:root {
  --green: #88b182;
  --green-deep: #355b43;
  --green-ink: #173a2a;
  --cream: #f7f4ed;
  --paper: #fffefa;
  --ink: #17211b;
  --muted: #58655d;
  --line: #d7dfd6;
  --gold: #b38b47;
  --shadow: 0 18px 50px rgba(23, 58, 42, .10);
  --radius: 20px;
  --max: 1180px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--ink);
  background: var(--paper);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  line-height: 1.65;
}
a { color: var(--green-deep); text-underline-offset: .2em; }
a:hover { color: var(--green-ink); }
img { max-width: 100%; height: auto; }
.skip-link { position: absolute; left: -9999px; top: 0; z-index: 100; background: #fff; color: #000; padding: .8rem 1rem; }
.skip-link:focus { left: 1rem; top: 1rem; }

.site-header {
  min-height: 84px;
  padding: .8rem max(1rem, calc((100vw - var(--max))/2));
  border-bottom: 1px solid var(--line);
  background: rgba(255,254,250,.97);
  display: flex;
  align-items: center;
  gap: 1.5rem;
  position: sticky;
  top: 0;
  z-index: 50;
}
.brand { display: inline-flex; align-items: center; gap: .55rem; flex: 0 0 auto; text-decoration: none; color: var(--ink); white-space: nowrap; }
.brand img:first-child { width: 76px; max-height: 62px; object-fit: contain; object-position: left center; }
.brand img:nth-of-type(2) { width: 76px; max-height: 34px; object-fit: contain; }
.brand-divider { width: 1px; height: 34px; background: var(--line); }
.broker-llc { font-weight: 800; font-size: .72rem; letter-spacing: .04em; }
.site-nav { margin-left: auto; display: flex; flex-wrap: wrap; justify-content: flex-end; gap: .25rem .75rem; }
.site-nav a { min-height: 44px; display: inline-flex; align-items: center; padding: .35rem .15rem; font-size: .82rem; font-weight: 750; text-decoration: none; color: var(--ink); }
.site-nav a:hover, .site-nav a:focus-visible { color: var(--green-deep); text-decoration: underline; }
.menu-button { display: none; min-width: 52px; min-height: 44px; margin-left: auto; border: 1px solid var(--green-deep); border-radius: 10px; background: #fff; color: var(--green-ink); font-weight: 800; }

.breadcrumbs { max-width: var(--max); margin: 0 auto; padding: 1rem 1rem 0; display: flex; gap: .6rem; align-items: center; font-size: .9rem; color: var(--muted); }
main { overflow: clip; }
.hero { max-width: var(--max); margin: 0 auto; padding: clamp(2rem, 6vw, 5.2rem) 1rem 2.5rem; display: grid; grid-template-columns: minmax(0, 1.35fr) minmax(260px, .65fr); gap: clamp(2rem, 6vw, 5rem); align-items: center; }
.eyebrow { margin: 0 0 .7rem; color: var(--green-deep); text-transform: uppercase; letter-spacing: .12em; font-size: .76rem; font-weight: 900; }
h1, h2, h3 { color: var(--green-ink); font-family: Georgia, "Times New Roman", serif; line-height: 1.14; text-wrap: balance; }
h1 { margin: 0; font-size: clamp(2.45rem, 6vw, 5rem); letter-spacing: -.035em; }
h2 { margin: 0 0 1rem; font-size: clamp(1.65rem, 3vw, 2.55rem); }
h3 { margin: 0 0 .5rem; font-size: 1.32rem; }
.answer-first { margin: 1.25rem 0 0; max-width: 760px; color: #33453a; font-size: clamp(1.05rem, 1.8vw, 1.3rem); line-height: 1.65; }
.identity-line { margin-top: 1.2rem; color: var(--muted); font-size: .92rem; font-weight: 700; }
.hero-actions { margin-top: 1.6rem; display: flex; flex-wrap: wrap; align-items: center; gap: .8rem 1.2rem; }
.button { min-height: 48px; display: inline-flex; align-items: center; justify-content: center; padding: .75rem 1.1rem; border: 2px solid var(--green-deep); border-radius: 999px; background: var(--green-deep); color: #fff; font-weight: 850; text-decoration: none; }
.button:hover, .button:focus-visible { background: var(--green-ink); color: #fff; }
.text-link { min-height: 44px; display: inline-flex; align-items: center; font-weight: 800; }
.advisor-card { margin: 0; padding: 1rem; border: 1px solid var(--line); border-radius: 160px 160px 24px 24px; background: linear-gradient(180deg, #e8f0e5, #fff); box-shadow: var(--shadow); }
.advisor-card img { width: 100%; height: min(470px, 53vw); display: block; object-fit: contain; object-position: center bottom; }
.advisor-card figcaption { padding: .9rem .5rem .25rem; display: grid; gap: .15rem; text-align: center; }
.advisor-card figcaption strong { font-family: Georgia, serif; font-size: 1.2rem; }
.advisor-card figcaption span { color: var(--muted); font-size: .83rem; }

.page-layout { max-width: var(--max); margin: 0 auto; padding: 1rem 1rem 4rem; display: grid; grid-template-columns: minmax(0, 1fr) 280px; gap: clamp(2rem, 5vw, 5rem); align-items: start; }
.page-layout > article { min-width: 0; }
.content-section { padding: clamp(1.8rem, 4vw, 3.2rem) 0; border-top: 1px solid var(--line); }
.content-section p { max-width: 790px; margin: 0 0 1rem; font-size: 1.04rem; }
.decision-nav { position: sticky; top: 104px; padding: 1.25rem; border: 1px solid var(--line); border-radius: var(--radius); background: var(--cream); }
.decision-nav h2 { font-size: 1.25rem; }
.decision-nav a { min-height: 44px; padding: .5rem 0; display: block; border-top: 1px solid #d8dfd5; font-size: .9rem; font-weight: 750; text-decoration: none; }
.card-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 1rem; }
.guide-card { min-height: 210px; padding: 1.25rem; border: 1px solid var(--line); border-radius: var(--radius); background: #fff; box-shadow: 0 10px 30px rgba(23,58,42,.06); color: var(--ink); text-decoration: none; }
.guide-card:hover, .guide-card:focus-visible { border-color: var(--green); transform: translateY(-2px); }
.guide-card span { color: var(--green-deep); font-weight: 850; }
.source-box { margin: 2rem 0; padding: clamp(1.4rem, 3vw, 2.2rem); border-left: 6px solid var(--green); border-radius: 0 var(--radius) var(--radius) 0; background: #eef4eb; }
.source-box h2 { font-size: 1.7rem; }
.source-box li { margin: .65rem 0; }
.download-box { display: flex; align-items: center; justify-content: space-between; gap: 24px; margin: 2rem 0; padding: clamp(1.4rem, 3vw, 2.2rem); border: 1px solid #bfd2bb; border-radius: var(--radius); background: linear-gradient(135deg, #e6f0e3, #f8f4ea); }
.download-box h2, .download-box p { margin-top: 0; }
.download-box .button { flex: 0 0 auto; }
.request-tool { margin: 2rem 0; padding: clamp(1.15rem, 3vw, 2rem); border: 2px solid var(--green); border-radius: var(--radius); background: #f6faf5; }
.request-tool h2 { margin-top: 0; }
.request-tool form { margin-top: 1.25rem; }
.form-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 1rem; }
.request-tool label { display: block; margin: 1rem 0 .35rem; color: var(--green-ink); font-weight: 800; }
.request-tool input, .request-tool select, .request-tool textarea { width: 100%; min-height: 48px; padding: .72rem .8rem; border: 1px solid #768779; border-radius: 8px; background: #fff; color: var(--ink); font: inherit; font-size: 1rem; }
.request-tool textarea { min-height: 150px; resize: vertical; }
.request-tool input:focus, .request-tool select:focus, .request-tool textarea:focus { border-color: var(--green-ink); outline: 3px solid rgba(136,177,130,.38); outline-offset: 2px; }
.request-tool button { margin-top: 1rem; }
.request-result { margin-top: 1.25rem; padding: 1.15rem; border-left: 5px solid var(--green); background: #fff; }
.request-result[hidden] { display: none; }
.table-wrap { max-width: 100%; overflow-x: auto; margin: 1.25rem 0; border: 1px solid var(--line); border-radius: var(--radius); background: #fff; }
.table-wrap:focus { outline: 3px solid #d7a94f; outline-offset: 3px; }
.table-hint { display: none; color: var(--muted); font-weight: 700; }
.evidence-ledger { width: 100%; min-width: 960px; border-collapse: collapse; font-size: .92rem; line-height: 1.5; }
.evidence-ledger caption { padding: 1rem; background: var(--cream); color: var(--green-ink); font-weight: 800; text-align: left; }
.evidence-ledger th, .evidence-ledger td { min-width: 210px; padding: 1rem; border-right: 1px solid var(--line); border-top: 1px solid var(--line); vertical-align: top; text-align: left; }
.evidence-ledger thead th { background: var(--green-ink); color: #fff; }
.evidence-ledger tbody th { background: #f3f7f1; color: var(--green-ink); }
.evidence-ledger td:last-child, .evidence-ledger th:last-child { border-right: 0; }
.faq-list { display: grid; gap: .75rem; }
details { border: 1px solid var(--line); border-radius: 14px; background: #fff; }
summary { min-height: 48px; padding: .9rem 1rem; display: flex; align-items: center; cursor: pointer; color: var(--green-ink); font-weight: 850; }
details p { padding: 0 1rem 1rem; margin: 0; }
.decision-cta { padding: clamp(2rem, 5vw, 4.5rem) max(1rem, calc((100vw - var(--max))/2)); background: var(--green-deep); color: #fff; display: flex; gap: 2rem; align-items: center; justify-content: space-between; }
.decision-cta h2, .decision-cta .eyebrow { color: #fff; }
.decision-cta p { max-width: 780px; }
.button-light { background: #fff; border-color: #fff; color: var(--green-ink); flex: 0 0 auto; }
.button-light:hover { background: var(--cream); color: var(--green-ink); }
.site-footer { padding: 3rem max(1rem, calc((100vw - var(--max))/2)); background: #101b14; color: #ecf2eb; display: grid; grid-template-columns: 1.3fr .7fr; gap: 2rem; }
.site-footer strong { font-family: Georgia, serif; font-size: 1.5rem; }
.site-footer a { min-height: 44px; padding: .15rem 0; display: block; color: #fff; }
.compliance { grid-column: 1 / -1; padding-top: 1.2rem; border-top: 1px solid #435147; color: #cbd5cd; font-size: .84rem; }

:focus-visible { outline: 3px solid #d7a94f; outline-offset: 3px; }
@media (max-width: 1000px) {
  .site-header { flex-wrap: wrap; }
  .menu-button { display: inline-flex; align-items: center; justify-content: center; }
  .site-nav { display: none; width: 100%; margin: 0; padding-top: .5rem; border-top: 1px solid var(--line); }
  .site-nav.open { display: grid; grid-template-columns: repeat(2, minmax(0,1fr)); }
  .site-nav a { padding: .6rem; }
  .page-layout { grid-template-columns: 1fr; }
  .decision-nav { position: static; display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 0 .8rem; }
  .decision-nav h2 { grid-column: 1 / -1; }
}
@media (max-width: 700px) {
  .table-hint { display: block; }
  .site-header { min-height: 72px; gap: .7rem; }
  .brand { gap: .35rem; }
  .brand img:first-child { width: 64px; }
  .brand img:nth-of-type(2) { width: 54px; }
  .broker-llc { font-size: .62rem; }
  .hero { grid-template-columns: 1fr; padding-top: 2.5rem; }
  .advisor-card { max-width: 390px; width: 100%; margin: 0 auto; }
  .advisor-card img { height: 430px; }
  .card-grid { grid-template-columns: 1fr; }
  .form-grid { grid-template-columns: 1fr; gap: 0; }
  .download-box { align-items: stretch; flex-direction: column; }
  .download-box .button { width: 100%; }
  .decision-cta { align-items: stretch; flex-direction: column; }
  .button-light { width: 100%; }
  .site-footer { grid-template-columns: 1fr; }
  .compliance { grid-column: auto; }
}
@media (max-width: 420px) {
  .brand img:first-child { width: 58px; }
  .brand img:nth-of-type(2) { width: 46px; }
  .brand-divider { height: 26px; }
  .broker-llc { max-width: 42px; white-space: normal; line-height: 1.1; }
  .decision-nav { grid-template-columns: 1fr; }
  .decision-nav h2 { grid-column: auto; }
}
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  * { transition: none !important; }
}