/* ===========================================================
   Pienza Wealth Partners — Design System
   Warm ivory + deep charcoal + brass gold · Cormorant Garamond / Mulish
   =========================================================== */
:root{
  --ivory:#FAF8F3;
  --cream:#F2ECE1;
  --sand:#EBE3D3;
  --paper:#FFFFFF;
  --ink:#1E1D1A;          /* headings / primary text (warm near-black) */
  --charcoal:#1F2226;     /* dark sections / nav accents / footer */
  --charcoal-2:#282C31;
  --muted:#6B665C;        /* secondary text */
  --muted-2:#8A8477;
  --gold:#A9885A;         /* brass accent */
  --gold-deep:#8C6E3E;
  --gold-soft:#C9AE86;
  --hair:#E4DBCA;         /* hairlines */
  --hair-dark:rgba(255,255,255,.14);
  --shadow:0 24px 50px -30px rgba(30,29,26,.45);
  --ease:cubic-bezier(.23,1,.32,1);
  --wrap:1180px;
  --radius:14px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{
  font-family:'Mulish',system-ui,-apple-system,sans-serif;
  color:#33302A;background:var(--ivory);line-height:1.62;font-size:16.5px;
  -webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility;
}
h1,h2,h3,h4{font-family:'Cormorant Garamond',Georgia,serif;color:var(--ink);font-weight:600;line-height:1.12;letter-spacing:.002em}
img{max-width:100%;display:block;height:auto}
a{color:inherit;text-decoration:none}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 26px}
.eyebrow{font-family:'Mulish';font-weight:700;font-size:12px;letter-spacing:.2em;text-transform:uppercase;color:var(--gold-deep)}
.eyebrow.light{color:var(--gold-soft)}
.center{text-align:center}
.skip{position:absolute;left:-9999px}
.skip:focus{left:12px;top:12px;background:var(--ink);color:#fff;padding:10px 16px;border-radius:8px;z-index:200}

/* ---------- buttons ---------- */
.btn{display:inline-flex;align-items:center;gap:9px;font-family:'Mulish';font-weight:700;font-size:14.5px;letter-spacing:.01em;
  border-radius:6px;padding:13px 26px;cursor:pointer;border:1.5px solid transparent;transition:transform .15s var(--ease),background .2s var(--ease),color .2s var(--ease),border-color .2s var(--ease)}
.btn:active{transform:scale(.975)}
.btn-primary{background:var(--ink);color:#F7F3EC}
.btn-primary:hover{background:#000}
.btn-gold{background:var(--gold);color:#fff}
.btn-gold:hover{background:var(--gold-deep)}
.btn-outline{background:transparent;color:var(--ink);border-color:var(--ink)}
.btn-outline:hover{background:var(--ink);color:#F7F3EC}
.btn-light{background:transparent;color:#F5EFE4;border-color:rgba(245,239,228,.5)}
.btn-light:hover{background:#F5EFE4;color:var(--ink);border-color:#F5EFE4}
.btn-lg{padding:15px 32px;font-size:15px}
.btn-sm{padding:10px 18px;font-size:13px}
.arrow::after{content:"→";transition:transform .2s var(--ease);display:inline-block}
.arrow:hover::after{transform:translateX(3px)}

/* ---------- header ---------- */
.topbar{background:var(--charcoal);color:#D8D2C6;font-size:12.5px;letter-spacing:.02em}
.topbar .wrap{display:flex;justify-content:space-between;align-items:center;height:38px}
.topbar a{color:#D8D2C6;transition:color .2s}
.topbar a:hover{color:var(--gold-soft)}
.topbar .tb-r{display:flex;gap:20px;align-items:center}
.topbar .tb-l{color:var(--gold-soft);font-weight:600}

header.site{position:sticky;top:0;z-index:100;background:rgba(250,248,243,.94);backdrop-filter:blur(10px);border-bottom:1px solid var(--hair)}
.nav{display:flex;align-items:center;justify-content:space-between;height:74px}
.brand{display:flex;align-items:center;gap:12px}
.brand .mk{width:38px;height:38px;flex:0 0 38px}
.brand .bn{font-family:'Cormorant Garamond';font-weight:600;font-size:23px;color:var(--ink);line-height:1;letter-spacing:.01em}
.brand .bn small{display:block;font-family:'Mulish';font-weight:700;font-size:8.5px;letter-spacing:.34em;color:var(--gold-deep);text-transform:uppercase;margin-top:3px}
.menu{display:flex;align-items:center;gap:2px}
.menu > li{position:relative;list-style:none}
.menu > li > a{display:block;padding:10px 15px;font-size:14.5px;font-weight:600;color:#3a382f;transition:color .2s}
.menu > li > a:hover,.menu > li.active > a{color:var(--gold-deep)}
.menu .has > a::after{content:"▾";font-size:13px;margin-left:5px;color:var(--muted-2)}
.dropdown{position:absolute;top:100%;left:0;min-width:250px;background:var(--paper);border:1px solid var(--hair);border-radius:10px;box-shadow:var(--shadow);
  padding:8px;opacity:0;visibility:hidden;transform:translateY(6px);transition:all .18s var(--ease);z-index:120}
.menu .has:hover .dropdown{opacity:1;visibility:visible;transform:none}
.dropdown a{display:block;padding:9px 14px;border-radius:7px;font-size:14px;font-weight:600;color:#3a382f;transition:background .15s,color .15s}
.dropdown a:hover{background:var(--cream);color:var(--gold-deep)}
.nav-cta{display:flex;align-items:center;gap:14px}
.hamb{display:none;flex-direction:column;gap:5px;background:none;border:0;cursor:pointer;padding:8px}
.hamb span{width:24px;height:2px;background:var(--ink);border-radius:2px;transition:.2s}

/* mobile drawer */
.mobile{display:none;position:fixed;inset:0;z-index:150;background:rgba(20,19,17,.5);opacity:0;visibility:hidden;transition:opacity .2s}
.mobile.open{opacity:1;visibility:visible}
.mobile .panel{position:absolute;right:0;top:0;height:100%;width:min(360px,86vw);background:var(--ivory);padding:24px;overflow-y:auto;transform:translateX(100%);transition:transform .25s var(--ease)}
.mobile.open .panel{transform:none}
.mobile .panel a{display:block;padding:13px 8px;font-size:16px;font-weight:600;color:var(--ink);border-bottom:1px solid var(--hair)}
.mobile .panel .sub a{padding-left:22px;font-size:14.5px;color:var(--muted);font-weight:600}
.mobile .close{background:none;border:0;font-size:26px;cursor:pointer;color:var(--ink);float:right}

/* ---------- hero ---------- */
.hero{position:relative;background:var(--charcoal);color:#F2ECE1;overflow:hidden;isolation:isolate}
.hero .bg{position:absolute;inset:0;z-index:-2;background:
  radial-gradient(120% 100% at 75% 15%, #3a3730 0%, rgba(58,55,48,0) 55%),
  linear-gradient(180deg,#23262b 0%, #1b1e22 60%, #191b1f 100%)}
.hero .arch{position:absolute;right:0;bottom:0;height:100%;width:56%;z-index:-1;opacity:.5}
.hero .arch svg{height:100%;width:100%}
.hero-inner{padding:96px 0 92px;max-width:720px}
.hero h1{font-size:clamp(42px,6vw,72px);color:#FBF7EF;font-weight:600;line-height:1.04}
.hero h1 em{font-style:italic;color:var(--gold-soft)}
.hero .lead{font-size:19px;color:#D9D3C7;margin-top:22px;max-width:56ch;line-height:1.6}
.hero .cta-row{display:flex;gap:14px;margin-top:34px;flex-wrap:wrap}
.hero .microtrust{margin-top:34px;display:flex;gap:26px;flex-wrap:wrap;color:#B9B3A6;font-size:13px;letter-spacing:.03em}
.hero .microtrust b{color:var(--gold-soft);font-weight:700}
.video-note{position:absolute;left:26px;bottom:14px;z-index:2;font-size:10.5px;letter-spacing:.08em;color:rgba(240,236,228,.4);text-transform:uppercase}

/* ---------- sections ---------- */
section{padding:64px 0}
.sec-sm{padding:44px 0}
.bg-cream{background:var(--cream)}
.bg-sand{background:var(--sand)}
.bg-paper{background:var(--paper)}
.bg-dark{background:var(--charcoal);color:#EDE7DB}
.bg-dark h1,.bg-dark h2,.bg-dark h3{color:#FBF7EF}
.sechead{max-width:660px;margin-bottom:36px}
.sechead.center{margin-left:auto;margin-right:auto}
.sechead h2{font-size:clamp(30px,3.8vw,44px);margin-top:12px}
.sechead p{font-size:17px;color:var(--muted);margin-top:14px}
.bg-dark .sechead p{color:#C3BDB0}
.lede{font-size:19px;color:#413d35;line-height:1.6}

/* ---------- credibility bar ---------- */
.creds{border-top:1px solid var(--hair);border-bottom:1px solid var(--hair);background:var(--ivory)}
.creds .row{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;padding:30px 0;text-align:center}
.creds .c b{font-family:'Cormorant Garamond';font-size:38px;font-weight:600;color:var(--ink);display:block;line-height:1}
.creds .c span{font-size:12.5px;letter-spacing:.09em;text-transform:uppercase;color:var(--muted);margin-top:6px;display:block}

/* ---------- carrier banner ---------- */
.carriers{background:var(--charcoal);color:#CFC8BA;padding:26px 0}
.carriers .wrap{display:flex;align-items:center;justify-content:center;gap:14px 40px;flex-wrap:wrap}
.carriers .lbl{font-size:11.5px;letter-spacing:.16em;text-transform:uppercase;color:var(--gold-soft);font-weight:700;width:100%;text-align:center;margin-bottom:4px}
.carriers .cw{font-family:'Cormorant Garamond';font-size:21px;font-weight:600;color:#9a9488;letter-spacing:.02em}

/* ---------- cards / services grid ---------- */
.grid{display:grid;gap:20px}
.g3{grid-template-columns:repeat(3,1fr)}
.g2{grid-template-columns:repeat(2,1fr)}
.g4{grid-template-columns:repeat(4,1fr)}
.card{background:var(--paper);border:1px solid var(--hair);border-radius:var(--radius);padding:28px;transition:transform .25s var(--ease),box-shadow .25s var(--ease),border-color .25s var(--ease)}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:var(--gold-soft)}
.card .ico{width:44px;height:44px;border-radius:9px;background:var(--cream);display:flex;align-items:center;justify-content:center;margin-bottom:16px}
.card .ico svg{width:23px;height:23px;stroke:var(--gold-deep);fill:none;stroke-width:1.6}
.card h3{font-size:23px;margin-bottom:8px}
.card p{font-size:14.5px;color:var(--muted)}
.card .more{display:inline-block;margin-top:15px;font-weight:700;font-size:13px;letter-spacing:.02em;color:var(--gold-deep)}
.card .more::after{content:" →";transition:margin .2s var(--ease)}
.card:hover .more::after{margin-left:4px}

/* value pillars */
.pillar{border-top:2px solid var(--gold);padding-top:18px}
.pillar h3{font-size:22px;margin-bottom:6px}
.pillar .q{font-style:italic;color:var(--gold-deep);font-family:'Cormorant Garamond';font-size:18px;margin-bottom:8px}
.pillar p{font-size:14.5px;color:var(--muted)}

/* process timeline */
.process{max-width:860px;margin:0 auto}
.pstep{display:grid;grid-template-columns:56px 1fr;gap:22px;align-items:start;position:relative;padding-bottom:20px}
.pstep:not(:last-child)::before{content:"";position:absolute;left:27px;top:58px;bottom:-4px;width:2px;background:var(--hair)}
.pnum{width:56px;height:56px;border-radius:50%;background:var(--charcoal);color:var(--gold-soft);font-family:'Cormorant Garamond';font-weight:600;font-size:21px;display:flex;align-items:center;justify-content:center;flex:0 0 56px;z-index:1}
.pbody{background:var(--paper);border:1px solid var(--hair);border-radius:14px;padding:20px 24px;box-shadow:0 10px 30px -24px rgba(30,29,26,.4)}
.pbody h3{font-size:22px;margin-bottom:5px}
.pbody p{font-size:14.8px;color:var(--muted)}

/* advisor hero photo — keep balanced, never stretched */
.advisor-pic img{width:100%;height:auto;max-width:330px;aspect-ratio:4/5;object-fit:cover}

/* split */
.split{display:grid;grid-template-columns:1.05fr .95fr;gap:52px;align-items:center}
.split.rev{grid-template-columns:.95fr 1.05fr}
.panel-img{border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);border:1px solid var(--hair);min-height:340px;background:linear-gradient(135deg,#cbb591,#8a9678)}
.panel-note{position:relative}
.panel-note .tag{position:absolute;left:16px;bottom:16px;background:rgba(250,248,243,.94);border-radius:9px;padding:8px 14px;font-size:11px;letter-spacing:.1em;text-transform:uppercase;color:var(--muted)}

/* list check */
.checks{list-style:none;margin-top:18px;display:grid;gap:12px}
.checks li{display:flex;gap:11px;align-items:flex-start;font-size:15.5px;color:#413d35}
.checks li::before{content:"";flex:0 0 20px;height:20px;margin-top:2px;border-radius:50%;background:var(--gold);
  -webkit-mask:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'><path fill='white' d='M9 16.2l-3.5-3.5L4 14.2l5 5 11-11-1.5-1.4z'/></svg>") center/13px no-repeat;
  mask:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'><path fill='white' d='M9 16.2l-3.5-3.5L4 14.2l5 5 11-11-1.5-1.4z'/></svg>") center/13px no-repeat}

/* ---------- benefits ---------- */
.benefit{background:var(--paper);border:1px solid var(--hair);border-radius:12px;padding:22px}
.benefit h4{font-size:19px;margin-bottom:6px;color:var(--ink)}
.benefit p{font-size:14px;color:var(--muted)}

/* ---------- team ---------- */
.tabs{display:flex;gap:8px;justify-content:center;flex-wrap:wrap;margin-bottom:34px}
.tab{padding:11px 22px;border:1px solid var(--hair);background:var(--paper);border-radius:30px;font-weight:700;font-size:13.5px;color:var(--muted);cursor:pointer;transition:all .2s var(--ease)}
.tab.active{background:var(--ink);color:#F5EFE4;border-color:var(--ink)}
.team-group{display:none}
.team-group.show{display:block}
.team-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.member{text-align:left}
.member .ph{aspect-ratio:4/5;border-radius:12px;overflow:hidden;background:var(--charcoal);border:1px solid var(--hair);margin-bottom:14px}
.member .ph img{width:100%;height:100%;object-fit:cover}
.member h4{font-size:22px;margin-bottom:2px}
.member .role{font-size:12.5px;letter-spacing:.08em;text-transform:uppercase;color:var(--gold-deep);font-weight:700;margin-bottom:8px}
.member p{font-size:13.5px;color:var(--muted)}

/* ---------- testimonials / reviews ---------- */
.reviews-head{display:flex;align-items:center;justify-content:center;gap:12px;margin-bottom:8px}
.gbadge{display:inline-flex;align-items:center;gap:8px;font-weight:700;color:var(--muted);font-size:14px}
.stars{color:var(--gold);letter-spacing:2px}
.review{background:var(--paper);border:1px solid var(--hair);border-radius:12px;padding:26px}
.review .stars{font-size:16px;margin-bottom:12px}
.review p{font-size:15px;color:#413d35;font-style:italic;font-family:'Cormorant Garamond';font-size:19px;line-height:1.45}
.review .who{margin-top:16px;font-weight:700;font-size:13.5px;color:var(--ink);font-style:normal;font-family:'Mulish'}
.review .who span{display:block;color:var(--muted);font-weight:600;font-size:12.5px;margin-top:2px}

/* ---------- quote / tools band ---------- */
.toolcard{background:var(--paper);border:1px solid var(--hair);border-radius:var(--radius);padding:28px;display:flex;flex-direction:column}
.toolcard .ico{width:46px;height:46px;border-radius:10px;background:var(--cream);display:flex;align-items:center;justify-content:center;margin-bottom:16px}
.toolcard .ico svg{width:24px;height:24px;stroke:var(--gold-deep);fill:none;stroke-width:1.6}
.toolcard h3{font-size:22px;margin-bottom:8px}
.toolcard p{font-size:14px;color:var(--muted);flex:1}
.toolcard .btn{margin-top:16px;align-self:flex-start}

/* calculator */
.calc{background:var(--paper);border:1px solid var(--hair);border-radius:var(--radius);padding:28px;box-shadow:var(--shadow)}
.calc h3{font-size:26px;margin-bottom:6px}
.calc .field{margin-bottom:14px}
.calc label{display:block;font-size:12.5px;font-weight:700;letter-spacing:.03em;text-transform:uppercase;color:var(--muted);margin-bottom:6px}
.calc input,.calc select{width:100%;border:1px solid var(--hair);border-radius:8px;padding:12px 14px;font-size:15px;font-family:'Mulish';color:var(--ink);background:var(--ivory)}
.calc input:focus,.calc select:focus{outline:2px solid var(--gold-soft);border-color:var(--gold)}
.calc .hint{display:block;font-size:11.5px;color:var(--muted-2);margin-top:5px;line-height:1.4}
.calc .result{margin-top:18px;padding:20px;border-radius:10px;background:var(--charcoal);color:#F5EFE4;text-align:center}
.calc .result .big{font-family:'Cormorant Garamond';font-size:44px;font-weight:600;color:var(--gold-soft);line-height:1}
.calc .result small{display:block;color:#C3BDB0;font-size:12.5px;letter-spacing:.06em;text-transform:uppercase;margin-top:6px}

/* ---------- locations ---------- */
.loc{background:var(--paper);border:1px solid var(--hair);border-radius:var(--radius);overflow:hidden}
.loc .img{aspect-ratio:16/10;background:linear-gradient(135deg,#3a3730,#20242a);position:relative}
.loc .img .cap{position:absolute;left:14px;bottom:12px;color:rgba(245,239,228,.55);font-size:10.5px;letter-spacing:.1em;text-transform:uppercase}
.loc .body{padding:22px}
.loc .desig{font-size:11.5px;letter-spacing:.12em;text-transform:uppercase;color:var(--gold-deep);font-weight:700}
.loc h3{font-size:24px;margin:6px 0 6px}
.loc address{font-style:normal;color:var(--muted);font-size:14.5px;line-height:1.5}
.loc .acts{display:flex;gap:10px;margin-top:16px;flex-wrap:wrap}

/* states */
.states{display:flex;flex-wrap:wrap;gap:9px;margin-top:8px}
.states span{background:var(--paper);border:1px solid var(--hair);border-radius:6px;padding:7px 12px;font-size:13px;font-weight:700;color:#413d35;letter-spacing:.03em}

/* ---------- newsletter ---------- */
.news{background:var(--charcoal);color:#EDE7DB}
.news .wrap{display:flex;align-items:center;justify-content:space-between;gap:30px;flex-wrap:wrap;padding:36px 26px}
.news h3{color:#FBF7EF;font-size:28px}
.news p{color:#C3BDB0;font-size:14.5px;margin-top:4px}
.news form{display:flex;gap:10px;flex-wrap:wrap}
.news input{border:1px solid var(--hair-dark);background:rgba(255,255,255,.06);color:#fff;border-radius:6px;padding:13px 16px;font-size:14.5px;min-width:250px;font-family:'Mulish'}
.news input::placeholder{color:#9b958a}

/* ---------- forms ---------- */
.formcard{background:var(--paper);border:1px solid var(--hair);border-radius:var(--radius);padding:30px;box-shadow:var(--shadow)}
.formrow{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.formcard .field{margin-bottom:15px}
.formcard label{display:block;font-size:12.5px;font-weight:700;letter-spacing:.03em;text-transform:uppercase;color:var(--muted);margin-bottom:6px}
.formcard input,.formcard select,.formcard textarea{width:100%;border:1px solid var(--hair);border-radius:8px;padding:12px 14px;font-size:15px;font-family:'Mulish';color:var(--ink);background:var(--ivory)}
.formcard input:focus,.formcard select:focus,.formcard textarea:focus{outline:2px solid var(--gold-soft);border-color:var(--gold)}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:12.5px;color:var(--muted);line-height:1.5}
.consent input{width:auto;margin-top:3px}

/* ---------- breadcrumb ---------- */
.crumb{font-size:12.5px;color:var(--muted);padding:16px 0}
.crumb a{color:var(--gold-deep);font-weight:600}
.crumb span{margin:0 7px;color:var(--muted-2)}

/* ---------- page hero (interior) ---------- */
.phero{background:var(--charcoal);color:#F2ECE1;position:relative;overflow:hidden}
.phero .bg{position:absolute;inset:0;z-index:0;background:radial-gradient(120% 120% at 80% 0%, #3a3730 0%, rgba(58,55,48,0) 55%),linear-gradient(180deg,#23262b,#191b1f)}
.phero .wrap{position:relative;z-index:1;padding:66px 26px 60px}
.phero h1{font-size:clamp(36px,5vw,58px);color:#FBF7EF}
.phero p{font-size:18px;color:#D3CDC0;margin-top:14px;max-width:62ch}
.phero .eyebrow{color:var(--gold-soft)}

/* ---------- blog ---------- */
.post-card{background:var(--paper);border:1px solid var(--hair);border-radius:var(--radius);overflow:hidden;transition:transform .25s var(--ease),box-shadow .25s var(--ease)}
.post-card:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
.post-card .thumb{aspect-ratio:16/9;background:linear-gradient(135deg,#cbb591,#8a9678)}
.post-card .thumb.b{background:linear-gradient(135deg,#b7c1a6,#7f8a67)}
.post-card .thumb.c{background:linear-gradient(135deg,#d8bfa0,#b0895f)}
.post-card .b2{padding:22px}
.post-card .tag{font-size:11px;letter-spacing:.1em;text-transform:uppercase;color:var(--gold-deep);font-weight:700}
.post-card h3{font-size:23px;margin:9px 0 8px;line-height:1.2}
.post-card p{font-size:14px;color:var(--muted)}
.article{max-width:760px;margin:0 auto}
.article p{font-size:17px;color:#3a372f;margin:0 0 18px;line-height:1.7}
.article h2{font-size:32px;margin:34px 0 12px}
.article h3{font-size:24px;margin:26px 0 10px}
.article ul{margin:0 0 18px 22px}
.article li{font-size:17px;margin-bottom:8px;color:#3a372f}
.article .meta{color:var(--muted);font-size:13.5px;margin-bottom:24px}

/* ---------- CTA band ---------- */
.ctaband{background:var(--charcoal);color:#F2ECE1;text-align:center}
.ctaband h2{color:#FBF7EF;font-size:clamp(30px,3.8vw,46px)}
.ctaband p{color:#C9C3B6;font-size:18px;margin:14px auto 28px;max-width:56ch}

/* ---------- footer ---------- */
footer.site{background:#17191c;color:#B4AEA2}
.foot-top{display:grid;grid-template-columns:1.6fr 1fr 1fr 1.1fr;gap:34px;padding:56px 0 34px}
footer .bn{font-family:'Cormorant Garamond';font-weight:600;font-size:23px;color:#fff}
footer .bn small{display:block;font-family:'Mulish';font-weight:700;font-size:8.5px;letter-spacing:.34em;color:var(--gold-soft);text-transform:uppercase;margin-top:3px}
footer p.about{font-size:13.5px;margin-top:14px;color:#989287;max-width:34ch}
footer h4{color:#fff;font-family:'Mulish';font-weight:700;font-size:12px;letter-spacing:.12em;text-transform:uppercase;margin-bottom:15px}
footer ul{list-style:none}
footer li{margin-bottom:9px}
footer a{font-size:13.8px;color:#B4AEA2;transition:color .2s}
footer a:hover{color:var(--gold-soft)}
footer .contactline{font-size:13.8px;color:#B4AEA2;margin-bottom:9px}
.disc{border-top:1px solid rgba(255,255,255,.1);padding:22px 0 12px;font-size:11.5px;color:#7f7a70;line-height:1.7}
.disc p{margin-bottom:9px}
.legal-bottom{display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px;padding:14px 0 44px;font-size:12px;color:#7f7a70;border-top:1px solid rgba(255,255,255,.1)}
.legal-bottom a{color:#9b958a}

/* ---------- advisor landing ---------- */
.advisor-top{display:grid;grid-template-columns:1.15fr .85fr;gap:40px;align-items:center}
.advisor-pic img{border-radius:14px;border:1px solid var(--hair-dark);max-width:340px;margin-left:auto;box-shadow:var(--shadow)}
.role-line{font-size:14px;letter-spacing:.16em;text-transform:uppercase;color:var(--gold-soft);font-weight:700;margin:8px 0 14px}
.hero-contact{display:flex;gap:22px;flex-wrap:wrap;margin:16px 0 4px;font-size:15px}
.hero-contact a{color:#EDE7DB;font-weight:600;border-bottom:1px solid rgba(201,174,134,.5);padding-bottom:2px}

/* ---------- reveal ---------- */
html.js .reveal{opacity:0;transform:translateY(14px);transition:opacity .6s var(--ease),transform .6s var(--ease)}
html.js .reveal.in{opacity:1;transform:none}
[id]{scroll-margin-top:96px}

/* ---------- responsive ---------- */
@media(max-width:960px){
  .menu,.topbar .tb-r span.hide{display:none}
  .hamb{display:flex}
  .mobile{display:block}
  .hero-inner{padding-left:26px;padding-right:26px}
  .g3,.g4,.team-grid{grid-template-columns:1fr 1fr}
  .creds .row{grid-template-columns:1fr 1fr;gap:26px}
  .split,.split.rev,.advisor-top{grid-template-columns:1fr;gap:30px}
  .advisor-pic img{margin:0 0 6px 0;max-width:300px}
  .foot-top{grid-template-columns:1fr 1fr;gap:26px}
}
@media(max-width:600px){
  section{padding:48px 0}
  .g2,.g3,.g4,.team-grid,.formrow{grid-template-columns:1fr}
  .hero-inner{padding:70px 22px 64px}
  .hero h1{font-size:36px}
  .hero .lead{font-size:17px}
  .news .wrap{padding:28px 20px}
  .foot-top{grid-template-columns:1fr}
  .nav{height:64px}
}
@media(prefers-reduced-motion:reduce){
  *{scroll-behavior:auto}
  html.js .reveal{opacity:1;transform:none;transition:none}
  .btn:active{transform:none}
}

/* ===== Session additions: Spanish market · WhatsApp · sticky mobile CTA ===== */
.es-badge{background:rgba(201,174,134,.16);color:var(--gold-soft);font-weight:700;padding:2px 9px;border-radius:10px;white-space:nowrap}
.es-band{background:linear-gradient(135deg,#F7EFE0,#EFE7D6);border-top:1px solid var(--hair);border-bottom:1px solid var(--hair);padding:56px 0}
.es-band .es-inner{max-width:760px;margin:0 auto;text-align:center}
.es-band h2{font-size:clamp(28px,3.4vw,40px);margin-top:10px}
.es-band p{margin-top:16px;color:var(--muted);font-size:16px;line-height:1.7}
.es-band .es-cta{display:flex;gap:14px;justify-content:center;flex-wrap:wrap;margin-top:24px}
.carriers .cw-more{font-style:italic;color:var(--gold-soft);font-size:17px}
.wa-float{position:fixed;right:20px;bottom:20px;width:56px;height:56px;border-radius:50%;background:#25D366;display:flex;align-items:center;justify-content:center;box-shadow:0 10px 26px -6px rgba(37,211,102,.55);z-index:140;transition:transform .2s var(--ease)}
.wa-float:hover{transform:scale(1.08)}
.wa-float svg{width:30px;height:30px;fill:#fff}
.mcta{display:none}
@media(max-width:720px){
  .tb-desc{display:none}
  .mcta{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:130;gap:10px;padding:10px 14px;background:rgba(31,34,38,.97);backdrop-filter:blur(6px);border-top:1px solid var(--hair-dark);align-items:center}
  .mcta .btn{flex:1;justify-content:center}
  .mcta-call{width:46px;height:46px;flex:0 0 auto;display:flex;align-items:center;justify-content:center;border:1px solid rgba(245,239,228,.35);border-radius:11px}
  .mcta-call svg{width:20px;height:20px;fill:#F5EFE4}
  .wa-float{bottom:84px;width:52px;height:52px}
  .wa-float svg{width:28px;height:28px}
  body{padding-bottom:66px}
}

/* ===== Team photo framing adjustments (consistent head-and-shoulders crop) ===== */
.team-grid .ph img[src*="nick-galvero"]{object-position:50% 12%}
.team-grid .ph img[src*="sijeel-malik"]{object-position:50% 38%}
.team-grid .ph img[src*="jake-ratermann"]{object-position:50% 16%}