:root{--forest:#242424;--ink:#242424;--cream:#faf9f6;--gold:#87601a;--line:#dedbd4;--muted:#5e5b54;--pale:#f3eddf}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--cream);color:var(--ink);font:16px/1.65 'Segoe UI',Arial,sans-serif}a{color:inherit;text-decoration:none}button,input,select{font:inherit}button,a,input,select,summary{-webkit-tap-highlight-color:transparent}a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,summary:focus-visible{outline:3px solid #bc7331;outline-offset:5px}button{cursor:pointer}.review-bar{background:var(--forest);color:#fff;padding:9px 5%;font-size:10px;letter-spacing:1.5px;display:flex;justify-content:space-between;gap:16px}.review-bar a{white-space:nowrap;text-decoration:underline;text-underline-offset:4px}header{max-width:1400px;margin:auto;padding:25px 5%;display:flex;align-items:center;justify-content:space-between;gap:25px}.brand{display:flex;align-items:center;gap:12px;font-size:21px;line-height:1.15;letter-spacing:2px;font-weight:650}.brand small{display:block;font-size:10px;letter-spacing:5px;margin-top:7px}.brand svg{width:43px;fill:none;stroke:var(--forest);stroke-width:2.3;stroke-linejoin:round}nav{display:flex;align-items:center;gap:30px;font-size:14px}nav a:hover{color:var(--gold)}.nav-cta{border:1px solid var(--forest);padding:10px 22px;border-radius:3px}.menu{display:none}.wrap{max-width:1260px;margin:auto;padding:0 5%}.hero{padding:62px 0 65px;display:grid;grid-template-columns:1.12fr 1fr;gap:65px;align-items:center}.eyebrow{text-transform:uppercase;letter-spacing:2px;font-size:11px;font-weight:700;color:var(--gold);margin:0 0 18px}h1,h2,h3,p{margin-top:0}h1,h2{font-family:Georgia,'Times New Roman',serif;font-weight:400;letter-spacing:-1.8px;line-height:1.06}h1{font-size:clamp(44px,5.3vw,74px);margin-bottom:24px}h1 em,h2 em{font-weight:400;color:var(--gold)}h2{font-size:clamp(33px,3.4vw,46px);margin-bottom:20px}h3{font-size:21px;font-weight:550;line-height:1.3;margin-bottom:15px}.lead{color:var(--muted);font-size:18px;max-width:520px;line-height:1.75;margin-bottom:28px}.actions{display:flex;gap:15px;align-items:center;flex-wrap:wrap}.btn{display:inline-flex;align-items:center;justify-content:center;gap:25px;padding:15px 24px;background:var(--forest);color:white;border:1px solid var(--forest);border-radius:3px;font-weight:600;font-size:14px}.btn:hover{background:#3b3b3b}.btn.light{background:var(--cream);color:var(--forest)}.text-link{font-size:14px;border-bottom:1px solid #aab8ac;padding-bottom:3px}.micro{font-size:12px;color:var(--muted);margin:15px 0 0}.hero-art{background:#ebe7dd;border-radius:180px 180px 8px 8px;position:relative;min-height:480px;display:flex;align-items:center;overflow:hidden}.hero-art svg{width:100%;display:block}.art-caption{position:absolute;bottom:23px;left:25px;right:25px;background:var(--cream);padding:19px 23px;border-radius:4px;display:flex;align-items:center;justify-content:space-between;font-size:13px;box-shadow:0 8px 25px #183a3010}.art-caption strong{display:block;font-family:Georgia,serif;font-size:22px;font-weight:400}.stamp{height:42px;width:42px;border-radius:50%;border:1px solid #b6c3b4;display:grid;place-items:center;font-size:21px}.trust-strip{display:flex;justify-content:space-between;gap:20px;border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:23px 0;font-size:13px}.trust-strip span:before{content:'✳';color:var(--gold);margin-right:12px}.section{padding:78px 0}.section-heading{display:flex;justify-content:space-between;align-items:flex-end;gap:30px;margin-bottom:32px}.section-heading h2{max-width:520px;margin-bottom:0}.section-heading p{max-width:340px;color:var(--muted);font-size:14px;margin-bottom:4px}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.card{border:1px solid var(--line);padding:29px;border-radius:4px;background:#ffffff45;display:flex;flex-direction:column;align-items:flex-start}.card .number{font-size:11px;letter-spacing:2px;color:var(--gold);margin-bottom:33px}.card p{color:var(--muted);font-size:14px}.card .text-link{margin-top:auto}.dark{background:var(--forest);color:var(--cream);padding:65px;border-radius:5px;display:grid;grid-template-columns:1fr 1fr;gap:70px}.dark .eyebrow{color:#e8b951}.dark p{color:#e9e5db}.dark h2{margin-bottom:28px}.steps{list-style:none;margin:0;padding:0;display:grid;gap:26px}.steps li{display:grid;grid-template-columns:33px 1fr;gap:15px}.steps .num{font-size:11px;color:#e8b951;padding-top:5px}.steps h3{font-size:18px;margin-bottom:7px}.steps p{font-size:14px;margin:0}.products{display:grid;grid-template-columns:repeat(4,1fr);border-left:1px solid var(--line);border-top:1px solid var(--line)}.product{padding:23px;border-right:1px solid var(--line);border-bottom:1px solid var(--line);font-size:14px}.product span{display:block;font-size:12px;color:var(--muted);margin-top:7px}.product:hover{background:var(--pale)}.offer{background:#f3e6c8;padding:35px 40px;display:flex;justify-content:space-between;align-items:center;gap:28px;border-radius:4px}.offer h3{font-family:Georgia,serif;font-size:29px;font-weight:400;margin-bottom:8px}.offer p{font-size:14px;margin:0;color:var(--muted)}.offer .btn{flex-shrink:0}.faq{max-width:820px;margin:auto}.faq h2{text-align:center;margin-bottom:35px}details{border-bottom:1px solid var(--line);padding:20px 0}summary{cursor:pointer;font-size:17px;font-weight:550}details p{color:var(--muted);font-size:15px;margin:15px 0 0}.close-cta{text-align:center;padding:65px 20px 80px}.close-cta h2{margin-bottom:25px}footer{background:#efede8;padding:40px max(5%,calc((100% - 1134px)/2));font-size:12px;color:var(--muted)}.footer-top{display:flex;justify-content:space-between;gap:20px;margin-bottom:25px;align-items:center}.footer-brand{letter-spacing:2px;font-weight:700;font-size:15px;color:var(--forest)}.footer-top p{margin:5px 0}.footer-top a{font-size:15px;color:var(--forest)}.fine{font-size:11px;max-width:900px}.footer-bottom{border-top:1px solid #cbd3c9;padding-top:20px;display:flex;justify-content:space-between;gap:15px}.subhero{padding:60px 0 55px;max-width:850px}.subhero h1{font-size:clamp(42px,5vw,65px)}.subhero .lead{max-width:670px}.split{display:grid;grid-template-columns:1fr 1fr;gap:55px}.paper{background:#fffdf8;border:1px solid var(--line);border-radius:4px;padding:32px}.paper ul{padding-left:20px;color:var(--muted)}.paper li{margin-bottom:13px}.pill{background:var(--pale);padding:6px 12px;border-radius:20px;font-size:11px;display:inline-block;margin-bottom:18px}.sources{font-size:12px;margin-top:25px;color:var(--muted)}.sources a{text-decoration:underline}.form-layout{display:grid;grid-template-columns:.8fr 1.2fr;gap:65px;padding:65px 5% 85px}.form-side h1{font-size:50px}.form-side p{color:var(--muted)}.demo-note{font-size:12px;border-left:3px solid var(--gold);padding:5px 0 5px 16px;margin-top:25px;color:var(--muted)}.progress{display:flex;gap:8px;margin-bottom:28px}.progress span{height:4px;flex:1;background:var(--line)}.progress span.active{background:var(--forest)}fieldset{border:0;padding:0;margin:0}legend{font-family:Georgia,serif;font-size:30px;line-height:1.2;margin-bottom:25px}.choices{display:grid;grid-template-columns:1fr 1fr;gap:12px}.choice{padding:17px;border:1px solid var(--line);background:#fff;border-radius:3px;display:flex;align-items:center;gap:10px;cursor:pointer;font-size:14px}.choice:has(input:checked){border-color:var(--forest);background:var(--pale)}input[type=radio]{accent-color:var(--forest)}label.field{display:block;margin-bottom:18px;font-size:13px;font-weight:600}input[type=text],input[type=email],select{width:100%;padding:12px;background:white;color:var(--ink);border:1px solid #aebcb1;border-radius:3px;margin-top:7px}.form-actions{margin-top:28px;display:flex;justify-content:space-between;gap:15px}.back{background:none;border:0;padding:10px;color:var(--muted)}.error{color:#992f1c;font-size:14px;margin:15px 0 0}.success-mark{width:60px;height:60px;display:grid;place-items:center;border:1px solid var(--forest);border-radius:50%;font-size:30px;margin-bottom:25px}.review-content{max-width:960px;margin:auto;padding:60px 5%}.review-content h1{font-size:54px}.review-content h2{font-size:32px;margin-top:48px}.review-content ul,.review-content ol{padding-left:23px}.review-content li{margin-bottom:12px}.review-content table{border-collapse:collapse;width:100%;font-size:14px}.review-content td,.review-content th{padding:15px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}.review-content th{color:var(--muted);font-size:12px}.review-content .paper{margin-top:25px}.checklist label{display:block;padding:10px 0}.checklist input{margin-right:10px;accent-color:var(--forest)}.checklist label:has(:checked){text-decoration:line-through;color:var(--muted)}.print{margin-top:20px}
@media(min-width:1500px){.hero-art{min-height:510px}}@media(max-width:900px){nav{gap:17px;font-size:12px}.hero{gap:35px}.hero-art{min-height:400px}.dark{padding:40px;gap:35px}.products{grid-template-columns:repeat(2,1fr)}.form-layout{gap:35px}.form-side h1{font-size:40px}.cards{gap:12px}.card{padding:23px}}
@media(max-width:680px){.review-bar{font-size:8px;letter-spacing:.8px;padding:8px 5%}.review-bar span{max-width:215px}header{padding:20px 5%;flex-wrap:wrap;gap:15px}.brand{font-size:18px}.brand svg{width:35px}.brand small{font-size:8px}.menu{display:block;border:1px solid #b9c5b9;background:transparent;border-radius:3px;padding:7px 13px;font-size:13px}nav{display:none;width:100%;flex-direction:column;align-items:stretch;padding:12px 0;font-size:15px}nav.open{display:flex}nav a{padding:8px}.hero{padding:35px 0;grid-template-columns:1fr;gap:35px}.hero h1{font-size:47px}.lead{font-size:16px}.hero-art{min-height:350px;max-height:390px;border-radius:140px 140px 5px 5px}.hero-art svg{max-height:390px}.trust-strip{flex-wrap:wrap;gap:12px;font-size:11px;padding:20px 0}.section{padding:48px 0}.section-heading{display:block}.section-heading p{margin-top:20px}.cards,.split,.dark,.form-layout{grid-template-columns:1fr}.card .number{margin-bottom:22px}.cards{gap:15px}.dark{padding:30px;gap:28px}.offer{padding:28px;display:block}.offer .btn{margin-top:22px}.product{padding:18px}.footer-top,.footer-bottom{flex-direction:column;align-items:flex-start}.subhero{padding-top:35px}.subhero h1{font-size:46px}.split{gap:20px}.form-layout{padding:35px 5% 55px;gap:30px}.form-side h1{font-size:41px}.paper{padding:25px}.choices{grid-template-columns:1fr}.review-content h1{font-size:42px}.review-content table{font-size:12px}.review-content td,.review-content th{padding:10px 5px}.close-cta{padding:25px 5% 55px}}
#main:focus{outline:none}
@media print{header,.review-bar,footer,.print{display:none}body{background:white}.review-content{padding:0;max-width:none}h2{break-after:avoid}.paper,tr{break-inside:avoid}a{text-decoration:none}}

/* River Bear existing brand: charcoal, gold, white. */
.brand-logo{width:100px;height:100px;object-fit:contain;display:block}.brand{display:block}.btn{background:#e8b951;border-color:#e8b951;color:#242424}.btn:hover{background:#f0c76e;color:#242424}.nav-cta{background:#242424;color:#fff}.nav-cta:hover{color:#e8b951}.btn.light{background:#faf9f6;border-color:#bcb5a6;color:#242424}.hero-art{background:#ebe7dd}.art-caption{box-shadow:0 8px 25px #24242410}.stamp{border-color:#bcb5a6}.trust-strip span:before{color:#87601a}header{padding-top:12px;padding-bottom:12px}.brand-direction{border-left:4px solid #e8b951;padding-left:20px}@media(max-width:680px){.brand-logo{width:82px;height:82px}}

.breadcrumb{font-size:12px;margin-top:25px;color:var(--muted)}.quick-answer{border-left:4px solid #e8b951;background:#f2eee4;padding:25px 32px}.quick-answer h2{font:600 18px Segoe UI,sans-serif;letter-spacing:0}.quick-answer p{margin:0;max-width:850px}.paper h2{font-size:30px}.cards h2{font-size:27px}.related{display:flex;gap:25px;flex-wrap:wrap}.dark li{margin-bottom:12px}.dark .micro{color:#e9e5db}.cards{align-items:stretch}.skip{position:absolute;left:10px;top:-70px;background:#fff;padding:12px;z-index:20}.skip:focus{top:5px}

.team-intro{padding:55px 0 45px;max-width:900px}.team-intro h1{font-size:clamp(42px,5vw,65px)}.team-intro .lead{max-width:670px}.team-leader{display:grid;grid-template-columns:365px 1fr;background:#f0ece2;border-radius:6px;overflow:hidden;gap:0}.leader-photo{background:#252525;position:relative}.leader-photo img{width:100%;height:100%;min-height:365px;max-height:440px;object-fit:cover;display:block}.leader-photo span{position:absolute;bottom:20px;left:20px;padding:7px 12px;background:#e8b951;color:#242424;font-size:10px;letter-spacing:2px;font-weight:700}.leader-copy{padding:36px 42px}.leader-copy h2{font-size:43px;margin-bottom:10px}.person-legal,.person-nmls{font-size:12px;color:#655f53}.leader-copy>p:not(.eyebrow):not(.person-legal){font-size:15px}.person-contact{display:flex;gap:12px 23px;flex-wrap:wrap;margin-top:22px;font-size:13px}.person-contact a{border-bottom:1px solid #b8ad95;padding-bottom:4px}.team-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}.person-card{background:#fffdf8;border:1px solid #dedbd4;border-radius:5px;overflow:hidden;display:flex;flex-direction:column}.person-card>img{width:100%;height:auto;aspect-ratio:1;object-fit:cover;display:block}.person-copy{padding:25px;display:flex;flex-direction:column;flex:1}.person-copy .eyebrow{font-size:10px;letter-spacing:1.2px;margin-bottom:12px}.person-copy h2{font-size:29px;letter-spacing:-.8px;margin-bottom:10px;line-height:1.15}.person-bio{font-size:14px;color:#5e5b54}.person-copy .person-contact{margin-top:auto;padding-top:15px}.person-copy details{padding:5px 0 18px;margin-bottom:15px}.person-copy summary{font-size:13px}.team-review-note{font-size:12px;color:#655f53;margin-top:28px}.team-home{display:grid;grid-template-columns:.9fr 1.1fr;gap:45px;padding:55px 0 75px;align-items:center}.team-home p:not(.eyebrow){color:#5e5b54}.team-mosaic{display:grid;grid-template-columns:repeat(5,1fr);gap:12px}.team-mosaic img{width:100%;height:auto;aspect-ratio:1;border-radius:5px;object-fit:cover}.team-mosaic span{font-size:9px;line-height:1.3;display:block;margin-top:5px}.team-home h2{font-size:38px}
@media(max-width:900px){.team-leader{grid-template-columns:290px 1fr}.leader-copy{padding:27px}.team-grid{grid-template-columns:repeat(2,1fr)}.team-home{gap:25px}}
@media(max-width:680px){.team-intro{padding:35px 0}.team-leader,.team-home{grid-template-columns:1fr}.leader-photo img{min-height:0;max-height:none;aspect-ratio:1}.leader-copy{padding:27px}.team-grid{grid-template-columns:1fr}.team-home{padding:40px 0}.team-mosaic{grid-template-columns:repeat(3,1fr)}.team-mosaic span{font-size:11px}.team-mosaic div:last-child{grid-column:2}.team-intro h1{font-size:44px}}
.entry-cards .btn{margin-top:auto;width:100%;gap:10px}.entry-cards .text-link{margin-top:16px}.entry-cards .micro{font-size:12px;margin-top:16px}.entry-cards .featured{background:#f3e6c8;border-color:#d7bc81}.entry-cards h2{line-height:1.12}.entry-cards .number{margin-bottom:22px}.mobile-actions{display:none}.calculator{align-items:start}.calculator input[type=number]{width:100%;padding:12px;border:1px solid #aebcb1;border-radius:3px;background:#fff;margin-top:7px}.payment-total{font:48px/1.2 Georgia,serif;margin:15px 0;color:#87601a}.payment-line{display:flex;justify-content:space-between;gap:15px;border-bottom:1px solid #dedbd4;padding:10px 0;font-size:14px}.result-panel .section{padding:30px 0 0}nav{gap:18px}.portal-note{padding:10px 5%;background:#f3e6c8;font-size:12px;text-align:center}.person-contact .apply-person{flex-basis:100%;font-weight:650}.quick-answer[hidden]{display:none}@media(max-width:680px){body{padding-bottom:66px}.mobile-actions{display:flex;position:fixed;bottom:0;left:0;right:0;background:#242424;color:#fff;z-index:15;justify-content:space-around;padding:14px 8px;gap:8px;box-shadow:0 -3px 15px #0002}.mobile-actions a{padding:5px;font-size:13px}.mobile-actions a:last-child{color:#e8b951}.entry-cards .btn{width:100%}}@media print{.mobile-actions,.portal-note{display:none}}.conversation-layout{align-items:start}.conversation-layout>.paper{min-width:0}.ghl-conversation-frame{width:100%;height:1040px;border:0;background:#fff;display:block;margin-top:18px}.conversation-layout #load-ghl-form{width:100%}.conversation-layout .section{padding:35px 0}@media(max-width:680px){.ghl-conversation-frame{height:1250px}.conversation-layout .paper{padding:20px}}