/* Local advisory routes. Existing calculators and shared styles stay untouched. */
.advice-routes{padding:80px var(--gutter);background:#fbfaf6}
.advice-routes-intro,.advice-route-grid,.advice-route-note{max-width:1240px;margin-inline:auto}
.advice-routes-intro{display:grid;grid-template-columns:1fr 1fr;gap:16px 64px;margin-bottom:32px}
.advice-routes-intro .eyebrow{grid-column:1/-1;margin:0}
.advice-routes-intro>p:last-child{align-self:end;max-width:480px;color:var(--muted);font-size:1rem;line-height:1.7}
.advice-route-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:24px}
.advice-route{display:flex;flex-direction:column;min-width:0;padding:clamp(25px,3.5vw,44px);border:1px solid #bdcfc7;border-radius:14px;background:#eef3ef;text-decoration:none;color:var(--ink);transition:border-color .2s,background .2s}
.advice-route-retirement{background:#f5f0e5;border-color:#d9ccb2}
.advice-route:hover,.advice-route:focus-visible{border-color:#496e65;background:#e5eee6}
.advice-route h3{font-family:var(--sans);font-size:clamp(1.5rem,2.5vw,2rem);line-height:1.18;letter-spacing:-.035em;margin:14px 0 18px}
.advice-route>p{color:#405760;line-height:1.7;margin:0 0 18px}
.advice-route-topics{display:block;padding-bottom:24px;color:#46695e;font-size:.8rem;line-height:1.7}
.advice-route .card-link{margin-top:auto;border-top:1px solid #c2d0c7;padding-top:20px;font-size:.86rem}
.advice-route-note{margin-top:22px;margin-bottom:0;font-size:.85rem;color:var(--muted);line-height:1.7}
.advice-transparency{padding:20px;border-left:3px solid #7b9b86;background:#eef3eb;font-size:.85rem;line-height:1.7}
.advice-transparency strong{display:block;margin-bottom:6px}
.advice-transparency a,.home-refresh .hero-micro a{color:#2c625b;text-underline-offset:4px}
.home-refresh #hero-title em{display:inline-block;font-size:.76em;line-height:1.16;margin-top:.22em}
.home-refresh .main-nav{gap:clamp(12px,1.5vw,24px)}
.advice-page{--advice-gutter:clamp(20px,5vw,80px);--gold-600:#866027;background:#fbfaf6;color:#183641}
.advice-page :focus-visible{outline:3px solid #956020;outline-offset:4px}
.advice-page [id]{scroll-margin-top:120px}
.advice-header{position:sticky;top:0;z-index:30;display:flex;justify-content:space-between;align-items:center;gap:16px;padding:18px var(--advice-gutter);background:#fbfaf6;border-bottom:1px solid #d7dfd8}
.advice-header nav{display:flex;gap:20px;align-items:center;font-size:.87rem;font-weight:700}
.advice-header nav a{padding:10px 0;text-decoration:none}
.advice-header .advice-home{border:1px solid #bdc9bf;border-radius:7px;padding:10px 16px;white-space:nowrap}
.advice-wrap{max-width:1260px;margin:auto;padding-inline:var(--advice-gutter)}
.advice-breadcrumb{display:flex;flex-wrap:wrap;gap:8px 12px;padding-top:28px;font-size:.79rem;color:#52666f}
.advice-breadcrumb a{text-underline-offset:4px}
.advice-hero{display:grid;grid-template-columns:minmax(0,1.45fr) minmax(260px,.75fr);gap:clamp(30px,5vw,70px);padding:54px 0 64px;align-items:start}
.advice-page h1{font-size:clamp(2.45rem,4.2vw,4.3rem);line-height:1.09;letter-spacing:-.045em;overflow-wrap:break-word;hyphens:manual}
.advice-page h2{font-size:clamp(1.9rem,3.2vw,3rem);line-height:1.12;letter-spacing:-.035em}
.advice-page h3{line-height:1.3;letter-spacing:-.02em}
.advice-lead{font-size:1.13rem;line-height:1.75;color:#455e67;max-width:720px;margin:25px 0}
.advice-hero .text-link{display:inline-block;padding:10px 0;text-decoration:underline;text-underline-offset:5px}
.advice-at-a-glance{padding:28px;border:1px solid #c3d0c5;border-radius:14px;background:#eaf0e9}
.advice-at-a-glance h2{font-family:var(--sans);font-size:1.3rem;font-weight:700}
.advice-at-a-glance ol{margin:22px 0 0;padding-left:22px;color:#3b535c}
.advice-at-a-glance li{padding:8px 0 8px 4px;line-height:1.6}
.advice-at-a-glance p{font-size:.8rem;color:#50655c;margin:22px 0 0}
.advice-section{padding:58px 0;border-top:1px solid #d4ded5}
.advice-section>p{color:#455e67;max-width:760px;line-height:1.75}
.advice-cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px;margin-top:30px}
.advice-cards article{min-width:0;border:1px solid #d4ded5;border-radius:12px;padding:27px;background:#fff}
.advice-cards .advice-number{color:#866027;font-size:.85rem;font-weight:750;letter-spacing:.1em}
.advice-cards h3{font-size:1.15rem;margin:14px 0}
.advice-cards p{font-size:.94rem;line-height:1.7;color:#455e67;margin:0}
.advice-two-columns{display:grid;grid-template-columns:1fr 1fr;gap:clamp(24px,5vw,60px);margin-top:28px}
.advice-list{padding-left:22px;color:#455e67;line-height:1.75}
.advice-list li{padding:6px 0}
.advice-note{padding:24px;border-left:3px solid #718e76;background:#edf2eb;color:#354d55;line-height:1.7}
.advice-note p:last-child{margin-bottom:0}
.advice-result{background:#0b2c3a;color:#fff;border-radius:14px;padding:clamp(25px,4vw,42px)}
.advice-result h3{font-size:1.2rem;margin:0 0 15px}
.advice-result p,.advice-result .advice-list{color:#d4e0df}
.advice-related{display:flex;flex-wrap:wrap;gap:12px 26px;margin-top:24px;font-weight:650}
.advice-related a{font-size:.9rem;line-height:1.6;text-underline-offset:5px}
.advice-faq{margin-top:26px}
.advice-faq details{border-top:1px solid #ced9d0}
.advice-faq details:last-child{border-bottom:1px solid #ced9d0}
.advice-faq summary{padding:22px 8px 22px 0;font-weight:700;cursor:pointer;line-height:1.5}
.advice-faq details p{max-width:850px;margin:0 0 24px;line-height:1.75;color:#455e67}
.advice-person{display:grid;grid-template-columns:170px 1fr;gap:30px;align-items:start}
.advice-person img{display:block;width:100%;height:auto;border-radius:12px}
.advice-person h2{font-size:2.2rem}
.advice-person p{line-height:1.75;color:#455e67}
.advice-person address{font-style:normal;font-size:.9rem;line-height:1.7}
.advice-cta{margin:0 0 60px;padding:clamp(26px,4vw,48px);background:#e8efe7;border:1px solid #cbd7c9;border-radius:14px}
.advice-cta p{line-height:1.75;max-width:740px;color:#455e67}
.advice-cta .button{border-radius:8px;box-shadow:none;margin:12px 0;max-width:100%}
.advice-footer{padding:28px var(--advice-gutter) 85px;border-top:1px solid #d4ded5;display:flex;justify-content:space-between;gap:25px;flex-wrap:wrap;color:#52666f;font-size:.8rem}
.advice-footer nav{display:flex;flex-wrap:wrap;gap:20px}
@media(max-width:1100px){.home-refresh .main-nav a{font-size:.74rem}.advice-hero{grid-template-columns:1.3fr 1fr;gap:28px}.advice-cards{grid-template-columns:1fr}.advice-cards article{padding:24px}.advice-cards h3{margin-top:10px}}
@media(max-width:800px){.advice-hero,.advice-two-columns{grid-template-columns:1fr}.advice-header .advice-header-contact{display:none}.advice-hero{padding-block:35px 45px}.advice-section{padding-block:42px}.advice-person{grid-template-columns:110px 1fr;gap:22px}.advice-page h1{font-size:clamp(2.2rem,7vw,3.4rem)}}
@media(max-width:700px){.advice-routes{padding:55px var(--gutter)}.advice-routes-intro,.advice-route-grid{grid-template-columns:1fr;gap:24px}.advice-routes-intro>p:last-child{margin:0}.home-refresh .main-nav a{font-size:.86rem}.advice-person{grid-template-columns:1fr}.advice-person img{max-width:180px}.advice-header{padding-block:14px}.advice-header .wordmark small{display:none}.advice-header nav{gap:0}.advice-header .advice-home{font-size:.8rem;padding:10px 12px}.advice-header .wordmark-symbol{display:none}.advice-header .wordmark strong{font-size:.85rem}.advice-lead{font-size:1.05rem}.advice-at-a-glance{padding:24px}}
@media(prefers-reduced-motion:reduce){.advice-route{transition:none}}
@media print{.advice-header,.advice-footer,.advice-cta .button{display:none}.advice-section{padding-block:24px}.advice-cards,.advice-two-columns{display:block}.advice-result{color:#000;background:#fff}.advice-result p,.advice-result .advice-list{color:#000}}