@layer reset,base,components,responsive;
@layer reset{*,*::before,*::after{box-sizing:border-box}body,h1,h2,h3,p,figure,ul,ol{margin:0}img{display:block;max-width:100%}button,input,select{font:inherit}a{color:inherit}button{cursor:pointer}}
@layer base{
:root{--paper:#f7f5ef;--white:#fffefa;--ink:#24352e;--muted:#59675d;--line:#d9ddd2;--red:#b72532;--green:#e7ecdf;--dark:#24382d;--serif:Georgia,'Times New Roman',serif;--sans:Inter,-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif}
html{scroll-behavior:smooth;scroll-padding-top:120px}body{background:var(--paper);color:var(--ink);font-family:var(--sans);font-size:16px;line-height:1.65;-webkit-font-smoothing:antialiased}::selection{background:#e9ccba}a{text-underline-offset:4px}a:hover{color:var(--red)}:focus-visible{outline:3px solid var(--red);outline-offset:5px}h1,h2,h3{font-family:var(--serif);font-weight:400;line-height:1.12;letter-spacing:-.035em}h1{font-size:clamp(2.7rem,6vw,5.6rem)}h2{font-size:clamp(2rem,3.8vw,3.35rem)}h3{font-size:1.7rem}p{max-width:70ch}p+p{margin-top:1.1rem}ul,ol{padding-left:1.3rem}li+li{margin-top:.6rem}small{font-size:.78rem}.wrap{max-width:1240px;margin:auto;padding:0 48px}.section{padding:88px 0}.eyebrow{font-size:.7rem;line-height:1.5;letter-spacing:.18em;text-transform:uppercase;font-weight:700;color:var(--muted);margin-bottom:20px}.muted{color:var(--muted)}.lead{font-size:1.15rem;line-height:1.8;color:var(--muted)}.text-link{display:inline-flex;align-items:center;gap:14px;font-weight:600;text-decoration:none;border-bottom:1px solid currentColor;padding-bottom:3px}.arrow{font-family:var(--sans);font-weight:400;font-size:1.2em}.skip-link{position:fixed;left:12px;top:-100px;background:var(--white);padding:12px 18px;z-index:100}.skip-link:focus{top:10px}section[id],h2[id]{scroll-margin-top:120px}
}
@layer components{
.site-header{position:sticky;top:0;background:rgba(247,245,239,.97);border-bottom:1px solid var(--line);z-index:30}.header-inner{display:flex;align-items:center;justify-content:space-between;gap:25px;min-height:100px}.brand{text-decoration:none;display:flex;flex-direction:column;gap:0;line-height:1.25}.brand-line{display:flex;align-items:baseline;gap:13px}.agent-name{font-size:20px;font-weight:650;letter-spacing:-.04em}.brand-separator{height:18px;border-left:1px solid #c5c9bd;align-self:center}.broker-name{font-size:23px;font-weight:750;color:var(--red);letter-spacing:-.04em}.brand-subtitle{font-size:.58rem;letter-spacing:.17em;text-transform:uppercase;color:var(--muted);padding-top:5px}.nav{display:flex;align-items:center;gap:24px}.nav a{font-size:.8rem;text-decoration:none;font-weight:550}.nav a[aria-current=page]{text-decoration:underline;text-underline-offset:7px}.nav .nav-contact{padding:11px 17px;border:1px solid var(--ink)}.nav-contact:hover{background:var(--ink);color:var(--white)}.menu-toggle{display:none;background:none;border:1px solid var(--line);padding:9px 12px;font-size:.8rem;color:var(--ink)}
.hero{padding:65px 0 60px}.hero-grid{display:grid;grid-template-columns:1.2fr .85fr;gap:70px;align-items:center}.hero .eyebrow{display:flex;align-items:center;gap:12px}.hero .eyebrow::before{content:'';display:block;width:30px;height:1px;background:var(--red)}.hero h1 em{color:#687b60;font-weight:400}.hero .lead{margin:25px 0 28px;max-width:43ch;font-size:1.02rem}.button-row{display:flex;align-items:center;gap:20px;flex-wrap:wrap}.button{display:inline-flex;align-items:center;justify-content:center;gap:22px;padding:14px 22px;background:var(--ink);color:var(--white);font-size:.85rem;text-decoration:none;border:1px solid var(--ink);line-height:1.5;font-weight:550;min-height:49px}.button:hover{background:#3d5345;color:var(--white);border-color:#3d5345}.button.light{background:var(--white);color:var(--ink);border-color:var(--white)}.button.secondary{background:transparent;color:var(--ink)}.hero .quiet-link{font-size:.83rem;font-weight:600}.hero-footnote{font-size:.72rem;color:var(--muted);margin-top:24px}.portrait-wrap{position:relative;padding:0 0 28px 26px}.portrait-wrap::before{content:'';position:absolute;inset:27px 25px 0 0;background:#dfe5d4;z-index:0}.portrait-wrap img{position:relative;width:100%;aspect-ratio:1/1.12;object-fit:cover;object-position:center;filter:saturate(.92)}.portrait-caption{position:relative;margin:0 0 0 auto;background:var(--white);padding:18px 20px;max-width:85%;border:1px solid var(--line);display:flex;justify-content:space-between;gap:20px;align-items:center}.portrait-caption strong{font-size:.78rem;font-weight:600}.portrait-caption span{font-size:.67rem;color:var(--muted)}.caption-mark{width:24px;height:24px;color:var(--red);flex-shrink:0}.proof-section{padding:0 0 42px}.proof-grid{border-top:1px solid var(--line);border-bottom:1px solid var(--line);display:grid;grid-template-columns:1fr 1fr 1fr}.proof{padding:28px 32px}.proof:first-child{padding-left:0}.proof+.proof{border-left:1px solid var(--line)}.proof strong{font-family:var(--serif);font-size:2.9rem;font-weight:400;line-height:1.2;display:block;letter-spacing:-.04em}.proof span{display:block;font-size:.75rem;margin-top:5px;color:var(--muted)}.source-note{font-size:.68rem;line-height:1.6;color:var(--muted);margin-top:12px}.section-heading{display:flex;justify-content:space-between;align-items:end;gap:35px;margin-bottom:38px}.section-heading .eyebrow{margin-bottom:14px}.section-heading p:not(.eyebrow){max-width:36ch;font-size:.9rem;color:var(--muted)}.service-grid{display:grid;grid-template-columns:1fr 1fr;gap:22px}.service-panel{padding:40px 38px 35px;background:var(--green);display:flex;flex-direction:column;min-height:340px;border:1px solid #dfe4d7}.service-panel.alt{background:#ede5da;border-color:#e7ddcf}.panel-top{display:flex;justify-content:space-between;align-items:center;margin-bottom:28px;font-size:.7rem;letter-spacing:.1em;text-transform:uppercase;color:var(--muted)}.panel-icon{width:36px;height:36px;stroke:currentColor;fill:none;stroke-width:1.3}.service-panel h3{font-size:2.3rem;margin-bottom:17px}.service-panel p{font-size:.92rem;color:#506054;max-width:42ch}.service-panel .text-link{align-self:flex-start;margin-top:28px;font-size:.8rem}.process{background:var(--dark);color:var(--paper)}.process .eyebrow,.process .muted{color:#c9d2c6}.process-grid{display:grid;grid-template-columns:.85fr 1.1fr;gap:100px}.process-intro p:not(.eyebrow){color:#ccd5c9;margin:26px 0;max-width:35ch;font-size:.95rem}.step{display:grid;grid-template-columns:40px 1fr;gap:15px;padding:26px 0;border-bottom:1px solid #526253}.step:first-child{padding-top:0}.step-number{font-family:var(--serif);font-size:1.25rem;color:#c1cbb8}.step h3{font-size:1.65rem;margin-bottom:10px}.step p{font-size:.86rem;color:#ccd5c9}.guide-list{border-top:1px solid var(--line)}.guide-row{display:grid;grid-template-columns:130px 1fr 35px;gap:28px;padding:27px 0;border-bottom:1px solid var(--line);align-items:center;text-decoration:none}.guide-row:hover .guide-title{color:var(--red)}.guide-category{font-size:.66rem;font-weight:650;letter-spacing:.12em;text-transform:uppercase;color:var(--muted)}.guide-title{font-size:1.65rem;font-family:var(--serif);line-height:1.25;letter-spacing:-.02em}.guide-desc{display:block;font-family:var(--sans);font-size:.82rem;line-height:1.65;color:var(--muted);margin-top:8px;letter-spacing:0}.local-strip{padding:50px 0;background:#ecefe5;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.local-grid{display:grid;grid-template-columns:1fr 1fr;gap:65px;align-items:center}.local-grid h2{font-size:2.4rem}.local-grid p{font-size:.9rem;color:var(--muted);margin:16px 0}.local-links{display:grid;gap:0}.local-links a{display:flex;justify-content:space-between;align-items:center;gap:20px;padding:20px 0;border-bottom:1px solid #cad1c1;text-decoration:none;font-size:.96rem}.contact-band{padding:80px 0}.contact-band-inner{display:grid;grid-template-columns:1.3fr 1fr;gap:50px;align-items:center}.contact-band p{margin:18px 0 0;color:var(--muted);font-size:.92rem}.contact-band .button-row{justify-content:flex-end}.site-footer{border-top:1px solid var(--line);padding:40px 0 25px}.footer-top{display:grid;grid-template-columns:1.2fr 1fr 1fr;gap:35px}.footer-brandline{font-size:1rem;line-height:1.6;font-weight:600}.footer-brandline .broker{font-size:1.15rem;color:var(--red);display:block}.footer-top p{font-size:.72rem;color:var(--muted);margin-top:12px}.footer-links{display:flex;flex-direction:column;gap:7px}.footer-links a{font-size:.75rem;max-width:100%;overflow-wrap:anywhere}.footer-label{font-size:.65rem;letter-spacing:.14em;text-transform:uppercase;margin-bottom:10px;font-weight:650}.footer-bottom{margin-top:35px;padding-top:20px;border-top:1px solid var(--line);display:flex;justify-content:space-between;gap:25px;font-size:.64rem;color:var(--muted)}.footer-bottom p{max-width:78ch}.mobile-contact{display:none}
.page-hero{padding:55px 0 60px;border-bottom:1px solid var(--line)}.breadcrumb{font-size:.7rem;color:var(--muted);margin-bottom:30px}.breadcrumb a{text-decoration:none}.breadcrumb span{margin:0 8px}.page-hero h1{max-width:17ch;font-size:clamp(2.6rem,5.5vw,4.5rem)}.page-hero .lead{margin-top:25px;max-width:60ch;font-size:1rem}.byline{font-size:.7rem;color:var(--muted);margin-top:24px;display:flex;gap:18px;flex-wrap:wrap}.article-layout{display:grid;grid-template-columns:220px minmax(0,1fr);gap:75px;padding-top:55px;padding-bottom:65px;align-items:start}.article-nav{position:sticky;top:130px}.article-nav p{font-size:.65rem;letter-spacing:.15em;font-weight:700;text-transform:uppercase;margin-bottom:15px}.article-nav a{display:block;font-size:.75rem;line-height:1.55;text-decoration:none;margin:14px 0;color:var(--muted)}.article-nav a:hover{color:var(--red)}.article{max-width:740px}.article section+section{margin-top:48px}.article h2{font-size:2.05rem;margin-bottom:20px;line-height:1.2}.article p,.article li{font-size:.96rem;line-height:1.85;color:#46574b}.article ul,.article ol{margin:19px 0}.article .source-box{background:#ecede4;padding:25px 28px;margin-top:42px}.source-box h2{font-family:var(--sans);font-size:.78rem;font-weight:650;letter-spacing:0}.source-box ul{margin-bottom:0}.source-box li{font-size:.78rem}.source-box small{display:block;margin-top:15px;color:var(--muted);font-size:.68rem}.faq{border-bottom:1px solid var(--line);padding:18px 0}.faq:first-of-type{border-top:1px solid var(--line)}.faq summary{cursor:pointer;font-weight:600;font-size:.92rem;line-height:1.5;padding-right:20px}.faq p{font-size:.88rem;margin-top:15px}.article-callout{padding:28px;border-left:3px solid var(--red);background:var(--green);margin:35px 0}.article-callout p{font-size:.9rem}.about-grid{display:grid;grid-template-columns:.75fr 1.25fr;gap:65px;align-items:start}.about-photo{width:100%;aspect-ratio:1/1.1;object-fit:cover}.about-copy h2{margin-bottom:22px}.about-copy p{font-size:.95rem;color:#46574b}.fact-list{margin:30px 0 0;display:grid;grid-template-columns:1fr 1fr;gap:0 26px}.fact-list div{border-top:1px solid var(--line);padding:15px 0}.fact-list dt{font-size:.65rem;color:var(--muted);text-transform:uppercase;letter-spacing:.09em}.fact-list dd{margin:7px 0 0;font-size:.9rem}.evidence-table{width:100%;border-collapse:collapse;text-align:left;margin:30px 0;font-size:.87rem}.evidence-table th,.evidence-table td{padding:16px 18px;border-bottom:1px solid var(--line);vertical-align:top}.evidence-table th{font-size:.7rem;text-transform:uppercase;letter-spacing:.05em;font-weight:600;background:var(--green)}.evidence-table td:first-child{font-weight:600}.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:75px;align-items:start}.contact-links{display:flex;flex-direction:column;gap:0}.contact-card{padding:25px 0;border-bottom:1px solid var(--line);text-decoration:none;display:flex;align-items:center;justify-content:space-between;gap:18px}.contact-card:first-child{border-top:1px solid var(--line)}.contact-card small{display:block;font-size:.66rem;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);margin-bottom:7px}.contact-card strong{font-size:1.16rem;font-weight:500;overflow-wrap:anywhere}.contact-aside{padding:35px;background:var(--green)}.contact-aside h2{font-size:2rem;margin-bottom:20px}.contact-aside p,.contact-aside li{font-size:.88rem;color:var(--muted)}.contact-aside ul{margin:20px 0}.tools-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px}.tool-card{border:1px solid var(--line);padding:32px;background:var(--white)}.tool-card h2{font-size:2rem}.tool-card p{font-size:.9rem;color:var(--muted);margin:20px 0}.tool-card .text-link{font-size:.85rem}.tool-note{font-size:.78rem;color:var(--muted);margin-top:25px}.all-guides .guide-row{grid-template-columns:145px 1fr 35px}.small-content{max-width:780px}.small-content h2{font-size:1.85rem;margin:32px 0 16px}.small-content p,.small-content li{color:var(--muted);font-size:.93rem}.not-found{padding:100px 0}.not-found p{margin:25px 0}.reading-intro{font-size:.87rem;color:var(--muted);margin-bottom:28px}.noscript-note{font-size:.75rem;padding:8px 48px;background:var(--green)}
}
@layer responsive{
@media(min-width:1400px){.hero{padding:85px 0 75px}.hero h1{font-size:5.7rem}}
@media(max-width:1060px){.wrap{padding:0 32px}.header-inner{gap:16px}.nav{gap:17px}.agent-name{font-size:17px}.broker-name{font-size:20px}.brand-line{gap:10px}.hero-grid{gap:35px}.hero h1{font-size:4.6rem}.hero .lead{font-size:.97rem}.process-grid{gap:60px}.article-layout{gap:40px;grid-template-columns:190px 1fr}.about-grid{gap:40px}.contact-grid{gap:40px}}
@media(max-width:800px){.wrap{padding:0 24px}.section{padding:60px 0}.header-inner{min-height:85px;flex-wrap:wrap;gap:0}.brand-subtitle{font-size:.56rem}.js .menu-toggle{display:block}.nav{width:100%;gap:0;justify-content:space-between;padding:12px 0 18px;flex-wrap:wrap}.nav a{padding:9px 10px;font-size:.8rem}.nav .nav-contact{padding:8px 12px}.js .nav{display:none}.js .nav.is-open{display:flex}.hero{padding:45px 0 40px}.hero-grid{grid-template-columns:1fr 1fr;gap:25px}.hero h1{font-size:3.45rem}.hero .lead{font-size:.9rem}.hero .button-row{gap:14px}.hero .button{padding:13px 17px;font-size:.8rem}.hero .quiet-link{font-size:.77rem}.portrait-wrap{padding:0 0 18px 15px}.portrait-caption{padding:12px;max-width:95%;gap:7px}.portrait-caption strong{font-size:.66rem}.portrait-caption span{font-size:.6rem}.proof{padding:22px}.proof strong{font-size:2.4rem}.proof span{font-size:.67rem}.section-heading{gap:25px}.section-heading p:not(.eyebrow){max-width:29ch;font-size:.83rem}.service-panel{padding:30px 25px;min-height:320px}.service-panel h3{font-size:2rem}.process-grid{grid-template-columns:1fr;gap:35px}.process-intro p:not(.eyebrow){max-width:60ch}.guide-row{grid-template-columns:100px 1fr 25px;gap:18px}.guide-title{font-size:1.4rem}.local-grid{gap:35px}.contact-band{padding:60px 0}.contact-band-inner{grid-template-columns:1fr;gap:30px}.contact-band .button-row{justify-content:flex-start}.footer-top{grid-template-columns:1fr 1fr}.footer-top .footer-links:last-child{grid-column:2;grid-row:1/3;align-self:start}.footer-bottom{flex-direction:column;gap:10px}.article-layout{grid-template-columns:1fr;gap:35px}.article-nav{position:static;display:flex;flex-wrap:wrap;gap:10px 17px;border-bottom:1px solid var(--line);padding-bottom:20px}.article-nav p{width:100%;margin-bottom:0}.article-nav a{margin:0;text-decoration:underline}.article h2{font-size:1.9rem}.about-grid{grid-template-columns:1fr 1.2fr;gap:30px}.fact-list{grid-template-columns:1fr}.contact-grid{grid-template-columns:1fr;gap:35px}.tools-grid{gap:17px}.tool-card{padding:25px}.tool-card h2{font-size:1.8rem}.all-guides .guide-row{grid-template-columns:105px 1fr 25px}}
@media(max-width:580px){.wrap{padding:0 22px}.header-inner{min-height:83px}.agent-name{font-size:16px}.broker-name{font-size:19px}.brand-line{gap:8px}.brand-subtitle{font-size:.49rem;letter-spacing:.12em}.menu-toggle{font-size:.73rem;padding:8px 10px}.hero{padding-top:37px}.hero-grid{grid-template-columns:1fr;gap:35px}.hero .eyebrow{font-size:.62rem;margin-bottom:18px}.hero h1{font-size:3.65rem;max-width:11ch;line-height:1.04}.hero .lead{font-size:.97rem;margin:22px 0 24px;max-width:37ch}.hero-footnote{font-size:.68rem}.portrait-wrap{max-width:430px;width:100%;margin:auto;padding:0 0 18px 18px}.portrait-wrap img{aspect-ratio:1.22/1;object-position:center 40%}.portrait-caption{max-width:83%;padding:15px 16px}.portrait-caption strong{font-size:.75rem}.portrait-caption span{font-size:.65rem}.proof-grid{grid-template-columns:1fr 1fr 1fr}.proof{padding:20px 12px}.proof strong{font-size:1.85rem}.proof span{font-size:.6rem;line-height:1.5}.source-note{font-size:.63rem}.proof-section{padding-bottom:15px}.section-heading{display:block}.section-heading p:not(.eyebrow){max-width:none;margin-top:18px;font-size:.9rem}.section-heading h2{font-size:2.5rem;max-width:15ch}.service-grid{grid-template-columns:1fr}.service-panel{min-height:0;padding:28px}.service-panel h3{font-size:2.3rem}.panel-top{margin-bottom:22px}.process-grid{gap:30px}.process h2{font-size:2.65rem}.step{grid-template-columns:30px 1fr}.guide-row,.all-guides .guide-row{grid-template-columns:1fr 25px;gap:9px 15px;padding:24px 0}.guide-category{grid-column:1;grid-row:1;font-size:.61rem}.guide-row>div{grid-column:1;grid-row:2}.guide-row>.arrow{grid-column:2;grid-row:1/3}.guide-title{font-size:1.48rem}.guide-desc{font-size:.8rem}.local-grid{grid-template-columns:1fr;gap:18px}.local-grid h2{font-size:2.3rem}.local-strip{padding:45px 0}.local-links a{padding:18px 0;font-size:.9rem}.contact-band h2{font-size:2.65rem}.contact-band .button-row{gap:13px}.contact-band .button{padding:13px 18px}.footer-top{grid-template-columns:1fr 1fr;gap:30px 20px}.footer-top>div:first-child{grid-column:1/-1}.footer-top .footer-links:last-child{grid-column:2;grid-row:auto}.footer-bottom{margin-top:25px}.site-footer{padding-bottom:90px}.mobile-contact{display:flex;position:fixed;bottom:0;left:0;width:100%;z-index:25;background:var(--white);border-top:1px solid var(--line);padding:10px 18px calc(10px + env(safe-area-inset-bottom));gap:10px}.mobile-contact a{flex:1;text-align:center;padding:9px 8px;font-size:.78rem;text-decoration:none;background:var(--ink);color:var(--white)}.mobile-contact a:last-child{color:var(--ink);border:1px solid var(--line);background:transparent}.page-hero{padding:33px 0 40px}.breadcrumb{margin-bottom:23px;font-size:.66rem}.page-hero h1{font-size:2.95rem}.page-hero .lead{font-size:.95rem}.byline{gap:7px;font-size:.66rem;flex-direction:column}.article-layout{padding-top:30px;padding-bottom:45px}.article-nav{gap:12px}.article-nav a{font-size:.71rem}.article p,.article li{font-size:.94rem}.article h2{font-size:1.8rem}.article .source-box{padding:22px}.about-grid{grid-template-columns:1fr;gap:35px}.about-photo{max-height:390px;object-position:center 40%}.fact-list{grid-template-columns:1fr 1fr}.evidence-table th,.evidence-table td{padding:13px 9px;font-size:.73rem}.evidence-table th{font-size:.62rem}.contact-card strong{font-size:1.08rem}.contact-aside{padding:27px}.tools-grid{grid-template-columns:1fr}.all-guides .guide-title{font-size:1.5rem}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{animation:none!important;transition:none!important}}
@media print{.site-header{position:static}.nav,.menu-toggle,.mobile-contact,.button-row,.article-nav{display:none!important}.article-layout{display:block}.site-footer{padding-bottom:20px}.wrap{padding:0}.section{padding:25px 0}a{color:inherit}.article .faq{break-inside:avoid}}
}


/* Scoped repairs to the original design, not a replacement theme. */
html{scroll-padding-top:125px}body{font-size:16px}p{line-height:1.75}.review-note{background:#e7ecdf;color:#24352e;text-align:center;padding:9px 18px;font-size:13px;line-height:1.5}.source-note,.footer-bottom p,.byline,.hero-footnote{font-size:13px!important;line-height:1.7!important}.footer-brandline .broker{font-size:21px}.footer-brandline{font-size:20px}.agent-name{font-size:20px}.broker-name{font-size:23px}.brand-subtitle{font-size:10px}.article p,.article li{font-size:16px;line-height:1.85}.article .byline{margin-bottom:30px}.article-layout:not(:has(.article-nav)){display:block;max-width:850px}.article-layout:not(:has(.article-nav)) .article{width:100%;max-width:780px;margin:auto}.byline{display:flex;gap:8px 22px;flex-wrap:wrap}.contact-band p{margin-top:18px}.contact-band .button-row{margin-top:24px}.contact-band .quiet-link{color:inherit}.contact-band .button{background:#fffefa;color:#24352e;border-color:#fffefa}.service-areas{list-style:none;padding:0;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px;margin:0 0 45px}.service-areas li{padding:14px 10px;border-bottom:1px solid #d9ddd2;font-size:16px}.article-card{display:flex;flex-direction:column;text-decoration:none;padding:28px;background:#fffefa;border:1px solid #c5cdbf;gap:15px}.article-card:hover{border-color:#b72532}.article-card h3{font-family:Georgia,serif;font-size:clamp(24px,2.6vw,34px);line-height:1.2;max-width:30ch}.article-card p{color:#59675d;font-size:16px}.article-card .text-link{margin-top:auto;color:#b72532;font-size:15px}.latest-article{background:#e7ecdf}.latest-article .article-card{max-width:880px}.latest-article .section-heading{margin-bottom:24px}.article-browse{display:flex;flex-wrap:wrap;gap:12px;margin-bottom:32px}.article-browse a{display:inline-flex;min-height:44px;align-items:center;border:1px solid #c5cdbf;background:#fffefa;padding:10px 16px;font-size:15px;text-decoration:none}.article-category{padding:28px 0 40px;scroll-margin-top:130px}.article-category h2{margin-bottom:25px}.article-category+.article-category{border-top:1px solid #d9ddd2}.section h2+p{margin-top:20px;margin-bottom:25px}.article button,#privacy-optout{min-height:44px;padding:12px 18px;border:1px solid #24352e;background:#fffefa;color:#24352e;white-space:normal;text-align:left}.nav a{min-height:44px;display:inline-flex;align-items:center;justify-content:center}.footer-links a{padding:5px 0}.mobile-contact a{min-height:48px;font-size:15px}.article a:focus-visible,.button:focus-visible,.nav a:focus-visible{outline:3px solid #b72532;outline-offset:4px}.skip-link:focus{top:8px;left:8px;z-index:100}.article [id],section[id]{scroll-margin-top:130px}#main:focus{outline:none}.portrait-wrap img{image-rendering:auto}.nav{gap:18px}.article-note{border-left:3px solid #b72532;background:#e7ecdf;padding:20px;font-size:15px;line-height:1.8;margin:28px 0}
@media(max-width:1060px){.header-inner{min-height:84px;position:relative;flex-wrap:wrap}.js .menu-toggle{display:block;min-height:44px;min-width:64px}.js .nav{display:none;position:absolute;top:100%;left:0;right:0;background:#f7f5ef;border:1px solid #d9ddd2;padding:12px 20px;flex-direction:column;align-items:stretch;gap:0;box-shadow:0 7px 12px #24352e12}.js .nav.is-open{display:flex}.nav a{justify-content:flex-start;padding:10px 7px}.nav .nav-contact{margin-top:6px}.nav{flex-wrap:wrap}.service-areas{grid-template-columns:repeat(3,minmax(0,1fr))}}
@media(max-width:580px){.brand-line{gap:8px}.agent-name{font-size:18px}.broker-name{font-size:21px}.brand-subtitle{font-size:9px;letter-spacing:.09em}.service-areas{grid-template-columns:repeat(2,minmax(0,1fr));gap:8px}.service-areas li{font-size:15px;padding:12px 3px}.article-card{padding:22px}.article-card h3{font-size:26px}.article-layout:not(:has(.article-nav)){padding-top:35px;padding-bottom:40px}.article-layout:not(:has(.article-nav)) .article{padding:0}.source-note,.footer-bottom p,.byline,.hero-footnote{font-size:13px!important}.article-browse a{width:auto}.review-note{font-size:12px}.mobile-contact{display:flex}.site-footer{padding-bottom:100px}.hero .eyebrow{font-size:11px}.hero-footnote{margin-top:18px}.header-inner{gap:10px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}