:root{--navy:#14284b;--gold:#c9a24a;--cream:#faf7f0;--ink:#1d2433;--muted:#5b6475;--line:#e6e1d6}
*{box-sizing:border-box}
body{margin:0;font-family:Georgia,"Times New Roman",serif;color:var(--ink);background:#fff;line-height:1.65}
h1,h2,h3,.nav,.btn,.eyebrow{font-family:"Helvetica Neue",Arial,sans-serif}
a{color:var(--navy)}
.wrap{max-width:1080px;margin:0 auto;padding:0 24px}
header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:10}
.bar{display:flex;align-items:center;justify-content:space-between;padding:14px 0;gap:16px;flex-wrap:wrap}
.brand{font-family:"Helvetica Neue",Arial,sans-serif;font-weight:700;font-size:1.25rem;color:var(--navy);text-decoration:none}
.brand small{display:block;font-weight:400;font-size:.75rem;color:var(--muted);letter-spacing:.08em;text-transform:uppercase}
.nav a{margin-left:18px;text-decoration:none;color:var(--ink);font-size:.95rem}
.nav a:hover{color:var(--gold)}
.btn{display:inline-block;background:var(--gold);color:#fff!important;padding:12px 22px;border-radius:6px;text-decoration:none;font-weight:600}
.btn.alt{background:transparent;border:2px solid #fff}
.btn.dark{background:var(--navy)}
.hero{background:linear-gradient(135deg,var(--navy),#22406f);color:#fff;padding:90px 0 80px}
.hero h1{font-size:2.6rem;line-height:1.15;margin:0 0 18px}
.hero p{font-size:1.2rem;max-width:640px;opacity:.92}
.eyebrow{text-transform:uppercase;letter-spacing:.14em;font-size:.8rem;color:var(--gold);font-weight:700}
section{padding:70px 0}
section.tint{background:var(--cream)}
h2{font-size:2rem;color:var(--navy);margin:0 0 14px}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:22px;margin-top:28px}
.card{background:#fff;border:1px solid var(--line);border-radius:10px;padding:24px}
.card h3{margin-top:0;color:var(--navy)}
.price{font-size:2.4rem;color:var(--navy);font-family:"Helvetica Neue",Arial,sans-serif;font-weight:700}
.steps{counter-reset:s}
.steps .card h3:before{counter-increment:s;content:counter(s) ". ";color:var(--gold)}
details{border-bottom:1px solid var(--line);padding:16px 0}
summary{cursor:pointer;font-family:"Helvetica Neue",Arial,sans-serif;font-weight:600;color:var(--navy);font-size:1.05rem}
.cta{background:var(--navy);color:#fff;text-align:center}
.cta h2{color:#fff}
footer{background:#0e1c35;color:#c9cfdb;font-size:.85rem;padding:40px 0}
footer a{color:#fff}
.disclose{margin-top:18px;font-size:.78rem;opacity:.8}
@media(max-width:700px){.hero h1{font-size:2rem}.nav a{margin-left:10px}}
.brand{display:flex;align-items:center;gap:14px}
.brand .logo{height:46px;width:auto;display:block}
.brand-text{border-left:1px solid var(--line);padding-left:14px;line-height:1.2}
.foot-logo{height:54px;width:auto;display:block;margin-bottom:16px}
@media(max-width:700px){.brand .logo{height:36px}.brand-text{font-size:1rem}}

.calc{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:16px;margin-top:20px}
.calc label{display:block;font-family:"Helvetica Neue",Arial,sans-serif;font-size:.9rem;font-weight:600;color:var(--navy);margin-bottom:6px}
.calc input{width:100%;padding:10px 12px;border:1px solid var(--line);border-radius:6px;font-size:1rem}
.results{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:16px;margin-top:28px}
.results .card .price{font-size:1.9rem}
.diff{background:var(--navy);color:#fff}
.diff h3,.diff .price{color:#fff!important}
.check li{margin-bottom:10px}
.check{list-style:none;padding-left:0}
.check li:before{content:"\2610  ";color:var(--gold);font-size:1.1rem}
@media print{header,footer .disclose~*,.noprint,.btn{display:none!important}.hero{background:none;color:var(--ink);padding:10px 0}.hero h1{color:var(--navy)}section{padding:14px 0}}
.team{text-align:center}
.headshot{width:160px;height:160px;border-radius:50%;object-fit:cover;object-position:center 25%;display:block;margin:0 auto 16px;border:3px solid var(--gold)}
.initials{background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-family:"Helvetica Neue",Arial,sans-serif;font-size:2.4rem;font-weight:700}

/* ---- Luxury refresh ---- */
:root{--navy:#0f1f3a;--navy2:#1a2f55;--gold:#b8955a;--gold2:#d8bf8a;--cream:#f8f5ef;--ink:#1c2230;--muted:#6b7282;--line:#e8e2d6}
body{font-family:"Montserrat","Helvetica Neue",Arial,sans-serif;font-weight:300;font-size:1.02rem;line-height:1.8;letter-spacing:.01em;color:var(--ink)}
h1,h2,h3{font-family:"Cormorant Garamond",Georgia,serif;font-weight:600;letter-spacing:.005em}
h1{font-size:3.4rem;line-height:1.08;font-weight:500}
h2{font-size:2.5rem;font-weight:500;color:var(--navy)}
h2:after{content:"";display:block;width:56px;height:1px;background:var(--gold);margin:18px 0 6px}
.cta h2:after{margin:18px auto 6px;background:var(--gold2)}
h3{font-size:1.55rem;color:var(--navy)}
.nav,.btn,.eyebrow,summary,.calc label,.brand-text{font-family:"Montserrat","Helvetica Neue",Arial,sans-serif}
header{background:rgba(255,255,255,.96);backdrop-filter:blur(6px);border-bottom:1px solid var(--line)}
.bar{padding:18px 0}
.nav a{font-size:.78rem;text-transform:uppercase;letter-spacing:.16em;font-weight:500;margin-left:26px}
.nav a.btn{margin-left:28px}
.brand-text{font-family:"Cormorant Garamond",Georgia,serif;font-size:1.45rem;font-weight:600;color:var(--navy)}
.brand-text small{font-family:"Montserrat",Arial,sans-serif;font-size:.62rem;letter-spacing:.22em;color:var(--gold)}
.btn{background:var(--gold);border:1px solid var(--gold);border-radius:0;padding:14px 30px;font-size:.78rem;text-transform:uppercase;letter-spacing:.18em;font-weight:500;transition:all .25s ease}
.btn:hover{background:transparent;color:var(--gold)!important}
.btn.alt{border:1px solid rgba(255,255,255,.7);background:transparent}
.btn.alt:hover{background:#fff;color:var(--navy)!important}
.btn.dark{background:var(--navy);border-color:var(--navy)}
.btn.dark:hover{background:transparent;color:var(--navy)!important}
.hero{background:radial-gradient(ellipse at top right,#24406e 0%,var(--navy) 55%,#0a1529 100%);padding:130px 0 120px;position:relative}
.hero:after{content:"";position:absolute;left:0;right:0;bottom:0;height:1px;background:linear-gradient(90deg,transparent,var(--gold),transparent)}
.hero p{font-size:1.12rem;font-weight:300;opacity:.88}
.eyebrow{font-size:.72rem;letter-spacing:.3em;color:var(--gold2);font-weight:500;margin-bottom:18px}
section{padding:110px 0}
section.tint{background:var(--cream)}
.grid{gap:30px;margin-top:40px}
.card{border:1px solid var(--line);border-radius:0;padding:38px 32px;background:#fff;box-shadow:0 1px 0 rgba(15,31,58,.02);transition:transform .3s ease,box-shadow .3s ease;border-top:2px solid var(--gold)}
.card:hover{transform:translateY(-4px);box-shadow:0 18px 40px rgba(15,31,58,.08)}
.price{font-family:"Cormorant Garamond",Georgia,serif;font-size:3rem;font-weight:500;color:var(--gold)}
.diff{background:var(--navy);border-top-color:var(--gold2)}
.diff .price{color:var(--gold2)!important}
.steps .card h3:before{font-family:"Cormorant Garamond",Georgia,serif;color:var(--gold)}
.cta{background:linear-gradient(135deg,var(--navy),var(--navy2));padding:120px 0}
.cta h2{font-size:2.7rem}
details{padding:22px 0}
summary{font-weight:500;font-size:1rem;letter-spacing:.01em}
.headshot{width:180px;height:180px;border:1px solid var(--gold);padding:5px;background:#fff}
.initials{background:var(--navy);padding:0}
footer{background:#0a1529;padding:64px 0 48px;font-size:.82rem;letter-spacing:.02em}
footer p{opacity:.85}
.calc input{border-radius:0;border-color:var(--line);padding:12px 14px;font-family:"Montserrat",Arial,sans-serif}
.calc input:focus{outline:none;border-color:var(--gold)}
@media(max-width:700px){h1{font-size:2.4rem}h2{font-size:2rem}section{padding:70px 0}.hero{padding:90px 0 80px}.nav a{margin-left:12px;letter-spacing:.1em}}
/* brand: After Class by [logo] */
.brand{display:flex;align-items:center;gap:12px}
.brand-text{border-left:none!important;padding-left:0!important;font-family:"Cormorant Garamond",Georgia,serif;font-size:1.7rem;font-weight:600;color:var(--navy);white-space:nowrap;line-height:1}
.brand-text em{font-style:italic;font-weight:500;font-size:1.15rem;color:var(--gold);margin-left:4px}
.brand .logo{height:44px}
@media(max-width:700px){.brand-text{font-size:1.3rem}.brand-text em{font-size:.95rem}.brand .logo{height:32px}}

/* footer matched to cortezwealth.com */
.site-foot{text-align:left}
.site-foot .foot-logo{height:54px;margin-bottom:20px}
.site-foot p{margin:4px 0}
.site-foot .foot-links{margin-top:18px}
.site-foot .foot-links a{margin-right:22px;text-decoration:underline}
.site-foot .foot-reg{margin-top:18px}
.site-foot .foot-copy{margin-top:10px;opacity:.7}

/* calculator layout fix */
.calc{display:grid;grid-template-columns:repeat(3,minmax(0,220px));gap:22px 32px;justify-content:start;max-width:none}
.calc>div{display:flex;flex-direction:column;justify-content:flex-end}
.calc label{min-height:0;white-space:nowrap;margin-bottom:8px}
.calc input{width:100%;max-width:220px}
.results{grid-template-columns:repeat(3,minmax(0,220px));gap:22px 32px;justify-content:start}
.results .card{padding:26px 22px}
.results .card h3{font-size:1.25rem}
.results .card .price{font-size:2rem}
@media(max-width:760px){.calc,.results{grid-template-columns:repeat(2,minmax(0,1fr))}.calc input{max-width:none}.calc label{white-space:normal}}
@media(max-width:480px){.calc,.results{grid-template-columns:1fr}}

.story{max-width:760px}
.story p{font-size:1.08rem}
.story .lead{font-family:"Cormorant Garamond",Georgia,serif;font-size:1.6rem;line-height:1.45;color:var(--navy);font-weight:500}
.signature{margin-top:26px;font-family:"Cormorant Garamond",Georgia,serif;font-style:italic;font-size:1.3rem;color:var(--gold)}

/* media: hero video, split images, photo CTA */
.hero-video{overflow:hidden;background:var(--navy)}
.hero-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:0}
.hero-overlay{position:absolute;inset:0;z-index:1;background:linear-gradient(105deg,rgba(10,21,41,.92) 0%,rgba(15,31,58,.82) 45%,rgba(15,31,58,.55) 100%)}
.hero-video .wrap{position:relative;z-index:2}
.hero-video:after{z-index:3}
@media(prefers-reduced-motion:reduce){.hero-bg{display:none}.hero-video{background:var(--navy) url("https://static.wixstatic.com/media/b8ad7f_260af346ea104e72b59ab02227cdc908~mv2.jpg/v1/fill/w_1920,h_1080,al_c,q_80,enc_auto/classroom.jpg") center/cover}}
.split{display:grid;grid-template-columns:1.1fr 1fr;gap:64px;align-items:center}
.split.rev{grid-template-columns:.8fr 1.2fr}
.split-img{width:100%;height:420px;object-fit:cover;display:block;box-shadow:24px 24px 0 -1px var(--cream),24px 24px 0 0 var(--gold)}
.split-img.tall{height:520px;object-position:center 30%}
.split.rev .split-img{box-shadow:-24px 24px 0 -1px var(--cream),-24px 24px 0 0 var(--gold)}
.cta-photo{position:relative;background:var(--navy) var(--bg) center/cover no-repeat;overflow:hidden}
.cta-photo:before{content:"";position:absolute;inset:0;background:linear-gradient(rgba(10,21,41,.86),rgba(15,31,58,.86))}
.cta-photo .wrap{position:relative}
@media(max-width:820px){.split,.split.rev{grid-template-columns:1fr;gap:40px}.split-img,.split-img.tall{height:320px}.split.rev .split-img{order:2}}
@media(prefers-reduced-motion:reduce){.hero-calc{background:radial-gradient(ellipse at top right,#24406e 0%,var(--navy) 55%,#0a1529 100%)}}

@media(prefers-reduced-motion:reduce){.hero-about video.hero-bg{display:none}}

@media(prefers-reduced-motion:reduce){.hero-services video.hero-bg{display:none}}

@media(prefers-reduced-motion:reduce){.hero-guide video.hero-bg{display:none}}
@media print{.hero-guide{background:none!important}.hero-guide .hero-bg,.hero-guide .hero-overlay{display:none!important}.hero-guide,.hero-guide .eyebrow,.hero-guide p{color:var(--ink)!important}}

/* contact form */
.contact-grid{display:grid;grid-template-columns:1.6fr 1fr;gap:64px;align-items:start}
.contact-info{border-top:2px solid var(--gold);background:#fff;padding:34px 30px;border:1px solid var(--line);border-top:2px solid var(--gold)}
.contact-info h3{font-size:1.3rem;margin:0 0 6px}
.contact-info p{margin:0 0 22px}
.wf{margin-top:30px}
.wf-form{display:grid;grid-template-columns:1fr 1fr;gap:6px 24px}
.wf-field{display:flex;flex-direction:column}
.wf-field.full,.full{grid-column:1/-1}
.wf-field label{font-family:"Montserrat",Arial,sans-serif;font-size:.74rem;text-transform:uppercase;letter-spacing:.14em;font-weight:500;color:var(--navy);margin-bottom:8px}
.wf-req{color:var(--gold);margin-left:3px}
.wf-field input,.wf-field textarea,.wf-field select{width:100%;padding:13px 14px;border:1px solid var(--line);border-radius:0;background:#fff;font-family:"Montserrat",Arial,sans-serif;font-size:1rem;color:var(--ink);transition:border-color .2s}
.wf-field input:focus,.wf-field textarea:focus,.wf-field select:focus{outline:none;border-color:var(--gold)}
.wf-field [aria-invalid="true"]{border-color:#b3261e}
.wf-err{min-height:1.2em;margin:6px 0 10px;font-size:.82rem;color:#b3261e}
.wf-help{color:var(--muted);font-size:.82rem;margin-top:4px}
.wf-actions{margin-top:8px}
.wf-actions .btn{cursor:pointer}
.wf-actions .btn[disabled]{opacity:.6;cursor:wait}
.wf-thanks{background:#fff;border:1px solid var(--line);border-top:2px solid var(--gold);padding:38px 32px}
.wf-skeleton span{display:block;height:46px;background:linear-gradient(90deg,#eee8dc,#f6f2ea,#eee8dc);margin-bottom:18px}
.wf-skeleton span.tall{height:120px}
@media(max-width:820px){.contact-grid{grid-template-columns:1fr;gap:40px}.wf-form{grid-template-columns:1fr}}
@media(prefers-reduced-motion:reduce){.hero-contact video.hero-bg{display:none}}

@media(prefers-reduced-motion:reduce){.hero-faq video.hero-bg{display:none}}

/* annuities page */
.prose{max-width:780px}
.prose p{font-size:1.06rem}
.kicker{font-family:"Cormorant Garamond",Georgia,serif;font-size:1.7rem;line-height:1.35;color:var(--navy);font-weight:500;margin:26px 0 10px}
.cmp-wrap{overflow-x:auto;margin-top:34px;-webkit-overflow-scrolling:touch}
.cmp{width:100%;min-width:620px;border-collapse:collapse;background:#fff;font-size:.95rem}
.cmp th,.cmp td{padding:16px 18px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}
.cmp thead th{background:var(--navy);color:#fff;font-family:"Montserrat",Arial,sans-serif;font-weight:500;font-size:.74rem;text-transform:uppercase;letter-spacing:.16em}
.cmp thead th:first-child{background:#0a1529}
.cmp tbody th{font-family:"Montserrat",Arial,sans-serif;font-weight:600;color:var(--navy);width:24%}
.cmp tbody tr:nth-child(even) td,.cmp tbody tr:nth-child(even) th{background:var(--cream)}
.costs{list-style:none;padding:0;margin:28px 0;display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:22px}
.costs li{background:#fff;border:1px solid var(--line);border-left:2px solid var(--gold);padding:22px 24px}
.costs li strong{display:block;font-family:"Cormorant Garamond",Georgia,serif;font-size:1.35rem;color:var(--navy);font-weight:600;margin-bottom:4px}
.tiles{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:34px}
.tile{background:#fff;border:1px solid var(--line);border-top:2px solid var(--gold);padding:30px 26px;text-align:center}
.tile .lbl{font-family:"Montserrat",Arial,sans-serif;font-size:.72rem;text-transform:uppercase;letter-spacing:.18em;color:var(--muted)}
.tile .amt{font-family:"Cormorant Garamond",Georgia,serif;font-size:2.8rem;color:var(--navy);font-weight:500;line-height:1.1;margin:10px 0 4px}
.tile .bar{height:6px;background:var(--line);margin-top:16px}
.tile .bar span{display:block;height:100%;background:var(--gold)}
.tile.low .amt{color:var(--gold)}
.big-diff{font-family:"Cormorant Garamond",Georgia,serif;font-size:2.1rem;color:var(--navy);text-align:center;margin:40px auto 6px;max-width:760px;line-height:1.25}
.qs{list-style:none;padding:0;margin:24px 0;columns:2;column-gap:40px}
.qs li{break-inside:avoid;padding:12px 0 12px 30px;border-bottom:1px solid var(--line);position:relative;font-weight:400}
.qs li:before{content:"?";position:absolute;left:0;top:10px;font-family:"Cormorant Garamond",Georgia,serif;font-size:1.4rem;color:var(--gold);font-weight:700}
.picture{display:flex;flex-wrap:wrap;gap:10px;margin:22px 0}
.picture span{border:1px solid var(--gold);padding:8px 16px;font-family:"Montserrat",Arial,sans-serif;font-size:.78rem;letter-spacing:.12em;text-transform:uppercase;color:var(--navy);background:#fff}
.reframe{text-align:center;max-width:760px;margin:0 auto}
.reframe .no{font-family:"Cormorant Garamond",Georgia,serif;font-size:1.8rem;color:var(--muted);text-decoration:line-through;text-decoration-color:var(--gold)}
.reframe .yes{font-family:"Cormorant Garamond",Georgia,serif;font-size:2.4rem;color:var(--navy);line-height:1.2;margin-top:8px}
.ticks{list-style:none;padding:0;columns:2;column-gap:40px;margin:26px 0}
.ticks li{break-inside:avoid;padding:9px 0 9px 32px;position:relative}
.ticks li:before{content:"\2713";position:absolute;left:0;color:var(--gold);font-weight:700}
.steps-list{counter-reset:n;list-style:none;padding:0;margin:26px 0}
.steps-list li{counter-increment:n;position:relative;padding:14px 0 14px 54px;border-bottom:1px solid var(--line)}
.steps-list li:before{content:counter(n);position:absolute;left:0;top:12px;width:36px;height:36px;border:1px solid var(--gold);color:var(--gold);font-family:"Cormorant Garamond",Georgia,serif;font-size:1.3rem;display:flex;align-items:center;justify-content:center}
.fine{font-size:.82rem;color:var(--muted);line-height:1.6}
.sources{font-size:.82rem;color:var(--muted);margin-top:30px}
@media(max-width:760px){.tiles{grid-template-columns:1fr}.qs,.ticks{columns:1}}
/* align card buttons to the bottom */
.grid{align-items:stretch}
.card{display:flex;flex-direction:column}
.card>.btn:last-child{margin-top:auto;align-self:flex-start}
.card>p:nth-last-child(2){margin-bottom:26px}

/* services: investment management */
.im-grid{grid-template-columns:repeat(auto-fit,minmax(300px,1fr))}
.lead-in{font-family:"Cormorant Garamond",Georgia,serif;font-style:italic;font-size:1.25rem;line-height:1.4;color:var(--gold);margin:0 0 12px}
.review-cta{margin-top:40px;background:#fff;border:1px solid var(--line);border-top:2px solid var(--gold);padding:34px 32px}
.review-cta h3{margin-top:0}
/* services: foundation plan */
.fp-grid{grid-template-columns:repeat(auto-fit,minmax(340px,1fr))}
.card .ticks{columns:1;margin:6px 0 16px}
.card .ticks li{padding:6px 0 6px 28px}
.outcomes{list-style:none;padding:0;margin:30px 0 40px;display:grid;grid-template-columns:repeat(2,1fr);gap:0 40px}
.outcomes li{padding:16px 0 16px 34px;border-bottom:1px solid var(--line);position:relative;font-family:"Cormorant Garamond",Georgia,serif;font-size:1.3rem;color:var(--navy);font-weight:600}
.outcomes li:before{content:"\2713";position:absolute;left:0;top:16px;color:var(--gold);font-family:"Montserrat",Arial,sans-serif;font-size:1rem}
.fee-box{max-width:720px;margin:40px auto 0;text-align:center;background:var(--navy);color:#fff;padding:54px 44px;border-top:2px solid var(--gold)}
.fee-box p{opacity:.9}
.fee-box h3{color:#fff;margin:30px 0 18px}
.fee-amt{font-family:"Cormorant Garamond",Georgia,serif;font-size:4rem;line-height:1;color:var(--gold2)}
.fee-lbl{font-family:"Montserrat",Arial,sans-serif;font-size:.74rem;text-transform:uppercase;letter-spacing:.22em;color:var(--gold2);margin:10px 0 26px}
@media(max-width:760px){.outcomes{grid-template-columns:1fr}.fp-grid{grid-template-columns:1fr}.fee-box{padding:40px 24px}}
/* homepage restructure */
.center-rule:after{margin-left:auto!important;margin-right:auto!important}
.step-tag{font-family:"Montserrat",Arial,sans-serif;font-size:.72rem;text-transform:uppercase;letter-spacing:.2em;color:var(--gold);font-weight:600;margin-bottom:12px}
a.card.path{text-decoration:none;color:var(--ink)}
a.card.path p{flex:1}
.arrow-link{font-family:"Montserrat",Arial,sans-serif;font-size:.78rem;text-transform:uppercase;letter-spacing:.16em;font-weight:600;color:var(--navy);margin-top:10px}
a.card.path:hover .arrow-link{color:var(--gold)}
.equation{display:flex;flex-wrap:wrap;align-items:center;justify-content:center;gap:12px;margin-top:56px;padding:34px 20px;background:#fff;border:1px solid var(--line);border-top:2px solid var(--gold)}
.eq-item{font-family:"Cormorant Garamond",Georgia,serif;font-size:1.45rem;font-weight:600;color:var(--navy);padding:6px 16px;border:1px solid var(--line)}
.eq-op{font-family:"Cormorant Garamond",Georgia,serif;font-size:1.8rem;color:var(--gold)}
.eq-total{background:var(--navy);color:#fff;border-color:var(--navy)}
.district-band{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;padding:90px 0}
.district-band h2{color:#fff}
.district-band .eyebrow{color:var(--gold2)}
.district-band p{opacity:.9;max-width:640px}
.district-inner{display:grid;grid-template-columns:1fr auto;gap:50px;align-items:center}
.why-grid{grid-template-columns:repeat(auto-fit,minmax(230px,1fr))}
.calc-feature{display:grid;grid-template-columns:1.2fr 1fr;gap:50px;align-items:center}
.calc-example{list-style:none;padding:0;margin:26px 0 0}
.calc-example li{display:flex;justify-content:space-between;gap:20px;padding:14px 0;border-bottom:1px solid var(--line)}
.calc-example span{color:var(--muted)}
.calc-example strong{font-family:"Cormorant Garamond",Georgia,serif;font-size:1.4rem;color:var(--navy)}
.calc-result{background:var(--navy);color:#fff;text-align:center;padding:50px 36px;border-top:2px solid var(--gold)}
.calc-result .lbl{font-family:"Montserrat",Arial,sans-serif;font-size:.72rem;text-transform:uppercase;letter-spacing:.2em;color:var(--gold2)}
.calc-result .big{font-family:"Cormorant Garamond",Georgia,serif;font-size:4.2rem;line-height:1;color:#fff;margin:16px 0 8px}
.calc-result .btn{margin-top:28px}
.final-cta h2{font-size:3rem}
.final-cta .final-sub{font-family:"Cormorant Garamond",Georgia,serif;font-size:2rem;font-style:italic;color:var(--gold2);margin:-4px 0 18px}
.final-cta p{max-width:640px;margin-left:auto;margin-right:auto}
@media(max-width:820px){.district-inner,.calc-feature{grid-template-columns:1fr;gap:30px}.final-cta h2{font-size:2.2rem}.eq-item{font-size:1.15rem}}
/* anchor offset for sticky header */
html{scroll-behavior:smooth}
section[id],details[id]{scroll-margin-top:110px}

/* about page v2 */
.hero-about h1{font-size:2.9rem;max-width:900px}
.story-split{grid-template-columns:1.3fr .9fr;align-items:start}
.story-img{position:sticky;top:120px;height:560px;object-position:center 25%}
.story .lead{font-family:"Cormorant Garamond",Georgia,serif;font-size:1.9rem;color:var(--navy);font-weight:500;margin:6px 0 18px}
.story-close{font-family:"Cormorant Garamond",Georgia,serif;font-size:1.45rem;color:var(--navy);font-weight:600;border-left:2px solid var(--gold);padding-left:18px;margin-top:28px}
.signature span{font-family:"Montserrat",Arial,sans-serif;font-style:normal;font-size:.72rem;text-transform:uppercase;letter-spacing:.2em;color:var(--muted)}
.team p{text-align:left}
.team h3,.team p:first-of-type{text-align:center}
@media(max-width:820px){.hero-about h1{font-size:2.1rem}.story-img{position:static;height:380px}}
/* fee calculator v2 */
:root{--sA:#a8792a;--sB:#2f5aa8}
.fc-layout{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start}
.fc-group{margin-bottom:30px}
.fc-fields{display:grid;grid-template-columns:1fr 1fr;gap:18px 22px}
.fc-fields label{display:flex;flex-direction:column;justify-content:flex-end;font-family:"Montserrat",Arial,sans-serif;font-size:.74rem;text-transform:uppercase;letter-spacing:.1em;font-weight:500;color:var(--navy);gap:8px}
.fc-fields input{width:100%;padding:12px 14px;border:1px solid var(--line);border-radius:0;font-family:"Montserrat",Arial,sans-serif;font-size:1rem;color:var(--ink);text-transform:none;letter-spacing:0}
.fc-fields input:focus{outline:none;border-color:var(--gold)}
.fc-help{font-size:.9rem;color:var(--muted);margin-top:16px;border-left:2px solid var(--gold);padding-left:14px}
.fc-pair{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.fc-port{background:#fff;border:1px solid var(--line);padding:20px 20px 18px}
.fc-port.a{border-top:3px solid var(--sA)}.fc-port.b{border-top:3px solid var(--sB)}
.fc-lbl{font-family:"Montserrat",Arial,sans-serif;font-size:.68rem;text-transform:uppercase;letter-spacing:.16em;color:var(--muted);display:flex;align-items:center;gap:8px}
.fc-lbl.light{color:var(--gold2);justify-content:center}
.fc-val{font-family:"Cormorant Garamond",Georgia,serif;font-size:2rem;color:var(--navy);font-weight:600;margin:8px 0 2px}
.fc-sub{font-size:.85rem;color:var(--muted)}
.sw{display:inline-block;width:12px;height:3px;border-radius:2px;vertical-align:middle;margin-right:6px}
.sw-a{background:var(--sA)}.sw-b{background:var(--sB)}
.fc-impact{margin-top:16px;background:var(--navy);color:#fff;text-align:center;padding:34px 26px;border-top:2px solid var(--gold)}
.fc-big{font-family:"Cormorant Garamond",Georgia,serif;font-size:4.6rem;line-height:1;margin:12px 0 6px;color:#fff}
.fc-less{font-family:"Montserrat",Arial,sans-serif;font-size:.78rem;text-transform:uppercase;letter-spacing:.14em;color:var(--gold2);margin-bottom:16px}
.fc-impact p{margin:8px 0 0;opacity:.9;font-size:.95rem}
.fc-impact .fc-note{font-style:italic;opacity:.75}
.fc-chart-wrap{margin-top:56px;background:#fff;border:1px solid var(--line);padding:30px 30px 24px}
.fc-chart-head{display:flex;justify-content:space-between;align-items:baseline;flex-wrap:wrap;gap:12px}
.fc-chart-head h3{margin:0}
.fc-legend{display:flex;gap:20px;flex-wrap:wrap;font-size:.85rem;color:var(--ink)}
.fc-legend .sw{width:16px}
.fc-chart{position:relative;margin-top:18px;height:360px}
.fc-chart svg{width:100%;height:100%;display:block;overflow:visible}
.fc-grid{stroke:#ece7dc;stroke-width:1}
.fc-axis{font-family:"Montserrat",Arial,sans-serif;font-size:12px;fill:var(--muted)}
.fc-line{fill:none;stroke-width:2;vector-effect:non-scaling-stroke;stroke-linejoin:round}
.fc-line-a{stroke:var(--sA)}.fc-line-b{stroke:var(--sB)}
.fc-gap{fill:var(--sB);opacity:.08}
.fc-dot{stroke:#fff;stroke-width:2;vector-effect:non-scaling-stroke}
.fc-dot-a{fill:var(--sA)}.fc-dot-b{fill:var(--sB)}
.fc-cross{stroke:var(--muted);stroke-width:1;stroke-dasharray:3 3;vector-effect:non-scaling-stroke}
.fc-tip{position:absolute;top:0;transform:translateX(-50%);background:#fff;border:1px solid var(--line);box-shadow:0 8px 24px rgba(15,31,58,.12);padding:10px 12px;font-size:.82rem;pointer-events:none;display:flex;flex-direction:column;gap:3px;white-space:nowrap;color:var(--ink)}
.fc-tip .tdiff{font-weight:600;color:var(--navy);border-top:1px solid var(--line);padding-top:4px;margin-top:2px}
.fc-miles{display:grid;grid-template-columns:repeat(auto-fit,minmax(140px,1fr));gap:0;margin-top:26px;border-top:1px solid var(--line)}
.fc-mile{padding:18px 16px;border-right:1px solid var(--line);text-align:center}
.fc-mile:last-child{border-right:none}
.fc-mile span{display:block;font-family:"Montserrat",Arial,sans-serif;font-size:.68rem;text-transform:uppercase;letter-spacing:.16em;color:var(--muted)}
.fc-mile strong{display:block;font-family:"Cormorant Garamond",Georgia,serif;font-size:1.8rem;color:var(--navy);margin:6px 0 0}
.fc-mile em{font-style:normal;font-size:.8rem;color:var(--muted)}
.fc-mile.last strong{font-size:2.6rem;color:var(--gold)}
.fc-table{margin-top:18px}
.fc-table summary{font-size:.9rem}
.fc-find summary{font-family:"Cormorant Garamond",Georgia,serif;font-size:1.7rem;color:var(--navy);font-weight:600}
@media(max-width:900px){.fc-layout{grid-template-columns:1fr}.fc-big{font-size:3.4rem}}
@media(max-width:520px){.fc-fields,.fc-pair{grid-template-columns:1fr}.fc-chart{height:260px}.fc-chart-wrap{padding:20px 14px}}
.fc-tip[hidden]{display:none}

/* free guide v2 */
.g-layout{display:grid;grid-template-columns:1.5fr 1fr;gap:56px;align-items:start}
.g-group{margin-bottom:40px}
.g-q{display:grid;grid-template-columns:34px 1fr;gap:14px;padding:18px 0;border-bottom:1px solid var(--line);cursor:pointer;position:relative}
.g-q input{position:absolute;opacity:0;width:1px;height:1px}
.g-box{width:26px;height:26px;border:1.5px solid var(--gold);background:#fff;margin-top:2px;display:flex;align-items:center;justify-content:center;transition:background .15s}
.g-q input:checked + .g-box{background:var(--navy);border-color:var(--navy)}
.g-q input:checked + .g-box:after{content:"\2713";color:#fff;font-size:15px;font-weight:700}
.g-q input:focus-visible + .g-box{outline:2px solid var(--gold);outline-offset:2px}
.g-q strong{display:block;font-family:"Cormorant Garamond",Georgia,serif;font-size:1.4rem;color:var(--navy);font-weight:600;line-height:1.3;margin-bottom:4px}
.g-q span:last-child{color:var(--ink);font-size:.98rem}
.g-tip{color:var(--muted);font-size:.9rem;font-style:italic}
.g-score{position:sticky;top:110px;background:var(--navy);color:#fff;text-align:center;padding:40px 30px;border-top:2px solid var(--gold)}
.g-score .lbl{font-family:"Montserrat",Arial,sans-serif;font-size:.72rem;text-transform:uppercase;letter-spacing:.2em;color:var(--gold2)}
.g-num{font-family:"Cormorant Garamond",Georgia,serif;font-size:5rem;line-height:1;margin:14px 0 10px}
.g-num small{font-size:2rem;color:var(--gold2)}
.g-bar{height:6px;background:rgba(255,255,255,.15);margin:0 0 24px}
.g-bar span{display:block;height:100%;width:0;background:var(--gold);transition:width .3s}
.g-score h3{color:#fff;font-size:1.6rem;margin:0 0 10px}
.g-score p{opacity:.9;font-size:.95rem;margin-bottom:24px}
.g-tiers .card{opacity:.55;transition:opacity .2s,transform .2s}
.g-tiers .card.active{opacity:1;transform:translateY(-4px);box-shadow:0 18px 40px rgba(15,31,58,.08)}
.g-two{display:grid;grid-template-columns:1.1fr 1fr;gap:56px;align-items:start}
.g-copy{background:var(--cream);border:1px solid var(--line);border-top:2px solid var(--gold);padding:36px 32px}
.g-copy h3{margin-top:0}
.g-copy .wf-form{grid-template-columns:1fr}
.wf-skeleton span.short{height:46px;width:60%}
.g-printonly{display:none}
@media(max-width:900px){.g-layout,.g-two{grid-template-columns:1fr}.g-score{position:static}}
@media print{.noprint{display:none!important}.g-printonly{display:block!important;padding:10px 0}.g-layout{grid-template-columns:1fr}.g-q{break-inside:avoid;padding:10px 0}.g-box{border-color:#333}.hero p.noprint{display:none}}
/* faq v2 */
.faq-wrap{max-width:860px;margin:0 auto}
.faq-chips{display:flex;flex-wrap:wrap;gap:10px;margin-bottom:46px}
.faq-chips a{border:1px solid var(--gold);padding:9px 16px;font-family:"Montserrat",Arial,sans-serif;font-size:.72rem;text-transform:uppercase;letter-spacing:.14em;color:var(--navy);text-decoration:none;background:#fff}
.faq-chips a:hover{background:var(--navy);color:#fff;border-color:var(--navy)}
.faq-cat{margin-bottom:56px}
.faq-cat .step-tag{font-size:.8rem;margin-bottom:6px}
.faq-cat details summary{font-family:"Cormorant Garamond",Georgia,serif;font-size:1.35rem;font-weight:600;letter-spacing:0;list-style:none;position:relative;padding-right:36px}
.faq-cat details summary::-webkit-details-marker{display:none}
.faq-cat details summary:after{content:"+";position:absolute;right:4px;top:-2px;color:var(--gold);font-size:1.6rem;font-family:"Montserrat",Arial,sans-serif;font-weight:300}
.faq-cat details[open] summary:after{content:"\2212"}
.faq-cat details p{margin:12px 0 0}
.faq-cat details[open]{padding-bottom:22px}

/* contact v2 */
.sched{display:grid;grid-template-columns:.85fr 1.15fr;gap:48px;align-items:start}
.note-box{margin-top:30px;background:#fff;border:1px solid var(--line);border-left:3px solid var(--gold);padding:24px 26px}
.note-box h3{margin:0 0 8px;font-size:1.35rem}
.note-box p{margin:6px 0 0;font-size:.95rem}
.sched-cal{background:#fff;border:1px solid var(--line);border-top:2px solid var(--gold)}
.contact-info h3{font-size:1.5rem}
.meet-note{font-style:italic;color:var(--gold);font-family:"Cormorant Garamond",Georgia,serif;font-size:1.15rem}
@media(max-width:900px){.sched{grid-template-columns:1fr}}
/* annuities v2 */
.big-qs{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:30px}
.big-q{background:#fff;border:1px solid var(--line);border-top:2px solid var(--gold);padding:30px 26px}
.big-q .n{font-family:"Cormorant Garamond",Georgia,serif;font-size:3rem;color:var(--gold);line-height:1}
.big-q p{font-family:"Cormorant Garamond",Georgia,serif;font-size:1.6rem;color:var(--navy);font-weight:600;line-height:1.25;margin:10px 0 0}
.callout{background:var(--navy);color:#fff;padding:30px 32px;margin-top:30px;border-left:3px solid var(--gold)}
.callout strong{display:block;font-family:"Cormorant Garamond",Georgia,serif;font-size:1.6rem;font-weight:600;color:#fff;margin-bottom:6px}
.mantra{font-family:"Cormorant Garamond",Georgia,serif;font-size:2rem;color:var(--navy);line-height:1.3}
.mantra em{color:var(--gold)}
.table-note{text-align:center;font-family:"Cormorant Garamond",Georgia,serif;font-size:1.45rem;color:var(--navy);margin-top:28px;font-weight:600}
@media(max-width:760px){.big-qs{grid-template-columns:1fr}}

/* mobile header & menu */
.nav-toggle{display:none;width:46px;height:46px;border:1px solid var(--line);background:#fff;padding:0;cursor:pointer;flex-direction:column;align-items:center;justify-content:center;gap:5px;flex-shrink:0}
.nav-toggle span{display:block;width:20px;height:1.5px;background:var(--navy);transition:transform .25s,opacity .2s}
header.nav-open .nav-toggle span:nth-child(1){transform:translateY(6.5px) rotate(45deg)}
header.nav-open .nav-toggle span:nth-child(2){opacity:0}
header.nav-open .nav-toggle span:nth-child(3){transform:translateY(-6.5px) rotate(-45deg)}
.nav a[aria-current="page"]:not(.btn){color:var(--gold)}
@media(max-width:900px){
  header{position:sticky}
  .bar{flex-wrap:nowrap!important;padding:12px 0!important}
  .nav-toggle{display:flex}
  .nav{display:none;position:absolute;top:100%;left:0;right:0;background:#fff;flex-direction:column;align-items:stretch;padding:8px 24px 26px;border-top:1px solid var(--line);box-shadow:0 18px 30px rgba(15,31,58,.12);max-height:calc(100vh - 80px);overflow-y:auto}
  header.nav-open .nav{display:flex}
  .nav a,.nav a:not(.btn){margin:0!important;padding:16px 2px;border-bottom:1px solid var(--line);font-size:.86rem!important;letter-spacing:.14em!important}
  .nav a.btn{margin:20px 0 0!important;padding:16px;text-align:center;border-bottom:none;color:#fff!important}
  .brand .logo{height:34px}
  .brand-text{font-size:1.3rem!important}
  body.menu-lock{overflow:hidden}
}
@media(max-width:380px){.brand .logo{height:28px}.brand-text{font-size:1.15rem!important}.brand-text em{font-size:.9rem!important}}
@media(max-width:900px){.bar{padding:12px 20px!important;gap:12px}.nav{padding:8px 20px 26px}}

/* higher-ed wording support */
.where-form{display:flex;flex-direction:column;gap:10px;min-width:320px}
.where-form label{font-family:"Montserrat",Arial,sans-serif;font-size:.72rem;text-transform:uppercase;letter-spacing:.16em;color:var(--gold2)}
.where-form input{padding:15px 16px;border:1px solid rgba(255,255,255,.35);background:rgba(255,255,255,.08);color:#fff;font-family:"Montserrat",Arial,sans-serif;font-size:1rem;border-radius:0}
.where-form input::placeholder{color:rgba(255,255,255,.55)}
.where-form input:focus{outline:none;border-color:var(--gold)}
.where-form .btn{cursor:pointer;border:none}
.levels{padding:56px 0;border-bottom:1px solid var(--line)}
.levels-inner{max-width:820px;margin:0 auto;text-align:center}
.levels-inner p{font-family:"Cormorant Garamond",Georgia,serif;font-size:1.6rem;line-height:1.45;color:var(--navy);margin-top:10px}
@media(max-width:820px){.where-form{min-width:0}.levels-inner p{font-size:1.3rem}}