:root{--char:#2B2D2F;--char2:#1F2123;--gold:#C9A227;--gold2:#E0BE4F;--off:#F7F5F0;--ink:#2B2D2F;--mut:#5E6266;--line:#E3DFD5}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,system-ui,-apple-system,Segoe UI,Roboto,sans-serif;color:var(--ink);background:var(--off);line-height:1.6;font-size:17px}
h1,h2,h3{font-family:Montserrat,Inter,sans-serif;line-height:1.2;margin:0 0 .5em}
a{color:inherit}
.wrap{max-width:1160px;margin:0 auto;padding:0 24px}
.topbar{background:var(--char2);color:#cfcfcf;font-size:14px}
.topbar .wrap{display:flex;justify-content:space-between;gap:16px;padding-top:7px;padding-bottom:7px}
.topbar a{color:#fff;text-decoration:none}.topbar b{color:var(--gold)}
header.site{background:var(--char);border-bottom:4px solid var(--gold);position:sticky;top:0;z-index:10}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;gap:20px;padding-top:14px;padding-bottom:14px}
.brand{display:inline-flex;align-items:flex-start;position:relative;flex-shrink:0;text-decoration:none;color:inherit}
.brand img{height:58px;display:block}
.brand .tm,.foot-brand .tm{font:700 11px/1 Montserrat,Inter,sans-serif;color:#fff;margin-left:3px;position:relative;top:1px;letter-spacing:0}
.foot-brand{display:inline-flex;align-items:flex-start;margin:0 0 12px}
.foot-brand img{height:44px;width:auto;display:block}
nav.main{display:flex;align-items:center;gap:22px}
nav.main a{color:#fff;text-decoration:none;font-family:Montserrat,sans-serif;font-weight:600;font-size:15px}
nav.main a:hover,nav.main a.on{color:var(--gold)}
.btn{display:inline-block;padding:12px 20px;border-radius:4px;font-family:Montserrat,sans-serif;font-weight:700;text-decoration:none;font-size:15px;border:2px solid var(--gold)}
.btn.gold{background:var(--gold);color:var(--char)}.btn.gold:hover{background:var(--gold2)}
.btn.ghost{color:#fff;background:transparent}.btn.ghost:hover{background:rgba(201,162,39,.15)}
.btn.out{color:var(--char);background:transparent}
.menu-btn{display:none;background:none;border:2px solid var(--gold);color:#fff;border-radius:4px;padding:8px 12px;font:700 14px Montserrat,sans-serif}
.hero{background:linear-gradient(180deg,var(--char) 0%,#34373A 100%);color:#fff;padding:84px 0 92px;position:relative;overflow:hidden}
.hero:after{content:"";position:absolute;right:-120px;bottom:-160px;width:560px;height:560px;background:url(vcm-icon-shield-reversed.svg) no-repeat center/contain;opacity:.07}
.hero h1{font-size:50px;max-width:820px;font-weight:800}.hero h1 em{color:var(--gold);font-style:normal}
.hero p{font-size:20px;max-width:700px;color:#e6e6e6}
.hero .cta{display:flex;gap:14px;flex-wrap:wrap;margin-top:28px}
.trust{background:#fff;border-bottom:1px solid var(--line)}
.trust ul{list-style:none;margin:0;padding:18px 0;display:flex;flex-wrap:wrap;gap:12px 34px;font-size:15px;font-weight:600}
.trust li:before{content:"";display:inline-block;width:9px;height:9px;background:var(--gold);margin-right:9px;transform:rotate(45deg)}
section{padding:72px 0}section h2{font-size:34px}
.kicker{color:var(--gold);font:800 13px Montserrat,sans-serif;letter-spacing:.14em;text-transform:uppercase;margin-bottom:8px}
.grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:20px;margin-top:28px}
.card{background:#fff;border:1px solid var(--line);border-top:4px solid var(--gold);padding:22px;border-radius:4px}
.card h3{font-size:19px}.card p{margin:0;color:var(--mut);font-size:15.5px}.card a.more{display:inline-block;margin-top:12px;font-weight:700;color:var(--char);text-decoration:none;border-bottom:2px solid var(--gold)}
.why{background:var(--char);color:#fff}.why .grid{grid-template-columns:repeat(auto-fill,minmax(240px,1fr))}
.why .n{font:800 40px Montserrat,sans-serif;color:var(--gold)}.why p{color:#d7d7d7}
.cta-band{background:var(--gold);color:var(--char);padding:48px 0}.cta-band .wrap{display:flex;justify-content:space-between;align-items:center;gap:20px;flex-wrap:wrap}
.cta-band h2{margin:0;font-size:28px}.cta-band .btn{background:var(--char);color:#fff;border-color:var(--char)}
.page-head{background:var(--char);color:#fff;padding:56px 0}.page-head h1{font-size:40px}.page-head p{color:#ddd;max-width:760px;font-size:19px}
.content{max-width:820px}.content h2{font-size:26px;margin-top:1.6em}
.ph{background:#FFF3C4;border:1px dashed #C9A227;padding:1px 6px;border-radius:3px;font-size:.92em;color:#6b5400}
.notice{background:#fff;border-left:4px solid var(--gold);padding:14px 18px;margin:24px 0}
footer.site{background:var(--char2);color:#bdbdbd;font-size:14.5px;padding:48px 0 28px}
footer.site .cols{display:grid;grid-template-columns:1.6fr 1fr 1.3fr 1fr;gap:30px}footer.site h4{color:#fff;font-family:Montserrat,sans-serif;margin:0 0 10px}
footer.site a{color:#e8e8e8;text-decoration:none;display:block;margin:4px 0}footer.site a:hover{color:var(--gold)}
footer.site .legal{border-top:1px solid #3a3d40;margin-top:28px;padding-top:16px;font-size:13px}
@media(max-width:960px){nav.main{display:none}.menu-btn{display:block}nav.main.open{display:flex;flex-direction:column;position:absolute;left:0;right:0;top:100%;background:var(--char);padding:16px 24px;align-items:flex-start}
.brand img{height:44px}.hero{padding:56px 0 64px}.hero h1{font-size:34px}.hero p{font-size:18px}.topbar .hide-m{display:none}footer.site .cols{grid-template-columns:1fr}section{padding:52px 0}}
.about-grid{display:grid;grid-template-columns:380px 1fr;gap:48px;align-items:start}
.headshot{margin:0;position:sticky;top:120px}.headshot img{width:100%;height:auto;display:block;border-radius:4px;border-bottom:6px solid var(--gold);box-shadow:0 10px 30px rgba(0,0,0,.12)}
.headshot figcaption{font:600 14px Montserrat,sans-serif;color:var(--mut);margin-top:10px}
.contact-card{display:flex;align-items:center;gap:16px;background:#fff;border:1px solid var(--line);padding:14px 18px;border-radius:6px;margin:20px 0}
.contact-card img{width:96px;height:96px;border-radius:50%;object-fit:cover;border:3px solid var(--gold)}
@media(max-width:960px){.about-grid{grid-template-columns:1fr;gap:28px}.headshot{position:static;max-width:360px}}
table.fees{border-collapse:collapse;width:100%;max-width:560px;margin:12px 0 18px;background:#fff}
table.fees th{background:var(--char);color:#fff;text-align:left;padding:10px 14px;font:700 15px Montserrat,sans-serif}
table.fees td{padding:10px 14px;border-bottom:1px solid var(--line);font-weight:600}
table.fees td+td{color:var(--char);font:800 18px Montserrat,sans-serif}
/* v2: photo heads, two-column layout, forms */
.hero.img,.page-head.img{background:linear-gradient(90deg,rgba(31,33,35,.93) 0%,rgba(31,33,35,.78) 50%,rgba(31,33,35,.45) 100%),var(--bg) center/cover no-repeat}
.hero.img:after{display:none}
.page-head.img{padding:80px 0}
@media(max-width:700px){.hero.img,.page-head.img{background-image:linear-gradient(180deg,rgba(31,33,35,.85),rgba(31,33,35,.85)),var(--bgm)}}
.two-col{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:48px;align-items:start}
.two-col .content{max-width:none}
.side{background:#fff;border:1px solid var(--line);border-top:4px solid var(--gold);padding:22px;border-radius:4px;position:sticky;top:120px}
.side h3{font-size:19px}.side p{font-size:15.5px}.side .q{font-weight:700}.side .ph-line a{color:var(--char);font-weight:600}
.side .contact-card{margin:0 0 14px;border:0;padding:0}
@media(max-width:960px){.two-col{grid-template-columns:1fr}.side{position:static}}
.content h3{font-size:18px;margin-top:1.3em}.small{font-size:14px;color:var(--mut)}
.btns .btn{margin:0 8px 8px 0}
.form label{display:block;font-weight:600;font-size:15px;margin:0 0 14px}
.form input,.form select,.form textarea{display:block;width:100%;margin-top:6px;padding:11px 12px;border:1px solid #cfcabd;border-radius:4px;font:inherit;background:#fff}
.form input[type=file]{padding:8px;background:#fff}
.form .row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.form .check{display:flex;gap:10px;align-items:flex-start;font-weight:400}.form .check input{width:auto;margin-top:5px}
.form .hp{position:absolute;left:-9999px}
.form button{cursor:pointer}
@media(max-width:700px){.form .row{grid-template-columns:1fr;gap:0}}
footer.site .hours{display:block;margin-top:6px;color:#bdbdbd}
.side a[href^="mailto"]{overflow-wrap:anywhere;word-break:break-word}
.note{background:#FFF7DC;border-left:4px solid #C9A227;padding:12px 16px;border-radius:4px}section.also{background:#fff}
.linkbox{background:#fff;border:1px solid #E4DFD3;border-top:4px solid #C9A227;border-radius:6px;padding:16px 18px;margin:22px 0}.linkbox h3{margin:0 0 6px;font-size:17px}.linkbox ul{margin:8px 0;padding-left:18px}.linkbox li{margin:6px 0}.side .linkbox{margin-top:0}.form h2{margin:26px 0 8px;font-size:20px}.warn{color:#9B1C1C;font-weight:600}
/* v3: distinct VCM layout (Nov 2026) */
.btn,.card,.side,.linkbox,.note,.form input,.form select,.form textarea,.contact-card,.headshot img{border-radius:0}
.kicker{display:inline-block;border:1px solid var(--gold);padding:4px 10px;letter-spacing:.12em;margin-bottom:14px}
h2.rule{position:relative;padding-bottom:14px}h2.rule:after{content:"";position:absolute;left:0;bottom:0;width:64px;height:4px;background:var(--gold)}
header.site .wrap{gap:24px}nav.main{gap:20px;margin-right:auto;margin-left:28px}
nav.main .nav-extra{display:none}
.hdr-act{display:flex;align-items:center;gap:16px}
.hdr-tel{color:#fff;text-decoration:none;font:800 17px Montserrat,sans-serif;line-height:1.1;text-align:right;white-space:nowrap}
.hdr-tel small{display:block;font:600 11px Inter,sans-serif;letter-spacing:.1em;text-transform:uppercase;color:var(--gold)}
.hero2{padding:76px 0 84px}
.hero-grid{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:56px;align-items:center}
.hero2 h1{font-size:46px}.hero-alt{font-size:15px!important;color:#cfcfcf!important;margin-top:22px}.hero-alt a{color:var(--gold)}
.fee-panel{background:var(--off);color:var(--char);border-left:6px solid var(--gold);padding:22px 24px;box-shadow:0 18px 40px rgba(0,0,0,.35)}
.fp-head{font:800 13px Montserrat,sans-serif;letter-spacing:.12em;text-transform:uppercase;color:#8a6d10;margin-bottom:8px}
.fee-panel dl{margin:0}.fee-panel dl div{display:flex;justify-content:space-between;align-items:baseline;border-bottom:1px dashed #cfc7b2;padding:9px 0}
.fee-panel dt{font-weight:600;font-size:15.5px}.fee-panel dd{margin:0;font:800 24px Montserrat,sans-serif}
.fee-panel p{font-size:13.5px!important;color:var(--mut)!important;margin:12px 0 10px}.fee-panel a{font:700 14px Montserrat,sans-serif;color:var(--char)}
.ledger{background:var(--char2);color:#fff;border-top:1px solid #3a3d40}
.ledger .cells{display:grid;grid-template-columns:repeat(4,1fr)}
.ledger .cells div{padding:22px 20px;border-left:2px solid var(--gold)}.ledger .cells div:first-child{border-left:0;padding-left:0}
.ledger b{display:block;font:800 22px Montserrat,sans-serif;color:var(--gold)}.ledger span{font-size:14.5px;color:#d5d5d5}
.ledger p{margin:0;padding:12px 0 16px;border-top:1px solid #3a3d40;font-size:13.5px;color:#bdbdbd}
.steps-sec{background:#fff}
.timeline{list-style:none;counter-reset:st;margin:36px 0 28px;padding:0;display:grid;grid-template-columns:repeat(4,1fr);gap:26px;position:relative}
.timeline:before{content:"";position:absolute;top:22px;left:22px;right:22px;height:2px;background:var(--gold)}
.timeline li{counter-increment:st;position:relative;padding-top:64px}
.timeline li:before{content:counter(st);position:absolute;top:0;left:0;width:46px;height:46px;background:var(--char);color:var(--gold);font:800 20px/46px Montserrat,sans-serif;text-align:center;border:2px solid var(--gold)}
.timeline h3{font-size:19px}.timeline p{margin:0;color:var(--mut);font-size:15.5px}
.mark{background:var(--off)}
.mark-grid{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:56px;align-items:center}
.mark .lead{font-size:19px;font-weight:600}
.ticks{list-style:none;padding:0;margin:20px 0}.ticks li{padding-left:30px;position:relative;margin:10px 0}
.ticks li:before{content:"";position:absolute;left:4px;top:6px;width:7px;height:13px;border:solid var(--gold);border-width:0 3px 3px 0;transform:rotate(45deg)}
.mark figure{margin:0}.mark figure img{width:100%;height:auto;display:block;border:8px solid #fff;outline:2px solid var(--gold);box-shadow:0 14px 34px rgba(0,0,0,.14)}
.mark figcaption{font:600 13.5px Montserrat,sans-serif;color:var(--mut);margin-top:12px}
.textlink{font:700 15px Montserrat,sans-serif;color:var(--char);text-decoration:none;border-bottom:2px solid var(--gold)}
.ps-band{background:var(--char);color:#fff}.ps-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.1fr);gap:56px;align-items:start}
.ps-band p{color:#dcdcdc}.tag-light{display:inline-block;font:800 12px Montserrat,sans-serif;letter-spacing:.14em;text-transform:uppercase;color:var(--char)!important;background:var(--gold);padding:4px 10px;margin:0 0 14px}
.ps-list{margin:0}.ps-list div{display:grid;grid-template-columns:170px 1fr;gap:18px;padding:18px 0;border-bottom:1px solid #45484b}.ps-list div:first-child{border-top:1px solid #45484b}
.ps-list dt{font:700 16px Montserrat,sans-serif;color:var(--gold)}.ps-list dd{margin:0;color:#dcdcdc;font-size:15.5px}
.cta-band .wrap{justify-content:center;text-align:center;flex-direction:column}
@media(max-width:1100px){.hdr-tel{display:none}}
@media(max-width:960px){.hero-grid,.mark-grid,.ps-grid{grid-template-columns:1fr;gap:32px}.hero2 h1{font-size:32px}.fee-panel{max-width:420px}
.ledger .cells{grid-template-columns:1fr 1fr}.ledger .cells div:nth-child(3){border-left:0;padding-left:0}
.timeline{grid-template-columns:1fr;gap:22px}.timeline:before{top:0;bottom:0;left:22px;right:auto;width:2px;height:auto}.timeline li{padding:0 0 0 70px;min-height:46px}
.mark figure{max-width:320px}.ps-list div{grid-template-columns:1fr;gap:4px}
nav.main{margin:0}nav.main .nav-extra{display:block}.hdr-tel{display:block}.hdr-act .hide-s{display:none}header.site .wrap{gap:12px}.hdr-tel{font-size:15px}}
@media(max-width:420px){.hdr-tel small{display:none}.brand img{height:38px}}
nav.main a,.hdr-act .btn{white-space:nowrap}nav.main{gap:18px;margin-left:20px}nav.main a{font-size:14.5px}
.hdr-tel .m{display:none}
@media(max-width:1180px) and (min-width:961px){nav.main{gap:14px}nav.main a{font-size:14px}.hdr-tel{display:none}}
@media(max-width:560px){.hdr-tel small,.hdr-tel .num{display:none}.hdr-tel .m{display:inline-block;border:2px solid var(--gold);padding:7px 12px;font-size:14px}.menu-btn{padding:8px 10px}}
@media(max-width:560px){header.site .wrap{padding-left:16px;padding-right:16px;gap:10px}.brand img{height:36px;width:auto}.hdr-act{margin-left:auto}}

/* Nov 2026: home rebalance, field work, feedback */
.hero-panel{background:var(--off);color:var(--char);border-left:6px solid var(--gold);padding:8px 24px 20px;box-shadow:0 18px 40px rgba(0,0,0,.35)}
.hero-panel .hp-item{padding:16px 0;border-top:1px dashed #cfc7b2}
.hero-panel .hp-item:first-child{border-top:0}
.hero-panel .hp-label{margin:0 0 4px;font:600 14px Inter,sans-serif;color:#8a6d10;text-transform:none;letter-spacing:0}
.hero-panel h2{font-size:22px;margin:0 0 8px;color:var(--char)}
.hero-panel p{font-size:15px!important;color:var(--mut)!important;margin:0 0 12px;max-width:none}
.hero-panel .btns{margin:0}
.hero-panel .btn{padding:9px 14px;font-size:14px}
.hero-panel .btn.out{color:var(--char)}
.section-label{margin:0 0 12px;font:600 15px Inter,sans-serif;color:var(--gold);text-transform:none;letter-spacing:0}
.field-band{background:var(--char);color:#fff;padding:72px 0}
.field-band h2{color:#fff}
.field-band p,.field-band .lead{color:#dcdcdc}
.field-band .lead{font-size:19px;max-width:860px}
.field-band .field-cards{margin:28px 0 22px}
.field-band .card{background:#2B2D2F;border:1px solid #45484b;border-top:4px solid var(--gold);color:#fff}
.field-band .card p{color:#d7d7d7;margin:0}
.field-band .btn.ghost{margin-top:8px}
ul.zones{list-style:none;padding:0;margin:18px 0}
ul.zones li{background:#fff;border:1px solid var(--line);border-left:4px solid var(--gold);padding:14px 16px;margin:0 0 12px}
@media(max-width:960px){.hero-panel{max-width:520px}.field-band{padding:52px 0}}
@media(max-width:1320px) and (min-width:961px){nav.main{gap:12px;margin-left:16px}nav.main a{font-size:13.5px}}

/* Client survey ratings */
.form fieldset.rating{border:0;padding:0;margin:0 0 20px}
.form fieldset.rating legend{font-weight:600;font-size:15px;margin:0 0 8px;padding:0}
.rating-row{display:flex;flex-wrap:wrap;align-items:center;gap:8px 14px}
.rating-row label{display:inline-flex;align-items:center;gap:6px;margin:0;font-weight:400;font-size:15px}
.rating-row label input{width:auto;margin:0}
.rating-end{font-size:13px;color:var(--mut)}
.form label.open-q textarea{margin-top:6px}
.form label.check{margin-top:-4px;margin-bottom:18px}
.cov-map{margin:18px 0 8px}.cov-map img{width:100%;height:auto;display:block;border:1px solid var(--line);border-radius:4px;background:#fff}

@media(max-width:420px){.brand .tm{font-size:9px;margin-left:2px}}