:root{--navy:#0b3151;--navy-deep:#09253b;--blue:#4b8fbe;--sky:#e8f2f7;--sand:#f7f5f0;--sand-dark:#f2efe7;--gold:#c5934b;--green:#79936e;--line:#d7dee4;--text:#173247;--muted:#5a6f7f;--content-max:1560px;--reading-width:76ch;--radius:16px;--shadow-soft:0 16px 38px #0b315114}*{box-sizing:border-box}html{scroll-behavior:smooth}body{color:var(--text);background:#fff}a{color:var(--navy);text-decoration:none}a:hover{text-underline-offset:3px;text-decoration:underline}img{max-width:100%;height:auto;display:block}p,ul,ol{margin:0 0 1rem}main{overflow:clip}.wrap{width:min(100%, var(--content-max));margin-inline:auto;padding-inline:clamp(20px,3.2vw,58px)}.section{padding-block:clamp(58px,7vw,96px)}.section-soft{background:linear-gradient(#fcfbf8 0%,#f5f2ea 100%)}.grid{gap:clamp(18px,2vw,28px);display:grid}.grid.four{grid-template-columns:repeat(4,minmax(0,1fr))}.split{grid-template-columns:minmax(0,1fr) 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p{color:var(--muted)}.card-body>a{margin-top:10px;font-weight:700;display:inline-block}.calculator-layout{grid-template-columns:minmax(0,1.15fr) minmax(340px,.85fr);align-items:stretch;gap:clamp(24px,4vw,38px);display:grid}.calc{background:linear-gradient(135deg,#eef6fb 0%,#dbe9f1 100%);border:1px solid #bfccd6e6;border-radius:22px;padding:clamp(28px,3vw,40px)}.fields{grid-template-columns:repeat(2,minmax(0,1fr));gap:16px;max-width:100%;display:grid}.fields label,.form label{color:var(--navy);font-size:.94rem;font-weight:700;display:block}.fields input,.fields textarea,.fields select,.form input,.form textarea,.form select{width:100%;color:var(--text);font:inherit;background:#fff;border:1px solid #b8c8d3;border-radius:12px;margin-top:8px;padding:14px 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img{aspect-ratio:4/3;object-fit:cover;width:100%}.region-caption{text-align:right;font-size:.95rem;font-weight:700;bottom:22px;right:22px}.advisor-section{grid-template-columns:minmax(210px,.8fr) minmax(0,1.1fr) minmax(340px,1.3fr);align-items:center;gap:clamp(22px,2.8vw,42px);display:grid}.advisor-portrait{align-self:stretch;min-height:320px;margin:0}.advisor-portrait img{aspect-ratio:4/5;object-fit:cover;object-position:center;width:100%;height:100%;min-height:320px;box-shadow:var(--shadow-soft);border-radius:22px}.lead-mini{color:var(--navy);font-size:1.08rem}.advisor-card{box-shadow:var(--shadow-soft);background:linear-gradient(#fff 0%,#f9fbfc 100%);border:1px solid #d7dee4e6;border-radius:22px;grid-template-columns:minmax(0,1fr) 210px;gap:22px;padding:clamp(24px,3vw,30px);display:grid}.advisor-card-page{align-self:stretch}.advisor-details 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figcaption{color:var(--muted);margin-top:12px;font-size:.92rem}.article{width:min(100%, var(--content-max));margin-inline:auto;padding:clamp(32px,4vw,58px) clamp(20px,3.2vw,58px) 90px}.article :is(p,ul,ol){max-width:var(--reading-width);line-height:1.72}.article :is(h1,h2,h3){max-width:1050px}.article h2{margin-top:48px}.article .lead{max-width:1000px;font-size:1.22rem}.note{border-left:4px solid var(--gold);background:#f5f4f0;border-radius:10px;max-width:1100px;padding:20px}.form{gap:16px;max-width:100%;display:grid}.form fieldset{border:1px solid var(--line)}.footer{background:var(--navy-deep);color:#e8edf0;padding:44px 0}.footer a{color:#e8edf0}.footer-cols{flex-wrap:wrap;justify-content:space-between;gap:28px;display:flex}.footer nav{flex-direction:column;align-items:flex-start;gap:10px;display:flex}.footer nav strong{margin-bottom:4px}.sr-only{clip:rect(0, 0, 0, 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var(--line)}.benefit:last-child{border-bottom:none}.fields,.advisor-card{grid-template-columns:1fr}.advisor-portrait,.advisor-portrait img{min-height:0}.article-card-grid{grid-template-columns:1fr}.advisor-qr{justify-self:start;max-width:220px}.paper-note,.handwritten-note,.region-caption{width:fit-content;margin-top:14px;position:static}.article{padding:30px 20px 64px}.article :is(p,ul,ol,h1,h2,h3){max-width:100%}}@media (width<=560px){.grid.four{grid-template-columns:1fr}.benefit:nth-child(-n+2){border-bottom:1px solid var(--line)}}@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}.button{transition:none}}.hero-content h1{margin-bottom:10px;font-size:clamp(2.1rem,3.15vw,3.5rem);line-height:1.08}.hero-content .eyebrow{margin-bottom:8px}.hero-content .hero-sub{font-size:clamp(1rem,1.2vw,1.16rem);line-height:1.35}.hero-content .fee{max-width:590px;font-size:.77rem;line-height:1.4}.hero-content .checks{font-size:.93rem}.hero-badge{width:min(195px,100%);padding:16px 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