:root{--navy:#071c3d;--blue:#0d3f7a;--blue2:#0b5aa8;--gold:#e9b949;--ink:#172033;--muted:#64748b;--light:#f5f8fc;--line:#dbe3ee;--white:#fff}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:#fff;line-height:1.6}
a{text-decoration:none;color:inherit}.wrap{width:min(1180px,92%);margin:auto}.topbar{background:var(--navy);color:#dce8f7;font-size:14px}.topbar .wrap{display:flex;justify-content:space-between;gap:18px;padding:8px 0}.topbar a{color:#fff}
header{background:#fff;position:sticky;top:0;z-index:20;box-shadow:0 2px 18px #0b234318}.nav{display:flex;align-items:center;justify-content:space-between;min-height:78px;gap:22px}.brand{display:flex;align-items:center;gap:12px;font-family:Georgia,serif;font-weight:700;font-size:23px;color:var(--navy);white-space:nowrap}.mark{width:42px;height:42px;border-radius:10px;display:grid;place-items:center;background:linear-gradient(135deg,#0a2c58,#c79c39);color:white;font-family:Georgia,serif;font-size:19px;box-shadow:0 7px 20px #0a2c5825}
.links{display:flex;gap:24px;align-items:center;font-weight:650;font-size:14px}.links a:hover{color:var(--blue2)}.actions{display:flex;gap:9px;align-items:center}.btn{display:inline-flex;align-items:center;justify-content:center;border-radius:8px;padding:12px 18px;font-weight:750;border:1px solid transparent;transition:.2s}.btn-primary{background:var(--gold);color:#142033}.btn-primary:hover{filter:brightness(.96);transform:translateY(-1px)}.btn-outline{border-color:#b7c4d5;background:#fff;color:var(--navy)}.btn-dark{background:var(--navy);color:#fff}.btn-white{border-color:#ffffff88;color:#fff}
.hero{background:radial-gradient(circle at 83% 18%,#1870c866,transparent 33%),linear-gradient(135deg,#071c3d,#0a4383 70%,#0860a8);color:#fff;overflow:hidden}.hero .wrap{padding:86px 0 74px;display:grid;grid-template-columns:1.25fr .75fr;gap:60px;align-items:center}.eyebrow{color:#f1c45e;text-transform:uppercase;letter-spacing:.17em;font-size:13px;font-weight:850}.hero h1{font-family:Georgia,serif;font-size:clamp(43px,5vw,67px);line-height:1.02;margin:12px 0 20px;max-width:790px}.hero p{font-size:19px;max-width:710px;color:#dce9f8}.hero-buttons{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}.trust{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:42px}.trust strong{font-family:Georgia,serif;font-size:25px;display:block}.trust span{font-size:11px;letter-spacing:.12em;text-transform:uppercase;color:#b9cce3}
.hero-card{background:#ffffff0e;border:1px solid #ffffff30;border-radius:18px;padding:28px;backdrop-filter:blur(8px);box-shadow:0 20px 60px #00142c55}.hero-card h3{font-family:Georgia,serif;font-size:27px;margin:0 0 12px}.check{display:flex;gap:11px;margin:13px 0;color:#e8f1fb}.check b{color:var(--gold)}
.section{padding:76px 0}.section.alt{background:var(--light)}.head{max-width:760px;margin-bottom:34px}.head h2{font-family:Georgia,serif;color:var(--navy);font-size:39px;line-height:1.15;margin:7px 0 12px}.head p{color:var(--muted);font-size:17px}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.card{border:1px solid var(--line);border-radius:14px;padding:27px;background:#fff;box-shadow:0 8px 30px #0c2c5210}.card .icon{font-size:27px}.card h3{font-family:Georgia,serif;color:var(--navy);font-size:24px;margin:12px 0 8px}.card p{color:var(--muted);margin:0 0 14px}.card a{font-weight:800;color:var(--blue2)}
.two{display:grid;grid-template-columns:1fr 1fr;gap:50px;align-items:center}.panel{background:var(--navy);color:#fff;border-radius:18px;padding:38px}.panel h2{font-family:Georgia,serif;font-size:35px;margin:0 0 14px}.panel p{color:#d8e5f3}.steps{display:grid;gap:16px}.step{display:flex;gap:16px}.num{flex:0 0 37px;height:37px;border-radius:50%;display:grid;place-items:center;background:#e9b949;color:#172033;font-weight:900}
.cta{background:linear-gradient(120deg,#0a2a55,#0b5aa8);color:#fff;border-radius:18px;padding:38px;display:flex;justify-content:space-between;align-items:center;gap:30px}.cta h2{font-family:Georgia,serif;font-size:34px;margin:0 0 6px}.cta p{margin:0;color:#dce8f7}
.contact-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.contact-box{border:1px solid var(--line);padding:24px;border-radius:13px;background:#fff}.contact-box small{display:block;text-transform:uppercase;letter-spacing:.12em;color:var(--muted);font-weight:800}.contact-box strong{display:block;color:var(--navy);margin-top:5px;font-size:17px}
footer{background:#06172f;color:#b9c9dc;padding:52px 0 24px}.foot{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:35px}.foot h4{color:#fff;margin:0 0 12px}.foot a{display:block;margin:7px 0}.fine{border-top:1px solid #ffffff18;margin-top:35px;padding-top:20px;font-size:12px;color:#879bb5}
.mobile{display:none}.pagehero{background:linear-gradient(135deg,#071c3d,#0b559d);color:#fff;padding:62px 0}.pagehero h1{font-family:Georgia,serif;font-size:48px;margin:8px 0}.pagehero p{max-width:720px;color:#dce9f8;font-size:18px}.bullets{columns:2;gap:30px}.bullets li{margin:8px 0}
@media(max-width:900px){.links,.actions{display:none}.mobile{display:inline-flex}.hero .wrap,.two{grid-template-columns:1fr}.hero-card{display:none}.grid3,.contact-grid{grid-template-columns:1fr}.foot{grid-template-columns:1fr 1fr}.hero .wrap{padding:62px 0}.trust{gap:8px}.trust strong{font-size:20px}.topbar .wrap{display:block;text-align:center}.topbar .wrap span:last-child{display:none}.cta{display:block}.cta .btn{margin-top:18px}.bullets{columns:1}}
@media(max-width:560px){.foot{grid-template-columns:1fr}.brand{font-size:19px}.hero h1{font-size:42px}.hero-buttons .btn{width:100%}.section{padding:58px 0}}

/* V3 */
.hero{background:linear-gradient(120deg,#061b40,#0757aa 62%,#0876cc);position:relative;overflow:hidden}
.hero:after{content:"";position:absolute;width:650px;height:650px;border-radius:50%;right:-250px;top:-280px;background:radial-gradient(circle,rgba(255,255,255,.18),transparent 68%)}
.hero .container{position:relative;z-index:1}
.service-card,.card{transition:transform .2s,box-shadow .2s}.service-card:hover,.card:hover{transform:translateY(-5px);box-shadow:0 18px 38px rgba(8,38,78,.12)}
.v3-specialty{padding:72px 0;background:#f4f7fb}.v3-specialty-grid{display:grid;grid-template-columns:1fr 1fr;gap:32px;align-items:center}
.v3-road{background:linear-gradient(145deg,#071b3d,#0c61b5);color:#fff;border-radius:20px;padding:38px;min-height:330px;box-shadow:0 22px 50px rgba(8,35,74,.2)}
.v3-road .truck{font-size:78px;margin:32px 0 12px}.v3-road h2{color:#fff;font-size:34px}.v3-road p{color:#dbeaff}
.v3-checks{display:grid;grid-template-columns:1fr 1fr;gap:8px 20px;margin:22px 0}.v3-check{padding:10px 0;border-bottom:1px solid #dde5ef}.v3-check:before{content:"✓";font-weight:900;color:#0b5daf;margin-right:8px}
.v3-life{background:#fff;border:1px solid #dfe6ef;border-radius:16px;padding:28px}
.mobile-call{display:none}
@media(max-width:900px){.v3-specialty-grid{grid-template-columns:1fr}}
@media(max-width:700px){.mobile-call{display:flex;position:fixed;z-index:999;bottom:14px;left:14px;right:14px;background:#efbd2e;color:#13213a;padding:14px;border-radius:10px;text-decoration:none;justify-content:center;font-weight:800;box-shadow:0 10px 28px rgba(0,0,0,.22)}}


/* V4 PREMIUM WEBSITE PATCH */
.grid4{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.pro-icon{width:50px;height:50px;border-radius:13px;display:grid;place-items:center;background:linear-gradient(145deg,#071c3d,#0b5aa8);color:#fff;font-size:12px;font-weight:900;letter-spacing:.08em;box-shadow:0 10px 24px rgba(7,28,61,.16)}
.card{position:relative;overflow:hidden}.card:after{content:"";position:absolute;left:0;right:0;bottom:0;height:3px;background:linear-gradient(90deg,#0b5aa8,#e9b949);transform:scaleX(0);transform-origin:left;transition:.25s}.card:hover:after{transform:scaleX(1)}
.v4-feature{padding:78px 0;background:linear-gradient(180deg,#fff,#f5f8fc)}.v4-feature-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:54px;align-items:center}.v4-feature h2{font-family:Georgia,serif;color:#071c3d;font-size:40px;line-height:1.12;margin:8px 0 15px}.v4-feature p{color:#64748b;font-size:17px}.v4-visual{min-height:390px;border-radius:22px;background:radial-gradient(circle at 70% 20%,rgba(255,255,255,.2),transparent 28%),linear-gradient(145deg,#06172f,#0b5aa8);position:relative;overflow:hidden;box-shadow:0 28px 60px rgba(7,28,61,.2);display:flex;align-items:flex-end;padding:34px;color:#fff}.v4-visual:before{content:"";position:absolute;left:-10%;right:-10%;bottom:88px;height:95px;background:#102846;transform:skewY(-5deg);border-top:2px solid rgba(255,255,255,.25)}.v4-roadline{position:absolute;left:5%;right:5%;bottom:120px;border-top:4px dashed rgba(233,185,73,.8);transform:rotate(-5deg)}.v4-truckmark{position:absolute;right:42px;top:42px;width:92px;height:92px;border:1px solid rgba(255,255,255,.35);border-radius:20px;display:grid;place-items:center;font:700 35px Georgia,serif;background:rgba(255,255,255,.08);backdrop-filter:blur(5px)}.v4-visual span{position:relative;z-index:2;font-weight:850;letter-spacing:.14em;font-size:12px}.v4-mini{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin:25px 0}.v4-mini div{border:1px solid #dbe3ee;border-radius:12px;padding:16px;background:#fff}.v4-mini strong{display:block;color:#071c3d;margin-bottom:4px}.v4-mini span{display:block;color:#64748b;font-size:12px;line-height:1.4}
.links{gap:18px}.links a{position:relative}.links a:after{content:"";position:absolute;left:0;right:100%;bottom:-7px;height:2px;background:#e9b949;transition:.2s}.links a:hover:after{right:0}
@media(max-width:1100px){.grid4{grid-template-columns:repeat(2,1fr)}.links{gap:12px;font-size:13px}.brand{font-size:20px}.actions .btn{padding:10px 12px;font-size:12px}}
@media(max-width:900px){.v4-feature-grid{grid-template-columns:1fr}.v4-visual{min-height:300px}}
@media(max-width:560px){.grid4,.v4-mini{grid-template-columns:1fr}.v4-feature{padding:58px 0}.v4-feature h2{font-size:34px}}

/* Core Wealth V4.1 specialty section - robust replacement */
.cw41-specialty{padding:78px 0;background:linear-gradient(180deg,#fff 0%,#f4f7fb 100%)}
.cw41-specialty-grid{display:grid;grid-template-columns:minmax(0,.92fr) minmax(0,1.08fr);gap:54px;align-items:center}
.cw41-visual{min-height:390px;border-radius:24px;position:relative;overflow:hidden;padding:34px;background:linear-gradient(145deg,#06172f 0%,#0b3975 48%,#0b5aa8 100%);box-shadow:0 26px 60px rgba(7,28,61,.20);color:#fff;display:flex;align-items:flex-end}
.cw41-visual:after{content:"";position:absolute;width:280px;height:280px;border-radius:50%;right:-90px;top:-90px;background:rgba(255,255,255,.08)}
.cw41-badge{position:absolute;right:34px;top:34px;width:82px;height:82px;border:1px solid rgba(255,255,255,.32);border-radius:18px;display:flex;align-items:center;justify-content:center;font:700 30px Georgia,serif;background:rgba(255,255,255,.08)}
.cw41-road{position:absolute;left:-5%;right:-5%;bottom:100px;height:78px;background:#102846;transform:rotate(-5deg);border-top:1px solid rgba(255,255,255,.25);border-bottom:1px solid rgba(255,255,255,.12)}
.cw41-road i{display:block;position:absolute;left:7%;right:7%;top:37px;border-top:4px dashed #e9b949}
.cw41-visual-copy{position:relative;z-index:2;display:flex;flex-direction:column;gap:8px}
.cw41-visual-copy small{font-weight:800;letter-spacing:.14em;color:#e9b949}
.cw41-visual-copy strong{font:700 32px/1.08 Georgia,serif}
.cw41-visual-copy span{font-size:13px;font-weight:700;letter-spacing:.05em;color:#dbeafe}
.cw41-copy h2{font:700 40px/1.12 Georgia,serif;color:#071c3d;margin:8px 0 15px}
.cw41-copy>p{color:#64748b;font-size:17px;line-height:1.7;margin:0 0 24px}
.cw41-service-list{display:grid;gap:10px;margin:0 0 24px}
.cw41-service{display:grid;grid-template-columns:42px minmax(0,1fr);gap:12px;align-items:center;border:1px solid #dbe3ee;border-radius:14px;padding:13px 15px;background:#fff}
.cw41-service>b{width:36px;height:36px;border-radius:50%;background:#eef5fc;color:#0b5aa8;display:flex;align-items:center;justify-content:center;font-size:11px}
.cw41-service p{margin:0!important;display:flex;flex-direction:column;gap:3px;min-width:0}
.cw41-service strong{display:block;color:#071c3d;font-size:15px;line-height:1.25}
.cw41-service span{display:block;color:#64748b;font-size:13px;line-height:1.35}
@media(max-width:900px){.cw41-specialty-grid{grid-template-columns:1fr;gap:34px}.cw41-visual{min-height:320px}}
@media(max-width:560px){.cw41-specialty{padding:56px 0}.cw41-copy h2{font-size:34px}.cw41-visual{min-height:290px;padding:25px}.cw41-visual-copy strong{font-size:27px}.cw41-badge{width:64px;height:64px;right:24px;top:24px;font-size:24px}}

/* Core Wealth V4.2 - cache-busted responsive polish */
.v42-specialty{padding:76px 0;background:linear-gradient(180deg,#f7f9fc 0%,#fff 100%);border-top:1px solid #edf1f6;border-bottom:1px solid #edf1f6}
.v42-specialty-head{max-width:820px;margin-bottom:30px}.v42-specialty-head h2{font:700 40px/1.12 Georgia,serif;color:#071c3d;margin:8px 0 13px}.v42-specialty-head p{color:#64748b;font-size:17px;line-height:1.7;margin:0}
.v42-specialty-cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}
.v42-specialty-card{min-width:0;display:grid;grid-template-columns:46px minmax(0,1fr) 26px;gap:14px;align-items:center;border:1px solid #dbe3ee;border-radius:16px;padding:22px;background:#fff;box-shadow:0 8px 28px rgba(7,28,61,.06);transition:transform .2s,box-shadow .2s,border-color .2s}
.v42-specialty-card:hover{transform:translateY(-4px);box-shadow:0 16px 36px rgba(7,28,61,.11);border-color:#b9cee5}.v42-num{width:42px;height:42px;border-radius:50%;display:flex;align-items:center;justify-content:center;background:#edf5fd;color:#0b5aa8;font-weight:900;font-size:12px}.v42-specialty-card h3{font:700 21px/1.2 Georgia,serif;color:#071c3d;margin:0 0 5px}.v42-specialty-card p{color:#64748b;font-size:14px;line-height:1.45;margin:0}.v42-arrow{font-size:24px;color:#e0a91d;font-weight:800}.v42-specialty-actions{display:flex;align-items:center;gap:22px;margin-top:26px}.v42-text-link{font-weight:800;color:#0b5aa8}
/* Keep desktop header on one line at common laptop widths */
@media(min-width:901px){.nav{gap:12px}.brand{font-size:20px;gap:9px}.mark{width:38px;height:38px}.links{gap:12px;font-size:13px;white-space:nowrap}.actions{gap:8px}.actions .btn{padding:10px 12px;font-size:12px;white-space:nowrap}}
@media(max-width:1080px) and (min-width:901px){.brand span:last-child{font-size:18px}.links{gap:9px;font-size:12px}.actions .btn{padding:9px 10px;font-size:11px}}
@media(max-width:900px){.v42-specialty-cards{grid-template-columns:1fr}.v42-specialty-head h2{font-size:35px}}
@media(max-width:560px){.v42-specialty{padding:56px 0}.v42-specialty-card{grid-template-columns:42px minmax(0,1fr) 22px;padding:18px}.v42-specialty-actions{align-items:flex-start;flex-direction:column;gap:12px}}

/* Core Wealth V4.3 visual upgrade */
.hero>.wrap{grid-template-columns:minmax(0,1.25fr) minmax(230px,.7fr) minmax(300px,.8fr);align-items:center;gap:28px}
.v43-hero-visual{align-self:stretch;display:flex;align-items:center;justify-content:center;min-height:390px}
.v43-hero-visual img{width:100%;max-width:420px;height:auto;filter:drop-shadow(0 24px 30px rgba(0,35,78,.24))}
.v43-coverage-card{position:relative;overflow:hidden;padding-top:0!important}
.v43-card-img{display:block;width:calc(100% + 48px);height:145px;object-fit:cover;margin:0 -24px 22px;border-bottom:1px solid #e2e8f0;background:#eaf3fb}
.v43-coverage-card .pro-icon{position:absolute;top:112px;left:22px;box-shadow:0 8px 20px rgba(9,54,103,.18);border:3px solid #fff}
.v43-coverage-card h3{margin-top:4px}
.v43-coverage-card:hover .v43-card-img{transform:scale(1.025)}
.v43-card-img{transition:transform .35s ease}
@media(max-width:1180px){.hero>.wrap{grid-template-columns:minmax(0,1.2fr) minmax(280px,.8fr)}.v43-hero-visual{display:none}}
@media(max-width:760px){.v43-card-img{height:125px}.v43-coverage-card .pro-icon{top:94px}}

/* =========================================================
   CORE WEALTH PUBLIC WEBSITE V4.4 — PREMIUM PHOTO UPGRADE
   Keeps AMS links/workflows untouched; presentation only.
   ========================================================= */
.v44-hero-photo{min-height:420px;border-radius:22px;position:relative;overflow:hidden;background:
 linear-gradient(180deg,rgba(4,24,52,.05),rgba(4,24,52,.62)),
 url('https://images.pexels.com/photos/2199293/pexels-photo-2199293.jpeg?auto=compress&cs=tinysrgb&w=1200') center/cover no-repeat;
 box-shadow:0 26px 65px rgba(0,18,45,.35);border:1px solid rgba(255,255,255,.24)}
.v44-hero-photo:after{content:"";position:absolute;inset:0;background:linear-gradient(115deg,rgba(5,46,91,.12),transparent 55%)}
.v44-photo-badge{position:absolute;z-index:2;left:20px;right:20px;bottom:20px;padding:17px 18px;border-radius:14px;background:rgba(4,27,58,.78);border:1px solid rgba(255,255,255,.22);backdrop-filter:blur(9px)}
.v44-photo-badge strong{display:block;font:700 18px/1.2 Georgia,serif;color:#fff}.v44-photo-badge span{display:block;margin-top:5px;color:#dbeafe;font-size:12px;letter-spacing:.06em;text-transform:uppercase}

.v44-card-photo{height:150px;margin:0 -1px 18px;background-position:center;background-size:cover;background-repeat:no-repeat;transition:transform .3s ease;position:relative}
.v44-card-photo:after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,transparent 48%,rgba(4,29,61,.20))}
.v44-trucking{background-image:url('https://images.pexels.com/photos/2199293/pexels-photo-2199293.jpeg?auto=compress&cs=tinysrgb&w=900')}
.v44-commercial{background-image:url('https://images.pexels.com/photos/3184465/pexels-photo-3184465.jpeg?auto=compress&cs=tinysrgb&w=900')}
.v44-personal{background-image:url('https://images.pexels.com/photos/33350028/pexels-photo-33350028.jpeg?auto=compress&cs=tinysrgb&w=900')}
.v44-life{background-image:url('https://images.pexels.com/photos/4609015/pexels-photo-4609015.jpeg?auto=compress&cs=tinysrgb&w=900')}
.v43-coverage-card:hover .v44-card-photo{transform:scale(1.018)}
.v43-coverage-card .pro-icon{top:124px}

.v44-specialty-intro{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(330px,.95fr);gap:38px;align-items:stretch;margin-bottom:30px}
.v44-specialty-intro .v42-specialty-head{margin-bottom:0;align-self:center}
.v44-specialty-photo{min-height:250px;border-radius:20px;overflow:hidden;position:relative;background:
 linear-gradient(180deg,rgba(4,26,55,.02),rgba(4,26,55,.65)),
 url('https://images.pexels.com/photos/3184465/pexels-photo-3184465.jpeg?auto=compress&cs=tinysrgb&w=1100') center/cover no-repeat;
 box-shadow:0 16px 42px rgba(7,28,61,.14)}
.v44-specialty-photo>div{position:absolute;left:22px;right:22px;bottom:20px;color:#fff}.v44-specialty-photo strong{font:700 24px/1.15 Georgia,serif;display:block}.v44-specialty-photo span{font-size:13px;color:#e5eef8;display:block;margin-top:5px}

@media(max-width:1180px){.hero>.wrap{grid-template-columns:minmax(0,1.1fr) minmax(300px,.9fr)}.v44-hero-photo{display:none}}
@media(max-width:900px){.v44-specialty-intro{grid-template-columns:1fr}.v44-specialty-photo{min-height:230px}.v43-coverage-card .pro-icon{top:124px}}
@media(max-width:760px){.v44-card-photo{height:135px}.v43-coverage-card .pro-icon{top:109px}}

/* =========================================================
   CORE WEALTH V4.5 — COVERAGE PAGES + RESPONSIVE POLISH
   ========================================================= */
html,body{max-width:100%;overflow-x:hidden}.section>.wrap,.v42-specialty>.wrap{width:min(1180px,calc(100% - 40px));margin-left:auto;margin-right:auto}
.ins-page-hero{padding:72px 0;background:linear-gradient(135deg,#062f62 0%,#0b63b7 58%,#137bd0 100%);color:#fff}.ins-page-hero .wrap{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(360px,.95fr);gap:46px;align-items:center}.ins-page-hero h1{font:700 54px/1.04 Georgia,serif;margin:10px 0 18px;max-width:760px}.ins-page-hero p{font-size:18px;line-height:1.7;color:#e6f0fb;max-width:700px}.ins-page-photo{min-height:390px;border-radius:22px;background-position:center;background-size:cover;box-shadow:0 24px 60px rgba(0,18,45,.35);position:relative;overflow:hidden}.ins-page-photo:after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,transparent 55%,rgba(3,24,52,.5))}.photo-trucking{background-image:url('https://images.pexels.com/photos/2199293/pexels-photo-2199293.jpeg?auto=compress&cs=tinysrgb&w=1200')}.photo-commercial{background-image:url('https://images.pexels.com/photos/3184465/pexels-photo-3184465.jpeg?auto=compress&cs=tinysrgb&w=1200')}.photo-personal{background-image:url('https://images.pexels.com/photos/33350028/pexels-photo-33350028.jpeg?auto=compress&cs=tinysrgb&w=1200')}.photo-life{background-image:url('https://images.pexels.com/photos/4609015/pexels-photo-4609015.jpeg?auto=compress&cs=tinysrgb&w=1200')}.coverage-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px;margin-top:28px}.coverage-item{border:1px solid #dbe3ee;border-radius:16px;padding:24px;background:#fff;box-shadow:0 8px 28px rgba(7,28,61,.05)}.coverage-item h3{font:700 21px/1.2 Georgia,serif;color:#071c3d;margin:0 0 8px}.coverage-item p{color:#64748b;line-height:1.6;margin:0}.who-grid{display:grid;grid-template-columns:1fr 1fr;gap:34px;align-items:start}.checklist{display:grid;gap:12px;margin-top:20px}.checkline{display:flex;gap:12px;align-items:flex-start}.checkline b{width:26px;height:26px;flex:0 0 26px;border-radius:50%;display:flex;align-items:center;justify-content:center;background:#fff1c2;color:#8a6500}.quote-band{padding:34px;border-radius:20px;background:#071c3d;color:#fff;display:flex;justify-content:space-between;align-items:center;gap:28px}.quote-band h2{font:700 32px/1.15 Georgia,serif;margin:0 0 7px}.quote-band p{margin:0;color:#cbd5e1}.mini-note{font-size:13px;color:#64748b;line-height:1.55;margin-top:16px}
@media(max-width:900px){.ins-page-hero .wrap{grid-template-columns:1fr}.ins-page-photo{min-height:300px}.ins-page-hero h1{font-size:44px}.coverage-grid{grid-template-columns:1fr 1fr}.who-grid{grid-template-columns:1fr}.quote-band{align-items:flex-start;flex-direction:column}}
@media(max-width:600px){.section>.wrap,.v42-specialty>.wrap{width:min(100% - 28px,1180px)}.ins-page-hero{padding:54px 0}.ins-page-hero h1{font-size:38px}.ins-page-photo{min-height:240px}.coverage-grid{grid-template-columns:1fr}.quote-band{padding:26px}.quote-band h2{font-size:27px}}

/* =========================================================
   CORE WEALTH V4.6 — DEEP COVERAGE + QUOTE PREP SECTIONS
   ========================================================= */
.detail-band{padding:70px 0;background:#f7f9fc;border-top:1px solid #e8edf4;border-bottom:1px solid #e8edf4}.detail-band .head{max-width:820px}.detail-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:16px;margin-top:28px}.detail-card{background:#fff;border:1px solid #dbe3ee;border-radius:16px;padding:22px;box-shadow:0 7px 24px rgba(7,28,61,.045)}.detail-card h3{font:700 19px/1.25 Georgia,serif;color:#071c3d;margin:0 0 8px}.detail-card p{margin:0;color:#64748b;font-size:14px;line-height:1.58}.prep-section{padding:72px 0}.prep-grid{display:grid;grid-template-columns:minmax(0,.9fr) minmax(0,1.1fr);gap:42px;align-items:start}.prep-list{display:grid;grid-template-columns:1fr 1fr;gap:12px}.prep-item{display:flex;gap:11px;align-items:flex-start;padding:15px;border:1px solid #dbe3ee;border-radius:13px;background:#fff}.prep-item b{width:25px;height:25px;flex:0 0 25px;border-radius:50%;display:flex;align-items:center;justify-content:center;background:#fff1c2;color:#8a6500;font-size:12px}.prep-item span{color:#334155;font-size:14px;line-height:1.45}.info-note{margin-top:18px;padding:15px 17px;border-left:4px solid #e0a91d;background:#fffaf0;border-radius:0 10px 10px 0;color:#64748b;font-size:13px;line-height:1.55}@media(max-width:950px){.detail-grid{grid-template-columns:1fr 1fr}.prep-grid{grid-template-columns:1fr}}@media(max-width:600px){.detail-band,.prep-section{padding:54px 0}.detail-grid,.prep-list{grid-template-columns:1fr}}