/*
Theme Name: Apex Financial Advice
Theme URI: https://uniwebau.com
Author: Uniweb
Author URI: https://uniwebau.com
Description: Custom theme for Apex Financial Advice, Greenslopes, built from the approved homepage concept.
Version: 1.0.0
Requires PHP: 7.4
License: GNU General Public License v2 or later
Text Domain: apex-advice
*/

:root{
  --navy:#012E57;
  --navy-deep:#021F3C;
  --blue:#1B75BC;
  --blue-light:#E8F1FA;
  --sky:#99CCFF;
  --ink:#14233A;
  --muted:#5A6B82;
  --line:#E1E7EF;
  --bg:#FFFFFF;
  --soft:#F4F7FB;
  --r:16px;
  --max:1200px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Manrope',system-ui,sans-serif;color:var(--ink);background:var(--bg);line-height:1.6;-webkit-font-smoothing:antialiased}
h1,h2,h3,h4{font-weight:800;line-height:1.12;letter-spacing:-0.02em;color:var(--navy)}
h1{font-size:clamp(2.2rem,3.8vw,3.1rem)}
h2{font-size:clamp(1.9rem,3.4vw,2.7rem)}
h3{font-size:1.25rem}
p{color:var(--muted)}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
.wrap{max-width:var(--max);margin:0 auto;padding:0 24px}
.eyebrow{display:inline-flex;align-items:center;gap:10px;font-size:.78rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--blue);margin-bottom:16px}
.eyebrow:before{content:"";width:22px;height:2px;background:var(--blue)}
.btn{display:inline-flex;align-items:center;gap:10px;padding:15px 26px;border-radius:10px;font-weight:700;font-size:.95rem;border:2px solid transparent;transition:.2s;cursor:pointer;font-family:inherit}
.btn svg{width:18px;height:18px}
.btn-blue{background:var(--blue);color:#fff}
.btn-blue:hover{background:#1663A3}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--navy-deep)}
.btn-white{background:#fff;color:var(--navy)}
.btn-white:hover{background:var(--blue-light)}
.btn-outline{border-color:rgba(255,255,255,.4);color:#fff}
.btn-outline:hover{border-color:#fff;background:rgba(255,255,255,.08)}
.btn-ghost{border-color:var(--navy);color:var(--navy);background:#fff}
.btn-ghost:hover{border-color:var(--navy)}
section{padding:100px 0}
.head{max-width:680px;margin-bottom:56px}
.head p{font-size:1.1rem;margin-top:16px}
.head.center{margin-left:auto;margin-right:auto;text-align:center}
.head.center .eyebrow:before{display:none}

/* top bar */
.topbar{background:var(--navy-deep);color:rgba(255,255,255,.85);font-size:1rem;padding:14px 0}
.topbar .wrap{display:grid;grid-template-columns:1fr auto 1fr;align-items:center;gap:20px}
.topbar .right{justify-self:end}
.topbar a:hover{color:#fff}
.topbar .vet{color:#fff;font-weight:700;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.2);padding:8px 18px;border-radius:999px;transition:.2s}
.topbar .vet:hover{background:var(--blue);border-color:var(--blue)}
.topbar .right{display:flex;gap:26px;align-items:center}
.topbar .right a,.topbar .left{display:inline-flex;align-items:center;gap:8px}
.topbar svg{width:18px;height:18px;color:var(--sky)}

/* nav */
header.nav{position:sticky;top:0;z-index:50;background:#fff;border-bottom:1px solid var(--line)}
.nav .wrap{display:flex;align-items:center;justify-content:space-between;height:124px}
.logo{display:flex;align-items:center;flex:none}
.logo img{height:115px;width:auto;display:block}
.menu{display:flex;gap:6px;font-size:1.05rem;font-weight:600;list-style:none;margin:0 16px}
.menu>li{position:relative}
.menu>li>a{display:flex;align-items:center;gap:6px;padding:12px 16px;border-radius:8px;transition:.2s;color:var(--navy)}
.menu>li>a:hover{background:var(--soft);color:var(--blue)}
.menu>li>a svg{width:14px;height:14px;opacity:.6}
.menu .drop{position:absolute;top:100%;left:0;min-width:260px;background:#fff;border:1px solid var(--line);border-radius:12px;padding:10px;box-shadow:0 24px 50px rgba(1,46,87,.14);opacity:0;visibility:hidden;transform:translateY(8px);transition:.2s;list-style:none}
.menu .drop.wide{min-width:560px;columns:2;column-gap:10px}
.menu>li:hover .drop{opacity:1;visibility:visible;transform:translateY(0)}
.menu .drop li{break-inside:avoid}
.menu .drop a{display:block;padding:10px 12px;border-radius:8px;font-weight:500;font-size:.9rem;color:var(--ink)}
.menu .drop a:hover{background:var(--blue-light);color:var(--blue)}
.menu .drop a small{display:block;font-size:.76rem;color:var(--muted);font-weight:400}
.nav-cta{display:flex;align-items:center;gap:16px;white-space:nowrap}
.burger{display:none;width:44px;height:44px;border:1px solid var(--line);border-radius:10px;background:#fff;color:var(--navy);font-size:1.2rem}

/* hero */
.hero{position:relative;background:var(--navy);color:#fff;overflow:hidden}
.hero .bg{position:absolute;inset:0;background-position:center 25%;background-size:cover;background-repeat:no-repeat}
.hero .bg:after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(1,46,87,.82) 0%,rgba(1,46,87,.66) 25%,rgba(1,46,87,.42) 50%,rgba(1,46,87,.18) 75%,rgba(1,46,87,.05) 100%)}
.hero .wrap{position:relative;min-height:680px;display:flex;align-items:flex-end;padding-top:220px;padding-bottom:64px}
.hero .copy{max-width:560px}
.hero .eyebrow{color:var(--sky)}
.hero .eyebrow:before{background:var(--sky)}
.hero h1{color:#fff;margin-bottom:22px;text-shadow:0 2px 18px rgba(1,46,87,.45)}
.hero h1 span{color:var(--sky)}
.hero p{color:rgba(255,255,255,.88);font-size:1.15rem;max-width:480px;text-shadow:0 1px 12px rgba(1,46,87,.5)}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:36px}
.hero-proof{display:flex;gap:36px;margin-top:44px;padding-top:26px;border-top:1px solid rgba(255,255,255,.18);flex-wrap:wrap}
.hero-proof strong{display:block;font-size:1.5rem;font-weight:800;line-height:1;color:#fff}
.hero-proof span{font-size:.82rem;color:rgba(255,255,255,.7)}
.field{margin-bottom:12px}
.field label{display:block;font-size:.78rem;font-weight:700;margin-bottom:6px;color:var(--navy)}
.field input,.field select,.field textarea{width:100%;padding:12px 14px;border:1px solid var(--line);border-radius:10px;font:inherit;font-size:.93rem;background:var(--soft);color:var(--ink)}
.field input:focus,.field select:focus,.field textarea:focus{outline:2px solid var(--blue);border-color:transparent}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:12px}

/* services */
.services{background:var(--soft);padding:64px 0 72px}
.services .head{margin-bottom:36px}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:32px 28px;transition:.25s;display:flex;flex-direction:column}
.card:hover{transform:translateY(-4px);box-shadow:0 24px 44px rgba(1,46,87,.1);border-color:transparent}
.card .ic{width:60px;height:60px;border-radius:14px;background:var(--blue-light);display:grid;place-items:center;margin-bottom:22px;color:var(--blue)}
.card .ic svg{width:30px;height:30px}
.card h3{margin-bottom:8px}
.card p{font-size:.93rem;flex:1}
.card .more{margin-top:18px;font-size:.86rem;font-weight:700;color:var(--blue);display:inline-flex;align-items:center;gap:6px}
.card .more svg{width:14px;height:14px;transition:.2s}
.card:hover .more svg{transform:translateX(3px)}
.card.dark{background:var(--navy);border-color:var(--navy)}
.card.dark h3{color:#fff}
.card.dark p{color:rgba(255,255,255,.75)}
.card.dark .ic{background:rgba(255,255,255,.1);color:var(--sky)}
.card.dark .more{color:var(--sky)}

/* who we help */
.who{padding:60px 0 64px}
.who .head.center{margin-bottom:40px}
.journey{display:grid;grid-template-columns:repeat(5,1fr);gap:24px;position:relative}
.journey:before{content:"";position:absolute;left:10%;right:10%;top:34px;height:2px;background:linear-gradient(90deg,var(--blue-light),var(--blue) 50%,var(--blue-light))}
.stage{text-align:center;position:relative;padding:0 6px}
.stage .dot{width:68px;height:68px;border-radius:50%;background:#fff;border:2px solid var(--blue);color:var(--blue);display:grid;place-items:center;margin:0 auto 22px;position:relative;z-index:1;box-shadow:0 0 0 8px #fff;transition:.25s}
.stage:hover .dot{background:var(--blue);color:#fff}
.stage .dot svg{width:30px;height:30px}
.stage strong{display:block;color:var(--navy);font-size:1.05rem;line-height:1.3;margin-bottom:8px}
.stage span{font-size:.9rem;color:var(--muted);line-height:1.55}

/* about */
.about{background:var(--navy);color:#fff;overflow:hidden;padding:64px 0}
.about .wrap{display:grid;grid-template-columns:1fr 1fr;gap:70px;align-items:center}
.about-visual{align-self:center}
.about h2{color:#fff;margin-bottom:26px}
.about .eyebrow{color:var(--sky)}.about .eyebrow:before{background:var(--sky)}
.about p{color:rgba(255,255,255,.78);font-size:1.05rem;margin-bottom:18px}
.about-visual{position:relative}
.about-visual img{border-radius:20px;width:100%;aspect-ratio:4/3;object-fit:cover;object-position:center 20%}
.about-visual .float{position:absolute;left:-20px;bottom:-20px;background:#fff;color:var(--navy);border-radius:14px;padding:14px 18px;box-shadow:0 20px 40px rgba(0,0,0,.3);display:flex;align-items:center;gap:14px;white-space:nowrap}
.about-visual .float strong{font-size:2rem;font-weight:800;line-height:1}
.about-visual .float span{font-size:.82rem;color:var(--muted);line-height:1.35}
.timeline{list-style:none;margin:28px 0 36px}
.timeline li{position:relative;padding:0 0 18px 30px;font-size:.95rem;color:rgba(255,255,255,.85);line-height:1.5}
.timeline li:before{content:"";position:absolute;left:0;top:6px;width:12px;height:12px;border-radius:50%;background:var(--sky);z-index:1}
.timeline li:after{content:"";position:absolute;left:5px;top:6px;bottom:-6px;width:2px;background:rgba(255,255,255,.18)}
.timeline li:last-child:after{display:none}
.timeline li b{color:#fff;font-weight:700;margin-right:8px}

/* process */
#process{padding:64px 0 72px}
#process .head.center{margin-bottom:44px}
.steps{display:grid;grid-template-columns:repeat(5,1fr);gap:0;border-top:1px solid var(--line)}
.step{position:relative;padding:26px 22px 10px 0;margin-right:22px}
.step:before{content:"";position:absolute;left:0;top:-1px;width:56px;height:3px;background:var(--blue);transition:.3s}
.step:hover:before{width:100%}
.step .n{font-size:3rem;font-weight:800;line-height:1;color:var(--blue-light);letter-spacing:-.04em;width:auto;height:auto;border-radius:0;background:none;display:block;margin-bottom:18px}
.step h3{font-size:1.08rem;color:var(--navy);margin:0 0 10px}
.step p{position:relative;font-size:.93rem}
.step .arrow{position:absolute;right:-14px;top:38px;width:28px;height:28px;border-radius:50%;background:#fff;border:1px solid var(--line);display:grid;place-items:center;color:var(--blue)}
.step .arrow svg{width:14px;height:14px}
.step:last-child{margin-right:0}
.step:last-child .arrow{display:none}
.process-cta{margin-top:44px;display:flex;align-items:center;gap:22px;justify-content:center;flex-wrap:wrap}
.process-cta span{font-size:.95rem;color:var(--muted)}

/* testimonials */
#reviews{background:var(--soft);padding:64px 0 72px}
.rv-layout{display:grid;grid-template-columns:.85fr 1.15fr;gap:24px;align-items:stretch}
.rv-panel{background:var(--navy);color:#fff;border-radius:20px;padding:44px 40px;display:flex;flex-direction:column;justify-content:center}
.rv-panel .eyebrow{color:var(--sky)}.rv-panel .eyebrow:before{background:var(--sky)}
.rv-panel h2{color:#fff;font-size:1.9rem;margin-bottom:22px}
.rv-panel .big{font-size:4.6rem;font-weight:800;line-height:1;color:#fff;display:flex;align-items:center;gap:10px;margin-bottom:14px}
.rv-panel .big span{color:#F5B301;font-size:2.6rem}
.rv-panel p{color:rgba(255,255,255,.75);font-size:.95rem;margin-bottom:28px;max-width:320px}
.rv-panel .btn{align-self:flex-start}
.rv-sets{position:relative;display:grid}
.set{grid-area:1/1;display:grid;grid-template-columns:1fr 1fr;gap:18px;opacity:0;transform:translateX(30px);transition:.6s;pointer-events:none}
.set.on{opacity:1;transform:none;pointer-events:auto}
.quote{background:#fff;border:1px solid var(--line);border-radius:16px;padding:26px 26px 24px;display:flex;flex-direction:column}
.quote .stars{color:#F5B301;font-size:1.5rem;letter-spacing:3px;line-height:1;margin-bottom:16px}
.quote p{color:var(--ink);font-size:1rem;line-height:1.55;flex:1;margin-bottom:16px}
.quote strong{display:block;font-size:.92rem;color:var(--navy)}
.rv-dots{display:flex;gap:8px;justify-content:center;margin-top:18px}
.rv-dots .dot{width:8px;height:8px;border-radius:50%;border:0;background:#CBD5E1;cursor:pointer;padding:0;transition:.2s}
.rv-dots .dot.on{background:var(--blue);width:24px;border-radius:4px}

/* lending band */
.lending{background:linear-gradient(135deg,var(--blue),#0F5A98);color:#fff}
.lending .wrap{display:grid;grid-template-columns:1.2fr .8fr;gap:60px;align-items:center}
.lending h2{color:#fff}
.lending .eyebrow{color:#fff}.lending .eyebrow:before{background:#fff}
.lending p{color:rgba(255,255,255,.85);font-size:1.08rem;margin-top:14px}
.lending ul{list-style:none;display:grid;gap:12px}
.lending li{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.18);border-radius:12px;padding:16px 20px;display:flex;gap:14px;align-items:center;font-weight:600}
.lending li svg{width:22px;height:22px;flex:none}

/* faq */
.faq .wrap{display:grid;grid-template-columns:.8fr 1.2fr;gap:60px;align-items:start}
details{border-bottom:1px solid var(--line);padding:22px 0}
details:first-of-type{border-top:1px solid var(--line)}
details summary{cursor:pointer;list-style:none;display:flex;justify-content:space-between;align-items:center;gap:20px;font-weight:700;font-size:1.05rem;color:var(--navy)}
details summary::-webkit-details-marker{display:none}
details summary:after{content:"+";flex:none;width:30px;height:30px;border-radius:50%;background:var(--blue-light);color:var(--blue);display:grid;place-items:center;font-size:1.2rem;transition:.2s}
details[open] summary:after{transform:rotate(45deg)}
details p{margin-top:14px;max-width:640px}

/* veteran cta */
.vet-cta{padding:0 0 0;background:#fff}
.vet-box{background:linear-gradient(120deg,var(--navy-deep),var(--navy) 60%,#0F4478);color:#fff;border-radius:24px;padding:48px 52px;display:flex;align-items:center;justify-content:space-between;gap:40px;position:relative;overflow:hidden;margin-bottom:72px}
.vet-box:before{content:"";position:absolute;right:-90px;top:-120px;width:420px;height:420px;border-radius:50%;border:44px solid rgba(255,255,255,.05)}
.vet-box>div{position:relative;max-width:720px}
.vet-box .eyebrow{color:var(--sky)}.vet-box .eyebrow:before{background:var(--sky)}
.vet-box h2{color:#fff;font-size:clamp(1.6rem,2.6vw,2.2rem);margin-bottom:12px}
.vet-box p{color:rgba(255,255,255,.78);font-size:1rem;max-width:640px}
.vet-box .btn{position:relative;flex:none;padding:18px 30px;font-size:1.05rem}

/* locations + contact */
.contact{background:linear-gradient(180deg,var(--blue-light) 0%,#DCEAF8 100%);padding:72px 0}
.contact .wrap{display:grid;grid-template-columns:1fr 1fr;gap:60px}
.contact-info>p{font-size:1.05rem;margin-bottom:30px}
.info-list{list-style:none}
.info-list li{display:flex;gap:16px;padding:16px 0;border-top:1px solid rgba(27,117,188,.18);align-items:center}
.info-list li .ic{flex:none;width:48px;height:48px;border-radius:50%;background:var(--blue);color:#fff;display:grid;place-items:center;box-shadow:0 6px 16px rgba(27,117,188,.3)}
.info-list li .ic svg{width:20px;height:20px}
.info-list li strong{display:block;font-size:.8rem;color:var(--blue);text-transform:uppercase;letter-spacing:.08em}
.info-list li span{font-size:1rem;color:var(--navy);font-weight:600}
.locs{margin-top:28px}
.locs h4{font-size:.8rem;letter-spacing:.12em;text-transform:uppercase;color:var(--blue);margin-bottom:12px}
.locs div{display:flex;flex-wrap:wrap;gap:8px}
.locs a{font-size:.85rem;font-weight:600;padding:9px 16px;border-radius:999px;background:var(--blue);border:1px solid var(--blue);color:#fff;transition:.2s}
.locs a:hover{background:var(--navy);border-color:var(--navy)}
.form{background:#fff;border-radius:20px;padding:38px;border:0;box-shadow:0 30px 60px rgba(27,117,188,.18)}
.form h3{margin-bottom:22px}
.form textarea{min-height:120px;resize:vertical}
.form .btn{width:100%;justify-content:center;margin-top:8px}

/* footer */
footer{background:var(--navy-deep);color:rgba(255,255,255,.7);padding:70px 0 30px;font-size:.9rem}
.foot-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr 1.2fr;gap:36px;margin-bottom:50px}
footer h4{color:#fff;font-size:.8rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;margin-bottom:18px}
footer ul{list-style:none}
footer li{margin-bottom:10px}
.foot-contact li{display:flex;gap:10px;align-items:flex-start;margin-bottom:14px}
.foot-contact svg{width:17px;height:17px;flex:none;color:var(--sky);margin-top:3px}
footer a:hover{color:#fff}
footer .logo{margin-bottom:18px}
.social{display:flex;gap:10px;margin-top:18px}
.social a{width:38px;height:38px;border-radius:10px;border:1px solid rgba(255,255,255,.2);display:grid;place-items:center}
.social a:hover{background:rgba(255,255,255,.1)}
.social svg{width:18px;height:18px}
.foot-legal{border-top:1px solid rgba(255,255,255,.12);padding-top:26px;font-size:.78rem;color:rgba(255,255,255,.5);line-height:1.7}
.foot-legal .row{display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap;margin-top:16px}

/* responsive */
@media (max-width:1060px){
  .rv-layout{grid-template-columns:1fr}

  .grid,.steps{grid-template-columns:repeat(2,1fr)}
  .step:nth-child(2) .arrow,.step:nth-child(4) .arrow{display:none}
  .step:nth-child(n+3){border-top:1px solid var(--line)}
  .foot-grid{grid-template-columns:1fr 1fr 1fr}
  .menu{gap:0}
  .menu>li>a{padding:10px 10px;font-size:.95rem}
}
@media (max-width:1100px){
  .menu{display:none}
  .burger{display:block}
}
@media (max-width:900px){
  .vet-box{flex-direction:column;align-items:flex-start;padding:34px 28px}

  .topbar .vet{display:none}
  .topbar .wrap{grid-template-columns:1fr auto}
  .menu,.nav-cta .btn{display:none}
  .burger{display:block}
  .about .wrap,.lending .wrap,.faq .wrap,.contact .wrap{grid-template-columns:1fr;gap:48px}
  .journey{grid-template-columns:1fr;gap:0;padding-left:20px}
  .journey:before{left:33px;right:auto;top:20px;bottom:20px;width:2px;height:auto;background:linear-gradient(180deg,var(--blue-light),var(--blue) 50%,var(--blue-light))}
  .stage{display:grid;grid-template-columns:68px 1fr;column-gap:20px;text-align:left;padding:0 0 32px}
  .stage .dot{margin:0;grid-row:span 2;box-shadow:none;width:52px;height:52px;justify-self:center}
  .stage .dot svg{width:24px;height:24px}
  .hero .wrap{padding-top:60px;padding-bottom:60px;min-height:0}
  .hero .bg{background-position:center 15%}
  .hero .bg:after{background:linear-gradient(180deg,rgba(1,46,87,.94) 0%,rgba(1,46,87,.9) 100%)}
  .about-visual .float{left:12px;bottom:-16px}
  section{padding:70px 0}
}
@media (max-width:560px){
  .set{grid-template-columns:1fr}
  .rv-panel{padding:32px 26px}
  .grid,.steps,.foot-grid{grid-template-columns:1fr}
  .step{margin-right:0;padding-right:0}
  .step .arrow{display:none}
  .step:nth-child(n+2){border-top:1px solid var(--line)}
  .row2{grid-template-columns:1fr}
  .hero-proof{gap:24px}
  .form{padding:26px}
  .logo img{height:76px}.burger{width:40px;height:40px}
}

/* ===== WordPress + inner pages ===== */
.screen-reader-text{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0,0,0,0)}
.menu .drop a.active,.menu>li.current-menu-item>a,.menu>li.current-menu-ancestor>a{color:var(--blue)}
.menu .drop li.menu-item-has-children>a{font-weight:600}
.page-hero{background:linear-gradient(120deg,var(--navy-deep),var(--navy) 60%,#0F4478);color:#fff;padding:64px 0 56px;position:relative;overflow:hidden}
.page-hero:before{content:"";position:absolute;right:-120px;top:-160px;width:520px;height:520px;border-radius:50%;border:56px solid rgba(255,255,255,.05)}
.page-hero .wrap{position:relative}
.page-hero .eyebrow{color:var(--sky)}.page-hero .eyebrow:before{background:var(--sky)}
.page-hero h1{color:#fff;font-size:clamp(2rem,4vw,3rem);max-width:820px;margin-bottom:14px}
.page-hero .lead{color:rgba(255,255,255,.82);font-size:1.12rem;max-width:720px}
.page-hero .lead p{color:inherit;margin-bottom:12px}
.crumbs{font-size:.82rem;color:rgba(255,255,255,.6);margin-bottom:22px;display:flex;gap:8px;flex-wrap:wrap}
.crumbs a:hover{color:#fff}
.inner{padding:72px 0}
.inner .wrap{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:64px;align-items:start}
.inner.no-side .wrap{grid-template-columns:minmax(0,860px);justify-content:center}
.prose{font-size:1.02rem;color:var(--ink)}
.prose h2{font-size:1.55rem;margin:48px 0 16px;color:var(--navy);scroll-margin-top:140px;line-height:1.2}
.prose h2:first-child{margin-top:0}
.prose h3{font-size:1.2rem;margin:30px 0 10px;color:var(--navy)}
.prose p{color:var(--muted);margin-bottom:16px;line-height:1.7}
.prose ol{margin:0 0 20px 22px;color:var(--muted)}
.prose ul{list-style:none;margin:0 0 22px;color:var(--muted)}
.prose ul li{position:relative;padding-left:32px}
.prose ul li:before{content:"";position:absolute;left:0;top:3px;width:20px;height:20px;border-radius:50%;background:var(--blue-light) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%231B75BC' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M20 6 9 17l-5-5'/%3E%3C/svg%3E") center/11px no-repeat}
.prose details ul li:before{top:2px}
.prose li{margin-bottom:8px;line-height:1.6}
.prose li strong,.prose p strong{color:var(--ink)}
.prose a{color:var(--blue);font-weight:600}
.prose a:hover{text-decoration:underline}
.prose img{border-radius:14px;margin:10px 0 24px;height:auto}
.prose blockquote{border-left:4px solid var(--blue);padding:6px 0 6px 22px;margin:24px 0;color:var(--navy);font-weight:600;font-size:1.1rem}
.prose .wp-block-buttons{margin:24px 0}
.side{position:sticky;top:130px;display:grid;gap:20px}
.side-card{background:var(--soft);border:1px solid var(--line);border-radius:16px;padding:26px}
.side-card h4{font-size:.8rem;letter-spacing:.12em;text-transform:uppercase;color:var(--blue);margin-bottom:14px}
.side-card ul{list-style:none}
.side-card li a{display:flex;justify-content:space-between;align-items:center;padding:10px 0;border-top:1px solid var(--line);font-size:.93rem;font-weight:500;color:var(--ink)}
.side-card li:first-child a{border-top:0;padding-top:0}
.side-card li a:hover,.side-card li.current a{color:var(--blue)}
.side-card li a svg{width:14px;height:14px;flex:none;opacity:.5}
.side-cta{background:var(--navy);color:#fff;border:0}
.side-cta h3{color:#fff;font-size:1.25rem;margin-bottom:8px}
.side-cta p{color:rgba(255,255,255,.75);font-size:.92rem;margin-bottom:18px}
.side-cta .btn{width:100%;justify-content:center;margin-bottom:12px}
.side-cta .tel{display:flex;align-items:center;justify-content:center;gap:8px;font-weight:700;color:#fff}
.side-cta .tel svg{width:16px;height:16px;color:var(--sky)}
.faq-block{margin-top:56px;padding-top:40px;border-top:1px solid var(--line)}
.faq-block h2{font-size:1.55rem;margin-bottom:8px;color:var(--navy)}
.faq-block details summary{font-size:1rem}
.res-block{margin-top:48px;background:var(--soft);border:1px solid var(--line);border-radius:20px;padding:30px 30px 26px}
.res-head{display:flex;justify-content:space-between;align-items:baseline;gap:20px;flex-wrap:wrap;margin-bottom:20px}
.res-head h2{font-size:1.3rem;color:var(--navy);margin:0;padding:0;border:0}
.res-head p{margin:0;font-size:.88rem}
.res-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(170px,1fr));gap:14px}
.res-grid a{display:flex;flex-direction:column;align-items:center;text-align:center;gap:10px;padding:20px 14px 16px;background:#fff;border:1px solid var(--line);border-radius:14px;transition:.2s;color:var(--navy)}
.res-grid a:hover{border-color:var(--blue);transform:translateY(-3px);box-shadow:0 14px 28px rgba(1,46,87,.08)}
.res-grid .ic{width:64px;height:64px;display:grid;place-items:center}
.res-grid .ic img{width:64px;height:64px;object-fit:contain}
.res-grid .ic svg{width:30px;height:30px;color:var(--blue)}
.res-grid .nm{font-weight:700;font-size:.9rem;line-height:1.3}
.res-grid .go{font-size:.76rem;font-weight:600;color:var(--blue);display:inline-flex;align-items:center;gap:4px;margin-top:auto}
.res-grid .go svg{width:12px;height:12px}
.cta-band{background:var(--soft);padding:64px 0 72px}
.cta-band .box{background:linear-gradient(135deg,var(--blue),#0F5A98);color:#fff;border-radius:24px;padding:44px 52px;display:flex;align-items:center;justify-content:space-between;gap:40px;flex-wrap:wrap}
.cta-band h2{color:#fff;font-size:clamp(1.5rem,2.4vw,2rem);margin-bottom:8px}
.cta-band p{color:rgba(255,255,255,.85);max-width:640px}
.cta-band .btn{flex:none}
.serv-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.post-list{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.post-card{background:#fff;border:1px solid var(--line);border-radius:16px;overflow:hidden;display:flex;flex-direction:column}
.post-card .thumb{aspect-ratio:16/10;background:var(--blue-light);object-fit:cover;width:100%}
.post-card .body{padding:22px;display:flex;flex-direction:column;flex:1}
.post-card time{font-size:.78rem;color:var(--muted);margin-bottom:8px}
.post-card h3{font-size:1.1rem;margin-bottom:10px}
.post-card p{font-size:.92rem;flex:1}
.post-card .more{margin-top:14px;font-weight:700;font-size:.86rem;color:var(--blue)}
.pagination{display:flex;gap:8px;justify-content:center;margin-top:40px}
.pagination .page-numbers{padding:8px 14px;border:1px solid var(--line);border-radius:8px;font-weight:600}
.pagination .current{background:var(--navy);color:#fff;border-color:var(--navy)}
.entry-meta{color:var(--muted);font-size:.9rem;margin-bottom:20px}
.form-msg{padding:14px 18px;border-radius:10px;margin-bottom:16px;font-size:.92rem;font-weight:600}
.form-msg.ok{background:#E6F5EC;color:#1B6B3A}.form-msg.err{background:#FDECEC;color:#A32626}
.hp{position:absolute;left:-9999px}
.mob-menu{display:none;position:fixed;inset:0;z-index:100;background:var(--navy-deep);color:#fff;padding:24px;overflow:auto}
.mob-menu.open{display:block}
.mob-menu .top{display:flex;justify-content:space-between;align-items:center;margin-bottom:24px}
.mob-menu .close{width:44px;height:44px;border:1px solid rgba(255,255,255,.3);border-radius:10px;background:transparent;color:#fff;font-size:1.2rem}
.mob-menu ul{list-style:none}
.mob-menu>ul>li{border-bottom:1px solid rgba(255,255,255,.12)}
.mob-menu>ul>li>a{display:block;padding:16px 0;font-size:1.15rem;font-weight:700;color:#fff}
.mob-menu ul ul{padding:0 0 12px 14px}
.mob-menu ul ul a{display:block;padding:8px 0;color:rgba(255,255,255,.8)}
.mob-menu ul ul small{display:none}
.mob-menu .btn{width:100%;justify-content:center;margin-top:20px}
.mob-menu .mob-contact{margin-top:24px;color:rgba(255,255,255,.7);font-size:.9rem;display:grid;gap:8px}
@media (max-width:1060px){.inner .wrap{grid-template-columns:1fr;gap:40px}.side{position:static}.serv-grid,.post-list{grid-template-columns:repeat(2,1fr)}}
@media (max-width:640px){.serv-grid,.post-list{grid-template-columns:1fr}.res-grid{grid-template-columns:repeat(2,1fr)}.res-block{padding:22px 18px}.page-hero{padding:44px 0 40px}.inner{padding:48px 0}.cta-band .box{padding:30px 26px}}

/* hero icon, team, chips, bios */
.hero-row{display:flex;gap:28px;align-items:flex-start}
.hero-ic{flex:none;width:76px;height:76px;border-radius:20px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.18);display:grid;place-items:center;color:var(--sky);margin-top:6px}
.hero-ic svg{width:38px;height:38px}
.team-band{background:var(--soft);padding:72px 0}
.team-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.team-grid.few{grid-template-columns:repeat(2,1fr);max-width:820px;margin:0 auto}
.member{background:#fff;border:1px solid var(--line);border-radius:20px;overflow:hidden;display:flex;flex-direction:column;transition:.25s}
.member:hover{transform:translateY(-4px);box-shadow:0 24px 44px rgba(1,46,87,.1)}
.member .ph{aspect-ratio:5/5.2;background:linear-gradient(160deg,#E8F1FA,#CFE0F2);overflow:hidden}
.member .ph img{width:100%;height:100%;object-fit:cover;object-position:top;display:block}
.member .body{padding:24px 24px 26px;display:flex;flex-direction:column;flex:1}
.member strong{font-size:1.2rem;color:var(--navy)}
.member .role{display:block;color:var(--blue);font-weight:600;font-size:.88rem;margin:2px 0 12px}
.member .quals{list-style:none;margin:0 0 18px;flex:1}
.member .quals li{font-size:.85rem;color:var(--muted);padding-left:16px;position:relative;margin-bottom:4px}
.member .quals li:before{content:"";position:absolute;left:0;top:9px;width:6px;height:6px;border-radius:50%;background:var(--blue)}
.member .acts{display:flex;align-items:center;justify-content:space-between;gap:12px;flex-wrap:wrap}
.member .acts .btn{padding:12px 18px;font-size:.88rem}
.member .acts .more{font-size:.86rem;font-weight:700;color:var(--blue);display:inline-flex;align-items:center;gap:6px}
.member .acts .more svg{width:14px;height:14px}
.more-advice{padding:56px 0 8px;background:#fff}
.more-advice h4{font-size:.8rem;letter-spacing:.12em;text-transform:uppercase;color:var(--blue);margin-bottom:16px;text-align:center}
.more-advice .chips{display:flex;flex-wrap:wrap;gap:10px;justify-content:center}
.more-advice .chips a{display:inline-flex;align-items:center;gap:8px;padding:10px 16px;border:1px solid var(--line);border-radius:999px;font-size:.88rem;font-weight:600;color:var(--navy);transition:.2s}
.more-advice .chips a svg{width:16px;height:16px;color:var(--blue)}
.more-advice .chips a:hover{border-color:var(--blue);color:var(--blue)}
.bio{display:grid;grid-template-columns:260px 1fr;gap:40px;padding:40px 0;border-top:1px solid var(--line);scroll-margin-top:140px}
.bio:first-of-type{border-top:0;padding-top:0}
.bio-ph img{width:100%;height:auto;border-radius:18px;display:block}
.bio .role{display:block;color:var(--blue);font-weight:700;margin:-6px 0 16px}
@media (max-width:1060px){.team-grid{grid-template-columns:repeat(2,1fr)}}
@media (max-width:640px){.team-grid,.team-grid.few,.bio{grid-template-columns:1fr}.hero-row{gap:16px}.hero-ic{width:56px;height:56px;border-radius:14px}.hero-ic svg{width:28px;height:28px}.team-band{padding:48px 0}}

/* full width advice layout */
.inner.wide .wrap{display:block}
.intro-cols{columns:2;column-gap:56px;margin-bottom:44px;max-width:none}
.intro-cols p{break-inside:avoid;font-size:1.08rem;color:var(--ink)}
.intro-cols p:first-child{margin-top:0}
.sec-grid{columns:2;column-gap:24px}
.sec-card{break-inside:avoid;background:#fff;border:1px solid var(--line);border-radius:18px;padding:30px 30px 22px;margin:0 0 24px;display:inline-block;width:100%;box-sizing:border-box;box-shadow:0 8px 24px rgba(1,46,87,.04)}
.sec-card h2{margin:0 0 14px;font-size:1.3rem;padding-left:0;border-left:0;position:relative;padding-top:14px}
.sec-card h2:before{content:"";position:absolute;left:0;top:0;width:40px;height:3px;background:var(--blue);border-radius:2px}
.sec-card p{font-size:.98rem}
.sec-card h3{font-size:1.02rem;margin:18px 0 8px;color:var(--navy)}
.sec-card ul{margin-bottom:14px}
.sec-card p:last-child,.sec-card ul:last-child{margin-bottom:0}
.wide-block{max-width:none}
.wide-block .res-grid{grid-template-columns:repeat(auto-fill,minmax(190px,1fr))}
.wide-block .faq-block{margin-top:44px}
.wide-block .faq-block .faqs{columns:2;column-gap:40px}
.wide-block .faq-block details{break-inside:avoid;display:inline-block;width:100%;box-sizing:border-box}
@media (max-width:900px){.intro-cols,.sec-grid,.wide-block .faq-block .faqs{columns:1}}

/* advice page upper layout */
.adv-open{padding:64px 0 56px}
.adv-intro{max-width:980px}
.adv-intro p{font-size:1.15rem;line-height:1.7;color:var(--muted)}
.adv-intro p:first-child{font-size:clamp(1.4rem,2.2vw,1.85rem);font-weight:700;color:var(--navy);line-height:1.35;letter-spacing:-.01em;margin-bottom:18px}
.adv-help-band{background:var(--soft);border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:64px 0}
.help-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:56px;align-items:start}
.help-copy h2{color:var(--navy);font-size:clamp(1.5rem,2.4vw,2rem);margin:0 0 16px;padding:0;border:0}
.help-copy .prose p{color:var(--muted);font-size:1.05rem}
.help-points{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.help-points .pt{display:flex;gap:14px;align-items:flex-start;background:#fff;border:1px solid var(--line);border-radius:14px;padding:16px 18px;font-size:.95rem;line-height:1.5;color:var(--ink);box-shadow:0 6px 18px rgba(1,46,87,.04)}
.help-points .pt strong{color:var(--navy)}
.help-points .n{flex:none;width:28px;height:28px;border-radius:50%;background:var(--blue);color:#fff;font-size:.8rem;font-weight:800;display:grid;place-items:center;margin-top:1px}
.help-tail{margin-top:28px;padding-top:24px;border-top:1px solid var(--line)}
.help-tail p{color:var(--navy);font-weight:600;font-size:1.05rem;margin:0}
.adv-features{padding:64px 0 56px}
.adv-features{padding:32px 0 56px}
.feat-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-bottom:22px}
.feat-grid.cols-2{grid-template-columns:repeat(2,1fr)}
.feat-grid.cols-1{grid-template-columns:1fr}
.adv-features .feat.wide{margin-bottom:22px}
.feat{position:relative;background:#fff;border:1px solid var(--line);border-radius:20px;padding:30px 28px 26px;overflow:hidden;transition:.25s}
.feat:hover{transform:translateY(-4px);box-shadow:0 24px 44px rgba(1,46,87,.08);border-color:transparent}
.feat h2{position:relative;font-size:1.2rem;margin:0 0 12px;padding:0 0 12px;border:0;border-bottom:2px solid var(--blue-light);color:var(--navy)}
.feat .prose p{font-size:.95rem}
.feat .prose ul{margin-bottom:6px}
.feat .prose li{font-size:.93rem}
.feat.wide{background:var(--soft)}
.feat.wide{padding:34px 34px 30px}
.feat.wide h2{font-size:1.45rem;border-bottom:0;padding-bottom:0}
.feat.wide>.prose p{font-size:1.02rem}
.feat.wide .pair{display:grid;grid-template-columns:1fr 1fr;gap:0;margin-top:20px;border-radius:16px;overflow:hidden}
.feat.wide .panel{padding:28px 30px}
.feat.wide .panel.light{background:var(--blue-light)}
.feat.wide .panel.navy{background:var(--navy);color:#fff}
.feat.wide .panel h3{font-size:1.15rem;margin:0 0 16px;color:var(--navy)}
.feat.wide .panel.navy h3,.feat.wide .panel.navy p,.feat.wide .panel.navy li,.feat.wide .panel.navy strong{color:#fff}
.feat.wide .panel .prose ul{margin-bottom:12px}
.feat.wide .panel .prose li{padding-left:0;display:flex;flex-direction:column;gap:2px;padding:12px 0;border-top:1px solid rgba(1,46,87,.12);margin:0}
.feat.wide .panel.navy .prose li{border-top-color:rgba(255,255,255,.14)}
.feat.wide .panel .prose li:before{display:none}
.feat.wide .panel .lbl{font-size:.88rem;color:var(--muted)}
.feat.wide .panel.navy .lbl{color:rgba(255,255,255,.7)}
.feat.wide .panel .val{font-size:1.5rem;font-weight:800;color:var(--navy);letter-spacing:-.01em}
.feat.wide .panel.navy .val{color:#fff}
.feat.wide .panel .note{display:flex;flex-wrap:wrap;align-items:center;gap:6px;font-size:.86rem;color:var(--muted);margin-top:4px}
.feat.wide .panel.navy .note{color:rgba(255,255,255,.7)}
.feat.wide .panel .note a.src{margin:0}
.feat.wide .panel .prose p{font-size:.9rem;margin:6px 0 0}
.feat.wide .strip{margin-top:20px;background:#fff;border:1px solid var(--line);border-radius:14px;padding:22px 26px;display:grid;grid-template-columns:220px 1fr;gap:24px;align-items:start}
.feat.wide .strip h3{font-size:1.05rem;color:var(--navy);margin:4px 0 0}
.feat.wide .strip .prose ul{margin-bottom:8px;columns:2;column-gap:28px}
.feat.wide .strip .prose li{break-inside:avoid;font-size:.93rem}
.feat.wide .strip .prose p{font-size:.9rem;margin:0}
.prose a.src{display:inline-block;width:auto;font-size:.72rem;font-weight:600;color:var(--blue);background:#fff;border:1px solid rgba(27,117,188,.25);padding:1px 8px;border-radius:999px;margin-left:4px;vertical-align:middle;line-height:1.6}
.feat.wide .panel.navy a.src{background:rgba(255,255,255,.1);border-color:rgba(255,255,255,.25);color:var(--sky)}
.adv-why{background:linear-gradient(120deg,var(--navy-deep),var(--navy) 60%,#0F4478);color:#fff;padding:64px 0}
.why-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:center}
.adv-why h2{color:#fff;font-size:clamp(1.5rem,2.4vw,2rem);margin:0 0 16px;padding:0;border:0}
.why-side .lead-in p{color:#fff;font-weight:700;font-size:1.05rem;margin:0 0 14px}
.adv-why .prose p{color:rgba(255,255,255,.82);font-size:1.05rem}
.why-tiles{display:grid;gap:12px}
.why-tiles .tile{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.14);border-radius:14px;padding:18px 22px;font-weight:600;display:flex;align-items:center;gap:14px}
.why-tiles .tile:before{content:"";flex:none;width:10px;height:10px;border-radius:50%;background:var(--sky)}
.adv-who{padding:64px 0 24px;text-align:center}
.adv-who h2{font-size:1.6rem;color:var(--navy);margin-bottom:8px}
.adv-who .prose.center p{margin:0 auto 22px;max-width:640px}
.pills{display:flex;flex-wrap:wrap;gap:10px;justify-content:center;max-width:900px;margin:0 auto}
.pills span{padding:11px 20px;border-radius:999px;background:var(--blue-light);color:var(--navy);font-weight:600;font-size:.95rem}
@media (max-width:1060px){.feat-grid,.feat-grid.cols-2{grid-template-columns:repeat(2,1fr)}.feat.wide .strip{grid-template-columns:1fr}}
@media (max-width:760px){.feat.wide .pair{grid-template-columns:1fr}.feat.wide .strip .prose ul{columns:1}}
@media (max-width:900px){.help-grid,.why-grid{grid-template-columns:1fr;gap:32px}.adv-open{padding:48px 0 36px}}
@media (max-width:640px){.help-points{grid-template-columns:1fr}}
@media (max-width:640px){.feat-grid,.feat-grid.cols-2{grid-template-columns:1fr}.adv-help{padding:28px 24px}}

/* label titles, callout, closing band, final note */
.feat-title{text-align:center;max-width:820px;margin:8px auto 28px}
.feat-title h2{font-size:clamp(1.5rem,2.4vw,2rem);color:var(--navy);margin:0 0 10px;padding:0;border:0}
.feat-title .prose p{font-size:1.02rem;margin:0 auto}
.feat h3.mini{font-size:1rem;color:var(--navy);margin:18px 0 8px}
.callout{display:grid;grid-template-columns:1fr 1.2fr;gap:0;background:var(--navy);color:#fff;border-radius:22px;overflow:hidden;margin:8px 0 28px}
.callout:not(:has(.co-map)){grid-template-columns:1fr;text-align:center}
.co-copy{padding:44px 40px;display:flex;flex-direction:column;justify-content:center}
.co-copy .eyebrow{color:var(--sky)}.co-copy .eyebrow:before{background:var(--sky)}
.co-copy h2{color:#fff;font-size:clamp(1.4rem,2.2vw,1.8rem);margin:0;padding:0;border:0}
.co-map iframe{width:100%;height:100%;min-height:320px;border:0;display:block}
.final-note{padding:8px 0 56px;text-align:center}
.final-note h2{font-size:1.6rem;color:var(--navy);margin-bottom:8px}
.final-note .prose p{font-size:1.1rem;margin:0 auto;max-width:640px}
.appt-band{background:var(--soft);padding:72px 0}
.appt-grid{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.appt-copy h2{font-size:clamp(1.6rem,2.6vw,2.2rem);color:var(--navy);margin:0 0 16px}
.appt-copy .prose p{font-size:1.05rem}
.appt-copy .tel{display:inline-flex;align-items:center;gap:10px;font-weight:700;font-size:1.15rem;color:var(--navy);margin-top:10px}
.appt-copy .tel svg{width:20px;height:20px;color:var(--blue)}
.appt-grid .form{box-shadow:0 30px 60px rgba(27,117,188,.15)}
@media (max-width:900px){.callout{grid-template-columns:1fr}.appt-grid{grid-template-columns:1fr;gap:32px}.co-copy{padding:32px 26px}.appt-band{padding:48px 0}}

.feat-title.sm{margin:18px auto 18px}.feat-title.sm h3{font-size:1.25rem;color:var(--navy);margin:0}

.member .mcontact{display:flex;flex-direction:column;gap:2px;font-size:.84rem;color:var(--muted);margin:-6px 0 16px}.member .mcontact a{color:var(--blue);font-weight:600}
.mcontact-line{font-size:.92rem;margin:-8px 0 14px}

.feat-grid.cols-1 .feat{max-width:860px;margin-left:auto;margin-right:auto;width:100%}

/* FAQ page */
.faq-group{margin-bottom:48px}
.faq-group>h2{font-size:1.5rem;color:var(--navy);margin:0 0 16px}
.faq-group .faqs{columns:2;column-gap:40px}
.faq-group details{break-inside:avoid;display:inline-block;width:100%;box-sizing:border-box}
.faq-group details h4{font-size:.95rem;color:var(--navy);margin:14px 0 4px}
@media (max-width:900px){.faq-group .faqs{columns:1}}

.gallery-band{padding:8px 0 48px}
.gallery{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
.gallery figure{margin:0;border-radius:16px;overflow:hidden;aspect-ratio:4/3;background:var(--blue-light)}
.gallery img{width:100%;height:100%;object-fit:cover;display:block;transition:.4s}
.gallery figure:hover img{transform:scale(1.04)}
@media (max-width:900px){.gallery{grid-template-columns:repeat(2,1fr)}}

/* ===== About page ===== */
.ab-hero{padding:36px 0 72px;background:#fff}
.ab-hero .crumbs{color:var(--muted);margin-bottom:26px}.ab-hero .crumbs a:hover{color:var(--blue)}
.ab-head{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:end;padding-bottom:40px}
.ab-head h1{font-size:clamp(2.4rem,5vw,4.2rem);line-height:1.04;margin-top:6px}
.ab-head h1 span{color:var(--blue)}
.ab-side p{font-size:1.12rem;color:var(--muted);margin-bottom:22px}
.ab-btns{display:flex;gap:12px;flex-wrap:nowrap}.ab-btns .btn{padding:14px 20px;font-size:.92rem;white-space:nowrap}
.ab-photo img{width:100%;aspect-ratio:2.7/1;object-fit:cover;object-position:center 22%;border-radius:26px;display:block}
.ab-stats{position:relative;z-index:2;margin:-44px auto 0;max-width:1040px;background:#fff;border-radius:20px;box-shadow:0 26px 60px rgba(1,46,87,.16);display:grid;grid-template-columns:repeat(4,1fr)}
.ab-stats>div{padding:26px 24px;border-right:1px solid var(--line)}
.ab-stats>div:last-child{border-right:0}
.ab-stats strong{display:block;font-size:1.9rem;font-weight:800;color:var(--navy);line-height:1.1;letter-spacing:-.02em}
.ab-stats strong em{font-style:normal;color:#F5B301}
.ab-stats span{font-size:.86rem;color:var(--muted)}
.ab-founder{background:var(--navy);color:#fff;padding:88px 0;position:relative}
.ab-founder-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:64px;align-items:center}
.ab-portrait{position:relative}
.ab-portrait img{width:100%;height:auto;border-radius:24px;display:block}
.ab-portrait .cap{margin-top:18px;color:#fff;display:flex;flex-direction:column;gap:2px}
.ab-portrait .cap strong{font-size:1.2rem;color:#fff}
.ab-portrait .cap span{font-size:.95rem;color:var(--sky)}
.ab-quote .eyebrow{color:var(--sky)}.ab-quote .eyebrow:before{background:var(--sky)}
.ab-quote blockquote{font-size:clamp(1.4rem,2.5vw,2.05rem);font-weight:700;line-height:1.32;letter-spacing:-.01em;margin:6px 0 24px;color:#fff;border:0;padding:0}
.ab-quote p{color:rgba(255,255,255,.78);font-size:1.05rem;max-width:620px;margin-bottom:22px}
.ab-link{display:inline-flex;align-items:center;gap:8px;font-weight:700;color:var(--sky)}
.ab-link svg{width:16px;height:16px;transition:.2s}.ab-link:hover svg{transform:translateX(4px)}
.ab-work{padding:84px 0 64px}
.ab-cols{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:8px}
.ab-col{background:var(--soft);border-radius:20px;padding:34px 30px}
.ab-col .ic{width:60px;height:60px;border-radius:16px;background:#fff;color:var(--blue);display:grid;place-items:center;margin-bottom:22px;box-shadow:0 8px 20px rgba(1,46,87,.06)}
.ab-col .ic svg{width:30px;height:30px}
.ab-col h3{font-size:1.2rem;color:var(--navy);margin-bottom:10px}
.ab-col p{font-size:.98rem}
.ab-fees{background:linear-gradient(180deg,var(--blue-light),#DCEAF8);padding:72px 0}
.ab-fees-grid{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center}
.ab-fees h2{font-size:clamp(1.7rem,3vw,2.4rem);margin:0 0 16px}
.ab-fees p{font-size:1.08rem;color:var(--ink)}
.ab-fee-steps{list-style:none;display:grid;gap:14px}
.ab-fee-steps li{display:flex;gap:18px;align-items:flex-start;background:#fff;border-radius:16px;padding:22px 24px;box-shadow:0 10px 26px rgba(27,117,188,.12)}
.ab-fee-steps .n{flex:none;width:38px;height:38px;border-radius:50%;background:var(--blue);color:#fff;font-weight:800;display:grid;place-items:center}
.ab-fee-steps strong{display:block;color:var(--navy);margin-bottom:2px}
.ab-fee-steps span{font-size:.92rem;color:var(--muted)}
.ab-process{padding:72px 0 64px}
.steps.four{grid-template-columns:repeat(4,1fr)}
.ab-team{background:var(--soft);padding:72px 0}
.ab-faces{display:grid;grid-template-columns:repeat(3,1fr);gap:34px 22px;margin:8px auto 0;max-width:720px}
.face{text-align:center;display:flex;flex-direction:column;align-items:center;gap:4px;transition:.25s}
.face:hover{transform:translateY(-4px)}
.face .ph{width:150px;height:180px;border-radius:18px;overflow:hidden;background:var(--blue-light);border:0;box-shadow:0 12px 28px rgba(1,46,87,.14);margin-bottom:14px;display:block}
.face .ph img{width:100%;height:100%;object-fit:cover;object-position:top;display:block}
.face strong{color:var(--navy);font-size:1.02rem}
.face .role{font-size:.84rem;color:var(--blue);font-weight:600;line-height:1.3}
.ab-community{padding:80px 0}
.ab-community-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:64px;align-items:center}
.ab-ctext h2{font-size:clamp(1.7rem,3vw,2.4rem);margin:0 0 16px}
.ab-ctext p{font-size:1.05rem;margin-bottom:14px}
.pills.left{justify-content:flex-start;margin:18px 0 0}
.ab-mosaic{display:grid;grid-template-columns:1.1fr .9fr;grid-template-rows:210px 210px;gap:14px}
.ab-mosaic figure{margin:0;border-radius:18px;overflow:hidden;background:var(--blue-light)}
.ab-mosaic img{width:100%;height:100%;object-fit:cover;display:block}
.ab-mosaic .m0{grid-row:1/3}
@media (max-width:1060px){.ab-faces{grid-template-columns:repeat(3,1fr)}.steps.four{grid-template-columns:repeat(2,1fr)}.ab-stats{grid-template-columns:repeat(2,1fr)}.ab-stats>div:nth-child(2){border-right:0}.ab-stats>div:nth-child(-n+2){border-bottom:1px solid var(--line)}}
@media (max-width:900px){.ab-btns{flex-wrap:wrap}.ab-head,.ab-founder-grid,.ab-fees-grid,.ab-community-grid{grid-template-columns:1fr;gap:32px}.ab-cols{grid-template-columns:1fr}.ab-photo img{aspect-ratio:1.6/1}.ab-founder{padding:64px 0}.ab-portrait{max-width:380px}}
@media (max-width:640px){.ab-faces{grid-template-columns:repeat(2,1fr)}.steps.four{grid-template-columns:1fr}.ab-stats{margin-top:-28px}.ab-stats strong{font-size:1.5rem}.ab-mosaic{grid-template-rows:150px 150px}.ab-hero{padding-top:24px}}

/* ===== Mortgages page ===== */
.mg-hero{background:linear-gradient(135deg,#F4F8FD,#E1ECF8);padding:32px 0 72px}
.mg-hero .crumbs{color:var(--muted);margin-bottom:28px}.mg-hero .crumbs a:hover{color:var(--blue)}
.mg-hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:60px;align-items:center}
.mg-hero h1{font-size:clamp(2.4rem,4.6vw,3.6rem);margin:6px 0 20px}
.mg-lead p{font-size:1.12rem;line-height:1.7;color:var(--ink)}
.mg-btns{display:flex;gap:12px;flex-wrap:wrap;margin-top:26px}
.mg-btns .btn svg{width:18px;height:18px}
.mg-simon{position:relative;border-radius:26px;overflow:hidden;box-shadow:0 30px 60px rgba(1,46,87,.22);max-width:460px;justify-self:end;width:100%}
.mg-simon img{width:100%;height:auto;aspect-ratio:1/1.08;object-fit:cover;object-position:top;display:block}
.mg-simon .info{position:absolute;left:14px;right:14px;bottom:14px;background:rgba(255,255,255,.97);border-radius:16px;padding:16px 20px;display:flex;flex-direction:column;gap:2px}
.mg-simon .lab{font-size:.68rem;letter-spacing:.1em;text-transform:uppercase;color:var(--blue);font-weight:700;margin-bottom:4px}
.mg-simon strong{font-size:1.15rem;color:var(--navy)}
.mg-simon .role{font-size:.86rem;color:var(--muted);margin-bottom:6px}
.mg-simon .c{display:flex;align-items:center;gap:8px;font-size:.88rem;font-weight:600;color:var(--navy)}
.mg-simon .c svg{width:15px;height:15px;color:var(--blue);flex:none}
.mg-explorer{padding:80px 0 72px}
.mg-explorer h2{max-width:780px;margin:0 0 34px;font-size:clamp(1.6rem,2.8vw,2.3rem)}
.mg-grid{display:grid;grid-template-columns:330px 1fr;gap:32px;align-items:start}
.mg-tabs{display:flex;flex-direction:column;gap:6px;position:sticky;top:140px}
.mg-tabs button{text-align:left;padding:14px 18px;border-radius:12px;border:1px solid var(--line);background:#fff;font:inherit;font-weight:600;font-size:.96rem;color:var(--navy);cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:12px;transition:.2s}
.mg-tabs button svg{width:15px;height:15px;opacity:.35;flex:none}
.mg-tabs button:hover{border-color:var(--blue)}
.mg-tabs button.on{background:var(--navy);color:#fff;border-color:var(--navy)}
.mg-tabs button.on svg{opacity:1;color:var(--sky)}
.mg-panel{background:var(--soft);border-radius:22px;padding:40px 44px;min-height:360px}
.mg-panel h3{font-size:1.8rem;color:var(--navy);margin:0 0 16px}
.mg-panel .prose p{font-size:1.05rem;color:var(--ink);line-height:1.75}
.mg-cta{display:inline-flex;align-items:center;gap:8px;margin-top:22px;font-weight:700;color:var(--blue)}
.mg-cta svg{width:16px;height:16px;transition:.2s}.mg-cta:hover svg{transform:translateX(4px)}
.js .mg-panel:not(.on){display:none}
.mg-commit{background:linear-gradient(120deg,var(--navy-deep),var(--navy) 60%,#0F4478);color:#fff;padding:72px 0;text-align:center}
.mg-commit h2{color:#fff;font-size:clamp(1.6rem,3vw,2.4rem);max-width:760px;margin:0 auto 16px}
.mg-commit .prose p{color:rgba(255,255,255,.82);font-size:1.12rem;max-width:760px;margin:0 auto}
@media (max-width:900px){.mg-hero-grid,.mg-grid{grid-template-columns:1fr;gap:32px}.mg-simon{justify-self:start;max-width:420px}.mg-tabs{flex-direction:row;overflow-x:auto;position:static;padding-bottom:6px;-webkit-overflow-scrolling:touch}.mg-tabs button{white-space:nowrap;flex:none}.mg-panel{padding:28px 24px;min-height:0}.mg-explorer{padding:56px 0 48px}}

/* ===== Insurance page ===== */
.in-hero{background:linear-gradient(160deg,#F4F8FD,#E4EEF9);padding:32px 0 76px}
.in-hero .crumbs{color:var(--muted);margin-bottom:28px}.in-hero .crumbs a:hover{color:var(--blue)}
.in-hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:start}
.in-hero h1{font-size:clamp(2.4rem,4.6vw,3.6rem);margin:6px 0 12px}
.in-hero .tag{font-size:clamp(1.3rem,2.2vw,1.7rem);font-weight:700;color:var(--blue);line-height:1.3;margin-bottom:20px;letter-spacing:-.01em}
.in-hero-copy .prose p{font-size:1.1rem;line-height:1.7;color:var(--ink)}
.in-btns{margin-top:24px}
.in-chooser{background:var(--navy);color:#fff;border-radius:24px;padding:34px 30px;box-shadow:0 30px 60px rgba(1,46,87,.22);position:relative;overflow:hidden}
.in-chooser:before{content:"";position:absolute;right:-70px;top:-90px;width:240px;height:240px;border-radius:50%;border:28px solid rgba(255,255,255,.05)}
.in-chooser h2{color:#fff;font-size:1.35rem;margin:0 0 6px;padding:0;border:0;position:relative}
.in-chooser .prose p{color:rgba(255,255,255,.75);font-size:.95rem;margin:0 0 18px;position:relative}
.in-chooser ul{list-style:none;display:grid;gap:8px;position:relative}
.in-chooser a{display:flex;align-items:center;gap:14px;padding:12px 14px;border-radius:14px;background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.12);color:#fff;font-weight:600;font-size:.98rem;transition:.2s}
.in-chooser a:hover{background:#fff;color:var(--navy);transform:translateX(4px)}
.in-chooser .ci{flex:none;width:40px;height:40px;border-radius:12px;background:rgba(255,255,255,.12);display:grid;place-items:center;color:var(--sky)}
.in-chooser a:hover .ci{background:var(--blue-light);color:var(--blue)}
.in-chooser .ci svg{width:22px;height:22px}
.in-chooser .cn{flex:1}
.in-chooser .go svg{width:16px;height:16px;opacity:.6}
.in-check{padding:72px 0 64px}
.in-check-head{display:grid;grid-template-columns:1fr 1.2fr;gap:48px;align-items:end;margin-bottom:26px}
.in-check-head h2{font-size:clamp(1.6rem,2.8vw,2.3rem);margin:0}
.in-check-head .prose p{font-size:1.08rem;margin:0}
.in-check-in p{font-weight:700;color:var(--navy);margin:0 0 14px}
.in-check-list{list-style:none;display:grid;grid-template-columns:repeat(5,1fr);border:1px solid var(--line);border-radius:20px;overflow:hidden}
.in-check-list li{padding:26px 22px;border-right:1px solid var(--line);display:flex;flex-direction:column;gap:14px;font-size:.96rem;line-height:1.5;color:var(--ink);background:#fff}
.in-check-list li:last-child{border-right:0}
.tick{flex:none;width:30px;height:30px;border-radius:50%;background:var(--blue);color:#fff;display:grid;place-items:center}
.tick svg{width:15px;height:15px}
.in-check-foot{margin-top:22px}
.in-check-foot p{font-size:1.1rem;font-weight:600;color:var(--navy);margin:0}
.in-cover{padding:76px 0;border-top:1px solid var(--line);background:#fff;scroll-margin-top:110px}
.in-cover.alt{background:var(--soft)}
.in-cover-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:64px;align-items:start}
.in-cover-side{position:sticky;top:130px}
.badge{width:72px;height:72px;border-radius:20px;background:var(--navy);color:var(--sky);display:grid;place-items:center;margin-bottom:22px;box-shadow:0 14px 30px rgba(1,46,87,.2)}
.badge svg{width:36px;height:36px}
.in-cover-side h2{font-size:clamp(1.7rem,3vw,2.5rem);margin:0 0 16px;padding:0;border:0;line-height:1.12}
.in-cover-side .def p{font-size:1.15rem;line-height:1.65;color:var(--navy);font-weight:600;margin:0}
.in-cover-body .prose p{font-size:1.03rem;line-height:1.75}
.in-ensure{background:#fff;border:1px solid var(--line);border-radius:16px;padding:26px 28px;margin:22px 0}
.in-cover.alt .in-ensure{background:#fff}
.in-ensure .leadin p{font-weight:800;color:var(--navy);margin:0 0 14px;font-size:1.05rem}
.in-ensure ul{list-style:none;margin:0;display:grid;grid-template-columns:1fr 1fr;gap:14px 26px}
.in-ensure li{padding:0}
.in-ensure li{display:flex;gap:12px;align-items:flex-start;font-size:.96rem;line-height:1.5;color:var(--ink)}
.in-ensure li:before{display:none}
.in-note{margin-top:24px;padding:22px 26px;border-radius:16px;background:var(--navy);color:#fff}
.in-note p{color:rgba(255,255,255,.85);margin:0 0 10px;font-size:1rem}
.in-note p strong{color:#fff}
.in-note .btn,.prose .in-note .btn{margin-top:8px;color:#fff}.in-note .btn:hover{background:#fff;color:var(--navy)}
.in-super{background:linear-gradient(120deg,var(--navy-deep),var(--navy) 60%,#0F4478);color:#fff;padding:72px 0}
.in-super-grid{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.in-super .badge{background:rgba(255,255,255,.1);box-shadow:none}
.in-super h2{color:#fff;font-size:clamp(1.6rem,2.8vw,2.3rem);margin:0 0 14px;padding:0;border:0}
.in-super .prose p{color:rgba(255,255,255,.82);font-size:1.08rem}
.in-super .leadin p{color:#fff;font-weight:700;margin:0 0 14px}
.in-three{display:grid;gap:12px}
.in-three>div{display:flex;gap:14px;align-items:center;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.14);border-radius:14px;padding:16px 18px;font-weight:600}
.in-three .n{flex:none;width:30px;height:30px;border-radius:50%;background:var(--blue);display:grid;place-items:center;font-size:.85rem;font-weight:800}
.in-why{padding:76px 0 40px;text-align:center}
.in-why h2{font-size:clamp(1.6rem,3vw,2.4rem);margin:0 0 24px}
.in-either .lead p{font-size:1.2rem;font-weight:700;color:var(--navy);margin:0 0 22px}
.in-either .pair{display:grid;grid-template-columns:1fr auto 1fr;gap:18px;align-items:center;max-width:860px;margin:0 auto}
.in-either .opt{background:var(--soft);border:1px solid var(--line);border-radius:18px;padding:32px 26px;font-size:1.15rem;font-weight:700;color:var(--navy);min-height:120px;display:grid;place-items:center}
.in-either .or{width:52px;height:52px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:800;text-transform:uppercase;font-size:.8rem;letter-spacing:.06em}
.in-why-foot{margin-top:26px}
.in-why-foot p{font-size:1.12rem;color:var(--ink);max-width:720px;margin:0 auto}
.in-who{padding:40px 0 24px;text-align:center}
.in-who h2{font-size:clamp(1.5rem,2.6vw,2rem);margin:0 0 8px}
.in-who .prose.center p{margin:0 auto 26px}
.in-who-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.in-who .wc{background:#fff;border:1px solid var(--line);border-radius:18px;padding:28px 22px;display:flex;flex-direction:column;align-items:center;gap:16px;font-weight:600;color:var(--navy);line-height:1.4;transition:.25s}
.in-who .wc:hover{transform:translateY(-4px);box-shadow:0 20px 40px rgba(1,46,87,.08);border-color:transparent}
.in-who .wi{width:60px;height:60px;border-radius:50%;background:var(--blue-light);color:var(--blue);display:grid;place-items:center}
.in-who .wi svg{width:28px;height:28px}
@media (max-width:1060px){.in-check-list{grid-template-columns:repeat(2,1fr)}.in-check-list li{border-bottom:1px solid var(--line)}.in-who-grid{grid-template-columns:repeat(2,1fr)}}
@media (max-width:900px){.in-hero-grid,.in-cover-grid,.in-super-grid,.in-check-head{grid-template-columns:1fr;gap:32px}.in-cover-side{position:static}.in-cover{padding:52px 0}.in-ensure ul{grid-template-columns:1fr}.in-either .pair{grid-template-columns:1fr}.in-either .or{margin:0 auto}}
@media (max-width:560px){.in-check-list{grid-template-columns:1fr}.in-who-grid{grid-template-columns:1fr}.in-ensure{padding:20px}}

/* ===== Retirement page ===== */
.rt-intro{padding:56px 0 8px}.rt-intro .prose{max-width:900px}.rt-intro .prose p{font-size:1.15rem;line-height:1.7;color:var(--ink)}.rt-intro .prose p:first-child{font-size:clamp(1.3rem,2.2vw,1.7rem);font-weight:700;color:var(--navy);line-height:1.35}
.rt-road{padding:56px 0 64px}
.rt-road-head{display:grid;grid-template-columns:1fr 1.2fr;gap:48px;align-items:end;margin-bottom:44px}
.rt-road-head h2{font-size:clamp(1.6rem,2.8vw,2.3rem);margin:0}.rt-road-head .prose p{margin:0 0 8px;font-size:1.05rem}
.rt-miles{list-style:none;display:grid;grid-template-columns:repeat(var(--n),1fr);position:relative;counter-reset:m}
.rt-miles:before{content:"";position:absolute;left:calc(50% / var(--n));right:calc(50% / var(--n));top:22px;height:3px;background:linear-gradient(90deg,var(--blue),var(--sky));border-radius:2px}
.rt-miles li{position:relative;text-align:center;padding:0 10px;display:flex;flex-direction:column;align-items:center;gap:16px}
.rt-miles .dot{width:46px;height:46px;border-radius:50%;background:var(--navy);color:#fff;font-weight:800;display:grid;place-items:center;border:5px solid #fff;box-shadow:0 0 0 2px var(--blue);position:relative;z-index:1}
.rt-miles .t{font-size:.94rem;line-height:1.5;color:var(--ink)}
.rt-road-foot{margin-top:38px;text-align:center}.rt-road-foot p{font-size:1.15rem;font-weight:700;color:var(--navy);margin:0}
.rt-line{background:var(--soft);padding:72px 0}
.rt-line-h{text-align:center;font-size:clamp(1.6rem,2.8vw,2.3rem);margin:0 0 44px}
.rt-tl{position:relative;display:grid;gap:28px}
.rt-tl:before{content:"";position:absolute;left:50%;top:0;bottom:0;width:3px;background:var(--blue-light);transform:translateX(-50%)}
.rt-step{position:relative;display:grid;grid-template-columns:1fr 1fr;gap:56px}
.rt-step .node{position:absolute;left:50%;top:34px;width:18px;height:18px;border-radius:50%;background:var(--blue);border:4px solid var(--soft);transform:translateX(-50%);z-index:1}
.rt-step .card{background:#fff;border:1px solid var(--line);border-radius:20px;padding:28px 30px;box-shadow:0 10px 26px rgba(1,46,87,.05)}
.rt-step.l .card{grid-column:1}.rt-step.r .card{grid-column:2}
.rt-step h3{font-size:1.25rem;color:var(--navy);margin:0 0 12px}
.rt-step .prose p{font-size:.97rem}
.rt-panels{padding:72px 0 24px}
.rt-panels-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px;align-items:stretch}
.rt-panel{border-radius:22px;padding:38px 36px}
.rt-panel h2{font-size:1.5rem;margin:0 0 14px;padding:0;border:0}
.rt-panel.navy{background:var(--navy);color:#fff}.rt-panel.navy h2,.rt-panel.navy p,.rt-panel.navy strong{color:#fff}.rt-panel.navy p{color:rgba(255,255,255,.82)}
.rt-panel.light{background:var(--blue-light)}.rt-panel.light h2{color:var(--navy)}.rt-panel.light p{color:var(--ink)}
.rt-why{padding:56px 0 32px;text-align:center}
.rt-why h2{font-size:clamp(1.6rem,2.8vw,2.3rem);margin:0 0 16px}
.rt-why-copy p{font-size:1.08rem;max-width:820px;margin:0 auto 12px}
.rt-why-in p{font-weight:700;color:var(--navy);margin:18px 0 14px}
.rt-chips{list-style:none;display:flex;flex-wrap:wrap;gap:12px;justify-content:center;max-width:980px;margin:0 auto 22px}
.rt-chips li{background:var(--navy);color:#fff;border-radius:14px;padding:16px 22px;font-weight:600;font-size:.98rem;line-height:1.4;max-width:300px}
@media (max-width:1060px){.rt-miles{grid-template-columns:1fr;gap:18px}.rt-miles:before{left:22px;right:auto;top:0;bottom:0;width:3px;height:auto;background:linear-gradient(180deg,var(--blue),var(--sky))}.rt-miles li{flex-direction:row;text-align:left;gap:18px;padding:0}.rt-road-head{grid-template-columns:1fr;gap:20px}}
@media (max-width:900px){.rt-tl:before{left:11px}.rt-step{grid-template-columns:1fr;padding-left:34px;gap:0}.rt-step .node{left:11px}.rt-step.l .card,.rt-step.r .card{grid-column:1}.rt-panels-grid{grid-template-columns:1fr}}

/* ===== Story page ===== */
.st-letter{padding:72px 0 40px}
.st-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:64px;align-items:start}
.st-side{position:sticky;top:130px}
.st-side img{width:100%;height:auto;border-radius:24px;display:block;box-shadow:0 24px 50px rgba(1,46,87,.16)}
.st-side .cap{margin-top:18px;display:flex;flex-direction:column;gap:2px}
.st-side .cap strong{font-size:1.2rem;color:var(--navy)}
.st-side .cap span{font-size:.95rem;color:var(--blue);font-weight:600}
.st-intro p{font-size:clamp(1.3rem,2.2vw,1.7rem);font-weight:700;color:var(--navy);line-height:1.35;margin:0 0 22px}
.st-body h2{font-size:clamp(1.5rem,2.6vw,2rem);margin:0 0 18px;padding:0;border:0}
.st-body .prose p{font-size:1.08rem;line-height:1.8;color:var(--ink);margin-bottom:18px}
.st-proud{padding:24px 0 24px;text-align:center}
.st-proud h2{font-size:clamp(1.6rem,3vw,2.3rem);margin:0}
@media (max-width:900px){.st-grid{grid-template-columns:1fr;gap:32px}.st-side{position:static;max-width:380px}.st-letter{padding:48px 0 24px}}

/* ===== Financial Education page ===== */
.adv-split{display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:center}
.adv-photo{margin:0}.adv-photo img{width:100%;height:auto;border-radius:24px;display:block;box-shadow:0 26px 54px rgba(1,46,87,.18)}
.slug-financial-education-brisbane .adv-features{background:linear-gradient(180deg,#F3F8FD,#E6EFFA);padding:64px 0 56px}
.slug-financial-education-brisbane .feat{background:var(--blue-light);border-color:transparent;box-shadow:none}
.slug-financial-education-brisbane .feat-grid .feat:nth-child(3n+2){background:#D5E5F7}
.slug-financial-education-brisbane .feat-grid .feat:nth-child(3n){background:#fff;border:1px solid #C9DCF2}
.slug-financial-education-brisbane .feat h2{border-bottom-color:rgba(27,117,188,.25)}
.slug-financial-education-brisbane .adv-open{padding-bottom:32px}
.cp-band{background:linear-gradient(180deg,#fff,#E6EFFA);padding:72px 0}
.cp-card{background:var(--blue-light);border-radius:28px;padding:40px;display:grid;grid-template-columns:260px 1fr;gap:44px;align-items:center;box-shadow:0 26px 54px rgba(27,117,188,.14)}
.cp-card .ph img{width:100%;height:auto;aspect-ratio:4/5;object-fit:cover;object-position:top;border-radius:22px;display:block;box-shadow:0 14px 30px rgba(1,46,87,.18)}
.cp-card h2{font-size:clamp(1.6rem,2.8vw,2.3rem);margin:6px 0 16px;color:var(--navy)}
.cp-card strong{display:block;font-size:1.2rem;color:var(--navy)}
.cp-card .role{display:block;color:var(--blue);font-weight:600;margin-bottom:22px}
.cp-card .acts{display:flex;gap:12px;flex-wrap:wrap}
.cp-card .acts .btn svg{width:18px;height:18px}
.cp-card .acts .btn-ghost{background:#fff}
@media (max-width:900px){.adv-split{grid-template-columns:1fr;gap:28px}.adv-photo{max-width:420px}.cp-card{grid-template-columns:1fr;padding:28px;gap:24px}.cp-card .ph{max-width:240px}}

/* ===== Education page (open layout) ===== */
.ed-two{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:start}
.ed-open{padding:56px 0 64px;border-top:1px solid var(--line)}
.ed-open h2,.ed-parents h2,.ed-programs h2,.ed-bring h2{font-size:clamp(1.6rem,2.8vw,2.3rem);margin:0 0 16px;padding:0;border:0}
.ed-open .prose p{font-size:1.05rem;line-height:1.75}
.ed-topics{list-style:none;columns:2;column-gap:32px;margin:0 0 18px}
.ed-topics li{break-inside:avoid;display:flex;gap:12px;align-items:flex-start;padding:11px 0;border-bottom:1px solid var(--line);font-size:.97rem;line-height:1.45;color:var(--ink)}
.ed-topics .t{flex:none;width:22px;height:22px;border-radius:50%;background:var(--blue);color:#fff;display:grid;place-items:center;margin-top:1px}.ed-topics .t svg{width:12px;height:12px}
.ed-parents{background:linear-gradient(180deg,#EAF2FB,#DCEAF8);padding:68px 0}
.ed-parents h3{font-size:1.35rem;color:var(--navy);margin:0 0 8px}
.ed-parents .prose p{font-size:1.05rem;line-height:1.75;color:var(--ink)}
.ed-tips{list-style:none;display:grid;grid-template-columns:1fr;gap:0;margin-top:20px}
.ed-lead p{font-weight:700;color:var(--navy);margin:0 0 6px}
.ed-tips li{display:flex;gap:20px;align-items:flex-start;padding:24px 0;border-top:1px solid rgba(27,117,188,.28)}
.ed-tips .n,.ed-benefits .n{flex:none;font-size:2.6rem;font-weight:800;line-height:1;color:var(--blue);letter-spacing:-.04em;min-width:44px}
.ed-tips h4,.ed-programs h4,.ed-benefits h4{font-size:1.1rem;color:var(--navy);margin:0 0 6px}
.ed-tips .prose p{font-size:.98rem;margin:0}
.ed-programs{padding:72px 0 64px;text-align:center}
.ed-programs .prose.lead p{max-width:780px;margin:0 auto 14px;font-size:1.08rem}
.ed-programs h3{font-size:1.2rem;color:var(--blue);margin:30px 0 22px}
.ed-cols{display:grid;grid-template-columns:repeat(4,1fr);text-align:left}
.ed-cols .col{padding:6px 26px;border-left:1px solid var(--line)}.ed-cols .col:first-child{border-left:0;padding-left:0}
.ed-cols .prose p{font-size:.95rem;margin:0}
.ed-why{background:linear-gradient(120deg,var(--navy-deep),var(--navy) 60%,#0F4478);color:#fff;padding:68px 0}
.ed-why-head{max-width:760px;margin-bottom:34px}.ed-why h2{color:#fff;font-size:clamp(1.6rem,2.8vw,2.3rem);margin:0 0 14px;padding:0;border:0}
.ed-why .prose p{color:rgba(255,255,255,.82);font-size:1.08rem}
.ed-benefits{list-style:none;display:grid;grid-template-columns:repeat(5,1fr);gap:0}
.ed-benefits li{padding:6px 22px;border-left:1px solid rgba(255,255,255,.2)}.ed-benefits li:first-child{border-left:0;padding-left:0}
.ed-benefits .n{display:block;color:var(--sky);margin-bottom:12px}
.ed-benefits h4{color:#fff}.ed-benefits .prose p{font-size:.92rem;margin:0;color:rgba(255,255,255,.75)}
.ed-bring{padding:72px 0 8px;text-align:center}
.ed-bring .prose p{max-width:760px;margin:0 auto 14px;font-size:1.08rem}
@media (max-width:1060px){.ed-cols,.ed-benefits{grid-template-columns:repeat(2,1fr);gap:26px 0}.ed-cols .col:nth-child(odd),.ed-benefits li:nth-child(odd){border-left:0;padding-left:0}}
@media (max-width:900px){.ed-two,.ed-tips{grid-template-columns:1fr;gap:28px}.ed-topics{columns:1}}
@media (max-width:560px){.ed-cols,.ed-benefits{grid-template-columns:1fr}.ed-cols .col,.ed-benefits li{border-left:0;padding-left:0}}

/* ===== FAQ: defined, coloured question cards (all FAQ blocks and the FAQ page) ===== */
.faq-block,.faq-group{background:linear-gradient(180deg,#EEF4FB,#E1ECF8);border-radius:26px;padding:40px 40px 22px;border:0;margin-top:48px}
.faq-group{margin:0 0 32px}
.faq-block>h2,.faq-group>h2{position:relative;font-size:clamp(1.4rem,2.4vw,1.8rem);color:var(--navy);margin:0 0 24px;padding:0 0 14px;border:0}
.faq-block>h2:after,.faq-group>h2:after{content:"";position:absolute;left:0;bottom:0;width:56px;height:4px;border-radius:3px;background:var(--blue)}
.faq-block details,.faq-group details{background:#fff;border:1px solid #C7DBF1;border-radius:16px;padding:2px 22px;margin:0 0 16px;box-shadow:0 4px 14px rgba(27,117,188,.07);transition:.2s}
.faq-block details:first-of-type,.faq-group details:first-of-type{border-top:1px solid #C7DBF1}
.faq-block details[open],.faq-group details[open]{border-color:var(--blue);box-shadow:0 10px 26px rgba(27,117,188,.16)}
.faq-block details summary,.faq-group details summary{padding:16px 0;font-size:1.02rem;color:var(--navy)}
.faq-block details[open] summary,.faq-group details[open] summary{color:var(--blue)}
.faq-block details summary:after,.faq-group details summary:after{background:var(--blue);color:#fff;width:32px;height:32px}
.faq-block details[open] summary:after,.faq-group details[open] summary:after{background:var(--navy)}
.faq-block details p,.faq-group details p{margin:0 0 16px;padding-top:6px;border-top:1px solid var(--blue-light);color:var(--ink)}
@media (max-width:640px){.faq-block,.faq-group{padding:26px 18px 10px}}

/* Homepage story section: full width team photo above the text */
.about .wrap{grid-template-columns:1fr;gap:44px}
.about .about-visual img{aspect-ratio:3/1;object-position:center 30%}
.about .about-visual .float{left:24px;bottom:24px}
.about .wrap>div:last-child{max-width:900px}
@media (max-width:900px){.about .about-visual img{aspect-ratio:16/9}}

/* Advice pages: smaller, zoomed out adviser photos with the details underneath */
.team-grid.compact .member .ph{aspect-ratio:5/6;width:270px;max-width:82%;margin:30px auto 0;border-radius:18px;overflow:hidden}
.team-grid.compact .member .ph img{object-fit:cover;object-position:top}
.team-grid.compact .member .body{text-align:center;align-items:center}
.team-grid.compact .member .quals{align-self:stretch;text-align:left;max-width:300px;margin-left:auto;margin-right:auto}
.team-grid.compact .member .acts{justify-content:center}
.team-grid.compact .member .mcontact{align-items:center}

/* Mortgages: Simon's details sit below his photo, not over it */
.mg-simon{overflow:visible;box-shadow:none;border-radius:0;max-width:420px}
.mg-simon img{border-radius:26px;box-shadow:0 30px 60px rgba(1,46,87,.22);aspect-ratio:4/5;object-position:top}
.mg-simon .info{position:static;background:none;padding:20px 4px 0;border-radius:0}

/* About: five community and team photos */
.ab-mosaic{grid-template-columns:1.2fr .9fr .9fr;grid-template-rows:210px 210px}
.ab-mosaic .m0{grid-row:1/3}
.ab-mosaic .m1,.ab-mosaic .m2,.ab-mosaic .m3,.ab-mosaic .m4{grid-row:auto}
.ab-mosaic img{object-position:center 30%}
@media (max-width:640px){.ab-mosaic{grid-template-columns:1fr 1fr;grid-template-rows:auto}.ab-mosaic .m0{grid-column:1/3;grid-row:auto;aspect-ratio:4/3}.ab-mosaic figure{aspect-ratio:1/1}}

.ab-mosaic .m0 img{object-position:center 50%}

/* ===== Gallery page ===== */
.gl-wrap{padding:56px 0 72px}
.gl-intro{max-width:760px;margin:0 auto 34px;text-align:center}
.gl-grid{columns:3;column-gap:16px}
.gl-grid a{display:block;margin:0 0 16px;border-radius:16px;overflow:hidden;break-inside:avoid;background:var(--blue-light);transition:.25s}
.gl-grid a:hover{transform:translateY(-3px);box-shadow:0 18px 36px rgba(1,46,87,.16)}
.gl-grid img{width:100%;height:auto;display:block}
@media (max-width:900px){.gl-grid{columns:2}}
@media (max-width:560px){.gl-grid{columns:1}}

/* Anchor jumps clear the sticky header */
html{scroll-padding-top:130px}
@media (max-width:900px){html{scroll-padding-top:90px}}

.cp-card .acts .more{font-weight:700;color:var(--blue);display:inline-flex;align-items:center;gap:6px;padding:0 6px}.cp-card .acts .more svg{width:14px;height:14px}
.cp-card h2{margin-bottom:8px}

/* ===== Aged Care page ===== */
.ac-three{padding:24px 0 64px}.ac-3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.ac-q{border-radius:24px;padding:34px 30px}
.ac-q.t0{background:#E4EEFA}.ac-q.t1{background:#CFE1F6}.ac-q.t2{background:var(--navy);color:#fff}
.ac-q .ico,.ac-box .ico,.ac-soft .ico,.ac-early .ico{display:grid;place-items:center;width:56px;height:56px;border-radius:16px;background:#fff;color:var(--blue);margin-bottom:18px;box-shadow:0 8px 20px rgba(1,46,87,.1)}
.ac-q .ico svg,.ac-box .ico svg,.ac-soft .ico svg,.ac-early .ico svg{width:28px;height:28px}
.ac-q h2{font-size:1.4rem;margin:0 0 14px;padding:0;border:0;color:var(--navy)}
.ac-q .prose p{color:var(--ink);font-size:.98rem;line-height:1.7}
.ac-q.t2 h2,.ac-q.t2 .prose p{color:#fff}.ac-q.t2 .prose p{color:rgba(255,255,255,.86)}.ac-q.t2 .ico{background:rgba(255,255,255,.12);color:var(--sky);box-shadow:none}
.ac-pair{background:linear-gradient(180deg,#F3F8FD,#E4EEFA);padding:72px 0}.ac-2{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.ac-box{background:#fff;border-radius:24px;padding:36px 34px;box-shadow:0 18px 44px rgba(27,117,188,.12)}
.ac-box .head{display:flex;align-items:center;gap:16px;margin-bottom:16px}.ac-box .head .ico{margin:0;flex:none;background:var(--blue-light);box-shadow:none}
.ac-box h2{font-size:1.4rem;margin:0;padding:0;border:0;color:var(--navy)}
.ac-box .prose p{font-size:1rem;line-height:1.7}.ac-box .prose p:last-child{margin-bottom:12px}
.ac-chips{list-style:none;display:grid;grid-template-columns:1fr 1fr;gap:10px;margin:6px 0 18px}
.ac-chips li{display:flex;gap:10px;align-items:center;background:var(--blue-light);border-radius:12px;padding:11px 14px;font-size:.92rem;line-height:1.35;color:var(--navy);font-weight:600}
.ac-chips .t{flex:none;width:22px;height:22px;border-radius:50%;background:var(--blue);color:#fff;display:grid;place-items:center}.ac-chips .t svg{width:12px;height:12px}
.ac-box .after p{font-weight:600;color:var(--navy);margin:0}
.ac-quote{background:linear-gradient(120deg,var(--navy-deep),var(--navy) 60%,#0F4478);color:#fff;padding:76px 0;text-align:center}
.ac-quote .ico.big{display:grid;place-items:center;width:64px;height:64px;border-radius:50%;background:rgba(255,255,255,.12);color:var(--sky);margin:0 auto 18px}.ac-quote .ico svg{width:30px;height:30px}
.ac-quote h2{color:#fff;font-size:clamp(1.7rem,3vw,2.4rem);margin:0 0 14px;padding:0;border:0}
.ac-quote .prose p{color:rgba(255,255,255,.82);font-size:1.08rem;max-width:720px;margin:0 auto 14px}
.ac-quote blockquote{font-size:clamp(1.5rem,3.2vw,2.5rem);font-weight:800;line-height:1.25;letter-spacing:-.01em;color:#fff;border:0;padding:0;margin:24px auto;max-width:840px}
.ac-two{padding:72px 0 24px}
.ac-soft{border-radius:24px;padding:36px 34px}.ac-soft.a{background:#DCEAF8}.ac-soft.b{background:#EAF2FB}
.ac-soft h2{font-size:1.4rem;margin:0 0 14px;padding:0;border:0;color:var(--navy)}.ac-soft .prose p{color:var(--ink);line-height:1.7}
.ac-board{background:var(--blue);color:#fff;padding:72px 0;margin-top:48px}
.ac-board-head{max-width:780px;margin-bottom:30px}.ac-board h2{color:#fff;font-size:clamp(1.7rem,3vw,2.4rem);margin:0 0 12px;padding:0;border:0}
.ac-board-head .prose p{color:rgba(255,255,255,.9);font-size:1.08rem;margin:0 0 8px}
.ac-qs{list-style:none;display:grid;grid-template-columns:1fr 1fr;gap:12px}
.ac-qs li{display:flex;gap:14px;align-items:center;background:#fff;color:var(--navy);border-radius:16px;padding:16px 20px;font-weight:700;font-size:1rem;line-height:1.35;box-shadow:0 10px 24px rgba(1,46,87,.18)}
.ac-qs .q{flex:none;width:34px;height:34px;border-radius:50%;background:var(--blue-light);color:var(--blue);display:grid;place-items:center;font-weight:800}
.ac-board-foot{margin-top:26px}.ac-board-foot p{font-size:1.25rem;font-weight:800;color:#fff;margin:0}
.ac-early{padding:80px 0}.ac-early-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:center}
.ac-early h2{font-size:clamp(1.6rem,2.8vw,2.3rem);margin:0 0 16px;padding:0;border:0}.ac-early .prose p{font-size:1.05rem;line-height:1.75}
.ac-call{background:linear-gradient(160deg,#E4EEFA,#CFE1F6);border-radius:26px;padding:38px 36px;box-shadow:0 20px 44px rgba(27,117,188,.16)}
.ac-call .prose p{font-size:1.12rem;color:var(--navy);font-weight:600;line-height:1.7}.ac-call .prose p:last-child{margin:0}
.ac-close{background:linear-gradient(120deg,var(--blue),#0F5A98);color:#fff;padding:72px 0;text-align:center}
.ac-close h2{color:#fff;font-size:clamp(1.7rem,3vw,2.4rem);margin:0 0 14px;padding:0;border:0}
.ac-close .prose p{color:rgba(255,255,255,.9);font-size:1.1rem;max-width:760px;margin:0 auto 10px}
.ac-close .big{font-size:clamp(1.3rem,2.4vw,1.8rem);font-weight:800;margin-top:20px;max-width:760px;margin-left:auto;margin-right:auto;line-height:1.3}
@media (max-width:1060px){.ac-3{grid-template-columns:1fr}.ac-2,.ac-early-grid,.ac-qs{grid-template-columns:1fr}.ac-early-grid{gap:28px}}
@media (max-width:560px){.ac-chips{grid-template-columns:1fr}.ac-box,.ac-soft,.ac-call{padding:26px 22px}}

/* Education: free fridge magnet callout */
.ed-magnet{margin-top:44px;display:grid;grid-template-columns:230px 1fr;gap:34px;align-items:center;background:#fff;border-radius:24px;padding:26px 34px 26px 26px;box-shadow:0 18px 44px rgba(27,117,188,.16)}
.ed-magnet img{width:100%;height:auto;border-radius:16px;display:block}
.ed-magnet .big{font-size:clamp(1.25rem,2.2vw,1.65rem);font-weight:800;line-height:1.3;color:var(--navy);margin:0 0 18px;letter-spacing:-.01em}
.ed-magnet .acts{display:flex;gap:12px;flex-wrap:wrap}.ed-magnet .acts .btn svg{width:18px;height:18px}
@media (max-width:760px){.ed-magnet{grid-template-columns:1fr;padding:22px;gap:20px}.ed-magnet img{max-width:240px}}

/* Ongoing advice: "What's included" section on a light blue panel with white tiles */
.feat-set{background:linear-gradient(180deg,#E8F1FB,#D6E6F8);border-radius:28px;padding:44px 34px 18px;margin:12px 0 30px}
.feat-set .feat-title{margin-top:0}
.feat-set .feat-title h2{color:var(--navy)}
.feat-set .feat-grid{margin-bottom:26px}
.feat-set .feat{background:#fff;border:1px solid #BFD6EF;box-shadow:0 12px 28px rgba(27,117,188,.12)}
.feat-set .feat h2{border-bottom-color:#BFD6EF}
@media (max-width:640px){.feat-set{padding:28px 16px 6px}}

/* ===== Medical specialists page ===== */
.md-help{padding:40px 0 72px}.md-help h2,.md-chal h2,.md-career h2{font-size:clamp(1.7rem,3vw,2.4rem);margin:0 0 26px;padding:0;border:0}
.md-tiles{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.md-tile{border-radius:22px;padding:26px 22px;display:flex;flex-direction:column;gap:16px;min-height:170px}
.md-tile .i{width:48px;height:48px;border-radius:14px;display:grid;place-items:center;background:#fff;color:var(--blue);box-shadow:0 8px 18px rgba(1,46,87,.1)}.md-tile .i svg{width:24px;height:24px}
.md-tile .t{font-size:1.04rem;font-weight:700;line-height:1.4;color:var(--navy)}
.md-tile.c0{background:#E2EDFA}.md-tile.c1{background:#CBDFF5}.md-tile.c2{background:var(--blue)}.md-tile.c3{background:var(--navy)}
.md-tile.c2 .t,.md-tile.c3 .t{color:#fff}.md-tile.c3 .i{background:rgba(255,255,255,.14);color:var(--sky)}
.md-career{background:linear-gradient(125deg,var(--navy-deep),var(--navy) 55%,var(--blue));color:#fff;padding:80px 0}
.md-career h2{color:#fff}.md-career .big p{font-size:clamp(1.4rem,2.6vw,2rem);font-weight:800;line-height:1.3;color:#fff;max-width:820px;margin:0 0 12px;letter-spacing:-.01em}
.md-career .rest p{font-size:1.1rem;color:rgba(255,255,255,.86);max-width:820px;margin:22px 0 0}
.md-chal{background:linear-gradient(180deg,#F3F8FD,#DDEAF8);padding:76px 0}
.md-chal .lead p{margin:-10px 0 24px}
.md-bubbles{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.md-bubbles .b{position:relative;border-radius:22px 22px 22px 4px;padding:34px 26px;display:flex;align-items:center;min-height:120px;font-size:1.08rem;font-weight:700;line-height:1.4;color:var(--navy);box-shadow:0 14px 30px rgba(27,117,188,.14)}
.md-bubbles .b0{background:#fff}.md-bubbles .b1{background:var(--blue);color:#fff}.md-bubbles .b2{background:#CBDFF5}
.md-bubbles .q{display:block;font-size:3rem;line-height:.6;font-weight:800;opacity:.45;margin-bottom:8px}
.md-foot{margin-top:26px}.md-foot p{font-size:1.2rem;font-weight:800;color:var(--navy);margin:0}
.md-busy{padding:72px 0 8px}.md-busy .wrap{display:grid;grid-template-columns:96px 1fr;gap:30px;align-items:center;background:var(--blue-light);border-radius:28px;padding:40px;max-width:1100px}
.md-busy .clock{width:88px;height:88px;border-radius:50%;background:var(--blue);color:#fff;display:grid;place-items:center}.md-busy .clock svg{width:42px;height:42px}
.md-busy h2{font-size:clamp(1.5rem,2.6vw,2rem);margin:0 0 10px;padding:0;border:0}.md-busy .prose p{font-size:1.06rem;color:var(--ink);margin:0 0 8px}
@media (max-width:1060px){.md-tiles{grid-template-columns:repeat(2,1fr)}.md-bubbles{grid-template-columns:1fr}}
@media (max-width:640px){.md-tiles{grid-template-columns:1fr}.md-busy .wrap{grid-template-columns:1fr;padding:28px 22px}}

/* ===== Social Security page ===== */
.ac-q.t0 .prose li,.ac-q.t1 .prose li{color:var(--ink)}.ac-q.t2 .prose li{color:#fff}.ac-q.t2 .prose ul li:before{background-color:rgba(255,255,255,.16)}
.ss-assets{background:linear-gradient(180deg,#F3F8FD,#E4EEFA);padding:76px 0;margin-top:48px}
.ss-head{max-width:820px}.ss-head h2{font-size:clamp(1.7rem,3vw,2.4rem);margin:0 0 14px;padding:0;border:0}.ss-head .prose p{font-size:1.06rem;color:var(--ink)}
.ss-head .prose p:nth-child(2){font-style:normal;background:#fff;border-radius:16px;padding:16px 20px;box-shadow:0 8px 22px rgba(27,117,188,.1)}
.ss-mt{font-size:1.5rem;color:var(--navy);margin:38px 0 22px}
.ss-split{display:grid;grid-template-columns:1fr 1fr;gap:24px;align-items:start}
.ss-col{border-radius:26px;padding:34px 32px}
.ss-col.yes{background:var(--blue);color:#fff}.ss-col.no{background:#fff;border:2px solid #BFE4D0;box-shadow:0 16px 38px rgba(31,140,92,.12)}
.ss-col .top{display:flex;align-items:center;gap:14px;margin-bottom:12px}.ss-col .ico{flex:none;width:52px;height:52px;border-radius:50%;display:grid;place-items:center}.ss-col .ico svg{width:28px;height:28px}
.ss-col.yes .ico{background:rgba(255,255,255,.18);color:#fff}.ss-col.no .ico{background:#DDF3E8;color:#1F8C5C}
.ss-col h2{font-size:1.45rem;margin:0;padding:0;border:0}.ss-col.yes h2{color:#fff}.ss-col.no h2{color:var(--navy)}
.ss-col.yes .prose p{color:rgba(255,255,255,.9)}.ss-col .grp{border-radius:16px;padding:16px 18px 6px;margin-top:14px}
.ss-col.yes .grp{background:rgba(255,255,255,.12)}.ss-col.no .grp{background:#EAF7F0}.ss-col .grp.warm{background:#FFF3DC}
.ss-col .grp h3{font-size:1rem;margin:0 0 8px}.ss-col.yes .grp h3{color:#fff}.ss-col.no .grp h3{color:#14633F}.ss-col .grp.warm h3{color:#8A5A00}
.ss-col.yes .grp li,.ss-col.yes .grp p{color:#fff}.ss-col.yes .prose ul li:before{background-color:rgba(255,255,255,.2)}
.ss-col.no .grp li,.ss-col.no .grp p{color:var(--ink)}.ss-col .grp p{font-size:.95rem}
.ss-col .prose a.src{color:inherit;background:rgba(255,255,255,.2);border-color:rgba(255,255,255,.4)}.ss-col.no .prose a.src{color:#14633F;background:#fff;border-color:#BFE4D0}
.ss-imp{font-size:1.15rem;color:var(--navy);margin:22px 0 4px}
.ss-scale{padding:76px 0 8px;text-align:center}.ss-scale h2{font-size:clamp(1.7rem,3vw,2.4rem);margin:0 0 10px}.ss-scale .lead p{font-size:1.1rem;margin:0 0 24px}
.ss-steps{display:grid;grid-template-columns:repeat(3,1fr);gap:0;max-width:980px;margin:0 auto}
.ss-steps .st{padding:30px 22px;display:flex;flex-direction:column;gap:8px;position:relative}
.ss-steps .s0{background:#D6EFE2;border-radius:22px 0 0 22px}.ss-steps .s1{background:#CBDFF5}.ss-steps .s2{background:var(--navy);border-radius:0 22px 22px 0;color:#fff}
.ss-steps .l{font-size:1rem;color:var(--ink);font-weight:600}.ss-steps .r{font-size:1.3rem;font-weight:800;color:var(--navy);line-height:1.2}.ss-steps .s2 .l,.ss-steps .s2 .r{color:#fff}.ss-steps .r strong{font-weight:800}
.ss-quote{margin-top:22px}.ss-quote p{max-width:760px;margin:0 auto;font-size:1.02rem;color:var(--ink)}
.ss-key{padding:72px 0}.ss-key-grid{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}.ss-key h2{font-size:clamp(1.7rem,3vw,2.4rem);margin:0 0 14px;padding:0;border:0}.ss-key .prose p{font-size:1.1rem;color:var(--ink)}
.ss-list,.ss-ticks{list-style:none}.ss-list li{display:flex;gap:14px;align-items:center;background:var(--blue-light);border-radius:16px;padding:16px 20px;margin-bottom:12px;font-weight:700;color:var(--navy)}
.ss-list .t,.ss-ticks .t{flex:none;width:28px;height:28px;border-radius:50%;background:var(--blue);color:#fff;display:grid;place-items:center}.ss-list .t svg,.ss-ticks .t svg{width:14px;height:14px}
.ss-close{background:linear-gradient(120deg,var(--navy-deep),var(--navy) 60%,#0F4478);color:#fff;padding:76px 0}
.ss-close h2{color:#fff;font-size:clamp(1.7rem,3vw,2.4rem);margin:0 0 12px;padding:0;border:0;max-width:820px}.ss-close .prose p{color:rgba(255,255,255,.86);font-size:1.08rem;max-width:820px}
.ss-ticks{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin:18px 0}.ss-ticks li{display:flex;gap:14px;align-items:center;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.18);border-radius:14px;padding:16px 18px;font-weight:600}
.ss-close .end p{font-size:1.2rem;font-weight:800;color:#fff;margin-top:8px}
@media (max-width:900px){.ss-split,.ss-key-grid,.ss-ticks{grid-template-columns:1fr}.ss-steps{grid-template-columns:1fr}.ss-steps .s0{border-radius:22px 22px 0 0}.ss-steps .s2{border-radius:0 0 22px 22px}}

/* Downloads (PDF cards) */
.dl-block{margin-top:48px;background:linear-gradient(180deg,#EEF4FB,#E1ECF8);border-radius:24px;padding:32px 30px 30px}
.dl-head h2{font-size:1.4rem;color:var(--navy);margin:0 0 20px;padding:0;border:0}
.dl-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:16px}
.dl-card{background:#fff;border:1px solid #C7DBF1;border-radius:18px;padding:16px 14px 18px;display:flex;flex-direction:column;align-items:center;text-align:center;gap:12px;box-shadow:0 8px 22px rgba(27,117,188,.1)}
.dl-card .pv{display:block;width:100%;border-radius:10px;overflow:hidden;border:1px solid var(--line)}
.dl-card img{width:100%;height:190px;object-fit:cover;object-position:top;display:block}
.dl-card strong{font-size:.98rem;color:var(--navy);line-height:1.3}
.dl-card .btn{padding:11px 18px;font-size:.9rem;margin-top:auto}.dl-card .btn svg{width:16px;height:16px;transform:rotate(90deg)}
@media (max-width:1060px){.dl-grid{grid-template-columns:repeat(3,1fr)}}
@media (max-width:640px){.dl-grid{grid-template-columns:repeat(2,1fr)}.dl-block{padding:22px 16px}}

.prose .dl-card .btn,.dl-card .btn-blue{color:#fff;text-decoration:none}
.prose .dl-card .btn:hover{color:#fff;background:#1663A3;text-decoration:none}

/* Who We Work With: linked pills */
.pills span a{display:block;color:inherit;text-decoration:none;margin:0;padding:11px 20px;border-radius:999px;transition:.2s}
.pills span:has(a){padding:0}.pills span:has(a):hover{background:var(--blue)}.pills span:has(a):hover a{color:#fff}
.in-who .wc a{display:flex;flex-direction:column;align-items:center;gap:16px;color:inherit;text-decoration:none}
.in-who .wc:has(a):hover{border-color:var(--blue)}

/* Contact page map */
.ct-map{margin:26px 0 8px;border-radius:20px;overflow:hidden;border:1px solid rgba(27,117,188,.22);background:#fff;box-shadow:0 14px 34px rgba(27,117,188,.12)}
.ct-map iframe{display:block;width:100%;height:260px;border:0}
.ct-map .dir{display:flex;align-items:center;justify-content:center;gap:8px;padding:13px 16px;font-weight:700;color:var(--blue);background:#fff}
.ct-map .dir svg{width:15px;height:15px}.ct-map .dir:hover{background:var(--blue-light)}

.ct-map-band{background:linear-gradient(180deg,#E1ECF8,#fff);padding:8px 0 56px}
.ct-map.wide{margin:0}.ct-map.wide iframe{height:400px}
@media (max-width:640px){.ct-map.wide iframe{height:300px}.ct-map .dir{font-size:.9rem;text-align:center}}
details p a{color:var(--blue);font-weight:700;text-decoration:underline;text-underline-offset:3px}
details p a:hover{color:var(--navy)}

/* Centre team cards and faces whatever the number of people */
.team-grid,.team-grid.few{display:flex;flex-wrap:wrap;justify-content:center;gap:24px}
.team-grid>.member{flex:0 1 calc((100% - 48px)/3);min-width:0}
.team-grid.few>.member{flex-basis:calc((100% - 24px)/2)}
.ab-faces{display:flex;flex-wrap:wrap;justify-content:center;gap:34px 22px}
.ab-faces>.face{flex:0 1 calc((100% - 44px)/3);min-width:0}
@media (max-width:1060px){.team-grid>.member{flex-basis:calc((100% - 24px)/2)}}
@media (max-width:640px){.team-grid>.member,.team-grid.few>.member{flex-basis:100%}.ab-faces>.face{flex-basis:calc((100% - 22px)/2)}}
.res-grid{display:flex;flex-wrap:wrap;justify-content:center;gap:14px}
.res-grid a{flex:0 1 190px;min-width:150px}

/* Hero: portrait to the right of the words */
.hero .bg{background:linear-gradient(120deg,#012E57 0%,#0B4A82 62%,#1B75BC 130%)}
.hero .bg:after{display:none}
.hero .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:end;padding-top:72px;padding-bottom:0;min-height:640px}
.hero .copy{padding-bottom:64px}
.hero-portrait{justify-self:end;width:100%;max-width:440px;align-self:end}
.hero-portrait img{display:block;width:100%;height:600px;object-fit:cover;object-position:50% 12%;border-radius:28px 28px 0 0;box-shadow:0 30px 70px rgba(0,16,38,.45)}
@media (max-width:1060px){.hero .wrap{grid-template-columns:1fr;gap:36px;padding-top:56px}.hero .copy{padding-bottom:0}.hero-portrait{justify-self:center;max-width:380px}.hero-portrait img{height:460px}}
/* Hero: tighter spacing and the ring motif used on the inner page heroes */
.hero .wrap{padding-top:44px;min-height:0}
.hero .copy{padding-bottom:48px}
.hero-portrait img{height:540px}
.hero .bg:before{content:"";position:absolute;right:-90px;top:-150px;width:620px;height:620px;border-radius:50%;border:64px solid rgba(255,255,255,.06)}
.hero .bg:after{display:block;content:"";position:absolute;right:140px;bottom:-210px;width:420px;height:420px;border-radius:50%;border:2px solid rgba(143,196,255,.28);background:none}
.hero-portrait{position:relative}
.hero-portrait:before{content:"";position:absolute;z-index:-1;right:-70px;top:26px;width:420px;height:420px;border-radius:50%;background:radial-gradient(circle at 35% 30%,rgba(143,196,255,.38),rgba(27,117,188,.12) 70%)}
.hero .wrap{isolation:isolate}
@media (max-width:1060px){.hero .wrap{padding-top:44px}.hero-portrait img{height:440px}.hero .bg:before{width:420px;height:420px;border-width:44px;right:-120px;top:-120px}.hero .bg:after{display:none}.hero-portrait:before{right:-30px;width:300px;height:300px}}
.hero .bg:after{inset:auto;left:auto;top:auto;right:300px;bottom:-230px}
/* Hero refinements: no bottom ring, faded corner ring, taller portrait, less padding, copy centred against the photo */
.hero .bg:after{display:none}
.hero .bg:before{border-color:rgba(255,255,255,.028)}
.hero .wrap{padding-top:20px}
.hero .copy{align-self:center;padding:28px 0 28px}
.hero-portrait img{height:640px}
.hero-proof{margin-top:34px;padding-top:22px}
@media (max-width:1060px){.hero .wrap{padding-top:44px}.hero .copy{align-self:auto;padding:0}.hero-portrait img{height:460px}}
.hero{padding:0}
.hero .wrap{padding-top:36px}
@media (max-width:1060px){.hero .wrap{padding-top:44px;padding-bottom:44px}.hero-portrait{margin-bottom:-44px}}
@media (min-width:1061px){.hero .wrap{padding-top:16px}.hero-portrait img{height:600px}.hero .copy{padding:0}}
@media (min-width:1061px){.hero .wrap{padding-top:12px}.hero-portrait img{height:570px}.hero h1{margin-bottom:16px}.hero-actions{margin-top:28px}.hero-proof{margin-top:26px;padding-top:18px}}
@media (min-width:1061px){.hero-portrait img{height:628px}}
@media (min-width:1061px){.hero-portrait img{height:660px}}
@media (min-width:1061px){.hero .wrap{padding-top:26px;padding-bottom:26px}.hero-portrait img{height:620px;border-radius:28px}}

/* Blog and Wealth Wednesday */
:root{--pink:#C21F73;--pink-deep:#8E1456;--pink-soft:#FDE8F4;--pink-mid:#F6C6E0}
.blog-ww{background:var(--pink-soft);padding:64px 0}
.blog-ww-head{display:flex;align-items:center;gap:18px;flex-wrap:wrap;margin-bottom:30px}
.blog-ww-head h2{margin:0;color:var(--navy);font-size:1.8rem}
.ww-pill{display:inline-block;background:var(--pink);color:#fff;font-weight:800;font-size:.74rem;letter-spacing:.12em;text-transform:uppercase;padding:7px 14px;border-radius:999px}
.ww-list{grid-template-columns:repeat(3,1fr)}
.post-card.ww{border-color:var(--pink-mid);box-shadow:0 14px 34px rgba(194,31,115,.1)}
.post-card.ww .more,.post-card.ww .more svg{color:var(--pink)}
.post-card .more{display:inline-flex;align-items:center;gap:6px}.post-card .more svg{width:14px;height:14px}
.post-card h3 a{color:var(--navy)}
.ww-cover{display:flex;flex-direction:column;justify-content:space-between;aspect-ratio:16/10;padding:22px;color:#fff;font-weight:800;font-size:1.5rem;line-height:1.1;background:radial-gradient(circle at 88% 18%,rgba(255,255,255,.28) 0 38px,transparent 39px),radial-gradient(circle at 70% 90%,rgba(255,255,255,.16) 0 64px,transparent 65px),linear-gradient(135deg,var(--pink-deep),var(--pink))}
.ww-cover b{font-size:.82rem;letter-spacing:.14em;text-transform:uppercase;font-weight:700;opacity:.9}
.blog-more-h{color:var(--navy);font-size:1.6rem;margin-bottom:24px}
.ww-post .page-hero{background:linear-gradient(120deg,#5E0E3A,var(--pink-deep) 55%,var(--pink))}
.ww-post .page-hero .eyebrow{color:var(--pink-mid)}.ww-post .page-hero .eyebrow:before{background:var(--pink-mid)}
.ww-post .entry-meta{color:var(--pink)}
.post-body{max-width:760px}
.post-body .standfirst{font-size:1.2rem;line-height:1.65;font-weight:700;color:var(--navy);margin-bottom:26px}
.post-body h2{font-size:1.45rem;margin:38px 0 14px;color:var(--navy)}
.ww-post .post-body h2{color:var(--pink-deep)}
.post-body .src-note{background:var(--pink-soft);border:1px solid var(--pink-mid);border-radius:16px;padding:22px 24px;margin:30px 0}
.post-body:not(.x) .src-note p{margin:0 0 8px}.post-body .src-note p:last-child{margin:0;font-size:.9rem}
.post-body .src-note a{color:var(--pink);font-weight:700;text-decoration:underline;text-underline-offset:3px}
.post-body .takeaway{font-weight:800;font-size:1.15rem;line-height:1.55;color:var(--navy);background:var(--pink-soft);border-radius:16px;padding:24px 26px;margin:36px 0 22px}
.post-body .signoff{font-weight:700;color:var(--pink-deep);margin-top:6px}
.back-blog{margin-top:36px}.back-blog a{font-weight:700;color:var(--blue)}
@media (max-width:1060px){.ww-list{grid-template-columns:repeat(2,1fr)}}
@media (max-width:640px){.ww-list{grid-template-columns:1fr}.blog-ww{padding:44px 0}}
.ww-list,.post-list{display:flex;flex-wrap:wrap;justify-content:center;gap:24px}
.ww-list>.post-card,.post-list>.post-card{flex:0 1 calc((100% - 48px)/3);min-width:0}
@media (max-width:1060px){.ww-list>.post-card,.post-list>.post-card{flex-basis:calc((100% - 24px)/2)}}
@media (max-width:640px){.ww-list>.post-card,.post-list>.post-card{flex-basis:100%}}
.blog-all{background:var(--soft)}
.blog-all .post-list{justify-content:flex-start}

/* Hero: award badges beside the portrait */
.hero .wrap{grid-template-columns:1fr 1fr}
.hero-visual{justify-self:end;align-self:end;display:flex;align-items:center;gap:26px}
.hero-visual .hero-portrait{flex:none;width:400px;max-width:none;justify-self:auto}
.hero-badges{display:flex;flex-direction:column;gap:22px}
.hero-badges img{display:block;width:112px;height:112px;filter:drop-shadow(0 12px 22px rgba(0,16,38,.4))}
@media (max-width:1060px){.hero .wrap{grid-template-columns:1fr}.hero-visual{justify-self:center;flex-direction:column;gap:22px}.hero-visual .hero-portrait{width:100%;max-width:380px}.hero-badges{flex-direction:row;gap:18px}.hero-portrait{margin-bottom:0!important}.hero .wrap{padding-bottom:44px!important}}
@media (min-width:1061px){.hero .wrap{grid-template-columns:1.1fr .9fr}.hero-visual .hero-portrait{width:440px}}
/* Real award badge (Australian Wealth Management Awards 2026 finalist) */
.hero-portrait img.hero-award{position:absolute;display:block;width:120px;height:auto;border-radius:0;box-shadow:none;object-fit:contain;filter:drop-shadow(0 12px 22px rgba(0,16,38,.45));left:calc(100% + 12px);top:50%;transform:translateY(-50%)}
@media (min-width:1061px) and (max-width:1439px){.hero-portrait img.hero-award{left:auto;right:-16px;top:auto;bottom:44px;transform:none;width:108px}}
@media (max-width:1060px){.hero-portrait img.hero-award{width:96px;right:-10px;left:auto;top:auto;bottom:28px;transform:none}}
@media (min-width:1440px){.hero-portrait img.hero-award{left:calc(100% + 6px);width:122px}}
/* Larger award badge so its wording can be read */
.hero-portrait img.hero-award{width:200px;left:calc(100% - 72px)}
@media (min-width:1061px) and (max-width:1439px){.hero-portrait img.hero-award{left:auto;right:-26px;bottom:40px;top:auto;width:170px}}
@media (max-width:1060px){.hero-portrait img.hero-award{width:130px;right:-10px;bottom:24px}}
/* Award badge on the upper right corner of the photo */
.hero-portrait img.hero-award{top:-10px;bottom:auto;left:calc(100% - 100px);right:auto;transform:none;width:200px}
@media (min-width:1061px) and (max-width:1439px){.hero-portrait img.hero-award{top:-10px;bottom:auto;left:auto;right:-24px;width:170px}}
@media (max-width:1060px){.hero-portrait img.hero-award{top:-12px;bottom:auto;left:auto;right:-10px;width:120px}}
.hero-portrait img.hero-award{top:-16px;left:calc(100% - 76px)}
@media (min-width:1061px) and (max-width:1439px){.hero-portrait img.hero-award{top:-16px;left:auto;right:-40px}}
@media (max-width:1060px){.hero-portrait img.hero-award{top:-16px;right:-22px}}
.hero-portrait img.hero-award{top:-12px;left:calc(100% - 90px)}
@media (min-width:1061px) and (max-width:1439px){.hero-portrait img.hero-award{top:-12px;left:auto;right:-32px}}
@media (max-width:1060px){.hero-portrait img.hero-award{top:-12px;right:-16px}}
/* Version B: badge completely outside the photo, photo shifted left (same width) */
@media (min-width:1440px){.hero-visual{margin-right:64px}.hero-portrait img.hero-award{left:calc(100% + 14px);top:0;width:176px}}
/* Version C: photo back in its original place, badge fully to the right of it */
@media (min-width:1440px){.hero-visual{margin-right:0}.hero-portrait img.hero-award{left:calc(100% + 8px);top:0;width:124px}}
@media (min-width:1440px){.hero-portrait img.hero-award{left:calc(100% - 30px);top:0;width:166px}}
/* Badge fully clear of the photo, as large as the free space on the right allows */
@media (min-width:1440px){.hero-portrait img.hero-award{left:calc(100% + 10px);top:0;width:clamp(110px,calc((100vw - 1152px)/2 - 26px),190px)}}
/* Homepage award badges (editable list, stacked) */
.hero-awards{position:absolute;display:flex;flex-direction:column;gap:14px;top:-12px;left:calc(100% - 90px);width:200px;z-index:3}
.hero-portrait .hero-awards img{position:static;display:block;width:100%;height:auto;border-radius:0;box-shadow:none;object-fit:contain;filter:drop-shadow(0 12px 22px rgba(0,16,38,.45))}
@media (min-width:1440px){.hero-awards{left:calc(100% + 10px);top:0;width:clamp(110px,calc((100vw - 1152px)/2 - 26px),190px)}}
@media (min-width:1061px) and (max-width:1439px){.hero-awards{left:auto;right:-32px;top:-12px;width:130px}}
@media (max-width:1060px){.hero-awards{left:auto;right:-16px;top:-12px;width:110px}}
/* UW Forms inside the site's form card */
.form .uwf-form{margin:0}
.form .uwf-form-grid{gap:16px 16px!important}
.form .uwf-field label{display:block;font-size:.82rem;font-weight:700;color:var(--navy);margin:0 0 6px;letter-spacing:.01em}
.form .uwf-required{color:#C0392B}
.form .uwf-field input[type=text],.form .uwf-field input[type=email],.form .uwf-field input[type=tel],.form .uwf-field input[type=number],.form .uwf-field select,.form .uwf-field textarea{width:100%;box-sizing:border-box;font-family:inherit;font-size:.95rem;color:var(--navy);background:#F5F9FD;border:1px solid #D2E0F0;border-radius:12px;padding:12px 14px;min-height:48px;box-shadow:none}
.form .uwf-field textarea{min-height:110px;resize:vertical}
.form .uwf-field input:focus,.form .uwf-field select:focus,.form .uwf-field textarea:focus{outline:0;border-color:var(--blue);background:#fff;box-shadow:0 0 0 3px rgba(27,117,188,.18)}
.form .uwf-submit{display:block;width:100%;height:50px;margin-top:8px;border-radius:12px!important;font-family:inherit;font-weight:800;font-size:1rem;cursor:pointer;box-shadow:0 10px 22px rgba(27,117,188,.3);transition:.2s}
.form .uwf-submit:hover{background:var(--navy)!important}
.form .uwf-message,.form .uwf-success,.form .uwf-error{border-radius:12px;padding:14px 16px;font-weight:600}