/* ============================================================
   Bluestone Wealth and Retirement — Brand Stylesheet
   Palette per Marketing & Advertising Standards:
   Primary #1f3440 / Secondary #f3fafa / Accent #7fa4ac / Neutral #527182
   ============================================================ */

:root {
  --primary: #1f3440;
  --secondary: #f3fafa;
  --accent: #7fa4ac;
  --accent-teal: #aecbcf;
  --neutral: #527182;
  --ink: #223541;
  --hairline: rgba(31, 52, 64, 0.15);
  --font-display: 'Fraunces', Georgia, 'Times New Roman', serif;
  --font-logo: Georgia, 'Georgia Pro', 'Times New Roman', serif;
  --font-body: 'Source Sans 3', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  --max-width: 1120px;
  --content-inset-left: 90px;
}

* { box-sizing: border-box; }

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: var(--font-body);
  color: var(--ink);
  background: var(--secondary);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

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

a { color: var(--neutral); text-decoration: none; }
a:hover { color: var(--primary); }

.wrap {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 32px;
}

/* ---------- Logo wordmark (Georgia Pro Light, all caps,
   first letter two sizes larger, per brand standards) ---------- */
.logo {
  font-family: var(--font-logo);
  font-weight: 300;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--primary);
  font-size: 15px;
  line-height: 1.3;
  display: inline-flex;
  align-items: baseline;
  gap: 2px;
}
.logo .cap { font-size: 1.9em; line-height: 0.6; }
.logo .tagline {
  display: block;
  font-size: 10px;
  letter-spacing: 0.32em;
  color: var(--neutral);
  margin-top: 4px;
  text-transform: uppercase;
}

/* ---------- Homepage feature hero (brushstroke) ---------- */
.home-hero-feature {
  position: relative;
  min-height: clamp(420px, 65vh, 640px);
  background-color: var(--primary);
  background-image: url('images/hero-brushstroke.png');
  background-repeat: no-repeat;
  background-size: cover;
  background-position: left center;
  display: flex;
  flex-direction: column;
}
.home-feature-header {
  position: relative;
  z-index: 2;
  background: transparent;
  padding: 22px 0;
}
.home-feature-header__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 18px;
}
.logo--light {
  color: #f5f5f5;
}
.logo--light .tagline {
  color: var(--accent);
}
.home-feature-header nav.site a {
  color: #f5f5f5;
}
.home-feature-header nav.site a:hover,
.home-feature-header nav.site a.active {
  color: var(--accent);
  border-bottom-color: var(--accent);
}
.home-hero-feature__content {
  flex: 1;
  display: flex;
  align-items: center;
  padding: 32px 0 72px;
  position: relative;
  z-index: 1;
}
.home-hero-feature__content .wrap {
  max-width: 540px;
}
.home-hero-feature__content h1 {
  font-family: var(--font-display);
  font-weight: 400;
  font-size: clamp(28px, 4vw, 44px);
  color: #f5f5f5;
  margin: 0 0 16px;
  line-height: 1.2;
  max-width: 520px;
}
.home-hero-feature__content p {
  color: #f5f5f5;
  font-size: clamp(16px, 2vw, 18px);
  margin: 0;
  max-width: 480px;
  line-height: 1.6;
}
@media (max-width: 900px) {
  .home-hero-feature {
    background-position: left center;
    background-size: cover;
  }
}
@media (max-width: 600px) {
  .home-hero-feature {
    background-position: 0% center;
    background-size: auto 100%;
    min-height: 520px;
  }
  .home-hero-feature__content {
    align-items: flex-end;
    padding-bottom: 48px;
  }
}

/* ---------- Header / Nav ---------- */
.header-brand {
  background: #fff;
  min-height: 90px;
  display: flex;
  align-items: flex-start;
  padding: 24px 0 20px;
}
.header-brand .wrap {
  display: flex;
  justify-content: flex-start;
  width: 100%;
  padding-left: var(--content-inset-left);
  padding-right: 32px;
  margin: 0;
  max-width: none;
}
.header-brand .logo {
  display: block;
  line-height: 0;
}
.header-brand .logo-image {
  height: clamp(50px, 7.2vw, 68px);
  width: auto;
  max-width: 100%;
  display: block;
}
.header-nav-bar {
  background: var(--primary);
  padding: 22px 0;
}
.header-nav-bar .wrap {
  display: flex;
  align-items: center;
  justify-content: center;
  flex-wrap: wrap;
  gap: 18px;
}
nav.site > ul {
  list-style: none;
  display: flex;
  gap: 30px;
  margin: 0;
  padding: 0;
}
nav.site a {
  color: var(--secondary);
  font-size: 13px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  font-weight: 600;
  padding-bottom: 4px;
  border-bottom: 1px solid transparent;
}
nav.site a:hover,
nav.site a.active {
  color: var(--accent);
  border-bottom-color: var(--accent);
}
.nav-item--dropdown {
  position: relative;
}
.nav-item__trigger {
  display: inline-flex;
  align-items: center;
  gap: 8px;
}
.nav-item__trigger > a {
  display: inline-flex;
  align-items: center;
  gap: 6px;
}
.nav-caret {
  display: inline-block;
  width: 0;
  height: 0;
  border-left: 4px solid transparent;
  border-right: 4px solid transparent;
  border-top: 5px solid currentColor;
  transition: transform 0.2s ease;
}
.nav-submenu-toggle {
  display: none;
  align-items: center;
  justify-content: center;
  background: none;
  border: 1px solid rgba(243, 250, 250, 0.25);
  color: var(--secondary);
  width: 32px;
  height: 32px;
  padding: 0;
  cursor: pointer;
  flex-shrink: 0;
}
.nav-submenu-toggle .nav-caret {
  margin: 0;
}
.nav-submenu {
  list-style: none;
  margin: 0;
  padding: 0;
  display: none;
  flex-direction: column;
  position: absolute;
  top: 100%;
  left: 50%;
  transform: translateX(-50%);
  min-width: 230px;
  background: #223541;
  border: 1px solid rgba(243, 250, 250, 0.12);
  box-shadow: 0 8px 24px rgba(0, 0, 0, 0.22);
  padding: 10px 0;
  z-index: 100;
}
.nav-submenu a {
  display: block;
  padding: 10px 20px;
  border-bottom: none !important;
  letter-spacing: 0.08em;
  white-space: nowrap;
}
.nav-submenu a:hover,
.nav-submenu a.active {
  color: var(--accent);
  background: rgba(243, 250, 250, 0.06);
}
@media (min-width: 781px) {
  .nav-item--dropdown:hover .nav-submenu,
  .nav-item--dropdown:focus-within .nav-submenu {
    display: flex;
  }
  .nav-item--dropdown:hover .nav-caret,
  .nav-item--dropdown:focus-within .nav-caret {
    transform: rotate(180deg);
  }
}

/* ---------- Stacked-stone signature mark ---------- */
.stones {
  display: inline-flex;
  flex-direction: column;
  align-items: center;
  gap: 3px;
  margin: 0 0 18px;
}
.stones span {
  display: block;
  border-radius: 50%;
  background: var(--accent);
}
.stones span:nth-child(1) { width: 34px; height: 12px; }
.stones span:nth-child(2) { width: 24px; height: 10px; }
.stones span:nth-child(3) { width: 15px; height: 8px; background: var(--primary); }

/* ---------- Page title / heading conventions ---------- */
.page-title {
  font-family: var(--font-display);
  font-weight: 400;
  font-size: clamp(28px, 4vw, 40px);
  color: var(--primary);
  margin: 0 0 10px;
}
.rule {
  border: none;
  border-top: 1px solid var(--hairline);
  margin: 0 0 44px;
}
.eyebrow {
  font-size: 12px;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--accent);
  font-weight: 700;
  margin: 0 0 10px;
}

/* ---------- Hero (home) ---------- */
.hero {
  position: relative;
  height: 62vh;
  min-height: 420px;
  overflow: hidden;
}
.hero-slide {
  position: absolute;
  inset: 0;
  opacity: 0;
  visibility: hidden;
  pointer-events: none;
  z-index: 0;
}
.hero-slide.active {
  opacity: 1;
  visibility: visible;
  pointer-events: auto;
  z-index: 1;
  transition: opacity 1.4s ease;
}
.hero-slide img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}
.hero-slide--brushstroke img {
  object-position: left center;
}
@media (max-width: 600px) {
  .hero-slide--brushstroke img {
    object-position: 0% center;
  }
}
.hero-slide::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, rgba(31,52,64,0.15) 0%, rgba(31,52,64,0.55) 100%);
  z-index: 1;
  pointer-events: none;
}
.hero-caption {
  position: absolute;
  left: 0; right: 0; top: 0;
  padding: 48px 32px 0 var(--content-inset-left);
  color: var(--secondary);
  z-index: 2;
}
.hero-caption .wrap { padding: 0; max-width: var(--max-width); margin: 0; }
.hero-eyebrow {
  font-size: 12px;
  letter-spacing: 0.28em;
  text-transform: uppercase;
  color: var(--accent);
  font-weight: 700;
  margin: 0 0 8px;
}
.hero-caption h1 {
  font-family: var(--font-display);
  font-weight: 400;
  font-size: clamp(26px, 4vw, 42px);
  margin: 0 0 8px;
  max-width: 640px;
}
.hero-caption p {
  max-width: 560px;
  color: rgba(243,250,250,0.9);
  margin: 0;
}
.hero-dots {
  position: absolute;
  right: 32px;
  bottom: 40px;
  display: flex;
  gap: 8px;
  z-index: 3;
}
.hero-dots button {
  width: 9px; height: 9px;
  border-radius: 50%;
  border: 1px solid var(--secondary);
  background: transparent;
  cursor: pointer;
  padding: 0;
}
.hero-dots button.active { background: var(--accent); border-color: var(--accent); }

/* ---------- Intro / body copy blocks ---------- */
section.intro {
  padding: 64px 0 8px;
  text-align: center;
}
section.intro p {
  max-width: 760px;
  margin: 0 auto;
  font-size: 18px;
  color: var(--neutral);
}

main { padding-bottom: 40px; }
main .wrap { padding-top: 56px; }

/* ---------- Legacy callout card (homepage) ---------- */
.legacy-card {
  display: grid;
  grid-template-columns: 300px 1fr;
  gap: 0;
  border: 1px solid var(--hairline);
  background: #fff;
  margin: 56px 0;
}
.legacy-card img { height: 100%; object-fit: cover; }
.legacy-card .content {
  padding: 40px 44px;
  display: flex;
  flex-direction: column;
  justify-content: center;
}
.legacy-card h2 {
  font-family: var(--font-display);
  font-weight: 400;
  color: var(--primary);
  font-size: 26px;
  margin: 0 0 6px;
}
.legacy-card ul {
  margin: 14px 0 0;
  padding: 0;
  list-style: none;
  color: var(--neutral);
}
.legacy-card li {
  padding: 5px 0 5px 18px;
  position: relative;
  border-top: 1px solid var(--hairline);
}
.legacy-card li:first-child { border-top: none; }
.legacy-card li::before {
  content: "";
  position: absolute;
  left: 0; top: 14px;
  width: 6px; height: 6px;
  border-radius: 50%;
  background: var(--accent);
}
.legacy-card a.more {
  margin-top: 18px;
  font-size: 13px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  font-weight: 700;
  color: var(--primary);
}

@media (max-width: 720px) {
  .legacy-card { grid-template-columns: 1fr; }
  .legacy-card img { height: 220px; }
}

/* ---------- Generic content grid / lists ---------- */
.grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
  margin: 20px 0 48px;
}
@media (max-width: 800px) { .grid-3 { grid-template-columns: 1fr; } }

.card {
  background: #fff;
  border: 1px solid var(--hairline);
  padding: 30px 28px;
}
.card h3 {
  font-family: var(--font-display);
  font-weight: 400;
  color: var(--primary);
  font-size: 20px;
  margin: 0 0 12px;
}
.card ul { margin: 0; padding-left: 18px; color: var(--neutral); }
.card ul li { margin-bottom: 8px; }

.stress-list {
  columns: 2;
  column-gap: 40px;
  color: var(--neutral);
  padding-left: 20px;
  margin: 0 0 40px;
}
.stress-list li { break-inside: avoid; margin-bottom: 12px; }
@media (max-width: 720px) { .stress-list { columns: 1; } }

.pillars {
  display: flex;
  gap: 20px;
  margin: 40px 0;
  flex-wrap: wrap;
}
.pillars .pillar {
  flex: 1;
  min-width: 160px;
  text-align: center;
  padding: 26px 18px;
  background: #fff;
  border: 1px solid var(--hairline);
}
.pillars .pillar .num {
  font-family: var(--font-display);
  font-size: 30px;
  color: var(--accent);
  display: block;
  margin-bottom: 8px;
}

/* ---------- Media + text split (About, Services) ---------- */
.split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: center;
  margin: 20px 0 56px;
}
.split img { width: 100%; }
.split.reverse { direction: rtl; }
.split.reverse > * { direction: ltr; }
@media (max-width: 800px) {
  .split { grid-template-columns: 1fr; }
}

/* ---------- About / bio ---------- */
.bio {
  display: grid;
  grid-template-columns: 220px 1fr;
  gap: 40px;
  margin: 20px 0 40px;
}
.bio img { border-radius: 4px; }
.bio h2 {
  font-family: var(--font-display);
  font-weight: 400;
  color: var(--primary);
  margin: 0 0 4px;
  font-size: 24px;
}
.bio .credentials { color: var(--accent); font-weight: 700; letter-spacing: 0.04em; margin-bottom: 14px; font-size: 13px; text-transform: uppercase; }
.bio .contact-line { color: var(--neutral); font-size: 14px; margin-bottom: 4px; }
@media (max-width: 700px) { .bio { grid-template-columns: 1fr; } }

/* ---------- Value/process pyramid ---------- */
.process {
  display: flex;
  flex-direction: column;
  gap: 2px;
  max-width: 520px;
  margin: 8px auto 0;
}
.process div {
  background: var(--primary);
  color: var(--secondary);
  padding: 14px 24px;
  font-size: 14px;
  letter-spacing: 0.04em;
  text-align: center;
}
.process div:nth-child(1) { background: var(--accent); color: var(--primary); width: 60%; margin: 0 auto; }
.process div:nth-child(2) { width: 72%; margin: 0 auto; }
.process div:nth-child(3) { width: 84%; margin: 0 auto; }
.process div:nth-child(4) { width: 96%; margin: 0 auto; }
.process div:nth-child(5) { width: 100%; margin: 0 auto; }

.process-graphic {
  max-width: min(92vw, 720px);
  margin: 40px auto 72px;
  padding: 0 8px;
}
.process-graphic img {
  width: 100%;
  height: auto;
  display: block;
  margin: 0 auto;
}
@media (min-width: 781px) {
  .process-graphic {
    max-width: min(94vw, 1080px);
    margin: 48px auto 80px;
  }
}
@media (max-width: 480px) {
  .process-graphic {
    max-width: min(96vw, 340px);
    margin: 32px auto 56px;
  }
}

/* ---------- Affiliations strip ---------- */
.affiliations {
  border-top: 1px solid var(--hairline);
  margin-top: 60px;
  padding-top: 28px;
}
.affiliations .eyebrow { margin-bottom: 18px; }
.affiliations .badge {
  display: inline-flex;
  align-items: center;
  gap: 14px;
  color: var(--neutral);
  font-size: 12px;
  letter-spacing: 0.05em;
}
.affiliations .badge strong {
  display: block;
  color: var(--primary);
  font-family: var(--font-display);
  font-size: 16px;
  letter-spacing: 0.1em;
}
.affiliations .cfp-mark {
  width: 56px; height: 56px;
  border-radius: 50%;
  background: var(--primary);
  color: var(--secondary);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-display);
  font-size: 13px;
  letter-spacing: 0.02em;
  flex-shrink: 0;
}

/* ---------- Contact page ---------- */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  margin: 20px 0 40px;
}
@media (max-width: 800px) { .contact-grid { grid-template-columns: 1fr; } }
.contact-grid img { border-radius: 4px; }
.info-block { margin-bottom: 26px; }
.info-block h4 {
  text-transform: uppercase;
  letter-spacing: 0.1em;
  font-size: 12px;
  color: var(--accent);
  margin: 0 0 8px;
}
.info-block p { margin: 0; color: var(--neutral); }
.map-frame {
  border: 1px solid var(--hairline);
  height: 220px;
  margin-top: 10px;
}
.map-frame iframe { width: 100%; height: 100%; border: 0; }

form.quick-message { margin-top: 24px; }
form.quick-message label {
  display: block;
  font-size: 12px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--neutral);
  margin: 16px 0 6px;
}
form.quick-message input,
form.quick-message textarea {
  width: 100%;
  border: 1px solid var(--hairline);
  background: #fff;
  padding: 12px 14px;
  font-family: var(--font-body);
  font-size: 15px;
  color: var(--ink);
}
form.quick-message textarea { min-height: 110px; resize: vertical; }
form.quick-message button {
  margin-top: 20px;
  background: var(--primary);
  color: var(--secondary);
  border: none;
  padding: 13px 30px;
  font-size: 13px;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  cursor: pointer;
}
form.quick-message button:hover { background: var(--neutral); }

/* ---------- Footer ---------- */
footer.site {
  background: var(--primary);
  color: rgba(243,250,250,0.75);
  padding: 40px 0;
  margin-top: 60px;
}
footer.site .wrap {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 16px;
}
footer.site nav ul {
  list-style: none;
  display: flex;
  gap: 22px;
  margin: 0; padding: 0;
  flex-wrap: wrap;
}
footer.site a { color: rgba(243,250,250,0.75); font-size: 13px; }
footer.site a:hover { color: var(--accent); }
footer.site .copyright { font-size: 12px; }

/* ---------- Mobile nav toggle ---------- */
.nav-toggle { display: none; }
@media (max-width: 780px) {
  .header-nav-bar .wrap { justify-content: flex-end; }
  .home-feature-header__inner { justify-content: flex-end; }
  nav.site > ul { display: none; }
  .nav-toggle {
    display: inline-flex;
    background: none;
    border: 1px solid var(--accent);
    color: var(--secondary);
    padding: 8px 12px;
    font-size: 12px;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    cursor: pointer;
  }
  .home-feature-header .nav-toggle {
    color: #f5f5f5;
  }
  nav.site.open > ul {
    display: flex;
    flex-direction: column;
    gap: 14px;
    width: 100%;
    padding: 18px 0 0;
  }
  .nav-item--dropdown {
    width: 100%;
  }
  .nav-item__trigger {
    width: 100%;
    justify-content: space-between;
  }
  .nav-item__trigger > a .nav-caret {
    display: none;
  }
  .nav-submenu-toggle {
    display: inline-flex;
  }
  .nav-submenu {
    display: none;
    position: static;
    transform: none;
    box-shadow: none;
    border: none;
    background: transparent;
    padding: 8px 0 0 16px;
    width: 100%;
    min-width: 0;
  }
  .nav-item--dropdown.is-open .nav-submenu {
    display: flex;
  }
  .nav-item--dropdown.is-open .nav-submenu-toggle .nav-caret {
    transform: rotate(180deg);
  }
}

/* ---------- Homepage sections ---------- */
.mission-bridge {
  padding: 60px 0;
  text-align: center;
}
.mission-bridge__text {
  font-family: var(--font-display);
  font-style: italic;
  font-size: clamp(22px, 3.5vw, 32px);
  line-height: 1.45;
  color: var(--primary);
  max-width: 820px;
  margin: 0 auto;
}

.home-section {
  padding: 64px 0;
}
.section-label {
  font-size: 12px;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--accent);
  font-weight: 700;
  text-align: center;
  margin: 0 0 12px;
}
.section-label--light {
  color: var(--accent-teal);
  text-align: left;
}
.section-title {
  font-family: var(--font-display);
  font-weight: 400;
  font-size: clamp(26px, 3.5vw, 36px);
  color: var(--primary);
  text-align: center;
  margin: 0 0 40px;
  max-width: 720px;
  margin-inline: auto;
}
.section-title--left {
  text-align: left;
  margin-inline: 0;
  margin-bottom: 20px;
}

.serve-cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
.serve-card {
  background: #fff;
  border: 1px solid rgba(34, 53, 65, 0.12);
  box-shadow: 0 8px 24px rgba(34, 53, 65, 0.08);
  display: flex;
  flex-direction: column;
}
.serve-card__img {
  height: 180px;
  background: linear-gradient(135deg, rgba(127, 164, 172, 0.25) 0%, rgba(34, 53, 65, 0.08) 100%);
  border-bottom: 1px solid rgba(34, 53, 65, 0.08);
  overflow: hidden;
}
.serve-card__img img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}
.serve-card__accumulator-photo {
  object-fit: cover;
  object-position: top center;
}
.serve-card h3 {
  font-family: var(--font-display);
  font-weight: 500;
  font-size: 20px;
  color: var(--ink);
  margin: 0;
  padding: 24px 24px 0;
  text-align: center;
}
.serve-card p {
  color: var(--neutral);
  font-size: 15px;
  line-height: 1.65;
  margin: 0;
  padding: 12px 24px 0;
  flex: 1;
  text-align: justify;
  text-align-last: left;
  hyphens: auto;
}
.serve-card__link {
  display: inline-block;
  margin: 20px 24px 24px;
  font-size: 13px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  font-weight: 700;
  color: var(--ink);
}
.serve-card__link:hover {
  color: var(--accent);
}
@media (max-width: 800px) {
  .serve-cards { grid-template-columns: 1fr; }
}

.cta-band {
  background: var(--accent-teal);
  padding: 56px 0;
}
.cta-band__inner {
  text-align: center;
}
.cta-band__title {
  font-family: var(--font-display);
  font-weight: 400;
  font-size: clamp(24px, 3vw, 32px);
  color: var(--ink);
  margin: 0 0 24px;
}
.btn {
  display: inline-block;
  padding: 14px 32px;
  font-size: 13px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  font-weight: 700;
  text-decoration: none;
  border: none;
  cursor: pointer;
}
.btn--navy {
  background: var(--ink);
  color: var(--secondary);
}
.btn--navy:hover {
  background: var(--primary);
  color: var(--secondary);
}
.btn--teal {
  background: var(--accent-teal);
  color: var(--ink);
}
.btn--teal:hover {
  background: var(--secondary);
  color: var(--ink);
}

.value-split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: center;
}
.value-body {
  color: var(--neutral);
  font-size: 16px;
  line-height: 1.75;
  margin: 0 0 20px;
}
.text-link {
  font-size: 13px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  font-weight: 700;
  color: var(--ink);
}
.text-link:hover {
  color: var(--accent);
}
.value-split__graphic .process {
  margin: 0 auto;
}
@media (max-width: 800px) {
  .value-split { grid-template-columns: 1fr; }
}

.advisor-section {
  padding-bottom: 72px;
}
.advisor-feature {
  max-width: 640px;
  margin: 0 auto;
  text-align: center;
}
.advisor-feature__photo.avatar {
  width: 180px;
  height: 180px;
  border-radius: 4px;
  background: var(--primary);
  color: var(--secondary);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-display);
  font-size: 56px;
  margin: 0 auto 24px;
}
.advisor-feature__name {
  font-family: var(--font-display);
  font-weight: 400;
  font-size: 24px;
  color: var(--primary);
  margin: 0 0 6px;
}
.advisor-feature__role {
  color: var(--accent);
  font-weight: 700;
  letter-spacing: 0.04em;
  font-size: 13px;
  text-transform: uppercase;
  margin: 0 0 18px;
}
.advisor-feature__bio {
  color: var(--neutral);
  font-size: 16px;
  line-height: 1.75;
  margin: 0;
}

.contact-section {
  background: var(--ink);
  color: var(--secondary);
  padding: 64px 0 72px;
}
.contact-section__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: start;
}
.contact-section__title {
  font-family: var(--font-display);
  font-weight: 400;
  font-size: clamp(26px, 3vw, 34px);
  color: var(--secondary);
  margin: 0 0 24px;
}
.contact-form-honeypot {
  position: absolute;
  left: -9999px;
  width: 1px;
  height: 1px;
  overflow: hidden;
  opacity: 0;
  pointer-events: none;
}
.contact-form-honeypot input {
  position: absolute;
  left: -9999px;
}
#contact form.quick-message {
  position: relative;
}
.contact-form-success {
  color: var(--accent-teal);
  font-size: 18px;
  line-height: 1.6;
  margin: 0 0 8px;
}
.contact-form-error {
  color: #f5b8b8;
  font-size: 15px;
  line-height: 1.6;
  margin: 12px 0 0;
}
.info-block--light h4 {
  text-transform: uppercase;
  letter-spacing: 0.1em;
  font-size: 12px;
  color: var(--accent-teal);
  margin: 0 0 8px;
}
.info-block--light p {
  color: rgba(243, 250, 250, 0.85);
  margin: 0;
}
.quick-message--dark label {
  color: rgba(243, 250, 250, 0.75);
}
.quick-message--dark input,
.quick-message--dark textarea {
  background: rgba(255, 255, 255, 0.08);
  border-color: rgba(243, 250, 250, 0.2);
  color: var(--secondary);
}
.quick-message--dark input::placeholder,
.quick-message--dark textarea::placeholder {
  color: rgba(243, 250, 250, 0.45);
}
.quick-message--dark button {
  background: var(--accent-teal);
  color: var(--ink);
}
.quick-message--dark button:hover {
  background: var(--secondary);
}
@media (max-width: 800px) {
  .contact-section__grid { grid-template-columns: 1fr; }
}

main:has(.mission-bridge) {
  padding-bottom: 0;
}
main:has(.mission-bridge) .wrap {
  padding-top: 0;
}

/* ---------- Who We Serve audience pages ---------- */
main:has(.page-hero) .wrap {
  padding-top: 0;
}
.page-hero {
  background: #223541;
  color: var(--secondary);
  padding: 56px 0 64px;
}
.page-hero--retired {
  padding: 56px 0;
}
.page-hero__eyebrow {
  font-size: 12px;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--accent-teal);
  font-weight: 700;
  margin: 0 0 12px;
}
.page-hero__title {
  font-family: var(--font-display);
  font-weight: 400;
  font-size: clamp(28px, 4vw, 42px);
  margin: 0 0 16px;
  max-width: 720px;
}
.page-hero__subhead {
  font-size: 18px;
  line-height: 1.6;
  color: rgba(243, 250, 250, 0.88);
  max-width: 640px;
  margin: 0;
}
.page-hero__layout {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 32px;
  position: relative;
}
.page-hero__text {
  flex: 1;
  min-width: 0;
}
.page-hero__process-mark {
  width: 65px;
  height: auto;
  flex-shrink: 0;
  opacity: 0.9;
  margin-top: 2px;
}
.planning-categories {
  max-width: 820px;
  margin: 0 auto 56px;
}
.planning-category {
  display: grid;
  grid-template-columns: 48px 1fr;
  gap: 0 24px;
  align-items: start;
  padding: 28px 0;
  border-bottom: 1px solid var(--hairline);
}
.planning-category:first-child {
  padding-top: 0;
}
.planning-category:last-child {
  border-bottom: none;
  padding-bottom: 0;
}
.planning-category__num {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: var(--accent-teal);
  color: var(--ink);
  font-weight: 700;
  font-size: 15px;
  line-height: 1;
}
.planning-category__title {
  font-family: var(--font-display);
  font-weight: 500;
  font-size: clamp(18px, 2.2vw, 22px);
  color: var(--ink);
  margin: 0 0 8px;
}
.planning-category__body p {
  color: var(--neutral);
  font-size: 16px;
  line-height: 1.65;
  margin: 0;
}
@media (max-width: 640px) {
  .page-hero__layout {
    display: block;
    padding-right: 72px;
  }
  .page-hero__process-mark {
    position: absolute;
    top: 0;
    right: 32px;
    width: 60px;
    margin-top: 0;
  }
}
.audience-content {
  padding: 64px 0;
}
.content-block {
  max-width: 820px;
  margin: 0 auto 56px;
}
.content-block__heading {
  font-family: var(--font-display);
  font-weight: 500;
  font-size: clamp(20px, 2.5vw, 26px);
  color: var(--ink);
  margin: 0 0 20px;
}
.content-block__heading--left {
  text-align: left;
}

/* Retired page sections */
.section-eyebrow {
  font-size: 12px;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--accent-teal);
  font-weight: 700;
  margin: 0 0 12px;
}
.retired-book {
  padding: 48px 0;
}
.retired-book__layout {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: clamp(32px, 5vw, 56px);
  align-items: center;
  max-width: 880px;
  margin: 0 auto;
}
.retired-book__cover {
  width: 200px;
  max-width: 220px;
  height: auto;
  display: block;
  flex-shrink: 0;
  box-shadow: 0 8px 24px rgba(34, 53, 65, 0.14);
}
.retired-book__heading {
  font-family: var(--font-display);
  font-weight: 500;
  font-size: clamp(22px, 2.8vw, 28px);
  color: var(--ink);
  margin: 0 0 16px;
  line-height: 1.3;
}
.retired-book__body {
  color: var(--neutral);
  font-size: 16px;
  line-height: 1.75;
  margin: 0;
}
.retired-emoney {
  background: var(--secondary);
  padding: 56px 0;
}
.retired-emoney .emoney-intro__heading {
  font-family: var(--font-display);
  font-weight: 400;
  font-size: clamp(28px, 3.5vw, 38px);
  color: var(--ink);
  text-align: center;
  max-width: 760px;
  margin: 0 auto 20px;
  line-height: 1.25;
}
.retired-emoney .emoney-intro__subhead {
  font-size: 17px;
  line-height: 1.75;
  color: var(--neutral);
  max-width: 680px;
  margin: 0 auto 40px;
  text-align: center;
}
.retired-emoney .emoney-intro__media {
  max-width: 920px;
  margin: 0 auto;
}
.retired-emoney .emoney-intro__caption {
  font-size: 16px;
  line-height: 1.75;
  color: var(--neutral);
  font-style: italic;
  text-align: center;
  max-width: 680px;
  margin: 32px auto 0;
}
@media (max-width: 700px) {
  .retired-book__layout {
    grid-template-columns: 1fr;
    justify-items: center;
    text-align: center;
  }
  .retired-book__text {
    max-width: 560px;
  }
}

.content-block .split p {
  color: var(--neutral);
  font-size: 16px;
  line-height: 1.75;
  margin: 0;
}
.emoney-intro {
  text-align: center;
}
.emoney-intro .content-block__heading {
  font-weight: 400;
  font-size: clamp(24px, 3vw, 32px);
  text-align: center;
}
.emoney-intro .emoney-intro__subhead {
  font-size: 17px;
  line-height: 1.75;
  color: var(--neutral);
  max-width: 680px;
  margin: 0 auto 48px;
  text-align: center;
}
.emoney-intro .content-block__media {
  margin-bottom: 24px;
}
.content-block:last-child {
  margin-bottom: 0;
}
.content-block__media {
  margin-bottom: 24px;
}
.content-block__media img {
  width: 100%;
}
.content-block__media .process {
  max-width: 560px;
  margin: 0 auto;
}
.content-block p {
  color: var(--neutral);
  font-size: 16px;
  line-height: 1.75;
  margin: 0;
}
.content-placeholder {
  background: rgba(34, 53, 65, 0.06);
  border: 2px dashed rgba(34, 53, 65, 0.22);
  padding: 48px 32px;
  text-align: center;
  min-height: 220px;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 8px;
}
.content-placeholder__label {
  font-size: 12px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  font-weight: 700;
  color: var(--accent);
  margin: 0;
}
.content-placeholder__text {
  color: var(--neutral);
  font-size: 15px;
  line-height: 1.6;
  margin: 0;
  max-width: 480px;
}
.content-block__text--placeholder {
  text-align: center;
  font-style: italic;
}
.page-cta {
  background: var(--accent-teal);
  padding: 56px 0;
  text-align: center;
}
.page-cta--dark {
  background: #223541;
}
.page-cta--dark .page-cta__title {
  color: var(--secondary);
}
.page-cta__title {
  font-family: var(--font-display);
  font-weight: 400;
  font-size: clamp(22px, 3vw, 28px);
  color: var(--ink);
  margin: 0 0 24px;
}

/* ---------- Who We Serve audience pages: intro image + pull-quote ---------- */
.audience-intro {
  padding: 64px 0 0;
}
.audience-intro .wrap {
  max-width: 960px;
}
.audience-intro__media img {
  width: 100%;
  height: clamp(240px, 40vw, 420px);
  object-fit: cover;
  border-radius: 4px;
}
.audience-intro__quote {
  font-family: var(--font-display);
  font-style: italic;
  font-weight: 400;
  font-size: clamp(18px, 2.4vw, 20px);
  line-height: 1.7;
  color: var(--neutral);
  text-align: center;
  max-width: 680px;
  margin: 32px auto 0;
}
.audience-split-section {
  padding: 72px 0;
}
.audience-split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: clamp(32px, 5vw, 56px);
  align-items: center;
  max-width: 1080px;
  margin: 0 auto;
}
.audience-split__media img {
  width: 100%;
  height: clamp(220px, 30vw, 340px);
  object-fit: cover;
  border-radius: 4px;
}
.audience-split__heading {
  font-family: var(--font-display);
  font-weight: 500;
  font-size: clamp(22px, 2.8vw, 28px);
  color: var(--ink);
  margin: 0 0 16px;
  line-height: 1.3;
}
.audience-split__body {
  color: var(--neutral);
  font-size: 15px;
  line-height: 1.75;
  margin: 0 0 14px;
}
.audience-split__body:last-child {
  margin-bottom: 0;
}
.audience-split--reverse .audience-split__media {
  order: 2;
}
@media (max-width: 768px) {
  .audience-split {
    grid-template-columns: 1fr;
  }
  .audience-split--reverse .audience-split__media {
    order: 0;
  }
}

.emoney-frame {
  border: 1px solid rgba(34, 53, 65, 0.16);
  border-radius: 16px;
  box-shadow: 0 12px 40px rgba(34, 53, 65, 0.16);
  overflow: hidden;
  background: #fff;
  padding: 12px;
  max-width: 100%;
}
.emoney-frame img {
  width: 100%;
  height: auto;
  display: block;
  border-radius: 8px;
  border: 1px solid rgba(34, 53, 65, 0.08);
}

.planning-categories-grid > div {
  min-width: 0;
}
@media (max-width: 768px) {
  .planning-categories-grid {
    grid-template-columns: 1fr !important;
  }
  .planning-categories-grid > div {
    grid-column: 1 / -1 !important;
  }
}

.accumulator-hero-photo {
  width: 100%;
  height: 380px;
  object-fit: cover;
  object-position: 42% center;
  border-radius: 20px;
  display: block;
}
@media (max-width: 900px) {
  .accumulator-hero-photo {
    height: 300px;
    object-position: 40% center;
  }
}

/* Accumulator hero: text + photo side by side */
.accumulator-hero__layout {
  display: grid;
  grid-template-columns: 1fr minmax(300px, 46%);
  gap: clamp(32px, 5vw, 64px);
  align-items: center;
}
@media (max-width: 820px) {
  .accumulator-hero__layout {
    grid-template-columns: 1fr;
  }
  .accumulator-hero__layout .accumulator-hero-photo {
    height: 260px;
  }
}

/* Accumulator intro lead + accent lines */
.accumulator-lead {
  font-family: var(--font-display);
  font-weight: 500;
  font-size: clamp(22px, 2.6vw, 28px);
  line-height: 1.35;
  color: var(--ink);
  margin: 0 0 20px;
}
.accumulator-accent {
  font-family: var(--font-display);
  font-style: italic;
  font-size: clamp(18px, 2.2vw, 20px);
  line-height: 1.5;
  color: var(--accent);
  margin: 20px 0 0;
}

/* Accumulator "How We Work" steps */
.how-we-work {
  background: var(--secondary);
  padding: 72px 0;
}
.how-we-work__heading {
  font-family: var(--font-display);
  font-weight: 400;
  font-size: clamp(24px, 3vw, 32px);
  text-align: center;
  color: var(--ink);
  margin: 0 0 12px;
}
.how-we-work__subhead {
  text-align: center;
  font-size: 17px;
  line-height: 1.75;
  color: var(--neutral);
  margin: 0 auto 56px;
}
.how-we-work__grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 40px;
  max-width: 1000px;
  margin: 0 auto;
}
.how-we-work__step {
  text-align: center;
}
.how-we-work__num {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  background: var(--accent-teal);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
  font-family: var(--font-display);
  font-size: 20px;
  color: var(--ink);
}
.how-we-work__step h3 {
  font-family: var(--font-display);
  font-weight: 500;
  font-size: 20px;
  margin: 0 0 10px;
  color: var(--ink);
}
.how-we-work__step p {
  font-size: 15px;
  line-height: 1.6;
  color: var(--neutral);
  margin: 0;
}

/* Accumulator closing CTA lead line */
.page-cta__lead {
  font-family: var(--font-display);
  font-style: italic;
  font-size: clamp(17px, 2vw, 19px);
  line-height: 1.6;
  color: var(--ink);
  max-width: 720px;
  margin: 0 auto 24px;
}