:root{--teal-deep:#1a5c6b;--teal-mid:#2a7a8c;--teal-light:#3d9aae;--teal-pale:#e8f4f7;--teal-xpale:#f2f9fb;--river:#4fb3c8;--navy:#0d3d4a;--gold:#c8a84b;--text:#1a2a2e;--text-mid:#3a5a62;--text-muted:#6a8a92;--border:#cce0e5;--white:#fff;--bg:#f7fbfc;--serif:Georgia,"Times New Roman",serif;--sans:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,sans-serif;--r:10px;--sh:0 2px 16px rgba(26,92,107,.10)}
*{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth}
body{font-family:var(--sans);color:var(--text);background:var(--white);font-size:16px;line-height:1.7}
img{max-width:100%}a{color:var(--teal-mid);text-decoration:none}a:hover{text-decoration:underline}
/* NAV */
nav{background:var(--navy);padding:0 2rem;display:flex;align-items:center;justify-content:space-between;position:sticky;top:0;z-index:100;box-shadow:0 2px 12px rgba(0,0,0,.18)}
.nav-logo{display:flex;align-items:center;gap:12px;cursor:pointer;padding:10px 0;text-decoration:none}
.nav-logo img{width:46px;height:46px;border-radius:6px;object-fit:contain;background:white;flex-shrink:0}
.nav-logo-text .brand{color:#fff;font-size:1.1rem;font-weight:600;letter-spacing:.01em;font-family:var(--serif);display:block}
.nav-logo-text .tagline{color:var(--river);font-size:.7rem;letter-spacing:.06em;text-transform:uppercase;display:block}
.nav-links{display:flex;gap:0;align-items:center}
.nav-links a{background:none;border:none;cursor:pointer;color:rgba(255,255,255,.80);font-size:.85rem;letter-spacing:.02em;padding:0 .85rem;height:64px;line-height:64px;border-bottom:3px solid transparent;transition:color .2s,border-color .2s;font-family:var(--sans);text-transform:uppercase;font-weight:500;text-decoration:none;display:inline-block}
.nav-links a:hover,.nav-links a.active{color:#fff;border-bottom-color:var(--river);text-decoration:none}
.nav-cta{background:var(--teal-mid)!important;color:white!important;border-radius:var(--r);margin-left:.8rem;border-bottom:3px solid transparent!important;padding:0 1.1rem!important;height:36px!important;line-height:36px!important;align-self:center}
.nav-cta:hover{background:var(--teal-light)!important}
.hamburger{display:none;background:none;border:none;cursor:pointer;color:white;font-size:1.6rem;padding:8px}
/* REBRAND BAR */
.rebrand-bar{background:var(--gold);color:var(--navy);text-align:center;padding:.6rem 2rem;font-size:.86rem;font-weight:500}
/* HERO */
.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--teal-deep) 60%,var(--teal-mid) 100%);color:white;padding:4.5rem 2rem 3.5rem;text-align:center;position:relative;overflow:hidden}
.hero::before{content:"";position:absolute;inset:0;background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='800' height='300' viewBox='0 0 800 300'%3E%3Cpath d='M0 200 Q100 150 200 180 Q300 210 400 160 Q500 110 600 150 Q700 190 800 140 L800 300 L0 300Z' fill='rgba(79,179,200,0.12)'/%3E%3Cpath d='M0 240 Q150 200 300 220 Q450 240 600 200 Q700 175 800 195 L800 300 L0 300Z' fill='rgba(79,179,200,0.08)'/%3E%3C/svg%3E") no-repeat bottom/cover}
.hero-content{position:relative;max-width:760px;margin:0 auto}
.hero-logo{margin:0 auto 1.5rem}
.hero-logo img{width:100px;height:100px;border-radius:10px;object-fit:contain;background:rgba(255,255,255,.95)}
.hero h1{font-family:var(--serif);font-size:clamp(1.9rem,4vw,2.9rem);font-weight:400;line-height:1.2;margin-bottom:.9rem}
.hero h1 em{font-style:normal;color:var(--river)}
.hero p{font-size:1.1rem;opacity:.88;margin-bottom:.4rem;max-width:600px;margin-left:auto;margin-right:auto}
.hero-sub{font-size:.88rem!important;opacity:.65!important}
.hero-buttons{display:flex;gap:1rem;justify-content:center;flex-wrap:wrap;margin-top:1.8rem}
.btn{display:inline-block;padding:.75rem 1.7rem;border-radius:var(--r);font-weight:600;font-size:.93rem;cursor:pointer;border:none;transition:all .2s;font-family:var(--sans)}
.btn-primary{background:var(--river);color:var(--navy)}.btn-primary:hover{background:#6bc4d6;text-decoration:none;color:var(--navy)}
.btn-outline{background:transparent;color:white;border:2px solid rgba(255,255,255,.5)}.btn-outline:hover{border-color:white;text-decoration:none;color:white}
.btn-teal{background:var(--teal-mid);color:white}.btn-teal:hover{background:var(--teal-light);text-decoration:none;color:white}
.btn-sm{padding:.5rem 1.1rem;font-size:.83rem}
/* SECTIONS */
section{padding:3.5rem 2rem}.section-inner{max-width:1080px;margin:0 auto}
.section-label{font-size:.76rem;letter-spacing:.12em;text-transform:uppercase;color:var(--teal-mid);font-weight:600;margin-bottom:.4rem}
h2.section-title{font-family:var(--serif);font-size:clamp(1.5rem,3vw,2.1rem);font-weight:400;color:var(--navy);margin-bottom:.9rem}
.section-intro{font-size:1.02rem;color:var(--text-mid);max-width:620px;margin-bottom:2rem}
/* CARDS */
.card-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:1.4rem}
.card{background:var(--white);border:1px solid var(--border);border-radius:14px;padding:1.6rem;box-shadow:var(--sh);transition:transform .18s,box-shadow .18s}
.card:hover{transform:translateY(-3px);box-shadow:0 6px 28px rgba(26,92,107,.14)}
a.card{display:block;color:inherit;text-decoration:none}
a.card:hover{text-decoration:none}
.card-icon{width:46px;height:46px;background:var(--teal-pale);border-radius:11px;display:flex;align-items:center;justify-content:center;margin-bottom:.9rem}
.card-icon svg{width:24px;height:24px;stroke:var(--teal-mid);fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.card h3{font-family:var(--serif);font-size:1.1rem;color:var(--navy);margin-bottom:.45rem;font-weight:400}
.card p{font-size:.91rem;color:var(--text-mid);line-height:1.6}
.card-link{display:inline-block;margin-top:.8rem;font-size:.86rem;font-weight:600;color:var(--teal-mid);cursor:pointer}
/* ABOUT STRIP */
.about-strip{background:var(--teal-xpale)}
.about-inner{max-width:1080px;margin:0 auto;display:grid;grid-template-columns:1fr 1fr;gap:3rem;align-items:center}
.about-text h2{font-family:var(--serif);font-size:clamp(1.4rem,3vw,1.9rem);color:var(--navy);margin-bottom:.9rem;font-weight:400}
.about-text p{color:var(--text-mid);margin-bottom:.8rem;font-size:.95rem}
.advisor-card{background:var(--white);border-radius:14px;padding:1.8rem;box-shadow:var(--sh);border:1px solid var(--border);text-align:center}
.advisor-avatar{width:76px;height:76px;background:var(--teal-deep);border-radius:50%;margin:0 auto 1rem;display:flex;align-items:center;justify-content:center;color:white;font-family:var(--serif);font-size:1.5rem}
.advisor-card h3{font-family:var(--serif);color:var(--navy);font-size:1.15rem;font-weight:400}
.advisor-card .role{color:var(--teal-mid);font-size:.85rem;font-weight:600;margin-bottom:.5rem}
.advisor-card p{font-size:.88rem;color:var(--text-mid)}
.trust-badges{display:flex;gap:.7rem;flex-wrap:wrap;margin-top:1.3rem}
.trust-badge{background:var(--teal-pale);color:var(--teal-deep);border-radius:20px;padding:.3rem .8rem;font-size:.78rem;font-weight:600}
/* CTA STRIP */
.cta-strip{background:linear-gradient(135deg,var(--teal-deep),var(--navy));color:white;text-align:center}
.cta-strip h2{font-family:var(--serif);font-size:clamp(1.5rem,3vw,2.1rem);font-weight:400;margin-bottom:.9rem}
.cta-strip p{opacity:.82;margin-bottom:1.4rem;font-size:1.02rem}
/* FOOTER */
footer{background:var(--navy);color:rgba(255,255,255,.65);padding:3rem 2rem 1.5rem}
.footer-inner{max-width:1080px;margin:0 auto;display:grid;grid-template-columns:2fr 1fr 1fr;gap:2rem;margin-bottom:2rem}
.footer h4{color:white;font-size:.85rem;font-weight:600;margin-bottom:.7rem;text-transform:uppercase;letter-spacing:.06em}
.footer p,.footer a{font-size:.85rem;line-height:1.9;color:rgba(255,255,255,.6)}
.footer a:hover{color:var(--river);text-decoration:none}
.footer-bottom{border-top:1px solid rgba(255,255,255,.12);padding-top:1.1rem;font-size:.8rem;display:flex;justify-content:space-between;flex-wrap:wrap;gap:.5rem;max-width:1080px;margin:0 auto}
.footer-logo-area{display:flex;align-items:center;gap:10px;margin-bottom:.8rem}
.footer-logo-area img{width:34px;height:34px;border-radius:5px;object-fit:contain;background:rgba(255,255,255,.9)}
.footer-logo-area span{color:white;font-family:var(--serif);font-size:1.05rem}
.footer-links{display:flex;gap:1.2rem;flex-wrap:wrap;align-items:center}
.footer-links a{font-size:.82rem;color:rgba(255,255,255,.65)}
.footer-links a:hover{color:var(--river)}
/* TOOL PAGES */
.tool-hero{background:linear-gradient(135deg,var(--navy),var(--teal-deep));padding:2.8rem 2rem 2.3rem;text-align:center;color:white}
.tool-hero h1{font-family:var(--serif);font-size:clamp(1.5rem,3vw,2.1rem);font-weight:400;margin-bottom:.5rem}
.tool-hero p{opacity:.82;font-size:.97rem;max-width:560px;margin:0 auto}
.tool-body{padding:2rem 2rem;background:var(--bg);min-height:60vh}
/* QUIZ */
.quiz-wrap{max-width:660px;margin:0 auto}
.quiz-progress{height:5px;background:var(--border);border-radius:3px;margin-bottom:1.8rem;overflow:hidden}
.quiz-progress-bar{height:100%;background:var(--teal-mid);border-radius:3px;transition:width .4s}
.quiz-step{display:none}.quiz-step.active{display:block}
.quiz-step h3{font-family:var(--serif);font-size:1.25rem;color:var(--navy);margin-bottom:.35rem;font-weight:400}
.q-note{font-size:.85rem;color:var(--text-muted);margin-bottom:1.1rem}
.quiz-options{display:grid;gap:.65rem}
.quiz-option{background:white;border:2px solid var(--border);border-radius:var(--r);padding:.9rem 1.1rem;cursor:pointer;text-align:left;transition:border-color .18s,background .18s;display:flex;align-items:flex-start;gap:.75rem}
.quiz-option:hover{border-color:var(--teal-light);background:var(--teal-xpale)}
.quiz-option.selected{border-color:var(--teal-mid);background:var(--teal-pale)}
.opt-label{font-weight:600;color:var(--navy);font-size:.91rem}
.opt-desc{font-size:.83rem;color:var(--text-mid);margin-top:2px}
.quiz-nav{display:flex;justify-content:space-between;margin-top:1.4rem}
.quiz-result{background:white;border-radius:14px;padding:1.8rem;border:1px solid var(--border);box-shadow:var(--sh);display:none}
.quiz-result.show{display:block}
.result-fund{display:inline-block;padding:.38rem .95rem;border-radius:20px;font-weight:700;font-size:.97rem;margin-bottom:.9rem}
.fund-defensive{background:#e8f4e8;color:#2a6a2a}
.fund-conservative{background:#e8f0f8;color:#2a4a8a}
.fund-balanced{background:#f0eaff;color:#5a2a9a}
.fund-growth{background:#fff4e0;color:#8a5a00}
.fund-aggressive{background:#ffeaea;color:#8a2a2a}
.result-title{font-family:var(--serif);font-size:1.35rem;color:var(--navy);margin-bottom:.45rem}
.result-desc{color:var(--text-mid);font-size:.93rem;margin-bottom:1.1rem}
/* CALCULATOR */
.calc-wrap{max-width:820px;margin:0 auto}
.calc-card{background:white;border-radius:14px;padding:1.8rem;border:1px solid var(--border);box-shadow:var(--sh);margin-bottom:1.4rem}
.calc-card h3{font-family:var(--serif);font-size:1.05rem;color:var(--navy);margin-bottom:1.1rem;font-weight:400;border-bottom:1px solid var(--border);padding-bottom:.7rem}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:.9rem;margin-bottom:.8rem}
.field{display:flex;flex-direction:column;gap:.28rem}
.field label{font-size:.8rem;font-weight:600;color:var(--text-mid);text-transform:uppercase;letter-spacing:.05em}
.field input,.field select{padding:.58rem .75rem;border:1.5px solid var(--border);border-radius:var(--r);font-size:.93rem;font-family:var(--sans);color:var(--text);background:var(--bg);transition:border-color .18s}
.field input:focus,.field select:focus{outline:none;border-color:var(--teal-mid);background:white}
.field-hint{font-size:.76rem;color:var(--text-muted)}
.result-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(140px,1fr));gap:.9rem;margin-top:.9rem}
.result-box{background:var(--teal-xpale);border:1px solid var(--teal-pale);border-radius:var(--r);padding:.9rem;text-align:center}
.rb-label{font-size:.75rem;color:var(--teal-deep);font-weight:600;text-transform:uppercase;letter-spacing:.05em;margin-bottom:.25rem}
.rb-value{font-size:1.4rem;font-weight:700;color:var(--navy);font-variant-numeric:tabular-nums}
.rb-sub{font-size:.75rem;color:var(--text-muted);margin-top:.15rem}
/* SLIDER CONTRIB */
.contrib-section{background:white;border-radius:14px;padding:1.8rem;border:1px solid var(--border);box-shadow:var(--sh);margin-bottom:1.4rem}
.contrib-section h3{font-family:var(--serif);font-size:1.05rem;color:var(--navy);margin-bottom:1.1rem;font-weight:400;border-bottom:1px solid var(--border);padding-bottom:.7rem}
.contrib-tabs{display:flex;gap:.5rem;margin-bottom:1.2rem;flex-wrap:wrap}
.contrib-tab{padding:.45rem 1rem;border-radius:20px;border:1.5px solid var(--border);background:var(--bg);font-size:.84rem;cursor:pointer;font-weight:500;color:var(--text-mid);transition:all .18s;font-family:var(--sans)}
.contrib-tab.active{background:var(--teal-mid);color:white;border-color:var(--teal-mid)}
.contrib-mode{display:none}.contrib-mode.active{display:block}
.slider-row{display:flex;align-items:center;gap:1rem;margin-bottom:.6rem}
.slider-row label{font-size:.82rem;font-weight:600;color:var(--text-mid);min-width:160px}
.slider-row input[type=range]{flex:1;accent-color:var(--teal-mid)}
.slider-val{font-size:.95rem;font-weight:700;color:var(--navy);min-width:60px;text-align:right}
.custom-freq{display:flex;gap:.7rem;align-items:center;margin-bottom:.8rem;flex-wrap:wrap}
.custom-freq label{font-size:.82rem;font-weight:600;color:var(--text-mid)}
.custom-freq input{padding:.55rem .7rem;border:1.5px solid var(--border);border-radius:var(--r);font-size:.93rem;width:120px;font-family:var(--sans)}
.custom-freq select{padding:.55rem .7rem;border:1.5px solid var(--border);border-radius:var(--r);font-size:.9rem;font-family:var(--sans);color:var(--text)}
/* INFO PAGES */
.info-hero{background:linear-gradient(135deg,var(--navy),var(--teal-deep));padding:3rem 2rem 2.7rem;text-align:center;color:white}
.info-hero h1{font-family:var(--serif);font-size:clamp(1.7rem,4vw,2.5rem);font-weight:400;margin-bottom:.6rem}
.info-hero p{opacity:.82;font-size:1.02rem;max-width:600px;margin:0 auto}
.info-body{padding:2.5rem 2rem;max-width:900px;margin:0 auto}
.info-section{margin-bottom:2.2rem}
.info-section h2{font-family:var(--serif);font-size:1.45rem;color:var(--navy);margin-bottom:.7rem;font-weight:400}
.info-section p{color:var(--text-mid);margin-bottom:.7rem;font-size:.95rem}
.info-steps{counter-reset:steps}
.info-step{display:flex;gap:1.1rem;margin-bottom:1.3rem}
.info-step-num{width:34px;height:34px;background:var(--teal-mid);color:white;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:.88rem;flex-shrink:0;margin-top:2px}
.info-step-content h4{font-weight:600;color:var(--navy);margin-bottom:.2rem}
.info-step-content p{font-size:.91rem;color:var(--text-mid)}
.highlight-box{background:var(--teal-pale);border-left:4px solid var(--teal-mid);border-radius:0 var(--r) var(--r) 0;padding:1.1rem 1.4rem;margin:1.3rem 0}
.highlight-box p{color:var(--teal-deep);font-size:.93rem;margin:0;font-weight:500}
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:1.3rem;margin:1.3rem 0}
.info-card{background:white;border:1px solid var(--border);border-radius:12px;padding:1.4rem;box-shadow:0 1px 8px rgba(26,92,107,.07)}
.info-card h4{font-family:var(--serif);color:var(--navy);margin-bottom:.55rem;font-size:1.02rem;font-weight:400}
.info-card ul{padding-left:1.1rem;color:var(--text-mid);font-size:.91rem}
.info-card ul li{margin-bottom:.3rem}
.inline-link{font-size:inherit;font-weight:inherit;color:var(--teal-mid);text-decoration:underline}
/* CONTACT */
.contact-wrap{max-width:820px;margin:0 auto;display:grid;grid-template-columns:1fr 1fr;gap:2rem}
.contact-form-card{background:white;border-radius:14px;padding:1.8rem;box-shadow:var(--sh);border:1px solid var(--border)}
.contact-form-card h2{font-family:var(--serif);font-size:1.35rem;color:var(--navy);margin-bottom:1.2rem;font-weight:400}
.form-field{margin-bottom:1rem}
.form-field label{display:block;font-size:.8rem;font-weight:600;color:var(--text-mid);text-transform:uppercase;letter-spacing:.05em;margin-bottom:.3rem}
.form-field input,.form-field select,.form-field textarea{width:100%;padding:.62rem .85rem;border:1.5px solid var(--border);border-radius:var(--r);font-size:.93rem;font-family:var(--sans);color:var(--text);background:var(--bg);transition:border-color .18s}
.form-field input:focus,.form-field select:focus,.form-field textarea:focus{outline:none;border-color:var(--teal-mid);background:white}
.form-field textarea{min-height:100px;resize:vertical}
.contact-info{padding:.5rem 0}
.contact-info h3{font-family:var(--serif);color:var(--navy);font-size:1.15rem;font-weight:400;margin-bottom:.9rem}
.contact-detail{display:flex;align-items:flex-start;gap:.75rem;margin-bottom:.9rem}
.cd-icon{width:34px;height:34px;background:var(--teal-pale);border-radius:8px;display:flex;align-items:center;justify-content:center;flex-shrink:0}
.cd-icon svg{width:16px;height:16px;stroke:var(--teal-mid);fill:none;stroke-width:2}
.contact-detail p{font-size:.88rem;color:var(--text-mid);line-height:1.5}
.contact-detail strong{color:var(--navy);display:block;font-size:.83rem}
.fsa-note{background:var(--teal-xpale);border-radius:12px;padding:1.1rem;margin-top:1.3rem;font-size:.83rem;color:var(--text-mid);border:1px solid var(--border)}
.success-msg{display:none;background:#e8f4e8;border:1px solid #a0cca0;border-radius:var(--r);padding:.9rem;color:#2a6a2a;font-size:.92rem;margin-top:.9rem}
.success-msg.show{display:block}
/* MOBILE */
@media(max-width:700px){
  nav{padding:0 1rem}
  .nav-links{display:none;position:fixed;top:64px;left:0;right:0;background:var(--navy);flex-direction:column;padding:1rem;gap:0;z-index:99}
  .nav-links.open{display:flex}
  .nav-links a{height:46px;line-height:46px;border-bottom:none;border-top:1px solid rgba(255,255,255,.08);width:100%;text-align:left;padding:0 .5rem}
  .nav-cta{margin:.5rem 0 0;border-radius:var(--r)!important;height:40px!important;line-height:40px!important}
  .hamburger{display:block}
  .about-inner,.footer-inner,.contact-wrap,.two-col,.field-row{grid-template-columns:1fr}
  section{padding:2rem 1rem}.tool-body,.info-body{padding:1.5rem 1rem}
  .slider-row{flex-wrap:wrap}.slider-row label{min-width:auto;width:100%}
}

.provider-card{display:flex;align-items:center;justify-content:center;background:white;border-radius:14px;padding:1.6rem 1.2rem;border:1px solid var(--border);box-shadow:var(--sh);transition:transform .18s,box-shadow .18s;text-decoration:none;min-height:90px;}
.provider-card:hover{transform:translateY(-3px);box-shadow:0 6px 28px rgba(26,92,107,.14);}

.people-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:1.6rem;}
.person-card{background:white;border:1px solid var(--border);border-radius:14px;overflow:hidden;box-shadow:0 1px 8px rgba(26,92,107,.07);display:flex;flex-direction:column;}
.person-photo{width:100%;aspect-ratio:700/908;object-fit:cover;display:block;background:var(--teal-pale);}
.person-body{padding:1.4rem;}
.person-body h4{font-family:var(--serif);color:var(--navy);margin-bottom:.55rem;font-size:1.02rem;font-weight:400;}