@import url('https://fonts.googleapis.com/css2?family=Montserrat:wght@400;500;600;700;800;900&display=swap');

:root{
  --navy:#041A3F;
  --gold:#E5A308;
  --gold-soft:#FBF3D6;
  --ink:#16233A;
  --muted:#667085;
  --line:#D9DEE7;
  --gray:#F5F6F8;
  --white:#FFFFFF;
}

*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:"Montserrat",Arial,sans-serif;color:var(--ink);line-height:1.65;background:var(--white)}
.wrap{width:min(1120px,92%);margin:auto}
.narrow{max-width:820px}
header{position:sticky;top:0;background:var(--white);z-index:5;border-bottom:5px solid var(--gold)}
.nav{min-height:74px;display:flex;align-items:center;gap:28px}
.brand{margin-right:auto;color:var(--navy);font-weight:900;letter-spacing:.045em;text-decoration:none;font-size:18px}
.brand span{display:block;font-size:9px;letter-spacing:.13em;font-weight:700}
nav{display:flex;gap:18px}
nav a{text-decoration:none;color:var(--navy);font-size:11px;font-weight:800;letter-spacing:.015em}
nav a:hover{color:#9A6C00}
.hero,.planhero{background:var(--gold);padding:82px 0}
.hero-grid{display:grid;grid-template-columns:1.08fr .92fr;gap:65px;align-items:center}
.eyebrow{font-size:11px;font-weight:900;letter-spacing:.18em;color:var(--navy);text-transform:uppercase}
h1,h2,h3{color:var(--navy);font-family:"Montserrat",Arial,sans-serif}
h1{font-size:clamp(48px,6vw,76px);line-height:1.01;letter-spacing:-.045em;margin:12px 0 25px;font-weight:900}
h1 em{font-family:inherit;font-style:normal;color:var(--navy);font-weight:900}
h2{font-size:clamp(34px,4vw,53px);line-height:1.08;letter-spacing:-.035em;font-weight:800}
h3{font-weight:800;line-height:1.2}
.lead{font-size:20px;font-weight:500;color:var(--navy)}
.btn{display:inline-block;background:var(--navy);color:var(--white);text-decoration:none;padding:13px 21px;border-radius:2px;font-weight:800;font-size:13px;letter-spacing:.045em;text-transform:uppercase;margin:5px;border:2px solid var(--navy)}
.btn:hover{background:#0A2B62;border-color:#0A2B62}
.btn.alt{background:var(--white);color:var(--navy);border:2px solid var(--navy)}
.btn.alt:hover{background:var(--gold-soft)}
.photo{height:510px;overflow:hidden;background:var(--navy);box-shadow:18px 18px 0 var(--navy);border:5px solid var(--white)}
.photo img{width:100%;height:100%;object-fit:cover;object-position:50% 32%}
.section{padding:88px 0}
.big{font-size:25px;line-height:1.45;color:#263550;font-weight:600}
.green{background:var(--navy);color:var(--white);border-top:7px solid var(--gold);border-bottom:7px solid var(--gold)}
.green h2,.green h3{color:var(--white)}
.green .eyebrow{color:var(--gold)}
.intro{font-size:21px;max-width:850px;font-weight:500}
.three,.leadgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:0;margin-top:32px}
.three article{padding:28px 35px 25px 0;border-top:1px solid rgba(255,255,255,.3)}
.three article+article{padding-left:35px;border-left:1px solid rgba(255,255,255,.3)}
.three b{font-size:12px;color:var(--gold);font-weight:900}
.more a{color:var(--gold);font-weight:800}
.tax-goal{margin:34px 0 10px;padding:22px 25px;background:var(--gold);color:var(--navy);border-left:6px solid var(--white);max-width:900px;font-size:18px;line-height:1.5}
.two{display:grid;grid-template-columns:1fr 1fr;gap:80px}
.cream{background:var(--gold-soft)}
.leadgrid article{padding:28px 32px}
.leadgrid article:first-child{padding-left:0}
.leadgrid article:last-child{padding-right:0}
.leadgrid article+article{border-left:1px solid #C8B46A}
.recordgrid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px;margin-top:34px}
.recordgrid article{border:1px solid var(--line);border-top:6px solid var(--gold);background:var(--white);padding:28px}
.recordgrid b{color:var(--navy);font-size:12px;font-weight:900;letter-spacing:.055em}
.recordgrid h3{margin:10px 0 12px}
.recordgrid p{margin-bottom:0;color:var(--muted);font-size:15px}
.priorities-section{background:var(--navy);color:var(--white);border-top:7px solid var(--gold);border-bottom:7px solid var(--gold)}
.priorities-section h2,.priorities-section h3{color:var(--white)}
.priorities-section .eyebrow{color:var(--gold)}
.prioritygrid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;margin-top:34px}
.prioritygrid article{padding:25px;border:1px solid rgba(255,255,255,.22);border-top:5px solid var(--gold);background:rgba(255,255,255,.04)}
.prioritygrid b{color:var(--gold);font-size:12px;font-weight:900}
.prioritygrid h3{margin:10px 0 12px}
.prioritygrid p{margin-bottom:0}
.card-link{margin-top:15px!important}
.card-link a{color:var(--gold);font-weight:800;text-decoration:none}
.card-link a:hover{text-decoration:underline}
.gray{background:var(--gray)}
.cards{display:grid;grid-template-columns:repeat(4,1fr);gap:15px}
.cards article{border:1px solid var(--line);border-top:6px solid var(--gold);background:var(--white);padding:25px}
.cards b{color:var(--navy);font-size:12px;font-weight:900;letter-spacing:.055em}
.cards p{color:var(--muted);font-size:15px}
.quote{background:var(--gold);padding:70px 0;text-align:center;border-top:7px solid var(--navy);border-bottom:7px solid var(--navy)}
.quote blockquote{font-family:"Montserrat",Arial,sans-serif;font-size:clamp(38px,5vw,58px);color:var(--navy);margin:0 0 12px;font-weight:900;letter-spacing:-.035em}
.quote strong{color:var(--navy);font-weight:800}
.contact{border-left:5px solid var(--gold);padding-left:28px;display:flex;flex-direction:column;gap:13px}
.contact a{color:var(--navy);font-size:18px;font-weight:800;text-decoration:none}
.contact a:hover{text-decoration:underline}
footer{background:var(--navy);color:var(--white);padding:30px 0;border-top:7px solid var(--gold)}
.foot{display:flex;justify-content:space-between;gap:25px}
.foot strong{font-weight:900;letter-spacing:.035em}
.foot span{text-align:right;font-size:12px;font-weight:600}
.article-callout{margin:34px 0;padding:24px 28px;background:var(--gold-soft);border-left:6px solid var(--navy);color:var(--navy);font-size:21px;line-height:1.45;font-weight:700}
.article-closing{margin:36px 0 24px;padding-top:26px;border-top:5px solid var(--gold);font-family:"Montserrat",Arial,sans-serif;font-size:29px;line-height:1.35;color:var(--navy);font-weight:800}

@media(max-width:900px){
  nav{display:none}
  .hero-grid,.two{grid-template-columns:1fr}
  .cards{grid-template-columns:1fr 1fr}
  .three,.leadgrid{grid-template-columns:1fr}
  .prioritygrid{grid-template-columns:1fr 1fr}
  .three article,.three article+article{padding:24px 0;border-left:0;border-top:1px solid rgba(255,255,255,.3)}
  .leadgrid article,.leadgrid article+article{padding:24px 0;border-left:0;border-top:1px solid #C8B46A}
  .leadgrid article:first-child{border-top:0}
  .photo{height:440px}
  .section{padding:64px 0}
  .foot{flex-direction:column}
  .foot span{text-align:left}
}
@media(max-width:720px){
  .recordgrid,.prioritygrid{grid-template-columns:1fr}
  .recordgrid article,.prioritygrid article{padding:22px}
}
@media(max-width:520px){
  .wrap{width:min(100% - 32px,1120px)}
  .cards{grid-template-columns:1fr}
  .photo{height:370px;box-shadow:10px 10px 0 var(--navy)}
  h1{font-size:42px}
  h2{font-size:34px}
  .big{font-size:22px}
  .brand{font-size:16px}
  .hero,.planhero{padding:58px 0}
  .section{padding:54px 0}
  .tax-goal{font-size:17px;padding:20px;margin-top:28px}
  .contact{padding-left:20px}
  .contact a{font-size:16px;overflow-wrap:anywhere}
  .recordgrid,.prioritygrid{gap:14px}
}