:root{--green:#14492E;--green-d:#0E3220;--gold:#C49A2E;--gold-d:#A9831F;--cream:#F5F2EA;--ink:#23271F;--soft:#5A6157;--line:#E4E0D4;--white:#fff}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,'Helvetica Neue',Arial,sans-serif;color:var(--ink);line-height:1.6;background:var(--white);-webkit-font-smoothing:antialiased}
h1,h2,h3,.serif{font-family:Fraunces,Georgia,'Times New Roman',serif;font-weight:600;color:var(--green);line-height:1.15;margin:0 0 .4em}
h1{font-size:clamp(2rem,4.4vw,3.2rem)}h2{font-size:clamp(1.5rem,3vw,2.2rem)}h3{font-size:1.2rem}
p{margin:0 0 1em}a{color:var(--green);text-decoration:none}
.container{max-width:1120px;margin:0 auto;padding:0 24px}
.eyebrow{font-size:.78rem;letter-spacing:.13em;text-transform:uppercase;font-weight:700;color:var(--gold);margin-bottom:.5em}
.section{padding:72px 0}.section.tight{padding:52px 0}
.lead{font-size:1.18rem;color:var(--soft)}
.btn{display:inline-block;padding:14px 26px;border-radius:8px;font-weight:700;font-size:.98rem;cursor:pointer;border:2px solid transparent;transition:.18s;font-family:Inter,Arial,sans-serif}
.btn-primary{background:var(--gold);color:var(--green-d);border-color:var(--gold)}
.btn-primary:hover{background:var(--gold-d);border-color:var(--gold-d);color:#fff}
.btn-ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.6)}
.btn-ghost:hover{background:rgba(255,255,255,.12)}
.btn-outline{background:transparent;color:var(--green);border-color:var(--green)}
.btn-outline:hover{background:var(--green);color:#fff}
.btnrow{display:flex;gap:14px;flex-wrap:wrap;margin-top:8px}
/* header */
header.site{position:sticky;top:0;z-index:50;background:#fff;border-bottom:1px solid var(--line)}
.bar{display:flex;align-items:center;justify-content:space-between;gap:18px;padding:12px 24px;max-width:1180px;margin:0 auto}
.bar img{height:46px;width:auto;display:block}
nav.main{display:flex;align-items:center;gap:20px;flex-wrap:wrap}
nav.main a{color:var(--ink);font-size:.93rem;font-weight:600}
nav.main a:hover,nav.main a.active{color:var(--gold-d)}
.navcta{display:flex;align-items:center;gap:16px}
.phone{font-weight:700;color:var(--green);font-size:.95rem;white-space:nowrap}
.ext::after{content:" \2197";color:var(--gold-d);font-size:.85em}
.menu-toggle{display:none}
/* hero */
.hero{background:linear-gradient(160deg,var(--green) 0%,var(--green-d) 100%);color:#fff;padding:84px 0 76px}
.hero h1{color:#fff;max-width:18ch}.hero .eyebrow{color:var(--gold)}
.hero p{color:rgba(255,255,255,.9);font-size:1.18rem;max-width:54ch}
.hero .tag{font-family:Fraunces,Georgia,serif;font-style:italic;color:var(--gold);font-size:1.25rem;margin:.2em 0 1em}
.trustbar{background:var(--green-d);color:rgba(255,255,255,.92)}
.trustbar .container{display:flex;flex-wrap:wrap;gap:10px 34px;padding-top:16px;padding-bottom:16px;font-size:.9rem;font-weight:600}
.trustbar span{display:flex;align-items:center;gap:8px}.trustbar b{color:var(--gold)}
/* sections */
.bg-cream{background:var(--cream)}.center{text-align:center}.center .lead{margin-left:auto;margin-right:auto;max-width:60ch}
.grid{display:grid;gap:22px;margin-top:34px}
.g2{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(3,1fr)}.g4{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:12px;padding:26px}
.card.on-cream{background:#fff}
.card h3{margin-bottom:.35em}.card .k{font-family:Fraunces,Georgia,serif;font-size:1.5rem;color:var(--gold-d);font-weight:600}
.num{font-family:Fraunces,Georgia,serif;color:var(--gold-d);font-weight:600;font-size:1.1rem;opacity:.8}
.pillar{border-top:4px solid var(--gold)}
/* annuity strip */
.strip{background:var(--green);color:#fff;border-radius:14px;padding:30px 34px;display:flex;align-items:center;justify-content:space-between;gap:24px;flex-wrap:wrap}
.strip h3{color:#fff;margin:0 0 .25em}.strip p{margin:0;color:rgba(255,255,255,.85);max-width:62ch;font-size:.95rem}
.micro{font-size:.8rem;color:var(--soft);margin-top:14px}
.strip .micro{color:rgba(255,255,255,.7);margin-top:8px}
/* steps */
.steps{counter-reset:s;display:grid;gap:18px;grid-template-columns:repeat(4,1fr);margin-top:30px}
.step{background:#fff;border:1px solid var(--line);border-radius:12px;padding:24px 22px}
.step::before{counter-increment:s;content:"0" counter(s);font-family:Fraunces,serif;font-size:1.6rem;color:var(--gold);font-weight:600}
/* stats */
.stats{display:flex;flex-wrap:wrap;gap:20px;justify-content:space-between;text-align:center}
.stat{flex:1;min-width:150px}.stat b{display:block;font-family:Fraunces,serif;font-size:2.1rem;color:var(--green)}
.stat span{font-size:.85rem;color:var(--soft);text-transform:uppercase;letter-spacing:.06em}
/* forms */
form.wk{max-width:560px;margin-top:22px}
.field{margin-bottom:14px}.field label{display:block;font-weight:600;font-size:.9rem;margin-bottom:5px}
.field input,.field textarea,.field select{width:100%;padding:12px 14px;border:1px solid var(--line);border-radius:8px;font-size:1rem;font-family:inherit}
.field input:focus,.field textarea:focus{outline:2px solid var(--gold)}
.hp{position:absolute;left:-5000px}
/* cta band */
.ctaband{background:linear-gradient(160deg,var(--green) 0%,var(--green-d) 100%);color:#fff;text-align:center}
.ctaband h2{color:#fff}.ctaband p{color:rgba(255,255,255,.9);max-width:60ch;margin-left:auto;margin-right:auto}
.contactline{display:flex;gap:10px 30px;justify-content:center;flex-wrap:wrap;margin-top:16px;font-weight:600}
.contactline a{color:#fff}
/* footer */
footer.site{background:var(--green-d);color:rgba(255,255,255,.8);padding:54px 0 30px;font-size:.9rem}
footer.site a{color:rgba(255,255,255,.85)}footer.site a:hover{color:var(--gold)}
.fgrid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:30px;margin-bottom:28px}
footer.site h4{color:#fff;font-family:Inter,Arial,sans-serif;font-size:.82rem;letter-spacing:.08em;text-transform:uppercase;margin:0 0 12px}
footer.site ul{list-style:none;padding:0;margin:0}footer.site li{margin-bottom:8px}
.disc{border-top:1px solid rgba(255,255,255,.18);padding-top:18px;font-size:.74rem;line-height:1.6;color:rgba(255,255,255,.6)}
.footlogo{height:42px;margin-bottom:12px;background:#fff;padding:6px 10px;border-radius:6px}
@media(max-width:860px){
 .g4,.g3,.steps{grid-template-columns:repeat(2,1fr)}.g2{grid-template-columns:1fr}.fgrid{grid-template-columns:1fr}
 nav.main{display:none;width:100%;flex-direction:column;align-items:flex-start;gap:12px;padding:12px 0}
 nav.main.open{display:flex}.bar{flex-wrap:wrap}.menu-toggle{display:inline-block;background:none;border:0;font-size:1.6rem;color:var(--green);cursor:pointer}
 .navcta .phone{display:none}
}
@media(max-width:560px){.g4,.g3,.steps{grid-template-columns:1fr}}