:root{--navy:#10273f;--navy2:#0a1b2c;--blue:#173a5e;--gold:#c9a35b;--gold2:#e0c88f;--cream:#f6f2e9;--ink:#162332;--muted:#65717d;--white:#fff;--line:#dfe3e4;--shadow:0 20px 55px rgba(8,28,46,.12)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);font-family:"DM Sans",Arial,sans-serif;line-height:1.65;background:#fff}img{max-width:100%;height:auto}a{color:inherit;text-decoration:none}h1,h2,h3,p{margin-top:0}h1,h2{font-family:"Libre Caslon Display",Georgia,serif;font-weight:400;line-height:1.08;letter-spacing:-.02em}h1{font-size:clamp(3rem,6vw,6.4rem)}h2{font-size:clamp(2.15rem,4vw,4rem)}h3{line-height:1.25}.shell{width:min(1180px,calc(100% - 40px));margin-inline:auto}.narrow{max-width:820px}.section{padding:100px 0}.eyebrow{font-size:.76rem;letter-spacing:.17em;font-weight:700;color:#a77d33;margin-bottom:18px}.eyebrow.light{color:var(--gold2)}.button{display:inline-flex;align-items:center;justify-content:center;min-height:52px;padding:0 25px;background:var(--white);color:var(--navy);border-radius:3px;font-weight:700;border:1px solid transparent;transition:.2s}.button:hover{transform:translateY(-2px);box-shadow:0 10px 30px rgba(0,0,0,.16)}.button.small{min-height:42px;padding:0 17px;background:var(--gold);color:var(--navy2)}.button.gold{background:var(--gold);color:var(--navy2)}.button.dark{background:var(--navy);color:#fff}.button.outline-light{color:#fff;background:transparent;border-color:rgba(255,255,255,.52)}.button-row{display:flex;align-items:center;gap:15px;flex-wrap:wrap}.text-link{font-weight:700;color:#9b762f;border-bottom:1px solid #cbb47f;padding-bottom:3px}.skip-link{position:absolute;left:-999px;top:0;background:#fff;padding:12px;z-index:999}.skip-link:focus{left:12px}.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.97);backdrop-filter:blur(12px);border-bottom:1px solid rgba(16,39,63,.09)}.header-inner{width:min(1280px,calc(100% - 34px));height:82px;margin:auto;display:flex;align-items:center;justify-content:space-between}.brand{display:flex;align-items:center;gap:11px;color:var(--navy)}.brand-mark{width:39px;height:39px;display:grid;place-items:center;background:var(--navy);border-radius:50%}.brand-mark svg{width:24px;fill:var(--gold)}.brand strong{display:block;font-family:"Libre Caslon Display",serif;font-size:1.08rem;line-height:1}.brand small{font-size:.65rem;letter-spacing:.24em;color:#8a6a31}.site-nav{display:flex;align-items:center;gap:25px;font-size:.88rem;font-weight:600}.site-nav>a:not(.button):hover{color:#a77d33}.nav-phone{border-left:1px solid var(--line);padding-left:24px}.menu-toggle{display:none}.hero{position:relative;overflow:hidden;background:linear-gradient(125deg,var(--navy2),var(--navy) 58%,#1c466d);color:#fff;min-height:730px}.hero-pattern{position:absolute;inset:0;background:radial-gradient(circle at 18% 12%,rgba(201,163,91,.13),transparent 32%),linear-gradient(115deg,transparent 65%,rgba(255,255,255,.035) 65%);opacity:.9}.hero-grid{position:relative;min-height:730px;display:grid;grid-template-columns:1.1fr .9fr;align-items:center}.hero-copy{padding:80px 0;position:relative;z-index:2}.hero h1{margin:0 0 28px;max-width:790px}.hero h1 em{font-style:italic;color:var(--gold2)}.hero-lead{font-size:1.2rem;max-width:640px;color:#d8e0e7;margin-bottom:35px}.hero-person{align-self:end;height:680px;position:relative;display:flex;align-items:flex-end;justify-content:center}.hero-person>img{position:relative;z-index:2;width:610px;max-width:none;filter:drop-shadow(0 20px 30px rgba(0,0,0,.25))}.portrait-glow{position:absolute;z-index:1;width:420px;height:420px;bottom:85px;border-radius:50%;background:rgba(201,163,91,.12);border:1px solid rgba(224,200,143,.24)}.agent-card{position:absolute;z-index:3;bottom:46px;left:0;background:#fff;color:var(--navy);padding:16px 23px;box-shadow:var(--shadow);border-left:4px solid var(--gold)}.agent-card strong,.agent-card span,.agent-card small{display:block}.agent-card span{font-size:.78rem;letter-spacing:.09em;text-transform:uppercase}.agent-card small{color:var(--muted)}.trust-row{display:flex;gap:25px;margin-top:40px;font-size:.78rem;color:#cbd5dd}.trust-row span:before{content:"✓";color:var(--gold2);margin-right:7px}.quick-actions{background:var(--cream);padding:0 0 80px}.cards{display:grid;gap:22px}.cards.three{grid-template-columns:repeat(3,1fr)}.quick-actions .cards{position:relative;top:-45px;z-index:4}.action-card{background:#fff;padding:38px 34px;box-shadow:var(--shadow);border-top:3px solid transparent;transition:.2s}.action-card:hover{transform:translateY(-5px);border-color:var(--gold)}.action-card>span,.post-card>span{font-size:.7rem;letter-spacing:.15em;color:#9b762f;font-weight:700}.action-card h2{font-size:1.85rem;margin:12px 0}.action-card p{color:var(--muted)}.action-card b{font-size:.85rem;color:#9b762f}.split{display:grid;grid-template-columns:1fr 1fr;gap:90px;align-items:start}.split h2{margin-bottom:0}.split>div:last-child{font-size:1.07rem;color:#4d5b69}.communities-block{background:var(--navy);color:#fff}.section-heading{display:flex;align-items:end;justify-content:space-between;gap:30px;margin-bottom:40px}.section-heading h2{max-width:760px;margin:0}.community-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:rgba(255,255,255,.18);border:1px solid rgba(255,255,255,.18)}.community-grid>a{min-height:230px;padding:30px;display:flex;flex-direction:column;justify-content:flex-end;background:linear-gradient(145deg,#173a5e,#10273f);transition:.2s}.community-grid>a:hover{background:#244f78}.community-grid span{font-size:.67rem;letter-spacing:.1em;color:var(--gold2)}.community-grid h3{font-family:"Libre Caslon Display",serif;font-size:2rem;margin:8px 0}.community-grid b{font-size:.78rem;color:var(--gold2)}.community-grid.light{background:var(--line);color:var(--ink);margin-bottom:35px}.community-grid.light>a{background:#fff}.community-grid.light>a:hover{background:var(--cream)}.community-grid.light p{font-size:.86rem;color:var(--muted)}.boundary-note{color:#bac6d0;font-size:.8rem;margin:25px 0 0}.advisor{background:var(--cream)}.advisor-grid{display:grid;grid-template-columns:.78fr 1.22fr;gap:85px;align-items:center}.advisor-photo{height:580px;display:flex;align-items:flex-end;justify-content:center;background:linear-gradient(150deg,#d9c9a4,#f5eee0);overflow:hidden;position:relative}.advisor-photo:before{content:"";position:absolute;width:320px;height:320px;border:1px solid rgba(16,39,63,.15);border-radius:50%;top:55px}.advisor-photo img{position:relative;z-index:1;width:610px;max-width:none}.advisor-grid p{color:#52606c;font-size:1.05rem}.signature{font-family:"Libre Caslon Display",serif;font-style:italic;font-size:2rem;color:var(--navy);margin-top:20px}.credentials{font-size:.82rem!important;text-transform:uppercase;letter-spacing:.1em}.lead-section{background:linear-gradient(135deg,#173a5e,var(--navy2));color:#fff}.lead-grid{display:grid;grid-template-columns:1fr 1fr;gap:70px;align-items:center}.lead-grid h2{margin-bottom:25px}.lead-grid>div>p{color:#cbd5dd}.check-list{padding:0;list-style:none}.check-list li{margin:12px 0}.check-list li:before{content:"✓";color:var(--gold2);font-weight:bold;margin-right:10px}.check-list.dark li:before{color:#987128}.lead-card{background:#fff;color:var(--ink);padding:34px;box-shadow:var(--shadow)}.lead-card.compact{position:sticky;top:105px}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}.lead-form label{display:block;font-size:.78rem;font-weight:700;margin-bottom:14px}.lead-form input:not([type=checkbox]),.lead-form textarea{display:block;width:100%;margin-top:6px;border:1px solid #cfd5d9;padding:12px 13px;font:inherit;background:#fff}.lead-form textarea{resize:vertical}.consent{display:flex!important;gap:8px;font-weight:400!important;color:#5f6a74}.consent input{margin-top:4px}.form-note{font-size:.72rem;color:#74808a;margin:10px 0 0}.form-success{padding:13px;background:#e8f5ec;color:#225c33;margin-bottom:16px}.trap{position:absolute!important;left:-9999px!important}.faq details{border-top:1px solid var(--line);padding:22px 0}.faq details:last-child{border-bottom:1px solid var(--line)}.faq summary{cursor:pointer;font-weight:700;font-size:1.05rem}.faq details p{color:var(--muted);padding-top:15px}.footer-cta{background:var(--blue);color:#fff;padding:62px 0}.footer-cta-inner{display:flex;justify-content:space-between;align-items:center;gap:40px}.footer-cta h2{font-size:2.6rem;margin:0}.site-footer{background:#081623;color:#b7c1ca;padding:70px 0 28px}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1.35fr .65fr;gap:50px}.footer-grid h3{color:#fff;font-size:.8rem;text-transform:uppercase;letter-spacing:.12em}.footer-grid a{display:block;margin:9px 0}.footer-brand{color:#fff}.footer-brand .brand-mark{background:var(--gold)}.footer-brand .brand-mark svg{fill:var(--navy)}.footer-grid>div:first-child p{max-width:420px;font-size:.88rem}.eho{display:flex;align-items:center;gap:10px;font-size:.7rem;text-transform:uppercase}.eho img{width:58px}.legal{border-top:1px solid rgba(255,255,255,.12);margin-top:55px;padding-top:24px;font-size:.7rem;color:#8d9aa5}.legal p{margin-bottom:8px}.legal a{color:#c7d0d8}.mobile-call{display:none}.page-hero{background:linear-gradient(135deg,var(--navy2),#173a5e);color:#fff;padding:105px 0 90px}.page-hero h1{font-size:clamp(3rem,5vw,5.3rem);margin:0 0 20px}.page-hero>div>p:last-child{font-size:1.15rem;max-width:700px;color:#ccd7df}.content-grid{display:grid;grid-template-columns:1.25fr .75fr;gap:80px;align-items:start}.content-grid article>p{font-size:1.08rem;color:#53616e}.content-grid article h2{font-size:2.8rem}.notice{padding:22px;background:var(--cream);border-left:4px solid var(--gold);margin-top:35px}.notice p{margin:6px 0 0}.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:15px;margin-top:35px}.steps>div{background:var(--cream);padding:20px}.steps b{display:grid;place-items:center;width:30px;height:30px;border-radius:50%;background:var(--gold);color:var(--navy)}.steps h3{margin:13px 0 5px}.steps p{font-size:.82rem}.about.advisor-grid{max-width:1050px}.contact-page a:not(.button){color:#9b762f;text-decoration:underline}.post-card{border:1px solid var(--line);padding:30px}.post-card h2{font-size:1.75rem;margin:12px 0}.post-card p{color:var(--muted)}.legal-copy h2{font-size:2.2rem;margin-top:40px}.legal-copy p{color:#56636f}
@media(max-width:1000px){.site-nav{position:absolute;display:none;top:82px;left:0;right:0;background:#fff;padding:25px;box-shadow:var(--shadow);flex-direction:column;align-items:stretch}.site-nav.open{display:flex}.menu-toggle{display:block;border:1px solid var(--line);background:#fff;padding:9px 13px}.nav-phone{border:0;padding:0}.hero-grid{grid-template-columns:1fr}.hero-copy{padding-bottom:10px}.hero-person{height:520px}.hero{min-height:auto}.cards.three,.community-grid{grid-template-columns:repeat(2,1fr)}.quick-actions .cards{top:30px}.quick-actions{padding-top:0}.split,.advisor-grid,.lead-grid,.content-grid{gap:45px}.footer-grid{grid-template-columns:repeat(2,1fr)}} 
@media(max-width:700px){.shell{width:min(100% - 28px,1180px)}.section{padding:70px 0}.header-inner{height:70px}.brand strong{font-size:.98rem}.site-nav{top:70px}.hero-copy{padding-top:65px}.hero h1{font-size:3.35rem}.hero-lead{font-size:1.04rem}.hero-person{height:430px}.hero-person>img{width:480px}.agent-card{bottom:20px}.trust-row{display:grid;gap:6px}.cards.three,.community-grid,.split,.advisor-grid,.lead-grid,.content-grid,.footer-grid{grid-template-columns:1fr}.quick-actions .cards{top:25px}.section-heading,.footer-cta-inner{align-items:flex-start;flex-direction:column}.community-grid>a{min-height:180px}.advisor-photo{height:460px}.lead-grid{gap:30px}.form-grid{grid-template-columns:1fr}.footer-grid{gap:28px}.steps{grid-template-columns:1fr}.mobile-call{display:block;position:fixed;z-index:40;left:14px;right:14px;bottom:12px;text-align:center;background:var(--gold);color:var(--navy);font-weight:700;padding:12px;box-shadow:0 8px 30px rgba(0,0,0,.25)}.site-footer{padding-bottom:80px}.page-hero{padding:75px 0}.advisor-grid.about .advisor-photo{order:2}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.button,.action-card{transition:none}}