:root{
  --blue:#0b4f91;
  --blue-dark:#063a70;
  --navy:#082e5b;
  --green:#009b63;
  --green-dark:#007b4f;
  --ink:#0a2f5f;
  --text:#263d57;
  --muted:#6a7788;
  --line:#dfe7ed;
  --soft:#f5f8fb;
  --white:#fff;
  --shadow:0 12px 30px rgba(16,45,75,.12);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--text);background:#fff;line-height:1.55}
img{display:block;max-width:100%}
a{text-decoration:none;color:inherit}
.shell{width:min(1180px,92%);margin:0 auto}
.review-banner{background:#fff2b8;color:#5a4900;text-align:center;font-size:12px;font-weight:800;letter-spacing:.12em;padding:8px 12px}
.site-header{background:#fff;box-shadow:0 2px 16px rgba(0,0,0,.06);position:sticky;top:0;z-index:50}
.nav-shell{display:grid;grid-template-columns:150px 1fr auto;gap:24px;align-items:center;min-height:98px}
.brand img{width:126px;height:126px;object-fit:contain;margin-top:8px;margin-bottom:-36px;position:relative;z-index:4;background:#fff;border-radius:50%}
.site-nav{display:flex;justify-content:center;gap:30px;font-size:14px}
.site-nav a{padding:10px 0;border-bottom:2px solid transparent}
.site-nav a:hover,.page-home .site-nav a[href="index.html"],.page-about .site-nav a[href="about.html"],.page-pricing .site-nav a[href="pricing.html"]{font-weight:700;color:var(--ink);border-color:var(--green)}
.nav-actions{display:flex;align-items:center;gap:18px}
.phone-link{font-weight:800;color:var(--blue)}
.button{display:inline-block;padding:13px 22px;border-radius:8px;font-weight:800;border:1px solid transparent;transition:.2s}
.button:hover{transform:translateY(-1px)}
.button-green{background:linear-gradient(#09ae72,#00935f);color:#fff;box-shadow:0 6px 16px rgba(0,155,99,.20)}
.button-blue{background:linear-gradient(#1267b0,#0b4f91);color:#fff}
.button-outline{background:#fff;color:var(--ink);border-color:#1765aa}
.button-outline-blue{background:#fff;color:var(--blue);border-color:#1765aa}
.button-light{background:#fff;color:var(--ink)}
.nav-button{padding:11px 18px}
.full{width:100%;text-align:center}
.kicker{font-size:12px;letter-spacing:.16em;font-weight:800;color:var(--blue);margin-bottom:12px}
.kicker.green{color:var(--green-dark)}
.kicker.light{color:#fff}
.home-hero{background:linear-gradient(110deg,#f9fbfc 0%,#f9fbfc 52%,#edf3f6 52%,#edf3f6 100%);overflow:hidden}
.home-hero-grid{display:grid;grid-template-columns:1fr 1fr;min-height:590px}
.home-hero-copy{padding:92px 44px 55px 0;align-self:center}
.home-hero-copy h1,.inner-hero h1,.pricing-hero h1,.section-heading h2,.owner-copy h2,.community-section h2,.cta-band h2,.local-copy h2{font-family:Georgia,"Times New Roman",serif;color:var(--ink);line-height:1.02;margin:0}
.home-hero-copy h1{font-size:64px}
.home-hero-copy h2{font-family:Georgia,"Times New Roman",serif;color:var(--ink);font-size:28px;margin:14px 0}
.home-hero-copy p{max-width:560px;font-size:20px}
.button-row{display:flex;gap:16px;flex-wrap:wrap;margin-top:28px}
.home-hero-photo{height:590px;position:relative;overflow:hidden}
.home-hero-photo:after{content:"";position:absolute;right:-80px;bottom:-120px;width:310px;height:310px;background:linear-gradient(145deg,transparent 0 35%,var(--blue) 35% 62%,var(--green) 62%);transform:rotate(8deg);opacity:.95}
.home-hero-photo img{width:100%;height:100%;object-fit:cover;object-position:center top}
.audience-strip{background:#fff;border-bottom:1px solid var(--line)}
.audience-grid{display:grid;grid-template-columns:repeat(4,1fr)}
.audience-item{padding:26px 18px;text-align:center;color:var(--ink);border-right:1px solid var(--line)}
.audience-item:last-child{border-right:0}
.audience-item span{display:block;font-size:30px;margin-bottom:8px}
.audience-item strong{font-size:14px}
.local-section{display:grid;grid-template-columns:1fr 1fr;min-height:390px}
.local-photo img{width:100%;height:100%;object-fit:cover}
.local-copy{padding:58px max(5vw,40px);background:#fff}
.local-copy h2{font-size:44px;margin-bottom:18px}
.local-copy p{max-width:580px}
.testimonial-section{background:linear-gradient(135deg,#0c4e89,#073968);color:#fff;padding:58px 0;position:relative;overflow:hidden}
.testimonial-section:before,.cta-band:before{content:"";position:absolute;left:-50px;bottom:-80px;width:260px;height:260px;background:url("../images/hibiscus.jpg") center/cover no-repeat;opacity:.08;border-radius:50%}
.testimonial{max-width:900px;text-align:center;position:relative;z-index:2}
.quote-mark{font-family:Georgia,serif;font-size:70px;line-height:.8}
blockquote{font-family:Georgia,"Times New Roman",serif;font-style:italic;font-size:22px;line-height:1.5;margin:10px auto 18px;max-width:720px}
.stars{color:#ffc63c;font-size:24px;letter-spacing:2px}
.inner-hero{background:linear-gradient(135deg,#0b4f91,#07457f);color:#fff;padding:58px 0;position:relative;overflow:hidden}
.inner-hero:after{content:"";position:absolute;right:-80px;top:-100px;width:350px;height:350px;border-radius:50%;background:rgba(0,155,99,.17)}
.centered{text-align:center}
.inner-hero h1{color:#fff;font-size:52px}
.inner-hero p{font-size:19px}
.owner-section{padding:38px 0}
.owner-grid{display:grid;grid-template-columns:360px 1fr;gap:50px;align-items:center}
.owner-photo img{width:100%;border-radius:8px}
.owner-copy h2{font-size:40px}
.signature{font-family:cursive;font-size:42px;color:var(--ink);margin-top:18px}
.owner-title{font-size:14px}
.services-section{background:var(--soft);padding:38px 0 50px}
.section-heading h2{font-size:44px}
.service-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.service-card{background:#fff;border:1px solid var(--line);border-radius:8px;padding:26px;text-align:center;box-shadow:0 4px 14px rgba(20,50,80,.05)}
.service-icon{font-size:32px}
.service-card h3{color:var(--ink);margin:10px 0}
.community-section{padding:0 0 48px;background:var(--soft)}
.community-grid{display:grid;grid-template-columns:1fr 1.2fr;background:#fff;border:1px solid var(--line);border-radius:8px;overflow:hidden}
.community-grid img{width:100%;height:100%;object-fit:cover}
.community-grid>div{padding:30px}
.community-section h2{font-size:30px}
.pricing-hero{padding:75px 0 150px;background:url("../images/financial-desk.jpg") center/cover no-repeat;position:relative}
.pricing-hero-overlay{position:absolute;inset:0;background:linear-gradient(90deg,rgba(255,255,255,.97) 0%,rgba(255,255,255,.91) 48%,rgba(255,255,255,.45) 100%)}
.pricing-hero-content{position:relative;z-index:2}
.pricing-hero h1{font-size:54px}
.pricing-hero p{max-width:560px;font-size:18px}
.pricing-cards-section{margin-top:-92px;padding-bottom:45px;position:relative;z-index:3}
.price-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;align-items:stretch}
.price-card{background:#fff;border:1px solid var(--line);border-radius:8px;padding:28px;box-shadow:var(--shadow);position:relative}
.price-card.featured{border:2px solid var(--green);padding-top:42px}
.popular{position:absolute;top:0;left:0;right:0;background:var(--green);color:#fff;text-align:center;padding:7px;border-radius:6px 6px 0 0;font-weight:800;font-size:13px}
.price-card h3{font-family:Georgia,"Times New Roman",serif;color:var(--ink);font-size:24px;text-align:center;margin:0}
.price-sub{text-align:center;color:var(--muted);margin:6px 0}
.price{font-size:34px;font-weight:900;color:var(--ink);text-align:center;margin:10px 0 18px}
.price-card ul{padding-left:22px;min-height:145px}
.price-card li{margin:10px 0}
.price-card li::marker{color:var(--blue)}
.pricing-notes{display:grid;grid-template-columns:1fr 1fr;gap:40px;margin-top:34px}
.pricing-notes h3{font-family:Georgia,"Times New Roman",serif;color:var(--ink)}
.cta-band{background:linear-gradient(135deg,#0b4d89,#073968);color:#fff;padding:58px 0;position:relative;overflow:hidden}
.cta-band h2{color:#fff;font-size:42px}
.centered-buttons{justify-content:center}
.site-footer{background:#062f59;color:#fff;padding:30px 0 18px}
.footer-grid{display:flex;justify-content:space-between;gap:30px}
.footer-right{text-align:right}
.av-credit{color:#bce7d8}
.proprietary-note{margin-top:18px;padding-top:14px;border-top:1px solid rgba(255,255,255,.2);font-size:11px;color:#a8bfd3;text-align:center}
@media(max-width:900px){
  .nav-shell{grid-template-columns:100px 1fr;grid-template-areas:"brand actions" "nav nav";padding:12px 0}
  .brand{grid-area:brand}.brand img{width:92px;height:92px;margin:0}
  .site-nav{grid-area:nav;justify-content:flex-start;overflow-x:auto}.nav-actions{grid-area:actions;justify-content:flex-end}
  .home-hero-grid,.owner-grid,.local-section,.community-grid{grid-template-columns:1fr}
  .home-hero-copy{padding:60px 0 35px}.home-hero-copy h1{font-size:50px}
  .home-hero-photo{height:500px}
  .audience-grid,.service-grid,.price-grid{grid-template-columns:repeat(2,1fr)}
}
@media(max-width:620px){
  .nav-actions .nav-button{display:none}.phone-link{font-size:14px}
  .site-nav{gap:18px;font-size:13px}
  .audience-grid,.service-grid,.price-grid,.pricing-notes{grid-template-columns:1fr}
  .home-hero-copy h1{font-size:42px}
  .inner-hero h1,.pricing-hero h1{font-size:40px}
  .footer-grid{flex-direction:column}.footer-right{text-align:left}
}