:root{
  --navy:#071b33; --navy2:#0d294a; --gold:#d9ad54; --gold2:#f1d38c;
  --ink:#172235; --muted:#687487; --cream:#f7f4ed; --soft:#f6f8fa;
  --white:#fff; --line:#dde3e9; --red:#ef4a3f; --shadow:0 20px 55px rgba(7,27,51,.12);
}
*{box-sizing:border-box} html{scroll-behavior:smooth}
body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:#fff;line-height:1.65}
img{max-width:100%;display:block} a{text-decoration:none;color:inherit}
.container{width:min(1160px,calc(100% - 40px));margin:auto}
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(12px);border-bottom:1px solid rgba(7,27,51,.08)}
.nav-wrap{min-height:82px;display:flex;align-items:center;justify-content:space-between;gap:28px}
.logo-lockup{display:flex;align-items:center;gap:12px}.logo-lockup img{width:50px;height:50px;border-radius:50%;object-fit:cover}
.logo-lockup strong{display:block;font-size:15px;letter-spacing:.08em}.logo-lockup small{display:block;color:var(--muted);font-size:10px;letter-spacing:.12em;margin-top:3px}
.nav{display:flex;align-items:center;gap:22px;font-size:14px;font-weight:700}.nav a:hover,.active{color:#9a7329}
.nav .cta{background:var(--navy);color:white;padding:10px 16px;border-radius:7px}
.menu-btn{display:none;border:0;background:none;font-size:26px}
.hero{padding:92px 0;background:linear-gradient(135deg,#faf8f2 0,#fff 50%,#eef4f8 100%)}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:60px;align-items:center}
.kicker{font-size:12px;letter-spacing:.2em;font-weight:800;color:#9a7329;margin:0 0 14px}
h1,h2,h3{font-family:Georgia,"Times New Roman",serif;line-height:1.1;margin-top:0;color:var(--navy)}
h1{font-size:clamp(48px,6vw,78px);letter-spacing:-.045em;margin-bottom:22px} h1 span{color:#a77b2f}
h2{font-size:clamp(34px,4vw,50px);letter-spacing:-.03em} h3{font-size:25px}
.lead{font-size:18px;color:#566477;max-width:680px}
.actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:30px}.btn{padding:13px 20px;border-radius:7px;font-weight:800;display:inline-flex;align-items:center;justify-content:center;border:1px solid transparent}
.btn-dark{background:var(--navy);color:#fff}.btn-light{background:#fff;border-color:#aeb8c4}.btn-gold{background:var(--gold);color:var(--navy)}
.hero-card{background:var(--navy);color:#fff;border-radius:18px;padding:42px;box-shadow:var(--shadow);position:relative;overflow:hidden}
.hero-card:before{content:"";position:absolute;right:-80px;top:-80px;width:220px;height:220px;border-radius:50%;background:rgba(217,173,84,.16)}
.hero-card h3{color:#fff;font-size:34px}.hero-card p{color:#c7d1dc}.service-pills{display:grid;gap:12px;margin-top:28px}
.service-pills div{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.12);padding:14px 16px;border-radius:10px}
.section{padding:94px 0}.section.soft{background:var(--soft)}.section.cream{background:var(--cream)}.section.dark{background:var(--navy);color:#fff}
.section.dark h2,.section.dark h3{color:#fff}.section.dark p{color:#cbd4dd}
.heading-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:60px;align-items:start;margin-bottom:46px}.heading-grid p{color:var(--muted)}
.cards3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.card{padding:32px;border:1px solid var(--line);border-radius:13px;background:#fff}
.card.featured{background:var(--cream);border-color:#e6d8b6}.card p,.card li{color:var(--muted)}.card ul{padding-left:18px}.card a{color:#84611e;font-weight:800}
.card .num{font-size:11px;letter-spacing:.15em;color:#9a7329;font-weight:800}
.band-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:62px;align-items:center}
.brand-panel{background:var(--navy2);border:1px solid rgba(255,255,255,.12);padding:32px;border-radius:14px}
.broker-logos{display:grid;grid-template-columns:1.35fr .65fr;gap:14px}.broker-box{min-height:112px;border-radius:10px;display:flex;align-items:center;justify-content:center;padding:14px}
.broker-box.club{background:#050505}.broker-box.exp{background:#fff}.broker-box.exp img{max-height:78px;width:auto}.broker-note{font-size:11px!important;margin-top:18px!important}
.resource-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.resource{background:#fff;border-top:3px solid var(--gold);padding:28px;box-shadow:0 10px 30px rgba(7,27,51,.05)}
.resource small{font-size:10px;letter-spacing:.15em;font-weight:800;color:#9a7329}.resource p{color:var(--muted)}
.about-grid{display:grid;grid-template-columns:.75fr 1.25fr;gap:65px;align-items:center}.portrait{border-radius:16px;overflow:hidden;box-shadow:var(--shadow);background:#eee}.portrait img{width:100%;height:100%;object-fit:cover}
.contact-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:60px}.contact-card{background:#fff;border-radius:14px;padding:34px;color:var(--ink)}
.contact-card label{display:block;font-size:12px;font-weight:800;margin-bottom:15px}.contact-card input,.contact-card select,.contact-card textarea{width:100%;margin-top:6px;padding:12px;border:1px solid #cdd5de;border-radius:7px;font:inherit}
.notice{font-size:11px;color:var(--muted);margin-top:12px}
.page-hero{padding:74px 0;background:linear-gradient(135deg,#faf8f2,#f1f5f8)}.page-hero .container{max-width:900px}.page-hero p{font-size:18px;color:#5f6d80}
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start}.checklist{display:grid;gap:12px}.check{padding:14px 16px;border:1px solid var(--line);border-radius:9px;background:#fff}
.callout{padding:28px;border-left:4px solid var(--gold);background:var(--cream);border-radius:0 10px 10px 0}
footer{background:#051426;color:#cbd4dd;padding:58px 0 24px}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:36px}.footer-grid h4{color:#fff;margin:0 0 10px}.footer-grid a,.footer-grid span{font-size:13px;color:#b7c2ce;margin:3px 0;display:block}.footer-grid p{font-size:13px;color:#96a4b3}
.footer-logo{display:flex;gap:12px;align-items:center}.footer-logo img{width:56px;height:56px;border-radius:50%;object-fit:cover}.footer-logo strong{color:#fff}
.legal{border-top:1px solid rgba(255,255,255,.1);margin-top:35px;padding-top:18px;font-size:10px;color:#7e8d9e;display:flex;justify-content:space-between;gap:30px}
@media(max-width:900px){
 .nav{display:none;position:absolute;top:82px;left:0;right:0;background:#fff;padding:24px;flex-direction:column;align-items:flex-start;border-bottom:1px solid var(--line)}
 .nav.open{display:flex}.menu-btn{display:block}.hero-grid,.heading-grid,.band-grid,.about-grid,.contact-grid,.two-col{grid-template-columns:1fr}
 .cards3,.resource-grid{grid-template-columns:1fr}.footer-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:600px){
 .container{width:min(100% - 28px,1160px)}.hero{padding:64px 0}.section{padding:70px 0}.broker-logos{grid-template-columns:1fr}.footer-grid{grid-template-columns:1fr}.legal{flex-direction:column}
}


/* Site-wide approved Home page footer */
.standard-footer{
  margin-top:30px;
  background:linear-gradient(90deg,#051c38,#052750);
  color:#fff;
  padding:26px 0 16px;
}
.standard-footer-grid{
  display:grid;
  grid-template-columns:repeat(4,1fr);
  gap:20px;
}
.standard-footer-item{
  display:flex;
  gap:12px;
  align-items:flex-start;
  padding:10px 0;
}
.standard-footer-icon{
  font-size:26px;
  color:#f0c86e;
}
.standard-footer-item strong{
  display:block;
  color:#f0c86e;
  margin-bottom:4px;
}
.standard-footer-item span{
  display:block;
  color:#fff;
  opacity:.92;
  line-height:1.5;
  font-size:13px;
}
.standard-footer-item a{
  color:#fff;
}
.standard-footer-bottom{
  border-top:1px solid rgba(255,255,255,.12);
  margin-top:16px;
  padding-top:12px;
  display:flex;
  justify-content:space-between;
  gap:20px;
  font-size:13px;
  opacity:.95;
}
.standard-footer-bottom a{color:#fff}
@media(max-width:900px){
  .standard-footer-grid{
    grid-template-columns:1fr 1fr;
  }
  .standard-footer-bottom{
    display:grid;
    grid-template-columns:1fr;
  }
}
@media(max-width:600px){
  .standard-footer-grid{
    grid-template-columns:1fr;
  }
}