*{box-sizing:border-box;margin:0;padding:0}
:root{--navy:#082d26;--navy2:#0d493c;--gold:#c69a2d;--gold2:#e0bb5b;--green:#13855b;--mint:#edf8f3;--cream:#f8f5ed;--ink:#12231f;--muted:#68756f;--white:#fff;--line:#e3e7e4}
html{scroll-behavior:smooth}
body{font-family:"DM Sans",Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.65;overflow-x:hidden}
a{text-decoration:none;color:inherit}
.nav{height:82px;padding:10px 5vw;display:flex;align-items:center;justify-content:space-between;position:sticky;top:0;background:rgba(255,255,255,.94);backdrop-filter:blur(18px);z-index:50;border-bottom:1px solid rgba(8,45,38,.08)}
.brand img{height:60px;width:auto;display:block;mix-blend-mode:multiply}
.nav nav{display:flex;gap:28px;align-items:center;font-size:13px;font-weight:700}
.nav nav a{position:relative;transition:.25s}
.nav nav a:not(.nav-cta):after{content:"";position:absolute;left:0;right:100%;bottom:-7px;height:2px;background:var(--gold);transition:.3s}
.nav nav a:hover{color:var(--green)}
.nav nav a:hover:after{right:0}
.nav-cta{padding:11px 19px;border-radius:999px;background:var(--navy);color:#fff!important;box-shadow:0 8px 22px rgba(8,45,38,.16)}
.nav-cta:hover{transform:translateY(-2px);background:var(--green)}
.menu{display:none;border:0;background:none;font-size:25px}

.hero{min-height:calc(100vh - 82px);padding:6vw 7vw;display:grid;grid-template-columns:1fr 1fr;gap:6vw;align-items:center;background:radial-gradient(circle at 10% 15%,#eef8f3 0,transparent 26%),linear-gradient(135deg,#fff 0,#faf8f1 100%);position:relative}
.hero-copy{position:relative;z-index:3}.eyebrow{font-size:11px;letter-spacing:3px;color:var(--green);font-weight:800;margin-bottom:18px}
.advisor-name{display:inline-block;font-size:11px;letter-spacing:1.8px;font-weight:800;color:var(--navy);background:#eaf5f0;border:1px solid #d7ebe2;padding:7px 12px;border-radius:999px;margin-bottom:22px}.advisor-name span{color:var(--gold);padding:0 6px}
.hero h1{font-family:"Playfair Display",serif;font-size:clamp(48px,6.4vw,86px);line-height:.99;letter-spacing:-2.5px}.hero h1 span{color:var(--gold)}
.lead{font-size:18px;color:var(--muted);max-width:620px;margin:27px 0 32px}
.actions{display:flex;gap:13px;flex-wrap:wrap}.btn{display:inline-flex;align-items:center;gap:10px;padding:14px 21px;border-radius:999px;font-weight:800;font-size:13px;transition:.3s;cursor:pointer}
.btn.primary{background:var(--navy);color:#fff;box-shadow:0 12px 28px rgba(8,45,38,.18)}.btn.primary:hover{transform:translateY(-4px);box-shadow:0 18px 35px rgba(8,45,38,.25);background:var(--green)}
.btn.secondary{border:1px solid #cfd8d4;background:#fff}.btn.secondary:hover{transform:translateY(-4px);border-color:var(--green);color:var(--green);box-shadow:0 12px 28px rgba(8,45,38,.08)}
.trust-row{display:flex;gap:30px;margin-top:48px;flex-wrap:wrap}.trust-row div{border-left:2px solid var(--gold);padding-left:12px}.trust-row strong,.trust-row small{display:block}.trust-row strong{font-size:13px}.trust-row small{color:var(--muted);font-size:11px}

.hero-visual{min-height:590px;position:relative}.hero-image{position:absolute;inset:0 0 0 8%;border-radius:34px;background:linear-gradient(180deg,rgba(8,45,38,.06),rgba(8,45,38,.3)),url("https://images.unsplash.com/photo-1551836022-d5d88e9218df?auto=format&fit=crop&w=1100&q=85") center/cover;box-shadow:0 30px 70px rgba(8,45,38,.18);transition:transform .7s}.hero-visual:hover .hero-image{transform:scale(1.015)}
.hero-visual:before{content:"";position:absolute;width:180px;height:180px;border:1px solid rgba(198,154,45,.5);border-radius:50%;top:-35px;right:-35px;z-index:0}.hero-visual:after{content:"";position:absolute;width:80px;height:80px;background:var(--gold);border-radius:50%;bottom:50px;left:0;opacity:.9;z-index:0}
.floating-card{position:absolute;background:rgba(255,255,255,.95);backdrop-filter:blur(10px);padding:16px 18px;border-radius:16px;box-shadow:0 18px 40px rgba(8,45,38,.16);z-index:4;transition:.3s}.floating-card:hover{transform:translateY(-7px)}.floating-card span{display:block;color:var(--green);font-size:10px;font-weight:800;letter-spacing:2px}.floating-card strong{display:block;font-family:"Playfair Display",serif;font-size:22px}.floating-card small{color:var(--muted);font-size:11px}.card-one{left:-18px;top:80px}.card-two{right:-18px;bottom:95px}.hero-badge{position:absolute;bottom:24px;left:30px;background:var(--navy);color:#fff;width:90px;height:90px;border-radius:50%;display:grid;place-items:center;text-align:center;font-family:"Playfair Display",serif;font-size:23px;line-height:.8;z-index:5;box-shadow:0 15px 30px rgba(8,45,38,.2)}.hero-badge small{font:700 6px "DM Sans";letter-spacing:1px;color:#d9b755}

.quote-band{padding:48px 9vw;background:var(--navy);color:#fff;text-align:center;position:relative}.quote-mark{font-family:"Playfair Display";font-size:80px;color:var(--gold);height:45px}.quote-band blockquote{font:600 clamp(23px,3vw,38px) "Playfair Display";max-width:900px;margin:0 auto 12px;line-height:1.25}.quote-band span{font-size:11px;letter-spacing:2px;color:#b9ccc5}

.section{padding:115px 7vw}.section-label{font-size:10px;letter-spacing:3px;color:var(--green);font-weight:800;margin-bottom:50px}
.about{background:#fff}.about-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:8vw;align-items:center}.about-photo{min-height:520px;border-radius:28px;background:url("https://images.unsplash.com/photo-1529156069898-49953e39b3ac?auto=format&fit=crop&w=1000&q=85") center/cover;box-shadow:0 25px 60px rgba(8,45,38,.14)}.about-copy h2{font:600 clamp(38px,4.7vw,65px) "Playfair Display";line-height:1.08;margin-bottom:25px}.about-copy h2 em{color:var(--gold);font-style:normal}.about-copy p:not(.eyebrow){color:var(--muted);font-size:16px;max-width:610px;margin-bottom:18px}.text-link{font-weight:800;display:inline-block;margin-top:12px;border-bottom:2px solid var(--gold);padding-bottom:5px;transition:.25s}.text-link:hover{color:var(--green);transform:translateX(5px)}

.services{background:var(--cream)}.section-heading{display:flex;justify-content:space-between;align-items:end;gap:40px;margin-bottom:45px}.section-heading h2{font:600 clamp(40px,5vw,70px) "Playfair Display";line-height:1.02}.section-heading h2 em{color:var(--gold);font-style:normal}.section-heading>p{max-width:340px;color:var(--muted)}
.service-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}.service-card{min-height:390px;border-radius:24px;overflow:hidden;position:relative;color:#fff;box-shadow:0 10px 30px rgba(8,45,38,.08);isolation:isolate}.service-card .service-image{position:absolute;inset:0;background-position:center;background-size:cover;transition:transform .65s}.insurance-card .service-image{background-image:url("https://images.unsplash.com/photo-1521791055366-0d553872125f?auto=format&fit=crop&w=1100&q=85")}.investment-card .service-image{background-image:url("https://images.unsplash.com/photo-1579621970563-ebec7560ff3e?auto=format&fit=crop&w=1100&q=85")}.retirement-card .service-image{background-image:url("https://images.unsplash.com/photo-1556761175-b413da4baf72?auto=format&fit=crop&w=1100&q=85")}.education-card .service-image{background-image:url("https://images.unsplash.com/photo-1498243691581-b145c3f54a5a?auto=format&fit=crop&w=1100&q=85")}.service-overlay{position:absolute;inset:0;background:linear-gradient(180deg,rgba(8,45,38,.08),rgba(8,45,38,.88));z-index:1}.service-content{position:absolute;inset:auto 28px 28px;z-index:2}.service-content span{font-size:10px;letter-spacing:2px;color:#e1c05d;font-weight:800}.service-content h3{font:600 34px "Playfair Display";margin:7px 0}.service-content p{color:#e4eeea;max-width:460px;font-size:14px;margin-bottom:18px}.service-content b{font-size:12px;letter-spacing:.3px}.service-card:hover .service-image{transform:scale(1.08)}.service-card:hover{box-shadow:0 22px 50px rgba(8,45,38,.22);transform:translateY(-6px)}

.image-quote{display:grid;grid-template-columns:1fr 1fr;min-height:520px;background:var(--navy);color:#fff}.image-quote-photo{background:url("https://images.unsplash.com/photo-1554224155-8d04cb21cd6c?auto=format&fit=crop&w=1200&q=85") center/cover;min-height:420px}.image-quote-copy{padding:80px 8vw;display:flex;flex-direction:column;justify-content:center}.image-quote-copy h2{font:600 clamp(36px,4vw,58px) "Playfair Display";line-height:1.08;margin:5px 0 22px}.image-quote-copy>p:not(.eyebrow){color:#bfd0ca;max-width:550px;margin-bottom:28px}.light-btn{background:#fff;color:var(--navy)}.light-btn:hover{transform:translateY(-4px);box-shadow:0 15px 30px rgba(0,0,0,.18)}

.why{background:#fff}.why-grid{display:grid;grid-template-columns:1fr 1fr;gap:9vw}.why h2{font:600 clamp(38px,4.5vw,64px) "Playfair Display";line-height:1.08}.why h2 span{color:var(--gold)}.points>div{display:grid;grid-template-columns:45px 1fr;gap:18px;padding:24px 0;border-bottom:1px solid var(--line);transition:.25s}.points>div:hover{padding-left:8px}.points b{color:var(--gold);font-size:11px}.points h3{font-size:17px;margin-bottom:4px}.points p{font-size:13px;color:var(--muted)}
.mini-quote{padding:75px 8vw;text-align:center;background:#f4efe1}.mini-quote p{font:600 clamp(26px,3.5vw,44px) "Playfair Display";max-width:1000px;margin:auto;color:var(--navy)}

.contact{background:linear-gradient(135deg,var(--navy),#0d5948);color:#fff;padding:105px 7vw}.contact-inner{max-width:1200px;margin:auto}.contact h2{font:600 clamp(45px,6vw,80px) "Playfair Display";line-height:1.02}.contact-inner>p:not(.eyebrow){color:#c4d3ce;font-size:17px;max-width:720px;margin:20px 0 30px}.contact-actions{display:flex;gap:12px;flex-wrap:wrap}.outline-light{border:1px solid rgba(255,255,255,.35);color:#fff}.outline-light:hover{background:#fff;color:var(--navy);transform:translateY(-3px)}
.contact-details{display:grid;grid-template-columns:1fr 1.3fr 1.5fr 1.6fr;gap:28px;margin-top:58px;padding-top:28px;border-top:1px solid rgba(255,255,255,.14)}.contact-details small{display:block;color:#d9b755;letter-spacing:2px;font-size:9px;margin-bottom:7px}.contact-details a{display:block;margin:3px 0}.address p{color:#c4d3ce;font-size:12px;line-height:1.7}

footer{padding:28px 7vw;display:flex;align-items:center;justify-content:space-between;gap:20px;color:#6c7772;font-size:12px;background:#fff}footer img{height:44px;width:auto;mix-blend-mode:multiply}footer a{font-weight:800;color:var(--green)}footer a:hover{color:var(--gold)}

.reveal{opacity:0;transform:translateY(18px);animation:reveal .8s ease forwards}.hero-copy.reveal{animation-delay:.08s}.hero-visual.reveal{animation-delay:.18s}@keyframes reveal{to{opacity:1;transform:none}}
@media(max-width:900px){.nav{height:72px}.brand img{height:50px}.nav nav{display:none;position:absolute;top:72px;left:0;right:0;background:#fff;padding:20px 7vw;flex-direction:column;align-items:flex-start;gap:18px;border-bottom:1px solid #eee}.nav nav.open{display:flex}.menu{display:block}.hero{grid-template-columns:1fr;padding:70px 7vw}.hero-visual{min-height:500px;margin-top:10px}.hero-image{left:0}.card-one{left:12px}.card-two{right:12px}.about-grid,.why-grid,.image-quote{grid-template-columns:1fr}.about-photo{min-height:420px}.section{padding:85px 7vw}.section-heading{display:block}.section-heading>p{margin-top:20px}.service-grid{grid-template-columns:1fr}.image-quote-photo{min-height:330px}.contact-details{grid-template-columns:1fr 1fr}}
@media(max-width:600px){.hero h1{font-size:50px}.hero-visual{min-height:410px}.floating-card{padding:12px}.floating-card strong{font-size:18px}.card-one{top:40px}.card-two{bottom:45px}.hero-badge{left:18px;bottom:14px;width:74px;height:74px;font-size:19px}.trust-row{gap:16px}.contact-details{grid-template-columns:1fr}.quote-band{padding:38px 7vw}.quote-band blockquote{font-size:24px}footer{flex-direction:column;align-items:flex-start}}