:root{--paper:#fbf7f0;--paper-deep:#f3ecdf;--card:#fffdf8;--ink:#221e19;--ink-soft:#5c544b;--ink-faint:#6f665b;--forest:#1e3a2f;--forest-deep:#14291f;--forest-tint:#e7ede7;--brass:#76551f;--brass-bright:#e8d08f;--brass-soft:#e4d5b4;--cream-on-dark:#f4eee2;--brand-grad-light:linear-gradient(100deg, #b8923f, #9a7328 45%, #6f521c);--brand-grad-dark:linear-gradient(100deg, #f0e0b0, #d9b765 45%, #b58a3e);--line:#221e191f;--line-strong:#221e193d;--line-on-dark:#f4eee22e;--shadow-card:0 1px 2px #221e190a, 0 8px 24px #221e190f;--shadow-lift:0 2px 4px #221e190d, 0 16px 40px #221e191a;--serif:Georgia, "Times New Roman", serif;--sans:-apple-system, BlinkMacSystemFont, "Segoe UI", Arial, sans-serif;--fs-display:clamp(2.5rem, 1.6rem + 4vw, 4.5rem);--fs-h2:clamp(1.9rem, 1.4rem + 2.2vw, 3rem);--fs-h3:clamp(1.35rem, 1.2rem + .7vw, 1.75rem);--fs-lead:clamp(1.1rem, 1rem + .5vw, 1.35rem);--fs-body:1rem;--fs-small:.875rem;--fs-micro:.75rem;--space-section:clamp(4.5rem, 3rem + 6vw, 8.5rem);--space-block:clamp(2rem, 1.5rem + 2vw, 3.5rem);--container:1200px;--radius:10px;--radius-lg:18px;--ease-out:cubic-bezier(.22, 1, .36, 1);--dur:.6s}*,:before,:after{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth}body{font-family:var(--sans);font-size:var(--fs-body);color:var(--ink);background:var(--paper);-webkit-font-smoothing:antialiased;line-height:1.65}img,svg{max-width:100%;display:block}a{color:inherit}button{font:inherit;cursor:pointer}ul[role=list],ol[role=list]{list-style:none}::selection{background:var(--brass-soft);color:var(--ink)}h1,h2,h3,.serif{font-family:var(--serif);letter-spacing:-.015em;text-wrap:balance;font-weight:480;line-height:1.12}h1{font-size:var(--fs-display)}h2{font-size:var(--fs-h2)}h3{font-size:var(--fs-h3);line-height:1.25}h1+.lead,h2+.lead,h3+.lead{margin-top:1rem}.lead{font-family:var(--serif);font-weight:440;font-size:var(--fs-lead);color:var(--ink-soft);max-width:32em;line-height:1.55}.eyebrow{font-size:var(--fs-micro);letter-spacing:.18em;text-transform:uppercase;color:var(--brass);align-items:center;gap:.75rem;margin-bottom:1.25rem;font-weight:600;display:inline-flex}.eyebrow:before{content:"";background:var(--brass);width:2rem;height:1px}.on-dark{color:var(--cream-on-dark)}.on-dark .eyebrow{color:var(--brass-bright)}.on-dark .eyebrow:before{background:var(--brass-bright)}.on-dark .lead{color:#f4eee2bf}.container{max-width:var(--container);margin-inline:auto;padding-inline:clamp(1.25rem,4vw,2.5rem)}.section{padding-block:var(--space-section)}.section--band{background:var(--paper-deep)}.section--dark{background:var(--forest-deep);color:var(--cream-on-dark)}.section-head{max-width:42em;margin-bottom:var(--space-block)}.section-head--center{text-align:center;margin-inline:auto}.section-head--center .eyebrow{justify-content:center}.section-head .lead{margin-top:1rem}.btn{border-radius:var(--radius);font-weight:550;font-size:var(--fs-small);letter-spacing:.01em;transition:background-color .25s var(--ease-out), border-color .25s var(--ease-out), color .25s var(--ease-out), transform .25s var(--ease-out), box-shadow .25s var(--ease-out);border:1px solid #0000;justify-content:center;align-items:center;gap:.6rem;padding:.9rem 1.75rem;text-decoration:none;display:inline-flex}.btn:active{transform:translateY(1px)}.btn svg{flex:none;width:1.05em;height:1.05em}.btn--primary{background:var(--forest);color:var(--cream-on-dark)}.btn--primary:hover{background:var(--forest-deep);box-shadow:var(--shadow-lift);transform:translateY(-1px)}.btn--secondary{border-color:var(--line-strong);color:var(--ink);background:0 0}.btn--secondary:hover{border-color:var(--ink);background:#221e1908}.btn--light{background:var(--cream-on-dark);color:var(--forest-deep)}.btn--light:hover{box-shadow:var(--shadow-lift);background:#fff;transform:translateY(-1px)}.btn--ghost-light{border-color:var(--line-on-dark);color:var(--cream-on-dark);background:0 0}.btn--ghost-light:hover{border-color:var(--cream-on-dark)}.link-arrow{font-weight:550;font-size:var(--fs-small);color:var(--forest);border-bottom:1px solid var(--brass-soft);transition:gap .25s var(--ease-out), border-color .25s var(--ease-out);align-items:center;gap:.45rem;padding-bottom:2px;text-decoration:none;display:inline-flex}.link-arrow:hover{border-color:var(--brass);gap:.75rem}.link-arrow:after{content:"→";font-family:var(--sans)}.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius-lg);transition:border-color .3s var(--ease-out), box-shadow .3s var(--ease-out), transform .3s var(--ease-out);padding:clamp(1.5rem,1.2rem + 1vw,2.25rem)}.card:hover{border-color:var(--brass-soft);box-shadow:var(--shadow-card);transform:translateY(-3px)}.card-kicker{font-size:var(--fs-micro);letter-spacing:.14em;text-transform:uppercase;color:var(--brass);margin-bottom:.75rem;font-weight:600}.field{flex-direction:column;gap:.45rem;display:flex}.field label{font-size:var(--fs-small);color:var(--ink);font-weight:550}.field input,.field select,.field textarea{font:inherit;font-size:var(--fs-small);color:var(--ink);background:var(--card);border:1px solid var(--line-strong);border-radius:var(--radius);appearance:none;width:100%;padding:.8rem 1rem;transition:border-color .2s,box-shadow .2s}.field select{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%235C544B' stroke-width='1.5' fill='none'/%3E%3C/svg%3E");background-position:right 1rem center;background-repeat:no-repeat;padding-right:2.5rem}.field input::placeholder{color:var(--ink-faint)}.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--forest);box-shadow:0 0 0 3px var(--forest-tint);outline:none}.field .hint{font-size:var(--fs-micro);color:var(--ink-faint)}.field--prefix{position:relative}.field--prefix .prefix{font-size:var(--fs-small);color:var(--ink-faint);pointer-events:none;position:absolute;top:2.72rem;left:1rem}.field--prefix input{padding-left:3rem}.reveal{opacity:1;transition:opacity var(--dur) var(--ease-out), transform var(--dur) var(--ease-out);transform:none}.site.has-reveal .reveal{opacity:0;transform:translateY(24px)}.hero-visual.reveal{transition-duration:.15s}.site.has-reveal .reveal.is-visible{opacity:1;transform:none}.reveal[data-delay="1"]{transition-delay:.1s}.reveal[data-delay="2"]{transition-delay:.2s}.reveal[data-delay="3"]{transition-delay:.3s}.reveal[data-delay="4"]{transition-delay:.4s}@media (prefers-reduced-motion:reduce){.reveal{opacity:1;transition:none;transform:none}.hero-visual .fl-orbit,.hero-visual .fl-upright,.hero-visual .fl-fade,.hero-visual .fl-pulse{animation:none}.hero-visual .fl-fade{opacity:1}.hero-visual .fl-pulse{opacity:0}html{scroll-behavior:auto}}.site-header{z-index:50;background:color-mix(in srgb, var(--paper) 88%, transparent);-webkit-backdrop-filter:blur(12px);backdrop-filter:blur(12px);border-bottom:1px solid var(--line);position:sticky;top:0}.site-header .container{justify-content:space-between;align-items:center;gap:1.5rem;height:4.5rem;display:flex}.brand{font-family:"Iowan Old Style", "Palatino Linotype", Palatino, Georgia, var(--serif);letter-spacing:.1em;text-transform:uppercase;color:#2b2417;font-size:1.35rem;font-weight:600;line-height:1;text-decoration:none}.brand b{background:var(--brand-grad-light);-webkit-text-fill-color:transparent;color:#0000;-webkit-background-clip:text;background-clip:text;font-style:italic;font-weight:600;display:inline-block}.site-nav{align-items:center;gap:2rem;display:flex}.site-nav a{font-size:var(--fs-small);color:var(--ink-soft);font-weight:500;text-decoration:none;transition:color .2s}.site-nav a:hover,.site-nav a[aria-current=page]{color:var(--ink)}.site-header .btn{padding:.6rem 1.25rem}.nav-toggle{border:1px solid var(--line-strong);border-radius:var(--radius);font-size:var(--fs-small);background:0 0;padding:.5rem .75rem;display:none}.hero{background:var(--forest-deep);color:var(--cream-on-dark);position:relative;overflow:hidden}.hero .container{z-index:1;grid-template-columns:minmax(0,7fr) minmax(0,5fr);align-items:center;gap:clamp(2rem,5vw,5rem);padding-block:clamp(5rem,4rem + 5vw,9rem);display:grid;position:relative}.hero h1{color:var(--cream-on-dark)}.hero h1 em{background:var(--brand-grad-dark);-webkit-text-fill-color:transparent;color:#0000;-webkit-background-clip:text;background-clip:text;font-style:italic;display:inline-block}.hero .lead{margin-top:1.5rem}.hero-ctas{flex-wrap:wrap;gap:1rem;margin-top:2.5rem;display:flex}.hero-note{font-size:var(--fs-micro);color:#f4eee280;letter-spacing:.04em;margin-top:1.5rem}.hero-visual{position:relative}.hero-visual svg{width:100%;height:auto;overflow:visible}.hero-visual .fl-orbit,.hero-visual .fl-upright,.hero-visual .fl-pulse{transform-box:view-box}.hero-visual .fl-orbit{transform-origin:240px 240px;animation:90s linear infinite fl-rot}.hero-visual .fl-upright{animation:90s linear infinite fl-rot-rev}.hero-visual .fl-fade{opacity:0;animation:1.5s ease-out 1.2s forwards fl-in}.hero-visual .fl-delay-09{animation-delay:.9s}.hero-visual .fl-delay-12{animation-delay:1.2s}.hero-visual .fl-delay-18{animation-delay:1.8s}.hero-visual .fl-pulse{opacity:0;animation:4.5s cubic-bezier(.22,1,.36,1) 3.2s infinite fl-pulse}.hero-visual .fl-planet--mortgage .fl-upright,.hero-visual .fl-planet--mortgage .fl-pulse{transform-origin:309px 192px}.hero-visual .fl-planet--refinance .fl-upright{transform-origin:304px 332px}.hero-visual .fl-planet--protection .fl-upright{transform-origin:160px 125px}.hero-visual .fl-planet--asset .fl-upright{transform-origin:144px 378px}.hero-visual .fl-planet--legacy .fl-upright{transform-origin:307px 56px}@keyframes fl-rot{to{transform:rotate(360deg)}}@keyframes fl-rot-rev{to{transform:rotate(-360deg)}}@keyframes fl-in{to{opacity:1}}@keyframes fl-pulse{0%{opacity:.7;transform:scale(.4)}55%{opacity:0;transform:scale(1.6)}to{opacity:0;transform:scale(1.6)}}.hero:before{content:"";background-image:linear-gradient(var(--line-on-dark) 1px, transparent 1px), linear-gradient(90deg, var(--line-on-dark) 1px, transparent 1px);opacity:.25;background-size:72px 72px;position:absolute;inset:0;-webkit-mask-image:radial-gradient(80% 90% at 70% 40%,#000,#0000 75%);mask-image:radial-gradient(80% 90% at 70% 40%,#000,#0000 75%)}.page-hero{background:var(--forest-deep);color:var(--cream-on-dark);padding-block:clamp(4.5rem,3.5rem + 4vw,7rem)}.site .page-hero{position:relative;overflow:hidden}.site .page-hero .container{z-index:1;position:relative}.site .page-hero:before{content:"";background-image:linear-gradient(var(--line-on-dark) 1px, transparent 1px), linear-gradient(90deg, var(--line-on-dark) 1px, transparent 1px);opacity:.18;background-size:72px 72px;position:absolute;inset:0;-webkit-mask-image:radial-gradient(80% 90% at 70% 40%,#000,#0000 75%);mask-image:radial-gradient(80% 90% at 70% 40%,#000,#0000 75%)}.page-hero h1{color:var(--cream-on-dark)}.page-hero h1 em{background:var(--brand-grad-dark);-webkit-text-fill-color:transparent;color:#0000;-webkit-background-clip:text;background-clip:text;font-style:italic;display:inline-block}.page-hero .lead{margin-top:1.25rem}.page-hero-actions{flex-wrap:wrap;gap:1rem;margin-top:2rem;display:flex}.services-grid{grid-template-columns:repeat(3,1fr);gap:1.25rem;display:grid}.services-grid--home{grid-template-columns:repeat(4,1fr)}.services-grid--home .service-card h3{min-height:2.5em}.service-card{flex-direction:column;display:flex}.service-card h3{margin-bottom:1rem}.service-card .problem{color:var(--ink-soft);font-size:var(--fs-small)}.service-card .helps{border-top:1px solid var(--line);font-size:var(--fs-small);color:var(--ink-soft);margin-top:1.25rem;padding-top:1.25rem}.service-card .helps strong{font-size:var(--fs-micro);letter-spacing:.12em;text-transform:uppercase;color:var(--ink);margin-bottom:.4rem;font-weight:600;display:block}.service-card .link-arrow{align-self:flex-start;margin-top:auto;padding-top:1.5rem}.numbers-layout{grid-template-columns:minmax(0,5fr) minmax(0,6fr);align-items:start;gap:clamp(2.5rem,5vw,5.5rem);display:grid}.numbers-sticky{position:sticky;top:6.5rem}.goal-cta--spaced{margin-top:2rem}.numbers-list{flex-direction:column;display:flex}.numbers-item{border-top:1px solid var(--line);grid-template-columns:auto 1fr;gap:1.25rem;padding-block:1.75rem;display:grid}.numbers-item:last-child{border-bottom:1px solid var(--line)}.numbers-item .num{font-family:var(--serif);color:var(--brass);padding-top:.15rem;font-size:1.1rem}.numbers-item h3{margin-bottom:.4rem;font-size:1.2rem}.numbers-item p{font-size:var(--fs-small);color:var(--ink-soft)}.numbers-item .formula{font-size:var(--fs-micro);background:var(--paper-deep);border:1px solid var(--line);color:var(--ink-soft);border-radius:6px;margin-top:.75rem;padding:.4rem .75rem;font-family:ui-monospace,SF Mono,monospace;display:inline-block}.tools-filter{flex-wrap:wrap;gap:.5rem;margin-bottom:2rem;display:flex}.chip{border:1px solid var(--line-strong);font-size:var(--fs-micro);letter-spacing:.03em;color:var(--ink-soft);transition:all .2s var(--ease-out);background:0 0;border-radius:999px;padding:.45rem 1.1rem;font-weight:550}.chip:hover{border-color:var(--ink);color:var(--ink)}.chip.is-active{background:var(--ink);border-color:var(--ink);color:var(--paper)}.tools-grid{grid-template-columns:repeat(3,1fr);gap:1.25rem;display:grid}.tool-card{flex-direction:column;gap:.6rem;padding:1.5rem 1.75rem;text-decoration:none;display:flex}.tool-card.is-hidden{display:none}.tool-card h3{font-size:1.15rem}.tool-card p{font-size:var(--fs-small);color:var(--ink-soft)}.tool-card .tool-meta{font-size:var(--fs-micro);color:var(--brass);letter-spacing:.1em;text-transform:uppercase;justify-content:space-between;align-items:center;margin-top:.5rem;font-weight:600;display:flex}.tool-card .tool-meta .go{transition:transform .25s var(--ease-out);color:var(--forest);font-size:1rem}.tool-card:hover .tool-meta .go{transform:translate(4px)}.tool-card--soon{pointer-events:none;border-style:dashed}.tool-card--soon .tool-meta{color:var(--ink-faint)}.compare-table-wrap{background:var(--card);border:1px solid var(--line);border-radius:var(--radius-lg);overflow-x:auto}.compare-table{border-collapse:collapse;width:100%;min-width:640px;font-size:var(--fs-small)}.compare-table th,.compare-table td{text-align:left;border-bottom:1px solid var(--line);padding:1.1rem 1.5rem}.compare-table thead th{font-size:var(--fs-micro);letter-spacing:.12em;text-transform:uppercase;color:var(--ink-faint);background:var(--paper-deep);font-weight:600}.compare-table tbody tr:last-child td{border-bottom:none}.compare-table tbody tr{transition:background-color .2s}.compare-table tbody tr:hover{background:#221e1906}.compare-table .figure{font-family:var(--serif);color:var(--ink);font-size:1.15rem}.compare-table .tag-best{font-size:var(--fs-micro);letter-spacing:.08em;text-transform:uppercase;color:var(--forest);background:var(--forest-tint);border-radius:999px;margin-left:.6rem;padding:.2rem .7rem;font-weight:600;display:inline-block}.compare-note{font-size:var(--fs-micro);color:var(--ink-faint);margin-top:1rem}.advisor-layout{grid-template-columns:minmax(0,5fr) minmax(0,6fr);align-items:center;gap:clamp(2.5rem,5vw,5.5rem);display:grid}.advisor-layout--home{grid-template-columns:minmax(220px,306px) minmax(0,1fr)}.advisor-layout--home .advisor-portrait{max-width:306px}.advisor-portrait{max-width:352px;position:relative}.portrait-frame{aspect-ratio:4/5;border-radius:999px 999px var(--radius-lg) var(--radius-lg);background:0 0;margin:0;position:relative;overflow:visible}.portrait-frame:before{content:"";border-radius:inherit;background:var(--forest-deep);position:absolute;inset:15% 2% 0}.portrait-frame:after{content:"";border-radius:999px 999px calc(var(--radius-lg) - 8px) calc(var(--radius-lg) - 8px);pointer-events:none;border:1px solid #c2a15e66;position:absolute;inset:calc(15% + 12px) calc(2% + 12px) 12px}.portrait-frame img,.portrait-frame svg{object-fit:cover;z-index:1;width:100%;height:100%;position:absolute;inset:0}.advisor-float{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow-lift);padding:1.1rem 1.4rem;position:absolute;bottom:2.5rem;right:-1.5rem}.advisor-float .stat-figure{font-family:var(--serif);color:var(--forest);font-size:1.9rem;line-height:1.1}.advisor-float .stat-caption{font-size:var(--fs-micro);color:var(--ink-faint);margin-top:.3rem}.advisor-copy .lead{margin-top:1rem}.advisor-copy>p:not(.eyebrow):not(.lead){color:var(--ink-soft);max-width:36em;margin-top:1.25rem}.advisor-quote{font-family:var(--serif);color:var(--ink-soft);border-left:2px solid var(--brass-soft);max-width:30em;margin-top:1.75rem;padding-left:1.25rem;font-size:1.2rem;font-style:italic;line-height:1.5}.advisor-creds{grid-template-columns:1fr 1fr;gap:1.5rem 2.5rem;margin-top:2.25rem;display:grid}.cred{border-top:1px solid var(--line);padding-top:1rem}.cred-title{font-size:var(--fs-micro);letter-spacing:.14em;text-transform:uppercase;color:var(--brass);margin-bottom:.4rem;font-weight:600}.cred p{font-size:var(--fs-small);color:var(--ink-soft)}.advisor-sign{margin-top:2.25rem}.advisor-sign .signature{font-family:var(--serif);letter-spacing:-.01em;font-size:2rem;font-style:italic;display:block}.advisor-sign .sign-role{font-size:var(--fs-micro);letter-spacing:.14em;text-transform:uppercase;color:var(--ink-faint);margin-top:.35rem;font-weight:600;display:block}.advisor-ctas{flex-wrap:wrap;gap:1rem;margin-top:1.75rem;display:flex}.articles-grid{grid-template-columns:repeat(3,1fr);gap:1.25rem;display:grid}.article-card{flex-direction:column;gap:.75rem;text-decoration:none;display:flex}.article-card .article-thumb{aspect-ratio:16/9;object-fit:cover;border-radius:var(--radius);background:var(--forest-tint);width:100%;margin-bottom:.35rem}.article-card .article-meta{font-size:var(--fs-micro);letter-spacing:.1em;text-transform:uppercase;color:var(--brass);gap:.75rem;font-weight:600;display:flex}.article-card .article-meta .read-time{color:var(--ink-faint);letter-spacing:.04em;text-transform:none;font-weight:500}.article-card h3{font-size:1.25rem}.article-card .answer{font-size:var(--fs-small);color:var(--ink-soft);border-left:2px solid var(--brass-soft);padding-left:1rem}.article-card .answer strong{color:var(--ink);font-weight:550}.article-card .link-arrow{align-self:flex-start;margin-top:auto;padding-top:.75rem}.article-empty{border:1px solid var(--line);border-radius:var(--radius-sm);background:var(--card);grid-column:1/-1;max-width:44rem;padding:clamp(1.5rem,3vw,2.25rem)}.article-empty h3{font-size:var(--fs-h3);margin-bottom:.65rem}.article-empty p{color:var(--ink-soft);margin-bottom:1.25rem}.blog-detail{max-width:920px}.blog-article{max-width:760px;margin-inline:auto}.blog-article-meta{font-size:var(--fs-micro);letter-spacing:.1em;text-transform:uppercase;color:var(--brass);flex-wrap:wrap;gap:.85rem;margin-bottom:1.5rem;font-weight:700;display:flex}.blog-featured{aspect-ratio:16/9;object-fit:cover;border-radius:var(--radius-sm);width:100%;margin-bottom:2rem}.blog-article-body{color:var(--ink-soft);gap:1.15rem;font-size:clamp(1rem,.96rem + .2vw,1.12rem);line-height:1.75;display:grid}.blog-article-body h2,.blog-article-body h3{color:var(--ink);margin-top:1rem;line-height:1.15}.blog-article-body h2{font-size:clamp(1.8rem,1.55rem + 1vw,2.45rem)}.blog-article-body h3{font-size:var(--fs-h3)}.blog-article-body ul{padding-left:1.25rem}.blog-article-body li+li{margin-top:.45rem}.blog-article-body a{color:var(--forest);font-weight:650}.blog-article-body strong{color:var(--ink)}.blog-afterword{border-top:1px solid var(--line);flex-wrap:wrap;justify-content:space-between;align-items:center;gap:1rem;margin-top:2.5rem;padding-top:1.5rem;display:flex}.blog-afterword p{color:var(--ink-soft);max-width:32rem}.lead-capture{background:var(--forest-deep);border-radius:clamp(0px, 2vw, var(--radius-lg))}.lead-capture-inner{grid-template-columns:minmax(0,5fr) minmax(0,6fr);align-items:center;gap:clamp(2.5rem,5vw,5rem);padding:clamp(2.5rem,2rem + 3vw,5.5rem);display:grid}.lead-capture-inner--compact{grid-template-columns:minmax(0,7fr) minmax(220px,3fr)}.home-cta-actions{flex-direction:column;align-items:stretch;gap:.85rem;display:flex}.lead-copy h2{color:var(--cream-on-dark)}.lead-copy h2 em{background:var(--brand-grad-dark);-webkit-text-fill-color:transparent;color:#0000;-webkit-background-clip:text;background-clip:text;font-style:italic;display:inline-block}.lead-copy .lead{margin-top:1rem}.lead-whatsapp{margin-top:2rem}.lead-or{font-size:var(--fs-micro);letter-spacing:.14em;text-transform:uppercase;color:#f4eee273;align-items:center;gap:1rem;margin-top:1.75rem;display:flex}.lead-or:after{content:"";background:var(--line-on-dark);flex:1;height:1px}.lead-form{color:var(--ink);background:var(--card);border-radius:var(--radius-lg);box-shadow:var(--shadow-lift);grid-template-columns:1fr 1fr;gap:1.25rem;padding:clamp(1.75rem,1.5rem + 1vw,2.75rem);display:grid}.lead-form .field--full{grid-column:1/-1}.lead-form .form-title{font-family:var(--serif);grid-column:1/-1;font-size:1.35rem}.lead-form .btn{grid-column:1/-1;justify-self:start}.lead-form .form-note{font-size:var(--fs-micro);color:var(--ink-faint);grid-column:1/-1}.site-footer{background:var(--forest-deep);color:var(--cream-on-dark);padding-block:var(--space-section) 2.5rem;margin-top:var(--space-section)}.footer-grid{padding-bottom:var(--space-block);border-bottom:1px solid var(--line-on-dark);grid-template-columns:minmax(0,4fr) repeat(3,minmax(0,2fr));gap:clamp(2rem,4vw,4rem);display:grid}.footer-brand .brand{color:var(--cream-on-dark);font-size:1.5rem}.footer-brand .brand b{background-image:var(--brand-grad-dark)}.footer-brand p{font-size:var(--fs-small);color:#f4eee2c7;max-width:28em;margin-top:1rem}.footer-title{font-size:var(--fs-micro);letter-spacing:.14em;text-transform:uppercase;color:var(--brass-bright);margin-bottom:1.1rem;font-weight:600}.footer-col ul{flex-direction:column;gap:.6rem;list-style:none;display:flex}.footer-col a{font-size:var(--fs-small);color:#f4eee2d1;text-decoration:none;transition:color .2s}.footer-col a:hover{color:var(--cream-on-dark)}.footer-legal{font-size:var(--fs-micro);color:#f4eee2b8;flex-wrap:wrap;justify-content:space-between;gap:1rem;padding-top:2rem;display:flex}.footer-legal .disclaimer{flex-basis:100%;max-width:60em;line-height:1.7}.footer-legal a{color:inherit}.site .site-footer{margin-top:0}.site .skip-link{z-index:1000;background:var(--cream-on-dark);color:var(--forest-deep);border:2px solid var(--brass);border-radius:var(--radius);transition:transform .2s var(--ease-out);padding:.7rem 1rem;font-weight:650;text-decoration:none;position:fixed;top:.75rem;left:.75rem;transform:translateY(-140%)}.site .skip-link:focus{transform:translateY(0)}.site :focus-visible{outline:3px solid var(--brass-bright);outline-offset:3px}.site .field input:focus,.site .field select:focus,.site .field textarea:focus{outline:none}.site .btn,.site .nav-toggle,.site .chip{min-height:44px}.site .proof-strip{background:var(--paper);border-bottom:1px solid var(--line)}.site .proof-grid{border-inline:1px solid var(--line);background:var(--line);grid-template-columns:repeat(4,minmax(0,1fr));gap:1px;display:grid}.site .proof-grid>div{background:var(--paper);padding:clamp(1.25rem,1rem + 1vw,2rem)}.site .proof-grid span{font-size:var(--fs-micro);letter-spacing:.14em;color:var(--brass);margin-bottom:.75rem;font-weight:650;display:block}.site .proof-grid strong{font-family:var(--serif);color:var(--ink);font-size:1.15rem;line-height:1.25;display:block}.site .proof-grid p{color:var(--ink-soft);font-size:var(--fs-small);margin-top:.65rem;line-height:1.6}.site .number-preview,.site .tool-preview{grid-template-columns:minmax(0,1.1fr) minmax(320px,.9fr);align-items:center;gap:clamp(2rem,5vw,4rem);display:grid}.site .lead+.btn{margin-top:1.75rem}.site .math-card,.site .result-card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius-lg);box-shadow:var(--shadow-card);padding:clamp(1.5rem,1.2rem + 1.2vw,2.25rem)}.site .math-row,.site .result-card dl>div{border-bottom:1px solid var(--line);justify-content:space-between;align-items:baseline;gap:1rem;padding-block:.9rem;display:flex}.site .math-row span,.site .result-card dt{color:var(--ink-soft);font-size:var(--fs-small)}.site .math-row strong,.site .result-card dd{color:var(--ink);font-variant-numeric:tabular-nums;text-align:right;margin:0;font-weight:650}.site .math-result{background:var(--forest-tint);border-radius:var(--radius);margin-top:1.25rem;padding:1.25rem}.site .math-result span,.site .result-head span{color:var(--ink-soft);font-size:var(--fs-small);font-weight:550;display:block}.site .math-result strong{font-family:var(--serif);color:var(--forest);font-variant-numeric:tabular-nums;margin-top:.2rem;font-size:clamp(2rem,1.4rem + 2vw,3rem);line-height:1;display:block}.site .math-result p,.site .result-card>p{color:var(--ink-soft);font-size:var(--fs-small);margin-top:.75rem}.site .result-head{justify-content:space-between;align-items:center;gap:1rem;margin-bottom:.75rem;display:flex}.site .result-head strong{color:var(--brass);font-size:var(--fs-micro);letter-spacing:.14em;text-transform:uppercase}.site .result-card dl{margin:0}.site .finance-tools{scroll-margin-top:5rem}.site .finance-tools-tabs{grid-template-columns:repeat(4,minmax(0,1fr));gap:.75rem;margin-bottom:1.25rem;display:grid}.site .finance-tools-tabs button{text-align:left;background:var(--card);border:1px solid var(--line);border-radius:var(--radius);min-height:5rem;color:var(--ink);box-shadow:none;transition:border-color .2s var(--ease-out), box-shadow .2s var(--ease-out), transform .2s var(--ease-out);padding:1rem}.site .finance-tools-tabs button:hover{border-color:var(--brass-soft);box-shadow:var(--shadow-card);transform:translateY(-2px)}.site .finance-tools-tabs button.is-active{background:var(--forest);border-color:var(--forest);color:var(--cream-on-dark)}.site .finance-tools-tabs span{color:var(--brass);font-size:var(--fs-micro);letter-spacing:.12em;text-transform:uppercase;margin-bottom:.35rem;font-weight:700;display:block}.site .finance-tools-tabs button.is-active span{color:var(--brass-bright)}.site .finance-tools-layout{grid-template-columns:minmax(300px,.92fr) minmax(0,1.08fr);align-items:start;gap:1.25rem;display:grid}.site .finance-tools-panel{background:var(--card);border:1px solid var(--line);border-radius:var(--radius-lg);box-shadow:var(--shadow-card);padding:clamp(1.4rem,1.2rem + 1vw,2rem)}.site .finance-tools-panel-head{margin-bottom:1.25rem}.site .finance-tools-panel-head h3{margin:0;font-size:clamp(1.6rem,1.3rem + 1.2vw,2.25rem)}.site .finance-tools-panel-head p:not(.card-kicker){color:var(--ink-soft);font-size:var(--fs-small);margin-top:.6rem}.site .finance-tool-form,.site .finance-tools-nested,.site .finance-tools-loan,.site .finance-tools-stage{gap:.9rem;display:grid}.site .finance-tool-form label{color:var(--ink);font-size:var(--fs-small);gap:.45rem;font-weight:600;display:grid}.site .finance-tool-form input,.site .finance-tool-form select{width:100%;min-height:44px;color:var(--ink);background:var(--card);border:1px solid var(--line-strong);border-radius:var(--radius);padding:.75rem .9rem}.site .finance-tool-form input:focus,.site .finance-tool-form select:focus{border-color:var(--forest);box-shadow:0 0 0 3px var(--forest-tint);outline:none}.site .finance-tools-nested{margin-top:.4rem}.site .finance-tools-nested h4{color:var(--forest);font-family:var(--serif);margin:.4rem 0 0;font-size:1.1rem;font-weight:500}.site .finance-tools-loan,.site .finance-tools-stage{background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);padding:1rem}.site .finance-tools-metrics{grid-template-columns:repeat(2,minmax(0,1fr));gap:.75rem;display:grid}.site .finance-tools-metrics>div{background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);min-height:6.5rem;padding:1rem}.site .finance-tools-metrics span,.site .finance-tools-table span{color:var(--ink-soft);font-size:var(--fs-small);display:block}.site .finance-tools-metrics strong{color:var(--ink);margin-top:.45rem;font-size:clamp(1.25rem,1rem + 1vw,1.75rem);line-height:1.15;display:block}.site .finance-tools-table{border:1px solid var(--line);border-radius:var(--radius);margin-top:1rem;display:grid;overflow:hidden}.site .finance-tools-table>div{background:var(--card);border-bottom:1px solid var(--line);justify-content:space-between;gap:1rem;padding:.9rem 1rem;display:flex}.site .finance-tools-table>div:last-child{border-bottom:none}.site .finance-tools-table strong{color:var(--ink);font-size:var(--fs-small);text-align:right;font-weight:650}.site .finance-tools-actions{flex-wrap:wrap;gap:.75rem;margin-top:1.25rem;display:flex}.site .finance-tools-actions .btn{min-height:44px;padding-block:.65rem}@media (max-width:1024px){.services-grid,.tools-grid,.articles-grid{grid-template-columns:repeat(2,1fr)}.site .finance-tools-tabs,.site .proof-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}@media (max-width:860px){.hero .container{grid-template-columns:1fr;gap:clamp(2.25rem,7vw,3.25rem)}.hero-visual{opacity:.9;width:min(100%,520px);max-width:none;margin-inline:auto}.numbers-layout{grid-template-columns:1fr}.numbers-sticky{position:static}.lead-capture-inner{grid-template-columns:1fr}.footer-grid{grid-template-columns:1fr 1fr}.advisor-layout{grid-template-columns:1fr}.advisor-portrait{width:100%;margin-inline:auto}.advisor-float{right:1rem}.site-nav{z-index:60;background:var(--card);border:1px solid var(--line);border-top:none;border-radius:0 0 8px 8px;flex-direction:column;align-items:flex-start;gap:0;padding:.5rem 1rem .75rem;display:none;position:absolute;top:100%;left:clamp(.75rem,4vw,1.25rem);right:clamp(.75rem,4vw,1.25rem);box-shadow:0 18px 36px #221e1929}.site-nav.is-open{display:flex}.site-nav a{border-bottom:1px solid var(--line);align-items:center;width:100%;min-height:44px;padding:.75rem 0;display:flex}.site-nav a:last-child{border-bottom:none}.nav-toggle{display:block}.site-header .btn--primary{display:none}.site .number-preview,.site .tool-preview,.site .finance-tools-layout{grid-template-columns:1fr}}@media (max-width:600px){.services-grid,.tools-grid,.articles-grid,.site .finance-tools-tabs,.site .finance-tools-metrics{grid-template-columns:1fr}.site .finance-tools-tabs button{min-height:4.25rem}.site .finance-tools-table>div{flex-direction:column;align-items:flex-start;gap:.25rem}.site .finance-tools-table strong{text-align:left}.lead-form{grid-template-columns:1fr}.hero-ctas .btn,.site .page-hero-actions .btn,.site .advisor-ctas .btn,.site .goal-cta .btn,.site .number-preview .btn,.site .tool-preview .btn,.site .finance-tools-actions .btn,.site .lead-whatsapp .btn,.site .lead-form .btn{width:100%}.site .lead-form .btn{justify-self:stretch}.advisor-creds{grid-template-columns:1fr;gap:1.25rem}.compare-table th,.compare-table td{padding:.9rem 1rem}.site .proof-grid{grid-template-columns:1fr}.site .math-row,.site .result-card dl>div{flex-direction:column;align-items:flex-start;gap:.25rem}.site .math-row strong,.site .result-card dd{text-align:left}}