:root{
  --paper:#f8f5ee;--paper-2:#f2ede2;
  --navy:#00205B;--turquoise:#00747E;--teal:#005357;
  --gold:#8a6d2f;--gold-lite:#b3893f;--gold-hi:#c8a25a;
  --ink:#20242e;--ink-soft:#4a5261;--muted:#6b6659;--line:#e2dbcc;--line-2:#d8d0be;
  --serif:'Source Serif 4',Georgia,serif;--display:'Fraunces',Georgia,serif;--wrap:1220px;
}
*,*::before,*::after{box-sizing:border-box}
body{margin:0;background:var(--paper);color:var(--ink);font-family:var(--serif);font-size:19px;line-height:1.62;font-weight:380;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:var(--turquoise);text-decoration:none;transition:color .2s}a:hover{color:var(--navy)}
:focus-visible{outline:2px solid var(--turquoise);outline-offset:2px}
.skip{position:absolute;left:-999px;top:0;background:var(--navy);color:#fff;padding:.6rem 1rem;z-index:100}
.skip:focus{left:0}
h1,h2,h3{font-family:var(--display);color:var(--navy);line-height:1.08;letter-spacing:-.015em;margin:0 0 .5em;font-weight:400}
h1{font-size:clamp(2.5rem,5vw,4.2rem);font-weight:320}
h2{font-size:clamp(1.9rem,3.4vw,2.8rem);font-weight:350}
h3{font-size:1.35rem}
p{margin:0 0 1.15em;color:var(--ink-soft)}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 clamp(1.5rem,5vw,3rem)}
.accent{font-style:italic;background:linear-gradient(100deg,var(--gold-lite),var(--gold-hi) 55%,var(--gold-lite));-webkit-background-clip:text;background-clip:text;color:transparent}
.eyebrow{font-size:.72rem;font-weight:600;letter-spacing:.22em;text-transform:uppercase;color:var(--gold);margin:0 0 1.4rem;display:flex;align-items:center;gap:.7rem}
.eyebrow::before{content:'';width:26px;height:1px;background:var(--gold);flex:none}
.eyebrow.c{justify-content:center}
.lead{font-size:1.24rem;line-height:1.55;color:var(--ink-soft);max-width:34em;font-weight:360}
.btn{display:inline-flex;align-items:center;gap:.6rem;font-weight:600;font-size:.82rem;letter-spacing:.08em;text-transform:uppercase;padding:1rem 1.7rem;border-radius:1px;border:1px solid transparent;transition:all .25s;cursor:pointer}
.btn-primary{background:var(--navy);color:#fff}.btn-primary:hover{background:var(--teal)}
.btn-ghost{background:transparent;color:var(--navy);border-color:var(--line-2)}.btn-ghost:hover{border-color:var(--navy)}
.arw{transition:transform .25s}.btn:hover .arw{transform:translateX(4px)}
.topline{height:3px;background:linear-gradient(90deg,var(--navy),var(--teal) 50%,var(--gold-lite))}
.section{padding:clamp(4rem,8vw,6.5rem) 0}
.img{position:relative;overflow:hidden;background:#e9e3d6}
.img>img{width:100%;height:100%;object-fit:cover;filter:saturate(.96)}
.img::after{content:'';position:absolute;inset:0;background:linear-gradient(160deg,rgba(0,32,91,.06),rgba(0,83,87,.03));pointer-events:none}
.cap{position:absolute;left:0;right:0;bottom:0;z-index:3;padding:1.1rem 1.2rem;background-color:rgba(0,20,50,.82);background-image:linear-gradient(0deg,rgba(0,20,50,.5),transparent);color:#fff}
.cap .k{font-size:.68rem;letter-spacing:.14em;text-transform:uppercase;color:rgba(255,255,255,.75)}
.cap .t{font-family:var(--display);font-size:1.15rem}
.ph{position:absolute;inset:0;display:grid;place-items:center;text-align:center;background:repeating-linear-gradient(135deg,#e4ddcd,#e4ddcd 12px,#e0d8c6 12px,#e0d8c6 24px);color:#9a927f}
.ph span{font-family:var(--display);font-size:.95rem;letter-spacing:.04em;padding:0 1rem}
.ph small{display:block;font-family:var(--serif);font-size:.62rem;letter-spacing:.16em;text-transform:uppercase;margin-top:.4rem;color:#b0a891}
.site-header{position:sticky;top:0;z-index:60;background:rgba(248,245,238,.92);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:2rem;padding:1.1rem 0}
.brand-logo{height:38px;width:auto}
.nav-links{display:flex;align-items:center;gap:1.7rem;list-style:none;margin:0;padding:0}
.nav-links a{color:var(--ink-soft);font-size:.74rem;font-weight:600;letter-spacing:.11em;text-transform:uppercase}
.nav-links a:hover{color:var(--navy)}
.hero .wrap{padding-top:clamp(3rem,6vw,5rem);padding-bottom:clamp(3rem,6vw,4.5rem)}
.hero-grid{display:grid;grid-template-columns:1.2fr .95fr;gap:3.5rem;align-items:center}
.hero-img{aspect-ratio:4/5;border:1px solid var(--line)}
.hero-actions{display:flex;flex-wrap:wrap;gap:1rem;margin-top:2.2rem}
@media(max-width:880px){.hero-grid{grid-template-columns:1fr;gap:2.5rem}.nav-links{display:none}}
.statbar{border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:var(--paper-2)}
.statbar .wrap{display:flex;flex-wrap:wrap;gap:2rem;justify-content:space-between;padding:1.35rem clamp(1.5rem,5vw,3rem)}
.stat b{font-family:var(--display);color:var(--navy);font-weight:420;font-size:1.35rem;margin-right:.5rem}
.stat span{font-size:.78rem;letter-spacing:.08em;text-transform:uppercase;color:var(--muted)}
.svc-head{display:flex;justify-content:space-between;align-items:flex-end;gap:2rem;flex-wrap:wrap;margin-bottom:1rem}
.svc a{display:grid;grid-template-columns:auto 1fr minmax(14rem,22rem) auto;gap:1.8rem;align-items:center;padding:1.55rem .4rem;border-bottom:1px solid var(--line);transition:background .25s,padding .25s}
.svc a:first-child{border-top:1px solid var(--line-2)}
.svc a:hover{background:#fff;padding-inline:1.2rem}
.svc .num{font-family:var(--display);font-size:1rem;color:var(--gold);font-style:italic}
.svc .ttl{font-family:var(--display);font-size:clamp(1.3rem,2.3vw,1.8rem);color:var(--navy);font-weight:380}
.svc .desc{color:var(--muted);font-size:1rem;max-width:40ch}
.svc .go{color:var(--turquoise);font-size:1.3rem;align-self:center}
@media(max-width:720px){.svc a{grid-template-columns:auto 1fr}.svc .desc,.svc .go{display:none}}
.brandline{padding:clamp(3.5rem,7vw,5.5rem) 0;text-align:center;border-top:1px solid var(--line)}
.brandline .big{font-family:var(--display);font-weight:320;font-size:clamp(1.7rem,3.6vw,2.6rem);line-height:1.15;color:var(--navy);margin:0}
.brandline .sub{max-width:44ch;margin:1rem auto 0;color:var(--ink-soft)}
.journey{display:grid;grid-template-columns:repeat(4,1fr);gap:1rem;margin-top:2.5rem}
.stage{display:block}
.stage .img{aspect-ratio:3/4;border:1px solid var(--line)}
@media(max-width:820px){.journey{grid-template-columns:repeat(2,1fr)}}
.posts{display:grid;grid-template-columns:repeat(3,1fr);gap:1.5rem;margin-top:2.5rem}
.post{background:#fff;border:1px solid var(--line);padding:1.7rem 1.8rem;transition:transform .25s,box-shadow .25s;display:block}
.post:hover{transform:translateY(-3px);box-shadow:0 18px 44px rgba(0,32,91,.08)}
.post .meta{font-size:.7rem;letter-spacing:.1em;text-transform:uppercase;color:var(--gold);margin-bottom:.7rem}
.post h3{font-size:1.2rem;color:var(--navy);margin-bottom:.4em}
.post p{font-size:.95rem;margin:0}
@media(max-width:720px){.posts{grid-template-columns:1fr}}
.cta{background:var(--navy);color:#dfe6f1;position:relative;overflow:hidden}
.cta .wrap{padding:clamp(4rem,8vw,6rem) 0;text-align:center;position:relative;z-index:2}
.cta h2{color:#fff;font-weight:320}.cta .lead{color:#b9c4d8;margin:0 auto 2.2rem}
.cta .btn-primary{background:#fff;color:var(--navy)}.cta .btn-primary:hover{background:var(--gold-hi)}
.cta .motif2{position:absolute;left:-160px;bottom:-190px;width:560px;opacity:.07}
.site-footer{background:#001640;color:#c3cddd;padding:clamp(3.5rem,6vw,4.5rem) 0 2rem}
.site-footer h3{font-size:.72rem;letter-spacing:.16em;text-transform:uppercase;color:#8fa2c4;margin:0 0 1.1rem}
.site-footer a{color:#c3cddd}.site-footer a:hover{color:#fff}
.foot-sign{font-family:var(--display);font-weight:320;font-size:1.5rem;color:#fff;margin:0 0 2.5rem;padding-bottom:2rem;border-bottom:1px solid rgba(255,255,255,.12)}
.foot-sign em{font-style:italic;color:#7fd3d8}
.foot-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:2.5rem}
.foot-grid ul{list-style:none;margin:0;padding:0;font-size:.92rem;line-height:2}
.foot-brand{font-family:var(--display);font-size:1.5rem;color:#fff;font-weight:340}.foot-brand em{color:#7fd3d8;font-style:italic}
.legal{border-top:1px solid rgba(255,255,255,.12);margin-top:2.5rem;padding-top:1.5rem;font-size:.78rem;color:#8493ad;line-height:1.7}
@media(max-width:820px){.foot-grid{grid-template-columns:1fr 1fr}}
@media(max-width:520px){.foot-grid{grid-template-columns:1fr}}
.crumb{font-size:.72rem;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);margin-bottom:1.2rem}
.crumb a{color:var(--muted)}.crumb a:hover{color:var(--navy)}
.page-hero{padding:clamp(3rem,6vw,4.5rem) 0 clamp(1.2rem,2.5vw,1.8rem)}
.prose{max-width:44rem}
.prose h2{font-size:clamp(1.6rem,3vw,2.2rem);margin-top:2.2rem}
.prose h3{margin-top:1.6rem}
.prose ul{padding-left:0;list-style:none;margin:0 0 1.3em}
.prose ul li{position:relative;padding-left:1.6rem;margin-bottom:.6rem;color:var(--ink-soft)}
.prose ul li::before{content:'';position:absolute;left:0;top:.62em;width:.5rem;height:.5rem;background:var(--gold-lite);transform:rotate(45deg)}
.cardgrid{display:grid;grid-template-columns:repeat(auto-fill,minmax(300px,1fr));gap:1.2rem;margin-top:2rem}
.card2{display:block;background:#fff;border:1px solid var(--line);padding:1.6rem 1.7rem;transition:transform .25s,box-shadow .25s}
.card2:hover{transform:translateY(-3px);box-shadow:0 18px 44px rgba(0,32,91,.08)}
.card2 .k{font-size:.7rem;letter-spacing:.1em;text-transform:uppercase;color:var(--gold);margin-bottom:.5rem;font-weight:600}
.card2 h3{font-size:1.2rem;margin-bottom:.35em}
.card2 p{font-size:.95rem;margin:0;color:var(--ink-soft)}
.card2 .go{color:var(--turquoise);font-size:.72rem;letter-spacing:.08em;text-transform:uppercase;font-weight:600;margin-top:.9rem;display:inline-block}
.two{display:grid;grid-template-columns:1.3fr .9fr;gap:3rem;align-items:start}
@media(max-width:820px){.two{grid-template-columns:1fr;gap:2rem}}
.panel{background:var(--paper-2);border:1px solid var(--line);padding:1.8rem}
.panel h3{font-size:1.1rem}
.contactgrid{display:grid;grid-template-columns:repeat(2,1fr);gap:1.5rem;margin-top:2rem}
@media(max-width:640px){.contactgrid{grid-template-columns:1fr}}
.tri{display:grid;grid-template-columns:repeat(3,1fr);gap:2.5rem;margin-top:2.5rem}
.tri .n{font-family:var(--display);font-style:italic;color:var(--gold);font-size:1.1rem}
.tri h3{margin:.5rem 0 .3em}
@media(max-width:720px){.tri{grid-template-columns:1fr;gap:1.8rem}}
.team{display:grid;grid-template-columns:repeat(3,1fr);gap:1.8rem;margin-top:2.5rem}
.person .img{aspect-ratio:1/1;border:1px solid var(--line)}
.person h3{margin:1rem 0 .1em}
.person .role{color:var(--muted);font-size:.82rem;letter-spacing:.06em;text-transform:uppercase}
@media(max-width:720px){.team{grid-template-columns:1fr}}

/* --- insight article additions --- */
.disclaimer-box{background:var(--paper-2);border:1px solid var(--line);border-left:3px solid var(--gold-lite);padding:1.3rem 1.5rem;margin:2.5rem 0;max-width:44rem}
.disclaimer-box p{color:var(--muted);font-size:.88rem;line-height:1.65;margin:0 0 .75rem}
.disclaimer-box p:last-child{margin-bottom:0}
.prose a{color:var(--turquoise);text-decoration:underline;text-underline-offset:3px}
.prose a:hover{color:var(--navy)}
.prose strong{color:var(--ink)}
.prose h2{margin-top:2.2rem}

/* --- migrated page components --- */
.biz-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.2rem;margin-top:2.2rem}
@media(max-width:900px){.biz-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:600px){.biz-grid{grid-template-columns:1fr}}
.bcard{background:#fff;border:1px solid var(--line);border-top:3px solid var(--gold-lite);padding:1.6rem 1.7rem;display:flex;flex-direction:column;transition:transform .25s,box-shadow .25s}
.bcard:hover{transform:translateY(-3px);box-shadow:0 18px 44px rgba(0,32,91,.08)}
.bcard .k{font-size:.68rem;letter-spacing:.14em;text-transform:uppercase;color:var(--turquoise);font-weight:600;margin-bottom:.5rem}
.bcard h3{font-size:1.25rem;margin-bottom:.35em}
.bcard>p{font-size:.95rem;color:var(--ink-soft);margin:0 0 .6rem}
.bcard ul{list-style:none;padding:0;margin:.4rem 0 1.1rem}
.bcard li{position:relative;padding-left:1.15rem;font-size:.9rem;color:var(--ink-soft);margin-bottom:.4rem}
.bcard li::before{content:'';position:absolute;left:0;top:.55em;width:.4rem;height:.4rem;border-radius:50%;background:var(--turquoise)}
.bcard .go{margin-top:auto;color:var(--turquoise);font-size:.72rem;letter-spacing:.07em;text-transform:uppercase;font-weight:600}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:2rem;margin-top:2.5rem}
@media(max-width:820px){.steps{grid-template-columns:repeat(2,1fr)}}
@media(max-width:480px){.steps{grid-template-columns:1fr}}
.step .n{font-family:var(--display);font-style:italic;color:var(--gold-lite);font-size:1.5rem}
.step h4{font-family:var(--display);color:var(--navy);font-weight:430;font-size:1.05rem;margin:.35rem 0 .3em}
.step p{font-size:.92rem;margin:0}
.callout{background:var(--navy);color:#dfe6f1;padding:2rem 2.2rem;margin-top:2.5rem;display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:1.2rem}
.callout h3{color:#fff;font-weight:360;margin:0 0 .3em}
.callout p{color:#b9c4d8;margin:0;max-width:46ch;font-size:.98rem}
.callout .btn-primary{background:#fff;color:var(--navy)}.callout .btn-primary:hover{background:var(--gold-hi)}
.disc-note{border-top:1px solid var(--line);margin-top:3rem;padding-top:1.4rem;font-size:.82rem;color:var(--muted);max-width:60rem}

/* --- service page components --- */
.pills{display:flex;flex-wrap:wrap;gap:.5rem;margin-top:.7rem}
.pill{font-size:.72rem;letter-spacing:.03em;color:var(--turquoise);border:1px solid var(--line-2);padding:.35rem .75rem;border-radius:2rem;background:#fff}
.pill:hover{border-color:var(--turquoise);color:var(--navy)}
.faqs{margin-top:1.6rem;max-width:52rem}
.faq{border-top:1px solid var(--line);padding:1.2rem 0}
.faq:last-child{border-bottom:1px solid var(--line)}
.faq h3{font-size:1.05rem;margin-bottom:.3em}
.faq p{margin:0;font-size:.96rem}

/* --- life-stage components --- */
.statgrid{display:grid;grid-template-columns:repeat(4,1fr);gap:1.5rem;margin:2rem 0}
@media(max-width:820px){.statgrid{grid-template-columns:repeat(2,1fr)}}
.statbig{font-family:var(--display);color:var(--navy);font-weight:420;font-size:2.4rem;line-height:1}
.statlabel{font-size:.85rem;color:var(--ink-soft);margin-top:.45rem;line-height:1.4}
.qlist{list-style:none;padding:0;margin:1.6rem 0 0;display:grid;grid-template-columns:1fr 1fr;gap:0 2.5rem}
@media(max-width:700px){.qlist{grid-template-columns:1fr}}
.qlist li{position:relative;padding:.9rem 0 .9rem 1.7rem;color:var(--navy);font-family:var(--display);font-size:1.08rem;font-weight:380;border-bottom:1px solid var(--line)}
.qlist li::before{content:'?';position:absolute;left:0;top:.9rem;color:var(--gold-lite);font-style:italic;font-family:var(--display);font-size:1.1rem}
.card2.static{cursor:default}


/* --- richer footer --- */
.foot-grid{grid-template-columns:1.7fr repeat(5,1fr);gap:1.8rem 1.5rem}
@media(max-width:1040px){.foot-grid{grid-template-columns:1fr 1fr 1fr}}
@media(max-width:620px){.foot-grid{grid-template-columns:1fr 1fr}}
.foot-tag{color:#93a2bd;margin-top:1rem;max-width:24em}
.foot-offices{font-size:.86rem;line-height:1.55;color:#93a2bd;margin-top:1.3rem}
.foot-offices strong{color:#c3cddd;font-weight:600}
.site-footer h3{margin-top:0}
.foot-grid ul{margin-bottom:1.2rem}

/* --- richer footer --- */
.foot-grid{grid-template-columns:1.7fr repeat(5,1fr);gap:1.8rem 1.5rem}
@media(max-width:1040px){.foot-grid{grid-template-columns:1fr 1fr 1fr}}
@media(max-width:620px){.foot-grid{grid-template-columns:1fr 1fr}}
.foot-tag{color:#93a2bd;margin-top:1rem;max-width:24em}
.foot-offices{font-size:.86rem;line-height:1.55;color:#93a2bd;margin-top:1.3rem}
.foot-offices strong{color:#c3cddd;font-weight:600}
.site-footer h3{margin-top:0}
.foot-grid ul{margin-bottom:1.2rem}

/* --- ported (structured) pages --- */
.ported{max-width:46rem}
.ported h1{font-family:var(--display);color:var(--navy);font-weight:340;font-size:clamp(2rem,4vw,3rem);line-height:1.08;margin:0 0 .5em;letter-spacing:-.01em}
.ported h2{margin-top:2rem}
.ported h3{margin-top:1.4rem}
.ported table{width:100%;border-collapse:collapse;margin:1.5rem 0;font-size:.93rem}
.ported th,.ported td{border:1px solid var(--line);padding:.55rem .8rem;text-align:left}
.ported th{background:var(--paper-2);font-family:var(--display);font-weight:500;color:var(--navy)}
.ported a{color:var(--turquoise);text-decoration:underline;text-underline-offset:2px}
.ported ul,.ported ol{padding-left:1.2rem;margin:0 0 1.2em}
.ported li{margin-bottom:.4rem;color:var(--ink-soft)}

/* --- insights filter --- */
.filterbar{display:flex;flex-wrap:wrap;gap:.5rem;margin:2rem 0 .5rem}
.fbtn{font-size:.74rem;letter-spacing:.03em;padding:.45rem .95rem;border:1px solid var(--line-2);background:#fff;color:var(--ink-soft);border-radius:2rem;cursor:pointer;font-family:var(--serif);transition:all .2s}
.fbtn:hover{border-color:var(--turquoise);color:var(--navy)}
.fbtn.active{background:var(--navy);color:#fff;border-color:var(--navy)}

/* --- ported (structured) pages --- */
.ported{max-width:46rem}
.ported h1{font-family:var(--display);color:var(--navy);font-weight:340;font-size:clamp(2rem,4vw,3rem);line-height:1.08;margin:0 0 .5em;letter-spacing:-.01em}
.ported h2{margin-top:2rem}
.ported h3{margin-top:1.4rem}
.ported table{width:100%;border-collapse:collapse;margin:1.5rem 0;font-size:.93rem}
.ported th,.ported td{border:1px solid var(--line);padding:.55rem .8rem;text-align:left}
.ported th{background:var(--paper-2);font-family:var(--display);font-weight:500;color:var(--navy)}
.ported a{color:var(--turquoise);text-decoration:underline;text-underline-offset:2px}
.ported ul,.ported ol{padding-left:1.2rem;margin:0 0 1.2em}
.ported li{margin-bottom:.4rem;color:var(--ink-soft)}

/* --- team profile pages --- */
.prof-portrait{aspect-ratio:1/1;border:1px solid var(--line);overflow:hidden;margin-bottom:1.2rem;background:#e9e3d6}
.prof-portrait img{width:100%;height:100%;object-fit:cover;filter:saturate(.96)}
.profpanel{background:var(--paper-2);border:1px solid var(--line);padding:1.5rem}
.profpanel dl{margin:0}
.profpanel dt{font-size:.68rem;letter-spacing:.12em;text-transform:uppercase;color:var(--gold);margin-top:1rem;font-weight:600}
.profpanel dt:first-child{margin-top:0}
.profpanel dd{margin:.25rem 0 0;color:var(--ink-soft);font-size:.95rem;line-height:1.5}
.profpanel dd a{color:var(--turquoise)}
.cii-badge{margin-top:1.4rem;max-width:120px;height:auto}
.person a.pcard{text-decoration:none;display:block}
.person .readprofile{color:var(--turquoise);font-size:.72rem;letter-spacing:.07em;text-transform:uppercase;font-weight:600;margin-top:.7rem;display:inline-block}

/* --- polish for ported pages --- */
.ported > *:first-child{margin-top:0}
.ported p{margin:0 0 1.15em;line-height:1.62}
.ported h2{font-size:clamp(1.5rem,2.8vw,2rem);margin-top:2.3rem}
.ported h3{font-size:1.25rem;margin-top:1.6rem}
.ported blockquote{border-left:3px solid var(--gold-lite);margin:1.6rem 0;padding:.4rem 0 .4rem 1.4rem;color:var(--ink-soft);font-style:italic}
.ported hr{border:none;border-top:1px solid var(--line);margin:2.5rem 0}
.ported strong{color:var(--ink)}
.ported img{max-width:100%;height:auto;border:1px solid var(--line);margin:1.4rem 0}
.ported dl{margin:1.2rem 0}
.ported dt{font-family:var(--display);color:var(--navy);font-weight:500;margin-top:1rem}
.ported dd{margin:.2rem 0 0;color:var(--ink-soft)}

/* --- contact page --- */
.contact-two{display:grid;grid-template-columns:1.15fr .85fr;gap:3rem;align-items:start;margin-top:1rem}
@media(max-width:880px){.contact-two{grid-template-columns:1fr;gap:2rem}}
.form-embed{width:100%;min-height:640px;border:1px solid var(--line);border-radius:2px;background:#fff}
.contact-panel{background:var(--paper-2);border:1px solid var(--line);padding:1.8rem}
.contact-panel h3{font-size:1.05rem;margin:1.4rem 0 .2em}
.contact-panel h3:first-child{margin-top:0}
.contact-panel .lbl{font-size:.66rem;letter-spacing:.12em;text-transform:uppercase;color:var(--gold);font-weight:600;margin:1.1rem 0 .2rem}
.contact-panel p{margin:0;color:var(--ink-soft);font-size:.95rem;line-height:1.55}
.contact-panel a{color:var(--turquoise)}
.dp-note{font-size:.8rem;color:var(--muted);line-height:1.6;margin-top:1.5rem;max-width:60rem}

/* --- contact page --- */
.contact-two{display:grid;grid-template-columns:1.15fr .85fr;gap:3rem;align-items:start;margin-top:1rem}
@media(max-width:880px){.contact-two{grid-template-columns:1fr;gap:2rem}}
.form-embed{width:100%;min-height:640px;border:1px solid var(--line);border-radius:2px;background:#fff}
.contact-panel{background:var(--paper-2);border:1px solid var(--line);padding:1.8rem}
.contact-panel h3{font-size:1.05rem;margin:1.4rem 0 .2em}
.contact-panel h3:first-child{margin-top:0}
.contact-panel .lbl{font-size:.66rem;letter-spacing:.12em;text-transform:uppercase;color:var(--gold);font-weight:600;margin:1.1rem 0 .2rem}
.contact-panel p{margin:0;color:var(--ink-soft);font-size:.95rem;line-height:1.55}
.contact-panel a{color:var(--turquoise)}
.dp-note{font-size:.8rem;color:var(--muted);line-height:1.6;margin-top:1.5rem;max-width:60rem}

/* --- contact page --- */
.contact-two{display:grid;grid-template-columns:1.15fr .85fr;gap:3rem;align-items:start;margin-top:1rem}
@media(max-width:880px){.contact-two{grid-template-columns:1fr;gap:2rem}}
.form-embed{width:100%;min-height:640px;border:1px solid var(--line);border-radius:2px;background:#fff}
.contact-panel{background:var(--paper-2);border:1px solid var(--line);padding:1.8rem}
.contact-panel h3{font-size:1.05rem;margin:1.4rem 0 .2em}
.contact-panel h3:first-child{margin-top:0}
.contact-panel .lbl{font-size:.66rem;letter-spacing:.12em;text-transform:uppercase;color:var(--gold);font-weight:600;margin:1.1rem 0 .2rem}
.contact-panel p{margin:0;color:var(--ink-soft);font-size:.95rem;line-height:1.55}
.contact-panel a{color:var(--turquoise)}
.dp-note{font-size:.8rem;color:var(--muted);line-height:1.6;margin-top:1.5rem;max-width:60rem}

/* --- contact page --- */
.contact-two{display:grid;grid-template-columns:1.15fr .85fr;gap:3rem;align-items:start;margin-top:1rem}
@media(max-width:880px){.contact-two{grid-template-columns:1fr;gap:2rem}}
.form-embed{width:100%;min-height:640px;border:1px solid var(--line);border-radius:2px;background:#fff}
.contact-panel{background:var(--paper-2);border:1px solid var(--line);padding:1.8rem}
.contact-panel h3{font-size:1.05rem;margin:1.4rem 0 .2em}
.contact-panel h3:first-child{margin-top:0}
.contact-panel .lbl{font-size:.66rem;letter-spacing:.12em;text-transform:uppercase;color:var(--gold);font-weight:600;margin:1.1rem 0 .2rem}
.contact-panel p{margin:0;color:var(--ink-soft);font-size:.95rem;line-height:1.55}
.contact-panel a{color:var(--turquoise)}
.dp-note{font-size:.8rem;color:var(--muted);line-height:1.6;margin-top:1.5rem;max-width:60rem}

/* --- brand watermark + accents (site-wide) --- */
.page-hero{position:relative}
.page-hero > *{position:relative;z-index:1}
.page-hero::after{content:"";position:absolute;top:-.5rem;right:0;width:170px;height:170px;background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 300 300' fill='none' stroke='%2300205B' stroke-width='7'%3E%3Ccircle cx='198' cy='197' r='92'/%3E%3Ccircle cx='152' cy='102' r='92'/%3E%3Ccircle cx='95' cy='193' r='92'/%3E%3C/svg%3E") center/contain no-repeat;opacity:.05;pointer-events:none;z-index:0}
@media(max-width:760px){.page-hero::after{display:none}}

.brandline{position:relative;overflow:hidden}
.brandline > *{position:relative;z-index:1}
.brandline::before{content:"";position:absolute;left:50%;top:50%;transform:translate(-50%,-50%);width:360px;height:360px;background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 300 300' fill='none' stroke='%238a6d2f' stroke-width='6'%3E%3Ccircle cx='198' cy='197' r='92'/%3E%3Ccircle cx='152' cy='102' r='92'/%3E%3Ccircle cx='95' cy='193' r='92'/%3E%3C/svg%3E") center/contain no-repeat;opacity:.05;pointer-events:none;z-index:0}

.site-footer{position:relative;overflow:hidden}
.site-footer .wrap{position:relative;z-index:1}
.site-footer::after{content:"";position:absolute;right:-70px;bottom:-90px;width:340px;height:340px;background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 300 300' fill='none' stroke='%23ffffff' stroke-width='6'%3E%3Ccircle cx='198' cy='197' r='92'/%3E%3Ccircle cx='152' cy='102' r='92'/%3E%3Ccircle cx='95' cy='193' r='92'/%3E%3C/svg%3E") center/contain no-repeat;opacity:.04;pointer-events:none;z-index:0}

/* pull-quotes in prose */
.prose blockquote{border-left:3px solid var(--gold-lite);margin:1.8rem 0;padding:.5rem 0 .5rem 1.5rem;font-style:italic;color:var(--navy);font-family:var(--display);font-size:1.2rem;line-height:1.4;font-weight:360}
.prose blockquote p{color:var(--navy);margin:0}

/* a touch more presence on section eyebrows within heroes */
.page-hero .eyebrow{margin-bottom:1.1rem}

/* --- watermark v2: bigger, coloured, bleeding off-edge --- */
.page-hero::after{
  width:460px;height:460px;top:-4rem;right:-3.5rem;opacity:.18;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 300 300' fill='none' stroke-width='9'%3E%3Ccircle cx='198' cy='197' r='92' stroke='%23005357'/%3E%3Ccircle cx='152' cy='102' r='92' stroke='%2300205B'/%3E%3Ccircle cx='95' cy='193' r='92' stroke='%23b3893f'/%3E%3C/svg%3E");
}
@media(max-width:760px){.page-hero::after{display:block;width:260px;height:260px;top:-2rem;right:-2.5rem;opacity:.14}}

.brandline::before{
  width:520px;height:520px;opacity:.10;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 300 300' fill='none' stroke-width='8'%3E%3Ccircle cx='198' cy='197' r='92' stroke='%23005357'/%3E%3Ccircle cx='152' cy='102' r='92' stroke='%2300205B'/%3E%3Ccircle cx='95' cy='193' r='92' stroke='%23b3893f'/%3E%3C/svg%3E");
}

.site-footer::after{
  right:-90px;bottom:-110px;width:420px;height:420px;opacity:.09;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 300 300' fill='none' stroke-width='8'%3E%3Ccircle cx='198' cy='197' r='92' stroke='%237fd3d8'/%3E%3Ccircle cx='152' cy='102' r='92' stroke='%238fa2c4'/%3E%3Ccircle cx='95' cy='193' r='92' stroke='%23c8a25a'/%3E%3C/svg%3E");
}

/* a coloured motif on the CTA band too (behind the dark panel content) */
.cta .motif2{opacity:.12}

/* ================================================================
   BRAND PALETTE CORRECTION — per Aetas Wealth style guide
   Deep Blue #00205B · Clear Turquoise #009CA6 · Blue-toned Green #005F61
   (gold removed; turquoise is the signature / accent colour)
   ================================================================ */
:root{
  --turquoise:#009CA6;   /* Clear Turquoise — Pantone 320C — signature/CTA/links */
  --teal:#005F61;        /* Blue-toned Green — Pantone 323C */
  --gold:#005F61;        /* remapped: eyebrows & labels now blue-green */
  --gold-lite:#009CA6;   /* remapped: accents & numerals now turquoise */
  --gold-hi:#4ec3cb;     /* light turquoise for the accent gradient highlight */
}

/* watermark — three core brand colours, matched to the logo arrangement
   (top navy, left turquoise, right blue-green) */
.page-hero::after{
  opacity:.2;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 300 300' fill='none' stroke-width='9'%3E%3Ccircle cx='152' cy='102' r='92' stroke='%2300205B'/%3E%3Ccircle cx='95' cy='193' r='92' stroke='%23009CA6'/%3E%3Ccircle cx='198' cy='197' r='92' stroke='%23005F61'/%3E%3C/svg%3E");
}
.brandline::before{
  opacity:.11;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 300 300' fill='none' stroke-width='8'%3E%3Ccircle cx='152' cy='102' r='92' stroke='%2300205B'/%3E%3Ccircle cx='95' cy='193' r='92' stroke='%23009CA6'/%3E%3Ccircle cx='198' cy='197' r='92' stroke='%23005F61'/%3E%3C/svg%3E");
}
/* footer sits on dark navy, so navy would vanish — use light tints of the palette */
.site-footer::after{
  opacity:.09;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 300 300' fill='none' stroke-width='8'%3E%3Ccircle cx='152' cy='102' r='92' stroke='%23ffffff'/%3E%3Ccircle cx='95' cy='193' r='92' stroke='%2340c4cd'/%3E%3Ccircle cx='198' cy='197' r='92' stroke='%237fd3d8'/%3E%3C/svg%3E");
}

/* --- watermark v3: larger, lower, anchored to the hero SECTION --- */
.page-hero::after{display:none !important;}   /* retire the small hero-corner motif */

main#main > section:first-of-type{position:relative;overflow:hidden}
main#main > section:first-of-type > .wrap{position:relative;z-index:1}
main#main > section:first-of-type::after{
  content:"";position:absolute;top:52%;right:-4rem;transform:translateY(-46%);
  width:640px;height:640px;pointer-events:none;z-index:0;opacity:.15;
  background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 300 300' fill='none' stroke-width='8'%3E%3Ccircle cx='152' cy='102' r='92' stroke='%2300205B'/%3E%3Ccircle cx='95' cy='193' r='92' stroke='%23009CA6'/%3E%3Ccircle cx='198' cy='197' r='92' stroke='%23005F61'/%3E%3C/svg%3E") center/contain no-repeat;
}
@media(max-width:900px){
  main#main > section:first-of-type::after{width:360px;right:-4rem;opacity:.10;top:auto;bottom:1rem;transform:none}
}

/* --- watermark v3: larger, lower, anchored to the hero SECTION --- */
.page-hero::after{display:none !important;}   /* retire the small hero-corner motif */

main#main > section:first-of-type{position:relative;overflow:hidden}
main#main > section:first-of-type > .wrap{position:relative;z-index:1}
main#main > section:first-of-type::after{
  content:"";position:absolute;top:52%;right:-4rem;transform:translateY(-46%);
  width:640px;height:640px;pointer-events:none;z-index:0;opacity:.15;
  background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 300 300' fill='none' stroke-width='8'%3E%3Ccircle cx='152' cy='102' r='92' stroke='%2300205B'/%3E%3Ccircle cx='95' cy='193' r='92' stroke='%23009CA6'/%3E%3Ccircle cx='198' cy='197' r='92' stroke='%23005F61'/%3E%3C/svg%3E") center/contain no-repeat;
}
@media(max-width:900px){
  main#main > section:first-of-type::after{width:360px;right:-4rem;opacity:.10;top:auto;bottom:1rem;transform:none}
}

/* --- watermark removed (revisit later) --- */
.page-hero::after,
main#main > section:first-of-type::after,
.brandline::before,
.site-footer::after{display:none !important;}
main#main > section:first-of-type{overflow:visible}


/* --- author byline (E-E-A-T) --- */
.byline{font-family:var(--serif);font-size:.92rem;color:var(--ink-soft,#5b6167);margin:.15rem 0 1.6rem}
.byline a{color:var(--turquoise);text-decoration:none;font-weight:600}
.byline a:hover{text-decoration:underline}
.prose .byline,.ported .byline{margin:.15rem 0 1.4rem}


/* --- footer legal: sharper risk warning + teal legal links --- */
.site-footer .legal{color:#ffffff}
.site-footer .legal p,.site-footer .legal strong{color:#ffffff}
.site-footer .legal .risk{color:#ffffff;font-weight:600}
.site-footer .legal a{color:#33c2cc;font-weight:600;text-decoration:none}
.site-footer .legal a:hover{color:#ffffff;text-decoration:underline}


/* --- related internal-linking block --- */
.related-links{margin:2.5rem 0 0;padding:1.4rem 1.7rem;background:var(--paper-2);border:1px solid var(--line);border-radius:8px;max-width:44rem}
.related-links .eyebrow{margin:0 0 .6rem}
.related-links ul{list-style:none;padding:0;margin:0;display:grid;gap:.5rem}
.related-links li{padding:0}
.related-links a{color:var(--turquoise);font-weight:600;text-decoration:none}
.related-links a:hover{text-decoration:underline;color:var(--navy)}

.card2 .rk{display:inline-block;font-size:.7rem;letter-spacing:.12em;text-transform:uppercase;color:var(--turquoise);font-weight:700;margin-bottom:.35rem}

/* --- insights hero image --- */
.insights-hero-img img{width:100%;height:100%;object-fit:cover;display:block}
@media(max-width:760px){.insights-hero-img{display:none}}