/* MTG shared design system. All page families use these type and spacing tokens. */
:root {
  color-scheme: light;
  --deep: #034b60;
  --deep-2: #006983;
  --blue: #006983;
  --ink: #203e48;
  --muted: #56676c;
  --paper: #fcfbf8;
  --mist: #edf3f2;
  --aqua: #d7eef4;
  --warm: #8b5f22;
  --yellow: #d8bb89;
  --line: #d7e2e2;
  --font-family: Arial, Helvetica, sans-serif;
  --text-body: 1.0625rem;
  --text-small: .875rem;
  --text-label: .75rem;
  --text-lead: clamp(1.0625rem, 1rem + .3vw, 1.1875rem);
  --text-h1: clamp(2.25rem, 1.65rem + 2.5vw, 3.5rem);
  --text-h2: clamp(1.75rem, 1.4rem + 1.2vw, 2.375rem);
  --text-h3: clamp(1.375rem, 1.2rem + .45vw, 1.625rem);
  --space-2: .5rem;
  --space-3: .75rem;
  --space-4: 1rem;
  --space-5: 1.25rem;
  --space-6: 1.5rem;
  --space-8: 2rem;
  --space-10: 2.5rem;
  --space-section: clamp(2.5rem, 4vw, 4rem);
  --gutter: clamp(1.25rem, 4vw, 3rem);
  --card-padding: clamp(1.25rem, 2vw, 1.75rem);
  --radius-sm: .5rem;
  --radius-md: .875rem;
  --radius-lg: 1.25rem;
  --radius-pill: 999px;
  --shadow-soft: 0 8px 24px rgba(3, 75, 96, .07);
  --header-height: 84px;
  --focus-ring: #ad700d;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; background: var(--paper); color: var(--ink); font-family: var(--font-family); font-size: var(--text-body); line-height: 1.65; }
a { color: inherit; text-decoration: none; }
button, input, select, textarea { font: inherit; }
button, a { -webkit-tap-highlight-color: transparent; }
img { display: block; max-width: 100%; height: auto; }
h1, h2, h3, p { margin: 0 0 var(--space-4); }
h1, h2, h3 { color: var(--deep); font-weight: 500; letter-spacing: -.035em; text-wrap: balance; overflow-wrap: break-word; }
h1 { font-size: var(--text-h1); line-height: 1.1; max-width: 22ch; }
h2 { font-size: var(--text-h2); line-height: 1.18; }
h3 { font-size: var(--text-h3); line-height: 1.25; }
p:last-child { margin-bottom: 0; }
:where(a, button, input, select, textarea, summary):focus-visible { outline: 3px solid var(--focus-ring); outline-offset: 4px; }
article[id], section[id] { scroll-margin-top: var(--space-8); }
.shell { width: min(1240px, calc(100% - 2 * var(--gutter))); margin-inline: auto; }
.section { padding-block: var(--space-section); }
.section-intro { max-width: 760px; margin-bottom: var(--space-8); }
.section-intro p, .about-copy, .customer-grid p, .service-card p { color: var(--muted); }
.eyebrow, .service-kicker, .detail-card > span, .customer-grid article > span { display: block; margin: 0 0 var(--space-3); color: var(--warm); font-size: var(--text-label); font-weight: 700; line-height: 1.5; letter-spacing: .11em; text-transform: uppercase; }
.lead, .lead-dark { font-size: var(--text-lead); line-height: 1.6; color: var(--muted); max-width: 66ch; }
.hero-actions, .form-actions { display: flex; flex-wrap: wrap; align-items: center; gap: var(--space-3); margin-top: var(--space-6); }
.button { display: inline-flex; align-items: center; justify-content: center; min-height: 46px; padding: .75rem 1.25rem; border: 1px solid var(--deep); border-radius: var(--radius-pill); background: var(--deep); color: #fff; font-size: var(--text-small); font-weight: 700; line-height: 1.4; cursor: pointer; transition: background .18s, border-color .18s; }
.button.secondary { background: #fff; color: var(--deep); border-color: var(--line); }
.button.light { background: transparent; color: #fff; border-color: #86a4ab; }
.button:hover { background: var(--deep-2); color: #fff; border-color: var(--deep-2); }
.text-link { display: inline-flex; align-items: center; gap: var(--space-3); width: fit-content; min-height: 44px; padding-top: var(--space-3); color: var(--blue); font-size: var(--text-small); font-weight: 700; line-height: 1.4; }
.text-link::after { content: '↗'; font-size: 1.125rem; }
.text-link:hover { text-decoration: underline; text-underline-offset: .2em; }
/* Navigation */
.site-header, .site-header.is-compact { position: relative; z-index: 30; min-height: var(--header-height); display: flex; align-items: center; justify-content: space-between; gap: var(--space-6); padding: 18px max(var(--gutter), calc((100vw - 1240px) / 2)); border-bottom: 1px solid var(--line); background: var(--paper); }
.brand-mark { flex-shrink: 0; }
.brand-mark img { width: 220px; }
.nav-links { display: flex; align-items: center; gap: 6px; font-size: var(--text-small); font-weight: 600; }
.nav-item { position: relative; }
.nav-top { display: inline-flex; align-items: center; min-height: 44px; padding: 8px 10px; border-radius: var(--radius-sm); white-space: nowrap; }
.nav-top:hover, .nav-menu a:hover { background: var(--mist); }
.nav-cta { border-radius: var(--radius-pill); padding-inline: 18px; background: var(--deep); color: #fff; }
.nav-cta:hover { background: var(--deep-2); }
.nav-toggle { display: none; min-height: 44px; padding-inline: 16px; border: 1px solid var(--line); border-radius: var(--radius-sm); background: #fff; color: var(--deep); font-size: var(--text-small); font-weight: 700; cursor: pointer; }
.nav-menu { position: absolute; z-index: 40; top: calc(100% + 8px); left: 50%; min-width: 250px; display: grid; gap: 2px; padding: 10px; border: 1px solid var(--line); border-radius: var(--radius-md); background: #fff; box-shadow: var(--shadow-soft); opacity: 0; pointer-events: none; transform: translate(-50%, 6px); }
.nav-menu-right { left: auto; right: 0; transform: translateY(6px); }
.nav-menu a { display: flex; align-items: center; min-height: 44px; padding: 10px 12px; border-radius: var(--radius-sm); font-size: var(--text-small); line-height: 1.4; white-space: nowrap; }
.nav-item:hover .nav-menu, .nav-item:focus-within .nav-menu { opacity: 1; pointer-events: auto; transform: translate(-50%, 0); }
.nav-item:hover .nav-menu-right, .nav-item:focus-within .nav-menu-right { transform: none; }
.nav-disclosure { display: none; }
.nav-enhanced .nav-item { display: flex; align-items: center; flex-wrap: wrap; }
.nav-enhanced .nav-item > .nav-top { padding-right: 2px; }
.nav-enhanced .nav-disclosure { display: inline-flex; align-items: center; justify-content: center; min-width: 28px; min-height: 44px; padding: 0; border: 0; border-radius: var(--radius-sm); background: transparent; color: var(--deep); cursor: pointer; }
.nav-enhanced .nav-menu[hidden] { display: none; }
.nav-enhanced .nav-menu:not([hidden]) { opacity: 1; pointer-events: auto; transform: translate(-50%, 0); }
.nav-enhanced .nav-menu-right:not([hidden]) { transform: none; }
.nav-disclosure[aria-expanded='true'] svg { transform: rotate(180deg); }
/* Home and service pages */
.hero { position: relative; isolation: isolate; min-height: 530px; display: flex; align-items: center; padding: 48px max(var(--gutter), calc((100vw - 1240px) / 2)); }
.hero::before { content: ''; position: absolute; inset: 0; z-index: -2; background: url('assets/beach.webp') 65% 50% / cover; }
.hero::after { content: ''; position: absolute; inset: 0; z-index: -1; background: linear-gradient(90deg, rgba(255,255,255,.96) 0%, rgba(255,255,255,.87) 38%, rgba(255,255,255,.35) 70%, rgba(255,255,255,.06) 100%); }
.hero-copy { width: 60%; max-width: 660px; }
.hero h1 { margin-bottom: var(--space-6); }
.hero .lead { max-width: 48ch; }
.hero-positioning { max-width: 42ch; margin: var(--space-6) 0 0; padding-left: var(--space-4); border-left: 2px solid var(--warm); font-size: var(--text-body); color: var(--deep); }
.services-section, .customers-section, .people-feature-section { background: var(--mist); }
.services-section > .section-intro { max-width: none; display: grid; grid-template-columns: 1fr 1fr; column-gap: var(--space-10); align-items: end; }
.services-section > .section-intro > .eyebrow { grid-column: 1 / -1; }
.services-section > .section-intro h2, .services-section > .section-intro p { margin-bottom: 0; }
.transformative-banner { position: relative; display: grid; grid-template-columns: .7fr 2fr auto; gap: var(--space-6); align-items: center; padding: var(--space-8); margin-bottom: var(--space-6); overflow: hidden; border-radius: var(--radius-md); background: var(--deep); color: #fff; }
.transformative-banner-label { max-width: 16ch; font-size: var(--text-label); letter-spacing: .1em; text-transform: uppercase; color: var(--yellow); }
.transformative-banner-copy { display: grid; gap: var(--space-2); }
.transformative-banner-copy strong { font-size: var(--text-h3); font-weight: 500; line-height: 1.2; }
.transformative-banner-copy > span { font-size: var(--text-small); color: #e0eaec; }
.transformative-banner-action { display: flex; align-items: center; gap: var(--space-3); font-size: var(--text-small); font-weight: 700; }
.service-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: var(--space-6); }
.service-card { display: flex; flex-direction: column; min-width: 0; padding: var(--card-padding); border: 1px solid var(--line); border-radius: var(--radius-md); background: #fff; }
.service-card p { font-size: var(--text-body); }
.service-card .text-link { margin-top: auto; }
.brand-slot { display: grid; place-items: center; width: 100%; max-width: 100%; height: 90px; margin-bottom: var(--space-5); }
.brand-slot img { max-height: 78px; width: auto; max-width: min(260px, 100%); object-fit: contain; }
.brand-slot strong { font-size: var(--text-small); color: var(--deep); }
.service-card-feature, .service-card.service-card-transformative { background: var(--deep); border-color: var(--deep); color: #fff; }
.service-card-feature h3, .service-card-transformative h3 { color: #fff; }
.service-card-feature p, .service-card-transformative p { color: #e0eaec; }
.service-card-feature .service-kicker, .service-card-transformative .service-kicker { color: var(--yellow); }
.service-card-feature .text-link, .service-card-transformative .text-link { color: #fff; }
.service-card-feature > .brand-slot { width: calc(100% + 2 * var(--card-padding)); max-width: none; height: 110px; margin: calc(-1 * var(--card-padding)) calc(-1 * var(--card-padding)) var(--space-5); padding: 12px var(--card-padding); background: #fff; border-radius: var(--radius-md) var(--radius-md) 0 0; }
.service-card-transformative { grid-column: 1 / -1; }
.service-card-transformative p { max-width: 75ch; }
.service-card-transformative .brand-slot { padding: 6px 10px; background: #fff; border-radius: var(--radius-sm); }
.about-grid, .service-detail-grid, .claims-layout { display: grid; grid-template-columns: 1fr 1fr; gap: var(--space-10); align-items: start; }
.about-copy p + p { margin-top: var(--space-6); }
.editorial-image { margin: 0; overflow: hidden; border-radius: var(--radius-md); background: var(--mist); }
.editorial-image img { width: 100%; height: 100%; object-fit: cover; }
.about-photo { aspect-ratio: 1.72; margin-top: var(--space-6); }
.customer-grid { display: grid; grid-template-columns: 1.1fr 1fr 1fr; gap: var(--space-8); align-items: center; }
.customer-image-panel { aspect-ratio: 1.15; }
.service-hero { padding-block: clamp(2rem, 3.5vw, 3rem); background: var(--mist); border-bottom: 1px solid var(--line); }
.service-hero h1 { max-width: 25ch; }
.service-hero .lead { margin-bottom: 0; }
.service-hero-grid { display: grid; grid-template-columns: minmax(0, 1.65fr) minmax(240px, .8fr); gap: var(--space-10); align-items: center; }
.service-hero-grid > * { min-width: 0; }
.brand-panel { padding-left: var(--space-6); border-left: 1px solid #b8cfce; }
.brand-panel > span:not(.brand-slot) { display: block; margin-bottom: var(--space-2); color: var(--warm); font-size: var(--text-label); font-weight: 700; letter-spacing: .1em; text-transform: uppercase; }
.brand-panel > strong { display: block; margin-bottom: var(--space-3); color: var(--deep); font-size: var(--text-h3); font-weight: 500; line-height: 1.3; }
.brand-panel p { font-size: var(--text-small); color: var(--muted); }
.brand-panel .brand-slot { margin-bottom: var(--space-4); }
.service-main-copy { position: sticky; top: var(--space-8); }
.service-main-copy p { max-width: 66ch; color: var(--muted); }
.service-image { aspect-ratio: 1.55; margin-top: var(--space-6); }
.detail-card-grid { display: grid; gap: var(--space-4); }
.detail-card { padding: var(--card-padding); border: 1px solid var(--line); border-radius: var(--radius-md); background: #fff; }
.detail-card p { color: var(--muted); font-size: var(--text-body); }
.people-feature-section { padding-block: var(--space-8); }
.people-feature-grid { display: grid; grid-template-columns: 1fr auto; gap: var(--space-6); align-items: center; }
.people-feature-grid p:not(.eyebrow) { color: var(--muted); max-width: 70ch; }
.answers-section .detail-card-grid { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.answers-section .detail-card { padding: var(--space-5) 0 0; border: 0; border-top: 2px solid var(--deep); border-radius: 0; background: none; }
.service-next-section { padding-block: var(--space-6); background: var(--mist); border-top: 1px solid var(--line); }
.next-service-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: var(--space-3); }
.next-service-grid a { display: flex; align-items: center; min-height: 50px; padding: var(--space-3) var(--space-4); border: 1px solid var(--line); border-radius: var(--radius-sm); background: var(--paper); color: var(--deep); font-size: var(--text-small); font-weight: 600; }
.next-service-grid a:hover { border-color: var(--deep-2); }
.claims-section { background: var(--deep); color: #fff; }
.claims-section h2 { color: #fff; }
.claims-section .eyebrow { color: var(--yellow); }
.claims-section p { color: #e0eaec; }
.claims-metrics { display: grid; grid-template-columns: 1fr 1fr; gap: var(--space-4); }
.claims-metrics article { display: grid; gap: var(--space-4); padding: var(--space-6); border: 1px solid #496e78; border-radius: var(--radius-md); background: rgba(255,255,255,.04); }
.claims-metrics article > span { font-size: var(--text-label); font-weight: 700; text-transform: uppercase; letter-spacing: .08em; }
.claims-metrics strong { color: var(--aqua); font-size: var(--text-h2); line-height: 1.1; font-variant-numeric: tabular-nums; }
.claims-metrics p { font-size: var(--text-small); }
/* Adviser directories: portraits and useful details share one compact card. */
.page-directory .service-hero-grid { grid-template-columns: 1fr; }
.page-directory .service-hero { padding-block: var(--space-8); }
.page-directory .service-hero .lead { max-width: 75ch; }
.adviser-list-section { padding-block: var(--space-8) var(--space-section); }
.people-nav { display: flex; flex-wrap: wrap; gap: var(--space-2); margin-bottom: var(--space-8); }
.people-nav a { display: inline-flex; align-items: center; min-height: 44px; padding: .5rem 1rem; border: 1px solid var(--line); border-radius: var(--radius-pill); background: #fff; color: var(--deep); font-size: var(--text-small); font-weight: 600; }
.people-nav a:hover { border-color: var(--deep); }
/* Local first pass: the two page roles share the existing MTG visual language. */
.page-transformative-home main .eyebrow { color: var(--warm); }
.home-image-hero { position: relative; isolation: isolate; display: flex; align-items: center; min-height: clamp(380px, 38vw, 530px); overflow: hidden; background: var(--deep); }
.home-hero-image { position: absolute; inset: 0; z-index: -2; width: 100%; height: 100%; object-fit: cover; object-position: center 58%; }
.home-image-hero::after { content: ''; position: absolute; inset: 0; z-index: -1; background: linear-gradient(90deg, rgba(2, 29, 38, .88) 0%, rgba(2, 29, 38, .8) 66%, rgba(2, 29, 38, .22) 100%); }
.home-hero-copy { padding-block: var(--space-10); color: #fff; }
.home-hero-copy .eyebrow, .page-transformative-home .footer-grid strong { width: fit-content; padding: .125rem .5rem; border-radius: var(--radius-sm); background: var(--paper); color: var(--warm); }
.home-hero-copy h1 { color: #fff; max-width: 12ch; font-size: clamp(2.5rem, 2rem + 2.8vw, 4.5rem); line-height: 1.06; }
.home-hero-copy .lead { color: #fff; max-width: 46ch; }
/* Homepage introduction and planning share two aligned columns. */
.home-advice-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: var(--space-10); align-items: start; }
.home-advice-copy { display: grid; gap: var(--space-10); min-width: 0; }
.home-advice-copy .service-main-copy { position: static; }
.home-advice-copy .hero-introduction { margin-top: var(--space-5); line-height: 1.75; }
.home-planning-cards { min-width: 0; }
/* One channel card offers separate information and people destinations. */
.channel-grid { grid-template-columns: repeat(4, minmax(0, 1fr)); gap: var(--space-4); }
.compact-products .channel-card { padding: var(--space-5); min-height: 196px; border-radius: var(--radius-sm); }
.compact-products .channel-card h3 { margin-bottom: var(--space-2); font-size: 1.25rem; letter-spacing: -.02em; }
.compact-products .channel-card p { margin: 0 0 var(--space-4); font-size: .9375rem; line-height: 1.5; }
.channel-actions { display: flex; flex-wrap: wrap; align-items: center; gap: var(--space-2) var(--space-5); margin-top: auto; padding-top: var(--space-2); border-top: 1px solid var(--line); }
.channel-action { display: inline-flex; align-items: center; min-height: 44px; color: var(--deep-2); font-size: var(--text-small); font-weight: 700; text-decoration: underline; text-underline-offset: .2em; }
.channel-action:hover { color: var(--deep); }
.visually-hidden { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip-path: inset(50%); white-space: nowrap; border: 0; }
.shared-advice-links { grid-template-columns: repeat(4, minmax(0, 1fr)); }
.shared-advice-links a { min-height: 56px; }
@media (max-width: 900px) {
  .home-advice-grid { grid-template-columns: 1fr; gap: var(--space-8); }
  .shared-advice-links { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}
@media (max-width: 600px) {
  .home-image-hero { min-height: 410px; }
  .home-hero-image { object-position: 60% center; }
  .home-image-hero::after { background: rgba(2, 29, 38, .76); }
  .home-hero-copy h1 { max-width: 13ch; }
  .compact-products .channel-card { min-height: 0; padding: var(--space-4) var(--space-5); }
  .shared-advice-links { grid-template-columns: 1fr; }
}
.people-nav a[aria-current='page'] { background: var(--deep); color: #fff; border-color: var(--deep); }
.directory-toolbar { margin-bottom: var(--space-6); }
.directory-toolbar h2 { font-size: var(--text-h3); margin-bottom: var(--space-2); }
.directory-toolbar p { color: var(--muted); font-size: var(--text-small); }
.adviser-list-section > .shell > .section-intro h2 { font-size: var(--text-h3); }
.adviser-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: var(--space-6); }
.adviser-card { display: grid; grid-template-columns: minmax(150px, .85fr) minmax(0, 1.5fr); min-width: 0; overflow: hidden; border: 1px solid var(--line); border-radius: var(--radius-md); background: #fff; transition: border-color .2s, box-shadow .2s; }
.adviser-card:hover, .adviser-card:focus-within { border-color: #82a9b1; box-shadow: var(--shadow-soft); }
.adviser-image { display: block; min-height: 260px; overflow: hidden; background: linear-gradient(150deg, #e7eeec, #dbe6e5); }
.adviser-image img { width: 100%; height: 100%; max-height: 340px; object-fit: cover; object-position: center 25%; }
.adviser-card-copy { display: flex; flex-direction: column; align-items: start; gap: var(--space-2); min-width: 0; padding: var(--space-6); }
.adviser-card-copy > span { color: var(--warm); font-size: var(--text-label); font-weight: 700; line-height: 1.45; letter-spacing: .045em; }
.adviser-card-copy h3 { margin: 0; font-size: var(--text-h3); }
.adviser-card-copy p { margin: 0; color: var(--muted); font-size: 1rem; line-height: 1.55; }
.adviser-card-copy .adviser-role-title { color: var(--deep); font-weight: 700; }
.adviser-card-copy .adviser-meta { display: inline-flex; align-items: center; gap: 7px; color: var(--deep); }
.adviser-meta::before, .profile-location::before { content: ''; width: 6px; height: 6px; flex-shrink: 0; border-radius: 50%; background: var(--warm); }
.adviser-actions { display: flex; align-items: center; flex-wrap: wrap; gap: var(--space-4); width: 100%; margin-top: auto; padding-top: var(--space-4); }
.adviser-actions .text-link { min-height: 44px; padding: 0; }
.adviser-actions .text-link:first-child { margin-right: auto; }
.adviser-actions .text-link:first-child::after { content: '→'; }
.adviser-card-lead { grid-column: 1 / -1; grid-template-columns: minmax(200px, 1fr) minmax(0, 2fr); border-color: #99b6b6; background: var(--mist); }
.adviser-card-lead .adviser-card-copy { padding: var(--space-8); }
.adviser-card-lead h3 { font-size: var(--text-h2); }
.adviser-card-lead .adviser-image { min-height: 290px; }
.loading { grid-column: 1 / -1; color: var(--muted); }
/* Adviser profiles: one name, a generous portrait, and a clear contact panel. */
.profile-navigation { padding-top: var(--space-6); }
.back-link { display: inline-flex; align-items: center; min-height: 44px; color: var(--blue); font-size: var(--text-small); font-weight: 600; }
.back-link:hover { text-decoration: underline; text-underline-offset: .2em; }
.adviser-profile-section { padding-top: var(--space-6); }
.adviser-profile { display: grid; grid-template-columns: minmax(240px, .9fr) minmax(0, 1.4fr); gap: var(--space-10); row-gap: var(--space-4); grid-template-rows: auto 1fr; align-items: start; }
.adviser-profile-image { grid-column: 1; grid-row: 1 / span 2; overflow: hidden; border-radius: var(--radius-lg); background: linear-gradient(150deg, #e7eeec, #dbe6e5); aspect-ratio: 4 / 5; max-height: 560px; }
.adviser-profile-image img { width: 100%; height: 100%; object-fit: cover; object-position: center top; }
.adviser-profile-copy { grid-column: 2; grid-row: 1; min-width: 0; padding-top: var(--space-4); }
.adviser-profile-copy h1 { margin-bottom: var(--space-4); }
.profile-specialism { color: var(--muted); font-size: var(--text-lead); line-height: 1.55; max-width: 55ch; }
.adviser-profile-copy .adviser-role-title { display: inline-block; margin-bottom: var(--space-4); color: var(--deep); font-size: var(--text-small); font-weight: 700; }
.profile-location { display: flex; align-items: center; gap: var(--space-2); color: var(--deep); font-size: var(--text-small); margin-bottom: var(--space-6); }
.profile-accreditation { margin: var(--space-6) 0; padding: var(--space-4) var(--space-5); border-left: 3px solid var(--deep-2); border-radius: 0 var(--radius-sm) var(--radius-sm) 0; background: var(--mist); font-size: var(--text-small); }
.profile-contact-panel { padding: var(--space-6); border: 1px solid var(--line); border-radius: var(--radius-md); background: #fff; margin-top: var(--space-6); }
.profile-contact-panel h2 { font-size: var(--text-h3); margin-bottom: var(--space-5); }
.profile-contact { display: grid; grid-template-columns: 1fr 1.4fr; gap: var(--space-5); margin: 0; }
.profile-contact div { min-width: 0; }
.profile-contact dt { color: var(--muted); font-size: var(--text-label); font-weight: 700; letter-spacing: .08em; text-transform: uppercase; }
.profile-contact dd { margin: var(--space-2) 0 0; font-size: var(--text-body); overflow-wrap: anywhere; }
.profile-contact a { color: var(--deep); text-decoration: underline; text-underline-offset: .2em; }
.profile-details { grid-column: 2; grid-row: 2; min-width: 0; }
.profile-details .profile-accreditation { margin-top: 0; }
.profile-details > .profile-contact-panel:first-child { margin-top: 0; }
.directory-note { margin-top: var(--space-3); font-size: var(--text-small); color: var(--muted); max-width: 75ch; }
.misconception-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
/* Documents, offices, and contact */
.content-grid { display: grid; grid-template-columns: 210px minmax(0, 1fr); gap: var(--space-10); align-items: start; }
.content-sidebar { position: sticky; top: var(--space-8); display: grid; gap: var(--space-2); }
.content-sidebar a { display: flex; align-items: center; min-height: 44px; padding: var(--space-3) 0; border-bottom: 1px solid var(--line); color: var(--deep); font-size: var(--text-small); font-weight: 600; }
.content-sidebar a:hover { color: var(--blue); border-color: var(--blue); }
.content-grid > *, .content-stack > *, .footer-grid > * { min-width: 0; }
.content-stack { display: grid; gap: var(--space-5); }
.copy-card { padding: var(--card-padding); border: 1px solid var(--line); border-radius: var(--radius-md); background: #fff; }
.copy-card h2 { font-size: var(--text-h3); }
.copy-card h3 { margin-top: var(--space-6); font-size: 1.25rem; }
.copy-card p, .copy-card li { color: var(--muted); max-width: 72ch; }
.copy-card ul, .copy-card ol { padding-left: var(--space-6); margin-bottom: var(--space-4); }
.copy-card li + li { margin-top: var(--space-2); }
.copy-card-image { aspect-ratio: 16 / 9; margin-top: var(--space-6); }
.info-list { display: grid; gap: var(--space-3); margin-block: var(--space-5); }
.info-list div { padding: var(--space-4); border: 1px solid var(--line); border-radius: var(--radius-sm); background: var(--paper); }
.info-list strong, .info-list span { display: block; }
.info-list strong { color: var(--deep); }
.info-list span { margin-top: 4px; color: var(--muted); }
.office-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: var(--space-5); }
.office-card { display: grid; grid-template-columns: 1fr; gap: var(--space-4); padding: var(--space-5); border: 1px solid var(--line); border-radius: var(--radius-md); background: #fff; }
.office-map { display: grid; place-items: center; min-height: 220px; overflow: hidden; border-radius: var(--radius-sm); background: var(--mist); }
.office-card:has(.office-map > .loading) { grid-template-columns: 1fr; gap: var(--space-4); }
.office-map:has(> .loading) { min-height: 0; }
.office-map iframe { width: 100%; height: 100%; min-height: 220px; border: 0; }
.office-map .loading { margin: 0; padding: var(--space-3); text-align: center; font-size: var(--text-small); }
.office-copy { display: flex; flex-direction: column; justify-content: center; min-width: 0; overflow-wrap: anywhere; }
.office-copy p { margin-bottom: var(--space-2); }
.office-copy a { color: var(--blue); text-decoration: underline; text-underline-offset: .2em; }
.simple-table { display: block; width: 100%; overflow-x: auto; border-collapse: collapse; margin-top: var(--space-5); border: 1px solid var(--line); font-size: var(--text-small); }
.simple-table th, .simple-table td { padding: var(--space-3) var(--space-4); border-bottom: 1px solid var(--line); text-align: left; vertical-align: top; min-width: 130px; }
.simple-table th { background: var(--mist); color: var(--deep); }
.contact-layout { display: grid; grid-template-columns: minmax(0, 1.5fr) minmax(250px, .8fr); gap: var(--space-8); align-items: start; }
.contact-form { min-width: 0; padding: var(--card-padding); border: 1px solid var(--line); border-radius: var(--radius-md); background: #fff; }
.contact-form h2 { font-size: var(--text-h3); }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: var(--space-4); }
.contact-form label { display: grid; gap: var(--space-2); font-size: var(--text-small); color: var(--deep); font-weight: 600; }
.contact-form input, .contact-form select, .contact-form textarea { width: 100%; min-width: 0; min-height: 46px; padding: var(--space-3); border: 1px solid var(--line); border-radius: var(--radius-sm); background: var(--paper); color: var(--ink); font-size: 1rem; font-weight: 400; }
.contact-form textarea { min-height: 120px; resize: vertical; }
.form-field-wide { grid-column: 1 / -1; }
.form-honeypot { position: absolute; left: -9999px; }
.collection-notice, .contact-unavailable { padding: var(--space-4); margin-top: var(--space-5); border: 1px solid var(--line); border-radius: var(--radius-sm); background: var(--mist); font-size: var(--text-small); }
.collection-notice h3 { font-size: 1rem; margin-bottom: var(--space-2); }
.collection-notice ul { margin-bottom: 0; padding-left: var(--space-5); }
.collection-notice a { color: var(--blue); font-weight: 600; text-decoration: underline; }
.form-status { min-height: 1.65em; color: var(--muted); font-size: var(--text-small); }
.form-status[data-state='success'] { color: #13745b; }
.contact-details { display: grid; gap: var(--space-4); }
.contact-details h3 { overflow-wrap: anywhere; }
.footer { padding-block: var(--space-10); background: var(--deep); color: #dce9eb; font-size: var(--text-small); }
.footer-grid { display: grid; grid-template-columns: 1.7fr 1fr 1.3fr 1fr; gap: var(--space-8); align-items: start; }
.footer img { width: 220px; padding: 10px 12px; border-radius: var(--radius-sm); background: #fff; }
.footer p { margin-top: var(--space-4); }
.footer strong { display: block; margin-bottom: var(--space-3); color: #fff; font-size: var(--text-label); letter-spacing: .08em; text-transform: uppercase; }
.footer a { color: #e6eef0; overflow-wrap: anywhere; }
.footer-links { display: grid; gap: var(--space-2); }
.footer a:hover { color: #fff; text-decoration: underline; text-underline-offset: .2em; }
/* Responsive layouts retain the same type hierarchy and spacing scale. */
@media (max-width: 1100px) and (min-width: 901px) {
  .brand-mark img { width: 180px; }
  .site-header { gap: 12px; }
  .nav-links { gap: 2px; font-size: .8125rem; }
  .nav-top { padding-inline: 7px; }
  .nav-enhanced .nav-disclosure { min-width: 22px; }
}
@media (max-width: 1000px) {
  .service-hero-grid { grid-template-columns: 1fr; gap: var(--space-6); }
  .brand-panel { max-width: 650px; }
  .adviser-grid { grid-template-columns: 1fr; }
  .adviser-card { grid-template-columns: minmax(150px, .55fr) minmax(0, 1.5fr); }
  .service-grid { grid-template-columns: 1fr 1fr; }
  .content-grid { grid-template-columns: 1fr; gap: var(--space-6); }
  .content-sidebar { position: static; display: flex; flex-wrap: wrap; gap: var(--space-3) var(--space-6); }
  .content-sidebar a { padding-block: var(--space-2); }
  .customer-grid { grid-template-columns: 1fr 1fr; }
  .customer-image-panel { grid-column: 1 / -1; aspect-ratio: 2.2; }
  .footer-grid { grid-template-columns: 1.5fr 1fr; }
  .adviser-profile { grid-template-columns: minmax(220px, .8fr) minmax(0, 1.1fr); gap: var(--space-6); }
  .profile-contact { grid-template-columns: 1fr; }
  .contact-layout { grid-template-columns: 1fr; }
}
@media (max-width: 900px) {
  .site-header { flex-wrap: wrap; min-height: 78px; }
  .nav-toggle { display: block; }
  .nav-links { display: none; flex-basis: 100%; flex-direction: column; align-items: stretch; gap: var(--space-2); padding-block: var(--space-3); max-height: calc(100svh - 90px); overflow-y: auto; }
  .site-header.is-open .nav-links { display: flex; }
  .nav-item { width: 100%; }
  .nav-enhanced .nav-item > .nav-top { flex: 1; }
  .nav-enhanced .nav-disclosure { min-width: 44px; }
  .nav-menu, .nav-enhanced .nav-menu:not([hidden]), .nav-enhanced .nav-menu-right:not([hidden]) { position: static; flex-basis: 100%; width: 100%; transform: none; box-shadow: none; }
  .nav-menu a { white-space: normal; }
  .hero { min-height: 490px; }
  .hero-copy { width: 70%; }
  .transformative-banner { grid-template-columns: 1fr; gap: var(--space-4); }
  .transformative-banner-label { max-width: none; }
  .service-detail-grid, .about-grid, .claims-layout { grid-template-columns: 1fr; gap: var(--space-8); }
  .service-main-copy { position: static; }
  .answers-section .detail-card-grid { grid-template-columns: 1fr; }
}
@media (max-width: 700px) {
  :root { --text-body: 1rem; }
  .hero { display: flex; min-height: 530px; padding: var(--space-10) var(--gutter); }
  .hero-copy { width: 100%; max-width: none; }
  .brand-panel .brand-slot { height: 80px; }
  .brand-panel > strong { font-size: 1.125rem; }
  .brand-panel { padding-left: var(--space-4); }
  .hero h1 { max-width: 18ch; }
  .hero::before { background-position: 60% 50%; }
  .hero::after { background: rgba(255,255,255,.86); }
  .office-grid { grid-template-columns: 1fr; }
  .services-section > .section-intro { display: block; }
  .services-section > .section-intro h2 { margin-bottom: var(--space-4); }
  .service-grid, .customer-grid, .next-service-grid, .people-feature-grid { grid-template-columns: 1fr; }
  .customer-image-panel { grid-column: auto; aspect-ratio: 1.7; }
  .adviser-profile { grid-template-columns: 1fr; row-gap: var(--space-6); }
  .adviser-profile-copy { grid-column: 1; grid-row: 1; }
  .adviser-profile-image { grid-column: 1; grid-row: 2; }
  .profile-details { grid-column: 1; grid-row: 3; }
  .misconception-grid { grid-template-columns: 1fr; }
  .adviser-profile-image { width: min(100%, 430px); max-height: 420px; aspect-ratio: 1 / 1; }
  .adviser-profile-copy { padding: 0; }
  .profile-contact { grid-template-columns: 1fr 1.4fr; }
  .office-card { grid-template-columns: 1fr; padding: var(--space-5); }
  .office-map { min-height: 160px; }
  .office-map iframe { min-height: 200px; }
}
@media (max-width: 500px) {
  .brand-mark img { width: 190px; }
  .site-header { gap: var(--space-3); padding-block: 14px; }
  .adviser-card, .adviser-card-lead { grid-column: auto; grid-template-columns: 112px minmax(0, 1fr); }
  .adviser-image, .adviser-card-lead .adviser-image { min-height: 260px; }
  .adviser-image img { object-fit: cover; object-position: center top; }
  .adviser-card-copy, .adviser-card-lead .adviser-card-copy { padding: var(--space-4); }
  .adviser-actions { gap: var(--space-2); }
  .adviser-actions .text-link:not(:first-child)::after { display: none; }
  .adviser-card-lead h3 { font-size: var(--text-h3); }
  .people-nav { flex-wrap: nowrap; overflow-x: auto; gap: 6px; padding: 4px; margin-inline: -4px; scrollbar-width: thin; }
  .people-nav a { flex-shrink: 0; white-space: nowrap; padding-inline: 12px; font-size: var(--text-small); }
  .profile-contact, .form-grid { grid-template-columns: 1fr; }
  .footer-grid { gap: var(--space-6); }
  .footer-grid > div:first-child { grid-column: 1 / -1; }
  .footer-grid > div:nth-child(3) { grid-column: 1 / -1; grid-row: 3; }
  .footer-grid > div:nth-child(4) { grid-column: 2; grid-row: 2 / 4; }
  .claims-metrics { gap: var(--space-3); }
  .claims-metrics article { padding: var(--space-4); }
}
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation: none !important; transition: none !important; }
}

.footer .footer-registration { margin: var(--space-8) auto 0; padding-top: var(--space-5); border-top: 1px solid #477b87; color: #e6eef0; }
@media (min-width: 1400px) { .office-grid { grid-template-columns: repeat(3, minmax(0, 1fr)); } }

@media (max-width: 900px) {
  .site-header:not(.nav-enhanced) .nav-toggle, .site-header:not(.nav-enhanced) .nav-disclosure { display: none; }
  .site-header:not(.nav-enhanced) .nav-links { display: flex; max-height: none; }
  .site-header:not(.nav-enhanced) .nav-menu { position: static; opacity: 1; pointer-events: auto; transform: none; width: 100%; box-shadow: none; }
}

/* Profile Q&A is optional, server-rendered and retains plain-text line breaks. */
.adviser-qa-section { background: var(--mist); }
.adviser-qa-section h2 { margin-bottom: var(--space-8); }
.adviser-qa-list { display: grid; gap: var(--space-5); }
.adviser-qa-card h3, .adviser-qa-card p { white-space: pre-wrap; overflow-wrap: anywhere; }
.adviser-qa-card h3 { font-size: var(--text-h3); }