@import url('https://fonts.googleapis.com/css2?family=DM+Sans:wght@400;500;600;700&family=Playfair+Display:ital,wght@0,600;1,600&display=swap');
:root{--ink:#0b1716;--forest:#103a34;--forest2:#082824;--sage:#a7b9ad;--cream:#f1eee5;--paper:#fbfaf6;--gold:#c7a867;--line:#d8ddd6;--muted:#65706d}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font-family:'DM Sans',sans-serif;line-height:1.55}a{color:inherit;text-decoration:none}.nav{height:84px;display:flex;align-items:center;justify-content:space-between;padding:0 5vw;border-bottom:1px solid rgba(255,255,255,.12);position:absolute;width:100%;z-index:10;color:white}.brand{display:flex;align-items:center;gap:11px;font-size:13px;letter-spacing:.11em}.brand b{display:block;font-weight:500;color:var(--gold)}.mark{width:38px;height:38px;border:1px solid var(--gold);border-radius:50%;display:grid;place-items:center;font-family:'Playfair Display';font-size:21px;color:var(--gold)}nav{display:flex;align-items:center;gap:30px;font-size:13px}nav a{opacity:.82;transition:.2s}nav a:hover{opacity:1}.navcta{border:1px solid rgba(255,255,255,.5);padding:10px 17px;border-radius:30px}.menu{display:none;background:none;border:0;color:white;font-size:24px}.hero{min-height:830px;background:linear-gradient(118deg,#071c1a 0%,#0e3530 54%,#1f5148 100%);color:white;display:grid;grid-template-columns:1.05fr .95fr;align-items:center;padding:140px 7vw 85px;overflow:hidden;position:relative}.hero-grid{position:absolute;inset:0;opacity:.11;background-image:linear-gradient(rgba(255,255,255,.22) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.22) 1px,transparent 1px);background-size:90px 90px;mask-image:linear-gradient(to right,transparent 5%,black 70%)}.hero:after{content:"";position:absolute;width:650px;height:650px;border:1px solid rgba(199,168,103,.18);border-radius:50%;right:-280px;top:90px}.hero-copy{max-width:700px;position:relative;z-index:2}.eyebrow{font-size:10px;letter-spacing:.23em;font-weight:700;color:var(--gold);margin-bottom:24px}.hero h1,.intro h2,.statement h2,.process h2,.learn h2,.about h2,.consult h2,.insight h2{font-family:'Playfair Display',serif;font-size:clamp(50px,5.5vw,82px);line-height:1.01;letter-spacing:-.035em;margin:0 0 28px;font-weight:600}.hero h1 em,.statement h2 em{font-weight:600;color:#cbd8d0}.lead{font-size:18px;max-width:620px;color:#d5dfda;line-height:1.7}.actions{display:flex;gap:12px;margin:38px 0}.btn{display:inline-block;border:0;border-radius:3px;padding:14px 22px;font-weight:700;font-family:inherit;cursor:pointer;transition:transform .2s,opacity .2s}.btn:hover{transform:translateY(-2px)}.primary{background:var(--gold);color:#12221f}.ghost{border:1px solid rgba(255,255,255,.42);color:white}.dark{background:var(--forest);color:white}.trust{display:flex;gap:28px;margin-top:58px;font-size:9px;letter-spacing:.18em;color:#9eb1a9}.hero-art{height:540px;display:grid;place-items:center;position:relative;z-index:2}.orb{width:min(450px,38vw);height:min(450px,38vw);border-radius:50%;border:1px solid rgba(199,168,103,.72);position:relative;display:grid;place-items:center;background:radial-gradient(circle at 38% 35%,rgba(199,168,103,.18),transparent 48%);box-shadow:0 0 100px rgba(0,0,0,.12)}.ring{position:absolute;border:1px solid rgba(255,255,255,.14);border-radius:50%}.r1{inset:45px}.r2{inset:98px}.orb:before,.orb:after{content:"";position:absolute;background:var(--gold);border-radius:50%;width:7px;height:7px;box-shadow:0 0 20px var(--gold)}.orb:before{top:42px;right:92px}.orb:after{bottom:72px;left:48px}.metric{text-align:center;width:60%;z-index:2}.metric small{font-size:9px;letter-spacing:.18em;color:var(--gold)}.metric strong{display:block;font-family:'Playfair Display';font-size:31px;line-height:1.08;margin:12px 0}.metric p{font-size:10px;letter-spacing:.08em;color:#b9c9c2}.hero-caption{position:absolute;right:0;bottom:8px;font-size:8px;letter-spacing:.2em;color:#8ba29a;writing-mode:vertical-rl}.proof{display:grid;grid-template-columns:repeat(3,1fr);background:#0a211e;color:white;border-top:1px solid rgba(255,255,255,.1)}.proof>div{padding:35px 5vw;border-right:1px solid rgba(255,255,255,.1)}.proof>div:last-child{border:0}.proof small{color:var(--gold);font-size:9px;letter-spacing:.16em}.proof strong{display:block;font-family:'Playfair Display';font-size:21px;margin:8px 0 4px}.proof p{margin:0;color:#9eb0a9;font-size:12px}.intro{padding:120px 7vw;display:grid;grid-template-columns:1.25fr .75fr;gap:9vw;align-items:end}.intro h2,.process h2,.learn h2,.about h2,.consult h2,.insight h2{font-size:clamp(40px,4.2vw,62px)}.intro>p{font-size:18px;color:#53605d}.strategies{display:grid;grid-template-columns:repeat(4,1fr);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.strategies article{padding:58px 34px;min-height:365px;border-right:1px solid var(--line);position:relative;transition:background .25s,transform .25s}.strategies article:hover{background:#f3f1e9;transform:translateY(-4px)}.strategies article:last-child{border-right:0}.strategies span{font-family:'Playfair Display';color:var(--gold);font-size:16px}.strategies h3{font-family:'Playfair Display';font-size:29px;margin:52px 0 14px}.strategies p{font-size:14px;color:var(--muted);min-height:112px}.strategies a{font-size:12px;font-weight:700}.statement{background:#e3e8df;text-align:center;padding:130px 5vw;position:relative}.statement-rule{width:1px;height:50px;background:var(--gold);margin:0 auto 32px}.statement>p{font-size:10px;letter-spacing:.22em}.statement h2{font-size:clamp(42px,4.8vw,68px)}.process{padding:125px 7vw;display:grid;grid-template-columns:.9fr 1.1fr;gap:10vw}.process-copy>p{color:#63706c;font-size:17px;margin-bottom:30px}.steps{display:grid;grid-template-columns:1fr 1fr}.steps div{padding:31px;border-left:1px solid var(--line);border-bottom:1px solid var(--line)}.steps b{color:var(--gold);font-family:'Playfair Display'}.steps h3{font-family:'Playfair Display';font-size:25px}.steps p{color:var(--muted);font-size:14px}.learn{background:linear-gradient(135deg,var(--forest2),var(--forest));color:white;padding:120px 15vw}.learn h2{text-align:center}.learn>.eyebrow{text-align:center}.questions{max-width:900px;margin:52px auto 0}.questions details{border-top:1px solid rgba(255,255,255,.18);padding:23px 0}.questions details:last-child{border-bottom:1px solid rgba(255,255,255,.18)}summary{cursor:pointer;font-family:'Playfair Display';font-size:21px}.questions p{color:#c7d2cd;max-width:760px}.insight{padding:100px 7vw;background:#f1eee5;display:grid;grid-template-columns:.9fr 1.1fr;gap:10vw;align-items:end}.insight-copy{font-size:18px;color:#596561;max-width:700px}.insight-copy a{display:inline-block;margin-top:18px;color:var(--forest);font-weight:700;font-size:12px}.about{padding:125px 7vw;display:grid;grid-template-columns:1.1fr .9fr;gap:8vw;align-items:center}.about-card>p{color:#66716e;font-size:17px}.person{display:flex;align-items:center;gap:15px;margin-top:30px}.avatar{width:58px;height:58px;border-radius:50%;background:linear-gradient(145deg,#1b5047,#0b2925);color:var(--gold);display:grid;place-items:center;border:1px solid #b99d62}.avatar span{font-family:'Playfair Display';font-size:17px}.person small{display:block;color:#7b8582}.about-points{display:flex;gap:8px;flex-wrap:wrap;margin-top:24px}.about-points span{font-size:9px;letter-spacing:.1em;border:1px solid var(--line);padding:7px 10px;border-radius:20px;color:#6b7572}.quote{font-family:'Playfair Display';font-size:33px;line-height:1.3;border-left:2px solid var(--gold);padding:18px 0 18px 35px}.consult{background:var(--cream);padding:120px 7vw;display:grid;grid-template-columns:.85fr 1.15fr;gap:9vw}.consult p{color:#66716e}.contact{display:flex;flex-direction:column;gap:8px;margin-top:35px;font-size:14px}.contact a{font-weight:700}.consult form{background:white;padding:40px;border:1px solid #dfddd4;box-shadow:0 18px 60px rgba(30,45,40,.06)}.consult label{font-size:12px;font-weight:700;display:block;margin-bottom:18px}.consult input,.consult select,.consult textarea{width:100%;border:0;border-bottom:1px solid #cdd2cc;background:transparent;padding:12px 0;font:inherit;border-radius:0;outline:none}.consult input:focus,.consult select:focus,.consult textarea:focus{border-color:var(--gold)}.twocol{display:grid;grid-template-columns:1fr 1fr;gap:25px}.formnote{display:block;color:#858d8a;margin-top:14px}.notice{padding:12px;margin-bottom:20px;font-size:13px}.success{background:#e1eee5}.error{background:#f4dddd}footer{background:#071916;color:#c9d2ce;padding:70px 7vw;display:grid;grid-template-columns:1fr 1fr;gap:25px}footer>div:last-of-type{display:flex;gap:20px;justify-content:flex-end;font-size:12px}footer p{font-size:12px;color:#8fa29b}footer>small{grid-column:1/-1;border-top:1px solid #20322f;padding-top:25px;color:#71847d;max-width:1000px}@media(max-width:850px){.nav nav{display:none}.menu{display:block}.nav.open nav{display:flex;position:absolute;top:84px;left:0;right:0;background:#0b2422;flex-direction:column;padding:30px}.hero{grid-template-columns:1fr;min-height:auto;padding-top:150px}.hero-art{height:410px}.orb{width:335px;height:335px}.proof{grid-template-columns:1fr}.proof>div{border-right:0;border-bottom:1px solid rgba(255,255,255,.1)}.intro,.process,.about,.consult,.insight{grid-template-columns:1fr}.strategies{grid-template-columns:1fr 1fr}.learn{padding-left:7vw;padding-right:7vw}}@media(max-width:560px){.hero{padding-left:6vw;padding-right:6vw}.hero h1{font-size:48px}.hero-art{height:340px}.orb{width:280px;height:280px}.metric strong{font-size:22px}.intro{padding:82px 6vw}.strategies{grid-template-columns:1fr}.strategies article{border-right:0;border-bottom:1px solid var(--line)}.strategies p{min-height:auto}.process,.about,.consult,.insight{padding:82px 6vw}.steps{grid-template-columns:1fr}.twocol{grid-template-columns:1fr}.consult form{padding:25px}footer{grid-template-columns:1fr}footer>div:last-of-type{justify-content:flex-start;flex-wrap:wrap}}

/* PASS 3 — visual layer */
.visual-hero{display:block;position:relative;padding:36px 0 36px 36px}
.hero-photo{position:absolute;inset:18px 0 18px 55px;border-radius:240px 0 0 240px;background-image:linear-gradient(90deg,rgba(7,28,26,.18),rgba(7,28,26,.03)),url('https://static.wixstatic.com/media/c837a6_4380b6050e044e0b8eed12077cc1f883f000.jpg/v1/fill/w_1100,h_1200,al_c,q_88,enc_avif,quality_auto/c837a6_4380b6050e044e0b8eed12077cc1f883f000.jpg');background-size:cover;background-position:center;box-shadow:0 35px 90px rgba(0,0,0,.28);filter:saturate(.82) contrast(1.04)}
.hero-photo:after{content:"";position:absolute;inset:0;border-radius:inherit;background:linear-gradient(180deg,transparent 52%,rgba(5,25,22,.62));border:1px solid rgba(255,255,255,.16)}
.visual-card{position:absolute;left:0;bottom:78px;width:300px;padding:26px 28px;background:rgba(8,38,34,.92);backdrop-filter:blur(12px);border:1px solid rgba(199,168,103,.45);box-shadow:0 20px 50px rgba(0,0,0,.25)}
.visual-card small{font-size:9px;letter-spacing:.18em;color:var(--gold)}.visual-card strong{display:block;font-family:'Playfair Display';font-size:27px;line-height:1.08;margin:9px 0}.visual-card p{font-size:10px;letter-spacing:.08em;color:#b9c9c2;margin:0}
.visual-break{min-height:620px;display:grid;grid-template-columns:1.12fr .88fr;background:#0a211e;color:white;overflow:hidden}
.visual-break-image{min-height:620px;background-image:linear-gradient(90deg,rgba(7,28,26,.08),rgba(7,28,26,.45)),url('https://static.wixstatic.com/media/c837a6_210e845704ea481b909f2f66d765c232f000.jpg/v1/fill/w_1300,h_900,al_c,q_88,enc_avif,quality_auto/c837a6_210e845704ea481b909f2f66d765c232f000.jpg');background-size:cover;background-position:center;filter:saturate(.78) contrast(1.04)}
.visual-break-copy{padding:90px 7vw;align-self:center}.visual-break-copy h2{font-family:'Playfair Display';font-size:clamp(40px,4vw,61px);line-height:1.06;letter-spacing:-.03em;margin:0 0 24px}.visual-break-copy p{color:#b9c9c2;font-size:17px;max-width:580px}.visual-break-copy a{display:inline-block;margin-top:22px;color:var(--gold);font-size:12px;font-weight:700}
.strategies article:before{content:"";position:absolute;left:34px;right:34px;top:38px;height:1px;background:linear-gradient(90deg,var(--gold),transparent);opacity:.45}.strategies article:nth-child(1){background-image:radial-gradient(circle at 100% 0,rgba(199,168,103,.09),transparent 36%)}.strategies article:nth-child(2){background-image:radial-gradient(circle at 100% 0,rgba(16,58,52,.09),transparent 36%)}.strategies article:nth-child(3){background-image:radial-gradient(circle at 100% 0,rgba(199,168,103,.09),transparent 36%)}.strategies article:nth-child(4){background-image:radial-gradient(circle at 100% 0,rgba(16,58,52,.09),transparent 36%)}
.about{grid-template-columns:.72fr 1.08fr .8fr;gap:5vw}.about-visual{align-self:stretch;min-height:500px;position:relative}.about-image{height:100%;min-height:500px;background-image:linear-gradient(180deg,transparent 58%,rgba(7,28,26,.72)),url('https://static.wixstatic.com/media/6f851d_95258fccd357481f93e03f78518a61e9~mv2.png/v1/fill/w_900,h_1100,al_c,q_90,enc_avif,quality_auto/Untitled-1.png');background-size:cover;background-position:center;border-radius:2px;box-shadow:0 25px 60px rgba(25,45,39,.12)}.about-visual span{position:absolute;left:22px;bottom:22px;color:white;font-size:8px;letter-spacing:.2em}.about .quote{font-size:27px}
@media(max-width:1050px){.about{grid-template-columns:.8fr 1.2fr}.about .quote{grid-column:1/-1;margin-left:calc(40% + 2.5vw)}}
@media(max-width:850px){.visual-hero{height:470px;padding:0}.hero-photo{inset:10px 0 10px 10vw;border-radius:220px 0 0 220px}.visual-card{left:4vw;bottom:42px}.visual-break{grid-template-columns:1fr}.visual-break-image{min-height:460px}.about{grid-template-columns:1fr}.about-visual{min-height:440px}.about-image{min-height:440px}.about .quote{grid-column:auto;margin-left:0}}
@media(max-width:560px){.visual-hero{height:390px}.hero-photo{inset:10px 0 10px 6vw}.visual-card{width:255px;padding:20px;bottom:28px}.visual-card strong{font-size:23px}.visual-break-image{min-height:360px}.visual-break-copy{padding:72px 6vw}.about-visual,.about-image{min-height:360px}}

/* Pass 4 — warmer family-centered visual direction + stronger company branding */
.brand-logo img{width:205px;height:auto;display:block;mix-blend-mode:screen;filter:brightness(1.08) saturate(1.08)}
.hero-brand{display:block;width:min(420px,72%);height:auto;margin:0 0 34px;border-radius:2px;box-shadow:0 18px 50px rgba(0,0,0,.18)}
.hero{background:linear-gradient(118deg,#20180f 0%,#4a3520 48%,#755538 100%)}
.hero-grid{opacity:.07}.hero:after{border-color:rgba(218,177,96,.24)}
.hero h1 em{color:#f0d5a0}.lead{color:#f0e7d9}.trust{color:#d7c5ab}
.hero-photo{background-image:linear-gradient(90deg,rgba(45,25,10,.10),rgba(45,25,10,.02)),url('https://images.unsplash.com/photo-1758691031402-5cfbeebc6162?auto=format&fit=crop&fm=jpg&q=82&w=1800');background-position:center;background-size:cover;filter:saturate(1.08) contrast(1.02) brightness(1.04)}
.hero-photo:after{background:linear-gradient(180deg,transparent 64%,rgba(48,27,12,.30));border-color:rgba(255,238,210,.25)}
.visual-break{background:#f5eee2}
.visual-break-image{background-image:linear-gradient(90deg,rgba(89,49,20,.04),rgba(89,49,20,.14)),url('https://images.unsplash.com/photo-1529180979161-06b8b6d6f2be?auto=format&fit=crop&fm=jpg&q=82&w=1800');background-position:center 48%;filter:saturate(1.12) contrast(1.01) brightness(1.05)}
.visual-break-copy{background:linear-gradient(135deg,#f7f0e5,#efe0c8)}
.about-image{background-image:linear-gradient(180deg,transparent 72%,rgba(76,43,20,.35)),url('https://images.unsplash.com/photo-1758686253706-15c16f83743a?auto=format&fit=crop&fm=jpg&q=82&w=1600');background-position:center;background-size:cover;filter:saturate(1.08) brightness(1.04)}
.about-visual span{background:rgba(44,27,14,.72);padding:8px 10px;border-radius:2px}
.footer-logo img{width:245px;height:auto;display:block}
@media(max-width:850px){.brand-logo img{width:170px}.hero-brand{width:min(390px,78%);margin-bottom:26px}}
@media(max-width:560px){.brand-logo img{width:145px}.hero-brand{width:90%;margin-bottom:24px}.footer-logo img{width:220px}}

/* Pass 4.1 — contemporary heritage brand system */
.nav{height:96px;padding:0 6vw;background:linear-gradient(180deg,rgba(19,15,11,.74),rgba(19,15,11,.18),transparent);border-bottom-color:rgba(224,184,104,.18)}
.brand-system{gap:14px;min-width:330px}.nav-crest{width:76px;height:68px;object-fit:contain;filter:drop-shadow(0 4px 14px rgba(0,0,0,.28))}.nav-word{display:flex;flex-direction:column;gap:4px}.nav-word img{width:225px;height:auto;display:block}.nav-word small{font-size:7px;letter-spacing:.30em;color:#d7bd87;text-align:center;opacity:.86}
.hero{padding-top:156px}.hero-copy{padding-top:10px}.hero-copy:before{content:"";display:block;width:118px;height:18px;margin-bottom:27px;background:url('images/bws-ornament.png') center/contain no-repeat;opacity:.78}
.hero h1{font-size:clamp(54px,5.7vw,88px);text-shadow:0 3px 24px rgba(0,0,0,.15)}
.visual-hero{overflow:visible}.hero-crest-watermark{position:absolute;z-index:3;top:5px;left:5%;width:min(390px,48%);opacity:.20;filter:drop-shadow(0 10px 28px rgba(74,39,10,.20));pointer-events:none;mix-blend-mode:screen}
.hero-photo{border-radius:0;inset:0 0 0 28px;box-shadow:0 30px 90px rgba(0,0,0,.25)}.hero-photo:after{border-radius:0}
.visual-card{left:-12px;bottom:48px;background:rgba(29,21,14,.84);border-color:rgba(224,184,104,.55)}
.hero-caption{color:#d1b778;right:-14px}
.statement:before{content:"";display:block;width:220px;height:42px;margin:0 auto 18px;background:url('images/bws-ornament.png') center/contain no-repeat;opacity:.42}.statement-rule{display:none}
.learn:before{content:"";display:block;width:150px;height:30px;margin:0 auto 24px;background:url('images/bws-ornament.png') center/contain no-repeat;opacity:.55}
.footer-brand-system{grid-column:1/-1;border-bottom:1px solid rgba(199,168,103,.22);padding-bottom:30px;margin-bottom:18px}.footer-brand-system img{width:310px;height:auto;display:block;filter:drop-shadow(0 5px 18px rgba(0,0,0,.2))}
.brand-logo,.hero-brand{display:none!important}
@media(max-width:1050px){.brand-system{min-width:auto}.nav-word img{width:185px}.nav-word small{font-size:6px}.nav-crest{width:64px}.nav nav{gap:18px}}
@media(max-width:850px){.nav{height:88px}.brand-system{gap:8px}.nav-crest{width:56px;height:55px}.nav-word img{width:165px}.nav-word small{display:none}.hero{padding-top:132px}.hero-crest-watermark{width:46%;left:8%;top:14px}.hero-photo{inset:0 0 0 6vw}.footer-brand-system img{width:270px}}
@media(max-width:560px){.nav{padding:0 5vw}.nav-crest{width:48px}.nav-word img{width:140px}.hero-copy:before{width:95px}.hero-crest-watermark{width:55%;opacity:.18}.footer-brand-system img{width:245px}}

/* Pass 4.2 — strategy-card visual system + footer logo cleanup */
.strategies{background:#f8f5ed;gap:0}
.strategies .strategy-card{padding:0;min-height:470px;overflow:hidden;background:#fbfaf6;transform:none;display:flex;flex-direction:column}
.strategies .strategy-card:hover{background:#fff;transform:translateY(-5px);box-shadow:0 22px 48px rgba(39,31,20,.10);z-index:2}
.strategy-visual{height:158px;position:relative;display:flex;flex-direction:column;align-items:center;justify-content:center;overflow:hidden;border-bottom:1px solid rgba(199,168,103,.32);isolation:isolate}
.strategy-visual:before{content:"";position:absolute;inset:0;background:radial-gradient(circle at 50% 115%,rgba(220,178,91,.42),transparent 48%),linear-gradient(145deg,#162a27,#0b1917);z-index:-2}
.strategy-visual:after{content:"";position:absolute;width:220px;height:220px;border:1px solid rgba(225,190,116,.16);border-radius:50%;top:-120px;right:-60px;box-shadow:0 0 0 24px rgba(225,190,116,.035),0 0 0 50px rgba(225,190,116,.02);z-index:-1}
.strategy-card.protect .strategy-visual:before{background:radial-gradient(circle at 20% 120%,rgba(196,154,78,.34),transparent 50%),linear-gradient(145deg,#243832,#0d1c19)}
.strategy-card.retire .strategy-visual:before{background:radial-gradient(circle at 82% 120%,rgba(224,184,104,.38),transparent 48%),linear-gradient(145deg,#1c312e,#0b1817)}
.strategy-card.transfer .strategy-visual:before{background:radial-gradient(circle at 48% 120%,rgba(207,164,81,.38),transparent 50%),linear-gradient(145deg,#26372d,#101b17)}
.strategy-visual svg{width:62px;height:62px;fill:none;stroke:#d9b86f;stroke-width:1.7;stroke-linecap:round;stroke-linejoin:round;filter:drop-shadow(0 7px 16px rgba(0,0,0,.24));transition:transform .35s ease}
.strategy-card:hover .strategy-visual svg{transform:translateY(-4px) scale(1.04)}
.strategy-visual small{margin-top:11px;color:#e4cf9f;font-size:7px;letter-spacing:.20em;font-weight:700}
.strategy-body{padding:30px 30px 34px;display:flex;flex-direction:column;flex:1}
.strategies .strategy-body>span{font-size:13px}
.strategies .strategy-body h3{margin:20px 0 12px;font-size:27px}
.strategies .strategy-body p{min-height:105px;margin:0 0 22px}
.strategies .strategy-body a{margin-top:auto;color:#29463f}
.strategies .strategy-body a:after{content:"";display:block;width:28px;height:1px;background:var(--gold);margin-top:10px;transition:width .25s ease}
.strategies .strategy-card:hover a:after{width:54px}
.footer-logo{display:none!important}
@media(max-width:850px){.strategies .strategy-card{min-height:445px}.strategy-visual{height:145px}}
@media(max-width:560px){.strategies .strategy-card{min-height:auto}.strategy-visual{height:165px}.strategies .strategy-body p{min-height:auto}.strategy-body{padding:28px 7vw 34px}}

/* Pass 4.3 — photographic strategy system inspired by approved visual target */
.intro{background:#f8f4ea;padding-bottom:46px}.intro h2{color:#102a35}.intro h2 br+*{color:var(--gold)}
.strategy-six{grid-template-columns:repeat(6,minmax(0,1fr));padding:0 3.2vw 84px;background:#f8f4ea;gap:12px;align-items:stretch}
.strategy-six .strategy-card{min-height:420px;border:1px solid rgba(199,168,103,.72);border-radius:10px;background:#fff;box-shadow:0 8px 28px rgba(21,37,35,.055);overflow:hidden}
.strategy-six .strategy-card:before{display:none}.strategy-six .strategy-card:hover{transform:translateY(-7px);box-shadow:0 20px 42px rgba(25,40,37,.13)}
.strategy-photo{height:152px;background-size:cover;background-position:center;position:relative;border-bottom:1px solid rgba(199,168,103,.45)}
.strategy-photo:after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,transparent 55%,rgba(10,28,34,.22))}
.retire-income .strategy-photo{background-image:url('https://images.unsplash.com/photo-1758691031402-5cfbeebc6162?auto=format&fit=crop&fm=jpg&q=82&w=900')}
.preserve .strategy-photo{background-image:url('https://images.unsplash.com/photo-1769674845225-c2a1bc559197?auto=format&fit=crop&fm=jpg&q=82&w=900')}
.insurance .strategy-photo{background-image:url('https://images.unsplash.com/photo-1620457133845-db05ef3642f1?auto=format&fit=crop&fm=jpg&q=82&w=900')}
.rollovers .strategy-photo{background-image:url('https://images.unsplash.com/photo-1500530855697-b586d89ba3ee?auto=format&fit=crop&fm=jpg&q=82&w=900')}
.college .strategy-photo{background-image:url('https://images.unsplash.com/photo-1523050854058-8df90110c9f1?auto=format&fit=crop&fm=jpg&q=82&w=900')}
.legacy .strategy-photo{background-image:url('https://images.unsplash.com/photo-1529156069898-49953e39b3ac?auto=format&fit=crop&fm=jpg&q=82&w=900')}
.strategy-icon{position:absolute;z-index:2;left:50%;bottom:-28px;transform:translateX(-50%);width:58px;height:58px;border-radius:50%;display:grid;place-items:center;background:#0b2430;border:2px solid #d6b469;color:#e1bd70;font-family:Georgia,serif;font-size:25px;box-shadow:0 5px 16px rgba(0,0,0,.18)}
.strategy-six .strategy-body{padding:42px 18px 25px;text-align:center}.strategy-six .strategy-body>span{display:none}.strategy-six .strategy-body h3{font-family:'Playfair Display';font-size:21px;line-height:1.05;margin:0 0 12px;color:#12252d}.strategy-six .strategy-body p{font-size:13px;line-height:1.55;min-height:92px;color:#6b6d68;margin-bottom:14px}.strategy-six .strategy-body a{font-size:11px;color:#9b6b1d;font-weight:700}.strategy-six .strategy-body a:after{margin:9px auto 0;background:#c7a867}
@media(max-width:1200px){.strategy-six{grid-template-columns:repeat(3,1fr);gap:18px}.strategy-six .strategy-card{min-height:400px}.strategy-photo{height:180px}}
@media(max-width:760px){.strategy-six{grid-template-columns:repeat(2,1fr);padding-left:5vw;padding-right:5vw}.strategy-photo{height:170px}}
@media(max-width:520px){.strategy-six{grid-template-columns:1fr}.strategy-six .strategy-card{min-height:auto}.strategy-photo{height:210px}.strategy-six .strategy-body p{min-height:auto}}

/* Pass 4.3.1 — surgical media-only eye-candy patch. v4.3 structure preserved. */
/* Replace the failed College Planning thumbnail with warm education/family photography. */
.college .strategy-photo{background-image:url('https://images.unsplash.com/photo-1523240795612-9a054b0db644?auto=format&fit=crop&fm=jpg&q=84&w=1200');background-position:center 46%}

/* Clarity before complexity: add photographic atmosphere without changing markup/layout. */
.process{position:relative;overflow:hidden;background:linear-gradient(90deg,rgba(251,250,246,.98) 0%,rgba(251,250,246,.96) 43%,rgba(251,250,246,.84) 61%,rgba(251,250,246,.70) 100%)}
.process:before{content:"";position:absolute;inset:0 0 0 52%;background-image:linear-gradient(90deg,rgba(251,250,246,.98),rgba(251,250,246,.28) 48%,rgba(7,25,22,.10)),url('https://images.unsplash.com/photo-1450101499163-c8848c66ca85?auto=format&fit=crop&fm=jpg&q=82&w=1600');background-size:cover;background-position:center;z-index:0;opacity:.82}
.process:after{content:"";position:absolute;right:4vw;top:8%;width:190px;height:190px;border:1px solid rgba(199,168,103,.38);border-radius:50%;box-shadow:0 0 0 24px rgba(199,168,103,.055),0 0 0 48px rgba(199,168,103,.025);z-index:0}
.process>*{position:relative;z-index:1}
.process .steps{background:rgba(251,250,246,.82);backdrop-filter:blur(5px);box-shadow:0 20px 55px rgba(13,35,31,.10);border:1px solid rgba(199,168,103,.22)}
.process .steps div{background:rgba(255,255,255,.66);transition:transform .25s ease,background .25s ease,box-shadow .25s ease}
.process .steps div:hover{transform:translateY(-3px);background:rgba(255,255,255,.92);box-shadow:0 12px 28px rgba(18,42,37,.08)}

/* More than accumulation: introduce one strong photographic field, preserving existing copy. */
.insight{position:relative;overflow:hidden;background:#0a211e;color:white;min-height:430px}
.insight:before{content:"";position:absolute;inset:0 0 0 48%;background-image:linear-gradient(90deg,#0a211e 0%,rgba(10,33,30,.82) 20%,rgba(10,33,30,.20) 72%),url('https://images.unsplash.com/photo-1500530855697-b586d89ba3ee?auto=format&fit=crop&fm=jpg&q=84&w=1800');background-size:cover;background-position:center 48%;z-index:0}
.insight:after{content:"GROW   •   ACCESS   •   PROTECT   •   TRANSFER";position:absolute;right:5vw;bottom:34px;color:rgba(255,255,255,.72);font-size:9px;letter-spacing:.22em;z-index:1}
.insight>*{position:relative;z-index:2}
.insight h2{color:white;text-shadow:0 2px 20px rgba(0,0,0,.18)}
.insight-copy{color:#d4dfda;background:rgba(6,25,22,.54);border-left:1px solid rgba(199,168,103,.72);padding:28px 30px;backdrop-filter:blur(4px)}
.insight-copy a{color:#e0c37e}
@media(max-width:850px){.process:before{inset:44% 0 0 0;opacity:.30}.process:after{display:none}.insight:before{inset:38% 0 0 0}.insight{min-height:560px}.insight-copy{max-width:none}}
@media(max-width:560px){.process:before{inset:48% 0 0 0;opacity:.24}.process .steps{backdrop-filter:none}.insight:before{inset:44% 0 0 0}.insight:after{display:none}.insight-copy{padding:24px 22px}}

/* Pass 4.3.2 — Clarity before complexity visual-media patch only. */
.process{background:#f7f3e9}
.process:before{background-image:linear-gradient(90deg,rgba(247,243,233,.97),rgba(247,243,233,.74)),url('https://images.unsplash.com/photo-1497366811353-6870744d04b2?auto=format&fit=crop&fm=jpg&q=82&w=1800');inset:0;opacity:.34;background-position:center}
.process .steps{gap:10px;background:transparent;border:0;box-shadow:none;backdrop-filter:none;align-self:center}
.process .steps div{position:relative;overflow:hidden;min-height:245px;padding:118px 25px 25px;border:1px solid rgba(199,168,103,.48);border-radius:5px;background-size:cover;background-position:center;box-shadow:0 15px 34px rgba(12,31,28,.13);isolation:isolate;color:white}
.process .steps div:before{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(180deg,rgba(5,25,31,.04) 8%,rgba(5,25,31,.34) 48%,rgba(5,25,31,.94) 100%)}
.process .steps div:nth-child(1){background-image:url('https://images.unsplash.com/photo-1522202176988-66273c2fd55f?auto=format&fit=crop&fm=jpg&q=84&w=1000');background-position:center 42%}
.process .steps div:nth-child(2){background-image:url('https://images.unsplash.com/photo-1454165804606-c3d57bc86b40?auto=format&fit=crop&fm=jpg&q=84&w=1000');background-position:center}
.process .steps div:nth-child(3){background-image:url('https://images.unsplash.com/photo-1554224155-8d04cb21cd6c?auto=format&fit=crop&fm=jpg&q=84&w=1000');background-position:center}
.process .steps div:nth-child(4){background-image:url('https://images.unsplash.com/photo-1529156069898-49953e39b3ac?auto=format&fit=crop&fm=jpg&q=84&w=1000');background-position:center 38%}
.process .steps div:hover{transform:translateY(-5px);background-color:transparent;box-shadow:0 20px 42px rgba(12,31,28,.20)}
.process .steps b{display:grid;place-items:center;width:38px;height:38px;border-radius:50%;margin-bottom:13px;background:#092631;border:1px solid #d5b268;color:#e3c278;font-size:15px;box-shadow:0 4px 14px rgba(0,0,0,.24)}
.process .steps h3{color:white;margin:0 0 7px;font-size:26px;text-shadow:0 2px 10px rgba(0,0,0,.42)}
.process .steps p{color:rgba(255,255,255,.88);margin:0;font-size:13px;line-height:1.45;text-shadow:0 1px 7px rgba(0,0,0,.35)}
@media(max-width:850px){.process:before{inset:0;opacity:.18}.process .steps{gap:10px}.process .steps div{min-height:225px}}
@media(max-width:560px){.process:before{inset:0;opacity:.14}.process .steps div{min-height:220px;padding-top:112px}}