/* Editorial design system: ivory, midnight blue, restrained brass. */
.sister-businesses{background:#102732;color:#c6d3d1;font-size:11px;letter-spacing:.08em}
.sister-businesses>.shell{display:flex;align-items:center;justify-content:space-between;gap:20px}
.sister-label{font-size:10px;letter-spacing:.06em}
.sister-links{display:flex;align-items:stretch;gap:12px}
.sister-links a{display:flex;align-items:center;min-height:44px;padding:0 14px;color:#c6d3d1;text-decoration:none;border-bottom:2px solid transparent;transition:color .2s,background .2s}
.sister-links a:hover{color:#fff;background:#23434c}
.sister-links a[aria-current]{color:#e0cda5;border-bottom-color:#c7b38a}
@media(max-width:650px){.sister-label{display:none}.sister-businesses>.shell{justify-content:center}.sister-links{width:100%;justify-content:space-between;gap:8px}.sister-links a{justify-content:center;flex:1;padding:0 10px}}
:root{--ink:#142f3b;--ink-2:#102732;--paper:#faf9f5;--paper-2:#f0eee7;--blue:#bda77c;--blue-dark:#725a31;--blue-soft:#efe8db;--muted:#5e6c70;--line:#d9dcd5;--max:1240px}
body{font-family:"Segoe UI",Arial,sans-serif;font-size:17px;line-height:1.7}
h1,h2,h3{font-family:Georgia,"Times New Roman",serif;font-weight:400;letter-spacing:-.035em;line-height:1.12}
h1 em,h2 em{font-weight:400;color:inherit}
h2 em{color:#667d7b}
.shell{width:min(calc(100% - 96px),var(--max))}
.utility{background:#eef0eb;font-size:11px;letter-spacing:.045em;color:#4e615f}
.utility .shell,.utility .shell>div{display:flex;align-items:center;justify-content:space-between;gap:28px;min-height:33px}
.utility a{text-decoration:none}
.site-header{background:var(--paper);color:var(--ink);border-bottom:1px solid var(--line)}
.nav-row{min-height:103px}
.brand{position:relative;display:block;color:var(--ink);font-family:Georgia,serif;font-size:32px;letter-spacing:-.04em;font-weight:400;line-height:1}
.brand span{font-family:"Segoe UI",sans-serif;font-size:24px;font-weight:350;letter-spacing:.12em;padding-left:6px}
.brand::before{display:none}
.brand small{display:block;font-family:"Segoe UI",sans-serif;font-size:8px;font-weight:600;letter-spacing:.16em;margin-top:12px}
.site-nav{gap:29px}
.site-nav a{font-size:13px;color:var(--ink);text-transform:none;letter-spacing:.01em;min-height:44px;display:flex;align-items:center}
.site-nav a:hover,.site-nav a[aria-current=page]{color:#785f30;text-decoration:underline;text-underline-offset:6px}
.site-nav .nav-cta{background:var(--ink);color:white;padding:13px 23px;font-weight:500;gap:28px}
.menu-button{color:var(--ink);border-color:#adb9b6;padding:8px 13px}
.eyebrow,.section-kicker{font-size:11px;letter-spacing:.16em;font-weight:600;color:#6e603f}
.eyebrow::before{display:none}
.button{background:#c7b38a;color:#132f39;border:1px solid #c7b38a;min-height:54px;padding:15px 25px;font-size:13px;letter-spacing:.01em;text-transform:none;font-weight:600;gap:20px}
.button::after{display:none}
.button:hover{background:#decca8;color:var(--ink);border-color:#decca8}
.button.dark{background:var(--ink);color:white;border-color:var(--ink)}
.text-link{display:inline-flex;gap:18px;align-items:center;color:inherit;text-decoration:none;font-size:14px;font-weight:500;border-bottom:1px solid #a7b5af;padding:9px 0;min-height:44px}
.text-link:hover{color:#8c713d;border-color:#8c713d}
.home-hero{display:grid;grid-template-columns:1.12fr 1fr;min-height:665px;background:var(--ink-2);color:#fff}
.hero-editorial{padding:70px max(48px,calc((100vw - 1240px)/2));padding-right:35px}
.home-hero .eyebrow{color:#c7b38a;margin:0 0 28px}
.home-hero h1{margin:0;font-size:clamp(50px,5.1vw,78px);line-height:1.05;letter-spacing:-.045em}
.home-hero h1 em{color:#c9d5cc}
.hero-description{font-size:16px;color:#c7d2d3;margin:30px 0;max-width:440px}
.hero-text-link{display:block;font-size:12px;color:#d0dad7;margin-top:18px;text-decoration:none;padding:8px 0}
.hero-text-link:hover{text-decoration:underline}
.hero-photo{position:relative;overflow:hidden;min-width:0}
.hero-photo.hero-film{background:#faf9f5;aspect-ratio:1}
@media(min-width:651px){.home .home-hero{grid-template-columns:minmax(0,2fr) minmax(0,3fr)}.home .hero-editorial{min-width:0}.home .home-hero h1{font-size:clamp(36px,4vw,64px)}}
.hero-film:after{display:none}
.hero-film video{position:absolute;inset:0;display:block;width:100%;height:100%;object-fit:contain}
.film-controls{position:absolute;right:20px;bottom:18px;display:flex;gap:8px;z-index:2}
.film-controls[hidden]{display:none}
.film-controls button{min-height:44px;padding:9px 15px;border:1px solid #bda77c;background:#faf9f5ed;color:#142f3b;font:12px "Segoe UI",sans-serif;cursor:pointer}
.film-controls button:hover{background:#efe8db}
.visually-hidden{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip-path:inset(50%);white-space:nowrap;border:0}
@media(max-width:650px){.hero-photo.hero-film{height:auto;aspect-ratio:1}.film-controls{right:12px;bottom:10px;gap:6px}.film-controls button{padding:8px 12px;font-size:11px}}
.hero-photo>img{display:block;width:100%;height:100%;position:absolute;inset:0;object-fit:cover;object-position:50% 48%;filter:none}
.hero-photo:after{content:"";position:absolute;inset:55% 0 0;background:linear-gradient(transparent,#102732bb)}
.photo-caption{position:absolute;bottom:34px;left:36px;right:36px;display:flex;align-items:center;justify-content:space-between;z-index:1}
.photo-caption>span:first-child{font:italic 27px/1.2 Georgia,serif}
.compass-symbol{font:80px/1 Georgia;color:#e4d9bf}
.beliefs{border-bottom:1px solid var(--line)}
.beliefs .shell{display:flex;align-items:center;justify-content:space-between;min-height:91px;gap:15px}
.beliefs span{font-size:10px;letter-spacing:.15em;color:#526961}
.beliefs i{height:20px;width:1px;background:var(--line)}
.section{padding-block:108px}
.intro-editorial,.split-heading{display:grid;grid-template-columns:1.1fr 1fr;gap:95px}
.intro-editorial h2,.split-heading h2,.compass-grid h2{font-size:clamp(36px,4.1vw,56px);margin-top:22px}
.intro-editorial p,.split-heading p,.compass-grid>div>p{color:#5b6b70}
.intro-editorial .lead{font-size:23px;color:var(--ink);line-height:1.5;margin-top:0}
.service-row{display:grid;grid-template-columns:repeat(3,1fr);margin-top:70px}
.service-row>a{padding:27px 34px 8px 0;text-decoration:none;border-top:1px solid var(--line)}
.service-row>a+a{padding-left:34px;border-left:1px solid var(--line)}
.service-icon{font:italic 18px Georgia;color:#8a744a}
.service-row h3{font-size:26px;margin:25px 0 14px}
.service-row p{color:#5b6b70;font-size:15px;max-width:300px}
.service-row a:hover h3{color:#8a744a}
.framework-section{background:#15333e;color:#f7f7ee;padding:100px 0 55px}
.framework-section .eyebrow{color:#c7b38a}
.framework-section h2 em{color:#c7d3c9}
.framework-section .split-heading p{color:#c5d2d3}
.split-heading{align-items:end;margin-bottom:55px}
.split-heading .eyebrow{margin-top:0}
.framework-rows>a{display:grid;grid-template-columns:55px 1fr 1.35fr 45px;gap:20px;align-items:center;border-top:1px solid #52666b;padding:29px 0;text-decoration:none;transition:background .2s}
.framework-rows>a:hover{background:#23434c}
.row-number{color:#c7b38a;font:italic 17px Georgia}
#resources .resource-cover{background-size:cover;background-repeat:no-repeat;background-position:center}
#resources .cover-one{background-image:url('assets/retirement-income.png');background-position:center 65%}
#resources .cover-two{background-image:url('assets/portfolio-diversification.png')}
#resources .cover-three{background-image:url('assets/family-legacy.png')}
#resources .cover-shape{display:none}
#resources .resource-cover .resource-icon{box-sizing:content-box;padding:8px;background:rgba(250,249,245,.9);color:#142f3b;border-radius:50%}
.home #conversation{background-color:#e6ebe2;background-image:linear-gradient(90deg,rgba(230,235,226,.96) 0%,rgba(230,235,226,.9) 45%,rgba(230,235,226,.55) 75%,rgba(230,235,226,.42) 100%),url('assets/vacation-couple.png');background-size:cover;background-position:center 60%;background-repeat:no-repeat}
@media(max-width:650px){.home #conversation{background-image:linear-gradient(90deg,rgba(230,235,226,.94),rgba(230,235,226,.78)),url('assets/vacation-couple.png');background-position:78% center}}
.lever-symbol{display:inline-flex;width:1.15em;height:1.15em;vertical-align:-.2em;color:#897342;flex-shrink:0}
.lever-symbol svg{display:block;width:100%;height:100%}
.resource-cover .resource-icon{width:36px;height:36px;position:relative;z-index:1;color:inherit}
.process-list .process-icon{width:28px;height:28px;flex-shrink:0}
.marker-letter .hero-lever-icon{width:80px;height:80px}
.lever-icon-cluster{display:grid;grid-template-columns:repeat(2,42px);gap:18px}
.lever-icon-cluster .lever-symbol{width:42px;height:42px}
.job-card .number .lever-symbol{width:22px;height:22px;margin-right:7px;vertical-align:middle}
.job-card.cost .lever-symbol{color:#d0bd95}
.planning-jump .lever-symbol{margin-right:8px}
.eyebrow .lever-symbol{margin-right:6px}
.lever-symbol-card{width:38px;height:38px}
.lever-card:hover .lever-symbol{color:#d0bd95}
.framework-rows .lever-icon{display:inline-flex;align-items:center;color:#c7b38a;width:30px;height:34px}
.framework-rows .lever-icon svg{display:block;width:28px;height:28px}
.framework-rows h3{font-size:37px}
.framework-rows strong{font-size:13px;font-weight:500;letter-spacing:.02em}
.framework-rows p{font-size:14px;color:#b8c9cc;margin:4px 0 0}
.row-arrow{font-size:26px;color:#c7b38a}
.framework-note{color:#b1c1c3;font-size:12px;margin-top:30px}
.compass-grid{display:grid;grid-template-columns:1fr 1.08fr;gap:100px;align-items:center}
.compass-art{aspect-ratio:4/5;background:#e8ece5;position:relative;display:flex;align-items:center;justify-content:center;flex-direction:column;overflow:hidden}
.north{position:absolute;top:13%;font-size:13px;color:#7e866e;letter-spacing:.2em}
.dial{width:72%;aspect-ratio:1;border:1px solid #a5b5a9;border-radius:50%;position:relative;background:repeating-conic-gradient(from 0deg,#b1bca9 0deg 1deg,transparent 1deg 10deg)}
.dial:before{content:"";position:absolute;inset:14px;background:#e8ece5;border-radius:50%;border:1px solid #c0c8b9}
.dial-inner{position:absolute;inset:20%;border:1px solid #b1bca9;border-radius:50%}
.needle{position:absolute;top:13%;left:40%;height:74%;width:20%;background:linear-gradient(90deg,#15333e 50%,#a8b8ad 50%);clip-path:polygon(50% 0,100% 50%,50% 100%,0 50%);transform:rotate(28deg)}
.dial-center{position:absolute;left:calc(50% - 5px);top:calc(50% - 5px);width:10px;height:10px;background:#c7b38a;border-radius:50%}
.dial-label{position:absolute;bottom:10%;font:25px Georgia;letter-spacing:.16em}
.dial-label span{display:block;font:8px "Segoe UI",sans-serif;letter-spacing:.18em;margin-top:10px}
.compass-grid .lead{font-size:21px;color:var(--ink)}
.process-list{list-style:none;margin:30px 0;padding:0}
.process-list li{display:flex;gap:25px;border-top:1px solid var(--line);padding:17px 0}
.process-list li>span{font:italic 16px Georgia;color:#8a744a}
.process-list h3{font-family:"Segoe UI",sans-serif;font-size:16px;font-weight:500;letter-spacing:0}
.process-list p{margin:5px 0 0;font-size:14px;color:#5b6b70}
.team-section{background:#f0eee7}
.people-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:24px}
.portrait{aspect-ratio:4/5;overflow:hidden;background:#d8dfd8}
.portrait img{display:block;object-fit:cover;object-position:center top;width:100%;height:100%;filter:saturate(.65)}
.portrait img[src="assets/taylor-willingham.jpg"]{filter:saturate(.55) brightness(.76) contrast(1.06)}
.people-grid h3{font-size:23px;letter-spacing:-.02em;min-height:52px}
.people-grid p{font-size:13px;line-height:1.5;color:#5b6b70}
.people-grid .person-role{font-size:9px;letter-spacing:.12em;text-transform:uppercase;color:#7a6949;margin:23px 0 12px}
.people-grid summary{display:flex;align-items:center;justify-content:space-between;min-height:48px;cursor:pointer;border-top:1px solid #c6cec5;font-size:13px;list-style:none}
.people-grid summary::-webkit-details-marker{display:none}
.people-grid details[open] summary span{transform:rotate(45deg)}
.people-grid summary:hover{color:#846630}
.resources-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:30px}
.resources-grid>a{text-decoration:none}
.resource-cover{height:200px;position:relative;overflow:hidden}
.resource-cover>span{position:absolute;top:20px;left:25px;font:italic 19px Georgia}
.cover-one{background:#dae0d8;color:#18343f}
.cover-two{background:#18343f;color:#cbb891}
.cover-three{background:#ddd2ba;color:#18343f}
.cover-shape{position:absolute;width:200px;height:200px;border:1px solid currentColor;border-radius:50%;right:10%;top:30%;box-shadow:0 0 0 20px #ffffff10,0 0 0 40px #ffffff20,0 0 0 60px #ffffff10}
.cover-one .cover-shape{border-radius:0;transform:rotate(-28deg)}
.cover-three .cover-shape{border-radius:0;transform:rotate(45deg);width:120px;height:120px;box-shadow:25px 25px 0 #18343f22,50px 50px 0 #18343f22}
.resources-grid small{display:block;font-size:10px;letter-spacing:.12em;margin:25px 0 12px;color:#756341}
.resources-grid h3{font-size:29px;line-height:1.2;min-height:80px}
.resources-grid .text-link{margin-top:14px}
.conversation-section{background:#e7ebe2;padding:95px 0}
.conversation-section h2{font-size:clamp(39px,4.6vw,65px);margin:22px 0}
.conversation-section h2 em{color:#536d62}
.conversation-section p{color:#50605b}
.conversation-section .hero-actions{align-items:center;gap:30px}
.conversation-section .contact-note{font-size:12px;margin-top:27px}
.footer{background:#102732;color:#c1cfce;padding-top:70px}
.footer .brand{color:#fff;font-size:31px}
.footer h3{font-family:"Segoe UI",sans-serif;font-weight:500;font-size:14px}
.footer a{color:#d2c29f}
.footer p{font-size:13px}
.footer-main{grid-template-columns:1.3fr 1fr 1fr}
.footer-bottom{display:flex;justify-content:space-between;gap:20px;margin-top:65px;border-top:1px solid #40515a;padding-top:20px;font-size:11px}
.footer-bottom>div{display:flex;gap:25px}
.footer .legal{font-size:11px;color:#aabbbc;border:0;margin-top:20px;padding-top:0}
/* Detailed guides share the same editorial system. */
body:not(.home) .hero .shell{min-height:480px;padding-block:65px;gap:65px;grid-template-columns:1.5fr .5fr}
body:not(.home) .hero h1{font-size:clamp(42px,5vw,66px);font-weight:400;letter-spacing:-.04em}
body:not(.home) .hero h1 em{color:#59756b}
.hero::before{display:none}
.hero-copy{font-size:18px;line-height:1.7}
.hero-marker::before{width:220px;height:220px}
.hero-marker::after{width:165px;height:165px}
.marker-letter{background:transparent;color:#8c774c;font:90px Georgia}
.marker-letter small{font-family:"Segoe UI",sans-serif;font-size:9px}
.intro-strip{background:#15333e}
.intro-strip h2{font-size:40px}
.intro-strip p{font-size:17px}
.section-head h2{font-size:46px}
.lever-card{min-height:340px}
.lever-card h3{font-size:38px;margin-top:20px}
.lever-card:hover .card-letter,.lever-card:hover .tradeoff strong{color:#d0bd95}
.lever-card::after{display:none}
.card-copy{font-size:16px}
.tradeoff{font-size:14px}
.plain-language h2{font-size:43px}
.job-card h3{font-size:29px}
.job-card .number{color:#7b6239}
.job-card.cost .number{color:#d0bd95}
.cta{background:#e7ebe2;color:var(--ink)}
.cta .section-kicker{color:#6e603f}
.cta h2{font-size:48px}
.pager small{color:#d0bd95}
@media(min-width:901px) and (max-width:1100px){.site-nav{gap:15px}.site-nav a{font-size:12px}.brand small{font-size:7px}.hero-editorial{padding-left:40px}.shell{width:calc(100% - 64px)}}
@media(max-width:900px){.shell{width:calc(100% - 48px)}.site-nav{background:var(--paper);border-top:1px solid var(--line)}.nav-row{min-height:87px}.home-hero{grid-template-columns:1.1fr 1fr;min-height:600px}.hero-editorial{padding:50px 24px}.home-hero h1{font-size:49px}.hero-description{font-size:14px}.photo-caption{left:20px;right:20px}.photo-caption>span:first-child{font-size:22px}.intro-editorial,.split-heading{gap:40px}.compass-grid{gap:40px}.people-grid{grid-template-columns:repeat(2,1fr);gap:35px}.section{padding-block:75px}.framework-rows>a{grid-template-columns:35px 1fr 1.25fr 25px}.framework-rows h3{font-size:30px}.service-row>a{padding-right:18px}.service-row>a+a{padding-left:18px}.resources-grid{gap:20px}.resources-grid h3{font-size:25px}.footer-main{grid-template-columns:1fr 1fr 1fr}body:not(.home) .hero .shell{grid-template-columns:1fr}.hero-marker{display:none}}
@media(max-width:650px){.utility .shell>span{display:none}.utility .shell>div{width:100%;gap:10px;font-size:10px}.shell{width:calc(100% - 40px)}.brand{font-size:28px}.brand span{font-size:21px}.home-hero{grid-template-columns:1fr}.hero-editorial{padding:48px 25px}.home-hero h1{font-size:56px}.hero-description{font-size:16px}.hero-photo{height:320px}.hero-photo>img{object-position:center 43%}.home-hero .button{width:auto}.hero-text-link{margin-top:12px}.beliefs .shell{min-height:105px;flex-direction:column;justify-content:center;gap:10px}.beliefs i{display:none}.beliefs span{font-size:9px}.intro-editorial,.split-heading,.compass-grid{grid-template-columns:1fr;gap:22px}.intro-editorial h2,.split-heading h2,.compass-grid h2{font-size:38px}.intro-editorial .lead{font-size:20px}.service-row{grid-template-columns:1fr;margin-top:38px}.service-row>a,.service-row>a+a{border-left:0;padding:24px 0}.service-row h3{margin-top:15px}.framework-section{padding:70px 0 40px}.framework-rows>a{grid-template-columns:30px 1fr 25px;gap:12px;padding:24px 0}.framework-rows>a>div{grid-column:2;grid-row:2}.framework-rows .row-arrow{grid-column:3;grid-row:1}.framework-rows p{font-size:13px}.compass-art{aspect-ratio:1}.north{top:6%}.dial{width:63%}.dial-label{bottom:5%;font-size:19px}.dial-label span{font-size:7px}.people-grid{gap:28px 16px}.people-grid h3{font-size:21px;min-height:70px}.people-grid .person-role{font-size:8px}.people-grid p{font-size:12px}.resources-grid{grid-template-columns:1fr;gap:38px}.resources-grid h3{min-height:0;font-size:28px}.resource-cover{height:215px}.footer-main{grid-template-columns:1fr;gap:30px}.footer-bottom{flex-direction:column;margin-top:35px}.conversation-section{padding:70px 0}.conversation-section h2{font-size:42px}.conversation-section .hero-actions{gap:10px;align-items:flex-start}.conversation-section .button{width:auto}.section-head h2,.plain-language h2{font-size:36px}.intro-strip h2{font-size:34px}.hero-copy{font-size:17px}.hero .shell{width:calc(100% - 40px)}.cta h2{font-size:38px}.lever-card h3{font-size:32px}.footer p{font-size:13px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}

/* Planning approach: the compass and lever sculpture supplies direction and tools. */
#approach{padding-top:0}
#approach .intro-editorial{align-items:center;gap:64px}
#approach .risk-tool-image{align-self:stretch;min-height:460px;padding:36px 36px;background-color:#102732;background-image:linear-gradient(180deg,rgba(9,29,38,.88) 0%,rgba(9,29,38,.76) 50%,rgba(9,29,38,.20) 78%,rgba(9,29,38,.08) 100%),url('assets/hero-options/06-levers-and-compass.png');background-size:cover,115% auto;background-position:center,center 79%;isolation:isolate}
#approach .risk-tool-image .eyebrow{color:#eadfc7;margin-top:0}
#approach .risk-tool-image h2{color:#fff;font-size:clamp(42px,4.2vw,58px);line-height:1.06;margin-bottom:0;text-wrap:balance}
#approach .risk-tool-image h2 em{color:#e0e8de}
@media(max-width:900px){#approach .intro-editorial{gap:32px}#approach .risk-tool-image{padding:30px 24px;min-height:460px;background-size:cover,auto 145%}}
@media(max-width:650px){#approach .risk-tool-image{min-height:420px;padding:30px 26px;background-size:cover,auto 140%;background-position:center,center 80%}#approach .risk-tool-image h2{font-size:42px}#approach .intro-editorial{gap:30px}}

/* Faint financial assessment image; text remains live and fully opaque. */
#approach .service-row>a{padding:27px 24px 24px;background-color:#faf9f5;background-image:linear-gradient(110deg,rgba(250,249,245,.94),rgba(250,249,245,.76) 55%,rgba(250,249,245,.60)),url('assets/diagnose-needs.png');background-size:cover;background-position:center;transition:box-shadow .2s}
#approach .service-row>a:hover{box-shadow:inset 0 0 0 1px #bda77c}
#approach .service-row>a p{color:#42565b}
@media(max-width:650px){#approach .service-row>a{padding:24px;min-height:280px}}

/* Illustrative market decline replaces the compass in this panel only. */
#approach .risk-tool-image{background-color:#faf9f5;background-image:url('assets/market-mountain-pattern.png');background-size:cover;background-position:center}
#approach .risk-tool-image .eyebrow{color:#6e603f}
#approach .risk-tool-image h2{color:#142f3b}
#approach .risk-tool-image h2 em{color:#526b66}
#approach .risk-tool-image.risk-film{position:relative;aspect-ratio:6/5;padding:0;min-height:0;background:#faf9f5}
.risk-film video{display:block;width:100%;height:100%;object-fit:contain}
.risk-film .film-controls{bottom:10px;right:12px}
#approach .risk-film .visually-hidden{margin:0}
@media(max-width:650px){#approach .risk-tool-image.risk-film{aspect-ratio:auto}.risk-film video{height:auto;aspect-ratio:6/5}.risk-film .film-controls{position:static;justify-content:flex-end;padding:0 12px 10px}}

/* Full-bleed planning image, with the copy inset in the right half. */
#approach .intro-editorial{width:100%;grid-template-columns:repeat(2,minmax(0,1fr));gap:0}
#approach .risk-tool-image{min-height:500px;padding:48px max(32px,calc((100% - 620px)/2));padding-left:max(48px,calc(100% - 620px))}
#approach .intro-editorial>div:last-child{padding:48px max(48px,calc(100% - 620px)) 48px 64px;min-width:0}
@media(max-width:1100px){#approach .risk-tool-image{padding:40px 32px}#approach .intro-editorial>div:last-child{padding:40px 32px}}
@media(max-width:800px){#approach .intro-editorial{grid-template-columns:1fr}#approach .risk-tool-image{min-height:420px;padding:36px 24px}#approach .intro-editorial>div:last-child{padding:32px 24px 0}}

#planning-steps .service-icon{display:inline-flex;width:36px;height:36px;align-items:center;justify-content:center;color:#725a31}
#planning-steps .service-icon svg{display:block;width:30px;height:30px;overflow:visible}

/* Guide-aligned planning structure */
.planning-hero{padding:80px 0 65px;background:var(--paper-2)}
.planning-hero{background-image:linear-gradient(90deg,rgba(240,238,231,.97) 0%,rgba(240,238,231,.93) 43%,rgba(240,238,231,.68) 65%,rgba(240,238,231,.56) 100%),url('assets/household-starting-point.png');background-size:cover;background-position:center;background-repeat:no-repeat}
@media(max-width:800px){.planning-hero{background-image:linear-gradient(90deg,rgba(240,238,231,.95),rgba(240,238,231,.86)),url('assets/household-starting-point.png');background-position:75% center}}
.planning-hero h1{font-size:clamp(42px,5.4vw,72px);max-width:1000px;margin:18px 0 28px}
.planning-hero .lead{max-width:760px;font-size:21px}
.planning-hero .fine-print{margin-top:30px}
.planning-jump{border-block:1px solid var(--line);background:var(--paper)}
.planning-jump .shell{display:grid;grid-template-columns:repeat(4,1fr)}
.planning-jump a{padding:20px 12px;min-height:54px;text-decoration:none;font-size:14px}
.planning-jump a:hover{background:var(--paper-2)}
.decision-table table{width:100%;border-collapse:collapse;font-size:16px}
.decision-table caption{display:block;width:100%;text-align:left;margin:0 0 20px;color:var(--muted)}
.decision-table th,.decision-table td{text-align:left;padding:24px 20px;border-bottom:1px solid #c7cfca;vertical-align:top}
.decision-table thead{background:var(--ink);color:#fff}
.decision-table tbody th{width:26%;font-weight:600}
.decision-table td{width:37%}
.planning-principle{border-left:3px solid #9a8155;padding:12px 28px;margin:40px 0}
.planning-principle>span,.role-stages>div>span{font-size:11px;letter-spacing:.12em;font-weight:600}
.planning-principle h3{font-size:29px;margin:12px 0}
.planning-principle p{margin-bottom:0}
.guide-panel{display:flex;gap:40px;align-items:center;justify-content:space-between}
.guide-panel>div{max-width:750px}.guide-panel .button{flex-shrink:0}
.role-stages{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin:30px 0}
.role-stages>div{padding:30px;border:1px solid var(--line);background:var(--paper-2)}
.role-stages h3{font-size:29px;margin:15px 0}
.fine-print{font-size:14px;color:#4d5c60;max-width:850px}
.planning-faq details{border-bottom:1px solid var(--line);padding:15px 0}
.planning-faq summary{cursor:pointer;min-height:44px;font-weight:600;padding:10px 0}
.planning-faq p{font-size:16px}
.framework-disclosure{background:#edf0eb;padding:36px 0}
.framework-disclosure h2{font-family:"Segoe UI",sans-serif;font-size:17px;font-weight:600;letter-spacing:0}
.framework-disclosure p,.framework-disclosure a{font-size:14px;color:#42565b;max-width:1100px}
.framework-disclosure a{display:inline-block;min-height:44px;padding:10px 0}
.framework-rows>a{grid-template-columns:65px 1fr 1.1fr 30px}
.framework-rows h3{font-size:clamp(26px,3vw,40px)}
a:focus-visible,button:focus-visible,summary:focus-visible{outline:3px solid #84652c;outline-offset:5px}
@media(max-width:800px){.planning-hero{padding:50px 0}.planning-jump .shell{grid-template-columns:1fr 1fr}.guide-panel{align-items:flex-start;flex-direction:column}.role-stages{grid-template-columns:1fr}.decision-table th,.decision-table td{padding:18px 10px}.framework-rows>a{grid-template-columns:35px 1fr 1fr 20px}}
@media(max-width:600px){.planning-hero h1{font-size:42px}.planning-hero .lead{font-size:18px}.decision-table thead{display:none}.decision-table table,.decision-table tbody,.decision-table tr,.decision-table th,.decision-table td{display:block;width:100%}.decision-table tr{border:1px solid var(--line);padding:12px;margin-bottom:18px;background:var(--paper)}.decision-table tbody th{width:100%;background:var(--ink);color:white;padding:16px}.decision-table td{border:0;padding:12px}.decision-table td:first-of-type::before{content:"THE PLAN CONSIDERS";display:block;font-size:11px;font-weight:700;letter-spacing:.08em;margin-bottom:6px}.decision-table td:last-of-type::before{content:"YOUR CHOICE";display:block;font-size:11px;font-weight:700;letter-spacing:.08em;margin-bottom:6px}.framework-rows>a{grid-template-columns:30px 1fr 20px}.framework-rows>a>div{grid-column:2}.framework-rows .row-arrow{grid-column:3;grid-row:1}.guide-panel .button{white-space:normal}.role-stages>div{padding:24px}}
#approach .service-row>a.choices-card{background-image:linear-gradient(110deg,rgba(250,249,245,.94),rgba(250,249,245,.76) 55%,rgba(250,249,245,.60)),url('assets/informed-choices.png')}
#approach .service-row>a.connected-card{background-image:linear-gradient(110deg,rgba(250,249,245,.94),rgba(250,249,245,.76) 55%,rgba(250,249,245,.60)),url('assets/connected-plan.png')}