:root{--midnight:#03111f;--navy:#061b31;--navy2:#0b2d4a;--blue:#113d63;--gold:#c9a15a;--gold2:#e4c47c;--sand:#efe6d5;--cream:#faf7f0;--ink:#111926;--muted:#667484;--white:#fff;--line:rgba(201,161,90,.35)}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);font-family:Inter,Arial,sans-serif;background:var(--cream)}img{max-width:100%}h1,h2,h3{font-family:Georgia,'Times New Roman',serif;font-weight:400;line-height:.98;margin:0;letter-spacing:-.035em}p{line-height:1.65}.container{width:min(1160px,92vw);margin:auto}.site-header{height:82px;background:rgba(3,17,31,.94);backdrop-filter:blur(14px);display:flex;align-items:center;gap:28px;padding:0 26px;position:sticky;top:0;z-index:30;border-bottom:1px solid rgba(201,161,90,.22);box-shadow:0 18px 45px rgba(0,0,0,.28)}.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:#fff;min-width:260px}.mark{width:46px;height:46px;border:1.5px solid var(--gold);border-radius:50%;display:inline-flex;align-items:center;justify-content:center;color:var(--gold);font-family:Georgia,serif;font-size:18px;letter-spacing:-3px;background:rgba(255,255,255,.03)}.brand-copy strong,.footer-brand strong{display:block;font-family:Georgia,serif;letter-spacing:3px;font-size:18px}.brand-copy em,.footer-brand em{display:block;font-style:normal;letter-spacing:7px;font-size:10px;margin-top:3px;color:rgba(255,255,255,.75)}.nav{display:flex;align-items:center;gap:24px;margin-left:auto}.nav a{color:rgba(255,255,255,.86);text-decoration:none;text-transform:uppercase;font-size:11px;letter-spacing:.9px}.nav a:hover{color:var(--gold2)}.header-cta{background:linear-gradient(135deg,var(--gold),var(--gold2));padding:15px 21px;color:#071624;text-transform:uppercase;text-decoration:none;font-weight:900;font-size:11px;letter-spacing:.8px;box-shadow:0 12px 30px rgba(201,161,90,.24)}.hero{position:relative;min-height:650px;overflow:hidden;background:var(--midnight)}.hero-bg{position:absolute;inset:0;background:linear-gradient(90deg,rgba(3,17,31,.98) 0%,rgba(3,17,31,.92) 29%,rgba(3,17,31,.56) 50%,rgba(3,17,31,.12) 76%),url('../images/hero-coast-clients.jpg') 74% center/cover no-repeat;filter:saturate(1.05) contrast(1.02);transform:scale(1.012)}.hero-shade{position:absolute;inset:0;background:radial-gradient(circle at 75% 24%,rgba(228,196,124,.18),transparent 26%),linear-gradient(0deg,rgba(3,17,31,.98),rgba(3,17,31,0) 45%)}.hero-inner{position:relative;z-index:2;padding:108px 0 92px;color:#fff}.eyebrow{text-transform:uppercase;letter-spacing:2.2px;font-size:12px;font-weight:900;margin:0 0 18px;color:rgba(255,255,255,.78)}.gold{color:var(--gold)}.hero h1{font-size:clamp(54px,7.5vw,102px);max-width:710px}.hero-text{font-size:20px;max-width:620px;margin:24px 0 30px;color:rgba(255,255,255,.88)}.hero-actions{display:flex;gap:14px;flex-wrap:wrap}.btn{display:inline-flex;align-items:center;justify-content:center;min-height:47px;padding:0 28px;text-transform:uppercase;text-decoration:none;font-size:11px;letter-spacing:.8px;font-weight:900;border:0;cursor:pointer}.btn-gold{background:linear-gradient(135deg,var(--gold),var(--gold2));color:#071624}.btn-outline{border:1px solid rgba(255,255,255,.62);color:#fff;background:rgba(255,255,255,.04)}.btn-navy{background:var(--navy);color:#fff}.trust-strip{position:relative;z-index:3;margin-top:-78px;padding:26px 0;color:#fff;display:grid;grid-template-columns:repeat(4,1fr);background:rgba(5,24,43,.86);border:1px solid rgba(201,161,90,.28);box-shadow:0 22px 55px rgba(0,0,0,.36);backdrop-filter:blur(10px)}.trust-strip div{display:grid;grid-template-columns:44px 1fr;align-items:center;padding:0 24px;border-right:1px solid rgba(255,255,255,.12)}.trust-strip div:last-child{border-right:0}.trust-strip span{grid-row:1/3;color:var(--gold);font-family:Georgia,serif;font-size:21px}.trust-strip strong{text-transform:uppercase;font-size:12px;letter-spacing:1.2px}.trust-strip small{font-size:12px;color:rgba(255,255,255,.72)}.section{padding:92px 0}.editorial-grid{display:grid;grid-template-columns:.92fr 1.08fr;gap:76px;align-items:center}.copy-block h2,.center h2,.lifestyle h2{font-size:clamp(35px,4vw,56px)}.copy-block p{color:#2d3947}.image-frame{margin:0;overflow:hidden;box-shadow:0 28px 65px rgba(0,0,0,.22);border:1px solid rgba(201,161,90,.16);background:#111}.image-frame img{display:block;width:100%;height:100%;object-fit:cover}.large{height:390px}.tall{height:330px}.elevated{transform:translateY(-16px)}.intro-panel{background:linear-gradient(180deg,var(--cream),#fff)}.navy{background:radial-gradient(circle at 50% 0,#174a72 0,#071e35 43%,#020d18 100%);color:#fff;position:relative}.navy:before{content:"";position:absolute;inset:0;background:linear-gradient(135deg,rgba(201,161,90,.09),transparent 45%);pointer-events:none}.center{text-align:center;position:relative}.section-lead{max-width:650px;margin:16px auto 32px;color:rgba(255,255,255,.82)}.solution-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin:38px 0 8px;text-align:left}.solution-card{background:rgba(255,255,255,.97);color:var(--ink);box-shadow:0 24px 45px rgba(0,0,0,.28);border:1px solid rgba(201,161,90,.24);transition:.2s ease}.solution-card:hover{transform:translateY(-5px)}.solution-card img{width:100%;height:138px;object-fit:cover;display:block;filter:saturate(1.05)}.solution-card div{padding:21px 20px 24px}.solution-card h3{font-family:Georgia,serif;font-size:22px;letter-spacing:-.02em}.solution-card p{font-size:14px;margin:10px 0 0;color:#324051;line-height:1.5}.advisor{background:#fff}.advisor-grid{display:grid;grid-template-columns:.9fr 1.05fr .92fr;gap:58px;align-items:center}.advisor-list{list-style:none;margin:0;padding:0;border-left:1px solid var(--line)}.advisor-list li{padding:16px 0 16px 52px;position:relative;color:#263341}.advisor-list li:before{content:'◆';position:absolute;left:20px;color:var(--gold);font-size:12px}.dark-photo{background:linear-gradient(rgba(3,17,31,.92),rgba(3,17,31,.92)),url('../images/hero-coast-clients.jpg') center/cover fixed;color:#fff}.lifestyle-grid{display:grid;grid-template-columns:1.1fr .7fr .7fr;gap:24px;align-items:stretch}.lifestyle-grid p{color:rgba(255,255,255,.82)}.lifestyle .image-frame{height:270px}.soft{background:linear-gradient(180deg,#f6efe3,#fff)}.testimonial-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:34px}.testimonial-grid blockquote{margin:0;background:#fff;padding:30px;text-align:left;box-shadow:0 16px 38px rgba(20,30,40,.12);border:1px solid #e7dccb}.testimonial-grid p{font-size:15px;color:#253241}.testimonial-grid p:before{content:'“';font-size:46px;color:var(--gold);line-height:0;margin-right:7px}.testimonial-grid cite{font-style:normal;color:var(--muted);font-size:13px;text-transform:uppercase;letter-spacing:.8px}.contact-band{position:relative;background:var(--midnight);color:#fff;overflow:hidden}.band-image{position:absolute;inset:0;background:linear-gradient(90deg,rgba(3,17,31,.32),rgba(3,17,31,.96) 37%,rgba(3,17,31,.98)),url('../images/cta-estate.jpg') left center/auto 100% no-repeat}.contact-wrap{position:relative;z-index:2;display:grid;grid-template-columns:1fr 460px;gap:58px;align-items:center;padding:58px 0}.contact-wrap h2{font-size:clamp(32px,3.8vw,52px);font-family:Georgia,serif;font-weight:400;line-height:1}.contact-wrap p{color:rgba(255,255,255,.8)}.contact-form{display:grid;grid-template-columns:1fr 1fr;gap:12px}.contact-form textarea,.contact-form button{grid-column:1/-1}.contact-form input,.contact-form textarea{width:100%;border:1px solid rgba(255,255,255,.18);background:rgba(255,255,255,.96);padding:14px 15px;font:inherit;color:#13202e}.footer{background:#071624;color:#d9e1ea}.footer-grid{display:grid;grid-template-columns:1.25fr .75fr 1fr 1fr;gap:36px;padding:40px 0}.footer a{display:block;color:#d9e1ea;text-decoration:none;margin:7px 0}.footer h4{text-transform:uppercase;letter-spacing:1.2px;font-size:12px;margin:0 0 10px;color:var(--gold)}.footer p{font-size:13px;margin:0;color:rgba(255,255,255,.72)}.footer-brand{display:flex;align-items:center;gap:12px}.footer-brand .mark{flex:0 0 46px}.fine-print{border-top:1px solid rgba(255,255,255,.12);padding:15px 0 26px;color:rgba(255,255,255,.52);font-size:12px}@media(max-width:980px){.site-header{height:auto;flex-wrap:wrap;padding:16px}.brand{min-width:0}.nav{order:3;width:100%;overflow:auto;gap:18px}.header-cta{margin-left:auto}.hero{min-height:560px}.hero-inner{padding:70px 0 95px}.trust-strip,.solution-grid,.testimonial-grid,.editorial-grid,.advisor-grid,.contact-wrap,.footer-grid,.lifestyle-grid{grid-template-columns:1fr}.trust-strip{margin-top:0}.trust-strip div{border-right:0;border-bottom:1px solid rgba(255,255,255,.12);padding:14px 22px}.large,.tall,.lifestyle .image-frame{height:270px}.elevated{transform:none}.contact-form{grid-template-columns:1fr}.hero-bg{background-position:68% center}.section{padding:64px 0}}


/* Sub-page and compliance enhancements */
.solution-card{display:block;text-decoration:none}.solution-card:hover h3{color:#0b2d4a}.subhero{min-height:520px}.subhero .hero-inner{padding:92px 0 82px}.subhero h1{font-size:clamp(48px,6.4vw,88px);max-width:860px}.subnav{background:#071624;border-top:1px solid rgba(201,161,90,.2);border-bottom:1px solid rgba(201,161,90,.2)}.subnav .container{display:flex;gap:20px;overflow:auto;padding:16px 0}.subnav a{color:rgba(255,255,255,.82);text-decoration:none;text-transform:uppercase;font-size:11px;letter-spacing:.9px;white-space:nowrap}.subnav a:hover{color:var(--gold2)}.content-grid{display:grid;grid-template-columns:1.12fr .88fr;gap:70px;align-items:start}.kicker{font-size:18px;color:#263341;margin-top:0}.detail-list{display:grid;gap:14px;margin-top:28px}.detail-list article{background:#fff;border:1px solid #eadfce;padding:24px 26px;box-shadow:0 14px 36px rgba(20,30,40,.08)}.detail-list h3{font-size:25px;margin-bottom:8px}.detail-list p{margin:0;color:#3a4653}.side-card{background:#071624;color:#fff;padding:34px;border:1px solid rgba(201,161,90,.32);box-shadow:0 24px 55px rgba(0,0,0,.18);position:sticky;top:108px}.side-card h3{font-size:32px}.side-card p,.side-card li{color:rgba(255,255,255,.78)}.side-card ul{padding-left:18px}.process-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.process-card{background:#fff;padding:30px;border:1px solid #e9ddca;box-shadow:0 18px 42px rgba(20,30,40,.1)}.process-card span{display:block;color:var(--gold);font-family:Georgia,serif;font-size:32px;margin-bottom:12px}.process-card h3{font-size:25px}.scenario-band{background:linear-gradient(135deg,#061b31,#020d18);color:#fff}.scenario-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}.scenario-grid div{padding:24px;border:1px solid rgba(201,161,90,.25);background:rgba(255,255,255,.05)}.scenario-grid h3{font-size:24px}.scenario-grid p{color:rgba(255,255,255,.78);margin-bottom:0}.disclosures{background:#f5efe5;color:#263341;border-top:1px solid #e6dac8}.disclosures .container{padding:30px 0}.disclosures h2{font-size:24px;letter-spacing:-.01em;margin-bottom:12px}.disclosures p{font-size:12px;line-height:1.6;color:#495564;margin:8px 0}.eho{display:inline-flex;align-items:center;gap:10px;margin:6px 0 8px}.eho-mark{width:36px;height:30px;border:2px solid #263341;position:relative;display:inline-block}.eho-mark:before{content:"";position:absolute;left:5px;right:5px;top:-9px;height:18px;border-left:2px solid #263341;border-top:2px solid #263341;transform:rotate(45deg)}.eho-mark:after{content:"";position:absolute;left:10px;right:10px;bottom:0;height:13px;border:2px solid #263341;border-bottom:0}.footer .compliance-note{font-size:11px;line-height:1.5}.footer .eho{color:#d9e1ea}.footer .eho-mark{border-color:#d9e1ea;transform:scale(.72);margin-right:-4px}.footer .eho-mark:before,.footer .eho-mark:after{border-color:#d9e1ea}@media(max-width:980px){.content-grid,.process-grid,.scenario-grid{grid-template-columns:1fr}.side-card{position:static}.subhero{min-height:440px}}

.form-disclosure,
.nmls-line {
  font-size: 0.78rem;
  line-height: 1.45;
  letter-spacing: .01em;
  opacity: .82;
  margin-top: 0.85rem;
}
.nmls-line {
  padding-top: 0.9rem;
  border-top: 1px solid rgba(255,255,255,.18);
}

/* Visual refinement pass: tighter focal points, richer coastal contrast, controlled image scale */
.hero-bg{background-position:72% center;filter:saturate(1.12) contrast(1.08) brightness(.96);transform:scale(1.004)}
.image-frame img,.solution-card img{filter:saturate(1.08) contrast(1.04);backface-visibility:hidden;transform:translateZ(0)}
.lifestyle .image-frame{height:300px;border-radius:2px;box-shadow:0 34px 78px rgba(0,0,0,.34)}
.lifestyle .image-frame:nth-of-type(1) img{object-position:center 54%}
.lifestyle .image-frame:nth-of-type(2) img{object-position:center 42%}
.solution-card img[src*="golf"]{object-position:center 40%}
.solution-card img[src*="estate"]{object-position:center 48%}
.solution-card img[src*="library"]{object-position:center 50%}
.solution-card img[src*="advisor"]{object-position:center 46%}
.dark-photo{background-attachment:scroll;background-position:center 38%;}
.band-image{background-size:cover;background-position:left center;filter:saturate(1.08) contrast(1.05)}
.image-frame{position:relative;isolation:isolate}
.image-frame:after{content:"";position:absolute;inset:0;pointer-events:none;background:linear-gradient(180deg,rgba(255,255,255,.02),rgba(3,17,31,.10));mix-blend-mode:multiply}
.footer a[href^="tel:"]{display:inline;color:#d9e1ea;text-decoration:none;margin:0}
.nmls-line{border-left:2px solid var(--gold);padding-left:16px;margin-top:22px}
@media(min-width:981px){.solution-card img{height:152px}.large{height:420px}.tall{height:350px}}