:root{
  --ink:#081722;
  --navy:#0b2234;
  --navy2:#12364f;
  --emerald:#1f8068;
  --emerald2:#2fa17f;
  --gold:#d7ad52;
  --gold2:#f0cf78;
  --ivory:#f7f5ef;
  --paper:#ffffff;
  --text:#172733;
  --muted:#687985;
  --line:#dce4e7;
  --shadow:0 24px 70px rgba(8,23,34,.10);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,ui-sans-serif,-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif;color:var(--text);background:#fff;line-height:1.65;-webkit-font-smoothing:antialiased}
a{text-decoration:none;color:inherit}
img{max-width:100%;display:block}
.wrap{width:min(1180px,92%);margin:auto}

/* Header */
header{position:sticky;top:0;z-index:60;background:rgba(255,255,255,.88);backdrop-filter:blur(18px);border-bottom:1px solid rgba(220,228,231,.8)}
.nav{min-height:82px;display:flex;align-items:center;justify-content:space-between;gap:28px}
.logo{display:flex;align-items:center;gap:12px;min-width:max-content}
.logo-badge{width:46px;height:46px;border-radius:14px;display:grid;place-items:center;background:linear-gradient(145deg,var(--navy),#173a54);color:var(--gold2);font-weight:900;letter-spacing:-.04em;box-shadow:inset 0 0 0 1px rgba(255,255,255,.08),0 8px 22px rgba(8,23,34,.12)}
.logo strong{display:block;font-size:17px;color:var(--navy);letter-spacing:-.015em;line-height:1.1}
.logo small{display:block;margin-top:4px;font-size:9px;letter-spacing:.22em;color:#7b8a93;text-transform:uppercase;font-weight:800}
nav{display:flex;align-items:center;gap:23px;font-size:12.5px;font-weight:750;color:#324551}
nav a{transition:.2s ease}
nav a:hover{color:var(--emerald)}
.nav-btn{padding:11px 18px;border-radius:999px;background:var(--navy);color:#fff;box-shadow:0 8px 20px rgba(11,34,52,.14)}
.nav-btn:hover{background:var(--emerald);color:#fff}

/* Hero */
.hero{position:relative;overflow:hidden;background:radial-gradient(circle at 78% 20%,rgba(215,173,82,.17),transparent 28%),radial-gradient(circle at 12% 85%,rgba(47,161,127,.14),transparent 30%),linear-gradient(120deg,#081722 0%,#0b263a 50%,#123a51 100%);color:#fff;padding:104px 0 96px}
.hero:after{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.025) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.025) 1px,transparent 1px);background-size:46px 46px;mask-image:linear-gradient(to bottom,rgba(0,0,0,.65),transparent 88%);pointer-events:none}
.hero-grid{position:relative;z-index:1;display:grid;grid-template-columns:1.08fr .92fr;gap:64px;align-items:center}
.eyebrow{display:inline-flex;align-items:center;gap:9px;text-transform:uppercase;letter-spacing:.17em;font-size:10.5px;font-weight:850;color:#a8dfcd;margin-bottom:20px}
.eyebrow:before{content:"";width:26px;height:1px;background:currentColor}
.hero h1,.section h2{font-family:Georgia,"Times New Roman",serif;line-height:1.02;letter-spacing:-.042em;margin:0}
.hero h1{font-size:clamp(49px,5.8vw,78px);max-width:760px;font-weight:700}
.hero h1 span{color:var(--gold2)}
.hero p{max-width:680px;color:#ccd8df;font-size:17px;margin:26px 0 32px}
.actions{display:flex;gap:12px;flex-wrap:wrap}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:14px 22px;border-radius:999px;font-weight:800;font-size:13px;transition:transform .2s ease,box-shadow .2s ease,background .2s ease}
.btn:hover{transform:translateY(-2px)}
.btn-primary{background:linear-gradient(135deg,var(--emerald2),var(--emerald));color:#fff;box-shadow:0 12px 30px rgba(31,128,104,.22)}
.btn-light{background:#fff;color:var(--navy);box-shadow:0 12px 30px rgba(0,0,0,.12)}
.btn-outline{border:1px solid rgba(255,255,255,.28);color:#fff;background:rgba(255,255,255,.04)}

.hero-card,.portal-box{position:relative;background:rgba(255,255,255,.97);color:var(--text);border-radius:26px;padding:30px;box-shadow:0 30px 80px rgba(0,0,0,.24);border:1px solid rgba(255,255,255,.65)}
.hero-card h3,.portal-box h3{font-family:Georgia,serif;font-size:28px;line-height:1.08;margin:7px 0 18px;color:var(--navy)}
.quick{padding:16px 0;border-top:1px solid var(--line)}
.quick a{display:block}
.quick strong{display:block;color:#1b2e3b}
.quick small{color:var(--muted)}

/* Homepage portrait panel */
.executive-card{position:relative;min-height:530px;border-radius:30px;overflow:hidden;box-shadow:0 34px 95px rgba(0,0,0,.32);border:1px solid rgba(255,255,255,.16);background:#0e293d}
.executive-card img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center 24%;filter:saturate(.92) contrast(1.02)}
.executive-card:after{content:"";position:absolute;inset:0;background:linear-gradient(to top,rgba(4,17,27,.98) 0%,rgba(4,17,27,.72) 25%,rgba(4,17,27,.08) 60%,transparent 100%)}
.executive-info{position:absolute;z-index:2;left:28px;right:28px;bottom:26px}
.veteran-badge{display:inline-flex;align-items:center;gap:8px;padding:8px 12px;border-radius:999px;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.2);backdrop-filter:blur(12px);font-size:10px;font-weight:850;letter-spacing:.13em;text-transform:uppercase;color:#fff;margin-bottom:14px}
.veteran-badge:before{content:"★";color:var(--gold2)}
.executive-info h3{font-family:Georgia,serif;font-size:31px;line-height:1.05;margin:0;color:#fff}
.executive-info p{margin:8px 0 0;font-size:13px;color:#c7d5dc}
.executive-meta{margin-top:17px;padding-top:14px;border-top:1px solid rgba(255,255,255,.18);display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap;font-size:11px;color:#d6e0e5}

/* Trust strip */
.band{position:relative;background:#fff;color:var(--text);padding:0;border-bottom:1px solid var(--line)}
.band-grid{display:grid;grid-template-columns:repeat(4,1fr)}
.band-grid div{padding:24px 20px;border-right:1px solid var(--line)}
.band-grid div:first-child{padding-left:0}.band-grid div:last-child{border-right:0;padding-right:0}
.band-grid strong{display:block;color:var(--navy);font-size:13px}.band-grid span{font-size:11px;color:var(--muted)}

/* Content */
.section{padding:96px 0}
.soft{background:linear-gradient(180deg,#f8f7f3,#f4f2ec)}
.dark{background:var(--navy);color:#fff}
.section-head{display:grid;grid-template-columns:1.05fr .95fr;gap:70px;align-items:end;margin-bottom:44px}
.section h2{font-size:clamp(39px,4.2vw,58px);color:var(--navy);max-width:740px}
.dark h2{color:#fff}
.section-head p,.section p{color:var(--muted)}
.dark p{color:#c8d4d9}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.card{position:relative;border:1px solid var(--line);border-radius:22px;padding:30px;background:#fff;box-shadow:0 12px 38px rgba(8,23,34,.035);transition:transform .24s ease,box-shadow .24s ease,border-color .24s ease;overflow:hidden}
.card:before{content:"";position:absolute;left:0;right:0;top:0;height:3px;background:linear-gradient(90deg,var(--emerald),var(--gold));opacity:0;transition:.24s ease}
.card:hover{transform:translateY(-5px);box-shadow:var(--shadow);border-color:#cad6da}.card:hover:before{opacity:1}
.card .tag{display:inline-block;color:var(--emerald);font-size:10px;font-weight:900;letter-spacing:.12em}
.card h3{font-size:22px;line-height:1.2;margin:22px 0 10px;color:var(--navy)}
.card p{margin:0;color:var(--muted)}
.service-icon{width:48px;height:48px;border-radius:14px;background:#eef6f3;display:grid;place-items:center;color:var(--emerald);font-size:21px;margin-bottom:22px}

/* Premium feature block */
.premium-grid{display:grid;grid-template-columns:.95fr 1.05fr;gap:70px;align-items:center}
.premium-panel{border-radius:28px;background:linear-gradient(145deg,var(--navy),#153a52);color:#fff;padding:44px;box-shadow:0 30px 85px rgba(11,34,52,.18);position:relative;overflow:hidden}
.premium-panel:after{content:"";position:absolute;width:240px;height:240px;border-radius:50%;background:rgba(215,173,82,.13);right:-70px;top:-80px}
.premium-panel h3{position:relative;z-index:1;font-family:Georgia,serif;font-size:36px;line-height:1.08;margin:0 0 16px}
.premium-panel p{position:relative;z-index:1;color:#c6d3da;margin:0}
.premium-points{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:28px}
.premium-points div{position:relative;z-index:1;border:1px solid rgba(255,255,255,.13);background:rgba(255,255,255,.045);border-radius:14px;padding:15px;font-size:12px;color:#e3ecef}

.split{display:grid;grid-template-columns:1fr 1fr;gap:68px;align-items:center}
.checks{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin:26px 0}
.checks div{border:1px solid var(--line);background:#fff;border-radius:13px;padding:14px 15px;font-size:13px;font-weight:750;box-shadow:0 8px 24px rgba(8,23,34,.03)}
.checks div:before{content:"✓";color:var(--emerald);margin-right:8px}
.process{background:#fff;border:1px solid var(--line);border-radius:24px;padding:30px;box-shadow:var(--shadow)}
.step{display:grid;grid-template-columns:42px 1fr;gap:14px;padding:17px 0;border-top:1px solid var(--line)}
.step:first-of-type{border-top:0}
.step-num{width:38px;height:38px;border-radius:50%;display:grid;place-items:center;background:#edf6f3;color:var(--emerald);font-weight:850}
.cta{background:linear-gradient(140deg,#f7f4ea,#fff);border:1px solid #e3ddcd;border-radius:24px;padding:34px;margin-top:32px;box-shadow:0 14px 40px rgba(8,23,34,.04)}
.cta h3{font-family:Georgia,serif;color:var(--navy);font-size:30px;margin:0 0 7px}

/* Contact */
.contact-grid{display:grid;grid-template-columns:.82fr 1.18fr;gap:70px;align-items:start}
.contact-details{margin-top:28px;display:grid;gap:12px}
.contact-details div{display:flex;gap:12px;align-items:flex-start;font-size:13px;color:var(--muted)}
.contact-details b{color:var(--navy)}
.form{border:1px solid var(--line);border-radius:26px;padding:31px;background:#fff;box-shadow:0 24px 70px rgba(8,23,34,.07)}
.row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
label{display:block;font-size:11px;font-weight:850;letter-spacing:.02em;margin-bottom:15px;color:#344a57}
input,select,textarea{width:100%;margin-top:7px;border:1px solid #d5dee2;border-radius:12px;padding:13px 14px;font:inherit;background:#fbfcfc;outline:none;transition:.2s ease}
input:focus,select:focus,textarea:focus{border-color:#7bb4a2;box-shadow:0 0 0 4px rgba(47,161,127,.09);background:#fff}
textarea{resize:vertical}
button{border:0;cursor:pointer;width:100%;padding:15px;border-radius:999px;background:linear-gradient(135deg,var(--emerald2),var(--emerald));color:#fff;font-weight:850;font-size:14px;box-shadow:0 12px 28px rgba(31,128,104,.18)}
.portal-box .icon{width:54px;height:54px;border-radius:15px;background:#edf6f3;color:var(--emerald);display:grid;place-items:center;font-size:24px;font-weight:900}
.notice{font-size:11px!important;color:#8a969c!important}

/* Footer */
footer{background:#07131d;color:#fff;padding:58px 0 22px}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:56px}
footer p,footer a{color:#94a9b5;font-size:12px}footer a{line-height:2.2;transition:.2s ease}footer a:hover{color:#fff}
footer strong{display:block;margin-bottom:8px;color:#fff}
.footer-bottom{border-top:1px solid rgba(255,255,255,.09);margin-top:35px;padding-top:18px;display:flex;justify-content:space-between;gap:20px;color:#6f8490;font-size:10px}

@media(max-width:960px){
  nav{display:none}
  .hero-grid,.section-head,.split,.contact-grid,.premium-grid{grid-template-columns:1fr}
  .executive-card{min-height:520px;max-width:620px}
  .cards{grid-template-columns:1fr 1fr}
  .band-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:620px){
  .nav{min-height:72px}.logo strong{font-size:15px}.logo-badge{width:42px;height:42px}
  .hero{padding:72px 0 68px}.hero h1{font-size:47px}.hero p{font-size:15px}
  .executive-card{min-height:440px}.executive-info{left:20px;right:20px;bottom:20px}.executive-info h3{font-size:27px}
  .section{padding:70px 0}.section h2{font-size:40px}
  .cards,.checks,.row,.footer-grid,.band-grid,.premium-points{grid-template-columns:1fr}
  .band-grid div,.band-grid div:first-child,.band-grid div:last-child{border-right:0;border-bottom:1px solid var(--line);padding:15px 0}
  .band-grid div:last-child{border-bottom:0}
  .premium-panel{padding:30px}.premium-panel h3{font-size:31px}
  .footer-bottom{flex-direction:column}
}


/* Tax Updates & Insights */
.btn-gold{background:linear-gradient(135deg,#e6c66f,#b98b31);color:#102131;box-shadow:0 12px 30px rgba(185,139,49,.24)}
.tax-insights-strip{background:linear-gradient(120deg,#fcfaf4,#f4efe2);border-top:1px solid #e7deca;border-bottom:1px solid #e7deca}
.tax-insights-grid{display:grid;grid-template-columns:1.25fr .75fr;gap:60px;align-items:center}
.insight-actions{display:flex;flex-direction:column;align-items:flex-start;gap:14px}.insight-actions span{font-size:11px;letter-spacing:.08em;color:#7d6b4a;text-transform:uppercase;font-weight:800}
.resource-hero{position:relative;overflow:hidden;background:radial-gradient(circle at 82% 18%,rgba(215,173,82,.20),transparent 29%),linear-gradient(138deg,#07131d 0%,#0b2234 58%,#12364f 100%);color:#fff;padding:108px 0 96px}
.resource-hero:before{content:"";position:absolute;inset:0;background:linear-gradient(rgba(255,255,255,.025) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.025) 1px,transparent 1px);background-size:46px 46px;mask-image:linear-gradient(to bottom,rgba(0,0,0,.55),transparent 92%)}
.resource-hero-grid{position:relative;z-index:1;display:grid;grid-template-columns:1.08fr .92fr;gap:72px;align-items:center}
.resource-hero h1{font-family:Georgia,"Times New Roman",serif;font-size:clamp(48px,5.5vw,76px);line-height:1.02;letter-spacing:-.04em;margin:0;max-width:820px}.resource-hero p{color:#cbd7de;font-size:17px;max-width:720px;margin:25px 0 31px}
.resource-hero-panel{background:rgba(255,255,255,.96);color:var(--text);border:1px solid rgba(255,255,255,.7);border-radius:28px;padding:36px;box-shadow:0 34px 95px rgba(0,0,0,.30)}
.resource-hero-panel h3,.luxury-form h3{font-family:Georgia,serif;color:var(--navy);font-size:32px;line-height:1.12;margin:10px 0 15px}.resource-hero-panel p{color:var(--muted);font-size:14px;margin:0 0 24px}
.mini-kicker{font-size:9.5px;letter-spacing:.16em;font-weight:900;color:#a47c2d;text-transform:uppercase}
.resource-meta{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;border-top:1px solid var(--line);padding-top:20px}.resource-meta div{display:flex;flex-direction:column}.resource-meta strong{color:var(--navy);font-size:13px}.resource-meta span{color:var(--muted);font-size:10px}
.official-update-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px}.official-card{border:1px solid #e3dccd;border-radius:26px;padding:36px;background:linear-gradient(145deg,#fff,#fbf8f1);box-shadow:0 18px 55px rgba(8,23,34,.06);position:relative;overflow:hidden}.official-card:after{content:"";position:absolute;width:170px;height:170px;border-radius:50%;right:-70px;top:-75px;background:rgba(215,173,82,.10)}
.official-mark{width:54px;height:54px;border-radius:16px;display:grid;place-items:center;background:var(--navy);color:var(--gold2);font-family:Georgia,serif;font-weight:800;font-size:17px;margin-bottom:22px}.official-card h3{font-family:Georgia,serif;color:var(--navy);font-size:30px;margin:10px 0}.official-card p{min-height:105px}.official-card small{display:block;color:#87939a;margin-top:14px;font-size:10px}
.subscription-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:72px;align-items:start}.editorial-points{display:grid;gap:13px;margin:28px 0}.editorial-points div{display:grid;grid-template-columns:90px 1fr;gap:14px;padding:15px 0;border-top:1px solid #dfd8c9}.editorial-points strong{color:var(--navy)}.editorial-points span{color:var(--muted);font-size:13px}.fineprint{font-size:11px!important;color:#8c969c!important}
.luxury-form{border-color:#ddd3bc;background:linear-gradient(145deg,#fff,#fdfbf7)}.consent-row{display:grid;grid-template-columns:18px 1fr;gap:10px;align-items:start;font-weight:500;letter-spacing:0;font-size:11px;color:#687985}.consent-row input{width:auto;margin-top:3px}.form-note{font-size:10px!important;margin:12px 2px 0!important;color:#8d989e!important}
.editorial-section{background:#fff}.editorial-grid{display:grid;grid-template-columns:1fr 1fr;gap:80px;align-items:end}.text-link{display:inline-block;margin-top:18px;color:#9b752b;font-weight:850;font-size:13px}.thank-you-hero{min-height:72vh;display:flex;align-items:center}.narrow-center{position:relative;z-index:1;max-width:760px;text-align:center}.narrow-center .eyebrow{justify-content:center}.narrow-center h1{margin-inline:auto}.narrow-center p{margin:24px auto}.center-actions{justify-content:center}
nav a[aria-current="page"]{color:var(--emerald)}
@media(max-width:960px){.tax-insights-grid,.resource-hero-grid,.official-update-grid,.subscription-grid,.editorial-grid{grid-template-columns:1fr}.resource-hero-panel{max-width:680px}.official-card p{min-height:auto}}
@media(max-width:620px){.resource-hero{padding:74px 0 68px}.resource-hero h1{font-size:46px}.resource-meta{grid-template-columns:1fr}.official-card{padding:28px}.editorial-points div{grid-template-columns:1fr;gap:4px}}