/* Shared palette: warm linen surfaces, navy depth and restrained gold. */
body,.visual-home{--paper:#f5eee3;--ink:#213746;--muted:#59656a;--line:#d8cebd;--navy:#183341;--gold:#bc965c;background:#f5eee3;color:var(--ink)}
header,.visual-home header{background:#f8f2e8;border-color:#ded4c3;color:#213746}
.topbar,.visual-home .topbar{background:linear-gradient(110deg,#102635,#39515b);color:#efe3cf}
.brand strong,.visual-home .brand strong{font-family:var(--sans);font-weight:600}.brand small,.visual-home .brand small{color:#52616a}
nav .button,.visual-home nav .button{background:#203d4c;border-color:#203d4c;color:#fff7e9}.menu-button,.visual-home .menu-button{color:#203d4c}
.button{border-radius:7px}.button.gold{background:#e4c493;border-color:#e4c493;color:#203644}.button.gold:hover{background:#efd6af}
.page-hero{background:linear-gradient(115deg,#102635 0%,#304b58 52%,#65716f 100%);color:#fff7e9;border:0}.page-hero p{color:#f0e5d5}.page-hero .eyebrow{color:#edcf9c}
.section{background:transparent}.section.soft,.soft{background:#eee4d5}.card,.form-card{background:#fffaf1;border-color:#d9cdbb;border-radius:13px}.callout{background:#eadfcd;border-radius:0 10px 10px 0}.dark{background:linear-gradient(120deg,#132d3b,#3d555b);color:#fff5e6}
footer,.visual-home footer{background:linear-gradient(130deg,#132c3a,#3a5156);color:#f9efdf}.footer-links,.visual-home .footer-links{color:#f0e3ce}.fine,.visual-home .fine{color:#d6d7cf;border-color:#657175}footer .brand small,.visual-home footer .brand small{color:#d9d9cd}
.visual-home .eyebrow{color:#806035}.visual-home .visual-section-head>p,.visual-home .board-note,.visual-home .advisor-visual p{color:#59656a}
.opening-family{padding:0!important;background:#183341}.opening-family>.wrap{max-width:none;padding:0}.opening-family .family-banner{min-height:610px;border-radius:0;background:#183341}.opening-family .family-banner img{object-position:70% 48%}.opening-family .family-banner:after{background:linear-gradient(90deg,#102735fa 0%,#173342e8 31%,#233e4d8c 53%,#e8d5b315 78%),linear-gradient(0deg,#f5eee3 0%,transparent 24%)}.opening-family .family-banner>div{width:100%;max-width:1320px;margin:auto;padding:78px 48px 120px}.opening-family h1{font-size:clamp(44px,5.2vw,74px);line-height:1.08;letter-spacing:-.045em;color:#fff8ec;margin:0 0 24px;max-width:740px}.opening-family h1 em{color:#ecd1a6;font-style:normal}.opening-family .eyebrow{color:#eed4ad}.opening-family p{font-size:19px;color:#f3e9d9}.opening-actions{display:flex;align-items:center;gap:25px;flex-wrap:wrap}.opening-actions .text-link{color:#f7eedf;margin:0}
.visual-hero{background:radial-gradient(ellipse at 85% 30%,#d5e0dd80,transparent 58%),linear-gradient(#f5eee3,#ece0ce);padding:65px 0 75px}.visual-intro h2{font-size:clamp(42px,4.8vw,68px);line-height:1.06;letter-spacing:-.045em;margin:0 0 25px}.visual-intro h2 em{color:#476c6b;font-style:normal}.visual-intro p,.hero-footnote{color:#56656b}
.impact-board,.control-panel,.gap-panel,.timeline-panel{background:linear-gradient(135deg,#193444,#304951);border-color:#60747a;color:#f9f1e4;box-shadow:0 15px 42px #273b4412}
.visual-home .impact-board .board-note,.visual-home .control-panel .board-note,.visual-home .gap-panel .board-note,.visual-home .timeline-panel .board-note{color:#d3dbd9}.visual-home .gap-panel .eyebrow{color:#e7c99c}
.signal-strip{background:linear-gradient(110deg,#dcd2c0,#f4ecdf);border-color:#d6c9b5}.signal-strip p{color:#273e4a}.signal-strip .wrap>div>span{color:#74613e}
.timeline-section{background:linear-gradient(145deg,#e7ddcc,#f8f2e7);border-color:#dcd0bd}.runway-stat strong{color:#954d3e}.runway-stat span{color:#5c6465}
.risk-grid article{background:linear-gradient(135deg,#fffaf1,#eee3d2);border-color:#d8c8b2;box-shadow:0 10px 30px #664d2508}.risk-grid p{color:#59656a}.risk-grid a{color:#365f62}.risk-tag{color:#7b5d33}.step-num{color:#86673c}.visual-home .source{color:#61686a;border-color:#d6c9b5}
.library-visual{background:linear-gradient(130deg,#e9decd,#f7f0e5)}.visual-home .resource{border-color:#d5c6af}.visual-home :focus-visible{outline-color:#b37f33}.visual-home .full-logo{border:1px solid #627176}
@media(max-width:780px){.opening-family .family-banner{min-height:680px;align-items:flex-end}.opening-family .family-banner img{object-position:68% center}.opening-family .family-banner:after{background:linear-gradient(0deg,#15303bf5 4%,#193341e8 42%,#19334115 88%)}.opening-family .family-banner>div{padding:220px 28px 42px}.opening-family h1{font-size:43px;max-width:520px}.opening-family p{font-size:17px}.opening-family .eyebrow{font-size:10px}.opening-actions{gap:18px}.opening-family .text-link{font-size:13px}.visual-hero{padding-top:48px}.visual-intro h2{font-size:46px}.visual-home .header-inner .brand strong{font-size:19px}}
@media print{body,.visual-home{background:white;color:black}}

/* A family portrait that gently fades into the article. */
.income-photo-hero{position:relative;isolation:isolate;overflow:hidden;min-height:550px;display:flex;align-items:center;padding:70px 0 100px;background:#183341}
.income-family-photo{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center 48%;z-index:-2}
.income-photo-hero:after{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(90deg,#112b38f5 0%,#163342e8 35%,#1c384778 65%,#1c384710),linear-gradient(0deg,#f5eee3,transparent 28%)}
.income-photo-hero>.wrap{width:100%}.income-photo-hero h1{max-width:690px;font-size:clamp(43px,4.6vw,64px);line-height:1.08;color:#fff7e9}.income-photo-hero p{max-width:560px;color:#f0e8dc}.income-article .reading{padding-top:36px}.income-article .reading>p:first-child{font-size:20px;line-height:1.75;color:#34505a}.income-article .reading h2{color:#213f4d}.income-article .reading li{padding:8px 0}
@media(max-width:780px){.income-photo-hero{min-height:620px;align-items:flex-end;padding:230px 0 65px}.income-family-photo{object-position:72% center}.income-photo-hero:after{background:linear-gradient(0deg,#f5eee3 0%,#183440f5 12%,#183440d9 55%,#18344015 100%)}.income-photo-hero h1{font-size:42px}.income-photo-hero p{font-size:16px}.income-article .reading>p:first-child{font-size:18px}}

/* Indoor family story with room for the heading on the left. */
.income-photo-hero{min-height:600px}.income-family-photo{object-position:center 42%}.income-photo-hero:after{background:linear-gradient(90deg,#102b39f7 0%,#183443ef 28%,#1e3b4770 49%,transparent 70%),linear-gradient(0deg,#f5eee3 0%,#f5eee340 13%,transparent 32%)}
.income-photo-hero h1{max-width:520px;font-size:clamp(43px,4.5vw,62px);background:linear-gradient(120deg,#fff9ef 20%,#e6c595 100%);background-clip:text;-webkit-background-clip:text;color:transparent}.income-photo-hero p{max-width:440px}.income-article .reading{margin-left:max(28px,calc((100vw - 1144px)/2));margin-right:auto;padding-left:20px}
@media(max-width:780px){.income-photo-hero{padding:300px 0 65px;min-height:720px}.income-family-photo{object-fit:contain;object-position:80% top;width:160%;max-width:none;left:-60%;height:auto}.income-photo-hero:after{background:linear-gradient(0deg,#f5eee3 0%,#183440 10%,#183440ed 43%,#18344020 74%,transparent 100%)}.income-photo-hero h1{font-size:41px;max-width:500px}.income-article .reading{margin:0 auto;padding-left:28px}}
@media(max-width:780px){.income-family-photo{mask-image:linear-gradient(to bottom,#000 55%,transparent 100%);-webkit-mask-image:linear-gradient(to bottom,#000 55%,transparent 100%)}}

/* Article: blue title band above a faded family image and right-hand text. */
.family-reading-section{position:relative;isolation:isolate;max-width:1500px;margin:auto;overflow:hidden;min-height:1000px}
.family-reading-photo{position:absolute;left:0;top:30px;width:49%;height:900px;z-index:-1;overflow:hidden;mask-image:linear-gradient(to bottom,transparent,#000 9%,#000 68%,transparent);-webkit-mask-image:linear-gradient(to bottom,transparent,#000 9%,#000 68%,transparent)}
.family-reading-photo img{height:100%;width:100%;object-fit:cover;object-position:80% center;opacity:.88;mask-image:linear-gradient(to right,#000 45%,transparent 100%);-webkit-mask-image:linear-gradient(to right,#000 45%,transparent 100%)}
.income-article .family-reading-section .reading{margin:0 4% 0 47%;max-width:none;padding:42px 24px 70px 0}.income-article .page-hero h1{max-width:920px}.income-article .reading h2{font-size:35px}.income-article .reading ul{padding-left:20px}
@media(max-width:780px){.family-reading-section{min-height:0}.family-reading-photo{position:relative;top:0;width:100%;height:340px;margin-bottom:-55px;mask-image:linear-gradient(to bottom,#000 65%,transparent);-webkit-mask-image:linear-gradient(to bottom,#000 65%,transparent)}.family-reading-photo img{object-position:80% 30%;mask-image:none;-webkit-mask-image:none;opacity:1}.income-article .family-reading-section .reading{margin:0;padding:30px 28px 60px}.income-article .reading h2{font-size:33px}}

.footer-identity{display:flex;align-items:center;gap:44px;margin:0 0 30px}.footer-identity .full-logo,.visual-home .footer-identity .full-logo{width:210px;margin:0;flex-shrink:0}.footer-direct{display:flex;flex-direction:column;gap:9px;border-left:1px solid #83918b;padding-left:34px}.footer-contact-label{font-size:11px;letter-spacing:.1em;text-transform:uppercase;color:#e6c695;margin-bottom:3px}.footer-direct a{font-size:17px;color:#fff5e6;text-decoration:none;line-height:1.5;overflow-wrap:anywhere}.footer-direct a:hover{text-decoration:underline}@media(max-width:600px){.footer-identity{gap:24px;align-items:flex-start;flex-direction:column}.footer-direct{border-left:0;border-top:1px solid #83918b;padding:20px 0 0;width:100%}.footer-direct a{font-size:16px}}