:root{--navy: #1a2744;--slate: #334155;--gold: #b8952a;--gold-light: rgba(184,149,42,.08);--cream: #f9f7f3;--white: #ffffff;--gray: #64748b;--dark: #0f1724;--light-border: #e2e0db}*{margin:0;padding:0;box-sizing:border-box}body{font-family:DM Sans,sans-serif;color:var(--navy);background:var(--cream)}.page-nav{max-width:1100px;margin:0 auto;padding:28px 40px;display:flex;justify-content:space-between;align-items:center}.logo{font-family:Lora,serif;font-size:1.2rem;font-weight:700;color:var(--navy)}.logo span{color:var(--gold);font-weight:500}.nav-links{display:flex;align-items:center;gap:28px}.nav-link{color:var(--slate);text-decoration:none;font-size:.9rem;font-weight:500;transition:color .2s}.nav-link:hover{color:var(--navy)}.btn-nav{background:var(--navy);color:var(--white);padding:12px 28px;border-radius:8px;text-decoration:none;font-weight:600;font-size:.9rem;transition:all .3s}.btn-nav:hover{background:var(--dark)}.hero{max-width:1100px;margin:0 auto;padding:60px 40px 100px;display:grid;grid-template-columns:1.1fr 1fr;gap:80px;align-items:center}.hero-text{animation:fadeInUp .7s ease both}.fiduciary-badge{display:inline-block;background:var(--gold-light);border:1px solid rgba(184,149,42,.2);padding:10px 20px;border-radius:8px;font-size:.85rem;font-weight:600;color:var(--gold);letter-spacing:.04em;margin-bottom:28px}h1{font-family:Lora,serif;font-size:clamp(2rem,4vw,3rem);font-weight:700;line-height:1.2;color:var(--navy);margin-bottom:20px;letter-spacing:-.01em}h1 span{background:linear-gradient(180deg,transparent 60%,rgba(184,149,42,.15) 60%);padding:0 4px}.hero-sub{font-size:1.08rem;color:var(--gray);line-height:1.75;margin-bottom:36px;max-width:500px}.hero-ctas{display:flex;align-items:center;gap:20px;flex-wrap:wrap}.btn-primary{background:var(--gold);color:var(--white);padding:16px 36px;border:none;border-radius:8px;font-family:DM Sans,sans-serif;font-size:1rem;font-weight:600;cursor:pointer;transition:all 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h3{font-family:Lora,serif;font-size:1rem;font-weight:600}.badge-sm{background:#e8f5e9;color:#2e7d32;padding:4px 12px;border-radius:100px;font-size:.75rem;font-weight:600}.metric-row{display:flex;justify-content:space-between;align-items:center;padding:12px 0;border-bottom:1px solid #f0ede8}.metric-row:last-of-type{border:none}.metric-label{font-size:.88rem;color:var(--gray)}.metric-value{font-family:Lora,serif;font-weight:700;font-size:1rem;color:var(--navy)}.metric-value.positive{color:#2e7d32}.chart-bar-container{margin-top:20px;padding-top:20px;border-top:1px solid var(--light-border)}.chart-label{font-size:.78rem;color:var(--gray);margin-bottom:12px;font-weight:600;text-transform:uppercase;letter-spacing:.05em}.chart-bars{display:flex;gap:6px;align-items:flex-end;height:70px}.chart-bars div{flex:1;background:#b8952a26;border-radius:4px 4px 0 0;transition:background .3s}.chart-bars div:nth-child(odd){background:var(--navy);opacity:.12}.chart-bars 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rgba(184,149,42,.25)}.fee-them{background:#ffffff0a;border:1px solid rgba(255,255,255,.08)}.fee-col h4{font-family:Lora,serif;font-size:1.05rem;margin-bottom:18px;font-weight:700}.fee-col ul{list-style:none}.fee-us ul li{padding:8px 0;font-size:.9rem;color:#fffc;display:flex;align-items:center;gap:10px}.fee-us ul li:before{content:"✓";width:22px;height:22px;background:#b8952a33;color:var(--gold);border-radius:6px;display:flex;align-items:center;justify-content:center;font-size:.7rem;font-weight:700;flex-shrink:0}.fee-them ul li{padding:8px 0;font-size:.9rem;color:#fff6;display:flex;align-items:center;gap:10px}.fee-them ul li:before{content:"✗";width:22px;height:22px;background:#ffffff0f;color:#ffffff4d;border-radius:6px;display:flex;align-items:center;justify-content:center;font-size:.7rem;font-weight:700;flex-shrink:0}.advisor{padding:100px 40px;background:var(--cream)}.advisor-inner{max-width:1100px;margin:0 auto;display:grid;grid-template-columns:320px 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p{color:var(--gray);font-size:.95rem;line-height:1.75;margin-bottom:14px}.bio-personal{font-style:italic;color:var(--slate)!important;margin-top:20px;padding-top:20px;border-top:1px solid var(--light-border)}.testimonials{background:var(--white);padding:100px 40px}.testimonials-inner{max-width:1100px;margin:0 auto}.testimonials .eyebrow{color:var(--gold)}.testimonials h2{font-family:Lora,serif;font-size:clamp(1.8rem,3.5vw,2.4rem);font-weight:700;color:var(--navy);margin-bottom:48px}.testimonials-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}.testimonial-card{background:var(--cream);border-radius:16px;padding:32px;border:1px solid var(--light-border);transition:all .3s}.testimonial-card:hover{transform:translateY(-2px);box-shadow:0 12px 40px #1a27440f}.stars{font-size:.85rem;margin-bottom:16px;letter-spacing:2px}.testimonial-text{font-size:.92rem;color:var(--slate);line-height:1.75;margin-bottom:20px;font-style:italic}.testimonial-author 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p{color:var(--slate);font-size:.95rem;margin-bottom:8px}.contact-form{background:var(--white);border-radius:20px;padding:40px;border:1px solid var(--light-border);box-shadow:0 20px 60px #1a27440f}.contact-form h3{font-family:Lora,serif;font-size:1.3rem;color:var(--navy);margin-bottom:8px}.form-sub{font-size:.88rem;color:var(--gray);margin-bottom:28px}.form-group{margin-bottom:16px}.form-group label{display:block;font-size:.8rem;font-weight:600;color:var(--navy);margin-bottom:6px;text-transform:uppercase;letter-spacing:.05em}.form-group input,.form-group select{width:100%;padding:13px 16px;border:1px solid var(--light-border);border-radius:8px;font-family:DM Sans,sans-serif;font-size:.95rem;background:var(--cream);color:var(--navy);transition:border-color .2s}.form-group input:focus,.form-group select:focus{outline:none;border-color:var(--gold);box-shadow:0 0 0 3px #b8952a1a}.contact-form .btn-primary{width:100%;text-align:center;padding:16px;margin-top:8px}.form-note{text-align:center;font-size:.78rem;color:var(--gray);margin-top:14px}footer{background:var(--navy);text-align:center;padding:48px 40px;color:#ffffff80;font-size:.85rem}footer strong{color:var(--white)}@keyframes fadeInUp{0%{opacity:0;transform:translateY(24px)}to{opacity:1;transform:translateY(0)}}@media(max-width:768px){.page-nav{padding:20px 24px}.nav-links{gap:16px}.nav-link{display:none}.hero{grid-template-columns:1fr;gap:40px;padding:40px 24px 60px}.hero-visual{display:none}.hero-ctas{flex-direction:column;align-items:flex-start}.services{padding:60px 24px}.services-grid{grid-template-columns:1fr}.service-item p{padding-left:0}.who-we-serve{padding:60px 24px}.serve-grid{grid-template-columns:1fr}.fee-only{padding:60px 24px}.fee-comparison{grid-template-columns:1fr}.advisor{padding:60px 24px}.advisor-inner{grid-template-columns:1fr;gap:40px}.advisor-photo{display:flex;flex-direction:column;align-items:center}.photo-frame{width:200px;height:240px}.testimonials{padding:60px 24px}.testimonials-grid{grid-template-columns:1fr}.contact{grid-template-columns:1fr;padding:60px 24px}footer{padding:36px 24px}}