/* ── PAGE HERO ── */ .page-hero{background:linear-gradient(150deg,var(--navy) 0%,var(--navy-mid) 60%,var(--navy-light) 100%);padding:52px 24px 64px;text-align:center;position:relative;overflow:hidden} .page-hero::after{content:'';position:absolute;bottom:-1px;left:0;right:0;height:48px;background:var(--cream);clip-path:ellipse(55% 100% at 50% 100%)} .page-hero::before{content:'';position:absolute;inset:0;background-image:url("data:image/svg+xml,%3Csvg width='60' height='60' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M54 0L60 6 6 60 0 54z' fill='rgba(255,255,255,.018)'/%3E%3Cpath d='M0 0L6 0 60 54 60 60z' fill='rgba(255,255,255,.018)'/%3E%3C/svg%3E")} .hero-inner{position:relative;z-index:1;max-width:700px;margin:0 auto} .hero-pill{display:inline-flex;align-items:center;gap:8px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.25);border-radius:30px;padding:7px 16px;margin-bottom:20px} .hero-pill .star{color:var(--gold);font-size:13px;letter-spacing:1px} .hero-pill span{font-size:12px;font-weight:700;color:rgba(255,255,255,.85);text-transform:uppercase;letter-spacing:.04em} .page-hero h1{font-family:'Playfair Display',serif;font-size:clamp(26px,4.5vw,44px);font-weight:700;color:#fff;line-height:1.15;margin-bottom:14px} .page-hero h1 em{color:var(--gold);font-style:normal} .page-hero p{color:rgba(255,255,255,.75);font-size:15.5px;line-height:1.7;max-width:560px;margin:0 auto 24px} .hero-proof{display:flex;flex-wrap:wrap;justify-content:center;gap:10px 28px} .hero-proof-item{color:rgba(255,255,255,.88);font-size:13.5px;font-weight:700;display:flex;align-items:center;gap:7px} .hero-proof-item::before{content:'';width:16px;height:16px;border-radius:50%;background:var(--green);flex-shrink:0;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 18 18'%3E%3Cpath d='M4 9l3.5 3.5L14 6' stroke='white' stroke-width='2' fill='none' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");background-size:cover}

/* ── PAGE LAYOUT ── */ .page-wrap{max-width:740px;margin:0 auto;padding:48px 20px 80px}

/* ── QUIZ CARD ── */ .quiz-card{background:#fff;border-radius:20px;box-shadow:var(--sh-lg);overflow:hidden;border-top:4px solid var(--gold)} .quiz-card-head{background:var(--navy);padding:20px 28px 16px;text-align:center} .quiz-card-head strong{font-family:'Playfair Display',serif;font-size:19px;font-weight:700;color:#fff;display:block;margin-bottom:4px} .quiz-card-head span{font-size:12px;color:rgba(255,255,255,.58)} .quiz-progress-wrap{background:rgba(255,255,255,.12);height:4px} .quiz-progress-bar{background:var(--gold);height:100%;transition:width .4s ease;width:0%}

/* ── GATE ── */ .quiz-gate{padding:28px 28px 24px} .gate-eyebrow{font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.14em;color:var(--green);margin-bottom:8px} .gate-title{font-family:'Playfair Display',serif;font-size:20px;font-weight:700;color:var(--navy);margin-bottom:8px;line-height:1.25} .gate-sub{font-size:13.5px;color:var(--gray);margin-bottom:22px;line-height:1.6} .gfrow{display:flex;gap:12px} .gfg{flex:1;margin-bottom:12px} .gfg label{display:block;font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:.08em;color:var(--gray);margin-bottom:4px} .gfg input{width:100%;padding:12px 14px;border:1.5px solid var(--border);border-radius:var(--r);font-size:14px;font-family:'Lato',sans-serif;color:var(--text);background:#fafbfc;outline:none;transition:border-color .16s,box-shadow .16s} .gfg input:focus{border-color:var(--navy);background:#fff;box-shadow:0 0 0 3px rgba(30,43,94,.07)} .gfg input.err{border-color:#c0392b} .btn-start{display:block;width:100%;background:var(--green);color:#fff;font-family:'Lato',sans-serif;font-size:16px;font-weight:900;text-transform:uppercase;letter-spacing:.06em;padding:16px;border:none;border-radius:var(--r);cursor:pointer;box-shadow:0 5px 18px rgba(74,155,63,.38);transition:background .14s,transform .1s;margin-top:4px} .btn-start:hover{background:var(--green-h);transform:translateY(-1px)} .gate-lock{font-size:11px;color:var(--gray-lt);text-align:center;margin-top:10px} .gate-disclaimer{font-size:10px;color:var(--gray-lt);text-align:center;margin-top:10px;line-height:1.6;padding:10px 4px 0;border-top:1px solid var(--border)}

/* ── QUIZ INNER ── */ .quiz-inner{padding:22px 28px 28px}

/* Meter */ .readiness-meter{display:flex;align-items:center;gap:12px;background:var(--offwhite);border-radius:10px;padding:12px 16px;margin-bottom:20px;border:1px solid var(--border)} .meter-label{font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:.08em;color:var(--gray);flex-shrink:0;white-space:nowrap} .meter-bar-wrap{flex:1;height:8px;background:var(--border);border-radius:4px;overflow:hidden} .meter-bar{height:100%;border-radius:4px;transition:width .5s ease,background .5s ease;width:100%} .meter-bar.strong{background:var(--green)} .meter-bar.moderate{background:var(--gold)} .meter-bar.gaps{background:#d4680a} .meter-bar.exposed{background:#c0392b} .meter-text{font-size:11px;font-weight:700;flex-shrink:0;color:var(--gray);min-width:80px;text-align:right;transition:color .3s}

/* Step dots */ .step-dots{display:flex;align-items:center;justify-content:center;gap:8px;margin-bottom:20px} .step-dot{width:30px;height:30px;border-radius:50%;border:2px solid var(--border);background:var(--offwhite);display:flex;align-items:center;justify-content:center;font-size:11px;font-weight:900;color:var(--gray-lt);transition:all .25s;flex-shrink:0} .step-dot.done{background:var(--navy);border-color:var(--navy);color:#fff} .step-dot.active{background:var(--gold);border-color:var(--gold);color:#fff;transform:scale(1.18);box-shadow:0 4px 12px rgba(201,168,76,.4)} .step-dot-line{flex:1;height:2px;background:var(--border);border-radius:1px;max-width:32px;transition:background .25s} .step-dot-line.done{background:var(--navy)}

/* Steps */ .qstep{display:none} .qstep.active{display:block;animation:fadeSlide .28s ease both} @keyframes fadeSlide{from{opacity:0;transform:translateX(10px)}to{opacity:1;transform:translateX(0)}} .qstep-label{font-size:11px;font-weight:900;text-transform:uppercase;letter-spacing:.12em;color:var(--navy-light);margin-bottom:8px;display:flex;justify-content:space-between;align-items:center} .qstep-badge{background:var(--navy);color:var(--gold);font-family:'Playfair Display',serif;font-size:14px;font-weight:700;width:32px;height:32px;border-radius:50%;display:flex;align-items:center;justify-content:center;flex-shrink:0} .qstep-q{font-family:'Playfair Display',serif;font-size:17px;font-weight:700;color:var(--navy);margin-bottom:5px;line-height:1.3} .qstep-sub{font-size:12.5px;color:var(--gray);margin-bottom:16px;line-height:1.55}

/* Options */ .qopts{display:flex;flex-direction:column;gap:8px} .qopt{display:flex;align-items:center;gap:13px;padding:13px 16px;border:1.5px solid var(--border);border-radius:11px;cursor:pointer;transition:all .14s;background:var(--offwhite)} .qopt:hover{border-color:var(--navy-light);background:var(--navy-pale);transform:translateX(2px)} .qopt.sel{border-color:var(--navy);background:var(--navy-pale);box-shadow:0 2px 12px rgba(30,43,94,.1)} .qopt-icon{font-size:18px;width:28px;text-align:center;flex-shrink:0} .qopt-body{flex:1} .qopt-body strong{display:block;font-size:13.5px;font-weight:700;color:var(--navy);margin-bottom:2px} .qopt-body span{font-size:12px;color:var(--gray)} .qopt-chk{width:20px;height:20px;border-radius:50%;border:2px solid var(--border);flex-shrink:0;background:#fff;position:relative;transition:all .14s} .qopt-chk::after{content:'';position:absolute;top:50%;left:50%;transform:translate(-50%,-50%);width:9px;height:9px;border-radius:50%;background:transparent;transition:background .14s} .qopt.sel .qopt-chk{border-color:var(--navy);background:var(--navy)} .qopt.sel .qopt-chk::after{background:#fff}

/* Nav */ .qnav{display:flex;align-items:center;justify-content:space-between;margin-top:18px;padding-top:16px;border-top:1px solid var(--border)} .qstep-ind{font-size:11px;color:var(--gray-lt);font-weight:700;letter-spacing:.06em} .btn-next{background:var(--green);color:#fff;font-family:'Lato',sans-serif;font-size:14px;font-weight:900;text-transform:uppercase;letter-spacing:.06em;padding:12px 24px;border:none;border-radius:8px;cursor:pointer;transition:background .14s,transform .1s;box-shadow:0 4px 12px rgba(74,155,63,.32)} .btn-next:hover{background:var(--green-h);transform:translateY(-1px)} .btn-next:disabled{opacity:.28;cursor:not-allowed;transform:none;box-shadow:none} .btn-back{background:none;border:1.5px solid var(--border);color:var(--gray);font-family:'Lato',sans-serif;font-size:13px;font-weight:700;padding:10px 16px;border-radius:8px;cursor:pointer;transition:all .14s} .btn-back:hover{border-color:var(--gray);color:var(--navy)}

/* ── RESULT ── */ .result-wrap{padding:28px 28px 32px} .result-score-row{display:flex;align-items:center;justify-content:center;gap:20px;margin-bottom:18px} .result-emoji{font-size:56px;line-height:1;filter:drop-shadow(0 4px 14px rgba(0,0,0,.2));animation:emojiPop .4s cubic-bezier(.2,.8,.3,1) both} @keyframes emojiPop{from{opacity:0;transform:scale(.4)}to{opacity:1;transform:scale(1)}} .result-ring{width:116px;height:116px;border-radius:50%;background:var(--navy-pale);border:5px solid var(--gold);display:flex;flex-direction:column;align-items:center;justify-content:center;gap:2px;box-shadow:0 8px 32px rgba(30,43,94,.18);animation:ringPop .45s cubic-bezier(.2,.8,.3,1) both} @keyframes ringPop{from{opacity:0;transform:scale(.6)}to{opacity:1;transform:scale(1)}} .result-score-num{font-family:'Playfair Display',serif;font-size:42px;font-weight:700;color:var(--navy);line-height:1} .result-score-sub{font-size:9px;font-weight:700;color:var(--gray-lt);text-transform:uppercase;letter-spacing:.14em} .result-grade{font-family:'Playfair Display',serif;font-size:13px;font-weight:700;text-transform:uppercase;letter-spacing:.2em;text-align:center;margin-bottom:8px} .result-grade.secure{color:#4a9b3f} .result-grade.partial{color:var(--gold)} .result-grade.exposed{color:#c0392b} .result-title{font-family:'Playfair Display',serif;font-size:clamp(17px,3vw,22px);font-weight:700;color:var(--navy);text-align:center;margin-bottom:8px;line-height:1.25} .result-sub{font-size:13.5px;color:var(--gray);text-align:center;line-height:1.65;margin-bottom:24px;max-width:560px;margin-left:auto;margin-right:auto} .gold-divider{height:3px;background:linear-gradient(90deg,transparent,var(--gold),transparent);margin-bottom:22px;border-radius:2px}

/* Recs */ .result-recs{display:flex;flex-direction:column;gap:12px;margin-bottom:20px} .result-rec{display:flex;gap:13px;align-items:flex-start;padding:14px 16px;border-radius:12px;background:var(--navy-pale);border-left:3px solid var(--navy)} .rec-icon{font-size:18px;flex-shrink:0;margin-top:1px} .rec-body strong{display:block;font-size:11.5px;font-weight:900;color:var(--navy);text-transform:uppercase;letter-spacing:.05em;margin-bottom:3px} .rec-body p{font-size:13px;color:var(--gray);line-height:1.6;margin:0}

/* Next steps */ .result-nextsteps{background:var(--navy-pale);border-radius:12px;padding:16px 18px;margin-bottom:20px;border-left:4px solid var(--navy-light)} .result-nextsteps strong{font-size:11px;color:var(--navy);font-weight:900;text-transform:uppercase;letter-spacing:.07em;display:block;margin-bottom:10px} .result-nextsteps ol{padding-left:18px;display:flex;flex-direction:column;gap:6px} .result-nextsteps ol li{font-size:13px;color:var(--gray);line-height:1.58} .result-nextsteps ol li b{color:var(--navy)}

/* Urgency */ .result-urgency{background:linear-gradient(135deg,#fff9ec,#fff4d6);border:1px solid rgba(201,168,76,.28);border-left:4px solid var(--gold);border-radius:12px;padding:16px 18px;margin-bottom:26px} .result-urgency strong{font-size:13px;color:var(--navy);font-weight:900;display:block;margin-bottom:5px} .result-urgency p{font-size:13px;color:var(--gray);line-height:1.58;margin:0}

/* CTA */ .result-cta{display:flex;flex-direction:column;gap:12px} .btn-cal{display:flex;align-items:center;justify-content:center;gap:9px;background:var(--green);color:#fff;font-family:'Lato',sans-serif;font-size:17px;font-weight:900;text-transform:uppercase;letter-spacing:.06em;padding:17px 32px;border-radius:12px;border:none;cursor:pointer;box-shadow:0 6px 24px rgba(74,155,63,.45);transition:transform .14s,box-shadow .14s;width:100%} .btn-cal:hover{transform:translateY(-1px);box-shadow:0 8px 32px rgba(74,155,63,.58)} .btn-phone{display:flex;align-items:center;justify-content:center;gap:9px;background:var(--navy);color:#fff;font-family:'Lato',sans-serif;font-size:15px;font-weight:900;text-transform:uppercase;letter-spacing:.06em;padding:14px 32px;border-radius:10px;border:none;cursor:pointer;text-decoration:none;box-shadow:var(--sh);transition:background .14s;width:100%} .btn-phone:hover{background:var(--navy-mid)} .result-lock{font-size:11px;color:var(--gray-lt);text-align:center;margin-top:6px} .result-restart{font-size:12px;color:var(--gray-lt);text-align:center;margin-top:12px} .result-restart a{color:var(--navy-light);font-weight:700;cursor:pointer;text-decoration:underline}

/* ── TRUST STRIP ── */ .trust-strip{display:flex;flex-wrap:wrap;align-items:center;justify-content:center;gap:20px 36px;background:#fff;border-radius:14px;padding:20px 24px;margin-bottom:32px;box-shadow:var(--sh);border:1px solid var(--border)} .trust-item{display:flex;flex-direction:column;align-items:center;gap:3px} .trust-num{font-family:'Playfair Display',serif;font-size:26px;font-weight:700;color:var(--navy);line-height:1} .trust-lab{font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:.07em;color:var(--gray-lt);text-align:center;max-width:100px;line-height:1.4} .trust-div{width:1px;height:36px;background:var(--border)}

/* ── WHY SECTION ── */ .why-section{margin-top:48px} .why-label{font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.16em;color:var(--green);margin-bottom:8px;display:block} .why-title{font-family:'Playfair Display',serif;font-size:clamp(20px,3.5vw,28px);font-weight:700;color:var(--navy);margin-bottom:6px;line-height:1.2} .why-sub{font-size:14px;color:var(--gray);line-height:1.75;margin-bottom:28px} .why-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:14px} .why-card{background:#fff;border-radius:12px;padding:20px 18px;box-shadow:var(--sh);border-left:4px solid var(--gold)} .why-icon{font-size:24px;margin-bottom:10px} .why-card h4{font-family:'Playfair Display',serif;font-size:15px;font-weight:700;color:var(--navy);margin-bottom:6px;line-height:1.3} .why-card p{font-size:13px;color:var(--gray);line-height:1.65}

/* ── FOOTER ── */ .page-footer{text-align:center;padding:32px 20px;font-size:12px;color:var(--gray-lt);line-height:2;border-top:1px solid var(--border)} .page-footer a{color:var(--gray-lt);text-decoration:underline} .page-footer strong{color:var(--gray)}

/* ── RESPONSIVE ── */ @media(max-width:540px){ .page-hero{padding:36px 16px 52px} .page-wrap{padding:32px 14px 60px} .quiz-gate,.quiz-inner,.result-wrap{padding:20px 18px 24px} .gfrow{flex-direction:column;gap:0} .step-dot-line{max-width:18px} .trust-div{display:none} .why-grid{grid-template-columns:1fr} .result-score-row{gap:14px} .result-ring{width:100px;height:100px} .result-score-num{font-size:36px} } @media(min-width:541px){ .result-cta{flex-direction:column} }

function startQuiz(){ var g1=document.getElementById('g1'),g2=document.getElementById('g2'), g3=document.getElementById('g3'),g4=document.getElementById('g4'); var digits=g3.value.replace(/[^0-9]/g,''); var ok=true; [g1,g2,g3,g4].forEach(function(f){f.classList.remove('err');}); if(!g1.value.trim()){g1.classList.add('err');ok=false;} if(!g2.value.trim()){g2.classList.add('err');ok=false;} if(digits.length!==10){g3.classList.add('err');ok=false;} if(!g4.value.trim()||g4.value.indexOf('@')===-1){g4.classList.add('err');ok=false;} if(!ok)return; gateData={first:g1.value.trim(),last:g2.value.trim(),phone:g3.value.trim(),email:g4.value.trim()}; document.getElementById('quizGate').style.display='none'; document.getElementById('quizInner').style.display='block'; updateBar(1);updateDots(1);renderMeter(); document.getElementById('quiz-top').scrollIntoView({behavior:'smooth',block:'start'}); }

function updateBar(s){document.getElementById('qpBar').style.width=((s-1)/TOTAL*100)+'%';}

function updateDots(cur){ for(var i=1;i<=TOTAL;i++){ var dot=document.getElementById('dot'+i),line=document.getElementById('line'+i); if(!dot)continue; dot.className='step-dot'; if(i=75){cls='strong';label='Well Protected';color='var(--green)';} else if(s>=50){cls='moderate';label='Partial Coverage';color='var(--gold)';} else if(s>=25){cls='gaps';label='Significant Gaps';color='#d4680a';} else{cls='exposed';label='Family Exposed';color='#c0392b';} bar.style.width=s+'%'; bar.className='meter-bar '+cls; txt.textContent=label; txt.style.color=color; }

function pickOpt(el,key,val,step,delta){ el.closest('.qopts').querySelectorAll('.qopt').forEach(function(o){o.classList.remove('sel');}); el.classList.add('sel'); if(scoreDeltas['s'+step]!==undefined)score-=scoreDeltas['s'+step]; scoreDeltas['s'+step]=delta||0; score=Math.max(0,Math.min(100,score+(delta||0))); qa[key]=val; renderMeter(); var nb=document.getElementById('qn'+step); if(nb)nb.disabled=false; }

function goNext(cur){ document.getElementById('qs'+cur).classList.remove('active'); var nxt=document.getElementById('qs'+(cur+1)); if(nxt){nxt.classList.add('active');updateBar(cur+1);updateDots(cur+1);} document.getElementById('quiz-top').scrollIntoView({behavior:'smooth',block:'start'}); } function goBack(cur){ document.getElementById('qs'+cur).classList.remove('active'); var prev=document.getElementById('qs'+(cur-1)); if(prev){prev.classList.add('active');updateBar(cur-1);updateDots(cur-1);} document.getElementById('quiz-top').scrollIntoView({behavior:'smooth',block:'start'}); }

function showResult(){ document.getElementById('qs5').classList.remove('active'); document.getElementById('quizInner').style.display='none'; document.getElementById('qpBar').style.width='100%'; updateDots(TOTAL+1);

var docs=qa['docs']||'none',incap=qa['incap']||'none', probate=qa['probate']||'none',situation=qa['situation']||'none',size=qa['size']||'under250'; var s=Math.max(0,Math.min(100,score));

var band,grade,gradeCls,title,sub; if(s>=75){band='secure';grade='Reasonably Protected';gradeCls='secure'; title='Your Foundation Is Better Than Most — A Few Things to Confirm'; sub='Based on your answers, you have taken meaningful steps. The most important thing now is confirming your trust is properly funded, your beneficiary designations are coordinated, and your plan reflects your current life. Here is what we found.';} else if(s>=45){band='partial';grade='Partial Protection';gradeCls='partial'; title='Your Family Has a Start — But Meaningful Gaps Remain'; sub='You have begun the process, but several elements still leave your family exposed. Here is exactly what is missing and what it means for the people you love most.';} else{band='exposed';grade='Your Family Is Currently Exposed';gradeCls='exposed'; title='Significant Planning Gaps Were Identified'; sub='Based on your answers, your family faces real legal and financial risk if something happened today. These gaps are specific to Florida law. Here is what needs to change — and how quickly we can fix it.';}

document.getElementById('rScore').textContent=s; var gradeEl=document.getElementById('rGrade'); gradeEl.className='result-grade '+gradeCls; gradeEl.textContent=grade; document.getElementById('rTitle').textContent=title; document.getElementById('rSub').textContent=sub;

var ring=document.getElementById('rRing'),emojiEl=document.getElementById('rEmoji'); var ringColor,emoji; if(s>=75){ringColor='#4a9b3f';emoji='😊';} else if(s>=45){ringColor='var(--gold)';emoji='😟';} else if(s>=25){ringColor='#d4680a';emoji='😰';} else{ringColor='#c0392b';emoji='😱';} ring.style.borderColor=ringColor; emojiEl.textContent=emoji; emojiEl.style.animation='none'; void emojiEl.offsetWidth; emojiEl.style.animation='';

/* Recs */ var recs=[]; if(docs==='none') recs.push({i:'🚨',t:'No Plan Exists — Florida Courts Will Decide Everything',b:'Without any documents, Florida intestacy law controls your estate, a court decides who raises your minor children, and every asset must go through public probate before your family receives anything.'}); if(docs==='will_only'||docs==='will_poa') recs.push({i:'⚠️',t:'A Will Alone Does Not Avoid Probate — Here Is the Real Cost',b:'A will is instructions for the probate court — your family still faces a 9–24 month court process. Under §733.6171, attorney fees run ~3% on the first $1M. On a $400,000 estate that is $12,000 your heirs never needed to pay.'}); if(docs==='trust_unfunded') recs.push({i:'⚠️',t:'An Unfunded Trust Is Just Paper — It Protects Nothing',b:'Your home must be re-deeded into the trust. Bank and investment accounts must be re-titled. This is the step most law firms skip — and the one The Siegel Law Group takes as standard.'}); if(docs==='outdated') recs.push({i:'🔄',t:'Outdated Documents Can Be as Dangerous as No Documents',b:'A plan drafted before a move to Florida, a divorce, a remarriage, or the birth of a grandchild may have gaps that conflict with your current wishes. Bring what you have — we will show you what needs updating.'}); if(incap==='none'||incap==='spouse') recs.push({i:'📋',t:'No Legal Authority If You Cannot Speak — Florida Does Not Grant This Automatically',b:'Your spouse cannot access your individual bank accounts or make medical decisions without specific signed documents. Without them, a Florida court must appoint a guardian at the worst possible moment.'}); if(probate==='none'||probate==='unsure') recs.push({i:'🏠',t:'Your Assets Are Exposed to Florida Probate Court',b:'On a $500,000 estate, that is $15,000 in attorney fees your heirs lose unnecessarily — plus 9–24 months of waiting. A properly funded revocable living trust eliminates this entirely.'}); if(situation==='blended') recs.push({i:'💍',t:'Blended Family Law Requires Specific Trust Structuring',b:'Under §732.201, your surviving spouse can claim 30% of your elective estate regardless of your will — reaching your revocable trust assets and retirement accounts. Careful structuring is the solution.'}); if(situation==='minors') recs.push({i:'👶',t:'Guardian Designation and Minor Child Inheritance Protection',b:'A will designates who raises your children — without it, a Florida court decides. A trust controls when and how they receive their inheritance, not the court.'}); if(situation==='bloodline') recs.push({i:'🌳',t:'Bloodline Planning Keeps Assets in Your Family',b:'Without specific trust language, an inheritance received by your child today can become marital property and disappear in a future divorce. Bloodline protection is built into every trust we create.'}); if(situation==='ira') recs.push({i:'💼',t:'The SECURE Act Changed How Inherited IRAs Work',b:'Most non-spouse beneficiaries must now withdraw an entire inherited IRA within 10 years — creating unexpected tax bills. An IRA Trust manages distributions strategically.'}); if(situation==='snowbird') recs.push({i:'☀️',t:'Your Out-of-State Plan May Have Gaps Under Florida Law',b:'A plan created in another state may not account for Florida\'s homestead protections, the Lady Bird deed, or Florida\'s specific elective share rules — all of which affect your heirs.'}); if(situation==='specialneeds') recs.push({i:'❤️',t:'A Direct Inheritance Eliminates Government Benefits',b:'Naming a person with a disability as a direct beneficiary can immediately disqualify them from SSI and Medicaid. A properly structured special needs trust prevents this entirely.'}); if(recs.length===0) recs.push({i:'✅',t:'A Review Will Confirm Everything Is in Order',b:'Confirm your trust is funded, designations are coordinated, and your plan reflects your current life and Florida law. We review every estate plan every three years for exactly this reason.'}); if(recs.length>4)recs=recs.slice(0,4);

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