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@media(max-width:640px){body{font-size:16px}.wrap{width:calc(100% - 40px)}.masthead{height:76px}.brand-mark{width:29px;height:36px}.brand-name{font-size:20px}.brand-name small{font-size:8px;letter-spacing:.19em;margin-top:6px}.brand{gap:8px}.nav-tools{gap:16px}.access{font-size:10px;gap:7px}.access svg{width:13px;height:13px}.menu-toggle{width:36px}.mobile-nav{top:76px;padding:27px 20px}.hero{padding-top:32px}.hero-grid{display:flex;flex-direction:column;gap:27px;align-items:stretch}.hero-copy{padding:0}.hero-copy h1{font-size:clamp(39px,10.6vw,62px);margin:22px 0}.hero-copy>p{font-size:13px;max-width:350px;line-height:1.9}.hero-actions{gap:22px;margin-top:25px;flex-wrap:wrap}.hero-actions .btn{min-height:51px;font-size:11px;padding:15px 17px;gap:23px}.hero-actions .text-link{font-size:11px}.hero-meta{display:flex;flex-wrap:wrap;gap:14px;margin-top:25px;font-size:8px}.hero-meta span+span{margin-top:0}.hero-meta svg{width:12px;height:12px}.hero-visual{min-height:350px}.hero-visual>img{object-position:50% center}.hero-seal{bottom:42px;width:137px;padding:17px 20px}.hero-seal svg{width:23px;height:23px}.hero-seal strong{font-size:14px}.hero-seal small{font-size:7px}.photo-tag{left:18px;top:18px;padding:9px 12px;font-size:8px}.photo-caption{font-size:8px;left:18px;bottom:15px;max-width:185px}.audience-strip{margin-top:23px}.audience-strip>a{padding:20px 9px;font-size:10px;gap:7px;line-height:1.6}.audience-strip>a svg{width:15px;height:15px}.audience-strip>a:first-of-type{padding-left:0}.section{padding:67px 0}.section-head{display:block;margin-bottom:33px}.section-head .eyebrow{margin-bottom:20px}.section-head p{font-size:13px;line-height:1.9;margin-top:25px}.section-head .end{margin-top:22px}.service-grid{grid-template-columns:1fr;gap:38px}.service-card{padding-top:20px}.service-card .num{margin-bottom:22px}.service-card h3{font-size:27px}.service-card p{min-height:auto;font-size:13px;max-width:none}.service-card .text-link{margin-top:18px}.approach{padding:60px 0}.approach-top{display:block}.approach h2{font-size:38px}.approach-top>p{max-width:100%;margin-top:24px;font-size:13px}.tabs{gap:7px;margin-top:28px;flex-wrap:wrap}.tab{min-height:46px;padding:12px 15px;font-size:11px}.path-panel{grid-template-columns:1fr;gap:30px;min-height:0}.path-panel h3{font-size:26px}.path-panel p{font-size:12px}.path-list li{font-size:11px;padding:16px 0}.promise-layout{grid-template-columns:1fr;gap:35px}.promise-title h2{margin-top:20px}.promise-title p{max-width:100%;font-size:13px}.principle p{font-size:12px}.principle h3{font-size:21px}.quote-block{padding:48px 0}.quote-layout{grid-template-columns:1fr;gap:24px}.quote-block blockquote{font-size:29px}.quote-block figcaption{font-size:10px;line-height:1.8}.cta-band{padding:49px 0}.cta-inner{display:block}.cta-inner h2{font-size:36px}.cta-inner p{font-size:12px}.cta-inner .btn{margin-top:27px;font-size:11px}.footer{padding-top:48px}.footer-grid{grid-template-columns:1fr 1fr;gap:32px 22px}.footer-grid>div:first-child{grid-column:1/-1}.footer-grid>div:last-child{grid-column:1/-1}.footer p{max-width:300px}.footer a:not(.brand){font-size:11px;min-height:40px}.footer-bottom{font-size:8px;line-height:1.8;flex-wrap:wrap;margin-top:28px}.inner-hero{padding:35px 0 37px}.breadcrumb{margin-bottom:30px;font-size:9px}.inner-heading{grid-template-columns:1fr;gap:26px}.inner-heading h1{font-size:clamp(39px,10.8vw,58px);margin-top:18px}.inner-heading p{font-size:13px;max-width:none}.horizontal-image{height:290px}.horizontal-image img{object-position:center}.horizontal-image figcaption{font-size:8px;left:15px;bottom:15px;max-width:280px}.stats{grid-template-columns:1fr}.stat{padding:27px 0}.stat+.stat{border-left:0;border-top:1px solid var(--line);padding:27px 0}.stat strong{font-size:36px}.stat small{font-size:10px;line-height:1.8;max-width:290px}.split,.planner-layout,.contact-layout{grid-template-columns:1fr;gap:35px}.split>div>p{font-size:13px}.split h2{margin-top:20px}.planner{padding:57px 0}.planner-card{padding:24px 20px}.planner-fields{grid-template-columns:1fr;gap:20px}.planner-card select{font-size:16px;min-height:52px}.planner-card label{font-size:11px}.planner-actions{display:block}.planner-actions .copy{display:block;margin-top:15px}.planner-result h3{font-size:23px}.planner-result p{font-size:12px}.faq h2{font-size:35px}.faq summary{font-size:13px;padding:23px 0}.faq details p{font-size:12px;padding-right:10px}.feature-band{padding:58px 0}.broker-profile{padding:28px}.profile-monogram{font-size:90px}.region-hub{padding:30px 23px}.region-hub h2{font-size:36px}.region-hub p{font-size:12px}.region-content{grid-template-columns:1fr;gap:35px;margin-top:30px}.region-content h3{font-size:28px}.region-diagram{height:200px}.region-hub .tab{padding-inline:19px}.resource-grid{grid-template-columns:1fr;gap:15px}.resource{padding:27px;min-height:0}.resource svg{margin-bottom:22px}.contact-big{font-size:31px}.contact-address{padding:30px}.contact-address address{font-size:17px}.dialog-inner{padding:29px 24px}.dialog-title h2{font-size:32px}.dialog-intro{font-size:12px}.portal-link strong{font-size:16px}.portal-link small{font-size:10px}.not-found{padding:65px 0}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{animation:none!important;transition:none!important}.btn:hover{transform:none}}

@media(max-width:640px){.hero-copy>p{font-size:14px}.hero-actions{gap:15px}.hero-actions .btn{font-size:12px;gap:17px}.hero-actions .text-link{font-size:12px;gap:12px}.section-head p,.service-card p,.promise-title p,.inner-heading p,.split>div>p,.planner-layout>div>p{font-size:14px}.principle p,.list-rows p,.path-panel p,.resource p,.contact-card p,.faq details p{font-size:13px}}
/* Contact is always visible; retain the existing client access control. */
.header-contact{display:inline-flex;align-items:center;justify-content:center;gap:14px;min-height:44px;padding:12px 16px;background:var(--navy);color:white;font-size:12px;font-weight:600;line-height:1.3;white-space:nowrap;transition:background .2s}
.header-contact svg{width:16px;height:16px;fill:none;stroke:currentColor;stroke-width:1.5}
.header-contact:hover{background:#285775}
.quote-layout>div h2{font-size:clamp(32px,3.4vw,46px);margin:16px 0 20px}
@media(min-width:961px) and (max-width:1180px){.masthead-inner{gap:20px}.nav{gap:16px}.nav-tools{gap:14px}.header-contact{font-size:11px;padding-inline:13px}}
@media(max-width:640px){
 .masthead{height:120px}
 .masthead-inner{display:grid;grid-template-columns:1fr auto auto;grid-template-rows:64px 44px;column-gap:8px;row-gap:0;padding-block:6px}
 .masthead-inner>.brand{grid-column:1;grid-row:1}
 .nav-tools{display:contents}
 .nav-tools>.access{grid-column:2;grid-row:1}
 .nav-tools>.menu-toggle{grid-column:3;grid-row:1}
 .header-contact{grid-column:1/-1;grid-row:2;width:100%;justify-content:space-between;padding:12px 16px;font-size:13px}
 .mobile-nav{top:120px}
 html{scroll-padding-top:140px}
 .hero-copy>p{font-size:16px;line-height:1.6}
 .quote-layout>div h2{font-size:32px}
}
@media(max-width:360px){.masthead .brand-name{font-size:18px}.masthead .brand-name small{font-size:7px;letter-spacing:.12em}.masthead .brand-mark{width:25px}}