@import url('https://fonts.googleapis.com/css2?family=Cormorant+Garamond:wght@600;700&family=Montserrat:wght@400;600;700&display=swap');
:root{--navy:#00183d;--gold:#d6c08f;--ivory:#f5f0e8;--white:#ffffff;--ink:#00183d;--muted:#00183d;--line:#d6c08f}
*{box-sizing:border-box}
/* overflow-x:clip (not hidden) so the sticky header keeps working —
   hidden creates a scroll container that breaks position:sticky. */
html,body{overflow-x:clip}
img,video,iframe{max-width:100%}
body{margin:0;font-family:Montserrat,Arial,Helvetica,sans-serif;color:var(--navy);background:var(--ivory);line-height:1.6}
a{color:var(--navy)}
h1,h2,h3{font-family:'Cormorant Garamond',Georgia,serif;color:var(--navy);line-height:1.15}
h2{font-size:40px;margin:0 0 12px}
h3{font-size:22px;margin:0 0 8px}
p{margin:0 0 16px}
.eyebrow{color:var(--navy);border-bottom:3px solid var(--gold);display:inline-block;padding-bottom:6px;letter-spacing:3px;font-size:13px;font-weight:700;text-transform:uppercase}
.kicker{color:var(--gold);letter-spacing:3px;font-size:13px;font-weight:700;text-transform:uppercase}
header{position:sticky;top:0;z-index:10;background:var(--navy);border-bottom:2px solid var(--gold);padding:10px 32px;display:flex;gap:24px;align-items:center;justify-content:space-between;box-shadow:0 2px 12px rgba(0,24,61,.08)}
.brand img{height:76px;width:auto;display:block;border-radius:0;box-shadow:none;background:var(--navy)}
nav{display:flex;gap:28px;align-items:center;margin-left:auto;white-space:nowrap}
nav a{color:#ffffff;text-decoration:none;font-size:20px;font-family:'Cormorant Garamond',Georgia,serif;font-weight:700}
nav a:hover{color:var(--gold);border-bottom:3px solid var(--gold)}
nav a.active{border-bottom:3px solid var(--gold);padding-bottom:4px}
.header-cta{background:var(--gold);color:var(--navy);padding:10px 20px;border-radius:999px;font-weight:700;text-decoration:none;white-space:nowrap}
.header-cta:hover{background:#ffffff;color:var(--navy)}
main{padding-bottom:0}
section,.band{padding:72px 20px}
.faq-band{padding:48px 20px}
.wrap{max-width:1080px;margin:0 auto}
.band-white{background:var(--white)}
.band-ivory{background:var(--ivory)}
.band-light{background:#f5f0e8}
.btn{display:inline-block;background:var(--gold);color:var(--navy);text-decoration:none;padding:14px 28px;border-radius:999px;font-weight:700;margin:4px 8px 4px 0}
.btn:hover{background:var(--navy);color:#ffffff}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--gold);color:var(--navy)}
.btn-outline-light{background:transparent;color:#fff;border:2px solid #fff}
.btn-outline-light:hover{background:#ffffff;color:var(--navy)}
.link-cta{color:var(--navy);font-weight:700;text-decoration:none;border-bottom:2px solid var(--gold)}
.cinematic-hero{position:relative;background:var(--navy);overflow:hidden}
.cinematic-hero img.hero-img{display:block;width:100%;height:auto}
/* PREMIUM HERO — Alex's style: one full-bleed image, edge to edge, 16:9.
   Text sits directly on the image in its calm left half.
   NO background box behind the text. The image
   itself does the work — Home left half is bright sky, Tax left half is a
   calm pale wall, Credit left half is calm light wood. */
.cinematic-hero .hero-text{position:absolute;left:0;top:0;bottom:0;width:52%;z-index:2;box-sizing:border-box;background:none;padding:32px 24px 32px 48px;display:flex;flex-direction:column;justify-content:center;text-align:left}
.cinematic-hero .hero-text .wrap{max-width:560px;margin:0}
/* Home + Tax: bright calm left half, so dark-navy serif headline (Potts style) */
.hero-home .hero-text h1,.hero-tax .hero-text h1{color:var(--navy);font-size:54px;max-width:560px;margin:12px 0}
.hero-home .hero-text p,.hero-tax .hero-text p{color:var(--navy);max-width:520px;font-size:18px}
.hero-home .hero-text .kicker,.hero-tax .hero-text .kicker{color:var(--navy);border-bottom:3px solid var(--gold);display:inline-block;padding-bottom:6px}
/* Home, Potts style: solid dark primary + outlined secondary, bottom-left */
.hero-home .hero-text .btn{background:var(--navy);color:#ffffff}
.hero-home .hero-text .btn:hover{background:var(--gold);color:var(--navy)}
.hero-home .hero-text .btn-outline-light{background:transparent;color:var(--navy);border:2px solid var(--navy)}
.hero-home .hero-text .btn-outline-light:hover{background:var(--navy);color:#ffffff}
/* Tax: one solid gold CTA (Tax Solutions style) — default .btn gold is kept */
.hero-navy{background:var(--navy);color:#fff;padding:80px 20px}
/* About: the solid-navy hero was too much blue on its own — shrink it and
   give the white section under it a gold top rule so the blue stops cleanly.
   The navy button directly under the hero is now gold, so no large navy
   block sits under the hero. Hero headline/copy unchanged. */
.about-hero{padding:56px 20px}
.about-first{border-top:3px solid var(--gold)}
.hero-navy h1{color:#fff;font-size:54px;margin:12px 0}
.hero-navy p{color:#f5f0e8;max-width:680px;font-size:18px}
.hero-center{background:var(--navy);color:#fff;padding:80px 20px;text-align:center}
.hero-center h1{color:#fff;font-size:54px;margin:12px 0}
.hero-center p{color:#f5f0e8;max-width:680px;margin:0 auto 16px;font-size:18px}
/* Credit: real photo, light wooden desk, calm open left half, so dark-navy
   serif headline directly on the light wood (Potts style), NO wash, NO
   fade, NO split, NO shade. Text is narrowed to 40% so it stays clear of
   the gold card at centre-right. Gold CTA is the default .btn. */
.credit-hero .hero-text{display:flex;flex-direction:column;align-items:flex-start;justify-content:center;text-align:left;top:0;bottom:0;width:40%;background:none;padding:32px 24px 32px 48px}
.credit-hero .hero-text h1{color:var(--navy);font-size:54px;max-width:560px;margin:12px 0}
.credit-hero .hero-text p{color:var(--navy);max-width:520px;font-size:18px}
.credit-hero .hero-text .kicker{color:var(--navy);border-bottom:3px solid var(--gold);display:inline-block;padding-bottom:6px}
.trust-strip{text-align:center;padding:18px 20px;background:#fff;border-bottom:1px solid var(--line);font-size:15px}
.trust-strip span{margin:0 12px;white-space:nowrap}
.trust-strip .dot{color:var(--gold)}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:20px;margin-top:24px}
.card{background:#fff;border:1px solid var(--line);border-radius:12px;padding:28px;box-shadow:0 2px 8px rgba(0,24,61,.08)}
.card p{color:var(--muted)}
.card img.card-img{width:100%;height:180px;object-fit:cover;border-radius:8px;display:block;margin-bottom:16px}
.split{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:center;max-width:1080px;margin:0 auto}
.split img{width:100%;height:auto;border-radius:12px;display:block}
.price{font-family:'Cormorant Garamond',Georgia,serif;font-size:30px;color:var(--navy);font-weight:700}
.checklist{list-style:none;padding:0;max-width:640px}
.checklist li{padding:10px 0;border-bottom:1px solid var(--line);font-size:18px}
.checklist li::before{content:"\2713  ";color:var(--navy);font-weight:700}
.steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:20px;margin-top:24px}
.step-num{font-family:'Cormorant Garamond',Georgia,serif;font-size:52px;color:var(--navy);line-height:1}
details{border:1px solid var(--line);border-radius:12px;background:#fff;padding:18px 22px;margin:12px 0}
details summary{font-weight:700;cursor:pointer;font-size:17px}
details p{color:var(--muted);margin:12px 0 0}
.final-cta{background:var(--ivory);color:var(--navy);text-align:center;padding:72px 20px;border-top:3px solid var(--gold)}
.final-cta h2{color:var(--navy)}
.final-cta p{color:var(--navy);max-width:640px;margin:0 auto 20px}
.video-placeholder{background:var(--navy);border:2px solid var(--gold);border-radius:12px;padding:40px 28px;text-align:center;color:#fff;margin:24px 0}
.video-placeholder h3{color:var(--gold)}
.video-placeholder p{color:#f5f0e8}
.video-placeholder .tag{display:inline-block;background:var(--gold);color:var(--navy);font-size:12px;font-weight:700;letter-spacing:2px;text-transform:uppercase;padding:6px 14px;border-radius:999px;margin-bottom:12px}
.video-embed{margin:24px 0}
.video-embed video{width:100%;height:auto;display:block;border-radius:12px;background:#000}
.form-card{background:#fff;border:1px solid var(--line);border-radius:12px;padding:28px;max-width:640px;margin:0 auto;box-shadow:0 2px 12px rgba(0,24,61,.08)}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
label{display:block;font-weight:700;margin:14px 0 4px}
input,textarea,select{width:100%;padding:12px;border:1px solid #d6c08f;border-radius:4px;font-size:16px;font-family:Montserrat,Arial,sans-serif}
button{background:var(--gold);color:var(--navy);border:0;padding:14px 28px;border-radius:999px;font-size:16px;font-weight:700;cursor:pointer;margin-top:18px}
.checkbox-row{display:flex;gap:10px;align-items:flex-start;font-size:14px;color:var(--muted);margin-top:16px}
.checkbox-row input{width:auto;margin-top:4px}
.form-note{font-size:14px;color:var(--muted)}
.notice{display:none;background:#f5f0e8;border:1px solid #d6c08f;border-radius:8px;padding:18px;margin-top:18px}
.calendar-frame{width:100%;height:720px;border:1px solid var(--line);border-radius:12px;background:#fff}
footer{background:var(--ivory);color:var(--navy);padding:60px 32px 20px;font-size:15px;border-top:3px solid var(--gold)}
.footer-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:48px;max-width:1080px;margin:0 auto;text-align:left;align-items:start}
.footer-grid img{height:76px;width:auto;border-radius:0;box-shadow:none;background:transparent}
.footer-col h4{color:var(--navy);border-bottom:3px solid var(--gold);padding-bottom:6px;font-size:13px;letter-spacing:2px;text-transform:uppercase;margin:0 0 16px;font-family:Montserrat,Arial,sans-serif}
.footer-col a{color:var(--navy);text-decoration:none;display:block;margin:8px 0}
.footer-col a:hover{text-decoration:underline}
.footer-bottom{max-width:1080px;margin:32px auto 0;padding-top:16px;border-top:1px solid var(--gold);display:flex;justify-content:space-between;gap:16px;font-size:13px;color:rgba(0,24,61,.75);flex-wrap:wrap}
.footer-bottom a{color:var(--navy)}
.compliance{text-align:center;font-size:12px;color:rgba(0,24,61,.75);margin-top:8px}
.legal h2{font-size:28px;margin-top:36px}
.legal h3{font-size:20px;margin-top:24px}
.legal p,.legal li{color:#00183d}
@media (max-width:700px){
  /* Header: stack cleanly — logo centred on top, nav in one centred row below.
     Previously the logo + 4 nav links wrapped into 2-3 ragged rows and the
     sticky header ate ~150px of a 360px viewport. */
  header{flex-direction:column;justify-content:center;align-items:center;padding:10px 12px 8px;gap:6px}
  .brand img{height:48px}
  nav{margin-left:0;gap:18px;flex-wrap:nowrap;justify-content:center;white-space:nowrap}
  nav a{font-size:15px}
  .header-cta{display:none}
  /* Home/Credit hero on mobile: text sits BELOW the image on Warm Ivory,
     NOT a solid navy block. The navy hero-text block under the image was
     the "too much blue" Alex flagged — ivory band, navy text, gold accents. */
  .cinematic-hero .hero-text{position:static;width:auto;display:block;text-align:left;background:var(--ivory);padding:28px 20px 36px}
  .cinematic-hero .hero-text h1{color:var(--navy)}
  .cinematic-hero .hero-text p{color:var(--navy)}
  .cinematic-hero .hero-text .kicker{color:var(--navy);border-bottom:3px solid var(--gold);display:inline-block;padding-bottom:6px}
  .cinematic-hero .hero-text .btn-outline-light{background:transparent;color:var(--navy);border:2px solid var(--navy)}
  .credit-hero .hero-text{position:static;width:auto;display:block;text-align:left;background:var(--ivory);padding:28px 20px 36px}
  .credit-hero .hero-text h1{color:var(--navy)}
  .credit-hero .hero-text p{color:var(--navy)}
  .credit-hero .hero-text .kicker{color:var(--navy);border-bottom:3px solid var(--gold);display:inline-block;padding-bottom:6px}
  .cinematic-hero .hero-text h1,.hero-navy h1,.hero-center h1{font-size:32px}
  .cinematic-hero .hero-text p,.hero-navy p,.hero-center p{font-size:16px}
  .hero-navy,.hero-center{padding:48px 20px}
  .credit-hero .hero-text{padding:36px 20px}
  h2{font-size:30px}
  h3{font-size:20px}
  section,.band{padding:40px 20px}
  .split{grid-template-columns:1fr;gap:24px}
  .split-video{grid-template-columns:1fr;gap:24px}
  .cards{gap:16px}
  .card{padding:20px}
  .card img.card-img{height:160px}
  .trust-strip{font-size:14px;padding:14px 12px}
  .trust-strip span{white-space:normal;display:inline-block;margin:4px 6px}
  .price-card{padding:24px 18px}
  .price-card .price{font-size:36px}
  .checklist li{font-size:16px}
  .steps{gap:16px}
  .step-num{font-size:44px}
  .btn{padding:12px 20px;font-size:15px}
  details{padding:16px}
  details summary{font-size:16px}
  .form-card{padding:20px}
  .form-row{grid-template-columns:1fr}
  .calendar-frame{height:560px;border-radius:8px}
  .video-band{margin:20px auto 0}
  .final-cta{padding:48px 20px}
  footer{padding:40px 20px 16px}
  .footer-grid{grid-template-columns:1fr;gap:24px}
  .footer-grid img{height:52px}
  .footer-bottom{font-size:12px;gap:8px}
}
@media (max-width:400px){
  .brand img{height:44px}
  nav{gap:12px}
  nav a{font-size:14px}
  .cinematic-hero .hero-text h1,.hero-navy h1,.hero-center h1{font-size:30px}
  h2{font-size:28px}
}

/* Credit layout: professional About-page structure, kit colours only */
.split-video{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:center;max-width:1080px;margin:0 auto}
.split-video .video-embed{margin:0}
.why-num{font-family:'Cormorant Garamond',Georgia,serif;font-size:44px;color:var(--navy);line-height:1;border-bottom:3px solid var(--gold);display:inline-block;padding-bottom:8px;margin-bottom:12px}
/* Gold icon chip (Fin Advisory / Tax Solutions style): small gold square,
   navy icon, thin gold rule under the title. Used on Credit Why Choose. */
.icon-chip{display:inline-flex;align-items:center;justify-content:center;width:56px;height:56px;background:var(--gold);border-radius:12px;margin-bottom:16px}
.icon-chip + h3{border-bottom:3px solid var(--gold);display:inline-block;padding-bottom:8px}
.card .card-img{width:100%;height:180px;object-fit:cover;border-radius:8px;display:block;margin-bottom:16px}
.price-card{background:#ffffff;border:2px solid var(--gold);border-top:8px solid var(--gold);border-radius:12px;padding:36px 32px;max-width:640px;margin:24px auto 0;text-align:center;box-shadow:0 4px 16px rgba(0,24,61,.08)}
.price-card .price{font-size:44px}
.price-card .checklist{margin:0 auto;text-align:left}
.price-card .checklist li{border-bottom:1px solid var(--gold)}
.video-band{max-width:760px;margin:28px auto 0}
.section-intro{max-width:680px}
/* Mobile rules are consolidated in the @media (max-width:700px) block above;
   the old duplicate rule that forced .brand img to 60px on mobile is removed. */

/* ===== HOMEPAGE REDESIGN 2026-11-10 — new homepage sections only.
   Scoped to the new homepage classes, so the other 10 pages are unaffected.
   Brand colours stay the live site's #00183D / #D6C08F. ===== */

/* --- Header: dropdown nav, phone, gold Schedule button --- */
.site-header .brand img{height:64px}
.main-nav{display:flex;gap:26px;align-items:center;margin-left:auto;white-space:nowrap}
.main-nav>a{color:#fff;text-decoration:none;font-family:Montserrat,Arial,sans-serif;font-size:15px;font-weight:700;letter-spacing:.3px}
.main-nav>a:hover{color:var(--gold);border-bottom:3px solid var(--gold)}
.main-nav>a.active{border-bottom:3px solid var(--gold);padding-bottom:4px}
.nav-drop{position:relative}
.nav-drop>a{color:#fff;text-decoration:none;font-family:Montserrat,Arial,sans-serif;font-size:15px;font-weight:700;letter-spacing:.3px;display:inline-flex;align-items:center;gap:4px}
.nav-drop>a:hover{color:var(--gold);border-bottom:3px solid var(--gold)}
.nav-drop .caret{font-size:11px;color:var(--gold)}
.drop-menu{display:none;position:absolute;top:calc(100% + 10px);left:50%;transform:translateX(-50%);min-width:220px;background:#fff;border:1px solid var(--line);border-top:3px solid var(--gold);border-radius:0 0 12px 12px;box-shadow:0 12px 28px rgba(0,24,61,.18);padding:8px 0;z-index:20}
.nav-drop:hover .drop-menu,.nav-drop:focus-within .drop-menu{display:block}
.drop-menu a{display:block;color:var(--navy);text-decoration:none;font-family:Montserrat,Arial,sans-serif;font-size:15px;font-weight:600;padding:10px 18px;white-space:nowrap}
.drop-menu a:hover{background:var(--ivory)}
.nav-phone{color:#fff;text-decoration:none;font-family:Montserrat,Arial,sans-serif;font-size:15px;font-weight:700;display:inline-flex;align-items:center;gap:8px;white-space:nowrap}
.nav-phone svg{width:17px;height:17px;stroke:var(--gold);fill:none;stroke-width:2}
.nav-phone:hover{color:var(--gold)}
.nav-toggle{display:none}
.nav-toggle-label{display:none}

/* --- Split hero: preserved artwork left, navy panel right --- */
.split-hero{display:grid;grid-template-columns:55% 45%;background:var(--navy)}
.split-hero-media{min-height:520px}
.split-hero-media img{width:100%;height:100%;object-fit:cover;object-position:center 60%;display:block}
.split-hero-panel{background:var(--navy);color:#fff;padding:64px 56px;display:flex;flex-direction:column;justify-content:center}
.split-hero-panel .kicker{color:var(--gold);letter-spacing:3px;font-size:13px}
.split-hero-panel h1{color:#fff;font-size:52px;margin:14px 0 16px}
.split-hero-panel h1 em{color:var(--gold);font-style:italic}
.split-hero-panel p{color:#f5f0e8;font-size:17px;max-width:480px}
.split-hero-panel .btn{align-self:flex-start}
.hero-link{color:#fff;font-weight:700;text-decoration:none;display:inline-flex;align-items:center;gap:10px;margin-left:10px;white-space:nowrap}
.hero-link .arrow{display:inline-flex;align-items:center;justify-content:center;width:34px;height:34px;border-radius:50%;background:var(--gold);color:var(--navy);font-size:22px;line-height:1}
.hero-link:hover{color:var(--gold)}

/* --- Credibility ribbon --- */
.cred-ribbon{background:#fff;border-bottom:1px solid var(--line);padding:22px 20px}
.cred-ribbon-inner{display:grid;grid-template-columns:repeat(4,1fr);max-width:1080px;margin:0 auto}
.cred-item{display:flex;align-items:center;gap:14px;padding:0 24px;border-left:1px solid var(--gold)}
.cred-item:first-child{border-left:0;padding-left:0}
.cred-item svg{width:34px;height:34px;flex:0 0 34px;stroke:var(--navy);fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.cred-item span{font-size:15px;line-height:1.35;color:var(--navy)}
.cred-item strong{display:block;font-size:15px}

/* --- Section heads (centred eyebrow with gold rules) --- */
.section-head{text-align:center;margin-bottom:36px}
.section-head .eyebrow{display:inline-flex;align-items:center;gap:14px;border-bottom:0;padding-bottom:0}
.section-head .eyebrow::before,.section-head .eyebrow::after{content:"";width:48px;height:2px;background:var(--gold)}
.section-head h2{margin-top:12px}

/* --- Who We Serve cards --- */
.serve-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.serve-card{display:flex;background:#fff;border:1px solid var(--line);border-radius:14px;overflow:hidden;text-decoration:none;box-shadow:0 4px 16px rgba(0,24,61,.10);transition:transform .25s ease,box-shadow .25s ease;position:relative}
.serve-card::after{content:"";position:absolute;left:0;right:0;bottom:0;height:16px;background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 400 16' preserveAspectRatio='none'%3E%3Cpath d='M0 10 C 60 0 120 16 200 9 C 280 2 340 16 400 9 L 400 16 L 0 16 Z' fill='%23d6c08f'/%3E%3C/svg%3E") no-repeat bottom/100% 16px;pointer-events:none}
.serve-card:hover{transform:translateY(-4px);box-shadow:0 12px 28px rgba(0,24,61,.16)}
.serve-card img{width:42%;object-fit:cover;display:block}
.serve-body{padding:20px 16px 48px;flex:1;display:block}
.serve-title{display:block;font-family:'Cormorant Garamond',Georgia,serif;font-size:21px;font-weight:700;color:var(--navy);line-height:1.15;margin-bottom:6px}
.serve-text{display:block;font-size:14px;color:var(--muted);line-height:1.5}
.gold-arrow{position:absolute;right:14px;bottom:12px;width:30px;height:30px;border-radius:50%;background:var(--gold);color:var(--navy);display:flex;align-items:center;justify-content:center;font-size:20px;font-weight:700;line-height:1}

/* --- Our Services navy cards --- */
.svc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.svc-card{display:flex;background:var(--navy);border:2px solid var(--gold);border-radius:14px;overflow:hidden;text-decoration:none;box-shadow:0 4px 16px rgba(0,24,61,.16);transition:transform .25s ease,box-shadow .25s ease;position:relative}
.svc-card:hover{transform:translateY(-4px);box-shadow:0 14px 30px rgba(0,24,61,.28)}
.svc-card::after{content:"";position:absolute;left:0;right:0;bottom:0;height:16px;background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 400 16' preserveAspectRatio='none'%3E%3Cpath d='M0 10 C 60 0 120 16 200 9 C 280 2 340 16 400 9 L 400 16 L 0 16 Z' fill='%23d6c08f'/%3E%3C/svg%3E") no-repeat bottom/100% 16px;pointer-events:none}
.svc-card img{width:46%;object-fit:cover;display:block}
.svc-body{padding:24px 18px;flex:1;display:block;border-left:1px solid rgba(214,192,143,.5)}
.svc-title{display:block;font-family:'Cormorant Garamond',Georgia,serif;font-size:22px;font-weight:700;color:#fff;line-height:1.15;margin-bottom:8px}
.svc-text{display:block;font-size:14px;color:#f5f0e8;line-height:1.55}

/* --- Meet the CEO --- */
.ceo-band{background:var(--navy);color:#fff;padding:64px 0 0}
.ceo-grid{display:grid;grid-template-columns:320px 1fr 280px;gap:48px;align-items:center;max-width:1080px;margin:0 auto;padding:0 20px}
.ceo-photo{width:100%;height:auto;min-height:440px;align-self:stretch;object-fit:cover;object-position:top;border-radius:0;display:block;border:0}
.ceo-gold{height:26px;background:linear-gradient(90deg,#b8934a,#d6c08f,#f0dcae,#c9a85c,#d6c08f)}
.ceo-main .kicker{color:var(--gold);border-bottom:3px solid var(--gold);display:inline-block;padding-bottom:6px}
.ceo-main h2{color:#fff;font-size:44px;margin:10px 0 0}
.ceo-main .ceo-title{color:var(--gold);font-family:'Cormorant Garamond',Georgia,serif;font-size:24px;font-weight:700;margin:0 0 14px}
.ceo-main p{color:#fff;max-width:520px}
.link-cta-light{color:var(--gold);border-bottom-color:var(--gold)}
.ceo-checks{list-style:none;margin:0;padding:0 0 0 28px;border-left:1px solid var(--gold)}
.ceo-checks li{padding:10px 0 10px 40px;position:relative;font-weight:600;font-size:16px;color:#fff}
.ceo-checks li::before{content:"\2713";position:absolute;left:0;top:10px;width:26px;height:26px;border-radius:50%;background:var(--gold);color:var(--navy);display:flex;align-items:center;justify-content:center;font-size:14px;font-weight:700}

/* --- Redesign responsive rules --- */
@media (max-width:1020px){
  .split-hero-panel{padding:48px 32px}
  .split-hero-panel h1{font-size:40px}
  .hero-dra .hero-text{position:static;left:auto;right:auto;width:auto;display:block;text-align:left;background:var(--ivory);padding:28px 20px 36px}
  .hero-dra .hero-text h1{font-size:36px}
  .serve-grid,.svc-grid{grid-template-columns:1fr;max-width:560px;margin:0 auto}
  .ceo-grid{grid-template-columns:280px 1fr}
  .ceo-checks{grid-column:1/-1;display:grid;grid-template-columns:1fr 1fr;gap:0 32px;border-left:0;padding:0}
}
@media (max-width:700px){
  .site-header{flex-direction:row;flex-wrap:wrap;justify-content:space-between;align-items:center;padding:10px 16px;gap:8px}
  .site-header .brand img{height:48px}
  .nav-toggle-label{display:flex;flex-direction:column;gap:5px;cursor:pointer;padding:8px}
  .nav-toggle-label span{display:block;width:26px;height:3px;background:var(--gold);border-radius:2px}
  .main-nav{display:none;flex-direction:column;align-items:flex-start;gap:0;width:100%;margin-left:0;white-space:normal}
  .nav-toggle:checked ~ .main-nav{display:flex}
  .main-nav>a,.nav-drop>a{display:block;width:100%;padding:12px 0;border-bottom:1px solid rgba(255,255,255,.15);font-size:16px}
  .main-nav>a:hover,.nav-drop>a:hover{border-bottom:1px solid rgba(255,255,255,.15)}
  .nav-drop{width:100%}
  .nav-drop .caret{display:none}
  .drop-menu{position:static;transform:none;display:block;background:transparent;border:0;box-shadow:none;padding:0 0 0 16px;min-width:0}
  .drop-menu a{color:#f5f0e8;padding:9px 0;font-size:15px}
  .drop-menu a:hover{background:transparent;color:var(--gold)}
  .main-nav .nav-phone{padding:14px 0 4px}
  .main-nav .header-cta{display:inline-block;margin:12px 0 8px}
  .split-hero{grid-template-columns:1fr}
  .split-hero-media{min-height:0;height:260px}
  .split-hero-panel{padding:36px 20px 44px}
  .split-hero-panel h1{font-size:36px}
  .split-hero-panel p{font-size:16px}
  .hero-link{margin-left:0;margin-top:8px}
  .cred-ribbon-inner{grid-template-columns:1fr 1fr;gap:16px 0}
  .cred-item{padding:0 12px}
  .cred-item:nth-child(3){border-left:0;padding-left:0}
  .cred-item svg{width:28px;height:28px;flex-basis:28px}
  .cred-item span,.cred-item strong{font-size:13px}
  .section-head .eyebrow::before,.section-head .eyebrow::after{width:24px}
  .serve-card,.svc-card{flex-direction:column}
  .serve-card img{width:100%;height:190px}
  .svc-card img{width:100%;height:auto;aspect-ratio:1/1}
  .serve-body{padding:20px 18px 44px}
  .svc-body{border-left:0;border-top:1px solid rgba(214,192,143,.5)}
  .ceo-band{padding-top:48px}
  .ceo-grid{grid-template-columns:1fr;gap:28px}
  .ceo-photo{order:3;height:340px;min-height:0}
  .ceo-main h2{font-size:34px}
  .ceo-checks{grid-template-columns:1fr}
}

/* --- Full-bleed hero (hero-dra): evening image, dark navy sky on the left,
   desk scene (gold DRA coin, globe, calculator, plaque) on the right.
   Headline on the calm dark sky on the left in white/gold. No wash, no split,
   no shade — text sits directly on the image. Desktop only: the left-side
   overlay position must NOT leak into tablet/mobile, where the text drops
   below the image as a full-width ivory band. --- */
.hero-dra .hero-text h1{color:var(--navy);max-width:560px;margin:12px 0}
.hero-dra .hero-text h1 em{color:var(--navy);font-style:italic}
.hero-dra .hero-text .hero-swoosh{display:block;width:280px;height:18px;margin:2px 0 20px}
.hero-dra .hero-text p{color:var(--navy);max-width:520px;font-size:18px}
.hero-dra .hero-text .btn{background:var(--gold);color:var(--navy)}
.hero-dra .hero-text .btn:hover{background:#fff;color:var(--navy)}
.hero-dra .hero-text .btn-outline{background:transparent;color:var(--navy);border:2px solid var(--gold)}
.hero-dra .hero-text .btn-outline:hover{background:var(--gold);color:var(--navy)}
.hero-dra .hero-text .btn-outline .arrow{display:inline-flex;align-items:center;justify-content:center;width:26px;height:26px;border-radius:50%;background:var(--gold);color:var(--navy);font-size:18px;line-height:1;margin-left:6px}
@media (min-width:1021px){
  .hero-dra .hero-text{left:0;right:auto;width:52%;padding:32px 24px 32px 48px}
  .hero-dra .hero-text h1{font-size:54px;color:#fff}
  .hero-dra .hero-text h1 em{color:var(--gold)}
  .hero-dra .hero-text .btn-outline{color:#fff}
}
@media (max-width:700px){
  /* Mobile: hero text drops below the image on ivory, navy text (site pattern) */
  .hero-dra .hero-text h1 em{color:var(--navy)}
}

/* --- Compact footer (homepage only): single centred block beneath the CEO
   band — contact, copyright + legal links, compliance line. No logo, no
   owner block, no nav columns. Other pages keep the shared footer. --- */
.footer-compact{background:var(--navy);color:#fff;padding:28px 20px 24px;text-align:center;font-size:13px}
.footer-compact a{color:var(--gold);text-decoration:none}
.footer-compact a:hover{text-decoration:underline}
.footer-compact .footer-contact{margin:0 0 10px}
.footer-compact .footer-contact a{font-weight:600}
.footer-compact .footer-legal{margin:0 0 8px;font-size:13px;color:rgba(255,255,255,.75)}
.footer-compact .footer-legal a{color:var(--gold)}
.footer-compact .compliance{margin-top:8px;color:rgba(255,255,255,.6)}

/* --- CEO band, desktop only: photo full-bleed to the top and left edge of
   the navy band (as in the approved mockup), text and checklist to the
   right. Tablet/mobile keep the centred, padded layout above. --- */
@media (min-width:1021px){
  .ceo-band{padding:0}
  .ceo-grid{max-width:none;margin:0;padding:0 48px 0 0;grid-template-columns:minmax(320px,420px) 1fr 300px}
  .ceo-photo{min-height:480px;height:100%}
}