:root{--brand:#780e2a;--brand-d:#5a0a1f;--plum:#3b145b;--ink:#212121;--muted:#5f5f5f;--line:#e6e6e6;--bg-alt:#f7f3f4;--radius:12px}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:90px}
body{margin:0;font:16px/1.65 "Open Sans",system-ui,-apple-system,Segoe UI,Arial,sans-serif;color:var(--ink);background:#fff}
img{max-width:100%;height:auto;display:block}
a{color:var(--brand)}a:hover{color:var(--brand-d)}
:focus-visible{outline:3px solid #f0b429;outline-offset:2px}
h1,h2,h3{line-height:1.25;margin:0 0 .6em}h1{font-size:clamp(1.9rem,4vw,3rem)}h2{font-size:clamp(1.4rem,2.6vw,2rem)}h3{font-size:1.2rem}
.wrap{max-width:1160px;margin:0 auto;padding:0 20px}.narrow{max-width:760px}.center{text-align:center}
.sr-only{position:absolute!important;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.skip{position:absolute;left:-999px;top:0;background:#fff;padding:8px;z-index:100}.skip:focus{left:8px}
.btn{display:inline-block;padding:.7em 1.3em;border-radius:999px;font-weight:600;text-decoration:none;border:2px solid transparent;line-height:1.2;cursor:pointer;font-size:1rem}
.btn-primary{background:var(--brand);color:#fff}.btn-primary:hover{background:var(--brand-d);color:#fff}
.btn-outline{border-color:var(--brand);color:var(--brand);background:#fff}.btn-outline:hover{background:var(--brand);color:#fff}
.btn-ghost{border-color:#fff;color:#fff;background:transparent}.btn-ghost:hover{background:#fff;color:var(--brand)}
.btn-light{background:#fff;color:var(--brand)}.btn-lg{font-size:1.08rem;padding:.85em 1.6em}
.btns{display:flex;flex-wrap:wrap;gap:12px}.center .btns,.cta .btns{justify-content:center}
/* header */
.topbar{position:sticky;top:0;z-index:50;background:#fff;box-shadow:0 1px 0 var(--line),0 4px 16px rgba(0,0,0,.04)}
.bar{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:76px}
.brand img{width:190px}
.menu{list-style:none;margin:0;padding:0;display:flex;align-items:center;gap:4px}
.menu>li{position:relative}.menu a{display:block;padding:10px 12px;text-decoration:none;color:var(--ink);font-weight:600;border-radius:8px}
.menu a:hover,.menu a[aria-current=page],.menu a.is-active{color:var(--brand)}
.menu a[aria-current=page]{box-shadow:inset 0 -2px 0 var(--brand)}
.menu .menu-cta a{color:#fff;margin-left:8px;box-shadow:none}
.has-sub{display:flex;align-items:center}.sub-toggle{background:none;border:0;padding:6px;cursor:pointer;color:var(--ink);font-size:14px}
.sub{list-style:none;margin:0;padding:8px;position:absolute;top:100%;left:0;min-width:260px;background:#fff;border:1px solid var(--line);border-radius:10px;box-shadow:0 10px 30px rgba(0,0,0,.1);display:none}
.sub a{font-weight:400;padding:8px 12px}.sub a:hover{background:var(--bg-alt)}
.has-sub:hover .sub,.has-sub:focus-within .sub,.has-sub.open .sub{display:block}
.menu-toggle{display:none;background:var(--brand);color:#fff;border:0;border-radius:8px;padding:10px 14px;font-weight:600}
@media(max-width:980px){.menu-toggle{display:block}.topbar nav{position:absolute;left:0;right:0;top:100%;background:#fff;border-top:1px solid var(--line);display:none;box-shadow:0 10px 20px rgba(0,0,0,.08)}
.topbar nav.open{display:block}.menu{flex-direction:column;align-items:stretch;padding:10px 20px 20px}.has-sub{flex-wrap:wrap}.has-sub>a{flex:1}
.sub{position:static;display:none;box-shadow:none;border:0;width:100%;padding:0 0 0 12px}.has-sub:hover .sub,.has-sub:focus-within .sub{display:none}.has-sub.open .sub{display:block}
.menu .menu-cta a{margin:10px 0 0;text-align:center}.brand img{width:160px}}
/* hero */
.hero{background:linear-gradient(90deg,rgba(40,8,18,.82),rgba(40,8,18,.45) 60%,rgba(40,8,18,.15)),url(../img/hero.jpg) center/cover;color:#fff;padding:clamp(56px,9vw,120px) 0}
.hero-inner{max-width:640px}.eyebrow{text-transform:uppercase;letter-spacing:.08em;font-size:.85rem;font-weight:600;opacity:.9;margin:0 0 .5em}
.hero h1{margin-bottom:.2em}.hero-sub{font-size:1.4rem;font-style:italic;font-family:Georgia,serif;margin:0 0 1em}
.page-hero{background:linear-gradient(90deg,var(--brand),var(--plum));color:#fff;padding:48px 0}.page-hero .lead{max-width:760px;margin:0;font-size:1.1rem;opacity:.95}
.section{padding:clamp(48px,7vw,88px) 0}.section.alt{background:var(--bg-alt)}.lead{font-size:1.12rem}
.split{display:grid;grid-template-columns:1.2fr 1fr;gap:48px;align-items:center}.rounded{border-radius:var(--radius)}
@media(max-width:800px){.split{grid-template-columns:1fr}}
/* tiles */
.tiles{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:20px;margin-top:24px}
.tile{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;text-decoration:none;color:var(--ink);transition:transform .15s,box-shadow .15s}
.tile:hover{transform:translateY(-3px);box-shadow:0 12px 28px rgba(0,0,0,.08);color:var(--ink)}
.tile img{aspect-ratio:5/3;object-fit:cover;width:100%}.tile-icon{aspect-ratio:5/3;display:grid;place-items:center;font-size:3rem;background:linear-gradient(135deg,#f5e8ec,#ece6f2)}
.tile-body{padding:18px;display:flex;flex-direction:column;flex:1}.tile-body p{font-size:.95rem;color:var(--muted);flex:1}.more{color:var(--brand);font-weight:600}
/* team */
.team-strip{display:flex;flex-wrap:wrap;justify-content:center;gap:28px;margin:28px 0}
.mini{display:flex;flex-direction:column;align-items:center;text-align:center;text-decoration:none;color:var(--ink);width:180px}.mini span{color:var(--muted);font-size:.9rem}
.avatar{width:140px;height:140px;border-radius:50%;object-fit:cover;object-position:center 20%;border:3px solid #fff;box-shadow:0 4px 14px rgba(0,0,0,.12);margin-bottom:10px;flex:0 0 auto}
.avatar.initial{display:grid;place-items:center;background:linear-gradient(135deg,var(--brand),var(--plum));color:#fff;font-size:3.2rem;font-weight:700}
.people{display:grid;grid-template-columns:repeat(auto-fit,minmax(400px,1fr));gap:24px}
.person{display:flex;gap:20px;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px}
.person h3{margin-bottom:.2em}.suf{font-size:.85em;font-weight:400}.titles{color:var(--muted);margin:0 0 .6em}
.plain{list-style:none;padding:0;margin:0}.plain li{margin:.15em 0;overflow-wrap:anywhere}
@media(max-width:480px){.person{flex-direction:column;align-items:flex-start}.avatar{width:96px;height:96px}.avatar.initial{font-size:2.2rem}.people{grid-template-columns:1fr}}
/* prose / toc */
.with-toc{display:grid;grid-template-columns:240px 1fr;gap:48px;padding-top:48px;padding-bottom:48px}
.toc{position:sticky;top:100px;align-self:start}.toc h2{font-size:1rem;text-transform:uppercase;letter-spacing:.06em;color:var(--muted)}.toc ul{list-style:none;padding:0;margin:0 0 20px}.toc a{display:block;padding:6px 0;text-decoration:none;border-left:2px solid var(--line);padding-left:12px}.toc a:hover{border-color:var(--brand)}
.prose{max-width:780px}.prose-sec{padding-bottom:28px;margin-bottom:28px;border-bottom:1px solid var(--line)}.prose-sec:last-child{border:0}
.prose h2{color:var(--brand)}.prose ul{padding-left:1.2em}.prose li{margin:.3em 0}
@media(max-width:860px){.with-toc{grid-template-columns:1fr}.toc{position:static}}
.doclist{list-style:none;padding:0!important}.doclist li{padding:10px 0;border-bottom:1px solid var(--line)}.tag{font-size:.75rem;background:var(--bg-alt);border-radius:4px;padding:2px 6px;color:var(--muted)}
/* contact */
.contact-grid{display:grid;grid-template-columns:1fr 1.1fr;gap:40px;align-items:start}@media(max-width:860px){.contact-grid{grid-template-columns:1fr}}
.contact-card{display:flex;gap:22px}.contact-card .org{margin:0;color:var(--muted)}@media(max-width:480px){.contact-card{flex-direction:column}}
.cform{background:var(--bg-alt);border-radius:var(--radius);padding:24px}.cform label{display:block;font-weight:600;margin-bottom:14px;font-size:.95rem}
.cform input,.cform select,.cform textarea{display:block;width:100%;margin-top:6px;padding:10px 12px;border:1px solid #c9c2c5;border-radius:8px;font:inherit;background:#fff}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:14px}@media(max-width:560px){.row2{grid-template-columns:1fr}}.small{font-size:.85rem;color:var(--muted)}.form-msg{margin-top:10px;font-weight:600}
/* cta + footer */
.cta{background:linear-gradient(90deg,var(--brand),var(--plum));color:#fff;text-align:center;padding:64px 0}.cta a:not(.btn){color:#fff}.cta p{max-width:720px;margin:0 auto 1em}
.site-footer{background:#262626;color:#ddd;font-size:.92rem}.site-footer a{color:#f3c9d4}.site-footer h2{font-size:1rem;color:#fff;margin-bottom:.8em}
.fgrid{display:grid;grid-template-columns:1.3fr 1fr 1.2fr 1.2fr;gap:32px;padding-top:48px;padding-bottom:36px}.site-footer ul{list-style:none;padding:0;margin:0}.site-footer li{margin:.35em 0}
.site-footer .btn-primary{color:#fff}
@media(max-width:860px){.fgrid{grid-template-columns:1fr 1fr}}@media(max-width:520px){.fgrid{grid-template-columns:1fr}}
.disclosures{background:#1b1b1b;padding:28px 0;font-size:.8rem;text-align:center;color:#bbb}.disclosures p{margin:.5em auto;max-width:980px}.disclosures img{margin:0 auto 14px;background:#fff;padding:6px;border-radius:6px}
/* articles */
.art-list .art-item{padding:22px 0;border-bottom:1px solid var(--line)}.art-list h2{font-size:1.3rem;margin:0 0 .4em}.art-list h2 a{text-decoration:none}.art-list .more{font-weight:600;text-decoration:none}
.page-hero .byline{font-size:.95rem;opacity:.85}.article-body hr{border:0;border-top:1px solid var(--line);margin:28px 0}.article-body .back{margin-top:28px}
a[href^="tel:"],a[href^="mailto:"]{white-space:nowrap}
/* mobile tap targets */
@media(max-width:768px){
.btn,.btn-lg,button.btn{min-height:48px;padding:.85em 1.4em;font-size:1.05rem;display:inline-flex;align-items:center;justify-content:center}
.hero .btns .btn,.cta .btns .btn,.contact-card .btn,.cform button.btn,.prose-sec .btn-primary,.toc .btn,.site-footer .btn,.back .btn{width:100%}
.btns{flex-direction:column;align-items:stretch}
.menu a{min-height:48px;display:flex;align-items:center;padding:12px 14px;font-size:1.05rem}
.menu .menu-cta a{justify-content:center;min-height:52px}
.menu-toggle{min-height:48px;min-width:48px;padding:12px 18px;font-size:1rem}
.sub-toggle{min-width:48px;min-height:48px}
.plain li,.site-footer li{padding:4px 0}.plain a,.site-footer li a,.toc li a{display:inline-block;padding:8px 0;min-height:44px}
}
/* v3 */
.cta-strip{background:#f6f1f3;padding:36px 0;border-top:1px solid var(--line)}
.strip3{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.sbox{display:flex;flex-direction:column;gap:4px;align-items:center;text-align:center;background:#fff;border:1px solid var(--line);border-radius:14px;padding:22px 16px;text-decoration:none;color:var(--ink);box-shadow:0 4px 14px rgba(0,0,0,.05)}
a.sbox:hover{border-color:var(--brand)}.sbox strong{color:var(--brand);font-size:1.15rem}.sic{font-size:1.8rem}
.svc2{display:grid;grid-template-columns:1fr 1fr;gap:40px}.svc-col img{width:100%;height:auto}
.ticks{list-style:none;padding:0}.ticks li{padding:6px 0 6px 26px;position:relative;border-bottom:1px solid var(--line)}.ticks li:before{content:"✓";position:absolute;left:0;color:var(--brand);font-weight:700}
.svc-col .btns{gap:10px}
.spec{list-style:none;padding:0;display:flex;flex-wrap:wrap;justify-content:center;gap:10px}.spec li{background:#fff;border:1px solid var(--line);border-radius:999px;padding:8px 16px;font-weight:600}
.info2{display:grid;grid-template-columns:1fr 1fr;gap:24px}.infobox{border:1px solid var(--line);border-radius:14px;padding:24px}.infobox h2{margin-top:0}
.site-footer .area{font-style:italic}
@media(max-width:768px){.strip3,.svc2,.info2{grid-template-columns:1fr}.sbox{min-height:48px;padding:18px}.sbox a{display:inline-block;padding:10px 0;min-height:44px}.svc-col .btns .btn{width:100%}.ticks li a{display:inline-block;min-height:40px;padding:6px 0}}
/* v4 photos */
.hero{background:linear-gradient(90deg,rgba(20,10,30,.80),rgba(20,10,30,.50) 55%,rgba(20,10,30,.20)),url(../img/hero.jpg) 50% 60%/cover}
.page-hero.ph-photo{padding:80px 0;text-shadow:0 1px 3px rgba(0,0,0,.4)}
.ph-photo{background-size:cover;background-position:center}
.ph-downtown{background-image:linear-gradient(90deg,rgba(20,10,30,.78),rgba(20,10,30,.35)),url(../img/ph-downtown.jpg)}
.ph-westside{background-image:linear-gradient(90deg,rgba(20,10,30,.78),rgba(20,10,30,.35)),url(../img/ph-westside.jpg)}
.ph-knox{background-image:linear-gradient(90deg,rgba(20,10,30,.78),rgba(20,10,30,.35)),url(../img/ph-knox.jpg)}
.ph-road-low{background-image:linear-gradient(90deg,rgba(20,10,30,.78),rgba(20,10,30,.35)),url(../img/ph-road-low.jpg)}
.ph-downtown-low{background-image:linear-gradient(90deg,rgba(20,10,30,.78),rgba(20,10,30,.35)),url(../img/ph-downtown-low.jpg)}
.ph-bridge-low{background-image:linear-gradient(90deg,rgba(20,10,30,.78),rgba(20,10,30,.35)),url(../img/ph-bridge-low.jpg)}
.ph-tennis{background-image:linear-gradient(90deg,rgba(20,10,30,.78),rgba(20,10,30,.35)),url(../img/ph-tennis.jpg)}
.ph-knox-trail{background-image:linear-gradient(90deg,rgba(20,10,30,.78),rgba(20,10,30,.35)),url(../img/ph-knox-trail.jpg)}
.ph-curve{background-image:linear-gradient(90deg,rgba(20,10,30,.78),rgba(20,10,30,.35)),url(../img/ph-curve.jpg)}
.ph-westside-low{background-image:linear-gradient(90deg,rgba(20,10,30,.78),rgba(20,10,30,.35)),url(../img/ph-westside-low.jpg)}
.ph-curve-low{background-image:linear-gradient(90deg,rgba(20,10,30,.78),rgba(20,10,30,.35)),url(../img/ph-curve-low.jpg)}
@media(max-width:768px){.hero{background:linear-gradient(180deg,rgba(20,10,30,.66),rgba(20,10,30,.5)),url(../img/hero-900.jpg) center/cover}
.ph-downtown{background-image:linear-gradient(180deg,rgba(20,10,30,.72),rgba(20,10,30,.55)),url(../img/ph-downtown-900.jpg)}
.ph-westside{background-image:linear-gradient(180deg,rgba(20,10,30,.72),rgba(20,10,30,.55)),url(../img/ph-westside-900.jpg)}
.ph-knox{background-image:linear-gradient(180deg,rgba(20,10,30,.72),rgba(20,10,30,.55)),url(../img/ph-knox-900.jpg)}
.ph-road-low{background-image:linear-gradient(180deg,rgba(20,10,30,.72),rgba(20,10,30,.55)),url(../img/ph-road-low-900.jpg)}
.ph-downtown-low{background-image:linear-gradient(180deg,rgba(20,10,30,.72),rgba(20,10,30,.55)),url(../img/ph-downtown-low-900.jpg)}
.ph-bridge-low{background-image:linear-gradient(180deg,rgba(20,10,30,.72),rgba(20,10,30,.55)),url(../img/ph-bridge-low-900.jpg)}
.ph-tennis{background-image:linear-gradient(180deg,rgba(20,10,30,.72),rgba(20,10,30,.55)),url(../img/ph-tennis-900.jpg)}
.ph-knox-trail{background-image:linear-gradient(180deg,rgba(20,10,30,.72),rgba(20,10,30,.55)),url(../img/ph-knox-trail-900.jpg)}
.ph-curve{background-image:linear-gradient(180deg,rgba(20,10,30,.72),rgba(20,10,30,.55)),url(../img/ph-curve-900.jpg)}
.ph-westside-low{background-image:linear-gradient(180deg,rgba(20,10,30,.72),rgba(20,10,30,.55)),url(../img/ph-westside-low-900.jpg)}
.ph-curve-low{background-image:linear-gradient(180deg,rgba(20,10,30,.72),rgba(20,10,30,.55)),url(../img/ph-curve-low-900.jpg)}
}
/* mobile: let calculator grid items shrink so pages do not scroll sideways at 390px */.lic>*{min-width:0}.lic fieldset{min-width:0}@media(max-width:480px){.lic>.lic-res{padding:18px 14px}}
/* advisor picker */
.inp select{flex:1;min-width:0;border:0;background:transparent;font:inherit;font-size:1.05rem;padding:12px 10px;min-height:48px;box-sizing:border-box;color:inherit;cursor:pointer}.inp select:focus{outline:none}.adv-call{display:inline-block;margin:6px 0 0 4px;font-size:.95rem}