@font-face{font-family:'Playfair Display';font-style:normal;font-weight:400 900;font-display:swap;src:url('assets/fonts/playfair.woff2') format('woff2');unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}
@font-face{font-family:'Playfair Display';font-style:italic;font-weight:400 700;font-display:swap;src:url('assets/fonts/playfair-italic.woff2') format('woff2');unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}
@font-face{font-family:'Lato';font-style:normal;font-weight:400;font-display:swap;src:url('assets/fonts/lato-400.woff2') format('woff2')}
@font-face{font-family:'Lato';font-style:normal;font-weight:700;font-display:swap;src:url('assets/fonts/lato-700.woff2') format('woff2')}
@font-face{font-family:'Lato';font-style:normal;font-weight:900;font-display:swap;src:url('assets/fonts/lato-900.woff2') format('woff2')}
@font-face{font-family:'Lato';font-style:italic;font-weight:400;font-display:swap;src:url('assets/fonts/lato-italic.woff2') format('woff2')}

:root{
  --ink:#071637; --navy:#0a2240; --navy-2:#102544; --navy-3:#17325a;
  /* gold-deep and muted-2 are both nudged darker from the original portfolio samples so
     small text carries them at WCAG AA on white: the eyebrow label was 4.46:1 and the
     fine print / stat captions were 3.10:1. The shift is imperceptible side by side. */
  --gold:#bf9540; --gold-2:#d8bf8b; --gold-deep:#8b6b2a; --gold-soft:rgba(191,149,64,.30);
  --paper:#fff; --paper-2:#f7f8fa; --ivory:#faf8f4;
  --text:#26314a; --muted:#5c6779; --muted-2:#6b7383;
  /* Risk Advisory plan accents. The flyer sets Professional in a mid blue and Enterprise
     in the brand gold; --gold-deep is used for the Enterprise header instead of --gold so
     white type on it clears WCAG AA (4.8:1 rather than 2.4:1). */
  --blue:#14559b;
  --line:rgba(7,22,55,.11); --line-dark:rgba(255,255,255,.14);
  --shadow:0 28px 70px rgba(7,22,55,.13); --shadow-sm:0 10px 30px rgba(7,22,55,.07);
  --display:'Playfair Display',Georgia,'Times New Roman',serif;
  --body:'Lato',-apple-system,BlinkMacSystemFont,'Segoe UI',system-ui,sans-serif;
  --wrap:1220px; --pad:clamp(16px,5vw,64px);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;background:var(--paper);color:var(--text);font-family:var(--body);font-size:17px;line-height:1.72;overflow-x:hidden;-webkit-font-smoothing:antialiased}
body.menu-open{overflow:hidden}
a{color:inherit;text-decoration:none}
/* height:auto so a CSS width never fights the HTML height attribute and stretches the
   image — rules that genuinely need a fixed height set one explicitly below */
img,svg,video,iframe{display:block;max-width:100%}
img{height:auto}
h1,h2,h3,h4,p,li,span,strong,div,article,section{min-width:0}
h1,h2,h3,h4,p{overflow-wrap:break-word}
h1,h2,h3,h4{font-family:var(--display);font-weight:700;color:var(--ink);letter-spacing:-.012em;line-height:1.16;margin:0}
p{margin:0 0 1.05em}
p:last-child{margin-bottom:0}
.ico{width:24px;height:24px}
.wrap{max-width:var(--wrap);margin:0 auto}
.sr{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap;border:0}

/* ------------------------------------------------------------------ header -- */
.hdr{position:sticky;top:0;z-index:60;background:rgba(255,255,255,.97);border-bottom:1px solid var(--line);backdrop-filter:blur(14px);transition:box-shadow .22s ease}
body.scrolled .hdr{box-shadow:0 10px 30px rgba(7,22,55,.08)}
/* the header runs wider than --wrap: six nav items plus a phone number and a
   long CTA label do not fit inside the 1220px content measure */
.hdr-in{max-width:1400px;margin:0 auto;min-height:82px;display:flex;align-items:center;justify-content:space-between;gap:26px;padding:10px clamp(14px,3vw,44px)}
.brand{display:inline-flex;align-items:center;gap:12px;min-width:0;flex:0 0 auto}
.brand-mark{width:auto;height:46px;flex:0 0 auto}
.brand-txt{display:flex;flex-direction:column;line-height:1.1}
.brand-txt b{font-family:var(--display);font-weight:700;font-size:1.06rem;color:var(--ink);white-space:nowrap;letter-spacing:-.005em}
.brand-txt i{font-style:normal;font-size:.62rem;letter-spacing:.2em;text-transform:uppercase;color:var(--gold-deep);font-weight:700;white-space:nowrap}
.nav{display:flex;align-items:center;gap:20px;font-size:.735rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--ink);flex:0 1 auto}
.nav>a,.drop-b{white-space:nowrap}
.nav>a:hover,.drop-b:hover{color:var(--gold-deep)}
.drop{position:relative}
.drop-b{font:inherit;color:inherit;background:0;border:0;padding:0;cursor:pointer;display:inline-flex;align-items:center;gap:7px;text-transform:inherit;letter-spacing:inherit}
.drop-b:after{content:"";width:5px;height:5px;border-right:1.6px solid currentColor;border-bottom:1.6px solid currentColor;transform:rotate(45deg) translateY(-2px)}
.drop-m{position:absolute;top:calc(100% + 20px);left:50%;transform:translateX(-50%) translateY(-8px);min-width:262px;display:grid;padding:10px;background:#fff;border:1px solid var(--line);border-top:2px solid var(--gold);box-shadow:var(--shadow);opacity:0;visibility:hidden;pointer-events:none;transition:.18s ease}
.drop:hover .drop-m,.drop.open .drop-m,.drop:focus-within .drop-m{opacity:1;visibility:visible;pointer-events:auto;transform:translateX(-50%) translateY(0)}
.drop-m a{padding:11px 14px;font-size:.78rem;color:var(--ink);white-space:nowrap;border-bottom:1px solid transparent}
.drop-m a:hover{background:var(--ivory);color:var(--gold-deep)}
.hdr-cta{display:flex;align-items:center;gap:18px;flex:0 0 auto}
.hdr-tel{font-family:var(--display);font-weight:700;font-size:1.02rem;color:var(--ink);white-space:nowrap}
.hdr-tel:hover{color:var(--gold-deep)}
.burger{display:none;width:46px;height:46px;border:1px solid var(--line);background:0;position:relative;cursor:pointer}
.burger span,.burger:before,.burger:after{content:"";position:absolute;left:12px;right:12px;height:1.6px;background:var(--ink)}
.burger span{top:22px}.burger:before{top:15px}.burger:after{top:29px}
.mob{display:none}

/* -------------------------------------------------------------------- btns -- */
/* overflow-wrap:anywhere because a long unbreakable token in a label — an email address,
   a domain — otherwise pushes the button past its grid column and overflows the page */
.btn{display:inline-flex;min-height:54px;align-items:center;justify-content:center;gap:10px;padding:14px 30px;border:1px solid transparent;font-family:var(--body);font-size:.76rem;font-weight:900;letter-spacing:.13em;text-transform:uppercase;cursor:pointer;text-align:center;overflow-wrap:anywhere;transition:background .2s ease,color .2s ease,border-color .2s ease,transform .2s ease}
.btn:hover{transform:translateY(-2px)}
.btn.sm{min-height:46px;padding:10px 22px;font-size:.7rem}
.btn.gold{background:var(--gold);color:#231803;border-color:var(--gold)}
.btn.gold:hover{background:var(--gold-deep);border-color:var(--gold-deep);color:#fff}
.btn.navy{background:var(--ink);color:#fff;border-color:var(--ink)}
.btn.navy:hover{background:var(--navy-3);border-color:var(--navy-3)}
.btn.outline{background:0;color:var(--ink);border-color:rgba(7,22,55,.28)}
.btn.outline:hover{border-color:var(--gold);color:var(--gold-deep)}
.btn.ghost{background:0;color:#fff;border-color:rgba(216,191,139,.5)}
.btn.ghost:hover{background:rgba(216,191,139,.14);border-color:var(--gold-2)}
.btn-row{display:flex;flex-wrap:wrap;gap:14px;margin-top:32px}
.btn-row.mid{justify-content:center}

/* ------------------------------------------------------------------- rules -- */
.rule{display:flex;align-items:center;gap:14px;margin:22px 0}
.rule.mid{justify-content:center}
.rule:before,.rule:after{content:"";height:1px;background:linear-gradient(90deg,transparent,var(--gold-soft),transparent);flex:1;max-width:190px}
.rule i{width:7px;height:7px;background:var(--gold);transform:rotate(45deg);flex:0 0 auto}
.rule.short:before,.rule.short:after{max-width:74px}
.rule.dark:before,.rule.dark:after{background:linear-gradient(90deg,transparent,rgba(216,191,139,.55),transparent)}
.rule.dark i{background:var(--gold-2)}
.eyebrow{display:inline-block;font-size:.7rem;font-weight:900;letter-spacing:.22em;text-transform:uppercase;color:var(--gold-deep);margin-bottom:16px}
/* every dark ground needs the light gold — the default --gold-deep is a white-background
   colour and drops to 3.6:1 on navy. .sub, .ra-band and .coi are all navy plates. */
.dark .eyebrow,.navy-sec .eyebrow,.sub .eyebrow,.hero .eyebrow,.ra-band .eyebrow,.coi .eyebrow,.cta .eyebrow,.tagband .eyebrow{color:var(--gold-2)}
.kicker{font-family:var(--display);font-size:.86rem;font-weight:700;letter-spacing:.19em;text-transform:uppercase;color:var(--ink)}

/* -------------------------------------------------------------------- hero -- */
/* Full-bleed Downtown Tampa skyline video with the headline centered over it — the
   treatment Cottingham & Butler use, which is the register this category reads as
   established. The video is held back to 42% over the navy ink plate and carries a
   vertical scrim top and bottom so white type stays legible over the bright sky. */
.hero{position:relative;isolation:isolate;display:grid;place-items:center;text-align:center;min-height:min(88svh,900px);padding:clamp(64px,10vw,132px) var(--pad);background:var(--ink);color:#fff;overflow:hidden}
.hero video,.hero>img{position:absolute;inset:0;z-index:0;width:100%;height:100%;object-fit:cover;opacity:.42}
.hero:after{content:"";position:absolute;inset:0;z-index:1;pointer-events:none;background:linear-gradient(180deg,rgba(7,22,55,.74) 0%,rgba(7,22,55,.46) 34%,rgba(7,22,55,.54) 64%,rgba(7,22,55,.84) 100%)}
.hero-inner{position:relative;z-index:2;display:flex;flex-direction:column;align-items:center;max-width:980px}
.hero h1{font-size:clamp(2.4rem,5.6vw,4.5rem);line-height:1.06;letter-spacing:-.022em;color:#fff;text-shadow:0 2px 26px rgba(4,12,28,.5)}
.hero-lede{margin-top:24px;font-size:clamp(1.06rem,1.6vw,1.28rem);color:rgba(233,239,250,.92);max-width:62ch;text-shadow:0 1px 16px rgba(4,12,28,.45)}
.hero-pillars{margin-top:28px;display:flex;flex-wrap:wrap;justify-content:center;gap:10px 26px;font-size:.78rem;font-weight:700;letter-spacing:.09em;text-transform:uppercase;color:var(--gold-2)}
.hero-pillars span{display:inline-flex;align-items:center;gap:10px}
.hero-pillars span:before{content:"";width:5px;height:5px;background:var(--gold);transform:rotate(45deg)}
.hero .rule{justify-content:center}
/* the default hairline all but disappears over the bright buildings in the footage */
.hero .rule:before,.hero .rule:after{max-width:112px;background:linear-gradient(90deg,transparent,rgba(216,191,139,.85),transparent)}
.hero .btn-row{justify-content:center}
/* tagline: the brand's signature line, given real prominence */
.hero-sig{display:flex;align-items:center;justify-content:center;gap:16px;margin-top:28px;font-family:var(--display);font-style:italic;font-size:clamp(1.1rem,1.9vw,1.45rem);color:var(--gold-2)}
.hero-sig:before,.hero-sig:after{content:"";width:clamp(20px,4vw,44px);height:1px;background:var(--gold-2);opacity:.7;flex:0 0 auto}
.tagband{background:var(--ink);color:#fff;padding:clamp(52px,7vw,96px) var(--pad);text-align:center;position:relative;overflow:hidden}
.tagband:before,.tagband:after{content:"";position:absolute;left:0;right:0;height:1px;background:linear-gradient(90deg,transparent,var(--gold),transparent)}
.tagband:before{top:0}.tagband:after{bottom:0}
.tagband-in{max-width:900px;margin:0 auto;position:relative;z-index:1}
.tagband img{width:52px;height:auto;margin:0 auto 26px;opacity:.95}
.tagband blockquote{margin:0;font-family:var(--display);font-style:italic;font-weight:400;font-size:clamp(2rem,5vw,3.5rem);line-height:1.18;color:var(--gold-2);letter-spacing:-.01em}
.tagband p{margin:22px 0 0;font-size:clamp(1rem,1.4vw,1.14rem);color:rgba(226,233,246,.78)}
.tagband .rule{justify-content:center;margin:24px 0 0}
.cta-tag{margin-top:26px;font-family:var(--display);font-style:italic;font-size:clamp(1.05rem,1.6vw,1.28rem);color:var(--gold-2)}
.hero-stats{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));border-top:1px solid var(--line);max-width:var(--wrap);margin:0 auto}
.hero-stats div{padding:26px var(--pad);border-right:1px solid var(--line)}
.hero-stats div:last-child{border-right:0}
.hero-stats b{display:block;font-family:var(--display);font-size:1.6rem;color:var(--ink);line-height:1}
.hero-stats span{display:block;margin-top:7px;font-size:.76rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--muted-2)}

/* ---------------------------------------------------------------- sections -- */
.sec{padding:clamp(62px,8vw,120px) var(--pad)}
.sec-in{max-width:var(--wrap);margin:0 auto}
.sec.tint{background:var(--paper-2)}
.sec.ivory{background:var(--ivory)}
.sec.navy-sec{background:var(--ink);color:#fff}
.sec.navy-sec h2,.sec.navy-sec h3,.sec.navy-sec h4{color:#fff}
.sec.navy-sec p{color:rgba(226,233,246,.8)}
.sec.tight{padding-top:clamp(40px,5vw,66px)}
.head{max-width:800px;margin-bottom:clamp(34px,4vw,54px)}
.head.mid{margin-left:auto;margin-right:auto;text-align:center}
.head h2{font-size:clamp(1.95rem,3.5vw,3rem)}
.head p{margin-top:18px;font-size:1.05rem;color:var(--muted)}
.navy-sec .head p{color:rgba(226,233,246,.8)}
.head.mid .rule{justify-content:center}

/* pill label, e.g. (1) INDUSTRIES SERVED */
.pill-lbl{display:inline-flex;align-items:center;gap:14px;background:var(--ink);color:#fff;padding:11px 26px 11px 12px;margin-bottom:28px}
.pill-lbl b{display:inline-flex;align-items:center;justify-content:center;width:32px;height:32px;border-radius:50%;border:1px solid var(--gold);color:var(--gold-2);font-family:var(--display);font-size:.95rem;flex:0 0 auto}
.pill-lbl span{font-family:var(--display);font-size:.88rem;font-weight:700;letter-spacing:.17em;text-transform:uppercase;color:#fff}

/* ------------------------------------------------------------------- cards -- */
.grid{display:grid;gap:20px}
.g2{grid-template-columns:repeat(2,minmax(0,1fr))}
.g3{grid-template-columns:repeat(3,minmax(0,1fr))}
.g4{grid-template-columns:repeat(4,minmax(0,1fr))}
.card{background:#fff;border:1px solid var(--gold-soft);padding:clamp(26px,2.6vw,34px);display:flex;flex-direction:column;transition:box-shadow .22s ease,transform .22s ease,border-color .22s ease}
.card.mid{text-align:center;align-items:center}
a.card:hover{transform:translateY(-3px);box-shadow:var(--shadow);border-color:var(--gold)}
.badge{display:inline-flex;align-items:center;justify-content:center;width:62px;height:62px;border-radius:50%;background:var(--ink);border:1px solid var(--gold);color:var(--gold-2);margin-bottom:20px;flex:0 0 auto}
.badge .ico{width:27px;height:27px}
.badge.sm{width:48px;height:48px}
.badge.sm .ico{width:21px;height:21px}
.card h3{font-size:1.2rem;line-height:1.28}
.card .rule{margin:14px 0}
.card.mid .rule{justify-content:center}
.card p{margin-top:0;color:var(--muted);font-size:.97rem}
.card .more{margin-top:auto;padding-top:18px;font-size:.72rem;font-weight:900;letter-spacing:.15em;text-transform:uppercase;color:var(--gold-deep);display:inline-flex;align-items:center;gap:9px}
.card .more .ico{width:17px;height:17px}
.navy-sec .card{background:rgba(255,255,255,.045);border-color:rgba(216,191,139,.3)}
.navy-sec .card p{color:rgba(226,233,246,.78)}
.navy-sec .badge{background:rgba(216,191,139,.12)}

/* two-column list rows (advisory services) */
.rows{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));border:1px solid var(--gold-soft);background:#fff}
.row{display:grid;grid-template-columns:auto minmax(0,1fr);gap:18px;padding:24px 26px;border-bottom:1px solid var(--line);border-right:1px solid var(--line);align-items:start}
.rows .row:nth-child(2n){border-right:0}
.row h3{font-size:1.03rem;line-height:1.32;margin-bottom:7px}
.row p{margin:0;font-size:.93rem;color:var(--muted)}
.row .badge{margin:0;width:46px;height:46px}
.row .badge .ico{width:20px;height:20px}

/* checklist */
.checks{list-style:none;margin:0;padding:0;display:grid;gap:12px}
.checks.two{grid-template-columns:repeat(2,minmax(0,1fr))}
.checks li{position:relative;padding-left:34px;font-size:.98rem}
.checks li:before{content:"";position:absolute;left:2px;top:.55em;width:12px;height:7px;border-left:1.8px solid var(--gold);border-bottom:1.8px solid var(--gold);transform:rotate(-45deg)}
.navy-sec .checks li{color:rgba(226,233,246,.86)}

/* bordered item list (industry sub-lists) */
.taglist{display:flex;flex-wrap:wrap;gap:9px;margin:0;padding:0;list-style:none}
.taglist li,.tag{display:inline-flex;padding:9px 16px;border:1px solid var(--gold-soft);background:#fff;font-size:.87rem;color:var(--ink);font-weight:700}
a.tag:hover{border-color:var(--gold);color:var(--gold-deep)}
.navy-sec .taglist li,.navy-sec .tag{background:rgba(255,255,255,.05);border-color:rgba(216,191,139,.3);color:#eaf0fa}
.navy-sec a.tag:hover{background:rgba(216,191,139,.16);border-color:var(--gold-2);color:#fff}

/* ------------------------------------------------------------------- quote -- */
.quote{position:relative;background:var(--ink);color:#fff;padding:clamp(38px,5vw,64px) clamp(40px,6vw,86px);border:1px solid var(--gold-soft);outline:1px solid rgba(191,149,64,.22);outline-offset:7px;max-width:960px;margin:0 auto;text-align:center}
.quote p{font-family:var(--display);font-size:clamp(1.3rem,2.5vw,2.05rem);line-height:1.36;color:var(--gold-2);margin:0}
.quote.plain p{color:#fff;font-size:clamp(1.1rem,1.9vw,1.5rem)}
.quote:before,.quote:after{position:absolute;font-family:var(--display);font-size:clamp(3.2rem,6vw,5.4rem);line-height:1;color:rgba(216,191,139,.5)}
.quote:before{content:"\201C";left:clamp(12px,2vw,26px);top:clamp(4px,1.4vw,14px)}
.quote:after{content:"\201D";right:clamp(12px,2vw,26px);bottom:clamp(-14px,-1vw,0px)}
.quote cite{display:block;margin-top:20px;font-family:var(--body);font-style:normal;font-size:.71rem;font-weight:900;letter-spacing:.2em;text-transform:uppercase;color:rgba(226,233,246,.66)}

/* ------------------------------------------------------------------ process -- */
.steps{display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:0;counter-reset:s}
.step{position:relative;padding:0 18px;text-align:center}
.step:not(:last-child):after{content:"";position:absolute;top:31px;right:-13px;width:26px;height:1px;background:var(--gold-soft)}
.step-n{display:inline-flex;align-items:center;justify-content:center;width:62px;height:62px;border-radius:50%;background:var(--ink);border:1px solid var(--gold);color:var(--gold-2);font-family:var(--display);font-size:1.3rem;margin-bottom:18px}
.step h3{font-size:1.02rem;line-height:1.32;margin-bottom:9px}
.step p{font-size:.9rem;color:var(--muted);margin:0}
.steps.stack{grid-template-columns:1fr;gap:0}
.steps.stack .step{display:grid;grid-template-columns:auto minmax(0,1fr);gap:24px;text-align:left;padding:26px 0;border-bottom:1px solid var(--line)}
.steps.stack .step:last-child{border-bottom:0}
.steps.stack .step:after{display:none}
.steps.stack .step-n{margin:0}
.steps.stack h3{font-size:1.24rem}

/* ------------------------------------------------------------------- values -- */
.vals{display:grid;grid-template-columns:repeat(6,minmax(0,1fr));gap:0;border-top:1px solid var(--gold-soft);border-bottom:1px solid var(--gold-soft)}
.val{padding:34px 14px;text-align:center;border-right:1px solid var(--line)}
.val:last-child{border-right:0}
.val .badge{margin:0 auto 16px}
.val b{font-family:var(--display);font-size:1rem;font-weight:700;color:var(--ink);line-height:1.28;display:block}
.navy-sec .val b{color:#fff}
.navy-sec .val{border-right-color:rgba(255,255,255,.1)}
.navy-sec .vals{border-color:rgba(216,191,139,.3)}

/* --------------------------------------------------------------------- team -- */
.team{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:clamp(22px,3vw,40px)}
.member{background:#fff;border:1px solid var(--gold-soft)}
.member-img{position:relative;aspect-ratio:4/5;overflow:hidden;background:var(--navy-2)}
.member-img img{width:100%;height:100%;object-fit:cover}
.member-body{padding:clamp(24px,2.6vw,34px)}
.member-body h3{font-size:1.5rem}
.member-role{margin-top:8px;font-size:.72rem;font-weight:900;letter-spacing:.17em;text-transform:uppercase;color:var(--gold-deep)}
.member-title{margin-top:6px;font-family:var(--display);font-style:italic;font-size:1.02rem;color:var(--muted)}
.member-body p{margin-top:16px;font-size:.96rem;color:var(--muted)}
.member-links{display:flex;flex-wrap:wrap;gap:16px;margin-top:20px;font-size:.8rem;font-weight:700}
.member-links a{color:var(--gold-deep);display:inline-flex;align-items:center;gap:8px}
.member-links a:hover{color:var(--ink)}
.member-links .ico{width:17px;height:17px}
.pending{margin-top:16px;padding:18px 20px;background:var(--ivory);border-left:3px solid var(--gold)}
.pending b{display:block;font-family:var(--display);font-size:1rem;color:var(--ink);margin-bottom:5px}
.pending span{font-size:.9rem;color:var(--muted)}

/* ------------------------------------------------------------------ feature -- */
.split{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:clamp(32px,5vw,74px);align-items:center}
.split.narrow-l{grid-template-columns:minmax(0,.85fr) minmax(0,1.15fr)}
.figure{position:relative;background:var(--navy-2)}
.figure img{width:100%;height:100%;object-fit:cover;aspect-ratio:4/5}
.figure.wide img{aspect-ratio:4/3}
.figure:before{content:"";position:absolute;inset:0;border:1px solid var(--gold);transform:translate(16px,16px);pointer-events:none;z-index:-1}
.figure-wrap{position:relative;z-index:1}

/* --------------------------------------------------------------------- faq --- */
.faq{display:grid;gap:0;max-width:940px;margin:0 auto;border-top:1px solid var(--line)}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{cursor:pointer;list-style:none;padding:24px 44px 24px 0;position:relative;font-family:var(--display);font-size:1.1rem;font-weight:700;color:var(--ink)}
.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:"";position:absolute;right:8px;top:31px;width:9px;height:9px;border-right:1.6px solid var(--gold);border-bottom:1.6px solid var(--gold);transform:rotate(45deg);transition:transform .2s ease}
.faq details[open] summary:after{transform:rotate(-135deg)}
.faq p{padding:0 0 24px;color:var(--muted);margin:0;max-width:74ch}

/* ---------------------------------------------------------------- cta band --- */
.cta{background:var(--ink);color:#fff;padding:clamp(52px,7vw,96px) var(--pad);position:relative;overflow:hidden}
.cta:before{content:"";position:absolute;top:0;left:0;right:0;height:2px;background:linear-gradient(90deg,transparent,var(--gold),transparent)}
.cta-in{max-width:920px;margin:0 auto;text-align:center;position:relative;z-index:1}
.cta h2{color:#fff;font-size:clamp(1.95rem,3.5vw,2.95rem)}
.cta p{margin-top:18px;color:rgba(226,233,246,.82);font-size:1.05rem}
.cta-mark{width:58px;height:auto;margin:0 auto 22px;opacity:.95}
.creed{background:var(--navy-2);color:#fff;padding:20px var(--pad);display:flex;justify-content:center;flex-wrap:wrap;gap:10px 30px;font-family:var(--display);font-size:.86rem;letter-spacing:.17em;text-transform:uppercase;border-top:1px solid rgba(216,191,139,.24)}
.creed span{display:inline-flex;align-items:center;gap:16px;color:rgba(255,255,255,.9)}
.creed span+span:before{content:"";width:5px;height:5px;background:var(--gold);transform:rotate(45deg)}

/* ------------------------------------------------------------------ subhero -- */
.sub{background:var(--ink);color:#fff;padding:clamp(64px,8vw,116px) var(--pad) clamp(52px,6vw,84px);position:relative;overflow:hidden}
.sub:after{content:"";position:absolute;right:-8%;top:-30%;width:52%;height:170%;background:radial-gradient(ellipse at center,rgba(191,149,64,.15),transparent 62%);pointer-events:none}
.sub-in{max-width:var(--wrap);margin:0 auto;position:relative;z-index:1}
.sub h1{color:#fff;font-size:clamp(2.15rem,4.2vw,3.4rem);max-width:24ch}
.sub p{margin-top:20px;color:rgba(226,233,246,.84);font-size:clamp(1.02rem,1.5vw,1.16rem);max-width:70ch}
.crumb{display:flex;flex-wrap:wrap;gap:10px;align-items:center;font-size:.71rem;font-weight:900;letter-spacing:.16em;text-transform:uppercase;color:var(--gold-2);margin-bottom:18px}
.crumb a{color:rgba(226,233,246,.7)}
.crumb a:hover{color:#fff}
.crumb i{font-style:normal;opacity:.5}

/* ----------------------------------------------------------------- contact --- */
.contact{display:grid;grid-template-columns:minmax(0,1fr) minmax(320px,.88fr);gap:clamp(30px,5vw,64px);align-items:start}
.cinfo{list-style:none;margin:30px 0 0;padding:0;display:grid;gap:0;border-top:1px solid rgba(216,191,139,.28)}
.cinfo li{display:grid;grid-template-columns:auto minmax(0,1fr);gap:18px;align-items:center;padding:18px 0;border-bottom:1px solid rgba(255,255,255,.11)}
.cinfo .badge{margin:0;width:44px;height:44px}
.cinfo .badge .ico{width:19px;height:19px}
.cinfo b{display:block;font-size:.68rem;font-weight:900;letter-spacing:.18em;text-transform:uppercase;color:var(--gold-2);margin-bottom:3px}
.cinfo a,.cinfo span.v{font-size:1.04rem;color:#fff;font-weight:700;overflow-wrap:anywhere}
.cinfo a:hover{color:var(--gold-2)}
.panel{background:#fff;border:1px solid var(--gold-soft);border-top:3px solid var(--gold);padding:clamp(26px,3.4vw,40px);box-shadow:var(--shadow)}
.panel h2{font-size:clamp(1.5rem,2.6vw,2.05rem);color:var(--ink)}
.panel .lede{margin-top:12px;color:var(--muted);font-size:.99rem}
/* Solid border, not dashed: with no GHL embed configured this box IS the live contact
   surface, and a dashed edge reads as an unfinished placeholder to a real visitor. */
.formbox{margin:24px 0 0;padding:clamp(24px,3vw,34px);background:var(--ivory);border:1px solid var(--gold-soft);border-top:2px solid var(--gold);text-align:center}
.formbox .tag-lbl{display:inline-block;background:var(--ink);color:var(--gold-2);padding:6px 15px;font-size:.65rem;font-weight:900;letter-spacing:.18em;text-transform:uppercase;margin-bottom:14px}
.formbox h3{font-size:1.14rem;margin-bottom:8px}
.formbox p{font-size:.93rem;color:var(--muted)}
.formbox .btn-row{display:grid;grid-template-columns:1fr;gap:10px;margin-top:20px}
.formembed{margin:24px 0 0}
.formembed iframe{width:100%;border:0;display:block}
.fine{margin-top:20px;font-size:.79rem;line-height:1.6;color:var(--muted-2)}
/* On /contact the panel sits INSIDE the navy .sub, and ".sub p" (0,1,1) outranks a bare
   ".fine" (0,1,0) — which rendered the SMS consent fine print near-white on white. Scope
   the override so it wins on specificity rather than on source order.
   NB: no backticks in this file. It is one big JS template literal. */
.panel .fine{color:var(--muted-2)}
.fine a{color:var(--gold-deep);text-decoration:underline}
.hours{list-style:none;margin:18px 0 0;padding:0}
.hours li{display:flex;justify-content:space-between;gap:18px;padding:13px 0;border-bottom:1px solid var(--line);font-size:.97rem}
.hours li:last-child{border-bottom:0}
.hours li span:first-child{color:var(--muted)}
.hours li span:last-child{font-weight:700;color:var(--ink)}
.hours .shut{color:var(--gold-deep)}
.map{border:1px solid var(--gold-soft);min-height:400px;background:var(--paper-2)}
.map iframe{width:100%;height:100%;min-height:400px;border:0}
.note{margin:22px 0;padding:18px 22px;background:var(--ivory);border-left:3px solid var(--gold);font-size:.96rem}
.note b{color:var(--ink)}

/* --------------------------------------------------------------- resources --- */
.prose{max-width:74ch;margin:0 auto}
.prose h2{font-size:clamp(1.4rem,2.5vw,1.85rem);margin:44px 0 14px}
.prose h2:first-child{margin-top:0}
.prose p{color:var(--text);font-size:1.04rem;line-height:1.8}
.prose ul{padding-left:24px;margin:0 0 16px}
.prose li{margin-bottom:8px;color:var(--text)}
.prose a{color:var(--gold-deep);text-decoration:underline}
.meta{display:flex;flex-wrap:wrap;gap:10px 20px;font-size:.72rem;font-weight:900;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-2)}
.takeaway{margin-top:44px;padding:clamp(26px,3vw,36px);background:var(--ink);color:#fff;border-left:3px solid var(--gold)}
.takeaway b{display:block;font-size:.68rem;font-weight:900;letter-spacing:.2em;text-transform:uppercase;color:var(--gold-2);margin-bottom:10px}
.takeaway p{font-family:var(--display);font-size:clamp(1.1rem,1.8vw,1.4rem);color:#fff;margin:0;line-height:1.42}
.disclaimer{max-width:74ch;margin:36px auto 0;padding-top:22px;border-top:1px solid var(--line);font-size:.85rem;color:var(--muted-2)}

/* ------------------------------------------------------------------ footer --- */
.ftr{background:var(--ink);color:#fff;padding:clamp(56px,7vw,86px) var(--pad) 30px}
.ftr-in{max-width:var(--wrap);margin:0 auto;display:grid;grid-template-columns:minmax(0,1.15fr) minmax(0,1.85fr);gap:clamp(32px,5vw,72px)}
.ftr-brand{display:flex;align-items:center;gap:14px;margin-bottom:22px}
.ftr-brand img{height:54px;width:auto}
.ftr-brand b{font-family:var(--display);font-size:1.2rem;color:#fff;display:block;line-height:1.16}
.ftr-brand i{font-style:normal;display:block;font-size:.62rem;letter-spacing:.2em;text-transform:uppercase;color:var(--gold-2);margin-top:4px}
.ftr p{color:rgba(206,218,238,.68);font-size:.94rem;max-width:44ch}
.ftr-tag{margin-top:20px;padding-top:18px;border-top:1px solid rgba(216,191,139,.28);font-family:var(--display);font-style:italic;color:var(--gold-2)!important;font-size:1.24rem;line-height:1.3}
.ftr-soc{display:flex;gap:12px;margin-top:24px}
.ftr-soc a{display:inline-flex;align-items:center;justify-content:center;width:42px;height:42px;border:1px solid rgba(216,191,139,.34);color:var(--gold-2);transition:.18s}
.ftr-soc a:hover{background:rgba(216,191,139,.14);border-color:var(--gold-2);color:#fff}
.ftr-soc .ico{width:19px;height:19px}
.ftr-cols{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:28px}
.ftr-cols>div{display:grid;gap:11px;align-content:start;min-width:0}
.ftr-h{font-family:var(--display);font-size:.78rem;font-weight:700;letter-spacing:.19em;text-transform:uppercase;color:var(--gold-2);margin-bottom:5px}
.ftr-cols a{color:rgba(206,218,238,.8);font-size:.92rem;overflow-wrap:anywhere}
.ftr-cols a:hover{color:var(--gold-2)}
.ftr-legal{max-width:var(--wrap);margin:clamp(34px,4vw,54px) auto 0;padding-top:24px;border-top:1px solid rgba(255,255,255,.11);font-size:.79rem;color:rgba(206,218,238,.5)}
.ftr-legal p{max-width:none;color:inherit;font-size:inherit}
.sticky{display:none}

/* ---------------------------------------------- Florida Premier Risk Advisory -- */
/* The client's signature named program. Everything here descends from the concept
   flyer: navy plate, gold rules, four pillar cards with bullet lists, three plan
   cards headed navy / blue / gold, a five-step chevron row, and the COI upload band. */

/* the trademark mark, kept small and raised rather than inheriting <sup> defaults */
.tm{font-size:.42em;vertical-align:super;line-height:0;letter-spacing:.02em;font-weight:400}

/* program name lockup, used on the RA page hero and the homepage band */
.ra-name{font-family:var(--display);font-weight:700;line-height:1.04;letter-spacing:-.018em}
.ra-name .l1{display:block;color:#fff}
.ra-name .l2{display:block;color:var(--gold-2)}
.ra-sub{margin-top:14px;font-family:var(--display);font-style:italic;color:#fff;font-size:clamp(1.15rem,2.3vw,1.75rem)}

/* subhero variant for the program page — larger, centered, no crumb indent */
.sub.grand{text-align:center;padding-bottom:clamp(58px,7vw,92px)}
.sub.grand .sub-in{max-width:920px}
.sub.grand .crumb{justify-content:center}
.sub.grand .ra-name{font-size:clamp(2.1rem,5.4vw,4.1rem)}
.sub.grand .rule{justify-content:center}
.sub.grand p{margin-left:auto;margin-right:auto;max-width:66ch}
.sub.grand .btn-row{justify-content:center}

/* homepage feature band */
.ra-band{background:var(--navy-2);color:#fff;padding:clamp(56px,7.5vw,104px) var(--pad);position:relative;overflow:hidden;text-align:center}
.ra-band:before,.ra-band:after{content:"";position:absolute;left:0;right:0;height:2px;background:linear-gradient(90deg,transparent,var(--gold),transparent)}
.ra-band:before{top:0}.ra-band:after{bottom:0}
.ra-band-in{max-width:1000px;margin:0 auto;position:relative;z-index:1;display:flex;flex-direction:column;align-items:center}
.ra-band .ra-name{font-size:clamp(1.9rem,4.4vw,3.3rem)}
.ra-band>.ra-band-in>p{margin-top:20px;color:rgba(226,233,246,.84);font-size:1.05rem;max-width:64ch}
.ra-chips{display:flex;flex-wrap:wrap;justify-content:center;gap:10px;margin-top:30px}
.ra-chips span{display:inline-flex;align-items:center;gap:10px;padding:10px 18px;border:1px solid rgba(216,191,139,.34);background:rgba(255,255,255,.045);font-size:.82rem;font-weight:700;color:#eaf0fa}
.ra-chips .ico{width:18px;height:18px;color:var(--gold-2);flex:0 0 auto}

/* four pillars */
.pillars{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:20px}
.pillar{background:#fff;border:1px solid var(--gold-soft);border-top:3px solid var(--gold);padding:clamp(24px,2.4vw,32px);display:flex;flex-direction:column;text-align:center;align-items:center}
.pillar .badge{margin-bottom:18px}
.pillar h3{font-size:1.08rem;line-height:1.3}
.pillar .rule{margin:13px 0 16px}
.pillar ul{list-style:none;margin:0;padding:0;display:grid;gap:9px;text-align:left;width:100%}
.pillar li{position:relative;padding-left:20px;font-size:.92rem;color:var(--muted);line-height:1.5}
.pillar li:before{content:"";position:absolute;left:0;top:.62em;width:5px;height:5px;background:var(--gold);transform:rotate(45deg)}
.pillar .pillar-note{margin:16px 0 0;padding-top:14px;border-top:1px solid var(--line);font-family:var(--display);font-style:italic;font-size:.88rem;color:var(--muted);text-align:left;width:100%}

/* advisory plans */
/* stretch, not start: the three plans carry different numbers of inclusions, and with
   .plan-price pinned by margin-top:auto the investment figure and the button then line
   up across all three cards instead of stepping down */
.plans{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px;align-items:stretch}
.plan{background:#fff;border:1px solid var(--gold-soft);display:flex;flex-direction:column;box-shadow:var(--shadow-sm)}
.plan-h{display:flex;align-items:center;justify-content:center;gap:14px;padding:20px 24px;color:#fff}
.plan.navy .plan-h{background:var(--ink)}
.plan.blue .plan-h{background:var(--blue)}
.plan.gold .plan-h{background:var(--gold-deep)}
.plan-h .ico{width:24px;height:24px;flex:0 0 auto}
.plan-h b{font-family:var(--body);font-size:.95rem;font-weight:900;letter-spacing:.17em;text-transform:uppercase}
.plan-b{padding:clamp(24px,2.6vw,32px);display:flex;flex-direction:column;flex:1}
.plan-fit{margin:0 0 20px;text-align:center;font-weight:700;font-size:.98rem;line-height:1.45}
.plan.navy .plan-fit{color:var(--ink)}
.plan.blue .plan-fit{color:var(--blue)}
.plan.gold .plan-fit{color:var(--gold-deep)}
.plan ul{list-style:none;margin:0;padding:0;display:grid;gap:12px}
.plan li{position:relative;padding-left:30px;font-size:.95rem;color:var(--text);line-height:1.5}
.plan li:before{content:"";position:absolute;left:0;top:.14em;width:19px;height:19px;border-radius:50%;border:1.4px solid var(--gold)}
.plan li:after{content:"";position:absolute;left:5.6px;top:.52em;width:8px;height:4.5px;border-left:1.6px solid var(--gold-deep);border-bottom:1.6px solid var(--gold-deep);transform:rotate(-45deg)}
.plan-price{margin-top:auto;padding-top:22px;text-align:center}
.plan-price:before{content:"";display:block;height:1px;background:linear-gradient(90deg,transparent,var(--gold-soft),transparent);margin-bottom:18px}
.plan-price span{display:block;font-size:.66rem;font-weight:900;letter-spacing:.2em;text-transform:uppercase;color:var(--muted-2)}
.plan-price b{display:block;margin-top:7px;font-family:var(--display);font-size:clamp(1.3rem,2.2vw,1.62rem);color:var(--ink);line-height:1.2}
.plan .btn{margin-top:20px;width:100%}
/* payment slot — only rendered once Authorize.net Subscribe buttons are configured */
.payslot{margin-top:18px;padding-top:18px;border-top:1px solid var(--line)}
.payslot form{margin:0}

/* COI / document upload band */
.coi{background:var(--ink);color:#fff;padding:clamp(48px,6.5vw,86px) var(--pad);position:relative;overflow:hidden}
.coi:before{content:"";position:absolute;top:0;left:0;right:0;height:2px;background:linear-gradient(90deg,transparent,var(--gold),transparent)}
.coi-in{max-width:var(--wrap);margin:0 auto;display:grid;grid-template-columns:auto minmax(0,1.5fr) minmax(0,1fr);gap:clamp(26px,4vw,52px);align-items:center}
.coi-mark{width:74px;height:74px;color:var(--gold-2);flex:0 0 auto}
.coi h2{color:#fff;font-size:clamp(1.55rem,2.9vw,2.3rem)}
.coi p{margin-top:14px;color:rgba(226,233,246,.82);font-size:1.02rem}
.coi .btn{margin-top:24px}
.coi-badges{list-style:none;margin:0;padding:0;display:grid;gap:14px}
.coi-badges li{display:flex;align-items:center;gap:13px;font-size:.96rem;color:#eaf0fa;font-weight:700}
.coi-badges .ico{width:21px;height:21px;color:var(--gold-2);flex:0 0 auto}

/* anchor targets have to clear the sticky header */
[id]{scroll-margin-top:104px}

/* strapline bar */
.strap{background:var(--navy-2);color:#fff;padding:22px var(--pad);text-align:center;font-family:var(--display);font-size:clamp(.95rem,1.6vw,1.16rem);letter-spacing:.02em;border-top:1px solid rgba(216,191,139,.24)}
.strap b{color:var(--gold-2);font-weight:400}

/* ---------------------------------------------------------------- reveals ---- */
.rv{opacity:1;transform:none}
html.js .rv{opacity:0;transform:translateY(20px);transition:opacity .7s ease,transform .7s ease}
html.js .rv.in{opacity:1;transform:none}

/* ------------------------------------------------------------- responsive --- */
@media (max-width:1180px){
  .g4,.rows,.pillars{grid-template-columns:repeat(2,minmax(0,1fr))}
  /* the upload mark and the badge column both drop below the copy rather than squeezing */
  .coi-in{grid-template-columns:1fr;text-align:center;justify-items:center}
  .coi p{max-width:60ch}
  .coi .btn-row{justify-content:center}
  .coi-badges{grid-template-columns:repeat(2,minmax(0,1fr));gap:14px 28px;width:100%;max-width:620px}
  .vals{grid-template-columns:repeat(3,minmax(0,1fr))}
  .val:nth-child(3n){border-right:0}
  .steps{grid-template-columns:repeat(3,minmax(0,1fr));gap:34px 0}
  .step:not(:last-child):after{display:none}
}
/* buy nav room before collapsing: drop the phone, then the whole desktop nav */
@media (max-width:1320px){ .hdr-tel{display:none} }
@media (max-width:1180px){
  .nav,.hdr-cta{display:none}
  .burger{display:block}
  .mob{position:fixed;inset:86px 14px auto;z-index:59;display:grid;gap:2px;padding:12px;background:#fff;border:1px solid var(--line);border-top:2px solid var(--gold);box-shadow:var(--shadow);opacity:0;visibility:hidden;pointer-events:none;transform:translateY(-10px);transition:.2s;max-height:calc(100svh - 106px);overflow-y:auto}
  body.menu-open .mob{opacity:1;visibility:visible;pointer-events:auto;transform:none}
  .mob a{padding:13px 14px;font-family:var(--display);font-weight:700;font-size:.98rem;color:var(--ink);border-bottom:1px solid var(--line)}
  .mob a:last-child{border-bottom:0}
  .mob a:hover{background:var(--ivory);color:var(--gold-deep)}
  .mob .mob-h{font-family:var(--body);font-size:.64rem;font-weight:900;letter-spacing:.2em;text-transform:uppercase;color:var(--gold-deep);padding:14px 14px 6px;border:0}
  .hero{min-height:min(78svh,720px)}
  .split,.split.narrow-l,.contact,.team,.ftr-in{grid-template-columns:1fr}
  .figure:before{display:none}
  .ftr-cols{grid-template-columns:repeat(3,minmax(0,1fr))}
}
/* three plan cards stop being readable well before the generic 760px breakpoint */
@media (max-width:1000px){
  .plans{grid-template-columns:1fr;max-width:520px;margin-left:auto;margin-right:auto}
}
@media (max-width:760px){
  body{font-size:16px}
  .pillars{grid-template-columns:1fr}
  .coi-badges{grid-template-columns:1fr}
  .coi-mark{width:58px;height:58px}
  .hdr-in{min-height:68px;padding:8px 14px}
  .brand-mark{height:38px}
  .brand-txt b{font-size:.93rem}
  .brand-txt i{font-size:.55rem;letter-spacing:.16em}
  .g2,.g3,.g4,.rows,.checks.two{grid-template-columns:1fr}
  .row{border-right:0!important}
  .vals{grid-template-columns:repeat(2,minmax(0,1fr))}
  .val:nth-child(3n){border-right:1px solid var(--line)}
  .val:nth-child(2n){border-right:0}
  .steps{grid-template-columns:1fr;gap:0}
  .steps .step{display:grid;grid-template-columns:auto minmax(0,1fr);gap:20px;text-align:left;padding:22px 0;border-bottom:1px solid var(--line)}
  .steps .step:last-child{border-bottom:0}
  .steps .step-n{margin:0;width:52px;height:52px;font-size:1.1rem}
  .hero-stats{grid-template-columns:1fr}
  .hero-stats div{border-right:0;border-bottom:1px solid var(--line);padding:20px 14px}
  .btn-row{display:grid;grid-template-columns:1fr}
  .btn{width:100%}
  .quote{padding:34px 26px;outline-offset:4px}
  .quote:before{left:6px;top:0}
  .quote:after{right:6px}
  .ftr-cols{grid-template-columns:1fr}
  .ftr{padding-bottom:96px}
  .creed{font-size:.74rem;gap:8px 18px}
  .sticky{position:fixed;left:14px;right:14px;bottom:14px;z-index:70;display:flex;opacity:0;transform:translateY(16px);pointer-events:none;transition:.24s;box-shadow:var(--shadow)}
  body.show-sticky .sticky{opacity:1;transform:none;pointer-events:auto}
}
@media (prefers-reduced-motion:reduce){
  *,*:before,*:after{animation-duration:.01ms!important;transition-duration:.01ms!important;scroll-behavior:auto!important}
  html.js .rv{opacity:1;transform:none}
}
@media print{.hdr,.mob,.sticky,.cta,.creed{display:none}}