:root{--navy:#152b40;--ink:#182d3e;--cream:#f7f5f0;--gold:#bd9d69;--muted:#617080}*{box-sizing:border-box}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);line-height:1.65;background:#fff}a{color:inherit}header{background:white;border-bottom:1px solid #e7e8e8;position:sticky;top:0;z-index:5}.wrap{max-width:1150px;margin:auto;padding:0 26px}.nav{display:flex;align-items:center;justify-content:space-between;min-height:78px;gap:18px}.logo{font-family:Georgia,serif;font-size:23px;text-decoration:none;font-weight:bold;letter-spacing:-.7px}.logo small{display:block;font:10px Arial;letter-spacing:3px;font-weight:normal}.links{display:flex;gap:24px;align-items:center}.links a{text-decoration:none;font-size:13px;font-weight:bold}.btn{display:inline-block;background:var(--gold);color:#142536;padding:13px 22px;text-decoration:none;font-size:13px;font-weight:bold;border-radius:3px}.btn.dark{background:var(--navy);color:white}.hero{background:var(--navy);color:white;padding:100px 0 90px}.eyebrow{text-transform:uppercase;letter-spacing:2.5px;font-size:11px;font-weight:bold;color:var(--gold)}h1,h2,h3{font-family:Georgia,'Times New Roman',serif;line-height:1.16;font-weight:normal}h1{font-size:clamp(42px,6vw,72px);max-width:850px;margin:20px 0}h2{font-size:clamp(32px,4vw,48px);margin:12px 0 22px}h3{font-size:25px;margin:12px 0}p{max-width:740px}.hero p{font-size:19px;color:#d9e0e6;max-width:680px}.hero .btn{margin-top:22px}.hero-foot{margin-top:64px;padding-top:25px;border-top:1px solid #4c5e70;display:flex;flex-wrap:wrap;gap:30px;color:#d8dfe6;font-size:13px}section{padding:85px 0}.cream{background:var(--cream)}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:25px}.grid.two{grid-template-columns:repeat(2,1fr)}.tile{padding:30px;border:1px solid #e1e4e4;background:white}.tile p{font-size:15px;color:var(--muted)}.split{display:grid;grid-template-columns:1fr 1fr;gap:65px;align-items:center}.stat{font-family:Georgia,serif;font-size:64px;color:var(--gold)}.muted{color:var(--muted)}.band{background:var(--navy);color:white}.band p{color:#d7e1e9}.label{font-size:11px;text-transform:uppercase;letter-spacing:2px;color:var(--gold);font-weight:bold}.cta{background:#e9e1d3;text-align:center}.cta p{margin:0 auto 24px}footer{background:#102235;color:#d6dfe7;padding:45px 0;font-size:12px}footer a{margin-right:15px}.article{max-width:800px;margin:auto}.article-list{display:grid;gap:15px}.article-card{border:1px solid #e1e4e4;padding:25px;text-decoration:none;display:block}.article-card:hover{border-color:var(--gold)}input{padding:13px;width:100%;border:1px solid #ccd3d7;font-size:15px}form:not(.ctct-form-custom){display:flex;gap:8px;max-width:530px}button{border:0;cursor:pointer}.note{font-size:12px;color:var(--muted)}@media(max-width:800px){.links{gap:10px;flex-wrap:wrap;justify-content:flex-end}.links a{font-size:11px}.nav{align-items:flex-start;padding:15px 0}.grid,.grid.two,.split{grid-template-columns:1fr}.hero{padding:70px 0}section{padding:55px 0}form:not(.ctct-form-custom){flex-direction:column}}

/* Homepage design v4 */
:root{--navy:#11283a;--gold:#d2b687;--cream:#f7f4ee}
body{font-family:Arial,Helvetica,sans-serif}h1,h2,h3{letter-spacing:-.035em}h1 em,h2 em{font-style:italic;font-weight:normal;color:#cbb58f}.hero-v4{padding:0;background:linear-gradient(125deg,#11283a 0%,#1a3447 70%,#263e4c 100%)}.hero-layout{display:grid;grid-template-columns:1.18fr .82fr;gap:60px;align-items:center;min-height:680px;padding-top:70px;padding-bottom:70px}.hero-copy h1{font-size:clamp(48px,5.4vw,76px);line-height:1.07;max-width:770px;margin:24px 0}.hero-copy p{max-width:590px;font-size:17px;line-height:1.8}.hero-actions{display:flex;align-items:center;gap:25px;flex-wrap:wrap;margin-top:32px}.hero-actions .btn{margin:0;padding:17px 24px;background:#d7ba8a}.text-link{color:#f3eee5;text-decoration:none;font-size:13px;border-bottom:1px solid #a3b2bb;padding-bottom:5px}.hero-trust{display:flex;gap:18px;flex-wrap:wrap;margin-top:70px;color:#e0e4e6;font-size:11px;text-transform:uppercase;letter-spacing:.9px}.hero-trust span:not(:last-child):after{content:' ·';color:var(--gold);margin-left:16px}.portrait-stage{position:relative;align-self:stretch;min-height:510px;display:flex;flex-direction:column;justify-content:center}.portrait-placeholder{background:linear-gradient(145deg,#6f858b,#3f5b68 55%,#213e50);height:470px;position:relative;overflow:hidden;border:9px solid rgba(255,255,255,.07);box-shadow:0 24px 70px rgba(0,0,0,.17)}.portrait-placeholder:before{content:'';position:absolute;width:390px;height:390px;border:1px solid #ffffff35;border-radius:50%;right:-100px;top:30px}.portrait-line{position:absolute;top:25px;left:24px;font:italic 25px Georgia,serif;color:#fff9;line-height:1.2}.portrait-inner{position:absolute;inset:34% 15% 12%;border:1px dashed #ffffff70;display:flex;flex-direction:column;align-items:center;justify-content:center;text-align:center;gap:14px;color:#fff}.portrait-inner span,.advisor-photo-inner span{font-size:12px;letter-spacing:2px;font-weight:bold}.portrait-inner small,.advisor-photo-inner small{font-size:12px;line-height:1.6}.portrait-caption{position:absolute;right:-18px;bottom:24px;background:#f7f4ee;color:#182d3e;padding:19px 24px;display:flex;flex-direction:column;box-shadow:0 12px 35px #0002}.portrait-caption strong{font-family:Georgia,serif;font-size:20px}.portrait-caption span{font-size:12px;color:#526675}.intro-strip{padding:58px 0}.intro-strip-grid{display:grid;grid-template-columns:.6fr 1.2fr 1fr;gap:30px;align-items:center}.intro-strip h2{font-size:clamp(31px,3vw,43px);margin:0}.intro-strip h2 em,.advisor-section h2 em{color:#a38a62}.intro-strip p{font-size:15px;color:#65737d}.section-head{display:flex;justify-content:space-between;align-items:end;gap:50px;margin-bottom:32px}.section-head p{max-width:420px;color:#5b6a75}.feature-card{display:flex;flex-direction:column;min-height:295px;padding:32px;background:#fff;text-decoration:none;border:1px solid #e6e2da;transition:transform .2s,border-color .2s}.feature-card:hover{transform:translateY(-4px);border-color:#c7a878}.feature-number{font-size:12px;color:#a18a68;letter-spacing:1px}.feature-card h3{font-size:28px;margin-top:38px}.feature-card p{font-size:14px;color:#5b6a75}.feature-arrow{margin-top:auto;font-size:13px;font-weight:bold}.advisor-section{gap:85px}.advisor-photo{background:linear-gradient(140deg,#d5d7d2,#8ca1a2);min-height:440px;padding:45px;display:flex}.advisor-photo-inner{border:1px dashed #fff9;flex:1;display:flex;flex-direction:column;justify-content:center;align-items:center;text-align:center;gap:16px;color:#fff;text-shadow:0 1px 4px #0005}.advisor-section p{color:#536574}.inline-arrow{text-decoration:none;font-weight:bold;font-size:13px;border-bottom:1px solid #b7a080;padding-bottom:8px;display:inline-block;margin-top:14px}.resource-layout{display:grid;grid-template-columns:1.15fr .85fr;gap:90px;align-items:center}.resource-stack{border-top:1px solid #ffffff50}.resource-stack>div{display:grid;grid-template-columns:45px 1fr;gap:3px 16px;padding:22px 0;border-bottom:1px solid #ffffff40}.resource-stack span{grid-row:span 2;color:#d6b987;font-size:12px}.resource-stack strong{font:23px Georgia,serif}.resource-stack small{font-size:12px;color:#c9d5dd}.insight-preview{background:white;border:1px solid #e3e0da;padding:36px;text-decoration:none}.insight-preview small{color:#9c835c;letter-spacing:1.5px;font-weight:bold}.insight-preview h3{font-size:32px}.insight-preview p{color:#66747e}.insight-preview span{font-size:13px;font-weight:bold}.btn:hover{filter:brightness(1.08)}@media(max-width:950px){.hero-layout{grid-template-columns:1fr;min-height:0}.portrait-stage{min-height:0;max-width:550px;width:100%}.portrait-placeholder{height:380px}.intro-strip-grid{grid-template-columns:1fr 1fr}.intro-strip-grid .label{grid-column:1/-1}.resource-layout{grid-template-columns:1fr;gap:35px}.advisor-section{gap:35px}}@media(max-width:650px){.hero-layout{padding-top:55px;padding-bottom:55px;gap:30px}.hero-copy h1{font-size:clamp(43px,10vw,59px)}.hero-trust{margin-top:40px;gap:10px}.portrait-caption{right:0;bottom:4px}.portrait-placeholder{height:340px}.intro-strip-grid,.section-head{display:block}.section-head p{margin-top:15px}.advisor-photo{min-height:300px}.hero-actions{align-items:flex-start;flex-direction:column}.hero-actions .btn{width:100%;text-align:center}.hero-trust span:not(:last-child):after{margin-left:5px}}

/* V5: editorial physician-focused visual system */
:root{--navy:#0d2236;--gold:#99713b;--ink:#14263a;--cream:#f6f3ee}
body{font-family:Arial,Helvetica,sans-serif;color:var(--ink)}
header{position:relative;background:#fff}.nav{min-height:72px}.logo{font-family:Georgia,serif;letter-spacing:1.3px;font-weight:normal;font-size:24px}.logo small{text-align:center;font-size:10px;letter-spacing:5px}.links a{font-weight:normal;font-size:13px}.links .btn{background:#9c763f;color:white;font-weight:bold;text-transform:uppercase;font-size:11px;letter-spacing:1px;padding:14px 18px}.links .btn:hover{background:#806030}
.new-hero{padding:0;background:#e9dfd4}.new-hero-grid{display:grid;grid-template-columns:1fr 1fr;min-height:510px;position:relative}.new-hero-copy{padding:65px 10px 55px 0;z-index:1;align-self:center}.new-hero .eyebrow{color:#936b36;letter-spacing:3px}.new-hero h1{font-size:clamp(42px,4.8vw,67px);line-height:1.03;margin:18px 0 16px;color:#071c32;letter-spacing:-2px}.new-hero p{font-size:18px;line-height:1.55;max-width:575px;color:#334153}.new-hero-actions{display:flex;gap:18px;flex-wrap:wrap;margin-top:26px}.new-hero .btn{margin:0;padding:15px 22px;text-transform:uppercase;font-size:11px;letter-spacing:1.4px}.new-hero .btn.gold{background:#98723e;color:white}.new-hero .btn.outline{border:1px solid #877663;background:transparent;color:#162739}.hero-photo{background-image:linear-gradient(90deg,#e9dfd4 0%,rgba(233,223,212,0) 17%),url('assets/tanner-portrait.png');background-position:center center;background-size:cover;min-height:510px}
.value-bar{padding:20px 0;background:#faf9f6}.value-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:0}.value-grid>div{display:flex;gap:17px;padding:10px 21px;border-right:1px solid #ded8d0;align-items:start}.value-grid>div:first-child{padding-left:0}.value-grid>div:last-child{border:0}.value-icon{font:36px Georgia,serif;color:#9c763f;min-width:42px;line-height:1}.value-grid p{margin:0}.value-grid strong{display:block;font-size:12px;text-transform:uppercase;letter-spacing:1px}.value-grid small{display:block;font-size:13px;color:#697381;line-height:1.4;margin-top:4px}
.service-section{padding:65px 0}.center-heading{text-align:center;margin-bottom:25px}.center-heading h2{font-size:clamp(30px,3vw,42px);margin:6px 0}.center-heading p{margin:0 auto;color:#647180}.service-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:32px}.service-tile{text-decoration:none}.service-tile h3{font-size:24px;margin:13px 0 6px}.service-tile p{color:#6b7480;font-size:15px;line-height:1.45;margin:0 0 10px}.service-link{color:#97703a;font-size:12px;font-weight:bold;text-transform:uppercase;letter-spacing:1px}.service-art{height:160px;display:flex;align-items:end;padding:15px;color:white;font-size:11px;letter-spacing:2px;background-size:cover}.art-tax{background:linear-gradient(135deg,#a88b69,#293d49)}.art-invest{background:linear-gradient(135deg,#bca07c,#5e735d)}.art-retire{background:linear-gradient(135deg,#4b6472,#b2a089)}
.differentiator{background:#f7f4ef}.differentiator h2,.advisor-section-new h2,.insights-home h2{font-size:clamp(32px,3.5vw,48px);color:#0c2339}.differentiator p,.advisor-section-new p,.insights-home p{color:#586777}.support-list>div{display:grid;grid-template-columns:36px 1fr;gap:2px 15px;padding:20px 0;border-bottom:1px solid #d5d0c7}.support-list b{grid-row:span 2;color:#9a7647;font-size:12px}.support-list strong{font:22px Georgia,serif}.support-list small{font-size:13px;color:#667482}.advisor-section-new{background:#fff}.advisor-img{height:440px;overflow:hidden;background:#e9dfd4}.advisor-img img{width:100%;height:100%;object-fit:cover;object-position:center 30%}.insights-home{background:#f7f4ef}.about-photo{max-width:370px;margin:35px 0}.about-photo img{width:100%;height:auto}.contact-page h1{color:#0c2339}.scheduler{border:1px solid #e2ded7;margin:28px 0;background:#fff;min-height:740px}
@media(max-width:850px){.new-hero-grid{grid-template-columns:1fr}.new-hero-copy{padding:50px 0 35px}.hero-photo{min-height:380px;background-position:center 30%}.value-grid{grid-template-columns:repeat(2,1fr)}.value-grid>div:nth-child(2){border:0}.service-grid{grid-template-columns:1fr}.service-art{height:185px}}@media(max-width:550px){.value-grid{grid-template-columns:1fr}.value-grid>div{border-right:0;border-bottom:1px solid #e0dad2;padding:16px 0}.new-hero h1{font-size:44px}.new-hero p{font-size:16px}.new-hero-actions .btn{width:100%;text-align:center}.hero-photo{min-height:320px}.links{gap:8px}.links .btn{padding:9px 12px}}

.cred-section{background:#f5f1eb;padding:78px 0;text-align:center}.cred-section h2,.employers h2{font-family:Georgia,serif;color:#192f43;font-size:clamp(28px,3vw,42px);margin:10px 0 32px}.cred-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}.cred-grid>div{background:#fff;padding:30px 12px;border-top:3px solid #a68049}.cred-grid strong{display:block;font:normal 35px Georgia,serif;color:#182d3e}.cred-grid span{display:block;margin-top:10px;color:#5d6570;font-size:14px}.cred-foot{font-size:12px;color:#68717b;line-height:1.6;margin-top:24px}.employers{padding:75px 0;text-align:center}.employer-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:25px}.employer-grid span{padding:18px 10px;border:1px solid #d9d4cb;color:#24364a;font-weight:600}.fee-section{margin:55px 0;padding:35px;background:#f5f1eb}.fee-section .tile{background:white;margin:20px 0}.family-photo img{max-height:480px;object-fit:cover;width:100%}@media(max-width:700px){.cred-grid{grid-template-columns:repeat(2,1fr)}.employer-grid{grid-template-columns:repeat(2,1fr)}}

/* Fee schedule */
.fee-table-wrap{overflow-x:auto;margin:24px 0}.fee-table{width:100%;border-collapse:collapse;background:#fff;color:#182d3e}.fee-table th,.fee-table td{padding:16px 20px;text-align:left;border-bottom:1px solid #e5e0d8}.fee-table th{background:#182d3e;color:#fff;font-weight:600}.fee-table th:last-child,.fee-table td:last-child{text-align:right;white-space:nowrap}.fee-table tbody tr:nth-child(even){background:#f8f6f1}.fee-minimum{border-left:4px solid #9e793e;padding:16px 24px;background:#f8f6f1;margin:24px 0}.fee-minimum h3{margin-top:0}

/* Version 8: text-led homepage and single advisor portrait on About */
.new-hero-grid{grid-template-columns:minmax(0,1fr);min-height:410px}.new-hero-copy{max-width:830px;padding:72px 0 78px}.new-hero h1{max-width:780px}.advisor-section-new .split{display:block;max-width:850px}.advisor-section-new .split>div{max-width:780px}.advisor-section-new{padding:70px 0}
@media(max-width:850px){.new-hero-grid{min-height:0}.new-hero-copy{padding:55px 0 60px}}

/* Version 9: portrait only in homepage advisor introduction; family photograph on About */
.advisor-section-new .advisor-intro-grid{display:grid;grid-template-columns:minmax(230px,0.78fr) minmax(0,1.22fr);gap:clamp(32px,6vw,90px);align-items:center;max-width:1100px}
.advisor-section-new .advisor-intro-grid>div{max-width:620px}
.advisor-portrait-link{display:block;overflow:hidden;background:#e8e0d5;border-radius:3px;box-shadow:0 12px 38px rgba(13,34,54,.10)}
.advisor-portrait-link img{display:block;width:100%;height:390px;object-fit:cover;object-position:center 25%;transition:transform .25s ease}
.advisor-portrait-link:hover img{transform:scale(1.025)}
@media(max-width:700px){.advisor-section-new .advisor-intro-grid{grid-template-columns:1fr;gap:26px}.advisor-portrait-link{max-width:370px}.advisor-portrait-link img{height:340px}}

/* Version 10: physician-profile-inspired advisor biography */
.profile-section{background:#fff;padding:65px 0 90px}.profile-title{color:#172b3e;font-size:clamp(40px,5vw,62px);margin:12px 0 5px}.profile-subtitle{color:#687481;font-size:18px;margin:0 0 45px}.profile-layout{display:grid;grid-template-columns:minmax(0,1fr) 285px;gap:65px;align-items:start}.profile-main{max-width:750px}.profile-main h2{font-size:30px;margin:38px 0 14px;padding-bottom:12px;border-bottom:1px solid #e7e2db}.profile-main h2:first-child{margin-top:0}.profile-main p{font-size:16px;color:#465768}.profile-facts>div{padding:16px 0;border-bottom:1px solid #e7e2db}.profile-facts strong,.profile-facts span{display:block}.profile-facts span{color:#65717c;font-size:14px;margin-top:3px}.profile-family{margin:24px 0 12px;max-width:580px}.profile-family img{display:block;width:100%;height:auto;border-radius:3px}.profile-family figcaption{font-size:12px;color:#66727e;margin-top:8px}.profile-sidebar-card{background:#f6f3ee;padding:26px;position:sticky;top:24px;border-top:3px solid #a68049}.profile-sidebar dl{margin:14px 0}.profile-sidebar dt{font-size:11px;text-transform:uppercase;letter-spacing:1.2px;color:#85714e;margin-top:20px}.profile-sidebar dd{margin:3px 0 0;color:#203448;font-size:15px}.profile-sidebar .inline-arrow{margin-top:15px}@media(max-width:800px){.profile-layout{grid-template-columns:1fr;gap:35px}.profile-sidebar-card{position:static}.profile-section{padding:50px 0}}

/* V11 planning process, physician focus and blended fee calculator */
.physician-needs{background:#f5f1e9;padding:85px 0}.physician-needs h2,.process-section h2{max-width:750px;color:#182d3e}.physician-needs>div>p{max-width:780px}.needs-grid,.meeting-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px;margin:30px 0}.needs-grid>div,.meeting-grid>div{background:white;padding:25px;border:1px solid #e7e0d5;border-radius:8px}.needs-grid h3,.meeting-grid h3{margin-top:0;color:#182d3e}.process-section{padding:55px 0}.process-grid{list-style:none;counter-reset:plan;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px;padding:0;margin:28px 0}.process-grid li{counter-increment:plan;border:1px solid #ddd6ca;border-radius:8px;padding:22px;display:flex;flex-direction:column;gap:9px;background:#fff}.process-grid li:before{content:counter(plan,decimal-leading-zero);color:#a7804e;font-size:13px;font-weight:700}.process-grid strong{color:#182d3e;font-size:18px}.process-grid span{color:#59646b}.meeting-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.meeting-grid>div{background:#f5f1e9}.fee-calculator{background:#f5f1e9;border-radius:10px;padding:30px;margin:35px 0}.fee-calculator h3{color:#182d3e;margin-top:0}.fee-calculator label{display:block;font-weight:700;margin:15px 0 8px}.calculator-input{display:flex;align-items:center;gap:8px;background:white;border:1px solid #c6c4bd;border-radius:6px;padding:10px 14px;max-width:370px}.calculator-input input{border:0;outline:0;font:inherit;font-size:21px;width:100%;background:transparent}.calculator-result{display:flex;align-items:center;justify-content:space-between;gap:15px;padding:22px 0;border-bottom:1px solid #d9d2c8;margin-top:16px}.calculator-result strong{font-size:34px;color:#182d3e;white-space:nowrap}@media(max-width:750px){.needs-grid,.meeting-grid,.process-grid{grid-template-columns:1fr}.physician-needs{padding:50px 0}.calculator-result{align-items:flex-start;flex-direction:column}}

/* Physician-specific pathways */
.six-needs{grid-template-columns:repeat(3,minmax(0,1fr))}.need-card{display:flex;flex-direction:column;gap:8px;text-decoration:none;color:inherit;background:#fff;border:1px solid #e7e0d5;border-radius:9px;padding:26px;transition:transform .2s ease,border-color .2s ease}.need-card:hover,.need-card:focus-visible{transform:translateY(-3px);border-color:#aa895d}.need-card h3{margin:0;color:#182d3e}.need-card p{margin:0 0 12px;flex:1}.need-number{color:#987747;font-size:13px;letter-spacing:.1em;font-weight:700}.need-card .service-link{font-size:13px;color:#805f35}.physician-actions{display:flex;gap:25px;align-items:center;flex-wrap:wrap;margin-top:28px}.physician-page{padding:75px 0}.physician-page h1{color:#182d3e}.physician-lede{font-size:20px;max-width:750px}.physician-topic{padding:33px 0;border-bottom:1px solid #e4ddd3;scroll-margin-top:25px}.physician-topic h2{color:#182d3e;margin:10px 0}.physician-topic p{max-width:750px}.physician-next{padding:35px;background:#f5f1e9;margin-top:35px;border-radius:9px}.physician-next .inline-arrow{margin-left:20px}@media(max-width:900px){.six-needs{grid-template-columns:repeat(2,minmax(0,1fr))}}@media(max-width:650px){.six-needs{grid-template-columns:1fr}.physician-next .inline-arrow{display:block;margin:18px 0 0}}

/* Preserve newsletter wording and source line breaks */
.verbatim-newsletter {max-width: 790px; line-height: 1.8;}
.verbatim-newsletter p {white-space: pre-line; margin: 0 0 1.3rem;}

/* Original newsletter illustrations */
.newsletter-figure{margin:24px 0;text-align:center}.newsletter-figure img{max-width:100%;height:auto;object-fit:contain;border-radius:6px}

/* Newsletter list restoration */
.verbatim-newsletter ul { padding-left: 1.55rem; margin: .6rem 0 1.35rem; }
.verbatim-newsletter li { margin: .35rem 0; line-height: 1.7; }

/* Editorial hierarchy for original newsletter articles: text remains verbatim */
.verbatim-newsletter h2{font-size:clamp(1.5rem,2.5vw,2rem);line-height:1.24;font-weight:750;letter-spacing:-.025em;color:#182d3e;margin:2.35rem 0 .85rem;padding-top:.2rem}
.verbatim-newsletter h2:first-child{margin-top:1.3rem}
.verbatim-newsletter h3{font-size:clamp(1.22rem,2vw,1.5rem);line-height:1.35;font-weight:700;color:#182d3e;margin:1.7rem 0 .65rem}
.verbatim-newsletter p{font-size:1.055rem;line-height:1.82}
@media(max-width:600px){.verbatim-newsletter h2{margin-top:1.8rem}.verbatim-newsletter p{font-size:1rem}}

/* Advanced tax planning page */
.tax-hero{background:#f5f7f5;padding:32px 0 18px}.tax-hero .tax-lead{font-size:1.24rem;line-height:1.7;color:#263d46}.tax-strategies{padding:26px 0 60px}.tax-strategy-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px;margin:28px 0 42px}.tax-strategy-card{background:#f6f7f4;border:1px solid #e1e7e2;border-radius:12px;padding:28px}.tax-strategy-card h3{font-size:1.35rem;line-height:1.35;color:#182d3e;margin:12px 0}.tax-strategy-card p{line-height:1.7;margin:0}.tax-strategy-num{font-size:.74rem;letter-spacing:.13em;font-weight:700;color:#667f70}.tax-fineprint{font-size:.87rem;color:#59676b;line-height:1.65;margin-top:32px}@media(max-width:700px){.tax-strategy-grid{grid-template-columns:1fr}.tax-strategy-card{padding:22px}.tax-hero .tax-lead{font-size:1.12rem}}

/* Constant Contact signup on Insights */
.newsletter-signup{margin:54px 0 12px;padding:32px;border:1px solid #dce5dd;border-radius:14px;background:#f6f8f5}.newsletter-signup h2{color:#182d3e;font-size:clamp(1.5rem,3vw,2rem);line-height:1.25;margin:0 0 12px}.newsletter-signup p{margin:0 0 24px;line-height:1.7}.newsletter-signup .ctct-inline-form{min-height:120px}@media(max-width:650px){.newsletter-signup{padding:22px 16px;margin-top:36px}}

/* Constant Contact: single isolated layout definition. */
body[data-page="insights"] .newsletter-signup .ctct-inline-form,
body[data-page="insights"] .newsletter-signup .ctct-form-container,
body[data-page="insights"] .newsletter-signup .ctct-form-defaults {
  display:block !important;
  width:100% !important;
  max-width:640px !important;
  margin-left:auto !important;
  margin-right:auto !important;
  box-sizing:border-box;
}
body[data-page="insights"] .newsletter-signup .ctct-inline-form form.ctct-form-custom {
  display:flex !important;
  flex-direction:column !important;
  align-items:stretch !important;
  justify-content:flex-start !important;
  flex-wrap:nowrap !important;
  gap:16px !important;
  width:100% !important;
  max-width:100% !important;
  height:auto !important;
  margin:0 !important;
}
body[data-page="insights"] .newsletter-signup .ctct-form-custom > .ctct-form-header,
body[data-page="insights"] .newsletter-signup .ctct-form-custom > .ctct-form-field,
body[data-page="insights"] .newsletter-signup .ctct-form-custom > #gdpr_text {
  display:block !important;
  flex:0 0 auto !important;
  width:100% !important;
  max-width:100% !important;
  min-width:0 !important;
  margin:0 !important;
}
body[data-page="insights"] .newsletter-signup .ctct-form-custom > .ctct-form-header {
  font:normal 25px/1.3 Georgia,serif !important;
  color:#182d3e !important;
  margin-bottom:8px !important;
}
body[data-page="insights"] .newsletter-signup .ctct-form-field label {
  display:block !important;
  margin:0 0 7px !important;
  font-size:15px !important;
  line-height:1.4 !important;
}
body[data-page="insights"] .newsletter-signup .ctct-form-field input.ctct-form-element {
  display:block !important;
  width:100% !important;
  max-width:100% !important;
  min-width:0 !important;
  height:46px !important;
  padding:10px 12px !important;
  box-sizing:border-box !important;
  font-size:16px !important;
}
body[data-page="insights"] .newsletter-signup .ctct-gdpr-text {
  max-width:100% !important;
  font-size:12px !important;
  line-height:1.6 !important;
}
body[data-page="insights"] .newsletter-signup .ctct-form-custom > button.ctct-form-button {
  display:inline-block !important;
  flex:0 0 auto !important;
  align-self:flex-start !important;
  width:auto !important;
  min-width:150px !important;
  max-width:100% !important;
  height:auto !important;
  min-height:46px !important;
  padding:12px 28px !important;
  margin:0 !important;
  border:0 !important;
  border-radius:5px !important;
  background:#182d3e !important;
  color:white !important;
  font-size:16px !important;
  line-height:1.4 !important;
}
body[data-page="insights"] .newsletter-signup .ctct-form-footer {
  text-align:center !important;
}
@media(max-width:650px){
  body[data-page="insights"] .newsletter-signup .ctct-form-custom > button.ctct-form-button {width:100% !important;}
}


/* Mobile hamburger navigation — desktop remains unchanged */
.mobile-menu-toggle { display:none; }
@media (max-width:850px) {
  header .wrap.nav {
    display:flex;
    position:relative;
    align-items:center;
    justify-content:space-between;
    flex-wrap:wrap;
    gap:12px;
    min-height:72px;
    padding-top:12px;
    padding-bottom:12px;
  }
  header .nav .logo {
    display:block;
    flex:0 1 auto;
    min-width:0;
    font-size:clamp(18px,5.2vw,24px);
    line-height:1.2;
    white-space:nowrap;
  }
  header .nav .logo small { font-size:9px; letter-spacing:3px; }
  header .nav .mobile-menu-toggle {
    display:inline-flex;
    align-items:center;
    justify-content:center;
    flex:0 0 auto;
    gap:9px;
    border:1px solid #d9d2c8;
    border-radius:4px;
    background:#fff;
    color:#14263a;
    padding:11px 12px;
    font:600 13px Arial,Helvetica,sans-serif;
    cursor:pointer;
  }
  .menu-bars { display:flex; flex-direction:column; justify-content:center; gap:4px; width:20px; }
  .menu-bars span { display:block; width:20px; height:2px; border-radius:1px; background:currentColor; }
  header .nav nav.links {
    display:none;
    order:3;
    flex:0 0 100%;
    width:100%;
    padding:10px 0 4px;
    margin:0;
    border-top:1px solid #e8e2d9;
    flex-direction:column;
    flex-wrap:nowrap;
    align-items:stretch;
    justify-content:flex-start;
    gap:0;
  }
  header .nav.menu-open nav.links { display:flex; }
  header .nav nav.links a:not(.btn) {
    display:block;
    width:100%;
    padding:12px 8px;
    font-size:15px;
    line-height:1.4;
    text-align:left;
    border-bottom:1px solid #f0ede8;
  }
  header .nav nav.links .btn {
    display:block;
    margin-top:12px;
    width:100%;
    padding:13px 16px;
    text-align:center;
    font-size:12px;
  }
  header .nav .mobile-menu-toggle:focus-visible,
  header .nav nav.links a:focus-visible { outline:3px solid #99713b; outline-offset:3px; }
}
/* Hide hamburger menu on desktop */
@media (min-width: 851px) {
  .mobile-menu-toggle {
    display: none !important;
  }
}