/* Scott Ward, CFP® — site styles. Brand: navy #1B213A, ivory #F5F0E8, stone #E4DCCB, brass #B8945E, tie red #C8333B, Columbia blue #8AC6E0 */
@font-face{font-family:"DM Serif Display";src:url(../fonts/dm-serif-display-latin.woff2) format("woff2");font-weight:400;font-style:normal;font-display:swap}
@font-face{font-family:"DM Serif Display";src:url(../fonts/dm-serif-display-italic-latin.woff2) format("woff2");font-weight:400;font-style:italic;font-display:swap}
@font-face{font-family:"Inter";src:url(../fonts/inter-latin.woff2) format("woff2");font-weight:100 900;font-style:normal;font-display:swap}

:root{
  --navy:#1B213A;--navy-2:#232B4A;--navy-3:#2E375C;--ivory:#F5F0E8;--stone:#E4DCCB;--brass:#B8945E;--red:#C8333B;--blue:#8AC6E0;
  --ink:#1B213A;--muted:#5A6075;--line:rgba(27,33,58,.16);
  --serif:"DM Serif Display",Georgia,"Times New Roman",serif;
  --sans:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
  --wrap:1200px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:84px}
body{margin:0;font-family:var(--sans);font-size:17px;line-height:1.65;color:var(--ink);background:var(--ivory);-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:inherit}
h1,h2,h3{font-family:var(--serif);font-weight:400;line-height:1.08;margin:0 0 .5em;letter-spacing:-.005em}
h1{font-size:clamp(46px,7vw,92px)}
h2{font-size:clamp(32px,4.2vw,52px)}
h3{font-size:24px}
p{margin:0 0 1em}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 28px}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
:focus-visible{outline:3px solid var(--blue);outline-offset:3px}

/* draft scaffolding */
.draft-bar{position:relative;z-index:60;display:flex;gap:16px;justify-content:center;align-items:center;flex-wrap:wrap;background:repeating-linear-gradient(-45deg,#F2D7A6 0 14px,#EFCF95 14px 28px);color:#3b2a08;font-size:13px;padding:6px 16px}
.draft-bar button{font:inherit;font-weight:600;border:1px solid #3b2a08;background:transparent;padding:2px 10px;cursor:pointer}
.draft-note{border:1.5px dashed var(--brass);background:rgba(184,148,94,.12);padding:10px 14px;font-size:14px;color:inherit}
.draft-note::before{content:"✎ ";}
.draft-inline{background:rgba(184,148,94,.25);padding:0 3px}
body.notes-off .draft-note,body.notes-off .draft-inline{display:none}

/* buttons */
.btn{display:inline-block;font-family:var(--sans);font-weight:600;font-size:16px;letter-spacing:.01em;text-decoration:none;padding:15px 26px;border:2px solid transparent;transition:background .2s,color .2s,transform .2s}
.btn:hover{transform:translateY(-1px)}
.btn-red{background:var(--red);color:#fff}
.btn-red:hover{background:#ad2a31}
.btn-ghost{border-color:rgba(245,240,232,.55);color:var(--ivory)}
.btn-ghost:hover{background:var(--ivory);color:var(--navy)}
.btn-navy{background:var(--navy);color:var(--ivory)}
.btn-navy:hover{background:var(--navy-3)}
.btn-sm{padding:9px 16px;font-size:14px}
.btn-lg{padding:18px 32px;font-size:17px}

/* tie stripe motif */
.tie-stripe{position:absolute;inset:0;pointer-events:none;opacity:.5;
  background:repeating-linear-gradient(-55deg,transparent 0 46px,rgba(200,51,59,.55) 46px 52px,transparent 52px 60px,rgba(46,55,92,.9) 60px 72px,transparent 72px 118px)}
.tie-stripe.thin{opacity:.22}

/* header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(27,33,58,.97);backdrop-filter:blur(6px);border-bottom:1px solid rgba(184,148,94,.35)}
.header-inner{display:flex;align-items:center;justify-content:space-between;height:72px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--ivory)}
.brand img{border-radius:50%}
.brand-name{font-family:var(--serif);font-size:23px;line-height:1}
.brand-cred{font-family:var(--sans);font-size:13px;font-weight:600;letter-spacing:.04em;color:var(--brass)}
.site-nav{display:flex;align-items:center;gap:22px}
.site-nav a:not(.btn){color:var(--ivory);text-decoration:none;font-size:15px;font-weight:500;opacity:.88;position:relative}
.site-nav a:not(.btn):hover{opacity:1}
.site-nav a:not(.btn)::after{content:"";position:absolute;left:0;right:100%;bottom:-6px;height:2px;background:var(--red);transition:right .2s}
.site-nav a:not(.btn):hover::after{right:0}
.nav-toggle{display:none;background:none;border:0;padding:10px;cursor:pointer}
.nav-toggle span:not(.sr){display:block;width:24px;height:2px;background:var(--ivory);margin:5px 0}

/* hero */
.hero{position:relative;background:var(--navy);color:var(--ivory);overflow:hidden}
.hero-grid{position:relative;display:grid;grid-template-columns:1.15fr .85fr;gap:40px;align-items:end;padding-top:88px}
.hero-copy{padding-bottom:96px}
.hero h1 em{font-style:italic;color:var(--blue)}
.hero h1{font-size:clamp(40px,5vw,66px);line-height:1.04}
.eyebrow{font-family:var(--sans);text-transform:uppercase;letter-spacing:.16em;font-size:13px;font-weight:700;color:var(--red);margin-bottom:18px;display:flex;align-items:center;gap:12px}
.eyebrow.light{color:var(--brass)}
.eyebrow .num{font-family:var(--serif);font-size:15px;letter-spacing:0;color:var(--brass);border:1px solid currentColor;padding:2px 8px}
.lede{font-size:20px;line-height:1.55;max-width:620px;color:rgba(245,240,232,.86)}
.lede.dark{color:var(--muted)}
.hero-ctas{display:flex;flex-wrap:wrap;gap:14px;margin:34px 0 40px}
.hero-sig{font-family:var(--serif);font-size:20px;margin:0;border-left:3px solid var(--red);padding-left:14px}
.hero-sig span{display:block;font-family:var(--sans);font-size:14px;color:rgba(245,240,232,.7)}
.hero-photo{align-self:end;position:relative}
.photo-frame{position:relative;isolation:isolate}
.photo-frame::before{content:"";position:absolute;left:8%;right:8%;top:-2%;bottom:0;border:1px solid var(--brass);border-bottom:0;transform:translate(18px,-18px);z-index:0}
.photo-frame img{position:relative;z-index:1;width:100%;max-width:520px;margin-left:auto}
.cred-strip{position:relative;background:var(--ivory);color:var(--navy);border-top:4px solid var(--red)}
.cred-strip ul{list-style:none;margin:0 auto;display:grid;grid-template-columns:repeat(4,1fr)}
.cred-strip li{padding:22px 20px;font-size:14px;line-height:1.4;color:var(--muted);border-left:1px solid var(--line)}
.cred-strip li:first-child{border-left:0;padding-left:0}
.cred-strip b{display:block;font-family:var(--serif);font-weight:400;font-size:22px;color:var(--navy);margin-bottom:2px}

/* "As seen in" press strip (text only; pending Compound and U.S. News approval) */
.press-strip{background:var(--stone);color:var(--navy);border-bottom:1px solid var(--line)}
.press-inner{display:flex;align-items:center;justify-content:center;flex-wrap:wrap;gap:10px 26px;padding-top:22px;padding-bottom:22px;text-align:center}
.press-strip p{margin:0}
.press-k{font-family:var(--sans);text-transform:uppercase;letter-spacing:.18em;font-size:12px;font-weight:700;color:var(--brass);display:flex;align-items:center;gap:14px}
.press-k::before,.press-k::after{content:"";display:block;width:28px;height:1px;background:var(--brass)}
.press-name{font-family:var(--serif);font-size:26px;line-height:1.1;color:var(--navy)}
.press-meta{font-family:var(--sans);font-size:14px;font-weight:500;color:var(--muted);border-left:2px solid var(--red);padding-left:14px}
.press-link{font-family:var(--sans);font-size:14px;font-weight:600;color:var(--navy);text-decoration:none;border-bottom:1.5px solid var(--brass)}
.press-link:hover{color:var(--red);border-bottom-color:var(--red)}
@media (max-width:620px){.press-inner{flex-direction:column;gap:8px}.press-meta{border-left:0;padding-left:0}.press-name{font-size:23px}}

/* sections */
.section{position:relative;padding:112px 0;overflow:hidden}
.section.ivory{background:var(--ivory)}
.section.stone{background:var(--stone)}
.section.navy{background:var(--navy);color:var(--ivory)}
.section-head{max-width:820px;margin-bottom:56px;position:relative}
.section-head.split{max-width:none;display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:end}
.fine{font-size:13px;color:rgba(245,240,232,.62);margin-top:28px}
.fine.dark{color:var(--muted)}
.fine a{color:inherit}

/* about */
.about-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:72px;align-items:start}
.about-photo{margin:0;position:relative}
.about-photo img{width:100%;aspect-ratio:4/5;object-fit:cover;object-position:50% 20%;box-shadow:18px 18px 0 var(--navy)}
.about-photo::after{content:"";position:absolute;top:-14px;left:-14px;width:96px;height:96px;border-top:3px solid var(--red);border-left:3px solid var(--red)}
.about-photo figcaption{margin-top:34px;font-size:13px;letter-spacing:.14em;text-transform:uppercase;color:var(--muted)}
.facts{display:grid;grid-template-columns:repeat(4,1fr);border-top:1px solid var(--line);margin:32px 0 0}
.facts div{padding:18px 16px 0 0}
.facts dt{font-size:12px;text-transform:uppercase;letter-spacing:.14em;color:var(--brass);font-weight:700}
.facts dd{margin:4px 0 0;font-weight:600;font-size:15px}

/* 1031 */
.timeline{list-style:none;padding:0;margin:0 0 56px;display:grid;grid-template-columns:repeat(3,1fr);position:relative}
.timeline::before{content:"";position:absolute;left:0;right:0;top:27px;height:2px;background:linear-gradient(90deg,var(--brass),var(--red))}
.timeline li{position:relative;padding:62px 28px 0 0}
.timeline li::before{content:"";position:absolute;top:18px;left:0;width:20px;height:20px;background:var(--navy);border:3px solid var(--brass);transform:rotate(45deg)}
.timeline li:last-child::before{border-color:var(--red)}
.t-day{display:block;font-family:var(--serif);font-size:44px;line-height:1;color:var(--blue)}
.t-title{display:block;font-weight:700;margin:8px 0 4px;font-size:18px}
.t-text{display:block;color:rgba(245,240,232,.75);font-size:15px}
.cards-3{display:grid;grid-template-columns:repeat(3,1fr);gap:2px;background:rgba(184,148,94,.35);border:1px solid rgba(184,148,94,.35);margin-bottom:40px;position:relative}
.card-dark{background:var(--navy-2);padding:32px}
.card-dark p{color:rgba(245,240,232,.8);font-size:16px;margin:0}
.guide-row{display:grid;grid-template-columns:1fr 1fr 1fr;gap:20px;position:relative}
.guide{display:flex;flex-direction:column;gap:8px;text-decoration:none;background:var(--ivory);color:var(--navy);padding:26px;border-top:4px solid var(--blue);transition:transform .2s}
.guide:hover{transform:translateY(-3px)}
.guide.cta{background:var(--red);color:#fff;border-top-color:var(--brass)}
.guide-k{font-size:12px;text-transform:uppercase;letter-spacing:.14em;font-weight:700;opacity:.75}
.guide-t{font-family:var(--serif);font-size:23px;line-height:1.15;flex:1}
.guide-s{font-weight:600;font-size:14px}

/* articles hub */
.sub-head{font-family:var(--sans);font-weight:700;font-size:13px;text-transform:uppercase;letter-spacing:.16em;color:var(--navy);display:flex;align-items:center;gap:14px;margin-bottom:22px}
.sub-head::after{content:"";flex:1;height:1px;background:var(--line)}
.featured{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-bottom:72px}
.feat{position:relative;background:var(--navy);color:var(--ivory);padding:30px 28px 26px;text-decoration:none;display:flex;flex-direction:column;min-height:260px;overflow:hidden;transition:transform .2s}
.feat::before{content:"";position:absolute;right:-40px;top:-40px;width:120px;height:120px;background:repeating-linear-gradient(-55deg,var(--red) 0 6px,transparent 6px 18px);opacity:.7}
.feat:hover{transform:translateY(-3px)}
.feat .f-date{font-size:12px;letter-spacing:.14em;text-transform:uppercase;color:var(--brass);font-weight:700}
.feat h3{font-family:var(--serif);font-weight:400;font-size:25px;line-height:1.12;margin:12px 0 12px}
.feat p{font-size:14.5px;line-height:1.55;color:rgba(245,240,232,.75);margin:0 0 18px;flex:1}
.feat .f-go{font-size:14px;font-weight:600;color:var(--blue)}
.hub-tools{display:grid;grid-template-columns:minmax(260px,1fr) auto;gap:16px 24px;align-items:center;background:var(--ivory);padding:20px;border-left:4px solid var(--navy)}
.search{display:flex;align-items:center;gap:10px;background:#fff;border:1px solid var(--line);padding:0 14px}
.search svg{width:20px;height:20px;color:var(--muted);flex:none}
.search input{border:0;outline:0;font:inherit;font-size:16px;padding:13px 0;width:100%;background:transparent;color:var(--ink)}
.sort{display:flex;align-items:center;gap:10px;font-size:14px;color:var(--muted)}
.sort select{font:inherit;font-size:15px;padding:11px 12px;border:1px solid var(--line);background:#fff;color:var(--ink)}
.chips{grid-column:1/-1;display:flex;flex-wrap:wrap;gap:8px}
.chip{font:inherit;font-size:14px;font-weight:600;padding:8px 14px;border:1px solid var(--navy);background:transparent;color:var(--navy);cursor:pointer}
.chip .c{font-weight:400;opacity:.65;margin-left:4px}
.chip[aria-pressed="true"]{background:var(--navy);color:var(--ivory)}
.chip:hover{border-color:var(--red)}
.result-count{font-size:14px;color:var(--muted);margin:22px 0 6px}
.article-list{list-style:none;margin:0;padding:0;border-top:2px solid var(--navy)}
.art{display:grid;grid-template-columns:110px 1fr auto;gap:24px;align-items:baseline;padding:22px 0;border-bottom:1px solid var(--line)}
.art time{font-size:13px;font-weight:600;color:var(--muted);letter-spacing:.04em}
.art a.t{font-family:var(--serif);font-size:23px;line-height:1.2;text-decoration:none;color:var(--navy);background:linear-gradient(var(--red),var(--red)) 0 100%/0 2px no-repeat;transition:background-size .25s}
.art a.t:hover{background-size:100% 2px}
.art p{font-size:15px;color:var(--muted);margin:6px 0 0;max-width:760px}
.art .tags{display:flex;gap:6px;flex-wrap:wrap;justify-content:flex-end;max-width:240px}
.tag{font-size:11.5px;font-weight:700;text-transform:uppercase;letter-spacing:.08em;padding:3px 8px;background:rgba(27,33,58,.07);color:var(--navy);white-space:nowrap}
.tag.re{background:var(--red);color:#fff}
.empty{padding:28px 0;color:var(--muted)}
mark{background:rgba(138,198,224,.55);color:inherit;padding:0 1px}

/* video */
.video-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:64px;align-items:center}
.video-slot{position:relative;display:block;box-shadow:-18px 18px 0 var(--stone);border:1px solid var(--line)}
.video-slot img{width:100%;aspect-ratio:16/9;object-fit:cover}
.video-slot .play{position:absolute;left:50%;top:50%;width:86px;height:86px;transform:translate(-50%,-50%);background:var(--red);border-radius:50%;box-shadow:0 8px 24px rgba(0,0,0,.35);transition:transform .2s}
.video-slot .play::after{content:"";position:absolute;left:34px;top:26px;border-left:26px solid #fff;border-top:17px solid transparent;border-bottom:17px solid transparent}
.video-slot:hover .play{transform:translate(-50%,-50%) scale(1.07)}
.soon{position:absolute;top:14px;left:14px;background:var(--ivory);color:var(--navy);font-size:12px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;padding:5px 10px}
.video-embed{position:relative;width:100%;aspect-ratio:16/9;background:var(--navy);box-shadow:-18px 18px 0 var(--stone);border:1px solid var(--line)}
.video-embed iframe{position:absolute;inset:0;width:100%;height:100%;border:0}
.video-figure{margin:40px 0 48px}
.video-figure .video-embed{box-shadow:-12px 12px 0 var(--stone)}
.video-figure figcaption{font-size:15px;color:var(--muted);margin-top:22px}

/* contact */
.contact-grid{position:relative;display:grid;grid-template-columns:1.1fr .9fr;gap:64px;align-items:center}
.contact-list{list-style:none;margin:0;padding:34px;background:var(--navy-2);border:1px solid rgba(184,148,94,.4)}
.contact-list li{padding:14px 0;border-bottom:1px solid rgba(245,240,232,.12);font-size:16px}
.contact-list li:last-child{border-bottom:0}
.contact-list span{display:block;font-size:12px;text-transform:uppercase;letter-spacing:.14em;color:var(--brass);font-weight:700;margin-bottom:2px}
.contact-list a{color:var(--ivory);text-decoration-color:rgba(138,198,224,.6);text-underline-offset:3px}

/* footer */
.site-footer{background:#141932;color:rgba(245,240,232,.72);padding:64px 0 48px;font-size:13px;border-top:4px solid var(--red)}
.foot-top{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:16px;padding-bottom:28px;margin-bottom:28px;border-bottom:1px solid rgba(245,240,232,.12)}
.foot-tag{font-family:var(--serif);font-style:italic;font-size:22px;color:var(--blue);margin:0}
.disclosure-label{font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--brass);font-size:12px;margin-bottom:8px}
.disclosure{line-height:1.7;max-width:1000px}
.fine-print{font-size:12px;opacity:.75;max-width:1000px}

/* responsive */
@media (max-width:1020px){
  .hero-grid{grid-template-columns:1fr 1fr}
  .featured{grid-template-columns:1fr 1fr}
  .guide-row,.cards-3{grid-template-columns:1fr}
  .cred-strip ul{grid-template-columns:1fr 1fr}
  .cred-strip li:nth-child(3){border-left:0;padding-left:0}
  .cred-strip li{border-top:1px solid var(--line)}
}
@media (max-width:860px){
  body{font-size:16px}
  .hero-grid{grid-template-columns:1fr;padding-top:56px;gap:0}
  .hero-copy{padding-bottom:20px}
  .hero-photo{max-width:380px;margin:0 auto}
  .section{padding:80px 0}
  .section-head.split,.about-grid,.video-grid,.contact-grid{grid-template-columns:1fr;gap:40px}
  .about-photo{max-width:420px}
  .facts{grid-template-columns:1fr 1fr}
  .timeline{grid-template-columns:1fr;gap:8px}
  .timeline::before{left:9px;right:auto;top:0;bottom:0;width:2px;height:auto;background:linear-gradient(180deg,var(--brass),var(--red))}
  .timeline li{padding:0 0 22px 52px}
  .timeline li::before{top:10px;left:0}
  .featured{grid-template-columns:1fr}
  .hub-tools{grid-template-columns:1fr}
  .art{grid-template-columns:1fr;gap:6px}
  .art .tags{justify-content:flex-start;max-width:none}
  .video-slot,.video-embed{box-shadow:-10px 10px 0 var(--stone)}
}
@media (max-width:520px){
  .wrap{padding:0 20px}
  .brand-name{font-size:20px}
  .brand-cred{font-size:11px;letter-spacing:.02em}
  .cred-strip ul{grid-template-columns:1fr}
  .cred-strip li{border-left:0;padding-left:0}
  .hero-ctas .btn{width:100%;text-align:center}
  .lede{font-size:18px}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}
@media print{.draft-bar,.site-header,.nav-toggle{display:none}}
.hub-tools .search{grid-row:1;grid-column:1}
.hub-tools .sort{grid-row:1;grid-column:2}
.more-wrap{text-align:center;margin-top:28px}
@media (max-width:860px){.hub-tools .sort{grid-row:auto;grid-column:auto}}
.feat h3{padding-right:44px}

/* ===== multi-page additions ===== */
:root{--brass-dk:#7A5C2E}
@media (max-width:1180px){
  .nav-toggle{display:block}
  .site-nav{display:none;position:absolute;top:72px;left:0;right:0;flex-direction:column;align-items:stretch;gap:0;background:var(--navy);padding:8px 28px 22px;border-bottom:1px solid rgba(184,148,94,.35)}
  .site-nav.open{display:flex}
  .site-nav a:not(.btn){padding:14px 0;border-bottom:1px solid rgba(245,240,232,.1)}
  .site-nav .btn{margin-top:16px;text-align:center}
}
.site-nav a[aria-current="page"]{opacity:1}
.site-nav a[aria-current="page"]::after{right:0}
.skip{position:absolute;left:12px;top:-60px;z-index:100;background:var(--red);color:#fff;padding:10px 16px;font-weight:600;text-decoration:none}
.skip:focus{top:10px}
.eyebrow .num,.facts dt{color:var(--brass-dk)}
.section.navy .eyebrow .num,.hero .eyebrow .num{color:var(--brass)}
.hero-sig a{color:inherit;text-decoration-color:rgba(138,198,224,.6);text-underline-offset:3px}
.hero-affil{font-size:13px;color:rgba(245,240,232,.7);margin:12px 0 0;max-width:520px}

/* inner page hero */
.page-hero{position:relative;background:var(--navy);color:var(--ivory);padding:40px 0 64px;overflow:hidden;border-bottom:4px solid var(--red)}
.page-hero .wrap{position:relative}
.page-hero h1{font-size:clamp(36px,5vw,60px);max-width:980px}
.page-hero .lede{max-width:760px}
.crumbs ol{list-style:none;margin:0 0 28px;padding:0;display:flex;flex-wrap:wrap;gap:8px;font-size:13px;color:rgba(245,240,232,.7)}
.crumbs li+li::before{content:"/";margin-right:8px;opacity:.6}
.crumbs a{color:var(--ivory);text-underline-offset:3px}
.byline{font-size:14px;color:rgba(245,240,232,.75);margin:22px 0 0;border-left:3px solid var(--red);padding-left:12px}
.byline a{color:var(--ivory);text-underline-offset:3px}

/* article layout */
.article-layout{display:grid;grid-template-columns:250px minmax(0,1fr);gap:64px;padding-top:64px;padding-bottom:80px}
.content-grid{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:64px;padding-top:64px;padding-bottom:80px;align-items:start}
.toc{position:sticky;top:96px;align-self:start;font-size:14px;border-top:4px solid var(--navy);padding-top:16px}
.toc-h{font-weight:700;text-transform:uppercase;letter-spacing:.14em;font-size:12px;color:var(--red);margin-bottom:10px}
.toc ol{margin:0 0 20px;padding-left:20px}
.toc li{margin:0 0 8px;color:var(--muted)}
.toc a{color:var(--navy);text-decoration:none}
.toc a:hover{text-decoration:underline;text-decoration-color:var(--red)}
.prose{max-width:760px}
.prose h2{font-size:clamp(28px,3.2vw,38px);margin:48px 0 16px;scroll-margin-top:90px}
.prose h2:first-child{margin-top:0}
.prose h3{margin:28px 0 10px}
.prose p,.prose li{font-size:18px;line-height:1.7}
.prose ul,.prose ol{padding-left:24px;margin:0 0 1.2em}
.prose li{margin-bottom:8px}
.prose li::marker{color:var(--red)}
.on-page{background:var(--stone,#efe9df);border-radius:10px;padding:14px 18px;margin:8px 0 8px}.on-page p{font-size:16px;margin:0;line-height:1.8}
.prose .fine.dark{font-size:14px;margin-top:-4px}
.foot-area{font-size:14px;line-height:1.7;opacity:.85;margin:28px 0 28px;max-width:1000px}.foot-area a{color:var(--ivory)}
.prose a{color:var(--navy);text-decoration-color:var(--red);text-underline-offset:3px;text-decoration-thickness:1.5px}
.prose a.btn-red{color:#fff}
.prose a.btn-navy{color:var(--ivory)}
ol.steps{list-style:none;counter-reset:s;padding-left:0}
ol.steps li{counter-increment:s;position:relative;padding:14px 0 14px 60px;border-bottom:1px solid var(--line);margin:0}
ol.steps li::before{content:counter(s);position:absolute;left:0;top:12px;width:40px;height:40px;display:grid;place-items:center;background:var(--navy);color:var(--ivory);font-family:var(--serif);font-size:20px}
.not-advice{background:var(--stone);border-left:4px solid var(--brass);padding:18px 22px;font-size:15px!important;line-height:1.6!important;margin:40px 0}
.faq{margin-top:56px;border-top:2px solid var(--navy);padding-top:8px}
details.qa{border-bottom:1px solid var(--line);padding:4px 0}
details.qa summary{cursor:pointer;list-style:none;font-family:var(--serif);font-size:22px;line-height:1.25;padding:16px 40px 16px 0;position:relative;color:var(--navy)}
details.qa summary::-webkit-details-marker{display:none}
details.qa summary::after{content:"+";position:absolute;right:6px;top:12px;font-family:var(--sans);font-size:26px;color:var(--red)}
details.qa[open] summary::after{content:"–"}
details.qa > div p{font-size:17px}
.related-list{list-style:none;padding:0!important;margin:0 0 24px;display:grid;grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:16px}
.related-list li{margin:0}
.related-list a{display:flex;flex-direction:column;gap:6px;height:100%;padding:20px 22px;background:#fff;border-top:4px solid var(--blue);text-decoration:none!important;color:var(--navy);transition:transform .2s}
.related-list a:hover{transform:translateY(-3px)}
.r-src{font-size:12px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--muted)}
.r-t{font-family:var(--serif);font-size:21px;line-height:1.2}
.prose .related-list li{font-size:inherit}
.more-guides{font-weight:600}
.role-table{border-top:2px solid var(--navy);margin:24px 0 40px;font-size:15px}
.role-table [role=row]{display:grid;grid-template-columns:1fr 1.3fr 1.6fr;gap:16px;padding:14px 0;border-bottom:1px solid var(--line)}
.role-table .rt-head{font-size:12px;font-weight:700;text-transform:uppercase;letter-spacing:.12em;color:var(--muted)}

/* side card */
.side-card{position:sticky;top:96px;background:#fff;border-top:4px solid var(--red);padding:0 0 24px;box-shadow:12px 12px 0 var(--stone)}
.side-card img{width:100%;aspect-ratio:1/1;object-fit:cover;object-position:50% 18%;margin-bottom:18px}
.side-card p,.side-card .btn{margin-left:24px;margin-right:24px}
.sc-name{font-family:var(--serif);font-size:22px;margin-bottom:4px}
.sc-role{font-size:14px;color:var(--muted)}
.sc-role a{color:var(--navy)}
.sc-loc{font-size:14px;color:var(--muted)}
.side-card .btn{display:block;text-align:center;margin-bottom:16px}
.sc-alt{font-size:14px;line-height:1.8}
.sc-alt a{color:var(--navy)}

/* home path cards */
.cards-3.path-cards,.section .cards-3:has(.path-card){background:transparent;border:0;gap:20px;margin-bottom:0}
.path-card{display:flex;flex-direction:column;gap:10px;background:#fff;padding:30px;text-decoration:none;color:var(--navy);border-top:4px solid var(--navy);transition:transform .2s}
.path-card:hover{transform:translateY(-3px);border-top-color:var(--red)}
.pc-k{font-size:12px;text-transform:uppercase;letter-spacing:.14em;font-weight:700;color:var(--red)}
.pc-t{font-family:var(--serif);font-size:26px;line-height:1.15}
.pc-s{font-size:15.5px;color:var(--muted);flex:1}
.pc-go{font-weight:600;font-size:14px}
.card-dark a{color:var(--blue);text-underline-offset:3px;white-space:nowrap}
.text-link{display:inline-block;margin-left:16px;font-weight:600;color:var(--navy)}
.section .related-list a{background:var(--ivory)}
.pillar-links{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-bottom:64px}
.hub .featured{margin-bottom:56px}

/* contact (light) */
.contact-grid.light .contact-list{background:var(--navy)}
.contact-grid.light .contact-list li{color:var(--ivory)}
.contact-affil{margin-top:28px;font-size:15px;border-left:3px solid var(--red);padding-left:14px}
.contact-affil a{color:var(--navy)}

/* CTA band */
.cta-band{position:relative;background:var(--navy);color:var(--ivory);padding:72px 0;overflow:hidden}
.cta-inner{position:relative;display:flex;align-items:center;justify-content:space-between;gap:40px;flex-wrap:wrap}
.cta-inner > div{max-width:680px}
.cta-title{font-family:var(--serif);font-size:clamp(30px,3.6vw,44px);line-height:1.1;margin-bottom:10px}
.cta-inner p:not(.cta-title){color:rgba(245,240,232,.8);margin:0}

/* footer grid */
.foot-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:40px;padding-bottom:28px;margin-bottom:28px;border-bottom:1px solid rgba(245,240,232,.12);font-size:14px}
.foot-h{font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--brass);font-size:12px;margin-bottom:12px}
.foot-nav{display:flex;flex-direction:column;gap:8px}
.foot-nav a,.foot-affil a,.site-footer .brand{color:var(--ivory);text-underline-offset:3px}
.foot-nav a{text-decoration:none;opacity:.85}
.foot-nav a:hover{opacity:1;text-decoration:underline}
.foot-affil p{line-height:1.6}

@media (max-width:1020px){
  .article-layout{grid-template-columns:1fr;gap:24px}
  .toc{position:static;max-width:760px}
  .content-grid{grid-template-columns:1fr}
  .side-card{position:static;max-width:420px}
  .foot-grid{grid-template-columns:1fr 1fr}
  .pillar-links{grid-template-columns:1fr}
}
@media (max-width:860px){
  .page-hero{padding:28px 0 48px}
  .prose p,.prose li{font-size:17px}
  .role-table [role=row]{grid-template-columns:1fr;gap:4px}
  .role-table .rt-head{display:none}
  .cards-3.path-cards,.section .cards-3:has(.path-card){grid-template-columns:1fr}
}
@media (max-width:520px){
  .foot-grid{grid-template-columns:1fr}
  .article-layout,.content-grid{padding-top:40px}
  details.qa summary{font-size:19px}
}
/* contrast fixes */
.guide.cta .guide-k{opacity:1}
.section.stone .eyebrow,.section.stone .pc-k{color:#A3242C}
.toc a.btn{color:#fff;text-decoration:none}

/* credential verification (pending Compound compliance review) */
.verify-box{background:var(--stone);border-left:4px solid var(--brass);padding:20px 24px;margin:8px 0 32px}
.verify-h{font-family:var(--sans);text-transform:uppercase;letter-spacing:.14em;font-size:12px;font-weight:700;color:var(--red);margin:0 0 10px}
.verify-box ul{list-style:none;padding:0;margin:0 0 8px}
.verify-box li{margin:6px 0;font-size:16px}
.verify-box li span{font-weight:700;color:var(--navy)}
.verify-box a{color:var(--navy);font-weight:600;text-underline-offset:3px;text-decoration-color:var(--brass)}
.verify-box a:hover{color:var(--red)}
.verify-note{font-size:14px;color:var(--muted);margin:0}
.foot-id{display:flex;flex-direction:column;gap:10px}
.foot-verify{margin:0;font-size:13px;color:rgba(245,240,232,.72)}
.foot-verify a{color:var(--ivory);text-underline-offset:3px}

/* mobile hero portrait: frame centered and matched to the photo (desktop unchanged) */
@media (max-width:860px){
  .hero-photo{width:100%;max-width:380px;margin:40px auto 0;align-self:auto}
  .photo-frame{padding-top:14px}
  .photo-frame::before{left:0;right:0;top:0;bottom:0;transform:none}
  .photo-frame img{display:block;width:100%;max-width:100%;margin:0 auto}
}
@media (max-width:520px){
  .hero-photo{max-width:340px;margin-top:36px}
}
/* Nov 3, 2026: firm title in header, bio link in CTA band, Compound disclosure block */
.brand-text{display:flex;flex-direction:column;gap:5px;min-width:0}
.brand-role{font-family:var(--sans);font-size:12.5px;font-weight:500;letter-spacing:.02em;color:rgba(245,240,232,.78);line-height:1.2}
.site-footer .brand-role{display:none}
.cta-inner > .cta-actions{display:flex;flex-direction:column;align-items:center;gap:12px}
.cta-bio{color:var(--ivory);font-size:15px;font-weight:600;text-decoration:none;border-bottom:1.5px solid var(--brass);padding-bottom:1px}
.cta-bio:hover{color:#fff;border-bottom-color:var(--red)}
.disclosure p{margin:0 0 10px}
.disclosure a,.fine-print a{color:inherit;text-underline-offset:3px}
@media (max-width:520px){.brand-role{font-size:11px}.brand-text{gap:3px}.cta-inner > .cta-actions{align-items:stretch;width:100%}.cta-actions .btn{text-align:center}.cta-bio{align-self:center}}