/* Alan Bush 360 — Momentum visual system
   Added after the supplied styles so every existing service page keeps its behavior and gains the refreshed brand layer. */
:root {
  --pulse-ink: #09283d;
  --pulse-deep: #071e30;
  --pulse-blue: #2469f5;
  --pulse-sky: #42d6db;
  --pulse-lime: #b8ef48;
  --pulse-paper: #f7f9f6;
  --pulse-cloud: #edf4f5;
  --pulse-muted: #526977;
  --pulse-line: #d9e5e8;
  --pulse-white: #ffffff;
  --pulse-radius: 28px;
  --pulse-shadow: 0 24px 64px rgba(9, 40, 61, .13);
  --pulse-shadow-soft: 0 14px 36px rgba(9, 40, 61, .09);
  --pulse-ease: cubic-bezier(.2, .75, .25, 1);
}

html { scroll-behavior: smooth; scroll-padding-top: 90px; }
body {
  color: var(--pulse-ink);
  background: var(--pulse-paper);
  font-family: Inter, "Avenir Next", Avenir, "Segoe UI", ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;
  line-height: 1.65;
  text-rendering: optimizeLegibility;
  -webkit-font-smoothing: antialiased;
}
main { overflow: clip; }
img { height: auto; }
::selection { color: var(--pulse-ink); background: var(--pulse-lime); }
:target { scroll-margin-top: 96px; }
a { text-underline-offset: .2em; }

.skip-link { z-index: 100; border-radius: 999px; color: var(--pulse-ink); background: var(--pulse-lime); }
a:focus-visible, button:focus-visible, input:focus-visible, select:focus-visible,
textarea:focus-visible, summary:focus-visible {
  outline: 3px solid #2469f5;
  outline-offset: 4px;
  box-shadow: 0 0 0 6px rgba(255,255,255,.92);
}

.top-strip {
  padding: 9px 18px;
  color: var(--pulse-ink);
  background: var(--pulse-lime);
  font-size: .76rem;
  font-weight: 900;
  letter-spacing: .095em;
  text-transform: uppercase;
}
.site-header {
  position: sticky;
  z-index: 30;
  top: 0;
  gap: 24px;
  padding: 13px clamp(20px, 5vw, 76px);
  border-bottom: 1px solid rgba(9,40,61,.08);
  background: rgba(255,255,255,.94);
  box-shadow: 0 6px 24px rgba(9,40,61,.035);
  backdrop-filter: blur(18px);
}
.logo-wrap img { width: 216px; max-width: 56vw; }
.site-header nav { flex-wrap: wrap; justify-content: flex-end; gap: 6px; color: var(--pulse-ink); }
.site-header nav a:not(.nav-cta) {
  display: inline-flex;
  align-items: center;
  min-height: 44px;
  padding: 0 12px;
  border-radius: 999px;
  color: #29475a;
  font-size: .82rem;
  font-weight: 760;
  transition: background .2s var(--pulse-ease), color .2s var(--pulse-ease);
}
.site-header nav a:not(.nav-cta):hover { color: var(--pulse-ink); background: #edf4f5; }
.nav-cta {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 46px;
  padding: 0 20px;
  border: 1px solid var(--pulse-lime);
  border-radius: 999px;
  color: var(--pulse-ink);
  background: var(--pulse-lime);
  box-shadow: 0 7px 18px rgba(108,151,22,.16);
  font-size: .85rem;
  font-weight: 900;
  transition: transform .2s var(--pulse-ease), box-shadow .2s var(--pulse-ease);
}
.nav-cta:hover { transform: translateY(-2px); box-shadow: 0 12px 24px rgba(108,151,22,.25); }
.nav-toggle {
  width: 46px;
  height: 46px;
  border: 1px solid var(--pulse-line);
  border-radius: 15px;
  color: var(--pulse-ink);
  background: var(--pulse-cloud);
}

.hero {
  position: relative;
  isolation: isolate;
  display: grid;
  grid-template-columns: minmax(0, 1.08fr) minmax(310px, .92fr);
  align-items: center;
  gap: clamp(32px, 5vw, 78px);
  min-height: 640px;
  padding: 66px clamp(24px, 7vw, 112px) 74px;
  color: #fff;
  background:
    radial-gradient(ellipse at 74% 0%, rgba(36,105,245,.35), transparent 35%),
    radial-gradient(ellipse at 4% 100%, rgba(66,214,219,.16), transparent 36%),
    linear-gradient(118deg, #071e30 0%, #0b3650 58%, #09283d 100%);
}
.hero::before {
  position: absolute;
  z-index: -1;
  inset: 0;
  background-image: radial-gradient(rgba(255,255,255,.15) .7px, transparent .7px);
  background-size: 24px 24px;
  opacity: .12;
  content: "";
}
.hero::after {
  position: absolute;
  z-index: -1;
  right: -160px;
  bottom: -290px;
  width: 540px;
  height: 540px;
  border: 1px solid rgba(184,239,72,.22);
  border-radius: 50%;
  box-shadow: 0 0 0 34px rgba(184,239,72,.035), 0 0 0 72px rgba(66,214,219,.035);
  content: "";
  pointer-events: none;
}
.hero-content, .hero-visual { position: relative; z-index: 1; }
.hero-content { max-width: 700px; }
.eyebrow, .section-kicker {
  color: #3975ec;
  font-size: .75rem;
  font-weight: 900;
  letter-spacing: .14em;
  line-height: 1.45;
  text-transform: uppercase;
}
.hero .eyebrow { display: inline-flex; align-items: center; gap: 9px; color: var(--pulse-lime); }
.hero .eyebrow::before { width: 26px; height: 2px; background: var(--pulse-lime); content: ""; }
.hero h1 {
  max-width: 760px;
  margin: 18px 0 22px;
  color: #fff;
  font-size: clamp(3rem, 5.35vw, 5.5rem);
  font-weight: 860;
  letter-spacing: -.065em;
  line-height: .99;
}
.hero-title-accent { color: var(--pulse-lime); }
.hero-sub { max-width: 62ch; color: rgba(239,247,250,.83); font-size: clamp(1.02rem, 1.3vw, 1.14rem); line-height: 1.75; }
.hero-actions, .action-row { display: flex; align-items: center; flex-wrap: wrap; gap: 12px; }
.hero-actions { margin-top: 28px; }
.btn {
  min-height: 48px;
  padding: 12px 19px;
  border: 1px solid transparent;
  border-radius: 999px;
  font-size: .9rem;
  font-weight: 850;
  line-height: 1.25;
  text-decoration: none;
  transition: transform .2s var(--pulse-ease), box-shadow .2s var(--pulse-ease), background .2s var(--pulse-ease), border-color .2s var(--pulse-ease);
}
.btn:hover { transform: translateY(-2px); box-shadow: 0 12px 28px rgba(9,40,61,.15); }
.btn.primary { border-color: var(--pulse-lime); color: var(--pulse-ink); background: var(--pulse-lime); box-shadow: 0 9px 24px rgba(137,184,42,.22); }
.btn.primary:hover { border-color: #c8fa67; background: #c8fa67; }
.btn.secondary { border-color: #c8dadd; color: var(--pulse-ink); background: rgba(255,255,255,.92); }
.btn.partner { border-color: var(--pulse-blue); color: white; background: var(--pulse-blue); }
.hero-actions .btn.secondary { border-color: rgba(255,255,255,.35); color: #fff; background: rgba(255,255,255,.07); box-shadow: none; }
.hero-actions .btn.secondary:hover { background: rgba(255,255,255,.14); }
.trust-row { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 28px; }
.trust-row span { padding: 7px 10px; border: 1px solid rgba(255,255,255,.16); border-radius: 999px; color: rgba(239,247,250,.82); background: rgba(255,255,255,.055); font-size: .7rem; font-weight: 760; }
.hero-visual {
  min-height: 440px;
  overflow: hidden;
  border: 1px solid rgba(255,255,255,.34);
  border-radius: 34px;
  background: #153d53;
  box-shadow: 0 34px 84px rgba(0,0,0,.34);
  animation: hero-enter .75s var(--pulse-ease) both;
}
.hero-visual::before { position: absolute; z-index: 1; inset: 0; background: linear-gradient(0deg, rgba(4,24,38,.78), transparent 56%), linear-gradient(120deg, rgba(6,32,48,.12), rgba(36,105,245,.14)); content: ""; }
.hero-visual-image { display: block; width: 100%; height: 100%; min-height: 440px; object-fit: cover; object-position: 50% center; }
.hero-orbit {
  position: absolute;
  z-index: 2;
  top: 22px;
  right: 22px;
  display: grid;
  width: 92px;
  height: 92px;
  place-items: center;
  border: 1px solid rgba(255,255,255,.65);
  border-radius: 50%;
  color: #fff;
  background: rgba(9,40,61,.56);
  box-shadow: 0 0 0 9px rgba(255,255,255,.1), inset 0 0 0 8px rgba(184,239,72,.1);
  font-size: 1.5rem;
  font-weight: 900;
  letter-spacing: -.08em;
  backdrop-filter: blur(10px);
}
.hero-orbit::after { position: absolute; right: 3px; top: 14px; width: 12px; height: 12px; border: 2px solid var(--pulse-ink); border-radius: 50%; background: var(--pulse-lime); content: ""; }
.hero-proof-card {
  position: absolute;
  z-index: 2;
  right: 24px;
  bottom: 24px;
  left: 24px;
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 16px 18px;
  border: 1px solid rgba(255,255,255,.32);
  border-radius: 19px;
  color: #fff;
  background: rgba(7,30,48,.78);
  box-shadow: 0 18px 40px rgba(0,0,0,.22);
  backdrop-filter: blur(16px);
}
.hero-proof-mark { display: grid; flex: 0 0 43px; width: 43px; height: 43px; place-items: center; border-radius: 14px; color: var(--pulse-ink); background: var(--pulse-lime); font-size: .8rem; font-weight: 950; }
.hero-proof-card strong, .hero-proof-card small { display: block; }
.hero-proof-card strong { font-size: .97rem; line-height: 1.2; }
.hero-proof-card small { margin-top: 4px; color: rgba(255,255,255,.76); font-size: .72rem; }
@keyframes hero-enter { from { opacity: 0; transform: translateY(18px) scale(.985); } to { opacity: 1; transform: translateY(0) scale(1); } }

.why-start, .outcome-paths, .section, .different-path, .router-section, .authority, .faq, .related-topics, .specialist-context, .business-flagships, .goall-resources, .goall-value {
  position: relative;
  max-width: 1280px;
  margin-right: auto;
  margin-left: auto;
  padding: 76px clamp(20px, 5vw, 58px);
}
.why-start { padding-top: 62px; padding-bottom: 50px; }
.why-start h2, .outcome-paths h2, .section h2, .different-path h2, .router-section h2, .authority h2, .faq h2, .related-topics h2, .topic-hero h1 {
  color: var(--pulse-ink);
  font-size: clamp(2rem, 3.8vw, 3.55rem);
  font-weight: 850;
  letter-spacing: -.055em;
  line-height: 1.06;
}
.why-start h2, .outcome-paths > h2 { max-width: 800px; }
.why-start > p:not(.section-kicker), .outcome-paths > p:not(.section-kicker), .section-heading > p:not(.section-kicker) { max-width: 760px; color: var(--pulse-muted); }
.why-grid { display: grid; grid-template-columns: repeat(4, minmax(0,1fr)); gap: 12px; margin-top: 28px; }
.why-item { min-height: 132px; padding: 19px; border: 1px solid rgba(9,40,61,.08); border-radius: 19px; background: #fff; box-shadow: 0 10px 26px rgba(9,40,61,.045); }
.why-item strong, .why-item span { display: block; }
.why-item strong { margin-bottom: 7px; color: var(--pulse-ink); font-size: .98rem; }
.why-item span { color: var(--pulse-muted); font-size: .84rem; line-height: 1.55; }

.outcome-paths { max-width: none; margin: 18px clamp(12px, 3vw, 42px); padding: 68px clamp(20px, 6vw, 84px); border-radius: 34px; background: #eaf3f1; }
.outcome-grid { display: grid; grid-template-columns: repeat(3, minmax(0,1fr)); gap: 14px; margin-top: 30px; }
.outcome-card {
  position: relative;
  display: flex;
  min-height: 226px;
  flex-direction: column;
  align-items: flex-start;
  padding: 23px;
  overflow: hidden;
  border: 1px solid rgba(9,40,61,.08);
  border-radius: 22px;
  background: #fff;
  box-shadow: 0 11px 28px rgba(9,40,61,.055);
  transition: transform .25s var(--pulse-ease), box-shadow .25s var(--pulse-ease);
}
.outcome-card::after { position: absolute; top: -36px; right: -36px; width: 120px; height: 120px; border: 1px solid rgba(36,105,245,.09); border-radius: 50%; box-shadow: 0 0 0 15px rgba(36,105,245,.035); content: ""; }
.outcome-card:hover, .outcome-card:focus-within { transform: translateY(-5px); box-shadow: var(--pulse-shadow-soft); }
.outcome-icon { display: grid; width: 46px; height: 46px; place-items: center; border-radius: 15px; color: var(--pulse-ink); background: var(--pulse-lime); }
.outcome-icon svg, .card-icon svg { width: 23px; height: 23px; fill: none; stroke: currentColor; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.8; }
.outcome-card h3 { margin: 15px 0 4px; color: var(--pulse-ink); font-size: 1.3rem; letter-spacing: -.025em; }
.outcome-card p { margin: 0 0 17px; color: var(--pulse-muted); font-size: .9rem; line-height: 1.45; }
.outcome-card a { margin-top: auto; color: #174fc4; font-size: .87rem; font-weight: 850; }

.router-section {
  max-width: none;
  margin: 22px clamp(12px, 3vw, 42px);
  padding: 66px clamp(20px, 6vw, 84px);
  border-radius: 34px;
  color: rgba(239,247,250,.86);
  background: radial-gradient(ellipse at 85% 0%, rgba(36,105,245,.3), transparent 35%), linear-gradient(130deg, #08243a, #0d3a55);
  box-shadow: 0 22px 54px rgba(9,40,61,.17);
}
.router-section h2 { max-width: 800px; color: #fff; }
.router-section > p:not(.section-kicker) { max-width: 760px; color: rgba(239,247,250,.82); }
.router-section .section-kicker { color: var(--pulse-lime); }
.router-form { max-width: 860px; margin-top: 28px; }
.quiz-grid { display: grid; grid-template-columns: repeat(2, minmax(0,1fr)); gap: 15px; }
.field label { display: block; margin-bottom: 8px; color: inherit; font-size: .88rem; font-weight: 800; }
.field input, .field select, .field textarea, input:not([type=checkbox]):not([type=radio]), select, textarea {
  min-height: 48px;
  border: 1px solid #cad9dd;
  border-radius: 13px;
  color: var(--pulse-ink);
  background: #fff;
  font: inherit;
}
.field input, .field select, .field textarea { width: 100%; padding: 10px 13px; }
.field select { cursor: pointer; }
.router-section .field label { color: #fff; }
.router-section .field select { border-color: rgba(255,255,255,.22); color: var(--pulse-ink); }
.router-form > button { margin-top: 19px; }
.quiz-result { margin-top: 18px; border-radius: 18px; }
.quiz-result.is-visible { padding: 21px; border: 1px solid rgba(255,255,255,.18); background: rgba(255,255,255,.08); }
.quiz-result h3 { color: #fff; }
.quiz-result p { color: rgba(255,255,255,.82); }
.quiz-result .router-route { border-color: rgba(255,255,255,.2); background: rgba(255,255,255,.08); }

.section-heading { margin-bottom: 26px; }
.section-heading h2 { margin: 5px 0 12px; }
.planning-grid, .choice-grid, .specialist-context-grid, .goall-resource-grid, .business-path-grid { gap: 16px; }
.planning-grid { grid-template-columns: repeat(3, minmax(0,1fr)); }
.two-card-grid { grid-template-columns: repeat(2, minmax(0,1fr)); }
.plan-card, .choice-card, .specialist-context-card, .business-path-card, .goall-resource-card, .life-route-card, .retirement-path-card, .topic-steps .route-step, .review-page-link, .action-intake, .lead-form, .referral-form {
  border: 1px solid rgba(9,40,61,.09);
  border-radius: 24px;
  background: #fff;
  box-shadow: 0 12px 32px rgba(9,40,61,.065);
}
.plan-card { display: flex; min-height: 288px; flex-direction: column; align-items: flex-start; padding: 24px; transition: transform .24s var(--pulse-ease), box-shadow .24s var(--pulse-ease); }
.plan-card:hover, .plan-card:focus-within { transform: translateY(-5px); box-shadow: var(--pulse-shadow); }
.plan-card h3 { color: var(--pulse-ink); font-size: 1.28rem; letter-spacing: -.025em; }
.plan-card p, .choice-card p { color: var(--pulse-muted); line-height: 1.65; }
.plan-card > a:last-child, .plan-card .card-secondary-link { margin-top: auto; padding-top: 14px; color: #174fc4; font-weight: 850; text-decoration: none; }
.plan-card > a:hover, .outcome-card a:hover { text-decoration: underline; }
.plan-card.featured { border-color: transparent; color: #fff; background: linear-gradient(145deg, #0c3048, #0a263c); }
.plan-card.featured h3 { color: #fff; }
.plan-card.featured p { color: rgba(239,247,250,.83); }
.plan-card.featured > a:last-child { color: var(--pulse-lime); }
.plan-card.featured .badge { border-color: rgba(184,239,72,.3); color: var(--pulse-ink); background: var(--pulse-lime); }
.plan-card.featured .card-fact { color: rgba(239,247,250,.76); }
.badge, .resource-type, .path-label { border-radius: 999px; font-weight: 850; }
.card-icon { width: 45px; height: 45px; border-radius: 15px; color: var(--pulse-ink); background: var(--pulse-lime); box-shadow: none; }
.plan-card.featured .card-icon { color: var(--pulse-ink); background: var(--pulse-lime); }
.card-fact { display: block; margin-top: 4px; color: #466274; font-size: .76rem; font-weight: 800; }
.different-path { max-width: none; margin: 12px clamp(12px, 3vw, 42px); padding: 68px clamp(20px, 6vw, 84px); border: 1px solid #dfece9; border-radius: 34px; background: linear-gradient(135deg,#e8f7f4,#f5f8ed 70%,#fff); }
.different-path .plan-card { background: rgba(255,255,255,.92); }
.different-path .employer-highlight { border-color: rgba(36,105,245,.35); box-shadow: 0 16px 36px rgba(36,105,245,.1); }
.employer-ribbon { padding: 5px 10px; border-radius: 999px; color: var(--pulse-ink); background: var(--pulse-lime); font-size: .69rem; font-weight: 900; text-transform: uppercase; }
.handoff-note, .choice-handoff, .specialist-context { color: #405b68; }
.solution-expansion { padding-top: 58px; padding-bottom: 58px; }
.business-savings { max-width: none; margin: 12px clamp(12px, 3vw, 42px); padding: 70px clamp(20px, 6vw, 84px); border-radius: 34px; background: #eff5f1; }
.business-savings .section-heading { max-width: 1080px; margin-left: auto; margin-right: auto; }
.business-savings .planning-grid { max-width: 1112px; margin: 0 auto; }
.panel { border: 1px solid rgba(9,40,61,.07); border-radius: 28px; background: #fff; box-shadow: var(--pulse-shadow-soft); }
#how-it-works .panel { padding: clamp(24px, 5vw, 56px); }
.why-item, .plan-card, .outcome-card, .choice-card { transition-timing-function: var(--pulse-ease); }

.topic-hero {
  position: relative;
  isolation: isolate;
  overflow: hidden;
  padding: 80px clamp(20px, 6vw, 86px);
  color: #fff;
  background: radial-gradient(ellipse at 88% 6%, rgba(36,105,245,.32), transparent 34%), linear-gradient(120deg, #071e30, #0d3a55);
}
.topic-hero::after { position: absolute; z-index: -1; right: -110px; bottom: -255px; width: 470px; height: 470px; border: 1px solid rgba(184,239,72,.2); border-radius: 50%; box-shadow: 0 0 0 28px rgba(184,239,72,.035), 0 0 0 65px rgba(66,214,219,.035); content: ""; }
.topic-hero-inner { position: relative; z-index: 1; max-width: 1160px; margin: 0 auto; }
.topic-hero .section-kicker { color: var(--pulse-lime); }
.topic-hero h1 { max-width: 1000px; margin: 12px 0 18px; color: #fff; font-size: clamp(2.5rem, 5vw, 4.7rem); }
.topic-hero p:not(.section-kicker) { max-width: 800px; color: rgba(239,247,250,.84); font-size: 1.05rem; }
.topic-hero .btn.secondary { border-color: rgba(255,255,255,.38); color: #fff; background: rgba(255,255,255,.08); }
.choice-section, .topic-overview, .topic-steps, .related-topics, .faq, .specialist-context, .action-intake, .review-page-link, .business-score-cta, .business-flagships, .goall-value, .goall-resources {
  border-radius: 26px;
}
.choice-section, .topic-overview, .topic-steps, .related-topics, .faq, .action-intake, .review-page-link { margin: 22px auto; padding: clamp(22px, 4vw, 42px); }
.choice-section, .topic-overview, .topic-steps, .related-topics, .faq { max-width: 1160px; border: 1px solid rgba(9,40,61,.08); background: #fff; box-shadow: 0 12px 32px rgba(9,40,61,.045); }
.choice-section h2, .topic-overview h2, .topic-steps h2, .related-topics h2, .faq h2 { font-size: clamp(1.8rem, 3.2vw, 2.75rem); }
.choice-grid { display: grid; grid-template-columns: repeat(2, minmax(0,1fr)); margin-top: 24px; }
.choice-card { display: flex; flex-direction: column; align-items: flex-start; padding: 25px; }
.choice-card h3 { color: var(--pulse-ink); font-size: 1.35rem; }
.choice-card .action-row { margin-top: auto; padding-top: 12px; }
.topic-list { padding-left: 1.15rem; color: var(--pulse-muted); }
.topic-list li { padding-left: 4px; margin: 7px 0; }
.faq details { margin: 12px 0; padding: 16px 18px; border: 1px solid var(--pulse-line); border-radius: 16px; background: #f9fbfa; }
.faq summary { min-height: 30px; color: var(--pulse-ink); font-weight: 850; cursor: pointer; }
.faq details p { margin: 12px 0 0; color: var(--pulse-muted); }
.compact-links { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 18px; }
.compact-links a { display: inline-flex; min-height: 44px; align-items: center; padding: 8px 14px; border: 1px solid var(--pulse-line); border-radius: 999px; color: #174fc4; background: #fff; font-weight: 800; }
.topic-overview .panel, .topic-steps .route-step, .life-route-card, .retirement-path-card, .business-path-card, .goall-resource-card, .specialist-context-card, .lead-form, .referral-form, .conversation-form, .dedicated-review-form, .action-intake { padding: 22px; }
.topic-steps .route-step h3 { color: var(--pulse-ink); }
.topic-steps .route-step p, .topic-overview .panel p { color: var(--pulse-muted); }
.step-num { display: inline-grid; width: 36px; height: 36px; place-items: center; border-radius: 50%; color: var(--pulse-ink); background: var(--pulse-lime); font-weight: 900; }

.authority { display: grid; grid-template-columns: minmax(200px,.48fr) minmax(0,1fr); align-items: center; gap: 36px; margin: 22px auto; padding: clamp(24px,5vw,54px); border-radius: 30px; background: #e9f2ef; }
.authority-grid { gap: 28px; }
.advisor-photo { max-width: 300px; border: 8px solid #fff; border-radius: 30px; box-shadow: var(--pulse-shadow); transform: rotate(-2deg); }
.advisor-photo img { border-radius: 20px; }
.credential-link { color: #174fc4; font-weight: 850; }
.disclosure, .service-disclaimer, .provider-note, .form-privacy, .goall-compliance-note {
  max-width: 1160px;
  margin: 20px auto;
  padding: 18px 20px;
  border: 1px solid #dbe6e5;
  border-left: 4px solid var(--pulse-blue);
  border-radius: 15px;
  color: #405b68;
  background: #f0f5f3;
  font-size: .87rem;
  line-height: 1.7;
}
.form-privacy, .goall-compliance-note { border-left-color: var(--pulse-lime); }
.footer-links { display: flex; flex-wrap: wrap; justify-content: center; gap: 8px 19px; }
footer {
  margin-top: 36px;
  padding: 48px 24px 36px;
  color: rgba(239,247,250,.76);
  background: linear-gradient(130deg, #071e30, #0b3650);
  text-align: center;
}
footer > img { width: 208px; max-width: 65vw; filter: grayscale(1) brightness(0) invert(1); opacity: .92; }
footer p { color: rgba(239,247,250,.76); }
footer a { color: var(--pulse-lime); }
.footer-links a { display: inline-flex; min-height: 40px; align-items: center; }
.footer-support { font-size: .82rem; }

@media (max-width: 1050px) {
  .hero { grid-template-columns: minmax(0,1fr) minmax(270px,.82fr); gap: 34px; }
  .hero-visual, .hero-visual-image { min-height: 390px; }
  .site-header { gap: 14px; }
  .site-header nav { gap: 2px; }
  .site-header nav a:not(.nav-cta) { padding: 0 8px; font-size: .77rem; }
  .planning-grid { grid-template-columns: repeat(2, minmax(0,1fr)); }
  .why-grid { grid-template-columns: repeat(2, minmax(0,1fr)); }
}
@media (max-width: 820px) {
  .hero { grid-template-columns: 1fr; gap: 34px; min-height: auto; padding-top: 58px; }
  .hero-content { max-width: 760px; }
  .hero-visual { width: min(100%, 680px); min-height: 400px; }
  .hero-visual-image { min-height: 400px; }
  .site-header:has(.nav-toggle) { flex-wrap: wrap; }
  .site-header .nav-toggle { display: inline-flex; }
  .site-header nav#main-nav { display: none; flex-basis: 100%; flex-direction: column; align-items: stretch; padding: 10px 0 4px; }
  .site-header nav#main-nav.is-open { display: flex; }
  .site-header nav#main-nav a { justify-content: flex-start; }
  .site-header nav#main-nav .nav-cta { justify-content: center; }
  .site-header:not(:has(.nav-toggle)) { flex-wrap: wrap; }
  .site-header:not(:has(.nav-toggle)) nav { width: 100%; justify-content: flex-start; }
  .site-header:not(:has(.nav-toggle)) nav a:not(.nav-cta) { padding: 0 10px; }
  .outcome-grid { grid-template-columns: repeat(2, minmax(0,1fr)); }
  .authority { grid-template-columns: minmax(150px,.42fr) minmax(0,1fr); }
}
@media (max-width: 620px) {
  .top-strip { padding: 8px 12px; font-size: .65rem; letter-spacing: .075em; }
  .site-header { padding: 11px 16px; }
  .logo-wrap img { width: 188px; }
  .hero { gap: 25px; padding: 44px 20px 48px; }
  .hero h1 { max-width: 560px; font-size: clamp(2.65rem, 12vw, 4rem); }
  .hero-sub { font-size: .98rem; }
  .hero-actions { align-items: stretch; }
  .hero-actions .btn { width: 100%; justify-content: center; }
  .trust-row { gap: 6px; margin-top: 22px; }
  .trust-row span { font-size: .65rem; }
  .hero-visual, .hero-visual-image { min-height: 285px; }
  .hero-visual { border-radius: 25px; }
  .hero-proof-card { right: 12px; bottom: 12px; left: 12px; padding: 12px; }
  .hero-orbit { top: 15px; right: 15px; width: 70px; height: 70px; font-size: 1.22rem; }
  .why-start, .outcome-paths, .section, .different-path, .router-section, .authority, .faq, .related-topics, .specialist-context, .business-flagships, .goall-resources, .goall-value { padding: 46px 20px; }
  .outcome-paths, .different-path, .business-savings, .router-section { margin-right: 10px; margin-left: 10px; border-radius: 24px; }
  .why-grid, .outcome-grid, .planning-grid, .choice-grid, .quiz-grid, .two-card-grid { grid-template-columns: 1fr; }
  .why-item { min-height: auto; }
  .outcome-card { min-height: 190px; }
  .router-section { padding: 42px 22px; }
  .topic-hero { padding: 58px 20px; }
  .topic-hero h1 { font-size: clamp(2.25rem, 10vw, 3.3rem); }
  .choice-section, .topic-overview, .topic-steps, .related-topics, .faq { margin: 14px 10px; padding: 22px 18px; }
  .choice-card, .plan-card { padding: 21px; }
  .action-row { align-items: stretch; }
  .action-row .btn { width: 100%; justify-content: center; }
  .authority { display: block; margin: 12px 10px; }
  .advisor-photo { width: min(100%, 250px); margin: 0 auto 24px; }
  .disclosure, .service-disclaimer, .provider-note, .form-privacy { margin: 14px 10px; }
  .site-header:not(:has(.nav-toggle)) nav a:not(.nav-cta) { min-height: 40px; padding: 0 6px; font-size: .71rem; }
  .site-header:not(:has(.nav-toggle)) nav .nav-cta { width: 100%; }
}
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { scroll-behavior: auto !important; animation-duration: .01ms !important; animation-iteration-count: 1 !important; transition-duration: .01ms !important; }
}

/* Preserve accessible contrast with the supplied dark-header link override. */
.site-header .nav-cta,
.site-header .nav-cta:hover {
  color: var(--pulse-ink) !important;
  text-shadow: none !important;
}

/* The legacy nav styles target #main-nav, so match that specificity for the primary action. */
.site-header #main-nav a.nav-cta,
.site-header #main-nav a.nav-cta:hover {
  color: var(--pulse-ink) !important;
  text-shadow: none !important;
}


/* v4.12.1 refinement: keep the planning status attached to the hero image. */
.hero.has-ab360-status {
  grid-template-areas: "copy image" "copy status";
  grid-template-columns: minmax(0, 1.08fr) minmax(310px, .92fr);
  grid-template-rows: minmax(350px, auto) auto;
  align-items: stretch;
  column-gap: clamp(32px, 5vw, 78px);
  row-gap: 14px;
}
.hero.has-ab360-status > .hero-content { grid-area: copy; align-self: center; }
.hero.has-ab360-status > .hero-visual { grid-area: image; align-self: end; }
.ab360-status-card {
  grid-area: status;
  display: flex;
  width: min(100%, 510px);
  min-height: 62px;
  align-items: center;
  gap: 12px;
  justify-self: start;
  padding: 10px 14px;
  border: 1px solid rgba(184,239,72,.32);
  border-radius: 17px;
  color: #f6fbfd;
  background: rgba(7,30,48,.9);
  box-shadow: 0 12px 28px rgba(0,0,0,.2);
  backdrop-filter: blur(14px);
}
.ab360-status-icon {
  display: grid;
  flex: 0 0 36px;
  width: 36px;
  height: 36px;
  place-items: center;
  border-radius: 12px;
  color: var(--pulse-ink);
  background: var(--pulse-lime);
  font-size: .67rem;
  font-weight: 950;
  letter-spacing: -.04em;
}
.ab360-status-copy { display: block; min-width: 0; }
.ab360-status-copy strong { display: block; color: #fff; font-size: .79rem; line-height: 1.2; }
.ab360-status-copy small { display: block; margin-top: 4px; color: #d3e0e5; font-size: .68rem; line-height: 1.25; }
.ab360-status-dot {
  flex: 0 0 8px;
  width: 8px;
  height: 8px;
  margin-left: auto;
  border-radius: 50%;
  background: #b8ef48;
  box-shadow: 0 0 0 4px rgba(184,239,72,.12);
  animation: ab360-status-pulse 2.8s ease-out infinite;
}
@keyframes ab360-status-pulse {
  0%, 100% { box-shadow: 0 0 0 3px rgba(184,239,72,.11); }
  50% { box-shadow: 0 0 0 7px rgba(184,239,72,0); }
}
@media (max-width: 1050px) {
  .hero.has-ab360-status { grid-template-columns: minmax(0,1fr) minmax(270px,.82fr); }
}
@media (max-width: 820px) {
  .hero.has-ab360-status {
    grid-template-areas: "copy" "image" "status";
    grid-template-columns: minmax(0,1fr);
    grid-template-rows: auto auto auto;
    row-gap: 17px;
  }
  .hero.has-ab360-status > .hero-content { grid-area: copy; }
  .hero.has-ab360-status > .hero-visual { grid-area: image; }
  .ab360-status-card { grid-area: status; width: min(100%,680px); margin-top: -5px; }
}

/* Explicit accessible colors for the named topic and featured solution cards. */
.topic-hero .eyebrow {
  color: #d9ff91 !important;
  text-shadow: 0 1px 2px rgba(0,0,0,.35);
}
#financial-strength .plan-card.featured,
#business-funding .plan-card.featured,
.business-savings .plan-card.featured {
  border: 1px solid rgba(184,239,72,.48);
  color: #f5fafb;
  background: linear-gradient(145deg,#08243a 0%,#0d3b55 100%);
}
#financial-strength .plan-card.featured h3,
#business-funding .plan-card.featured h3,
.business-savings .plan-card.featured h3 { color: #fff; }
#financial-strength .plan-card.featured p,
#business-funding .plan-card.featured p,
.business-savings .plan-card.featured p { color: #e6f0f3; }
#financial-strength .plan-card.featured .badge,
#business-funding .plan-card.featured .badge,
.business-savings .plan-card.featured .badge {
  border-color: #c8f66a;
  color: #09283d;
  background: #c8f66a;
  font-weight: 950;
  line-height: 1.3;
  text-shadow: none;
}
#financial-strength .plan-card.featured > a:last-child,
#business-funding .plan-card.featured > a:last-child,
.business-savings .plan-card.featured > a:last-child { color: #d8f98c; }
#financial-strength .plan-card.featured .card-fact,
#business-funding .plan-card.featured .card-fact,
.business-savings .plan-card.featured .card-fact { color: #d9e8ed; }

/* Compact the advisor spotlight while preserving the full copy and credentials. */
.authority { margin-top: 14px; margin-bottom: 14px; padding: clamp(20px,3.4vw,36px); }
.authority-grid {
  grid-template-columns: minmax(0,185px) minmax(0,1fr);
  max-width: 1020px;
  align-items: center;
  gap: clamp(18px,3vw,28px);
  margin: 0 auto;
}
.advisor-photo { width: 100%; max-width: 185px; margin: 0; border-width: 5px; border-radius: 24px; transform: none; }
.advisor-photo img { display: block; width: 100%; max-width: 175px; height: auto; aspect-ratio: 1; object-fit: cover; border-radius: 17px; }
.authority h2 { margin-top: 4px; margin-bottom: 12px; font-size: clamp(1.8rem,3vw,2.65rem); }
.authority p { margin-top: 9px; margin-bottom: 9px; line-height: 1.55; }
.authority .license-chips { gap: 7px; margin-top: 12px; }
@media (max-width: 620px) {
  .authority { margin: 12px 10px; padding: 24px 19px; }
  .authority-grid { grid-template-columns: minmax(0,1fr); gap: 12px; }
  .advisor-photo { width: 142px; max-width: 142px; margin: 0 auto; }
  .advisor-photo img { width: 132px; max-width: 132px; height: 132px; }
  .authority h2 { margin: 2px 0 9px; font-size: clamp(1.7rem,7.5vw,2.2rem); }
}

/* Use the supplied light wordmark rather than flattening the branded mark to white. */
footer > img {
  display: block;
  width: 270px;
  max-width: min(76vw,270px);
  height: auto;
  margin: 0 auto 13px;
  filter: none;
  opacity: 1;
}
@media (max-width: 620px) {
  footer > img { width: 246px; max-width: 78vw; }
}

/* Keep the under-image activity strip content-sized and avoid repeating the 360° mark. */
.ab360-status-card {
  align-self: start;
  width: min(100%, 430px);
  min-height: 52px;
  padding: 8px 12px;
  gap: 10px;
}
.ab360-status-icon { display: none; }
.ab360-status-dot { order: -1; margin-left: 0; }


/* Final contrast pass: use the exact section IDs so legacy selectors cannot win. */
#solutions .plan-card.featured,
#financial-strength .plan-card.featured,
#business-funding .plan-card.featured,
#business-savings .plan-card.featured {
  border: 1px solid rgba(184,239,72,.5);
  color: #f6fbfd;
  background: linear-gradient(145deg,#08243a 0%,#0d3b55 100%);
}
#solutions .plan-card.featured h3,
#financial-strength .plan-card.featured h3,
#business-funding .plan-card.featured h3,
#business-savings .plan-card.featured h3 { color: #fff; }
#solutions .plan-card.featured p,
#financial-strength .plan-card.featured p,
#business-funding .plan-card.featured p,
#business-savings .plan-card.featured p { color: #e7f0f3; }
#solutions .plan-card.featured .badge,
#financial-strength .plan-card.featured .badge,
#business-funding .plan-card.featured .badge,
#business-savings .plan-card.featured .badge {
  border-color: #c8f66a;
  color: #09283d;
  background: #c8f66a;
  font-weight: 950;
  text-shadow: none;
}
#solutions .plan-card.featured .card-fact,
#financial-strength .plan-card.featured .card-fact,
#business-funding .plan-card.featured .card-fact,
#business-savings .plan-card.featured .card-fact {
  border: 1px solid rgba(9,40,61,.16);
  color: #15364a;
  background: #f3f7ed;
  font-weight: 800;
  text-shadow: none;
}
#solutions .plan-card.featured > a:last-child,
#financial-strength .plan-card.featured > a:last-child,
#business-funding .plan-card.featured > a:last-child,
#business-savings .plan-card.featured > a:last-child { color: #d8f98c; }

/* Keep the advisor kicker above a compact portrait-and-copy pair. */
.authority {
  display: block;
  max-width: 1020px;
}
.authority > .section-kicker {
  width: min(100%,900px);
  margin: 0 auto 10px;
}
.authority-grid {
  grid-template-columns: minmax(0,150px) minmax(0,1fr);
  max-width: 900px;
  gap: 18px 22px;
  margin: 0 auto;
}
.advisor-photo { max-width: 150px; }
.advisor-photo img { max-width: 145px; }
.authority p { line-height: 1.48; }
@media (max-width: 620px) {
  .authority > .section-kicker { margin-bottom: 8px; }
  .authority-grid {
    grid-template-columns: minmax(92px,108px) minmax(0,1fr);
    gap: 12px;
    align-items: start;
  }
  .advisor-photo { width: 108px; max-width: 108px; }
  .advisor-photo img { width: 98px; max-width: 98px; height: 98px; }
  .authority h2 { font-size: clamp(1.55rem,6.5vw,1.9rem); }
  .authority p { font-size: .87rem; line-height: 1.42; }
}