/* Layout: classic single-column banker site; hairline navy rules, tables and columns instead of cards; one light theme by design */
:root{
  --paper:#FFFFFF;
  --stone:#F4F4F2;
  --ink:#1A1A1A;
  --muted:#5E6266;
  --navy:#0A1E29;
  --rule:#C9CDD0;
  --serif:"Times New Roman",Times,"Liberation Serif",Georgia,serif;
  --sans:Arial,"Helvetica Neue",Helvetica,"Liberation Sans",sans-serif;
  color-scheme:light;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
body{background:var(--paper);color:var(--ink);font-family:var(--sans);font-size:16px;line-height:1.6;margin:0}
a{color:var(--navy)}
a:focus-visible,button:focus-visible{outline:2px solid var(--navy);outline-offset:3px}
.wrap{max-width:1120px;margin:0 auto;padding-inline:24px}
@media (max-width:520px){.wrap{padding-inline:16px}}

/* Header */
header.site{position:sticky;top:env(safe-area-inset-top,0px);z-index:10;background:var(--paper);border-bottom:1px solid var(--rule)}
.bar{display:flex;align-items:center;justify-content:space-between;gap:24px;min-height:72px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--navy)}
.brand img{width:52px;height:auto;display:block}
.brand span{font-family:var(--serif);font-size:24px;letter-spacing:.08em}
nav.primary{display:flex;gap:22px;overflow-x:auto;min-width:0}
nav.primary a{font-size:14px;color:var(--ink);text-decoration:none;white-space:nowrap;padding-block:6px;border-bottom:1px solid transparent}
nav.primary a:hover{border-bottom-color:var(--navy)}
@media (max-width:820px){
  .bar{flex-direction:column;align-items:flex-start;gap:4px;padding-block:12px}
  nav.primary{gap:20px;width:100%}
}

/* Type */
h1,h2,h3{font-family:var(--serif);font-weight:400;color:var(--navy);text-wrap:balance;margin:0}
h1{font-size:clamp(34px,5vw,56px);line-height:1.08}
h2{font-size:clamp(28px,3.4vw,38px);line-height:1.15}
h3{font-size:22px;line-height:1.25}
p{margin:0}
.lede{font-family:var(--serif);font-size:clamp(19px,2vw,22px);line-height:1.5;color:var(--ink);max-width:62ch}
.prose{max-width:66ch;display:grid;gap:16px}
.small{font-size:13px;line-height:1.55;color:var(--muted)}

/* Sections */
section{padding-block:72px;border-top:1px solid var(--rule);scroll-margin-top:80px}
section.first{border-top:0}
.sec-head{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,2fr);gap:32px;margin-bottom:40px}
.sec-head .label{font-family:var(--serif);font-size:18px;color:var(--muted)}
@media (max-width:820px){.sec-head{grid-template-columns:1fr;gap:12px}}

/* Hero */
.hero{display:grid;grid-template-columns:minmax(0,3fr) minmax(0,2fr);gap:48px;align-items:center;padding-block:72px 80px}
.hero .intro{display:grid;gap:28px}
.hero figure{margin:0;justify-self:center}
.hero figure img{width:min(340px,100%);height:auto;display:block}
@media (max-width:820px){.hero{grid-template-columns:1fr;padding-block:40px 56px}.hero figure{order:-1;justify-self:start}.hero figure img{width:150px}}
.facts{display:flex;flex-wrap:wrap;gap:8px 32px;font-size:14px;color:var(--muted)}
.facts b{color:var(--ink);font-weight:400}

/* Businesses table */
.tablewrap{overflow-x:auto}
table.biz{width:100%;border-collapse:collapse;min-width:760px}
table.biz th{font-family:var(--sans);font-size:12px;font-weight:700;text-align:left;color:var(--muted);padding:0 16px 12px 0;border-bottom:1px solid var(--navy)}
table.biz td{vertical-align:top;padding:22px 16px 22px 0;border-bottom:1px solid var(--rule);font-size:15px}
table.biz td.num{font-family:var(--serif);font-size:20px;color:var(--navy);width:44px}
table.biz td.name{width:24%}
table.biz td.name strong{display:block;font-family:var(--serif);font-weight:400;font-size:21px;color:var(--navy);line-height:1.2}
table.biz td.name em{font-style:normal;font-size:13px;color:var(--muted)}
table.biz td.status{width:22%}
.st{display:inline-block;font-size:12px;line-height:1.3;padding:4px 8px;border:1px solid var(--rule);color:var(--muted)}
.st.live{border-color:var(--navy);color:var(--navy)}
.note{margin-top:24px;max-width:80ch}

/* Insurance */
.ins{display:grid;grid-template-columns:minmax(0,3fr) minmax(0,2fr);gap:48px}
@media (max-width:820px){.ins{grid-template-columns:1fr;gap:32px}}
dl.lines{margin:0;display:grid;gap:0}
dl.lines div{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,2fr);gap:16px;padding-block:16px;border-bottom:1px solid var(--rule)}
dl.lines div:first-child{border-top:1px solid var(--navy)}
dl.lines dt{font-family:var(--serif);font-size:19px;color:var(--navy);line-height:1.3}
dl.lines dd{margin:0;font-size:15px}
@media (max-width:520px){dl.lines div{grid-template-columns:1fr;gap:4px}}
.licence{background:var(--stone);padding:28px;display:grid;gap:14px;align-self:start}
.licence h3{font-size:20px}
.licence table{border-collapse:collapse;width:100%;font-size:14px}
.licence td{padding:7px 0;border-bottom:1px solid var(--rule);vertical-align:top}
.licence td:first-child{color:var(--muted);width:44%;padding-right:12px}
.licence td:last-child{font-variant-numeric:tabular-nums}
.lic-h{font-size:13px;font-weight:700;color:var(--ink);margin-top:6px}

/* Approach */
.cols3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:40px}
@media (max-width:820px){.cols3{grid-template-columns:1fr;gap:28px}}
.cols3 > div{display:grid;gap:10px;align-content:start;padding-top:16px;border-top:1px solid var(--navy)}
.cols3 ul{margin:0;padding-left:18px;font-size:15px;display:grid;gap:6px}
.principles{margin-top:56px;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:0 48px}
.principles div{padding-block:18px;border-bottom:1px solid var(--rule);display:grid;gap:4px}
.principles h3{font-size:19px}
.principles p{font-size:15px;color:var(--muted)}
@media (max-width:820px){.principles{grid-template-columns:1fr}}

/* Leadership */
.people{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:56px}
@media (max-width:900px){.people{grid-template-columns:1fr;gap:48px}}
.person{display:grid;grid-template-columns:150px minmax(0,1fr);gap:24px;align-items:start}
.person img{width:150px;height:150px;object-fit:cover;display:block;filter:grayscale(100%)}
.person .meta{display:grid;gap:4px;margin-bottom:14px}
.person .role{font-size:14px;color:var(--ink)}
.person .remit{font-size:13px;color:var(--muted)}
.person .bio{display:grid;gap:12px;font-size:15px}
.person .cred{font-size:13px;color:var(--muted);padding-top:10px;border-top:1px solid var(--rule)}
@media (max-width:520px){.person{grid-template-columns:1fr}.person img{width:120px;height:120px}}

/* Contact */
.contact{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,2fr);gap:32px}
@media (max-width:820px){.contact{grid-template-columns:1fr}}
.cgrid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:32px}
@media (max-width:820px){.cgrid{grid-template-columns:1fr;gap:20px}}
.cgrid div{display:grid;gap:6px;align-content:start}
.cgrid .k{font-size:13px;color:var(--muted)}
.cgrid .v{font-family:var(--serif);font-size:21px;color:var(--navy);user-select:all;overflow-wrap:anywhere}
.copy{justify-self:start;font:inherit;font-size:13px;background:none;border:1px solid var(--rule);color:var(--ink);padding:4px 10px;cursor:pointer}
.copy:hover{border-color:var(--navy)}

/* Disclosures */
.disc{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px 48px}
@media (max-width:820px){.disc{grid-template-columns:1fr}}
.disc p{font-size:13px;line-height:1.6;color:var(--muted)}
.disc p b{color:var(--ink);font-weight:700}

footer.site{border-top:1px solid var(--navy);padding-block:28px;font-size:13px;color:var(--muted)}
footer .row{display:flex;flex-wrap:wrap;justify-content:space-between;gap:12px}


/* Service boxes */
.hero{padding-block:56px 40px}
.hero figure img{width:min(220px,100%)}
@media (max-width:820px){.hero figure img{width:120px}}
.boxes{display:grid;grid-template-columns:repeat(6,minmax(0,1fr));gap:16px;padding-bottom:72px}
.box{grid-column:span 2;display:flex;flex-direction:column;gap:12px;min-width:0;padding:24px;border:1px solid var(--rule);background:var(--paper);color:var(--ink);text-decoration:none;transition:border-color .15s,box-shadow .15s,transform .15s}
.box:nth-child(n+4){grid-column:span 2}
.box:hover{border-color:var(--navy);box-shadow:0 6px 18px rgba(10,30,41,.08);transform:translateY(-2px)}
.box h2{font-size:24px;line-height:1.2}
.box p{font-size:15px;color:var(--muted);flex:1}
.box-logo{display:block;height:auto}
.box-logo.bw{width:150px}
.box-logo.alf{width:220px;max-width:100%}
.box-foot{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:8px;padding-top:12px;border-top:1px solid var(--rule)}
.go{font-size:13px;color:var(--navy)}
.go::after{content:" \2192"}
@media (max-width:900px){.boxes{grid-template-columns:repeat(2,minmax(0,1fr))}.box,.box:nth-child(n+4){grid-column:span 1}}
@media (max-width:560px){.boxes{grid-template-columns:1fr}.box,.box:nth-child(n+4),.box:last-child{grid-column:span 1}}
@media (prefers-reduced-motion:reduce){.box:hover{transform:none}}
dl.lines div.pc-head{align-items:center}
.pc-logo img{width:130px;height:auto;display:block}


@media (max-width:820px){section{scroll-margin-top:120px}.brand img{width:36px}.brand span{font-size:19px}}

/* Box colors: Rothswell navy, gold and ivory; American Legacy Fund indigo; Brightway steel */
.box{--bx-bg:var(--paper);--bx-fg:var(--ink);--bx-mute:var(--muted);--bx-head:var(--navy);--bx-acc:var(--navy);--bx-line:var(--rule);background:var(--bx-bg);border-top:4px solid var(--bx-acc)}
.box h2{color:var(--bx-head)}
.box p{color:var(--bx-mute)}
.box .go{color:var(--bx-acc)}
.box .box-foot{border-top-color:var(--bx-line)}
.box .st{border-color:var(--bx-line);color:var(--bx-mute)}
.box .st.live{border-color:var(--bx-acc);color:var(--bx-head)}
.box-wm{--bx-bg:#0A1E29;--bx-fg:#F5F3EE;--bx-mute:#C9CED2;--bx-head:#F5F3EE;--bx-acc:#C8AE7E;--bx-line:rgba(245,243,238,.25);border-color:#0A1E29}
.box-wm:hover{border-color:#C8AE7E}
.box-ria{--bx-bg:#F5F3EE;--bx-acc:#A98B57;--bx-line:#DDD6C8;border-color:#E6E0D3}
.box-pc{--bx-bg:#EEF2F6;--bx-acc:#0A1E29;--bx-line:#D3DBE3;border-color:#DCE3EA}
.box-life{--bx-bg:#F6F0E4;--bx-acc:#A98B57;--bx-head:#0A1E29;--bx-line:#E3D7C0;border-color:#EADFCB}
.box-alf{--bx-bg:#EFEEF7;--bx-acc:#1E1564;--bx-head:#1E1564;--bx-line:#D8D5EA;border-color:#DFDCEF}
.box-alf .box-logo,.box-ria .box-logo{mix-blend-mode:multiply}
.box-ib{--bx-bg:#1A1A1A;--bx-fg:#F5F3EE;--bx-mute:#C4C4C0;--bx-head:#F5F3EE;--bx-acc:#C8AE7E;--bx-line:rgba(245,243,238,.22);border-color:#1A1A1A}
.box-imm{--bx-bg:#F4F4F2;--bx-acc:#0A1E29;--bx-line:#DCDCD8;border-color:#E2E2DE}
.box-note{display:block;font-size:12px;line-height:1.5;color:var(--bx-mute);font-style:italic}
.box-logos{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px 14px;align-items:center;justify-items:center;background:#FFFFFF;border:1px solid var(--bx-line);padding:10px 12px}
.box-logos img{max-height:24px;max-width:100%;width:auto;height:auto;display:block}
.box-logos.four{grid-template-columns:repeat(4,minmax(0,1fr))}
.box-logos.four img{max-height:20px}
@media (max-width:560px){.box-logos,.box-logos.four{grid-template-columns:repeat(3,minmax(0,1fr))}}
.box:hover{border-color:var(--bx-acc)}
.boxes .box{border-top:4px solid var(--bx-acc)}
.box-ria .go,.box-life .go{color:#7E6434}


/* About us */
.about{display:grid;grid-template-columns:minmax(0,3fr) minmax(0,2fr);gap:48px;align-items:start}
@media (max-width:820px){.about{grid-template-columns:1fr;gap:32px}}
.about-facts{background:var(--stone);padding:24px 28px}
.about-facts table{border-collapse:collapse;width:100%;font-size:14px}
.about-facts td{padding:10px 0;border-bottom:1px solid var(--rule);vertical-align:top}
.about-facts tr:last-child td{border-bottom:0}
.about-facts td:first-child{color:var(--muted);width:34%;padding-right:12px}
.values{margin-top:48px;display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:32px}
@media (max-width:900px){.values{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:520px){.values{grid-template-columns:1fr}}
.values > div{display:grid;gap:8px;align-content:start;padding-top:16px;border-top:1px solid var(--navy)}
.values h3{font-size:20px}
.values p{font-size:15px;color:var(--muted)}


/* Insurer logo band */
.carriers{background:var(--stone)}
.carriers-head{display:grid;gap:8px;margin-bottom:28px;max-width:60ch}
.carriers-head .label{font-family:var(--serif);font-size:18px;color:var(--muted)}
.carriers h2{font-size:clamp(24px,2.8vw,32px)}
.logo-row{list-style:none;margin:0 0 20px;padding:22px 24px;display:flex;align-items:center;justify-content:space-between;gap:24px;background:var(--paper);border:1px solid var(--rule)}
.logo-row li{flex:1 1 0;min-width:0;display:flex;justify-content:center}
.logo-row img{max-height:34px;max-width:100%;width:auto;height:auto;display:block}
@media (max-width:900px){.logo-row{flex-wrap:wrap;justify-content:center;gap:22px 28px}.logo-row li{flex:0 0 calc(33.33% - 28px)}}

/* Interactive additions */
[hidden]{display:none!important}
nav.primary a[aria-current="true"],nav.primary a[aria-current="page"]{border-bottom-color:var(--navy);color:var(--navy)}
button{font-family:inherit}
.more{display:inline-block;justify-self:start;font-size:14px;color:var(--navy);text-decoration:none;border-bottom:1px solid var(--navy);padding-bottom:1px}
.more:hover{border-bottom-width:2px}

.finder{margin-top:56px;display:grid;grid-template-columns:minmax(0,1fr) minmax(0,2fr);gap:32px;padding-top:28px;border-top:1px solid var(--navy)}
@media (max-width:820px){.finder{grid-template-columns:1fr}}
.finder-q{display:grid;gap:10px;align-content:start}
.needs{display:grid;gap:6px;margin-top:8px}
.need{text-align:left;font-size:15px;background:var(--paper);color:var(--ink);border:1px solid var(--rule);padding:10px 14px;cursor:pointer;transition:border-color .15s,background .15s}
.need:hover{border-color:var(--navy)}
.need[aria-checked="true"]{background:var(--navy);border-color:var(--navy);color:var(--paper)}
.finder-a{background:var(--stone);padding:28px;display:grid;gap:16px;align-content:start}
.finder-a table{border-collapse:collapse;width:100%}
.finder-a td{padding:12px 0;border-bottom:1px solid var(--rule);vertical-align:top;font-size:15px}
.finder-a td:first-child{color:var(--muted);width:36%;padding-right:12px;font-size:14px}
#f-entity{font-family:var(--serif);font-size:21px;color:var(--navy)}
.finder-a.swap > *{animation:fade .25s ease}
@keyframes fade{from{opacity:.35}to{opacity:1}}

.explorer{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,2fr);gap:0;border-top:1px solid var(--navy)}
@media (max-width:820px){.explorer{grid-template-columns:1fr}}
.tabs{display:grid;align-content:start;border-right:1px solid var(--rule)}
@media (max-width:820px){.tabs{border-right:0;grid-template-columns:repeat(2,minmax(0,1fr))}}
.tabs button{display:flex;gap:16px;align-items:baseline;text-align:left;background:none;border:0;border-bottom:1px solid var(--rule);padding:20px 20px 20px 0;cursor:pointer;color:var(--ink);position:relative}
.tabs button .n{font-family:var(--serif);font-size:20px;color:var(--muted);width:28px;flex:none}
.tabs button strong{display:block;font-family:var(--serif);font-weight:400;font-size:21px;line-height:1.2;color:var(--muted)}
.tabs button em{font-style:normal;font-size:13px;color:var(--muted)}
.tabs button em.on{color:var(--navy)}
.tabs button:hover strong{color:var(--navy)}
.tabs button[aria-selected="true"] strong,.tabs button[aria-selected="true"] .n{color:var(--navy)}
.tabs button[aria-selected="true"]::after{content:"";position:absolute;right:-1px;top:0;bottom:0;width:2px;background:var(--navy)}
@media (max-width:820px){.tabs button{padding:14px 8px 14px 0}.tabs button strong{font-size:17px}.tabs button[aria-selected="true"]::after{right:auto;left:0;top:auto;bottom:-1px;width:100%;height:2px}}
.panel{padding:28px 0 28px 40px;display:grid;gap:18px;align-content:start;max-width:72ch;animation:fade .3s ease}
@media (max-width:820px){.panel{padding:24px 0 8px}}
.panel .entity{font-size:13px;color:var(--muted)}
.panel h3{font-size:28px}
.alf-logo{width:min(300px,80%);height:auto;display:block}
table.kv{border-collapse:collapse;width:100%}
table.kv td{padding:11px 0;border-bottom:1px solid var(--rule);vertical-align:top;font-size:15px}
table.kv tr:first-child td{border-top:1px solid var(--rule)}
table.kv td:first-child{width:30%;color:var(--muted);font-size:14px;padding-right:12px}

.filter{display:flex;flex-wrap:wrap;gap:8px}
.chip{font-size:13px;background:var(--paper);border:1px solid var(--rule);color:var(--ink);padding:6px 12px;cursor:pointer}
.chip:hover{border-color:var(--navy)}
.chip[aria-pressed="true"]{background:var(--navy);border-color:var(--navy);color:var(--paper)}
dl.lines div{transition:opacity .2s}
dl.lines div.dim{opacity:.28}

.extra{display:grid;gap:12px}
.toggle{justify-self:start;background:none;border:0;border-bottom:1px solid var(--navy);padding:0 0 1px;font-size:14px;color:var(--navy);cursor:pointer}

.disc{display:block;columns:2;column-gap:48px}
@media (max-width:820px){.disc{columns:1}}
.disc details{break-inside:avoid;border-bottom:1px solid var(--rule);padding-block:4px}
.disc summary{cursor:pointer;list-style:none;padding:12px 24px 12px 0;font-size:14px;font-weight:700;color:var(--ink);position:relative}
.disc summary::-webkit-details-marker{display:none}
.disc summary::after{content:"+";position:absolute;right:0;top:9px;font-family:var(--serif);font-size:20px;font-weight:400;color:var(--navy)}
.disc details[open] summary::after{content:"\2212"}
.disc details p{padding-bottom:14px}
.disc .all{margin-bottom:12px}

.flogos{display:flex;align-items:center;gap:20px}
.flogos img{height:34px;width:auto;display:block}
.flogos img + img{height:28px}

.totop{position:fixed;right:16px;bottom:calc(16px + env(safe-area-inset-bottom,0px));background:var(--navy);color:var(--paper);border:0;font-size:13px;padding:10px 14px;cursor:pointer;opacity:0;pointer-events:none;transition:opacity .2s}
.totop.show{opacity:1;pointer-events:auto}
@media (prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important}}
.partners{background:#F4F4F2}
.partners .spgrid.three{grid-template-columns:repeat(3,minmax(0,1fr))}
@media (max-width:820px){.partners .spgrid.three{grid-template-columns:1fr}}
.pt-card{text-decoration:none;color:inherit;transition:transform .2s,box-shadow .2s}
.pt-card:hover{transform:translateY(-3px);box-shadow:0 10px 24px rgba(10,30,41,.10)}
.pt-sub{margin-top:28px;font-family:var(--serif);font-size:18px;color:#A98B57}
.pt-alf{margin-top:12px}
.partners .small{margin-top:20px}
.pc-band{background:var(--paper)}
nav.primary a.nv-ind,nav.primary a.nv-bus,nav.primary a.nv-life,nav.primary a.nv-val,nav.primary a.nv-hf{font-weight:700}
nav.primary{align-items:center}
nav.primary a.two{line-height:1.2;text-align:center}
.partners .spgrid.five{grid-template-columns:repeat(5,minmax(0,1fr))}
.partners .spgrid.five .sp-logo-box img{max-width:100%;max-height:44px}
@media (max-width:1000px){.partners .spgrid.five{grid-template-columns:repeat(3,minmax(0,1fr))}}
@media (max-width:640px){.partners .spgrid.five{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:420px){.partners .spgrid.five{grid-template-columns:1fr}}

/* Businesses explorer (redesigned) */
.bx-sec{background:#F7F5F0}
.bx-label{font-family:var(--serif);font-size:24px;color:var(--navy);margin-bottom:22px}
.bx-explorer{border-top:0;gap:28px;grid-template-columns:minmax(0,1fr) minmax(0,2.1fr)}
.bx-explorer .tabs{border-right:0;gap:10px}
.bx-explorer .tabs button{background:#fff;border:1px solid var(--rule);border-radius:6px;padding:16px 18px;align-items:center;transition:transform .2s,box-shadow .2s,border-color .2s}
.bx-explorer .tabs button:hover{transform:translateX(3px);border-color:#C8AE7E}
.bx-explorer .tabs button .n{width:34px;height:34px;border-radius:50%;display:grid;place-items:center;font-size:15px;border:1px solid var(--rule);color:var(--muted)}
.bx-explorer .tabs button strong{font-size:19px}
.bx-explorer .tabs button[aria-selected="true"]{background:#0A1E29;border-color:#0A1E29;box-shadow:0 10px 24px rgba(10,30,41,.18)}
.bx-explorer .tabs button[aria-selected="true"] strong{color:#F5F3EE}
.bx-explorer .tabs button[aria-selected="true"] em{color:#C8AE7E}
.bx-explorer .tabs button[aria-selected="true"] .n{background:#C8AE7E;border-color:#C8AE7E;color:#0A1E29}
.bx-explorer .tabs button[aria-selected="true"]::after{display:none}
@media (max-width:820px){.bx-explorer .tabs{grid-template-columns:1fr}}
.bx-panel{padding:0;max-width:none;background:#fff;border:1px solid var(--rule);border-radius:6px;overflow:hidden;gap:0}
.bx-img{margin:0;position:relative}
.bx-img img{display:block;width:100%;height:240px;object-fit:cover}
.bx-img figcaption{position:absolute;left:0;right:0;bottom:0;padding:28px 24px 14px;background:linear-gradient(0deg,rgba(10,30,41,.85),rgba(10,30,41,0));color:#F5F3EE;font-size:13px;letter-spacing:.03em}
.bx-body{padding:24px 28px 28px;display:grid;gap:14px}
.bx-body h3{font-size:28px}
.bx-body > p{color:var(--muted)}
.bx-go{justify-self:start;display:inline-block;padding:10px 18px;background:#0A1E29;color:#F5F3EE;text-decoration:none;font-size:14px;border-radius:2px}
.bx-go:hover{background:#1c3442}
.bx-ib{margin-top:22px;display:flex;flex-wrap:wrap;gap:16px 32px;align-items:center;justify-content:space-between;background:#1A1A1A;color:#F5F3EE;border-radius:6px;padding:20px 24px}
.bx-ib > div{display:grid;gap:4px;max-width:80ch}
.bx-ib-k{font-family:var(--serif);font-size:20px;color:#C8AE7E}
.bx-ib p{font-size:14px;color:#D6D6D2}
.bx-ib strong{color:#fff}
.bx-ib .bx-go{background:#C8AE7E;color:#0A1E29}

/* Service boxes: one palette, collapsed by default */
.boxes .box,.boxes .box-wm,.boxes .box-pc,.boxes .box-life,.boxes .box-alf,.boxes .box-ib,.boxes .box-imm{--bx-bg:#fff;--bx-fg:var(--ink);--bx-mute:var(--muted);--bx-head:#0A1E29;--bx-acc:#C8AE7E;--bx-line:var(--rule);background:#fff;border:1px solid var(--rule);border-top:3px solid #C8AE7E}
.boxes .box{gap:10px;padding:22px 22px 18px}
.boxes .box h2{font-size:22px}
.box-short{font-size:15px;color:var(--muted);flex:1}
.box-more{display:grid;gap:10px;max-height:0;overflow:hidden;opacity:0;transition:max-height .35s ease,opacity .25s ease}
.box-txt{font-size:14px;color:var(--muted)}
.boxes .box.open .box-more{max-height:420px;opacity:1}
@media (hover:hover) and (pointer:fine){.boxes .box:hover .box-more,.boxes .box:focus-visible .box-more{max-height:420px;opacity:1}}
.boxes .box:hover{border-color:#0A1E29;border-top-color:#C8AE7E}
.boxes .box .go{color:#7E6434}
.boxes .box-alf .box-logo{mix-blend-mode:multiply;width:180px}
@media (max-width:820px){.hero figure{display:none}}

/* Unified section headings (left aligned, high contrast) */
.sec-head,.carriers-head{display:grid;grid-template-columns:1fr;gap:10px;justify-items:start;text-align:left;max-width:none;margin-bottom:32px}
.sec-head::before,.carriers-head::before{content:"";display:block;width:48px;height:3px;background:#C8AE7E;margin-bottom:6px}
.sec-head .label,.carriers-head .label{font-family:var(--sans);font-size:13px;letter-spacing:.08em;text-transform:uppercase;color:#7E6434;font-weight:700}
.sec-head h2,.carriers-head h2{font-size:clamp(28px,3.4vw,40px);color:#0A1E29;max-width:30ch;line-height:1.15}

@media (max-width:820px){
  .bx-explorer{grid-template-columns:1fr;gap:16px}
  .bx-explorer .tabs{display:flex;overflow-x:auto;gap:8px;padding-bottom:6px;scroll-snap-type:x mandatory}
  .bx-explorer .tabs button{flex:0 0 auto;scroll-snap-align:start;padding:10px 14px;gap:10px}
  .bx-explorer .tabs button strong{font-size:16px;white-space:nowrap}
  .bx-explorer .tabs button em{white-space:nowrap}
  .bx-explorer .tabs button .n{width:28px;height:28px;font-size:13px}
  .bx-img img{height:180px}
  .bx-body{padding:18px}
  .bx-body h3{font-size:23px}
  .bx-body table.kv td:first-child{width:34%}
}

/* ---------- Service sub-pages ---------- */
.crumbs{font-size:13px;color:var(--muted);padding-top:28px}
.crumbs a{color:var(--muted)}
.sp-hero{background:var(--bx-bg);border-top:4px solid var(--bx-acc);margin-top:20px}
.sp-hero .wrap{padding-block:48px 52px;display:grid;gap:18px}
.sp-hero h1{color:var(--bx-head);font-size:clamp(32px,4.4vw,50px)}
.sp-hero .tag{font-family:var(--serif);font-size:clamp(19px,2vw,23px);color:var(--bx-head)}
.sp-hero p.intro{max-width:66ch;color:var(--bx-mute);font-size:16px}
.sp-hero .st{border-color:var(--bx-line);color:var(--bx-mute);justify-self:start}
.sp-hero .st.live{border-color:var(--bx-acc);color:var(--bx-head)}
.sp-hero .sp-logo{display:block;height:auto}
.sp-hero .sp-logo.bw{width:180px}
.sp-hero .sp-logo.alf{width:min(320px,80%);mix-blend-mode:multiply}
.sp-hero.box-wm .wrap,.sp-hero.box-ib .wrap{color:var(--bx-fg)}
section.sp{padding-block:56px}
.sp-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,2fr);gap:32px}
@media (max-width:820px){.sp-grid{grid-template-columns:1fr;gap:16px}}
.sp-grid .label{font-family:var(--serif);font-size:20px;color:var(--navy)}
.steps{list-style:none;margin:0;padding:0;display:grid;gap:0;counter-reset:st}
.steps li{display:grid;grid-template-columns:44px minmax(0,1fr);gap:12px;padding-block:16px;border-bottom:1px solid var(--rule);counter-increment:st}
.steps li:first-child{border-top:1px solid var(--navy)}
.steps li::before{content:counter(st);font-family:var(--serif);font-size:22px;color:var(--navy);line-height:1.2}
.steps h3{font-size:19px;margin-bottom:4px}
.steps p{font-size:15px;color:var(--muted)}
.sp-note{font-size:13px;line-height:1.6;color:var(--muted);max-width:90ch;font-style:italic}
.sp-cta{background:var(--stone)}
.sp-cta-in{padding-block:48px;display:grid;grid-template-columns:minmax(0,1fr) minmax(0,2fr);gap:32px}
@media (max-width:820px){.sp-cta-in{grid-template-columns:1fr}}
.sp-cta h2{font-size:28px;margin-bottom:8px}
.others{display:flex;flex-wrap:wrap;gap:8px}
.others a{font-size:14px;text-decoration:none;color:var(--ink);border:1px solid var(--rule);padding:8px 14px;background:var(--paper)}
.others a:hover{border-color:var(--navy);color:var(--navy)}
.back{display:inline-block;font-size:14px;color:var(--navy)}
.carriers-top .wrap{padding-block:0}
section.carriers-top{padding-block:36px 28px;border-top:0}
.carriers-top .carriers-head{margin-bottom:18px}
.carriers-top h2{font-size:clamp(20px,2.2vw,26px)}
.pledge{background:var(--navy);color:#F5F3EE;border-top:0}
.pledge-in{padding-block:72px;display:grid;gap:28px}
.pledge-k{font-size:13px;color:#C8AE7E;letter-spacing:.04em}
.pledge-q{font-family:var(--serif);font-size:clamp(30px,4.6vw,54px);line-height:1.12;color:#F5F3EE;max-width:30ch;text-wrap:balance}
.pledge-pts{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:32px;margin-top:12px}
@media (max-width:820px){.pledge-pts{grid-template-columns:1fr;gap:20px}}
.pledge-pts > div{border-top:1px solid rgba(245,243,238,.3);padding-top:14px;display:grid;gap:6px}
.pledge-pts h3{color:#C8AE7E;font-size:20px}
.pledge-pts p{color:#D6DADD;font-size:15px}

/* American Legacy Fund page */
.sm-lead{color:var(--muted);max-width:60ch}
.stack-wrap{margin-top:40px;overflow-x:auto}
.stack{width:100%;max-width:840px;height:auto;display:block}
.themes{margin-top:28px;display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:20px}
@media (max-width:1000px){.themes{grid-template-columns:repeat(3,minmax(0,1fr))}}
@media (max-width:640px){.themes{grid-template-columns:1fr}}
.theme{background:#EFEEF7;border-top:3px solid #1E1564;padding:22px 20px;display:grid;gap:10px;align-content:start}
.theme .ti{width:44px;height:44px;color:#1E1564;display:block}
.theme .ti svg{width:100%;height:100%;display:block}
.theme h3{font-size:19px;color:#1E1564}
.theme p{font-size:14px;color:var(--muted)}
.investor-tease{background:#1E1564;border-top:0}
.it-in{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:24px}
.it-in h2{color:#F5F3EE;font-size:28px;margin-bottom:8px}
.it-in p{color:#D8D6EA;max-width:62ch}
.it-btn{display:inline-block;background:#F5F3EE;color:#1E1564;text-decoration:none;font-size:15px;padding:12px 22px;border:1px solid #F5F3EE}
.it-btn:hover{background:transparent;color:#F5F3EE}
.mkts{margin-top:24px;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}
@media (max-width:760px){.mkts{grid-template-columns:1fr}}
.mkt{border:1px solid var(--rule);border-left:4px solid #1E1564;padding:22px 24px;display:grid;gap:6px;background:var(--paper)}
.mkt-city{font-size:12px;color:#A98B57;letter-spacing:.04em}
.mkt-name{font-family:var(--serif);font-size:24px;color:#1E1564;line-height:1.15}
.mkt-role{font-size:14px;color:var(--muted)}
/* Fund manager */
.fm .label{font-family:var(--serif);font-size:20px;color:#1E1564;margin-bottom:24px}
.fm-top{display:grid;grid-template-columns:240px minmax(0,1fr);gap:40px;align-items:start}
@media (max-width:760px){.fm-top{grid-template-columns:1fr;gap:20px}}
.fm-photo{width:240px;height:240px;object-fit:cover;display:block;border-bottom:4px solid #1E1564}
@media (max-width:760px){.fm-photo{width:160px;height:160px}}
.fm-id{display:grid;gap:8px}
.fm-id h2{font-size:clamp(32px,4vw,44px);color:#1E1564}
.fm-role{font-family:var(--serif);font-size:21px;color:var(--ink)}
.fm-org{font-size:14px;color:#A98B57}
.fm-bio{max-width:68ch;margin-top:8px}
.fm-chips{display:flex;flex-wrap:wrap;gap:8px;margin-top:8px}
.chip-l{font-size:13px;border:1px solid #1E1564;color:#1E1564;padding:5px 10px;background:#EFEEF7}
.fm-grid{margin-top:48px;display:grid;grid-template-columns:minmax(0,3fr) minmax(0,2fr);gap:40px}
@media (max-width:900px){.fm-grid{grid-template-columns:1fr}}
.fm-grid h3{font-size:22px;color:#1E1564;margin-bottom:14px}
.tl{list-style:none;margin:0;padding:0;border-left:2px solid #D8D5EA}
.tl li{position:relative;display:grid;grid-template-columns:120px minmax(0,1fr);gap:16px;padding:0 0 20px 22px}
.tl li::before{content:"";position:absolute;left:-7px;top:4px;width:12px;height:12px;border-radius:50%;background:#1E1564;border:2px solid #FFFFFF}
@media (max-width:560px){.tl li{grid-template-columns:1fr;gap:2px}}
.tl-y{font-size:13px;color:#A98B57;padding-top:2px}
.tl h4{margin:0 0 4px;font-family:var(--serif);font-weight:400;font-size:18px;color:var(--ink)}
.tl p{font-size:14px;color:var(--muted)}
.fm-side{display:grid;gap:16px;align-content:start}
.fm-card{background:#EFEEF7;padding:20px 22px;display:grid;gap:8px}
.fm-card h3{margin-bottom:2px}
.lic{font-size:15px}
.boards{display:grid;gap:10px}
.boards h4{margin:0 0 2px;font-family:var(--serif);font-weight:400;font-size:17px}
.boards p{font-size:13px;color:var(--muted)}
.tfg{background:#F4F4F2}
.spgrid{margin-top:24px;display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:18px}
@media (max-width:1000px){.spgrid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:560px){.spgrid{grid-template-columns:1fr}}
.spcard{background:var(--paper);border:1px solid var(--rule);border-top:3px solid #1E1564;padding:20px;display:grid;gap:8px;align-content:start}
.sp-logo-box{height:64px;display:flex;align-items:center;margin-bottom:6px}
.sp-logo-box img{max-height:48px;max-width:180px;width:auto;height:auto;display:block}
.sp-role{font-size:12px;color:#A98B57;letter-spacing:.04em}
.spcard h3{font-size:20px;color:#1E1564}
.spcard p{font-size:14px;color:var(--muted)}
.tfg-in{display:flex;flex-wrap:wrap;align-items:center;gap:32px}
.tfg-in img{width:220px;height:auto;display:block}
.tfg-in h3{font-size:22px;margin-bottom:6px}
.tfg-in p{max-width:62ch;color:var(--muted)}
/* Investor sign-in placeholder */
.signin{max-width:440px;margin:56px auto;padding:32px;border:1px solid var(--rule);border-top:4px solid #1E1564;display:grid;gap:14px;background:var(--paper)}
.signin h1{font-size:30px;color:#1E1564}
.signin label{font-size:13px;color:var(--muted);display:grid;gap:6px}
.signin input{font:inherit;padding:10px 12px;border:1px solid var(--rule);background:#F7F7F5;color:var(--muted)}
.signin button{font:inherit;padding:11px;border:0;background:#C9CDD0;color:#5E6266;cursor:not-allowed}
/* Hedge Fund page: mobile formatting and section separation */
@media (max-width:760px){
  body:has(.alf-thesis) main > section.sp{padding-block:40px;border-top:0}
  body:has(.alf-thesis) main > section.sp:nth-of-type(even){background:#F4F3FA}
  body:has(.alf-thesis) main > section.sp > .wrap > .sp-grid > .label,
  body:has(.alf-thesis) main > section.sp > .wrap > .label{display:block;font-size:13px;letter-spacing:.08em;text-transform:uppercase;font-family:var(--sans);font-weight:700;color:#7E6434;padding-top:12px;border-top:3px solid #C8AE7E;width:max-content}
  .themes{grid-template-columns:1fr 1fr;gap:10px}
  .theme{padding:16px 14px;gap:6px}
  .theme .ti{width:32px;height:32px}
  .theme h3{font-size:16px}
  .theme p{font-size:13px}
  .stack{min-width:560px}
  .stack-wrap{margin-inline:-16px;padding-inline:16px}
  .spgrid{grid-template-columns:1fr 1fr;gap:10px}
  .spcard{padding:14px}
  .spcard h3{font-size:16px}
  .spcard p{font-size:13px}
  .sp-logo-box{height:44px}
  .sp-logo-box img{max-height:32px;max-width:100%}
  .fm-photo{width:140px!important;height:auto}
}
@media (max-width:380px){.themes,.spgrid{grid-template-columns:1fr}}


/* Wealth Management & RIA page */
[hidden]{display:none!important}
.sp-hero.photo{position:relative;background:#0A1E29;overflow:hidden;border-top:0}
.sp-hero.photo .hero-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;opacity:.8}
.sp-hero.photo::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(10,30,41,.88) 0%,rgba(10,30,41,.55) 50%,rgba(10,30,41,.05) 100%)}
.sp-hero.photo .wrap{position:relative;z-index:1;padding-block:88px 92px}
.hero-ctas{display:flex;flex-wrap:wrap;gap:12px;margin-top:6px}
.btn-g{display:inline-block;padding:12px 20px;background:#C8AE7E;color:#0A1E29;text-decoration:none;font-size:15px;font-weight:600;border-radius:2px}
.btn-g:hover{background:#D9C296}
.btn-o{display:inline-block;padding:11px 19px;border:1px solid rgba(245,243,238,.6);color:#F5F3EE;text-decoration:none;font-size:15px;border-radius:2px}
.btn-o:hover{border-color:#F5F3EE}
.wmx-k{font-size:13px;letter-spacing:.04em;color:#A98B57}
.wmx{background:#fff}
.wmx .wrap{display:grid;gap:22px}
.wmx-head{display:grid;gap:12px}
.wmx-head h2,.st-head h2,.proc h2,.advisers h2{font-size:clamp(28px,3.4vw,40px);max-width:24ch}
.seg{display:inline-flex;justify-self:start;border:1px solid #0A1E29;border-radius:999px;padding:4px;gap:4px;margin-top:6px}
.seg button{font:inherit;font-size:15px;border:0;background:none;padding:9px 20px;border-radius:999px;cursor:pointer;color:#0A1E29}
.seg button[aria-selected="true"]{background:#0A1E29;color:#F5F3EE}
.seg-lead{color:var(--muted);max-width:60ch;margin-bottom:16px}
.wmx-grid{display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:16px}
.wmx-grid.four{grid-template-columns:repeat(4,minmax(0,1fr))}
@media (max-width:1000px){.wmx-grid,.wmx-grid.four{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:520px){.wmx-grid,.wmx-grid.four{grid-template-columns:1fr}}
.wmx-card{border:1px solid var(--rule);border-top:3px solid #C8AE7E;padding:20px;display:grid;gap:8px;align-content:start;background:#fff;transition:transform .25s,box-shadow .25s}
.wmx-card:hover{transform:translateY(-4px);box-shadow:0 12px 28px rgba(10,30,41,.10)}
.wmx-ic{width:40px;height:40px;color:#0A1E29;display:block}
.wmx-ic svg{width:100%;height:100%;display:block}
.wmx-card h3{font-size:19px}
.wmx-card p{font-size:14px;color:var(--muted)}
.wst-wrap{background:#F7F5F0}
.wst-wrap .wrap{display:grid;gap:72px}
.wst{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,1fr);gap:56px;align-items:center}
.wst.flip .wst-img{order:2}
@media (max-width:820px){.wst{grid-template-columns:1fr;gap:22px}.wst.flip .wst-img{order:0}}
.wst-img{margin:0;border-radius:6px;overflow:hidden;box-shadow:0 18px 40px rgba(10,30,41,.16)}
.wst-img img{display:block;width:100%;height:auto;aspect-ratio:3/2;object-fit:cover;transition:transform .8s}
.wst:hover .wst-img img{transform:scale(1.04)}
.wst-txt{display:grid;gap:14px}
.wst-n{font-family:var(--serif);font-size:44px;line-height:1;color:#C8AE7E}
.wst-txt h2{font-size:clamp(26px,3vw,36px)}
.wst-txt p{color:var(--muted);max-width:56ch}
.ticks{list-style:none;margin:0;padding:0;display:grid;gap:8px}
.ticks li{position:relative;padding-left:26px;font-size:15px}
.ticks li::before{content:"";position:absolute;left:2px;top:7px;width:12px;height:7px;border-left:2px solid #A98B57;border-bottom:2px solid #A98B57;transform:rotate(-45deg)}
.stages{background:#0A1E29;border-top:0}
.stages .wrap{display:grid;gap:24px}
.stages h2{color:#F5F3EE}
.st-head{display:grid;gap:10px}
.st-chips{position:relative;display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:8px}
.st-line{position:absolute;left:10%;right:10%;top:21px;height:2px;background:rgba(245,243,238,.18)}
.st-fill{display:block;height:100%;width:0;background:#C8AE7E;transition:width .4s}
.st-chips button{position:relative;font:inherit;background:none;border:0;cursor:pointer;display:grid;justify-items:center;gap:10px;color:#AEB7BE;padding:0 4px}
.stc-n{width:44px;height:44px;border-radius:50%;display:grid;place-items:center;font-family:var(--serif);font-size:19px;background:#0A1E29;border:2px solid rgba(245,243,238,.35);color:#F5F3EE;transition:all .25s}
.stc-t{font-size:14px;text-align:center}
.st-chips button:hover .stc-n{border-color:#C8AE7E}
.st-chips button[aria-selected="true"] .stc-n{background:#C8AE7E;border-color:#C8AE7E;color:#0A1E29}
.st-chips button[aria-selected="true"]{color:#F5F3EE}
@media (max-width:640px){.stc-t{font-size:12px}.stc-n{width:36px;height:36px;font-size:16px}.st-line{top:17px}}
.stp{display:grid;grid-template-columns:minmax(0,1.2fr) minmax(0,1fr);background:#F5F3EE;border-radius:6px;overflow:hidden;animation:stfade .35s ease}
@media (max-width:760px){.stp{grid-template-columns:1fr}}
.stp img{display:block;width:100%;height:100%;min-height:260px;object-fit:cover}
.stp-txt{padding:28px 32px;display:grid;gap:12px;align-content:center}
.stp-k{font-size:12px;letter-spacing:.04em;color:#A98B57}
.stp-txt h3{font-size:28px}
.stp-txt p{color:var(--muted)}
@keyframes stfade{from{opacity:0;transform:translateY(6px)}to{opacity:1;transform:none}}
.proc-in{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.1fr);gap:56px;align-items:center}
@media (max-width:820px){.proc-in{grid-template-columns:1fr;gap:24px}}
.proc-img{margin:0;border-radius:6px;overflow:hidden;box-shadow:0 18px 40px rgba(10,30,41,.12)}
.proc-img img{display:block;width:100%;height:auto}
.proc-in > div{display:grid;gap:14px}
.pr-list{list-style:none;margin:8px 0 0;padding:0;display:grid;gap:0;position:relative}
.pr-list li{position:relative;padding:0 0 22px 60px}
.pr-list li::before{content:"";position:absolute;left:21px;top:44px;bottom:0;width:2px;background:#E3D7C0}
.pr-list li:last-child::before{display:none}
.pr-n{position:absolute;left:0;top:0;width:44px;height:44px;border-radius:50%;background:#0A1E29;color:#F5F3EE;display:grid;place-items:center;font-family:var(--serif);font-size:19px}
.pr-list h3{font-size:21px;padding-top:8px}
.pr-list p{color:var(--muted);font-size:15px}
.quote-band{position:relative;overflow:hidden;background:#0A1E29}
.quote-band img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;opacity:.75}
.quote-band::after{content:"";position:absolute;inset:0;background:linear-gradient(0deg,rgba(10,30,41,.75),rgba(10,30,41,.15))}
.qb-in{position:relative;z-index:1;padding-block:110px 70px;display:grid;gap:10px}
.qb-q{font-family:var(--serif);font-size:clamp(28px,4vw,48px);color:#fff;max-width:20ch;line-height:1.15}
.qb-s{color:#E9E4DA;max-width:54ch}
.advisers{background:#F6F0E4}
.adv-in{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,1fr);gap:56px;align-items:center}
@media (max-width:820px){.adv-in{grid-template-columns:1fr;gap:24px}}
.adv-in > div{display:grid;gap:14px}
.adv-lead{color:var(--muted);max-width:56ch}
.adv-list{margin:0;padding-left:18px;display:grid;gap:8px;color:var(--ink);font-size:15px}
.adv-img{margin:0;border-radius:6px;overflow:hidden;box-shadow:0 18px 40px rgba(10,30,41,.14)}
.adv-img img{display:block;width:100%;height:auto}
.fq-list{display:grid;border-top:1px solid #0A1E29}
.fq{border-bottom:1px solid var(--rule)}
.fq summary{cursor:pointer;list-style:none;padding:18px 40px 18px 0;font-family:var(--serif);font-size:20px;color:#0A1E29;position:relative}
.fq summary::-webkit-details-marker{display:none}
.fq summary::after{content:"+";position:absolute;right:6px;top:14px;font-size:26px;color:#A98B57;transition:transform .25s}
.fq[open] summary::after{transform:rotate(45deg)}
.fq p{color:var(--muted);padding:0 0 18px;max-width:70ch}
.rv-on .rv{opacity:0;transform:translateY(22px);transition:opacity .7s ease,transform .7s ease}
.rv-on .rv.in{opacity:1;transform:none}

.fo{background:#fff}
.fo .wrap,.help .wrap{display:grid;gap:26px}
.fo-head{display:grid;gap:14px;justify-items:center;text-align:center;max-width:780px;margin:0 auto}
.fo-rule{display:block;width:min(480px,70%);height:4px;background:#C8AE7E}
.fo-head h2{font-size:clamp(30px,3.8vw,44px)}
.fo-head p{color:var(--muted);font-size:18px}
.pl-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:0}
@media (max-width:900px){.pl-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:24px 0}}
@media (max-width:520px){.pl-grid{grid-template-columns:1fr}}
.pl{border-left:2px solid #C8AE7E;padding:6px 24px 10px;display:grid;gap:8px;align-content:start}
.pl-k{font-size:12px;letter-spacing:.08em;text-transform:uppercase;color:var(--muted)}
.pl h3{font-size:23px;color:#0A1E29}
.pl p{font-size:15px;color:var(--muted)}
.band{background:#0A1E29;color:#F5F3EE}
.band-in{padding-block:56px;display:grid;gap:28px;justify-items:center;text-align:center}
.band-q{font-family:var(--serif);font-size:clamp(22px,2.6vw,30px);max-width:34ch}
.band-facts{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:24px 56px}
@media (max-width:640px){.band-facts{grid-template-columns:1fr}}
.band-facts div{display:grid;gap:4px}
.band-facts b{font-family:var(--serif);font-weight:400;font-size:clamp(30px,3.6vw,44px);color:#C8AE7E}
.band-facts span{font-size:14px;color:#C9CED2}
.help{background:#F4F4F2}
.svc-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}
@media (max-width:900px){.svc-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:520px){.svc-grid{grid-template-columns:1fr}}
.svc{background:#fff;padding:26px 24px;display:grid;gap:10px;align-content:start;text-decoration:none;color:inherit;border:1px solid transparent;transition:transform .25s,box-shadow .25s,border-color .25s}
.svc:hover{transform:translateY(-4px);box-shadow:0 14px 30px rgba(10,30,41,.10);border-color:#C8AE7E}
.svc-ic{width:52px;height:52px;color:#A98B57;display:block}
.svc-ic svg{width:100%;height:100%}
.svc-t{font-family:var(--serif);font-size:21px;color:#0A1E29}
.svc-d{font-size:14px;color:var(--muted)}
.svc-d sup,.fn{font-size:11px}
.sg-k{font-family:var(--serif);font-size:20px;color:#0A1E29;margin-top:10px}
.sg-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px 24px}
@media (max-width:700px){.sg-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
.sg{font:inherit;text-align:left;background:none;border:0;border-left:2px solid #C8AE7E;padding:12px 16px;cursor:pointer;color:#0A1E29;font-size:16px;text-decoration:none}
.sg:hover{background:#fff}
.fnotes{padding-block:28px 12px}
.fn{margin:0 0 10px;padding-left:18px;display:grid;gap:6px;color:var(--muted);font-style:italic}

/* EB-5 page */
.ggrid{margin-top:24px;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:24px}
@media (max-width:760px){.ggrid{grid-template-columns:1fr}}
.gitem{margin:0;background:var(--paper);border:1px solid var(--rule);overflow:hidden}
.gitem img{display:block;width:100%;aspect-ratio:3/2;object-fit:cover;max-width:100%}
.gitem figcaption{padding:18px 20px 20px;display:grid;gap:6px}
.gitem h3{font-size:22px}
.gloc{font-size:13px;color:#A98B57}
.gitem p{font-size:15px;color:var(--muted)}
.gitem .gcred{font-size:11px;color:#8A8F93}
.flow-wrap{margin:8px 0 32px;background:var(--paper);border:1px solid var(--rule);padding:20px;overflow-x:auto}
.flow{display:block;width:100%;min-width:600px;height:auto}
.journey-wrap{margin-top:24px;overflow-x:auto}
.journey{display:block;width:100%;min-width:640px;height:auto}
.part{display:block;width:100%;height:auto;margin-bottom:14px}
.pcard > :not(.part){margin-left:20px;margin-right:20px}
.eb5-build{background:#F4F4F2}
.eb5-lead{display:grid;gap:14px;max-width:70ch;margin-bottom:32px}
.eb5-lead h2{font-size:clamp(28px,3.6vw,42px)}
.bgrid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:20px}
@media (max-width:980px){.bgrid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:560px){.bgrid{grid-template-columns:1fr}}
.bcard{background:var(--paper);border-top:3px solid #0A1E29;padding:22px;display:grid;gap:8px;align-content:start}
.bcard h3{font-size:20px}
.bcard p{font-size:15px;color:var(--muted)}
.pgrid{margin-top:28px;display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:18px}
@media (max-width:1000px){.pgrid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:560px){.pgrid{grid-template-columns:1fr}}
.pcard{border:1px solid var(--rule);background:var(--paper);padding:0 0 20px;overflow:hidden;display:grid;gap:6px;align-content:start;transition:border-color .15s,box-shadow .15s}
.pcard:hover{border-color:#0A1E29;box-shadow:0 8px 22px rgba(10,30,41,.08)}
.ptag{justify-self:start;font-size:12px;color:#7E6434;border:1px solid #DCCFB4;background:#F6F0E4;padding:3px 8px}
.pcard h3{font-size:22px;margin-top:6px}
.ploc{font-size:14px;color:#0A1E29}
.ptype{font-size:15px;color:var(--muted)}
.pstruct{font-size:13px;color:var(--muted);padding-top:8px;border-top:1px solid var(--rule);margin-top:6px}
.pgrid.crit{grid-template-columns:repeat(3,minmax(0,1fr))}
@media (max-width:900px){.pgrid.crit{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:560px){.pgrid.crit{grid-template-columns:1fr}}
.pgrid.crit .pcard{padding:22px 22px 24px;border-top:3px solid #0A1E29;gap:8px}

.fm-gold .label,.fm-gold .fm-id h2,.fm-gold .fm-grid h3{color:#0A1E29}
.fm-gold .fm-photo{border-bottom-color:#A98B57}
.fm-gold .chip-l{border-color:#A98B57;color:#5E4A26;background:#F6F0E4}
.fm-gold .fm-card{background:#F6F0E4}
.fm-gold .tl{border-left-color:#E3D7C0}
.fm-gold .tl li::before{background:#A98B57}
.fm-gold .tl-y{color:#0A1E29;font-family:var(--serif);font-size:16px}
.fm-gold .tl li{grid-template-columns:190px minmax(0,1fr)}
@media (max-width:560px){.fm-gold .tl li{grid-template-columns:1fr}}
.fm-gold .tl p{font-size:15px;color:var(--muted)}
.lic-row{padding-bottom:10px;border-bottom:1px solid #E3D7C0}
.lic-row h4{margin:0 0 2px;font-family:var(--serif);font-weight:400;font-size:17px}
.lic-row p{font-size:14px}

/* Business development */
.bd-hero{position:relative;background:#0A1E29;border-top:0;padding:0;overflow:hidden}
.bd-hero img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;opacity:.45}
.bd-hero-in{position:relative;padding-block:84px;display:grid;gap:14px;max-width:1120px}
.bd-k{font-size:13px;color:#C8AE7E;letter-spacing:.04em}
.bd-hero h2{color:#F5F3EE;font-size:clamp(32px,4.6vw,52px);max-width:18ch}
.bd-hero p{color:#E4E7EA;max-width:58ch;font-size:17px}
.road-wrap{margin-top:24px;overflow-x:auto}
.roadmap{display:block;width:100%;min-width:640px;height:auto}
.phase-txt{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:20px;margin-top:4px;text-align:center}
@media (max-width:820px){.phase-txt{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.phase-txt{grid-template-columns:1fr}}
.phase-txt h4{margin:0 0 4px;font-family:var(--serif);font-weight:400;font-size:18px}
.phase-txt h4 span{font-family:var(--sans);font-size:12px;color:#A98B57;margin-left:6px}
.phase-txt p{font-size:14px;color:var(--muted)}
.bd-services{background:#F4F4F2}
.bdgrid{margin-top:24px;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}
@media (max-width:980px){.bdgrid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:600px){.bdgrid{grid-template-columns:1fr}}
.bdcard{background:var(--paper);border-top:3px solid #A98B57;padding:24px;display:grid;gap:12px;align-content:start}
.bdi{width:44px;height:44px;color:#0A1E29;display:block}
.bdi svg{width:100%;height:100%;display:block}
.bdcard h3{font-size:21px}
.bdcard .ticks li{font-size:14px;color:var(--muted)}
.bd-office-in{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:48px;align-items:center}
@media (max-width:820px){.bd-office-in{grid-template-columns:1fr;gap:24px}}
.bd-office-in img{width:100%;height:auto;display:block;border-radius:6px;box-shadow:0 10px 30px rgba(10,30,41,.12)}
.bd-office-in > div{display:grid;gap:14px}
.bd-office-in h2{font-size:clamp(26px,3vw,36px)}
.bd-office-in p{color:var(--muted)}
.bd-office-in .label{font-family:var(--serif);font-size:18px;color:#A98B57}
.sep-box{display:grid;grid-template-columns:1fr 1fr;border:1px solid var(--rule)}
@media (max-width:700px){.sep-box{grid-template-columns:1fr}}
.sep-box > div{padding:24px 28px;display:grid;gap:6px}
.sep-box > div:first-child{border-right:1px solid var(--rule);background:#F6F0E4}
@media (max-width:700px){.sep-box > div:first-child{border-right:0;border-bottom:1px solid var(--rule)}}
.sep-box > div:last-child{background:#1A1A1A}
.sep-box > div:last-child h3,.sep-box > div:last-child p{color:#F5F3EE}
.sep-box p{font-size:14px;color:var(--muted)}
.bd-team{background:#F7F5F0}
.tm-grid{margin-top:24px;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px}
@media (max-width:980px){.tm-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:620px){.tm-grid{grid-template-columns:1fr}}
.tm-card{background:#fff;border-radius:6px;overflow:hidden;box-shadow:0 10px 28px rgba(10,30,41,.10);display:grid;grid-template-rows:auto 1fr;transition:transform .25s,box-shadow .25s}
.tm-card:hover{transform:translateY(-4px);box-shadow:0 16px 36px rgba(10,30,41,.16)}
.tm-img{margin:0;background:#EFEBE3}
.tm-img img{display:block;width:100%;height:auto;aspect-ratio:4/5;object-fit:cover}
.tm-body{padding:22px 24px 26px;display:grid;gap:10px;align-content:start}
.tm-body h3{font-size:24px}
.tm-role{font-size:13px;letter-spacing:.04em;color:#A98B57}
.tm-bio{font-size:15px;color:var(--muted)}
.tm-body .ticks li{font-size:14px}

/* Businesses opening (distinct from Individuals) */
.bd-open{background:#1A1A1A;color:#F5F3EE;border-top:0}
.bd-open-in{padding-block:64px;display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,1fr);gap:48px;align-items:center}
@media (max-width:900px){.bd-open-in{grid-template-columns:1fr;gap:28px;padding-block:44px}}
.bd-open-txt{display:grid;gap:16px}
.bd-h1{font-size:15px;letter-spacing:.08em;text-transform:uppercase;color:#C8AE7E;font-family:var(--sans);font-weight:700}
.bd-open-note{font-size:13px!important;color:#AFAFA9!important}
.bd-open h2{color:#fff;font-size:clamp(30px,3.8vw,46px);max-width:18ch}
.bd-open-txt > p{color:#D6D6D2;font-size:17px;max-width:56ch}
.bd-open-cta{display:flex;flex-wrap:wrap;gap:12px;margin-top:4px}
.bx-go.gold{background:#C8AE7E;color:#1A1A1A;font-weight:600}
.bx-go.ghost{background:none;border:1px solid rgba(245,243,238,.5);color:#F5F3EE}
.bd-glance{background:#242424;border:1px solid #333;border-radius:8px;padding:22px}
.gl-k{font-size:12px;letter-spacing:.08em;text-transform:uppercase;color:#C8AE7E;margin-bottom:14px}
.gl-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px}
.gl{display:flex;gap:12px;align-items:center;padding:12px;border:1px solid #333;border-radius:6px;color:#F5F3EE;text-decoration:none;font-size:15px;transition:border-color .2s,background .2s}
.gl:hover{border-color:#C8AE7E;background:#2c2c2c}
.gl-i{width:30px;height:30px;color:#C8AE7E;flex:none}
.gl-i svg{width:100%;height:100%;display:block}
.road-lead{max-width:70ch;margin:-14px 0 24px;color:var(--muted)}
.ph-steps{position:relative;display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:10px;margin-bottom:18px}
.ph-line{position:absolute;left:12.5%;right:12.5%;top:23px;height:2px;background:var(--rule)}
.ph-fill{display:block;height:100%;width:0;background:#C8AE7E;transition:width .35s}
.ph-steps button{position:relative;font:inherit;background:none;border:0;cursor:pointer;display:grid;justify-items:center;gap:6px;color:var(--muted);padding:0 4px}
.ph-n{width:48px;height:48px;border-radius:50%;display:grid;place-items:center;font-family:var(--serif);font-size:20px;background:#fff;border:2px solid var(--rule);color:#0A1E29;transition:all .2s}
.ph-steps button:hover .ph-n{border-color:#C8AE7E}
.ph-steps button[aria-selected="true"] .ph-n{background:#1A1A1A;border-color:#1A1A1A;color:#C8AE7E}
.ph-t{font-family:var(--serif);font-size:18px;color:#0A1E29}
.ph-w{font-size:12px}
@media (max-width:560px){.ph-t{font-size:15px}.ph-w{font-size:11px}.ph-n{width:40px;height:40px;font-size:17px}.ph-line{top:19px}}
.ph-p{background:#F7F5F0;border-left:3px solid #C8AE7E;border-radius:4px;padding:24px 28px;display:grid;gap:10px;animation:fade .3s ease}
.ph-k{font-size:12px;letter-spacing:.06em;text-transform:uppercase;color:#7E6434}
.ph-p h3{font-size:26px}
.ph-p > p{color:var(--muted)}
.tm-toggle{display:none;font:inherit;font-size:14px;justify-self:start;background:none;border:0;border-bottom:1px solid #0A1E29;padding:0 0 2px;cursor:pointer;color:#0A1E29}
.tm-more{display:grid;gap:10px}
@media (max-width:760px){
  .tm-toggle{display:inline-block}
  .tm-card:not(.open) .tm-more{display:none}
  .tm-img img{aspect-ratio:1/1}
  .tm-body{padding:18px 20px 20px}
}

/* Luxury items */
.lux{background:#0A1E29;border-top:0;padding-block:30px 34px!important}
.lx-head{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,1fr);gap:12px 48px;align-items:end}
@media (max-width:820px){.lx-head{grid-template-columns:1fr}}
.lx-head h2{margin-top:8px}
.lux .wrap{display:grid;gap:14px}
.lx-k{font-size:13px;color:#C8AE7E;letter-spacing:.04em}
.lux h2{color:#F5F3EE;font-size:clamp(26px,3.2vw,38px);max-width:22ch}
.lx-lead{color:#D9DEE2;max-width:62ch;font-size:16px}
.lxgrid{margin-top:16px;display:grid;grid-template-columns:repeat(6,minmax(0,1fr));gap:14px}
@media (max-width:900px){.lxgrid{grid-template-columns:repeat(3,minmax(0,1fr));gap:10px}}
.lxitem{margin:0;display:grid;gap:8px}
.lxitem img{width:100%;height:auto;aspect-ratio:4/3;object-fit:cover;display:block;border-radius:4px;transition:transform .3s}
.lxitem:hover img{transform:scale(1.03)}
.lxitem figcaption{font-size:14px;font-family:var(--serif);color:#C8AE7E;line-height:1.35}
.lux-what{background:#F6F0E4}
.lxwgrid{margin-top:22px;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}
@media (max-width:900px){.lxwgrid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:560px){.lxwgrid{grid-template-columns:1fr}}
.lxw{background:var(--paper);border-top:3px solid #A98B57;padding:20px;display:grid;gap:6px;align-content:start}
.lxw h3{font-size:20px}
.lxw p{font-size:14px;color:var(--muted)}
.lx-lead a{color:#C8AE7E}
.lux-det .wrap{display:grid;gap:16px}
.ld-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px 36px}
@media (max-width:900px){.ld-grid{grid-template-columns:1fr}}
.ld-steps .n{display:inline-block;width:20px;font-family:var(--serif);color:#A98B57}
.sp-hero.box-pc .wrap{padding-block:28px 30px;gap:10px}
.pcband{background:#fff;border-top:1px solid var(--rule);padding-block:22px 26px!important}
.pc-h{font-family:var(--serif);font-size:22px;color:#0A1E29}
.pc-h span{display:block;font-family:var(--sans);font-size:14px;color:var(--muted);margin-top:4px}
.pcband .wrap{display:grid;gap:14px}
.pcband .lx-k{color:#7A6440}
.pcband h2{color:#0A1E29;font-size:clamp(26px,3.2vw,38px);max-width:24ch;margin-top:8px}
.pcband .lx-lead{color:var(--muted)}
.pcband .lxitem figcaption{color:#0A1E29}
.lawband{background:#F6F0E4;border-top:0;padding-block:30px 34px!important}
.lawband .wrap{display:grid;gap:14px}
.lawband .lx-k{color:#7A6440}
.lawband h2{color:#0A1E29;font-size:clamp(26px,3.2vw,38px);margin-top:8px}
.lawband .lx-lead{color:var(--muted)}
.lawband .lxitem figcaption{color:#0A1E29}
.law-grid{grid-template-columns:repeat(4,minmax(0,1fr))}
@media (max-width:900px){.law-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
.lwgrid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;margin-top:6px}
@media (max-width:760px){.lwgrid{grid-template-columns:1fr}}
.lwc{background:#fff;border-top:3px solid #0A1E29;padding:16px 18px;display:grid;gap:4px;align-content:start}
.lwc h3{font-size:18px}
.lwc p{font-size:14px;color:var(--muted)}

/* Valuables page: icon sections with clear separation */
.pv-sec{padding-block:64px}
.pv-white{background:#fff}
.pv-navy{background:#0A1E29;border-top:0}
.pv-sand{background:#F6F0E4}
.lux-det{background:#F4F4F2}
.sec-head.light h2{color:#fff}
.sec-head.light .label{color:#C8AE7E}
.pv-lead{color:#D9DEE2;max-width:64ch;margin:-12px 0 26px;font-size:16px}
.pv-lead a{color:#C8AE7E}
.pv-lead.dark{color:var(--muted)}
.it-grid{display:grid;grid-template-columns:repeat(6,minmax(0,1fr));gap:14px}
@media (max-width:1000px){.it-grid{grid-template-columns:repeat(3,minmax(0,1fr))}}
@media (max-width:560px){.it-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:10px}}
.it{background:#F7F5F0;border-radius:6px;padding:20px 16px;display:grid;gap:8px;justify-items:center;text-align:center;align-content:start}
.it-i{width:44px;height:44px;color:#A98B57;display:block}
.it-i svg{width:100%;height:100%;display:block}
.it h3{font-size:18px;color:#0A1E29}
.it p{font-size:13px;color:var(--muted);line-height:1.4}
.pv-navy .it{background:rgba(255,255,255,.05);border:1px solid rgba(245,243,238,.14)}
.pv-navy .it h3{color:#F5F3EE}
.pv-navy .it p{color:#AEB7BE}
.pv-navy .it-i{color:#C8AE7E}
.lw-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;margin-bottom:14px}
@media (max-width:760px){.lw-grid{grid-template-columns:1fr}}
.lw{background:#fff;border-top:3px solid #0A1E29;padding:22px;display:grid;gap:8px;align-content:start}
.lw h3{font-size:20px}
.lw p{font-size:14px;color:var(--muted)}
.cl{border-top:1px solid var(--rule)}

/* Shared Let's talk section */
.talk{position:relative;overflow:hidden;background:#0A1E29}
.talk > img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;opacity:.35}
.talk-in{position:relative;z-index:1;padding-block:72px;display:grid;gap:12px;justify-items:center;text-align:center}
.talk h2{color:#fff;font-size:clamp(34px,4.4vw,52px)}
.talk-s{color:#E3E7EA;max-width:52ch}
.tk{margin-top:14px;width:min(620px,100%);background:rgba(10,30,41,.82);border:1px solid rgba(245,243,238,.18);border-radius:8px;padding:26px;display:grid;gap:14px;text-align:left}
.tk-k{display:flex;gap:12px;align-items:center;color:#F5F3EE;font-size:15px}
.tk-k span{width:28px;height:28px;border-radius:50%;border:1px solid #C8AE7E;color:#C8AE7E;display:grid;place-items:center;font-size:13px}
.tk-step{display:grid;gap:12px}
.tk-row{display:grid;grid-template-columns:1fr 1fr;gap:12px}
@media (max-width:520px){.tk-row{grid-template-columns:1fr}.tk{padding:18px}}
.tk label{display:grid;gap:6px;font-size:13px;color:#C9CED2}
.tk input,.tk textarea{font:inherit;font-size:15px;padding:11px 12px;border-radius:4px;border:1px solid rgba(245,243,238,.25);background:rgba(255,255,255,.06);color:#fff}
.tk input:focus,.tk textarea:focus{outline:2px solid #C8AE7E;outline-offset:1px}
.tk-opts{display:grid;grid-template-columns:1fr 1fr;gap:8px}
@media (max-width:420px){.tk-opts{grid-template-columns:1fr}}
.tk-o{display:flex!important;flex-direction:row;gap:10px;align-items:center;padding:10px 12px;border:1px solid rgba(245,243,238,.2);border-radius:4px;cursor:pointer;color:#F5F3EE!important;font-size:14px!important}
.tk-o input{width:16px;height:16px;accent-color:#C8AE7E}
.tk-bar{height:4px;background:rgba(245,243,238,.15);border-radius:2px;overflow:hidden}
.tk-fill{display:block;height:100%;width:50%;background:#C8AE7E;transition:width .3s}
.tk-n{font-size:12px;color:#C9CED2;text-align:center}
.tk-btns{display:flex;gap:10px;justify-content:center}
.tk-btns button{font:inherit;font-size:15px;padding:12px 28px;border-radius:3px;cursor:pointer;border:0}
.tk-next,.tk-send{background:#C8AE7E;color:#0A1E29;font-weight:600;min-width:180px}
.tk-back{background:none;border:1px solid rgba(245,243,238,.4)!important;color:#F5F3EE}
.tk-priv{font-size:11px;color:#AEB7BE;text-align:center}
.talk-c{display:flex;flex-wrap:wrap;gap:8px 28px;justify-content:center;color:#E3E7EA;font-size:14px;margin-top:8px}
.talk-c a{color:#C8AE7E}
/* Contact / thank-you pages */
.ct-hero{background:#F7F5F0;border-top:0}
.ct-in{padding-block:64px 56px;display:grid;gap:16px}
.ct-in h1{font-size:clamp(34px,4.4vw,52px)}
.ct-lead{color:var(--muted);max-width:62ch;font-size:17px}
.ct-grid{margin-top:12px;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}
@media (max-width:760px){.ct-grid{grid-template-columns:1fr}}
.ct-card{background:#fff;border:1px solid var(--rule);border-top:3px solid #C8AE7E;padding:22px;display:grid;gap:6px;text-decoration:none;color:inherit}
a.ct-card:hover{border-color:#0A1E29;border-top-color:#C8AE7E}
.ct-k{font-size:12px;letter-spacing:.06em;text-transform:uppercase;color:var(--muted)}
.ct-v{font-family:var(--serif);font-size:22px;color:#0A1E29}
/* Unified section kicker */
.sec-k{font-size:13px;letter-spacing:.08em;text-transform:uppercase;color:#7E6434;font-weight:600}
.sec-head h1.ab-h1{font-size:clamp(30px,3.8vw,44px);color:#0A1E29;max-width:30ch;line-height:1.15}

.sec-head .sr-k.label{font-family:var(--serif);text-transform:none;letter-spacing:0;font-weight:400;font-size:clamp(26px,3vw,34px);color:#0A1E29}
.blk{max-width:960px}

.sp-hero.has-aside .wrap{grid-template-columns:minmax(0,1fr) minmax(0,440px);gap:24px 48px;align-items:center}
@media (max-width:900px){.sp-hero.has-aside .wrap{grid-template-columns:1fr}}
.hero-main{display:grid;gap:10px}
.hero-carriers{background:#fff;border:1px solid var(--bx-line);padding:18px 20px;display:grid;gap:12px}
.hc-k{font-size:12px;letter-spacing:.04em;color:var(--bx-mute)}
.hc-logos{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:16px 18px;align-items:center}
.hc-logos li{display:flex;justify-content:center}
.hc-logos img{max-height:30px;max-width:100%;width:auto;height:auto;display:block}
.hc-note{font-size:11px;line-height:1.4;color:var(--bx-mute)}

.cl .wrap{display:grid;gap:18px}
.cl-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px 48px}
@media (max-width:760px){.cl-grid{grid-template-columns:1fr}}
.cl-col h3{font-size:18px;padding-bottom:8px;border-bottom:1px solid var(--navy);margin-bottom:4px}
.cl-col ul{list-style:none;margin:0;padding:0}
.cl-col li{padding:8px 0;border-bottom:1px solid var(--rule);font-size:14px;line-height:1.45}
.cl-col li b{font-weight:600;color:var(--navy)}
.cl-col li span{color:var(--muted)}

/* 404 */
.nf .wrap{display:grid;gap:14px;padding-block:24px}
.nf h1{font-size:clamp(30px,4vw,44px)}
.nf-links{list-style:none;padding:0;margin:8px 0 0;display:grid;gap:10px}
.nf-links a{color:var(--navy);font-size:17px}
/* FAQ */
.faq dt{font-family:var(--serif);font-size:18px;color:var(--navy)}
.lead{display:grid;gap:14px}
.lead h2{font-size:clamp(24px,2.8vw,32px)}
.lead p{max-width:68ch;font-size:16px}
.lead a{color:var(--navy)}
.protect{max-width:72ch}
:where(img){width:auto;height:auto}