:root {
  --wt-ivory: #f8f5ee;
  --wt-cream: #efe8dc;
  --wt-paper: #fffdf9;
  --wt-brown: #4d3e35;
  --wt-brown-dark: #342a24;
  --wt-clay: #a7654d;
  --wt-sage: #7d8976;
  --wt-turquoise: #4f8d8d;
  --wt-line: rgba(77, 62, 53, .16);
  --wt-shadow: 0 20px 50px rgba(52, 42, 36, .10);
}

html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--wt-brown-dark);
  background: var(--wt-paper);
  font-family: "Helvetica Neue", Arial, sans-serif;
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3, .brand-name, .wt-footer-brand {
  font-family: Georgia, "Times New Roman", serif;
  color: var(--wt-brown-dark);
}

a { color: var(--wt-brown); }
a:hover { color: var(--wt-clay); }

.skip-link {
  position: absolute;
  left: 1rem;
  top: -100px;
  z-index: 9999;
  padding: .75rem 1rem;
  background: #fff;
  color: #000;
  border-radius: .25rem;
}
.skip-link:focus { top: 1rem; }

.wt-navbar {
  background: rgba(255, 253, 249, .97);
  border-bottom: 1px solid var(--wt-line);
  backdrop-filter: blur(10px);
}
.wt-logo { width: 58px; height: 64px; object-fit: contain; }
.brand-copy { display: flex; flex-direction: column; line-height: 1.15; }
.brand-name { font-size: 1.22rem; font-weight: 700; }
.brand-tagline { margin-top: .28rem; color: #7a6b60; font-size: .73rem; letter-spacing: .04em; }
.navbar-nav .nav-link {
  color: #594b42;
  font-size: .92rem;
  padding: .75rem .72rem !important;
}
.navbar-nav .nav-link:hover,
.navbar-nav .nav-link.active { color: var(--wt-clay); }
.wt-nav-btn {
  background: var(--wt-brown);
  color: #fff;
  border-radius: 999px;
  padding: .62rem 1.18rem;
}
.wt-nav-btn:hover { background: var(--wt-clay); color: #fff; }

.wt-hero {
  position: relative;
  overflow: hidden;
  padding: 7.25rem 0 6.5rem;
  background:
    radial-gradient(circle at 85% 24%, rgba(79, 141, 141, .09), transparent 24rem),
    linear-gradient(135deg, var(--wt-ivory), var(--wt-cream));
}

.wt-hero h1 {
  max-width: 850px;
  font-size: clamp(3rem, 6.5vw, 5.65rem);
  line-height: .98;
  letter-spacing: -.035em;
  margin: 0;
}
.wt-hero-subtitle {
  max-width: 780px;
  margin-top: 1.7rem;
  color: #66574d;
  font-size: clamp(1.15rem, 2vw, 1.4rem);
}
.wt-hero-mark {
  width: min(100%, 420px);
  margin-inline: auto;
  aspect-ratio: 1;
  display: grid;
  place-items: center;
  border-radius: 50%;
  background: rgba(255,255,255,.48);
  border: 1px solid rgba(77, 62, 53, .13);
}
.wt-hero-mark img { width: 56%; height: auto; opacity: .94; }

.wt-eyebrow {
  margin-bottom: .75rem;
  color: var(--wt-clay);
  font-size: .78rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: .18em;
}
.wt-section { padding: 6rem 0; }
.wt-section-light { background: var(--wt-paper); }
.wt-section-warm { background: #f1e9de; }
.wt-section-title {
  font-size: clamp(2.35rem, 4.4vw, 4.15rem);
  line-height: 1.08;
  letter-spacing: -.025em;
}
.wt-section-lead {
  max-width: 900px;
  margin: 1.1rem auto 0;
  color: #66584e;
  font-size: 1.15rem;
}

.wt-pillar-card {
  padding: 2.1rem;
  background: #fff;
  border: 1px solid var(--wt-line);
  border-radius: 1.25rem;
  box-shadow: 0 8px 30px rgba(52, 42, 36, .045);
}
.wt-pillar-number {
  display: inline-block;
  margin-bottom: 1.8rem;
  color: var(--wt-turquoise);
  font-family: Georgia, serif;
  font-size: 1rem;
}
.wt-pillar-card h3 { font-size: 2rem; }
.wt-pillar-card p { margin-bottom: 0; color: #6b5c52; }

.wt-portrait-wrap {
  max-width: 390px;
  margin: 0 auto;
  padding: 14px;
  border-radius: 2rem;
  background: rgba(255,255,255,.6);
  box-shadow: var(--wt-shadow);
}
.wt-portrait { width: 100%; height: auto; border-radius: 1.45rem; display: block; }
.wt-role {
  color: var(--wt-turquoise);
  font-weight: 700;
  letter-spacing: .02em;
}
.wt-quote {
  padding-left: 1.35rem;
  border-left: 3px solid var(--wt-turquoise);
  color: #56483f;
  font-family: Georgia, serif;
  font-size: 1.25rem;
  line-height: 1.65;
}

.wt-feature-card {
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  padding: 2.5rem;
  background: #f6f1e8;
  border-radius: 1.5rem;
  border: 1px solid rgba(77, 62, 53, .09);
}
.wt-feature-card h3 { font-size: clamp(2rem, 3vw, 2.75rem); line-height: 1.12; }
.wt-feature-card p { color: #66584e; }
.wt-kicker {
  margin-bottom: .7rem;
  color: var(--wt-clay) !important;
  font-weight: 800;
  font-size: .78rem;
  letter-spacing: .14em;
  text-transform: uppercase;
}
.wt-text-link { font-weight: 800; text-decoration: none; }
.wt-text-link span { transition: transform .2s ease; display: inline-block; }
.wt-text-link:hover span { transform: translateX(4px); }

.wt-testimonial-section {
  background: #5a4a40;
  color: #fff;
}
.wt-testimonial-section .wt-eyebrow { color: #dbc6b3; }
.wt-testimonial {
  margin: 1rem 0;
  color: #fff;
  font-family: Georgia, serif;
  font-size: clamp(2.4rem, 5vw, 4.6rem);
  line-height: 1.08;
}
.wt-testimonial-note { color: #eadfd6; font-size: 1.08rem; }

.wt-insurance-card {
  padding: 2.25rem 2.5rem;
  border-radius: 1.5rem;
  background: #eef2ed;
  border: 1px solid rgba(125,137,118,.22);
}

.wt-btn {
  border-radius: 999px;
  padding: .78rem 1.4rem;
  font-weight: 800;
  border-width: 1px;
}
.wt-btn-primary { background: var(--wt-brown); color: #fff; border-color: var(--wt-brown); }
.wt-btn-primary:hover { background: var(--wt-clay); color: #fff; border-color: var(--wt-clay); }
.wt-btn-secondary { background: transparent; color: var(--wt-brown); border-color: var(--wt-brown); }
.wt-btn-secondary:hover { background: var(--wt-brown); color: #fff; }

.wt-cta { padding: 6.5rem 0; background: var(--wt-brown-dark); color: #fff; }
.wt-cta h2 { color: #fff; font-size: clamp(2.7rem, 5vw, 4.7rem); }
.wt-cta-copy { color: #e4d9d1; font-size: 1.15rem; }
.wt-eyebrow-light { color: #dbc6b3; }
.wt-contact-lines { display: flex; justify-content: center; flex-wrap: wrap; gap: .7rem; margin-top: 1.35rem; font-size: 1.08rem; }
.wt-contact-lines a { color: #fff; text-decoration: none; font-weight: 700; }
.wt-contact-lines a:hover { color: #dbc6b3; }
.wt-btn-light { background: #fff; border-color: #fff; color: var(--wt-brown-dark); }
.wt-btn-light:hover { background: #f0e7df; border-color: #f0e7df; color: var(--wt-brown-dark); }
.wt-btn-outline-light { border-color: rgba(255,255,255,.75); color: #fff; }
.wt-btn-outline-light:hover { background: #fff; color: var(--wt-brown-dark); }

.wt-footer { padding: 4.5rem 0 2rem; background: #eee7dd; color: #5f5147; }
.wt-footer-logo { width: 62px; height: 68px; object-fit: contain; }
.wt-footer-brand { font-size: 1.4rem; font-weight: 700; }
.wt-footer-tagline { font-size: .8rem; color: #7b6b60; }
.wt-footer-heading { font-family: "Helvetica Neue", Arial, sans-serif; font-size: .76rem; font-weight: 900; text-transform: uppercase; letter-spacing: .14em; }
.wt-footer a { color: #564940; text-decoration: none; }
.wt-footer a:hover { color: var(--wt-clay); }
.wt-footer hr { margin: 3rem 0 1.5rem; border-color: rgba(77,62,53,.18); }

@media (max-width: 1199.98px) {
  .wt-navbar .navbar-collapse { padding: 1rem 0 1.25rem; }
  .wt-nav-btn { display: inline-block; margin-top: .45rem; }
}
@media (max-width: 991.98px) {
  .wt-hero { padding: 5.5rem 0 4.5rem; }
  .wt-hero-mark { max-width: 300px; }
  .wt-section { padding: 4.5rem 0; }
}
@media (max-width: 575.98px) {
  .brand-tagline { display: none; }
  .wt-logo { width: 48px; height: 52px; }
  .brand-name { font-size: 1.05rem; }
  .wt-hero { padding: 4.2rem 0 3.8rem; }
  .wt-feature-card, .wt-pillar-card, .wt-insurance-card { padding: 1.6rem; }
  .wt-contact-lines { flex-direction: column; gap: .15rem; }
  .wt-contact-lines span { display: none; }
}


/* Interior pages */
.wt-page-hero {
  padding: 5.25rem 0 4.5rem;
  background:
    radial-gradient(circle at 88% 16%, rgba(79,141,141,.10), transparent 22rem),
    linear-gradient(135deg, var(--wt-ivory), var(--wt-cream));
  border-bottom: 1px solid var(--wt-line);
}
.wt-page-hero h1 {
  margin: 0;
  font-size: clamp(2.8rem, 5.5vw, 5rem);
  line-height: 1.02;
  letter-spacing: -.035em;
}
.wt-page-hero .lead { max-width: 820px; margin-top: 1.25rem; color: #66574d; font-size: 1.2rem; }
.wt-page-section { padding: 5rem 0; }
.wt-page-section + .wt-page-section { border-top: 1px solid rgba(77,62,53,.07); }
.wt-prose { max-width: 850px; }
.wt-prose p { margin-bottom: 1.25rem; }
.wt-prose h2 { margin: 2.5rem 0 1rem; font-size: clamp(2rem, 4vw, 3.1rem); }
.wt-prose h3 { margin: 2rem 0 .8rem; font-size: 1.7rem; }
.wt-soft-card {
  height: 100%;
  padding: 2rem;
  background: #f6f1e8;
  border: 1px solid var(--wt-line);
  border-radius: 1.25rem;
}
.wt-soft-card h2, .wt-soft-card h3 { margin-top: 0; }
.wt-check-list { list-style: none; padding: 0; margin: 1.5rem 0 0; }
.wt-check-list li { position: relative; padding: .65rem 0 .65rem 1.8rem; border-bottom: 1px solid rgba(77,62,53,.09); }
.wt-check-list li:last-child { border-bottom: 0; }
.wt-check-list li::before { content: "•"; position: absolute; left: .4rem; color: var(--wt-turquoise); font-weight: 900; }
.wt-transition-card { height: 100%; padding: 1.8rem; background:#fff; border:1px solid var(--wt-line); border-radius:1.2rem; box-shadow:0 8px 28px rgba(52,42,36,.04); }
.wt-transition-card .wt-pillar-number { margin-bottom: .8rem; }
.wt-transition-card h3 { font-size: 1.45rem; }
.wt-review-card { padding: 2rem 2.2rem; background:#fff; border:1px solid var(--wt-line); border-radius:1.3rem; box-shadow:0 10px 32px rgba(52,42,36,.05); }
.wt-review-card blockquote { margin:0; font-family:Georgia,serif; font-size:1.15rem; line-height:1.8; color:#55483f; }
.wt-review-card .wt-attribution { margin-top:1rem; font-weight:700; color:var(--wt-turquoise); }
.wt-policy { padding: 1.5rem 0; border-bottom: 1px solid var(--wt-line); }
.wt-policy:last-child { border-bottom:0; }
.wt-fee { font-family: Georgia, serif; font-size: 2.2rem; color: var(--wt-brown-dark); }
.wt-insurance-list { columns: 2; column-gap: 2.5rem; padding-left: 1.2rem; }
.wt-insurance-list li { break-inside: avoid; margin-bottom: .45rem; }
.wt-contact-card { padding: 2rem; border-radius: 1.25rem; background:#eef2ed; border:1px solid rgba(125,137,118,.24); }
.wt-contact-card a { text-decoration:none; font-weight:800; }
.accordion.wt-accordion { --bs-accordion-border-color: var(--wt-line); --bs-accordion-btn-focus-box-shadow: none; }
.wt-accordion .accordion-item { margin-bottom: 1rem; border:1px solid var(--wt-line); border-radius:1rem !important; overflow:hidden; }
.wt-accordion .accordion-button { font-weight:800; color:var(--wt-brown-dark); background:#fff; padding:1.25rem 1.4rem; }
.wt-accordion .accordion-button:not(.collapsed) { background:#f6f1e8; color:var(--wt-brown-dark); }
.wt-accordion .accordion-body { padding:1.4rem; }
.wt-social-btns { display:flex; flex-wrap:wrap; gap:.75rem; }
@media (max-width: 767.98px) {
  .wt-page-hero { padding: 4rem 0 3.5rem; }
  .wt-page-section { padding: 3.75rem 0; }
  .wt-insurance-list { columns: 1; }
}