@font-face{font-family:Inter;font-style:normal;font-display:swap;font-weight:400;src:url(/_astro/inter-latin-400-normal.C38fXH4l.woff2)format("woff2"),url(/_astro/inter-latin-400-normal.CyCys3Eg.woff)format("woff")}@font-face{font-family:Inter;font-style:normal;font-display:swap;font-weight:500;src:url(/_astro/inter-latin-500-normal.Cerq10X2.woff2)format("woff2"),url(/_astro/inter-latin-500-normal.BL9OpVg8.woff)format("woff")}@font-face{font-family:Inter;font-style:normal;font-display:swap;font-weight:600;src:url(/_astro/inter-latin-600-normal.LgqL8muc.woff2)format("woff2"),url(/_astro/inter-latin-600-normal.CiBQ2DWP.woff)format("woff")}@font-face{font-family:Playfair Display;font-style:normal;font-display:swap;font-weight:500;src:url(/_astro/playfair-display-latin-500-normal.DIxvyhka.woff2)format("woff2"),url(/_astro/playfair-display-latin-500-normal.BScSeVwi.woff)format("woff")}@font-face{font-family:Playfair Display;font-style:italic;font-display:swap;font-weight:400;src:url(/_astro/playfair-display-latin-400-italic.LeeEXsx5.woff2)format("woff2"),url(/_astro/playfair-display-latin-400-italic.hIeePEuE.woff)format("woff")}@font-face{font-family:Playfair Display;font-style:italic;font-display:swap;font-weight:500;src:url(/_astro/playfair-display-latin-500-italic.BFrGFGAj.woff2)format("woff2"),url(/_astro/playfair-display-latin-500-italic.CRSb1Pyp.woff)format("woff")}:root{--navy:#0d2c54;--navy-deep:#0e182c;--cream:#fcf8ee;--cream-2:#f7f1e2;--peach:#fae5d0;--terra:#cc6b49;--orange:#f4a261;--ink:#353c46;--muted:#5b6472;--hair:#0d2c5438;--hair-soft:#0d2c541f;--serif:"Playfair Display", Georgia, serif;--sans:Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;--text-h1:clamp(2.45rem, 5.4vw + 1rem, 4.4rem);--text-h2:clamp(2rem, 3.8vw + .5rem, 2.9rem);--text-h3:clamp(1.3rem, 2.5vw + .25rem, 1.5rem);--text-body:1.0625rem;--leading:1.7;--radius-card:22px;--radius-pill:999px;--space-section:clamp(4rem, 10vw, 6.25rem);--wrap-max:72.5rem;--wrap-pad:clamp(1.25rem, 4vw, 2rem)}*{box-sizing:border-box}html{scroll-behavior:smooth}body{background:var(--cream);color:var(--ink);font-family:var(--sans);font-size:var(--text-body);line-height:var(--leading);margin:0;overflow-x:clip}body.menu-open{overflow:hidden}img{max-width:100%;display:block}a{color:inherit}button,input,textarea{font:inherit}h1,h2,h3{color:var(--navy);font-family:var(--serif);margin:0;font-weight:500;line-height:1.12}h1{font-size:var(--text-h1)}h2{font-size:var(--text-h2)}h3{font-size:var(--text-h3)}p{margin:0 0 1rem}.wrap{width:min(100% - (var(--wrap-pad) * 2), var(--wrap-max));margin-inline:auto}.section--soft{background:var(--cream-2)}.eyebrow,.index-label{color:var(--terra);font-family:var(--serif);margin-bottom:1rem;font-size:1rem;font-style:italic;display:block}.lead{max-width:38rem;color:var(--muted);font-size:clamp(1.08rem,1.5vw,1.22rem)}.sr-only{clip:rect(0, 0, 0, 0);white-space:nowrap;width:1px;height:1px;position:absolute;overflow:hidden}.skip-link{z-index:100;background:var(--navy);color:var(--cream);border-radius:.4rem;padding:.6rem .9rem;position:fixed;top:.5rem;left:.5rem;transform:translateY(-150%)}.skip-link:focus{transform:translateY(0)}:focus-visible{outline:2px solid var(--terra);outline-offset:3px}.button{border-radius:var(--radius-pill);text-align:center;border:1.5px solid #0000;justify-content:center;align-items:center;min-height:3rem;padding:.75rem 1.35rem;font-size:.95rem;font-weight:600;line-height:1.2;text-decoration:none;transition:background-color .18s,border-color .18s,color .18s,transform .18s;display:inline-flex}.button--primary{background:var(--navy);color:var(--cream)}.button--primary:hover{background:var(--terra)}.button--secondary{border-color:var(--hair);color:var(--navy)}.button--secondary:hover{border-color:var(--navy)}.text-link{color:var(--navy);text-decoration-color:var(--terra);text-underline-offset:.2em;font-weight:600;text-decoration-thickness:2px}.site-header{z-index:50;border-bottom:1.5px solid var(--hair);backdrop-filter:blur(8px);background:#fcf8eef2;position:sticky;top:0}.site-header__inner{align-items:center;gap:.85rem;min-height:4rem;display:flex}.brand{min-width:0;color:var(--navy);font-family:var(--serif);align-items:center;gap:.625rem;margin-right:auto;font-size:1.1875rem;line-height:1.1;text-decoration:none;display:inline-flex}.brand__mark{fill:none;stroke:currentColor;stroke-linecap:round;stroke-width:1.7px;flex:none;width:1.75rem}.menu-toggle{border:1.5px solid var(--hair);border-radius:var(--radius-pill);background:var(--cream);min-width:3rem;min-height:3rem;color:var(--navy);font-size:.85rem;font-weight:600}.site-header__call{border:1.5px solid var(--hair);width:3rem;height:3rem;color:var(--navy);border-radius:50%;flex:none;justify-content:center;align-items:center;text-decoration:none;display:inline-flex}.site-header__call svg{fill:none;stroke:currentColor;stroke-linecap:round;stroke-linejoin:round;stroke-width:1.9px;width:1.1rem}.site-nav{min-height:calc(100dvh - 4rem);padding:2rem var(--wrap-pad);background:var(--cream);flex-direction:column;gap:.25rem;display:none;position:fixed;inset:4rem 0 0;overflow-y:auto}.site-nav[data-open]{display:flex}.site-nav__link{min-height:3rem;color:var(--navy);padding:.7rem 0;font-size:1.2rem;font-weight:600;text-decoration:none;display:block}.site-nav__link:hover{color:var(--terra)}.site-nav__phone{margin-top:auto}.site-nav__cta{width:100%}.breadcrumbs{color:var(--muted);padding-top:1.25rem;font-size:.85rem}.breadcrumbs ol{flex-wrap:wrap;gap:.4rem;margin:0;padding:0;list-style:none;display:flex}.breadcrumbs li+li:before{color:var(--terra);content:"/";margin-right:.4rem}.breadcrumbs a{color:var(--navy)}.advice-callout{border:1.5px solid var(--hair);border-left:4px solid var(--terra);border-radius:0 var(--radius-card) var(--radius-card) 0;background:var(--cream-2);max-width:52rem;color:var(--ink);margin:1.5rem 0;padding:1rem 1.1rem;font-size:.87rem}.advice-callout strong{color:var(--navy);margin-bottom:.25rem;display:block}.advice-callout p{margin:0}.advice-callout--compact{font-size:.78rem}.site-footer{background:var(--navy-deep);color:#a5aebf;margin-top:0;padding:4rem 0 2.75rem;font-size:.875rem}.site-footer__grid{border-bottom:1px solid #fcf8ee24;grid-template-columns:repeat(2,minmax(0,1fr));gap:2.5rem;padding-bottom:2.625rem;display:grid}.site-footer h2{color:var(--cream);margin-bottom:.875rem;font-size:1rem}.site-footer a{margin-bottom:.5625rem;text-decoration:none;display:block}.site-footer a:hover{color:var(--orange)}.site-footer p{margin-bottom:.5rem}.site-footer__disclosure{color:#8792a6;padding-top:1.875rem;font-size:.78125rem;line-height:1.6}.site-footer__disclosure p{margin-bottom:.75rem}.page-hero{padding-block:clamp(3rem,8vw,6rem) 2rem}.page-hero h1{max-width:14ch}.page-hero .lead{margin-top:1.2rem}.service-block h2{max-width:25ch}.service-block__copy{max-width:48rem;color:var(--muted);margin-top:1.2rem}.source-note{max-width:58rem;color:var(--muted);margin-top:1.2rem;font-size:.78rem}.numbered-steps{border:1.5px solid var(--hair);border-radius:var(--radius-card);background:#fff;gap:0;margin:2rem 0 0;padding:0;list-style:none;display:grid;overflow:hidden}.numbered-steps li{border-bottom:1.5px solid var(--hair);grid-template-columns:3rem 1fr;gap:.6rem;padding:1.5rem;display:grid}.numbered-steps li:last-child{border-bottom:0}.numbered-steps>li>span{color:var(--terra);font-family:var(--serif);font-size:1.6rem;font-style:italic}.numbered-steps h3{margin-bottom:.45rem;font-size:1.25rem}.numbered-steps p{color:var(--muted);margin:0;font-size:.94rem}.table-wrap{border:1.5px solid var(--hair);border-radius:var(--radius-card);background:#fff;margin-top:2rem;overflow-x:auto}.table-wrap table{border-collapse:collapse;width:100%;min-width:40rem;font-size:.9rem}.table-wrap caption{color:var(--muted);caption-side:top;text-align:left;padding:1rem 1.1rem}.table-wrap th,.table-wrap td{border-top:1.5px solid var(--hair);text-align:left;vertical-align:top;padding:1rem}.table-wrap thead th{color:var(--navy);font-family:var(--serif);border-top:0;font-size:1.05rem;font-weight:500}.service-block__split{gap:1.5rem;display:grid}.tick-list{gap:.7rem;margin:0;padding:0;list-style:none;display:grid}.tick-list li{color:var(--muted);padding-left:1.6rem;position:relative}.tick-list li:before{color:var(--terra);content:"—";font-weight:600;position:absolute;left:0}.audience-grid{border-top:1.5px solid var(--hair);border-left:1.5px solid var(--hair);gap:0;margin-top:2rem;display:grid}.audience-grid article{border-right:1.5px solid var(--hair);border-bottom:1.5px solid var(--hair);background:#fff;padding:1.5rem}.audience-grid h3{margin-bottom:.6rem}.audience-grid p{color:var(--muted);margin:0;font-size:.94rem}.faq-list{border-top:1.5px solid var(--hair);max-width:52rem;margin-top:2rem}.faq-list details{border-bottom:1.5px solid var(--hair)}.faq-list summary{min-height:3rem;color:var(--navy);cursor:pointer;font-family:var(--serif);justify-content:space-between;align-items:center;gap:1rem;padding:1rem .25rem;font-size:1.25rem;display:flex}.faq-list summary:after{color:var(--terra);content:"+";font-size:1.6rem}.faq-list details[open] summary:after{content:"−"}.faq-list__answer{max-width:45rem;color:var(--muted);padding:0 .25rem 1.25rem;font-size:.94rem}.faq-list__answer p{margin:0}.service-block__related{margin-top:1.8rem;font-size:.9rem}.cta-panel{margin-block:var(--space-section);border:1.5px solid var(--hair);border-radius:var(--radius-card);background:var(--peach);gap:2rem;padding:clamp(1.6rem,5vw,3rem);display:grid}.cta-panel h2{margin-bottom:1rem}.cta-panel>div>p{max-width:34rem;color:var(--muted)}.cta-panel__card{border:1.5px solid var(--hair);border-radius:var(--radius-card);background:#fff;padding:1.5rem}.cta-panel__card h3{margin-bottom:.7rem}.cta-panel__card ul{color:var(--muted);gap:.45rem;margin:0 0 1rem;padding:0;font-size:.9rem;list-style:none;display:grid}.cta-panel__card li{padding-left:1.3rem;position:relative}.cta-panel__card li:before{color:var(--terra);content:"—";position:absolute;left:0}.cta-panel__card p{margin:0;font-size:.78rem}.section-heading h2 em,.home-hero h1 em,.home-why h2 em,.claims-band em{color:var(--terra);font-style:italic}.section-heading p{color:var(--muted);margin-top:1rem}.home-hero{padding-block:clamp(3.5rem,8vw,5.25rem);overflow:hidden}.home-hero__grid{align-items:center;gap:2.5rem;display:grid}.home-hero__kicker{color:var(--navy);letter-spacing:.04em;text-transform:uppercase;align-items:center;gap:.75rem;margin-bottom:1rem;font-size:.78rem;font-weight:600;display:flex}.home-hero__kicker:before{background:var(--terra);content:"";width:2rem;height:1.5px}.home-hero h1{max-width:13ch}.home-hero__lead{max-width:36rem;color:var(--muted);margin-top:1.3rem;font-size:1.1rem}.home-hero__actions{gap:.7rem;margin-top:1.8rem;display:grid}.home-hero__fine{max-width:36rem;color:var(--muted);margin-top:1rem;font-size:.75rem}.home-hero__art{width:min(100%,23rem);margin-inline:auto;padding:1.2rem 1.2rem 0 0;position:relative}.home-hero__art img{border-radius:11rem 11rem 1rem 1rem;position:relative}.home-hero__frame{border:1.5px solid var(--hair);border-radius:12rem 12rem 1.2rem 1.2rem;position:absolute;inset:0 0 1.1rem 1.1rem}.home-hero__umbrella{z-index:2;fill:none;width:5.5rem;stroke:var(--terra);stroke-linecap:round;stroke-width:2.2px;position:absolute;top:-1rem;right:-.8rem}.ticker{border-block:1.5px solid var(--hair);background:var(--cream);overflow:hidden}.ticker__inner{width:max-content;color:var(--navy);font-family:var(--serif);gap:2.5rem;padding-block:.7rem;font-style:italic;animation:32s linear infinite ticker;display:flex}.ticker__inner span:after{color:var(--terra);content:"·";margin-left:2.5rem}.record-line{border-bottom:1.5px solid var(--hair)}.record-line .wrap{text-align:center;padding-block:clamp(2.5rem,6vw,3.5rem)}.record-line p{max-width:41rem;color:var(--navy);font-family:var(--serif);margin-inline:auto;font-size:clamp(1.45rem,3.1vw,2.3rem);line-height:1.45}.record-line strong{color:var(--terra);white-space:nowrap;font-weight:500}.record-line small{max-width:55rem;color:var(--muted);margin:.75rem auto 0;font-size:.7rem;display:block}.cover-grid{border-top:1.5px solid var(--hair);border-left:1.5px solid var(--hair);display:grid}.cover-card{border-right:1.5px solid var(--hair);border-bottom:1.5px solid var(--hair);background:var(--cream);grid-template-columns:6.8rem 1fr;gap:1.1rem;min-height:10rem;padding:1.2rem;text-decoration:none;transition:background-color .18s;display:grid;position:relative}.cover-card:hover{background:#fff}.cover-card img{object-fit:cover;border-radius:4rem 4rem .75rem .75rem;width:6.8rem;height:6.8rem}.cover-card span{color:var(--terra);font-family:var(--serif);font-size:.9rem;font-style:italic}.cover-card p{color:var(--muted);margin:0;font-size:.82rem;line-height:1.55}.cover-card b{color:var(--terra);font-size:1.2rem;position:absolute;bottom:.9rem;right:1.2rem}.home-why__grid{border-radius:var(--radius-card);background:var(--navy-deep);color:#cad1dd;display:grid;overflow:hidden}.home-why__intro,.home-why article{border-bottom:1px solid #fcf8ee24;padding:2.2rem 1.7rem}.home-why__intro h2,.home-why h3{color:#fff}.home-why article:last-child{border-bottom:0}.home-why article>span{color:var(--orange);font-family:var(--serif);font-size:1rem;font-style:italic}.home-why p{margin:0;font-size:.85rem;line-height:1.6}.home-steps{border:1.5px solid var(--hair);border-radius:var(--radius-card);background:#fff;margin:0;padding:0;list-style:none;display:grid;overflow:hidden}.home-steps li{border-bottom:1.5px solid var(--hair);padding:1.6rem}.home-steps li:last-child{border-bottom:0}.home-steps span{color:var(--terra);font-family:var(--serif);margin-bottom:.9rem;font-size:2rem;font-style:italic;line-height:1;display:block}.home-steps p{color:var(--muted);margin:0;font-size:.9rem}.claims-band{border-block:1.5px solid var(--hair);background:var(--cream-2)}.claims-band__grid{gap:1rem;padding-block:clamp(3.5rem,8vw,5.75rem);display:grid}.claims-band .index-label{margin:0}.claims-band p{max-width:47rem;color:var(--navy);font-family:var(--serif);font-size:clamp(1.4rem,2.9vw,2.1rem);line-height:1.5}.claims-band small{max-width:52rem;color:var(--muted);margin-top:1rem;font-size:.72rem;display:block}.adviser-note{border-bottom:1.5px solid var(--hair);background:#fff}.adviser-note__grid{padding-block:var(--space-section);align-items:center;gap:2.5rem;display:grid}.adviser-note__image{width:min(100%,19rem);margin-inline:auto;padding:.9rem 0 0 .9rem;position:relative}.adviser-note__image:before{border:1.5px solid var(--hair);content:"";border-radius:11rem 11rem 1rem 1rem;position:absolute;inset:0 0 .9rem}.adviser-note__image img{border-radius:10rem 10rem .9rem .9rem;position:relative}.adviser-note h2{margin-bottom:1rem}.adviser-note p{max-width:43rem;color:var(--muted)}.adviser-note__signature{font-family:var(--serif);font-size:1.6rem;font-style:italic;color:var(--navy)!important;margin-bottom:.1rem!important}.adviser-note small{color:var(--muted);font-size:.78rem}.home-quote{background:var(--cream-2)}.home-quote .wrap{text-align:center;max-width:58rem;padding-block:clamp(3.5rem,8vw,6rem)}.home-quote blockquote{color:var(--navy);font-family:var(--serif);margin:0;font-size:clamp(1.55rem,2.9vw,2.15rem);font-style:italic;line-height:1.45}.home-quote p{color:var(--muted);margin:1.2rem 0 0;font-size:.8rem}.learn-teaser{border-top:1.5px solid var(--hair);border-left:1.5px solid var(--hair);display:grid}.learn-teaser a{border-right:1.5px solid var(--hair);border-bottom:1.5px solid var(--hair);flex-direction:column;min-height:15rem;padding:1.6rem;text-decoration:none;display:flex}.learn-teaser a:hover{background:#fff}.learn-teaser span{color:var(--terra);letter-spacing:.12em;text-transform:uppercase;font-size:.68rem;font-weight:600}.learn-teaser h3{margin:.6rem 0;font-size:1.25rem}.learn-teaser p{color:var(--muted);flex:1;margin:0;font-size:.85rem}.cover-hub,.process-grid,.advice-options,.contact-grid{border-top:1.5px solid var(--hair);border-left:1.5px solid var(--hair);gap:0;display:grid}.cover-hub a,.process-grid article,.advice-options article,.contact-grid article{border-right:1.5px solid var(--hair);border-bottom:1.5px solid var(--hair);background:#fff;padding:1.6rem}.cover-hub a{text-decoration:none}.cover-hub a:hover{background:var(--cream-2)}.cover-hub h2,.process-grid h2,.advice-options h2,.contact-grid h2{margin-bottom:.7rem;font-size:1.35rem}.cover-hub p,.process-grid p,.advice-options p,.contact-grid p{color:var(--muted);font-size:.92rem}.cover-hub span,.advice-options>article>span{color:var(--terra);font-size:.8rem;font-weight:600}.process-grid>article>span{color:var(--terra);font-family:var(--serif);margin-bottom:.7rem;font-size:1.7rem;font-style:italic;display:block}.advice-options{max-width:62rem}.advice-options .button{margin-top:.6rem}.checklist-section{max-width:58rem}.checklist-section h2{margin-bottom:1rem}.checklist-section ol{color:var(--muted);gap:.8rem;margin:0 0 1.3rem;padding-left:1.4rem;display:grid}.about-grid{align-items:start;gap:2rem;display:grid}.about-grid>img{border-radius:10rem 10rem 1rem 1rem;width:min(100%,23rem)}.about-grid h2{margin-bottom:1rem}.about-grid p{color:var(--muted)}.about-grid dl{border-top:1.5px solid var(--hair);border-left:1.5px solid var(--hair);gap:0;margin:1.5rem 0 0;display:grid}.about-grid dl div{border-right:1.5px solid var(--hair);border-bottom:1.5px solid var(--hair);padding:1rem}.about-grid dt{color:var(--terra);letter-spacing:.08em;text-transform:uppercase;font-size:.75rem;font-weight:600}.about-grid dd{color:var(--navy);font-family:var(--serif);margin:.25rem 0 0}.legal-copy{max-width:52rem}.legal-copy h2{margin:2rem 0 .8rem;font-size:1.5rem}.legal-copy h2:first-child{margin-top:0}.legal-copy p{color:var(--muted)}.not-found{padding-block:clamp(5rem,14vw,10rem)}.not-found h1{max-width:12ch}.not-found .lead{margin-top:1rem}.not-found div{flex-wrap:wrap;gap:.75rem;margin-top:1.5rem;display:flex}.article-page{max-width:52rem;padding-bottom:var(--space-section)}.article-page header{padding-top:1rem}.article-page h1{max-width:16ch}.article-page__answer{max-width:44rem;color:var(--muted);margin-top:1rem;font-size:1.12rem}.article-page__byline{color:var(--muted);margin-top:1rem;font-size:.8rem}.article-page__byline a{color:var(--navy)}.article-page__body{color:var(--muted);margin-top:2.5rem}.article-page__body h2{margin:2.2rem 0 .8rem;font-size:1.7rem}.article-page__body h3{margin:1.7rem 0 .65rem;font-size:1.3rem}.article-page__body ul,.article-page__body ol{padding-left:1.3rem}.article-page__body li{margin-bottom:.5rem}.article-page__body table{border-collapse:collapse;width:100%;margin:1.5rem 0;font-size:.9rem}.article-page__body th,.article-page__body td{border:1px solid var(--hair);text-align:left;vertical-align:top;padding:.75rem}.article-page__sources{border-top:1.5px solid var(--hair);margin-top:2.5rem;padding-top:1.5rem}.article-page__sources h2{font-size:1.45rem}.article-page__sources ul{margin:.75rem 0 0;padding-left:1.2rem}.article-page__sources li{margin-bottom:.4rem;font-size:.86rem}.article-page__sources span{color:var(--muted)}.learn-hub{gap:3rem;display:grid}.learn-hub>section h2{text-transform:capitalize;margin-bottom:1rem}.learn-hub__cards{border-top:1.5px solid var(--hair);border-left:1.5px solid var(--hair);display:grid}.learn-hub__cards a{border-right:1.5px solid var(--hair);border-bottom:1.5px solid var(--hair);background:#fff;flex-direction:column;min-height:14rem;padding:1.5rem;text-decoration:none;display:flex}.learn-hub__cards a:hover{background:var(--cream-2)}.learn-hub__cards span{color:var(--terra);letter-spacing:.1em;text-transform:uppercase;font-size:.7rem;font-weight:600}.learn-hub__cards h3{margin:.6rem 0;font-size:1.2rem}.learn-hub__cards p{color:var(--muted);flex:1;margin:0;font-size:.86rem}.learn-hub__cards small{color:var(--muted);margin-top:1rem;font-size:.7rem}@keyframes ticker{to{transform:translate(-50%)}}@media (width>=55rem){.site-header__inner{gap:1.875rem;min-height:auto;padding-block:1.125rem}.site-header__call,.menu-toggle{display:none}.site-nav{background:0 0;flex-direction:row;flex:1;justify-content:flex-end;align-items:center;gap:1.875rem;min-height:auto;padding:0;display:flex;position:static;overflow:visible}.site-nav__link{min-height:auto;color:var(--ink);padding:0;font-size:.90625rem;font-weight:500}.site-nav__phone{white-space:nowrap;color:var(--navy);margin-top:0;font-size:.90625rem;font-weight:600;text-decoration:none}.site-nav__cta{width:auto;min-height:auto;padding:.6875rem 1.5rem;font-size:.875rem}.site-footer__grid{grid-template-columns:1.5fr repeat(3,1fr);gap:2.5rem}.numbered-steps{grid-template-columns:repeat(3,1fr)}.numbered-steps li{border-right:1.5px solid var(--hair);border-bottom:0;grid-template-columns:1fr}.numbered-steps li:last-child{border-right:0}.service-block__split{grid-template-columns:.9fr 1.1fr;align-items:start}.audience-grid{grid-template-columns:repeat(3,1fr)}.cta-panel{grid-template-columns:1.1fr .9fr;align-items:center}.home-hero__grid{grid-template-columns:1.05fr .95fr;gap:4rem}.home-hero__actions{flex-wrap:wrap;display:flex}.home-hero__art{width:auto;max-width:32rem}.cover-grid{grid-template-columns:repeat(2,1fr)}.cover-card{grid-template-columns:9.4rem 1fr;gap:1.5rem;padding:2rem}.cover-card img{width:9.4rem;height:9.4rem}.home-why__grid{grid-template-columns:1.15fr repeat(3,1fr)}.home-why__intro,.home-why article{border-bottom:0;border-right:1px solid #fcf8ee24}.home-why article:last-child{border-right:0}.home-steps{grid-template-columns:repeat(3,1fr)}.home-steps li{border-right:1.5px solid var(--hair);border-bottom:0}.home-steps li:last-child{border-right:0}.claims-band__grid{grid-template-columns:10rem 1fr;gap:3rem}.adviser-note__grid{grid-template-columns:.75fr 1.25fr;gap:4rem}.learn-teaser,.cover-hub,.process-grid,.advice-options,.contact-grid{grid-template-columns:repeat(3,1fr)}.cover-hub{grid-template-columns:repeat(2,1fr)}.about-grid{grid-template-columns:.75fr 1.25fr;gap:4rem}.about-grid dl,.learn-hub__cards{grid-template-columns:repeat(3,1fr)}}@media (prefers-reduced-motion:reduce){.ticker__inner{animation:none}*,:before,:after{scroll-behavior:auto!important;transition-duration:.01ms!important;animation-duration:.01ms!important;animation-iteration-count:1!important}}body{-webkit-font-smoothing:antialiased}.section{padding-block:6.25rem}.section-heading{max-width:43.75rem;margin-bottom:3.5rem}.section-heading h2{font-size:clamp(2rem,3.8vw,2.9rem)}.section-heading p{max-width:36em;margin-top:.875rem}.index-label{margin-bottom:1rem;font-size:1rem}.button{min-height:auto;padding:1.0625rem 2.125rem;font-size:1rem;font-weight:600;transition:background-color .18s,border-color .18s,color .18s}.button:hover{transform:none}.button--secondary{padding:.96875rem 2rem}.home-hero{padding:5.25rem 0 5.5rem}.home-hero__grid{gap:4rem}.home-hero__kicker{letter-spacing:.05em;gap:.75rem;margin-bottom:1.5rem;font-size:.8125rem;font-weight:600}.home-hero__kicker:before{width:2.125rem}.home-hero h1{letter-spacing:-.01em;max-width:none;font-size:clamp(2.7rem,5.4vw,4.4rem)}.home-hero__lead{color:#4a5361;max-width:30em;margin:1.625rem 0 2.125rem;font-size:1.21875rem}.home-hero__actions{gap:1rem;margin:0 0 1.25rem}.home-hero__fine{color:#7d8698;max-width:34em;margin:0;font-size:.78125rem;line-height:1.6}.home-hero__art{width:auto;max-width:none;margin:0;padding:1.625rem 1.625rem 0 0}.home-hero__art img{filter:saturate(.96);border-radius:11.25rem 11.25rem 1rem 1rem;width:100%;height:auto}.home-hero__frame{border-radius:11.875rem 11.875rem 1.25rem 1.25rem;inset:0 0 1.625rem 1.625rem}.home-hero__umbrella{stroke-dasharray:600;stroke-dashoffset:600px;width:5.75rem;animation:1.8s .4s forwards umbrella-draw;top:-.875rem;right:-.625rem}@keyframes umbrella-draw{to{stroke-dashoffset:0}}.ticker{padding-block:.75rem}.ticker__inner{gap:3rem;padding:0;font-size:1.03125rem;animation-duration:30s}.ticker__inner span:after{margin-left:3rem}.record-line{border-top:0}.record-line .wrap{padding-block:3.5rem}.record-line p{max-width:30em}.record-line small{margin-top:1rem}.cover-grid{grid-template-columns:repeat(2,1fr)}.cover-card{background:0 0;grid-template-columns:9.375rem 1fr;gap:1.625rem;min-height:0;padding:2.375rem 2.25rem}.cover-card img{filter:saturate(.95);border-radius:5rem 5rem .75rem .75rem;width:9.375rem;height:9.375rem}.cover-card span:not(.go){margin-bottom:.375rem;font-size:.9375rem;display:block}.cover-card h3{margin:0 0 .5rem;font-size:1.5rem}.cover-card p{font-size:.90625rem;line-height:1.6}.cover-card .go{color:var(--terra);opacity:0;transition:opacity .2s,transform .2s;position:absolute;bottom:1.625rem;right:1.875rem;transform:translate(-.375rem)}.cover-card:hover .go{opacity:1;transform:none}.home-why{padding-top:0}.home-why__grid{border-radius:1.625rem;grid-template-columns:1.1fr repeat(3,1fr)}.home-why__intro,.home-why article{border-bottom:0;border-right:1px solid #fcf8ee24;padding:3.5rem 2.125rem}.home-why__intro{padding-inline:2.75rem}.home-why__intro h2{font-size:clamp(1.6rem,2.7vw,2.1rem)}.home-why article>span{margin-bottom:.875rem;font-size:.9375rem}.home-why h3{margin:0 0 .625rem;font-size:1.1875rem}.home-why p{color:#b4bccb;font-size:.875rem}.home-steps{border-radius:1.375rem;grid-template-columns:repeat(3,1fr)}.home-steps li{border-right:1.5px solid var(--hair);border-bottom:0;padding:2.75rem 2.375rem}.home-steps span{margin-bottom:1rem;font-size:2.375rem}.home-steps h3{margin-bottom:.625rem;font-size:1.25rem}.home-steps p{font-size:.90625rem}.claims-band__grid{grid-template-columns:auto 1fr;gap:3.5rem;padding-block:5.75rem}.claims-band .index-label{padding-top:.625rem}.claims-band p{max-width:27em}.claims-band small{margin-top:1.125rem}.adviser-note__grid{grid-template-columns:.75fr 1.25fr;gap:4.5rem;padding-block:6.25rem}.adviser-note__image{width:auto;margin:0;padding:0}.adviser-note__image:before{border-radius:11.25rem 11.25rem 1.25rem 1.25rem;inset:-1rem 1rem 1rem -1rem}.adviser-note__image img{filter:saturate(.92);border-radius:10.625rem 10.625rem 1.125rem 1.125rem;width:100%;height:auto}.adviser-note h2{margin-bottom:1.5rem;font-size:clamp(1.8rem,3.2vw,2.5rem)}.adviser-note p{max-width:38em;margin-bottom:1rem;font-size:1.03125rem}.adviser-note__signature{font-size:1.625rem;margin-top:1.625rem!important}.home-quote .wrap{max-width:none;padding-block:6.875rem}.home-quote blockquote{max-width:27em;margin-inline:auto;font-size:clamp(1.4rem,2.9vw,2rem);line-height:1.5}.home-quote blockquote:before,.home-quote blockquote:after{color:var(--terra)}.home-quote blockquote:before{content:"“"}.home-quote blockquote:after{content:"”"}.home-quote figcaption{color:var(--ink);margin-top:1.625rem;font-size:.90625rem;font-weight:600}.home-quote figcaption span{color:#7d8698;margin-top:.25rem;font-size:.78125rem;font-weight:400;display:block}.home-quote__dots{justify-content:center;gap:.5rem;margin-top:1.875rem;display:flex}.home-quote__dots i{background:var(--hair);border-radius:50%;width:.4375rem;height:.4375rem}.home-quote__dots i.on{background:var(--terra)}.home-testimonial__viewport{overflow:hidden}.home-testimonial__track{transform:translateX(calc(var(--testimonial-index,0) * -100%));transition:transform .56s cubic-bezier(.22,.61,.36,1);display:flex}.home-testimonial__slide{flex:0 0 100%;width:100%;margin:0;padding-inline:.5rem}.home-quote__dots button{background:var(--hair);cursor:pointer;border:0;border-radius:50%;width:.5625rem;height:.5625rem;padding:0;transition:background-color .18s,transform .18s}.home-quote__dots button[aria-current=true]{background:var(--terra);transform:scale(1.2)}.home-quote__dots button:hover{background:var(--terra)}.home-testimonial__note{color:#7d8698;text-align:center;max-width:44rem;margin:1.5rem auto 0;font-size:.78rem;line-height:1.6}.faq-list{max-width:51.25rem;margin-top:0}.faq-list summary{align-items:baseline;gap:1.5rem;min-height:0;padding:1.5rem .25rem;font-size:1.25rem}.faq-list summary:after{flex:none;font-style:italic;transition:transform .2s}.faq-list details[open] summary:after{content:"+";transform:rotate(45deg)}.faq-list summary:hover{color:var(--terra)}.faq-list__answer{color:#4a5361;max-width:44em;padding:0 .25rem 1.625rem;font-size:.96875rem}.faq-more{margin-top:1.75rem;font-size:.9375rem}.faq-more a{color:var(--navy);border-bottom:2px solid var(--terra);padding-bottom:.125rem;font-weight:600;text-decoration:none}.learn-teaser{grid-template-columns:repeat(3,1fr)}.learn-teaser a{gap:.75rem;min-height:0;padding:2.25rem 2.125rem;transition:background-color .2s}.learn-teaser h3{margin:0;font-size:1.3125rem;line-height:1.25}.learn-teaser p{font-size:.875rem}.learn-teaser small{color:#8a93a3;margin-top:0;font-size:.78125rem}.cta-panel{background:0 0;border:0;border-radius:0;gap:4.5rem;margin-block:0;padding:6.5rem 0 7.25rem}.cta-panel__mark{fill:none;width:3.375rem;stroke:var(--navy);stroke-linecap:round;stroke-width:1.8px;margin-bottom:1.5rem}.cta-panel h2{margin-bottom:1rem;font-size:clamp(2rem,4vw,3rem)}.cta-panel>div>p{max-width:30em}.cta-panel__alternative{margin-top:1.375rem;font-size:.9375rem}.cta-panel__card{border-radius:1.375rem;padding:2.375rem 2.25rem}.cta-panel__card h3{margin-bottom:1rem;font-size:1.1875rem}.cta-panel__card ul{margin-bottom:.625rem}.cta-panel__card li{color:#4a5361;padding:.5rem 0 .5rem 1.875rem;font-size:.90625rem}@media (width>=55rem){.home-hero__grid{grid-template-columns:1.08fr .92fr;gap:4rem}.cta-panel{grid-template-columns:1.15fr .85fr}}@media (width<=56.1875rem){.menu-toggle{justify-content:center;align-items:center;display:inline-flex}.site-nav{display:none;position:fixed;inset:4rem 0 0}.site-nav[data-open]{display:flex}}@media (width<=60rem){.home-why__grid{grid-template-columns:1fr}.home-why__intro,.home-why article{border-bottom:1px solid #fcf8ee24;border-right:0;padding:2.25rem 2.125rem}}@media (width<=55rem){.home-hero__grid,.adviser-note__grid,.cta-panel{grid-template-columns:1fr}.home-hero__art{max-width:26.25rem}.cover-grid,.learn-teaser{grid-template-columns:1fr}.cover-card{grid-template-columns:6.875rem 1fr;gap:1.625rem}.cover-card img{width:6.875rem;height:6.875rem}}@media (width<=51.25rem){.home-steps{grid-template-columns:1fr}.home-steps li{border-right:0;border-bottom:1.5px solid var(--hair)}}@media (width<=45rem){.claims-band__grid{grid-template-columns:1fr;gap:1.25rem}}@media (prefers-reduced-motion:no-preference){.rise{opacity:0;animation:.7s forwards rise;transform:translateY(1rem)}.rise.d1{animation-delay:80ms}.rise.d2{animation-delay:.16s}.rise.d3{animation-delay:.24s}@keyframes rise{to{opacity:1;transform:none}}}@media (prefers-reduced-motion:reduce){.home-hero__umbrella{stroke-dashoffset:0;animation:none}.home-testimonial__track{transition:none}}.editorial-breadcrumbs{color:#7d8698;padding-top:1.625rem;font-size:.78125rem}.editorial-page-intro{padding:4.5rem 0 3.5rem}.editorial-page-intro h1{max-width:14ch;font-size:clamp(2.4rem,5vw,4rem)}.editorial-page-intro .lead{color:#4a5361;max-width:34em;margin-top:1.25rem;font-size:1.125rem}.editorial-page-intro .advice-callout{margin-top:1.5rem}.service-byline{max-width:52rem;color:var(--muted);margin:1rem 0 0;font-size:.82rem}.service-byline a{color:var(--navy)}.service-byline span{color:var(--terra);margin-inline:.25rem}.claims-band--service{border-block-color:var(--hair)}.claims-band--service .claims-band__grid{padding-block:clamp(3rem,6vw,4.5rem)}.claims-band--service .claims-band__grid>div{min-width:0}.claims-band--service a{color:inherit;text-decoration-color:var(--terra)}.service-limitations{border-left:1.5px solid var(--terra);max-width:48rem;color:var(--muted);margin-top:1.2rem;padding-left:1.25rem}.editorial-section .numbered-steps{border-radius:1.375rem;margin-top:2rem}.editorial-section .numbered-steps li{padding:2.75rem 2.375rem}.editorial-section .numbered-steps>li>span{font-size:2.375rem;line-height:1}.editorial-section .numbered-steps h3{margin-bottom:.625rem;font-size:1.25rem}.editorial-section .numbered-steps p{font-size:.90625rem}.editorial-section .service-block__copy{color:#4a5361;max-width:36em;margin-top:.875rem;font-size:1.03125rem}.editorial-section .source-note{color:#7d8698;max-width:52em;margin-top:1.125rem;font-size:.78125rem}.editorial-table-wrap{border-radius:0;margin-top:2rem}.editorial-table-wrap caption{padding:1rem 1.125rem}.editorial-table-wrap th,.editorial-table-wrap td{padding:1rem}.editorial-service .audience-grid article{padding:2.25rem 2.125rem}.editorial-service .audience-grid h3{margin-bottom:.625rem;font-size:1.1875rem}.editorial-service .audience-grid p{font-size:.875rem}.editorial-service .tick-list{gap:.75rem}.editorial-cover-grid{grid-template-columns:repeat(2,1fr)}.editorial-cover-grid a{background:0 0;min-height:14rem;padding:2.375rem 2.25rem;transition:background-color .2s}.editorial-cover-grid h2{margin-bottom:.5rem;font-size:1.5rem}.editorial-cover-grid p{color:#5b6472;max-width:32em;font-size:.90625rem;line-height:1.6}.editorial-cover-grid span{color:var(--terra);font-family:var(--serif);margin-top:1.25rem;font-size:.9375rem;font-style:italic;display:block}.editorial-process-grid,.editorial-contact-grid{background:#fff;border-radius:1.375rem;grid-template-columns:repeat(3,1fr);overflow:hidden}.editorial-process-grid article,.editorial-contact-grid article{background:#fff;padding:2.75rem 2.375rem}.editorial-process-grid>article>span{margin-bottom:1rem;font-size:2.375rem}.editorial-process-grid h2,.editorial-contact-grid h2{margin-bottom:.625rem;font-size:1.25rem}.editorial-process-grid p,.editorial-contact-grid p{font-size:.90625rem}.editorial-contact-grid a{color:var(--navy);font-weight:600}.editorial-page-intro.advice-intro{padding:2.5rem 0 2rem}.advice-booking{padding:0 0 2rem}.advice-calendar{border:1.5px solid var(--hair);background:#2a446f;border-radius:1.375rem;min-height:44rem;padding-bottom:1.25rem;overflow:hidden;box-shadow:0 1rem 2.5rem #0d2c5414}.advice-calendar iframe{width:100%;height:44rem;min-height:44rem;display:block}.advice-options.editorial-contact-grid{grid-template-columns:repeat(2,minmax(0,1fr));margin:2rem auto 4rem}.advice-options.editorial-contact-grid>article{padding:2rem 2.375rem}.editorial-checklist{border:1.5px solid var(--hair);background:#fff;border-radius:1.375rem;max-width:51.25rem;padding:2.75rem 2.375rem}.editorial-checklist h2{margin-bottom:1rem;font-size:1.5rem}.adviser-letter{grid-template-columns:.75fr 1.25fr;align-items:center;gap:4.5rem;padding-block:6.25rem}.adviser-letter__photo{position:relative}.adviser-letter__photo:before{border:1.5px solid var(--hair);content:"";border-radius:11.25rem 11.25rem 1.25rem 1.25rem;position:absolute;inset:-1rem 1rem 1rem -1rem}.adviser-letter__photo img{filter:saturate(.92);border-radius:10.625rem 10.625rem 1.125rem 1.125rem;width:100%;max-width:none;height:auto;position:relative}.adviser-letter h2{margin-bottom:1.5rem;font-size:clamp(1.8rem,3.2vw,2.5rem)}.adviser-letter p{color:#4a5361;max-width:38em;font-size:1.03125rem}.adviser-letter dl{margin-top:1.625rem}.adviser-letter dl div{padding:1.125rem}.editorial-article{max-width:51.25rem;padding-bottom:6.25rem}.editorial-article header{padding-top:1.5rem}.editorial-article h1{max-width:16ch;font-size:clamp(2.3rem,4.2vw,3.5rem)}.editorial-article .article-page__answer{color:#4a5361;max-width:34em;margin-top:1.25rem;font-size:1.125rem}.editorial-article .article-page__body{color:#4a5361;margin-top:2.75rem}.editorial-article .article-page__body h2{margin:2.5rem 0 1rem;font-size:1.75rem}.editorial-article .article-page__sources{margin-top:3rem;padding-top:1.5rem}.editorial-legal-copy{max-width:51.25rem;padding-bottom:6.25rem}.editorial-legal-copy h2{margin:2.5rem 0 .875rem;font-size:1.75rem}.editorial-legal-copy p{color:#4a5361;max-width:44em}.editorial-not-found{padding-block:8rem}.editorial-not-found h1{font-size:clamp(2.6rem,5vw,4rem)}.editorial-learn-hub{gap:4rem}.editorial-learn-hub>section h2{margin-bottom:1.25rem;font-size:1.75rem}.editorial-learn-hub .learn-hub__cards{grid-template-columns:repeat(3,1fr)}.editorial-learn-hub .learn-hub__cards a{background:0 0;gap:.75rem;min-height:0;padding:2.25rem 2.125rem}.editorial-learn-hub .learn-hub__cards h2,.editorial-learn-hub .learn-hub__cards h3{margin:0;font-size:1.3125rem;line-height:1.25}.editorial-learn-hub .learn-hub__cards p{font-size:.875rem}.editorial-learn-hub .learn-hub__cards small{color:#8a93a3;margin-top:0;font-size:.78125rem}@media (width>=55rem){.editorial-section .numbered-steps{grid-template-columns:repeat(3,1fr)}.editorial-section .numbered-steps li{border-right:1.5px solid var(--hair);border-bottom:0;grid-template-columns:1fr}}@media (width>=55.0625rem){.advice-calendar{height:43.75rem;min-height:0}.advice-calendar iframe{min-height:0;margin-top:-4rem;height:calc(100% + 4rem)!important}}@media (width<=55rem){.editorial-cover-grid,.editorial-process-grid,.editorial-contact-grid,.adviser-letter,.editorial-learn-hub .learn-hub__cards{grid-template-columns:1fr}.editorial-process-grid article,.editorial-contact-grid article{border-right:0}.advice-calendar,.advice-calendar iframe{min-height:48rem}.advice-options.editorial-contact-grid{grid-template-columns:1fr}.adviser-letter{gap:2.5rem}.editorial-checklist{padding:2rem 1.5rem}}