:root{--ink:#181c20;--gold:#53c5c8;--text:#343b42;--line:#dce0e3;--paper:#f5f6f7}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:100px}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);font-size:1.125rem;line-height:1.65}a{color:inherit;text-underline-offset:5px}a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible{outline:3px solid #f32039;outline-offset:5px}.wrap{max-width:1200px;margin:auto;padding-left:36px;padding-right:36px}.skip{position:absolute;left:10px;top:-100px;background:white;padding:12px;z-index:100}.skip:focus{top:10px}header{background:white;border-bottom:1px solid var(--line)}.header{min-height:104px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand{text-decoration:none;display:inline-flex;line-height:1}.brand-name{font-size:2rem;font-weight:800;letter-spacing:-1px}.brand-name>span:first-child{color:#f32039}.brand-line{display:block;font-size:.75rem;letter-spacing:3.1px;margin-top:10px;font-weight:600}nav{display:flex;gap:30px;align-items:center;font-size:1rem;font-weight:600}nav a{text-decoration:none}nav a:hover{text-decoration:underline}.nav-contact{border:1px solid var(--ink);padding:12px 18px;border-radius:5px}.hero{background:var(--ink);color:white;padding:74px 0 0}.hero-grid{display:grid;grid-template-columns:1.45fr 1fr;gap:78px;align-items:center}.eyebrow{font-size:.8125rem;letter-spacing:2px;font-weight:700;margin:0 0 18px}.hero .eyebrow,.retirement .eyebrow{color:var(--gold)}h1,h2,h3,p{margin-top:0}h1{font-size:clamp(3.2rem,6vw,5.2rem);line-height:1.08;letter-spacing:-2px;margin-bottom:28px;font-weight:700}h1 em{font-family:Georgia,serif;font-weight:400;color:var(--gold)}.hero-intro{max-width:580px;color:#d5d9dd;font-size:1.25rem;line-height:1.6}.actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:32px}.button{display:inline-flex;justify-content:center;align-items:center;text-align:center;min-height:56px;padding:14px 24px;border-radius:5px;font:700 1rem/1.45 Arial,sans-serif;text-decoration:none;cursor:pointer;border:1px solid transparent;transition:background .15s}.gold{background:var(--gold);color:var(--ink)}.gold:hover{background:#83e0e2}.outline{color:white;border-color:#747b82}.outline:hover{background:#30373f}.dark{background:var(--ink);color:white}.dark:hover{background:#3c454e}.hero-note{font-size:.9375rem;color:#b7bdc3;margin:24px 0 0}.agent{border:1px solid #485058;padding:35px;border-radius:8px;background:#242b32}.monogram{height:66px;width:66px;border-radius:50%;display:flex;justify-content:center;align-items:center;background:var(--gold);color:var(--ink);font-family:Georgia,serif;font-size:1.65rem;margin-bottom:26px}.agent h2{font-family:Georgia,serif;font-size:2.2rem;line-height:1.2;margin-bottom:18px;font-weight:400}.agent p:not(.eyebrow){color:#d5d9dd}.agent-signature{padding-top:22px;border-top:1px solid #4c545c;font-weight:700}.agent-signature span{display:block;font-size:.9375rem;color:#b9c0c6;font-weight:400}.agent>a{display:inline-block;color:var(--gold);margin-top:18px;font-size:1rem}.hero-bottom{display:flex;justify-content:space-between;gap:24px;padding-top:26px;padding-bottom:26px;margin-top:62px;border-top:1px solid #41464c;color:#d7dce0;font-size:1rem}.services{padding-top:80px;padding-bottom:85px}.section-heading{display:grid;grid-template-columns:1.1fr 1fr;gap:100px;align-items:end;margin-bottom:35px}h2{font-size:clamp(2rem,3.4vw,3rem);line-height:1.2;letter-spacing:-1px;margin-bottom:24px}.section-heading p:last-child{max-width:390px;color:var(--text)}.service-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.service{border:1px solid var(--line);border-radius:7px;padding:30px 26px;display:flex;flex-direction:column}.card-top{display:flex;justify-content:space-between;align-items:center;margin-bottom:25px;gap:12px}.number{color:#14777b;font-family:Georgia,serif;font-size:1.75rem}.category{font-size:.75rem;letter-spacing:1.1px;font-weight:700;color:#656d75}h3{font-size:1.65rem;line-height:1.2;letter-spacing:-.5px;margin-bottom:18px}.service>p{font-size:1.0625rem;color:var(--text)}.service .detail{margin-top:auto;font-size:.9375rem;color:#5f6871;border-top:1px solid var(--line);padding-top:18px}.service .button{padding-left:12px;padding-right:12px;font-size:.9375rem}.retirement{background:#202830;color:white;padding:75px 0}.retirement-grid{display:grid;grid-template-columns:1fr 1fr;gap:95px}.retirement p:not(.eyebrow){color:#d3d9df}.retirement .button{margin-top:12px}.topic-list>div{display:flex;gap:25px;align-items:center;padding:20px 0;border-bottom:1px solid #49515a}.topic-list>div:first-child{padding-top:0}.topic-list span{color:var(--gold);font-family:Georgia,serif;font-size:1.2rem}.topic-list h3{font-size:1.25rem;margin:0;letter-spacing:0;font-weight:500}.business{padding-top:78px;padding-bottom:78px;display:grid;grid-template-columns:1fr 1fr;gap:95px;align-items:center}.business h2{margin-bottom:0}.business p{color:var(--text)}.contact{background:var(--paper);padding:80px 0}.contact-grid{display:grid;grid-template-columns:1fr 1.1fr;gap:80px}.contact-grid>div>p:not(.eyebrow){color:var(--text);max-width:400px}.contact-person{margin:28px 0}.contact-person strong,.contact-person span,.contact-person a{display:block}.contact-person a{margin-top:14px;font-size:1rem;overflow-wrap:anywhere}.small{font-size:.9375rem;margin-top:36px}form{background:white;padding:32px;border-radius:8px;border:1px solid var(--line)}label{display:block;font-size:1rem;font-weight:700;margin-bottom:7px}label span{font-size:.875rem;color:#5c646c;font-weight:400}input,select,textarea{width:100%;font:inherit;background:white;border:1px solid #8c949c;border-radius:4px;padding:12px;color:var(--ink);margin-bottom:20px;min-width:0;min-height:52px}textarea{resize:vertical}.form-row{display:grid;grid-template-columns:1fr 1fr;gap:18px}.form-help{font-size:.9375rem;color:#525b65;margin-top:0}form .button{width:100%}#form-status{font-size:1rem;margin:16px 0 0}#form-status:empty{display:none}footer{background:white;padding:40px 0 25px}.footer-top{display:flex;justify-content:space-between;align-items:center;gap:25px}.footer-top p{font-family:Georgia,serif;font-size:1.25rem;margin:0}.footer-top>a:last-child{font-size:1rem}.footer-bottom{display:flex;gap:50px;font-size:.8125rem;color:#5f6770;margin-top:35px}.footer-bottom>span{white-space:nowrap}.footer-bottom p{margin:0}@media(max-width:950px){.hero-grid{gap:30px;grid-template-columns:1.2fr 1fr}.section-heading{gap:40px}.service-grid{grid-template-columns:1fr}.service{padding:28px}.service .button{align-self:start;padding-left:24px;padding-right:24px}.retirement-grid,.business,.contact-grid{gap:40px}nav{gap:18px}nav a:nth-child(2){display:none}}@media(max-width:650px){.wrap{padding-left:22px;padding-right:22px}.header{min-height:90px;gap:12px}.brand-name{font-size:1.65rem}.brand-line{font-size:.625rem;letter-spacing:2.5px}nav a:first-child{display:none}.nav-contact{padding:10px 12px;font-size:.875rem}.hero{padding-top:45px}.hero-grid,.section-heading,.retirement-grid,.business,.contact-grid{grid-template-columns:1fr;gap:32px}h1{font-size:3.45rem;letter-spacing:-1.5px}.hero-intro{font-size:1.125rem}.actions .button{flex:1;padding:14px 16px}.agent{padding:26px}.hero-bottom{margin-top:36px;flex-wrap:wrap;justify-content:flex-start;gap:8px 22px;font-size:.9375rem}.services,.retirement,.business,.contact{padding-top:52px;padding-bottom:52px}.section-heading{gap:0}.section-heading h2 br{display:none}.section-heading p:last-child{margin-bottom:0}.form-row{grid-template-columns:1fr;gap:0}form{padding:22px}.footer-top,.footer-bottom{flex-direction:column;align-items:flex-start;gap:20px}.footer-bottom{margin-top:28px}.footer-bottom>span{white-space:normal}.business h2 br{display:none}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}

/* Toolz2Life banner brand: teal, red, and smoky black. */
header{background:#101518;color:#fff;border-bottom:3px solid #ec2035}.header{flex-wrap:wrap;padding-top:18px;padding-bottom:18px}.brand{align-items:center;gap:12px;flex-shrink:0}.brand-name{color:#53c5c8}.brand-line{color:#fff;font-size:.8rem;letter-spacing:2px}.brand-emblem{display:block;width:76px;height:76px;flex-shrink:0;background-image:url('/toolz2life-banner.png');background-size:480px auto;background-position:center -8px;border-radius:50%}nav{gap:18px;flex-wrap:wrap}nav a{font-size:.9375rem}.nav-contact{border-color:#53c5c8}.hero{background:#101518;padding-top:30px}.banner-wrap{margin-bottom:48px}.brand-banner{display:block;width:100%;height:auto;border-radius:8px;border:1px solid #34464a}.hero-grid{gap:60px}.agent{background:#1b2328;border-top:3px solid #ed2037}.monogram{background:#53c5c8}.service{border-top:3px solid #40aeb3}.service:nth-child(2){border-top-color:#ed2037}.service:nth-child(3){border-top-color:#40aeb3}.dark{background:#176f74}.dark:hover{background:#10575b}.retirement{background:#101d22;border-top:3px solid #ec2035}.business .eyebrow,.services .eyebrow,.contact .eyebrow{color:#176f74}.contact{background:#edf5f5}footer{background:#101518;color:white;border-top:3px solid #40aeb3}.footer-bottom{color:#b9c9cd}.footer-contact{display:flex;flex-direction:column;font-size:1rem;overflow-wrap:anywhere}.footer-top{flex-wrap:wrap}.category{font-size:.875rem}.eyebrow{font-size:.875rem}.footer-bottom{font-size:.875rem}
@media(max-width:950px){nav a:nth-child(2){display:inline}.header{justify-content:center}nav{justify-content:center}.hero-grid{gap:30px}}
@media(max-width:650px){.header{justify-content:flex-start}.brand-emblem{width:64px;height:64px;background-size:405px auto;background-position:center -7px}.brand-line{font-size:.75rem}.header nav{width:100%;justify-content:flex-start;gap:12px 18px}nav a:first-child{display:inline}.hero{padding-top:20px}.banner-wrap{margin-bottom:32px}.hero-grid{gap:32px}.hero h1{font-size:clamp(2.5rem,10vw,3.45rem)}.footer-contact{max-width:100%}}

header>.banner-wrap{max-width:1200px;padding-top:24px;margin-bottom:0}.hero{padding-top:58px}.service-icon{display:flex;align-items:center;justify-content:center;width:64px;height:64px;background:#e6f5f5;color:#176f74;border-radius:14px;margin-bottom:22px;border:1px solid #b5e1e2}.service-icon svg{width:34px;height:34px}.service:nth-child(2) .service-icon{background:#fff0f1;color:#d51d35;border-color:#f4bdc5}.retirement .service-icon{color:#64d0d2;background:#19343a;border-color:#37616a}.business .service-icon{color:#d51d35;background:#fff0f1;border-color:#f4bdc5}.service{padding:34px 28px}.footer-links{display:flex;flex-wrap:wrap;gap:16px 28px;padding-top:32px;margin-top:30px;border-top:1px solid #34464a}.footer-links a{font-size:1rem!important;display:inline!important}.retirement-grid>div:first-child,.business>div:first-child,.contact-grid>div:first-child{min-width:0}.brand-banner{border-radius:5px}.footer-contact a{overflow-wrap:anywhere}
@media(max-width:650px){header>.banner-wrap{padding-top:16px}.hero{padding-top:38px}.service{padding:28px 24px}.footer-links{display:grid;grid-template-columns:1fr 1fr;gap:18px}.footer-links a{font-size:.9375rem!important}}

.agent-portrait{display:block;width:100%;max-width:320px;height:auto;margin:0 auto 28px;border-radius:8px;border:1px solid #42676a}@media(max-width:650px){.agent-portrait{max-width:280px}}

.agent-heading{display:flex;align-items:center;justify-content:space-between;gap:18px;margin-bottom:24px}.agent-heading>div{min-width:0}.agent-heading .eyebrow{margin-bottom:10px}.agent-heading h2{margin-bottom:0;font-size:2rem}.agent-heading .agent-portrait{width:90px;height:104px;max-width:none;flex:0 0 90px;margin:0;object-fit:cover;object-position:50% 25%;border-radius:12px}@media(max-width:650px){.agent-heading{gap:14px}.agent-heading h2{font-size:1.8rem}.agent-heading .eyebrow{font-size:.75rem;letter-spacing:1.2px}}

.hubspot-contact-form{min-width:0;background:white;padding:24px;border:1px solid var(--line);border-radius:8px}.hs-form-frame{width:100%;min-height:360px}.hubspot-contact-form .form-help{margin:20px 0 0}@media(max-width:650px){.hubspot-contact-form{padding:16px}}