Qwen Qwen3.7 Plus – Personal Finance

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  • Total Violations 6
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  • Em Dashes 20

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<!DOCTYPE html>
<html lang="en">
<head>
<meta charset="UTF-8">
<meta name="viewport" content="width=device-width, initial-scale=1.0">
<title>Meridian Wealth — Your Compass to Financial Clarity</title>
<meta name="description" content="Meridian Wealth helps you build credit, grow wealth, and plan for retirement with expert guidance, smart tools, and personalized financial planning.">
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  /* ============ CREDIT SECTION ============ */
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  /* ============ WEALTH / CALCULATOR ============ */
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  .bar-row span.value{width:110px;text-align:right;font-weight:600}

  /* ============ PLANNING / TESTIMONIALS ============ */
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  /* ============ FAQ ============ */
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    .calc-wrap{padding:24px}
    .calc-result .big{font-size:2.2rem}
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</style>
</head>
<body>

<!-- ============ HEADER ============ -->
<header class="site-header">
  <div class="container header-inner">
    <a href="#" class="brand" aria-label="Meridian Wealth home">
      <div class="brand-logo">
        <img src="https://placehold.co/92x92/0b2545/d4a24c?text=MW&font=playfair+display" alt="Meridian Wealth logo">
      </div>
      <div class="brand-text">
        <h1>Meridian Wealth</h1>
        <small>Your compass to financial clarity</small>
      </div>
    </a>
    <nav class="primary" aria-label="Primary">
      <a href="#budget">Budget Planner</a>
      <a href="#banking">Banking</a>
      <a href="#insurance">Insurance</a>
      <a href="#credit">Credit</a>
      <a href="#wealth">Investing</a>
      <a href="#planning">Retirement</a>
      <a href="#faq">Resources</a>
    </nav>
    <div class="header-cta">
      <a href="#contact" class="btn btn-accent">Talk to Advisor</a>
      <button class="menu-toggle" aria-label="Menu">☰</button>
    </div>
  </div>
</header>

<!-- ============ HERO ============ -->
<section class="hero">
  <div class="container hero-grid">
    <div>
      <span class="eyebrow">Trusted by 240,000+ households</span>
      <h1>Master your money. <span>Build the life</span> you're planning for.</h1>
      <p class="lead">
        From your first savings account to a fully diversified retirement portfolio, Meridian Wealth pairs
        fiduciary-grade advice with intuitive tools. We help you eliminate high-interest debt, raise your
        credit score, and put compound interest to work — so every dollar has a purpose and a path.
      </p>
      <div class="hero-ctas">
        <a href="#wealth" class="btn btn-primary">Plan Retirement</a>
        <a href="#credit" class="btn btn-ghost">Check Credit Score</a>
      </div>
      <div class="hero-stats">
        <div><h3>$4.2B</h3><p>Assets guided</p></div>
        <div><h3>782</h3><p>Avg. credit lift</p></div>
        <div><h3>4.9★</h3><p>Client rating</p></div>
        <div><h3>18 yrs</h3><p>Fiduciary record</p></div>
      </div>
    </div>
    <div class="hero-visual">
      <div class="hero-card">
        <img src="https://picsum.photos/600/420?blur=1" alt="Financial planning consultation">
      </div>
      <div class="hero-badge">
        <strong>+12.4%</strong>
        <span>Avg. annual portfolio growth</span>
      </div>
    </div>
  </div>
</section>

<!-- ============ TRUST BAR ============ -->
<section class="trust">
  <div class="container trust-inner">
    <p>Featured in</p>
    <div class="trust-logos">
      <span>Forbes</span>
      <span>Bloomberg</span>
      <span>The Wall Street Journal</span>
      <span>NerdWallet</span>
      <span>Investopedia</span>
    </div>
  </div>
</section>

<!-- ============ FEATURES ============ -->
<section class="features" id="banking">
  <div class="container">
    <div class="section-head">
      <span class="eyebrow">What we offer</span>
      <h2>A complete financial toolkit, built around your goals</h2>
      <p>Whether you're paying down student loans, buying your first home, or preparing for a second act, our platform connects the right products to the right moment in your journey.</p>
    </div>
    <div class="feature-grid">
      <div class="feature-card" id="budget">
        <div class="feature-icon">$</div>
        <h3>Budget Planner</h3>
        <p>Zero-based budgeting meets envelope logic. Track cash flow across checking, savings, and credit accounts, then auto-allocate surplus toward your highest-priority goals each month.</p>
        <a href="#">Start budgeting →</a>
      </div>
      <div class="feature-card">
        <div class="feature-icon">⌂</div>
        <h3>High-Yield Banking</h3>
        <p>FDIC-insured accounts with APYs up to 4.65%, no monthly fees, and early direct deposit. Pair a checking account with a dedicated emergency fund earning 5× the national average.</p>
        <a href="#">Open an account →</a>
      </div>
      <div class="feature-card" id="insurance">
        <div class="feature-icon">⛨</div>
        <h3>Insurance Marketplace</h3>
        <p>Compare term life, whole life, disability, and umbrella policies from 40+ carriers in under four minutes. Our licensed agents review your coverage gaps at no cost.</p>
        <a href="#">Get a quote →</a>
      </div>
      <div class="feature-card">
        <div class="feature-icon">↑</div>
        <h3>Investing & Brokerage</h3>
        <p>Commission-free trades on stocks, ETFs, and options. Automated rebalancing, tax-loss harvesting, and fractional shares make diversified portfolios accessible at any account size.</p>
        <a href="#">Start investing →</a>
      </div>
      <div class="feature-card" id="credit">
        <div class="feature-icon">✦</div>
        <h3>Credit Improvement</h3>
        <p>Dispute inaccuracies, build thin files with secured cards, and monitor all three bureaus weekly. Clients see an average 72-point lift within six months of enrolling.</p>
        <a href="#">Check credit →</a>
      </div>
      <div class="feature-card" id="planning">
        <div class="feature-icon">∞</div>
        <h3>Retirement Planning</h3>
        <p>Maximize 401(k) matches, roll over old accounts, and model Roth conversion ladders. Our CFP® professionals build a withdrawal strategy that lasts through age 95.</p>
        <a href="#">Plan retirement →</a>
      </div>
    </div>
  </div>
</section>

<!-- ============ CREDIT SECTION ============ -->
<section class="credit" id="credit-detail">
  <div class="container split">
    <div class="split-visual">
      <img src="https://picsum.photos/700/520" alt="Person reviewing credit report">
    </div>
    <div>
      <span class="eyebrow">Credit Improvement</span>
      <h2>Turn your credit score into a financial superpower</h2>
      <p>
        Your credit score is the single most influential number in your financial life — it shapes the interest rate on your mortgage, the deposit on your apartment, and even the premiums on your car insurance. Yet most people have no idea what's actually on their report or how the five factors — payment history, utilization, age of accounts, credit mix, and new inquiries — interact.
      </p>
      <ul class="credit-list">
        <li>
          <span class="check">✓</span>
          <div><strong>Three-bureau monitoring</strong><span>Weekly pulls from Equifax, Experian, and TransUnion with instant alerts on hard inquiries or new accounts.</span></div>
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        <li>
          <span class="check">✓</span>
          <div><strong>Automated dispute letters</strong><span>We draft and submit FCRA-compliant disputes for inaccurate late payments, collections, and duplicate tradelines.</span></div>
        </li>
        <li>
          <span class="check">✓</span>
          <div><strong>Utilization coaching</strong><span>Personalized payoff sequences that target the cards dragging down your score — typically the fastest lever you can pull.</span></div>
        </li>
        <li>
          <span class="check">✓</span>
          <div><strong>Secured card on-ramp</strong><span>Build or rebuild thin files with a refundable-deposit card that reports to all three bureaus from day one.</span></div>
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</section>

<!-- ============ WEALTH / CALCULATOR ============ -->
<section class="wealth" id="wealth">
  <div class="container">
    <div class="section-head">
      <span class="eyebrow">Wealth Building</span>
      <h2>See what compound interest can do for you</h2>
      <p>The eighth wonder of the world, according to Einstein. Adjust the inputs below to see how time, consistency, and a reasonable rate of return can turn modest contributions into life-changing wealth.</p>
    </div>

    <div class="calc-wrap">
      <div class="calc-form">
        <label for="initial">Initial Investment ($)</label>
        <input type="number" id="initial" value="5000" min="0" step="100">

        <label for="monthly">Monthly Contribution ($)</label>
        <input type="number" id="monthly" value="400" min="0" step="25">

        <label for="years">Years to Invest</label>
        <input type="number" id="years" value="25" min="1" max="60" step="1">

        <label for="rate">Expected Annual Return (%)</label>
        <input type="number" id="rate" value="7.5" min="0" max="20" step="0.1">

        <p style="margin-top:22px;font-size:.82rem;color:rgba(255,255,255,.55);line-height:1.6">
          This calculator assumes monthly compounding and a constant rate of return. Real markets fluctuate — use this as a directional guide, not a guarantee.
        </p>
      </div>

      <div class="calc-result">
        <p style="font-size:.85rem;letter-spacing:.1em;text-transform:uppercase;color:rgba(255,255,255,.6)">Projected Balance</p>
        <div class="big" id="futureValue">$0</div>
        <p class="sub" id="summary">After 25 years of consistent investing</p>

        <div class="bars">
          <div class="bar-row">
            <span class="label">Your contributions</span>
            <div class="track"><div class="fill principal" id="barPrincipal" style="width:0%"></div></div>
            <span class="value" id="totalContrib">$0</span>
          </div>
          <div class="bar-row">
            <span class="label">Interest earned</span>
            <div class="track"><div class="fill interest" id="barInterest" style="width:0%"></div></div>
            <span class="value" id="totalInterest">$0</span>
          </div>
        </div>

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<!-- ============ PLANNING + TESTIMONIALS ============ -->
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        <strong>Retirement readiness: 92%</strong>
        <p>Your current savings trajectory supports a comfortable retirement at 62 with $7,400/month in income.</p>
      </div>
    </div>
    <div>
      <span class="eyebrow">Financial Planning</span>
      <h2>A plan that holds up when life changes</h2>
      <p>
        Most financial plans are static documents that gather dust. Ours is a living model that updates as your salary changes, your family grows, or markets move. We stress-test your plan against recession scenarios, longevity risk, and healthcare inflation — then build a Roth conversion ladder, a Social Security optimization strategy, and a bucketed withdrawal plan that lets you sleep through any market cycle.
      </p>
      <p style="margin-top:16px">
        Every client is paired with a CFP® professional who reviews your amortization schedules, rebalances your asset allocation annually, and coordinates with your CPA on year-end tax moves. It's the kind of holistic advice that used to be reserved for ultra-high-net-worth families — now available starting at $5,000 in investable assets.
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      <div class="testimonial">
        <div class="stars">★★★★★</div>
        <p>"We came in with $38k in student loans and no emergency fund. Eighteen months later, the loans are gone, our credit scores are both above 760, and we just closed on a house. Meridian didn't just give us a spreadsheet — they gave us a plan we could actually stick to."</p>
        <div class="testimonial-author">
          <img src="https://i.pravatar.cc/92?u=amara" alt="Amara J.">
          <div><strong>Amara J.</strong><span>First-time homeowner, Atlanta</span></div>
        </div>
      </div>
      <div class="testimonial">
        <div class="stars">★★★★★</div>
        <p>"I was maxing my 401(k) but had no strategy around it. My advisor walked me through a Roth conversion ladder and rebalanced my allocation for my age. The tax savings alone paid for the advisory fee three times over in year one."</p>
        <div class="testimonial-author">
          <img src="https://i.pravatar.cc/92?u=daniel" alt="Daniel R.">
          <div><strong>Daniel R.</strong><span>Software engineer, Austin</span></div>
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      </div>
      <div class="testimonial">
        <div class="stars">★★★★★</div>
        <p>"As a freelancer, my income swings wildly. The budget planner's variable-income mode is the only tool I've found that actually accounts for that. I've saved six months of expenses for the first time in my career."</p>
        <div class="testimonial-author">
          <img src="https://i.pravatar.cc/92?u=priya" alt="Priya S.">
          <div><strong>Priya S.</strong><span>Graphic designer, Brooklyn</span></div>
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<!-- ============ FAQ ============ -->
<section class="faq" id="faq">
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      <span class="eyebrow">Resources</span>
      <h2>Questions, answered honestly</h2>
      <p>We believe financial advice should be transparent. Here are the questions prospective clients ask most often.</p>
    </div>
    <div class="faq-list">
      <div class="faq-item">
        <button class="faq-q">Is Meridian Wealth a fiduciary? <span class="icon">+</span></button>
        <div class="faq-a"><p>Yes. We are a registered investment advisor and a fiduciary at all times. That means we are legally obligated to act in your best interest — not to sell you products that earn us higher commissions. Our advisors are compensated through a transparent, flat advisory fee.</p></div>
      </div>
      <div class="faq-item">
        <button class="faq-q">How much do I need to get started? <span class="icon">+</span></button>
        <div class="faq-a"><p>Our self-service tools — budget planner, credit monitoring, and high-yield accounts — are free with no minimums. For advisory services, we accept clients starting at $5,000 in investable assets, and we offer a flat-fee financial plan for those who aren't ready to transfer assets yet.</p></div>
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        <button class="faq-q">Will checking my credit hurt my score? <span class="icon">+</span></button>
        <div class="faq-a"><p>No. Checking your own credit is a soft inquiry and has zero impact on your score. Hard inquiries — the kind that happen when you apply for new credit — do affect your score temporarily, but we'll always tell you in advance when one is coming.</p></div>
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      <div class="faq-item">
        <button class="faq-q">How is compound interest actually calculated here? <span class="icon">+</span></button>
        <div class="faq-a"><p>Our calculator uses monthly compounding with the standard future value formula: FV = P(1 + r/n)^(nt) + PMT × [((1 + r/n)^(nt) − 1) / (r/n)]. It assumes contributions at the end of each month and a constant annual return. Real returns vary year to year — treat the output as a long-term directional estimate.</p></div>
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      <div class="faq-item">
        <button class="faq-q">Can you help with debt payoff, not just investing? <span class="icon">+</span></button>
        <div class="faq-a"><p>Absolutely. In fact, we usually recommend tackling high-interest debt before aggressive investing. We'll model both the debt avalanche and debt snowball methods against your cash flow and recommend the sequence that saves you the most interest while keeping you motivated.</p></div>
      </div>
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        <button class="faq-q">Is my data secure? <span class="icon">+</span></button>
        <div class="faq-a"><p>We use 256-bit AES encryption, multi-factor authentication, and read-only account aggregation through Plaid. We never store your bank credentials, and we undergo annual SOC 2 Type II audits. Your information is never sold to third parties — period.</p></div>
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    <h2>Your future self will thank you.</h2>
    <p>Book a free 30-minute consultation with a CFP® professional. No sales pitch, no obligations — just a clear-eyed look at where you are and where you could be.</p>
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            <h1 style="color:#fff">Meridian Wealth</h1>
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View Axe Report (JSON)
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      "description": "Ensure the autocomplete attribute is correct and suitable for the form field",
      "help": "autocomplete attribute must be used correctly",
      "helpUrl": "https://dequeuniversity.com/rules/axe/4.10/autocomplete-valid?application=axeAPI",
      "nodes": []
    },
    {
      "id": "blink",
      "impact": null,
      "tags": [
        "cat.time-and-media",
        "wcag2a",
        "wcag222",
        "section508",
        "section508.22.j",
        "TTv5",
        "TT2.b",
        "EN-301-549",
        "EN-9.2.2.2"
      ],
      "description": "Ensure <blink> elements are not used",
      "help": "<blink> elements are deprecated and must not be used",
      "helpUrl": "https://dequeuniversity.com/rules/axe/4.10/blink?application=axeAPI",
      "nodes": []
    },
    {
      "id": "definition-list",
      "impact": null,
      "tags": [
        "cat.structure",
        "wcag2a",
        "wcag131",
        "EN-301-549",
        "EN-9.1.3.1"
      ],
      "description": "Ensure <dl> elements are structured correctly",
      "help": "<dl> elements must only directly contain properly-ordered <dt> and <dd> groups, <script>, <template> or <div> elements",
      "helpUrl": "https://dequeuniversity.com/rules/axe/4.10/definition-list?application=axeAPI",
      "nodes": []
    },
    {
      "id": "dlitem",
      "impact": null,
      "tags": [
        "cat.structure",
        "wcag2a",
        "wcag131",
        "EN-301-549",
        "EN-9.1.3.1"
      ],
      "description": "Ensure <dt> and <dd> elements are contained by a <dl>",
      "help": "<dt> and <dd> elements must be contained by a <dl>",
      "helpUrl": "https://dequeuniversity.com/rules/axe/4.10/dlitem?application=axeAPI",
      "nodes": []
    },
    {
      "id": "frame-focusable-content",
      "impact": null,
      "tags": [
        "cat.keyboard",
        "wcag2a",
        "wcag211",
        "TTv5",
        "TT4.a",
        "EN-301-549",
        "EN-9.2.1.1"
      ],
      "description": "Ensure <frame> and <iframe> elements with focusable content do not have tabindex=-1",
      "help": "Frames with focusable content must not have tabindex=-1",
      "helpUrl": "https://dequeuniversity.com/rules/axe/4.10/frame-focusable-content?application=axeAPI",
      "nodes": []
    },
    {
      "id": "frame-title-unique",
      "impact": null,
      "tags": [
        "cat.text-alternatives",
        "wcag2a",
        "wcag412",
        "TTv5",
        "TT12.d",
        "EN-301-549",
        "EN-9.4.1.2"
      ],
      "description": "Ensure <iframe> and <frame> elements contain a unique title attribute",
      "help": "Frames must have a unique title attribute",
      "helpUrl": "https://dequeuniversity.com/rules/axe/4.10/frame-title-unique?application=axeAPI",
      "nodes": []
    },
    {
      "id": "frame-title",
      "impact": null,
      "tags": [
        "cat.text-alternatives",
        "wcag2a",
        "wcag412",
        "section508",
        "section508.22.i",
        "TTv5",
        "TT12.d",
        "EN-301-549",
        "EN-9.4.1.2"
      ],
      "description": "Ensure <iframe> and <frame> elements have an accessible name",
      "help": "Frames must have an accessible name",
      "helpUrl": "https://dequeuniversity.com/rules/axe/4.10/frame-title?application=axeAPI",
      "nodes": []
    },
    {
      "id": "html-xml-lang-mismatch",
      "impact": null,
      "tags": [
        "cat.language",
        "wcag2a",
        "wcag311",
        "EN-301-549",
        "EN-9.3.1.1",
        "ACT"
      ],
      "description": "Ensure that HTML elements with both valid lang and xml:lang attributes agree on the base language of the page",
      "help": "HTML elements with lang and xml:lang must have the same base language",
      "helpUrl": "https://dequeuniversity.com/rules/axe/4.10/html-xml-lang-mismatch?application=axeAPI",
      "nodes": []
    },
    {
      "id": "input-button-name",
      "impact": null,
      "tags": [
        "cat.name-role-value",
        "wcag2a",
        "wcag412",
        "section508",
        "section508.22.a",
        "TTv5",
        "TT5.c",
        "EN-301-549",
        "EN-9.4.1.2",
        "ACT"
      ],
      "description": "Ensure input buttons have discernible text",
      "help": "Input buttons must have discernible text",
      "helpUrl": "https://dequeuniversity.com/rules/axe/4.10/input-button-name?application=axeAPI",
      "nodes": []
    },
    {
      "id": "input-image-alt",
      "impact": null,
      "tags": [
        "cat.text-alternatives",
        "wcag2a",
        "wcag111",
        "wcag412",
        "section508",
        "section508.22.a",
        "TTv5",
        "TT7.a",
        "EN-301-549",
        "EN-9.1.1.1",
        "EN-9.4.1.2",
        "ACT"
      ],
      "description": "Ensure <input type=\"image\"> elements have alternative text",
      "help": "Image buttons must have alternative text",
      "helpUrl": "https://dequeuniversity.com/rules/axe/4.10/input-image-alt?application=axeAPI",
      "nodes": []
    },
    {
      "id": "marquee",
      "impact": null,
      "tags": [
        "cat.parsing",
        "wcag2a",
        "wcag222",
        "TTv5",
        "TT2.b",
        "EN-301-549",
        "EN-9.2.2.2"
      ],
      "description": "Ensure <marquee> elements are not used",
      "help": "<marquee> elements are deprecated and must not be used",
      "helpUrl": "https://dequeuniversity.com/rules/axe/4.10/marquee?application=axeAPI",
      "nodes": []
    },
    {
      "id": "meta-refresh",
      "impact": null,
      "tags": [
        "cat.time-and-media",
        "wcag2a",
        "wcag221",
        "TTv5",
        "TT8.a",
        "EN-301-549",
        "EN-9.2.2.1"
      ],
      "description": "Ensure <meta http-equiv=\"refresh\"> is not used for delayed refresh",
      "help": "Delayed refresh under 20 hours must not be used",
      "helpUrl": "https://dequeuniversity.com/rules/axe/4.10/meta-refresh?application=axeAPI",
      "nodes": []
    },
    {
      "id": "object-alt",
      "impact": null,
      "tags": [
        "cat.text-alternatives",
        "wcag2a",
        "wcag111",
        "section508",
        "section508.22.a",
        "EN-301-549",
        "EN-9.1.1.1"
      ],
      "description": "Ensure <object> elements have alternative text",
      "help": "<object> elements must have alternative text",
      "helpUrl": "https://dequeuniversity.com/rules/axe/4.10/object-alt?application=axeAPI",
      "nodes": []
    },
    {
      "id": "role-img-alt",
      "impact": null,
      "tags": [
        "cat.text-alternatives",
        "wcag2a",
        "wcag111",
        "section508",
        "section508.22.a",
        "TTv5",
        "TT7.a",
        "EN-301-549",
        "EN-9.1.1.1",
        "ACT"
      ],
      "description": "Ensure [role=\"img\"] elements have alternative text",
      "help": "[role=\"img\"] elements must have an alternative text",
      "helpUrl": "https://dequeuniversity.com/rules/axe/4.10/role-img-alt?application=axeAPI",
      "nodes": []
    },
    {
      "id": "scrollable-region-focusable",
      "impact": null,
      "tags": [
        "cat.keyboard",
        "wcag2a",
        "wcag211",
        "wcag213",
        "TTv5",
        "TT4.a",
        "EN-301-549",
        "EN-9.2.1.1",
        "EN-9.2.1.3"
      ],
      "description": "Ensure elements that have scrollable content are accessible by keyboard",
      "help": "Scrollable region must have keyboard access",
      "helpUrl": "https://dequeuniversity.com/rules/axe/4.10/scrollable-region-focusable?application=axeAPI",
      "nodes": []
    },
    {
      "id": "select-name",
      "impact": null,
      "tags": [
        "cat.forms",
        "wcag2a",
        "wcag412",
        "section508",
        "section508.22.n",
        "TTv5",
        "TT5.c",
        "EN-301-549",
        "EN-9.4.1.2",
        "ACT"
      ],
      "description": "Ensure select element has an accessible name",
      "help": "Select element must have an accessible name",
      "helpUrl": "https://dequeuniversity.com/rules/axe/4.10/select-name?application=axeAPI",
      "nodes": []
    },
    {
      "id": "server-side-image-map",
      "impact": null,
      "tags": [
        "cat.text-alternatives",
        "wcag2a",
        "wcag211",
        "section508",
        "section508.22.f",
        "TTv5",
        "TT4.a",
        "EN-301-549",
        "EN-9.2.1.1"
      ],
      "description": "Ensure that server-side image maps are not used",
      "help": "Server-side image maps must not be used",
      "helpUrl": "https://dequeuniversity.com/rules/axe/4.10/server-side-image-map?application=axeAPI",
      "nodes": []
    },
    {
      "id": "summary-name",
      "impact": null,
      "tags": [
        "cat.name-role-value",
        "wcag2a",
        "wcag412",
        "section508",
        "section508.22.a",
        "TTv5",
        "TT6.a",
        "EN-301-549",
        "EN-9.4.1.2"
      ],
      "description": "Ensure summary elements have discernible text",
      "help": "Summary elements must have discernible text",
      "helpUrl": "https://dequeuniversity.com/rules/axe/4.10/summary-name?application=axeAPI",
      "nodes": []
    },
    {
      "id": "svg-img-alt",
      "impact": null,
      "tags": [
        "cat.text-alternatives",
        "wcag2a",
        "wcag111",
        "section508",
        "section508.22.a",
        "TTv5",
        "TT7.a",
        "EN-301-549",
        "EN-9.1.1.1",
        "ACT"
      ],
      "description": "Ensure <svg> elements with an img, graphics-document or graphics-symbol role have an accessible text",
      "help": "<svg> elements with an img role must have an alternative text",
      "helpUrl": "https://dequeuniversity.com/rules/axe/4.10/svg-img-alt?application=axeAPI",
      "nodes": []
    },
    {
      "id": "td-headers-attr",
      "impact": null,
      "tags": [
        "cat.tables",
        "wcag2a",
        "wcag131",
        "section508",
        "section508.22.g",
        "TTv5",
        "TT14.b",
        "EN-301-549",
        "EN-9.1.3.1"
      ],
      "description": "Ensure that each cell in a table that uses the headers attribute refers only to other cells in that table",
      "help": "Table cells that use the headers attribute must only refer to cells in the same table",
      "helpUrl": "https://dequeuniversity.com/rules/axe/4.10/td-headers-attr?application=axeAPI",
      "nodes": []
    },
    {
      "id": "th-has-data-cells",
      "impact": null,
      "tags": [
        "cat.tables",
        "wcag2a",
        "wcag131",
        "section508",
        "section508.22.g",
        "TTv5",
        "TT14.b",
        "EN-301-549",
        "EN-9.1.3.1"
      ],
      "description": "Ensure that <th> elements and elements with role=columnheader/rowheader have data cells they describe",
      "help": "Table headers in a data table must refer to data cells",
      "helpUrl": "https://dequeuniversity.com/rules/axe/4.10/th-has-data-cells?application=axeAPI",
      "nodes": []
    },
    {
      "id": "valid-lang",
      "impact": null,
      "tags": [
        "cat.language",
        "wcag2aa",
        "wcag312",
        "TTv5",
        "TT11.b",
        "EN-301-549",
        "EN-9.3.1.2",
        "ACT"
      ],
      "description": "Ensure lang attributes have valid values",
      "help": "lang attribute must have a valid value",
      "helpUrl": "https://dequeuniversity.com/rules/axe/4.10/valid-lang?application=axeAPI",
      "nodes": []
    },
    {
      "id": "video-caption",
      "impact": null,
      "tags": [
        "cat.text-alternatives",
        "wcag2a",
        "wcag122",
        "section508",
        "section508.22.a",
        "TTv5",
        "TT17.a",
        "EN-301-549",
        "EN-9.1.2.2"
      ],
      "description": "Ensure <video> elements have captions",
      "help": "<video> elements must have captions",
      "helpUrl": "https://dequeuniversity.com/rules/axe/4.10/video-caption?application=axeAPI",
      "nodes": []
    },
    {
      "id": "no-autoplay-audio",
      "impact": null,
      "tags": [
        "cat.time-and-media",
        "wcag2a",
        "wcag142",
        "TTv5",
        "TT2.a",
        "EN-301-549",
        "EN-9.1.4.2",
        "ACT"
      ],
      "description": "Ensure <video> or <audio> elements do not autoplay audio for more than 3 seconds without a control mechanism to stop or mute the audio",
      "help": "<video> or <audio> elements must not play automatically",
      "helpUrl": "https://dequeuniversity.com/rules/axe/4.10/no-autoplay-audio?application=axeAPI",
      "nodes": []
    }
  ],
  "passes": [
    {
      "id": "aria-allowed-attr",
      "impact": null,
      "tags": [
        "cat.aria",
        "wcag2a",
        "wcag412",
        "EN-301-549",
        "EN-9.4.1.2"
      ],
      "description": "Ensure an element's role supports its ARIA attributes",
      "help": "Elements must only use supported ARIA attributes",
      "helpUrl": "https://dequeuniversity.com/rules/axe/4.10/aria-allowed-attr?application=axeAPI",
      "nodes": [
        {
          "any": [],
          "all": [
            {
              "id": "aria-allowed-attr",
              "data": null,
              "relatedNodes": [],
              "impact": "critical",
              "message": "ARIA attributes are used correctly for the defined role"
            }
          ],
          "none": [
            {
              "id": "aria-unsupported-attr",
              "data": null,
              "relatedNodes": [],
              "impact": "critical",
              "message": "ARIA attribute is supported"
            }
          ],
          "impact": null,
          "html": "<a href=\"#\" class=\"brand\" aria-label=\"Meridian Wealth home\">",
          "target": [
            "a[aria-label=\"Meridian Wealth home\"]"
          ]
        }
      ]
    },
    {
      "id": "aria-conditional-attr",
      "impact": null,
      "tags": [
        "cat.aria",
        "wcag2a",
        "wcag412",
        "EN-301-549",
        "EN-9.4.1.2"
      ],
      "description": "Ensure ARIA attributes are used as described in the specification of the element's role",
      "help": "ARIA attributes must be used as specified for the element's role",
      "helpUrl": "https://dequeuniversity.com/rules/axe/4.10/aria-conditional-attr?application=axeAPI",
      "nodes": [
        {
          "any": [],
          "all": [
            {
              "id": "aria-conditional-attr",
              "data": null,
              "relatedNodes": [],
              "impact": "serious",
              "message": "ARIA attribute is allowed"
            }
          ],
          "none": [],
          "impact": null,
          "html": "<a href=\"#\" class=\"brand\" aria-label=\"Meridian Wealth home\">",
          "target": [
            "a[aria-label=\"Meridian Wealth home\"]"
          ]
        }
      ]
    },
    {
      "id": "aria-hidden-body",
      "impact": null,
      "tags": [
        "cat.aria",
        "wcag2a",
        "wcag131",
        "wcag412",
        "EN-301-549",
        "EN-9.1.3.1",
        "EN-9.4.1.2"
      ],
      "description": "Ensure aria-hidden=\"true\" is not present on the document body.",
      "help": "aria-hidden=\"true\" must not be present on the document body",
      "helpUrl": "https://dequeuniversity.com/rules/axe/4.10/aria-hidden-body?application=axeAPI",
      "nodes": [
        {
          "any": [
            {
              "id": "aria-hidden-body",
              "data": null,
              "relatedNodes": [],
              "impact": "critical",
              "message": "No aria-hidden attribute is present on document body"
            }
          ],
          "all": [],
          "none": [],
          "impact": null,
          "html": "<body>",
          "target": [
            "body"
          ]
        }
      ]
    },
    {
      "id": "aria-prohibited-attr",
      "impact": null,
      "tags": [
        "cat.aria",
        "wcag2a",
        "wcag412",
        "EN-301-549",
        "EN-9.4.1.2"
      ],
      "description": "Ensure ARIA attributes are not prohibited for an element's role",
      "help": "Elements must only use permitted ARIA attributes",
      "helpUrl": "https://dequeuniversity.com/rules/axe/4.10/aria-prohibited-attr?application=axeAPI",
      "nodes": [
        {
          "any": [],
          "all": [],
          "none": [
            {
              "id": "aria-prohibited-attr",
              "data": null,
              "relatedNodes": [],
              "impact": "serious",
              "message": "ARIA attribute is allowed"
            }
          ],
          "impact": null,
          "html": "<a href=\"#\" class=\"brand\" aria-label=\"Meridian Wealth home\">",
          "target": [
            "a[aria-label=\"Meridian Wealth home\"]"
          ]
        }
      ]
    },
    {
      "id": "aria-valid-attr-value",
      "impact": null,
      "tags": [
        "cat.aria",
        "wcag2a",
        "wcag412",
        "EN-301-549",
        "EN-9.4.1.2"
      ],
      "description": "Ensure all ARIA attributes have valid values",
      "help": "ARIA attributes must conform to valid values",
      "helpUrl": "https://dequeuniversity.com/rules/axe/4.10/aria-valid-attr-value?application=axeAPI",
      "nodes": [
        {
          "any": [],
          "all": [
            {
              "id": "aria-valid-attr-value",
              "data": null,
              "relatedNodes": [],
              "impact": "critical",
              "message": "ARIA attribute values are valid"
            },
            {
              "id": "aria-errormessage",
              "data": null,
              "relatedNodes": [],
              "impact": "critical",
              "message": "aria-errormessage exists and references elements visible to screen readers that use a supported aria-errormessage technique"
            },
            {
              "id": "aria-level",
              "data": null,
              "relatedNodes": [],
              "impact": "critical",
              "message": "aria-level values are valid"
            }
          ],
          "none": [],
          "impact": null,
          "html": "<a href=\"#\" class=\"brand\" aria-label=\"Meridian Wealth home\">",
          "target": [
            "a[aria-label=\"Meridian Wealth home\"]"
          ]
        }
      ]
    },
    {
      "id": "aria-valid-attr",
      "impact": null,
      "tags": [
        "cat.aria",
        "wcag2a",
        "wcag412",
        "EN-301-549",
        "EN-9.4.1.2"
      ],
      "description": "Ensure attributes that begin with aria- are valid ARIA attributes",
      "help": "ARIA attributes must conform to valid names",
      "helpUrl": "https://dequeuniversity.com/rules/axe/4.10/aria-valid-attr?application=axeAPI",
      "nodes": [
        {
          "any": [
            {
              "id": "aria-valid-attr",
              "data": null,
              "relatedNodes": [],
              "impact": "critical",
              "message": "ARIA attribute name is valid"
            }
          ],
          "all": [],
          "none": [],
          "impact": null,
          "html": "<a href=\"#\" class=\"brand\" aria-label=\"Meridian Wealth home\">",
          "target": [
            "a[aria-label=\"Meridian Wealth home\"]"
          ]
        }
      ]
    },
    {
      "id": "avoid-inline-spacing",
      "impact": null,
      "tags": [
        "cat.structure",
        "wcag21aa",
        "wcag1412",
        "EN-301-549",
        "EN-9.1.4.12",
        "ACT"
      ],
      "description": "Ensure that text spacing set through style attributes can be adjusted with custom stylesheets",
      "help": "Inline text spacing must be adjustable with custom stylesheets",
      "helpUrl": "https://dequeuniversity.com/rules/axe/4.10/avoid-inline-spacing?application=axeAPI",
      "nodes": [
        {
          "any": [],
          "all": [
            {
              "id": "important-letter-spacing",
              "data": null,
              "relatedNodes": [],
              "impact": "serious",
              "message": "Letter-spacing in the style attribute is not set to !important, or meets the minimum"
            },
            {
              "id": "important-word-spacing",
              "data": null,
              "relatedNodes": [],
              "impact": "serious",
              "message": "word-spacing in the style attribute is not set to !important, or meets the minimum"
            },
            {
              "id": "important-line-height",
              "data": null,
              "relatedNodes": [],
              "impact": "serious",
              "message": "line-height in the style attribute is not set to !important, or meets the minimum"
            }
          ],
          "none": [],
          "impact": null,
          "html": "<p style=\"margin-top:22px;font-size:.82rem;color:rgba(255,255,255,.55);line-height:1.6\">\n          This calculator assumes monthly compounding and a constant rate of return. Real markets fluctuate \u2014 use this as a directional guide, not a guarantee.\n        </p>",
          "target": [
            ".calc-form > p"
          ]
        }
      ]
    },
    {
      "id": "button-name",
      "impact": null,
      "tags": [
        "cat.name-role-value",
        "wcag2a",
        "wcag412",
        "section508",
        "section508.22.a",
        "TTv5",
        "TT6.a",
        "EN-301-549",
        "EN-9.4.1.2",
        "ACT"
      ],
      "description": "Ensure buttons have discernible text",
      "help": "Buttons must have discernible text",
      "helpUrl": "https://dequeuniversity.com/rules/axe/4.10/button-name?application=axeAPI",
      "nodes": [
        {
          "any": [
            {
              "id": "button-has-visible-text",
              "data": null,
              "relatedNodes": [],
              "impact": "critical",
              "message": "Element has inner text that is visible to screen readers"
            }
          ],
          "all": [],
          "none": [],
          "impact": null,
          "html": "<button class=\"faq-q\">Is Meridian Wealth a fiduciary? <span class=\"icon\">+</span></button>",
          "target": [
            ".faq-item:nth-child(1) > .faq-q"
          ]
        }
      ]
    },
    {
      "id": "bypass",
      "impact": null,
      "tags": [
        "cat.keyboard",
        "wcag2a",
        "wcag241",
        "section508",
        "section508.22.o",
        "TTv5",
        "TT9.a",
        "EN-301-549",
        "EN-9.2.4.1"
      ],
      "description": "Ensure each page has at least one mechanism for a user to bypass navigation and jump straight to the content",
      "help": "Page must have means to bypass repeated blocks",
      "helpUrl": "https://dequeuniversity.com/rules/axe/4.10/bypass?application=axeAPI",
      "nodes": [
        {
          "any": [
            {
              "id": "internal-link-present",
              "data": null,
              "relatedNodes": [],
              "impact": "serious",
              "message": "Valid skip link found"
            },
            {
              "id": "header-present",
              "data": null,
              "relatedNodes": [
                {
                  "html": "<h1>Meridian Wealth</h1>",
                  "target": [
                    "a[aria-label=\"Meridian Wealth home\"] > .brand-text > h1"
                  ]
                },
                {
                  "html": "<h1>Master your money. <span>Build the life</span> you're planning for.</h1>",
                  "target": [
                    "div:nth-child(1) > h1"
                  ]
                },
                {
                  "html": "<h3>$4.2B</h3>",
                  "target": [
                    ".hero-stats > div:nth-child(1) > h3"
                  ]
                },
                {
                  "html": "<h3>782</h3>",
                  "target": [
                    ".hero-stats > div:nth-child(2) > h3"
                  ]
                },
                {
                  "html": "<h3>4.9\u2605</h3>",
                  "target": [
                    ".hero-stats > div:nth-child(3) > h3"
                  ]
                },
                {
                  "html": "<h3>18 yrs</h3>",
                  "target": [
                    ".hero-stats > div:nth-child(4) > h3"
                  ]
                },
                {
                  "html": "<h2>A complete financial toolkit, built around your goals</h2>",
                  "target": [
                    "#banking > .container > .section-head > h2"
                  ]
                },
                {
                  "html": "<h3>Budget Planner</h3>",
                  "target": [
                    "#budget > h3"
                  ]
                },
                {
                  "html": "<h3>High-Yield Banking</h3>",
                  "target": [
                    ".feature-card:nth-child(2) > h3"
                  ]
                },
                {
                  "html": "<h3>Insurance Marketplace</h3>",
                  "target": [
                    "#insurance > h3"
                  ]
                },
                {
                  "html": "<h3>Investing &amp; Brokerage</h3>",
                  "target": [
                    ".feature-card:nth-child(4) > h3"
                  ]
                },
                {
                  "html": "<h3>Credit Improvement</h3>",
                  "target": [
                    "#credit > h3"
                  ]
                },
                {
                  "html": "<h3>Retirement Planning</h3>",
                  "target": [
                    "#planning > h3"
                  ]
                },
                {
                  "html": "<h2>Turn your credit score into a financial superpower</h2>",
                  "target": [
                    ".split > div:nth-child(2) > h2"
                  ]
                },
                {
                  "html": "<h2>See what compound interest can do for you</h2>",
                  "target": [
                    "#wealth > .container > .section-head > h2"
                  ]
                },
                {
                  "html": "<h2>A plan that holds up when life changes</h2>",
                  "target": [
                    ".planning-grid > div:nth-child(2) > h2"
                  ]
                },
                {
                  "html": "<h2>Real people. Real milestones.</h2>",
                  "target": [
                    ".testimonials > .section-head > h2"
                  ]
                },
                {
                  "html": "<h2>Questions, answered honestly</h2>",
                  "target": [
                    "#faq > .container > .section-head > h2"
                  ]
                },
                {
                  "html": "<h2>Your future self will thank you.</h2>",
                  "target": [
                    ".container > h2"
                  ]
                },
                {
                  "html": "<h1 style=\"color:#fff\">Meridian Wealth</h1>",
                  "target": [
                    ".footer-grid > div:nth-child(1) > .brand > .brand-text > h1"
                  ]
                },
                {
                  "html": "<h4>Products</h4>",
                  "target": [
                    "div:nth-child(2) > h4"
                  ]
                },
                {
                  "html": "<h4>Company</h4>",
                  "target": [
                    "div:nth-child(3) > h4"
                  ]
                },
                {
                  "html": "<h4>Contact</h4>",
                  "target": [
                    "div:nth-child(4) > h4"
                  ]
                }
              ],
              "impact": "serious",
              "message": "Page has a heading"
            }
          ],
          "all": [],
          "none": [],
          "impact": null,
          "html": "<html lang=\"en\">",
          "target": [
            "html"
          ]
        }
      ]
    },
    {
      "id": "color-contrast",
      "impact": "serious",
      "tags": [
        "cat.color",
        "wcag2aa",
        "wcag143",
        "TTv5",
        "TT13.c",
        "EN-301-549",
        "EN-9.1.4.3",
        "ACT"
      ],
      "description": "Ensure the contrast between foreground and background colors meets WCAG 2 AA minimum contrast ratio thresholds",
      "help": "Elements must meet minimum color contrast ratio thresholds",
      "helpUrl": "https://dequeuniversity.com/rules/axe/4.10/color-contrast?application=axeAPI",
      "nodes": [
        {
          "any": [
            {
              "id": "color-contrast",
              "data": {
                "fgColor": "#0b2545",
                "bgColor": "#fefefd",
                "contrastRatio": 15.24,
                "fontSize": "16.2pt (21.6px)",
                "fontWeight": "bold",
                "messageKey": null,
                "expectedContrastRatio": "3:1",
                "shadowColor": null
              },
              "relatedNodes": [],
              "impact": "serious",
              "message": "Element has sufficient color contrast of 15.24"
            }
          ],
          "all": [],
          "none": [],
          "impact": null,
          "html": "<h1>Meridian Wealth</h1>",
          "target": [
            "a[aria-label=\"Meridian Wealth home\"] > .brand-text > h1"
          ]
        }
      ]
    },
    {
      "id": "document-title",
      "impact": null,
      "tags": [
        "cat.text-alternatives",
        "wcag2a",
        "wcag242",
        "TTv5",
        "TT12.a",
        "EN-301-549",
        "EN-9.2.4.2",
        "ACT"
      ],
      "description": "Ensure each HTML document contains a non-empty <title> element",
      "help": "Documents must have <title> element to aid in navigation",
      "helpUrl": "https://dequeuniversity.com/rules/axe/4.10/document-title?application=axeAPI",
      "nodes": [
        {
          "any": [
            {
              "id": "doc-has-title",
              "data": null,
              "relatedNodes": [],
              "impact": "serious",
              "message": "Document has a non-empty <title> element"
            }
          ],
          "all": [],
          "none": [],
          "impact": null,
          "html": "<html lang=\"en\">",
          "target": [
            "html"
          ]
        }
      ]
    },
    {
      "id": "duplicate-id-aria",
      "impact": null,
      "tags": [
        "cat.parsing",
        "wcag2a",
        "wcag412",
        "EN-301-549",
        "EN-9.4.1.2"
      ],
      "description": "Ensure every id attribute value used in ARIA and in labels is unique",
      "help": "IDs used in ARIA and labels must be unique",
      "helpUrl": "https://dequeuniversity.com/rules/axe/4.10/duplicate-id-aria?application=axeAPI",
      "nodes": [
        {
          "any": [
            {
              "id": "duplicate-id-aria",
              "data": "initial",
              "relatedNodes": [],
              "impact": "critical",
              "message": "Document has no elements referenced with ARIA or labels that share the same id attribute"
            }
          ],
          "all": [],
          "none": [],
          "impact": null,
          "html": "<input type=\"number\" id=\"initial\" value=\"5000\" min=\"0\" step=\"100\">",
          "target": [
            "#initial"
          ]
        }
      ]
    },
    {
      "id": "form-field-multiple-labels",
      "impact": null,
      "tags": [
        "cat.forms",
        "wcag2a",
        "wcag332",
        "TTv5",
        "TT5.c",
        "EN-301-549",
        "EN-9.3.3.2"
      ],
      "description": "Ensure form field does not have multiple label elements",
      "help": "Form field must not have multiple label elements",
      "helpUrl": "https://dequeuniversity.com/rules/axe/4.10/form-field-multiple-labels?application=axeAPI",
      "nodes": [
        {
          "any": [],
          "all": [],
          "none": [
            {
              "id": "multiple-label",
              "data": null,
              "relatedNodes": [
                {
                  "html": "<label for=\"initial\">Initial Investment ($)</label>",
                  "target": [
                    "label[for=\"initial\"]"
                  ]
                }
              ],
              "impact": "moderate",
              "message": "Form field does not have multiple label elements"
            }
          ],
          "impact": null,
          "html": "<input type=\"number\" id=\"initial\" value=\"5000\" min=\"0\" step=\"100\">",
          "target": [
            "#initial"
          ]
        }
      ]
    },
    {
      "id": "html-has-lang",
      "impact": null,
      "tags": [
        "cat.language",
        "wcag2a",
        "wcag311",
        "TTv5",
        "TT11.a",
        "EN-301-549",
        "EN-9.3.1.1",
        "ACT"
      ],
      "description": "Ensure every HTML document has a lang attribute",
      "help": "<html> element must have a lang attribute",
      "helpUrl": "https://dequeuniversity.com/rules/axe/4.10/html-has-lang?application=axeAPI",
      "nodes": [
        {
          "any": [
            {
              "id": "has-lang",
              "data": null,
              "relatedNodes": [],
              "impact": "serious",
              "message": "The <html> element has a lang attribute"
            }
          ],
          "all": [],
          "none": [],
          "impact": null,
          "html": "<html lang=\"en\">",
          "target": [
            "html"
          ]
        }
      ]
    },
    {
      "id": "html-lang-valid",
      "impact": null,
      "tags": [
        "cat.language",
        "wcag2a",
        "wcag311",
        "TTv5",
        "TT11.a",
        "EN-301-549",
        "EN-9.3.1.1",
        "ACT"
      ],
      "description": "Ensure the lang attribute of the <html> element has a valid value",
      "help": "<html> element must have a valid value for the lang attribute",
      "helpUrl": "https://dequeuniversity.com/rules/axe/4.10/html-lang-valid?application=axeAPI",
      "nodes": [
        {
          "any": [],
          "all": [],
          "none": [
            {
              "id": "valid-lang",
              "data": null,
              "relatedNodes": [],
              "impact": "serious",
              "message": "Value of lang attribute is included in the list of valid languages"
            }
          ],
          "impact": null,
          "html": "<html lang=\"en\">",
          "target": [
            "html"
          ]
        }
      ]
    },
    {
      "id": "image-alt",
      "impact": null,
      "tags": [
        "cat.text-alternatives",
        "wcag2a",
        "wcag111",
        "section508",
        "section508.22.a",
        "TTv5",
        "TT7.a",
        "TT7.b",
        "EN-301-549",
        "EN-9.1.1.1",
        "ACT"
      ],
      "description": "Ensure <img> elements have alternative text or a role of none or presentation",
      "help": "Images must have alternative text",
      "helpUrl": "https://dequeuniversity.com/rules/axe/4.10/image-alt?application=axeAPI",
      "nodes": [
        {
          "any": [
            {
              "id": "has-alt",
              "data": null,
              "relatedNodes": [],
              "impact": "critical",
              "message": "Element has an alt attribute"
            }
          ],
          "all": [],
          "none": [
            {
              "id": "alt-space-value",
              "data": null,
              "relatedNodes": [],
              "impact": "critical",
              "message": "Element has a valid alt attribute value"
            }
          ],
          "impact": null,
          "html": "<img src=\"https://placehold.co/92x92/0b2545/d4a24c?text=MW&amp;font=playfair+display\" alt=\"Meridian Wealth logo\">",
          "target": [
            "a[aria-label=\"Meridian Wealth home\"] > .brand-logo > img[alt=\"Meridian Wealth logo\"]"
          ]
        }
      ]
    },
    {
      "id": "label",
      "impact": null,
      "tags": [
        "cat.forms",
        "wcag2a",
        "wcag412",
        "section508",
        "section508.22.n",
        "TTv5",
        "TT5.c",
        "EN-301-549",
        "EN-9.4.1.2",
        "ACT"
      ],
      "description": "Ensure every form element has a label",
      "help": "Form elements must have labels",
      "helpUrl": "https://dequeuniversity.com/rules/axe/4.10/label?application=axeAPI",
      "nodes": [
        {
          "any": [
            {
              "id": "explicit-label",
              "data": {
                "explicitLabel": "Initial Investment ($)"
              },
              "relatedNodes": [
                {
                  "html": "<label for=\"initial\">Initial Investment ($)</label>",
                  "target": [
                    "label[for=\"initial\"]"
                  ]
                }
              ],
              "impact": "critical",
              "message": "Element has an explicit <label>"
            }
          ],
          "all": [],
          "none": [
            {
              "id": "hidden-explicit-label",
              "data": null,
              "relatedNodes": [],
              "impact": "critical",
              "message": "Form element has a visible explicit <label>"
            }
          ],
          "impact": null,
          "html": "<input type=\"number\" id=\"initial\" value=\"5000\" min=\"0\" step=\"100\">",
          "target": [
            "#initial"
          ]
        }
      ]
    },
    {
      "id": "link-in-text-block",
      "impact": null,
      "tags": [
        "cat.color",
        "wcag2a",
        "wcag141",
        "TTv5",
        "TT13.a",
        "EN-301-549",
        "EN-9.1.4.1"
      ],
      "description": "Ensure links are distinguished from surrounding text in a way that does not rely on color",
      "help": "Links must be distinguishable without relying on color",
      "helpUrl": "https://dequeuniversity.com/rules/axe/4.10/link-in-text-block?application=axeAPI",
      "nodes": [
        {
          "any": [
            {
              "id": "link-in-text-block-style",
              "data": null,
              "relatedNodes": [
                {
                  "html": "<div class=\"feature-card\" id=\"budget\">",
                  "target": [
                    "#budget"
                  ]
                }
              ],
              "impact": "serious",
              "message": "Links can be distinguished from surrounding text by visual styling"
            }
          ],
          "all": [],
          "none": [],
          "impact": null,
          "html": "<a href=\"#\">Start budgeting \u2192</a>",
          "target": [
            "#budget > a[href=\"#\"]"
          ]
        }
      ]
    },
    {
      "id": "link-name",
      "impact": null,
      "tags": [
        "cat.name-role-value",
        "wcag2a",
        "wcag244",
        "wcag412",
        "section508",
        "section508.22.a",
        "TTv5",
        "TT6.a",
        "EN-301-549",
        "EN-9.2.4.4",
        "EN-9.4.1.2",
        "ACT"
      ],
      "description": "Ensure links have discernible text",
      "help": "Links must have discernible text",
      "helpUrl": "https://dequeuniversity.com/rules/axe/4.10/link-name?application=axeAPI",
      "nodes": [
        {
          "any": [
            {
              "id": "has-visible-text",
              "data": null,
              "relatedNodes": [],
              "impact": "serious",
              "message": "Element has text that is visible to screen readers"
            },
            {
              "id": "aria-label",
              "data": null,
              "relatedNodes": [],
              "impact": "serious",
              "message": "aria-label attribute exists and is not empty"
            }
          ],
          "all": [],
          "none": [
            {
              "id": "focusable-no-name",
              "data": null,
              "relatedNodes": [],
              "impact": "serious",
              "message": "Element is not in tab order or has accessible text"
            }
          ],
          "impact": null,
          "html": "<a href=\"#\" class=\"brand\" aria-label=\"Meridian Wealth home\">",
          "target": [
            "a[aria-label=\"Meridian Wealth home\"]"
          ]
        }
      ]
    },
    {
      "id": "list",
      "impact": null,
      "tags": [
        "cat.structure",
        "wcag2a",
        "wcag131",
        "EN-301-549",
        "EN-9.1.3.1"
      ],
      "description": "Ensure that lists are structured correctly",
      "help": "<ul> and <ol> must only directly contain <li>, <script> or <template> elements",
      "helpUrl": "https://dequeuniversity.com/rules/axe/4.10/list?application=axeAPI",
      "nodes": [
        {
          "any": [],
          "all": [],
          "none": [
            {
              "id": "only-listitems",
              "data": null,
              "relatedNodes": [],
              "impact": "serious",
              "message": "List element only has direct children that are allowed inside <li> elements"
            }
          ],
          "impact": null,
          "html": "<ul class=\"credit-list\">",
          "target": [
            ".credit-list"
          ]
        }
      ]
    },
    {
      "id": "listitem",
      "impact": null,
      "tags": [
        "cat.structure",
        "wcag2a",
        "wcag131",
        "EN-301-549",
        "EN-9.1.3.1"
      ],
      "description": "Ensure <li> elements are used semantically",
      "help": "<li> elements must be contained in a <ul> or <ol>",
      "helpUrl": "https://dequeuniversity.com/rules/axe/4.10/listitem?application=axeAPI",
      "nodes": [
        {
          "any": [
            {
              "id": "listitem",
              "data": null,
              "relatedNodes": [],
              "impact": "serious",
              "message": "List item has a <ul>, <ol> or role=\"list\" parent element"
            }
          ],
          "all": [],
          "none": [],
          "impact": null,
          "html": "<li>\n          <span class=\"check\">\u2713</span>\n          <div><strong>Three-bureau monitoring</strong><span>Weekly pulls from Equifax, Experian, and TransUnion with instant alerts on hard inquiries or new accounts.</span></div>\n        </li>",
          "target": [
            ".credit-list > li:nth-child(1)"
          ]
        }
      ]
    },
    {
      "id": "meta-viewport",
      "impact": null,
      "tags": [
        "cat.sensory-and-visual-cues",
        "wcag2aa",
        "wcag144",
        "EN-301-549",
        "EN-9.1.4.4",
        "ACT"
      ],
      "description": "Ensure <meta name=\"viewport\"> does not disable text scaling and zooming",
      "help": "Zooming and scaling must not be disabled",
      "helpUrl": "https://dequeuniversity.com/rules/axe/4.10/meta-viewport?application=axeAPI",
      "nodes": [
        {
          "any": [
            {
              "id": "meta-viewport",
              "data": null,
              "relatedNodes": [],
              "impact": "critical",
              "message": "<meta> tag does not disable zooming on mobile devices"
            }
          ],
          "all": [],
          "none": [],
          "impact": null,
          "html": "<meta name=\"viewport\" content=\"width=device-width, initial-scale=1.0\">",
          "target": [
            "meta[name=\"viewport\"]"
          ]
        }
      ]
    },
    {
      "id": "nested-interactive",
      "impact": null,
      "tags": [
        "cat.keyboard",
        "wcag2a",
        "wcag412",
        "TTv5",
        "TT6.a",
        "EN-301-549",
        "EN-9.4.1.2"
      ],
      "description": "Ensure interactive controls are not nested as they are not always announced by screen readers or can cause focus problems for assistive technologies",
      "help": "Interactive controls must not be nested",
      "helpUrl": "https://dequeuniversity.com/rules/axe/4.10/nested-interactive?application=axeAPI",
      "nodes": [
        {
          "any": [
            {
              "id": "no-focusable-content",
              "data": null,
              "relatedNodes": [],
              "impact": "serious",
              "message": "Element does not have focusable descendants"
            }
          ],
          "all": [],
          "none": [],
          "impact": null,
          "html": "<img src=\"https://placehold.co/92x92/0b2545/d4a24c?text=MW&amp;font=playfair+display\" alt=\"Meridian Wealth logo\">",
          "target": [
            "a[aria-label=\"Meridian Wealth home\"] > .brand-logo > img[alt=\"Meridian Wealth logo\"]"
          ]
        }
      ]
    },
    {
      "id": "target-size",
      "impact": null,
      "tags": [
        "cat.sensory-and-visual-cues",
        "wcag22aa",
        "wcag258"
      ],
      "description": "Ensure touch targets have sufficient size and space",
      "help": "All touch targets must be 24px large, or leave sufficient space",
      "helpUrl": "https://dequeuniversity.com/rules/axe/4.10/target-size?application=axeAPI",
      "nodes": [
        {
          "any": [
            {
              "id": "target-size",
              "data": {
                "minSize": 24,
                "width": 254.8,
                "height": 48
              },
              "relatedNodes": [],
              "impact": "serious",
              "message": "Control has sufficient size (254.8px by 48px, should be at least 24px by 24px)"
            },
            {
              "id": "target-offset",
              "data": {
                "closestOffset": 24,
                "minOffset": 24
              },
              "relatedNodes": [],
              "impact": "serious",
              "message": "Target has sufficient space from its closest neighbors. Safe clickable space has a diameter of 24px which is at least 24px."
            }
          ],
          "all": [],
          "none": [],
          "impact": null,
          "html": "<a href=\"#\" class=\"brand\" aria-label=\"Meridian Wealth home\">",
          "target": [
            "a[aria-label=\"Meridian Wealth home\"]"
          ]
        }
      ]
    }
  ],
  "incomplete": [
    {
      "id": "color-contrast",
      "impact": "serious",
      "tags": [
        "cat.color",
        "wcag2aa",
        "wcag143",
        "TTv5",
        "TT13.c",
        "EN-301-549",
        "EN-9.1.4.3",
        "ACT"
      ],
      "description": "Ensure the contrast between foreground and background colors meets WCAG 2 AA minimum contrast ratio thresholds",
      "help": "Elements must meet minimum color contrast ratio thresholds",
      "helpUrl": "https://dequeuniversity.com/rules/axe/4.10/color-contrast?application=axeAPI",
      "nodes": [
        {
          "any": [
            {
              "id": "color-contrast",
              "data": {
                "fgColor": null,
                "bgColor": null,
                "contrastRatio": 0,
                "fontSize": "9.4pt (12.48px)",
                "fontWeight": "bold",
                "messageKey": "bgGradient",
                "expectedContrastRatio": "4.5:1",
                "shadowColor": null
              },
              "relatedNodes": [
                {
                  "html": "<span class=\"eyebrow\">Trusted by 240,000+ households</span>",
                  "target": [
                    ".hero-grid > div:nth-child(1) > .eyebrow"
                  ]
                },
                {
                  "html": "<section class=\"hero\">",
                  "target": [
                    ".hero"
                  ]
                }
              ],
              "impact": "serious",
              "message": "Element's background color could not be determined due to a background gradient"
            }
          ],
          "all": [],
          "none": [],
          "impact": "serious",
          "html": "<span class=\"eyebrow\">Trusted by 240,000+ households</span>",
          "target": [
            ".hero-grid > div:nth-child(1) > .eyebrow"
          ],
          "failureSummary": "Fix any of the following:\n  Element's background color could not be determined due to a background gradient"
        }
      ]
    }
  ],
  "violations": [
    {
      "id": "color-contrast",
      "impact": "serious",
      "tags": [
        "cat.color",
        "wcag2aa",
        "wcag143",
        "TTv5",
        "TT13.c",
        "EN-301-549",
        "EN-9.1.4.3",
        "ACT"
      ],
      "description": "Ensure the contrast between foreground and background colors meets WCAG 2 AA minimum contrast ratio thresholds",
      "help": "Elements must meet minimum color contrast ratio thresholds",
      "helpUrl": "https://dequeuniversity.com/rules/axe/4.10/color-contrast?application=axeAPI",
      "nodes": [
        {
          "any": [
            {
              "id": "color-contrast",
              "data": {
                "fgColor": "#ffffff",
                "bgColor": "#10b981",
                "contrastRatio": 2.53,
                "fontSize": "11.4pt (15.2px)",
                "fontWeight": "normal",
                "messageKey": null,
                "expectedContrastRatio": "4.5:1",
                "shadowColor": null
              },
              "relatedNodes": [
                {
                  "html": "<a href=\"#contact\" class=\"btn btn-accent\">Talk to Advisor</a>",
                  "target": [
                    "a[href$=\"#contact\"]"
                  ]
                }
              ],
              "impact": "serious",
              "message": "Element has insufficient color contrast of 2.53 (foreground color: #ffffff, background color: #10b981, font size: 11.4pt (15.2px), font weight: normal). Expected contrast ratio of 4.5:1"
            }
          ],
          "all": [],
          "none": [],
          "impact": "serious",
          "html": "<a href=\"#contact\" class=\"btn btn-accent\">Talk to Advisor</a>",
          "target": [
            "a[href$=\"#contact\"]"
          ],
          "failureSummary": "Fix any of the following:\n  Element has insufficient color contrast of 2.53 (foreground color: #ffffff, background color: #10b981, font size: 11.4pt (15.2px), font weight: normal). Expected contrast ratio of 4.5:1"
        },
        {
          "any": [
            {
              "id": "color-contrast",
              "data": {
                "fgColor": "#8a94a6",
                "bgColor": "#ffffff",
                "contrastRatio": 3.05,
                "fontSize": "13.2pt (17.6px)",
                "fontWeight": "bold",
                "messageKey": null,
                "expectedContrastRatio": "4.5:1",
                "shadowColor": null
              },
              "relatedNodes": [
                {
                  "html": "<section class=\"trust\">",
                  "target": [
                    ".trust"
                  ]
                }
              ],
              "impact": "serious",
              "message": "Element has insufficient color contrast of 3.05 (foreground color: #8a94a6, background color: #ffffff, font size: 13.2pt (17.6px), font weight: bold). Expected contrast ratio of 4.5:1"
            }
          ],
          "all": [],
          "none": [],
          "impact": "serious",
          "html": "<span>Forbes</span>",
          "target": [
            ".trust-logos > span:nth-child(1)"
          ],
          "failureSummary": "Fix any of the following:\n  Element has insufficient color contrast of 3.05 (foreground color: #8a94a6, background color: #ffffff, font size: 13.2pt (17.6px), font weight: bold). Expected contrast ratio of 4.5:1"
        },
        {
          "any": [
            {
              "id": "color-contrast",
              "data": {
                "fgColor": "#8a94a6",
                "bgColor": "#ffffff",
                "contrastRatio": 3.05,
                "fontSize": "13.2pt (17.6px)",
                "fontWeight": "bold",
                "messageKey": null,
                "expectedContrastRatio": "4.5:1",
                "shadowColor": null
              },
              "relatedNodes": [
                {
                  "html": "<section class=\"trust\">",
                  "target": [
                    ".trust"
                  ]
                }
              ],
              "impact": "serious",
              "message": "Element has insufficient color contrast of 3.05 (foreground color: #8a94a6, background color: #ffffff, font size: 13.2pt (17.6px), font weight: bold). Expected contrast ratio of 4.5:1"
            }
          ],
          "all": [],
          "none": [],
          "impact": "serious",
          "html": "<span>Bloomberg</span>",
          "target": [
            ".trust-logos > span:nth-child(2)"
          ],
          "failureSummary": "Fix any of the following:\n  Element has insufficient color contrast of 3.05 (foreground color: #8a94a6, background color: #ffffff, font size: 13.2pt (17.6px), font weight: bold). Expected contrast ratio of 4.5:1"
        },
        {
          "any": [
            {
              "id": "color-contrast",
              "data": {
                "fgColor": "#8a94a6",
                "bgColor": "#ffffff",
                "contrastRatio": 3.05,
                "fontSize": "13.2pt (17.6px)",
                "fontWeight": "bold",
                "messageKey": null,
                "expectedContrastRatio": "4.5:1",
                "shadowColor": null
              },
              "relatedNodes": [
                {
                  "html": "<section class=\"trust\">",
                  "target": [
                    ".trust"
                  ]
                }
              ],
              "impact": "serious",
              "message": "Element has insufficient color contrast of 3.05 (foreground color: #8a94a6, background color: #ffffff, font size: 13.2pt (17.6px), font weight: bold). Expected contrast ratio of 4.5:1"
            }
          ],
          "all": [],
          "none": [],
          "impact": "serious",
          "html": "<span>The Wall Street Journal</span>",
          "target": [
            ".trust-logos > span:nth-child(3)"
          ],
          "failureSummary": "Fix any of the following:\n  Element has insufficient color contrast of 3.05 (foreground color: #8a94a6, background color: #ffffff, font size: 13.2pt (17.6px), font weight: bold). Expected contrast ratio of 4.5:1"
        },
        {
          "any": [
            {
              "id": "color-contrast",
              "data": {
                "fgColor": "#8a94a6",
                "bgColor": "#ffffff",
                "contrastRatio": 3.05,
                "fontSize": "13.2pt (17.6px)",
                "fontWeight": "bold",
                "messageKey": null,
                "expectedContrastRatio": "4.5:1",
                "shadowColor": null
              },
              "relatedNodes": [
                {
                  "html": "<section class=\"trust\">",
                  "target": [
                    ".trust"
                  ]
                }
              ],
              "impact": "serious",
              "message": "Element has insufficient color contrast of 3.05 (foreground color: #8a94a6, background color: #ffffff, font size: 13.2pt (17.6px), font weight: bold). Expected contrast ratio of 4.5:1"
            }
          ],
          "all": [],
          "none": [],
          "impact": "serious",
          "html": "<span>NerdWallet</span>",
          "target": [
            "span:nth-child(4)"
          ],
          "failureSummary": "Fix any of the following:\n  Element has insufficient color contrast of 3.05 (foreground color: #8a94a6, background color: #ffffff, font size: 13.2pt (17.6px), font weight: bold). Expected contrast ratio of 4.5:1"
        },
        {
          "any": [
            {
              "id": "color-contrast",
              "data": {
                "fgColor": "#8a94a6",
                "bgColor": "#ffffff",
                "contrastRatio": 3.05,
                "fontSize": "13.2pt (17.6px)",
                "fontWeight": "bold",
                "messageKey": null,
                "expectedContrastRatio": "4.5:1",
                "shadowColor": null
              },
              "relatedNodes": [
                {
                  "html": "<section class=\"trust\">",
                  "target": [
                    ".trust"
                  ]
                }
              ],
              "impact": "serious",
              "message": "Element has insufficient color contrast of 3.05 (foreground color: #8a94a6, background color: #ffffff, font size: 13.2pt (17.6px), font weight: bold). Expected contrast ratio of 4.5:1"
            }
          ],
          "all": [],
          "none": [],
          "impact": "serious",
          "html": "<span>Investopedia</span>",
          "target": [
            "span:nth-child(5)"
          ],
          "failureSummary": "Fix any of the following:\n  Element has insufficient color contrast of 3.05 (foreground color: #8a94a6, background color: #ffffff, font size: 13.2pt (17.6px), font weight: bold). Expected contrast ratio of 4.5:1"
        }
      ]
    }
  ],
  "coverage": {
    "contract": "main-document-vertical-scroll",
    "complete": true,
    "positions": [
      {
        "y": 0,
        "height": 7449
      },
      {
        "y": 576,
        "height": 7449
      },
      {
        "y": 1152,
        "height": 7449
      },
      {
        "y": 1728,
        "height": 7449
      },
      {
        "y": 2304,
        "height": 7449
      },
      {
        "y": 2880,
        "height": 7449
      },
      {
        "y": 3456,
        "height": 7449
      },
      {
        "y": 4032,
        "height": 7449
      },
      {
        "y": 4608,
        "height": 7449
      },
      {
        "y": 5184,
        "height": 7449
      },
      {
        "y": 5760,
        "height": 7449
      },
      {
        "y": 6336,
        "height": 7449
      },
      {
        "y": 6729,
        "height": 7449
      }
    ],
    "scans": 14,
    "max_states": 512,
    "settle_ms": 5000,
    "page_timeout_seconds": 150,
    "layout_stability": "consecutive 100ms size samples within one CSS pixel",
    "animation_settling": "finite animations present when scroll resources are ready finish or are cancelled",
    "interactive_states": "not exercised",
    "horizontal_scroll": "not exercised"
  }
}
System Prompt
You are a lead web developer at a top digital agency, tasked with creating a one-page website for a new client based on the given specifications, delivered as an HTML file. First non-whitespace char '<', last non-whitespace char '>'. Use the following services to generate placeholder images where needed:
- placehold.co (text): https://placehold.co/[{w}x{h}|{size}][/{bg-color}/{text-color}]?text={text}&font=[lato|lora|montserrat|noto sans|open sans|oswald|playfair display|poppins|pt sans|raleway|roboto|source sans|source sans pro]
- picsum.photos (photos): https://picsum.photos/[{w}/{h}|{size}]?[grayscale][&blur={1-10}]
- pravatar.cc (avatars): https://i.pravatar.cc/{size}?u={identifier}
Choose sizes appropriate to layout.
User Prompt
Create a **complete, polished, production-quality** primary web page for a new client in the "Personal Finance" sector.
Your goal is to generate the full HTML code for a page that is not just functional but also visually compelling, content-rich, and feels like a finished product ready for launch.

**Client & Category:**
- Industry: "Personal Finance"
- Description: Banking, investing, budgeting, savings, credit, and personal money management resources.

**Your Creative Task:**
1.  **Invent:** Create a unique, professional-sounding site name and a strong tagline fitting the "Personal Finance" category.
2.  **Define Page:** Determine the most effective primary page type (e.g., homepage, service landing page, category portal) to showcase this fictional entity.
3.  **Design:** Develop an opinionated, modern, and professional layout. Make distinct choices about structure and flow.

**Content & Structure Requirements (Deliver a COMPLETE page):**
-   **Overall:** The final page must feel substantial and complete, with realistic amounts of text (multiple paragraphs per section where appropriate, avoid single sentences), well-integrated placeholder images, and logical flow. It should look like a real website a business would proudly use.
-   **HEADER:** Include the invented site name, tagline, a logo placeholder image, and a primary navigation bar. Ensure the navigation has **at least 5-7 clearly defined, relevant links** including: "Budget Planner", "Banking", "Insurance".
-   **MAIN CONTENT:** Structure this area with **at least 3-4 distinct, well-developed sections**.
    -   Address key topics relevant to the "Personal Finance" category. Consider themes similar to: "Credit Improvement", "Wealth Building", "Financial Planning".
    -   **Content Depth:** Populate each section with **substantial, realistic text** (multiple sentences/paragraphs). Use authentic industry language and terminology like: "credit score", "amortization", "compound interest".
    -   **Visuals:** Integrate relevant placeholder images logically within the content sections.
    -   **Calls to Action:** Include clear and contextually relevant CTAs. Use strong verbs similar to: "Talk to Advisor", "Plan Retirement", "Check Credit".
-   **ENGAGEMENT (Recommended):** Strongly consider incorporating **one meaningful interactive element** that would genuinely benefit a user in the "Personal Finance" sector. Ideas similar but not limited to: "savings goal tracker".
-   **SIDEBAR (Optional):** If your design includes a sidebar, populate it with **useful, relevant content**. Ideas: "financial planning tips", "product reviews", "market updates".
-   **FOOTER:** Include a professional footer with invented contact details, copyright (current year), social media links, and standard links (Privacy, Terms).
-   **MODERN WEB PATTERNS:** Include modern web patterns like testimonial cards, feature grids, or FAQ accordions where appropriate.