.ref-page{background:#f8f7f3;color:#293833;font:15px/1.6 'DM Sans',sans-serif}.ref-page .previewbar{background:#283b35}.ref-wrap{width:min(1180px,88%);margin:auto}.ref-nav{height:76px;padding:0 6%;display:flex;align-items:center;justify-content:space-between;gap:30px;background:#fff;position:relative;z-index:5}.ref-logo{display:flex;align-items:center;gap:9px;font-size:13px;line-height:1.05;color:#364e42}.ref-logo b{font-size:15px}.ref-mark{display:grid;place-items:center;width:37px;height:37px;border-radius:50%;background:#cd9d80;color:white;font-size:22px}.ref-nav nav{display:flex;gap:30px;font-size:12px;font-weight:700;text-transform:uppercase;letter-spacing:.07em}.ref-nav nav a:hover,.ref-phone:hover{text-decoration:underline}.ref-phone{font-weight:700;font-size:13px}.ref-kicker{text-transform:uppercase;letter-spacing:.18em;font-size:11px!important;font-weight:700}.ref-page h1,.ref-page h2,.ref-page h3{line-height:1.1;letter-spacing:-.045em}.ref-page h1{font-size:clamp(47px,5.5vw,82px);margin:16px 0 24px}.ref-page h2{font-size:clamp(35px,4vw,58px);margin:12px 0 20px}.ref-page h3{font-size:24px}.ref-page p{max-width:650px}.ref-button{display:inline-flex;align-items:center;justify-content:center;padding:14px 24px;border-radius:4px;background:#a9684e;color:#fff;font-size:13px;font-weight:700;min-height:46px;transition:transform .2s,background .2s}.ref-button:hover{transform:translateY(-2px);background:#86543e}.ref-actions{display:flex;align-items:center;gap:24px;flex-wrap:wrap;margin-top:27px}.text-link{font-size:13px;font-weight:700;text-decoration:underline;text-underline-offset:4px}.ref-section{padding:100px 0}.ref-split{display:grid;grid-template-columns:1fr 1fr;gap:8%;align-items:center}.ref-cta{padding:85px 0;background:#dce8db}.ref-cta p{max-width:600px}.ref-footer{padding:35px 6%;display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px;background:#293b35;color:#e9efea;font-size:12px}.ref-footer small{width:100%;opacity:.75;margin-top:10px}.ref-footer a{text-decoration:underline;text-underline-offset:3px}
/* Calm Harbor: editorial image, warm white and an easy first decision */
.harbor{background:#f8f7f2;color:#2e3d38}.harbor-hero{min-height:630px;display:grid;grid-template-columns:1fr 1fr;background:#f5f2eb}.harbor-copy{padding:90px 5% 80px max(6%,calc((100vw - 1180px)/2));align-self:center}.harbor-copy h1{font-size:clamp(49px,5vw,76px)}.harbor-copy h1 em{font-style:normal;color:#618271}.harbor-copy>p:not(.ref-kicker){font-size:16px;color:#52625a}.harbor-photo{background:url('assets/advisor.png') center center/cover no-repeat;min-height:600px}.harbor-steps{padding:55px 0 70px;background:#fff}.harbor-steps h2{font-size:32px}.harbor-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:15px;margin-top:30px}.harbor-grid a{min-height:145px;background:#f3f1ea;padding:22px;display:flex;flex-direction:column;justify-content:space-between;border-radius:5px;transition:background .2s}.harbor-grid a:first-child{background:#324941;color:#fff}.harbor-grid a:hover{background:#dce9dd;color:#283b35}.harbor-grid span{font-size:11px;letter-spacing:.15em}.harbor-grid b{font-size:19px;line-height:1.2}.harbor-grid small{font-size:12px}.harbor-detail{background:#eaf0e9}.number-list>div{border-top:1px solid #a6b8a8;padding:18px 0;display:grid;grid-template-columns:45px 1fr;gap:8px}.number-list span{font-size:11px;font-weight:700;color:#9b6b51}.number-list b{font-size:18px}.number-list p{grid-column:2;margin:0;color:#617068;font-size:13px}.harbor-resource{background:#f8f7f2}.harbor-resource small{display:block;margin-top:13px}.ref-book{min-height:420px;background:#e1eadf;padding:55px 50px;box-shadow:20px 18px 0 #b4c8b4;transform:rotate(2deg);display:flex;flex-direction:column;justify-content:space-between}.ref-book span{font-size:11px;letter-spacing:.15em}.ref-book strong{font:400 72px/1 'Fraunces',serif;letter-spacing:-.06em}.ref-book p{font:22px 'Fraunces',serif}
/* Roadmap: deep sage header and measured pathway */
.roadmap{background:#fbfaf6}.roadmap-hero{background:#2c403c;color:#f8f7f0;padding:75px 0 0}.roadmap-hero .ref-wrap{display:grid;grid-template-columns:.9fr 1.1fr;gap:7%}.roadmap-intro{padding-bottom:85px}.roadmap-intro h1{font-size:clamp(48px,5vw,70px)}.roadmap-intro p{color:#d7e1d9}.roadmap-path{display:grid;grid-template-columns:repeat(4,1fr);align-self:end;background:#f5f2e9;color:#33473e;padding:25px 10px 35px;min-height:255px}.roadmap-path>div{padding:12px;border-right:1px solid #ced9cc;display:flex;flex-direction:column;gap:12px}.roadmap-path>div:last-child{border:0}.roadmap-path span{width:37px;height:37px;border-radius:50%;display:grid;place-items:center;background:#d4e4d3;color:#45634f;font-weight:700}.roadmap-path b{font-size:15px;line-height:1.2}.roadmap-path small{font-size:11px;line-height:1.4}.road-section{background:#fbfaf6}.road-layout{display:grid;grid-template-columns:1.35fr 1fr;gap:40px;margin-top:45px}.road-accordion details{background:#fff;border:1px solid #e0e5dc;margin-bottom:10px;border-radius:5px;padding:16px 20px}.road-accordion summary,.toolkit-questions summary{cursor:pointer;font-weight:700;list-style:none}.road-accordion summary:after,.toolkit-questions summary:after{content:'+';float:right}.road-accordion details[open] summary:after,.toolkit-questions details[open] summary:after{content:'−'}.road-accordion summary span{color:#a9684e;margin-right:15px}.road-accordion p{font-size:13px;color:#596a60;margin:14px 0 0 30px}.road-packet{background:#e8eee4;border-radius:5px;padding:25px;display:grid;grid-template-columns:125px 1fr;gap:20px;align-self:start}.mini-book{background:#304b43;color:#fff;padding:15px 12px;min-height:180px;box-shadow:7px 7px 0 #b9ccba}.mini-book span{font-size:9px;letter-spacing:.08em}.mini-book b{display:block;font:400 25px/1.1 'Fraunces',serif;margin-top:32px}.road-packet h3{font-size:20px;margin:6px 0}.road-packet p{font-size:12px}.road-packet a{font-size:12px;font-weight:700;color:#a35e44;text-decoration:underline}
/* Concierge: clear access without a fake intake form */
.concierge{background:#f6f5ef}.concierge-hero{min-height:630px;background:url('assets/home.png') center 58%/cover no-repeat;position:relative;color:white}.concierge-shade{position:absolute;inset:0;background:linear-gradient(90deg,#1c302fd9 0%,#1c302f99 55%,#1c302f38 100%)}.concierge-layout{position:relative;display:grid;grid-template-columns:1fr 380px;gap:9%;align-items:center;min-height:630px;padding:60px 0}.concierge-copy h1{max-width:630px}.concierge-copy p{max-width:480px}.concierge-card{background:#f9f8f2;color:#2f453b;padding:32px;box-shadow:0 18px 45px #13262255;border-radius:5px}.concierge-card h2{font-size:32px;margin:8px 0}.concierge-card p{font-size:13px;color:#68776b}.concierge-card div{border-top:1px solid #d8dfd4;padding:10px 0;font-size:13px}.concierge-card div b{color:#a9684e;margin-right:10px}.concierge-card .ref-button{width:100%;margin-top:10px}.concierge-card small{display:block;font-size:10px;margin-top:12px;color:#68776b}.concierge-support{background:#fff}.concierge-support h2{max-width:670px}.concierge-features{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:42px}.concierge-features article{border-top:3px solid #b5cbb7;background:#f2f6f0;padding:26px}.concierge-features span{font-size:11px;letter-spacing:.14em;font-weight:700;color:#a9684e}.concierge-features h3{margin:25px 0 10px}.concierge-features p{font-size:13px}.concierge-process{background:#e4ebe3}.ref-about{padding:28px 6%;text-align:center;font-size:13px;background:#f6f5ef}.ref-about a{text-decoration:underline}
/* Toolkit: warm resource hero, structured assets */
.toolkit{background:#f8f7f2}.toolkit-hero{background:#e5a177;overflow:hidden;padding:70px 0 50px;color:#3d352e}.toolkit-hero h1{max-width:600px}.toolkit-hero p{max-width:520px}.toolkit-hero small{display:block;margin-top:12px}.toolkit-hero .ref-button{background:#324940}.toolkit-hero .ref-button:hover{background:#20382f}.toolkit-collage{position:relative;height:430px}.sheet{position:absolute;width:235px;height:315px;padding:24px;background:#f9f8ed;box-shadow:0 20px 30px #75472a55;display:flex;flex-direction:column;gap:14px}.sheet span{font-size:10px;letter-spacing:.15em}.sheet b{font:400 29px/1.06 'Fraunces',serif}.sheet i{font-size:11px;border-bottom:1px solid #becdc0;padding:8px 0;font-style:normal}.sheet-a{left:0;top:70px;transform:rotate(-9deg);background:#e1ece1}.sheet-b{left:155px;top:105px;transform:rotate(8deg);background:#f3f0e6}.sheet-c{left:270px;top:15px;transform:rotate(-3deg);background:#31564e;color:#fff}.sheet-c b{font-size:42px;margin-top:55px}.sheet-c p{font-size:14px}.toolkit-section{background:#f8f7f2}.toolkit-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:17px;margin-top:40px}.toolkit-grid article{background:#fff;border:1px solid #e3e6de;padding:26px;min-height:240px}.toolkit-grid article span{display:grid;place-items:center;width:38px;height:38px;background:#dce9db;border-radius:50%;font-size:12px;font-weight:700}.toolkit-grid h3{font-size:23px;margin:30px 0 10px}.toolkit-grid p{font-size:13px;color:#66756b}.toolkit-process{background:#e8f0e7}.toolkit-questions details{border-bottom:1px solid #b7c8b6;padding:20px 0}.toolkit-questions p{font-size:13px}
@media(max-width:900px){.ref-nav nav{display:none}.harbor-hero{grid-template-columns:1fr}.harbor-copy{padding:70px 6%}.harbor-photo{min-height:400px}.roadmap-hero .ref-wrap,.road-layout,.concierge-layout{grid-template-columns:1fr}.roadmap-path{min-height:0}.concierge-layout{gap:35px}.concierge-card{max-width:460px}.toolkit-collage{height:370px}.ref-split{grid-template-columns:1fr}.ref-book{max-width:440px}.toolkit-grid{grid-template-columns:repeat(2,1fr)}}@media(max-width:600px){.ref-nav{height:65px}.ref-phone{font-size:11px}.ref-section{padding:70px 0}.harbor-grid,.concierge-features,.toolkit-grid{grid-template-columns:1fr}.roadmap-path{grid-template-columns:1fr 1fr}.roadmap-path>div{min-height:145px}.road-packet{grid-template-columns:100px 1fr}.toolkit-collage{transform:scale(.75);transform-origin:left top;height:310px}.concierge-hero{background-position:60% center}.concierge-layout{padding:60px 0}.concierge-copy h1{font-size:48px}}
.harbor-copy h1{font-size:clamp(42px,4.1vw,62px)}.harbor-photo{position:relative}.harbor-photo:after{content:'Illustrative image';position:absolute;bottom:15px;right:18px;background:#ffffffd9;color:#34453d;padding:4px 8px;font-size:10px;border-radius:3px}
.source-ref-logo img{display:block;width:185px;height:auto;border-radius:2px}.ref-page .source-content-link{background:#e5ebe4}@media(max-width:600px){.source-ref-logo img{width:135px}}