/* =========================
   Pill Border for .site-nav a.cta-button (Global)
   ========================= */
.site-nav a.cta-button {
  border: 2px solid #000;
  border-radius: 9999px;
}
/* =========================
   BrokerCheck Floating Badge
   ========================= */
.brokercheck-badge {
  position: fixed;
  right: 16px;
  bottom: 0;
  z-index: 10000;
  display: block;
  margin: 0;
  padding: 0;
  line-height: 0;
}
.brokercheck-badge img {
  display: block;
  width: 180px;
  height: auto;
  margin: 0;
  padding: 0;
  border-top-left-radius: 8px;
  border-top-right-radius: 8px;
}
@media (max-width: 1024px) {
  .brokercheck-badge img {
    width: 160px;
  }
}
@media (max-width: 600px) {
  .brokercheck-badge {
    right: 12px;
    bottom: 0;
  }
  .brokercheck-badge img {
    width: 120px;
  }
}
/* =========================
   Shared Light Background Wrapper
   ========================= */
.light-background-wrapper {
  background-color: var(--light-gray);
}
/* =========================
   Living Balance Sheet Section (About)
   ========================= */
.about-lbs-section {
  /* Remove conflicting padding for full-width background */
  /* padding: 60px 80px; */
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 60px;
}
.lbs-section {
  margin: 0;
  padding: 60px 0;
  background-color: #f6f8fa;
}
.about-lbs-text {
  max-width: 600px;
  flex: 1;
}
.about-lbs-image {
  flex: 1;
  display: flex;
  justify-content: center;
  align-items: center;
}
.about-lbs-image img {
  width: clamp(260px, 42vw, 420px);
  height: auto;
  display: block;
  object-fit: contain;
}

@media (max-width: 1024px) {
  .about-lbs-section,
  .lbs-section {
    flex-direction: column;
    align-items: flex-start;
    gap: 32px;
    padding: 40px 0;
  }
  .about-lbs-image {
    justify-content: flex-start;
    width: 100%;
  }
  .about-lbs-image img {
    width: clamp(260px, 60vw, 420px);
    margin: 0 auto;
  }
}

@media (max-width: 600px) {
  .about-lbs-section,
  .lbs-section {
    padding: 24px 0;
    gap: 24px;
  }
  .about-lbs-text {
    max-width: 100%;
  }
  .about-lbs-image img {
    width: clamp(220px, 86vw, 360px);
  }
}
/* LBS Section Container for alignment and flex */
.about-lbs-container {
  max-width: 1200px;
  margin: 0 auto;
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  align-items: center;
  gap: 60px;
}

@media (max-width: 1024px) {
  .about-lbs-container {
    flex-direction: column;
    align-items: flex-start;
    gap: 32px;
    padding: 0 24px;
  }
}
@media (max-width: 600px) {
  .about-lbs-container {
    padding: 0 8px;
    gap: 24px;
  }
}
/* === Homepage Advisor Section – New Styles === */
.homepage-advisor-section {
  padding: 80px 120px;
  background-color: #fff;
}


.advisor-container {
  display: flex;
  align-items: center;
  justify-content: center;
  max-width: 1200px;
  margin: 0 auto;
  padding: 60px 80px;
  gap: 40px;
}

/* Homepage advisor flex content: increase gap between text and photo */

.advisor-text {
  flex: 1;
}

.advisor-text h2 {
  font-size: 2rem;
  margin-bottom: 1.25rem;
}

.advisor-text p {
  font-size: 1rem;
  line-height: 1.5;
  margin-bottom: 1.5rem;
}

.advisor-image {
  flex: 1;
  display: flex;
  justify-content: center;
}


/* Homepage advisor image: make perfectly circular and fixed size */
.homepage-advisor-section .advisor-image img {
  width: 250px;
  height: 250px;
  border-radius: 50%;
  object-fit: cover;
}


/* Homepage advisor photo: center image and enforce perfect circle with aspect ratio */
.homepage-advisor-photo {
  display: flex;
  justify-content: center;
  align-items: center;
}

/* Updated photo-collage styles */
.advisor-row {
  display: flex;
  flex-direction: row;
  flex-wrap: wrap;
  align-items: flex-start;
  justify-content: center;
  gap: var(--spacing-xl);
  padding: var(--spacing-xs) var(--spacing-xs);
}

/* About page advisor photo collage wrapper */
/* About page advisor image (single family photo) */
.advisor-image {
  width: 100%;
  max-width: 600px;
  height: auto;
  border-radius: 16px;
  box-shadow: 0 10px 20px rgba(0,0,0,0.1);
  display: block;
}

.full-width-section {
  width: 100vw;
  position: relative;
  left: 50%;
  right: 50%;
  margin-left: -50vw;
  margin-right: -50vw;
}
/* =========================
   1. Root Variables & Base Reset
   ========================= */


/* =========================
   Root Variables & Spacing
   ========================= */
:root {
  --primary-blue: #004488;
  --secondary-blue: #0077c0;
  --accent-gold: #FDD46B;
  --accent-clay: #E2CBBC;
  --dark-gray: #2E2E2E;
  --light-gray: #f7f7f7;
  --white: #ffffff;
  --heading-font: 'Libre Baskerville', serif;
  --body-font: 'Almarai', sans-serif;
  /* Spacing & Sizing */
  --spacing-xs: 8px;
  --spacing-sm: 16px;
  --spacing-md: 24px;
  --spacing-lg: 40px;
  --spacing-xl: 60px;
  --spacing-xxl: 80px;
  --spacing-hero: 120px;
  --font-size-base: 16px;
  --font-size-md: 18px;
  --font-size-lg: 24px;
  --font-size-xl: 32px;
  --font-size-xxl: 48px;
  --bp-sm: 600px;
  --bp-md: 768px;
  --bp-lg: 1024px;
}

* {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
}

ul, ol {
  list-style: none;
  padding-left: 0;
}

body {
  font-family: var(--body-font);
  line-height: 1.6;
  background-color: var(--white);
  color: var(--dark-gray);
}

/* =========================
   2. Layout Utility Classes
   ========================= */

/* Full-bleed utility */
.full-bleed {
  width: 100vw;
  position: relative;
  left: 50%;
  right: 50%;
  margin-left: -50vw;
  margin-right: -50vw;
  overflow-x: clip;
}

/* Base section padding (mobile-first) */
.section {
  padding-block: var(--spacing-xxl);
  padding-inline: var(--spacing-lg);
}

@media (max-width: 768px) {
  .section {
    padding-inline: var(--spacing-sm);
  }
}


.site-container,
body > main,
header,
footer {
  padding-left: var(--spacing-lg);
  padding-right: var(--spacing-lg);
}

.content-wrapper {
  max-width: 1440px;
  margin: 0 auto;
  padding-left: var(--spacing-xs);
  padding-right: var(--spacing-xs);
}

/* =========================
   3. Global Typography
   ========================= */

nav a {
  color: var(--dark-gray);
  text-decoration: none;
}

/* =========================
   4. Header & Navigation
   ========================= */

.nav-toggle {
  display: none;
  background: none;
  border: none;
  font-size: 40px;
  cursor: pointer;
  color: var(--primary-blue);
}

/* .site-header padding-left and padding-right removed to allow full width */
.site-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  position: sticky;
  top: 0;
  z-index: 1000;
  width: 100%;
  /* padding-left: var(--spacing-lg); */
  /* padding-right: var(--spacing-lg); */
  padding-top: 12px;
  padding-bottom: 12px;
  border-bottom: 1px solid #eee;
  background-color: var(--white);
  box-shadow: 0 1px 2px rgba(0,0,0,0.04);
  transition: padding 0.3s ease, background-color 0.3s ease, box-shadow 0.3s ease;
  will-change: padding, box-shadow;
  transform: none;
}

/* .site-header .content-wrapper removed to avoid restricting max-width */
/* .site-header .content-wrapper {
  max-width: 1440px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-left: var(--spacing-lg);
  padding-right: var(--spacing-lg);
} */


.site-header img {
  height: 80px;
  transition: all 0.3s ease;
}


.site-nav ul {
  display: flex;
  align-items: center;
  gap: 24px;
}

.site-nav li {
  list-style: none;
  position: relative;
}

.site-nav a,
.site-nav .dropdown > button.dropdown-trigger {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: #111;
  text-decoration: none;
  font-weight: 500;
  font-size: 16px;
  letter-spacing: 0.3px;
  padding: 8px 12px;
  background: none;
  border: none;
  cursor: pointer;
  line-height: 1;
  font-family: inherit;
  transition: color 0.2s ease;
  text-align: left;
}

.site-nav a:hover,
.site-nav .dropdown > button.dropdown-trigger:hover {
  color: var(--secondary-blue);
}

.dropdown {
  position: relative;
}

.dropdown-menu {
  display: none;
  opacity: 0;
  pointer-events: none;
  flex-direction: column;
  position: absolute;
  top: 100%;
  left: 0;
  width: max-content;
  background-color: var(--white);
  border-radius: 4px;
  box-shadow: 0 4px 12px rgba(0,0,0,0.1);
  padding: 10px 0;
  text-align: left;
  z-index: 999;
  transform: translateY(-10px);
  transition: all 0.3s ease;
}

.dropdown.open .dropdown-menu {
  display: block;
  opacity: 1;
  transform: translateY(0);
  pointer-events: auto;
}


.dropdown-menu a {
  color: #111;
  padding: 8px 12px;
  text-decoration: none;
  display: block;
  font-weight: 500;
  font-size: 16px;
  letter-spacing: 0.3px;
  transition: background-color 0.2s ease;
}
.dropdown-menu a:hover {
  background-color: var(--light-gray);
}

.dropdown-caret {
  display: inline-block;
  transition: transform 0.3s ease;
}
.dropdown.open .dropdown-caret {
  transform: rotate(180deg);
}

/* =========================
   5. Hero Section
   ========================= */

.hero {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  justify-content: center;
  position: relative;
  overflow: hidden;
  min-height: 75vh;
  z-index: 0;
  padding: var(--spacing-xl) var(--spacing-lg);
  text-align: center;
}
.hero .content-wrapper {
  padding-left: var(--spacing-lg);
  padding-right: var(--spacing-lg);
}
.hero > * {
  position: relative;
  z-index: 1;
}
.hero::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background-image: url('images/kelli-mcclintock-wBgAVAGjzFg-unsplash-1.jpg');
  background-size: cover;
  background-position: center;
  background-repeat: no-repeat;
  transform: scaleX(-1);
  opacity: 0.5;
  z-index: 0;
}

@media (max-width: 1024px) {
  .hero::before {
    background-position: 35% center;
  }
}

@media (max-width: 768px) {
  /* === About Advisor Section Mobile Refinement === */
  .about-advisor-section {
    padding: 20px 16px;
    display: flex;
    flex-direction: column;
    align-items: center;
    text-align: center;
  }
  .advisor-section-content {
    max-width: 600px;
    padding: 0;
  }
  .advisor-section-content img {
    max-width: 80%;
    height: auto;
    display: block;
    margin: 0 auto 16px auto;
  }
  .advisor-section-content h2,
  .advisor-section-content p {
    text-align: center;
  }
  .hero::before {
    background-position: 30% center;
  }
}
.hero-text {
  max-width: 900px;
  text-align: left;
  padding-left: var(--spacing-lg);
}
.hero h1 {
  font-family: var(--heading-font);
  font-size: 42px;
  font-weight: 500;
  color: var(--primary-blue);
  max-width: 800px;
  margin: 0 0 var(--spacing-sm) 0;
  line-height: 1.3;
  letter-spacing: -0.5px;
  text-align: left;
}
.hero h2 {
  font-family: var(--heading-font);
  padding-top: var(--spacing-xxl);
  font-weight: 300;
}
.hero p {
  font-family: var(--body-font);
  font-size: 20px;
  font-weight: 400;
  color: var(--dark-gray);
  max-width: 700px;
  margin: 0;
  line-height: 1.4;
  text-align: left;
  background-color: rgba(0, 68, 136, 0.05);
}

/* =========================
   About Page Hero Section
   ========================= */
/* =========================
   About Page Hero Section
   ========================= */
.about-hero {
  display: flex;
  align-items: flex-start;
  justify-content: center;
  background-image: url('images/mick-haupt-tJefy_Vu7Po-unsplash_cropped.jpg');
  background-size: cover;
  background-position: left center;
  background-repeat: no-repeat;
  padding: var(--spacing-xxl) var(--spacing-lg);
  text-align: left;
  min-height: 40vh;
}

.about-hero::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: linear-gradient(to right, rgba(255,255,255,0.92) 0%, rgba(255,255,255,0.72) 70%, rgba(255,255,255,0.4) 100%),
              url('images/mick-haupt-tJefy_Vu7Po-unsplash_cropped.jpg');
  background-size: cover;
  background-position: center left;
  background-repeat: no-repeat;
  z-index: 1;
}

.about-hero > * {
  position: relative;
  z-index: 2;
}
.about-hero .hero-text {
  max-width: 700px;
  padding-left: var(--spacing-xl);
  color: var(--primary-blue);
  text-align: left;
  margin-left: var(--spacing-xxl);
  margin-right: auto;
}
.about-hero h1 {
  font-family: var(--heading-font);
  font-size: 42px;
  line-height: 1.2;
  margin-bottom: var(--spacing-sm);
}
.about-hero p {
  font-size: var(--font-size-lg);
  color: #1a1a1a;
  text-shadow: 0 1px 2px rgba(255, 255, 255, 0.6);
}

@media (max-width: 768px) {
  /* About page hero – mobile */
  .about-hero {
    min-height: 55vh;
    padding: var(--spacing-xl) var(--spacing-sm);
    align-items: center;
    justify-content: center;
    text-align: center;
    background-position: 40% center;
  }
  .about-hero::before {
    /* Increase gradient opacity on mobile for readability */
    background: linear-gradient(to right, rgba(255,255,255,0.92) 0%, rgba(255,255,255,0.72) 70%, rgba(255,255,255,0.4) 100%),
                url('images/mick-haupt-tJefy_Vu7Po-unsplash_cropped.jpg');
    background-size: cover;
    background-position: 40% center;
    background-repeat: no-repeat;
  }
  .about-hero .hero-text {
    max-width: 100%;
    margin: 0;
    padding: 0 var(--spacing-sm);
    text-align: center;
  }
  .about-hero h1 {
    font-size: 32px;
    line-height: 1.2;
    letter-spacing: -0.3px;
    margin-bottom: var(--spacing-sm);
  }
  .about-hero p {
    font-size: var(--font-size-md);
    line-height: 1.5;
  }
}

/* =========================
   6. Prompt Section
   ========================= */

.prompt-section {
  position: relative;
  text-align: center;
  padding: calc(var(--spacing-xxl) * 2) 20px;
}
.prompt-icon {
  position: absolute;
  top: 100px;
  left: 50%;
  transform: translateX(-50%);
  width: 200px;
  opacity: 0.1;
  z-index: 0;
}
.prompt-heading,
.prompt-subheading,
.questions-grid {
  position: relative;
  z-index: 1;
}
.prompt-heading {
  font-size: var(--font-size-lg);
  font-weight: bold;
  margin-bottom: var(--spacing-xs);
  font-family: var(--heading-font);
}
.prompt-subheading {
  color: var(--secondary-blue);
  font-size: var(--font-size-xxl);
  font-family: var(--heading-font);
  margin-bottom: var(--spacing-lg);
}
.prompt-subheading.special-script {
  font-family: 'Brush Script MT', cursive;
}
.questions-grid {
  display: flex;
  justify-content: center;
  gap: var(--spacing-md);
  flex-wrap: wrap;
  align-items: stretch;
}
.question-box {
  display: flex;
  flex-direction: column;
  justify-content: flex-start;
  align-items: center;
  flex: 1 1 280px;
  max-width: 300px;
  min-height: 220px;
  padding: var(--spacing-md);
  padding-top: var(--spacing-xl);
  background-color: var(--white);
  border: 1px solid #ddd;
  border-radius: 6px;
  font-style: italic;
  text-align: center;
}
.question-icon {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 36px;
  height: 36px;
  background: #000;
  color: #fff;
  font-style: normal;
  font-weight: bold;
  border-radius: 50%;
  position: relative;
}
.question-box p {
  font-style: italic;
  font-size: var(--font-size-lg);
  margin: 0;
  text-align: center;
  padding-top: var(--spacing-md);
}

/* =========================
   7. Getting Started Section
   ========================= */

.getting-started {
  background-color: var(--light-gray);
  padding-top: var(--spacing-xxl);
  padding-bottom: var(--spacing-xxl);
  text-align: center;
}
.getting-started .content-wrapper {
  padding-left: var(--spacing-lg);
  padding-right: var(--spacing-lg);
  max-width: 1440px;
  margin: 0 auto;
}
.getting-started h2 {
  font-family: var(--heading-font);
  font-size: var(--font-size-xxl);
  font-weight: 400;
  margin-bottom: var(--spacing-lg);
}
.getting-started h2 em {
  font-style: italic;
  font-weight: 400;
}
.steps {
  display: flex;
  flex-direction: column;
  gap: var(--spacing-xl);
  max-width: 900px;
  margin: 0 auto;
}
.step {
  display: block;
  text-align: left;
}
.step h3 {
  font-size: var(--font-size-lg);
  font-weight: 400;
  font-family: var(--heading-font);
  margin-bottom: var(--spacing-xs);
}
.step p {
  font-family: var(--body-font);
  font-size: var(--font-size-base);
  color: var(--dark-gray);
}
.centered-button {
  margin-top: var(--spacing-xl);
  margin-bottom: 0;
  text-align: center;
}

/* =========================
   8. Advisor Section
   ========================= */

/* =========================
   Homepage Advisor Wrapper
   ========================= */
/* Remove the extra horizontal padding here for better balance */
.homepage-advisor-wrapper {
  display: flex;
  justify-content: space-between;
  align-items: center;
  max-width: 1200px;
  margin: 0 auto;
  gap: 60px;
  padding-left: 80px;
  padding-right: 80px;
  padding-top: 0;
  padding-bottom: 0;
}

/* About page advisor section */
/* Advisor Section: Vertically center image and text */
.about-advisor-section {
  min-height: 60vh;
  padding-bottom: 0;
  display: flex;
  align-items: center;
}
.about-advisor-content {
  display: flex;
  flex-direction: row;
  align-items: center;
  justify-content: space-between;
  gap: var(--spacing-xl);
  max-width: 1200px;
  margin: 0 auto;
  flex-wrap: wrap;
  padding-left: var(--spacing-xxl);
  padding-right: var(--spacing-xxl);
}
.about-advisor-text {
  flex: 1;
  text-align: left;
  max-width: 500px;
  height: 100%;
  padding-left: var(--spacing-lg);
  padding-right: var(--spacing-lg);
}
.about-advisor-text h2 {
  font-family: var(--heading-font);
  font-size: var(--font-size-xl);
  margin-bottom: var(--spacing-md);
}
.about-advisor-text p {
  font-family: var(--body-font);
  font-size: var(--font-size-base);
  color: var(--dark-gray);
  margin-bottom: var(--spacing-lg);
}
.about-advisor-image {
  position: static;
  margin: 0;
  padding: 0;
  display: flex;
  align-items: center;
  flex: 1;
  height: 100%;
}
.about-advisor-image img {
  display: block;
  height: auto;
  max-width: 100%;
  border-radius: 0;
  box-shadow: none;
  width: 100%;
  max-width: 350px;
  object-fit: contain;
  margin: 0;
  padding: 0;
  box-shadow: 8px 12px 20px rgba(0, 0, 0, 0.15);
  border-radius: 12px;
}


/* =========================
   9. CTA Section
   ========================= */

/* Overlapping secondary-cta above the footer */
.secondary-cta {
  position: relative;
  z-index: 20;
  margin-top: var(--spacing-xl);
  margin-bottom: -100px;
  background-color: #e8f0fa;
  border: 1px solid #c2d4e5;
  padding: var(--spacing-xl);
  border-radius: 0;
  box-shadow: 0 12px 32px rgba(0, 0, 0, 0.08);
}

@media (max-width: var(--bp-lg)) {
  .secondary-cta {
    border-radius: 0;
  }
}
.cta-container {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: var(--spacing-xl);
  flex-wrap: wrap;
  padding: 0 var(--spacing-xl);
  text-align: left;
  max-width: 1000px;
  margin-left: auto;
  margin-right: auto;
}
.cta-content {
  flex: 1;
  min-width: 300px;
}
.cta-content h2 {
  font-family: var(--heading-font);
  font-size: var(--font-size-lg);
  margin-bottom: var(--spacing-xs);
  color: var(--primary-blue);
}
.cta-content p {
  font-size: 13px;
  margin-bottom: var(--spacing-xs);
}
.form-row {
  display: flex;
  gap: 20px;
}
.form-group {
  display: flex;
  flex-direction: column;
  flex: 1;
}
.secondary-cta-form {
  display: grid;
  grid-template-columns: 1fr 1fr;
  column-gap: 20px;
  row-gap: 16px;
  max-width: 400px;
  margin-top: 12px;
}
.secondary-cta-form input {
  padding: 10px;
  font-size: 14px;
  border: 1px solid #ccc;
  border-radius: 4px;
}
.secondary-cta-form button {
  margin-top: 12px;
  grid-column: span 2;
  justify-self: start;
  max-width: 300px;
  width: 100%;
}
.secondary-cta-form #email-secondary {
  grid-column: span 2;
}


/* CTA Buttons */
.cta-button {
  display: inline-block;
  padding: 10px 20px;
  font-size: 14px;
  font-weight: 500;
  letter-spacing: 0.3px;
  text-decoration: none;
  border: 2px solid #000;
  border-radius: 9999px;
  color: #000;
  background-color: transparent;
  transition: background-color 0.2s ease, color 0.2s ease;
  cursor: pointer;
}
.cta-button.primary {
  background-color: var(--primary-blue);
  color: white;
  border-color: var(--primary-blue);
}
.cta-button.primary:hover {
  background-color: #022e5c;
  color: #fff;
}
.cta-button.secondary {
  background-color: transparent;
  color: #000;
  border-color: #000;
}
.cta-button.secondary:hover {
  background-color: var(--secondary-blue);
  color: #fff;
}

/* =========================
   10. Footer Section
   ========================= */

footer {
  background-color: var(--dark-gray);
  color: white;
  padding: var(--spacing-lg);
  font-family: var(--body-font);
}
footer .footer-logo {
  margin-bottom: 20px;
  max-width: 160px;
  height: auto;
}
footer p {
  font-size: 12px;
}
/* Consolidated anchor styles for footer links */
footer a,
.footer-column li a,
.footer-meta a {
  color: white;
  text-decoration: underline;
}
footer a:hover,
.footer-column li a:hover,
.footer-meta a:hover {
  color: var(--accent-gold);
}

/* Footer left column: use neutral system sans for cleaner look */
.footer-left,
.footer-left address,
.footer-left a,
.footer-left .footer-meta,
.footer-left .footer-meta * {
  font-family: system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  font-weight: 400;
  letter-spacing: 0.2px;
  line-height: 1.6;
}
footer li {
  color: white;
  font-size: 12px;
}
footer * {
  color: white;
}
.footer-main {
  max-width: 1200px;
  margin: 40px auto;
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 60px;
  flex-wrap: wrap;
  text-align: left;
}
.footer-contact-details {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 8px;
  font-size: 14px;
  font-style: normal;
  margin-top: 0;
  line-height: 1.6;
}
/* Footer disclosures block: match left/right padding to contact section */
.footer-disclosures {
  text-align: justify;
  max-width: 900px;
  margin-left: 0;
  margin-right: 0;
  padding-bottom: 40px;
  padding-top: 40px;
  padding-left: 0;
  padding-right: 0;
}
.footer-meta {
  font-size: 12px;
  color: white;
  text-align: left;
  padding-bottom: 20px;
  margin-top: 20px;
  width: 100%;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
}
.footer-meta p {
  font-size: 12px;
  margin-bottom: 10px;
  text-align: left;
}
.footer-meta ul {
  list-style: none;
  padding: 0;
  margin: 0;
}
.footer-meta li {
  margin-bottom: 6px;
}
.footer-nav {
  display: flex;
  justify-content: space-evenly;
  flex-wrap: wrap;
  gap: 60px;
  flex: 1;
  padding-top: 0px;
  justify-items: left;
}
.footer-column {
  display: flex;
  flex-direction: column;
  gap: 8px;
  min-width: 120px;
}
.footer-column h4 {
  font-size: 16px;
  font-weight: bold;
  margin-bottom: 8px;
  color: white;
}
.footer-column ul {
  list-style: none;
  padding-left: 0;
  margin-left: 0;
  margin: 0;
  text-align: left;
  margin-top: 8px;
}
.footer-column li {
  margin-bottom: 8px;
  padding-left: 0;
  margin-left: 0;
  text-align: left;
}
address {
  font-style: normal;
}
.post-footer-item.links li {
  text-align: right;
}
.footer-column li:nth-child(2) {
  margin-top: 12px;
}
/* Removed duplicate .footer-column li a and hover, .footer-meta a and hover, and footer a and hover blocks. */
.footer-container {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: var(--spacing-lg);
  width: 100%;
  padding: var(--spacing-lg);
}
.footer-left {
  flex: 1;
  min-width: 260px;
  max-width: 420px;
}
.footer-right {
  flex: 2;
  min-width: 280px;
  max-width: 720px;
}
.footer-disclosures p {
  font-size: 10px;
  margin-bottom: 16px;
  text-align: justify;
}
.footer-overlap {
  position: relative;
  z-index: 1;
  padding-top: 200px;
}

/* =========================
   11. Responsive tweaks for tablets (max-width: 1024px)
   ========================= */
@media (max-width: 1024px) {
  .site-container {
    padding-left: var(--spacing-sm);
    padding-right: var(--spacing-sm);
  }
  .site-header {
    flex-direction: row;
    align-items: center;
    justify-content: space-between;
  }
  .nav-toggle {
    display: block;
    margin-left: auto;
  }
  .site-nav {
    width: 100%;
    display: none;
  }
  .site-nav ul {
    flex-direction: column;
    gap: var(--spacing-xs);
    width: 100%;
    padding-left: 0;
    align-items: flex-start;
  }
  .site-nav li {
    width: 100%;
    display: block;
    text-align: left;
  }
  /* Mobile menu items (except CTA) */
  .site-nav a:not(.cta-button),
  .site-nav .dropdown > button.dropdown-trigger {
    display: block;
    width: 100%;
    padding: var(--spacing-xs) var(--spacing-md);
    border-top: 1px solid #eee;
    text-align: left;
  }
  .site-nav a.cta-button {
    display: block;
    width: 100%;
    padding: 14px 18px;
    margin: var(--spacing-md) 0 var(--spacing-xs);
    border: 2px solid #000;
    border-radius: 9999px;
    text-align: center;
    box-sizing: border-box;
  }
  .site-header.nav-open .site-nav {
    display: block;
    position: absolute;
    top: 100%;
    left: 0;
    width: 100%;
    height: 100vh;
    background-color: var(--white);
    z-index: 999;
    overflow-y: auto;
    padding: var(--spacing-lg) var(--spacing-sm);
  }
  .site-header .site-nav {
    display: none;
    flex-direction: column;
    align-items: flex-start;
    gap: var(--spacing-xs);
    padding: var(--spacing-sm);
    position: absolute;
    top: 100%;
    left: 0;
    width: 100%;
    background-color: var(--white);
    z-index: 999;
  }
  .hero {
    padding: var(--spacing-lg) var(--spacing-sm);
    align-items: flex-start;
    text-align: left;
  }
  .hero-text {
    padding-left: var(--spacing-xs);
    padding-right: var(--spacing-xs);
    text-align: left;
  }
  .hero h1 {
    font-size: 32px;
  }
  .hero h2 {
    padding-top: var(--spacing-lg);
    font-size: 20px;
  }
  .questions-grid {
    flex-direction: row;
    flex-wrap: wrap;
    justify-content: center;
  }
  .question-box {
    flex: 1 1 220px;
    max-width: 260px;
  }
  .homepage-advisor-section {
    /* The flex-direction and text-align are now managed by the wrapper */
    padding-left: var(--spacing-sm);
    padding-right: var(--spacing-sm);
    gap: var(--spacing-lg);
  }
  .homepage-advisor-wrapper {
    flex-direction: column;
    text-align: center;
    padding-left: var(--spacing-sm);
    padding-right: var(--spacing-sm);
    gap: var(--spacing-lg);
  }
  .homepage-advisor-content {
    flex-direction: column-reverse;
    gap: var(--spacing-sm);
    align-items: center;
    justify-content: center;
    padding: 0 var(--spacing-sm);
    text-align: center;
  }
  .homepage-advisor-photo {
    justify-content: center;
    align-items: center;
    display: flex;
    width: 100%;
  }
  .homepage-advisor-photo img {
    width: 70%;
    max-width: 240px;
    height: auto;
    margin-bottom: 0px;
    border-radius: 50%;
    object-fit: cover;
  }
  .getting-started h2 {
    font-size: 36px;
  }
  .step h3 {
    font-size: 22px;
  }
  .cta-button.primary,
  .cta-button.secondary {
    width: 100%;
    max-width: 320px;
  }
  /* Add padding for .getting-started on tablets */
  .getting-started {
    padding-left: var(--spacing-sm);
    padding-right: var(--spacing-sm);
  }
  @keyframes slideDown {
    0% {
      opacity: 0;
      transform: translateY(-20px);
    }
    100% {
      opacity: 1;
      transform: translateY(0);
    }
  }
  @keyframes slideUp {
    0% {
      opacity: 1;
      transform: translateY(0);
    }
    100% {
      opacity: 0;
      transform: translateY(-20px);
    }
  }
  .site-nav.menu-opening {
    display: block;
    animation: slideDown 0.3s ease-out forwards;
  }
  .site-nav.menu-closing {
    display: block;
    animation: slideUp 0.3s ease-in forwards;
  }
}

/* =========================
   Responsive tweaks for mid screens (max-width: 850px)
   ========================= */
@media (max-width: 850px) {
  .secondary-cta-form {
    display: grid;
    grid-template-columns: 1fr;
    gap: var(--spacing-xs);
    max-width: 100%;
    width: 100%;
    margin-top: var(--spacing-md);
  }
  .secondary-cta-form input,
  .secondary-cta-form button {
    width: 100%;
    font-size: var(--font-size-md);
  }
  .secondary-cta-form button {
    grid-column: span 1;
    justify-self: center;
  }
  .secondary-cta-form #email-secondary {
    grid-column: span 1;
  }
}

/* =========================
   Responsive tweaks for mobile (max-width: 768px)
   ========================= */
@media (max-width: 768px) {
  .footer-container {
    flex-direction: column;
  }
  .footer-left, .footer-right {
    max-width: 100%;
  }
  .cta-container {
    flex-direction: column;
    text-align: center;
    align-items: center;
    padding: 0 var(--spacing-sm);
    gap: var(--spacing-md);
  }
  .cta-image {
    width: 100%;
    display: flex;
    justify-content: center;
  }
  .cta-image img {
    max-width: 120px;
    width: auto;
    height: auto;
  }
  /* Add padding for .getting-started on mobile */
  .getting-started {
    padding-left: var(--spacing-sm);
    padding-right: var(--spacing-sm);
  }

  /* === LBS Section Mobile Layout === */
  .about-lbs-container {
    flex-direction: column-reverse;
    align-items: center;
    gap: var(--spacing-lg);
    padding-left: var(--spacing-sm);
    padding-right: var(--spacing-sm);
    text-align: center;
  }
  .about-lbs-image {
    justify-content: center;
    width: 100%;
  }
  .about-lbs-text {
    text-align: left;
    max-width: 100%;
  }
  /* === Footer mobile padding and justified text === */
  footer {
    padding-left: var(--spacing-md);
    padding-right: var(--spacing-md);
  }
  .site-footer .content-wrapper {
    padding-left: 0;
    padding-right: 0;
  }
  .site-footer .footer-container {
    padding-left: 0;
    padding-right: 0;
  }
  .site-footer .footer-left,
  .site-footer .footer-right {
    padding-left: 0;
    padding-right: 0;
  }
  .footer-disclosures {
    padding-left: 0;
    padding-right: 0;
    text-align: justify;
  }
}

/* =========================
   Responsive tweaks for small mobile (max-width: 600px)
   ========================= */
@media (max-width: 600px) {
  .secondary-cta-form {
    grid-template-columns: 1fr;
  }
  .secondary-cta-form button {
    grid-column: span 1;
  }
}

/* =========================
   Shared img style for consistent images
   ========================= */
/* 
img {
  height: auto;
  max-width: 100%;
}
*/

/* Section-specific overrides for images */
/* =========================
   Advisor Section (Shared Styles)
   ========================= */
.advisor-section {
  display: flex;
  align-items: center;
  justify-content: center;
  padding-top: 60px;
  padding-bottom: 60px;
  margin-top: 0;
  margin-bottom: 0;
}

.section.advisor-section,
.container.advisor-section {
  padding-top: 0 !important;
  padding-bottom: 0 !important;
  margin-top: 0 !important;
  margin-bottom: 0 !important;
}

.advisor-section h2,
.advisor-section p {
  margin-top: 1.25rem;
  margin-bottom: 1.25rem;
}

/* Circular image for homepage advisor section */
#index .advisor-photo img {
  width: 300px;
  height: 300px;
  border-radius: 50%;
  object-fit: cover;
}
.cta-image img {
  border-radius: 16px;
  object-fit: contain;
  width: 100%;
  max-width: 200px;
  height: auto;
}


/* =========================
   Start Here Page Styles
   ========================= */

/* Hero Section */
.start-hero {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  padding: var(--spacing-xxl) var(--spacing-lg);
  background-image: url('images/luemen-rutkowski-ZWbBxZ6zTwM-unsplash.jpg');
  background-size: cover;
  background-position: center;
  background-repeat: no-repeat;
  position: relative;
  z-index: 0;
}
/* Overlay for hero section */
.start-hero::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background: rgba(0, 0, 0, 0.4);
  z-index: 1;
  pointer-events: none;
}
.start-hero .content-wrapper.hero-content {
  display: flex;
  align-items: center;
  justify-content: flex-start;
  width: 100%;
  position: relative;
  z-index: 2;
  text-align: left;
  padding-right: 3rem;
}
.start-hero .hero-text {
  flex: 1;
  min-width: 300px;
  text-align: left;
  color: white;
}
.start-hero h1 {
  font-family: var(--heading-font);
  font-size: var(--font-size-xxl);
  color: white;
  margin-bottom: var(--spacing-sm);
  text-align: left;
}
.start-hero p {
  font-size: var(--font-size-lg);
  color: white;
  margin-bottom: var(--spacing-md);
  text-align: left;
}
/* Ensure CTA button in start-hero is high-contrast (white text, white border) */
.start-hero .cta-button {
  color: white;
  border: 2px solid white;
}
.start-hero .cta-button:hover {
  background-color: white;
  color: var(--primary-blue);
}

@media (max-width: var(--bp-md)) {
  .start-hero .content-wrapper.hero-content {
    flex-direction: column;
    align-items: center;
    justify-content: center;
    text-align: center;
    padding-right: 0;
    padding-left: 0;
  }
  .start-hero .hero-text,
  .start-hero h1,
  .start-hero p {
    text-align: center;
  }
}

/* Step Boxes Section */
.steps-overview {
  background-color: var(--white);
  padding: var(--spacing-xxl) var(--spacing-lg);
  text-align: center;
}
.step-boxes {
  display: flex;
  flex-wrap: wrap;
  gap: var(--spacing-lg);
  justify-content: center;
}
.step-box {
  flex: 1;
  min-width: 260px;
  max-width: 340px;
  background-color: var(--light-gray);
  padding: var(--spacing-lg);
  border-radius: 8px;
  text-align: left;
}
.step-box h3 {
  font-size: var(--font-size-lg);
  color: var(--primary-blue);
  margin-bottom: var(--spacing-sm);
  /* Use a neutral, modern sans-serif for headings in step boxes */
  font-family: system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  /* Normalize numeral styling to standard lining/tabular digits */
  font-variant-numeric: lining-nums tabular-nums;
  font-feature-settings: "lnum" 1, "tnum" 1;
  font-weight: 500;
  letter-spacing: 0.2px;
}
.step-box p {
  font-size: var(--font-size-base);
  color: var(--dark-gray);
}

/* Call-to-Action Banner */
.schedule-banner {
  background-color: var(--secondary-blue);
  color: white;
  text-align: center;
  padding: var(--spacing-xl) var(--spacing-lg);
}
.schedule-banner h2 {
  font-size: var(--font-size-xl);
  margin-bottom: var(--spacing-md);
  font-family: var(--heading-font);
}
.schedule-banner .cta-button.primary {
  background-color: var(--accent-gold);
  color: var(--dark-gray);
  margin-top: var(--spacing-md);
}

/* FAQ Accordion */
.faq-section {
  padding: var(--spacing-xxl) var(--spacing-lg);
}
.faq-section h2 {
  font-family: var(--heading-font);
  font-size: var(--font-size-xl);
  margin-bottom: var(--spacing-lg);
}
.faq-item {
  border-bottom: 1px solid #ccc;
  padding: var(--spacing-md) 0;
}
.faq-question {
  cursor: pointer;
  font-weight: bold;
  font-size: var(--font-size-md);
}
.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s ease;
  padding-top: var(--spacing-sm);
  font-size: var(--font-size-base);
  color: var(--dark-gray);
}

.faq-item.open .faq-answer {
  max-height: 300px; /* adjust as needed */
}

/* Soft CTA */
.soft-cta {
  background-color: var(--light-gray);
  padding: var(--spacing-xl) var(--spacing-lg);
  text-align: center;
}
.soft-cta h3 {
  font-size: var(--font-size-xl);
  color: var(--primary-blue);
  margin-bottom: var(--spacing-sm);
}

/* Updated questionnaire-box to wrap an inner white form box */
.questionnaire-box {
  background-color: #dff5e3;
  border: 1px solid #c2d4e5;
  border-radius: 12px;
  padding: 20px 40px;
  max-width: 900px;
  margin: 0 auto;
  box-shadow: 0 4px 12px rgba(0, 0, 0, 0.05);
}
.questionnaire-box .form-container {
  background-color: #ffffff;
  border-radius: 8px;
  padding: 40px;
  box-shadow: 0 2px 4px rgba(0, 0, 0, 0.04);
}
.step-heading {
  font-family: var(--heading-font);
  font-size: var(--font-size-xl);
  font-weight: 700;
  text-align: center;
  margin-bottom: var(--spacing-md);
  color: var(--primary-blue);
}

.pre-meeting-form {
  padding-top: 0px;
  padding-bottom: 20px;
  margin-top: var(--spacing-lg);
}
.calendar-title {
  font-size: 28px;
  font-family: var(--heading-font);
  color: var(--primary-blue);
  margin: 0;
  display: flex;
  align-items: center;
  justify-content: center;
}

.calendar-header-wrapper {
  display: flex;
  align-items: center;
  justify-content: center;
}

@media (max-width: 600px) {
  .calendar-embed iframe {
    width: 100%;
    max-width: 100%;
    margin: 0 auto;
    padding: 0;
    border-radius: 0;
    display: block;
    box-sizing: border-box;
  }

  .calendar-embed {
    padding: 0 16px 16px 16px;
    margin: 0;
    overflow-x: hidden;
    box-sizing: border-box;
  }

  /* Extend the green questionnaire-box background full width */
  .questionnaire-box {
    width: 100vw;
    margin-left: -50vw;
    left: 50%;
    position: relative;
    border-radius: 0;
    padding-left: 16px;
    padding-right: 16px;
    padding-top: 16px;
    padding-bottom: 16px;
    box-sizing: border-box;
  }

  .calendar-header-wrapper {
    padding-left: 16px;
    padding-right: 16px;
  }

  .pre-meeting-form .content-wrapper {
    padding-left: 0;
    padding-right: 0;
  }

  /* Optionally, ensure the parent section also extends full width */
  .pre-meeting-form {
    width: 100vw;
    margin-left: -50vw;
    left: 50%;
    position: relative;
  }
}
/* Add margin-bottom to .steps-overview h2 for spacing */
.steps-overview h2 {
  margin-bottom: var(--spacing-xl);
  font-family: system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  font-variant-numeric: lining-nums tabular-nums;
  font-feature-settings: "lnum" 1, "tnum" 1;
  font-weight: 600;
  letter-spacing: 0.2px;
}
/* Add margin-bottom for .schedule-banner p for spacing */
.schedule-banner p {
  margin-bottom: var(--spacing-xs);
}
/* Balanced Strategy Section Enhancements */
/* Home page advisor section (Balanced Strategy) */
.home-advisor-section.balanced-strategy {
  background-color: var(--light-gray);
  /* Make background full width */
  width: 100vw;
  position: relative;
  left: 50%;
  right: 50%;
  margin-left: -50vw;
  margin-right: -50vw;
  /* Add bottom border for mobile visual division */
  border-bottom: 1px solid #ddd;
}

.checklist {
  list-style: none;
  padding-left: 0;
  margin-top: var(--spacing-md);
}
.checklist li {
  margin-bottom: var(--spacing-xs);
  font-size: var(--font-size-base);
  line-height: 1.5;
  position: relative;
  padding-left: 24px;
}
.checklist li::before {
  content: "✔";
  position: absolute;
  left: 0;
  color: var(--primary-blue);
  font-weight: bold;
}
@media (max-width: var(--bp-md)) {
  .home-advisor-section.balanced-strategy .home-advisor-content {
    flex-direction: column;
    gap: var(--spacing-lg);
    text-align: center;
  }
  .home-advisor-section.balanced-strategy .advisor-photo img {
    margin-top: var(--spacing-lg);
  }
}
/* Add horizontal gap between about advisor text and image */
.about-advisor-content {
  column-gap: var(--spacing-xxl);
}
/* Add right margin to homepage advisor content */
.homepage-advisor-section .advisor-content {
  margin-right: 40px;
}
/* Update container padding for homepage advisor section for more side spacing */
.homepage-advisor-section .container {
  padding: 60px 80px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 60px;
}
/* === Force circle and override for homepage advisor photo === */
.homepage-advisor-photo img {
  width: 240px;
  height: 240px;
  border-radius: 50%;
  object-fit: cover;
  display: block;
}
/* === Enhanced spacing for homepage advisor section text content === */
.homepage-advisor-section .homepage-advisor-content h2 {
  margin-bottom: 1rem;
}
.homepage-advisor-section .homepage-advisor-content p {
  margin-bottom: 1.25rem;
}
/* Light background utility */
.bg-light {
  background-color: #f8f9fa;
}
/* Flexbox vertical centering for about advisor content */

@media (max-width: 768px) {
  .form-row {
    flex-direction: column;
    gap: var(--spacing-sm);
  }
}
@media (max-width: 400px) {
  .secondary-cta {
    padding-left: var(--spacing-sm);
    padding-right: var(--spacing-sm);
  }
}
@media (min-width: 1025px) and (orientation: landscape) {
  .secondary-cta {
    width: auto;
    max-width: 1000px;
    margin: var(--spacing-xl) auto;
    left: auto;
    right: auto;
    position: relative;
    border-radius: 8px;
    /* Remove negative margins that made it full-width */
    margin-left: auto;
    margin-right: auto;
    /* Overlap footer by extending downward */
    /* Remove default positive margin-bottom and set negative instead */
    /* margin-bottom: var(--spacing-xl); */
    margin-bottom: -100px;
    z-index: 20;
    box-shadow: 0 12px 32px rgba(0, 0, 0, 0.08);
  }
  .secondary-cta .cta-container {
    max-width: 1000px;
    margin-left: auto;
    margin-right: auto;
    justify-content: center;
    align-items: center;
  }
}
@media (max-width: 768px) {
  .about-advisor-section {
    display: flex;
    flex-direction: column;
    align-items: center;
    text-align: center;
    padding-left: var(--spacing-sm);
    padding-right: var(--spacing-sm);
  }
  .about-advisor-content {
    flex-direction: column;
    align-items: center;
    text-align: center;
    padding-left: var(--spacing-sm);
    padding-right: var(--spacing-sm);
    gap: var(--spacing-md);
  }
  .advisor-row {
    display: flex;
    flex-direction: column;
    align-items: center;
    text-align: center;
    width: 100%;
  }
  .about-advisor-image {
    order: 0;
    width: 100%;
    display: flex;
    justify-content: center;
    /* Add margin-top for spacing above the image on mobile */
    margin-top: var(--spacing-lg);
  }
  .about-advisor-image img {
    max-width: 300px;
    width: 100%;
    height: auto;
    margin-bottom: var(--spacing-md);
  }
  .about-advisor-text {
    order: 1;
    max-width: 100%;
    padding-left: 0;
    padding-right: 0;
    text-align: center;
  }
  .about-advisor-text p {
    max-width: 500px;
    margin-left: auto;
    margin-right: auto;
  }
}
/* === Homepage advisor text measure & alignment (mobile) === */
@media (max-width: 768px) {
  .homepage-advisor-section {
    padding-left: var(--spacing-xs);
    padding-right: var(--spacing-xs);
  }
  .homepage-advisor-wrapper {
    display: flex;
    flex-direction: column;
    align-items: center;
  }
  .homepage-advisor-photo {
    order: 0;
    margin-bottom: var(--spacing-md);
    margin-top: var(--spacing-lg);
  }
  .homepage-advisor-content {
    order: 1;
    /* Improve readability: left-align body text and limit measure */
    max-width: 60ch;
    margin-left: auto;
    margin-right: auto;
    text-align: left;
  }
  .homepage-advisor-content h2 {
    /* Keep the heading centered for balance */
    text-align: center;
    margin-bottom: var(--spacing-sm);
  }
  .homepage-advisor-content p {
    font-size: var(--font-size-md);
    line-height: 1.7;
    text-align: left;
  }
  .homepage-advisor-section .cta-button.primary {
    margin-top: var(--spacing-md);
    max-width: 320px;
    width: 100%;
  }
}
/* Accessible focus styles */
.cta-button:focus-visible,
.nav-toggle:focus-visible,
.site-nav a:focus-visible {
  outline: 3px solid var(--accent-gold);
  outline-offset: 2px;
}

@media (max-width: 768px) {
  .secondary-cta .cta-container {
    flex-direction: column;
    align-items: center;
    justify-content: center;
    text-align: center;
    padding: 0 var(--spacing-md);
  }
  .secondary-cta .cta-content {
    text-align: center;
    margin: 0 auto;
  }

  /* Center the Secondary CTA content and normalize spacing on mobile */
  .secondary-cta {
    padding: var(--spacing-lg) var(--spacing-md);
  }
  .secondary-cta .cta-container {
    max-width: 560px;
    margin-left: auto;
    margin-right: auto;
    padding-left: 0;
    padding-right: 0;
  }
  .secondary-cta .cta-content {
    min-width: 0; /* override desktop min-width */
    margin-left: auto;
    margin-right: auto;
    text-align: center;
  }
  .secondary-cta .secondary-cta-form {
    margin-left: auto;
    margin-right: auto;
  }
  .secondary-cta .cta-image {
    justify-content: center;
  }
}

@media (max-width: 600px) {
  .start-hero h1 {
    font-size: 28px;
    line-height: 1.3;
    word-break: break-word;
  }

  .start-hero .hero-text {
    padding-left: var(--spacing-sm);
    padding-right: var(--spacing-sm);
  }
}