*{margin:0;padding:0;box-sizing:border-box;}
:root{--blue:#29ABE2;--orange:#F26522;--navy:#0A3F6A;--dark:#1A1A1A;--gray:#505050;--light:#F7F8FA;--white:#ffffff;}
body{font-family:'Inter',sans-serif;color:var(--dark);background:var(--white);font-size:16px;}
a{text-decoration:none;color:inherit;}
/* NAV WITH DROPDOWNS */
nav{background:var(--white);padding:0;display:flex;align-items:center;justify-content:space-between;border-bottom:2px solid #E8E8E8;height:88px;position:sticky;top:0;z-index:300;box-shadow:0 2px 12px rgba(0,0,0,0.05);}
.nav-inner{max-width:1200px;margin:0 auto;padding:0 60px;width:100%;display:flex;align-items:center;justify-content:space-between;height:88px;box-sizing:border-box;}
.logo-wrap{display:flex;align-items:center;gap:14px;flex-shrink:0;}
.logo-bubble{width:50px;height:50px;border-radius:50%;background:linear-gradient(to bottom,#0A3F6A 0%,#7DD8F5 100%);display:flex;align-items:center;justify-content:center;font-family:'Playfair Display',serif;font-size:14px;color:white;font-weight:700;letter-spacing:1px;position:relative;overflow:hidden;}
.logo-bubble::before{content:'';position:absolute;inset:0;background:repeating-linear-gradient(0deg,transparent,transparent 6px,rgba(255,255,255,0.07) 6px,rgba(255,255,255,0.07) 7px),repeating-linear-gradient(90deg,transparent,transparent 6px,rgba(255,255,255,0.07) 6px,rgba(255,255,255,0.07) 7px);}
.logo-text{font-family:'Playfair Display',serif;font-size:24px;color:var(--dark);}
.logo-text span{color:var(--orange);}
.nav-links{display:flex;gap:0;list-style:none;margin-left:48px;}
.nav-links li{position:relative;}
.nav-links li>a,.nav-links li>span{font-size:16px;font-weight:500;color:#222;padding:0 20px;height:88px;display:flex;align-items:center;border-bottom:3px solid transparent;transition:color 0.15s,border-color 0.15s;cursor:pointer;white-space:nowrap;gap:5px;}
.nav-links li>a:hover,.nav-links li>span:hover{color:var(--orange);border-bottom-color:var(--orange);}
.nav-links li>a.active{color:var(--orange);border-bottom-color:var(--orange);font-weight:600;}
.dropdown{display:none;position:absolute;top:88px;left:0;background:white;border:1px solid #E8E8E8;border-top:3px solid var(--orange);border-radius:0 0 10px 10px;min-width:230px;box-shadow:0 8px 24px rgba(0,0,0,0.1);z-index:400;padding:8px 0;}
.nav-links li:hover .dropdown{display:block;}
.dropdown a{font-size:14px;font-weight:400;color:#333;padding:10px 22px;height:auto;border-bottom:none;display:block;transition:background 0.12s,color 0.12s;}
.dropdown a:hover{background:#F7F8FA;color:var(--orange);}
.dropdown-section{font-size:10px;font-weight:700;color:#AAA;letter-spacing:2px;text-transform:uppercase;padding:10px 22px 4px;}
.dropdown-divider{height:1px;background:#F0F0F0;margin:6px 0;}
.chevron{font-size:10px;opacity:0.5;}
.nav-cta{background:var(--orange);color:white;padding:12px 26px;border-radius:6px;font-size:15px;font-weight:600;cursor:pointer;border:none;flex-shrink:0;}
/* PAGE HERO */
.page-hero{background:linear-gradient(135deg,#0A3F6A 0%,#1a5c8a 100%);padding:80px 0;position:relative;overflow:hidden;}
.page-hero::before{content:'';position:absolute;inset:0;background:repeating-linear-gradient(0deg,transparent,transparent 30px,rgba(255,255,255,0.02) 30px,rgba(255,255,255,0.02) 31px),repeating-linear-gradient(90deg,transparent,transparent 30px,rgba(255,255,255,0.02) 30px,rgba(255,255,255,0.02) 31px);}
.page-hero-inner{max-width:1100px;margin:0 auto;padding:0 60px;box-sizing:border-box;position:relative;z-index:1;}
.page-hero h1{font-family:'Playfair Display',serif;font-size:48px;color:white;margin-bottom:16px;line-height:1.15;}
.page-hero p{color:rgba(255,255,255,0.72);font-size:16px;line-height:1.75;}
/* SECTION COMMON */
.section-label{font-size:10px;font-weight:700;letter-spacing:3px;color:var(--blue);margin-bottom:12px;text-transform:uppercase;display:block;}
/* MISSION */
.mission{padding:80px 0;background:white;}
.mission-inner{max-width:1100px;margin:0 auto;padding:0 60px;box-sizing:border-box;}
.mission h2{font-family:'Playfair Display',serif;font-size:38px;color:var(--dark);margin-bottom:24px;line-height:1.2;}
.mission p{font-size:16px;color:var(--gray);line-height:1.85;margin-bottom:18px;}
.mission-stats{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:48px;}
.stat-card{background:var(--light);border-radius:12px;padding:24px 28px;border:1px solid #E8E8E8;}
.stat-num{font-family:'Playfair Display',serif;font-size:40px;color:var(--orange);font-weight:700;margin-bottom:8px;}
.stat-label{font-size:14px;color:var(--gray);line-height:1.5;}
/* HOW WE HELP INVESTORS */
.how-investors{padding:80px 0;background:var(--light);}
.how-inner{max-width:1100px;margin:0 auto;padding:0 60px;box-sizing:border-box;}
.how-inner h2{font-family:'Playfair Display',serif;font-size:38px;color:var(--dark);margin-bottom:20px;}
.how-intro{font-size:16px;color:var(--gray);line-height:1.85;margin-bottom:40px;}
.how-grid{display:grid;grid-template-columns:1fr 1fr;gap:28px;}
.how-card{background:white;border-radius:12px;padding:32px;border:1px solid #E8E8E8;}
.how-card h4{font-family:'Playfair Display',serif;font-size:20px;color:var(--dark);margin-bottom:12px;}
.how-card p{font-size:14px;color:var(--gray);line-height:1.8;margin-bottom:12px;}
/* HOW WE RATE */
.how-rate{padding:80px 0;background:white;}
.how-rate-inner{max-width:1100px;margin:0 auto;padding:0 60px;box-sizing:border-box;}
.how-rate-inner h2{font-family:'Playfair Display',serif;font-size:38px;color:var(--dark);margin-bottom:20px;}
.how-rate-intro{font-size:16px;color:var(--gray);line-height:1.85;margin-bottom:40px;}
.rate-grid{display:grid;grid-template-columns:1fr 1fr;gap:0 60px;}
.rate-card{padding:20px 0;border-bottom:1px solid #F0F0F0;}
.rate-num{font-family:'Playfair Display',serif;font-size:48px;color:var(--blue);font-weight:700;opacity:0.3;margin-bottom:8px;line-height:1;}
.rate-card h4{font-family:'Playfair Display',serif;font-size:18px;color:var(--dark);margin-bottom:10px;}
.rate-card p{font-size:13px;color:var(--gray);line-height:1.75;}
/* VALUES */
.values{padding:80px 0;background:var(--navy);}
.values-inner{max-width:1100px;margin:0 auto;padding:0 60px;box-sizing:border-box;}
.values h2{font-family:'Playfair Display',serif;font-size:38px;color:white;margin-bottom:10px;}
.values-sub{color:rgba(255,255,255,0.55);font-size:15px;margin-bottom:48px;}
.values-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;}
.value-card{background:rgba(255,255,255,0.06);border:1px solid rgba(255,255,255,0.1);border-radius:12px;padding:28px;}
.value-title{font-family:'Playfair Display',serif;font-size:17px;color:white;margin-bottom:10px;border-left:3px solid var(--orange);padding-left:12px;}
.value-desc{font-size:13px;color:rgba(255,255,255,0.55);line-height:1.75;}
/* LEADERSHIP */
.leadership{width:100%;padding:80px 0;background:white;}
.leadership-inner{max-width:100%;}
.leadership h2{font-family:'Playfair Display',serif;font-size:38px;color:var(--dark);margin-bottom:10px;}
.leadership-sub{font-size:16px;color:var(--gray);line-height:1.75;margin-bottom:56px;max-width:640px;}
/* CEO   full width centered */
.ceo-wrap{text-align:center;margin-bottom:64px;padding-bottom:64px;border-bottom:1px solid #E8E8E8;max-width:100%;}
.ceo-name{font-family:'Playfair Display',serif;font-size:30px;color:var(--dark);margin-bottom:6px;}
.ceo-title{font-size:14px;color:var(--blue);font-weight:600;letter-spacing:0.5px;margin-bottom:24px;}
.ceo-bio{font-size:15px;color:var(--gray);line-height:1.85;max-width:680px;margin:0 auto;}
/* TEAM GRID   2 per row like SmartAsset */
.team-grid{display:grid;grid-template-columns:1fr 1fr;gap:40px;}
.team-member{}
.team-member{text-align:center;padding:20px 0;}
.team-name{font-family:'Playfair Display',serif;font-size:22px;color:var(--dark);margin-bottom:6px;}
.team-title{font-size:13px;color:var(--blue);font-weight:600;letter-spacing:0.5px;margin-bottom:18px;font-style:italic;}
.team-bio{font-size:14px;color:var(--gray);line-height:1.8;}
/* CTA BANNER */
.cta-banner{padding:60px 0;background:linear-gradient(135deg,#0A3F6A,#1a5c8a);position:relative;overflow:hidden;}
.cta-banner::before{content:'';position:absolute;inset:0;background:repeating-linear-gradient(0deg,transparent,transparent 30px,rgba(255,255,255,0.02) 30px,rgba(255,255,255,0.02) 31px),repeating-linear-gradient(90deg,transparent,transparent 30px,rgba(255,255,255,0.02) 30px,rgba(255,255,255,0.02) 31px);}
.cta-banner-inner{max-width:920px;margin:0 auto;display:flex;align-items:center;justify-content:space-between;position:relative;z-index:1;gap:40px;}
.cta-banner-left h2{font-family:'Playfair Display',serif;font-size:30px;color:white;margin-bottom:10px;}
.cta-banner-left p{color:rgba(255,255,255,0.65);font-size:15px;line-height:1.6;}
.cta-banner-btns{display:flex;gap:12px;flex-shrink:0;}
.cta-btn-primary{background:var(--orange);color:white;padding:13px 26px;border-radius:6px;font-size:14px;font-weight:600;white-space:nowrap;border:none;cursor:pointer;}
.cta-btn-secondary{background:rgba(255,255,255,0.12);color:white;padding:13px 26px;border-radius:6px;font-size:14px;font-weight:600;white-space:nowrap;border:1px solid rgba(255,255,255,0.3);cursor:pointer;}
.cta-btn-secondary:hover{background:rgba(255,255,255,0.2);}
/* CONTACT */
.contact-section{padding:80px 0;background:var(--light);}
.contact-inner{max-width:920px;margin:0 auto;display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center;}
.contact-left h2{font-family:'Playfair Display',serif;font-size:34px;color:var(--dark);margin-bottom:8px;}
.contact-left p{font-size:15px;color:var(--gray);line-height:1.7;margin-bottom:32px;}
.contact-item{margin-bottom:22px;}
.contact-item-label{font-size:11px;font-weight:700;color:var(--blue);letter-spacing:2px;text-transform:uppercase;margin-bottom:6px;}
.contact-item-value{font-size:15px;color:var(--dark);line-height:1.6;}
.contact-item-value a{color:var(--blue);font-weight:500;}
.contact-right{background:linear-gradient(135deg,#0A3F6A,#1a6a9a);border-radius:16px;padding:40px;display:flex;flex-direction:column;align-items:center;justify-content:center;min-height:340px;text-align:center;}
.contact-right-icon{width:80px;height:80px;border-radius:50%;background:rgba(255,255,255,0.1);display:flex;align-items:center;justify-content:center;margin:0 auto 20px;font-size:32px;}
.contact-right h3{font-family:'Playfair Display',serif;font-size:22px;color:white;margin-bottom:12px;}
.contact-right p{color:rgba(255,255,255,0.65);font-size:14px;line-height:1.65;margin-bottom:24px;}
.contact-right-btn{background:var(--orange);color:white;padding:12px 28px;border-radius:6px;font-size:14px;font-weight:600;border:none;cursor:pointer;}
/* NEWSLETTER */
.newsletter{padding:70px 0;background:var(--navy);}
.newsletter-inner{max-width:560px;margin:0 auto;text-align:center;}
.newsletter h2{font-family:'Playfair Display',serif;font-size:32px;color:white;margin-bottom:12px;}
.newsletter p{color:rgba(255,255,255,0.65);font-size:14px;margin-bottom:28px;line-height:1.65;}
.newsletter-form{display:flex;gap:10px;}
.newsletter-form input{flex:1;padding:13px 16px;border-radius:7px;border:1px solid rgba(255,255,255,0.15);background:rgba(255,255,255,0.08);color:white;font-size:14px;font-family:'Inter',sans-serif;}
.newsletter-form input::placeholder{color:rgba(255,255,255,0.4);}
.newsletter-form button{background:var(--orange);color:white;border:none;padding:13px 24px;border-radius:7px;font-size:14px;font-weight:600;cursor:pointer;white-space:nowrap;}
.newsletter-note{font-size:11px;color:rgba(255,255,255,0.3);margin-top:14px;}
/* CONTACT REDESIGN */
.contact-section{padding:80px 0;background:white;}
.contact-inner{max-width:920px;margin:0 auto;display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:start;}
.contact-left h2{font-family:'Playfair Display',serif;font-size:34px;color:var(--dark);margin-bottom:10px;}
.contact-left>p{font-size:15px;color:var(--gray);line-height:1.7;margin-bottom:36px;}
.contact-block{display:flex;gap:14px;align-items:flex-start;margin-bottom:28px;padding-bottom:28px;border-bottom:1px solid #F0F0F0;}
.contact-block:last-child{border-bottom:none;margin-bottom:0;padding-bottom:0;}
.contact-block-icon{width:10px;height:10px;border-radius:50%;background:var(--orange);margin-top:6px;flex-shrink:0;}
.contact-block-label{font-size:11px;font-weight:700;color:var(--blue);letter-spacing:2px;text-transform:uppercase;margin-bottom:6px;}
.contact-block-value{font-size:15px;color:var(--dark);margin-bottom:3px;}
.contact-block-value a{color:var(--dark);transition:color 0.15s;}
.contact-block-value a:hover{color:var(--orange);}
.contact-right{background:linear-gradient(160deg,#0A3F6A 0%,#1a6a9a 100%);border-radius:16px;padding:44px;display:flex;flex-direction:column;gap:32px;}
.contact-right-top h3{font-family:'Playfair Display',serif;font-size:26px;color:white;margin-bottom:12px;line-height:1.3;}
.contact-right-top p{color:rgba(255,255,255,0.65);font-size:14px;line-height:1.7;}
.contact-right-stats{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;padding:24px 0;border-top:1px solid rgba(255,255,255,0.15);border-bottom:1px solid rgba(255,255,255,0.15);}
.contact-stat{text-align:center;}
.contact-stat-num{font-family:'Playfair Display',serif;font-size:24px;color:var(--orange);font-weight:700;margin-bottom:4px;}
.contact-stat-label{font-size:11px;color:rgba(255,255,255,0.5);letter-spacing:0.5px;}
.contact-right-btn{background:var(--orange);color:white;padding:13px 28px;border-radius:6px;font-size:14px;font-weight:600;border:none;cursor:pointer;align-self:flex-start;transition:opacity 0.2s;}
.contact-right-btn:hover{opacity:0.9;}
/* FOOTER */
footer{background:#1C1C1C;color:rgba(255,255,255,0.55);padding:60px 60px 32px;}
.footer-top{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:40px;margin-bottom:48px;}
.footer-brand .footer-logo-text{font-family:'Playfair Display',serif;font-size:20px;color:white;margin-bottom:14px;display:block;}
.footer-brand .footer-logo-text span{color:var(--orange);}
.footer-tagline{font-size:13px;line-height:1.75;max-width:260px;color:rgba(255,255,255,0.38);}
.footer-col h5{color:white;font-size:11px;font-weight:700;margin-bottom:16px;letter-spacing:2px;text-transform:uppercase;}
.footer-col a{display:block;color:rgba(255,255,255,0.42);font-size:13px;margin-bottom:10px;transition:color 0.2s;}
.footer-col a:hover{color:var(--blue);}
.footer-social{display:flex;gap:10px;margin-top:18px;}
.social-btn{width:36px;height:36px;border-radius:50%;background:rgba(255,255,255,0.08);display:flex;align-items:center;justify-content:center;font-size:13px;font-weight:600;color:rgba(255,255,255,0.5);transition:background 0.2s;}
.social-btn:hover{background:var(--blue);color:white;}
.footer-bottom{border-top:1px solid rgba(255,255,255,0.08);margin-top:12px;padding-top:24px;display:block;text-align:center;}
.footer-disclaimer{font-size:11px;color:rgba(255,255,255,0.22);line-height:1.65;max-width:100%;}
.footer-legal{display:none;}
.footer-legal a{font-size:11px;color:rgba(255,255,255,0.28);transition:color 0.2s;}
.footer-legal a:hover{color:var(--blue);}
:root{--blue:#29ABE2;--orange:#F26522;--navy:#0A3F6A;--dark:#1A1A1A;--gray:#505050;--light:#F7F8FA;--white:#ffffff;--green:#2E7D32;--red:#C62828;}
/* NAV */
nav{background:var(--white);padding:0 60px;display:flex;align-items:center;justify-content:space-between;border-bottom:2px solid #E8E8E8;height:88px;position:sticky;top:0;z-index:200;box-shadow:0 2px 12px rgba(0,0,0,0.05);}
.nav-links li a{font-size:16px;font-weight:500;color:#222;padding:0 20px;height:88px;display:flex;align-items:center;border-bottom:3px solid transparent;transition:color 0.15s,border-color 0.15s;}
.nav-links li a:hover{color:var(--orange);border-bottom-color:var(--orange);}
.nav-links li a.active{color:var(--orange);border-bottom-color:var(--orange);font-weight:600;}
.nav-cta{background:var(--orange);color:white;padding:12px 26px;border-radius:6px;font-size:15px;font-weight:600;cursor:pointer;border:none;}
/* SEARCH SECTION   centered, no hero title */
.search-section{background:var(--light);padding:60px 0 50px;border-bottom:1px solid #E8E8E8;}
.search-inner{max-width:780px;margin:0 auto;text-align:center;}
.search-eyebrow{font-size:11px;font-weight:700;letter-spacing:3px;color:var(--blue);text-transform:uppercase;margin-bottom:14px;display:block;}
.search-inner h2{font-family:'Playfair Display',serif;font-size:34px;color:var(--dark);margin-bottom:10px;}
.search-inner p{font-size:15px;color:var(--gray);margin-bottom:32px;line-height:1.6;}
.search-bar{display:flex;gap:0;border-radius:10px;overflow:hidden;box-shadow:0 4px 20px rgba(0,0,0,0.1);border:2px solid #E8E8E8;}
.search-bar input{flex:1;padding:18px 22px;border:none;font-size:16px;font-family:'Inter',sans-serif;color:var(--dark);background:white;}
.search-bar input:focus{outline:none;}
.search-bar select{padding:18px 16px;border:none;border-left:1px solid #E8E8E8;font-size:15px;font-family:'Inter',sans-serif;color:var(--gray);background:white;min-width:170px;cursor:pointer;}
.search-bar select:focus{outline:none;}
.search-bar button{background:var(--orange);color:white;border:none;padding:18px 36px;font-size:16px;font-weight:700;cursor:pointer;white-space:nowrap;letter-spacing:0.3px;flex-shrink:0;}
.search-bar button:hover{opacity:0.92;}
/* TIER SELECTOR   side by side, clean, no colored backgrounds */
.tier-section{padding:56px 60px 40px;background:white;}
.tier-inner{max-width:780px;margin:0 auto;}
.tier-label{text-align:center;font-size:11px;font-weight:700;letter-spacing:3px;color:var(--gray);text-transform:uppercase;margin-bottom:24px;display:block;}
.tier-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;}
.tier-card{background:var(--light);border-radius:14px;padding:40px 24px 32px;text-align:center;cursor:pointer;transition:transform 0.18s,box-shadow 0.18s;border:2px solid #E8E8E8;}
.tier-card:hover{transform:translateY(-3px);box-shadow:0 8px 24px rgba(0,0,0,0.09);}
.tier-card.sel-high{border-color:var(--green);box-shadow:0 6px 20px rgba(46,125,50,0.12);}
.tier-card.sel-rec{border-color:var(--navy);box-shadow:0 6px 20px rgba(10,63,106,0.12);}
.tier-card.sel-not{border-color:var(--red);box-shadow:0 6px 20px rgba(198,40,40,0.12);}
.tier-circle{width:120px;height:120px;border-radius:50%;border:8px solid;display:flex;align-items:center;justify-content:center;margin:0 auto 22px;}
.tier-circle.high{border-color:var(--green);}
.tier-circle.rec{border-color:var(--navy);}
.tier-circle.not{border-color:var(--red);}
.tier-sym{font-size:50px;font-weight:800;line-height:1;}
.tier-sym.high{color:var(--green);}
.tier-sym.rec{color:var(--navy);}
.tier-sym.not{color:var(--red);}
.tier-big{font-size:28px;font-weight:900;font-family:'Inter',sans-serif;letter-spacing:-0.5px;}
.tier-big.high{color:var(--green);}
.tier-big.rec{color:var(--navy);}
.tier-big.not{color:var(--red);}
.tier-sub{font-size:13px;font-weight:700;color:var(--gray);letter-spacing:1.5px;text-transform:uppercase;margin-top:3px;}
.tier-range{display:inline-block;margin-top:12px;font-size:12px;font-weight:600;padding:4px 12px;border-radius:20px;}
.tier-range.high{background:#E8F5E9;color:var(--green);}
.tier-range.rec{background:#E3F2FD;color:var(--navy);}
.tier-range.not{background:#FFEBEE;color:var(--red);}
/* RESULTS */
.results-section{padding:40px 60px 80px;background:white;}
.results-inner{max-width:900px;margin:0 auto;}
.results-bar{display:flex;align-items:center;justify-content:space-between;margin-bottom:20px;padding-bottom:16px;border-bottom:1px solid #E8E8E8;}
.results-count{font-size:15px;color:var(--gray);}
.results-count strong{color:var(--dark);font-weight:600;}
.sort-wrap{display:flex;align-items:center;gap:10px;}
.sort-wrap label{font-size:13px;color:var(--gray);}
.sort-wrap select{padding:8px 14px;border-radius:6px;border:1px solid #CCC;font-size:13px;font-family:'Inter',sans-serif;color:var(--dark);background:white;cursor:pointer;}
.ria-list{display:flex;flex-direction:column;gap:14px;}
.ria-row{background:var(--light);border-radius:12px;padding:24px 28px;border:1px solid #E8E8E8;display:grid;grid-template-columns:68px 1fr auto auto;gap:20px;align-items:center;transition:box-shadow 0.18s,border-color 0.18s;cursor:pointer;}
.ria-row:hover{box-shadow:0 4px 20px rgba(0,0,0,0.08);border-color:#CCC;}
.score-circle{width:60px;height:60px;border-radius:50%;display:flex;flex-direction:column;align-items:center;justify-content:center;flex-shrink:0;}
.score-circle.high{background:var(--green);}
.score-circle.rec{background:var(--navy);}
.score-circle.not{background:var(--red);}
.score-num{font-family:'Playfair Display',serif;font-size:22px;color:white;font-weight:700;line-height:1;}
.score-lbl{font-size:7px;color:rgba(255,255,255,0.65);letter-spacing:1.5px;margin-top:2px;font-weight:600;}
.ria-info h3{font-family:'Playfair Display',serif;font-size:19px;color:var(--dark);margin-bottom:6px;}
.ria-meta{display:flex;gap:16px;flex-wrap:wrap;}
.meta-item{font-size:13px;color:var(--gray);}
.meta-item strong{color:var(--dark);font-weight:600;}
.tier-badge{display:inline-block;font-size:10px;font-weight:700;padding:5px 13px;border-radius:20px;text-transform:uppercase;letter-spacing:0.5px;white-space:nowrap;}
.tier-badge.high{background:#E8F5E9;color:var(--green);}
.tier-badge.rec{background:#E3F2FD;color:var(--navy);}
.tier-badge.not{background:#FFEBEE;color:var(--red);}
.ria-btns{display:flex;flex-direction:column;gap:8px;min-width:148px;}
.btn-profile{background:var(--navy);color:white;border:none;padding:10px 16px;border-radius:7px;font-size:13px;font-weight:600;cursor:pointer;width:100%;}
.btn-connect{background:var(--orange);color:white;border:none;padding:10px 16px;border-radius:7px;font-size:13px;font-weight:600;cursor:pointer;width:100%;}
.load-more-wrap{text-align:center;margin-top:32px;}
.load-more-btn{background:white;color:var(--navy);border:2px solid var(--navy);padding:14px 48px;border-radius:8px;font-size:15px;font-weight:600;cursor:pointer;transition:all 0.15s;}
.load-more-btn:hover{background:var(--navy);color:white;}
/* POPUP */
.overlay{display:none;position:fixed;inset:0;background:rgba(10,20,40,0.6);z-index:500;align-items:center;justify-content:center;}
.overlay.open{display:flex;}
.popup-box{background:white;border-radius:16px;width:90%;max-width:520px;padding:44px;position:relative;}
.popup-close{position:absolute;top:16px;right:20px;background:none;border:none;font-size:26px;cursor:pointer;color:#888;line-height:1;}
nav{background:var(--white);padding:0 60px;display:flex;align-items:center;justify-content:space-between;border-bottom:2px solid #E8E8E8;height:88px;position:sticky;top:0;z-index:300;box-shadow:0 2px 12px rgba(0,0,0,0.05);}
.dropdown a{font-size:14px;font-weight:400;color:#333;padding:10px 22px;height:auto;border-bottom:none;display:block;text-decoration:none;transition:background 0.12s,color 0.12s;}
.dropdown a{font-size:14px;color:#333;padding:10px 22px;display:block;transition:background 0.12s,color 0.12s;}
.page-hero{background:linear-gradient(135deg,#0A3F6A 0%,#1a5c8a 100%);padding:80px 60px;position:relative;overflow:hidden;}
.page-hero::before{content:'';position:absolute;inset:0;background:repeating-linear-gradient(0deg,transparent,transparent 30px,rgba(255,255,255,0.025) 30px,rgba(255,255,255,0.025) 31px),repeating-linear-gradient(90deg,transparent,transparent 30px,rgba(255,255,255,0.025) 30px,rgba(255,255,255,0.025) 31px);}
.hero-inner{max-width:700px;position:relative;z-index:1;}
.hero-inner h1{font-family:'Playfair Display',serif;font-size:46px;color:white;margin-bottom:14px;line-height:1.15;}
.hero-inner p{color:rgba(255,255,255,0.7);font-size:16px;line-height:1.75;}
.content{max-width:860px;margin:0 auto;padding:68px 60px 90px;}
.content h2{font-family:'Playfair Display',serif;font-size:28px;color:var(--dark);margin:48px 0 16px;}
.content h2:first-of-type{margin-top:0;}
.content p{font-size:15px;color:var(--gray);line-height:1.9;margin-bottom:16px;}
.content a{color:var(--blue);}
.highlight{background:#FFF8F5;border-left:4px solid var(--orange);padding:20px 24px;border-radius:0 8px 8px 0;margin:24px 0;}
.highlight p{margin:0;font-size:14px;color:#5D3010;}
.photo-section{margin:48px 0;border-radius:14px;overflow:hidden;border:1px solid #E8E8E8;}
.photo-placeholder{width:100%;height:320px;background:linear-gradient(135deg,#0A3F6A 0%,#29ABE2 100%);display:flex;flex-direction:column;align-items:center;justify-content:center;position:relative;overflow:hidden;}
.photo-placeholder::before{content:'';position:absolute;inset:0;background:repeating-linear-gradient(45deg,transparent,transparent 20px,rgba(255,255,255,0.03) 20px,rgba(255,255,255,0.03) 40px);}
.photo-placeholder-text{font-family:'Playfair Display',serif;font-size:20px;color:rgba(255,255,255,0.7);text-align:center;position:relative;z-index:1;}
.photo-placeholder-sub{font-size:13px;color:rgba(255,255,255,0.45);margin-top:8px;position:relative;z-index:1;}
.photo-caption{padding:16px 20px;font-size:13px;color:#888;text-align:center;background:var(--light);}
.page-cta{background:var(--light);border-radius:14px;padding:40px;text-align:center;margin:48px 0 0;border:1px solid #E8E8E8;}
.page-cta h3{font-family:'Playfair Display',serif;font-size:24px;color:var(--dark);margin-bottom:10px;}
.page-cta p{font-size:14px;color:var(--gray);margin-bottom:22px;}
.page-cta-btns{display:flex;gap:12px;justify-content:center;}
.page-cta-btn{background:var(--orange);color:white;border:none;padding:12px 28px;border-radius:6px;font-size:14px;font-weight:600;cursor:pointer;}
.page-cta-btn.sec{background:var(--navy);}
.social-btn{width:36px;height:36px;border-radius:50%;background:rgba(255,255,255,0.08);display:flex;align-items:center;justify-content:center;font-size:13px;font-weight:600;color:rgba(255,255,255,0.5);}
.footer-legal a{font-size:11px;color:rgba(255,255,255,0.28);}
body::after{content:'';position:fixed;inset:0;pointer-events:none;z-index:0;
background-image:radial-gradient(circle,#29ABE215 1px,transparent 1px);
background-size:32px 32px;}
.content{position:relative;z-index:1;}
.page-hero{position:relative;z-index:1;}
.hero-inner h1{font-family:'Playfair Display',serif;font-size:46px;color:white;margin-bottom:14px;}
.blog-wrap{max-width:1100px;margin:0 auto;padding:60px 60px;}
.blog-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:32px;margin-bottom:48px;}
.blog-card{background:white;border-radius:14px;border:1px solid #E8E8E8;overflow:hidden;transition:box-shadow 0.2s,transform 0.2s;cursor:pointer;}
.blog-card:hover{box-shadow:0 8px 28px rgba(0,0,0,0.09);transform:translateY(-3px);}
.blog-card-img{height:200px;background:linear-gradient(135deg,#0A3F6A,#29ABE2);display:flex;align-items:center;justify-content:center;position:relative;overflow:hidden;}
.blog-card-img::before{content:'';position:absolute;inset:0;background:repeating-linear-gradient(45deg,transparent,transparent 15px,rgba(255,255,255,0.03) 15px,rgba(255,255,255,0.03) 30px);}
.blog-card-img span{font-family:'Playfair Display',serif;font-size:14px;color:rgba(255,255,255,0.6);position:relative;z-index:1;text-align:center;padding:20px;}
.blog-card-body{padding:24px;}
.blog-tag{font-size:10px;font-weight:700;letter-spacing:2px;color:var(--orange);text-transform:uppercase;margin-bottom:8px;display:block;}
.blog-title{font-family:'Playfair Display',serif;font-size:18px;color:var(--dark);margin-bottom:10px;line-height:1.35;}
.blog-excerpt{font-size:13px;color:var(--gray);line-height:1.7;margin-bottom:14px;}
.blog-meta{font-size:11px;color:#999;display:flex;justify-content:space-between;}
.blog-featured{grid-column:1/-1;display:grid;grid-template-columns:1fr 1fr;border-radius:14px;border:1px solid #E8E8E8;overflow:hidden;cursor:pointer;transition:box-shadow 0.2s;}
.blog-featured:hover{box-shadow:0 8px 28px rgba(0,0,0,0.09);}
.blog-featured-img{background:linear-gradient(135deg,#0A3F6A,#1a6a9a);display:flex;align-items:center;justify-content:center;min-height:280px;position:relative;overflow:hidden;}
.blog-featured-img::before{content:'';position:absolute;inset:0;background:repeating-linear-gradient(45deg,transparent,transparent 15px,rgba(255,255,255,0.03) 15px,rgba(255,255,255,0.03) 30px);}
.blog-featured-img span{font-family:'Playfair Display',serif;font-size:16px;color:rgba(255,255,255,0.55);position:relative;z-index:1;text-align:center;padding:24px;}
.blog-featured-body{padding:36px;display:flex;flex-direction:column;justify-content:center;background:var(--light);}
.categories{display:flex;gap:10px;flex-wrap:wrap;margin-bottom:32px;}
.cat-btn{background:var(--light);border:1px solid #E8E8E8;border-radius:20px;padding:6px 16px;font-size:13px;font-weight:500;color:var(--gray);cursor:pointer;transition:all 0.15s;}
.cat-btn:hover,.cat-btn.active{background:var(--navy);color:white;border-color:var(--navy);}
background-image:
radial-gradient(ellipse at 10% 50%,#EF444408 200px,transparent 200px),
radial-gradient(ellipse at 90% 20%,#F265220A 180px,transparent 180px),
radial-gradient(ellipse at 50% 80%,#EF444406 150px,transparent 150px);}
:root{--blue:#29ABE2;--orange:#F26522;--navy:#0A3F6A;--dark:#1A1A1A;--gray:#4A4A4A;--light:#F7F8FA;--white:#ffffff;}
a{text-decoration:none;color:var(--blue);}
.page-hero{background:linear-gradient(135deg,#0A3F6A,#1a5c8a);padding:72px 60px;position:relative;overflow:hidden;}
.page-hero-inner{max-width:700px;position:relative;z-index:1;}
.page-hero h1{font-family:'Playfair Display',serif;font-size:46px;color:white;margin-bottom:12px;}
.notice{background:#FFF8E1;border-left:4px solid var(--orange);padding:20px 24px;border-radius:0 8px 8px 0;margin-bottom:36px;}
.notice p{font-size:14px;color:#5D4037;line-height:1.7;font-weight:500;}
.content{max-width:820px;margin:0 auto;padding:68px 60px 90px;}
.content p{font-size:14.5px;color:var(--gray);line-height:1.95;margin-bottom:20px;}
.content h2{font-family:'Playfair Display',serif;font-size:21px;color:var(--dark);margin:44px 0 16px;padding-top:10px;border-top:1px solid #E8E8E8;}
.content h2:first-of-type{border-top:none;margin-top:0;}
.nav-links li:hover
radial-gradient(circle at 20% 30%,#29ABE20A 180px,transparent 180px),
radial-gradient(circle at 80% 70%,#F265220A 220px,transparent 220px),
radial-gradient(circle at 60% 20%,#0A3F6A08 150px,transparent 150px);}
radial-gradient(circle,#29ABE218 1.5px,transparent 1.5px),
radial-gradient(circle,#F2652212 1px,transparent 1px);
background-size:48px 48px,24px 24px;
background-position:0 0,12px 12px;}
repeating-linear-gradient(0deg,transparent,transparent 40px,#29ABE20A 40px,#29ABE20A 41px),
repeating-linear-gradient(90deg,transparent,transparent 40px,#29ABE20A 40px,#29ABE20A 41px);}
:root{--blue:#29ABE2;--orange:#F26522;--navy:#0A3F6A;--dark:#1A1A1A;--gray:#555555;--light:#F7F8FA;--white:#ffffff;}
body{font-family:'Inter',sans-serif;color:var(--dark);background:var(--white);}
.hero{background:linear-gradient(135deg,#0A3F6A 0%,#1a5c8a 60%,#0d4f75 100%);padding:80px 0;display:flex;align-items:center;gap:60px;position:relative;overflow:hidden;min-height:500px;}
.hero::before{content:'';position:absolute;inset:0;background:repeating-linear-gradient(0deg,transparent,transparent 30px,rgba(255,255,255,0.02) 30px,rgba(255,255,255,0.02) 31px),repeating-linear-gradient(90deg,transparent,transparent 30px,rgba(255,255,255,0.02) 30px,rgba(255,255,255,0.02) 31px);}
.hero-left{flex:1;position:relative;z-index:1;}
.hero-left h1{font-family:'Playfair Display',serif;font-size:46px;color:white;line-height:1.15;margin-bottom:20px;}
.hero-left h1 em{color:var(--orange);font-style:normal;border-bottom:3px solid var(--orange);}
.hero-left p{color:rgba(255,255,255,0.78);font-size:15px;line-height:1.75;margin-bottom:10px;}
.hero-left p strong{color:white;}
.search-box{background:rgba(255,255,255,0.07);backdrop-filter:blur(12px);border:1px solid rgba(255,255,255,0.15);border-radius:14px;padding:30px;width:420px;flex-shrink:0;position:relative;z-index:1;}
.search-box h3{font-family:'Playfair Display',serif;color:white;font-size:20px;margin-bottom:6px;}
.search-box>p{font-size:12px;color:rgba(255,255,255,0.55);margin-bottom:22px;}
.search-group{margin-bottom:16px;}
.search-group label{display:block;color:rgba(255,255,255,0.65);font-size:11px;font-weight:600;margin-bottom:7px;letter-spacing:1px;text-transform:uppercase;}
.search-row{display:flex;gap:8px;}
.search-input{flex:1;padding:11px 14px;border-radius:7px;border:1px solid rgba(255,255,255,0.15);background:rgba(255,255,255,0.92);font-size:13px;color:var(--dark);font-family:'Inter',sans-serif;}
.search-select{padding:11px 14px;border-radius:7px;border:1px solid rgba(255,255,255,0.15);background:rgba(255,255,255,0.92);font-size:13px;color:var(--dark);font-family:'Inter',sans-serif;width:100%;}
.search-btn{background:var(--orange);color:white;border:none;padding:11px 18px;border-radius:7px;font-size:13px;font-weight:600;cursor:pointer;white-space:nowrap;}
.search-note{font-size:10px;color:rgba(255,255,255,0.4);margin-top:14px;line-height:1.5;}
.section-label{font-size:10px;font-weight:700;letter-spacing:3px;color:var(--blue);margin-bottom:10px;text-transform:uppercase;display:block;text-align:center;}
.section-wrap{text-align:center;margin-bottom:40px;}
.section-wrap h2{font-family:'Playfair Display',serif;font-size:36px;color:var(--dark);margin-bottom:12px;}
.section-wrap p{color:var(--gray);font-size:14px;max-width:520px;margin:0 auto;line-height:1.6;}
.top5{padding:70px 0;background:var(--light);}
.top5-grid{display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:20px;max-width:1400px;margin:0 auto;}
.firm-card{background:white;border-radius:12px;padding:28px 24px;border:1px solid #E8E8E8;transition:box-shadow 0.2s;cursor:pointer;}
.firm-card:hover{box-shadow:0 6px 24px rgba(0,0,0,0.08);}
.firm-rank{font-size:11px;font-weight:700;color:var(--blue);letter-spacing:1.5px;margin-bottom:12px;text-transform:uppercase;}
.firm-name{font-family:'Playfair Display',serif;font-size:17px;color:var(--dark);margin-bottom:5px;line-height:1.3;}
.firm-location{font-size:13px;color:var(--gray);margin-bottom:14px;}
.score-wrap{display:flex;align-items:baseline;gap:4px;margin-bottom:8px;}
.score-num{font-size:44px;font-weight:700;color:var(--navy);font-family:'Playfair Display',serif;}
.score-label{font-size:11px;color:var(--gray);line-height:1.3;}
.tier-pill{display:inline-block;font-size:10px;font-weight:700;padding:5px 12px;border-radius:10px;letter-spacing:0.5px;text-transform:uppercase;margin-top:4px;}
.tier-high{background:#E8F5E9;color:#2E7D32;}
.aum{font-size:10px;color:var(--gray);margin-top:8px;}
.map-section{padding:70px 60px;background:white;}
.map-wrap{max-width:740px;margin:0 auto;}
.map-container{background:transparent;border-radius:0;padding:0;border:none;text-align:center;}
.map-container svg{width:100%;max-width:660px;}
.map-get-started{display:inline-block;margin-top:24px;background:var(--orange);color:white;padding:13px 36px;border-radius:6px;font-size:14px;font-weight:600;}
.rec-section{padding:70px 0;background:var(--light);}
.rec-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;margin-top:40px;}
.rec-card{background:white;border-radius:14px;padding:40px 30px;text-align:center;cursor:pointer;transition:transform 0.2s,box-shadow 0.2s;border:2px solid transparent;}
.rec-card:hover{transform:translateY(-5px);box-shadow:0 12px 32px rgba(0,0,0,0.08);}
.rec-card.high{border-color:#2E7D32;}
.rec-card.rec{border-color:var(--navy);}
.rec-card.not{border-color:#C62828;}
.rec-icon{width:100px;height:100px;border-radius:50%;display:flex;align-items:center;justify-content:center;margin:0 auto 22px;border:6px solid;}
.rec-icon.high{border-color:#2E7D32;}
.rec-icon.rec{border-color:var(--navy);}
.rec-icon.not{border-color:#C62828;}
.rec-check{font-size:40px;font-weight:700;line-height:1;}
.rec-check.high{color:#2E7D32;}
.rec-check.rec{color:var(--navy);}
.rec-check.not{color:#C62828;}
.rec-title-big{font-size:28px;font-weight:800;margin-bottom:2px;font-family:'Inter',sans-serif;}
.rec-title-big.high{color:#2E7D32;}
.rec-title-big.rec{color:var(--navy);}
.rec-title-big.not{color:#C62828;}
.rec-title-sub{font-size:13px;font-weight:600;color:var(--gray);letter-spacing:1px;text-transform:uppercase;margin-bottom:16px;}
.rec-range{font-size:12px;color:var(--gray);margin-bottom:12px;}
.rec-desc{font-size:13px;color:var(--gray);line-height:1.7;}
.rec-cta{display:inline-block;margin-top:20px;font-size:12px;font-weight:700;color:white;padding:10px 22px;border-radius:6px;}
.rec-cta.high{background:#2E7D32;}
.rec-cta.rec{background:var(--navy);}
.rec-cta.not{background:#C62828;}
.wwd{padding:70px 0;background:white;}
.wwd-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:40px;}
.wwd-card{background:var(--light);border-radius:12px;padding:30px;border:1px solid #E8E8E8;}
.wwd-bar{width:40px;height:4px;background:var(--orange);border-radius:2px;margin-bottom:16px;}
.wwd-card h4{font-family:'Playfair Display',serif;font-size:18px;margin-bottom:10px;color:var(--dark);}
.wwd-card p{font-size:13px;color:var(--gray);line-height:1.75;}
.newsletter{padding:44px 60px;background:var(--navy);}
.newsletter-form input{flex:1;padding:12px 16px;border-radius:7px;border:1px solid rgba(255,255,255,0.15);background:rgba(255,255,255,0.08);color:white;font-size:13px;font-family:'Inter',sans-serif;}
.newsletter-form button{background:var(--orange);color:white;border:none;padding:12px 24px;border-radius:7px;font-size:13px;font-weight:600;cursor:pointer;white-space:nowrap;}
footer{background:#1C1C1C;color:rgba(255,255,255,0.55);padding:56px 60px 30px;}
.footer-logo-text{font-family:'Playfair Display',serif;font-size:19px;color:white;margin-bottom:14px;}
.footer-logo-text span{color:var(--orange);}
.footer-tagline{font-size:12px;line-height:1.75;max-width:260px;color:rgba(255,255,255,0.35);}
.footer-col a{display:block;color:rgba(255,255,255,0.42);font-size:12px;margin-bottom:9px;transition:color 0.2s;}
.social-btn{width:34px;height:34px;border-radius:50%;background:rgba(255,255,255,0.08);display:flex;align-items:center;justify-content:center;font-size:12px;font-weight:600;color:rgba(255,255,255,0.5);}
.footer-disclaimer{font-size:10px;color:rgba(255,255,255,0.22);line-height:1.65;max-width:580px;}
.nav-links li>a,.nav-links li>span{font-size:16px;font-weight:500;color:#222;padding:0 20px;height:88px;display:flex;align-items:center;border-bottom:3px solid transparent;transition:color 0.15s;cursor:pointer;white-space:nowrap;gap:5px;}
.page-hero{background:linear-gradient(135deg,#0A3F6A,#1a5c8a);padding:80px 60px;position:relative;overflow:hidden;}
.calc-wrap{max-width:1000px;margin:0 auto;padding:60px 60px 90px;}
.calc-tabs{display:flex;gap:0;border:1px solid #E8E8E8;border-radius:10px;overflow:hidden;margin-bottom:40px;}
.calc-tab{flex:1;padding:14px 20px;text-align:center;cursor:pointer;font-size:14px;font-weight:500;color:var(--gray);background:white;border-right:1px solid #E8E8E8;transition:all 0.15s;}
.calc-tab:last-child{border-right:none;}
.calc-tab.active{background:var(--navy);color:white;font-weight:600;}
.calc-body{display:none;}
.calc-body.active{display:block;}
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start;}
.calc-inputs h2{font-family:'Playfair Display',serif;font-size:26px;color:var(--dark);margin-bottom:24px;}
.form-group{margin-bottom:22px;}
.form-group label{display:block;font-size:12px;font-weight:700;color:var(--gray);letter-spacing:1px;text-transform:uppercase;margin-bottom:8px;}
.form-group input,.form-group select{width:100%;padding:12px 16px;border-radius:8px;border:1px solid #CCCCCC;font-size:15px;font-family:'Inter',sans-serif;color:var(--dark);background:white;transition:border-color 0.15s;}
.form-group input:focus,.form-group select:focus{outline:none;border-color:var(--blue);}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:14px;}
.calc-btn{width:100%;background:var(--orange);color:white;border:none;padding:14px;border-radius:8px;font-size:16px;font-weight:600;cursor:pointer;margin-top:8px;transition:opacity 0.2s;}
.calc-btn:hover{opacity:0.9;}
.calc-results{background:var(--navy);border-radius:14px;padding:36px;color:white;}
.calc-results h3{font-family:'Playfair Display',serif;font-size:22px;color:white;margin-bottom:24px;}
.result-item{margin-bottom:18px;padding-bottom:18px;border-bottom:1px solid rgba(255,255,255,0.1);}
.result-item:last-child{border-bottom:none;margin-bottom:0;padding-bottom:0;}
.result-label{font-size:12px;color:rgba(255,255,255,0.55);letter-spacing:0.5px;margin-bottom:6px;}
.result-value{font-family:'Playfair Display',serif;font-size:28px;color:var(--orange);font-weight:700;}
.result-sub{font-size:12px;color:rgba(255,255,255,0.45);margin-top:3px;}
.result-highlight{background:rgba(255,255,255,0.07);border-radius:8px;padding:16px;margin:16px 0;}
.result-highlight .result-label{color:rgba(255,255,255,0.65);}
.result-highlight .result-value{font-size:36px;color:white;}
.calc-disclaimer{font-size:11px;color:rgba(255,255,255,0.35);margin-top:20px;line-height:1.5;}
.fee-comparison{margin-top:32px;background:var(--light);border-radius:12px;padding:24px;border:1px solid #E8E8E8;}
.fee-comparison h4{font-family:'Playfair Display',serif;font-size:18px;color:var(--dark);margin-bottom:16px;}
.fee-bar-wrap{margin-bottom:12px;}
.fee-bar-label{display:flex;justify-content:space-between;font-size:13px;color:var(--gray);margin-bottom:5px;}
.fee-bar{height:10px;background:#E8E8E8;border-radius:5px;overflow:hidden;}
.fee-bar-fill{height:10px;border-radius:5px;transition:width 0.6s;}
.footer-col a{display:block;color:rgba(255,255,255,0.42);font-size:13px;margin-bottom:10px;}
.footer-bottom{border-top:1px solid rgba(255,255,255,0.08);padding-top:24px;display:flex;justify-content:space-between;gap:20px;}
.logo-bubble{width:50px;height:50px;border-radius:50%;background:linear-gradient(to bottom,#0A3F6A,#7DD8F5);display:flex;align-items:center;justify-content:center;font-family:'Playfair Display',serif;font-size:14px;color:white;font-weight:700;letter-spacing:1px;position:relative;overflow:hidden;}
.nav-links{display:flex;list-style:none;margin-left:48px;}
.nav-links li>a,.nav-links li>span{font-size:16px;font-weight:500;color:#222;padding:0 20px;height:88px;display:flex;align-items:center;border-bottom:3px solid transparent;transition:color .15s,border-color .15s;cursor:pointer;white-space:nowrap;gap:5px;}
.dropdown a{font-size:14px;color:#333;padding:10px 22px;display:block;}
.page-header{background:var(--navy);padding:40px 60px 28px;border-bottom:none;text-align:center;}
.page-header h1{font-family:'Playfair Display',serif;font-size:36px;color:white;margin-bottom:10px;}
.page-header p{font-size:15px;color:rgba(255,255,255,0.7);line-height:1.6;max-width:600px;margin:0 auto;}
.tier-tabs{background:var(--navy);border-bottom:2px solid #0A3F6A;padding:0 60px;display:flex;justify-content:center;}
.tier-tab{padding:18px 36px;font-size:15px;font-weight:600;color:rgba(255,255,255,0.55);border-bottom:3px solid transparent;margin-bottom:-2px;transition:color .15s,border-color .15s;cursor:pointer;white-space:nowrap;}
.tier-tab:hover{color:white;}
.tier-tab.active{color:white;border-bottom-color:var(--orange);}
.controls-wrap{background:var(--white);padding:24px 60px;}
.controls-inner{max-width:900px;margin:0 auto;display:flex;align-items:center;justify-content:space-between;gap:20px;}
.controls-inner .search-bar{display:flex;border:1.5px solid #E0E0E0;border-radius:8px;overflow:hidden;background:white;flex:1;max-width:480px;}
.controls-inner .search-bar input{flex:1;padding:12px 18px;border:none;font-size:14px;font-family:'Inter',sans-serif;color:var(--dark);outline:none;}
.controls-inner .search-bar button{background:var(--navy);color:white;border:none;padding:12px 20px;font-size:14px;font-weight:600;cursor:pointer;}
.sort-row{display:flex;align-items:center;gap:10px;}
.sort-row label{font-size:13px;color:var(--gray);font-weight:500;}
.sort-row select{padding:10px 14px;border:1.5px solid #E0E0E0;border-radius:8px;font-size:13px;font-family:'Inter',sans-serif;color:var(--dark);background:white;cursor:pointer;outline:none;}
.results-section{padding:32px 60px 80px;background:white;}
.results-bar{display:flex;align-items:center;justify-content:space-between;margin-bottom:20px;padding-bottom:14px;border-bottom:1px solid #E8E8E8;}
.ria-row{background:var(--light);border-radius:12px;padding:24px 28px;border:1px solid #E8E8E8;display:grid;grid-template-columns:68px 1fr auto auto;gap:20px;align-items:center;transition:box-shadow .18s,border-color .18s;cursor:pointer;}
.btn-profile{background:var(--navy);color:white;border:none;padding:10px 16px;border-radius:7px;font-size:13px;font-weight:600;cursor:pointer;width:100%;text-align:center;display:block;}
.btn-profile:hover{opacity:0.88;}
.btn-connect:hover{opacity:0.88;}
.load-more-btn{background:white;color:var(--navy);border:2px solid var(--navy);padding:14px 48px;border-radius:8px;font-size:15px;font-weight:600;cursor:pointer;transition:all .15s;}
.load-count{font-size:13px;color:#AAA;margin-top:10px;}
.no-results{padding:60px 0;text-align:center;color:#AAA;font-size:15px;}
.footer-brand .ftl{font-family:'Playfair Display',serif;font-size:20px;color:white;margin-bottom:14px;display:block;}
.footer-brand .ftl span{color:var(--orange);}
.page-hero .effective{color:rgba(255,255,255,0.5);font-size:13px;}
repeating-linear-gradient(45deg,transparent,transparent 20px,#29ABE20C 20px,#29ABE20C 21px),
repeating-linear-gradient(-45deg,transparent,transparent 20px,#0A3F6A06 20px,#0A3F6A06 21px);}
repeating-linear-gradient(135deg,transparent,transparent 30px,#0A3F6A06 30px,#0A3F6A06 31px),
repeating-linear-gradient(225deg,transparent,transparent 30px,#F265220A 30px,#F265220A 31px);}
radial-gradient(circle at 50% 0%,#EF444408 400px,transparent 400px),
repeating-linear-gradient(0deg,transparent,transparent 60px,#EF444406 60px,#EF444406 61px);}
.profile-wrap{max-width:1100px;margin:0 auto;padding:48px 60px 80px;}
.profile-top{display:grid;grid-template-columns:1fr 300px;gap:48px;align-items:start;}
.firm-name{font-family:'Playfair Display',serif;font-size:36px;color:var(--dark);line-height:1.15;margin-bottom:6px;}
.firm-legal{font-size:14px;color:#AAA;margin-bottom:28px;font-style:italic;}
.firm-crd{font-size:13px;color:#AAA;margin-bottom:32px;}
.firm-crd span{color:var(--navy);font-weight:600;}
.info-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin-bottom:32px;}
.info-card h3{font-size:11px;font-weight:700;letter-spacing:2px;text-transform:uppercase;color:#AAA;margin-bottom:14px;}
.info-row{display:flex;justify-content:space-between;align-items:flex-start;padding:10px 0;border-bottom:1px solid #F5F5F5;}
.info-row:last-child{border-bottom:none;}
.info-key{font-size:14px;color:#888;}
.info-val{font-size:14px;font-weight:600;color:var(--dark);text-align:right;max-width:60%;}
.contact-section{margin-top:40px;margin-bottom:32px;padding:36px 40px;background:#F0FDF4;border-radius:16px;border:1px solid #BBF7D0;}
.contact-section h3{font-family:'Playfair Display',serif;font-size:24px;color:var(--dark);margin-bottom:8px;}
.contact-section p{font-size:14px;color:#666;margin-bottom:28px;line-height:1.7;}
.contact-items{display:flex;flex-direction:column;gap:12px;margin-bottom:0;}
.contact-item{display:flex;align-items:center;gap:0;padding:0;background:none;border:none;border-bottom:1px solid #C6F0D0;}
.contact-item:last-child{border-bottom:none;}
.contact-item>div{display:flex;justify-content:space-between;align-items:center;width:100%;padding:14px 0;}
.contact-label{font-size:12px;color:#888;text-transform:uppercase;letter-spacing:1.5px;font-weight:600;}
.contact-val{font-size:15px;font-weight:600;color:var(--dark);}
.contact-val a{color:#2E7D32;}
.connect-btn{display:block;width:100%;margin-top:28px;padding:16px 0;background:#2E7D32;color:white;border-radius:10px;font-size:15px;font-weight:700;text-align:center;letter-spacing:0.3px;transition:background .15s;}
.connect-btn:hover{background:#1B5E20;}
.flags-section h3{font-family:'Playfair Display',serif;font-size:22px;color:var(--dark);margin-bottom:16px;}
.flag-item{border:1px solid #E8E8E8;border-radius:10px;overflow:hidden;margin-bottom:8px;}
.flag-item.open{border-color:#D0D0D0;}
.flag-trigger{display:flex;align-items:center;gap:12px;padding:14px 18px;cursor:pointer;background:white;transition:background .15s;user-select:none;}
.flag-trigger:hover{background:#FAFAFA;}
.flag-icon{width:32px;height:32px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:14px;font-weight:700;flex-shrink:0;}
.flag-green{background:#DCFCE7;color:#16A34A;}
.flag-red{background:#FEE2E2;color:#DC2626;}
.flag-yellow{background:#FEF3C7;color:#D97706;}
.flag-text{font-size:14px;color:var(--dark);font-weight:500;flex:1;}
.flag-arrow{font-size:11px;color:#AAA;transition:transform .25s;flex-shrink:0;}
.flag-item.open .flag-arrow{transform:rotate(180deg);}
.flag-body{max-height:0;overflow:hidden;transition:max-height .35s ease;}
.flag-item.open .flag-body{max-height:300px;}
.flag-body-inner{padding:12px 18px 16px 62px;font-size:14px;color:#666;line-height:1.75;border-top:1px solid #F0F0F0;}
.disclaimer{font-size:12px;color:#BBB;line-height:1.85;margin-top:40px;padding-top:24px;border-top:1px solid #F0F0F0;}
/* RIGHT COLUMN */
.score-card{background:white;border:2px solid #E8E8E8;border-radius:20px;padding:32px 24px;text-align:center;box-shadow:0 4px 24px rgba(0,0,0,0.06);}
.score-label{font-size:11px;font-weight:700;letter-spacing:2px;text-transform:uppercase;color:#AAA;margin-bottom:6px;}
.score-sublabel{font-size:12px;color:#BBB;margin-bottom:16px;line-height:1.5;}
.score-circle-wrap{position:relative;width:220px;height:220px;margin:0 auto 16px;}
.score-circle-wrap svg{width:220px;height:220px;}
.score-track{fill:none;stroke:#F0F0F0;stroke-width:16;}
.score-fill{fill:none;stroke-width:16;stroke-linecap:round;stroke-dasharray:616;stroke-dashoffset:616;transition:stroke-dashoffset 1.8s cubic-bezier(0.4,0,0.2,1);}
.score-number{position:absolute;inset:0;display:flex;flex-direction:column;align-items:center;justify-content:center;}
.score-num{font-family:'Playfair Display',serif;font-size:58px;font-weight:700;line-height:1;color:var(--dark);}
.score-of{font-size:12px;color:#AAA;margin-top:2px;}
.rating-badge{display:inline-block;padding:8px 20px;border-radius:6px;font-size:13px;font-weight:700;letter-spacing:0.5px;margin-bottom:0;}
.badge-high{background:#E8F5E9;color:#2E7D32;border:1px solid #81C784;}
.badge-rec{background:#E3F4FB;color:#29ABE2;border:1px solid #81D4FA;}
.badge-not{background:#FFF0F0;color:#C62828;border:1px solid #EF9A9A;}
.score-disclaimer{font-size:11px;color:#BBB;line-height:1.7;margin-top:16px;padding-top:16px;border-top:1px solid #F0F0F0;text-align:left;}
.score-updated{font-size:11px;color:#CCC;margin-top:10px;text-align:center;}
/* HIGHLY REC UNDER SCORE CARD */
.right-highly{margin-top:20px;padding-top:20px;border-top:1px solid #F0F0F0;text-align:left;}
.right-highly-title{font-size:11px;font-weight:700;letter-spacing:2px;text-transform:uppercase;color:#AAA;margin-bottom:12px;}
.right-highly-list{display:flex;flex-direction:column;gap:8px;}
.right-highly-item{display:flex;justify-content:space-between;align-items:center;padding:10px 12px;border:1px solid #E8E8E8;border-radius:8px;transition:border-color .15s;}
.right-highly-item:hover{border-color:#81C784;background:#F9FFF9;}
.right-hi-name{font-size:13px;font-weight:600;color:var(--dark);margin-bottom:2px;}
.right-hi-loc{font-size:11px;color:#AAA;}
.right-hi-score{font-size:15px;font-weight:700;color:#2E7D32;flex-shrink:0;margin-left:8px;}
.right-view-all{font-size:12px;color:var(--blue);display:block;text-align:center;margin-top:10px;}
.footer-bottom{border-top:1px solid rgba(255,255,255,0.08);margin-top:48px;padding-top:24px;display:block;text-align:center;}
/* ── Centering at all zoom levels ───────────────────────── */
body{overflow-x:hidden;}
.hero,.top-section,.map-section,.rec-section,.how-section,
.search-section,.about-section,.about-hero,.about-bio,
.about-stats,.about-contact,.newsletter-section,
.tier-section,.between-section,.results-section,
.page-hero,.page-header,.tier-tabs,.controls-wrap,
.listing-hero,.profile-wrap-outer,footer{
width:100%;box-sizing:border-box;
}
.hero-inner-wrap,.section-inner-wrap{
max-width:1200px;margin:0 auto;width:100%;
.profile-wrap{
max-width:1100px !important;
margin-left:auto !important;
margin-right:auto !important;
width:100% !important;
box-sizing:border-box !important;
padding-left:clamp(16px,4%,60px) !important;
padding-right:clamp(16px,4%,60px) !important;
nav{
.hero{
padding-left:clamp(16px,5%,80px) !important;
padding-right:clamp(16px,5%,80px) !important;
.top-section,.map-section,.rec-section,.how-section,
.about-stats,.about-contact,.newsletter-section{
footer{
.footer-top{
max-width:1200px;margin:0 auto;
.top-cards{max-width:1200px;margin-left:auto;margin-right:auto;}
.rec-cards{max-width:1200px;margin-left:auto;margin-right:auto;}
.how-cards,.how-grid{max-width:1200px;margin-left:auto;margin-right:auto;}
.contact-section{margin-bottom:32px;padding:28px 32px;background:#F0FDF4;border-radius:14px;border:1px solid #BBF7D0;}
.contact-section h3{font-family:'Playfair Display',serif;font-size:20px;color:var(--dark);margin-bottom:6px;}
.contact-section p{font-size:14px;color:#666;margin-bottom:20px;line-height:1.6;}
.contact-items{display:flex;flex-direction:column;gap:10px;}
.contact-item{display:flex;align-items:center;gap:14px;padding:12px 16px;background:white;border:1px solid #BBF7D0;border-radius:8px;}
.contact-label{font-size:11px;color:#AAA;text-transform:uppercase;letter-spacing:1px;margin-bottom:2px;}
.contact-val{font-size:14px;font-weight:600;color:var(--dark);}
.connect-btn{display:block;width:100%;margin-top:20px;padding:14px 0;background:#2E7D32;color:white;border-radius:8px;font-size:15px;font-weight:700;text-align:center;transition:background .15s;}
/* SEARCH BAR   same as advisor-ratings */
.search-section{background:var(--light);padding:40px 60px;border-bottom:1px solid #E8E8E8;}
.search-inner{max-width:780px;margin:0 auto;}
.search-bar button{background:var(--orange);color:white;border:none;padding:18px 36px;font-size:16px;font-weight:700;cursor:pointer;white-space:nowrap;}
.search-section{background:var(--light);padding:60px 60px 50px;border-bottom:1px solid #E8E8E8;}
background-image:repeating-linear-gradient(45deg,transparent,transparent 24px,#F2652208 24px,#F2652208 25px);}
/* Active nav + fixes */
.nav-links li.active-nav > a,
.nav-links li.active-nav > span {
    color: var(--orange) !important;
    border-bottom-color: var(--orange) !important;
}
.dropdown-section { display: none !important; }
.dropdown-divider { margin: 0 !important; }
.dropdown a { font-size: 13px !important; padding: 9px 18px !important; }
.social-btn { background: rgba(255,255,255,0.1) !important; border: none !important; }

@media(max-width:768px){
nav{padding:0 16px;height:64px;}
.nav-links,.nav-cta{display:none;}
.nav-hamburger{display:flex;}
.mobile-menu{display:none;position:absolute;top:64px;left:0;right:0;background:white;border-bottom:2px solid #E8E8E8;padding:16px;z-index:299;}
.mobile-menu.open{display:block;}
.mobile-menu a{display:block;padding:12px 0;font-size:15px;color:#222;border-bottom:1px solid #F0F0F0;}
.hero{flex-direction:column;padding:32px 16px;}
.hero-left h1{font-size:28px;}
.search-box{width:100%;margin-top:24px;}
.top5-grid{grid-template-columns:1fr;}
.rec-grid{grid-template-columns:1fr;}
.wwd-grid{grid-template-columns:1fr;}
.map-section{display:none;}
.top5,.rec-section,.wwd{padding:32px 16px;}
footer{padding:32px 16px 24px;}
.footer-top{grid-template-columns:1fr 1fr;}
.section-wrap h2{font-size:22px;}
.team-grid{grid-template-columns:1fr;}
.ria-row{flex-direction:column;gap:12px;}
.search-section,.controls-wrap{padding:20px 16px;}
.tier-tabs{padding:0 16px;overflow-x:auto;}
}
@media(max-width:480px){
.footer-top{grid-template-columns:1fr;}
}

/* ===== COMPREHENSIVE MOBILE FIX ===== */
@media(max-width:768px){

html,body{overflow-x:hidden;}

/* Nav — inner div has inline padding:0 60px */
nav{padding:0 !important;height:64px;}
nav>div{padding:0 16px !important;}
.nav-links,.nav-cta{display:none !important;}
.nav-hamburger{display:flex !important;}

/* Hero — inner div has inline padding:0 60px + display:flex */
.hero{flex-direction:column;padding:32px 0;min-height:auto;}
.hero>div{flex-direction:column !important;align-items:flex-start !important;gap:20px !important;padding-left:16px !important;padding-right:16px !important;}
.hero-left h1{font-size:26px;}
.search-box{width:100% !important;}

/* Top 5 — inner div has inline padding:0 60px */
.top5{padding:32px 0;}
.top5>div{padding-left:16px !important;padding-right:16px !important;}
.top5-grid{grid-template-columns:1fr;}

/* Rating tiers — inner div has inline padding:0 60px */
.rec-section{padding:32px 0;}
.rec-section>div{padding-left:16px !important;padding-right:16px !important;}
.rec-grid{grid-template-columns:1fr;}
.rec-card{padding:28px 20px;}

/* How it works — inner div has inline padding:0 60px */
.wwd{padding:32px 0;}
.wwd>div{padding-left:16px !important;padding-right:16px !important;}
.wwd-grid{grid-template-columns:1fr;}

/* Newsletter */
.newsletter{padding:32px 16px;}
.newsletter-form{flex-direction:column;}
.newsletter-form input,.newsletter-form button{width:100%;}

/* Footer */
footer{padding:32px 16px 24px;}
.footer-top{grid-template-columns:1fr 1fr;}

/* Global section headings */
.section-wrap h2{font-size:22px;}

/* Page hero (content pages) */
.page-hero{padding:40px 16px;}
.page-hero-inner{padding:0;}
.page-hero h1{font-size:26px;}
.hero-inner{padding:0;}
.hero-inner h1{font-size:26px;}
.page-header{padding:24px 16px;}

/* Article content */
.content{padding:32px 16px 48px;}

/* About page */
.mission{padding:40px 0;}
.mission-inner{padding-left:16px;padding-right:16px;}
.mission h2{font-size:24px;}
.mission-stats{grid-template-columns:1fr;}
.how-investors{padding:40px 0;}
.how-inner{padding-left:16px;padding-right:16px;}
.how-inner h2{font-size:24px;}
.how-grid{grid-template-columns:1fr;}
.how-rate{padding:40px 0;}
.how-rate-inner{padding-left:16px;padding-right:16px;}
.how-rate-inner h2{font-size:24px;}
.rate-grid{grid-template-columns:1fr;gap:0;}
.values{padding:40px 0;}
.values-inner{padding-left:16px;padding-right:16px;}
.values h2{font-size:24px;}
.values-grid{grid-template-columns:1fr;}
.leadership h2{font-size:24px;}
.team-grid{grid-template-columns:1fr;}

/* CTA banner */
.cta-banner{padding:32px 16px;}
.cta-banner-inner{flex-direction:column;gap:20px;max-width:100%;text-align:center;}
.cta-banner-btns{justify-content:center;flex-wrap:wrap;}

/* Contact page */
.contact-section{padding:32px 16px;}
.contact-inner{grid-template-columns:1fr;gap:24px;}
.contact-right{padding:28px 20px;}

/* Map */
.map-section{display:none;}

/* Advisor ratings — search bar stacks */
.search-section{padding:24px 16px;}
.search-inner{text-align:left;}
.search-inner h2{font-size:22px;}
.search-bar{flex-direction:column;border-radius:10px;}
.search-bar input,.search-bar select,.search-bar button{width:100%;border-left:none;border-right:none;min-width:0;}
.search-bar input{border-radius:0;}
.search-bar select{border-top:1px solid #E8E8E8;border-radius:0;}
.search-bar button{border-radius:0 0 8px 8px;padding:14px;}

/* Tier selector */
.tier-section{padding:24px 16px;}
.tier-cards{grid-template-columns:1fr;}
.tier-circle{width:80px;height:80px;}
.tier-sym{font-size:32px;}
.tier-big{font-size:22px;}

/* Results controls */
.controls-wrap{padding:16px;}
.controls-inner{flex-direction:column;align-items:stretch;gap:12px;}
.sort-row{justify-content:flex-start;}
.tier-tabs{padding:0;overflow-x:auto;-webkit-overflow-scrolling:touch;}

/* RIA rows — was display:grid, now flex */
.results-section{padding:16px 16px 48px;}
.ria-row{display:flex !important;flex-direction:column;gap:10px;padding:16px;}
.ria-btns{flex-direction:row;min-width:auto;width:100%;}
.btn-profile,.btn-connect{flex:1;}
.ria-meta{gap:8px;}

/* Blog */
.blog-wrap{padding:24px 16px;}
.blog-grid{grid-template-columns:1fr;}
.blog-featured{grid-template-columns:1fr;}
.blog-featured-body{padding:24px;}
.categories{flex-wrap:wrap;}

/* Investment calculator */
.calc-wrap{padding:24px 16px 48px;}
.calc-tabs{overflow-x:auto;-webkit-overflow-scrolling:touch;}
.calc-tab{font-size:13px;padding:12px 14px;white-space:nowrap;}
.calc-grid{grid-template-columns:1fr;gap:24px;}
.form-row{grid-template-columns:1fr;}

/* RIA profile */
.profile-wrap{padding:24px 16px 48px;}
.profile-top{grid-template-columns:1fr;gap:24px;}
.info-grid{grid-template-columns:1fr;}
.score-card{padding:24px 16px;}
.score-circle-wrap{width:180px;height:180px;}
.score-circle-wrap svg{width:180px;height:180px;}

/* Popups */
.popup-box{padding:24px 16px;width:95%;max-width:95%;}

/* Page CTA blocks */
.page-cta-btns{flex-direction:column;align-items:stretch;}
.page-cta-btn{text-align:center;}
}

@media(max-width:480px){
.footer-top{grid-template-columns:1fr;}
.hero-left h1{font-size:22px;}
.page-hero h1,.hero-inner h1{font-size:22px;}
.newsletter h2{font-size:22px;}
.cta-banner-left h2{font-size:20px;}
.firm-card{padding:20px 16px;}
.contact-right-stats{grid-template-columns:1fr 1fr;}
}