@import url('https://fonts.googleapis.com/css2?family=Cormorant+Garamond:wght@500;600;700&family=DM+Sans:wght@400;500;600;700&family=Allura&display=swap');
:root{--ink:#332919;--olive:#999b80;--olive2:#b1b19a;--cream:#f7f3eb;--paper:#fffdf9;--gold:#caa548;--line:#d8d0c2;--dark:#493a25;--muted:#6d665d}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);font-family:'DM Sans',Arial,sans-serif;background:var(--paper);line-height:1.55}a{color:inherit;text-decoration:none}img{max-width:100%;display:block}.container{width:min(1180px,92%);margin:auto}.top{position:sticky;top:0;z-index:20;background:rgba(255,253,249,.96);border-bottom:1px solid #eee8dd;backdrop-filter:blur(10px)}.nav{height:102px;display:flex;align-items:center;gap:28px}.brand img{/*width:230px;*/height:104px;object-fit:contain;object-position:left center}.links{display:flex;align-items:center;gap:26px;margin-left:auto;font-size:14px;font-weight:600}.links a:hover,.links a.active{color:#a57b1c}.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:13px 21px;border-radius:8px;border:1px solid var(--dark);background:var(--dark);color:white;font-weight:700;font-size:14px}.btn.light{background:var(--paper);color:var(--ink);border-color:#cfc4b1}.btn.gold{background:var(--gold);border-color:var(--gold);color:#fff}.menu{display:none;margin-left:auto;border:0;background:none;font-size:26px}.hero{background:linear-gradient(90deg,#f5f1e7 0%,#f8f5ee 47%,#e8dcc8 100%);overflow:hidden}.hero-grid{display:grid;grid-template-columns:1fr 1.15fr;min-height:500px}.hero-copy{padding:72px 24px 60px 0;align-self:center}.eyebrow{text-transform:uppercase;letter-spacing:.2em;font-size:12px;font-weight:700}.hero h1,.page-hero h1,.section-title{font-family:'Cormorant Garamond',Georgia,serif;font-weight:600;line-height:.98;margin:0}.hero h1{font-size:62px}.script{font-family:'Allura',cursive;font-weight:400;font-size:1.08em}.goldline{width:54px;height:2px;background:var(--gold);margin:24px 0}.lead{font-size:18px;max-width:560px}.actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:28px}.hero-photo{min-height:500px;background:url('../images/nicole.jpg') center 37%/cover no-repeat}.trust{background:linear-gradient(90deg,#93977c,#a7a890);color:#fff}.trust-grid{display:grid;grid-template-columns:repeat(4,1fr)}.trust-item{text-align:center;padding:28px 18px;border-right:1px solid rgba(255,255,255,.22)}.trust-item:last-child{border-right:0}.trust-icon{font-size:30px}.trust-item strong{display:block;margin:6px}.trust-item span{font-size:13px;opacity:.95}.section{padding:64px 0}.section.soft{background:#f7f3eb}.section-head{text-align:center;margin-bottom:30px}.section-title{font-size:43px}.cards{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}.card{border:1px solid var(--line);border-radius:10px;overflow:hidden;background:#fff;box-shadow:0 5px 18px rgba(51,41,25,.04)}.card-art{height:165px;background:linear-gradient(135deg,#ddd1bb,#8f947c);position:relative}.card-art:after{content:'';position:absolute;inset:0;background:radial-gradient(circle at 70% 30%,rgba(255,214,130,.75),transparent 34%),linear-gradient(35deg,rgba(62,53,37,.3),transparent)}.card-body{padding:24px;text-align:center}.card h3{font-size:20px;margin:0 0 8px}.card p{font-size:14px;color:#5f594f;min-height:64px}.text-link{font-weight:700;font-size:13px}.about-split{display:grid;grid-template-columns:.8fr 1.2fr;gap:42px;align-items:center}.about-image{min-height:350px;border-radius:12px;background:linear-gradient(rgba(45,37,24,.08),rgba(45,37,24,.08)),url('../images/nicole.jpg') center 35%/cover}.quote{background:#fff;padding:30px;border-radius:12px;border:1px solid var(--line);font-family:'Cormorant Garamond',serif;font-size:25px}.cta{background:linear-gradient(90deg,#92967c,#b0b09a);color:white;padding:28px 0}.cta-row{display:flex;align-items:center;justify-content:space-between;gap:25px}.cta h2{font-family:'Cormorant Garamond',serif;font-size:34px;margin:0}.areas{display:grid;grid-template-columns:repeat(4,1fr);gap:15px}.area{padding:24px;border:1px solid var(--line);border-radius:10px;background:#fff}.area h3{font-family:'Cormorant Garamond',serif;font-size:26px;margin:0 0 8px}.page-hero{padding:80px 0;background:linear-gradient(120deg,#f7f2e8,#e7ddca)}.page-hero h1{font-size:58px}.page-hero p{max-width:700px;font-size:18px}.content-grid{display:grid;grid-template-columns:1.25fr .75fr;gap:50px}.prose h2{font-family:'Cormorant Garamond',serif;font-size:38px;margin:10px 0}.prose h3{font-size:20px;margin-top:28px}.prose p,.prose li{color:#5c554b}.feature-list{padding-left:20px}.sidebox{background:#f3eee3;border:1px solid var(--line);border-radius:12px;padding:28px;height:max-content}.sidebox h3{font-family:'Cormorant Garamond',serif;font-size:28px;margin-top:0}.contact-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:40px}.contact-card,.form-card{border:1px solid var(--line);border-radius:12px;padding:30px;background:#fff}.contact-card h2,.form-card h2{font-family:'Cormorant Garamond',serif;font-size:34px;margin-top:0}.contact-line{margin:16px 0}.form-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}label{display:block;font-size:13px;font-weight:700;margin:0 0 6px}input,select,textarea{width:100%;padding:13px;border:1px solid #cfc6b8;border-radius:7px;background:#fff;font:inherit}textarea{min-height:130px;resize:vertical}.field{margin-bottom:16px}.notice{font-size:12px;color:#777}.footer{background:#51442d;color:#fff;padding:42px 0 18px}.footer-grid{display:grid;grid-template-columns:1.2fr .7fr 1fr .8fr;gap:35px}.footer-logo{width:240px;filter:brightness(0) invert(1);opacity:.95}.footer h4{margin:0 0 12px;font-size:13px;text-transform:uppercase;letter-spacing:.08em}.footer p,.footer a{font-size:13px;opacity:.92}.footer a{display:block;margin:5px 0}.copyright{border-top:1px solid rgba(255,255,255,.25);margin-top:28px;padding-top:15px;font-size:12px;opacity:.8}.badge{display:inline-block;background:#eee4ce;color:#6d5621;padding:5px 9px;border-radius:999px;font-size:12px;font-weight:700}.note{padding:14px;border-left:3px solid var(--gold);background:#faf6ec}.mobile-only{display:none}@media(max-width:900px){.links{display:none;position:absolute;left:0;right:0;top:82px;background:#fff;padding:20px 4%;flex-direction:column;align-items:flex-start;border-bottom:1px solid var(--line)}.links.open{display:flex}.menu{display:block}.nav>.btn{display:none}.hero-grid{grid-template-columns:1fr}.hero-copy{padding:55px 0}.hero h1{font-size:48px}.hero-photo{min-height:420px}.trust-grid,.cards,.areas{grid-template-columns:repeat(2,1fr)}.about-split,.content-grid,.contact-grid{grid-template-columns:1fr}.footer-grid{grid-template-columns:1fr 1fr}.cta-row{align-items:flex-start;flex-direction:column}}@media(max-width:560px){.brand img{width:290px}.hero h1,.page-hero h1{font-size:42px}.section-title{font-size:36px}.trust-grid,.cards,.areas,.footer-grid,.form-row{grid-template-columns:1fr}.trust-item{border-right:0;border-bottom:1px solid rgba(255,255,255,.2)}.hero-photo{min-height:340px}.section{padding:48px 0}}

/* v2 refinements */
.dropdown{position:relative;display:flex;align-items:center}.dropbtn{appearance:none;border:0;background:transparent;color:inherit;font:inherit;font-weight:600;padding:0;cursor:pointer}.dropbtn:after{content:' ▾';font-size:11px}.dropbtn:hover,.dropbtn.active{color:#a57b1c}.dropdown-menu{position:absolute;top:calc(100% + 18px);left:-18px;min-width:190px;padding:10px;background:#fff;border:1px solid #eee8dd;border-radius:10px;box-shadow:0 14px 35px rgba(51,41,25,.14);opacity:0;visibility:hidden;transform:translateY(8px);transition:.2s ease}.dropdown-menu a{display:block;padding:9px 10px;border-radius:6px;white-space:nowrap}.dropdown-menu a:hover,.dropdown-menu a.active{background:#f7f3eb;color:#a57b1c}.dropdown:hover .dropdown-menu,.dropdown.open .dropdown-menu{opacity:1;visibility:visible;transform:translateY(0)}
.hero-photo{position:relative;margin-left:-72px;min-width:calc(100% + 72px);-webkit-mask-image:linear-gradient(to right,transparent 0%,rgba(0,0,0,.2) 5%,#000 20%,#000 100%);mask-image:linear-gradient(to right,transparent 0%,rgba(0,0,0,.2) 5%,#000 20%,#000 100%);background-position:center 34%}.hero-copy{position:relative;z-index:2}.card-art{background-size:cover;background-position:center}.card-art:after{display:none}.card-art-medicare{background-image:url('../images/medicare.jpg')}.card-art-aca{background-image:url('../images/aca.jpg')}.card-art-life{background-image:url('../images/life.jpg')}.card-art-dental{background-image:url('../images/dental.jpg')}
@media(max-width:900px){.dropdown{width:100%;display:block}.dropbtn{width:100%;text-align:left}.dropdown-menu{position:static;display:none;opacity:1;visibility:visible;transform:none;box-shadow:none;border:0;border-left:2px solid var(--gold);border-radius:0;margin:8px 0 0 6px;padding:4px 0 4px 12px}.dropdown.open .dropdown-menu{display:block}.hero-photo{margin-left:0;min-width:100%;-webkit-mask-image:linear-gradient(to bottom,transparent 0%,#000 16%,#000 100%);mask-image:linear-gradient(to bottom,transparent 0%,#000 16%,#000 100%)}}