:root{--navy:#142B38;--olive:#575D3B;--teal:#28605E;--cream:#F5F2EC;--gold:#B99862;--ink:#142B38;--muted:#53636A;--line:#E2D9C8;--white:#FCFBF8;--sage:#A3B6AD;--soft-gold:#D5BD8E}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:92px}body{margin:0;color:var(--ink);background:var(--cream);font:16px/1.65 Arial,sans-serif}a{color:inherit}button,input,select,textarea{font:inherit}button,a,input,textarea,select{outline-offset:5px}button{cursor:pointer}.wrap{max-width:1180px;margin:auto;padding:0 38px}.review{background:var(--cream);color:var(--olive);font-size:12px;letter-spacing:.04em}.review .wrap{display:flex;justify-content:space-between;align-items:center;gap:16px;padding-top:9px;padding-bottom:9px}.review button{border:0;background:none;color:inherit;text-decoration:underline;font-size:12px}header{position:sticky;top:0;background:rgba(245,242,236,.98);z-index:10;border-bottom:1px solid var(--line)}.nav{min-height:90px;display:flex;align-items:center;justify-content:space-between;gap:30px}.brand{text-decoration:none;font-family:Georgia,serif;font-size:29px;line-height:1.1;letter-spacing:-1px}.brand small{display:block;font:9px/1.4 Arial,sans-serif;text-transform:uppercase;letter-spacing:4px;padding-top:7px}nav{display:flex;align-items:center;gap:30px;font-size:13px}nav a{text-decoration:none}.btn{display:inline-flex;align-items:center;justify-content:center;padding:14px 23px;background:var(--olive);color:var(--white);text-decoration:none;border:1px solid var(--olive);font-size:14px;font-weight:bold;border-radius:2px;gap:18px}.btn:hover{background:var(--navy)}.btn.secondary{background:transparent;color:var(--ink);border-color:var(--olive)}.hero{padding:78px 0 68px;display:grid;grid-template-columns:1.25fr 1fr;gap:80px;align-items:center}.eyebrow{font-size:11px;text-transform:uppercase;font-weight:bold;letter-spacing:2px;color:var(--olive);margin:0 0 23px}h1,h2,h3,p{margin-top:0}h1{font:normal clamp(42px,4.6vw,63px)/1.08 Georgia,serif;letter-spacing:-2px;margin-bottom:28px;color:var(--navy)}h1 em{font-weight:normal;color:var(--olive)}.lead{font-size:17px;max-width:550px;color:var(--muted);margin-bottom:30px}.actions{display:flex;gap:13px;flex-wrap:wrap}.hero-panel{background:var(--navy);color:var(--cream);padding:42px;position:relative;min-height:428px;display:flex;flex-direction:column;justify-content:space-between;overflow:hidden}.hero-panel:before{content:"";position:absolute;width:270px;height:270px;border:1px solid var(--muted);border-radius:50%;right:-110px;top:-70px}.panel-label{font-size:10px;letter-spacing:2px;color:var(--soft-gold);text-transform:uppercase;position:relative}.hero-panel h2{font:normal 36px/1.18 Georgia,serif;max-width:310px;position:relative;letter-spacing:-.7px;margin:35px 0}.panel-bottom{border-top:1px solid var(--muted);padding-top:21px;font-size:13px;color:var(--sage)}.panel-bottom strong{display:block;color:var(--white);font-size:15px}.scope{padding:22px 0;border-top:1px solid var(--line);border-bottom:1px solid var(--line);display:flex;justify-content:space-between;gap:25px;font-size:12px;color:var(--muted)}.scope strong{color:var(--navy);font-size:12px;font-weight:normal;letter-spacing:1px;text-transform:uppercase}.section{padding:85px 0}.section-head{display:grid;grid-template-columns:1fr 1fr;gap:80px;align-items:end;margin-bottom:38px}h2{font:normal 40px/1.15 Georgia,serif;letter-spacing:-1px;color:var(--navy);margin-bottom:0}.section-head p{color:var(--muted);font-size:15px;margin-bottom:0}.services{display:grid;grid-template-columns:repeat(3,1fr);border-left:1px solid var(--line);border-top:1px solid var(--line)}details.service{padding:27px 26px 24px;border-right:1px solid var(--line);border-bottom:1px solid var(--line);background:var(--white)}details summary{cursor:pointer;list-style:none;position:relative;padding-right:22px}details summary::-webkit-details-marker{display:none}details summary:after{content:"+";position:absolute;right:0;top:23px;font-size:21px;color:var(--olive)}details[open] summary:after{content:"−"}.num{font-size:11px;color:var(--muted);display:block;letter-spacing:1px;margin-bottom:15px}h3{font:normal 22px/1.25 Georgia,serif;color:var(--navy);margin-bottom:14px}details p{font-size:14px;color:var(--muted);margin:0}details .more{border-top:1px solid var(--line);padding-top:14px;margin-top:18px;color:var(--olive);font-size:13px}.approach{background:var(--white)}.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:45px;margin-top:44px}.step{border-top:2px solid var(--sage);padding-top:24px}.step span{font-size:11px;color:var(--olive);letter-spacing:2px}.step h3{margin:12px 0}.step p{font-size:15px;color:var(--muted);margin-bottom:0}.about{display:grid;grid-template-columns:.85fr 1.2fr;gap:95px;align-items:start}.initials{background:var(--line);width:100%;min-height:290px;display:grid;place-items:center;color:var(--navy);position:relative}.initials span{font:normal 100px Georgia,serif;letter-spacing:-8px}.initials small{position:absolute;bottom:25px;letter-spacing:3px;font-size:10px;text-transform:uppercase}.about h2{margin-bottom:22px}.about p{color:var(--muted);font-size:16px}.expertise{border-top:1px solid var(--line);padding-top:18px;color:var(--olive)!important;font-size:13px!important}.contact{background:var(--navy);color:var(--white)}.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:85px}.contact h2{color:var(--white);margin-bottom:25px}.contact .eyebrow{color:var(--soft-gold)}.contact p{color:var(--sage);font-size:16px}.contact a.email{font-family:Georgia,serif;font-size:22px;color:var(--white);text-underline-offset:5px}label{display:block;font-size:12px;margin:0 0 6px;color:var(--sage)}input,select,textarea{width:100%;padding:11px 12px;border:1px solid var(--sage);border-radius:2px;background:var(--navy);color:var(--white);margin-bottom:15px}select option{color:var(--navy);background:var(--white)}textarea{resize:vertical;min-height:100px}.contact button.btn{background:var(--soft-gold);border-color:var(--soft-gold);color:var(--navy)}.small{font-size:12px!important;margin:12px 0 0!important}footer{font-size:12px;padding:25px 0;color:var(--muted)}footer .wrap{display:flex;justify-content:space-between;gap:20px}.menu{display:none}dialog{max-width:760px;width:92%;border:1px solid var(--line);padding:28px;background:var(--cream);color:var(--navy);max-height:85vh}dialog::backdrop{background:#142b38b0}dialog textarea{min-height:45vh;background:var(--white);color:var(--ink)}.dialog-top{display:flex;justify-content:space-between;align-items:center;margin-bottom:15px;gap:20px}.dialog-top h2{font-size:26px}.close{border:0;background:none;font-size:22px;color:var(--navy)}@media(max-width:900px){.hero{gap:35px}.hero-panel{padding:30px}nav{gap:17px}.section-head{gap:35px}.about{gap:40px}.contact-grid{gap:40px}}@media(max-width:700px){.wrap{padding-left:23px;padding-right:23px}.nav{min-height:75px;flex-wrap:wrap;gap:0;padding-top:15px;padding-bottom:15px}.brand{font-size:25px}.menu{display:block;background:none;border:1px solid var(--line);padding:5px 10px;color:var(--ink)}nav{display:none;flex-basis:100%;flex-direction:column;align-items:flex-start;padding-top:22px;gap:18px}nav.open{display:flex}nav .btn{width:100%}.hero{grid-template-columns:1fr;padding-top:45px;gap:35px}.hero-panel{min-height:310px}.hero-panel h2{max-width:100%;font-size:32px;margin:25px 0}.scope{flex-wrap:wrap;justify-content:flex-start;column-gap:22px;row-gap:8px}.scope strong{width:100%}.section{padding:55px 0}.section-head,.about,.contact-grid{grid-template-columns:1fr;gap:25px}.services{grid-template-columns:1fr}.steps{grid-template-columns:1fr;gap:27px}.initials{min-height:220px}.contact-grid{gap:35px}h2{font-size:34px}.review .wrap{font-size:10px}.review button{font-size:10px}footer .wrap{flex-direction:column;gap:6px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}

/* MorganBlair approved brand assets are displayed unchanged, with their original aspect ratios. */
.brand{display:inline-flex;align-items:center;gap:12px;flex-shrink:0;line-height:0;letter-spacing:normal}
.brand img{display:block;height:auto;object-fit:contain}
.brand .brand-mark{width:46px;height:46px}.brand .brand-wordmark{width:215px;height:auto}
.nav{gap:22px}nav{gap:22px}nav a[aria-current="page"]{color:var(--olive);font-weight:bold;text-decoration:underline;text-underline-offset:6px}
.hero-panel{background:var(--olive)}.hero-panel h2{color:var(--cream)}.hero-panel:before{border-color:var(--soft-gold)}
.hero-panel .panel-label,.hero-panel .panel-bottom{color:var(--cream)}.hero-panel .panel-bottom{border-color:var(--soft-gold)}
.num{color:var(--muted)}.step{border-color:var(--gold)}
.brand-panel{display:flex;justify-content:center;align-items:center;padding:20px;background:var(--line);min-height:290px}
.brand-panel img{display:block;width:100%;max-width:290px;height:auto}
.skip-link{position:absolute;left:20px;top:-80px;background:var(--navy);color:var(--white);padding:10px 18px;z-index:30}.skip-link:focus{top:10px}
footer a{text-underline-offset:4px}.footer-links{display:flex;gap:22px}
.insights-hero{padding:78px 0 60px;max-width:830px}.insights-hero h1{margin-bottom:22px}.insights-hero .lead{max-width:680px;font-size:20px}
.insights-status{border-top:1px solid var(--gold);border-bottom:1px solid var(--line);padding:42px 0 48px;display:grid;grid-template-columns:1fr 1fr;gap:64px}
.insights-status h2{font-size:32px;max-width:420px;margin-bottom:18px}.insights-status p{color:var(--muted);max-width:520px;margin-bottom:24px}
.status-note{display:inline-block;color:var(--olive);font-size:12px;letter-spacing:.06em;text-transform:uppercase;margin-bottom:20px}
.insights-cta{margin-top:64px;padding:38px;background:var(--navy);color:var(--white);display:flex;gap:36px;align-items:center;justify-content:space-between}.insights-cta h2{color:var(--white);font-size:30px;margin-bottom:10px}.insights-cta p{color:var(--sage);margin:0;max-width:580px}.insights-cta .btn{background:var(--soft-gold);border-color:var(--soft-gold);color:var(--navy);flex-shrink:0}
@media(max-width:1000px){.nav{flex-wrap:wrap;padding-top:16px;padding-bottom:16px;gap:0;min-height:82px}.menu{display:block;background:none;border:1px solid var(--olive);padding:6px 12px;color:var(--ink)}nav{display:none;flex-basis:100%;flex-direction:column;align-items:flex-start;padding-top:22px;gap:18px}nav.open{display:flex}nav .btn{width:100%}}
@media(max-width:700px){.brand{gap:8px}.brand .brand-mark{width:36px;height:36px}.brand .brand-wordmark{width:145px}.insights-hero{padding:48px 0 36px}.insights-hero .lead{font-size:18px}.insights-status{grid-template-columns:1fr;gap:12px;padding:30px 0}.insights-cta{margin-top:40px;padding:28px;flex-direction:column;align-items:flex-start;gap:24px}.brand-panel{min-height:220px}.brand-panel img{max-width:220px}.footer-links{flex-wrap:wrap}}

/* Editorial layout for MorganBlair Insights. */
.insight-feature{display:grid;grid-template-columns:.65fr 1.35fr;gap:64px;border-top:1px solid var(--gold);border-bottom:1px solid var(--line);padding:44px 0 50px}
.insight-feature h2{font-size:36px;margin:12px 0 20px;max-width:680px}.insight-feature p{max-width:660px;color:var(--muted)}.insight-feature .feature-kicker{font:normal 25px/1.3 Georgia,serif;color:var(--olive);max-width:250px}
.article-shell{max-width:1180px;margin:auto;padding:32px 38px 80px}.breadcrumb{font-size:13px;color:var(--muted);margin-bottom:42px}.breadcrumb a{text-underline-offset:4px}.article-heading{max-width:850px;padding-bottom:34px;border-bottom:1px solid var(--line)}.article-heading h1{font-size:clamp(37px,4.5vw,56px);line-height:1.13;letter-spacing:-1.4px;max-width:850px;margin-bottom:24px}.article-heading .lead{font-size:20px;line-height:1.6;max-width:760px;margin-bottom:22px}.article-meta{font-size:13px;color:var(--muted);display:flex;flex-wrap:wrap;gap:8px 20px}.article-layout{display:grid;grid-template-columns:220px minmax(0,740px);gap:62px;padding-top:38px}.article-toc{align-self:start;position:sticky;top:122px;font-size:13px}.article-toc h2{font:600 12px/1.4 Arial,sans-serif;text-transform:uppercase;letter-spacing:1.2px;margin-bottom:18px}.article-toc a{display:block;text-decoration:none;color:var(--muted);padding:8px 0;line-height:1.5}.article-toc a:hover{color:var(--olive);text-decoration:underline}.article-body{font-size:18px;line-height:1.8;min-width:0}.article-body p{margin-bottom:22px}.article-body h2{font:normal 31px/1.25 Georgia,serif;letter-spacing:-.5px;margin:40px 0 20px;scroll-margin-top:125px}.article-body h2:first-child{margin-top:0}.article-questions{padding-left:26px;margin:26px 0 34px}.article-questions li{padding-left:6px;margin-bottom:20px}.article-questions strong{font-weight:600}.article-body a{color:var(--teal);text-underline-offset:4px;overflow-wrap:anywhere}.article-body .ref{font-size:12px;vertical-align:super;margin-left:3px}.article-sources{border-top:1px solid var(--line);margin-top:42px;padding-top:24px;font-size:13px;line-height:1.7;color:var(--muted)}.article-sources h2{font:600 15px/1.4 Arial,sans-serif;margin:0 0 18px;letter-spacing:0}.article-sources p{margin-bottom:15px}.article-question{font:normal 25px/1.5 Georgia,serif;color:var(--olive);margin-top:32px}.article-service{padding-top:24px;border-top:1px solid var(--line);font-size:16px}.article-service .btn{color:var(--white);margin-top:8px}.article-body .article-back{font-size:14px;margin-top:30px}.home-insight{border-top:1px solid var(--line)}.home-insight h2{max-width:650px;margin-bottom:20px}.home-insight p{max-width:680px;color:var(--muted)}
@media(max-width:900px){.article-layout{grid-template-columns:1fr;gap:28px}.article-toc{position:static;border-bottom:1px solid var(--line);padding-bottom:20px}.article-toc a{padding:5px 0}.article-body{max-width:740px}}
@media(max-width:700px){.insight-feature{grid-template-columns:1fr;gap:8px;padding:30px 0 36px}.insight-feature .feature-kicker{max-width:none}.insight-feature h2{font-size:30px}.article-shell{padding:24px 23px 55px}.breadcrumb{margin-bottom:30px}.article-heading{padding-bottom:26px}.article-heading .lead{font-size:18px}.article-body{font-size:17px;line-height:1.8}.article-body h2{font-size:28px;margin-top:32px}.article-layout{padding-top:26px}.article-question{font-size:23px}}

/* Clear service examples and a balanced final row. */
.service-deliverables{margin:0 0 18px;padding-left:19px}.service-deliverables li{margin-bottom:14px}.service .more a{text-underline-offset:4px}.service-wide{grid-column:1/-1}.service-wide>p,.service-wide>.more{max-width:820px}.scope{flex-wrap:wrap;align-items:center}

/* Across the State Line editorial series. */
.state-line{padding-top:68px;scroll-margin-top:120px}.series-heading{max-width:780px;margin-bottom:32px}.series-heading h2{font-size:clamp(34px,4vw,48px);margin:12px 0 20px}.series-heading .lead{font-size:22px;color:var(--olive);margin-bottom:14px}.series-heading>p:last-child{color:var(--muted);max-width:650px}.series-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:0 44px}.series-card{border-top:1px solid var(--gold);padding:30px 0 36px;display:flex;flex-direction:column;min-width:0}.series-card h3{font:normal 29px/1.25 Georgia,serif;margin:12px 0 18px;letter-spacing:-.4px}.series-card h3 a{text-decoration:none}.series-card h3 a:hover{text-decoration:underline;text-underline-offset:4px}.series-card>p:not(.eyebrow){color:var(--muted);margin-bottom:22px}.series-read{margin-top:auto;font-size:14px;font-weight:600;color:var(--olive);text-underline-offset:5px}.article-service h2{margin-top:12px}.article-body .article-sources p{overflow-wrap:anywhere}
@media(max-width:700px){.state-line{padding-top:44px}.series-grid{grid-template-columns:1fr}.series-card{padding:25px 0 30px}.series-card h3{font-size:27px}.series-heading .lead{font-size:20px}}

.editorial-list{padding-left:25px;margin:20px 0 26px}.editorial-list li{padding-left:4px;margin-bottom:10px}.series-soon{margin-top:auto;font-size:13px;letter-spacing:.6px;font-weight:600;color:var(--muted)}

/* MORGANBLAIR advisory brand lockup. */
.brand-lockup{display:flex;flex-direction:column;gap:7px;color:var(--olive);line-height:1.2}.brand-name{font:normal 24px/1 Georgia,serif;letter-spacing:1.2px}.brand-descriptor{font:10px/1.4 Arial,sans-serif;letter-spacing:.25px;white-space:nowrap}.footer-brand{font-weight:600;letter-spacing:1px}.footer-brand small{display:block;font:12px/1.5 Arial,sans-serif;letter-spacing:0;margin-top:6px}
@media(max-width:700px){.brand-name{font-size:20px;letter-spacing:.8px}.brand-descriptor{font-size:9px;letter-spacing:0}.brand-lockup{gap:5px}}