:root{
  --navy:#0a1624;
  --navy-2:#102439;
  --gold:#c99a42;
  --gold-light:#efd18f;
  --white:#ffffff;
  --paper:#ffffff;
  --soft:#f4f6f8;
  --cream:#f7f3ea;
  --text:#172230;
  --muted:#667384;
  --line:#dce2e8;
  --radius:12px;
  --shadow:0 18px 48px rgba(10,22,36,.10);
}

*{box-sizing:border-box}
html,body{margin:0;min-height:100%}
html{scroll-behavior:smooth}
body{
  font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;
  color:var(--text);
  background:var(--paper);
  line-height:1.62;
  text-rendering:optimizeLegibility;
}
body.menu-open{overflow:hidden}
img{max-width:100%;display:block}
a{color:inherit}
button,input,textarea,select{font:inherit}
.container{width:min(1180px,calc(100% - 40px));margin-inline:auto}
.narrow{width:min(820px,calc(100% - 40px));margin-inline:auto}

.skip-link{position:absolute;left:-9999px;top:10px;background:#fff;color:#000;padding:10px 14px;z-index:1000}
.skip-link:focus{left:10px}

.site-header{
  position:sticky;
  top:0;
  z-index:50;
  background:var(--navy);
  border-bottom:1px solid rgba(255,255,255,.08);
}
.nav-shell{
  min-height:104px;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:32px;
}
.brand{
  display:flex;
  align-items:center;
  flex:0 0 auto;
  text-decoration:none;
}
.brand-mark{
  width:238px;
  background:#fff;
  border-radius:4px;
  overflow:hidden;
}
.brand-mark img{width:100%;height:auto;display:block}

.main-nav{display:flex;align-items:center;gap:24px}
.main-nav a{
  color:#f1f4f7;
  text-decoration:none;
  font-size:14px;
  font-weight:700;
  letter-spacing:-.01em;
}
.main-nav a:hover,.main-nav a:focus{color:var(--gold-light)}
.main-nav .nav-cta{
  background:var(--gold);
  color:var(--navy);
  padding:12px 17px;
  border-radius:7px;
}
.menu-button{
  display:none;
  background:transparent;
  border:1px solid rgba(255,255,255,.35);
  color:#fff;
  border-radius:7px;
  padding:10px 12px;
  font-weight:800;
}

.hero{
  color:#fff;
  min-height:60vh;
  display:grid;
  align-items:center;
  background:
    linear-gradient(90deg,rgba(6,17,29,.58) 0%,rgba(6,17,29,.34) 48%,rgba(6,17,29,.12) 100%),
    url("summitline-mountains.jpg") center/cover no-repeat;
}
.hero.compact{min-height:48vh}
.hero-inner{padding:88px 0;max-width:850px}
.eyebrow{
  color:var(--gold-light);
  text-transform:uppercase;
  letter-spacing:.17em;
  font-size:12px;
  font-weight:850;
  margin-bottom:16px;
}
h1,h2,h3,h4{line-height:1.12;margin:0 0 18px;letter-spacing:-.03em}
h1{font-size:clamp(44px,6.5vw,78px)}
h2{font-size:clamp(30px,4vw,50px)}
h3{font-size:24px}
h4{font-size:18px}
p{margin:0 0 18px}
.lead{font-size:clamp(18px,2vw,23px);max-width:720px;color:#eef3f7}
.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}
.btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  min-height:50px;
  padding:13px 21px;
  border-radius:7px;
  text-decoration:none;
  font-weight:800;
  border:1px solid transparent;
  transition:.18s ease;
}
.btn:hover{transform:translateY(-1px)}
.btn-primary{background:var(--gold);color:var(--navy)}
.btn-secondary{border-color:rgba(255,255,255,.72);color:#fff;background:rgba(255,255,255,.03)}
.btn-dark{background:var(--navy);color:#fff}
.btn-outline{border-color:var(--navy);color:var(--navy);background:transparent}
.btn-light{background:#fff;color:var(--navy)}

section{padding:84px 0}
.section-soft{background:var(--soft)}
.section-cream{background:var(--cream)}
.section-dark{background:var(--navy);color:#fff}
.section-head{max-width:790px;margin-bottom:38px}
.section-head p{font-size:18px;color:var(--muted)}
.section-dark .section-head p{color:#cdd6df}
.grid{display:grid;gap:24px}
.grid-2{grid-template-columns:repeat(2,minmax(0,1fr))}
.grid-3{grid-template-columns:repeat(3,minmax(0,1fr))}
.card{
  background:#fff;
  border:1px solid var(--line);
  border-radius:var(--radius);
  padding:30px;
  box-shadow:var(--shadow);
}
.card p{color:var(--muted)}
.card-dark{background:var(--navy);color:#fff;border-color:rgba(255,255,255,.08)}
.card-dark p{color:#cdd6df}
.path-card{position:relative;overflow:hidden;padding:38px}
.path-card.client{border-top:4px solid var(--gold)}
.path-card.agent{border-top:4px solid var(--navy-2)}
.split{display:grid;grid-template-columns:1.08fr .92fr;gap:48px;align-items:center}
.checks{list-style:none;padding:0;margin:24px 0 0}
.checks li{position:relative;padding-left:29px;margin:12px 0}
.checks li::before{content:"✓";position:absolute;left:0;color:var(--gold);font-weight:900}
.icon-chip{
  width:44px;height:44px;border-radius:10px;background:var(--cream);color:#8a641e;
  display:grid;place-items:center;font-size:21px;margin-bottom:18px
}
.stat-row{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:30px}
.stat{border:1px solid rgba(255,255,255,.14);padding:18px;border-radius:10px;background:rgba(255,255,255,.04)}
.stat strong{display:block;color:var(--gold-light);font-size:22px}
.service-list{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:22px}
.service-card{
  display:flex;flex-direction:column;min-height:100%;
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  padding:28px;text-decoration:none;box-shadow:var(--shadow)
}
.service-card p{color:var(--muted)}
.service-card .learn{margin-top:auto;color:#855e18;font-weight:800}
.kicker-box{padding:26px;border-left:4px solid var(--gold);background:#fff;border-radius:0 10px 10px 0;box-shadow:var(--shadow)}
.cta-band{background:var(--navy);color:#fff;border-radius:16px;padding:44px}
.social-row{display:flex;gap:12px;flex-wrap:wrap}
.social-btn{display:inline-flex;align-items:center;gap:9px;padding:11px 15px;background:#fff;border:1px solid var(--line);border-radius:8px;text-decoration:none;font-weight:800;color:var(--navy)}
.social-btn svg{width:21px;height:21px}
.faq{border-top:1px solid var(--line)}
.faq details{border-bottom:1px solid var(--line);padding:17px 0}
.faq summary{cursor:pointer;font-weight:800;font-size:18px}
.faq p{color:var(--muted);padding-top:11px}
.breadcrumbs{font-size:14px;color:#dfe8ef;margin-bottom:16px}
.breadcrumbs a{color:#fff}
.notice{font-size:13px;color:var(--muted);border-left:3px solid var(--gold);padding-left:12px;margin-top:18px}
.site-footer{background:#040a12;color:#dce4ec;padding:50px 0 22px}
.footer-grid{display:grid;grid-template-columns:1.35fr 1fr 1fr 1fr;gap:28px}
.footer-links{display:grid;gap:8px}
.footer-links a{text-decoration:none;color:#dce4ec}
.footer-bottom{margin-top:36px;padding-top:20px;border-top:1px solid rgba(255,255,255,.12);font-size:13px;color:#9eacbb}
.article-card{background:#fff;border:1px solid var(--line);border-radius:12px;padding:25px;text-decoration:none}
.article-card span{color:#8a641e;font-size:13px;text-transform:uppercase;letter-spacing:.1em;font-weight:850}
.article-card p{color:var(--muted)}
.disclosure{background:#fff;border:1px solid var(--line);padding:23px;border-radius:10px;color:var(--muted);font-size:14px}

/* One-screen homepage */
body.homepage{
  height:100vh;
  overflow:hidden;
  background:var(--navy);
}
body.homepage .site-header{position:relative;height:104px}
body.homepage main{height:calc(100vh - 104px)}
body.homepage .home-hero{
  height:100%;
  min-height:0;
  display:grid;
  align-items:center;
  color:#fff;
  background:
    linear-gradient(90deg,rgba(6,17,29,.60) 0%,rgba(6,17,29,.34) 50%,rgba(6,17,29,.10) 100%),
    url("summitline-mountains.jpg") center/cover no-repeat;
}
body.homepage .home-hero-inner{
  width:min(1180px,calc(100% - 40px));
  margin-inline:auto;
  max-width:1180px;
}
body.homepage .home-copy{max-width:760px}
body.homepage .home-copy h1{
  font-size:clamp(42px,5.8vw,74px);
  max-width:760px;
  margin-bottom:18px;
}
body.homepage .home-copy .lead{max-width:700px;margin-bottom:0}
body.homepage .home-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}
body.homepage .home-note{
  margin-top:18px;
  font-size:13px;
  color:rgba(255,255,255,.72);
}
body.homepage .site-footer{display:none}

@media(max-width:980px){
  .main-nav{
    position:fixed;
    inset:104px 0 auto 0;
    background:var(--navy);
    padding:22px 20px;
    display:none;
    flex-direction:column;
    align-items:flex-start;
  }
  .main-nav.open{display:flex}
  .menu-button{display:block}
  .grid-3,.footer-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
}

@media(max-width:760px){
  .container,.narrow{width:min(100% - 28px,1180px)}
  .nav-shell{min-height:82px}
  .brand-mark{width:190px}
  .main-nav{inset:82px 0 auto 0}
  .grid-2,.grid-3,.split,.footer-grid,.service-list,.stat-row{grid-template-columns:1fr}
  section{padding:64px 0}
  .hero{min-height:68vh}
  .hero-inner{padding:70px 0}
  .cta-band{padding:30px 22px}
  body.homepage .site-header{height:82px}
  body.homepage main{height:calc(100vh - 82px)}
  body.homepage .home-hero-inner{width:calc(100% - 28px)}
  body.homepage .home-copy h1{font-size:clamp(36px,11vw,54px)}
  body.homepage .home-copy .lead{font-size:18px}
  body.homepage .home-actions{flex-direction:column;align-items:stretch}
  body.homepage .home-actions .btn{width:100%}
}

@media(max-height:720px) and (min-width:761px){
  body.homepage .nav-shell{min-height:88px}
  body.homepage .site-header{height:88px}
  body.homepage main{height:calc(100vh - 88px)}
  body.homepage .brand-mark{width:205px}
  body.homepage .home-copy h1{font-size:clamp(38px,5vw,62px)}
  body.homepage .home-copy .lead{font-size:18px}
  body.homepage .home-actions{margin-top:22px}
}


/* Reference legacy homepage */
body.legacy-homepage{min-height:100vh;background:#fff;overflow-x:hidden}
.legacy-header{position:sticky;top:0;z-index:50;background:#fff;border-bottom:1px solid var(--line)}
.legacy-nav-shell{min-height:82px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.legacy-brand{display:block;width:205px;flex:0 0 auto}.legacy-brand img{width:100%;height:auto}
.legacy-header .main-nav a{color:var(--navy)}.legacy-header .main-nav a:hover,.legacy-header .main-nav a.active{color:#8a641e}
.legacy-header .main-nav .nav-cta{color:#fff;background:var(--navy)}
.legacy-main{background:#fff;min-height:calc(100vh - 82px);display:flex;flex-direction:column}
.legacy-hero{padding:0;flex:1;display:grid;place-items:center;background:#fff;overflow:hidden}
.legacy-hero img{width:100%;height:auto;max-height:calc(100vh - 160px);object-fit:contain;object-position:center}
.legacy-actions{display:flex;justify-content:center;gap:16px;flex-wrap:wrap;padding:18px 20px 24px;background:#fff}
.legacy-actions .btn{min-width:245px}

/* Advisor contact */
.advisor-contact-section{background:var(--soft)}
.advisor-contact-grid{display:grid;grid-template-columns:minmax(280px,.78fr) minmax(420px,1.22fr);gap:40px;align-items:stretch}
.advisor-portrait-card,.advisor-details-card{background:#fff;border:1px solid var(--line);border-radius:16px;overflow:hidden;box-shadow:var(--shadow)}
.advisor-portrait-card img{width:100%;height:100%;min-height:520px;object-fit:cover;object-position:center top}
.advisor-details-card{padding:42px}.advisor-title{font-size:20px;font-weight:800;color:#8a641e}
.contact-action-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px;margin:26px 0}
.contact-action{display:flex;flex-direction:column;padding:18px;border:1px solid var(--line);border-radius:10px;text-decoration:none;background:#fff}
.contact-action:hover{border-color:var(--gold)}.contact-action span{font-size:14px;color:var(--muted);overflow-wrap:anywhere}
.contact-action-gold{background:var(--gold);color:var(--navy);border-color:var(--gold)}.contact-action-gold span{color:var(--navy)}
.license-box{display:flex;justify-content:space-between;gap:16px;border-left:4px solid var(--gold);background:var(--cream);padding:16px 18px;margin:0 0 24px}

/* Digital card */
.digital-card-page{background:#061827}.digital-card-main{min-height:100vh}
.digital-card-hero{padding:0;background:linear-gradient(120deg,#061827 0%,#0c2c47 100%);color:#fff}
.digital-card-shell{display:grid;grid-template-columns:1fr .9fr;min-height:650px;align-items:center;gap:34px}
.digital-card-copy{padding:52px 0}.digital-card-logo{width:285px;background:#fff;border-radius:5px;margin-bottom:34px}
.digital-card-copy h1{font-size:clamp(58px,8vw,100px);margin-bottom:4px}.digital-card-copy h2{font-size:clamp(24px,3vw,40px);color:var(--gold-light);letter-spacing:-.02em}
.digital-tagline{font-size:21px;font-style:italic;border-bottom:2px solid #2b91d0;display:inline-block;padding-bottom:12px}
.digital-card-photo{align-self:stretch}.digital-card-photo img{width:100%;height:100%;object-fit:cover;object-position:center top}
.digital-actions-section{padding:34px 0 60px;background:#061827;color:#fff}
.digital-primary-actions{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:14px;margin-top:-2px}
.digital-primary-actions a,.digital-secondary-grid>a{display:flex;flex-direction:column;justify-content:center;min-height:92px;border:1px solid rgba(255,255,255,.22);border-radius:10px;padding:18px;text-decoration:none;background:#0b3154}
.digital-primary-actions a.gold{background:var(--gold);color:var(--navy)}.digital-primary-actions span,.digital-secondary-grid span{font-size:13px;opacity:.84;overflow-wrap:anywhere}
.digital-services{margin-top:24px;background:#fff;color:var(--navy);border-radius:14px;padding:34px}.digital-services h2{text-align:center}
.digital-service-grid{display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:0}.digital-service-grid div{padding:18px;text-align:center;border-right:1px solid var(--line)}.digital-service-grid div:last-child{border-right:0}.digital-service-grid span{display:block;color:var(--muted);font-size:13px;margin-top:8px}
.digital-secondary-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr)) 220px;gap:14px;margin-top:18px}.digital-secondary-grid>a{text-align:center;background:#0a2944}
.digital-qr{background:#fff;color:var(--navy);border-radius:10px;padding:14px;text-align:center}.digital-qr img{width:150px;margin:0 auto 6px}
.digital-disclosure{text-align:center;font-size:12px;color:#aebdca;margin:22px auto 0;max-width:850px}

@media(max-width:1100px){.legacy-header .main-nav{gap:14px}.legacy-header .main-nav a{font-size:12px}.digital-primary-actions{grid-template-columns:repeat(2,1fr)}.digital-service-grid{grid-template-columns:repeat(2,1fr)}.digital-service-grid div{border-right:0;border-bottom:1px solid var(--line)}.digital-secondary-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:980px){.legacy-header .main-nav{position:fixed;inset:82px 0 auto 0;background:#fff;padding:22px 20px;display:none}.legacy-header .main-nav.open{display:flex}.legacy-header .menu-button{display:block;color:var(--navy);border-color:var(--navy)}.advisor-contact-grid,.digital-card-shell{grid-template-columns:1fr}.digital-card-photo{max-height:650px}.digital-card-copy{padding-bottom:0}.digital-card-logo{width:230px}.digital-secondary-grid{grid-template-columns:1fr 1fr}.digital-qr{grid-column:1/-1}}
@media(max-width:760px){.legacy-nav-shell{min-height:74px}.legacy-brand{width:175px}.legacy-header .main-nav{inset:74px 0 auto 0}.legacy-hero img{max-height:none;width:100%;object-fit:contain}.legacy-actions{padding:14px}.legacy-actions .btn{width:100%}.advisor-contact-grid{grid-template-columns:1fr}.advisor-portrait-card img{min-height:0;max-height:540px}.advisor-details-card{padding:28px 22px}.contact-action-grid,.digital-primary-actions,.digital-secondary-grid,.digital-service-grid{grid-template-columns:1fr}.license-box{flex-direction:column}.digital-card-shell{width:100%}.digital-card-copy{padding:36px 20px}.digital-card-photo{max-height:520px}.digital-services{padding:26px 18px}.digital-qr{grid-column:auto}.digital-service-grid div{border-bottom:1px solid var(--line)}}