.site-403b-options {
  --color-deep-forest: #1B3B2B;
  --color-gold: #D4AF37;
  --color-pale-sage: #EEF4F0;
  --color-charcoal: #253039;
  --color-warm-white: #FAFAF7;
  --color-white: #FFFFFF;
  --color-gold-hover: #8A6500;
  --opt-forest: var(--color-deep-forest);
  --opt-forest-dark: var(--color-deep-forest);
  --opt-gold: var(--color-gold);
  --opt-button-bg: var(--color-gold);
  --opt-button-text: var(--color-charcoal);
  --opt-button-hover-bg: var(--color-gold-hover);
  --opt-button-hover-text: var(--color-warm-white);
  --opt-button-active-bg: var(--color-gold);
  --opt-button-active-text: var(--color-warm-white);
  --opt-button-focus-ring: var(--color-charcoal);
  --opt-button-focus-contrast: var(--color-warm-white);
  --opt-button-boundary: var(--color-warm-white);
  --opt-button-disabled-bg: var(--color-pale-sage);
  --opt-button-disabled-text: var(--color-charcoal);
  --opt-sage: var(--color-pale-sage);
  --opt-charcoal: var(--color-charcoal);
  --opt-warm: var(--color-warm-white);
  --opt-line: color-mix(in srgb, var(--color-charcoal) 18%, var(--color-warm-white));
  --opt-muted: color-mix(in srgb, var(--color-charcoal) 76%, var(--color-warm-white));
  --options-section-space: clamp(5rem, 6vw, 6.5rem);
  --opt-serif: Georgia, "Times New Roman", serif;
  --opt-sans: "Avenir Next", Avenir, "Segoe UI", Arial, sans-serif;
  --font-display: var(--opt-serif);
  --font-sans: var(--opt-sans);
  color: var(--opt-charcoal);
  background: var(--opt-warm);
  font-family: var(--opt-sans);
}

.site-403b-options .site-header {
  position: sticky;
  top: 0;
  z-index: 20;
  background: rgba(250, 250, 247, .97);
  border-bottom: 1px solid var(--opt-line);
  box-shadow: none;
}

.site-403b-options .header__inner { min-height: 5.5rem; }
.site-403b-options .header__brand { min-width: 11.5rem; }
.site-403b-options .brand__copy { gap: .1rem; }
.site-403b-options .brand__logo { width: 12.5rem; height: auto; }
.site-403b-options .brand__tagline { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); }
.site-403b-options .desktop-nav a:not(.button) { color: var(--opt-charcoal); font-size: .83rem; }
.site-403b-options .desktop-nav a:not(.button):hover { color: var(--opt-forest); }
.site-403b-options .desktop-nav a[aria-current="page"] { color: var(--opt-forest); }
.site-403b-options .mobile-nav:not([open]) nav { display: none; }
.site-403b-options .button,
.site-403b-options .options-button {
  display: inline-flex;
  min-height: 2.9rem;
  align-items: center;
  justify-content: center;
  padding: .78rem 1.25rem;
  color: var(--opt-button-text);
  background: var(--opt-button-bg);
  border: 1px solid var(--opt-button-bg);
  border-radius: 999px;
  box-shadow: 0 0 0 1px var(--opt-button-boundary);
  font-weight: 750;
  line-height: 1.15;
  text-decoration: none;
  transition: color 160ms ease, background-color 160ms ease, border-color 160ms ease;
}
.site-403b-options .button:hover,
.site-403b-options .options-button:hover { color: var(--opt-button-hover-text); background: var(--opt-button-hover-bg); border-color: var(--opt-button-hover-bg); }
.site-403b-options .button:active,
.site-403b-options .options-button:active { color: var(--opt-button-active-text); background: var(--opt-button-active-bg); border-color: var(--opt-button-active-bg); }
.site-403b-options .button:disabled,
.site-403b-options .options-button:disabled,
.site-403b-options .button[aria-disabled="true"],
.site-403b-options .options-button[aria-disabled="true"] { color: var(--opt-button-disabled-text); background: var(--opt-button-disabled-bg); border-color: var(--opt-button-disabled-text); cursor: not-allowed; transform: none; }
.site-403b-options .button--quiet,
.site-403b-options .button--light,
.site-403b-options .options-button--gold { color: var(--opt-button-text); background: var(--opt-button-bg); border-color: var(--opt-button-bg); }
.site-403b-options :focus-visible { outline: 3px solid var(--opt-button-focus-ring); outline-offset: 3px; box-shadow: 0 0 0 3px var(--opt-button-focus-contrast); }

.options-shell { width: min(76rem, calc(100% - 3rem)); margin-inline: auto; }
.options-kicker { margin: 0 0 .85rem; color: var(--opt-forest); font-size: .72rem; font-weight: 800; letter-spacing: .14em; line-height: 1.35; text-transform: uppercase; }
.options-kicker--gold { color: var(--opt-gold); }
.options-lead { color: var(--opt-muted); font-size: clamp(1.08rem, 1.6vw, 1.28rem); line-height: 1.7; }
.options-page h1,
.options-home h1,
.options-page h2,
.options-home h2,
.options-page h3,
.options-home h3 { color: var(--opt-charcoal); font-family: var(--opt-serif); text-wrap: balance; }
.options-page p,
.options-home p { line-height: 1.7; }
.options-hero {
  position: relative;
  isolation: isolate;
  min-height: clamp(37rem, 72vh, 49rem);
  display: grid;
  align-items: center;
  color: var(--opt-warm);
  background-image: var(--options-hero-image);
  background-position: center 42%;
  background-size: cover;
}
.options-hero::before { content: ""; position: absolute; z-index: -1; inset: 0; background: linear-gradient(90deg, rgba(27,59,43,.96) 0%, rgba(27,59,43,.88) 35%, rgba(37,48,57,.35) 62%, rgba(37,48,57,.08) 100%); }
.options-hero__inner { padding-block: clamp(5rem, 10vw, 8rem); }
.options-hero__copy { max-width: 39rem; }
.options-hero h1 { max-width: 12ch; margin: 0 0 1.35rem; color: var(--opt-warm); font-size: clamp(3rem, 6vw, 5.7rem); line-height: .98; letter-spacing: -.055em; }
.options-hero .options-lead { max-width: 35rem; margin: 0 0 2rem; color: rgba(250,250,247,.9); }
.options-tax-home-hero { background-position: center 46%; }
.options-tax-home-hero::before { background: linear-gradient(270deg, rgba(27,59,43,.97) 0%, rgba(27,59,43,.9) 39%, rgba(37,48,57,.32) 66%, rgba(37,48,57,.05) 100%); }
.options-tax-home-hero .options-hero__inner { display: grid; grid-template-columns: minmax(0, 2fr) minmax(34rem, 3fr); }
.options-tax-home-hero__copy { grid-column: 2; max-width: 44rem; justify-self: end; }
.options-tax-home-hero h1,
.options-existing-home-hero h1 { max-width: none; font-size: clamp(3rem, 4.6vw, 4.8rem); }
.options-tax-home-hero .options-lead,
.options-existing-home-hero .options-lead { max-width: 40rem; margin-bottom: 0; }
.options-existing-home-hero { background-position: 52% 30%; }
.options-existing-home-hero__copy { max-width: 44rem; }
.options-existing-home-hero .options-supporting-title { max-width: 36rem; color: var(--opt-warm) !important; }

.options-intro { padding: var(--options-section-space) 0; }
.options-intro__grid { display: grid; grid-template-columns: minmax(10rem, 1fr) minmax(0, 2.2fr); gap: clamp(2rem, 5vw, 5rem); align-items: start; }
.options-intro h2 { max-width: 18ch; margin: 0 0 1.5rem; font-size: clamp(2.4rem, 5vw, 4.8rem); line-height: 1.03; letter-spacing: -.045em; }
.options-intro .options-lead { max-width: 48rem; }

.options-pathways { padding: var(--options-section-space) 0; background: var(--opt-warm); border-block: 1px solid var(--opt-line); }
.options-section-heading { max-width: 49rem; margin-bottom: clamp(2rem, 3vw, 3rem); }
.options-section-heading--center { margin-inline: auto; text-align: center; }
.options-section-heading h2 { margin: 0; font-size: clamp(2.2rem, 4.2vw, 4rem); line-height: 1.05; letter-spacing: -.04em; }
.options-pathways__grid { display: grid; grid-template-columns: repeat(3, 1fr); border-top: 1px solid var(--opt-line); }
.options-pathway-card { padding: 2.3rem 2rem 2.2rem 0; }
.options-pathway-card + .options-pathway-card { padding-left: 2rem; border-left: 1px solid var(--opt-line); }
.options-pathway-card > span { color: var(--opt-gold); font-size: .75rem; font-weight: 800; letter-spacing: .14em; }
.options-pathway-card h3 { min-height: 4.8rem; margin: 1rem 0; font-size: clamp(1.55rem, 2.6vw, 2.25rem); line-height: 1.08; }
.options-pathway-card p { color: var(--opt-muted); }
.options-pathway-card a { color: var(--opt-forest); font-weight: 800; text-underline-offset: .25rem; }

.options-stages { padding: var(--options-section-space) 0; color: var(--opt-warm); background: var(--opt-charcoal); }
.options-stages h2, .options-stages h3, .options-stages h4 { color: var(--opt-warm); }
.options-stages__header { display: grid; grid-template-columns: 1.2fr .8fr; gap: clamp(2rem, 5vw, 5rem); align-items: end; }
.options-stages__header h2 { max-width: 13ch; margin: 0; font-size: clamp(2.7rem, 5vw, 5rem); line-height: 1; letter-spacing: -.05em; }
.options-stages__intro p { margin: 0; color: rgba(250,250,247,.78); font-size: 1.05rem; }
.options-stages__intro .options-stages__instruction { margin-top: 1rem; color: var(--opt-warm); font-weight: 750; }
.options-stage-explorer { margin-top: clamp(2.5rem, 3vw, 3rem); }
.options-stage-tabs { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: .75rem; margin-bottom: 1rem; }
.options-stage-tabs[hidden] { display: none; }
.options-stage-tabs button {
  min-height: 3.5rem;
  padding: .8rem 1rem;
  color: var(--opt-warm);
  background: transparent;
  border: 1px solid rgba(250,250,247,.58);
  border-radius: 999px;
  font: inherit;
  font-weight: 750;
  line-height: 1.25;
  cursor: pointer;
  transition: color 160ms ease, background-color 160ms ease, border-color 160ms ease;
}
.options-stage-tabs button span { margin-right: .45rem; font-size: .72rem; letter-spacing: .1em; }
.options-stage-tabs button:hover { background: rgba(250,250,247,.1); border-color: var(--opt-warm); }
.options-stage-tabs button[aria-selected="true"] { color: var(--opt-charcoal); background: var(--opt-gold); border-color: var(--opt-gold); }
.options-stage-tabs button[aria-selected="true"]:hover { background: var(--opt-gold); }
.options-stage-tabs button:focus-visible { outline-color: var(--opt-gold); box-shadow: 0 0 0 3px var(--opt-charcoal); }
.options-stage-panel {
  display: grid;
  grid-template-columns: minmax(0, .8fr) minmax(0, 1.2fr);
  gap: clamp(2rem, 5vw, 4rem);
  padding: clamp(2rem, 3vw, 3rem);
  background: rgba(250,250,247,.045);
  border: 1px solid rgba(250,250,247,.24);
}
.options-stage-panel + .options-stage-panel { margin-top: 1rem; }
.options-stage-panel[hidden] { display: none; }
.options-stage-panel__step { margin: 0 0 .75rem; color: var(--opt-gold); font-size: .73rem; font-weight: 800; letter-spacing: .13em; line-height: 1.35; text-transform: uppercase; }
.options-stage-panel h3 { margin: 0 0 1rem; font-size: clamp(2rem, 4vw, 3.5rem); line-height: 1; letter-spacing: -.035em; }
.options-stage-panel__overview > p:last-child { margin: 0; color: rgba(250,250,247,.76); }
.options-stage-panel h4 { margin: 0 0 1.25rem; font-family: var(--opt-sans); font-size: .78rem; font-weight: 800; letter-spacing: .12em; line-height: 1.35; text-transform: uppercase; }
.options-stage-panel ol { margin: 0; padding: 0; list-style: none; counter-reset: stage-question; }
.options-stage-panel li { position: relative; min-height: 2rem; padding: 0 0 1.1rem 3rem; color: rgba(250,250,247,.9); line-height: 1.55; counter-increment: stage-question; }
.options-stage-panel li + li { padding-top: 1.1rem; border-top: 1px solid rgba(250,250,247,.14); }
.options-stage-panel li::before { content: counter(stage-question, decimal-leading-zero); position: absolute; top: 0; left: 0; color: var(--opt-gold); font-size: .72rem; font-weight: 800; letter-spacing: .1em; }
.options-stage-panel li + li::before { top: 1.1rem; }

@media (prefers-reduced-motion: no-preference) {
  .options-stages.is-stage-tabs-ready .options-stage-panel:not([hidden]) { animation: options-stage-reveal 180ms ease-out; }
  @keyframes options-stage-reveal { from { opacity: .6; } to { opacity: 1; } }
}

.options-closing { padding: var(--options-section-space) 0; color: var(--opt-warm); background: var(--opt-forest); }
.options-closing__grid { display: grid; grid-template-columns: 1.15fr .85fr; gap: clamp(2.5rem, 8vw, 8rem); align-items: center; }
.options-closing h2 { max-width: 14ch; margin: 0; color: var(--opt-warm); font-size: clamp(2.5rem, 5vw, 4.8rem); line-height: 1; letter-spacing: -.045em; }
.options-closing p { color: rgba(250,250,247,.82); font-size: 1.08rem; }
.options-home .options-closing,
.options-tax .options-closing,
.options-existing .options-closing,
.options-annuity .options-closing,
.options-about .options-closing { color: var(--opt-charcoal); background: var(--opt-sage); border-top: 1px solid var(--opt-line); }
.options-tax .options-closing .options-kicker,
.options-annuity .options-closing .options-kicker,
.options-existing .options-closing .options-kicker,
.options-about .options-closing .options-kicker { color: var(--opt-gold); }
.options-home .options-closing .options-kicker { color: var(--opt-gold); }
.options-tax .options-both .options-kicker { color: var(--opt-gold); }
.options-home .options-closing h2,
.options-tax .options-closing h2,
.options-existing .options-closing h2,
.options-annuity .options-closing h2,
.options-about .options-closing h2 { color: var(--opt-charcoal); }
.options-home .options-closing p,
.options-tax .options-closing p,
.options-existing .options-closing p,
.options-annuity .options-closing p,
.options-about .options-closing p { color: var(--opt-charcoal); }

.options-page-hero { padding: clamp(4rem, 8vw, 7rem) 0; }
.options-page-hero__grid { display: grid; grid-template-columns: minmax(0, 1.02fr) minmax(22rem, .98fr); gap: clamp(3rem, 7vw, 7rem); align-items: center; }
.options-page-hero h1, .options-existing-hero h1, .options-tax-hero h1, .options-about-hero h1 { margin: 0 0 1.25rem; font-size: clamp(3rem, 5.7vw, 5.8rem); line-height: .97; letter-spacing: -.055em; }
.options-supporting-title { margin: 0 0 1.2rem; color: var(--opt-forest) !important; font-family: var(--opt-sans) !important; font-size: clamp(1.05rem, 2vw, 1.35rem); font-weight: 750; line-height: 1.35; }
.options-editorial-image { position: relative; margin: 0; }
.options-editorial-image::before { content: ""; position: absolute; z-index: -1; width: 65%; height: 70%; right: -1.2rem; bottom: -1.2rem; background: var(--opt-sage); }
.options-editorial-image img { display: block; width: 100%; aspect-ratio: 3 / 4; object-fit: cover; object-position: 54% center; }

.options-annuity-hero { padding: clamp(3.5rem, 6vw, 5.5rem) 0; background: var(--opt-sage); border-bottom: 1px solid var(--opt-line); }
.options-annuity-hero .options-annuity-hero__grid { width: min(76rem, calc(100% - 3rem)); grid-template-columns: minmax(21rem, 45fr) minmax(0, 55fr); gap: clamp(2.5rem, 5vw, 5rem); }
.options-annuity-hero__copy { grid-column: 2; grid-row: 1; min-width: 0; }
.options-hero .options-kicker,
.options-annuity-hero .options-kicker,
.options-about-hero .options-kicker { display: flex; gap: .7rem; align-items: center; }
.options-hero .options-kicker::before,
.options-annuity-hero .options-kicker::before,
.options-about-hero .options-kicker::before { content: ""; width: 2rem; height: 2px; flex: 0 0 2rem; background: var(--opt-gold); }
.options-annuity-hero h1 { max-width: 13ch; margin-bottom: 1.35rem; font-size: clamp(3.15rem, 5vw, 4.85rem); line-height: 1; }
.options-annuity-hero .options-supporting-title { max-width: 34rem; margin-bottom: 1.15rem; font-size: clamp(1.1rem, 1.7vw, 1.35rem); }
.options-annuity-hero .options-lead { max-width: 64ch; margin: 0; color: var(--opt-charcoal); }
.options-annuity-hero__action { margin-top: 1.7rem; }
.options-annuity-hero .options-editorial-image { overflow: hidden; grid-column: 1; grid-row: 1; width: min(100%, 34rem); justify-self: end; aspect-ratio: 4 / 5; border: 1px solid var(--opt-line); border-radius: 1rem; box-shadow: 0 1.25rem 2.5rem rgba(37,48,57,.12); }
.options-annuity-hero .options-editorial-image::before { display: none; }
.options-annuity-hero .options-editorial-image picture { display: block; height: 100%; }
.options-annuity-hero .options-editorial-image img { height: 100%; aspect-ratio: 4 / 5; object-position: center; }

.options-visually-hidden { position: absolute !important; width: 1px !important; height: 1px !important; padding: 0 !important; margin: -1px !important; overflow: hidden !important; clip: rect(0, 0, 0, 0) !important; white-space: nowrap !important; border: 0 !important; }
.options-comparison { padding: clamp(3.25rem, 6vw, 5rem) 0 clamp(4rem, 7vw, 6rem); background: color-mix(in srgb, var(--color-pale-sage) 72%, var(--color-white)); }
.options-interactive-paths .options-section-heading { max-width: 56rem; margin: 0 auto 1.5rem; }
.options-comparison-intro h2 { color: var(--opt-forest); font-size: clamp(2.15rem, 4vw, 3.75rem); }
.options-comparison-summary { max-width: 48rem; margin: .9rem auto .55rem; color: var(--opt-charcoal); font-size: clamp(1.02rem, 1.45vw, 1.15rem); }
.options-topic-instruction { max-width: 42rem; margin: 0 auto; color: var(--opt-charcoal); font-size: .95rem; font-weight: 750; }
.options-topic-controls { margin-bottom: 1.25rem; }
.options-topic-tabs { position: relative; display: grid; grid-template-columns: repeat(5, minmax(0, 1fr)); gap: .55rem; margin: 0 auto 1.25rem; }
.options-topic-tabs button { position: relative; display: flex; min-height: 3.75rem; align-items: center; justify-content: center; padding: .75rem .65rem; color: var(--opt-charcoal); background: var(--color-white); border: 1px solid var(--opt-line); border-radius: .65rem; font: inherit; font-size: .82rem; font-weight: 800; line-height: 1.25; cursor: pointer; }
.options-topic-tabs button span { width: .58rem; height: .58rem; flex: 0 0 auto; margin-right: .45rem; background: var(--color-white); border: 2px solid var(--opt-charcoal); border-radius: 50%; }
.options-topic-tabs button[aria-selected="true"] { color: var(--opt-charcoal); background: var(--opt-gold); border-color: var(--opt-gold); box-shadow: 0 .35rem .8rem rgba(37,48,57,.1); }
.options-topic-tabs button[aria-selected="true"] span { background: var(--opt-charcoal); border-color: var(--opt-charcoal); }
.options-topic-tabs button:hover:not([aria-selected="true"]) { color: var(--opt-forest); border-color: var(--opt-forest); }
.options-topic-tabs button:focus-visible { outline: 3px solid var(--opt-charcoal); outline-offset: 3px; box-shadow: 0 0 0 3px var(--opt-warm); }
.options-active-topic { width: fit-content; max-width: 100%; margin: 0 auto; padding: .6rem 1rem; color: var(--opt-charcoal); background: var(--opt-gold); border-radius: 999px; box-shadow: 0 .35rem .85rem rgba(37,48,57,.1); font-size: .76rem; font-weight: 850; letter-spacing: .1em; line-height: 1.3; text-align: center; }
.options-topic-panels { background: transparent; }
.options-topic-panel { padding: 1rem; background: color-mix(in srgb, var(--color-pale-sage) 58%, var(--color-white)); border: 1px solid var(--opt-line); border-radius: .9rem; }
.options-topic-panel__title { margin: 0 0 1rem; color: var(--opt-charcoal); font-family: var(--opt-sans); font-size: .82rem; font-weight: 850; letter-spacing: .1em; text-transform: uppercase; }
.options-topic-panel + .options-topic-panel { margin-top: 1.25rem; }
.is-tabs-ready .options-topic-panel + .options-topic-panel { margin-top: 0; }
.is-tabs-ready .options-topic-panel__title { position: absolute; width: 1px; height: 1px; margin: -1px; overflow: hidden; clip: rect(0, 0, 0, 0); white-space: nowrap; }
.options-topic-panel__paths { display: grid; grid-template-columns: minmax(0, 57fr) minmax(0, 43fr); gap: 1rem; }
.options-product-path { min-width: 0; padding: clamp(1.65rem, 3vw, 2.5rem); background: var(--color-white); border: 1px solid var(--opt-line); border-radius: .7rem; box-shadow: 0 .65rem 1.4rem rgba(37,48,57,.07); }
.options-product-path__eyebrow { display: flex; gap: .65rem; align-items: center; margin: 0 0 .7rem; font-size: .72rem; font-weight: 850; letter-spacing: .12em; text-transform: uppercase; }
.options-product-path__eyebrow::before { content: ""; width: 2.25rem; height: 3px; flex: 0 0 2.25rem; background: var(--opt-forest); }
.options-product-path h4 { margin: 0 0 1rem; font-family: var(--opt-serif); font-size: clamp(1.75rem, 2.55vw, 2.45rem); line-height: 1.05; letter-spacing: -.035em; }
.options-product-path > p:last-child { margin: 0; }
.options-product-path--fia { color: var(--opt-charcoal); border-left: 3px solid var(--opt-gold); }
.options-product-path--fia .options-product-path__eyebrow { color: var(--opt-gold); }
.options-product-path--fia h4 { color: var(--opt-forest); }
.options-product-path--variable { color: var(--opt-charcoal); }
.options-product-path--variable .options-product-path__eyebrow { color: var(--opt-gold); }
.options-product-path--variable h4 { color: var(--opt-charcoal); }
.options-topic-panel__qualification { margin: 1rem 0 0; padding: .9rem 1rem; color: var(--opt-charcoal); background: var(--color-white); border: 1px solid var(--opt-line); border-left: 3px solid var(--opt-gold); border-radius: .45rem; font-size: .88rem; }
.options-topic-pagination { display: grid; grid-template-columns: minmax(7rem, 1fr) auto minmax(7rem, 1fr); gap: 1rem; align-items: center; margin-top: 1.25rem; }
.options-topic-pagination__button { min-height: 2.85rem; padding: .65rem 1rem; color: var(--opt-charcoal); background: var(--color-white); border: 1px solid var(--opt-charcoal); border-radius: .55rem; font: inherit; font-weight: 800; cursor: pointer; }
.options-topic-pagination__button:first-child { justify-self: start; }
.options-topic-pagination__button:last-of-type { justify-self: end; }
.options-topic-pagination__button:hover:not([aria-disabled="true"]) { color: var(--color-white); background: var(--opt-forest); }
.options-topic-pagination__button:focus-visible { outline: 3px solid var(--opt-charcoal); outline-offset: 3px; }
.options-topic-pagination__button[aria-disabled="true"] { color: color-mix(in srgb, var(--opt-charcoal) 58%, var(--color-white)); background: var(--opt-sage); border-color: var(--opt-line); cursor: not-allowed; }
.options-topic-progress { margin: 0; color: var(--opt-charcoal); font-weight: 850; text-align: center; }
.options-review-questions { padding: var(--options-section-space) 0; color: var(--opt-warm); background: var(--opt-charcoal); border-block: 1px solid rgba(250,250,247,.18); }
.options-review-questions__grid { display: grid; grid-template-columns: minmax(0, .8fr) minmax(0, 1.2fr); gap: clamp(3rem, 8vw, 8rem); align-items: start; }
.options-review-questions .options-kicker { color: var(--opt-gold); }
.options-review-questions h2 { margin: 0; color: var(--opt-warm); font-size: clamp(2.3rem, 4.5vw, 4.2rem); line-height: 1.03; }
.options-review-questions ol { margin: 0; padding: 0; list-style: none; counter-reset: review-question; }
.options-review-questions li { position: relative; min-height: 3.6rem; padding: 1rem 0 1rem 3.25rem; color: var(--opt-warm); border-bottom: 1px solid rgba(250,250,247,.18); counter-increment: review-question; }
.options-review-questions li::before { content: "0" counter(review-question); position: absolute; left: 0; top: 1rem; color: var(--opt-gold); font-size: .75rem; font-weight: 850; letter-spacing: .08em; }
.options-review-questions :focus-visible { outline: 3px solid var(--opt-gold); outline-offset: 4px; box-shadow: 0 0 0 6px var(--opt-warm); }
.options-qualification { margin-top: 2rem; padding: 1.25rem 1.4rem; color: var(--opt-muted); background: var(--opt-sage); border-left: 4px solid var(--opt-gold); font-size: .88rem; }
.options-qualification-band { padding: 2rem 0; background: var(--opt-warm); }
.options-qualification-band .options-qualification { margin-top: 0; }

.options-tax-hero, .options-existing-hero { padding: clamp(4rem, 8vw, 7rem) 0 0; }
.options-tax-hero__copy, .options-existing-hero__copy { max-width: 66rem; }
.options-tax-hero h1 { max-width: 13ch; }
.options-tax-hero__copy .options-lead, .options-existing-hero__copy .options-lead { max-width: 50rem; }
.options-tax-hero__image, .options-existing-hero__image { margin-top: 3.5rem; margin-bottom: 0; }
.options-tax-hero__image img { display: block; width: 100%; aspect-ratio: 7 / 3; object-fit: cover; object-position: center 45%; }
.options-existing-hero__image { max-width: 76rem; }
.options-existing-hero__image img { display: block; width: 100%; max-height: 34rem; object-fit: cover; object-position: center 35%; }

.options-tax-paths { padding: var(--options-section-space) 0; }
.options-tax-paths__grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1.5rem; }
.options-tax-path { padding: clamp(2rem, 4vw, 3.5rem); background: var(--opt-warm); border: 1px solid var(--opt-line); }
.options-tax-path:nth-child(2) { background: var(--opt-sage); }
.options-tax-path header > p:first-child { margin: 0 0 .6rem; color: var(--opt-gold); font-size: .72rem; font-weight: 800; letter-spacing: .12em; text-transform: uppercase; }
.options-tax-path h3 { margin: 0 0 1rem; font-size: clamp(1.95rem, 3.05vw, 2.8rem); font-weight: 700; line-height: 1.04; letter-spacing: -.035em; }
.options-tax-path header > p:last-child { color: var(--opt-muted); }
.options-tax-path ol { margin: 2.2rem 0 0; padding: 0; list-style: none; counter-reset: tax-step; }
.options-tax-path li { position: relative; padding: 0 0 2rem 3rem; counter-increment: tax-step; }
.options-tax-path li:not(:last-child)::after { content: ""; position: absolute; left: .75rem; top: 1.7rem; bottom: .2rem; width: 1px; background: var(--opt-line); }
.options-tax-path li::before { content: counter(tax-step); position: absolute; left: 0; top: 0; display: grid; width: 1.55rem; height: 1.55rem; place-items: center; color: var(--opt-warm); background: var(--opt-forest); border-radius: 50%; font-size: .7rem; font-weight: 800; }
.options-tax-path li span { color: var(--opt-charcoal); font-weight: 800; }
.options-tax-path li p { margin: .4rem 0 0; color: var(--opt-muted); font-size: .94rem; }
.options-both { padding: var(--options-section-space) 0; color: var(--opt-warm); background: var(--opt-charcoal); }
.options-both h2 { margin: 0; color: var(--opt-warm); font-size: clamp(2.4rem, 4.7vw, 4.5rem); line-height: 1.02; }
.options-both__grid, .options-tax-questions__grid { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(3rem, 8vw, 8rem); align-items: center; }
.options-both__grid > p { color: rgba(250,250,247,.78); font-size: 1.05rem; }
.options-tax-questions { padding: var(--options-section-space) 0; }
.options-tax-questions h2 { margin: 0; font-size: clamp(2.3rem, 4.3vw, 4rem); }
.options-tax-questions ul, .options-existing-questions ul { margin: 0; padding: 0; list-style: none; }
.options-tax-questions li, .options-existing-questions li { padding: .9rem 0 .9rem 1.5rem; border-bottom: 1px solid var(--opt-line); position: relative; }
.options-tax-questions li::before, .options-existing-questions li::before { content: ""; position: absolute; left: 0; top: 1.55rem; width: .5rem; height: .5rem; background: var(--opt-gold); border-radius: 50%; }
.options-tax-note { margin-top: 2.3rem; padding-top: 1.4rem; color: var(--opt-muted); border-top: 1px solid var(--opt-line); font-size: .87rem; }

.options-existing-hero h1 { max-width: 16ch; }
.options-choices { padding: var(--options-section-space) 0; }
.options-choices__grid { display: grid; grid-template-columns: repeat(4, 1fr); border-top: 1px solid var(--opt-line); }
.options-choices__grid article { padding: 2rem 1.5rem 2rem 0; }
.options-choices__grid article + article { padding-left: 1.5rem; border-left: 1px solid var(--opt-line); }
.options-choices__grid span { color: var(--opt-gold); font-size: .72rem; font-weight: 800; }
.options-choices__grid h3 { min-height: 4.4rem; margin: .85rem 0; font-size: 1.55rem; line-height: 1.12; }
.options-choices__grid p { color: var(--opt-muted); font-size: .92rem; }
.options-mid-cta { padding: var(--options-section-space) 0; color: var(--opt-warm); background: var(--opt-forest); }
.options-mid-cta__grid { display: grid; grid-template-columns: 1.1fr .9fr; gap: clamp(3rem, 8vw, 8rem); align-items: center; }
.options-mid-cta h2 { margin: 0; color: var(--opt-warm); font-size: clamp(2.7rem, 5vw, 5rem); line-height: 1; }
.options-mid-cta p { color: rgba(250,250,247,.82); font-size: 1.08rem; }
.options-account-review { padding: var(--options-section-space) 0; background: var(--opt-sage); }
.options-account-review__grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1px; background: var(--opt-line); border: 1px solid var(--opt-line); }
.options-account-review__grid article { padding: clamp(1.8rem, 4vw, 3rem); background: var(--opt-warm); }
.options-account-review__grid h3 { margin: 0 0 .7rem; font-size: 1.65rem; }
.options-account-review__grid p { color: var(--opt-muted); }
.options-existing-questions { padding: var(--options-section-space) 0; }
.options-existing-questions__grid { display: grid; grid-template-columns: .85fr 1.15fr; gap: clamp(3rem, 8vw, 8rem); }
.options-existing-questions h2 { margin: 0; font-size: clamp(2.3rem, 4vw, 3.8rem); }

.options-about-hero { padding: var(--options-section-space) 0; color: var(--opt-warm); background: var(--opt-charcoal); }
.options-about-hero h1 { max-width: 15ch; color: var(--opt-warm); }
.options-about-hero .options-lead { max-width: 52rem; color: rgba(250,250,247,.75); }
.options-about-purpose { padding: var(--options-section-space) 0; }
.options-about-purpose__grid { display: grid; grid-template-columns: .7fr 1.3fr; gap: clamp(3rem, 9vw, 9rem); align-items: center; }
.options-about-purpose__logo { display: block; width: clamp(300px, 28vw, 380px); max-width: 100%; height: auto; justify-self: center; }
.options-about-purpose h2 { margin: 0 0 1rem; font-size: clamp(2.5rem, 4.8vw, 4.5rem); }
.options-about-purpose p { color: var(--opt-muted); font-size: 1.05rem; }
.options-about-work { padding: var(--options-section-space) 0; background: var(--opt-sage); }
.options-about-work__grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.2rem; }
.options-about-work__grid article { padding: 2rem; background: var(--opt-warm); border: 1px solid var(--opt-line); }
.options-about-work__grid h3 { margin: 0 0 .8rem; font-size: 1.6rem; }
.options-about-work__grid p { color: var(--opt-muted); }
.options-about-relationship { padding: var(--options-section-space) 0; }
.options-about-relationship__grid { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(3rem, 8vw, 8rem); align-items: center; }
.options-about-relationship h2 { margin: 0; font-size: clamp(2.4rem, 4.5vw, 4.2rem); }
.options-about-relationship__grid > p { color: var(--opt-muted); font-size: 1.05rem; }
.options-about-relationship .options-kicker--gold { color: var(--opt-gold); }

.site-403b-options .scheduler-page,
.site-403b-options .privacy-page,
.site-403b-options .disclosures-page,
.site-403b-options .terms-page,
.site-403b-options .accessibility-page { background: var(--opt-warm); }
.site-403b-options .scheduler-hero { background: linear-gradient(120deg, var(--opt-sage), var(--opt-warm)); }
.site-403b-options .scheduler-hero .eyebrow,
.site-403b-options .scheduler-privacy .text-link { color: var(--opt-gold); }
.site-403b-options .scheduler-hero h1 { color: var(--opt-charcoal); font-family: var(--opt-serif); }
.site-403b-options .scheduler,
.site-403b-options .appointment-summary,
.site-403b-options .privacy-toc,
.site-403b-options .privacy-callout,
.site-403b-options .disclosure-block,
.site-403b-options .terms-section,
.site-403b-options .accessibility-contact { border-color: var(--opt-line); border-radius: 0; box-shadow: none; }
.site-403b-options .appointment-summary__confirm:not(:disabled) { color: var(--opt-button-text); background: var(--opt-button-bg); border-color: var(--opt-button-bg); }
.site-403b-options .appointment-summary__confirm:not(:disabled):hover { color: var(--opt-button-hover-text); background: var(--opt-button-hover-bg); border-color: var(--opt-button-hover-bg); }
.site-403b-options .appointment-summary__confirm:not(:disabled):active { color: var(--opt-button-active-text); background: var(--opt-button-active-bg); border-color: var(--opt-button-active-bg); }
.site-403b-options .appointment-summary__confirm:disabled { color: var(--opt-button-disabled-text); background: var(--opt-button-disabled-bg); border-color: var(--opt-button-disabled-text); }
.site-403b-options .calendar__day { min-height: 2.75rem; }
.site-403b-options .calendar__nav:hover:not(:disabled),
.site-403b-options .time-slot:hover { color: var(--opt-button-hover-text); background: var(--color-gold-hover); border-color: var(--color-gold-hover); }
.site-403b-options .calendar__day.is-selected,
.site-403b-options .time-slot.is-selected { color: var(--opt-charcoal); background: var(--opt-gold); border-color: var(--opt-gold); }
.site-403b-options .scheduler-progress li[data-state='current']::after,
.site-403b-options .scheduler-progress li[data-state='current'] [data-progress-marker] { background: var(--opt-forest); border-color: var(--opt-forest); }
.site-403b-options .form-field input:focus-visible,
.site-403b-options .form-field select:focus-visible,
.site-403b-options .form-field textarea:focus-visible,
.site-403b-options .timezone-control select:focus-visible { outline-color: var(--opt-gold); }
.site-403b-options .privacy-hero,
.site-403b-options .disclosures-hero,
.site-403b-options .terms-hero,
.site-403b-options .accessibility-hero { padding-block: var(--options-section-space); background: var(--opt-sage); }
.site-403b-options .privacy-hero h1,
.site-403b-options .disclosures-hero h1,
.site-403b-options .terms-hero h1,
.site-403b-options .accessibility-hero h1 { color: var(--opt-charcoal); font-family: var(--opt-serif); }
.site-403b-options .disclosures-hero .eyebrow { color: var(--opt-gold); }
.site-403b-options .disclosures-questions { color: var(--opt-warm); background: var(--opt-charcoal); }
.site-403b-options .terms-dates dt { color: var(--opt-gold); }
.site-403b-options .terms-contact { color: var(--opt-warm); background: var(--opt-charcoal); }
.site-403b-options .privacy-layout { padding-top: var(--options-section-space); padding-bottom: var(--options-section-space); }
.site-403b-options .privacy-toc a:hover { color: var(--color-gold-hover); }
.site-403b-options .disclosures-section,
.site-403b-options .disclosures-questions,
.site-403b-options .accessibility-section,
.site-403b-options .accessibility-help,
.site-403b-options .terms-section,
.site-403b-options .terms-contact { padding-block: var(--options-section-space); }

.site-403b-options .footer { color: rgba(250,250,247,.78); background: var(--opt-forest); }
.site-403b-options .footer h2 { color: var(--opt-warm); }
.site-403b-options .footer a { color: rgba(250,250,247,.82); }
.site-403b-options .footer a:hover { color: var(--opt-gold); }
.site-403b-options .dro-footer-brand-lockup { display: flex; align-items: center; gap: .8rem; color: var(--opt-warm); font-family: var(--opt-serif); font-size: 1.25rem; }
.site-403b-options .dro-footer-brand-lockup img { width: 2.7rem; height: 2.7rem; object-fit: contain; }
.site-403b-options .footer__bottom { grid-template-columns: minmax(0, 1fr) auto; align-items: center; column-gap: 2rem; }
.site-403b-options .footer__bottom p:last-child { text-align: right; }

@media (min-width: 1600px) {
  .options-existing-home-hero { background-position: 52% 20%; }
}

@media (max-width: 1050px) {
  .site-403b-options .desktop-nav ul { gap: .9rem; }
  .site-403b-options .desktop-nav a:not(.button) { font-size: .75rem; }
  .options-annuity-hero .options-annuity-hero__grid { grid-template-columns: minmax(18rem, 46fr) minmax(0, 54fr); gap: 2.5rem; }
  .options-annuity-hero h1 { font-size: clamp(3rem, 5.6vw, 4.1rem); }
  .options-product-path { padding: 2rem; }
  .options-choices__grid { grid-template-columns: repeat(2, 1fr); }
  .options-choices__grid article:nth-child(3) { padding-left: 0; border-left: 0; border-top: 1px solid var(--opt-line); }
  .options-choices__grid article:nth-child(4) { border-top: 1px solid var(--opt-line); }
}

@media (max-width: 880px) {
  .options-shell { width: min(100% - 2rem, 46rem); }
  .options-hero { min-height: 43rem; background-position: 63% center; align-items: end; }
  .options-hero::before { background: linear-gradient(180deg, rgba(37,48,57,.08) 10%, rgba(27,59,43,.55) 40%, rgba(27,59,43,.97) 69%); }
  .options-hero__inner { padding-block: 14rem 3.5rem; }
  .options-hero__copy { max-width: 36rem; }
  .options-tax-home-hero { background-position: 42% center; }
  .options-tax-home-hero::before { background: linear-gradient(180deg, rgba(37,48,57,.08) 8%, rgba(27,59,43,.58) 39%, rgba(27,59,43,.98) 66%); }
  .options-tax-home-hero .options-hero__inner { display: block; }
  .options-tax-home-hero__copy { max-width: 40rem; }
  .options-tax-home-hero h1,
  .options-existing-home-hero h1 { font-size: clamp(2.85rem, 8vw, 4rem); }
  .options-existing-home-hero { background-position: 50% center; }
  .options-existing-home-hero__copy { max-width: 40rem; }
  .options-intro__grid,
  .options-stages__header,
  .options-closing__grid,
  .options-page-hero__grid,
  .options-both__grid,
  .options-tax-questions__grid,
  .options-mid-cta__grid,
  .options-existing-questions__grid,
  .options-about-relationship__grid { grid-template-columns: 1fr; }
  .options-pathways__grid { grid-template-columns: 1fr; }
  .options-pathway-card, .options-pathway-card + .options-pathway-card { padding: 2rem 0; border-left: 0; border-top: 1px solid var(--opt-line); }
  .options-pathway-card h3 { min-height: 0; }
  .options-stage-panel { grid-template-columns: 1fr; gap: 2rem; }
  .options-page-hero__grid { gap: 2.5rem; }
  .options-annuity-hero .options-annuity-hero__grid { grid-template-columns: minmax(17rem, 46fr) minmax(0, 54fr); gap: 2rem; }
  .options-annuity-hero h1 { font-size: clamp(2.85rem, 6.2vw, 3.5rem); }
  .options-editorial-image { max-width: 38rem; }
  .options-editorial-image img { aspect-ratio: 4 / 3; }
  .options-tax-paths__grid { grid-template-columns: 1fr; }
  .options-account-review__grid,
  .options-about-work__grid { grid-template-columns: 1fr; }
  .options-about-purpose__grid { grid-template-columns: 15rem 1fr; gap: 2rem; }
}

@media (max-width: 760px) {
  .options-annuity-hero .options-annuity-hero__grid { width: min(100% - 2rem, 46rem); grid-template-columns: 1fr; gap: 2.5rem; }
  .options-annuity-hero__copy { grid-column: 1; grid-row: 1; }
  .options-annuity-hero h1 { max-width: 15ch; font-size: clamp(2.75rem, 9vw, 3.4rem); }
  .options-annuity-hero .options-editorial-image { grid-column: 1; grid-row: 2; width: min(100%, 34rem); justify-self: start; }
  .options-topic-panel__paths,
  .options-review-questions__grid { grid-template-columns: 1fr; }
  .options-review-questions__grid { gap: 2.5rem; }
}

@media (max-width: 620px) {
  .site-403b-options .header__inner { min-height: 4.7rem; }
  .site-403b-options .brand__logo { width: 10.4rem; }
  .site-403b-options .footer__bottom { grid-template-columns: 1fr; }
  .site-403b-options .footer__bottom p:last-child { text-align: left; }
  .options-shell { width: calc(100% - 1.5rem); }
  .options-hero { min-height: 42rem; background-position: 67% center; }
  .options-tax-home-hero { background-position: 36% center; }
  .options-existing-home-hero { background-position: 50% center; }
  .options-hero h1 { font-size: clamp(2.65rem, 13vw, 4rem); }
  .options-hero__inner { padding-bottom: 2.5rem; }
  .options-tax-home-hero .options-hero__inner { padding-top: 10rem; }
  .options-existing-home-hero .options-hero__inner { padding-top: 10rem; }
  .options-tax-home-hero h1,
  .options-existing-home-hero h1 { font-size: clamp(2.55rem, 12vw, 3.35rem); line-height: 1; }
  .options-intro,
  .options-pathways,
  .options-stages,
  .options-closing,
  .options-review-questions,
  .options-page-hero,
  .options-tax-paths,
  .options-both,
  .options-tax-questions,
  .options-choices,
  .options-account-review,
  .options-existing-questions,
  .options-about-hero,
  .options-about-purpose,
  .options-about-work,
  .options-about-relationship { padding-block: 4rem; }
  .options-tax-hero, .options-existing-hero { padding-top: 4rem; }
  .options-page h1, .options-existing-hero h1, .options-tax-hero h1, .options-about-hero h1 { font-size: clamp(2.65rem, 12vw, 4rem); }
  .options-annuity-hero { padding-block: 3.5rem; }
  .options-annuity-hero .options-annuity-hero__grid { width: calc(100% - 1.5rem); gap: 2rem; }
  .options-annuity-hero h1 { font-size: clamp(2.65rem, 12vw, 3.35rem); line-height: 1.02; }
  .options-annuity-hero .options-editorial-image img { aspect-ratio: 4 / 5; object-position: center; }
  .options-topic-tabs { grid-template-columns: repeat(2, minmax(0, 1fr)); gap: .45rem; }
  .options-topic-tabs button { min-height: 3.8rem; padding-inline: .55rem; font-size: .78rem; line-height: 1.25; }
  .options-topic-tabs button:last-child { grid-column: 1 / -1; }
  .options-active-topic { width: 100%; }
  .options-topic-panel { padding: .7rem; }
  .options-product-path { padding: 1.6rem; }
  .options-product-path h4 { font-size: clamp(1.8rem, 9vw, 2.5rem); }
  .options-topic-pagination { gap: .5rem; }
  .options-topic-pagination__button { min-width: 0; padding-inline: .75rem; }
  .options-editorial-image::before { right: 0; }
  .options-choices__grid { grid-template-columns: 1fr; }
  .options-choices__grid article,
  .options-choices__grid article + article,
  .options-choices__grid article:nth-child(3) { padding: 1.5rem 0; border-left: 0; border-top: 1px solid var(--opt-line); }
  .options-choices__grid h3 { min-height: 0; }
  .options-tax-hero__image, .options-existing-hero__image { width: 100%; margin-top: 2rem; }
  .options-tax-hero__image img { aspect-ratio: 4 / 3; object-position: 42% center; }
  .options-existing-hero__image img { aspect-ratio: 4 / 3; object-position: 48% center; }
  .options-about-purpose__grid { grid-template-columns: 1fr; }
  .options-about-purpose__logo { width: clamp(240px, 72vw, 280px); max-width: 100%; }
  .options-mid-cta { padding-block: 4rem; }
  .site-403b-options .privacy-hero,
  .site-403b-options .disclosures-hero,
  .site-403b-options .terms-hero,
  .site-403b-options .accessibility-hero,
  .site-403b-options .disclosures-section,
  .site-403b-options .disclosures-questions,
  .site-403b-options .accessibility-section,
  .site-403b-options .accessibility-help,
  .site-403b-options .terms-section,
  .site-403b-options .terms-contact { padding-block: 4rem; }
  .site-403b-options .privacy-layout { padding-top: 4rem; padding-bottom: 4rem; }
  .options-stage-tabs { grid-template-columns: 1fr; gap: .55rem; }
  .options-stage-tabs button { min-height: 3.25rem; border-radius: 1rem; }
  .options-stage-panel { padding: 1.5rem; }
  .options-stage-panel li { padding-left: 2.5rem; }
}

@media (prefers-reduced-motion: reduce) {
  .site-403b-options *, .site-403b-options *::before, .site-403b-options *::after { scroll-behavior: auto !important; transition-duration: .01ms !important; animation-duration: .01ms !important; }
}