:root{--navy:#10253a;--deep:#0b1b2b;--gold:#c9a02d;--goldlight:#e7c878;--ivory:#f8f6f1;--ink:#15283c;--muted:#576675;--line:#e4e5e4}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);background:white;font-family:Arial,Helvetica,sans-serif;line-height:1.65}a{color:inherit;text-decoration:none}a:hover{text-decoration:underline}img{max-width:100%;display:block}.container{width:min(1140px,calc(100% - 48px));margin:auto}h1,h2,h3{font-family:Georgia,'Times New Roman',serif;font-weight:500;line-height:1.13}h1{font-size:clamp(2.5rem,5.1vw,5rem);margin:.2em 0 .35em}h2{font-size:clamp(2rem,3.5vw,3.3rem);margin:.1em 0 .5em}h3{font-size:1.55rem;margin:.3em 0}.eyebrow{text-transform:uppercase;letter-spacing:.22em;font-size:.74rem;font-weight:700;color:#ad8123}.lead{font-size:1.12rem;color:var(--muted);max-width:690px}.header{background:#fff;position:sticky;top:0;z-index:20;box-shadow:0 1px 14px #13263812}.header-inner{display:flex;align-items:center;justify-content:space-between;gap:18px;min-height:92px}.logo{width:235px;max-width:50vw;height:auto}.nav{display:flex;align-items:center;gap:21px;font-size:.87rem}.nav a[aria-current=page]{color:#9a741f;border-bottom:2px solid var(--gold)}.button{display:inline-flex;align-items:center;justify-content:center;gap:12px;padding:13px 21px;background:linear-gradient(100deg,#e6c36d,#c9a02d);border:1px solid #b68a2c;color:#122538;border-radius:3px;font-weight:700;font-size:.92rem;cursor:pointer}.button:hover{text-decoration:none;filter:brightness(1.04)}.button.outline{background:transparent;color:inherit;border:1px solid var(--goldlight)}.menu-button{display:none;background:var(--navy);color:var(--goldlight);border:1px solid var(--gold);border-radius:4px;font-size:1.5rem;padding:4px 13px;cursor:pointer}.mobile-menu{display:none}.hero{background:radial-gradient(ellipse at 90% 15%,#c9a02d40,transparent 48%),linear-gradient(110deg,#0b1b2b,#18364c);color:#fff;position:relative;overflow:hidden}.hero:after{content:"";position:absolute;right:-5%;bottom:-40%;height:620px;width:620px;border:1px solid #d7b96c25;border-radius:50%;box-shadow:0 0 0 65px #d7b96c08,0 0 0 130px #d7b96c06;pointer-events:none}.hero-inner{position:relative;z-index:1;padding:92px 0 100px}.hero p{max-width:670px;font-size:1.14rem;color:#e2e8ed}.hero h1{max-width:800px}.gold{color:var(--goldlight)}.actions{display:flex;flex-wrap:wrap;gap:13px;margin-top:29px}.section{padding:78px 0}.section.alt{background:var(--ivory)}.section.blue{background:#eaf0f3}.split{display:grid;grid-template-columns:1fr 1fr;gap:50px;align-items:center}.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:23px}.grid2{display:grid;grid-template-columns:repeat(2,1fr);gap:23px}.card{border:1px solid var(--line);background:#fff;padding:28px;border-radius:5px;box-shadow:0 10px 28px #13263808}.card h3{margin-top:0}.card p{color:var(--muted)}.card .link{color:#966d1c;font-weight:700}.card-number{color:#bb9135;font-size:.82rem;letter-spacing:.12em;font-weight:700}.mini{font-size:.9rem;color:var(--muted)}.service-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.portrait{max-height:540px;width:100%;object-fit:contain;object-position:center top;background:#fff;border:1px solid var(--line)}.page-hero{background:var(--navy);color:white;padding:67px 0}.page-hero p{color:#dce4e8;max-width:740px}.page-hero h1{font-size:clamp(2.4rem,4.5vw,4.2rem)}.list-clean{padding-left:22px}.list-clean li{margin-bottom:10px}.footer{background:var(--deep);color:#dbe2e8;padding:52px 0 25px}.footer-inner{display:grid;grid-template-columns:1.7fr 1fr 1fr;gap:42px}.footer a{color:#e9cb7c}.footer-logo{max-width:235px;background:#fff;padding:8px}.footer small{color:#b2bec8}.divider{border-top:1px solid #ffffff26;margin-top:38px;padding-top:18px}.form{display:grid;gap:13px}.form label{font-size:.9rem;font-weight:700}.form input,.form textarea,.form select{width:100%;padding:12px;border:1px solid #cbd3d8;border-radius:3px;font:inherit}.form textarea{min-height:115px}.notice{background:#f4f0e6;border-left:3px solid var(--gold);padding:16px 18px;color:#394553}.pill{display:inline-block;border:1px solid #d7c89e;border-radius:100px;padding:5px 12px;font-size:.79rem;color:#83631c}.cta{background:var(--navy);color:#fff;padding:56px 0}.cta .split{gap:20px}.cta h2{margin:0}.cta p{color:#d9e3eb}.footer-links{display:flex;flex-wrap:wrap;gap:12px 20px}.nav-note{font-size:.8rem;color:#778390}.article-meta{font-size:.8rem;text-transform:uppercase;letter-spacing:.1em;color:#a27c29}
@media(max-width:1020px){.nav,.header-inner>.button{display:none}.menu-button{display:block}.header-inner{min-height:76px}.logo{width:210px}.mobile-menu{background:#fff;border-top:1px solid var(--line);padding:8px 24px 18px}.mobile-menu.open{display:block}.mobile-menu a{display:block;padding:11px 8px;border-bottom:1px solid #e9ecee}.mobile-menu a.button{display:flex;margin-top:15px}.footer-inner{grid-template-columns:1fr 1fr}}
@media(max-width:700px){.container{width:min(100% - 34px,1140px)}.header-inner{min-height:70px}.logo{width:190px}.hero-inner{padding:65px 0 72px}.hero h1{font-size:clamp(2.6rem,10vw,4rem)}.section{padding:52px 0}.split,.grid3,.grid2,.service-grid,.footer-inner{grid-template-columns:1fr;gap:18px}.card{padding:23px}.page-hero{padding:50px 0}.cta{padding:45px 0}.actions .button{width:100%}.footer-logo{max-width:190px}}

.audience-card{padding:0;overflow:hidden}.audience-card img{width:100%;height:205px;object-fit:cover}.audience-body{padding:24px}.audience-body .button{width:100%;margin-top:10px}.audience-body ul{padding-left:20px;color:var(--muted);font-size:.94rem}.audience-body li{margin:6px 0}.social-links{display:flex;gap:14px;flex-wrap:wrap;margin-top:18px}.social-link{display:inline-flex;align-items:center;gap:9px;padding:11px 16px;border:1px solid var(--line);border-radius:4px;font-weight:700;background:white}.social-link:hover{border-color:var(--gold);text-decoration:none}.social-placeholder{color:var(--muted);border-style:dashed;font-weight:400}.social-dot{background:var(--navy);color:var(--goldlight);border-radius:50%;height:27px;width:27px;display:inline-grid;place-items:center;font-size:.78rem;font-weight:700}.audience-details{padding:30px 0;border-bottom:1px solid var(--line)}.audience-details h2{margin-bottom:12px}@media(max-width:700px){.audience-card img{height:195px}}
/* Accessible branded social icon links */
.social-icon-links{display:flex;align-items:center;flex-wrap:wrap;gap:12px;margin:22px 0}
.social-icon{width:48px;height:48px;display:inline-flex;align-items:center;justify-content:center;border:1px solid #d7c28c;border-radius:50%;background:var(--navy);color:var(--goldlight);transition:background .18s,color .18s,transform .18s}
.social-icon:hover,.social-icon:focus-visible{background:var(--goldlight);color:var(--navy);transform:translateY(-2px);text-decoration:none}
.social-icon:focus-visible{outline:3px solid #5f8fdb;outline-offset:3px}
.social-icon svg{display:block}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.footer-social{margin-top:20px}.footer-social .social-icon{background:transparent;color:var(--goldlight)}.footer-social .social-icon:hover{background:var(--goldlight);color:var(--navy)}

/* Platform-recognizable brand treatments rather than monochrome Karma buttons */
.social-icon{background:#fff;border:1px solid #e1e5e8;color:#222;border-radius:12px}
.social-linkedin{background:#0A66C2;color:white;border-color:#0A66C2}
.social-facebook{background:#0866FF;color:white;border-color:#0866FF}
.social-instagram{background:linear-gradient(35deg,#FEDA75 0%,#FA7E1E 23%,#D62976 52%,#962FBF 78%,#4F5BD5 100%);color:white;border:0}
.social-youtube{background:#FF0033;color:white;border-color:#FF0033}
.social-icon:hover,.social-icon:focus-visible{background:#fff;color:var(--navy);transform:translateY(-2px);border-color:var(--gold)}
.footer-social .social-icon{background:initial}
.footer-social .social-linkedin{background:#0A66C2;color:white}
.footer-social .social-facebook{background:#0866FF;color:white}
.footer-social .social-instagram{background:linear-gradient(35deg,#FEDA75,#FA7E1E,#D62976,#962FBF,#4F5BD5);color:white}
.footer-social .social-youtube{background:#FF0033;color:white}

/* Raster logo assets ensure visibility in mobile HTML file previews. */
.social-icon{background:transparent!important;border:0!important;border-radius:12px;padding:0;overflow:hidden;width:48px;height:48px}
.social-icon .social-logo-img{display:block;width:48px;height:48px;object-fit:contain;border-radius:12px}
.social-icon:hover,.social-icon:focus-visible{transform:translateY(-2px);outline-offset:3px}

.footer-social .social-icon-links{display:flex;flex-wrap:wrap;gap:12px;margin-top:12px;align-items:center}
.footer-social .social-icon{display:inline-flex!important;width:48px!important;height:48px!important;padding:0!important;background:transparent!important;border:0!important}
.footer-social .social-logo-img{display:block!important;width:48px!important;height:48px!important;object-fit:contain}

/* V8: recognizable platform logo artwork; images are bundled, not remotely fetched. */
.social-icon,.footer-social .social-icon{display:inline-flex!important;align-items:center;justify-content:center;background:transparent!important;border:0!important;box-shadow:none!important;width:48px;height:48px;padding:0!important;overflow:visible}
.social-icon img.social-logo-img{display:block!important;width:48px!important;height:48px!important;object-fit:contain;border-radius:10px}
.social-icon:focus-visible{outline:2px solid #c9a02d;outline-offset:4px}

/* Expanded editorial sections */
.audience-details{scroll-margin-top:105px}
.audience-details h3{margin-top:1rem}
.detail-list{line-height:1.75;padding-left:1.4rem;max-width:850px}
.detail-list li{margin-bottom:.65rem}
.example-note{background:#f8f6f1;border-left:3px solid #c9a02d;padding:1rem 1.25rem;max-width:850px}
.faq-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1.5rem;margin-top:2rem}
.faq-grid article{padding:1.5rem;border:1px solid #e4e0d7;border-radius:10px;background:#fff}
.faq-grid h3{margin-top:0}
.fine-print{font-size:.94rem;opacity:.85}
@media(max-width:760px){.faq-grid{grid-template-columns:1fr}}

/* V11: editorial premium treatment inspired by structure, not copied branding. */
:root{--editorial-ivory:#faf8f3}
main h2{letter-spacing:-.025em;line-height:1.14}
main .section{padding-top:clamp(3.5rem,6vw,6.5rem);padding-bottom:clamp(3.5rem,6vw,6.5rem)}
main .lead{line-height:1.7}
.audience-card-image{display:block;width:calc(100% + 2 * 1.5rem);max-width:none;height:210px;object-fit:cover;margin:-1.5rem -1.5rem 1.5rem}
.grid3 .card:has(.audience-card-image){overflow:hidden}
.editorial-service{display:flow-root;padding:2rem 0;border-bottom:1px solid #ddd8ce;min-height:260px}
.editorial-service-photo{width:36%;max-height:255px;object-fit:cover;border-radius:6px;float:right;margin:0 0 1.2rem 2rem}
.editorial-service:nth-child(even) .editorial-service-photo{float:left;margin:0 2rem 1.2rem 0}
.editorial-audience{padding-top:2rem;padding-bottom:2rem;border-bottom:1px solid #ddd8ce}
.editorial-step{border-left:3px solid #c9a02d;padding-left:1.5rem;margin-bottom:1.5rem}
.editorial-approach{align-items:center}
@media(max-width:720px){.editorial-service-photo,.editorial-service:nth-child(even) .editorial-service-photo{float:none;display:block;width:100%;height:200px;max-height:none;margin:0 0 1.5rem}.audience-card-image{height:180px}}

/* Version 17: editorial private-wealth visual treatment */
:root{--navy:#10253a;--deep:#0b1b2b;--gold:#c9a02d;--ivory:#f8f6f1}
body{letter-spacing:.005em} .container{width:min(1190px,calc(100% - 52px))}
h1,h2,h3{letter-spacing:-.022em}.eyebrow{letter-spacing:.19em}
.header{border-bottom:1px solid #e8e1d6}.header-inner{min-height:94px}
.hero-editorial{background:linear-gradient(90deg,rgba(8,25,41,.96) 0%,rgba(10,30,47,.9) 53%,rgba(10,30,47,.72) 100%),url('incorporated-professionals.jpg') center 40%/cover no-repeat;min-height:590px;display:flex;align-items:center}
.hero-editorial .hero-inner{padding:115px 0}.hero-editorial h1{font-size:clamp(3rem,5.7vw,5.7rem);line-height:1.07;max-width:860px}.hero-editorial p{font-size:1.2rem;max-width:670px}
.section{padding-top:95px;padding-bottom:95px}.section.alt{background:#f7f4ee}.card{border-radius:0;box-shadow:none;transition:transform .2s ease,box-shadow .2s ease}.card:hover{transform:translateY(-3px);box-shadow:0 14px 28px #10253a0d}.card .link{color:#88631b}
.page-hero{padding:93px 0;background:linear-gradient(115deg,#10253a,#1b4057)}.page-hero h1{max-width:980px}
.editorial-service{display:grid;grid-template-columns: minmax(0,44%) minmax(0,1fr);gap:18px 58px;align-items:start;min-height:0;padding:68px 0;border-bottom:1px solid #ddd5c8;overflow:hidden}
.editorial-service::after{content:'';display:block;clear:both}.editorial-service-photo{float:none!important;grid-column:1;grid-row:1 / span 8;display:block;width:100%!important;max-height:none!important;height:420px!important;object-fit:cover;margin:0!important;border-radius:0!important;box-shadow:16px 16px 0 #e7dfd0}
.editorial-service:nth-of-type(even){grid-template-columns:minmax(0,1fr) minmax(0,44%)}.editorial-service:nth-of-type(even) .editorial-service-photo{grid-column:2;box-shadow:-16px 16px 0 #e7dfd0}
.editorial-service>h2,.editorial-service>p,.editorial-service>.eyebrow,.editorial-service>a{grid-column:2;max-width:650px}.editorial-service:nth-of-type(even)>h2,.editorial-service:nth-of-type(even)>p,.editorial-service:nth-of-type(even)>.eyebrow,.editorial-service:nth-of-type(even)>a{grid-column:1}
.editorial-service h2{font-size:clamp(1.9rem,3vw,3rem);margin:0 0 4px}.editorial-service p{margin:0 0 8px}.editorial-service .button{justify-self:start;align-self:start;margin-top:12px}.editorial-service .fine-print{font-size:.87rem;color:#69727b}
.footer{border-top:4px solid #c9a02d}.portrait{border:0;max-height:600px;object-fit:cover}
@media(max-width:850px){.hero-editorial{min-height:490px}.editorial-service,.editorial-service:nth-of-type(even){display:flex;flex-direction:column;gap:15px;padding:45px 0}.editorial-service-photo,.editorial-service:nth-of-type(even) .editorial-service-photo{width:100%!important;height:300px!important;box-shadow:none}.editorial-service>*{max-width:100%}.section{padding-top:62px;padding-bottom:62px}}
@media(max-width:520px){.container{width:calc(100% - 36px)}.hero-editorial .hero-inner{padding:72px 0}.hero-editorial h1{font-size:2.75rem}.editorial-service-photo{height:230px!important}}

/* V18 premium editorial refinements */
.header-inner{min-height:106px}.logo{width:280px;max-width:48vw}
.hero-editorial{background:linear-gradient(90deg,rgba(8,25,41,.97) 0%,rgba(10,30,47,.93) 37%,rgba(10,30,47,.56) 72%,rgba(10,30,47,.35) 100%),url('incorporated-professionals.jpg') center 40%/cover no-repeat}
.hero-editorial .hero-inner{padding:120px 0}.hero-editorial h1{max-width:780px}
.hero-editorial p{max-width:610px}
.editorial-service-photo{height:345px!important;aspect-ratio:16/7;object-fit:cover}
.founder-feature .portrait{width:100%;max-height:560px;object-fit:cover}
.founder-feature h2{font-size:clamp(2.2rem,3.7vw,3.7rem)}
.founder-feature .founder-role{font-weight:700;color:#9a741f;letter-spacing:.02em}
.founder-feature .founder-link{display:inline-block;margin-left:14px;font-weight:700;color:#9a741f}
@media(max-width:950px){.header-inner{min-height:86px}.logo{width:215px}}
@media(max-width:850px){.editorial-service-photo{height:300px!important}}
@media(max-width:520px){.logo{width:185px}.editorial-service-photo{height:220px!important}.founder-feature .founder-link{display:block;margin:16px 0 0}}

/* V19 Contact Form 7 integration */
.karma-cf7-card .wpcf7 form{display:grid;gap:14px}
.karma-cf7-card .wpcf7 form label{display:block;font-size:.92rem;font-weight:700;color:#10253a}
.karma-cf7-card .wpcf7 form label .wpcf7-form-control-wrap{display:block;margin-top:7px}
.karma-cf7-card .wpcf7 input:not([type=checkbox]):not([type=submit]),.karma-cf7-card .wpcf7 textarea,.karma-cf7-card .wpcf7 select{box-sizing:border-box;width:100%;padding:13px;border:1px solid #cbd3d8;border-radius:3px;font:inherit;background:#fff;color:#10253a}
.karma-cf7-card .wpcf7 textarea{min-height:145px}
.karma-cf7-card .wpcf7 input[type=submit]{background:#c9a02d;color:#10253a;border:1px solid #ad8420;padding:14px 22px;font:inherit;font-weight:700;cursor:pointer;border-radius:2px}
.karma-cf7-card .wpcf7 input[type=submit]:hover{background:#e0b548}
.karma-cf7-card .wpcf7 .wpcf7-acceptance .wpcf7-list-item{margin:0}
.karma-cf7-card .wpcf7 .wpcf7-acceptance label{display:flex;align-items:flex-start;gap:10px;font-size:.88rem;font-weight:400;line-height:1.5}
.karma-cf7-card .wpcf7 .wpcf7-acceptance input{margin-top:4px}
.karma-cf7-card .wpcf7-not-valid-tip{font-size:.83rem;color:#a52b26}
.karma-cf7-card .wpcf7-response-output{margin:10px 0!important;padding:12px!important}

/* V20: consolidated mobile and content enhancements */
.legal-content{max-width:880px}.legal-content h2{font-size:clamp(1.65rem,3vw,2.2rem);margin-top:2rem}.legal-content h3{font-size:1.35rem;margin-top:1.5rem}.legal-content p,.legal-content li{line-height:1.8}.legal-content a,.karma-cf7-card a{color:#866015;text-decoration:underline}.insights-index{display:flex;flex-wrap:wrap;gap:12px;margin-top:25px}.insights-index a{border:1px solid #d5c6a3;padding:12px 16px;background:white;color:#76551a}.insight-article{scroll-margin-top:110px;padding:30px 0 42px;border-bottom:1px solid #d9dde0}.insight-article:first-child{padding-top:0}.insight-article:last-of-type{border-bottom:0}.referral-panel{max-width:900px;margin:50px auto 0;padding:30px;border-left:4px solid #c9a02d;background:#f7f4ee}.karma-cf7-card .wpcf7-form-control-wrap{display:block}.karma-cf7-card input:not([type=checkbox]),.karma-cf7-card select,.karma-cf7-card textarea{display:block;width:100%;max-width:100%;min-height:48px;border:1px solid #bfc9d1;border-radius:4px;padding:12px;font:inherit}.karma-cf7-card textarea{min-height:130px}.karma-cf7-card label{display:block;margin:0 0 14px;font-weight:600}.karma-cf7-card .wpcf7-acceptance label{display:flex;align-items:flex-start;gap:9px;font-weight:400}.karma-cf7-card input[type=checkbox]{width:20px;height:20px;flex:0 0 20px;margin-top:4px}.karma-cf7-card .wpcf7-submit{min-height:48px;padding:12px 22px;border:1px solid #b68a2c;background:#dfb958;color:#122538;font-weight:700;cursor:pointer}.karma-cf7-card .wpcf7-not-valid-tip{color:#a12222}.grecaptcha-badge{z-index:5!important}
@media(max-width:700px){.page-hero{padding:43px 0 45px}.page-hero h1{font-size:clamp(2rem,8.5vw,2.65rem)}.hero-editorial{min-height:0;background-position:62% center}.hero-editorial .hero-inner{padding:65px 0 70px}.hero-editorial h1{font-size:clamp(2.25rem,9.2vw,2.65rem);line-height:1.1}.hero-editorial p{font-size:1.05rem}.section{padding-top:48px;padding-bottom:48px}.karma-cf7-card .wpcf7-submit{width:100%}.referral-panel{margin-top:32px;padding:22px}.insights-index{flex-direction:column}.insights-index a{width:100%}.insight-article{scroll-margin-top:85px}.grecaptcha-badge{bottom:8px!important;right:0!important;transform:scale(.75);transform-origin:bottom right}}

/* V21: responsive refinement and Insights article cards */
html{scroll-padding-top:160px}
[id]{scroll-margin-top:160px}
.insights-cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px;margin-top:30px}
.insight-preview{display:block;border:1px solid #ddd5c5;background:#fff;padding:26px;color:#142a3d;text-decoration:none;transition:box-shadow .2s,transform .2s}
.insight-preview:hover,.insight-preview:focus-visible{box-shadow:0 12px 26px rgba(13,35,54,.12);transform:translateY(-2px)}
.insight-preview h2{font-size:clamp(1.4rem,2.1vw,1.9rem);line-height:1.2;margin:18px 0 12px}.insight-preview p{line-height:1.65}.insight-read{font-weight:700;color:#85601d}
@media(min-width:1000px){.header .logo{max-height:78px;width:auto}.hero-editorial h1{font-size:clamp(3.1rem,4.5vw,5rem);max-width:900px}.hero-editorial{background-position:68% center}}
@media(max-width:800px){.insights-cards{grid-template-columns:1fr}.insight-preview{padding:22px}html{scroll-padding-top:95px}[id]{scroll-margin-top:95px}}