:root {
      --header-offset: 96px; /* used to prevent anchor jumps from hiding section headers under the sticky nav */
    }

    * {
      margin: 0;
      padding: 0;
      box-sizing: border-box;
    }

    html {
      scroll-behavior: smooth;
    }

    body {
      font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
      line-height: 1.6;
      color: #1a3a52;
      background: linear-gradient(
        to bottom,
        #e8f5e8 0%,
        #d8edd8 20%,
        #c8e5c8 40%,
        #b8ddb8 60%,
        #a8d5a8 80%,
        #98cd98 100%
      );
      background-attachment: fixed;
      min-height: 100vh;
    }

    /* Header */
    header {
      background: #ffffff;
      box-shadow: 0 2px 10px rgba(0, 0, 0, 0.1);
      position: sticky;
      top: 0;
      z-index: 1000;
    }

    nav {
      max-width: 1200px;
      margin: 0 auto;
      display: flex;
      flex-wrap: nowrap;
      align-items: center;
      padding: 1rem 2rem;
      gap: 1rem;
    }

    .nav-content-wrap {
      display: contents;
    }

    .logo-container {
      display: flex;
      align-items: center;
      flex-shrink: 0;
    }

    .logo-container a {
      display: flex;
      align-items: center;
      text-decoration: none;
      cursor: pointer;
      outline: none;
    }

    .logo-container a:focus {
      outline: none;
    }

    /* Hamburger button - hidden by default */
    .hamburger {
      display: none;
      flex-direction: column;
      justify-content: center;
      gap: 5px;
      background: none;
      border: none;
      cursor: pointer;
      padding: 0.5rem;
      z-index: 10;
    }

    .hamburger-line {
      display: block;
      width: 28px;
      height: 3px;
      background: #1a3a52;
      border-radius: 3px;
      transition: transform 0.3s ease, opacity 0.3s ease;
    }

    .hamburger.active .hamburger-line:nth-child(1) {
      transform: translateY(8px) rotate(45deg);
    }

    .hamburger.active .hamburger-line:nth-child(2) {
      opacity: 0;
    }

    .hamburger.active .hamburger-line:nth-child(3) {
      transform: translateY(-8px) rotate(-45deg);
    }

    .nav-links {
      display: flex;
      gap: clamp(0.5rem, 1.5vw, 2rem);
      list-style: none;
      align-items: center;
      margin-left: 0;
      flex-shrink: 1;
      flex-wrap: nowrap;
    }

    .nav-links a {
      text-decoration: none;
      color: #1a3a52;
      font-weight: 500;
      transition: color 0.3s;
      white-space: nowrap;
      font-size: 1rem;
    }

    .nav-links a:hover {
      color: #e8923f;
    }

    .cta-button {
      background: linear-gradient(135deg, #e8923f 0%, #d4832e 100%);
      color: white;
      padding: 0.75rem 1.5rem;
      border-radius: 30px;
      text-decoration: none;
      font-weight: 600;
      transition: transform 0.3s, box-shadow 0.3s;
      box-shadow: 0 4px 15px rgba(232, 146, 63, 0.3);
      display: inline-block;
      white-space: nowrap;
    }

    .cta-button:hover {
      transform: translateY(-2px);
      box-shadow: 0 6px 20px rgba(232, 146, 63, 0.4);
    }

    /* Hero Section */
    .hero {
      background: transparent;
      padding: 3rem 2rem;
      text-align: center;
    }

    .hero-content {
      max-width: 900px;
      margin: 0 auto;
    }

    .hero h1 {
      font-size: 3rem;
      color: #1a3a52;
      margin-bottom: 1.5rem;
      line-height: 1.2;
    }

    .hero-subheadline {
      font-size: 1.2rem;
      color: #4a6278;
      margin-bottom: 2rem;
      line-height: 1.8;
    }

    .hero-story {
      font-style: italic;
      color: #5a7a8f;
      margin: 2rem auto;
      padding: 2rem;
      background: white;
      border-left: 4px solid #e8923f;
      border-radius: 8px;
      max-width: 800px;
      box-shadow: 0 4px 15px rgba(0, 0, 0, 0.05);
    }

    .trust-bullets {
      display: grid;
      grid-template-columns: repeat(2, 1fr);
      gap: 1.5rem;
      margin: 3rem 0;
      text-align: left;
      align-items: stretch;
    }

    .trust-bullet {
      background: white;
      padding: 1.5rem;
      border-radius: 12px;
      box-shadow: 0 4px 15px rgba(0, 0, 0, 0.08);
      display: flex;
      flex-direction: column;
      align-items: flex-start;
      line-height: 1.6;
    }

    .trust-bullet strong {
      color: #2d7a4f;
      font-size: 1.1rem;
      display: inline;
    }

    .hero-ctas {
      display: flex;
      gap: 1rem;
      justify-content: center;
      margin-top: 2rem;
      flex-wrap: wrap;
    }

    .secondary-cta {
      background: white;
      color: #1a3a52;
      padding: 0.75rem 1.5rem;
      border-radius: 30px;
      text-decoration: none;
      font-weight: 600;
      border: 2px solid #1a3a52;
      transition: all 0.3s;
      display: inline-block;
      white-space: nowrap;
    }

    .secondary-cta:hover {
      background: #1a3a52;
      color: white;
    }

    .microcopy {
      font-size: 0.9rem;
      color: #6a8a9f;
      margin-top: 1rem;
      font-style: italic;
    }

    /* Value Strip */
    .value-strip {
      background: linear-gradient(135deg, #1a3a52 0%, #2d5a7a 100%);
      color: white;
      padding: 1.5rem 2rem;
      text-align: center;
      font-weight: 600;
      letter-spacing: 0.5px;
    }

    /* Section Styles */
    section {
      padding: 5rem 2rem;
      max-width: 1200px;
      margin: 0 auto;
    }

    /* Fix: prevent anchor navigation from hiding headings behind sticky header */
    section[id] {
      scroll-margin-top: calc(var(--header-offset) - 36px);
    }

    section h2 {
      font-size: 2.5rem;
      color: #1a3a52;
      margin-bottom: 2rem;
      text-align: center;
    }

    .about-content {
      max-width: 800px;
      margin: 0 auto;
      font-size: 1.1rem;
      line-height: 1.8;
    }

    .about-content p {
      margin-bottom: 1.5rem;
    }

    .section-cta {
      text-align: center;
      margin-top: 2rem;
    }

    /* Who We Help */
    .who-help-intro {
      max-width: 800px;
      margin: 0 auto 3rem;
      font-size: 1.1rem;
      text-align: center;
      color: #4a6278;
    }

    .fit-list {
      max-width: 700px;
      margin: 2rem auto;
      background: white;
      padding: 2rem;
      border-radius: 12px;
      box-shadow: 0 4px 20px rgba(0, 0, 0, 0.08);
    }

    .fit-list li {
      margin-bottom: 1rem;
      color: #4a6278;
      line-height: 1.8;
    }

    .fit-list li::marker {
      color: #e8923f;
    }

    /* Services */
    .services-grid {
      display: grid;
      grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
      gap: 2rem;
      margin-top: 3rem;
      align-items: stretch;
    }

    .service-card {
      background: white;
      padding: 2rem;
      border-radius: 12px;
      box-shadow: 0 4px 20px rgba(0, 0, 0, 0.08);
      border-top: 4px solid #2d7a4f;
      display: flex;
      flex-direction: column;
    }

    .service-card h3 {
      color: #1a3a52;
      font-size: 1.5rem;
      margin-bottom: 1rem;
    }

    .service-card ul {
      list-style: none;
      padding-left: 0;
    }

    .service-card li {
      padding: 0.5rem 0;
      padding-left: 1.5rem;
      position: relative;
      color: #4a6278;
    }

    .service-card li::before {
      content: "✓";
      position: absolute;
      left: 0;
      color: #2d7a4f;
      font-weight: bold;
    }

    .service-note {
      font-style: italic;
      color: #6a8a9f;
      font-size: 0.95rem;
      margin-top: 2rem;
      text-align: center;
    }

    /* Process */
    .process-steps {
      display: grid;
      grid-template-columns: repeat(2, 1fr);
      gap: 2rem;
      margin-top: 3rem;
      align-items: stretch;
    }

    .process-step {
      background: white;
      padding: 2rem;
      border-radius: 12px;
      box-shadow: 0 4px 20px rgba(0, 0, 0, 0.08);
      position: relative;
      display: flex;
      flex-direction: column;
      align-items: flex-start;
    }

    .step-number {
      background: linear-gradient(135deg, #e8923f 0%, #d4832e 100%);
      color: white;
      width: 50px;
      height: 50px;
      border-radius: 50%;
      display: flex;
      align-items: center;
      justify-content: center;
      font-size: 1.5rem;
      font-weight: bold;
      margin-bottom: 1rem;
    }

    .process-step h3 {
      color: #1a3a52;
      font-size: 1.3rem;
      margin-bottom: 1rem;
    }

    .process-step p {
      color: #4a6278;
      line-height: 1.7;
    }

    /* Technology */
    .tech-content {
      max-width: 800px;
      margin: 0 auto 3rem;
      font-size: 1.1rem;
      text-align: center;
      color: #4a6278;
    }

    .tech-benefits {
      display: grid;
      grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
      gap: 1.5rem;
      margin-top: 2rem;
      align-items: stretch;
    }

    .tech-benefit {
      background: #e3f2fd;
      padding: 1.5rem;
      border-radius: 12px;
      box-shadow: 0 4px 15px rgba(0, 0, 0, 0.08);
      text-align: left;
      display: flex;
      flex-direction: column;
    }

    .tech-benefit::before {
      content: "⚡";
      font-size: 2rem;
      display: block;
      margin-bottom: 0.5rem;
    }

    /* FAQ */
    .faq-container {
      max-width: 800px;
      margin: 0 auto;
    }

    .faq-item {
      background: #e3f2fd;
      padding: 2rem;
      margin-bottom: 1rem;
      border-radius: 12px;
      box-shadow: 0 4px 15px rgba(0, 0, 0, 0.08);
    }

    .faq-item h3 {
      color: #1a3a52;
      font-size: 1.2rem;
      margin-bottom: 0.5rem;
    }

    .faq-item p {
      color: #4a6278;
      line-height: 1.7;
    }

    /* Final CTA */
    .final-cta {
      background: linear-gradient(135deg, #f8f9fa 0%, #e8f4f8 100%);
      text-align: center;
      padding: 5rem 2rem;
      max-width: none;
    }

    .final-cta h2 {
      max-width: 800px;
      margin: 0 auto 2rem;
    }

    /* Contact */
    .contact-block {
      background: white;
      padding: 2rem;
      border-radius: 12px;
      max-width: 600px;
      margin: 3rem auto 0;
      box-shadow: 0 4px 20px rgba(0, 0, 0, 0.1);
    }

    .contact-block h3 {
      color: #1a3a52;
      margin-bottom: 1rem;
    }

    .contact-block p {
      color: #4a6278;
      margin-bottom: 0.5rem;
    }

    .contact-block strong {
      color: #1a3a52;
    }

    .contact-link {
      color: #2d7a4f;
      text-decoration: none;
    }

    .contact-link:hover {
      text-decoration: underline;
    }


    /* Wealth Matters */
    .wealth-matters-intro {
      max-width: 800px;
      margin: 0 auto 3rem;
      font-size: 1.1rem;
      text-align: center;
      color: #4a6278;
    }

    .article-tile {
      background: #f0f5fa;
      padding: 2rem;
      border-radius: 12px;
      box-shadow: 0 4px 20px rgba(0, 0, 0, 0.08);
      max-width: 900px;
      margin: 0 auto;
    }

    .article-tile-meta {
      display: flex;
      justify-content: space-between;
      align-items: center;
      margin-bottom: 0.75rem;
    }

    .article-tile-category {
      font-size: 0.8rem;
      font-weight: 700;
      text-transform: uppercase;
      letter-spacing: 1.5px;
      color: #2d7a4f;
    }

    .article-tile-read-time {
      font-size: 0.85rem;
      color: #6a8a9f;
    }

    .article-tile h3 {
      color: #1a3a52;
      font-size: 1.3rem;
      margin-bottom: 0.75rem;
    }

    .article-tile-excerpt {
      color: #4a6278;
      line-height: 1.7;
      margin-bottom: 1rem;
    }

    .article-tile-footer {
      display: flex;
      justify-content: space-between;
      align-items: center;
    }

    .article-tile-author {
      font-size: 0.95rem;
      color: #1a3a52;
      font-weight: 600;
    }

    .article-tile-link {
      color: #e8923f;
      font-weight: 600;
      text-decoration: none;
      cursor: pointer;
    }

    .article-tile-link:hover {
      text-decoration: underline;
    }

    /* Article Modal */
    .article-modal-overlay {
      display: none;
      position: fixed;
      top: 0;
      left: 0;
      width: 100%;
      height: 100%;
      background: rgba(0, 0, 0, 0.6);
      z-index: 2000;
      justify-content: center;
      align-items: center;
      padding: 2rem 1rem;
    }

    .article-modal-overlay.active {
      display: flex;
    }

    .article-modal {
      background: white;
      border-radius: 12px;
      max-width: 800px;
      width: 100%;
      max-height: calc(100vh - 4rem);
      position: relative;
      box-shadow: 0 20px 60px rgba(0, 0, 0, 0.3);
      display: flex;
      flex-direction: column;
      overflow: hidden;
    }

    .article-modal-top {
      flex-shrink: 0;
      padding: 2rem 3rem 0;
      background: white;
      border-radius: 12px 12px 0 0;
      position: relative;
    }

    .article-modal-close {
      position: absolute;
      top: 1rem;
      right: 1.5rem;
      font-size: 1.8rem;
      background: none;
      border: none;
      cursor: pointer;
      color: #6a8a9f;
      line-height: 1;
    }

    .article-modal-close:hover {
      color: #1a3a52;
    }

    .article-modal-header {
      margin-bottom: 0;
      border-bottom: 2px solid #e8f4f8;
      padding-bottom: 1.5rem;
    }

    .article-modal-header h2 {
      text-align: left;
      font-size: 1.8rem;
      margin-bottom: 0.5rem;
    }

    .article-modal-meta {
      color: #6a8a9f;
      font-size: 0.9rem;
    }

    .article-modal-scrollable {
      flex: 1;
      overflow-y: auto;
      padding: 2rem 3rem 3rem;
    }

    .article-modal-body h3 {
      color: #1a3a52;
      font-size: 1.3rem;
      margin: 1.5rem 0 0.75rem;
    }

    .article-modal-body h3:first-child {
      margin-top: 0;
    }

    .article-modal-body p {
      color: #4a6278;
      line-height: 1.8;
      margin-bottom: 1rem;
    }

    .article-modal-body ul {
      margin: 0.5rem 0 1rem 1.5rem;
      color: #4a6278;
      line-height: 1.8;
    }

    .article-modal-body ul li {
      margin-bottom: 0.5rem;
    }

    .article-modal-actions {
      margin-top: 2rem;
      padding-top: 1.5rem;
      border-top: 2px solid #e8f4f8;
      display: flex;
      gap: 1rem;
      justify-content: center;
    }

    .download-pdf-btn {
      display: inline-flex;
      align-items: center;
      gap: 0.5rem;
      background: linear-gradient(135deg, #1a3a52 0%, #2d5a7a 100%);
      color: white;
      padding: 0.75rem 1.5rem;
      border-radius: 30px;
      text-decoration: none;
      font-weight: 600;
      font-size: 1rem;
      border: none;
      cursor: pointer;
      transition: transform 0.2s ease, box-shadow 0.2s ease;
    }

    .download-pdf-btn:hover {
      transform: translateY(-2px);
      box-shadow: 0 4px 12px rgba(0, 0, 0, 0.2);
    }

    /* Footer */
    footer {
      background: #1a3a52;
      color: white;
      padding: 3rem 2rem 2rem;
      text-align: center;
    }

    footer p {
      margin-bottom: 1rem;
      line-height: 1.8;
      max-width: 1000px;
      margin-left: auto;
      margin-right: auto;
    }

    .footer-note {
      font-size: 0.85rem;
      color: #b0c4d0;
      margin-top: 2rem;
    }

    .brokercheck-link {
      display: inline-flex;
      align-items: center;
      gap: 0.5rem;
      margin-top: 1.5rem;
      padding: 0.75rem 1.25rem;
      background: white;
      border-radius: 4px;
      text-decoration: none;
      transition: transform 0.2s ease, box-shadow 0.2s ease;
    }

    .brokercheck-link:hover {
      transform: translateY(-2px);
      box-shadow: 0 4px 12px rgba(0, 0, 0, 0.15);
    }

    .brokercheck-logo {
      height: 30px;
      width: auto;
    }

    /* Responsive - Medium: nav links wrap under logo */
    @media (max-width: 1200px) {
      nav {
        flex-direction: column;
        align-items: center;
      }

      .nav-content-wrap {
        display: flex;
        flex-direction: column;
        align-items: flex-start;
      }

      .logo-container {
        margin-bottom: 0;
      }

      .nav-links {
        flex-wrap: wrap;
        gap: 1rem;
      }
    }

    /* Responsive - Small: hamburger menu */
    @media (max-width: 800px) {
      .hamburger {
        display: flex;
      }

      nav {
        flex-direction: row;
        justify-content: space-between;
        align-items: center;
        flex-wrap: nowrap;
        position: relative;
      }

      .logo-container {
        width: auto;
        margin-bottom: 0;
      }

      .logo-container svg {
        width: 280px;
        height: auto;
      }

      .nav-links {
        display: none;
        flex-direction: column;
        width: auto;
        position: absolute;
        top: 100%;
        right: 0;
        background: white;
        padding: 0.75rem 1.5rem 1rem;
        box-shadow: 0 4px 12px rgba(0, 0, 0, 0.15);
        border-top: 1px solid #e8f4f8;
        border-radius: 0 0 0 12px;
        gap: 0;
        z-index: 999;
      }

      .nav-links.open {
        display: flex;
      }

      .nav-links li {
        width: 100%;
        text-align: right;
        padding: 0.6rem 0;
        border-bottom: 1px solid #f0f5fa;
      }

      .nav-links li:last-child {
        border-bottom: none;
        padding-top: 0.75rem;
      }

      :root {
        --header-offset: 88px;
      }

      .hero h1 {
        font-size: 2rem;
      }

      section {
        padding: 3rem 1rem;
      }

      .trust-bullets,
      .services-grid,
      .process-steps,
      .tech-benefits {
        grid-template-columns: 1fr;
      }

      .article-modal {
        padding: 1.5rem;
      }

      .article-tile-meta {
        flex-direction: column;
        align-items: flex-start;
        gap: 0.25rem;
      }
    }