@font-face{font-family:Poppins;font-style:normal;font-weight:500;font-display:swap;src:url(/assets/fonts/poppins-500-latin.woff2) format('woff2');unicode-range:U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD}
@font-face{font-family:Poppins;font-style:normal;font-weight:600;font-display:swap;src:url(/assets/fonts/poppins-600-latin.woff2) format('woff2');unicode-range:U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD}
@font-face{font-family:Poppins;font-style:normal;font-weight:700;font-display:swap;src:url(/assets/fonts/poppins-700-latin.woff2) format('woff2');unicode-range:U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD}
:root{
  /* Brand tokens matched to strongtoweradvisors.com (Wix theme): deep navy #001D4B, royal blue #003A96,
     brand blue #0F67B2, bright accent #1397D4, light blue #E5F0FE, text #282626 / #595959, lines #E8E6E6. */
  --navy:#001d4b;--navy-2:#003a96;--blue:#1397d4;--blue-2:#0f67b2;--sky:#e5f0fe;--ice:#f5f8fc;
  --ink:#282626;--muted:#595959;--line:#e1e5ea;--white:#fff;--green:#206f5a;--amber:#9a6a1d;
  --shadow:0 18px 50px rgba(0,29,75,.12);--radius:18px;--max:1180px;
  --font-head:Poppins,"Helvetica Neue",Helvetica,Arial,sans-serif;
}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:"Helvetica Neue",Helvetica,Arial,ui-sans-serif,system-ui,sans-serif;color:var(--ink);background:#fff;line-height:1.62}
a{color:var(--blue-2);text-decoration:none}a:hover{text-decoration:underline}img{max-width:100%;display:block}.skip-link{position:absolute;left:-999px;top:0}.skip-link:focus{left:12px;top:12px;z-index:999;background:#fff;padding:10px 14px;border-radius:8px}
.container{width:min(calc(100% - 36px),var(--max));margin:auto}.narrow{width:min(calc(100% - 36px),820px);margin:auto}.section{padding:84px 0}.section-sm{padding:52px 0}.section-alt{background:var(--ice)}.section-dark{background:var(--navy);color:#fff}.section-dark p,.section-dark .muted{color:#c8d7e2}.eyebrow{font-weight:800;letter-spacing:.11em;text-transform:uppercase;font-size:.78rem;color:var(--blue-2);margin:0 0 12px}.section-dark .eyebrow,.hero .eyebrow{color:#75cef0}h1,h2,h3{font-family:var(--font-head);font-weight:600;line-height:1.15;margin:0 0 16px;letter-spacing:-.015em}h1{font-size:clamp(2.55rem,5vw,5.25rem);max-width:980px}h2{font-size:clamp(2rem,3.2vw,3.35rem)}h3{font-size:1.25rem}.lead{font-size:clamp(1.08rem,1.8vw,1.32rem);max-width:760px;color:var(--muted)}.muted{color:var(--muted)}.small{font-size:.88rem}.center{text-align:center}.center .lead{margin-left:auto;margin-right:auto}.kicker{font-size:1.05rem;font-weight:700;color:var(--navy)}
.topbar{background:linear-gradient(90deg,#001d4b 0%,#003a96 60%,#0f67b2 100%);color:#dfeaf0;font-size:.84rem}.topbar-inner{min-height:36px;display:flex;align-items:center;justify-content:space-between;gap:20px}.topbar a{color:#fff}.site-header{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.97);border-bottom:1px solid rgba(216,228,235,.9);backdrop-filter:blur(12px)}.nav{display:flex;align-items:center;justify-content:space-between;min-height:78px;gap:24px}.brand{display:flex;align-items:center;gap:12px;color:var(--navy);min-width:260px}.brand:hover{text-decoration:none}.brand img{width:46px;height:auto}.brand-copy{display:flex;flex-direction:column;line-height:1}.brand-name{font-family:var(--font-head);font-weight:700;letter-spacing:.06em;font-size:1rem}.brand-sub{color:var(--blue-2);font-weight:760;letter-spacing:.18em;font-size:.72rem;margin-top:4px}.brand-tag{font-size:.59rem;color:#7a8b98;letter-spacing:.11em;margin-top:5px}.nav-links{display:flex;align-items:center;gap:22px;font-weight:700;font-size:.93rem}.nav-links a{color:var(--ink)}.nav-links a.active{color:var(--blue-2)}.nav-actions{display:flex;gap:10px;align-items:center}.nav-toggle{display:none;border:1px solid var(--line);background:#fff;border-radius:10px;padding:10px 12px;font-size:1rem}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:13px 18px;border-radius:999px;border:1px solid transparent;font-weight:800;cursor:pointer;transition:.18s ease;text-decoration:none;font-size:.95rem}.btn:hover{text-decoration:none;transform:translateY(-1px)}.btn-primary{background:var(--blue-2);color:#fff;box-shadow:0 10px 26px rgba(15,103,178,.25)}.btn-primary:hover{background:#003a96}.btn-secondary{background:#fff;color:var(--navy);border-color:#cfe0e8}.btn-secondary:hover{border-color:#9db8c8}.btn-dark{background:var(--navy);color:#fff}.btn-ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.35)}.btn-row{display:flex;gap:12px;flex-wrap:wrap;margin-top:26px}
.hero{position:relative;overflow:hidden;background:linear-gradient(120deg,#001d4b 0%,#003a96 62%,#0f67b2 130%);color:#fff;padding:88px 0 76px}.hero:after{content:"";position:absolute;width:760px;height:760px;border:1px solid rgba(255,255,255,.07);border-radius:50%;right:-230px;top:-390px;box-shadow:0 0 0 90px rgba(255,255,255,.028),0 0 0 180px rgba(255,255,255,.02)}.hero .lead{color:#d5e5ee}.hero-grid{display:grid;grid-template-columns:minmax(0,1.25fr) minmax(280px,.75fr);gap:54px;align-items:center;position:relative;z-index:1}.hero-card{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.2);border-radius:24px;padding:28px;backdrop-filter:blur(12px)}.hero-card h3{font-size:1.5rem}.hero-card ul{padding-left:1.2rem}.hero-card li{margin:9px 0;color:#e5f0f5}
.grid{display:grid;gap:22px}.grid-2{grid-template-columns:repeat(2,minmax(0,1fr))}.grid-3{grid-template-columns:repeat(3,minmax(0,1fr))}.grid-4{grid-template-columns:repeat(4,minmax(0,1fr))}.grid-5{grid-template-columns:repeat(5,minmax(0,1fr))}.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:0 5px 18px rgba(0,29,75,.04)}.card:hover{box-shadow:var(--shadow)}.card-flat{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px}.icon-badge{width:48px;height:48px;display:flex;align-items:center;justify-content:center;border-radius:14px;background:var(--sky);color:#0F67B2;font-weight:900;margin-bottom:18px}.icon-badge .badge-icon{width:26px;height:26px;flex:none}.number-badge{width:40px;height:40px;border-radius:50%;display:grid;place-items:center;background:var(--navy);color:#fff;font-weight:850}.card-link{display:inline-flex;margin-top:8px;font-weight:800}
.timeline{display:grid;grid-template-columns:repeat(7,minmax(0,1fr));gap:8px;margin-top:34px}.milestone{position:relative;padding:18px 12px;background:#fff;border:1px solid var(--line);border-radius:14px;min-height:150px}.milestone strong{display:block;font-size:1.7rem;color:var(--navy)}.milestone span{font-size:.87rem;color:var(--muted)}.milestone.featured{background:var(--navy);color:#fff;border-color:var(--navy)}.milestone.featured strong,.milestone.featured span{color:#fff}.milestone:after{content:"";position:absolute;right:-9px;top:50%;width:10px;border-top:2px solid #a9c4d3}.milestone:last-child:after{display:none}
.pillars .card{border-top:4px solid var(--blue)}.pillars h3{font-size:1.05rem;letter-spacing:.04em}.quote{font-size:1.4rem;line-height:1.45;font-weight:720;border-left:4px solid var(--blue);padding-left:24px}.callout{background:linear-gradient(135deg,var(--sky),#fff);border:1px solid #cfe9f4;border-radius:22px;padding:34px}.callout-dark{background:linear-gradient(135deg,#001d4b,#1e526d);color:#fff;border:none}.callout-dark p{color:#d7e5ec}.badge{display:inline-block;padding:6px 10px;border-radius:999px;background:var(--sky);color:#003a96;font-size:.78rem;font-weight:800}.checklist{list-style:none;padding:0;margin:20px 0}.checklist li{position:relative;padding-left:30px;margin:10px 0}.checklist li:before{content:"✓";position:absolute;left:0;top:0;color:var(--green);font-weight:900}.warning{border-left:4px solid #d59c39;background:#fff8e9;padding:18px 20px;border-radius:8px}.source-note{border-top:1px solid var(--line);padding-top:16px;margin-top:28px;color:var(--muted);font-size:.85rem}.source-note a{font-weight:700}
.process{counter-reset:step}.process .card{position:relative;padding-top:58px}.process .card:before{counter-increment:step;content:counter(step);position:absolute;left:24px;top:20px;width:28px;height:28px;border-radius:50%;display:grid;place-items:center;background:var(--navy);color:#fff;font-weight:900;font-size:.82rem}
form{margin:0}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}.field{display:flex;flex-direction:column;gap:7px}.field.full{grid-column:1/-1}label{font-weight:750;font-size:.91rem}input,select,textarea{font:inherit;border:1px solid #b9cbd5;border-radius:11px;padding:12px 13px;background:#fff;color:var(--ink);width:100%}textarea{min-height:125px;resize:vertical}input:focus,select:focus,textarea:focus{outline:3px solid #0f67b2;outline-offset:1px;border-color:#0f67b2}.consent{display:flex;align-items:flex-start;gap:9px;font-size:.82rem;color:var(--muted)}.consent input{width:auto;margin-top:4px}.form-message{display:none;margin-top:16px;padding:15px 17px;border-radius:12px;background:#e8f6ef;color:#215b48;font-weight:700}.form-message.show{display:block}.form-note{font-size:.78rem;color:var(--muted);margin-top:12px}
.assessment-shell{display:grid;grid-template-columns:260px 1fr;gap:32px}.assessment-progress{position:sticky;top:120px;align-self:start}.progress-track{height:8px;border-radius:999px;background:#e4edf2;overflow:hidden}.progress-bar{height:100%;width:0;background:var(--blue);transition:width .2s}.question{padding:22px 0;border-bottom:1px solid var(--line)}.question legend{font-weight:800;margin-bottom:13px}.answers{display:grid;grid-template-columns:repeat(4,1fr);gap:10px}.answer input{position:absolute;opacity:0;pointer-events:none}.answer label{display:block;border:1px solid var(--line);border-radius:11px;padding:11px 9px;text-align:center;cursor:pointer;background:#fff;font-size:.85rem}.answer input:checked+label{border-color:var(--blue);background:var(--sky);color:var(--navy)}.assessment-result{display:none;margin-top:28px}.assessment-result.show{display:block}.score-ring{width:94px;height:94px;border-radius:50%;display:grid;place-items:center;background:var(--navy);color:#fff;font-size:1.35rem;font-weight:900}
.resource-card .badge{margin-bottom:16px}.resource-meta{display:flex;gap:8px;flex-wrap:wrap;margin-top:15px}.article-layout{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:44px}.toc{position:sticky;top:120px;align-self:start;border:1px solid var(--line);border-radius:16px;padding:20px;background:var(--ice)}.toc a{display:block;padding:7px 0;color:var(--ink);font-weight:700;font-size:.89rem}.article h2{font-size:2rem;margin-top:52px}.article h3{margin-top:32px}.article p,.article li{font-size:1.02rem}.article table{width:100%;border-collapse:collapse;margin:22px 0}.article th,.article td{border:1px solid var(--line);padding:12px;text-align:left;vertical-align:top}.article th{background:var(--ice)}
footer{background:#001d4b;color:#c7d5dd;padding:56px 0 28px}footer a{color:#e3f3fa}footer .brand{color:#fff}.footer-grid{display:grid;grid-template-columns:1.2fr .8fr .8fr 1.2fr;gap:34px}.footer-title{font-weight:850;color:#fff;margin-bottom:12px}.footer-links a{display:block;padding:4px 0;font-size:.9rem}.footer-disclosure{font-size:.76rem;color:#91a5b2;border-top:1px solid #274152;margin-top:34px;padding-top:22px}.footer-bottom{display:flex;justify-content:space-between;gap:20px;margin-top:20px;font-size:.78rem;color:#91a5b2}
.cookie-banner{position:fixed;left:20px;right:20px;bottom:20px;max-width:680px;margin:auto;z-index:200;background:#fff;border:1px solid var(--line);box-shadow:var(--shadow);border-radius:16px;padding:18px;display:none}.cookie-banner.show{display:flex;align-items:center;justify-content:space-between;gap:18px}.cookie-banner p{font-size:.82rem;margin:0}.cookie-actions{display:flex;gap:8px}.cookie-actions .btn{padding:9px 13px;font-size:.8rem}
.landing-nav{padding:18px 0;border-bottom:1px solid var(--line)}.landing-nav .container{display:flex;justify-content:space-between;align-items:center}.landing-main{min-height:calc(100vh - 160px)}.lead-box{background:#fff;border-radius:22px;padding:28px;border:1px solid var(--line);box-shadow:var(--shadow)}.hero .lead-box{color:var(--ink)}.hero .lead-box p{color:var(--muted)}.print-only{display:none}.print-sheet{max-width:900px;margin:auto}.print-sheet h1{font-size:3rem}.print-toolbar{position:sticky;top:0;z-index:40;background:#fff;border-bottom:1px solid var(--line);padding:10px 0}.print-toolbar .container{display:flex;justify-content:space-between;gap:12px;align-items:center}.checkbox-list{list-style:none;padding:0}.checkbox-list li{border-bottom:1px solid var(--line);padding:13px 0 13px 34px;position:relative}.checkbox-list li:before{content:"";position:absolute;left:2px;top:16px;width:17px;height:17px;border:2px solid #8ca5b3;border-radius:4px}
@media(max-width:1000px){.nav-links{display:none}.nav-toggle{display:block}.nav.open .nav-links{display:flex;position:absolute;left:0;right:0;top:78px;background:#fff;flex-direction:column;align-items:flex-start;padding:20px 26px;border-bottom:1px solid var(--line);box-shadow:var(--shadow)}.nav-actions .btn-secondary{display:none}.hero-grid,.article-layout,.assessment-shell{grid-template-columns:1fr}.assessment-progress,.toc{position:static}.grid-5{grid-template-columns:repeat(3,1fr)}.grid-4{grid-template-columns:repeat(2,1fr)}.timeline{grid-template-columns:repeat(4,1fr)}.milestone:after{display:none}.footer-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:720px){.section{padding:62px 0}.topbar-inner{justify-content:center}.topbar-inner span:last-child{display:none}.brand{min-width:0}.brand-tag{display:none}.brand-name{font-size:.86rem}.brand img{width:40px;height:auto}.nav{min-height:68px}.nav.open .nav-links{top:68px}.nav-actions .btn-primary{display:none}.hero{padding:64px 0 58px}.hero-grid{gap:30px}.grid-2,.grid-3,.grid-4,.grid-5,.form-grid,.answers{grid-template-columns:1fr}.timeline{grid-template-columns:repeat(2,1fr)}.footer-grid{grid-template-columns:1fr}.footer-bottom{flex-direction:column}.cookie-banner.show{align-items:flex-start;flex-direction:column}.article table{font-size:.82rem}.print-sheet h1{font-size:2.3rem}}
@media print{.site-header,.topbar,.cookie-banner,.print-toolbar,.no-print,footer .footer-grid,footer .footer-bottom,.landing-nav .small{display:none!important}footer{background:#fff!important;color:#000!important;padding:12px 0 0!important;break-inside:avoid}footer .footer-disclosure,footer .footer-disclosure *{color:#000!important;border-color:#999!important}.section{padding:22px 0}.print-only{display:block}.print-sheet{width:100%;max-width:none}.card,.callout{box-shadow:none;break-inside:avoid}.page-break{break-before:auto}.checkbox-list li{break-inside:avoid}a{color:#000;text-decoration:none}}
.hp-field{position:absolute!important;left:-10000px!important;width:1px!important;height:1px!important;overflow:hidden!important;opacity:0!important;pointer-events:none!important}.form-message.error{background:#fff1f0;color:#8a1f17;border-color:#e6aaa5}.btn:disabled{opacity:.65;cursor:wait}
.editorial-review{padding-top:10px}.review-card{border-top:1px solid #d9dee3;padding-top:22px;color:#59636e}.review-card p{margin:.45rem 0}.review-card strong{color:#001d4b}
.footer-privacy-btn{appearance:none;border:0;background:transparent;color:inherit;text-decoration:underline;padding:0;font:inherit;cursor:pointer}.cookie-banner a{color:inherit;text-decoration:underline}

/* Accessibility: heading-level fixes keep the original visual sizes. */
.h3,h2.h3{font-size:1.25rem;line-height:1.12;letter-spacing:-.025em;font-weight:700;margin:0 0 16px}
.hero-card .h3{font-size:1.5rem}
h2.eyebrow{line-height:1.62}
.visually-hidden{position:absolute!important;width:1px!important;height:1px!important;padding:0!important;margin:-1px!important;overflow:hidden!important;clip:rect(0,0,0,0)!important;white-space:nowrap!important;border:0!important}
/* Accessibility: solid, visible keyboard focus everywhere. */
a:focus-visible,button:focus-visible,summary:focus-visible,[tabindex]:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible{outline:3px solid #0f67b2;outline-offset:2px}
.answer input:focus-visible+label{outline:3px solid #0f67b2;outline-offset:2px}
.hero a:focus-visible,.hero button:focus-visible,.section-dark a:focus-visible,.section-dark button:focus-visible,footer a:focus-visible,footer button:focus-visible{outline-color:#fff}
.hero .lead-box a:focus-visible,.hero .lead-box button:focus-visible,.hero .lead-box input:focus-visible{outline-color:#0f67b2}
.footer-disclosure p{margin:0 0 10px}
.hero p a:not(.btn),.hero .lead a:not(.btn){color:#fff;text-decoration:underline}

/* Content build-out: worksheet tables, phase labels, hypothetical-example tags and FAQ blocks. */
.table-scroll{overflow-x:auto;margin:18px 0 26px}
.table-scroll table,.article .table-scroll table{margin:0}
.worksheet caption,.article table caption{caption-side:top;text-align:left;font-weight:800;color:var(--navy);padding:0 0 8px}
.worksheet td.fill{min-width:6.5em;height:2.6em}
.worksheet td.fill-wide{min-width:14em;height:2.6em}
.example-tag{display:inline-block;font-size:.72rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase;background:#fff8e9;border:1px solid #d59c39;color:#6b4a0f;border-radius:6px;padding:1px 8px;margin-right:6px;vertical-align:middle}
.phase{font-size:.8rem;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:var(--blue-2);margin:30px 0 4px}
.faq h3{font-size:1.15rem;margin-top:26px}
.checkbox-list li strong{color:var(--navy)}
@media print{.table-scroll{overflow:visible}.article table,.worksheet{font-size:.78rem}.article tr,.article td,.article th{break-inside:avoid}.article thead{display:table-header-group}.article h2,.article h3,.phase{break-after:avoid}.print-sheet h1{font-size:2rem}.article h2{font-size:1.45rem;margin-top:28px}.example-tag{border-color:#000;color:#000;background:#fff}.print-sheet .checkbox-list li{padding:6px 0 6px 30px}.print-sheet .checkbox-list li:before{top:8px}.print-sheet .callout{padding:18px 22px}.worksheet td.fill,.worksheet td.fill-wide{height:2em}.article th,.article td{padding:7px 9px}}
/* Daily market commentary (market-commentary/ pages generated by scripts/market_bot.py). */
.mc-meta{display:flex;flex-wrap:wrap;gap:8px 18px;font-size:.88rem;color:var(--muted);border-bottom:1px solid var(--line);padding-bottom:14px;margin-bottom:22px}
.mc-meta strong{color:var(--navy)}
.mc-meta a{font-weight:800}
.mc-headline{margin-top:6px}
.mc-brief{background:var(--ice);border-radius:12px;padding:16px 18px}
.mc-table th[scope=row]{background:#fff;font-weight:700}
.mc-note{display:block;font-weight:400;font-size:.8rem;color:var(--muted)}
.mc-table .mc-num{text-align:right;font-variant-numeric:tabular-nums;white-space:nowrap}
.mc-table .mc-src{white-space:nowrap;text-align:center}
.mc-up{color:#17663a;font-weight:800}
.mc-down{color:#a3261b;font-weight:800}
.mc-story{border-top:1px solid var(--line);margin-top:22px}
.mc-story h3{margin-top:18px}
.mc-why{background:var(--ice);border-left:4px solid var(--blue);border-radius:8px;padding:12px 16px;margin:12px 0}
.mc-why p{margin:0}
.mc-cite,.mc-related{margin:6px 0}
.mc-questions li{margin:8px 0}
.mc-sources li{margin:6px 0;overflow-wrap:anywhere}
.mc-disclaimer{margin-top:30px}
.mc-disclaimer p{font-size:.9rem;margin:.4rem 0}
.mc-archive{list-style:none;padding:0;margin:12px 0 24px}
.mc-archive li{display:flex;flex-wrap:wrap;gap:4px 14px;padding:10px 0;border-bottom:1px solid var(--line)}
.mc-archive a{font-weight:800;min-width:16em}
.mc-archive-headline{color:var(--muted)}
.mc-recent{padding-top:0}
@media(max-width:720px){.mc-meta{font-size:.82rem}.mc-archive a{min-width:0}.article .mc-table{font-size:.78rem}.mc-table th,.mc-table td{padding:7px 6px}.mc-table .mc-num{white-space:normal}.mc-note{font-size:.72rem}}
@media print{.mc-hero .btn-row,.mc-recent{display:none}.mc-why,.mc-brief{background:#fff;border-left-color:#000}}

/* Primary nav (2026-10-08, 8 links incl. About): labels never wrap. The header
   row gets a wider 1360px container; the Assessment button hides below 1366px
   and the links collapse to the Menu button below 1240px instead of wrapping. */
.site-header .container,.topbar .container{width:min(calc(100% - 40px),1360px)}
.nav{gap:18px}.brand{min-width:0;flex:0 0 auto}
.nav-links{gap:14px;font-size:.87rem;flex-wrap:nowrap;white-space:nowrap}.nav-links a{white-space:nowrap}
.nav-actions{flex:0 0 auto}.nav-actions .btn{padding:10px 16px;font-size:.88rem;white-space:nowrap}
@media(max-width:1365px){.nav-actions .btn-secondary{display:none}}
@media(max-width:1239px){.nav-links{display:none}.nav-toggle{display:block;order:3;margin-left:auto}.nav-actions{order:4}.nav.open .nav-links{display:flex;position:absolute;left:0;right:0;top:78px;background:#fff;flex-direction:column;align-items:flex-start;gap:14px;font-size:.95rem;padding:20px 26px;border-bottom:1px solid var(--line);box-shadow:var(--shadow)}}
@media(max-width:720px){.nav.open .nav-links{top:68px}}

/* Income strategy guide campaign: strategy preview cards, comparison table and annuity list. */
.strategy-grid{margin-top:30px}.strategy-card{display:flex;flex-direction:column}.strategy-card .badge{align-self:flex-start;margin-bottom:14px}.strategy-card h3{margin-bottom:10px}.strategy-num{color:var(--blue-2)}.strategy-card p{margin:0 0 12px}.strategy-tradeoff{margin-top:auto!important;margin-bottom:0!important;padding:12px 14px;border-left:3px solid #d59c39;background:#fff8e9;border-radius:6px;font-size:.93rem}
.strategy-tools{margin-top:26px;padding:26px 30px}.strategy-tools h3{margin-bottom:8px}.strategy-tools p{margin:0}
.strategy-compare>.eyebrow+h2{margin-top:0}.strategy-compare th[scope=row]{min-width:150px}.annuity-list{padding-left:20px}.annuity-list li{margin:10px 0}.strategy-compare .warning{margin:18px 0}
@media(max-width:720px){.strategy-tools{padding:22px}.strategy-compare th[scope=row]{min-width:120px}}
@media print{.strategy-tradeoff{background:#fff;border-left-color:#000}}

/* Compact, inviting heroes (2026-10-08): smaller headline, tighter padding,
   two-column title/summary layout on desktop, "On this page" cards that
   overlap the bottom of the hero, and a scroll cue. Content is fully visible
   without JavaScript; motion is skipped for prefers-reduced-motion. */
.hero{padding:46px 0 52px}
.hero h1{font-size:clamp(2rem,1.25rem + 2.1vw,3rem);line-height:1.08;max-width:none;margin-bottom:14px;text-wrap:balance}
.hero .lead{font-size:clamp(1rem,.94rem + .32vw,1.14rem);line-height:1.58;margin:0}
.hero .eyebrow{margin-bottom:12px}
.hero .btn-row{margin-top:20px;gap:10px}.hero .btn-row .btn{padding:12px 17px}
.hero:after{width:620px;height:620px;top:-330px;right:-210px}
.hero-grid{gap:44px}.hero-card{padding:24px}.hero-card li{margin:6px 0}
.hero .lead-box{padding:24px}
@media(min-width:1140px){
  .hero>.container:not(.hero-grid){display:grid;grid-template-columns:minmax(0,1.18fr) minmax(0,.82fr);grid-template-rows:auto auto auto 1fr;column-gap:56px;align-items:start;position:relative;z-index:1}
  .hero>.container:not(.hero-grid)>*{grid-column:2}
  .hero>.container:not(.hero-grid)>.eyebrow{grid-column:1/-1;grid-row:1}
  .hero>.container:not(.hero-grid)>h1{grid-column:1;grid-row:2/5;margin:0}
  .hero>.container:not(.hero-grid)>.lead{grid-row:2;padding-top:6px;border-left:2px solid rgba(117,206,240,.45);padding-left:22px}
  .hero>.container:not(.hero-grid)>.btn-row{grid-row:3;padding-left:24px}
  .hero>.container:not(.hero-grid)>:not(.eyebrow):not(h1):not(.lead):not(.btn-row){grid-row:4;padding-left:24px}
}
@media(min-width:1001px){.hero-grid h1{font-size:clamp(2.2rem,1.4rem + 2vw,3.2rem)}}
.hero.has-jump{padding-bottom:110px}
[id]{scroll-margin-top:96px}

/* "On this page" quick-link cards built by scripts/build_page_jumps.py. */
.page-jump{position:relative;z-index:2;margin-top:-92px;margin-bottom:8px}
.page-jump-head{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:34px;margin-bottom:12px;color:#d5e5ee;font-size:.8rem;font-weight:800;letter-spacing:.11em;text-transform:uppercase}
.pj-kicker{color:#75cef0}
.scroll-cue{display:inline-flex;align-items:center;gap:10px;color:#e3f3fa;letter-spacing:.08em}
.scroll-cue:hover{color:#fff}
.scroll-chevron{width:26px;height:26px;border:1px solid rgba(255,255,255,.45);border-radius:50%;position:relative;flex:0 0 auto}
.scroll-chevron:before{content:"";position:absolute;left:50%;top:44%;width:7px;height:7px;border-right:2px solid currentColor;border-bottom:2px solid currentColor;transform:translate(-50%,-50%) rotate(45deg)}
.page-jump-grid{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:16px}
.page-jump-grid.pj-count-3{grid-template-columns:repeat(3,minmax(0,1fr))}
.page-jump-grid.pj-count-2{grid-template-columns:repeat(2,minmax(0,1fr))}
.page-jump-grid.pj-count-5{grid-template-columns:repeat(5,minmax(0,1fr))}
.page-jump-grid a{display:grid;grid-template-columns:auto 1fr;grid-template-rows:auto 1fr auto;column-gap:12px;height:100%;background:#fff;border:1px solid var(--line);border-radius:16px;padding:16px 18px 14px;color:var(--ink);box-shadow:0 14px 34px rgba(0,29,75,.16);transition:transform .2s ease,box-shadow .2s ease,border-color .2s ease}
.page-jump-grid a:hover{text-decoration:none;transform:translateY(-3px);box-shadow:0 20px 44px rgba(0,29,75,.2);border-color:#9fd3ea}
.page-jump-grid a:focus-visible{outline:3px solid #0f67b2;outline-offset:3px}
.pj-num{grid-row:1/4;align-self:start;font-weight:900;font-size:.82rem;color:#fff;background:var(--blue-2);border-radius:9px;padding:4px 7px;line-height:1.2;font-variant-numeric:tabular-nums}
.pj-label{grid-column:2;font-size:.7rem;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:var(--blue-2);line-height:1.3;margin-bottom:4px}
.pj-title{grid-column:2;font-weight:780;font-size:.96rem;line-height:1.32;color:var(--navy);display:-webkit-box;-webkit-line-clamp:4;-webkit-box-orient:vertical;overflow:hidden}
.pj-arrow{grid-column:2;justify-self:end;align-self:end;color:var(--blue-2);font-weight:900;margin-top:6px;transition:transform .2s ease}
.page-jump-grid a:hover .pj-arrow{transform:translateX(4px)}
.page-jump+.section{padding-top:56px}
.mc-hero+.section{padding-top:48px}
/* Article trust line and quick answer (previously unstyled, so the items ran together). */
.content-meta{display:flex;flex-wrap:wrap;gap:4px 18px;font-size:.86rem;color:var(--muted);border-bottom:1px solid var(--line);padding-bottom:14px;margin-bottom:24px}.content-meta a{font-weight:700}
.quick-answer{background:var(--ice);border-left:4px solid var(--blue);border-radius:10px;padding:16px 20px}
.content-review-strip{padding:20px 0 0;font-size:.86rem;color:var(--muted)}.content-review-strip .container{display:flex;flex-wrap:wrap;align-items:baseline;gap:4px 12px}.content-review-strip strong{color:var(--navy)}.content-review-strip a{font-weight:700}
.content-review-strip+.section{padding-top:56px}
@media(prefers-reduced-motion:no-preference){
  .scroll-chevron{animation:pj-bob 2.2s ease-in-out infinite}
  .page-jump-grid li{animation:pj-rise .55s cubic-bezier(.2,.7,.2,1) both}
  .page-jump-grid li:nth-child(2){animation-delay:.07s}.page-jump-grid li:nth-child(3){animation-delay:.14s}.page-jump-grid li:nth-child(4){animation-delay:.21s}
  .js-reveal .reveal{opacity:0;transform:translateY(18px);transition:opacity .6s ease,transform .6s cubic-bezier(.2,.7,.2,1)}
  .js-reveal .reveal.is-visible{opacity:1;transform:none}
}
@keyframes pj-bob{0%,100%{transform:translateY(0)}50%{transform:translateY(5px)}}
@keyframes pj-rise{from{opacity:0;transform:translateY(16px)}to{opacity:1;transform:none}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.page-jump-grid a,.pj-arrow,.btn{transition:none}}
@media(max-width:1000px){
  .page-jump-grid,.page-jump-grid.pj-count-3,.page-jump-grid.pj-count-5{grid-template-columns:repeat(2,minmax(0,1fr))}
}
@media(max-width:720px){
  .hero{padding:36px 0 40px}
  .hero.has-jump{padding-bottom:104px}
  .hero-grid>.hero-card{display:none}
  .hero .btn-row{margin-top:18px;gap:10px}.hero .btn-row .btn{padding:11px 16px;font-size:.9rem}
  .page-jump{margin-top:-86px}
  .page-jump-head{font-size:.72rem;margin-bottom:10px}
  .page-jump-grid,.page-jump-grid.pj-count-2,.page-jump-grid.pj-count-3,.page-jump-grid.pj-count-5{display:flex;overflow-x:auto;scroll-snap-type:x mandatory;scroll-padding-inline:18px;gap:12px;padding:0 18px 14px;margin:0 -18px;scrollbar-width:none}
  .page-jump-grid::-webkit-scrollbar{display:none}
  .page-jump-grid li{flex:0 0 78%;scroll-snap-align:start}
  .page-jump-grid a{padding:14px 16px 12px}
  .page-jump+.section,.content-review-strip+.section{padding-top:40px}
}
@media print{.js-reveal .reveal{opacity:1!important;transform:none!important}.page-jump,.scroll-cue{display:none!important}.hero.has-jump{padding-bottom:56px}}
/* Section sub-navigation (sub-tabs), baked in by scripts/apply_includes.py (SECTIONS). */
.subnav{background:#fff;border-bottom:1px solid var(--line);box-shadow:0 6px 18px rgba(0,29,75,.04)}
.subnav .container{display:flex;align-items:center;gap:16px;min-height:54px;overflow-x:auto;scrollbar-width:thin}
.subnav-title{flex:0 0 auto;font-size:.7rem;font-weight:800;letter-spacing:.11em;text-transform:uppercase;color:var(--blue-2);padding-right:16px;border-right:1px solid var(--line);line-height:1.9}
.subnav ul{list-style:none;display:flex;gap:4px;margin:0;padding:0}
.subnav a{display:block;padding:7px 10px;border-radius:999px;font-size:.86rem;font-weight:700;color:var(--navy);white-space:nowrap;transition:background-color .15s ease,color .15s ease}
.subnav a:hover{background:var(--sky);text-decoration:none}
.subnav a.is-current{background:var(--navy);color:#fff}
.subnav a.is-current[aria-current="true"]{background:var(--sky);color:var(--navy);box-shadow:inset 0 0 0 1.5px var(--navy)}
.subnav a:focus-visible{outline:3px solid #0f67b2;outline-offset:2px}
/* Resources hub (resources.html) and sub-pages (resources/*.html). */
.resource-group{padding:56px 0 8px;scroll-margin-top:96px}
.resource-group+.editorial-review{padding-top:56px}
.resource-group-head{display:flex;align-items:baseline;justify-content:space-between;gap:8px 24px;flex-wrap:wrap;border-top:1px solid var(--line);padding-top:22px;margin-bottom:22px}
#start .resource-group-head{border-top:0;padding-top:0}
.resource-group-head h2{margin:0;font-size:clamp(1.35rem,1.1rem + .8vw,1.75rem)}
.resource-group-head p{margin:0;color:var(--muted)}
.pj-meta{grid-column:2;margin-top:8px;font-size:.78rem;font-weight:800;color:var(--muted)}
.res-topics+.resource-group{padding-top:64px}
.res-sub{padding-top:48px}.res-sub .resource-group-head{border-top:0;padding-top:0}
.res-sub .resource-card{display:flex;flex-direction:column}.res-sub .resource-card .badge{align-self:flex-start}.res-sub .resource-card .card-link{margin-top:auto;padding-top:8px}
.res-others{padding:40px 0 8px}
.res-others-title{font-size:.8rem;font-weight:800;letter-spacing:.11em;text-transform:uppercase;color:var(--blue-2);margin:0 0 14px}
.res-others-list{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:12px}
.res-others-list a{display:flex;flex-direction:column;gap:4px;height:100%;background:var(--ice);border:1px solid var(--line);border-radius:14px;padding:14px 16px;color:var(--navy);transition:border-color .2s ease,box-shadow .2s ease,transform .2s ease}
.res-others-list a:hover{text-decoration:none;border-color:#9fd3ea;box-shadow:0 10px 26px rgba(0,29,75,.1);transform:translateY(-2px)}
.res-other-name{font-weight:780;line-height:1.3}.res-other-meta{font-size:.78rem;font-weight:700;color:var(--muted)}
@media(max-width:1000px){.res-others-list{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:720px){.res-topics .page-jump-grid{display:grid;grid-template-columns:1fr;overflow:visible;padding:0;margin:0;gap:10px}.res-others-list{grid-template-columns:1fr}}
@media print{.res-others{display:none!important}}
/* Business planning hub (businesses.html) and sub-pages (businesses/*.html). */
.biz-topics h2.pj-kicker{font:inherit;letter-spacing:inherit;margin:0;color:#75cef0}
.biz-topics .page-jump-grid li:nth-child(n+5){animation-delay:.28s}
.biz-topics+.section{padding-top:64px}
.biz-section-head{display:flex;align-items:flex-end;justify-content:space-between;gap:24px;flex-wrap:wrap}
.biz-section-head h2{margin-bottom:0}
.biz-steps{list-style:none;padding:0;margin:28px 0 0;display:grid;grid-template-columns:repeat(6,minmax(0,1fr));gap:14px;counter-reset:bizstep}
.biz-steps li{position:relative;background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px 16px 16px;box-shadow:0 8px 22px rgba(0,29,75,.06)}
.biz-steps li:before{counter-increment:bizstep;content:counter(bizstep);display:grid;place-items:center;width:28px;height:28px;border-radius:50%;background:var(--navy);color:#fff;font-weight:900;font-size:.82rem;margin-bottom:10px}
.biz-steps strong{display:block;color:var(--navy);font-size:.95rem;line-height:1.3;margin-bottom:4px}
.biz-steps span{display:block;font-size:.86rem;line-height:1.45;color:var(--muted)}
.biz-cta{display:flex;align-items:center;justify-content:space-between;gap:20px 32px;flex-wrap:wrap}
.biz-cta>div:first-child{flex:1 1 420px}.biz-cta h2{color:#fff;margin:0 0 8px;font-size:clamp(1.4rem,1.1rem + 1vw,1.9rem)}.biz-cta p{margin:0}.biz-cta .eyebrow{color:#75cef0;margin-bottom:8px}.biz-cta .btn-row{margin:0}
.biz-cta .btn-ghost{color:#fff;border-color:rgba(255,255,255,.5)}
.biz-pager{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-top:22px}
.biz-pager a{display:flex;flex-direction:column;gap:4px;background:#fff;border:1px solid var(--line);border-radius:14px;padding:14px 18px;color:var(--navy);transition:border-color .2s ease,box-shadow .2s ease}
.biz-pager a:hover{text-decoration:none;border-color:#9fd3ea;box-shadow:0 10px 26px rgba(0,29,75,.1)}
.biz-pager-next{text-align:right}
.biz-pager-dir{font-size:.72rem;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:var(--blue-2)}
.biz-pager-name{font-weight:780}
.biz-next{padding-bottom:24px}
@media(max-width:1000px){.biz-steps{grid-template-columns:repeat(3,minmax(0,1fr))}}
@media(max-width:720px){
  .biz-topics .page-jump-grid{display:grid;grid-template-columns:1fr;overflow:visible;padding:0;margin:0;gap:10px}
  .biz-topics .page-jump-grid a{padding:12px 14px}
  .biz-topics .pj-title{-webkit-line-clamp:3}
  .biz-steps{grid-template-columns:1fr;gap:10px}
  .biz-steps li{display:grid;grid-template-columns:auto 1fr;column-gap:12px;padding:14px}
  .biz-steps li:before{grid-row:1/3;margin:0}
  .biz-pager{grid-template-columns:1fr}.biz-pager-next{text-align:left}
}
@media(max-width:720px){.subnav .container{min-height:48px;gap:10px}.subnav-title{display:none}.resource-group{padding-top:40px}.resource-group-head{display:block}.resource-group-head p{margin-top:4px}}
@media print{.subnav,.biz-next{display:none!important}}
/* Advisor headshot (about, home, schedule, contact). */
.advisor-photo{display:block;flex:0 0 auto}.advisor-photo img{display:block;width:100%;height:auto;aspect-ratio:1/1;object-fit:cover;background:#e6eaee}
.advisor-head{display:flex;align-items:center;gap:28px;margin-bottom:18px}.advisor-head h2{margin-bottom:0}
.advisor-photo-lg{width:190px}.advisor-head h2{font-size:clamp(1.6rem,1.2rem + 1.1vw,2.15rem)}.advisor-photo-lg img{border-radius:22px;box-shadow:0 18px 40px rgba(0,29,75,.18)}
.advisor-photo-sm img{border-radius:50%;box-shadow:0 6px 16px rgba(0,29,75,.16)}
.advisor-chip{display:flex;align-items:center;gap:16px;margin:22px 0;padding:12px 18px 12px 12px;background:#fff;border:1px solid var(--line);border-radius:999px;color:var(--ink);max-width:560px;transition:border-color .2s ease,box-shadow .2s ease}
.advisor-chip:hover{text-decoration:none;border-color:#9fd3ea;box-shadow:0 10px 26px rgba(0,29,75,.1)}
.advisor-chip .advisor-photo-sm{width:88px}
.advisor-chip-text,.advisor-card>div{display:flex;flex-direction:column;gap:2px}
.advisor-chip-kicker,.advisor-card-kicker{font-size:.72rem;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:var(--blue-2);margin:0}
.advisor-chip-name,.advisor-card-name{font-weight:800;font-size:1.12rem;color:var(--navy);margin:0}
.advisor-chip-meta,.advisor-card-meta{font-size:.86rem;color:var(--muted);margin:0}
.advisor-card{display:flex;align-items:center;gap:16px;margin:22px 0;padding:16px 18px;background:#fff;border:1px solid var(--line);border-radius:18px;box-shadow:0 8px 22px rgba(0,29,75,.06)}
.advisor-card .advisor-photo-sm{width:72px}.advisor-card .card-link{margin-top:4px;font-size:.9rem}
@media(max-width:720px){.advisor-head{flex-direction:column;align-items:flex-start;gap:16px}.advisor-photo-lg{width:150px}.advisor-chip{border-radius:18px}.advisor-chip .advisor-photo-sm{width:72px}}
.advisor-role{margin:6px 0 0;font-weight:700;color:var(--blue-2)}.advisor-lang{background:var(--ice);border-left:4px solid var(--blue);border-radius:10px;padding:12px 16px}.advisor-links{margin-top:14px}
/* Photo heroes and brand photos (images from strongtoweradvisors.com, assets/img/live/). */
.hero.has-photo{background-color:#001d4b;background-size:cover;background-position:center}
.hero.has-photo:after{display:none}
.hero.has-photo .lead{color:#eef4fb}
.btn,.nav-links,.pj-label,.eyebrow,.subnav a{font-family:var(--font-head)}
.btn{font-weight:600}.nav-links{font-weight:500}
.photo-frame{display:block;border-radius:22px;overflow:hidden;box-shadow:var(--shadow)}.photo-frame img{width:100%;height:100%;object-fit:cover}
.photo-split{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:48px;align-items:center}
.svc-icon{width:56px;height:56px;border-radius:16px;background:linear-gradient(135deg,#003a96,#1397d4);display:grid;place-items:center;margin-bottom:14px}.svc-icon img{width:34px;height:34px}
.svc-card{display:flex;flex-direction:column}.login-logo{height:40px;display:flex;align-items:center;margin-bottom:14px}.login-logo img{height:40px;width:auto;max-width:100%;object-fit:contain}.trademark-note{margin-top:12px;color:var(--muted,#4a5568)}.svc-card .card-link{margin-top:auto;padding-top:10px}
.svc-list{columns:2;column-gap:32px;padding-left:1.1rem}.svc-list li{break-inside:avoid;margin:4px 0}
.process-steps{list-style:none;padding:0;margin:28px 0 0;display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:14px;counter-reset:pstep}
.process-steps li{background:#fff;border:1px solid var(--line);border-radius:16px;padding:18px 16px;box-shadow:0 8px 22px rgba(0,29,75,.06)}
.process-steps li:before{counter-increment:pstep;content:counter(pstep);display:grid;place-items:center;width:30px;height:30px;border-radius:50%;background:var(--blue-2);color:#fff;font-weight:700;font-size:.85rem;margin-bottom:10px;font-family:var(--font-head)}
.process-steps .step-name{display:block;font-family:var(--font-head);font-weight:600;color:var(--navy);line-height:1.3;margin-bottom:6px}
.process-steps .step-text{display:block;font-size:.9rem;color:var(--muted);line-height:1.5}
.process-detail{list-style:none;padding:0;margin:0;counter-reset:pd}
.process-detail>li{position:relative;padding:0 0 34px 72px}.process-detail>li:before{counter-increment:pd;content:counter(pd);position:absolute;left:0;top:0;width:48px;height:48px;border-radius:50%;background:linear-gradient(135deg,#003a96,#1397d4);color:#fff;display:grid;place-items:center;font:700 1.1rem var(--font-head)}
.process-detail>li:after{content:"";position:absolute;left:23px;top:54px;bottom:6px;width:2px;background:var(--line)}.process-detail>li:last-child:after{display:none}
.process-detail h2{font-size:clamp(1.35rem,1.1rem + .8vw,1.8rem);margin-bottom:8px}
.testimonials{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}
.testimonial{margin:0;background:#fff;border:1px solid var(--line);border-radius:18px;padding:24px;box-shadow:0 8px 22px rgba(0,29,75,.06);display:flex;flex-direction:column}
.testimonial blockquote{margin:0 0 14px;font-size:1rem;line-height:1.6;color:var(--ink)}.testimonial blockquote:before{content:"“";display:block;font:700 2.6rem/1 var(--font-head);color:var(--blue)}
.testimonial figcaption{margin-top:auto;font-weight:700;color:var(--navy)}.testimonial figcaption span{display:block;font-weight:400;font-size:.84rem;color:var(--muted)}
.testimonial-disclosure{margin-top:18px;font-size:.86rem;color:var(--muted)}
.social-links{display:flex;flex-wrap:wrap;gap:8px 16px}
.footer-logo{width:120px;height:auto;margin-bottom:12px}
@media(max-width:1000px){.process-steps{grid-template-columns:repeat(2,minmax(0,1fr))}.testimonials{grid-template-columns:1fr}.photo-split{grid-template-columns:1fr;gap:28px}}
@media(max-width:720px){.process-steps{grid-template-columns:1fr}.svc-list{columns:1}.process-detail>li{padding-left:62px}}
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@media(max-width:720px){.hero-photo-about-hero{background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),url(/assets/img/live/about-hero-800.jpg);background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),image-set(url(/assets/img/live/about-hero-800.webp) type("image/webp"),url(/assets/img/live/about-hero-800.jpg) type("image/jpeg"))}}
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@media(max-width:720px){.hero-photo-business-colleagues{background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),url(/assets/img/live/business-colleagues-600.jpg);background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),image-set(url(/assets/img/live/business-colleagues-600.webp) type("image/webp"),url(/assets/img/live/business-colleagues-600.jpg) type("image/jpeg"))}}
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@media(max-width:720px){.hero-photo-business-team{background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),url(/assets/img/live/business-team-800.jpg);background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),image-set(url(/assets/img/live/business-team-800.webp) type("image/webp"),url(/assets/img/live/business-team-800.jpg) type("image/jpeg"))}}
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@media(max-width:720px){.hero-photo-contract-signing{background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),url(/assets/img/live/contract-signing-600.jpg);background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),image-set(url(/assets/img/live/contract-signing-600.webp) type("image/webp"),url(/assets/img/live/contract-signing-600.jpg) type("image/jpeg"))}}
.hero-photo-couple-advisor{background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),url(/assets/img/live/couple-advisor.jpg);background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),image-set(url(/assets/img/live/couple-advisor.webp) type("image/webp"),url(/assets/img/live/couple-advisor.jpg) type("image/jpeg"))}
@media(max-width:720px){.hero-photo-couple-advisor{background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),url(/assets/img/live/couple-advisor-600.jpg);background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),image-set(url(/assets/img/live/couple-advisor-600.webp) type("image/webp"),url(/assets/img/live/couple-advisor-600.jpg) type("image/jpeg"))}}
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@media(max-width:720px){.hero-photo-couple-bikes{background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),url(/assets/img/live/couple-bikes-800.jpg);background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),image-set(url(/assets/img/live/couple-bikes-800.webp) type("image/webp"),url(/assets/img/live/couple-bikes-800.jpg) type("image/jpeg"))}}
.hero-photo-couple-planning{background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),url(/assets/img/live/couple-planning.jpg);background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),image-set(url(/assets/img/live/couple-planning.webp) type("image/webp"),url(/assets/img/live/couple-planning.jpg) type("image/jpeg"))}
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@media(max-width:720px){.hero-photo-desk-handshake{background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),url(/assets/img/live/desk-handshake-600.jpg);background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),image-set(url(/assets/img/live/desk-handshake-600.webp) type("image/webp"),url(/assets/img/live/desk-handshake-600.jpg) type("image/jpeg"))}}
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@media(max-width:720px){.hero-photo-eddie-brick{background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),url(/assets/img/live/eddie-brick-600.jpg);background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),image-set(url(/assets/img/live/eddie-brick-600.webp) type("image/webp"),url(/assets/img/live/eddie-brick-600.jpg) type("image/jpeg"))}}
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@media(max-width:720px){.hero-photo-family-laptop{background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),url(/assets/img/live/family-laptop-600.jpg);background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),image-set(url(/assets/img/live/family-laptop-600.webp) type("image/webp"),url(/assets/img/live/family-laptop-600.jpg) type("image/jpeg"))}}
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@media(max-width:720px){.hero-photo-group-meeting{background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),url(/assets/img/live/group-meeting-600.jpg);background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),image-set(url(/assets/img/live/group-meeting-600.webp) type("image/webp"),url(/assets/img/live/group-meeting-600.jpg) type("image/jpeg"))}}
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@media(max-width:720px){.hero-photo-laptop-charts{background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),url(/assets/img/live/laptop-charts-800.jpg);background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),image-set(url(/assets/img/live/laptop-charts-800.webp) type("image/webp"),url(/assets/img/live/laptop-charts-800.jpg) type("image/jpeg"))}}
.hero-photo-lighthouse-sunset{background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),url(/assets/img/live/lighthouse-sunset.jpg);background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),image-set(url(/assets/img/live/lighthouse-sunset.webp) type("image/webp"),url(/assets/img/live/lighthouse-sunset.jpg) type("image/jpeg"))}
@media(max-width:720px){.hero-photo-lighthouse-sunset{background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),url(/assets/img/live/lighthouse-sunset-800.jpg);background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),image-set(url(/assets/img/live/lighthouse-sunset-800.webp) type("image/webp"),url(/assets/img/live/lighthouse-sunset-800.jpg) type("image/jpeg"))}}
.hero-photo-lighthouse-water{background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),url(/assets/img/live/lighthouse-water.jpg);background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),image-set(url(/assets/img/live/lighthouse-water.webp) type("image/webp"),url(/assets/img/live/lighthouse-water.jpg) type("image/jpeg"))}
@media(max-width:720px){.hero-photo-lighthouse-water{background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),url(/assets/img/live/lighthouse-water-800.jpg);background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),image-set(url(/assets/img/live/lighthouse-water-800.webp) type("image/webp"),url(/assets/img/live/lighthouse-water-800.jpg) type("image/jpeg"))}}
.hero-photo-medical-team{background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),url(/assets/img/live/medical-team.jpg);background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),image-set(url(/assets/img/live/medical-team.webp) type("image/webp"),url(/assets/img/live/medical-team.jpg) type("image/jpeg"))}
@media(max-width:720px){.hero-photo-medical-team{background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),url(/assets/img/live/medical-team-800.jpg);background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),image-set(url(/assets/img/live/medical-team-800.webp) type("image/webp"),url(/assets/img/live/medical-team-800.jpg) type("image/jpeg"))}}
.hero-photo-office-meeting{background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),url(/assets/img/live/office-meeting.jpg);background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),image-set(url(/assets/img/live/office-meeting.webp) type("image/webp"),url(/assets/img/live/office-meeting.jpg) type("image/jpeg"))}
@media(max-width:720px){.hero-photo-office-meeting{background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),url(/assets/img/live/office-meeting-600.jpg);background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),image-set(url(/assets/img/live/office-meeting-600.webp) type("image/webp"),url(/assets/img/live/office-meeting-600.jpg) type("image/jpeg"))}}
.hero-photo-seniors-kitchen{background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),url(/assets/img/live/seniors-kitchen.jpg);background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),image-set(url(/assets/img/live/seniors-kitchen.webp) type("image/webp"),url(/assets/img/live/seniors-kitchen.jpg) type("image/jpeg"))}
@media(max-width:720px){.hero-photo-seniors-kitchen{background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),url(/assets/img/live/seniors-kitchen-800.jpg);background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),image-set(url(/assets/img/live/seniors-kitchen-800.webp) type("image/webp"),url(/assets/img/live/seniors-kitchen-800.jpg) type("image/jpeg"))}}
.hero-photo-valdes-family{background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),url(/assets/img/live/valdes-family.jpg);background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),image-set(url(/assets/img/live/valdes-family.webp) type("image/webp"),url(/assets/img/live/valdes-family.jpg) type("image/jpeg"))}
@media(max-width:720px){.hero-photo-valdes-family{background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),url(/assets/img/live/valdes-family-800.jpg);background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),image-set(url(/assets/img/live/valdes-family-800.webp) type("image/webp"),url(/assets/img/live/valdes-family-800.jpg) type("image/jpeg"))}}
.hero-photo-women-meeting{background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),url(/assets/img/live/women-meeting.jpg);background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),image-set(url(/assets/img/live/women-meeting.webp) type("image/webp"),url(/assets/img/live/women-meeting.jpg) type("image/jpeg"))}
@media(max-width:720px){.hero-photo-women-meeting{background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),url(/assets/img/live/women-meeting-800.jpg);background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),image-set(url(/assets/img/live/women-meeting-800.webp) type("image/webp"),url(/assets/img/live/women-meeting-800.jpg) type("image/jpeg"))}}
.grid-2 .process-steps{grid-template-columns:1fr;gap:10px}.grid-2 .process-steps li{display:grid;grid-template-columns:auto 1fr;column-gap:14px;padding:14px 16px}.grid-2 .process-steps li:before{grid-row:1/3;margin:0}
.hero.has-photo .hero-card{background:rgba(0,29,75,.55)}
/* 9-link primary nav (Services added) with Poppins: tighter links, later hamburger, secondary CTA only on wide screens */
@media(min-width:1300px){.nav-links{gap:12px;font-size:.83rem}}
@media(max-width:1499px){.nav-actions .btn-secondary{display:none}}
@media(max-width:1299px){.nav-links{display:none}.nav-toggle{display:block;order:3;margin-left:auto}.nav-actions{order:4}.nav.open .nav-links{display:flex;position:absolute;left:0;right:0;top:78px;background:#fff;flex-direction:column;align-items:flex-start;gap:14px;font-size:.95rem;padding:20px 26px;border-bottom:1px solid var(--line);box-shadow:var(--shadow)}}
@media(max-width:720px){.nav.open .nav-links{top:68px}}
.hero-card li a{color:#fff;text-decoration:underline;text-underline-offset:3px}.hero-card li a:hover{color:#cfe6ff}.hero-card li::marker{color:#9fd3f2}
/* AI-generated photos (assets/img/generated): review before public launch */
.hero-photo-gen-business-employees{background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),url(/assets/img/generated/gen-business-employees.jpg);background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),image-set(url(/assets/img/generated/gen-business-employees.webp) type("image/webp"),url(/assets/img/generated/gen-business-employees.jpg) type("image/jpeg"))}
@media(max-width:720px){.hero-photo-gen-business-employees{background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),url(/assets/img/generated/gen-business-employees-640.jpg);background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),image-set(url(/assets/img/generated/gen-business-employees-640.webp) type("image/webp"),url(/assets/img/generated/gen-business-employees-640.jpg) type("image/jpeg"))}}
.hero-photo-gen-legacy-family{background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),url(/assets/img/generated/gen-legacy-family.jpg);background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),image-set(url(/assets/img/generated/gen-legacy-family.webp) type("image/webp"),url(/assets/img/generated/gen-legacy-family.jpg) type("image/jpeg"))}
@media(max-width:720px){.hero-photo-gen-legacy-family{background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),url(/assets/img/generated/gen-legacy-family-640.jpg);background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),image-set(url(/assets/img/generated/gen-legacy-family-640.webp) type("image/webp"),url(/assets/img/generated/gen-legacy-family-640.jpg) type("image/jpeg"))}}
.hero-photo-gen-medicare{background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),url(/assets/img/generated/gen-medicare.jpg);background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),image-set(url(/assets/img/generated/gen-medicare.webp) type("image/webp"),url(/assets/img/generated/gen-medicare.jpg) type("image/jpeg"))}
@media(max-width:720px){.hero-photo-gen-medicare{background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),url(/assets/img/generated/gen-medicare-640.jpg);background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),image-set(url(/assets/img/generated/gen-medicare-640.webp) type("image/webp"),url(/assets/img/generated/gen-medicare-640.jpg) type("image/jpeg"))}}
.hero-photo-gen-notary{background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),url(/assets/img/generated/gen-notary.jpg);background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),image-set(url(/assets/img/generated/gen-notary.webp) type("image/webp"),url(/assets/img/generated/gen-notary.jpg) type("image/jpeg"))}
@media(max-width:720px){.hero-photo-gen-notary{background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),url(/assets/img/generated/gen-notary-640.jpg);background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),image-set(url(/assets/img/generated/gen-notary-640.webp) type("image/webp"),url(/assets/img/generated/gen-notary-640.jpg) type("image/jpeg"))}}
.hero-photo-gen-resources-desk{background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),url(/assets/img/generated/gen-resources-desk.jpg);background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),image-set(url(/assets/img/generated/gen-resources-desk.webp) type("image/webp"),url(/assets/img/generated/gen-resources-desk.jpg) type("image/jpeg"))}
@media(max-width:720px){.hero-photo-gen-resources-desk{background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),url(/assets/img/generated/gen-resources-desk-640.jpg);background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),image-set(url(/assets/img/generated/gen-resources-desk-640.webp) type("image/webp"),url(/assets/img/generated/gen-resources-desk-640.jpg) type("image/jpeg"))}}
.hero-photo-gen-retirement-income{background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),url(/assets/img/generated/gen-retirement-income.jpg);background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),image-set(url(/assets/img/generated/gen-retirement-income.webp) type("image/webp"),url(/assets/img/generated/gen-retirement-income.jpg) type("image/jpeg"))}
@media(max-width:720px){.hero-photo-gen-retirement-income{background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),url(/assets/img/generated/gen-retirement-income-640.jpg);background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),image-set(url(/assets/img/generated/gen-retirement-income-640.webp) type("image/webp"),url(/assets/img/generated/gen-retirement-income-640.jpg) type("image/jpeg"))}}
.hero-photo-gen-taxes{background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),url(/assets/img/generated/gen-taxes.jpg);background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),image-set(url(/assets/img/generated/gen-taxes.webp) type("image/webp"),url(/assets/img/generated/gen-taxes.jpg) type("image/jpeg"))}
@media(max-width:720px){.hero-photo-gen-taxes{background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),url(/assets/img/generated/gen-taxes-640.jpg);background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),image-set(url(/assets/img/generated/gen-taxes-640.webp) type("image/webp"),url(/assets/img/generated/gen-taxes-640.jpg) type("image/jpeg"))}}
.hero-photo-gen-young-family{background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),url(/assets/img/generated/gen-young-family.jpg);background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),image-set(url(/assets/img/generated/gen-young-family.webp) type("image/webp"),url(/assets/img/generated/gen-young-family.jpg) type("image/jpeg"))}
@media(max-width:720px){.hero-photo-gen-young-family{background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),url(/assets/img/generated/gen-young-family-640.jpg);background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),image-set(url(/assets/img/generated/gen-young-family-640.webp) type("image/webp"),url(/assets/img/generated/gen-young-family-640.jpg) type("image/jpeg"))}}
/* Eddie and family photos from strongtoweradvisors.com (640px phone variants) */
.hero-photo-eddie-studio{background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),url(/assets/img/live/eddie-studio.jpg);background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),image-set(url(/assets/img/live/eddie-studio.webp) type("image/webp"),url(/assets/img/live/eddie-studio.jpg) type("image/jpeg"));background-position:center 20%}
@media(max-width:720px){.hero-photo-eddie-studio{background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),url(/assets/img/live/eddie-studio-640.jpg);background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),image-set(url(/assets/img/live/eddie-studio-640.webp) type("image/webp"),url(/assets/img/live/eddie-studio-640.jpg) type("image/jpeg"))}}
.hero-photo-about-hero{background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),url(/assets/img/live/about-hero.jpg);background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),image-set(url(/assets/img/live/about-hero.webp) type("image/webp"),url(/assets/img/live/about-hero.jpg) type("image/jpeg"));background-position:center 30%}
@media(max-width:720px){.hero-photo-about-hero{background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),url(/assets/img/live/about-hero-640.jpg);background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),image-set(url(/assets/img/live/about-hero-640.webp) type("image/webp"),url(/assets/img/live/about-hero-640.jpg) type("image/jpeg"))}}
.hero-photo-valdes-family{background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),url(/assets/img/live/valdes-family.jpg);background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),image-set(url(/assets/img/live/valdes-family.webp) type("image/webp"),url(/assets/img/live/valdes-family.jpg) type("image/jpeg"));background-position:center 35%}
@media(max-width:720px){.hero-photo-valdes-family{background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),url(/assets/img/live/valdes-family-640.jpg);background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),image-set(url(/assets/img/live/valdes-family-640.webp) type("image/webp"),url(/assets/img/live/valdes-family-640.jpg) type("image/jpeg"))}}
.hero-photo-eddie-brick{background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),url(/assets/img/live/eddie-brick.jpg);background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),image-set(url(/assets/img/live/eddie-brick.webp) type("image/webp"),url(/assets/img/live/eddie-brick.jpg) type("image/jpeg"));background-position:right 30%}
@media(max-width:720px){.hero-photo-eddie-brick{background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),url(/assets/img/live/eddie-brick-640.jpg);background-image:linear-gradient(100deg,rgba(0,29,75,.94) 0%,rgba(0,58,150,.84) 48%,rgba(0,58,150,.45) 100%),image-set(url(/assets/img/live/eddie-brick-640.webp) type("image/webp"),url(/assets/img/live/eddie-brick-640.jpg) type("image/jpeg"))}}
.photo-split .testimonials{grid-template-columns:1fr}

/* Home hero: family clearly visible (Oct 9 2026). Dark band only behind the text on the left;
   photo sized to the hero height and pushed right so the family sits beside the text. */
.hero.hero-home-family{
  --hf-band:calc(50% + 20px);
  background-color:#001d4b;
  background-image:linear-gradient(0deg,rgba(0,29,75,.88) 0,rgba(0,29,75,.8) 100px,rgba(0,29,75,0) 200px),linear-gradient(90deg,#001d4b 0%,#001d4b calc(50% - 380px),rgba(0,29,75,.9) calc(50% - 200px),rgba(0,29,75,.9) calc(var(--hf-band) - 120px),rgba(0,29,75,.8) var(--hf-band),rgba(0,29,75,.14) calc(var(--hf-band) + 80px),rgba(0,29,75,0) calc(var(--hf-band) + 180px)),url(/assets/img/live/valdes-family.jpg);
  background-image:linear-gradient(0deg,rgba(0,29,75,.88) 0,rgba(0,29,75,.8) 100px,rgba(0,29,75,0) 200px),linear-gradient(90deg,#001d4b 0%,#001d4b calc(50% - 380px),rgba(0,29,75,.9) calc(50% - 200px),rgba(0,29,75,.9) calc(var(--hf-band) - 120px),rgba(0,29,75,.8) var(--hf-band),rgba(0,29,75,.14) calc(var(--hf-band) + 80px),rgba(0,29,75,0) calc(var(--hf-band) + 180px)),image-set(url(/assets/img/live/valdes-family.webp) type("image/webp"),url(/assets/img/live/valdes-family.jpg) type("image/jpeg"));
  background-size:100% 100%,100% 100%,auto 100%;background-repeat:no-repeat;
  background-position:0 0,0 0,calc(50vw - 390px) top}
.hero-home-family .hero-grid{grid-template-columns:minmax(0,600px) 1fr;row-gap:28px}
.hero-home-family h1,.hero-home-family .lead,.hero-home-family .eyebrow{text-shadow:0 1px 3px rgba(0,20,52,.55)}
.hero-home-family .hero-card{grid-column:1/-1;display:grid;grid-template-columns:auto 1fr auto;align-items:center;gap:6px 26px;padding:16px 22px;border-radius:18px;background:rgba(0,29,75,.74);border-color:rgba(255,255,255,.22)}
.hero-home-family .hero-card .eyebrow{margin:0;grid-column:1;grid-row:1}
.hero-home-family .hero-card .h3{grid-column:1;grid-row:2;font-size:1.05rem;margin:0}
.hero-home-family .hero-card ul{grid-column:2;grid-row:1/3;display:flex;flex-wrap:wrap;gap:4px 22px;margin:0;padding:0;list-style:none}
.hero-home-family .hero-card li{margin:0;font-size:.95rem}
.hero-home-family .hero-card .btn{grid-column:3;grid-row:1/3;padding:10px 18px;font-size:.92rem}
@media(max-width:1180px){.hero.hero-home-family{--hf-band:calc(20px + 620px);background-position:0 0,0 0,calc(100vw - 1080px) top}.hero-home-family .hero-card{grid-template-columns:1fr auto}.hero-home-family .hero-card ul{grid-column:1/-1;grid-row:3}.hero-home-family .hero-card .btn{grid-column:2;grid-row:1/3}}
@media(max-width:900px){.hero.hero-home-family{background-image:linear-gradient(90deg,rgba(0,29,75,.92),rgba(0,29,75,.82)),url(/assets/img/live/valdes-family-800.jpg);background-size:cover;background-position:center}.hero-home-family .hero-grid{grid-template-columns:1fr}}
/* Phones: photo on top (faces visible, no overlay), text on solid navy below. */
@media(max-width:720px){.hero.hero-home-family{padding-top:calc(71vw + 26px);
  background-image:linear-gradient(180deg,rgba(0,29,75,0) 0,rgba(0,29,75,0) calc(71vw - 46px),#001d4b 71vw),url(/assets/img/live/valdes-family-800.jpg);
  background-image:linear-gradient(180deg,rgba(0,29,75,0) 0,rgba(0,29,75,0) calc(71vw - 46px),#001d4b 71vw),image-set(url(/assets/img/live/valdes-family-800.webp) type("image/webp"),url(/assets/img/live/valdes-family-800.jpg) type("image/jpeg"));
  background-size:100% 100%,150% auto;background-position:0 0,50% 0;background-repeat:no-repeat}
  .hero-home-family h1,.hero-home-family .lead,.hero-home-family .eyebrow{text-shadow:none}.hero-grid>.hero-card{display:none}}

/* Market Watch hub, archive and editions: photo hero (Oct 9 2026). Same navy overlay pattern, a little denser
   because the photo has bright white paper behind the right-hand lead text. Rendered by market_bot/render.py. */
.hero.mc-hero.hero-photo-laptop-charts{background-image:linear-gradient(100deg,rgba(0,29,75,.95) 0%,rgba(0,40,112,.9) 50%,rgba(0,52,135,.8) 100%),url(/assets/img/live/laptop-charts.jpg);background-image:linear-gradient(100deg,rgba(0,29,75,.95) 0%,rgba(0,40,112,.9) 50%,rgba(0,52,135,.8) 100%),image-set(url(/assets/img/live/laptop-charts.webp) type("image/webp"),url(/assets/img/live/laptop-charts.jpg) type("image/jpeg"));background-position:center 40%}
.mc-hero.has-photo h1,.mc-hero.has-photo .lead,.mc-hero.has-photo .eyebrow{text-shadow:0 1px 3px rgba(0,20,52,.6)}
@media(max-width:720px){.hero.mc-hero.hero-photo-laptop-charts{background-image:linear-gradient(100deg,rgba(0,29,75,.95) 0%,rgba(0,40,112,.9) 50%,rgba(0,52,135,.8) 100%),url(/assets/img/live/laptop-charts-800.jpg);background-image:linear-gradient(100deg,rgba(0,29,75,.95) 0%,rgba(0,40,112,.9) 50%,rgba(0,52,135,.8) 100%),image-set(url(/assets/img/live/laptop-charts-800.webp) type("image/webp"),url(/assets/img/live/laptop-charts-800.jpg) type("image/jpeg"))}}
/* Print (Oct 9 2026 deliverables audit): heroes print as black text on white, so pages stay legible when
   the browser's "background graphics" option is off (the default); hero buttons and photo heroes are dropped.
   The interactive assessment prints as a compact, write-in questionnaire. */
@media print{
  .hero,.hero.has-photo{background:#fff!important;background-image:none!important;color:#000!important;padding:8px 0 14px!important;border-bottom:1px solid #999}
  .hero *,.hero .lead,.hero .eyebrow{color:#000!important;text-shadow:none!important}
  .hero .btn-row,.hero-card .btn{display:none!important}
  .hero-card{background:#fff!important;border:1px solid #999!important;backdrop-filter:none!important}
  .assessment-shell{display:block!important}
  .assessment-progress .h3,.progress-track,[data-progress-count]{display:none!important}
  #retirement-assessment .question{break-inside:avoid;margin:0 0 10px;padding:0;border:0}
  #retirement-assessment legend{font-weight:600;margin-bottom:4px}
  #retirement-assessment .answers{display:flex!important;flex-wrap:wrap;gap:4px 18px}
  #retirement-assessment .answer{display:inline-flex!important;align-items:center;gap:6px;padding:0!important;border:0!important;background:none!important;box-shadow:none!important;min-height:0!important}
  #retirement-assessment .answer input{position:static!important;opacity:1!important;width:14px;height:14px;appearance:auto;-webkit-appearance:auto;margin:0}
  #retirement-assessment .answer label{padding:0!important;border:0!important;background:none!important;min-height:0!important;font-weight:400}
  #retirement-assessment button,#retirement-assessment [type=submit]{display:none!important}
}
/* Spanish resources (Oct 9 2026) */
.es-callout{border-left:4px solid var(--blue-2,#0F67B2);background:#eef5fc;padding:14px 18px;border-radius:10px;margin:14px 0}
.es-callout p{margin:0}
.es-resource-card .es-links{display:flex;flex-wrap:wrap;gap:6px 16px;align-items:baseline;margin-top:auto}
.es-translation-note{border-left:4px solid var(--blue-2,#0F67B2)}
.print-toolbar .container{display:flex;flex-wrap:wrap;gap:10px 14px;align-items:center;justify-content:flex-start}.print-toolbar .container>a:first-child{margin-right:auto}.es-translation-note{margin-bottom:16px}
@media print{.es-callout{background:#fff;border-left-color:#000}}
@media print{.print-sheet .card-flat{break-inside:avoid}}
.pillars .icon-badge{margin-left:auto;margin-right:auto}
/* Age tags on the age-62 roadmap cards (Oct 9 2026), replacing the small navy number circles */
.age-tag{display:inline-flex;align-items:center;gap:7px;margin:0 0 14px;padding:7px 14px;border-radius:999px;background:#E5F0FE;color:#0F67B2;font-family:Poppins,var(--font-heading,sans-serif);font-weight:600;font-size:.86rem;letter-spacing:.06em;text-transform:uppercase;white-space:nowrap;line-height:1}
.age-tag .age-tag-icon{width:16px;height:16px;flex:none}
@media print{.age-tag{background:#fff;border:1px solid #0F67B2}}

/* Footer booking CTA (Q64): one primary button, one quiet secondary link */
.footer-cta{display:flex;flex-wrap:wrap;align-items:center;gap:10px 18px;margin-top:14px}
.footer-cta .btn{white-space:nowrap}
.footer-cta-link{color:#fff;font-weight:600;text-decoration:underline;text-underline-offset:3px}
.tpmo-source{display:inline}

/* About page (Q10): calm, single-column reading with restrained headings */
.hero-quote{max-width:760px;margin:18px 0 0;font-size:clamp(1.1rem,1rem + .6vw,1.45rem);line-height:1.5;font-weight:600;color:#fff}
.hero-quote cite{display:block;margin-top:10px;font-size:.95rem;font-style:normal;font-weight:700;opacity:.85}
.about-intro{display:grid;grid-template-columns:300px minmax(0,1fr);gap:48px;align-items:start;max-width:1040px;margin:0 auto}
.about-intro .about-portrait{width:100%}
.about-intro .about-portrait img{width:100%;height:auto;border-radius:22px;box-shadow:0 18px 40px rgba(0,29,75,.16)}
.about-intro-copy p,.about-prose p{max-width:72ch;font-size:1.05rem;line-height:1.75}
.about-prose{max-width:1040px;margin:48px auto 0}
.section .about-prose:first-child{margin-top:0}
.about-prose h3{font-size:1.2rem;color:var(--navy);margin:40px 0 10px}
.about-prose h2,.about-intro-copy h2{margin-bottom:14px}
.about-family{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:44px;align-items:center;max-width:1040px;margin:40px auto 0}
.about-story{margin:0;font-size:1.05rem;line-height:1.75}
.about-story p{margin:0 0 14px}
.about-story cite{display:block;font-style:normal;font-weight:700;color:var(--navy)}
.testimonials-2{grid-template-columns:repeat(2,minmax(0,1fr))}
.about-closing{padding:110px 0}
.about-closing-title{font-size:clamp(2rem,1.4rem + 2.4vw,3.2rem);font-weight:850;color:var(--blue);line-height:1.15;margin:0 0 12px}
.about-closing-sub{font-size:1.15rem;color:var(--navy);margin:0 0 30px}
@media(max-width:900px){.about-intro,.about-family{grid-template-columns:1fr;gap:28px}.about-intro .about-portrait{max-width:220px}.testimonials-2{grid-template-columns:1fr}}
.btn-lg{padding:16px 30px;font-size:1.05rem}
/* Official logo (Oct 11 2026): horizontal lockup from the live site's Wix media; never recolored. */
.brand img.brand-logo{width:180px;height:auto;display:block}
.brand{min-width:0}
@media(max-width:720px){.brand img.brand-logo{width:140px}}
.footer-logo-chip{display:inline-block;background:#fff;border-radius:10px;padding:10px 14px;margin-bottom:14px}
.footer-logo-chip img{display:block;width:200px;height:auto}