:root{--bg:#f8f6f0;--card:#fffefa;--ink:#263f35;--muted:#5f6c63;--accent:#365b4c;--accent-light:#e7eddf;--warm:#966043;--line:#d8ded2;--panel:#eeeee4;--dark:#243e33;--button-text:#fff;--serif:Georgia,'Times New Roman',serif;--sans:-apple-system,BlinkMacSystemFont,'Segoe UI',Arial,sans-serif;--shadow:0 8px 30px #243e3309,0 2px 7px #243e3304;--radius:24px}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:40px}body{margin:0;background:var(--bg);color:var(--ink);font-family:var(--sans);font-size:18px;line-height:1.65;-webkit-font-smoothing:antialiased}body.brand-opora{--bg:#f6f7f1;--card:#fffefa;--ink:#173d43;--muted:#5a6e6e;--accent:#173d43;--accent-light:#e0ebce;--warm:#587348;--line:#d6dfd6;--panel:#eaf0e8;--dark:#12333a}a{color:inherit;text-decoration:none}button,input,select,textarea{font:inherit}button,a,input,select,textarea,summary{-webkit-tap-highlight-color:transparent}a,button{touch-action:manipulation}button{cursor:pointer}img{display:block;max-width:100%;height:auto}svg{display:block}h1,h2,h3,p{margin-top:0}h1,h2,h3{line-height:1.12;font-weight:500;letter-spacing:-.045em;text-wrap:balance}h1{font-size:clamp(42px,4.7vw,72px);margin-bottom:26px}h2{font-size:clamp(34px,3.6vw,52px);margin-bottom:24px}h3{font-size:27px;letter-spacing:-.025em}p{margin-bottom:22px}em{font-family:var(--serif);font-weight:400}button:focus-visible,a:focus-visible,summary:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible{outline:3px solid #a97043;outline-offset:5px}::selection{background:var(--accent-light);color:var(--ink)}.container{width:min(1280px,calc(100% - 96px));margin-inline:auto}.section{padding:96px 0}.section-tint{background:var(--panel)}.eyebrow{text-transform:uppercase;letter-spacing:.1em;font-size:14px;font-weight:700;line-height:1.6;margin-bottom:22px;color:var(--muted)}.small{font-size:14px;color:var(--muted)}.large-copy{font-size:22px;line-height:1.6;letter-spacing:-.015em}.text-link{display:inline-flex;align-items:center;gap:12px;font-size:16px;font-weight:600;line-height:1.55;padding:8px 0;align-self:flex-start;text-decoration:underline;text-decoration-thickness:1px;text-underline-offset:6px}.text-link:hover{color:var(--warm)}.button{display:inline-flex;gap:22px;align-items:center;justify-content:center;min-height:56px;padding:16px 25px;font-size:16px;font-weight:600;border:0;border-radius:100px;line-height:1.4;transition:background .2s,transform .2s,box-shadow .2s;text-align:center}.button span{font-size:23px;line-height:1}.button:hover{transform:translateY(-2px);box-shadow:0 8px 18px #173d4315}.button-primary{background:var(--accent);color:var(--button-text)}.button-primary:hover{background:#456955}.brand-opora .button-primary:hover{background:#28565c}.button-secondary,.button-outline{color:var(--accent);background:var(--accent-light)}.button-secondary:hover,.button-outline:hover{background:#d5e1c9}.button-light{background:#f4f4e7;color:var(--dark)}.button:disabled{opacity:.65;cursor:wait;transform:none}.skip-link{position:fixed;top:-100px;left:20px;background:var(--accent);color:white;padding:15px;z-index:100}.skip-link:focus{top:10px}.site-header{background:var(--bg);position:relative;z-index:20}.header-inner{min-height:110px;display:flex;align-items:center;gap:30px}.wordmark{display:flex;gap:12px;align-items:center;min-width:205px;font-size:34px;letter-spacing:-.055em;font-weight:600;line-height:1}.wordmark svg{width:42px;height:42px;flex:none}.wordmark-sub{display:block;font-size:11px;letter-spacing:.12em;text-transform:uppercase;font-weight:600;margin-top:8px}.main-nav{display:flex;gap:25px;margin-left:auto;align-items:center}.main-nav a{font-size:16px;white-space:nowrap;padding:12px 0}.main-nav a:hover{color:var(--warm)}.header-phone{font-size:15px;white-space:nowrap;font-weight:600;padding:13px 18px;background:var(--accent-light);border-radius:100px}.menu-toggle{display:none;border:0;background:var(--panel);padding:12px;border-radius:50%;min-width:48px;min-height:48px}.menu-toggle span{height:2px;width:24px;background:var(--ink);display:block;margin:5px 0}.hero{padding:32px 0 64px}.hero-layout{display:grid;grid-template-columns:1.08fr 1fr;gap:48px;align-items:center}.hero-copy{padding:24px 0}.hero .eyebrow{display:flex;gap:10px;align-items:center}.status-dot{width:8px;height:8px;flex:none;border-radius:50%;background:var(--warm)}.hero h1{font-size:clamp(44px,4.6vw,68px);line-height:1.06;margin:0 0 27px}.hero h1 em{display:block;margin-top:8px;color:var(--accent)}.brand-opora .hero h1 em{color:#587761}.hero-intro{max-width:550px;font-size:19px;line-height:1.65;color:var(--muted);margin-bottom:30px}.hero-actions{display:flex;align-items:center;gap:16px 22px;flex-wrap:wrap}.hero-actions .text-link{align-self:center}.hero-proof{display:flex;align-items:center;gap:13px;margin-top:28px;font-size:14px;line-height:1.65;color:var(--muted)}.hero-proof p{margin:0}.proof-mark{width:38px;height:38px;flex:none;border-radius:50%;display:grid;place-items:center;color:var(--accent);background:var(--accent-light);font-size:18px}.hero-art{position:relative;overflow:hidden;background:#eaece1;min-width:0;border-radius:32px;aspect-ratio:800/830;box-shadow:var(--shadow)}.brand-opora .hero-art{background:#12333a}.hero-art img{width:100%;height:100%;object-fit:contain}.art-caption{position:absolute;bottom:24px;left:24px;right:24px;display:flex;gap:14px;align-items:center;padding:18px 20px;border-radius:18px;background:#fffef8f0;box-shadow:0 4px 20px #173d4310;color:var(--ink);backdrop-filter:blur(8px)}.art-caption strong{display:block;font-size:16px;line-height:1.4;letter-spacing:-.015em}.art-caption p{margin:0}.art-caption div>span{display:block;font-size:14px;line-height:1.5;margin-top:4px;color:var(--muted)}.art-check{width:36px;height:36px;flex:none;display:grid;place-items:center;background:var(--accent-light);border-radius:50%;font-size:20px}.benefits-section{padding:0 0 36px}.benefits-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.benefit{padding:30px 30px 28px;background:var(--card);border-radius:var(--radius);box-shadow:var(--shadow)}.benefit-value{font-size:43px;letter-spacing:-.05em;line-height:1.1;display:block;margin-bottom:15px;color:var(--accent)}.benefit h2{font-size:21px;letter-spacing:-.02em;line-height:1.3;margin-bottom:12px}.benefit p{font-size:15px;line-height:1.6;color:var(--muted);margin:0}.section-heading{display:flex;align-items:flex-end;justify-content:space-between;gap:55px;margin-bottom:44px}.section-heading h2{margin-bottom:0}.section-heading>p{max-width:380px;font-size:18px;color:var(--muted);margin:0 0 3px}.section-heading>.text-link{align-self:flex-end}.property-list{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:20px}.property-row{display:flex;flex-direction:column;align-items:flex-start;padding:26px;background:var(--card);border-radius:var(--radius);box-shadow:var(--shadow);transition:transform .22s,box-shadow .22s}.property-row:hover{transform:translateY(-5px);box-shadow:0 16px 35px #243e3310}.property-top{display:flex;justify-content:space-between;align-items:center;width:100%;margin-bottom:32px}.property-icon{width:58px;height:58px;background:var(--panel);border-radius:17px;display:grid;place-items:center}.property-icon svg{width:34px;height:34px}.property-number{font-size:14px;color:var(--muted)}.property-row h3{font-size:27px;margin-bottom:15px}.property-row p{color:var(--muted);font-size:16px;line-height:1.65;margin-bottom:26px}.property-cta{margin-top:auto;display:flex;align-items:center;justify-content:space-between;gap:10px;width:100%;font-size:15px;font-weight:600;line-height:1.45}.round-arrow{width:36px;height:36px;flex:none;background:var(--accent-light);border-radius:50%;display:grid;place-items:center;font-size:22px}.philosophy{background:var(--dark);color:#f1f3e9}.philosophy .eyebrow{color:#c3d1bc}.philosophy-layout{display:grid;grid-template-columns:1fr 1.1fr;gap:90px}.philosophy h2 em{color:#d2dfbc}.philosophy .button{margin-top:14px}.philosophy .large-copy{font-size:24px;line-height:1.6}.principles{margin-top:34px}.principles>div{display:grid;grid-template-columns:30px 1fr;column-gap:18px;padding:23px 0;border-top:1px solid #ffffff24}.principles span{font-size:14px;color:#c3d1b8;margin-top:3px}.principles strong{font-size:19px;font-weight:500;line-height:1.5}.principles p{grid-column:2;margin:8px 0 0;font-size:16px;color:#d0dbca}.situations-section{background:var(--panel)}.situations-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.situation-card{padding:32px;background:var(--card);border-radius:var(--radius);box-shadow:var(--shadow);display:flex;flex-direction:column;align-items:flex-start}.situation-kicker{color:var(--warm);font-size:14px;font-weight:600;margin-bottom:26px;display:block}.situation-card h3{font-size:28px;line-height:1.2}.situation-card p{font-size:17px;color:var(--muted)}.situation-card .text-link{margin-top:auto}.steps{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:20px;counter-reset:steps}.steps li{padding:26px 24px;background:var(--card);box-shadow:var(--shadow);border-radius:var(--radius);display:flex;flex-direction:column}.step-top{display:flex;gap:13px;align-items:center;margin-bottom:29px}.step-no{display:grid;place-items:center;width:48px;height:48px;flex:none;background:var(--accent-light);border-radius:50%;font-family:var(--serif);font-size:25px;color:var(--accent);line-height:1}.step-label{font-size:14px;font-weight:600;color:var(--muted)}.steps h3{font-size:23px;line-height:1.25;margin-bottom:15px}.steps p{font-size:16px;color:var(--muted);line-height:1.65;margin:0 0 22px}.step-result{font-size:14px;color:var(--accent);margin-top:auto;line-height:1.6}.section-action{display:flex;align-items:center;gap:25px;margin-top:34px}.section-action p{font-size:15px;color:var(--muted);margin:0;max-width:390px}.region-section{background:var(--panel)}.region-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:24px}.region-tile{display:flex;flex-direction:column;align-items:flex-start;padding:32px;background:var(--card);border-radius:var(--radius);box-shadow:var(--shadow);transition:transform .2s}.region-tile:hover{transform:translateY(-5px)}.region-index{font-size:15px;color:var(--warm);margin-bottom:35px}.region-tile h3,.region-tile h2{font-size:30px;margin-bottom:17px}.region-tile p{font-size:17px;color:var(--muted);margin-bottom:24px}.region-tile .text-link{margin-top:auto}.calculator-section{background:#e9efe1}.calculator-layout{display:grid;grid-template-columns:1fr 1fr;gap:90px;align-items:center}.calculator-layout>div:first-child>p{max-width:500px}.calculator{padding:36px;background:var(--card);border-radius:var(--radius);box-shadow:var(--shadow);min-width:0}.calculator>label{display:block;font-size:16px;font-weight:600;margin-bottom:16px}.calculator-input{display:flex;align-items:center;gap:18px;background:var(--panel);border-radius:14px;padding:14px 18px}.calculator-input input{border:0;background:transparent;min-width:0;width:100%;font-size:34px;letter-spacing:-.035em;padding:0;color:var(--ink)}.calculator-input span{font-size:23px;color:var(--muted)}.calculator-range{width:100%;margin:24px 0 5px;accent-color:var(--accent);min-height:32px}.range-labels{display:flex;justify-content:space-between;font-size:14px;color:var(--muted)}.calculator-result{padding:28px 0}.calculator-result>span{display:block;font-size:15px;color:var(--muted)}.calculator-result output{display:block;font-size:46px;letter-spacing:-.045em;line-height:1.4}.calculator .button{width:100%}.calculator>.small{margin:18px 0 0}.calculator .small a{text-decoration:underline}.risk-section{background:var(--dark);color:#eef1df}.risk-layout{display:grid;grid-template-columns:1fr 1.1fr;gap:90px}.risk-layout .eyebrow{color:#c7d5b8}.risk-layout>div>p{color:#d4dfd0;max-width:570px}.risk-layout .text-link:hover{color:#d2dfbc}.articles-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:26px}.article-teaser{background:var(--card);border-radius:var(--radius);box-shadow:var(--shadow);padding:16px 16px 28px;display:flex;flex-direction:column;align-items:flex-start;transition:transform .2s}.article-teaser:hover{transform:translateY(-4px)}.article-visual{height:190px;width:100%;border-radius:16px;background:#e8e8dc;display:flex;align-items:flex-start;justify-content:space-between;padding:25px;color:var(--accent);overflow:hidden;position:relative;margin-bottom:24px}.article-visual:after{content:'';position:absolute;width:150px;height:150px;background:currentColor;opacity:.06;border-radius:28px;transform:rotate(-25deg);right:50px;bottom:-25px}.av-2{background:#dae1d4}.av-3{background:#e7d9c9}.brand-opora .av-1{background:#dcebc4}.brand-opora .av-2{background:#d6e2df}.brand-opora .av-3{background:#d4ddcf}.editorial-num{font-family:var(--serif);font-size:22px;font-style:italic}.article-symbol{font-size:116px;font-weight:300;line-height:1.15;margin-right:20px;transform:rotate(-8deg);transition:transform .25s}.article-teaser:hover .article-symbol{transform:rotate(0deg) translateY(-4px)}.article-teaser>.eyebrow{font-size:14px;margin:0 12px 15px}.article-teaser h3{font-size:26px;line-height:1.25;margin:0 12px 16px}.article-teaser>p:not(.eyebrow){font-size:17px;color:var(--muted);line-height:1.65;margin-inline:12px}.article-teaser .text-link{margin: auto 12px 0}.split{display:grid;grid-template-columns:1fr 1.1fr;gap:90px}.faq details{background:var(--card);border-radius:18px;box-shadow:var(--shadow);margin-bottom:14px;padding:0 24px}.faq summary{cursor:pointer;padding:23px 34px 23px 0;font-size:19px;line-height:1.5;position:relative;list-style:none;font-weight:500}.faq summary::-webkit-details-marker{display:none}.faq summary:after{content:'+';position:absolute;right:0;top:20px;font-size:26px;font-weight:300;color:var(--warm)}.faq details[open] summary:after{content:'−'}.faq p{font-size:17px;color:var(--muted);line-height:1.7;padding-right:12px;margin:0;padding-bottom:25px}.request-section{padding:92px 0;background:var(--panel);scroll-margin-top:25px}.request-layout{display:grid;grid-template-columns:.9fr 1.1fr;gap:75px;align-items:start}.request-copy>p:not(.eyebrow){font-size:19px;max-width:450px;color:var(--muted)}.request-copy>.text-link{margin-top:24px;display:flex;max-width:440px}.request-copy>.button{margin-top:22px}.request-note{display:flex;gap:17px;align-items:flex-start;margin-top:32px;max-width:430px}.request-note p{font-size:16px;color:var(--muted);margin:8px 0 0}.request-note strong{font-size:18px;font-weight:600}.line-icon{background:var(--card);border-radius:50%;width:42px;height:42px;flex:none;display:grid;place-items:center;font-size:23px}.lead-form{background:var(--card);padding:34px;border-radius:var(--radius);box-shadow:0 14px 45px #243e330c;min-width:0}.form-intro{margin-bottom:25px;font-size:15px;color:var(--muted)}.form-intro strong{display:block;color:var(--ink);font-size:21px;margin-bottom:5px}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:21px 18px}.field{min-width:0}.field.full{grid-column:1/-1}.field label{display:block;font-size:16px;font-weight:600;margin-bottom:9px;line-height:1.5}.field label>span:not(.optional){color:var(--warm)}.optional{display:block;font-size:14px;font-weight:400;color:var(--muted)}.field input,.field select,.field textarea{width:100%;min-width:0;border:1px solid #c7d0c1;border-radius:12px;background:#fff;color:var(--ink);font-size:16px;padding:14px 13px;min-height:54px;line-height:1.5}.field textarea{resize:vertical}.field input::placeholder,.field textarea::placeholder{color:#6a756c;font-size:16px;opacity:1}.field select{padding-right:24px}.form-details{margin:22px 0;background:var(--bg);border-radius:14px;padding:0 16px}.form-details summary{padding:18px 0;list-style:none;cursor:pointer;font-size:16px;display:flex;align-items:center;justify-content:space-between;gap:12px;line-height:1.5}.form-details summary::-webkit-details-marker{display:none}.form-details summary span{font-size:24px;color:var(--warm);flex:none}.form-details .form-grid{padding-bottom:20px}.form-details[open] summary span{transform:rotate(45deg)}.consent{display:flex;align-items:flex-start;gap:12px;font-size:14px;color:var(--muted);line-height:1.65;margin:22px 0}.consent input{width:21px;height:21px;flex:none;accent-color:var(--accent);margin:2px 0 0}.consent a{text-decoration:underline;text-underline-offset:3px}.submit-button{width:100%;font-size:16px}.form-footnote{font-size:14px;color:var(--muted);margin:15px 0 0;text-align:center}.form-trap{position:absolute;left:-10000px;top:auto;width:1px;height:1px;overflow:hidden}.form-status{margin-top:20px;padding:20px;background:var(--accent-light);border-radius:14px;font-size:17px;line-height:1.65;overflow-wrap:anywhere}.form-status.error{background:#f9e8de;color:#802f21}.field-error{display:block;color:#9d3c2b;font-size:14px;margin-top:5px}.field [aria-invalid=true]{border-color:#a63c28}.region-note{font-size:15px;color:var(--muted);padding:16px;border-radius:12px;background:var(--panel);margin:16px 0}.site-footer{padding:65px 0 30px;background:var(--dark);color:#edf2e8}.footer-top{display:flex;justify-content:space-between;align-items:flex-start;border-bottom:1px solid #ffffff24;padding-bottom:36px;margin-bottom:42px;gap:30px}.footer-brand{font-size:34px;letter-spacing:-.045em;font-weight:500}.footer-top p{font-size:16px;color:#c5d2bf;margin:8px 0 0}.footer-phone{font-size:29px;letter-spacing:-.035em;white-space:nowrap}.footer-phone span{margin-left:20px}.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:60px}.footer-grid .eyebrow{color:#c4d1bb;font-size:14px;margin-bottom:18px}.footer-grid a{display:block;font-size:16px;margin-bottom:12px;width:fit-content;overflow-wrap:anywhere}.footer-grid a:hover{color:#dfebc0}.footer-grid p:not(.eyebrow){font-size:16px;color:#c5d2bf;margin-top:18px;max-width:330px}.footer-legal{border-top:1px solid #ffffff24;margin-top:35px;padding-top:25px;font-size:14px;color:#c4d1bb;line-height:1.7}.footer-legal>p{margin-bottom:13px;max-width:1000px}.footer-bottom{display:flex;justify-content:space-between;gap:20px;margin-top:28px;font-size:14px}.footer-bottom a{text-decoration:underline;text-underline-offset:3px}.mobile-actions{display:none}.breadcrumb{display:flex;gap:12px;padding-top:22px;font-size:14px;color:var(--muted);align-items:center;flex-wrap:wrap}.breadcrumb a:hover{color:var(--ink)}.breadcrumb>span:last-child{max-width:85%}.page-hero{padding-top:52px;padding-bottom:64px}.page-hero h1{max-width:940px;font-size:clamp(42px,4.5vw,65px)}.page-hero .large-copy{max-width:780px;color:var(--muted);font-size:21px}.page-hero-visual{display:grid;grid-template-columns:1.12fr 1fr;gap:55px;align-items:center}.page-hero-visual h1{font-size:clamp(39px,4.1vw,60px)}.page-hero-visual .hero-art{aspect-ratio:1.1/1}.page-hero .hero-actions{margin-top:27px}.hero-reassurance{font-size:14px;color:var(--muted);margin:19px 0 0}.prose h3{font-size:27px;margin:30px 0 15px}.prose h3:first-child{margin-top:0}.prose p{color:var(--muted);font-size:18px}.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:80px}.contact-grid p:not(.eyebrow){font-size:18px;color:var(--muted);max-width:440px;margin-top:18px}.contact-grid a{overflow-wrap:anywhere}.contact-large{font-size:32px;letter-spacing:-.04em}.policy{max-width:850px;padding-top:0;padding-bottom:65px;font-size:18px;color:var(--muted)}.policy h2{font-size:29px;margin:38px 0 18px;color:var(--ink);letter-spacing:-.03em}.policy a,.article-body a{text-decoration:underline;text-underline-offset:3px}.policy-contact{padding-bottom:75px}.article{padding-top:48px;padding-bottom:85px}.article-header{display:grid;grid-template-columns:1fr 260px;gap:75px;align-items:center;padding-bottom:48px}.article-header h1{font-size:clamp(40px,4.4vw,63px)}.article-header .large-copy{color:var(--muted);max-width:810px}.article-meta{font-size:15px;color:var(--muted);margin-top:25px}.article-meta span{margin-inline:8px}.article-header-art{background:var(--panel);border-radius:28px;padding:30px;aspect-ratio:1/1.2;display:flex;flex-direction:column;justify-content:space-between;font-size:23px;line-height:1.3;font-family:var(--serif);font-style:italic}.article-header-art svg{width:150px;max-width:100%;align-self:flex-end}.article-reading-layout{display:grid;grid-template-columns:290px minmax(0,760px);gap:85px;align-items:start;padding-top:25px}.article-aside{position:sticky;top:30px}.article-toc{padding:25px 25px 18px;background:var(--card);box-shadow:var(--shadow);border-radius:22px}.article-toc .eyebrow{margin-bottom:15px}.article-toc a{display:block;font-size:16px;line-height:1.5;padding:10px 0;color:var(--muted)}.article-toc a:hover{color:var(--accent);text-decoration:underline;text-underline-offset:4px}.article-help{padding:27px 25px;background:var(--panel);margin-top:20px;border-radius:22px}.article-help h2{font-size:25px;line-height:1.2;margin-bottom:15px}.article-help p{font-size:16px;color:var(--muted)}.article-help .button{font-size:15px;padding-inline:18px}.article-body{min-width:0;max-width:760px}.article-body section{scroll-margin-top:30px}.article-body h2{font-size:33px;line-height:1.2;margin:38px 0 20px}.article-body section:first-child h2{margin-top:0}.article-body p{font-size:19px;line-height:1.8;color:var(--muted)}.article-note{font-size:16px;padding:27px;background:var(--panel);border-radius:18px;margin:34px 0;line-height:1.7}.narrow{max-width:850px;margin-bottom:40px}
@keyframes settle-in{from{transform:translateY(7px)}to{transform:translateY(0)}}@media(prefers-reduced-motion:no-preference){.hero-art{animation:settle-in .4s ease-out both}}
@media(max-width:1200px){.container{width:calc(100% - 64px)}.header-inner{gap:20px}.main-nav{gap:19px}.header-phone{display:none}.wordmark{min-width:180px}.hero-layout{gap:35px}.hero h1{font-size:57px}.hero-intro{font-size:18px}.philosophy-layout,.split,.request-layout,.calculator-layout,.risk-layout{gap:55px}.property-list{grid-template-columns:repeat(2,minmax(0,1fr))}.property-row{padding:28px}.property-top{margin-bottom:25px}.property-row p{max-width:420px}.property-cta{justify-content:flex-start;gap:18px}.steps{grid-template-columns:repeat(2,minmax(0,1fr))}.step-top{margin-bottom:24px}.benefit{padding:26px}.situations-grid{gap:18px}.situation-card{padding:26px}.region-tile{padding:28px}.request-layout{grid-template-columns:.85fr 1.1fr}.form-grid{grid-template-columns:1fr}.field.full{grid-column:auto}.article-reading-layout{gap:55px;grid-template-columns:260px minmax(0,1fr)}.article-header{gap:45px;grid-template-columns:1fr 230px}.page-hero-visual{gap:35px}.page-hero-visual .hero-art{aspect-ratio:1/1.12}.art-caption{left:18px;right:18px;bottom:18px;padding:16px}.art-caption strong{font-size:15px}.art-caption div>span{font-size:14px}.section-heading{gap:35px}.section-heading>p{max-width:330px}}
@media(max-width:950px){.hero-layout{grid-template-columns:1.1fr 1fr;gap:28px}.hero h1{font-size:49px}.hero .eyebrow{font-size:14px}.hero-art{aspect-ratio:1/1.4}.art-caption{padding:14px;gap:10px}.art-check{display:none}.benefits-grid{gap:16px}.benefit{padding:24px}.benefit-value{font-size:37px}.benefit h2{font-size:20px}.philosophy-layout,.split,.calculator-layout,.risk-layout{gap:38px}.philosophy .large-copy{font-size:22px}.section{padding:80px 0}.section-heading{align-items:flex-start;flex-direction:column;gap:22px}.section-heading>p{max-width:640px}.section-heading>.text-link{align-self:flex-start}.situations-grid,.articles-grid{grid-template-columns:1fr;gap:22px}.situation-card{padding:30px}.situation-kicker{margin-bottom:16px}.article-teaser{display:grid;grid-template-columns:220px 1fr;gap:0 24px;padding:20px;align-items:start}.article-visual{grid-row:1/5;height:100%;min-height:220px;margin:0}.article-teaser>.eyebrow,.article-teaser h3,.article-teaser>p:not(.eyebrow),.article-teaser .text-link{margin-left:0;margin-right:0}.article-teaser .text-link{margin-top:0}.article-teaser>.eyebrow{margin-top:8px}.region-grid{gap:17px}.region-tile{padding:23px}.region-tile h3,.region-tile h2{font-size:26px}.region-tile p{font-size:16px}.region-tile .text-link{font-size:15px}.request-layout{grid-template-columns:1fr;gap:35px}.request-copy{max-width:680px}.request-copy>p:not(.eyebrow){max-width:640px}.request-note{max-width:580px}.form-grid{grid-template-columns:1fr 1fr}.field.full{grid-column:1/-1}.footer-grid{gap:30px}.footer-phone{font-size:24px}.footer-bottom{flex-wrap:wrap}.article-header{grid-template-columns:1fr 190px;gap:30px}.article-header-art{padding:24px}.article-reading-layout{grid-template-columns:220px minmax(0,1fr);gap:35px}.article-toc{padding:23px 20px}.article-help{padding:25px 20px}.article-header h1{font-size:46px}.article-body h2{font-size:30px}.page-hero-visual h1{font-size:44px}.page-hero-visual .hero-art{aspect-ratio:1/1.5}.page-hero-visual .large-copy{font-size:19px}}
@media(max-width:760px){html{scroll-padding-top:24px}.container{width:calc(100% - 40px)}.header-inner{min-height:88px;justify-content:space-between}.wordmark{font-size:31px;min-width:0}.wordmark svg{width:38px;height:38px}.wordmark-sub{font-size:10px}.menu-toggle{display:block;margin-left:auto}.main-nav{display:none;position:absolute;left:16px;right:16px;top:83px;background:var(--card);padding:15px 23px;box-shadow:0 16px 36px #173d431a;border-radius:20px}.main-nav.is-open{display:flex;flex-direction:column;align-items:stretch;gap:0}.main-nav a{padding:13px 0;font-size:18px}.hero{padding:24px 0 30px}.hero-layout{grid-template-columns:1fr;gap:30px}.hero-copy{padding:0}.hero h1{font-size:clamp(41px,7.7vw,58px);max-width:650px;margin-bottom:25px}.hero h1 em{margin-top:5px}.hero .eyebrow{font-size:14px;margin-bottom:22px}.hero-intro{font-size:18px;max-width:620px;margin-bottom:26px}.hero-art{aspect-ratio:1.25/1;width:100%;max-height:490px}.hero-art img{object-position:center 44%}.art-caption{left:20px;right:20px;bottom:20px;padding:17px 19px}.art-caption strong{font-size:17px}.art-caption div>span{font-size:14px}.art-check{display:grid}.hero-proof{margin-top:23px;font-size:14px}.hero-actions{gap:12px 20px}.hero-actions .button{min-height:55px}.benefits-section{padding-bottom:16px}.benefits-grid{grid-template-columns:1fr;gap:12px}.benefit{padding:24px 26px;display:grid;grid-template-columns:130px 1fr;gap:0 18px}.benefit-value{grid-row:1/3;font-size:37px;margin:0;align-self:center}.benefit h2{font-size:21px;margin-bottom:8px}.benefit p{font-size:15px}.section{padding:66px 0}.eyebrow{font-size:14px;margin-bottom:18px}h2{font-size:38px}.section-heading{margin-bottom:30px}.property-list{gap:16px}.property-row{padding:23px}.property-icon{width:54px;height:54px}.property-top{margin-bottom:24px}.property-row h3{font-size:25px}.property-row p{font-size:16px}.property-cta{font-size:14px;gap:12px}.round-arrow{width:32px;height:32px}.philosophy-layout,.split,.calculator-layout,.risk-layout{grid-template-columns:1fr;gap:30px}.philosophy .button{margin-top:4px}.philosophy .large-copy{font-size:22px}.principles{margin-top:27px}.principles strong{font-size:19px}.principles p{font-size:17px}.situations-grid{gap:16px}.situation-card{padding:27px}.situation-card h3{font-size:29px}.situation-card p{font-size:18px}.steps{gap:16px}.steps li{padding:25px 23px}.steps h3{font-size:24px}.section-action{align-items:flex-start;flex-direction:column;gap:16px}.region-grid{grid-template-columns:1fr}.region-tile{padding:29px}.region-index{margin-bottom:24px}.region-tile h3,.region-tile h2{font-size:31px}.region-tile p{font-size:18px;max-width:600px}.region-tile .text-link{font-size:16px}.calculator{padding:29px}.calculator-layout>div:first-child>p{max-width:650px}.faq summary{font-size:19px}.faq p{font-size:17px}.request-section{padding:65px 0}.request-layout{gap:28px}.request-copy h2{font-size:40px;max-width:650px}.request-copy>.text-link{font-size:16px}.lead-form{padding:27px}.request-note{margin-top:27px}.footer-top{flex-direction:column;gap:26px}.footer-phone{font-size:28px}.footer-grid{grid-template-columns:1fr 1fr;gap:28px 35px}.footer-grid>div:first-child{grid-column:1/-1}.footer-grid p:not(.eyebrow){max-width:100%}.site-footer{padding:50px 0 105px}.footer-top{margin-bottom:32px}.footer-bottom{flex-direction:column;gap:12px}.mobile-actions{display:grid;grid-template-columns:1fr 1fr;gap:10px;position:fixed;bottom:0;left:0;right:0;z-index:25;padding:12px 20px calc(12px + env(safe-area-inset-bottom));background:#fafbf7f0;backdrop-filter:blur(14px);box-shadow:0 -5px 24px #173d4310}.mobile-actions a{display:grid;place-items:center;min-height:48px;padding:10px;border-radius:100px;font-size:15px;font-weight:600;line-height:1.4;background:var(--accent-light);text-align:center}.mobile-actions a:last-child{background:var(--accent);color:white}.breadcrumb{font-size:14px;padding-top:18px;gap:9px}.page-hero{padding-top:36px;padding-bottom:45px}.page-hero h1{font-size:clamp(39px,7.5vw,56px)}.page-hero .large-copy{font-size:20px}.page-hero-visual{grid-template-columns:1fr;gap:30px}.page-hero-visual .hero-art{aspect-ratio:1.3/1;max-height:430px}.page-hero .hero-actions{margin-top:24px}.contact-grid{grid-template-columns:1fr;gap:30px}.contact-large{font-size:30px}.policy{padding-bottom:48px;font-size:18px}.policy h2{font-size:29px}.article{padding-top:34px;padding-bottom:60px}.article-header{grid-template-columns:1fr;gap:22px;padding-bottom:30px}.article-header h1{font-size:clamp(39px,7.5vw,55px)}.article-header .large-copy{font-size:20px}.article-header-art{aspect-ratio:auto;flex-direction:row;align-items:center;padding:23px 27px;font-size:24px}.article-header-art svg{width:100px;align-self:center}.article-reading-layout{grid-template-columns:1fr;gap:35px;padding-top:0}.article-aside{position:static}.article-toc{padding:25px 27px}.article-toc a{font-size:17px}.article-help{display:none}.article-body h2{font-size:32px}.article-body p{font-size:19px;line-height:1.75}.article-note{font-size:16px;padding:24px}.article-meta{font-size:14px}.narrow{margin-bottom:30px}}
@media(max-width:480px){.container{width:calc(100% - 36px)}h2{font-size:34px}.hero h1{font-size:42px}.hero-actions{align-items:stretch;flex-direction:column}.hero-actions .button{width:100%}.hero-actions .text-link{align-self:flex-start}.hero-art{aspect-ratio:1.07/1}.art-caption{left:14px;right:14px;bottom:14px;padding:14px;gap:10px}.art-caption strong{font-size:15px}.art-caption div>span{font-size:14px}.art-check{width:30px;height:30px;font-size:17px}.benefit{padding:24px;grid-template-columns:1fr}.benefit-value{grid-row:auto;font-size:40px;margin-bottom:13px}.benefit h2{font-size:21px}.benefit p{font-size:16px}.property-list{grid-template-columns:1fr}.property-row{padding:27px}.property-top{margin-bottom:25px}.property-row h3{font-size:31px}.property-row p{font-size:18px;margin-bottom:24px}.property-cta{font-size:16px;justify-content:space-between}.round-arrow{width:38px;height:38px}.steps{grid-template-columns:1fr}.steps li{padding:27px}.step-top{margin-bottom:20px}.steps p{font-size:18px}.step-result{font-size:15px}.steps h3{font-size:28px}.article-teaser{display:flex;padding:15px 15px 28px;gap:0}.article-visual{height:190px;min-height:0;margin-bottom:22px}.article-teaser>.eyebrow,.article-teaser h3,.article-teaser>p:not(.eyebrow),.article-teaser .text-link{margin-left:10px;margin-right:10px}.article-teaser h3{font-size:27px}.article-teaser>.eyebrow{margin-top:0}.article-teaser>p:not(.eyebrow){font-size:18px}.article-teaser .text-link{margin-top:auto}.calculator{padding:25px}.calculator-input input{font-size:29px}.calculator-result output{font-size:41px}.form-grid{grid-template-columns:1fr}.field.full{grid-column:auto}.lead-form{padding:23px 20px;border-radius:21px}.request-copy h2{font-size:36px}.form-details{padding:0 13px}.form-details summary{font-size:16px}.consent{font-size:14px}.submit-button{padding-inline:16px}.footer-phone{font-size:24px}.footer-phone span{margin-left:12px}.footer-grid{grid-template-columns:1fr;gap:22px}.footer-grid>div:first-child{grid-column:auto}.mobile-actions{padding-left:15px;padding-right:15px}.mobile-actions a{font-size:14px}.page-hero-visual .hero-art{aspect-ratio:1.1/1}.page-hero h1{font-size:40px}.article-header h1{font-size:39px}.article-body h2{font-size:29px}.article-body p{font-size:18px}.contact-large{font-size:27px}.faq details{padding-inline:21px}.faq summary{font-size:18px}.philosophy h2{font-size:36px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::before,*::after{animation:none!important;transition:none!important}.button:hover,.property-row:hover,.region-tile:hover,.article-teaser:hover{transform:none}.article-teaser:hover .article-symbol{transform:none}}

/* Keep the entire illustration visible; the caption is a separate row. */
.lead-form>.form-grid~.form-grid{margin-top:24px}
.hero-art,.page-hero-visual .hero-art{display:flex;flex-direction:column;aspect-ratio:auto;max-height:none;align-self:center}.hero-art img{position:static;display:block;width:100%;height:auto;aspect-ratio:800/830;object-fit:contain;object-position:center}.art-caption{position:static;inset:auto;margin:0 18px 18px;padding:16px 18px;flex:none;backdrop-filter:none}.art-caption div{min-width:0}
@media(max-width:480px){.art-caption{margin:0 14px 14px;padding:14px;gap:10px}}