@import url('https://fonts.googleapis.com/css2?family=Manrope:wght@400;500;600;650;700;750;800&family=Source+Sans+3:wght@400;500;600;700&display=swap');
:root{--ink:#12354a;--navy:#10394f;--blue:#185571;--sky:#eaf3f7;--paper:#fff;--gold:#e7bb6a;--muted:#526773;--line:#d5e1e7;--soft:#f5f8fa;--radius:16px;--display:'Manrope',sans-serif;--body:'Source Sans 3',sans-serif}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:100px}body{margin:0;color:var(--ink);background:var(--paper);font-family:var(--body);font-size:18px;line-height:1.6}a{color:inherit;text-underline-offset:4px}button,input,select,textarea{font:inherit}button,a,input,select,textarea{touch-action:manipulation}button{cursor:pointer}img{display:block;max-width:100%;height:auto}h1,h2,h3,h4,p{margin:0}h1,h2,h3,h4{font-family:var(--display);line-height:1.15;letter-spacing:-.04em}h1{font-size:clamp(2.8rem,5.1vw,4.9rem);font-weight:650}h2{font-size:clamp(2rem,3.3vw,3.1rem);font-weight:650}h3{font-size:1.42rem;font-weight:650}p+p{margin-top:1rem}a:focus-visible,button:focus-visible,summary:focus-visible,input:focus-visible,textarea:focus-visible,select:focus-visible{outline:3px solid #ad7308;outline-offset:5px}.wrap{width:min(1200px,calc(100% - 72px));margin-inline:auto}.skip{position:absolute;top:-70px;left:16px;z-index:100;background:white;padding:12px}.skip:focus{top:12px}.preview-bar{background:var(--navy);color:#fff;text-align:center;padding:7px 20px;font-size:.8rem;letter-spacing:.01em}.preview-bar span{opacity:.8}.topline{background:var(--soft);border-bottom:1px solid var(--line);font-size:.82rem;color:var(--muted)}.topline .wrap{display:flex;justify-content:space-between;padding-block:8px;gap:16px}.topline a{text-decoration:none}header{background:#fff;border-bottom:1px solid var(--line)}.nav{display:flex;align-items:center;justify-content:space-between;gap:28px;min-height:96px}.brand{text-decoration:none;flex-shrink:0}.brand-name{display:block;font-family:var(--display);font-size:1.47rem;font-weight:800;letter-spacing:-.055em;line-height:1.2}.brand-sub{display:block;font-size:.72rem;letter-spacing:.18em;text-transform:uppercase;margin-top:6px}.nav-links{display:flex;gap:28px;align-items:center;font-size:.91rem;font-weight:600}.nav-links a{text-decoration:none}.nav-links a:hover,.nav-links a[aria-current=page]{color:var(--blue);text-decoration:underline}.btn{display:inline-flex;justify-content:center;align-items:center;gap:16px;min-height:52px;background:var(--navy);color:#fff;border:1px solid var(--navy);border-radius:7px;padding:13px 23px;text-decoration:none!important;font-weight:650;font-size:.95rem;line-height:1.25;transition:background .18s,transform .18s}.btn:hover{background:#1f536b;transform:translateY(-1px)}.btn-gold{background:var(--gold);color:var(--ink);border-color:var(--gold)}.btn-gold:hover{background:#f0ca82}.btn-outline{color:var(--ink);background:transparent;border-color:#b6cbd6}.btn-outline:hover{background:#dcecf3}.btn-white{background:#fff;border-color:white;color:var(--navy)}.btn-small{min-height:44px;padding:11px 18px}.arrow{font-family:Arial,sans-serif;font-size:1.25rem;font-weight:400}.mobile-menu{display:none;border:1px solid var(--line);background:white;border-radius:6px;padding:10px 14px;color:var(--ink)}.eyebrow{font-family:var(--body);font-size:.81rem;letter-spacing:.14em;text-transform:uppercase;font-weight:700;color:var(--blue);margin-bottom:21px}.hero{background:var(--sky);overflow:hidden}.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;align-items:center;gap:78px;padding-block:65px 58px}.hero h1{max-width:690px}.hero h1 span{color:var(--blue)}.hero .intro{max-width:490px;font-size:1.19rem;margin-top:25px;line-height:1.6;color:#405d6d}.actions{display:flex;gap:13px;flex-wrap:wrap;margin-top:31px}.hero-note{font-size:.87rem;color:var(--muted);margin-top:22px}.portrait{position:relative;max-width:450px;padding:0 0 22px 18px}.portrait:before{content:'';position:absolute;inset:25px -20px 0 0;border:1px solid #a9c6d4;border-radius:160px 160px 14px 14px}.portrait img{position:relative;width:100%;aspect-ratio:.89;object-fit:cover;object-position:center;border-radius:160px 160px 12px 12px}.portrait-label{position:absolute;bottom:0;left:-28px;right:35px;padding:22px 27px;background:#fff;border:1px solid var(--line);border-radius:10px;box-shadow:0 10px 30px #12354a0d}.portrait-label strong{display:block;font-family:var(--display);font-size:1.22rem;letter-spacing:-.03em}.portrait-label span{display:block;font-size:.86rem;color:var(--muted)}.trustbar{background:var(--paper);border-block:1px solid var(--line)}.trustbar .wrap{display:flex;align-items:center;justify-content:space-between;gap:25px;padding-block:23px;font-size:.86rem}.trustbar strong{font-weight:650}.trustbar .divider{height:20px;width:1px;background:var(--line)}section.section{padding-block:87px}.section-head{display:flex;align-items:flex-end;justify-content:space-between;gap:45px;margin-bottom:37px}.section-head>p{max-width:365px;color:var(--muted)}.section-head .eyebrow{margin-bottom:13px}.cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px}.card{padding:30px;border:1px solid var(--line);border-radius:var(--radius);background:white;display:flex;flex-direction:column;align-items:flex-start}.card .tag{font-size:.75rem;text-transform:uppercase;letter-spacing:.1em;color:var(--blue);margin-bottom:30px;font-weight:650}.card p{color:var(--muted);margin-block:18px 24px;font-size:1rem}.card a.text-link{margin-top:auto}.text-link{font-size:.98rem;font-weight:650;display:inline-flex;align-items:center;gap:15px;text-decoration:none;border-bottom:1px solid #9db4c0;padding-bottom:3px}.text-link:hover{color:var(--blue);border-color:var(--blue)}.card.featured{background:var(--navy);color:white;border-color:var(--navy)}.card.featured p,.card.featured .tag{color:#d5e4ed}.card.featured a{border-color:#92aab8}.soft{background:var(--soft)}.split{display:grid;grid-template-columns:1fr 1fr;gap:80px;align-items:start}.prose{max-width:750px}.prose h2{font-size:2rem;margin-block:42px 20px;letter-spacing:-.03em}.prose h2:first-child{margin-top:0}.prose h3{font-size:1.22rem;margin-block:26px 14px}.prose p,.prose li{color:#3e5969}.prose ul,.prose ol{padding-left:24px}.prose li{padding-left:5px;margin-bottom:11px}.checklist{list-style:none;margin:28px 0 0;padding:0}.checklist li{border-top:1px solid var(--line);padding:18px 0;display:flex;gap:17px}.checklist li:before{content:'✓';color:var(--blue);font-size:1rem}.checklist strong{display:block}.checklist p{color:var(--muted);font-size:1rem;margin-top:4px}.quote-block{padding:43px;border-left:4px solid var(--gold);background:var(--sky);border-radius:0 14px 14px 0}.quote-block p{font-family:var(--display);font-size:1.6rem;line-height:1.4;letter-spacing:-.035em}.quote-block .caption{font-family:var(--body);font-size:.9rem;letter-spacing:0;margin-top:22px;color:var(--muted)}.city-band{min-height:380px;position:relative;display:flex;align-items:center;background:var(--navy);isolation:isolate;color:white;overflow:hidden}.city-band>img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:-2}.city-band:after{content:'';position:absolute;inset:0;background:linear-gradient(90deg,#102e42f0 0%,#102e42ba 50%,#102e4255 100%);z-index:-1}.city-band .wrap{padding-block:65px}.city-band h2{max-width:650px}.city-band .eyebrow{color:#d1e5ef}.city-band p{max-width:610px;margin-top:24px;color:#ecf4f8}.city-band .btn{margin-top:25px}.faq{max-width:820px;margin-inline:auto}.faq details{border-bottom:1px solid var(--line);padding:23px 0}.faq summary{cursor:pointer;font-family:var(--display);font-size:1.05rem;font-weight:650;list-style:none;display:flex;align-items:center;justify-content:space-between;gap:20px;letter-spacing:-.025em}.faq summary:after{content:'+';font-family:var(--body);font-size:1.5rem;font-weight:400}.faq details[open] summary:after{content:'−'}.faq summary::-webkit-details-marker{display:none}.faq details p{margin:16px 38px 0 0;color:var(--muted);font-size:1.02rem}.center{text-align:center}.center .eyebrow{margin-bottom:13px}.center h2{margin-bottom:32px}.contact-band{background:var(--sky);border-block:1px solid var(--line);padding-block:64px}.contact-band .wrap{display:flex;align-items:center;justify-content:space-between;gap:35px}.contact-band h2{font-size:2.5rem}.contact-band p{color:var(--muted);margin-top:12px}.contact-band .actions{margin-top:0;flex-shrink:0}.footer{background:var(--navy);color:#e1ebf0;padding-block:58px 28px;font-size:.94rem}.footer-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:50px;padding-bottom:38px}.footer .brand{display:inline-block;color:#fff;margin-bottom:20px}.footer p{color:#cbdae3}.footer h3{font-family:var(--body);font-size:1rem;letter-spacing:0;margin-bottom:16px}.footer ul{padding:0;margin:0;list-style:none}.footer li{margin-bottom:8px}.footer a:hover{color:var(--gold)}.footer address{font-style:normal;color:#cbdae3}.legal{border-top:1px solid #436073;padding-top:27px;color:#bfd0dc;font-size:.8rem;line-height:1.65}.legal-links{display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap;margin-top:23px}.legal-links>div{display:flex;gap:20px;flex-wrap:wrap}.page-hero{background:var(--sky);padding-block:57px 61px}.breadcrumbs{font-size:.82rem;color:var(--muted);margin-bottom:27px}.page-hero h1{font-size:clamp(2.4rem,4.5vw,4.2rem);max-width:890px}.page-hero .intro{font-size:1.2rem;max-width:740px;color:#405d6d;margin-top:24px}.page-hero .eyebrow{margin-bottom:15px}.content-layout{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:75px;align-items:start}.aside-card{padding:27px;background:var(--sky);border:1px solid var(--line);border-radius:14px;position:sticky;top:25px}.aside-person{display:flex;align-items:center;gap:15px;margin-bottom:22px}.aside-person img{width:59px;height:66px;object-fit:cover;border-radius:10px}.aside-person strong{display:block;font-size:1.08rem}.aside-person span{font-size:.84rem;color:var(--muted)}.aside-card p{font-size:1rem;color:var(--muted);margin-block:15px}.aside-card .btn{width:100%;margin-bottom:12px}.aside-card .direct{display:block;text-align:center;font-size:1rem;margin-top:8px}.source-note{border-top:1px solid var(--line);padding-top:22px;margin-top:40px;font-size:.86rem;color:var(--muted)}.source-note ul{margin-bottom:0}.form-card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:32px}.form-card h2{font-size:1.65rem;margin-bottom:14px}.form-card .small{font-size:.9rem;color:var(--muted)}.field-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-top:25px}.field{display:flex;flex-direction:column;gap:7px}.field.full{grid-column:1/-1}.field label{font-size:.91rem;font-weight:650}.field input,.field select,.field textarea{width:100%;max-width:100%;min-height:49px;padding:10px 13px;border:1px solid #a9c0cd;border-radius:6px;background:white;color:var(--ink)}.field textarea{resize:vertical}.field small{font-size:.8rem;color:var(--muted)}.form-card .btn{margin-top:24px}.form-status{padding-top:20px;font-size:.95rem;color:var(--blue)}.notice{padding:21px 24px;border-left:3px solid var(--gold);background:var(--soft);margin-block:24px;font-size:1rem}.inline-links{display:flex;gap:25px;margin-top:23px;flex-wrap:wrap}.calculator-result{background:var(--navy);color:#fff;border-radius:16px;padding:34px;margin-top:23px}.calculator-result .amount{font-family:var(--display);font-size:2.8rem;font-weight:650;letter-spacing:-.045em;margin-block:8px}.calculator-result .small{font-size:.88rem;color:#d4e2eb}.calc-lines{margin-top:24px;border-top:1px solid #4a677b;padding-top:16px}.calc-lines div{display:flex;justify-content:space-between;gap:22px;font-size:.94rem;padding-block:5px}.about-photo{width:100%;border-radius:130px 130px 12px 12px}.area-list{display:grid;grid-template-columns:1fr 1fr;gap:30px;margin-top:28px}.area-list article{padding:25px;border:1px solid var(--line);border-radius:12px}.area-list h3{margin:0 0 15px}.asset-credit{font-size:.8rem;color:var(--muted);padding-block:12px;text-align:right}.error{color:#9c3024;font-size:1rem;margin-top:16px}.table-wrap{max-width:100%;overflow:auto}table{border-collapse:collapse;width:100%;font-size:1rem;margin-block:25px}th,td{text-align:left;padding:15px;border-bottom:1px solid var(--line);vertical-align:top}th{background:var(--sky);font-weight:650}.resource-list{display:grid;grid-template-columns:1fr 1fr;gap:22px}.resource-list .card{min-height:230px}.result-label{font-size:.92rem;font-weight:600}.full-width{grid-column:1/-1}noscript p{padding:20px;background:var(--sky)}
@media(min-width:1600px){.hero-grid{padding-block:85px}.hero h1{font-size:5.1rem}}
@media(max-width:1050px){.nav-links{gap:17px}.nav{gap:20px}.hero-grid{gap:40px}.hero h1{font-size:3.6rem}.portrait-label{left:0;right:0}.content-layout{gap:40px;grid-template-columns:minmax(0,1fr) 290px}.contact-band .wrap{align-items:flex-start;flex-direction:column}.split{gap:40px}}
@media(max-width:800px){.wrap{width:calc(100% - 40px)}.topline .wrap{font-size:.76rem}.topline .secondary{display:none}.nav{min-height:82px;position:relative}.mobile-menu{display:block}.nav-links{display:none;position:absolute;top:82px;left:-20px;right:-20px;z-index:10;background:#fff;padding:25px;border-bottom:1px solid var(--line);align-items:stretch;gap:0;box-shadow:0 15px 25px #12354a12}.nav-links.open{display:flex;flex-direction:column}.nav-links a{padding:13px}.nav-links .btn{margin-top:10px}.hero-grid{grid-template-columns:1fr 1fr;gap:28px;padding-block:45px}.hero h1{font-size:2.85rem}.hero .intro{font-size:1.08rem}.portrait{padding-left:0}.portrait:before{display:none}.portrait img{border-radius:100px 100px 10px 10px;aspect-ratio:.79}.portrait-label{padding:15px;bottom:-12px}.portrait-label strong{font-size:1rem}.portrait-label span{font-size:.76rem}.hero .actions{flex-direction:column;align-items:flex-start}.cards{gap:14px}.card{padding:23px}.card h3{font-size:1.2rem}.section-head{gap:25px}.section-head>p{max-width:270px}.trustbar .wrap{flex-wrap:wrap;justify-content:center;gap:10px 22px}.trustbar .divider{display:none}section.section{padding-block:61px}.content-layout{grid-template-columns:1fr;gap:42px}.aside-card{position:static}.footer-grid{gap:25px}.split{gap:33px}.resource-list{gap:16px}}
@media(max-width:580px){.hero-grid{grid-template-columns:1fr;padding-block:40px 45px;gap:42px}.hero h1{font-size:3.15rem;max-width:420px}.hero .intro{max-width:440px}.hero .actions{flex-direction:row}.hero .actions .btn{flex:1;padding-inline:14px}.hero-note{font-size:.8rem}.portrait{width:73%;max-width:300px;margin:auto;padding-bottom:20px}.portrait img{aspect-ratio:1.02;object-position:center 31%;border-radius:100px 100px 8px 8px}.portrait-label{left:-30px;right:-30px;bottom:0;padding:17px 22px}.portrait-label strong{font-size:1.08rem}.portrait-label span{font-size:.8rem}.eyebrow{font-size:.74rem;margin-bottom:17px}.trustbar .wrap{font-size:.77rem;justify-content:flex-start;padding-block:19px;gap:5px 20px}.section-head{display:block}.section-head>p{margin-top:20px;max-width:100%}.cards{grid-template-columns:1fr;gap:16px}.card{padding:27px}.card h3{font-size:1.5rem}.card .tag{margin-bottom:21px}.card p{margin-block:15px 22px}.split{grid-template-columns:1fr;gap:40px}.quote-block{padding:28px}.quote-block p{font-size:1.4rem}.city-band{min-height:410px}.city-band h2{font-size:2.4rem}.city-band:after{background:#102e42bb}.contact-band{padding-block:44px}.contact-band h2{font-size:2rem}.contact-band .actions{width:100%}.contact-band .btn{flex:1;padding-inline:13px}.footer-grid{grid-template-columns:1fr 1fr;gap:35px 20px}.footer-grid>div:first-child{grid-column:1/-1}.footer{padding-top:42px}.page-hero{padding-block:32px 42px}.page-hero h1{font-size:2.65rem}.page-hero .intro{font-size:1.1rem}.breadcrumbs{margin-bottom:24px}.field-grid{grid-template-columns:1fr;gap:18px}.field.full{grid-column:auto}.form-card{padding:23px}.area-list,.resource-list{grid-template-columns:1fr}.legal-links{flex-direction:column}.legal-links>div{gap:15px}.faq summary{font-size:1.05rem}.faq details p{margin-right:6px}.calculator-result{padding:26px}.about-photo{max-width:330px;margin:auto}.brand-name{font-size:1.35rem}.brand-sub{font-size:.68rem}.preview-bar{font-size:.75rem}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{animation:none!important;transition:none!important}}

.article-meta{font-size:.9rem;color:var(--muted);margin-bottom:1.5rem}.article-toc{padding:1.25rem;border:1px solid var(--line,#dae2e7);margin-bottom:2rem;font-size:.95rem}.article-toc ul{columns:2;margin:.7rem 0 0;padding-left:1.1rem}.article-toc li{break-inside:avoid;margin:.4rem 0}.answer-box{padding:1.5rem;background:#edf4f8;border-left:4px solid var(--blue,#176888);margin-bottom:2rem}.answer-box h2{font-size:1.45rem;margin-top:0}.table-wrap{overflow-x:auto;margin:1.5rem 0}.table-wrap th,.table-wrap td{padding:.9rem;vertical-align:top;min-width:145px}.table-wrap th{text-align:left;background:#10394f;color:#fff}.table-wrap td{border-bottom:1px solid #d5e0e6}.decision-links,.local-paths{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:1rem;margin-top:1.5rem}.decision-links a,.local-paths a{display:block;padding:1.2rem;border:1px solid #c3d5df;font-weight:650}.decision-links a:hover,.local-paths a:hover{background:#edf4f8}.related-guides{border-top:1px solid #c3d5df;margin-top:2rem;padding-top:1.5rem}.contact-honeypot{position:absolute;left:-10000px;width:1px;height:1px;overflow:hidden}.consent{display:flex;gap:.8rem;align-items:flex-start;font-size:.9rem;line-height:1.6;margin:1.4rem 0}.consent input{width:1.2rem;height:1.2rem;flex:0 0 auto;margin-top:.2rem}.form-card button:disabled{opacity:.75;cursor:default}h2[id]{scroll-margin-top:8rem}.brand-sub{font-size:.75rem;letter-spacing:.025em}@media(max-width:680px){.article-toc ul{columns:1}.decision-links,.local-paths{grid-template-columns:1fr}.brand-name{font-size:1.55rem}.brand-sub{font-size:.8rem}}
