:root{
  --navy:#0E1F3D;
  --navy-deep:#091530;
  --cream:#F5EFE6;
  --ivory:#FAF8F3;
  --gold:#B08D57;
  --gold-dark:#8C6E40;
  --ink:#141A2A;
  --muted:#5E6473;
  --line:#E6DFD1;
  --line-dark:#1B2A4A;
  --maxw:1240px;
}

*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{
  background:var(--ivory);
  color:var(--ink);
  font-family:'Inter',system-ui,-apple-system,sans-serif;
  font-size:17px;
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
  text-rendering:optimizeLegibility;
}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 32px}

/* Typography */
.serif{font-family:'Fraunces',Georgia,serif;font-weight:400;letter-spacing:-0.01em}
h1,h2,h3,h4{font-family:'Fraunces',Georgia,serif;font-weight:400;letter-spacing:-0.015em;line-height:1.1}
h1{font-size:clamp(40px,5.8vw,76px)}
h2{font-size:clamp(32px,4vw,52px)}
h3{font-size:clamp(22px,2.2vw,28px)}
.eyebrow{
  font-family:'Inter',sans-serif;
  font-size:12px;
  font-weight:500;
  letter-spacing:0.18em;
  text-transform:uppercase;
  color:var(--gold);
}
.lede{font-size:19px;color:var(--muted);max-width:60ch}
.small{font-size:14px;color:var(--muted)}

/* Nav */
.nav{
  position:fixed;top:0;left:0;right:0;z-index:50;
  transition:background .25s ease, border-color .25s ease, color .25s ease;
  border-bottom:1px solid transparent;
}
.nav.scrolled,
.nav.solid{background:rgba(250,248,243,0.92);backdrop-filter:saturate(160%) blur(10px);border-bottom-color:var(--line);color:var(--ink)}
.nav-inner{display:flex;align-items:center;justify-content:space-between;height:78px}
.logo{display:flex;align-items:baseline;gap:10px;font-family:'Fraunces',serif;font-size:20px;letter-spacing:-0.01em}
.logo .mark{color:var(--gold);font-weight:500}
.nav-links{display:flex;gap:34px;align-items:center}
.nav-links a{font-size:14.5px;color:inherit;opacity:.85;transition:opacity .15s}
.nav-links a:hover{opacity:1}
.nav-links a.active{opacity:1;color:var(--gold)}
.nav-cta{
  font-size:14px;font-weight:500;
  border:1px solid currentColor;border-radius:999px;
  padding:9px 18px;transition:background .2s,color .2s,border-color .2s;
}
.nav.scrolled .nav-cta:hover,
.nav.solid .nav-cta:hover{background:var(--navy);color:var(--ivory);border-color:var(--navy)}
.nav:not(.scrolled):not(.solid){color:var(--ivory)}
.nav:not(.scrolled):not(.solid) .nav-cta:hover{background:var(--ivory);color:var(--navy);border-color:var(--ivory)}
.menu-btn{display:none;background:none;border:0;color:inherit;font-size:22px;cursor:pointer;padding:8px}
@media(max-width:900px){
  .nav-links{display:none}
  .menu-btn{display:block}
  .nav-links.open{display:flex;flex-direction:column;position:absolute;top:78px;left:0;right:0;background:var(--ivory);color:var(--ink);padding:24px 32px;border-bottom:1px solid var(--line);gap:18px;align-items:flex-start}
}

/* Hero (home) */
.hero{
  background:var(--navy);
  color:var(--ivory);
  position:relative;
  overflow:hidden;
  padding:160px 0 120px;
}
.hero::before{
  content:"";position:absolute;inset:0;
  background:
    radial-gradient(1100px 600px at 85% 20%, rgba(176,141,87,.10), transparent 60%),
    radial-gradient(700px 500px at 10% 90%, rgba(176,141,87,.05), transparent 60%);
  pointer-events:none;
}
.hero-grid{
  position:relative;
  display:grid;grid-template-columns:1.25fr .9fr;gap:80px;align-items:center;
}
@media(max-width:900px){.hero{padding:130px 0 80px}.hero-grid{grid-template-columns:1fr;gap:48px}}
.hero h1{color:var(--ivory);margin:24px 0 28px}
.hero h1 em{font-style:italic;color:var(--gold)}
.hero .lede{color:rgba(245,239,230,.78);font-size:20px;max-width:54ch}
.hero-cta{display:flex;gap:14px;margin-top:38px;flex-wrap:wrap}

/* Buttons */
.btn{
  display:inline-flex;align-items:center;gap:10px;
  padding:14px 26px;border-radius:999px;
  font-weight:500;font-size:15px;
  transition:transform .15s ease, background .2s, color .2s, border-color .2s;
}
.btn:hover{transform:translateY(-1px)}
.btn-primary{background:var(--gold);color:var(--navy)}
.btn-primary:hover{background:#c9a36b}
.btn-ghost{border:1px solid rgba(245,239,230,.35);color:var(--ivory)}
.btn-ghost:hover{background:rgba(245,239,230,.08);border-color:rgba(245,239,230,.6)}
.btn-dark{background:var(--navy);color:var(--ivory)}
.btn-dark:hover{background:var(--navy-deep)}
.btn-outline-dark{border:1px solid var(--navy);color:var(--navy)}
.btn-outline-dark:hover{background:var(--navy);color:var(--ivory)}
.btn .arrow{transition:transform .2s}
.btn:hover .arrow{transform:translateX(3px)}

/* Hero mark (50 years) */
.anniversary{
  position:relative;
  border:1px solid rgba(176,141,87,.4);
  border-radius:4px;
  padding:48px 40px;
  text-align:center;
  background:linear-gradient(180deg, rgba(176,141,87,.06), rgba(176,141,87,.02));
}
.anniversary .label{font-size:11px;letter-spacing:0.32em;text-transform:uppercase;color:var(--gold);font-weight:500}
.anniversary .figure{
  font-family:'Fraunces',serif;font-weight:300;
  font-size:clamp(96px,12vw,160px);line-height:1;
  color:var(--ivory);margin:24px 0 12px;
  font-feature-settings:"lnum";
}
.anniversary .figure span{color:var(--gold);font-style:italic;font-weight:400}
.anniversary .span{font-size:14px;letter-spacing:0.2em;text-transform:uppercase;color:rgba(245,239,230,.7)}
.anniversary .rule{width:48px;height:1px;background:var(--gold);margin:20px auto;opacity:.7}

/* Section base */
section{padding:120px 0}
@media(max-width:900px){section{padding:80px 0}}
.section-head{max-width:780px;margin-bottom:64px}
.section-head .eyebrow{display:block;margin-bottom:16px}
.section-head h2{margin-bottom:20px}

/* Trust strip */
.trust{padding:64px 0;background:var(--cream);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.trust-inner{display:flex;flex-direction:column;align-items:center;gap:28px}
.trust .label{font-size:11px;letter-spacing:0.28em;text-transform:uppercase;color:var(--muted);font-weight:500}
.carriers{display:flex;flex-wrap:wrap;gap:20px 56px;justify-content:center;align-items:center}
.carrier{
  font-family:'Fraunces',serif;
  font-size:22px;
  color:var(--navy);
  opacity:.78;
  letter-spacing:-0.01em;
  white-space:nowrap;
}
.carrier .sub{font-family:'Inter',sans-serif;font-size:11px;letter-spacing:0.18em;text-transform:uppercase;color:var(--muted);display:block;margin-top:2px;font-weight:500;text-align:left}

/* Anchor / 50-year story */
.anchor{background:var(--ivory)}
.anchor-grid{display:grid;grid-template-columns:1fr 1fr;gap:80px;align-items:start}
@media(max-width:900px){.anchor-grid{grid-template-columns:1fr;gap:40px}}
.anchor-stat{
  border-left:2px solid var(--gold);
  padding:8px 0 8px 28px;
}
.anchor-stat .num{font-family:'Fraunces',serif;font-size:64px;line-height:1;color:var(--navy);font-weight:400}
.anchor-stat .lbl{font-size:13px;letter-spacing:0.18em;text-transform:uppercase;color:var(--muted);margin-top:8px}
.anchor-stats{display:grid;grid-template-columns:1fr 1fr;gap:32px;margin-top:36px}

/* Services grid (home) */
.services{background:var(--cream);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.svc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
@media(max-width:900px){.svc-grid{grid-template-columns:1fr}}
.svc{
  background:var(--ivory);
  border:1px solid var(--line);
  border-radius:6px;
  padding:40px 36px;
  display:flex;flex-direction:column;
  transition:transform .25s ease, box-shadow .25s ease, border-color .25s ease;
}
.svc:hover{transform:translateY(-3px);box-shadow:0 18px 40px -24px rgba(14,31,61,.18);border-color:var(--gold)}
.svc .num{
  font-family:'Fraunces',serif;
  font-size:14px;color:var(--gold);letter-spacing:0.08em;
  margin-bottom:24px;
}
.svc h3{color:var(--navy);margin-bottom:14px}
.svc p{color:var(--muted);font-size:15.5px;line-height:1.65;flex:1}
.svc .more{margin-top:28px;font-size:14px;color:var(--navy);font-weight:500;display:inline-flex;align-items:center;gap:8px}
.svc .more .arrow{transition:transform .2s}
.svc:hover .more .arrow{transform:translateX(4px)}

/* How we work */
.how{background:var(--navy);color:var(--ivory)}
.how .eyebrow{color:var(--gold)}
.how h2{color:var(--ivory)}
.how .lede{color:rgba(245,239,230,.75)}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:48px;margin-top:72px}
@media(max-width:900px){.steps{grid-template-columns:1fr;gap:36px}}
.step{position:relative;padding-top:28px;border-top:1px solid rgba(176,141,87,.35)}
.step .n{position:absolute;top:-14px;left:0;background:var(--navy);padding-right:16px;color:var(--gold);font-family:'Fraunces',serif;font-size:14px;letter-spacing:0.08em}
.step h3{color:var(--ivory);margin-bottom:14px;font-size:26px}
.step p{color:rgba(245,239,230,.75);font-size:15.5px;line-height:1.65}

/* Meet Lynn */
.meet{background:var(--ivory)}
.meet .section-head{margin-bottom:40px}
.portrait{
  aspect-ratio:16/9;
  background:#0E1F3D;
  border-radius:6px;
  position:relative;overflow:hidden;
  color:var(--ivory);
  box-shadow:0 40px 80px -40px rgba(14,31,61,.45);
  margin-bottom:64px;
}
@media(max-width:900px){.portrait{aspect-ratio:3/2;margin-bottom:40px}}
.portrait img{
  position:absolute;inset:0;width:100%;height:100%;
  object-fit:cover;object-position:center center;
  z-index:1;
}
.portrait::after{
  content:"";position:absolute;inset:0;z-index:2;
  background:linear-gradient(180deg, rgba(14,31,61,0) 55%, rgba(14,31,61,.72) 100%);
  pointer-events:none;
}
.portrait .caption{position:absolute;left:0;bottom:0;z-index:3;padding:32px 40px;width:100%;display:flex;justify-content:space-between;align-items:flex-end;flex-wrap:wrap;gap:16px}
.portrait .caption-name .name{font-family:'Fraunces',serif;font-size:26px;line-height:1.1}
.portrait .caption-name .role{font-size:12px;letter-spacing:0.2em;text-transform:uppercase;color:var(--gold);margin-top:6px}
.portrait .caption-location{font-size:12px;letter-spacing:0.18em;text-transform:uppercase;color:rgba(245,239,230,.65);text-align:right}
.meet-body{display:grid;grid-template-columns:.95fr 1.05fr;gap:80px;align-items:start}
@media(max-width:900px){.meet-body{grid-template-columns:1fr;gap:32px}}
.meet h2{margin-bottom:24px}
.meet .quote{
  font-family:'Fraunces',serif;font-style:italic;font-size:24px;line-height:1.4;
  color:var(--navy);margin:0 0 24px;padding-left:24px;border-left:2px solid var(--gold);
}
.meet .bio{color:var(--muted);font-size:16px;line-height:1.7}
.meet .bio + .bio{margin-top:16px}
.meet .link{display:inline-flex;align-items:center;gap:8px;margin-top:32px;font-weight:500;color:var(--navy);border-bottom:1px solid var(--gold);padding-bottom:4px}
.meet .link:hover{color:var(--gold-dark)}

/* Insights */
.insights{background:var(--cream);border-top:1px solid var(--line)}
.insights-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
@media(max-width:900px){.insights-grid{grid-template-columns:1fr}}
.insight{
  background:var(--ivory);
  border:1px solid var(--line);
  border-radius:6px;
  padding:36px 32px;
  display:flex;flex-direction:column;
  transition:transform .25s, box-shadow .25s;
}
.insight:hover{transform:translateY(-3px);box-shadow:0 18px 40px -24px rgba(14,31,61,.15)}
.insight .tag{font-size:11px;letter-spacing:0.18em;text-transform:uppercase;color:var(--gold);font-weight:500;margin-bottom:18px}
.insight h3{font-size:22px;color:var(--navy);line-height:1.25;margin-bottom:16px;flex:1}
.insight .meta{font-size:13px;color:var(--muted);margin-top:24px}

/* CTA band */
.cta-band{background:var(--navy);color:var(--ivory);padding:96px 0;text-align:center;position:relative;overflow:hidden}
.cta-band::before{
  content:"";position:absolute;inset:0;
  background:radial-gradient(700px 400px at 50% 0%, rgba(176,141,87,.12), transparent 60%);
  pointer-events:none;
}
.cta-band h2{color:var(--ivory);max-width:18ch;margin:0 auto 20px;position:relative}
.cta-band p{color:rgba(245,239,230,.78);max-width:46ch;margin:0 auto 36px;position:relative}
.cta-band .btn-primary{position:relative}
.cta-meta{
  position:relative;
  display:grid;grid-template-columns:repeat(3,1fr);gap:32px;
  margin:64px auto 0;max-width:760px;
  padding-top:48px;border-top:1px solid rgba(245,239,230,.15);
  text-align:left;
}
@media(max-width:700px){.cta-meta{grid-template-columns:1fr;gap:24px;text-align:center}}
.cta-meta > div{color:rgba(245,239,230,.85);font-size:15px;line-height:1.55}
.cta-meta a{color:rgba(245,239,230,.85);border-bottom:1px solid rgba(176,141,87,.45);padding-bottom:1px}
.cta-meta a:hover{color:var(--gold)}
.cta-label{display:block;font-size:11px;letter-spacing:0.22em;text-transform:uppercase;color:var(--gold);margin-bottom:8px;font-weight:500}

/* Footer */
footer{background:var(--navy-deep);color:rgba(245,239,230,.7);padding:72px 0 40px;font-size:14px}
.foot-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:48px;margin-bottom:56px}
@media(max-width:900px){.foot-grid{grid-template-columns:1fr 1fr;gap:40px}}
footer h4{font-family:'Inter',sans-serif;font-size:12px;letter-spacing:0.18em;text-transform:uppercase;color:var(--gold);margin-bottom:18px;font-weight:500}
footer ul{list-style:none;display:flex;flex-direction:column;gap:10px}
footer ul a{color:rgba(245,239,230,.7)}
footer ul a:hover{color:var(--ivory)}
.foot-brand{display:flex;flex-direction:column;gap:16px}
.foot-brand .logo{color:var(--ivory)}
.foot-bot{display:flex;justify-content:space-between;gap:20px;padding-top:32px;border-top:1px solid rgba(245,239,230,.12);font-size:12.5px;color:rgba(245,239,230,.5);flex-wrap:wrap}

/* Reveal animation */
.reveal{opacity:0;transform:translateY(20px);transition:opacity .8s ease, transform .8s ease}
.reveal.in{opacity:1;transform:none}

/* ============================================================
   Service / inner page styles
   ============================================================ */

/* Page hero — shorter, no anniversary aside */
.page-hero{
  background:var(--navy);
  color:var(--ivory);
  position:relative;overflow:hidden;
  padding:170px 0 100px;
}
.page-hero::before{
  content:"";position:absolute;inset:0;
  background:
    radial-gradient(900px 500px at 80% 20%, rgba(176,141,87,.10), transparent 60%),
    radial-gradient(700px 500px at 10% 100%, rgba(176,141,87,.04), transparent 60%);
  pointer-events:none;
}
.page-hero .wrap{position:relative}
.page-hero .crumb{display:flex;gap:8px;align-items:center;font-size:12px;letter-spacing:0.16em;text-transform:uppercase;color:rgba(245,239,230,.6);margin-bottom:24px}
.page-hero .crumb a{color:var(--gold)}
.page-hero .crumb .sep{opacity:.4}
.page-hero h1{color:var(--ivory);margin:8px 0 28px;max-width:18ch}
.page-hero h1 em{font-style:italic;color:var(--gold)}
.page-hero .lede{color:rgba(245,239,230,.8);font-size:20px;max-width:62ch}
.page-hero-grid{display:grid;grid-template-columns:1.5fr 1fr;gap:60px;align-items:end}
@media(max-width:900px){.page-hero{padding:140px 0 70px}.page-hero-grid{grid-template-columns:1fr;gap:32px}}
.page-hero-meta{
  border-left:1px solid rgba(176,141,87,.35);
  padding-left:24px;
  font-size:14.5px;color:rgba(245,239,230,.7);line-height:1.7;
}
.page-hero-meta strong{color:var(--gold);display:block;font-size:11px;letter-spacing:0.22em;text-transform:uppercase;font-weight:500;margin-bottom:8px;font-family:'Inter',sans-serif}

/* Two-column intro section */
.intro{background:var(--ivory)}
.intro-grid{display:grid;grid-template-columns:1fr 1.4fr;gap:80px;align-items:start}
@media(max-width:900px){.intro-grid{grid-template-columns:1fr;gap:32px}}
.intro h2{color:var(--navy);max-width:14ch}
.intro p{color:var(--ink);font-size:18px;line-height:1.7}
.intro p + p{margin-top:18px}

/* Coverage grid */
.coverage{background:var(--cream);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.cov-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:0;border:1px solid var(--line);border-radius:6px;background:var(--ivory);overflow:hidden}
@media(max-width:700px){.cov-grid{grid-template-columns:1fr}}
.cov-item{
  padding:32px 32px;
  border-right:1px solid var(--line);
  border-bottom:1px solid var(--line);
  display:flex;flex-direction:column;gap:8px;
  transition:background .2s;
}
.cov-item:hover{background:var(--cream)}
.cov-grid .cov-item:nth-child(2n){border-right:0}
@media(max-width:700px){.cov-grid .cov-item{border-right:0}}
.cov-item .lbl{
  font-family:'Inter',sans-serif;font-size:11px;letter-spacing:0.2em;
  text-transform:uppercase;color:var(--gold);font-weight:500;
}
.cov-item h3{font-family:'Fraunces',serif;font-size:22px;color:var(--navy);line-height:1.2}
.cov-item p{color:var(--muted);font-size:15px;line-height:1.6;margin-top:4px}

/* Differentiator / what-sets-apart */
.different{background:var(--navy);color:var(--ivory);position:relative;overflow:hidden}
.different::before{
  content:"";position:absolute;inset:0;
  background:radial-gradient(800px 500px at 20% 30%, rgba(176,141,87,.10), transparent 60%);
  pointer-events:none;
}
.different .wrap{position:relative}
.different .eyebrow{color:var(--gold)}
.different h2{color:var(--ivory)}
.different .lede{color:rgba(245,239,230,.75)}
.diff-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:48px 64px;margin-top:64px}
@media(max-width:900px){.diff-grid{grid-template-columns:1fr;gap:36px}}
.diff-item{padding-top:24px;border-top:1px solid rgba(176,141,87,.35)}
.diff-item .lbl{font-family:'Fraunces',serif;font-size:14px;letter-spacing:0.06em;color:var(--gold);margin-bottom:12px;display:block}
.diff-item h3{color:var(--ivory);font-size:22px;margin-bottom:10px}
.diff-item p{color:rgba(245,239,230,.78);font-size:15.5px;line-height:1.65}

/* Scenario / case study */
.scenario{background:var(--ivory)}
.scenario-card{
  background:var(--cream);
  border:1px solid var(--line);
  border-radius:6px;
  padding:56px 60px;
  display:grid;grid-template-columns:auto 1fr;gap:48px;align-items:start;
  position:relative;
}
@media(max-width:900px){.scenario-card{grid-template-columns:1fr;padding:40px 32px;gap:24px}}
.scenario-card .mark{
  font-family:'Fraunces',serif;font-style:italic;font-size:96px;line-height:.8;
  color:var(--gold);opacity:.55;
}
.scenario-card .text p{font-size:18px;line-height:1.7;color:var(--ink)}
.scenario-card .text p + p{margin-top:14px}
.scenario-card .text .resolution{
  margin-top:24px;padding-top:24px;border-top:1px solid var(--line);
  font-size:15px;color:var(--muted);
}
.scenario-card .text .resolution strong{color:var(--navy);font-weight:500;display:block;font-size:11px;letter-spacing:0.2em;text-transform:uppercase;margin-bottom:6px;font-family:'Inter',sans-serif}

/* FAQ */
.faq{background:var(--cream);border-top:1px solid var(--line)}
.faq-list{max-width:880px;margin:0 auto}
.faq details{
  border-bottom:1px solid var(--line);padding:24px 0;
}
.faq details:first-child{border-top:1px solid var(--line)}
.faq summary{
  cursor:pointer;font-family:'Fraunces',serif;font-size:22px;color:var(--navy);
  list-style:none;display:flex;justify-content:space-between;gap:24px;align-items:center;
}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{
  content:"+";color:var(--gold);font-size:24px;font-weight:300;transition:transform .2s;font-family:'Inter',sans-serif;
}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq details p{margin-top:16px;color:var(--muted);font-size:16.5px;line-height:1.7;max-width:70ch}

/* Other-services strip (sibling pages) */
.also{background:var(--ivory);padding:96px 0 120px}
.also .label{font-size:12px;letter-spacing:0.2em;text-transform:uppercase;color:var(--muted);font-weight:500;margin-bottom:32px}
.also-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:24px}
@media(max-width:700px){.also-grid{grid-template-columns:1fr}}
.also-card{
  background:var(--cream);
  border:1px solid var(--line);
  border-radius:6px;
  padding:36px 36px;
  display:flex;justify-content:space-between;align-items:center;gap:24px;
  transition:transform .2s,border-color .2s,background .2s;
}
.also-card:hover{transform:translateY(-2px);border-color:var(--gold);background:var(--ivory)}
.also-card h3{font-family:'Fraunces',serif;font-size:22px;color:var(--navy)}
.also-card .sub{font-size:13.5px;color:var(--muted);margin-top:4px}
.also-card .arrow{color:var(--gold);font-size:22px;transition:transform .2s}
.also-card:hover .arrow{transform:translateX(4px)}

/* ============================================================
   About page
   ============================================================ */

/* Chapter — narrative section with a year marker */
.chapter{background:var(--ivory)}
.chapter.alt{background:var(--cream);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.chapter-grid{display:grid;grid-template-columns:.4fr 1fr;gap:80px;align-items:start}
@media(max-width:900px){.chapter-grid{grid-template-columns:1fr;gap:32px}}
.chapter-year{
  font-family:'Fraunces',serif;
  font-size:clamp(64px,8vw,112px);
  line-height:.9;color:var(--gold);font-weight:300;
  letter-spacing:-0.02em;font-feature-settings:"lnum";
}
.chapter-year .marker{display:block;font-family:'Inter',sans-serif;font-size:11px;letter-spacing:0.22em;text-transform:uppercase;color:var(--muted);font-weight:500;margin-bottom:16px}
.chapter-body h2{color:var(--navy);margin-bottom:24px}
.chapter-body p{font-size:18px;line-height:1.75;color:var(--ink)}
.chapter-body p + p{margin-top:18px}
.chapter-body .credentials{
  margin-top:32px;padding-top:24px;border-top:1px solid var(--line);
  display:flex;gap:48px;flex-wrap:wrap;
}
.chapter-body .credentials > div{font-size:14px;color:var(--muted)}
.chapter-body .credentials strong{display:block;font-size:11px;letter-spacing:0.2em;text-transform:uppercase;color:var(--gold);font-weight:500;margin-bottom:6px;font-family:'Inter',sans-serif}

/* Pull quote — large italic serif */
.pullquote{
  background:var(--navy);color:var(--ivory);
  padding:120px 0;text-align:center;position:relative;overflow:hidden;
}
.pullquote::before{
  content:"";position:absolute;inset:0;
  background:radial-gradient(900px 500px at 50% 30%, rgba(176,141,87,.10), transparent 60%);
  pointer-events:none;
}
.pullquote .wrap{position:relative;max-width:880px}
.pullquote blockquote{
  font-family:'Fraunces',serif;font-style:italic;font-weight:300;
  font-size:clamp(28px,3.4vw,42px);line-height:1.3;
  color:var(--ivory);
}
.pullquote blockquote span{color:var(--gold)}
.pullquote .attrib{
  margin-top:32px;font-size:12px;letter-spacing:0.22em;text-transform:uppercase;
  color:rgba(245,239,230,.6);font-weight:500;
}
.pullquote .attrib span{color:var(--gold)}

/* Team grid */
.team{background:var(--ivory)}
.team-grid{display:grid;grid-template-columns:1fr 1fr;gap:48px}
@media(max-width:900px){.team-grid{grid-template-columns:1fr;gap:48px}}
.member{display:flex;flex-direction:column}
.member-photo{
  aspect-ratio:5/6;
  background:linear-gradient(135deg, #1B2A4A 0%, #0E1F3D 100%);
  border-radius:6px;
  position:relative;overflow:hidden;
  margin-bottom:28px;
  box-shadow:0 30px 60px -30px rgba(14,31,61,.35);
}
.member-photo img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center top}
.member-photo .initials{
  position:absolute;inset:0;display:flex;align-items:center;justify-content:center;
  font-family:'Fraunces',serif;font-size:96px;font-weight:300;color:rgba(176,141,87,.55);
  letter-spacing:-0.02em;
}
.member-photo .name-card{
  position:absolute;left:0;right:0;bottom:0;padding:24px 28px;color:var(--ivory);z-index:2;
  background:linear-gradient(180deg, rgba(14,31,61,0) 0%, rgba(14,31,61,.78) 100%);
}
.member-photo .name-card .nm{font-family:'Fraunces',serif;font-size:22px;line-height:1.1}
.member-photo .name-card .rl{font-size:11px;letter-spacing:0.2em;text-transform:uppercase;color:var(--gold);margin-top:6px}
.member .role{font-size:11px;letter-spacing:0.22em;text-transform:uppercase;color:var(--gold);font-weight:500;margin-bottom:8px}
.member .name{font-family:'Fraunces',serif;font-size:32px;color:var(--navy);line-height:1.1;margin-bottom:18px}
.member .bio{color:var(--muted);font-size:15.5px;line-height:1.7}
.member .bio + .bio{margin-top:14px}
.member .creds{
  margin-top:20px;font-size:13px;color:var(--muted);
  border-top:1px solid var(--line);padding-top:16px;
}
.member .creds strong{color:var(--navy);font-weight:500}

/* Values / principles */
.principles{background:var(--cream);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.principles-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
@media(max-width:900px){.principles-grid{grid-template-columns:1fr}}
.principle{
  background:var(--ivory);
  border:1px solid var(--line);
  border-radius:6px;
  padding:40px 36px;
}
.principle .roman{
  font-family:'Fraunces',serif;font-style:italic;
  font-size:14px;color:var(--gold);letter-spacing:0.04em;margin-bottom:18px;display:block;
}
.principle h3{color:var(--navy);font-size:24px;line-height:1.2;margin-bottom:12px}
.principle p{color:var(--muted);font-size:15.5px;line-height:1.65}

/* ============================================================
   Client Resources page
   ============================================================ */

/* Quick-action cards (top of resources page) */
.quick{background:var(--cream);border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:64px 0}
.quick-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
@media(max-width:900px){.quick-grid{grid-template-columns:1fr}}
.quick-card{
  background:var(--ivory);
  border:1px solid var(--line);
  border-radius:6px;
  padding:32px 32px;
  display:flex;flex-direction:column;
  transition:transform .2s,box-shadow .2s,border-color .2s;
}
.quick-card:hover{transform:translateY(-2px);box-shadow:0 18px 40px -24px rgba(14,31,61,.18);border-color:var(--gold)}
.quick-card .lbl{font-size:11px;letter-spacing:0.22em;text-transform:uppercase;color:var(--gold);font-weight:500;margin-bottom:14px}
.quick-card h3{font-family:'Fraunces',serif;font-size:22px;color:var(--navy);line-height:1.2;margin-bottom:10px}
.quick-card p{color:var(--muted);font-size:14.5px;line-height:1.6;flex:1}
.quick-card .arrow{margin-top:20px;color:var(--navy);font-size:14px;font-weight:500;display:inline-flex;align-items:center;gap:8px}
.quick-card:hover .arrow{color:var(--gold-dark)}

/* Step process */
.steps-numbered{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;margin-top:48px;counter-reset:step}
@media(max-width:900px){.steps-numbered{grid-template-columns:1fr 1fr;gap:32px}}
@media(max-width:600px){.steps-numbered{grid-template-columns:1fr}}
.step-num{position:relative;padding-top:32px;border-top:1px solid var(--line);counter-increment:step}
.step-num::before{
  content:counter(step,decimal-leading-zero);
  position:absolute;top:-14px;left:0;background:var(--ivory);padding-right:14px;
  color:var(--gold);font-family:'Fraunces',serif;font-size:14px;letter-spacing:0.08em;
}
.section.cream .step-num::before{background:var(--cream)}
.step-num h3{color:var(--navy);font-size:22px;line-height:1.2;margin-bottom:10px}
.step-num p{color:var(--muted);font-size:15px;line-height:1.65}

/* Carrier directory (table-ish) */
.carrier-dir{margin-top:48px;border:1px solid var(--line);border-radius:6px;overflow:hidden;background:var(--ivory)}
.cd-row{
  display:grid;grid-template-columns:1.2fr 1.8fr 1fr;gap:24px;
  padding:20px 28px;border-bottom:1px solid var(--line);
  align-items:center;
}
.cd-row:last-child{border-bottom:0}
.cd-row.head{
  background:var(--cream);font-size:11px;letter-spacing:0.18em;text-transform:uppercase;
  color:var(--muted);font-weight:500;padding-top:16px;padding-bottom:16px;
}
.cd-row .name{font-family:'Fraunces',serif;font-size:18px;color:var(--navy)}
.cd-row .sub{font-size:13px;color:var(--muted);margin-top:2px}
.cd-row .phone{font-family:'Inter',sans-serif;font-size:16px;color:var(--ink);font-variant-numeric:tabular-nums}
.cd-row .phone a{color:var(--ink);border-bottom:1px solid var(--gold);padding-bottom:1px}
.cd-row .phone a:hover{color:var(--gold-dark)}
.cd-row .web{font-size:13px;color:var(--muted)}
.cd-row .web a{color:var(--navy);border-bottom:1px solid transparent}
.cd-row .web a:hover{border-bottom-color:var(--gold)}
@media(max-width:700px){
  .cd-row{grid-template-columns:1fr;gap:6px;padding:18px 20px}
  .cd-row.head{display:none}
  .cd-row .phone, .cd-row .web{font-size:14.5px}
  .cd-row .phone::before{content:"Claims: ";color:var(--muted);font-size:11px;letter-spacing:0.18em;text-transform:uppercase}
  .cd-row .web::before{content:"Web: ";color:var(--muted);font-size:11px;letter-spacing:0.18em;text-transform:uppercase}
}

.dir-note{margin-top:24px;font-size:13px;color:var(--muted);line-height:1.6;max-width:70ch}

/* COI request box */
.coi-box{
  background:var(--cream);border:1px solid var(--line);border-radius:6px;
  padding:48px 56px;margin-top:40px;
  display:grid;grid-template-columns:1fr 1.2fr;gap:48px;align-items:start;
}
@media(max-width:900px){.coi-box{grid-template-columns:1fr;padding:32px 32px;gap:24px}}
.coi-box h3{color:var(--navy);font-size:26px;line-height:1.2;margin-bottom:12px}
.coi-box .what{color:var(--muted);font-size:15px;line-height:1.65}
.coi-box ol{list-style:none;counter-reset:item;padding-left:0}
.coi-box ol li{position:relative;padding-left:36px;padding-bottom:12px;font-size:15px;color:var(--ink);counter-increment:item;line-height:1.55}
.coi-box ol li::before{
  content:counter(item);position:absolute;left:0;top:0;
  width:24px;height:24px;border:1px solid var(--gold);border-radius:50%;
  display:flex;align-items:center;justify-content:center;
  font-size:11px;color:var(--gold);font-family:'Fraunces',serif;
}
.coi-box .btn{margin-top:8px}

/* Glossary */
.glossary-list{max-width:880px;margin:0 auto}
.glossary-list details{border-bottom:1px solid var(--line);padding:20px 0}
.glossary-list details:first-child{border-top:1px solid var(--line)}
.glossary-list summary{
  cursor:pointer;font-family:'Fraunces',serif;font-size:20px;color:var(--navy);
  list-style:none;display:flex;justify-content:space-between;gap:24px;align-items:center;
}
.glossary-list summary::-webkit-details-marker{display:none}
.glossary-list summary::after{
  content:"+";color:var(--gold);font-size:22px;font-weight:300;transition:transform .2s;font-family:'Inter',sans-serif;
}
.glossary-list details[open] summary::after{transform:rotate(45deg)}
.glossary-list summary .acro{font-family:'Inter',sans-serif;font-size:11px;letter-spacing:0.2em;text-transform:uppercase;color:var(--gold);margin-left:10px;font-weight:500}
.glossary-list details p{margin-top:12px;color:var(--muted);font-size:15.5px;line-height:1.7;max-width:75ch}

/* ============================================================
   Strategic redesign layer — minimal abstract texture direction
   ============================================================ */
:root{
  --texture-line:rgba(245,239,230,.045);
  --texture-gold:rgba(176,141,87,.14);
}

body::before{
  content:"";
  position:fixed;
  inset:0;
  pointer-events:none;
  z-index:9999;
  opacity:.16;
  background-image:url("data:image/svg+xml,%3Csvg viewBox='0 0 220 220' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.72' numOctaves='3' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='220' height='220' filter='url(%23n)' opacity='.35'/%3E%3C/svg%3E");
  mix-blend-mode:multiply;
}

.hero,
.page-hero,
.how,
.different,
.pullquote,
.cta-band{
  isolation:isolate;
}

.hero::before,
.page-hero::before,
.how::before,
.different::before,
.pullquote::before,
.cta-band::before{
  background:
    radial-gradient(900px 520px at 82% 16%, rgba(176,141,87,.16), transparent 64%),
    radial-gradient(720px 520px at 10% 90%, rgba(245,239,230,.045), transparent 62%),
    linear-gradient(115deg, rgba(255,255,255,.055), transparent 32%, rgba(176,141,87,.045) 68%, transparent 100%),
    repeating-linear-gradient(135deg, rgba(245,239,230,.035) 0 1px, transparent 1px 16px);
}

.hero::after,
.page-hero::after,
.how::after,
.different::after,
.pullquote::after,
.cta-band::after{
  content:"";
  position:absolute;
  inset:0;
  pointer-events:none;
  z-index:0;
  background-image:
    linear-gradient(rgba(245,239,230,.035) 1px, transparent 1px),
    linear-gradient(90deg, rgba(245,239,230,.028) 1px, transparent 1px);
  background-size:72px 72px;
  mask-image:radial-gradient(circle at 68% 26%, black 0%, transparent 58%);
  opacity:.72;
}

.hero-grid,
.page-hero .wrap,
.how .wrap,
.different .wrap,
.pullquote .wrap,
.cta-band .wrap{
  z-index:1;
}

.hero{
  min-height:760px;
  display:flex;
  align-items:center;
  padding:150px 0 112px;
}

.hero-grid{grid-template-columns:1.15fr .75fr;gap:96px}
.hero h1{max-width:13ch;letter-spacing:-.025em}
.hero .lede{font-size:21px;line-height:1.72;max-width:57ch}

.hero-proof{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:18px;
  margin-top:48px;
  max-width:780px;
}
.hero-proof div{
  border-top:1px solid rgba(176,141,87,.42);
  padding-top:16px;
}
.hero-proof strong{
  display:block;
  font-family:'Fraunces',serif;
  font-size:21px;
  line-height:1.15;
  color:var(--ivory);
  font-weight:400;
}
.hero-proof span{
  display:block;
  margin-top:6px;
  font-size:12px;
  letter-spacing:.14em;
  text-transform:uppercase;
  color:rgba(245,239,230,.58);
}

.anniversary{
  border-radius:999px 999px 8px 8px;
  min-height:430px;
  display:flex;
  flex-direction:column;
  justify-content:center;
  box-shadow:inset 0 1px 0 rgba(245,239,230,.08), 0 40px 100px -60px rgba(0,0,0,.75);
  background:
    radial-gradient(320px 280px at 50% 28%, rgba(176,141,87,.14), transparent 70%),
    linear-gradient(180deg, rgba(245,239,230,.045), rgba(176,141,87,.035));
}
.anniversary .figure{
  font-size:clamp(64px,7vw,104px);
  letter-spacing:-.04em;
}
.anniversary .span{letter-spacing:.16em}

.trust{background:#F3EBDC}
.anchor,.meet,.intro,.scenario,.team{background:linear-gradient(180deg, var(--ivory), #F8F4EC)}
.services,.insights,.coverage,.principles,.quick,.faq{background:linear-gradient(180deg, var(--cream), #EFE6D6)}

.svc,.insight,.quick-card,.principle,.cov-grid,.scenario-card,.coi-box,.carrier-dir{
  border-radius:10px;
  box-shadow:0 1px 0 rgba(255,255,255,.6), 0 24px 80px -58px rgba(14,31,61,.34);
}
.svc{padding:44px 38px}
.svc h3{font-size:30px;max-width:12ch}
.svc p{font-size:16px}

.thinking{
  background:var(--ivory);
  position:relative;
  overflow:hidden;
}
.thinking::before{
  content:"";
  position:absolute;
  inset:0;
  background:
    radial-gradient(700px 420px at 12% 8%, rgba(176,141,87,.12), transparent 62%),
    linear-gradient(90deg, rgba(14,31,61,.035), transparent 42%);
  pointer-events:none;
}
.thinking-grid{
  position:relative;
  display:grid;
  grid-template-columns:.85fr 1.15fr;
  gap:88px;
  align-items:start;
}
.thinking h2{max-width:12ch;color:var(--navy)}
.thinking-card{
  border-left:2px solid var(--gold);
  padding:12px 0 12px 36px;
}
.thinking-card p{
  font-size:21px;
  line-height:1.72;
  color:var(--ink);
}
.thinking-card p + p{margin-top:24px;color:var(--muted)}

.platform{
  background:var(--navy);
  color:var(--ivory);
  position:relative;
  overflow:hidden;
}
.platform::before{
  content:"";
  position:absolute;
  inset:0;
  background:
    radial-gradient(900px 540px at 80% 20%, rgba(176,141,87,.15), transparent 64%),
    repeating-linear-gradient(135deg, rgba(245,239,230,.035) 0 1px, transparent 1px 18px);
  pointer-events:none;
}
.platform-grid{
  position:relative;
  display:grid;
  grid-template-columns:.9fr 1.1fr;
  gap:72px;
  align-items:center;
}
.platform-panel{
  border:1px solid rgba(176,141,87,.38);
  border-radius:10px;
  padding:56px 48px;
  background:rgba(245,239,230,.035);
  box-shadow:inset 0 1px 0 rgba(245,239,230,.07);
}
.platform h2{color:var(--ivory);margin-top:16px}
.platform-copy p{font-size:21px;line-height:1.72;color:rgba(245,239,230,.82)}
.platform-points{
  margin-top:36px;
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:14px;
}
.platform-points div{
  padding:16px 0;
  border-top:1px solid rgba(176,141,87,.35);
  font-size:14px;
  letter-spacing:.08em;
  text-transform:uppercase;
  color:rgba(245,239,230,.72);
}

.step .n{background:transparent;text-shadow:0 0 18px var(--navy)}
.cta-band h2{max-width:14ch}

@media(max-width:900px){
  .hero{min-height:auto;padding:132px 0 84px}
  .hero-grid{grid-template-columns:1fr;gap:48px}
  .hero h1{max-width:11ch}
  .hero-proof{grid-template-columns:1fr;gap:22px}
  .anniversary{border-radius:10px;min-height:300px}
  .thinking-grid,.platform-grid{grid-template-columns:1fr;gap:36px}
  .platform-points{grid-template-columns:1fr}
  .thinking-card{padding-left:24px}
  .thinking-card p,.platform-copy p{font-size:18px}
}


/* ============================================================
   v3 corrections — square standard card + referral-first advisory system
   ============================================================ */
.anniversary{
  border-radius:10px !important;
  min-height:380px;
  aspect-ratio:auto;
  padding:48px 38px;
  background:
    linear-gradient(180deg, rgba(245,239,230,.075), rgba(176,141,87,.035)),
    repeating-linear-gradient(135deg, rgba(245,239,230,.035) 0 1px, transparent 1px 18px) !important;
}
.anniversary::before{
  content:"";
  position:absolute;
  inset:18px;
  border:1px solid rgba(176,141,87,.28);
  border-radius:6px;
  pointer-events:none;
}
.anniversary .figure{font-size:clamp(62px,6.5vw,96px) !important;}
.anniversary .label{position:relative;z-index:1}
.anniversary .span{position:relative;z-index:1}

.client-spectrum{
  background:linear-gradient(180deg,#F8F4EC,var(--ivory));
  border-top:1px solid var(--line);
  border-bottom:1px solid var(--line);
}
.spectrum-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:72px;align-items:start}
.spectrum-list{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.spectrum-item{border-top:1px solid rgba(176,141,87,.42);padding-top:18px}
.spectrum-item h3{font-size:24px;color:var(--navy);margin-bottom:8px}
.spectrum-item p{font-size:15.5px;color:var(--muted);line-height:1.65}
.referral-note{margin-top:36px;padding:28px 32px;border:1px solid var(--line);border-radius:10px;background:rgba(255,255,255,.45)}
.referral-note strong{font-family:'Fraunces',serif;font-size:22px;font-weight:400;color:var(--navy);display:block;margin-bottom:8px}
.referral-note p{color:var(--muted);font-size:16px;line-height:1.68}

.advisor-section{background:var(--navy);color:var(--ivory);position:relative;overflow:hidden}
.advisor-section::before{content:"";position:absolute;inset:0;background:radial-gradient(850px 520px at 18% 20%,rgba(176,141,87,.14),transparent 62%),repeating-linear-gradient(135deg,rgba(245,239,230,.035) 0 1px,transparent 1px 18px);pointer-events:none}
.advisor-section .wrap{position:relative;z-index:1}
.advisor-grid{display:grid;grid-template-columns:1fr 1fr;gap:80px;align-items:start}
.advisor-section h2{color:var(--ivory)}
.advisor-section p{font-size:20px;line-height:1.75;color:rgba(245,239,230,.78)}
.advisor-points{display:grid;gap:18px;margin-top:10px}
.advisor-points div{padding:22px 0;border-top:1px solid rgba(176,141,87,.35);font-size:15px;letter-spacing:.08em;text-transform:uppercase;color:rgba(245,239,230,.72)}

@media(max-width:900px){
  .spectrum-grid,.advisor-grid{grid-template-columns:1fr;gap:36px}
  .spectrum-list{grid-template-columns:1fr}
  .anniversary{min-height:300px}
}


/* Targeted hero label refinements */
.page-hero .crumb a {
  color: var(--gold) !important;
}
.page-hero .crumb .page-subtitle {
  font-weight: 500;
  opacity: 1;
}
.page-hero .crumb .page-subtitle-white {
  color: #ffffff !important;
}
.page-hero .crumb .page-subtitle-gold {
  color: var(--gold) !important;
}
.page-hero .crumb .sep {
  color: rgba(255,255,255,.5);
  opacity: 1;
}


/* v8 targeted fixes */
.page-hero .crumb .page-subtitle-gold{
    color:#ffffff !important;
}