/* WealthExpert-thm 1.1.0
   Lightweight public-ready front-end CSS. No Bootstrap dependency. */

:root {
  --we-navy:#0e3566;
  --we-navy-dark:#09294f;
  --we-gold:#d4af37;
  --we-gold-dark:#b8860b;
  --we-gold-warm:#d07a12;
  --we-cream:#f8f4ea;
  --we-cream-light:#fcfaf5;
  --we-text:#405a7a;
  --we-dark:#1f2933;
  --we-border:#e7dfca;
  --we-white:#fff;
  --we-shadow:0 8px 28px rgba(14,53,102,.09);
  --we-radius:8px;
  --we-container:1200px;
}

*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;background:var(--we-cream-light);color:var(--we-dark);font-family:ui-sans-serif,-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,Helvetica,sans-serif;font-size:16px;line-height:1.6;text-rendering:optimizeLegibility}
img{max-width:100%;height:auto}
button,input,textarea,select{font:inherit}
button{cursor:pointer}
main{min-height:55vh}

h1,h2,h3,h4,h5,h6{color:var(--we-navy);font-family:Georgia,Cambria,"Times New Roman",serif;line-height:1.15;margin-top:0;text-wrap:balance}
h1{font-size:clamp(2rem,4vw,3.6rem)}
h2{font-size:clamp(1.65rem,2.7vw,2.45rem)}
h3{font-size:clamp(1.15rem,1.8vw,1.45rem)}
p{margin-top:0}

/* All hover/focus links and buttons underline as requested. */
a{color:var(--we-gold-dark);text-decoration:none;text-underline-offset:.2em}
a:hover,a:focus-visible,.btn:hover,.btn:focus-visible,button:hover,button:focus-visible,.nav-link:hover,.nav-link:focus-visible,.dropdown-item:hover,.dropdown-item:focus-visible,.wehb-btn:hover,.wehb-btn:focus-visible{text-decoration:underline;text-decoration-thickness:2px;text-underline-offset:4px}
a:hover{color:var(--we-navy)}
:focus-visible{outline:3px solid rgba(208,122,18,.38);outline-offset:3px}

.container{width:min(100% - 32px,var(--we-container));margin-inline:auto}
.container-fluid{width:100%;margin-inline:auto}
.we-narrow{max-width:980px;margin-inline:auto}
.we-article-width{max-width:960px}
.text-center{text-align:center!important}
.text-muted{color:#66798d!important}
.text-warning{color:var(--we-gold-warm)!important}
.text-black-50{color:rgba(0,0,0,.5)!important}
.h-100{height:100%!important}
.d-flex{display:flex!important}
.align-items-start{align-items:flex-start!important}
.align-items-center{align-items:center!important}
.align-items-stretch{align-items:stretch!important}
.justify-content-start{justify-content:flex-start!important}
.ms-4{margin-left:1.5rem!important}
.border-top{border-top:1px solid var(--we-border)!important}
.lead{font-size:1.08rem;line-height:1.65;color:var(--we-text)}
.fs-5{font-size:1.2rem!important}

/* Tiny Bootstrap-compatible grid used only for plugin-generated Homepage Builder markup. */
.row{--we-gutter-x:1.5rem;--we-gutter-y:0;display:flex;flex-wrap:wrap;margin-top:calc(-1 * var(--we-gutter-y));margin-right:calc(-.5 * var(--we-gutter-x));margin-left:calc(-.5 * var(--we-gutter-x))}
.row>*{width:100%;max-width:100%;padding-right:calc(.5 * var(--we-gutter-x));padding-left:calc(.5 * var(--we-gutter-x));margin-top:var(--we-gutter-y)}
.g-4{--we-gutter-x:1.5rem;--we-gutter-y:1.5rem}
.g-5{--we-gutter-x:3rem;--we-gutter-y:3rem}
.col-12{flex:0 0 auto;width:100%}
.col-6{flex:0 0 auto;width:50%}

/* Site header */
.we-site-header{position:sticky;top:0;z-index:1000;background:rgba(252,250,245,.97);border-bottom:1px solid rgba(212,175,55,.72);backdrop-filter:saturate(140%) blur(8px)}
.we-site-nav{min-height:82px;display:flex;align-items:center;gap:34px}
.we-brand{display:inline-flex;align-items:center;flex:0 0 auto}
.we-brand img{display:block;width:min(258px,48vw);height:auto}
.we-nav-panel{margin-left:auto}
.we-nav-list{list-style:none;display:flex;align-items:center;gap:3px;margin:0;padding:0}
.we-nav-list .nav-item{position:relative;margin:0}
.we-nav-list .nav-link{display:flex;align-items:center;gap:6px;padding:28px 14px;color:var(--we-navy);font-family:ui-sans-serif,-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif;font-weight:750;line-height:1.15;white-space:nowrap}
.we-nav-list .nav-link:hover,.we-nav-list .nav-link:focus-visible{color:var(--we-gold-warm)}
.we-label-only{cursor:default}
.dropdown-toggle::after{content:"";width:6px;height:6px;border-right:2px solid currentColor;border-bottom:2px solid currentColor;transform:rotate(45deg) translateY(-2px);margin-left:2px}
.dropdown-menu{display:none;position:absolute;left:0;top:calc(100% - 10px);z-index:1010;min-width:265px;margin:0;padding:9px;background:#fff;border:1px solid var(--we-border);border-radius:8px;box-shadow:var(--we-shadow);list-style:none}
.dropdown:hover>.dropdown-menu,.dropdown.is-open>.dropdown-menu{display:block}
.dropdown-menu li{margin:0}
.dropdown-item,.dropdown-header{display:block;width:100%;padding:10px 12px;border-radius:5px;color:var(--we-navy);font-family:ui-sans-serif,-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif;line-height:1.35}
.dropdown-item:hover,.dropdown-item:focus-visible{background:var(--we-cream);color:var(--we-gold-warm)}
.dropdown-header{font-weight:800;color:var(--we-gold-dark)}
.we-nav-toggle{display:none;width:44px;height:42px;border:1px solid #d9d2c1;border-radius:7px;background:#fff;padding:9px;align-items:center;justify-content:center;flex-direction:column;gap:5px;margin-left:auto}
.we-nav-toggle span{display:block;width:22px;height:2px;background:var(--we-navy);border-radius:2px}

.we-brand-text{display:inline-block;color:var(--we-navy);font-family:Georgia,Cambria,"Times New Roman",serif;font-size:clamp(1.25rem,2vw,1.8rem);font-weight:800;line-height:1.1}
.we-footer-title{display:inline-block;color:var(--we-navy-dark);font-family:Georgia,Cambria,"Times New Roman",serif;font-size:1.5rem;font-weight:800}
.we-empty-state{grid-column:1/-1;text-align:center;color:var(--we-text);padding:40px 0}

/* Buttons */
.btn,.wehb-btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border:1px solid transparent;border-radius:8px;padding:12px 21px;line-height:1.15;font-family:ui-sans-serif,-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif;font-weight:800;transition:background-color .15s ease,color .15s ease,border-color .15s ease}
.btn-primary-custom{background:var(--we-navy);border-color:var(--we-navy);color:#fff!important;box-shadow:0 6px 16px rgba(9,41,79,.11)}
.btn-primary-custom:hover,.btn-primary-custom:focus-visible{background:var(--we-navy-dark);border-color:var(--we-navy-dark);color:#fff!important}
.btn-outline-dark{color:var(--we-navy)!important;border-color:var(--we-navy);background:transparent}
.btn-outline-dark:hover{background:var(--we-navy);color:#fff!important}
.btn-outline-secondary{color:#566b80!important;border-color:#8796a6;background:transparent}
.btn-outline-secondary:hover{background:#eef1f4;color:var(--we-navy)!important}
.btn-sm{padding:7px 12px;font-size:.88rem}
.btn-group{display:inline-flex;gap:8px;flex-wrap:wrap}

/* Fallback homepage shown only when builder is off. */
.we-fallback-hero{background:linear-gradient(90deg,#fbf7ec 0%,#f8f1df 55%,#f3e4be 100%)}
.we-fallback-hero-grid{display:grid;grid-template-columns:minmax(0,1.08fr) minmax(360px,.92fr);align-items:stretch}
.we-fallback-hero-copy{padding:58px 48px 58px 0;display:flex;flex-direction:column;justify-content:center}
.we-eyebrow,.we-section-label{color:var(--we-gold-warm);font-size:.82rem;letter-spacing:.18em;text-transform:uppercase;font-weight:850;margin-bottom:10px}
.we-fallback-hero-copy h1{margin-bottom:18px}
.we-fallback-hero-copy h1 span{color:var(--we-gold-warm)}
.we-fallback-hero-copy p{max-width:680px;color:var(--we-text);font-size:1.06rem}
.we-fallback-hero-media{overflow:hidden;min-height:430px}
.we-fallback-hero-media img{width:100%;height:100%;min-height:430px;object-fit:cover;display:block}
.we-fallback-features{background:var(--we-cream);padding:30px 0}
.we-feature-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:0}
.we-feature-card{display:grid;grid-template-columns:82px 1fr;gap:20px;padding:10px 28px;border-right:1px solid rgba(14,53,102,.12)}
.we-feature-card:last-child{border-right:0}
.we-feature-card img{width:72px;height:72px;object-fit:contain}
.we-feature-card h2{font-family:ui-sans-serif,-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif;font-size:1.05rem;margin:3px 0 7px}
.we-feature-card p{margin:0;color:var(--we-text);font-size:.95rem;line-height:1.45}
.we-value-section{padding:58px 0 38px}
.we-value-section p,.we-section-head p{color:var(--we-text);max-width:850px;margin-inline:auto}
.we-section-title{font-size:clamp(1.8rem,2.7vw,2.5rem);margin:10px 0 14px}
.we-static-sales-copy{padding:15px 0 50px}

/* Homepage Builder compatibility and performance-friendly overrides. */
.wehb-hero,.wehb-section{color:var(--we-dark)}
.wehb-hero img,.wehb-side-image,.wehb-flex-card img,.wehb-avatar{max-width:100%;height:auto}
.wehb-section h2,.wehb-hero-title{font-family:Georgia,Cambria,"Times New Roman",serif!important;text-wrap:balance}
.wehb-btn,.wehb-solution-card a,.wehb-text-link,.wehb-flex-card a{font-family:ui-sans-serif,-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif}
.wehb-btn:hover,.wehb-solution-card a:hover,.wehb-text-link:hover,.wehb-flex-card a:hover{text-decoration:underline!important;text-underline-offset:4px!important}
.wehb-side-image{aspect-ratio:4/3;object-fit:cover}
.wehb-flex-card.photo-style img{aspect-ratio:4/3;object-fit:cover}
.wehb-solution-icon img,.wehb-highlight-icon img,.wehb-flex-card.icon-style img{height:auto}
.wehb-form-wrap iframe{max-width:100%}

/* Guides/cards */
.we-guides-section,.we-listing-shell{padding:56px 0 64px;background:#fff}
.we-section-head,.we-listing-header{margin-bottom:30px}
.we-listing-header{max-width:850px;margin-inline:auto;margin-bottom:34px}
.we-listing-header h1{margin-bottom:14px}
.we-listing-header p{color:var(--we-text)}
.we-guide-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:22px}
.we-guide-card{display:flex;flex-direction:column;min-width:0;background:#fff;border:1px solid #e5e7e9;border-top:3px solid var(--we-gold);border-radius:7px;overflow:hidden;box-shadow:0 2px 8px rgba(14,53,102,.035)}
.we-guide-image-link{display:block;overflow:hidden;background:var(--we-cream);aspect-ratio:16/9}
.we-guide-image-link img{width:100%;height:100%;object-fit:cover;display:block;transition:transform .18s ease}
.we-guide-image-link:hover img{transform:scale(1.015)}
.we-guide-card-body{padding:18px 18px 12px;flex:1}
.we-guide-card h2,.we-guide-card h3{font-size:1.08rem;font-family:ui-sans-serif,-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif;line-height:1.35;margin-bottom:10px}
.we-guide-card h2 a,.we-guide-card h3 a{color:var(--we-navy)}
.we-guide-card p{color:var(--we-text);font-size:.94rem;line-height:1.5;margin-bottom:0}
.we-guide-meta{padding:12px 18px 15px;border-top:1px solid #edf0f2;color:#6d7e8e;font-size:.78rem}
.we-section-action{padding-top:28px}

/* Articles */
.we-article-shell,.we-simple-page{padding:52px 0 64px;background:#fff}
.we-article-header{margin-bottom:25px}
.we-article-header h1{font-size:clamp(2.1rem,4vw,3.2rem);margin-bottom:12px}
.we-article-meta{font-size:.86rem;color:#6e8092}
.we-article-cover{margin:0 0 28px}
.we-article-cover img,.we-simple-cover{display:block;width:100%;max-height:560px;object-fit:cover;border-radius:8px}
.we-article-cover figcaption{text-align:center;color:#718293;font-size:.82rem;margin-top:8px}
.we-article-top-cta{padding:4px 0 30px}
.article-content{font-size:1.03rem;color:#293846;line-height:1.75;overflow-wrap:anywhere}
.article-content h2,.article-content h3,.article-content h4{margin-top:1.65em;margin-bottom:.65em}
.article-content img{display:block;max-width:100%!important;height:auto!important;margin:24px auto;border-radius:7px}
.article-content iframe{max-width:100%;border:0}
.article-content a{text-decoration:underline;text-decoration-thickness:1px;text-underline-offset:3px}
.article-content ul,.article-content ol{padding-left:1.4em}
.we-tags{display:flex;gap:8px;flex-wrap:wrap;margin:30px 0}
.we-article-cta{border-top:1px solid var(--we-border);border-bottom:1px solid var(--we-border);padding:30px 0;margin:30px 0}
.we-article-cta p{color:var(--we-text);margin:12px auto 0;max-width:720px}
.we-info-card{background:#fff;border:1px solid #e2e5e8;border-radius:8px;padding:26px;margin:22px 0}
.we-card-accent{border-top:3px solid var(--we-gold)!important}
.we-info-card h1,.we-info-card h2{font-size:1.55rem}
.we-checks{list-style:none;padding:0;margin:16px 0 22px}
.we-checks li{position:relative;padding-left:28px;margin:8px 0;color:var(--we-text)}
.we-checks li::before{content:"✓";position:absolute;left:0;color:var(--we-gold-warm);font-weight:900}
.we-resource-list{list-style:none;padding:0;margin:0}
.we-resource-list li{border-top:1px solid #edf0f2;padding:11px 0}
.we-resource-list li:first-child{border-top:0}
.we-error-code{font-family:Georgia,Cambria,"Times New Roman",serif;font-size:clamp(4rem,12vw,8rem);line-height:1;color:var(--we-gold);font-weight:800;margin-bottom:12px}

/* Generic card/list Bootstrap compatibility for third-party content. */
.card{background:#fff;border:1px solid #e2e5e8;border-radius:7px;overflow:hidden}
.card-body{padding:20px}
.card-img-top{display:block;width:100%;height:auto}
.card-title{margin-bottom:10px}
.card-text{color:var(--we-text)}
.list-group{list-style:none;margin:0;padding:0}
.list-group-item{padding:12px 18px;border-top:1px solid #edf0f2;background:#fff}

/* Footer: preserve WealthExperts gold/yellow look. */
.wehb-footer{background:var(--we-gold)!important;color:var(--we-navy)!important;padding:42px 0 34px;border-top:1px solid var(--we-gold-dark)}
.wehb-footer-brand{display:inline-block;margin-bottom:14px}
.wehb-footer-brand img{display:block;max-width:270px;max-height:78px;width:auto;height:auto;object-fit:contain}
.wehb-footer-text{max-width:360px;margin:0;color:var(--we-navy-dark)!important;line-height:1.65}
.wehb-footer h5{margin:4px 0 14px;color:var(--we-navy-dark)!important;font-family:ui-sans-serif,-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif;font-size:1rem;font-weight:850}
.wehb-footer-links{list-style:none;margin:0;padding:0}
.wehb-footer-links li{margin:0 0 9px}
.wehb-footer-links a{color:var(--we-navy-dark)!important;font-weight:650}
.wehb-footer-links a:hover,.wehb-footer-links a:focus-visible{color:#fff!important;text-decoration:underline!important}

.we-skip-link{position:fixed;left:12px;top:10px;z-index:5000;background:var(--we-navy);color:#fff;padding:9px 14px;border-radius:5px;transform:translateY(-160%)}
.we-skip-link:focus{transform:none;color:#fff}

@media (min-width:576px){
  .col-sm-6{flex:0 0 auto;width:50%}
}
@media (min-width:768px){
  .col-md-6{flex:0 0 auto;width:50%}
}
@media (min-width:992px){
  .col-lg{flex:1 0 0;width:auto}
  .col-lg-3{flex:0 0 auto;width:25%}
  .col-lg-4{flex:0 0 auto;width:33.333333%}
  .col-lg-5{flex:0 0 auto;width:41.666667%}
  .col-lg-6{flex:0 0 auto;width:50%}
  .col-lg-7{flex:0 0 auto;width:58.333333%}
  .col-lg-8{flex:0 0 auto;width:66.666667%}
  .col-lg-10{flex:0 0 auto;width:83.333333%}
  .offset-lg-1{margin-left:8.333333%}
  .pe-lg-5{padding-right:3rem!important}
  .px-lg-0{padding-left:0!important;padding-right:0!important}
  .mb-lg-0{margin-bottom:0!important}
  .ms-lg-4{margin-left:1.5rem!important}
}

@media (max-width:1100px){
  .we-guide-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
}

@media (max-width:900px){
  .we-site-nav{min-height:72px;flex-wrap:wrap;gap:0}
  .we-brand img{width:min(235px,62vw)}
  .we-nav-toggle{display:flex}
  .we-nav-panel{display:none;width:100%;margin:0;padding:8px 0 16px}
  .we-nav-panel.is-open{display:block}
  .we-nav-list{align-items:stretch;flex-direction:column;gap:0}
  .we-nav-list .nav-link{padding:11px 4px;white-space:normal}
  .dropdown-menu{position:static;min-width:0;margin:0 0 5px 12px;padding:3px 0 3px 12px;border:0;border-left:2px solid var(--we-gold);border-radius:0;box-shadow:none;background:transparent}
  .dropdown:hover>.dropdown-menu{display:none}
  .dropdown.is-open>.dropdown-menu{display:block}
  .dropdown-item,.dropdown-header{padding:9px 8px}
  .we-fallback-hero-grid{grid-template-columns:1fr}
  .we-fallback-hero-copy{padding:42px 0}
  .we-fallback-hero-media{min-height:320px}
  .we-fallback-hero-media img{min-height:320px}
  .we-feature-grid{grid-template-columns:1fr;gap:16px}
  .we-feature-card{border-right:0;border-bottom:1px solid rgba(14,53,102,.12);padding:15px 0}
  .we-feature-card:last-child{border-bottom:0}
  .wehb-footer{padding:34px 0 28px!important}
}

@media (max-width:620px){
  .container{width:min(100% - 24px,var(--we-container))}
  .we-guide-grid{grid-template-columns:1fr}
  .we-guides-section,.we-listing-shell{padding:42px 0 50px}
  .we-article-shell,.we-simple-page{padding:36px 0 48px}
  .we-info-card{padding:20px}
  .we-feature-card{grid-template-columns:64px 1fr;gap:16px}
  .we-feature-card img{width:58px;height:58px}
  .wehb-footer-brand img{max-width:225px!important}
}

@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *,*::before,*::after{scroll-behavior:auto!important;transition:none!important;animation:none!important}
}

/* Lightweight fallbacks for Homepage Builder icon placeholders when no image was uploaded. */
.fas{font-style:normal;font-family:ui-sans-serif,-apple-system,BlinkMacSystemFont,"Segoe UI Symbol","Segoe UI",sans-serif;font-weight:800;line-height:1}
.fas.fa-home::before{content:"⌂"}
.fas.fa-chart-line::before{content:"↗"}
.fas.fa-users::before{content:"●●●";font-size:.55em;letter-spacing:-.05em}