@media(max-width:1120px){
  .header-shell{min-height:70px;padding:9px 22px}
  .menu-toggle{display:block}
  .site-nav{position:fixed;inset:70px 0 auto;max-height:calc(100vh - 70px);overflow:auto;display:none;border-top:0;background:#f5f9f9;box-shadow:0 24px 55px -38px rgba(5,39,51,.7)}
  .site-nav.is-open{display:block}
  .nav-inner{max-width:760px;padding:20px 22px 28px;display:grid;grid-template-columns:1fr 1fr;align-items:stretch;gap:5px}
  .site-nav a{padding:13px 14px;font-size:.9rem}
  .site-nav .nav-quote{margin:8px 0 0;grid-column:1/-1;text-align:center}
  .page-hero{min-height:560px;grid-template-columns:1fr 1fr;gap:42px;padding-top:60px}
  .hero-media,.hero-art{height:470px}
  .steps-grid{grid-template-columns:1fr 1fr}
  .pathways{grid-template-columns:1fr}
  .four-up{grid-template-columns:1fr 1fr}
  .footer-grid{grid-template-columns:1.4fr 1fr 1fr}
  .footer-grid>div:last-child{grid-column:2/-1}
}
@media(max-width:820px){
  body{padding-bottom:62px}
  h1{font-size:clamp(2.8rem,11vw,5rem)}
  .brand img{width:185px}
  .header-phone{display:none}
  .page-hero{min-height:0;padding:48px 20px 58px;grid-template-columns:1fr;gap:35px}
  .hero-copy{max-width:none}
  .hero-media,.hero-art{height:430px}
  .hero-art>div{left:32px;right:32px}
  .breadcrumb{padding:18px 20px 0}
  .section,.section-tint,.education-band{padding:72px 20px}
  .trust-row{padding:0 20px 55px;grid-template-columns:1fr}
  .trust-row div:first-child{border-radius:var(--radius-md) var(--radius-md) 0 0}
  .trust-row div:last-child{border-radius:0 0 var(--radius-md) var(--radius-md)}
  .split-intro,.advisor-feature,.image-split,.image-split.reverse,.decision-band,.prepare-grid,.about-layout,.faq-layout,.quote-layout{grid-template-columns:1fr;gap:44px}
  .coverage-grid{grid-template-columns:1fr}
  .coverage-card.large{grid-row:auto;min-height:360px}
  .image-card{min-height:330px}
  .steps-grid{grid-template-columns:1fr 1fr}
  .advisor-monogram{min-height:390px}
  .feature-list>div{grid-template-columns:1fr;gap:7px}
  .comparison-list,.detail-grid{grid-template-columns:1fr 1fr}
  .final-cta{margin:50px 12px;padding:45px 30px;display:block}
  .final-cta .button-row{margin-top:28px}
  .image-split figure{height:390px}
  .link-panels{grid-template-columns:1fr}
  .timeline li{grid-template-columns:72px 1fr;gap:24px}
  .faq-intro,.quote-aside{position:static}
  .contact-layout{grid-template-columns:1fr}
  .contact-card.featured{grid-column:auto}
  .portrait-card{min-height:470px}
  .footer-grid{grid-template-columns:1fr 1fr}
  .footer-brand{grid-column:1/-1}
  .footer-grid>div:last-child{grid-column:auto}
  .mobile-actions{position:fixed;z-index:99;left:0;right:0;bottom:0;padding:8px;display:grid;grid-template-columns:1fr 1.5fr;gap:8px;border-top:1px solid var(--line);background:rgba(255,255,255,.96);backdrop-filter:blur(12px)}
  .mobile-actions a{padding:10px;border-radius:10px;text-align:center;text-decoration:none;font-size:.82rem;font-weight:800}
  .mobile-actions a:last-child{background:var(--navy);color:#fff}
}
@media(max-width:560px){
  .header-shell{padding-inline:14px}
  .brand img{width:166px}
  .nav-inner{grid-template-columns:1fr;padding-inline:14px}
  .site-nav .nav-quote{grid-column:auto}
  .hero-media,.hero-art{height:370px;border-radius:27px}
  .home-hero img{object-position:58% center}
  .family-hero img{object-position:55% center}
  .business-hero img{object-position:56% center}
  .hero-art:before{inset:20px}
  .hero-art>div{left:24px;right:24px;padding:25px}
  .button-row{align-items:stretch}
  .button-row .button{width:100%}
  .section,.section-tint,.education-band{padding:62px 18px}
  .coverage-card,.coverage-card.large{min-height:300px;padding:27px}
  .image-card{padding:0;min-height:440px;justify-content:flex-end}
  .image-card img{width:100%;height:48%;top:0}
  .image-card:after{background:linear-gradient(180deg,transparent 28%,#fff 50%)}
  .image-card div{width:100%;margin:0;padding:28px}
  .image-card div>span{margin-bottom:18px}
  .steps-grid,.comparison-list,.detail-grid,.four-up{grid-template-columns:1fr}
  .steps-grid li{min-height:230px}
  .advisor-monogram{min-height:330px}
  .advisor-monogram span{width:145px;height:145px;font-size:2.7rem}
  .link-panels a{display:block}
  .link-panels span{display:block;margin-top:8px}
  .image-split figure{height:330px}
  .notice-section{grid-template-columns:1fr;gap:12px}
  .timeline li{grid-template-columns:1fr}
  .timeline li>span{width:54px;height:54px}
  .checklist{columns:1}
  .portrait-card{min-height:400px}
  .portrait-initials{width:150px;height:150px;font-size:2.8rem}
  .quote-form{padding:27px 18px;border-radius:24px}
  .form-grid{grid-template-columns:1fr}
  .form-wide{grid-column:auto}
  .contact-card{min-height:280px;padding:28px}
  .legal-hero{padding:70px 18px 35px}
  .legal-page{padding:10px 18px 80px}
  .thank-you{padding:70px 18px}
  .site-footer{padding:60px 18px 28px}
  .footer-grid{grid-template-columns:1fr;gap:36px}
  .footer-brand,.footer-grid>div:last-child{grid-column:auto}
}