/* =============================================================
   THREE TREES RETIREMENT PARTNERS — MASTER STYLESHEET v2
   Corrections applied: no diagonal stripes, updated layouts
   ============================================================= */

/* ─── CSS Custom Properties ─────────────────────────────────── */
:root {
  --gold:           #b09556;
  --gold-light:     #c9ac6a;
  --gold-dark:      #8e7640;
  --forest-green:   #1e3a2f;
  --forest-mid:     #254d3e;
  --forest-light:   #2f6349;
  --teal:           #2c6e6b;
  --teal-light:     #3d8c89;
  --cream:          #faf6ee;
  --cream-dark:     #f2ead8;
  --cream-border:   #e8dfc8;
  --white:          #ffffff;
  --off-white:      #f9f8f5;
  --charcoal:       #2a2a2a;
  --dark-text:      #1a1a1a;
  --body-text:      #3d3d3d;
  --muted-text:     #6b6b6b;
  --light-text:     #9a9a9a;

  --font-serif:     'Playfair Display', 'Cormorant Garamond', Georgia, serif;
  --font-garamond:  'Cormorant Garamond', 'Playfair Display', Georgia, serif;
  --font-sans:      'Lato', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;

  --section-pad:    100px;
  --container:      1180px;

  --shadow-card:    0 4px 30px rgba(0,0,0,0.08);
  --shadow-card-hover: 0 12px 50px rgba(0,0,0,0.16);
  --shadow-gold:    0 4px 20px rgba(176,149,86,0.28);
  --transition:     0.3s ease;
}

/* ─── Reset & Base ───────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: var(--font-sans);
  color: var(--body-text);
  background: var(--white);
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; display: block; }
a { text-decoration: none; color: inherit; transition: color var(--transition); }
ul { list-style: none; }

/* ─── Container ─────────────────────────────────────────────── */
.container {
  width: 100%;
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 40px;
}

/* ─── Typography Helpers ────────────────────────────────────── */
.section-label {
  display: inline-block;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 14px;
}
.section-label-light {
  display: inline-block;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--gold-light);
  margin-bottom: 14px;
}
.section-heading {
  font-family: var(--font-serif);
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 700;
  color: var(--forest-green);
  line-height: 1.2;
  margin-bottom: 20px;
}
.section-heading-light {
  font-family: var(--font-serif);
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 700;
  color: var(--white);
  line-height: 1.2;
  margin-bottom: 20px;
}

/* ─── Buttons ───────────────────────────────────────────────── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 32px;
  border-radius: 4px;
  font-size: 0.85rem;
  font-weight: 700;
  letter-spacing: 0.07em;
  text-transform: uppercase;
  cursor: pointer;
  border: 2px solid transparent;
  transition: all var(--transition);
  white-space: nowrap;
}
.btn-gold {
  background: linear-gradient(135deg, var(--gold-light), var(--gold));
  color: var(--dark-text);
  border-color: var(--gold);
  box-shadow: var(--shadow-gold);
}
.btn-gold:hover {
  background: linear-gradient(135deg, var(--gold), var(--gold-dark));
  color: var(--white);
  box-shadow: 0 8px 28px rgba(176,149,86,0.45);
  transform: translateY(-2px);
}
.btn-outline-light {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,0.55);
}
.btn-outline-light:hover {
  background: rgba(255,255,255,0.1);
  border-color: var(--white);
}
.btn-dark-green {
  background: var(--forest-green);
  color: var(--white);
  border-color: var(--forest-green);
}
.btn-dark-green:hover {
  background: var(--forest-mid);
  border-color: var(--forest-mid);
  transform: translateY(-2px);
}

/* ═══════════════════════════════════════════════════════════════
   1. HEADER / NAVIGATION
═══════════════════════════════════════════════════════════════ */
#site-header {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  background: rgba(255,255,255,0.97);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--cream-border);
  transition: box-shadow var(--transition);
}
#site-header.scrolled { box-shadow: 0 2px 30px rgba(0,0,0,0.1); }

.nav-container {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 40px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 82px;
}
.nav-logo img {
  height: 58px;
  width: auto;
  object-fit: contain;
}
.nav-links {
  display: flex;
  align-items: center;
  gap: 4px;
}
.nav-links li a {
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--charcoal);
  padding: 8px 13px;
  border-radius: 4px;
  transition: all var(--transition);
}
.nav-links li a:hover {
  color: var(--forest-green);
  background: var(--cream);
}
.nav-cta-btn {
  background: linear-gradient(135deg, var(--gold-light), var(--gold)) !important;
  color: var(--dark-text) !important;
  padding: 10px 20px !important;
  border-radius: 4px !important;
  box-shadow: var(--shadow-gold);
}
.nav-cta-btn:hover {
  background: linear-gradient(135deg, var(--gold), var(--gold-dark)) !important;
  color: var(--white) !important;
  transform: translateY(-1px);
}
.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
}
.nav-toggle span {
  display: block;
  width: 26px;
  height: 2px;
  background: var(--charcoal);
  border-radius: 2px;
  transition: all var(--transition);
}

/* ═══════════════════════════════════════════════════════════════
   2. HERO SECTION — Premium spacious redesign
═══════════════════════════════════════════════════════════════ */
.hero-section {
  background: linear-gradient(145deg, #162e24 0%, var(--forest-green) 45%, var(--forest-mid) 100%);
  padding-top: 82px; /* nav height offset */
  min-height: auto;
  display: flex;
  align-items: center;
}

/* Two-column grid — left text, right photo — vertically centered */
.hero-container {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  align-items: center;
  gap: 80px;
  padding-top: 80px;
  padding-bottom: 90px;
}

/* ── LEFT COLUMN ─────────────────────────────────────────── */
.hero-content { color: var(--white); }

.hero-eyebrow {
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.28em;
  text-transform: uppercase;
  color: var(--gold-light);
  margin-bottom: 28px;
}

/* Large elegant serif headline */
.hero-headline {
  font-family: var(--font-serif);
  font-size: clamp(2rem, 3.6vw, 3.2rem);
  font-weight: 700;
  line-height: 1.22;
  color: var(--white);
  margin-bottom: 32px;
  letter-spacing: -0.01em;
}

/* "knowing" — gold italic inline emphasis */
.hero-knowing {
  font-style: italic;
  color: var(--gold-light);
  font-weight: 700;
}

.hero-subtext {
  font-size: 1rem;
  line-height: 1.9;
  color: rgba(255, 255, 255, 0.78);
  margin-bottom: 44px;
  max-width: 480px;
}

/* CTA buttons row */
.hero-ctas {
  display: flex;
  gap: 18px;
  flex-wrap: wrap;
  align-items: center;
}

/* ── RIGHT COLUMN ────────────────────────────────────────── */
.hero-image {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 0;
}

/* Photo wrapper — shadow + gold border ring */
.hero-photo-wrap {
  width: 100%;
  max-width: 440px;
  border-radius: 14px;
  overflow: hidden;
  box-shadow:
    0 40px 90px rgba(0, 0, 0, 0.55),
    0 0 0 1px rgba(176, 149, 86, 0.18);
  border: 3px solid rgba(176, 149, 86, 0.35);
}
.hero-photo-wrap img {
  width: 100%;
  height: auto;
  display: block;
  object-fit: cover;
  border-radius: 11px;
}

/* Centered credentials beneath photo */
.hero-image-caption {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 6px;
  margin-top: 22px;
  text-align: center;
}
.cred-name {
  font-family: var(--font-serif);
  font-size: 1.08rem;
  font-weight: 700;
  color: var(--white);
  letter-spacing: 0.01em;
}
.cred-badges {
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold-light);
}

/* ═══════════════════════════════════════════════════════════════
   2b. RETIREMENT INCOME INTRO SECTION
   — cream background, between Hero and Framework
═══════════════════════════════════════════════════════════════ */
.retirement-intro-section {
  background: var(--cream);
  padding: var(--section-pad) 0;
}
.retirement-intro-container {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}
.retirement-intro-text { max-width: 540px; }

.retirement-intro-body {
  font-size: 1.04rem;
  line-height: 1.88;
  color: var(--body-text);
  margin-bottom: 18px;
}
.retirement-intro-quote {
  font-family: var(--font-garamond);
  font-style: italic;
  font-size: 1.26rem;
  color: var(--forest-green);
  border-left: 3px solid var(--gold);
  padding-left: 22px;
  margin-top: 28px;
  line-height: 1.55;
}

/* Right column — feature list */
.retirement-intro-features {
  display: flex;
  flex-direction: column;
  gap: 28px;
}
.intro-feature-item {
  display: flex;
  align-items: flex-start;
  gap: 20px;
}
.intro-feature-icon {
  width: 52px;
  height: 52px;
  min-width: 52px;
  border-radius: 50%;
  background: var(--forest-green);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold-light);
  font-size: 1.1rem;
  box-shadow: 0 4px 16px rgba(30,58,47,0.2);
}
.intro-feature-item h4 {
  font-family: var(--font-serif);
  font-size: 1.08rem;
  font-weight: 700;
  color: var(--forest-green);
  margin-bottom: 5px;
}
.intro-feature-item p {
  font-size: 0.91rem;
  line-height: 1.68;
  color: var(--body-text);
}

/* ═══════════════════════════════════════════════════════════════
   3. THREE TREES FRAMEWORK SECTION
   — solid dark green, NO diagonal stripe
═══════════════════════════════════════════════════════════════ */
.methodology-section {
  background: var(--forest-green);
  padding: var(--section-pad) 0;
  /* NO ::after pseudo-element — section ends flat */
}
.methodology-container { text-align: center; }
.methodology-header { margin-bottom: 50px; }
.methodology-subtitle {
  font-family: var(--font-garamond);
  font-style: italic;
  font-size: 1.3rem;
  color: rgba(255,255,255,0.65);
  margin-top: -6px;
}

/* Cream/white card wrapping the infographic */
.methodology-card {
  background: var(--cream);
  border-radius: 20px;
  padding: 40px;
  max-width: 960px;
  margin: 0 auto 32px;
  box-shadow: 0 24px 70px rgba(0,0,0,0.35);
}
.three-trees-infographic {
  width: 100%;
  height: auto;
  display: block;
  border-radius: 10px;
}
.methodology-caption {
  font-family: var(--font-garamond);
  font-style: italic;
  font-size: 1.15rem;
  color: rgba(255,255,255,0.6);
  margin-top: 16px;
}

/* ═══════════════════════════════════════════════════════════════
   4. THREE TREES DETAIL CARDS
═══════════════════════════════════════════════════════════════ */
.tree-cards-section {
  background: var(--off-white);
  padding: var(--section-pad) 0;
}
.tree-cards-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
  align-items: stretch;
}

.tree-card {
  background: var(--white);
  border-radius: 16px;
  box-shadow: var(--shadow-card);
  overflow: hidden;
  display: flex;
  flex-direction: column;
  transition: transform var(--transition), box-shadow var(--transition);
}
.tree-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-card-hover);
}

/* Top image area — white bg so transparent/white-bg PNGs render cleanly */
.tree-card-image-area {
  background: #ffffff;
  display: flex;
  align-items: center;
  justify-content: center;
  height: 210px;
  padding: 16px;
  border-bottom: 1px solid var(--cream-border);
}
.tree-img-asset {
  width: 100%;
  height: 100%;
  object-fit: contain;
  object-position: center;
  display: block;
}

.tree-card-body {
  padding: 26px 26px 30px;
  flex: 1;
  display: flex;
  flex-direction: column;
  gap: 0;
}
.tree-card-label-row { margin-bottom: 6px; }
.tree-number-tag {
  font-size: 0.62rem;
  font-weight: 700;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--muted-text);
}
.tree-card-name {
  font-family: var(--font-serif);
  font-size: 1.65rem;
  font-weight: 700;
  color: var(--forest-green);
  line-height: 1.2;
  margin-bottom: 4px;
}
.tree-card-subtitle {
  font-size: 0.83rem;
  color: var(--muted-text);
  margin-bottom: 12px;
}
.tree-card-type-badge {
  display: inline-block;
  background: var(--forest-green);
  color: var(--gold-light);
  font-size: 0.65rem;
  font-weight: 700;
  letter-spacing: 0.16em;
  padding: 5px 14px;
  border-radius: 3px;
  margin-bottom: 14px;
  align-self: flex-start;
}
.tree-card-tagline {
  font-family: var(--font-garamond);
  font-style: italic;
  font-size: 1.08rem;
  color: var(--forest-green);
  margin-bottom: 12px;
  font-weight: 500;
}
.tree-card-desc {
  font-size: 0.92rem;
  line-height: 1.75;
  color: var(--body-text);
  margin-bottom: 18px;
}
.tree-card-detail {
  background: var(--cream);
  border-radius: 8px;
  padding: 12px 15px;
  margin-bottom: 10px;
}
.tree-card-detail:last-child { margin-bottom: 0; }
.tree-card-detail h5 {
  font-size: 0.62rem;
  font-weight: 700;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold-dark);
  margin-bottom: 5px;
}
.tree-card-detail p {
  font-size: 0.88rem;
  color: var(--body-text);
  line-height: 1.62;
}

/* ═══════════════════════════════════════════════════════════════
   5. PROCESS FLOW SECTION
   — solid dark green
═══════════════════════════════════════════════════════════════ */
.process-section {
  background: var(--forest-mid);
  padding: var(--section-pad) 0;
}
.process-header {
  text-align: center;
  margin-bottom: 70px;
}
.process-subtitle {
  font-family: var(--font-garamond);
  font-style: italic;
  font-size: 1.18rem;
  color: rgba(255,255,255,0.62);
}

.process-flow {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0;
  max-width: 1060px;
  margin: 0 auto 50px;
}

.process-node {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  flex: 1;
  max-width: 200px;
}

.process-node-circle {
  width: 140px;
  height: 140px;
  border-radius: 50%;
  overflow: hidden;
  border: 3px solid rgba(176,149,86,0.4);
  background: #ffffff;           /* white bg so gold-ring circle images render cleanly */
  margin-bottom: 18px;
  transition: border-color var(--transition), transform var(--transition);
  display: flex;
  align-items: center;
  justify-content: center;
}
.process-node-circle:hover {
  border-color: var(--gold-light);
  transform: scale(1.04);
}
.process-node-circle img {
  width: 100%;
  height: 100%;
  object-fit: contain;           /* contain so gold-ring and white-circle images show fully */
}

.process-node-circle-retirement {
  border-color: var(--gold);
  background: #ffffff;           /* white bg so the white circle in the image blends in */
  box-shadow: 0 0 30px rgba(176,149,86,0.35), 0 0 0 4px rgba(176,149,86,0.15);
}
.process-node-circle-retirement img {
  width: 92%;
  height: 92%;
  object-fit: contain;           /* show full white-circle image without cropping */
  border-radius: 50%;
}

.process-node-label {
  font-size: 0.8rem;
  font-weight: 900;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold-light);
  margin-bottom: 6px;
  line-height: 1.3;
}
.process-node-label-gold {
  color: var(--gold);
  font-size: 0.85rem;
}
.process-node-sub {
  font-size: 0.82rem;
  color: rgba(255,255,255,0.62);
  line-height: 1.5;
}

.process-connector {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 5px;
  flex-shrink: 0;
  padding: 0 8px;
  margin-top: -50px; /* align with middle of circles */
}
.process-arrow-line {
  width: 50px;
  height: 2px;
  background: linear-gradient(90deg, rgba(176,149,86,0.3), var(--gold));
}
.process-arrow-icon {
  font-size: 1rem;
  color: var(--gold);
}
.process-arrow-label {
  font-size: 0.65rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.45);
  text-align: center;
  line-height: 1.4;
}

.process-note {
  text-align: center;
  font-family: var(--font-garamond);
  font-style: italic;
  font-size: 1.1rem;
  color: rgba(255,255,255,0.55);
  max-width: 700px;
  margin: 0 auto;
}

/* ═══════════════════════════════════════════════════════════════
   6. TRIPLE SHIELD INTRODUCTION
═══════════════════════════════════════════════════════════════ */
.shield-intro-section {
  background: var(--cream);
  padding: var(--section-pad) 0;
}
.shield-intro-container {
  display: grid;
  grid-template-columns: 1fr 1.1fr;
  gap: 80px;
  align-items: center;
}
.shield-intro-body {
  font-size: 1.04rem;
  line-height: 1.85;
  color: var(--body-text);
  margin-bottom: 18px;
}
.shield-intro-italic {
  font-family: var(--font-garamond);
  font-style: italic;
  font-size: 1.18rem;
  color: var(--forest-green);
  border-left: 3px solid var(--gold);
  padding-left: 20px;
  margin-top: 24px;
}

/* Shadow box — no corner marks, clean shadow */
.shield-graphic-box {
  background: var(--white);
  border-radius: 16px;
  padding: 32px;
  box-shadow: 0 16px 60px rgba(0,0,0,0.14);
  display: flex;
  align-items: center;
  justify-content: center;
}
.shield-graphic-img {
  width: 100%;
  max-width: 540px;
  height: auto;
  display: block;
}

/* ═══════════════════════════════════════════════════════════════
   7. TRIPLE SHIELD CARDS
   — solid dark green, NO diagonal stripe
═══════════════════════════════════════════════════════════════ */
.shield-cards-section {
  background: var(--forest-green);
  padding: var(--section-pad) 0;
}
.shield-cards-intro {
  text-align: center;
  margin-bottom: 56px;
}
.shield-cards-subtitle {
  font-family: var(--font-garamond);
  font-style: italic;
  font-size: 1.18rem;
  color: rgba(255,255,255,0.62);
}
.shield-cards-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 26px;
  align-items: stretch;
}

.shield-card {
  background: var(--white);
  border-radius: 16px;
  padding: 34px 28px 36px;
  box-shadow: 0 8px 40px rgba(0,0,0,0.28);
  transition: transform var(--transition), box-shadow var(--transition);
  display: flex;
  flex-direction: column;
}
.shield-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 18px 60px rgba(0,0,0,0.4);
}
.shield-card-featured {
  background: var(--forest-mid);
  border: 2px solid var(--gold);
}
.shield-card-featured .shield-card-title { color: rgba(255,255,255,0.65); }
.shield-card-featured .shield-card-name { color: var(--gold-light); }
.shield-card-featured .shield-card-desc { color: rgba(255,255,255,0.75); }
.shield-card-featured .shield-card-body { color: rgba(255,255,255,0.75); }
.shield-card-featured .shield-card-list li { color: rgba(255,255,255,0.8); }
.shield-card-featured .shield-card-list li::before { color: var(--gold-light); }

.shield-card-icon-wrap {
  width: 64px;
  height: 64px;
  border-radius: 50%;
  background: var(--cream);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
}
.shield-card-featured .shield-card-icon-wrap {
  background: rgba(255,255,255,0.1);
}
.shield-svg-icon {
  width: 36px;
  height: 36px;
}

.shield-card-title {
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--muted-text);
  margin-bottom: 4px;
}
.shield-card-name {
  font-family: var(--font-serif);
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--forest-green);
  margin-bottom: 10px;
  line-height: 1.2;
}
.shield-card-desc {
  font-family: var(--font-garamond);
  font-style: italic;
  font-size: 0.98rem;
  color: var(--muted-text);
  margin-bottom: 14px;
  line-height: 1.6;
}
.shield-card-body {
  font-size: 0.91rem;
  line-height: 1.72;
  color: var(--body-text);
  margin-bottom: 18px;
  flex: 1;
}
.shield-card-list {
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.shield-card-list li {
  font-size: 0.86rem;
  color: var(--body-text);
  padding-left: 18px;
  position: relative;
  line-height: 1.5;
}
.shield-card-list li::before {
  content: '✓';
  position: absolute;
  left: 0;
  color: var(--teal);
  font-weight: 700;
}

/* ═══════════════════════════════════════════════════════════════
   8. WHO WE SERVE — IDENTITY SECTION
═══════════════════════════════════════════════════════════════ */
.identity-section {
  background: var(--white);
  padding: var(--section-pad) 0;
}
.identity-container {
  display: grid;
  grid-template-columns: 1.25fr 1fr;
  gap: 80px;
  align-items: center;
}
.identity-body {
  font-size: 1.04rem;
  line-height: 1.85;
  color: var(--body-text);
  margin-bottom: 20px;
}
.identity-list {
  display: flex;
  flex-direction: column;
  gap: 12px;
  margin-bottom: 34px;
}
.identity-list li {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  font-size: 0.97rem;
  color: var(--body-text);
  line-height: 1.6;
}
.identity-list li .fas {
  color: var(--teal);
  font-size: 1rem;
  flex-shrink: 0;
  margin-top: 3px;
}
.identity-image img {
  width: 100%;
  border-radius: 12px;
  box-shadow: 0 20px 60px rgba(0,0,0,0.13);
  object-fit: cover;
  max-height: 560px;
}

/* ═══════════════════════════════════════════════════════════════
   9. TEAM SECTION
   — solid dark green
═══════════════════════════════════════════════════════════════ */
.team-section {
  background: var(--forest-green);
  padding: var(--section-pad) 0;
}
.team-header {
  text-align: center;
  max-width: 720px;
  margin: 0 auto 70px;
}
.team-intro {
  font-size: 1.08rem;
  color: rgba(255,255,255,0.72);
  line-height: 1.8;
}

/* Individual team cards — horizontal layout */
.team-card {
  background: var(--white);
  border-radius: 16px;
  overflow: hidden;
  box-shadow: 0 12px 50px rgba(0,0,0,0.32);
  display: grid;
  margin-bottom: 40px;
}
.team-card:last-child { margin-bottom: 0; }

/* Michael: photo LEFT, text RIGHT */
.team-card-michael {
  grid-template-columns: 360px 1fr;
}
/* Stephanie: text LEFT, photo RIGHT */
.team-card-stephanie {
  grid-template-columns: 1fr 360px;
}

.team-card-photo {
  overflow: hidden;
  min-height: 400px;
}
.team-card-photo img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center top;
}

.team-card-info {
  padding: 44px 44px;
  display: flex;
  flex-direction: column;
  justify-content: center;
}
.team-card-name {
  font-family: var(--font-serif);
  font-size: 1.7rem;
  font-weight: 700;
  color: var(--forest-green);
  margin-bottom: 6px;
}
.team-card-title {
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold-dark);
  margin-bottom: 18px;
  line-height: 1.5;
}
.team-card-credentials {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
  margin-bottom: 20px;
}
.credential-badge {
  background: var(--cream);
  border: 1px solid var(--cream-border);
  color: var(--forest-green);
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  padding: 4px 12px;
  border-radius: 20px;
}
.team-card-bio {
  font-size: 0.95rem;
  line-height: 1.8;
  color: var(--body-text);
  margin-bottom: 14px;
}
.team-card-bio:last-child { margin-bottom: 0; }

/* ═══════════════════════════════════════════════════════════════
   10a. ALTITUDE CAPITAL MANAGEMENT — OVERSIGHT & INFRASTRUCTURE
   — cream background, centered header + 3-col cards
═══════════════════════════════════════════════════════════════ */
.altitude-section {
  background: var(--cream);
  padding: var(--section-pad) 0;
}
.altitude-container { text-align: center; }

/* Centered header block */
.altitude-header {
  max-width: 720px;
  margin: 0 auto 60px;
}
.altitude-intro {
  font-size: 1.04rem;
  line-height: 1.88;
  color: var(--body-text);
  margin-top: 4px;
}

/* 3-column card grid */
.altitude-cards-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 26px;
  text-align: left;
  align-items: stretch;
}

.altitude-card {
  background: var(--white);
  border-radius: 16px;
  overflow: hidden;
  box-shadow: var(--shadow-card);
  display: flex;
  flex-direction: column;
  transition: transform var(--transition), box-shadow var(--transition);
}
.altitude-card:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow-card-hover);
}

/* Dark-green photo placeholder area */
.altitude-card-photo {
  background: var(--forest-green);
  height: 200px;
  display: flex;
  align-items: center;
  justify-content: center;
}
.altitude-photo-label {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 10px;
  color: rgba(255, 255, 255, 0.45);
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  text-align: center;
  line-height: 1.5;
}
.altitude-photo-label .fas {
  font-size: 1.6rem;
  opacity: 0.4;
}

/* Card body text */
.altitude-card-body {
  padding: 26px 24px 30px;
  flex: 1;
  display: flex;
  flex-direction: column;
  gap: 0;
}
.altitude-card-name {
  font-family: var(--font-serif);
  font-size: 1.3rem;
  font-weight: 700;
  color: var(--forest-green);
  line-height: 1.25;
  margin-bottom: 6px;
}
.altitude-card-title {
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold-dark);
  line-height: 1.5;
  margin-bottom: 14px;
}
.altitude-card-bio {
  font-size: 0.91rem;
  line-height: 1.75;
  color: var(--body-text);
  flex: 1;
}

/* ═══════════════════════════════════════════════════════════════
   10b. OFFICE PHOTOS — 825 VICTORS WAY
   — off-white / cream-border framed gallery
═══════════════════════════════════════════════════════════════ */
.office-photos-section {
  background: var(--off-white);
  padding: var(--section-pad) 0;
}
.office-photos-container {
  /* slight inset card effect matching the mockup */
  background: var(--cream);
  border: 1.5px dashed var(--cream-border);
  border-radius: 20px;
  padding: 48px 48px 52px;
  max-width: 960px;
  margin: 0 auto;
}

/* Centered title block */
.office-photos-header {
  text-align: center;
  margin-bottom: 36px;
}
.office-photos-title {
  font-family: var(--font-serif);
  font-size: clamp(1.2rem, 2.2vw, 1.6rem);
  font-weight: 700;
  color: var(--forest-green);
  margin-bottom: 8px;
}
.office-photos-subtitle {
  font-size: 0.9rem;
  color: var(--muted-text);
  font-family: var(--font-garamond);
  font-style: italic;
}

/* 2×2 responsive grid */
.office-photos-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}

.office-photo-item {
  border-radius: 12px;
  overflow: hidden;
  /* when real images replace placeholders, img will fill this */
}
/* Placeholder tile */
.office-photo-placeholder {
  background: var(--white);
  border: 1.5px solid var(--cream-border);
  border-radius: 12px;
  height: 200px;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 10px;
  color: var(--muted-text);
  transition: background var(--transition);
}
.office-photo-placeholder:hover {
  background: var(--cream-dark);
}
.office-photo-placeholder .fas {
  font-size: 1.2rem;
  color: var(--light-text);
}
.office-photo-placeholder span {
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--muted-text);
}
/* When a real <img> is placed inside .office-photo-item */
.office-photo-item > img {
  width: 100%;
  height: 200px;
  object-fit: cover;
  display: block;
  border-radius: 12px;
}

/* ═══════════════════════════════════════════════════════════════
   11. SEMINARS SECTION
   — solid forest-mid
═══════════════════════════════════════════════════════════════ */
.seminars-section {
  background: var(--forest-mid);
  padding: var(--section-pad) 0;
}
.seminars-header {
  text-align: center;
  max-width: 700px;
  margin: 0 auto 56px;
}
.seminars-subtitle {
  font-size: 1.04rem;
  color: rgba(255,255,255,0.68);
  line-height: 1.8;
}

.seminars-cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-bottom: 30px;
  align-items: stretch;
}

.seminar-card {
  background: var(--white);
  border-radius: 16px;
  padding: 36px 28px 36px;
  box-shadow: 0 6px 30px rgba(0,0,0,0.22);
  transition: transform var(--transition), box-shadow var(--transition);
  position: relative;
  display: flex;
  flex-direction: column;
  text-align: center;
}
.seminar-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 16px 50px rgba(0,0,0,0.32);
}
.seminar-card-featured {
  border: 2px solid var(--gold);
  background: var(--cream);
}

/* Popular tag — centered above card */
.seminar-popular-tag {
  position: absolute;
  top: -14px;
  left: 50%;
  transform: translateX(-50%);
  background: var(--gold);
  color: var(--dark-text);
  font-size: 0.66rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  padding: 5px 18px;
  border-radius: 20px;
  white-space: nowrap;
}

.seminar-card-icon {
  width: 68px;
  height: 68px;
  border-radius: 50%;
  background: var(--forest-green);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 18px;
  flex-shrink: 0;
}
.seminar-card-icon .fas {
  font-size: 1.55rem;
  color: var(--gold-light);
}

/* Equal-height title area */
.seminar-card-title {
  font-family: var(--font-serif);
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--forest-green);
  margin-bottom: 12px;
  line-height: 1.3;
  min-height: 3rem;
  display: flex;
  align-items: center;
  justify-content: center;
}

.seminar-card-desc {
  font-size: 0.91rem;
  line-height: 1.72;
  color: var(--body-text);
  margin-bottom: 22px;
  flex: 1;
}

.seminar-details {
  display: flex;
  justify-content: center;
  gap: 18px;
  margin-bottom: 22px;
  padding: 10px;
  background: rgba(0,0,0,0.04);
  border-radius: 8px;
}
.seminar-details span {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 0.8rem;
  font-weight: 700;
  color: var(--muted-text);
}
.seminar-details .fas { color: var(--gold); }

/* Button pinned to bottom */
.seminar-btn {
  width: 100%;
  justify-content: center;
  margin-top: auto;
}

.seminars-disclaimer {
  text-align: center;
  font-size: 0.84rem;
  color: rgba(255,255,255,0.45);
  font-style: italic;
}

/* ═══════════════════════════════════════════════════════════════
   12. TESTIMONIALS
═══════════════════════════════════════════════════════════════ */
.testimonials-section {
  background: var(--white);
  padding: var(--section-pad) 0;
}
.testimonials-header {
  text-align: center;
  margin-bottom: 56px;
}
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 26px;
}

.testimonial-card {
  background: var(--cream);
  border-radius: 16px;
  padding: 34px 28px 30px;
  border: 1px solid var(--cream-border);
  box-shadow: var(--shadow-card);
  display: flex;
  flex-direction: column;
  transition: transform var(--transition), box-shadow var(--transition);
  position: relative;
}
.testimonial-card::before {
  content: '"';
  font-family: var(--font-garamond);
  font-size: 5rem;
  color: var(--gold-light);
  opacity: 0.25;
  position: absolute;
  top: 12px; left: 22px;
  line-height: 1;
}
.testimonial-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-card-hover);
}
.testimonial-card-featured {
  background: var(--forest-green);
  border-color: var(--gold);
}
.testimonial-card-featured .testimonial-quote { color: rgba(255,255,255,0.88); }
.testimonial-card-featured .testimonial-name { color: var(--gold-light); }
.testimonial-card-featured .testimonial-detail { color: rgba(255,255,255,0.5); }
.testimonial-card-featured .testimonial-attribution { border-top-color: rgba(255,255,255,0.12); }
.testimonial-card-featured::before { color: var(--gold-light); opacity: 0.18; }

.testimonial-stars {
  display: flex;
  gap: 3px;
  margin-bottom: 16px;
}
.testimonial-stars .fas { color: var(--gold); font-size: 0.82rem; }

.testimonial-quote {
  font-family: var(--font-garamond);
  font-style: italic;
  font-size: 1.02rem;
  line-height: 1.75;
  color: var(--body-text);
  flex: 1;
  margin-bottom: 22px;
}
.testimonial-attribution {
  display: flex;
  flex-direction: column;
  gap: 3px;
  border-top: 1px solid var(--cream-border);
  padding-top: 16px;
}
.testimonial-name {
  font-weight: 700;
  font-size: 0.9rem;
  color: var(--forest-green);
}
.testimonial-detail {
  font-size: 0.8rem;
  color: var(--muted-text);
}

/* ═══════════════════════════════════════════════════════════════
   13. FAQ SECTION
   — solid dark green, NO diagonal stripe
═══════════════════════════════════════════════════════════════ */
.faq-section {
  background: var(--forest-green);
  padding: var(--section-pad) 0;
}
.faq-header {
  text-align: center;
  margin-bottom: 56px;
}
.faq-list {
  max-width: 860px;
  margin: 0 auto;
}

.faq-item {
  border-bottom: 1px solid rgba(255,255,255,0.1);
}
.faq-item:first-child { border-top: 1px solid rgba(255,255,255,0.1); }

.faq-question {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  padding: 22px 0;
  cursor: pointer;
  list-style: none;
  user-select: none;
}
.faq-question::-webkit-details-marker { display: none; }
.faq-question span {
  font-family: var(--font-serif);
  font-size: 1.08rem;
  font-weight: 600;
  color: var(--white);
  line-height: 1.4;
  flex: 1;
  transition: color var(--transition);
}
.faq-question:hover span { color: var(--gold-light); }
.faq-icon {
  color: var(--gold);
  font-size: 0.88rem;
  flex-shrink: 0;
  transition: transform var(--transition);
}
details[open] .faq-icon { transform: rotate(45deg); }
details[open] .faq-question span { color: var(--gold-light); }

.faq-answer {
  padding: 4px 0 24px;
  animation: fadeInFAQ 0.3s ease;
}
.faq-answer p {
  font-size: 0.96rem;
  line-height: 1.84;
  color: rgba(255,255,255,0.72);
}

@keyframes fadeInFAQ {
  from { opacity: 0; transform: translateY(-8px); }
  to { opacity: 1; transform: translateY(0); }
}

/* ═══════════════════════════════════════════════════════════════
   14. SCHEDULE / CALENDLY
═══════════════════════════════════════════════════════════════ */
.schedule-section {
  background: var(--cream);
  padding: var(--section-pad) 0;
}
.schedule-container {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}
.schedule-body {
  font-size: 1.04rem;
  line-height: 1.85;
  color: var(--body-text);
  margin-bottom: 28px;
}
.schedule-list {
  display: flex;
  flex-direction: column;
  gap: 14px;
}
.schedule-list li {
  display: flex;
  align-items: center;
  gap: 14px;
  font-size: 0.96rem;
  font-weight: 600;
  color: var(--forest-green);
}
.schedule-list li .fas {
  color: var(--teal);
  flex-shrink: 0;
}

.calendly-placeholder {
  background: var(--white);
  border-radius: 20px;
  box-shadow: 0 16px 60px rgba(0,0,0,0.1);
  overflow: hidden;
  border: 1px solid var(--cream-border);
}
.calendly-header {
  background: var(--forest-green);
  padding: 30px 40px;
  text-align: center;
}
.calendly-logo {
  height: 50px;
  width: auto;
  margin: 0 auto 14px;
  object-fit: contain;
}
.calendly-header h3 {
  font-family: var(--font-serif);
  font-size: 1.3rem;
  font-weight: 700;
  color: var(--white);
}
.calendly-embed-wrapper { padding: 44px 40px; }
.calendly-mock {
  text-align: center;
  padding: 36px;
  background: var(--cream);
  border-radius: 12px;
  border: 2px dashed var(--cream-border);
}
.calendly-mock-text {
  font-family: var(--font-serif);
  font-size: 1.05rem;
  color: var(--muted-text);
  margin-bottom: 6px;
}
.calendly-mock-sub {
  font-size: 0.82rem;
  color: var(--light-text);
  margin-bottom: 24px;
}
.calendly-btn { display: inline-flex; }

/* ═══════════════════════════════════════════════════════════════
   15. CONTACT FORM
═══════════════════════════════════════════════════════════════ */
.contact-section {
  background: var(--forest-green);
  padding: var(--section-pad) 0;
}
.contact-container {
  display: grid;
  grid-template-columns: 1fr 1.4fr;
  gap: 80px;
  align-items: start;
}
.contact-body {
  font-size: 1.02rem;
  line-height: 1.82;
  color: rgba(255,255,255,0.73);
  margin-bottom: 34px;
}
.contact-details {
  display: flex;
  flex-direction: column;
  gap: 18px;
}
.contact-detail-item {
  display: flex;
  align-items: center;
  gap: 16px;
  color: rgba(255,255,255,0.82);
}
.contact-detail-item .fas {
  width: 36px;
  height: 36px;
  background: rgba(255,255,255,0.1);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.9rem;
  color: var(--gold-light);
  flex-shrink: 0;
}
.contact-detail-item span { font-size: 0.96rem; }

.contact-form {
  background: var(--white);
  border-radius: 20px;
  padding: 44px 44px;
  box-shadow: 0 20px 60px rgba(0,0,0,0.28);
}
.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 18px;
}
.form-group {
  display: flex;
  flex-direction: column;
  gap: 6px;
  margin-bottom: 18px;
}
.form-group label {
  font-size: 0.76rem;
  font-weight: 700;
  letter-spacing: 0.09em;
  text-transform: uppercase;
  color: var(--forest-green);
}
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 12px 16px;
  border: 2px solid var(--cream-border);
  border-radius: 8px;
  font-size: 0.94rem;
  color: var(--dark-text);
  background: var(--off-white);
  transition: border-color var(--transition), box-shadow var(--transition);
  outline: none;
  font-family: var(--font-sans);
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--teal);
  background: var(--white);
  box-shadow: 0 0 0 4px rgba(44,110,107,0.1);
}
.form-group input::placeholder,
.form-group textarea::placeholder { color: var(--light-text); }
.form-group textarea { resize: vertical; min-height: 110px; }

.form-submit-btn {
  width: 100%;
  justify-content: center;
  font-size: 0.93rem;
  padding: 15px;
  margin-bottom: 14px;
}
.form-disclaimer {
  font-size: 0.77rem;
  color: var(--muted-text);
  line-height: 1.6;
  text-align: center;
}
.form-success-msg {
  display: flex;
  align-items: center;
  gap: 10px;
  background: #d4edda;
  color: #155724;
  border-radius: 8px;
  padding: 14px 18px;
  margin-top: 14px;
  font-weight: 600;
  font-size: 0.93rem;
}

/* ═══════════════════════════════════════════════════════════════
   16. FOOTER
═══════════════════════════════════════════════════════════════ */
.site-footer {
  background: var(--dark-text);
  padding: 80px 0 0;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1.4fr;
  gap: 50px;
  margin-bottom: 56px;
}

.footer-logo {
  height: 58px;
  width: auto;
  object-fit: contain;
  margin-bottom: 18px;
  opacity: 0.92;
}
.footer-tagline {
  font-family: var(--font-garamond);
  font-style: italic;
  font-size: 0.97rem;
  color: rgba(255,255,255,0.5);
  line-height: 1.7;
  margin-bottom: 22px;
}
.footer-social {
  display: flex;
  gap: 10px;
}
.footer-social a {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.11);
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255,255,255,0.55);
  font-size: 0.88rem;
  transition: all var(--transition);
}
.footer-social a:hover {
  background: var(--gold);
  border-color: var(--gold);
  color: var(--dark-text);
  transform: translateY(-2px);
}

.footer-col-heading {
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold-light);
  margin-bottom: 18px;
}
.footer-links {
  display: flex;
  flex-direction: column;
  gap: 9px;
}
.footer-links a {
  font-size: 0.87rem;
  color: rgba(255,255,255,0.52);
  transition: color var(--transition);
}
.footer-links a:hover { color: var(--white); }

.footer-cta-btn {
  margin-top: 22px;
  font-size: 0.78rem;
  padding: 11px 22px;
}

.footer-divider {
  height: 1px;
  background: rgba(255,255,255,0.08);
}

.footer-legal {
  padding: 34px 40px;
}
.footer-legal-logos {
  margin-bottom: 18px;
}
.footer-legal-text {
  font-size: 0.75rem;
  line-height: 1.8;
  color: rgba(255,255,255,0.32);
  margin-bottom: 18px;
}
.footer-legal-links {
  display: flex;
  gap: 22px;
  flex-wrap: wrap;
}
.footer-legal-links a {
  font-size: 0.76rem;
  color: rgba(255,255,255,0.42);
  transition: color var(--transition);
}
.footer-legal-links a:hover { color: var(--gold-light); }

/* ═══════════════════════════════════════════════════════════════
   RESPONSIVE — TABLET (max-width: 1024px)
═══════════════════════════════════════════════════════════════ */
@media (max-width: 1024px) {
  :root { --section-pad: 80px; }

  /* Hero — tablet: tighten gap, keep two columns */
  .hero-container { grid-template-columns: 1fr 1fr; gap: 50px; padding-top: 60px; padding-bottom: 70px; }
  .hero-photo-wrap { max-width: 380px; }
  .retirement-intro-container { grid-template-columns: 1fr; gap: 50px; }
  .shield-intro-container { grid-template-columns: 1fr; gap: 50px; }
  .identity-container { grid-template-columns: 1fr; gap: 50px; }
  .schedule-container { grid-template-columns: 1fr; gap: 50px; }
  .contact-container { grid-template-columns: 1fr; gap: 50px; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 36px; }
  .tree-cards-grid { grid-template-columns: repeat(2, 1fr); }
  .shield-cards-grid { grid-template-columns: repeat(2, 1fr); }
  .seminars-cards { grid-template-columns: repeat(2, 1fr); }
  .testimonials-grid { grid-template-columns: repeat(2, 1fr); }
  /* Altitude cards — 2 col on tablet */
  .altitude-cards-grid { grid-template-columns: repeat(2, 1fr); }
  /* Office photos keep 2x2 on tablet */
  .office-photos-container { padding: 36px 32px 40px; }
  .team-card-michael,
  .team-card-stephanie { grid-template-columns: 280px 1fr; }
  .process-flow { flex-wrap: wrap; justify-content: center; gap: 20px; }
  .process-connector { display: none; }
}

/* ═══════════════════════════════════════════════════════════════
   RESPONSIVE — MOBILE (max-width: 768px)
═══════════════════════════════════════════════════════════════ */
@media (max-width: 768px) {
  :root { --section-pad: 60px; }
  .container { padding: 0 22px; }

  /* Nav */
  .nav-toggle { display: flex; }
  .nav-links {
    display: none;
    flex-direction: column;
    position: absolute;
    top: 82px; left: 0; right: 0;
    background: var(--white);
    padding: 16px 22px 28px;
    border-bottom: 2px solid var(--cream-border);
    box-shadow: 0 20px 40px rgba(0,0,0,0.12);
    gap: 2px;
    z-index: 999;
  }
  .nav-links.open { display: flex; }
  .nav-links li a { display: block; width: 100%; padding: 12px 14px; }

  /* Hero — mobile: stack columns, center text */
  .hero-container {
    grid-template-columns: 1fr;
    gap: 44px;
    padding-top: 44px;
    padding-bottom: 56px;
    text-align: center;
  }
  .hero-subtext { max-width: 100%; margin-left: auto; margin-right: auto; }
  .hero-ctas { flex-direction: column; align-items: center; }
  .hero-ctas .btn { justify-content: center; width: 100%; max-width: 320px; }
  .hero-image { align-items: center; }
  .hero-photo-wrap { max-width: 320px; margin: 0 auto; }

  /* Retirement Intro */
  .retirement-intro-container { grid-template-columns: 1fr; gap: 36px; }
  .retirement-intro-text { max-width: 100%; }

  /* Grids → single col */
  .tree-cards-grid { grid-template-columns: 1fr; }
  .shield-cards-grid { grid-template-columns: 1fr; }
  .seminars-cards { grid-template-columns: 1fr; }
  .testimonials-grid { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  /* Altitude & Office Photos → single col on mobile */
  .altitude-cards-grid { grid-template-columns: 1fr; }
  .office-photos-grid { grid-template-columns: 1fr; }
  .office-photos-container { padding: 28px 20px 32px; }

  /* Team */
  .team-card-michael,
  .team-card-stephanie { grid-template-columns: 1fr; }
  /* For Stephanie, reset info order */
  .team-card-stephanie .team-card-info { order: 2; }
  .team-card-stephanie .team-card-photo { order: 1; }
  .team-card-photo { min-height: 260px; }
  .team-card-info { padding: 28px; }
  /* Contact form narrower padding on mobile */
  .contact-form { padding: 28px 24px; }
  /* Process nodes: prevent overflow on small screens */
  .process-node { max-width: 100%; flex: 0 0 130px; }

  /* Footer */
  .footer-grid { grid-template-columns: 1fr; gap: 28px; }
  .footer-legal { padding: 28px 22px; }
  .footer-legal-links { gap: 14px; }
}

/* ─── Utility ────────────────────────────────────────────────── */
[hidden] { display: none !important; }



/* PDF CORRECTION OVERRIDES — updates for threetrees_final_fixed */
.tree-synergy-note {
  max-width: 920px;
  margin: 34px auto 0;
  text-align: center;
  font-family: var(--font-serif);
  font-size: clamp(1.28rem, 2vw, 1.8rem);
  line-height: 1.55;
  color: var(--forest-green);
}
.social-security-card {
  max-width: 420px;
  justify-self: center;
  align-self: center;
  padding: 26px 24px;
  margin-top: 22px;
}
.social-security-card .section-label { margin-bottom: 10px; }
.social-security-card .schedule-list { gap: 12px; margin-top: 8px; }
.social-security-card .schedule-list li {
  align-items: flex-start;
  font-size: 0.95rem;
  line-height: 1.55;
}
.social-security-card .btn {
  width: 100%;
  justify-content: center;
}
.about-page-hero .page-hero-title,
.about-page-hero .page-hero-sub {
  text-shadow: 0 14px 34px rgba(0,0,0,0.35);
}
.about-page-hero .page-hero-sub {
  color: rgba(255,255,255,0.84);
  max-width: 820px;
}
.about-intro-section,
.about-detail-section {
  background: var(--white);
}
.about-policy-panel {
  background: var(--white);
}
.about-detail-section .content-grid {
  align-items: start;
}
.about-equal-heading {
  font-size: clamp(1.85rem, 2.35vw, 2.1rem);
  margin-bottom: 18px;
}
.tax-card-grid {
  display: grid;
  grid-template-columns: repeat(6, minmax(0, 1fr));
  gap: 24px;
  margin-top: 28px;
}
.tax-card-grid .mini-card {
  grid-column: span 2;
}
.tax-card-grid .mini-card:nth-child(4) {
  grid-column: 2 / span 2;
}
.tax-card-grid .mini-card:nth-child(5) {
  grid-column: 4 / span 2;
}
.seminar-learn-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 20px;
  align-items: stretch;
}
.seminar-learn-card {
  background: var(--white);
  border: 1px solid var(--cream-border);
  border-radius: 18px;
  overflow: hidden;
  box-shadow: var(--shadow-card);
  height: 100%;
}
.seminar-learn-tab {
  background: linear-gradient(135deg, var(--gold-light), var(--gold));
  color: var(--dark-text);
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  padding: 12px 18px;
}
.seminar-learn-body {
  padding: 20px 18px 22px;
}
.seminar-learn-body p {
  font-size: 0.95rem;
  line-height: 1.75;
  color: var(--body-text);
}
.seminar-topic {
  font-size: 1rem !important;
  line-height: 1.55 !important;
  margin: 10px 0 12px;
  color: var(--forest-green) !important;
  font-weight: 700;
}
.schedule-call-section {
  border-top: 3px solid var(--forest-green);
  border-bottom: 3px solid var(--forest-green);
}
.schedule-copy {
  max-width: 560px;
}
.schedule-copy .section-heading {
  margin-bottom: 18px;
}
.calendly-mock-text {
  font-size: 1.2rem;
  color: var(--forest-green);
}
.calendly-mock-sub {
  margin-bottom: 28px;
}
.contact-kicker {
  font-family: var(--font-serif);
  font-size: 1.4rem;
  color: var(--white);
  margin: -4px 0 18px;
  line-height: 1.3;
}
.form-card-heading {
  font-family: var(--font-serif);
  font-size: 1.65rem;
  font-weight: 700;
  color: var(--forest-green);
  margin-bottom: 10px;
  line-height: 1.2;
}
.form-card-copy {
  font-size: 0.92rem;
  line-height: 1.7;
  color: var(--muted-text);
  margin-bottom: 24px;
}
.contact-form select {
  appearance: none;
  background-image:
    linear-gradient(45deg, transparent 50%, var(--forest-green) 50%),
    linear-gradient(135deg, var(--forest-green) 50%, transparent 50%);
  background-position:
    calc(100% - 18px) calc(50% - 3px),
    calc(100% - 12px) calc(50% - 3px);
  background-size: 6px 6px, 6px 6px;
  background-repeat: no-repeat;
  padding-right: 40px;
}
@media (max-width: 1100px) {
  .tax-card-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
  .tax-card-grid .mini-card,
  .tax-card-grid .mini-card:nth-child(4),
  .tax-card-grid .mini-card:nth-child(5) {
    grid-column: auto;
  }
}
@media (max-width: 768px) {
  .social-security-card {
    margin-top: 0;
    max-width: 100%;
  }
  .seminar-learn-grid,
  .tax-card-grid {
    grid-template-columns: 1fr;
  }
  .tax-card-grid .mini-card,
  .tax-card-grid .mini-card:nth-child(4),
  .tax-card-grid .mini-card:nth-child(5) {
    grid-column: auto;
  }
}



/* ROUND 2 PUNCH LIST OVERRIDES */
.risk-score-band {
  background: #3F5540;
  padding: 86px 0;
}
.risk-score-grid {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 64px;
  align-items: center;
}
.risk-score-actions {
  display: flex;
  align-items: center;
  gap: 18px;
  flex-wrap: wrap;
  margin-top: 28px;
}
.risk-score-microcopy {
  color: #F5F1E8;
  font-size: 0.9rem;
  letter-spacing: 0.04em;
}
.risk-score-visual {
  display: flex;
  justify-content: center;
}
.sample-risk-gauge {
  width: 320px;
  height: 320px;
  border-radius: 50%;
  background: conic-gradient(#C09C60 0 250deg, rgba(245,241,232,0.12) 250deg 360deg);
  display: grid;
  place-items: center;
  box-shadow: 0 24px 80px rgba(0,0,0,0.24);
  position: relative;
}
.sample-risk-gauge::before {
  content: '';
  position: absolute;
  inset: 28px;
  border-radius: 50%;
  background: #F5F1E8;
}
.sample-risk-gauge-inner {
  position: relative;
  z-index: 1;
  display: flex;
  flex-direction: column;
  align-items: center;
  color: #3F5540;
  text-align: center;
}
.sample-risk-label {
  font-size: 0.75rem;
  font-weight: 800;
  letter-spacing: 0.22em;
  color: #788454;
  margin-bottom: 10px;
}
.sample-risk-number {
  font-family: var(--font-serif);
  font-size: 4.2rem;
  line-height: 1;
  color: #3F5540;
}
.sample-risk-caption {
  margin-top: 8px;
  font-size: 1rem;
  color: var(--forest-green);
}
.greminders-embed {
  padding: 20px;
  background: var(--cream);
}
.greminders-embed iframe {
  width: 100%;
  min-height: 760px;
  border: 0;
  border-radius: 12px;
  background: #fff;
  box-shadow: inset 0 0 0 1px var(--cream-border);
}
@media (max-width: 1100px) {
  .risk-score-grid {
    grid-template-columns: 1fr;
    gap: 40px;
  }
}
@media (max-width: 768px) {
  .sample-risk-gauge {
    width: 260px;
    height: 260px;
  }
  .sample-risk-gauge::before {
    inset: 22px;
  }
  .sample-risk-number {
    font-size: 3.4rem;
  }
  .greminders-embed iframe {
    min-height: 640px;
  }
}


/* TARGETED ANNOTATED CORRECTIONS */
.social-security-grid {
  display: grid;
  grid-template-columns: 1.12fr 0.88fr;
  gap: 64px;
  align-items: start;
}
.social-security-card {
  width: 100%;
  max-width: 338px;
  justify-self: end;
  align-self: start;
  padding: 22px 20px 18px;
  margin-top: 88px;
}
.social-security-card .section-label { margin-bottom: 8px; }
.social-security-card .schedule-list { gap: 10px; margin-top: 8px; }
.social-security-card .schedule-list li {
  font-size: 0.88rem;
  line-height: 1.45;
}
.social-security-card-button-wrap {
  margin-top: 18px;
}
.social-security-card .btn {
  width: 100%;
  justify-content: center;
}
.risk-score-actions {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 0;
  margin-top: 28px;
}
.risk-score-actions .btn {
  text-transform: uppercase;
}
.risk-score-microcopy {
  margin-top: 10px;
  font-size: 0.82rem;
  line-height: 1.45;
  color: #F5F1E8;
  text-align: left;
}
#upcoming-events .mini-cards-3 {
  align-items: stretch;
}
#upcoming-events .mini-card {
  display: flex;
  flex-direction: column;
  height: 100%;
  text-align: left;
}
#upcoming-events .mini-card .btn {
  margin-top: auto !important;
  align-self: flex-start;
}
#upcoming-events .seminar-topic {
  font-weight: 700;
}
@media (max-width: 1024px) {
  .social-security-grid {
    grid-template-columns: 1fr;
    gap: 36px;
  }
  .social-security-card {
    justify-self: start;
    max-width: 360px;
    margin-top: 0;
  }
}
@media (max-width: 768px) {
  .social-security-card {
    max-width: 100%;
  }
}