:root{--ink:#182b31;--ink-soft:#42555b;--deep:#112b32;--deep-2:#173d46;--teal:#1e6b70;--paper:#f6f3ed;--white:#fffdf8;--line:#d9d9d0;--gold:#e3b46c;--muted:#6d7b7c;--serif:'Playfair Display',Georgia,serif;--sans:'DM Sans',Arial,sans-serif}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font-family:var(--sans);line-height:1.55;-webkit-font-smoothing:antialiased}a{color:inherit}button{font:inherit}::selection{background:#e3b46c;color:#112b32}.shell{width:min(1240px,calc(100% - 72px));margin-inline:auto}.skip-link{position:absolute;left:10px;top:-60px;z-index:100;background:#fff;padding:12px}.skip-link:focus{top:10px}:focus-visible{outline:3px solid #bd7b34;outline-offset:4px}
.site-header{position:relative;z-index:30;background:#fffdf8;border-bottom:1px solid #e4e2db}.header-inner{height:88px;display:flex;align-items:center;gap:44px}.wordmark{display:flex;align-items:center;gap:11px;text-decoration:none;flex-shrink:0}.mark{position:relative;display:grid;place-items:center;width:46px;height:46px;border:1.5px solid var(--deep);font:600 22px var(--serif);letter-spacing:-.1em;padding-right:3px}.mark:after{content:'';position:absolute;width:25px;height:1px;background:var(--gold);transform:rotate(-45deg)}.wordmark-copy{font-size:10px;line-height:1.25;letter-spacing:.18em;color:var(--deep)}.wordmark-copy strong{font-size:12px;letter-spacing:.12em}.site-header nav:not(.mobile-nav){display:flex;gap:31px;margin-left:auto}.site-header nav a{text-decoration:none;color:#35474b;font-size:13px;font-weight:600;transition:color .2s}.site-header nav a:hover{color:#ba7838}.header-cta{border:1px solid var(--deep);padding:12px 16px;text-decoration:none;font-size:12px;letter-spacing:.02em;font-weight:700;white-space:nowrap;transition:background .2s,color .2s}.header-cta:hover{background:var(--deep);color:white}.header-cta span{margin-left:9px}.menu-toggle{display:none;border:0;background:none;padding:8px}.menu-toggle span{display:block;height:2px;width:24px;background:var(--deep);margin:5px}.mobile-nav[hidden]{display:none}
.hero{background:var(--deep);color:#f8f7ef;position:relative;overflow:hidden}.hero-grain{pointer-events:none;position:absolute;inset:0;background:radial-gradient(circle at 20% 0%,#24515c 0,transparent 43%),linear-gradient(120deg,transparent 60%,rgba(227,180,108,.08));opacity:.6}.hero-grid{position:relative;display:grid;grid-template-columns:1.12fr .88fr;min-height:680px;align-items:stretch}.hero-copy{padding:95px 35px 83px 0;display:flex;flex-direction:column;align-items:flex-start;justify-content:center}.eyebrow,.section-label{font-size:11px;font-weight:700;letter-spacing:.19em;text-transform:uppercase}.eyebrow{display:flex;align-items:center;gap:10px;color:#e4bb7c}.eyebrow-dot{height:7px;width:7px;border-radius:100%;background:var(--gold);box-shadow:0 0 0 5px rgba(227,180,108,.16)}h1,h2,h3,p{margin-top:0}.hero h1{font:500 clamp(46px,5.2vw,76px)/1.12 var(--serif);letter-spacing:-.035em;margin:28px 0}.hero h1 em,.section h2 em,.feature-section h2 em,.final-cta h2 em{font-weight:500;color:var(--gold)}.hero-lede{max-width:590px;color:#d8e1df;font-size:18px;line-height:1.7}.hero-actions{display:flex;gap:27px;align-items:center;margin-top:28px}.button{display:inline-flex;align-items:center;justify-content:space-between;gap:32px;text-decoration:none;padding:14px 18px;min-height:52px;font-weight:700;font-size:13px;transition:transform .2s,background .2s,box-shadow .2s}.button:hover{transform:translateY(-2px);box-shadow:0 10px 22px rgba(0,0,0,.12)}.button-light{color:var(--deep);background:#f4efe3}.button-gold{background:var(--gold);color:#152f35}.text-link{text-decoration:none;font-size:13px;font-weight:700;padding-bottom:5px;border-bottom:1px solid}.light-link{color:#f1e7d4}.text-link span{margin-left:10px}.hero-disclosure{font-size:11px;color:#b5c7c4;margin:52px 0 0;max-width:470px}.hero-art{position:relative;display:flex;align-items:end;align-self:stretch;min-width:0;background:linear-gradient(180deg,#a6c3c0 0%,#f4e1b4 72%,#245f6c 72%);overflow:hidden}.hero-art svg{display:block;position:absolute;bottom:0;left:0;width:100%;height:100%;object-fit:cover}.art-caption{position:absolute;right:20px;bottom:20px;z-index:2;color:#fff8e9;background:rgba(18,50,58,.68);padding:7px 10px;font:italic 13px var(--serif)}
.intro-band{background:#e6ded0;border-bottom:1px solid #d7cdba}.intro-band-inner{min-height:118px;display:flex;justify-content:space-between;align-items:center;gap:40px}.intro-band p{font:500 19px/1.55 var(--serif);max-width:820px;margin:0}.intro-band strong{font-weight:700}.band-index{font-size:10px;letter-spacing:.2em;font-weight:700;color:#715b45;white-space:nowrap}
.section{padding:114px 0}.section-label{color:#9b6e3c;margin-bottom:18px}.section-heading{display:flex;justify-content:space-between;align-items:end;gap:50px;margin-bottom:55px}.section-heading h2,.feature-section h2,.case-section h2,.faq-section h2,.final-cta h2{font:500 clamp(37px,4.2vw,60px)/1.16 var(--serif);letter-spacing:-.035em;margin:0}.section-heading h2 em,.faq-section h2 em{color:#a96f39}.section-heading>p{max-width:380px;font-size:14px;color:var(--ink-soft);margin:0;line-height:1.75}.section-heading>p a{font-weight:700;text-underline-offset:3px}.question-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:#d9d9d0;border:1px solid #d9d9d0}.question-card{min-height:242px;padding:33px 30px;background:var(--white)}.q-number{display:block;color:#ad7842;font:500 25px var(--serif);margin-bottom:28px}.question-card h3{font:600 19px/1.25 var(--serif);margin-bottom:12px}.question-card p{color:#536064;font-size:13px;line-height:1.7;margin:0}
.feature-section{background:var(--deep);color:#f8f5eb;padding:105px 0}.feature-grid{display:grid;grid-template-columns:1fr .87fr;gap:90px;align-items:stretch}.label-gold{color:var(--gold)}.feature-section h2{margin-bottom:24px}.feature-section h2 em{color:var(--gold)}.feature-lede{font-size:18px;line-height:1.7;color:#d4dfdd;max-width:520px}.feature-stats{display:flex;gap:30px;border-top:1px solid rgba(255,255,255,.22);border-bottom:1px solid rgba(255,255,255,.22);margin:42px 0;padding:22px 0}.feature-stats>div{flex:1;border-right:1px solid rgba(255,255,255,.18);min-width:0}.feature-stats>div:last-child{border:0}.feature-stats strong{display:block;color:#fff5dd;font:500 34px var(--serif)}.feature-stats span{font-size:11px;color:#bbd0cd;line-height:1.3;display:block;margin-top:5px}.feature-source{font-size:11px;color:#a8c2bf;max-width:500px;margin:26px 0 0}.feature-right{background:#f6f3eb;color:var(--ink);padding:28px 40px 16px;position:relative}.feature-ribbon{font-size:10px;font-weight:700;letter-spacing:.17em;color:#a46f3b;padding:0 0 14px;border-bottom:1px solid #c9cac3}.service-item{display:grid;grid-template-columns:38px 1fr;gap:18px;border-bottom:1px solid #d6d9d3;padding:28px 0}.service-item:last-child{border:0}.service-item>span{font:500 18px var(--serif);color:#bc8450}.service-item h3{font:600 19px var(--serif);margin:0 0 7px}.service-item p{font-size:13px;color:#546166;line-height:1.6;margin:0}
.process-section{background:#f7f5ef}.timeline{display:grid;grid-template-columns:repeat(4,1fr);gap:0;border-top:1px solid #bbcec7}.timeline-step{position:relative;padding:38px 28px 0 0}.timeline-step:before{content:'';position:absolute;top:-6px;left:0;width:11px;height:11px;background:var(--teal);border-radius:50%}.timeline-step span{font:500 28px var(--serif);color:#a96f39}.timeline-step h3{font:600 20px var(--serif);margin:26px 0 11px}.timeline-step p{font-size:13px;line-height:1.7;color:#536064;max-width:260px}
.case-section{background:#e2e8e2;padding:90px 0}.case-grid{display:grid;grid-template-columns:1.4fr .6fr;gap:80px;align-items:center}.case-section h2{margin-bottom:27px}.case-section p:not(.section-label){max-width:680px;line-height:1.8;color:#354c50;font-size:15px}.case-section .case-note{font-size:11px!important;color:#617171!important;margin-top:24px}.case-stat{border-left:1px solid #b4c6c3;padding-left:60px;display:flex;flex-direction:column;gap:18px}.case-amount{font:500 clamp(54px,7vw,94px)/1 var(--serif);color:#194f5a;letter-spacing:-.04em}.case-line{width:80px;height:2px;background:#ae7840}.case-stat span:last-child{text-transform:uppercase;font-size:11px;letter-spacing:.1em;line-height:1.7;font-weight:700;color:#536d70}
.faq-section{background:#fffdf8}.faq-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:80px}.faq-intro{font-size:14px;max-width:280px;color:#58666a;margin-top:25px}.faq-list{border-top:1px solid #d8ded8}.faq-list details{border-bottom:1px solid #d8ded8;padding:0 0}.faq-list summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;gap:20px;align-items:center;font:600 18px var(--serif);padding:22px 0}.faq-list summary::-webkit-details-marker{display:none}.faq-list summary span{font:400 27px var(--sans);color:#a46f3b;transition:transform .2s}.faq-list details[open] summary span{transform:rotate(45deg)}.faq-list details p{font-size:13px;color:#526166;line-height:1.8;margin:0 0 25px;max-width:570px}.faq-list details a{text-underline-offset:3px}
.final-cta{background:#163e48;color:#f9f6ec;padding:91px 0}.final-inner{display:flex;justify-content:space-between;gap:50px;align-items:end}.final-cta h2 em{color:var(--gold)}.final-cta p:not(.section-label){max-width:570px;color:#ceddda;font-size:15px;line-height:1.7;margin:23px 0 0}.final-actions{display:flex;flex-direction:column;align-items:flex-start;gap:16px;min-width:230px}.phone-link{font-size:13px;text-decoration:none;border-bottom:1px solid #c4d7d2;padding-bottom:3px}.site-footer{background:#0d252c;color:#c7d3d1;padding:60px 0 0}.footer-grid{display:grid;grid-template-columns:1fr 1.25fr .6fr;gap:75px}.footer-title,.footer-heading{display:block;color:#fff5df;font-weight:700;font-size:11px;letter-spacing:.13em;margin-bottom:20px}.footer-grid p{font-size:11px;line-height:1.75;color:#a9bfbc}.footer-grid a{display:block;color:#d7e3e0;text-decoration:none;font-size:11px;margin-bottom:12px}.footer-grid a:hover{text-decoration:underline}.footer-bottom{border-top:1px solid rgba(255,255,255,.12);padding:20px 0;margin-top:45px;display:flex;justify-content:space-between;font-size:10px;color:#8caaa7}
@media(max-width:1050px){.header-inner{gap:24px}.site-header nav:not(.mobile-nav){gap:18px}.hero-grid{min-height:610px}.hero-copy{padding:75px 25px 70px 0}.feature-grid{gap:45px}.feature-right{padding-inline:30px}.footer-grid{gap:40px}}
@media(max-width:780px){.shell{width:min(100% - 36px,600px)}.header-inner{height:70px}.site-header nav:not(.mobile-nav),.header-cta{display:none}.menu-toggle{display:block;margin-left:auto}.mobile-nav{display:flex;flex-direction:column;background:#fffdf8;border-top:1px solid #e5e2d9;padding:14px 18px 22px;gap:0}.mobile-nav a{padding:10px 0!important}.hero-grid{display:flex;flex-direction:column;min-height:auto}.hero-copy{padding:70px 0 55px}.hero h1{font-size:clamp(45px,11vw,66px)}.hero-lede{font-size:16px}.hero-art{height:340px;width:100%;flex-shrink:0}.hero-art svg{height:100%;width:100%}.hero-disclosure{margin-top:40px}.intro-band-inner{padding:28px 0;min-height:auto;align-items:start}.intro-band p{font-size:16px}.band-index{display:none}.section{padding:78px 0}.section-heading{display:block;margin-bottom:35px}.section-heading h2,.feature-section h2,.case-section h2,.faq-section h2,.final-cta h2{font-size:clamp(35px,9vw,54px)}.section-heading>p{margin-top:22px}.question-grid{grid-template-columns:repeat(2,1fr)}.question-card{min-height:225px;padding:25px}.feature-section{padding:75px 0}.feature-grid,.faq-grid,.case-grid{grid-template-columns:1fr;gap:50px}.feature-stats{gap:15px}.feature-right{padding:25px}.process-heading{margin-bottom:50px}.timeline{grid-template-columns:repeat(2,1fr);row-gap:25px}.case-section{padding:75px 0}.case-stat{border-left:0;border-top:1px solid #b4c6c3;padding:25px 0 0}.final-inner{display:block}.final-actions{margin-top:35px}.footer-grid{grid-template-columns:1fr 1fr;gap:25px}.footer-grid>div:nth-child(2){grid-row:2;grid-column:1/-1}}
@media(max-width:500px){.hero-actions{align-items:flex-start;flex-direction:column;gap:22px}.hero-art{height:280px}.question-grid{grid-template-columns:1fr}.question-card{min-height:auto;padding:25px 26px}.q-number{margin-bottom:16px}.feature-stats{flex-wrap:wrap;gap:20px}.feature-stats>div{flex:1 1 85px}.feature-stats strong{font-size:27px}.timeline{grid-template-columns:1fr}.timeline-step{padding-top:28px}.timeline-step h3{margin-top:14px}.footer-grid{grid-template-columns:1fr}.footer-grid>div:nth-child(2){grid-row:auto;grid-column:auto}.footer-bottom{display:block}.footer-bottom span{display:block;margin-bottom:7px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{transition-duration:.01ms!important;animation-duration:.01ms!important}}

/* Editorial broker guide */
.sponsor-label{display:inline-block;padding:8px 11px;margin:10px 0 0;background:#2d5660;border:1px solid #78999b;color:#fff6e5;font-size:12px;font-weight:700}
.hero-disclosure{font-size:13px;line-height:1.6;color:#d9e8e4;margin-top:34px;max-width:620px;border-left:3px solid var(--gold);padding-left:14px}
.intro-band{padding:75px 0}
.intro-guide{display:grid;grid-template-columns:1fr 1fr;gap:80px;align-items:start}
.intro-guide h2{font:500 clamp(37px,4.2vw,60px)/1.16 var(--serif);letter-spacing:-.035em;margin:0}
.intro-guide h2 em{color:#a96f39}
.intro-guide>div:last-child p{font-size:15px;line-height:1.8;color:#46585a;margin-bottom:15px}
.feature-body{font-size:15px;line-height:1.8;color:#d4dfdd;max-width:540px}
.feature-tags{display:flex;flex-wrap:wrap;gap:8px;margin:28px 0}
.feature-tags span{font-size:11px;font-weight:700;padding:7px 10px;border:1px solid #829d9c;color:#e4efea}
.feature-quote{font:500 clamp(27px,3vw,40px)/1.35 var(--serif);color:#284b51;margin:45px 0 30px}
.feature-aside-copy{font-size:14px;line-height:1.8;color:#536166}
.feature-web-link{display:inline-block;margin:25px 0 15px;font-size:13px;font-weight:700;text-decoration:none}
.feature-web-link:hover{text-decoration:underline}
.other-brokers{padding:105px 0;background:#fffdf8}
.broker-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}
.broker-card{border:1px solid #d6ddd7;background:#fff;padding:33px 36px;display:flex;flex-direction:column;min-height:345px}
.broker-card-top{display:flex;justify-content:space-between;align-items:center;margin-bottom:27px}
.broker-monogram{display:grid;place-items:center;width:43px;height:43px;background:#e5eeea;color:#2d5660;font:600 15px var(--serif)}
.broker-area{font-size:10px;font-weight:700;letter-spacing:.16em;color:#a06f3e}
.broker-card h3{font:500 30px/1.25 var(--serif);margin-bottom:18px}
.broker-card p{font-size:14px;line-height:1.75;color:#4d5f62}
.broker-prompt{margin-top:auto;padding-top:14px;border-top:1px solid #d6ddd7}
.broker-prompt strong{color:#9d6b39}
.broker-card a{font-size:13px;font-weight:700;text-decoration:none;margin-top:7px}
.broker-card a:hover{text-decoration:underline}
@media(max-width:780px){.intro-guide{grid-template-columns:1fr;gap:28px}.intro-band,.other-brokers{padding:75px 0}.broker-grid{grid-template-columns:1fr}.broker-card{min-height:auto}.feature-quote{margin:28px 0 18px}}

/* Public-source editorial profiles */
.hero-grid{grid-template-columns:1.18fr .82fr}
.hero h1{font-size:clamp(43px,4.8vw,70px)}
.hero-disclosure strong{color:#fff4d9}
.method-grid{display:grid;grid-template-columns:repeat(3,1fr);border-top:1px solid #c8beae;margin-top:45px}
.method-grid>div{padding:26px 28px 0 0}
.method-grid>div+div{border-left:1px solid #c8beae;padding-left:28px}
.method-grid span,.profile-kicker,.profile-location{font-size:10px;font-weight:700;letter-spacing:.17em}
.method-grid span{color:#87613d}
.method-grid h3{font:600 19px/1.3 var(--serif);margin:12px 0 8px}
.method-grid p{font-size:13px;line-height:1.7;color:#526164;margin-bottom:0}
.profile-kicker{display:flex;justify-content:space-between;gap:20px;color:var(--gold);border-bottom:1px solid rgba(255,255,255,.24);padding-bottom:18px;margin-bottom:44px}
.feature-section h2{font-size:clamp(43px,5vw,70px)}
.profile-subhead{font-size:11px;letter-spacing:.15em;text-transform:uppercase;color:#e4bb7c;margin:32px 0 10px}
.feature-left .feature-body{margin-bottom:0}
.feature-source a{color:#d7e7e2;text-underline-offset:3px}
.feature-right{align-self:start;padding:35px 40px}
.feature-quote{margin:45px 0 28px}
.profile-list{border-top:1px solid #cdd4ce}
.profile-row{display:grid;grid-template-columns:.37fr .63fr;gap:70px;padding:42px 0;border-bottom:1px solid #cdd4ce}
.profile-identity{display:flex;flex-direction:column;align-items:flex-start}
.profile-monogram{display:grid;place-items:center;width:44px;height:44px;background:#e6eeeb;color:#2d5660;font:600 15px var(--serif);margin-bottom:20px}
.profile-location{color:#9b6e3c;margin-bottom:9px}
.profile-identity h3{font:500 clamp(27px,3vw,36px)/1.25 var(--serif);margin-bottom:20px}
.profile-identity a{font-size:13px;font-weight:700;text-decoration:none;border-bottom:1px solid #8b9a96;padding-bottom:4px}
.profile-identity a:hover{color:#a96f39}
.profile-detail h4{font-size:11px;letter-spacing:.14em;text-transform:uppercase;color:#9b6e3c;margin:0 0 7px}
.profile-detail p{font-size:14px;line-height:1.8;color:#42565a;margin:0 0 23px}
.profile-detail p:last-child{margin-bottom:0}
.profile-note{font-size:12px;line-height:1.7;color:#647273;margin:25px 0 0;max-width:850px}
@media(max-width:780px){.hero-grid{display:flex}.method-grid{grid-template-columns:1fr;margin-top:30px}.method-grid>div,.method-grid>div+div{border-left:0;border-top:1px solid #c8beae;padding:20px 0}.method-grid>div:first-child{border-top:0}.profile-row{grid-template-columns:1fr;gap:24px;padding:34px 0}.profile-kicker{margin-bottom:32px}.feature-right{padding:26px}.profile-identity h3{margin-bottom:14px}}