap:wrap;gap:6px 18px;align-items:center;justify-content:space-between;padding-block:11px}
.planstrip b{font-weight:700}.planstrip i{font-style:normal;margin:0 10px;opacity:.6}
.planstrip-cta{font-weight:700;font-size:.78rem;letter-spacing:.09em;text-transform:uppercase;border-bottom:1px solid currentColor;padding-bottom:1px}
.planstrip:hover .planstrip-cta,.planstrip:focus-visible .planstrip-cta{border-bottom-width:2px}
@media (max-width:640px){.planstrip i{margin:0 6px}.planstrip{font-size:.86rem}}
.planex-wrap{overflow-x:auto;min-width:0}
.planex{width:100%;border-collapse:collapse;font-size:.92rem}
.planex th,.planex td{text-align:left;padding:9px 8px;border-bottom:1px solid var(--rule);vertical-align:top}
.planex thead th{font-size:.72rem;letter-spacing:.12em;text-transform:uppercase;color:var(--gold-deep);border-bottom:2px solid var(--gold)}
.planex td:last-child{text-align:right;white-space:nowrap;font-variant-numeric:tabular-nums;font-weight:600}
/* Long tile text wraps inside its box instead of running past the border */
.tile.wide .v{white-space:normal;overflow-wrap:break-word;text-wrap:balance;font-size:clamp(1rem,6cqi,1.2rem)}

.planstrip-links{display:flex;flex-wrap:wrap;gap:8px 22px}
.planstrip a{color:var(--navy);text-decoration:none}
.planstrip a:hover,.planstrip a:focus-visible{border-bottom-width:2px}

.planbox-act{display:grid;gap:10px;justify-items:center;flex:0 0 auto}
.planbox-act .more{color:var(--navy)}
/* home strip, one centered line */
.planstrip .wrap{justify-content:center;gap:8px 22px;text-align:center}
.planstrip-k{font-size:.72rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;background:var(--navy);color:var(--gold);padding:5px 10px}
.planstrip-t{font-weight:700}
/* payment schedule calculator */
.paycalc{gap:16px}
.pc-row{display:flex;flex-wrap:wrap;gap:8px}
.pc-chip{font:inherit;font-size:.82rem;font-weight:600;padding:8px 12px;border:1px solid var(--rule);background:var(--paper);color:var(--ink);cursor:pointer;min-height:40px}
.pc-chip.sm{padding:6px 12px;min-height:34px}
.pc-chip[aria-pressed="true"]{background:var(--navy);color:#fff;border-color:var(--navy)}
.pc-chip:hover{border-color:var(--gold)}
.pc-total{display:flex;justify-content:space-between;align-items:baseline;margin:0;border-bottom:1px solid var(--rule);padding-bottom:8px}
.pc-total span{font-size:.72rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-deep)}
.pc-total b{font-family:var(--serif);font-weight:400;font-size:1.6rem;color:var(--navy);font-variant-numeric:tabular-nums}
.pc-track{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:10px;position:relative}
.pc-track::before{content:"";position:absolute;left:12.5%;right:12.5%;top:17px;height:2px;background:linear-gradient(90deg,var(--navy),var(--gold))}
.pc-track li{display:grid;justify-items:center;align-content:start;text-align:center;gap:4px;position:relative;min-width:0}
.pc-dot{width:36px;height:36px;border-radius:50%;display:grid;place-items:center;background:var(--navy);color:#fff;font-weight:700;font-size:.9rem;box-shadow:0 0 0 4px var(--paper)}
.pc-dot.gold{background:var(--gold);color:var(--navy)}
.pc-amt{font-family:var(--serif);font-weight:400;font-size:1.25rem;color:var(--navy);font-variant-numeric:tabular-nums;margin-top:4px}
.pc-when{font-size:.78rem;font-weight:700;color:var(--gold-deep)}
.pc-what{font-size:.8rem;color:var(--muted);line-height:1.35}
@media (max-width:640px){
 .pc-track{grid-template-columns:1fr;gap:14px}
 .pc-track::before{left:17px;right:auto;top:18px;bottom:18px;width:2px;height:auto;background:linear-gradient(180deg,var(--navy),var(--gold))}
 .pc-track li{grid-template-columns:36px 1fr;justify-items:start;text-align:left;column-gap:14px;row-gap:0}
 .pc-dot{grid-row:span 3}
 .pc-amt{margin-top:0}
}
.paycalc .pc-row{justify-content:flex-start}
.pc-total{gap:16px}
.paycalc,.paycalc .note{text-align:left}
.pc-when{white-space:nowrap}
@media (max-width:640px){.paycalc .pc-row{justify-content:center}.paycalc .pc-total,.paycalc .pc-track{justify-self:stretch}}

/* calculator v2: tabs, progress meter, tap-to-pay preview */
.pc-solo .paycalc{max-width:none}
.pc-tabs{display:flex;border-bottom:2px solid var(--rule)}
.pc-tab{font:inherit;font-weight:700;font-size:.78rem;letter-spacing:.1em;text-transform:uppercase;background:none;border:0;border-bottom:3px solid transparent;margin-bottom:-2px;padding:10px 14px;color:var(--muted);cursor:pointer}
.pc-tab[aria-pressed="true"]{color:var(--navy);border-bottom-color:var(--gold)}
.pc-meter{display:grid;gap:6px}
.pc-bar{height:10px;background:var(--rule);border-radius:999px;overflow:hidden}
.pc-fill{display:block;height:100%;width:0;background:linear-gradient(90deg,var(--navy),var(--gold));border-radius:999px;transition:width .5s ease}
.paycalc.is-done .pc-fill{background:#2f7d4f}
.pc-status{margin:0;font-size:.86rem;color:var(--muted);display:flex;flex-wrap:wrap;gap:4px 8px;align-items:baseline}
.pc-status b{color:var(--navy);font-size:1rem;font-variant-numeric:tabular-nums}
.pc-msg{flex-basis:100%;font-weight:600;color:var(--gold-deep)}
.paycalc.is-done .pc-msg{color:#2f7d4f}
.pc-step{font:inherit;color:inherit;background:none;border:0;padding:4px 2px;cursor:pointer;display:grid;justify-items:center;align-content:start;gap:4px;width:100%;border-radius:8px}
.pc-step:hover .pc-dot{transform:scale(1.08)}
.pc-dot{transition:background .25s,transform .2s}
.pc-paid{display:none;font-size:.68rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:#fff;background:#2f7d4f;padding:2px 8px;border-radius:999px}
.pc-step.is-paid .pc-dot{background:#2f7d4f;color:#fff}
.pc-step.is-paid .pc-dot{font-size:0}
.pc-step.is-paid .pc-dot::after{content:"\2713";font-size:1rem}
.pc-step.is-paid .pc-paid{display:inline-block}
.pc-step.is-paid .pc-amt{color:#2f7d4f}
@media (max-width:640px){.pc-step{grid-template-columns:36px 1fr;justify-items:start;text-align:left;column-gap:14px;row-gap:0}.pc-step .pc-dot{grid-row:span 4}.pc-tabs{justify-content:center}.pc-tab{padding:10px 8px;font-size:.72rem}}
@media (prefers-reduced-motion:reduce){.pc-fill,.pc-dot{transition:none}}
@media (max-width:640px){.pc-track li{display:block}.pc-step{width:100%}}

/* Home hero: signature under the portrait (computer and tablet; the phone layout already shows it lower on the page) */
.phero.img .art .herosig{position:absolute;z-index:2;right:3.5%;bottom:4.5%;width:min(460px,35%);height:auto;object-fit:contain;animation:none;filter:drop-shadow(0 0 2px rgba(6,26,46,.95)) drop-shadow(0 2px 10px rgba(6,26,46,.95)) drop-shadow(0 0 22px rgba(6,26,46,.8))}
@media (max-width:820px){.phero.img .art .herosig{display:none}}

/* IAPP CIPP/US badge (Data Privacy and About pages) */
.credbadge{width:clamp(96px,11vw,128px);height:auto;margin-top:6px}