*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
  :root {
    --green-dark: #1B4332;
    --green-mid: #2D6A4F;
    --green-sage: #52796F;
    --cream: #F8F5EF;
    --cream-dark: #EDE9E0;
    --gold: #C9A84C;
    --text: #1A1A1A;
    --text-light: #5A5A5A;
    --white: #FFFFFF;
  }
  html { scroll-behavior: smooth; }
  body { font-family: "Inter", sans-serif; background: var(--cream); color: var(--text); font-size: 16px; line-height: 1.6; }

  nav {
    position: fixed; top: 0; left: 0; right: 0; z-index: 100;
    background: var(--cream); border-bottom: 1px solid var(--cream-dark);
    padding: 0 56px; height: 80px;
    display: flex; align-items: center; justify-content: space-between;
  }
  .nav-logo { display: flex; flex-direction: column; line-height: 1; text-decoration: none; }
  .nav-logo-pace { font-family: "Playfair Display", serif; font-size: 24px; font-weight: 700; color: var(--green-dark); letter-spacing: -0.5px; }
  .nav-logo-rule { height: 1px; background: var(--gold); margin: 3px 0; }
  .nav-logo-financial { font-size: 9px; font-weight: 500; letter-spacing: 3px; text-transform: uppercase; color: var(--green-sage); }
  .nav-links { display: flex; align-items: center; gap: 40px; list-style: none; }
  .nav-links a { font-size: 13px; font-weight: 500; color: var(--text-light); text-decoration: none; transition: color 0.2s; }
  .nav-links a:hover { color: var(--green-dark); }
  .nav-cta { background: var(--green-dark) !important; color: var(--white) !important; padding: 10px 24px; border-radius: 3px; }
  .nav-toggle {
    display: none; background: none; border: none; font-size: 26px; line-height: 1;
    cursor: pointer; color: var(--green-dark); padding: 8px;
  }

  /* PAGE HERO */
  .page-hero {
    padding-top: 80px;
    background: var(--green-dark);
    min-height: 52vh;
    display: flex;
    align-items: center;
  }
  .page-hero-inner {
    max-width: 900px;
    margin: 0 auto;
    padding: 80px 56px;
  }
  .eyebrow { display: flex; align-items: center; gap: 12px; margin-bottom: 32px; }
  .eyebrow-line { width: 40px; height: 1px; background: var(--gold); }
  .eyebrow-text { font-size: 11px; font-weight: 600; letter-spacing: 2.5px; text-transform: uppercase; color: var(--gold); }
  .page-headline {
    font-family: "Playfair Display", serif;
    font-size: clamp(38px, 5vw, 64px);
    font-weight: 700; line-height: 1.1;
    color: var(--white); letter-spacing: -1px;
  }
  .page-headline em { font-style: italic; color: var(--gold); }

  /* CONTENT */
  .content { padding: 96px 56px; }
  .content-inner { max-width: 1300px; margin: 0 auto; }

  .content-grid {
    display: grid;
    grid-template-columns: 1fr 2.2fr;
    gap: 96px;
    align-items: start;
  }

  .content-sidebar { position: sticky; top: 100px; }
  .sidebar-label { font-size: 11px; font-weight: 600; letter-spacing: 2.5px; text-transform: uppercase; color: var(--gold); margin-bottom: 16px; display: flex; align-items: center; gap: 10px; }
  .sidebar-label::before { content: ""; width: 28px; height: 1px; background: var(--gold); display: block; }
  .sidebar-title { font-family: "Playfair Display", serif; font-size: 24px; font-weight: 700; color: var(--green-dark); line-height: 1.3; margin-bottom: 20px; }
  .sidebar-links { list-style: none; margin-top: 28px; }
  .sidebar-links li { border-bottom: 1px solid var(--cream-dark); }
  .sidebar-links a { display: block; padding: 12px 0; font-size: 13px; color: var(--text-light); text-decoration: none; font-weight: 400; transition: color 0.2s; }
  .sidebar-links a:hover { color: var(--green-dark); }
  .sidebar-cta { background: var(--green-dark); color: var(--white); padding: 14px 24px; border-radius: 3px; font-size: 13px; font-weight: 500; text-decoration: none; display: inline-block; margin-top: 28px; transition: background 0.2s; }
  .sidebar-cta:hover { background: var(--green-mid); }

  .content-body {}
  .content-section { margin-bottom: 56px; padding-bottom: 56px; border-bottom: 1px solid var(--cream-dark); }
  .content-section:last-child { border-bottom: none; margin-bottom: 0; padding-bottom: 0; }
  .content-section h2 {
    font-family: "Playfair Display", serif;
    font-size: clamp(22px, 2.2vw, 28px);
    font-weight: 700; color: var(--green-dark);
    line-height: 1.25; margin-bottom: 20px; letter-spacing: -0.3px;
  }
  .content-section p { font-size: 17px; color: var(--text-light); line-height: 1.85; font-weight: 300; margin-bottom: 18px; }
  .content-section p:last-child { margin-bottom: 0; }
  .content-section ul { margin: 0 0 18px 20px; }
  .content-section li { font-size: 17px; color: var(--text-light); line-height: 1.85; font-weight: 300; margin-bottom: 10px; }

  .callout {
    background: var(--cream-dark);
    border-left: 3px solid var(--gold);
    padding: 24px 28px;
    margin: 28px 0;
    border-radius: 0 3px 3px 0;
  }
  .callout p { font-size: 16px; color: var(--text); font-weight: 400; line-height: 1.7; margin-bottom: 0 !important; }

  .dark-callout {
    background: var(--green-dark);
    padding: 32px;
    border-radius: 3px;
    margin: 28px 0;
  }
  .dark-callout p {
    font-family: "Playfair Display", serif;
    font-size: 18px; font-style: italic;
    color: var(--white); line-height: 1.6;
    margin-bottom: 0 !important;
  }

  .inline-link { color: var(--green-dark); font-weight: 500; text-decoration: none; border-bottom: 1px solid var(--green-sage); padding-bottom: 1px; }
  .inline-link:hover { opacity: 0.7; }

  /* QUOTE */
  .quote-section { background: var(--green-dark); padding: 96px 56px; }
  .quote-inner { max-width: 860px; margin: 0 auto; text-align: center; }
  .quote-mark { font-family: "Playfair Display", serif; font-size: 120px; line-height: 0.5; color: var(--gold); opacity: 0.35; display: block; margin-bottom: 40px; }
  .quote-text { font-family: "Playfair Display", serif; font-size: clamp(20px, 2.5vw, 32px); font-weight: 400; font-style: italic; color: var(--white); line-height: 1.55; margin-bottom: 32px; }
  .quote-rule { width: 48px; height: 1px; background: var(--gold); margin: 0 auto 20px; }
  .quote-attr { font-size: 11px; font-weight: 600; color: var(--gold); letter-spacing: 2.5px; text-transform: uppercase; }

  /* CTA */
  .cta-section { background: var(--cream-dark); padding: 96px 56px; text-align: center; }
  .cta-inner { max-width: 560px; margin: 0 auto; }
  .cta-title { font-family: "Playfair Display", serif; font-size: clamp(26px, 2.8vw, 38px); font-weight: 700; color: var(--green-dark); line-height: 1.2; margin-bottom: 20px; letter-spacing: -0.3px; }
  .cta-sub { font-size: 17px; color: var(--text-light); font-weight: 300; line-height: 1.75; margin-bottom: 40px; }
  .btn-gold { background: var(--gold); color: var(--green-dark); padding: 16px 44px; border-radius: 3px; font-size: 14px; font-weight: 600; text-decoration: none; display: inline-block; transition: opacity 0.2s; }
  .btn-gold:hover { opacity: 0.88; }

  /* FOOTER */
  footer { background: #0F1F18; padding: 60px 56px; }
  .footer-inner { max-width: 1300px; margin: 0 auto; display: grid; grid-template-columns: 1fr 2fr; gap: 80px; padding-bottom: 40px; border-bottom: 1px solid rgba(255,255,255,0.07); margin-bottom: 32px; }
  .footer-logo-pace { font-family: "Playfair Display", serif; font-size: 22px; font-weight: 700; color: var(--white); }
  .footer-logo-rule { height: 1px; background: var(--gold); margin: 4px 0; }
  .footer-logo-financial { font-size: 9px; font-weight: 500; letter-spacing: 3px; text-transform: uppercase; color: rgba(255,255,255,0.35); }
  .footer-tagline { margin-top: 20px; font-size: 13px; color: rgba(255,255,255,0.35); line-height: 1.7; font-weight: 300; }
  .footer-nav { display: grid; grid-template-columns: repeat(3, 1fr); gap: 40px; }
  .footer-nav-label { font-size: 10px; font-weight: 600; letter-spacing: 2px; text-transform: uppercase; color: var(--gold); margin-bottom: 16px; }
  .footer-nav-links { list-style: none; display: flex; flex-direction: column; gap: 10px; }
  .footer-nav-links a { font-size: 13px; color: rgba(255,255,255,0.45); text-decoration: none; font-weight: 300; transition: color 0.2s; }
  .footer-nav-links a:hover { color: var(--white); }
  .footer-bottom { max-width: 1300px; margin: 0 auto; font-size: 11px; color: rgba(255,255,255,0.22); line-height: 1.7; }

  .nav-dropdown { position: relative; }
  .nav-dropdown > a { display: inline-flex; align-items: center; gap: 5px; }
  .nav-caret { font-size: 9px; transition: transform 0.2s; }
  .nav-dropdown:hover .nav-caret, .nav-dropdown:focus-within .nav-caret { transform: rotate(180deg); }
  .nav-dropdown-menu {
    position: absolute; top: calc(100% + 18px); left: 50%; transform: translateX(-50%) translateY(-6px);
    background: #FFFFFF; border: 1px solid var(--cream-dark); border-radius: 6px;
    box-shadow: 0 12px 32px rgba(0,0,0,0.14);
    list-style: none; min-width: 235px; padding: 8px; opacity: 0; visibility: hidden;
    transition: opacity 0.18s, transform 0.18s, visibility 0.18s;
    z-index: 300;
  }
  .nav-dropdown:hover .nav-dropdown-menu, .nav-dropdown:focus-within .nav-dropdown-menu {
    opacity: 1; visibility: visible; transform: translateX(-50%) translateY(0);
  }
  .nav-dropdown-menu li a { display: block; padding: 10px 14px; border-radius: 4px; font-size: 13px; color: var(--text-light) !important; font-weight: 500 !important; }
  .nav-dropdown-menu li a:hover { background: var(--cream); color: var(--green-dark) !important; }
  .nav-dropdown-viewall { border-top: 1px solid var(--cream-dark); margin-top: 6px; padding-top: 6px; }
  .nav-dropdown-viewall a { color: var(--gold) !important; font-weight: 600 !important; }

  .photo-break {
    width: 100%;
    height: 400px;
    object-fit: cover;
    display: block;
    filter: brightness(0.92);
  }
  .photo-break-tall {
    width: 100%;
    height: 480px;
    object-fit: cover;
    object-position: center 30%;
    display: block;
    filter: brightness(0.92);
  }
  .chart-wrapper { background: var(--white); border: 1px solid var(--cream-dark); border-radius: 6px; padding: 36px; margin: 32px 0 40px; }
  .chart-title { font-family: "Playfair Display", serif; font-size: 20px; font-weight: 700; color: var(--green-dark); margin-bottom: 8px; }
  .chart-sub { font-size: 13px; color: var(--text-light); font-weight: 300; margin-bottom: 28px; }
  .chart-results { display: grid; grid-template-columns: repeat(3, 1fr); gap: 2px; background: var(--cream-dark); margin-top: 24px; border-radius: 4px; overflow: hidden; }
  .chart-result-card { background: var(--white); padding: 20px; text-align: center; }
  .chart-result-label { font-size: 11px; font-weight: 600; letter-spacing: 1px; text-transform: uppercase; color: var(--text-light); margin-bottom: 8px; }
  .chart-result-value { font-family: "Playfair Display", serif; font-size: 24px; font-weight: 700; color: var(--green-dark); }

  /* RESPONSIVE */
  @media (max-width: 1024px) {
    nav, .content, .quote-section, .cta-section, footer { padding-left: 32px; padding-right: 32px; }
    .page-hero-inner { padding: 80px 32px; }
    .content-grid { grid-template-columns: 1fr; gap: 48px; }
    .content-sidebar { position: static; }
    .footer-inner { grid-template-columns: 1fr; gap: 48px; }

    /* Nav collapses to a hamburger panel starting here, instead of only
       hiding links at 640px with no way to reopen them. The panel is an
       overlay fixed below the nav bar so it never fights the nav bar's
       own height or overlaps page content beneath it. */
    .nav-toggle { display: block; }
    .nav-links {
      display: none;
      position: fixed;
      top: 80px; left: 0; right: 0;
      max-height: calc(100vh - 80px);
      overflow-y: auto;
      flex-direction: column;
      align-items: stretch;
      gap: 0;
      padding: 8px 0 20px;
      background: var(--cream);
      border-top: 1px solid var(--cream-dark);
      box-shadow: 0 16px 32px rgba(0,0,0,0.12);
      z-index: 150;
    }
    #main-nav.nav-open .nav-links { display: flex; }
    .nav-links > li { width: 100%; border-bottom: 1px solid var(--cream-dark); }
    .nav-links > li > a { display: block; padding: 14px 4px; }
    .nav-dropdown-menu {
      position: static; transform: none; opacity: 1; visibility: visible;
      box-shadow: none; border: none; background: none; min-width: 0;
      padding: 0 0 8px 16px; display: block; transition: none;
    }
    .nav-dropdown-menu li a { padding: 8px 4px; }
    .nav-dropdown-viewall { border-top: none; margin-top: 0; padding-top: 0; }
    .nav-caret { display: none; }
    .nav-cta { display: inline-block; text-align: center; margin: 8px 4px 0; }
  }
  @media (max-width: 640px) {
    nav { padding: 0 20px; }
    .page-hero-inner { padding: 60px 20px; }
    .content, .quote-section, .cta-section { padding: 64px 20px; }
    footer { padding: 48px 20px; }
    .footer-nav { grid-template-columns: 1fr 1fr; }
    .chart-results { grid-template-columns: 1fr; }
    .chart-wrapper { padding: 20px; }
  }