@font-face{font-family:"Plus Jakarta Sans";src:url(/fonts/plus-jakarta-sans-latin-700-normal.woff2) format("woff2");font-weight:700;font-style:normal;font-display:swap}
@font-face{font-family:"Plus Jakarta Sans";src:url(/fonts/plus-jakarta-sans-latin-800-normal.woff2) format("woff2");font-weight:800;font-style:normal;font-display:swap}
@font-face{font-family:"Plus Jakarta Sans";src:url(/fonts/plus-jakarta-sans-latin-400-normal.woff2) format("woff2");font-weight:400;font-style:normal;font-display:swap}
@font-face{font-family:"Plus Jakarta Sans";src:url(/fonts/plus-jakarta-sans-latin-500-normal.woff2) format("woff2");font-weight:500;font-style:normal;font-display:swap}
.layout>*,.prose{min-width:0}.tbl{max-width:100%}.prose :where(p,li,dd,blockquote,figcaption){overflow-wrap:anywhere}.apanel{display:flex;flex-direction:column;align-items:center;justify-content:center;gap:6px;min-height:260px;height:100%;padding:32px;text-align:center;background:var(--brand-tint);color:var(--ink)}.apanel .apin{width:56px;height:56px;color:var(--brand)}.apanel b{font:700 1.5rem/1.2 var(--fd),serif;color:var(--ink)}.apanel span{color:var(--ink)}@media (max-width:400px){header .logo img{width:auto!important;height:auto!important;max-width:118px;max-height:34px}}
:root{--bg:#FFFFFF;--surface:#F5F4F0;--ink:#1F1F1F;--text:#2A2A2A;--muted:#575757;--brand:#835500;--action:#8A5A00;--on-action:#FFFFFF;--dark:#1F1F1F;--on-dark:#FFFFFF;--accent:#F2A900;--action-h:#744C00;--brand-tint:#F3EEE6;--action-tint:#F1EBE0;--line:#E2E2E2;--surface-2:#ECE5D6;--surface-3:#FAFAF8;--dark-2:#2F2F2F;--dark-card:#313131;--dark-card-h:#3E3E3E;--on-dark-muted:#CECECE;--on-dark-link:#CAB58C;--action-l:#AD8C4C;--action-xl:#CAB58C;--field:#CECECE;--accent-on-brand:#F8D480;--r:14px;--br:8px;--sh:0 12px 40px rgba(16,24,40,.14);--sp:clamp(56px,7vw,96px);--cw:1200px;--case:none;--fd:"Plus Jakarta Sans";--fb:"Plus Jakarta Sans"}
:root{--x-link:#835500;--x-brand-ink:#835500;--x-ghost:#8A5A00;--x-pill-bg:#F3EEE6;--x-pill-fg:#835500;--x-dk-pill:#41351A;--x-hover:#F2F2F2;--x-act-sh:#8A5A0073;--x-dkb:#F2A900;--x-dkb-t:#1F1F1F;--x-dkb-h:#F4B31F;--x-bbb:#FFFFFF;--x-bbb-t:#835500;--x-on-brand:#FFFFFF;--x-scrim:#1F1F1FC7;--x-fline:#E2E2E2;--x-rs:min(14px,12px);--x-dw:800;--x-bw:500;--x-sig:min(9.67vw,116px);--x-ring:#493612;--x-wave:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1440 80' preserveAspectRatio='none'%3E%3Cpath d='M0 34C240 74 470 0 720 26s500 52 720 4V80H0z'/%3E%3C/svg%3E");--x-dash:#C1AA80;--x-wash-1:#1F1F1FF5;--x-wash-2:#1F1F1FB8}

*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:110px}
body{margin:0;background:var(--bg);color:var(--text);font:400 17px/1.65 var(--fb),system-ui,-apple-system,"Segoe UI",sans-serif}
img{display:block;max-width:100%;height:auto}a{color:var(--x-link)}a:hover{color:var(--action-h)}
h1,h2,h3{font-family:var(--fd),system-ui,sans-serif;font-weight:var(--x-dw);color:var(--ink);margin:0 0 .45em;line-height:1.1;letter-spacing:-.02em;text-transform:var(--case)}
h1{font-size:clamp(2.1rem,4.2vw,3.4rem)}h2{font-size:clamp(1.6rem,2.8vw,2.35rem)}h3{font-size:1.18rem;letter-spacing:-.01em;line-height:1.25}
p{margin:0 0 1em}ul,ol{margin:0 0 1em;padding-left:1.2em}li{margin:.3em 0}
.wrap{max-width:var(--cw);margin:0 auto;padding:0 24px}
.skip{position:absolute;left:-999px;top:0;background:var(--bg);color:var(--ink);padding:10px 14px;z-index:99}.skip:focus{left:8px}
:focus-visible{outline:2px solid var(--ink);outline-offset:2px}.dk :focus-visible,.bb :focus-visible{outline-color:var(--on-dark)}
.ic{width:1.15em;height:1.15em;flex:none;vertical-align:-.15em}
.vh{position:absolute!important;width:1px;height:1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap}
.sec{padding:var(--sp) 0}.tint{background:var(--surface)}.sec.flush{padding-top:0}.tint+.sec.flush,.ctab+.sec.flush,.dk+.sec.flush,.bb+.sec.flush{padding-top:var(--sp)}
.prose.narrow{max-width:860px}
.shead{display:flex;justify-content:space-between;align-items:flex-end;gap:40px;margin-bottom:36px}.shead>div{max-width:680px}
.shead h2{margin:0}.shead p{max-width:32em;color:var(--muted);margin:0}.shead.c{display:block;text-align:center;max-width:760px;margin-left:auto;margin-right:auto}.shead.c p{margin:10px auto 0}
.eyebrow{display:inline-block;font:var(--x-bw) .8rem/1.25 var(--fb),sans-serif;letter-spacing:.16em;text-transform:uppercase;color:var(--x-brand-ink);margin-bottom:12px}
.ey-pill .eyebrow{letter-spacing:.02em;text-transform:none;font-size:.86rem;background:var(--x-pill-bg);color:var(--x-pill-fg);padding:6px 13px;border-radius:999px}
.dk .eyebrow{color:var(--accent)}.ey-pill .dk .eyebrow{background:var(--x-dk-pill);color:var(--accent)}
.broker{font-size:.86rem;line-height:1.5;color:var(--muted);margin:12px 0 0}
.dk{background:var(--dark);color:var(--on-dark)}.dk h1,.dk h2,.dk h3{color:var(--on-dark)}.dk .broker,.dk .muted{color:var(--on-dark-muted)}
.dk .lnk,.dk .prose a,.dk p a{color:var(--on-dark-link)}
.bb{background:var(--brand);color:var(--x-on-brand)}.bb h2,.bb h3{color:var(--x-on-brand)}.bb .broker,.bb p{color:var(--x-on-brand)}.bb p a{color:var(--x-on-brand)}
.lnk{display:inline-flex;align-items:center;gap:6px;font-weight:var(--x-bw);text-decoration:none;color:var(--x-link)}.lnk .ic{transition:transform .15s}.lnk:hover .ic{transform:translateX(3px)}
/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:52px;padding:0 24px;border:2px solid var(--action);border-radius:var(--br);background:var(--action);
 color:var(--on-action);font:var(--x-bw) 1rem/1.15 var(--fb),system-ui,sans-serif;text-decoration:none;cursor:pointer;white-space:nowrap;transition:background-color .15s,box-shadow .15s,transform .15s}
.btn:hover{background:var(--action-h);border-color:var(--action-h);color:var(--on-action)}
.btn.ghost{background:transparent;color:var(--x-ghost);border-color:var(--x-ghost)}.btn.ghost:hover{background:var(--action);border-color:var(--action);color:var(--on-action)}
.bc-caps .btn{text-transform:uppercase;letter-spacing:.06em;font-size:.9rem}
.bt-lift .btn:not(.ghost){box-shadow:0 10px 22px -8px var(--x-act-sh)}@media (prefers-reduced-motion:no-preference){.bt-lift .btn:hover{transform:translateY(-1px)}}
.btn .bca{display:grid;place-items:center;width:32px;height:32px;border-radius:50%;box-shadow:inset 0 0 0 1.5px currentColor;margin-right:-10px;transition:background-color .15s,color .15s}
.btn .bca .ic{width:17px;height:17px}.btn:hover .bca{background:var(--on-action);color:var(--action)}
.dk .btn:not(.ghost){background:var(--x-dkb);border-color:var(--x-dkb);color:var(--x-dkb-t)}.dk .btn:not(.ghost):hover{background:var(--x-dkb-h);border-color:var(--x-dkb-h)}
.dk .btn.ghost,.bb .btn.ghost{color:var(--on-dark);border-color:var(--on-dark)}.dk .btn.ghost:hover{background:var(--on-dark);color:var(--dark)}
.bb .btn:not(.ghost){background:var(--x-bbb);border-color:var(--x-bbb);color:var(--x-bbb-t)}.bb .btn.ghost{color:var(--x-on-brand);border-color:var(--x-on-brand)}
.bb .btn.ghost:hover{background:var(--x-on-brand);color:var(--brand)}.dk .btn:hover .bca,.bb .btn:hover .bca{background:currentColor}.dk .btn:hover .bca .ic,.bb .btn:hover .bca .ic{color:var(--dark)}
.ctas{display:flex;flex-wrap:wrap;align-items:center;gap:12px;margin:24px 0 4px}
/* header */
.strip{background:var(--dark);color:var(--on-dark);font-size:.84rem;line-height:1.4}.strip .wrap{display:flex;justify-content:space-between;align-items:center;gap:18px;padding-top:8px;padding-bottom:8px}
.strip a{color:var(--on-dark);font-weight:var(--x-bw)}.strip .ic{color:var(--accent);margin-right:4px}
.hdr{position:sticky;top:0;z-index:50;background:var(--bg);border-bottom:1px solid var(--line);transition:box-shadow .2s,background-color .2s}.hdr.solid{box-shadow:0 8px 24px rgba(16,24,40,.08)}
.bar{display:flex;align-items:center;gap:20px;min-height:80px}
.logo{display:block;flex:none;line-height:0}.logo img{height:46px;width:auto;max-width:min(250px,46vw);object-fit:contain;object-position:left center}
.nav{display:flex;align-items:center;gap:2px;margin-left:auto}
.nav>a,.drop>a{display:block;padding:10px 12px;color:var(--ink);text-decoration:none;font:var(--x-bw) .96rem/1.1 var(--fb),sans-serif;border-radius:8px;white-space:nowrap}
.nav>a:hover,.drop>a:hover{background:var(--x-hover);color:var(--ink)}.nav a[aria-current]{box-shadow:inset 0 -2px 0 var(--x-brand-ink);border-radius:0}
.drop{position:relative}.drop-m{display:none;position:absolute;left:0;top:100%;min-width:260px;background:var(--bg);border:1px solid var(--line);border-radius:var(--x-rs);
 box-shadow:0 18px 40px rgba(16,24,40,.14);padding:8px;z-index:60}
.drop:hover .drop-m,.drop:focus-within .drop-m{display:block}
.drop-m a{display:block;padding:10px 12px;color:var(--text);text-decoration:none;font-size:.96rem;border-radius:6px}.drop-m a:hover{background:var(--surface);color:var(--ink)}
.sub-t{display:none}.nav .nav-call{display:none;align-items:center;justify-content:center;gap:8px;margin:14px 24px 0;background:var(--action);color:var(--on-action);padding:15px;
 font-weight:var(--x-bw);text-decoration:none;border-radius:var(--br)}
.hcall{display:inline-flex;align-items:center;gap:8px;color:var(--ink);text-decoration:none;font-weight:var(--x-bw);white-space:nowrap;min-height:44px}.hcall .ic{color:var(--x-brand-ink)}
.hdr .btn{min-height:46px;padding:0 18px;font-size:.94rem}.hdr .btn .bca{width:28px;height:28px}
.mbtn{display:none;align-items:center;gap:8px;background:none;border:0;color:var(--ink);padding:8px;cursor:pointer;min-height:44px;font:var(--x-bw) .92rem/1 var(--fb),sans-serif}
.mbtn .ic{width:28px;height:28px}.mbtn .i-x,.mbtn.x .i-menu{display:none}.mbtn.x .i-x{display:block}
.mapply{display:none;align-items:center;min-height:44px;padding:0 16px;border-radius:var(--br);background:var(--action);color:var(--on-action);font-weight:var(--x-bw);text-decoration:none;font-size:.92rem}
.h-trans.tn-d .mapply{background:var(--x-dkb);color:var(--x-dkb-t)}
.crumbs{font-size:.9rem;margin-bottom:14px;color:var(--muted)}.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px;margin:0;padding:0}.crumbs li{margin:0}
.crumbs li+li::before{content:"/";margin-right:6px}.crumbs a{color:var(--muted)}.dk .crumbs,.dk .crumbs a{color:var(--on-dark-muted)}
.h-utility .hcall{display:none}
.h-trans{position:relative;background:transparent;border-color:transparent;height:81px;margin-bottom:-81px}.h-trans.js{position:sticky}.h-trans .bar{height:80px}
.h-trans.tn-d .nav>a,.h-trans.tn-d .drop>a,.h-trans.tn-d .hcall,.h-trans.tn-d .mbtn{color:var(--on-dark)}.h-trans.tn-d .hcall .ic{color:var(--accent)}
.h-trans.tn-d .nav>a:hover,.h-trans.tn-d .drop>a:hover{background:rgba(255,255,255,.1)}.h-trans.tn-d .nav a[aria-current]{box-shadow:inset 0 -2px 0 var(--accent)}
.h-trans.tn-d .bar>.btn{background:var(--x-dkb);border-color:var(--x-dkb);color:var(--x-dkb-t)}
.h-trans.tn-d.solid,.h-trans.tn-d:has(.nav.open){background:var(--dark)}.h-trans.tn-l.solid,.h-trans.tn-l:has(.nav.open){background:var(--bg);border-color:var(--line)}
.h-trans~main{--hdr-o:81px}
.h-min .bigph{margin-left:auto;display:flex;flex-direction:column;align-items:flex-end;text-decoration:none;color:var(--ink)}
.bigph small{font:var(--x-bw) .7rem/1.3 var(--fb),sans-serif;letter-spacing:.14em;text-transform:uppercase;color:var(--muted)}
.bigph span{display:flex;align-items:center;gap:8px;font:var(--x-dw) 1.5rem/1.15 var(--fd),sans-serif;letter-spacing:-.02em}.bigph .ic{color:var(--x-brand-ink);width:.8em;height:.8em}
.h-min .mbtn{display:flex;border:1.5px solid var(--ink);border-radius:var(--br);padding:0 14px;height:46px}.h-min .mbtn .ic{width:20px;height:20px}
.h-min .nav{left:auto;right:max(16px,calc((100% - var(--cw))/2 + 24px));width:min(400px,calc(100% - 32px));border:1px solid var(--line);border-radius:var(--x-rs)}
.hdr .bar{position:static}
/* cards and grids (12 columns; spans set per card so no row ends with an orphan) */
.cards{display:grid;grid-template-columns:repeat(12,minmax(0,1fr));gap:22px;list-style:none;padding:0;margin:0}.cards>*{margin:0}
.s3{grid-column:span 3}.s4{grid-column:span 4}.s6{grid-column:span 6}.s12{grid-column:span 12}
.card{position:relative;display:flex;flex-direction:column;gap:6px;background:var(--bg);border-radius:var(--r);padding:26px}
.card h3{margin:6px 0 2px}.card h3 a{color:var(--ink);text-decoration:none}.card h3 a::after{content:"";position:absolute;inset:0;border-radius:inherit}
.card h3 a:focus-visible{outline:none}.card:focus-within{outline:2px solid var(--ink);outline-offset:3px}.card h3 a:hover{color:var(--x-link)}
.card p{color:var(--muted);font-size:.97rem;margin:0;flex:1}.card .cb{display:flex;flex-direction:column;gap:6px;flex:1}
.card.wt{padding:0;overflow:hidden}.card.wt .cb{padding:24px 28px 28px}.th{line-height:0;position:relative}.th img{width:100%;aspect-ratio:21/9;object-fit:cover}
.more{display:inline-flex;align-items:center;gap:6px;margin-top:12px;font-weight:var(--x-bw);color:var(--x-link);font-size:.96rem}.more .ic{transition:transform .15s}.card:hover .more .ic{transform:translateX(3px)}
.cic{display:inline-grid;place-items:center;color:var(--brand);flex:none;align-self:flex-start;justify-self:start}.cic .ic{width:30px;height:30px}
.icn-i-square-tile .cic{width:52px;height:52px;border-radius:min(var(--r),14px);background:var(--brand-tint)}.icn-i-square-tile .cic .ic{width:26px;height:26px}
.icn-i-duotone .cic .ic{width:42px;height:42px}.icn-i-outline-bold .cic .ic{width:32px;height:32px}.icn-i-outline-thin .cic .ic{width:34px;height:34px}
.card-c-elevated .card{box-shadow:var(--sh);border:1px solid var(--line)}
.card-c-flat-tint .card{background:var(--surface)}.card-c-flat-tint .tint .card{background:var(--bg)}
.card-c-leftrule .card{background:var(--surface);border-left:5px solid var(--brand);border-radius:0 var(--r) var(--r) 0}.card-c-leftrule .tint .card{background:var(--bg)}
.card-c-image-top .card{background:var(--surface)}.card-c-image-top .tint .card{background:var(--bg)}
.card-c-corner-line .card{background:transparent;border:solid var(--line);border-width:0 1px 1px 0;border-radius:0 0 24px 0;padding:26px 28px 28px 0}
/* steps */
.steps{list-style:none;margin:0;padding:0;counter-reset:s}.steps>li{counter-increment:s;position:relative}.steps h3{font-size:1.15rem;margin:0 0 6px}.steps p{color:var(--muted);margin:0}
/* summary, article, tables */
.summary{background:var(--surface);border-left:5px solid var(--brand);border-radius:0 var(--x-rs) var(--x-rs) 0;padding:18px 22px;margin:0 0 24px}
.tint .summary{background:var(--bg)}h1 em,.shead h2 em{font-style:normal;color:var(--x-brand-ink)}.dk h1 em,.dk .shead h2 em{color:var(--accent)}.summary b{display:block;font:var(--x-bw) .8rem/1 var(--fb),sans-serif;letter-spacing:.14em;text-transform:uppercase;color:var(--x-brand-ink);margin-bottom:8px}.summary p{margin:0;color:var(--ink)}
.tbl{overflow-x:auto;margin:0 0 1.3em;border:1px solid var(--line);border-radius:var(--x-rs)}
.tbl table{border-collapse:collapse;width:100%;font-size:.95rem}.tbl th,.tbl td{border-bottom:1px solid var(--line);padding:11px 12px;text-align:left;vertical-align:top;line-height:1.5}
.tbl thead th{background:var(--dark);color:var(--on-dark)}.tbl tbody th{background:var(--surface);color:var(--ink)}.tbl caption{caption-side:top;text-align:left;font-weight:var(--x-bw);color:var(--ink);padding:10px 12px}
.layout{display:grid;grid-template-columns:minmax(0,1fr) 330px;gap:56px;align-items:start}
.prose{font-size:1.03rem;line-height:1.78}.prose h2{font-size:clamp(1.4rem,2.3vw,1.8rem);margin-top:1.6em;scroll-margin-top:120px}.prose h2:first-child{margin-top:0}
.prose h3{margin-top:1.3em;font-size:1.12rem}.updated{font-size:.9rem;color:var(--muted)}
.aside{position:sticky;top:110px;display:grid;gap:18px}
.toc{border:1px solid var(--line);border-radius:var(--x-rs);padding:18px 20px}.toc b{font:var(--x-dw) 1rem/1.2 var(--fd),sans-serif;color:var(--ink)}
.toc ol{margin:.6em 0 0;padding-left:1.1em;font-size:.95rem}.toc a{color:var(--text)}
.callcard{border-radius:var(--r);padding:26px}.callcard h2{font-size:1.35rem}.callcard p{font-size:.96rem}
.callcard .tel{display:block;font:var(--x-dw) 1.55rem/1.2 var(--fd),sans-serif;color:var(--on-dark);text-decoration:none;margin:8px 0 16px}.callcard .btn{width:100%}
/* related */
.related{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:16px}
.related li{margin:0;border:1px solid var(--line);border-radius:var(--x-rs);padding:18px 20px}.related a{font-weight:var(--x-bw)}.related p{margin:.35em 0 0;color:var(--muted);font-size:.94rem}
/* faq */
.faq details{margin:0 0 10px}.faq summary{cursor:pointer;list-style:none;position:relative;padding:18px 62px 18px 22px;font:var(--x-bw) 1.06rem/1.4 var(--fb),sans-serif;color:var(--ink)}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:16px;top:50%;transform:translateY(-50%);width:32px;height:32px;display:grid;place-items:center;font:600 1.3rem/1 var(--fb),sans-serif}
.faq details[open] summary::after{content:"\2212"}.faq details>div{padding:0 22px 16px;color:var(--muted)}.faq details>div p{margin:0}
.faqs-c{max-width:880px;margin:0 auto}.faq-more{color:var(--muted);margin-top:22px}.faqs-c .faq-more{text-align:center}
.faq-faq-bars .faq details{background:var(--bg);border:1px solid var(--line);border-radius:var(--x-rs)}.faq-faq-bars .faq summary::after{background:var(--brand);color:var(--x-on-brand);border-radius:min(var(--br),8px)}
.faq-faq-rules .faq details{border-bottom:1px solid var(--line);margin:0}.faq-faq-rules .faq details:first-child{border-top:1px solid var(--line)}.faq-faq-rules .faq summary{padding-left:0}
.faq-faq-rules .faq details>div{padding-left:0}.faq-faq-rules .faq summary::after{color:var(--x-brand-ink)}
.faq2{display:grid;grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr);gap:64px;align-items:start}.faq2 .faq-h{position:sticky;top:110px}.faq2 .faq-h p{color:var(--muted)}
.faq-faq-2col .faq details{border-bottom:1px solid var(--line);margin:0}.faq-faq-2col .faq summary{padding-left:0}.faq-faq-2col .faq details>div{padding-left:0}
.faq-faq-2col .faq summary::after{border:1.5px solid var(--line);border-radius:50%;color:var(--x-brand-ink)}
.faqpanel{background:var(--dark);color:var(--on-dark);border-radius:calc(var(--r) + 6px);padding:clamp(28px,5vw,64px)}.faqpanel .faq details{border-bottom:1px solid var(--dark-card-h);margin:0}
.faqpanel .faq summary{color:var(--on-dark);padding-left:0}.faqpanel .faq summary::after{background:var(--dark-card);color:var(--accent);border-radius:50%}.faqpanel .faq details>div{color:var(--on-dark-muted);padding-left:0}
.faqpanel .faq a,.faqpanel .faq-more a{color:var(--on-dark-link)}.faqpanel .faq-more{color:var(--on-dark-muted)}
.faqcards .faq{display:grid;grid-template-columns:1fr 1fr;gap:14px;align-items:start}.faqcards .faq details{background:var(--surface);border-radius:var(--r);margin:0}.faqcards .faq details:last-child:nth-child(odd){grid-column:1/-1}
.tint .faqcards .faq details{background:var(--bg)}.faqcards .faq summary::after{color:var(--x-brand-ink)}
/* CTA bands */
.ctab .ctas{margin-top:0}
.cta-solid .wrap{display:grid;grid-template-columns:minmax(0,1.15fr) auto;gap:40px;align-items:center;padding-top:var(--sp);padding-bottom:var(--sp)}.cta-solid h2{margin:0 0 .3em}.cta-solid p{margin:0}
.cta-split{display:grid;grid-template-columns:1fr 1fr}.cta-split .half>div{max-width:calc(var(--cw) / 2);padding:clamp(40px,5vw,72px) 40px}
.cta-split .q>div{margin-left:auto;padding-left:24px}.cta-split .q p{margin:0}.cta-split h2{margin:0 0 .3em}
.pillars{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}.pill-c{position:relative;display:flex;flex-direction:column;gap:6px;background:var(--bg);border-radius:var(--r);padding:28px;border:1px solid var(--line)}
.card-c-elevated .pill-c{box-shadow:var(--sh)}.pill-c .k{font:var(--x-bw) .78rem/1 var(--fb),sans-serif;letter-spacing:.14em;text-transform:uppercase;color:var(--muted)}
.pill-c b{font:var(--x-dw) 1.3rem/1.25 var(--fd),sans-serif;color:var(--ink)}.pill-c a.lnk::after{content:"";position:absolute;inset:0}.pill-c .cic{margin-bottom:8px}
.cta-photo{position:relative;overflow:hidden;text-align:center}.cta-photo>img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.cta-photo::before{content:"";position:absolute;inset:0;background:var(--x-scrim)}.cta-photo .wrap{position:relative;max-width:820px;padding-top:calc(var(--sp) * 1.2);padding-bottom:calc(var(--sp) * 1.2)}
.cta-photo .ctas{justify-content:center}.cta-photo>.ill.r{left:auto;right:14px;bottom:14px}
/* numbers, towns, office rows */
.num{background:var(--surface);border-radius:var(--r);padding:28px}.tint .num{background:var(--bg)}.num b{display:block;font:var(--x-dw) clamp(2.2rem,4vw,3rem)/1 var(--fd),sans-serif;color:var(--x-brand-ink);margin-bottom:10px}
.num h3{margin-bottom:6px}.num p{color:var(--muted);margin:0;font-size:.95rem}.num small{display:block;margin-top:12px;color:var(--muted);font-size:.78rem;line-height:1.4}
.towns{display:flex;flex-wrap:wrap;gap:10px}.towns a{display:inline-flex;align-items:center;gap:8px;min-height:46px;padding:0 18px;border:1.5px solid var(--line);border-radius:999px;
 color:var(--ink);text-decoration:none;font-weight:var(--x-bw)}.towns a:hover{border-color:var(--x-link);color:var(--x-link)}.towns .ic{color:var(--x-brand-ink)}
/* forms, calculator, map */
.form-wrap{background:var(--bg);border:1px solid var(--line);border-radius:var(--x-rs);padding:10px;min-height:960px}.form-wrap iframe{display:block;width:100%;min-height:932px;border:0}
.calc{display:grid;grid-template-columns:1.1fr .9fr;border:1px solid var(--line);border-radius:var(--r);overflow:hidden;background:var(--bg)}
.calc form{padding:28px}.calc label{display:block;font-weight:var(--x-bw);color:var(--ink);margin:0 0 6px}.calc .fld{margin-bottom:18px}.calc .hint{font-weight:400;color:var(--muted);font-size:.85rem}
.calc input{width:100%;height:52px;border:1.5px solid var(--field);border-radius:min(var(--r),10px);padding:0 14px;font:600 1.08rem var(--fb),sans-serif;color:var(--ink);background:var(--bg)}
.calc input:focus{outline:2px solid var(--ink);outline-offset:1px}
.calc .res{background:var(--dark);color:var(--on-dark);padding:28px;display:flex;flex-direction:column;gap:14px}.calc .res h2{color:var(--accent);font-size:1.4rem;margin:0}
.calc dl{margin:0;display:grid;gap:12px}.calc dt{font-size:.88rem;color:var(--on-dark-muted)}.calc dd{margin:2px 0 0;font:var(--x-dw) 1.8rem/1.1 var(--fd),sans-serif}.calc dd.sm{font-size:1.2rem}
.calc .res p{font-size:.84rem;margin:auto 0 0;color:var(--on-dark-muted)}
.mapbox{position:relative;min-height:360px;background:var(--surface);border-radius:var(--r);display:grid;place-items:center;text-align:center;padding:24px;overflow:hidden}
.mapbox iframe{position:absolute;inset:0;width:100%;height:100%;border:0}
/* footer */
.ftr{font-size:.95rem;line-height:1.55}.ftr a{color:inherit;text-decoration:none}.ftr a:hover{text-decoration:underline}.ftr address{font-style:normal}
.ftr h2{font:var(--x-bw) .76rem/1.2 var(--fb),sans-serif;letter-spacing:.16em;text-transform:uppercase;margin:0 0 16px}.ftr ul{list-style:none;margin:0;padding:0;display:grid;gap:9px}.ftr li{margin:0}
.fcols{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:40px;padding:60px 0 44px}.fblurb{margin:16px 0 0;max-width:24em}
.flegal{border-top:1px solid var(--x-fline);padding:24px 0 32px;font-size:.84rem;line-height:1.6}.flegal p{max-width:72em}.ftr .flegal p a{text-decoration:underline}
.flegal ul{display:flex;flex-wrap:wrap;gap:6px 22px;margin:12px 0 0;font-weight:var(--x-bw)}.copy{margin:12px 0 0}
.linkbtn{background:none;border:0;padding:0;font:inherit;color:inherit;cursor:pointer;text-decoration:underline;min-height:24px}
.ftr.fdk,.fbar{background:var(--dark);color:var(--on-dark)}.ftr.fdk{--x-fline:var(--dark-card-h)}.fdk h2,.fbar h2{color:var(--accent)}.fdk .fblurb,.fdk .flegal,.fbar .flegal{color:var(--on-dark-muted)}
.fdk .flegal a,.fbar .flegal a,.fdk .linkbtn,.fbar .linkbtn{color:var(--on-dark)}
.ftr.flt{background:var(--surface);color:var(--text);--x-fline:var(--line)}.flt h2{color:var(--ink)}.flt .fcols{padding-bottom:52px}.fbar .flegal{border:0}
.napbig{display:flex;justify-content:space-between;align-items:flex-end;gap:24px;flex-wrap:wrap;padding:52px 0 30px;border-bottom:1px solid var(--x-fline)}
.napbig .ph{display:flex;align-items:center;gap:14px;font:var(--x-dw) clamp(2rem,4.4vw,3.2rem)/1 var(--fd),sans-serif;letter-spacing:-.03em;color:var(--ink)}.napbig .ph .ic{color:var(--x-brand-ink);width:.7em;height:.7em}
.napbig p{margin:0;font-size:1.05rem;color:var(--ink)}.napbig p a{color:var(--x-link);font-weight:var(--x-bw);text-decoration:underline}
.fcols.three{grid-template-columns:1.4fr 1fr 1fr 1fr}
.ftr.fsig{background:var(--bg);color:var(--text);border-top:1px solid var(--line);--x-fline:var(--line);overflow:hidden}.fsig h2{color:var(--ink)}
.sig{font:var(--x-dw) var(--x-sig)/.9 var(--fd),sans-serif;letter-spacing:-.045em;color:var(--brand);white-space:nowrap;margin:0;padding:8px 0 26px;text-transform:none}
/* mobile bar */
.mbar{position:fixed;left:0;right:0;bottom:0;z-index:60;display:none;background:var(--bg);box-shadow:0 -4px 18px rgba(0,0,0,.14);padding-bottom:env(safe-area-inset-bottom)}
.mbar nav{display:grid;grid-auto-flow:column;grid-auto-columns:1fr}
.mbar a{display:flex;align-items:center;justify-content:center;gap:8px;min-height:58px;text-decoration:none;font:var(--x-bw) .95rem/1 var(--fb),sans-serif;color:var(--ink)}
.mbar a .ic{color:var(--x-brand-ink)}.mbar a.p{background:var(--action);color:var(--on-action)}.mbar a.p .ic{color:var(--on-action)}
.mpill{position:fixed;right:16px;bottom:calc(16px + env(safe-area-inset-bottom));z-index:60;display:none;align-items:center;gap:8px;padding:0 22px;min-height:54px;border-radius:999px;
 background:var(--action);color:var(--on-action);font-weight:var(--x-bw);text-decoration:none;box-shadow:0 10px 24px rgba(0,0,0,.25)}
/* cookie consent (shared script, family styling) */
.cc-bar{position:fixed;left:0;right:0;bottom:0;z-index:70;background:var(--bg);border-top:3px solid var(--brand);box-shadow:0 -6px 24px rgba(0,0,0,.18)}
.cc-in{max-width:var(--cw);margin:0 auto;padding:16px 24px;display:flex;gap:20px;align-items:center}.cc-txt{margin:0;font-size:.92rem;line-height:1.5;flex:1}
.cc-btns{display:flex;gap:10px;flex-wrap:wrap;justify-content:flex-end}
.cc-b{font:var(--x-bw) .92rem/1 var(--fb),sans-serif;padding:12px 18px;cursor:pointer;border:2px solid var(--ink);background:var(--bg);color:var(--ink);white-space:nowrap;border-radius:var(--br)}
.cc-acc,.cc-save{background:var(--action);border-color:var(--action);color:var(--on-action)}.cc-set{border:0;text-decoration:underline}
.cc-ov{position:fixed;inset:0;z-index:80;background:rgba(0,0,0,.5);display:grid;place-items:center;padding:16px}.cc-ov[hidden]{display:none}
.cc-dlg{background:var(--bg);max-width:560px;width:100%;max-height:calc(100vh - 32px);overflow:auto;padding:24px;border-radius:var(--x-rs)}
.cc-row{display:flex;gap:16px;justify-content:space-between;border-top:1px solid var(--line);padding:14px 0}.cc-row p{margin:4px 0 0;color:var(--muted);font-size:.95rem}
.cc-sw{appearance:none;-webkit-appearance:none;flex:none;width:46px;height:26px;border-radius:13px;background:#b9bec3;position:relative;cursor:pointer}
.cc-sw::after{content:"";position:absolute;top:3px;left:3px;width:20px;height:20px;border-radius:50%;background:#fff;transition:left .15s}
.cc-sw:checked{background:var(--action)}.cc-sw:checked::after{left:23px}.cc-sw:focus-visible{outline:3px solid var(--ink);outline-offset:2px}
.ftr address a,.ftr address+p a{display:inline-block;min-height:24px;line-height:24px}
/* responsive */
@media (max-width:1280px){.hcall .hn{display:none}.hcall{width:44px;justify-content:center}}
@media (max-width:1100px){.mbtn{display:flex}.nav>a,.drop>a{font-size:1rem}.hcall{margin-left:auto}.h-utility .bar>.btn{margin-left:auto}
 .nav{display:none;position:absolute;left:0;right:0;top:100%;background:var(--bg);flex-direction:column;align-items:stretch;gap:0;padding:8px 0 16px;
 box-shadow:0 18px 30px rgba(16,24,40,.16);max-height:calc(100dvh - 120px);overflow-y:auto;margin:0}
 .nav.open{display:flex} .nav>a, .drop>a{padding:15px 24px;border-bottom:1px solid var(--surface);border-radius:0;color:var(--ink);white-space:normal;box-shadow:none}
 .drop{display:grid;grid-template-columns:1fr auto} .sub-t{display:grid;place-items:center;width:56px;background:none;border:0;border-bottom:1px solid var(--surface);color:var(--ink);cursor:pointer}
 .drop:hover .drop-m, .drop:focus-within .drop-m{display:none} .drop-m{grid-column:1/-1;position:static;box-shadow:none;border:0;padding:0 0 6px 24px;min-width:0}
 .drop.open .drop-m{display:block} .nav .nav-call{display:flex}
.layout{grid-template-columns:minmax(0,1fr)}.aside{position:static}.fcols,.fcols.three{grid-template-columns:1fr 1fr}.fcols>div:first-child{grid-column:1/-1}}
.h-min .nav{display:none;position:absolute;left:0;right:0;top:100%;background:var(--bg);flex-direction:column;align-items:stretch;gap:0;padding:8px 0 16px;
 box-shadow:0 18px 30px rgba(16,24,40,.16);max-height:calc(100dvh - 120px);overflow-y:auto;margin:0}
.h-min .nav.open{display:flex}.h-min .nav>a,.h-min .drop>a{padding:15px 24px;border-bottom:1px solid var(--surface);border-radius:0;color:var(--ink);white-space:normal;box-shadow:none}
.h-min .drop{display:grid;grid-template-columns:1fr auto}.h-min .sub-t{display:grid;place-items:center;width:56px;background:none;border:0;border-bottom:1px solid var(--surface);color:var(--ink);cursor:pointer}
.h-min .drop:hover .drop-m,.h-min .drop:focus-within .drop-m{display:none}.h-min .drop-m{grid-column:1/-1;position:static;box-shadow:none;border:0;padding:0 0 6px 24px;min-width:0}
.h-min .drop.open .drop-m{display:block}.h-min .nav .nav-call{display:flex}
@media (max-width:1000px){.cards>*{grid-column:span 12}.cards>.t6{grid-column:span 6}.faq2{grid-template-columns:1fr;gap:20px}.faq2 .faq-h{position:static}
.pillars{grid-template-columns:1fr}.cta-solid .wrap{grid-template-columns:1fr;gap:22px}.cta-split{grid-template-columns:1fr}.cta-split .half>div{max-width:none;margin:0;padding:40px 24px}}
@media (max-width:860px){.mbar{display:block}.mpill{display:inline-flex}body{padding-bottom:62px}body.mb-mb-call-pill{padding-bottom:84px}
.bar{min-height:66px;gap:10px}.h-trans,.h-trans .bar{height:67px}.h-trans .bar{height:66px}.h-trans{margin-bottom:-67px}.h-trans~main{--hdr-o:67px}
.logo img{height:38px}.bar>.btn{display:none}.mapply{display:inline-flex;margin-left:auto}.h-utility .hcall{display:inline-flex}
.hcall{border:1.5px solid var(--line);border-radius:50%;width:44px;height:44px;justify-content:center;margin-left:auto}.h-trans.tn-d .hcall{border-color:rgba(255,255,255,.35)}
.has-pill .hcall{display:none!important}.h-min .mapply{display:none}.h-min .bigph small{display:none}.h-min .bigph span{font-size:1.02rem;white-space:nowrap}.h-min .mbtn span{display:none}.h-min .mbtn{padding:0 10px;height:44px}
.shead{display:block}.shead p{margin-top:10px}.calc{grid-template-columns:1fr}.wrap{padding:0 16px}.strip .wrap>:last-child{display:none}
.cc-bar{bottom:calc(58px + env(safe-area-inset-bottom))}.cc-in{flex-direction:column;align-items:stretch;gap:12px;padding:14px 16px}.cc-txt{font-size:.84rem}.cc-btns .cc-b{flex:1}.cc-set{flex-basis:100%!important;order:3}
.faqcards .faq{grid-template-columns:1fr}.napbig{padding:36px 0 24px}}
@media (max-width:400px){.h-min .bar{gap:8px}.h-min .bigph span{font-size:.95rem}}
@media (max-width:560px){.cards>.t6{grid-column:span 12}.fcols,.fcols.three{grid-template-columns:1fr}.btn{white-space:normal}.ctas .btn{width:100%}.h-min .bigph .ic{display:none}}
@media (max-width:400px){.h-min .bigph span{font-size:.92rem}}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}
.ill{position:absolute;z-index:3;left:10px;bottom:10px;font:600 .66rem/1 var(--fb),system-ui,sans-serif;letter-spacing:.06em;text-transform:uppercase;background:rgba(0,0,0,.74);color:#fff;padding:5px 8px;border-radius:999px;pointer-events:none;white-space:nowrap}

/* F04 hero */
.f4hero{position:relative;overflow:hidden;overflow:clip;padding:calc(var(--hdr-o,0px) + 56px) 0 0;isolation:isolate}
.f4grid{position:relative;display:grid;grid-template-columns:minmax(0,1.02fr) minmax(0,.98fr);grid-template-areas:"l form";column-gap:64px;align-items:start}
.f4l{grid-area:l}.f4form{grid-area:form;position:relative;z-index:2}
.f4hero h1{font-size:clamp(2.2rem,4.2vw,3.45rem);letter-spacing:-.03em;line-height:1.05}.f4hero .lead{font-size:1.14rem;max-width:31em;margin:0 0 6px}
.f4hero h1 em{font-style:normal;color:var(--x-brand-ink)}
.fcard{background:var(--bg);color:var(--text);border-radius:var(--r);box-shadow:0 24px 60px -18px rgba(16,24,40,.28);overflow:hidden;border:1px solid var(--line)}
.fcard .fh{display:flex;justify-content:space-between;align-items:center;gap:14px;padding:26px 30px 0}
.fcard h2{font-size:1.5rem;margin:0;letter-spacing:-.02em}.fcard h2 em{font-style:normal;color:var(--x-brand-ink)}
.chip{display:inline-flex;align-items:center;gap:6px;font:var(--x-bw) .78rem/1.2 var(--fb),sans-serif;color:var(--muted);white-space:nowrap}.chip .ic{color:var(--x-brand-ink)}
.fcard .fb{padding:10px 30px 24px}.fsub{color:var(--muted);font-size:.95rem;margin:0 0 14px}
.fcard .form-wrap{border:0;padding:0;min-height:932px;border-radius:0}.fcard .broker{border-top:1px solid var(--line);padding-top:12px}
.asktitle{font:var(--x-dw) 1.05rem/1.3 var(--fd),sans-serif;color:var(--ink);margin:0 0 4px}.asknote{font-size:.9rem;color:var(--muted);margin:0 0 12px}
.asklist{list-style:none;padding:0;margin:12px 0 0;display:grid;grid-template-columns:1fr 1fr;gap:12px 18px}
.asklist li{display:flex;align-items:center;gap:14px;margin:0;font-weight:var(--x-bw);font-size:.97rem;line-height:1.35;color:var(--ink)}
.asklist small{display:block;font:var(--x-bw) .74rem/1.2 var(--fb),sans-serif;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);margin-bottom:2px}
.asklist .cic{width:46px;height:46px;border-radius:12px;background:var(--brand-tint)}.asklist .cic .ic{width:23px;height:23px}
.f4feats{list-style:none;margin:30px 0 0;padding:26px 0 0;border-top:1px solid var(--line);display:grid;gap:20px}.f4feats li{display:flex;gap:16px;margin:0}
.f4feats b{display:block;font:var(--x-dw) 1.04rem/1.3 var(--fd),sans-serif;color:var(--ink);margin:2px 0 4px}.f4feats p{margin:0 0 6px;color:var(--muted);font-size:.95rem;line-height:1.55}
.f4feats .lnk{font-size:.94rem}.dk .f4feats{border-color:var(--dark-card-h)}.dk .f4feats b{color:var(--on-dark)}.dk .f4feats p{color:var(--on-dark-muted)}
/* a: dark band behind the text row; the form card overlaps its lower edge and continues on the page ground */
.f4hero.va .f4txt{position:relative;padding-bottom:64px}
.f4hero.va .f4txt::before{content:"";position:absolute;z-index:-1;top:calc(-56px - var(--hdr-o,0px) - 2px);bottom:0;left:-100vw;right:-100vw;background:var(--dark)}
.f4hero.va .f4ask-w{padding:40px 0 56px}
.motif-rings .f4hero.va .f4txt::after{content:"";position:absolute;z-index:-1;width:1100px;height:1100px;border-radius:50%;left:62%;top:-640px;background:var(--x-ring)}
.motif-wave-edge .f4hero.va .f4txt::before{-webkit-mask:var(--x-wave) bottom/100% 56px no-repeat,linear-gradient(#000 0 0) top/100% calc(100% - 55px) no-repeat;
 mask:var(--x-wave) bottom/100% 56px no-repeat,linear-gradient(#000 0 0) top/100% calc(100% - 55px) no-repeat}
/* b: light ground, call box, sticky text column */
.f4hero.vb{background:var(--surface);padding-bottom:88px}.f4hero.vb .f4l{position:sticky;top:110px}
.f4hero.vb .lead{color:var(--text)}.f4hero.vb .f4ask-w{margin-top:30px}.f4hero.vb .asklist li{background:var(--bg);border-radius:var(--x-rs);padding:12px 14px;font-size:.93rem}
.f4hero.vb .fcard .fh{background:var(--dark);padding:20px 30px;margin-bottom:14px}.f4hero.vb .fcard h2{color:var(--on-dark)}.f4hero.vb .fcard h2 em{color:var(--accent)}
.f4hero.vb .chip{color:var(--on-dark-muted)}.f4hero.vb .chip .ic{color:var(--accent)}
.motif-rings .f4hero.vb::before{content:"";position:absolute;z-index:-1;width:760px;height:760px;border-radius:50%;right:-260px;top:-300px;border:90px solid var(--brand-tint)}
.motif-wave-edge .f4hero.vb::after,.motif-wave-edge .f4hero.vc::after{content:"";position:absolute;left:0;right:0;bottom:-1px;height:64px;background:var(--bg);-webkit-mask:var(--x-wave) 0 0/100% 100% no-repeat;mask:var(--x-wave) 0 0/100% 100% no-repeat}
.callbox{display:flex;align-items:center;gap:16px;margin:24px 0 0;padding:16px 20px;background:var(--bg);border-left:5px solid var(--brand);border-radius:var(--x-rs);text-decoration:none;color:var(--ink);box-shadow:var(--sh);max-width:480px}
.callbox .cc{display:grid;place-items:center;width:52px;height:52px;border-radius:50%;background:var(--action);color:var(--on-action);flex:none}.callbox .cc .ic{width:24px;height:24px}
.callbox small{display:block;color:var(--muted);font-size:.9rem}.callbox b{display:block;font:var(--x-dw) 1.55rem/1.15 var(--fd),sans-serif;letter-spacing:-.02em}
.callbox .go{margin-left:auto;color:var(--x-brand-ink)}.callbox .go .ic{width:24px;height:24px}.callbox:hover{color:var(--ink)}.callbox:hover .go .ic{transform:translateX(3px)}
/* c: form card left, text right on a dark photo wash */
.f4hero.vc{background:var(--dark);padding-bottom:72px}.f4hero.vc .f4grid{grid-template-columns:minmax(0,.98fr) minmax(0,1.02fr);grid-template-areas:"form l"}
.f4hero.vc .f4l{position:sticky;top:110px}.f4hero.vc>.wash{position:absolute;inset:0;z-index:-2;width:100%;height:100%;object-fit:cover;object-position:70% 40%}
.f4hero.vc>.ill.r{left:auto;right:14px;bottom:14px}.f4hero.vc::before{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(100deg,var(--x-wash-1) 0%,var(--x-wash-2) 100%)}
.motif-rings .f4hero.vc .f4l::before{content:"";position:absolute;z-index:-1;width:620px;height:620px;border-radius:50%;right:-300px;top:-220px;border:70px solid var(--x-ring)}
.f4hero.vc .f4ask-w{margin-top:30px}.f4hero .f4l.dk,.f4hero .f4txt.dk{background:transparent}
.dk .asktitle{color:var(--on-dark)}.dk .asknote,.dk .asklist small{color:var(--on-dark-muted)}.dk .asklist li{color:var(--on-dark)}
.dk .asklist .cic,.dk .cic{background:var(--x-dk-pill);color:var(--accent)}
/* inner hero: band + compact call card */
.f4ph{padding:calc(var(--hdr-o,0px) + 40px) 0 56px;position:relative;overflow:hidden;isolation:isolate}.f4ph.lt{background:var(--surface)}.f4ph.dkbg{background:var(--dark)}.f4ph .dk{background:transparent}
.f4ph .wrap{display:grid;grid-template-columns:minmax(0,1fr) 360px;gap:56px;align-items:center}.f4ph.solo .wrap{grid-template-columns:minmax(0,1fr)}
.f4ph h1{font-size:clamp(2rem,3.6vw,3rem)}.f4ph .lead{font-size:1.08rem;max-width:44em;margin:0}
.motif-rings .f4ph.dkbg::after{content:"";position:absolute;z-index:-1;width:720px;height:720px;border-radius:50%;right:-240px;top:-380px;background:var(--x-ring)}
.qcard{background:var(--bg);color:var(--text);border-radius:var(--r);padding:26px;box-shadow:var(--sh);border:1px solid var(--line)}
.qcard p{margin:0 0 4px;color:var(--muted);font-size:.95rem}.qcard .ph{display:block;font:var(--x-dw) 1.5rem/1.2 var(--fd),sans-serif;color:var(--ink);text-decoration:none;margin:2px 0 16px}
.qcard .btn{width:100%;margin-top:10px}.qcard .broker{font-size:.8rem}
/* products, steps */
.f4more{margin-top:28px}
.f4steps .s3,.f4steps .s4,.f4steps .s6,.f4steps .s12{padding-top:68px}
.f4steps>li::before{content:counter(s);position:absolute;top:0;left:0;width:52px;height:52px;border-radius:50%;background:var(--brand);color:var(--x-on-brand);display:grid;place-items:center;font:var(--x-dw) 1.25rem/1 var(--fd),sans-serif}
.f4steps.one>li:not(:last-child)::after{content:"";position:absolute;top:25px;left:68px;right:-14px;height:2px;background:repeating-linear-gradient(90deg,var(--x-dash) 0 8px,transparent 8px 14px)}
/* office */
.ofc{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,.9fr);border-radius:var(--r);overflow:hidden;box-shadow:var(--sh);border:1px solid var(--line);background:var(--bg)}
.ofc .l{padding:clamp(28px,4vw,52px)}.ofc .l>p{color:var(--muted);max-width:32em}
.ofc .r{padding:clamp(28px,4vw,52px);display:flex;flex-direction:column;justify-content:center;gap:16px;position:relative;overflow:hidden;isolation:isolate}
.motif-rings .ofc .r::after{content:"";position:absolute;z-index:-1;width:340px;height:340px;border-radius:50%;right:-140px;bottom:-160px;border:44px solid var(--x-ring)}
.ofc .r b{font:var(--x-dw) 1.6rem/1.25 var(--fd),sans-serif;color:var(--on-dark);letter-spacing:-.02em}
.ofc dl{margin:22px 0 0;display:grid;grid-template-columns:auto 1fr;gap:12px 22px}.ofc dt{color:var(--muted);font-weight:var(--x-bw)}.ofc dd{margin:0;color:var(--ink);font-weight:var(--x-bw)}
.ofrow{display:grid;grid-template-columns:minmax(0,.85fr) minmax(0,2.15fr);gap:48px;align-items:start}.ofrow>div>p{color:var(--muted)}
.ofrow .card .lab{font:var(--x-bw) .74rem/1 var(--fb),sans-serif;letter-spacing:.12em;text-transform:uppercase;color:var(--x-brand-ink)}
.ofrow .card b{display:block;font:var(--x-dw) 1.14rem/1.3 var(--fd),sans-serif;color:var(--ink);margin:8px 0 10px}.ofrow .card .lnk{margin-top:auto}
/* broker */
.bk{display:grid;grid-template-columns:minmax(0,.82fr) minmax(0,1.18fr);gap:64px;align-items:center}.bk.noimg{grid-template-columns:minmax(0,.9fr) minmax(0,1.1fr);align-items:start}
.bk .pic{position:relative;isolation:isolate}.bk .pic img{width:100%;aspect-ratio:4/5;object-fit:cover;object-position:55% 40%}
.img-img-round .bk .pic img{border-radius:32px}.img-img-arch .bk .pic img{border-radius:999px 999px var(--r) var(--r)}
.img-img-arch .bk .pic::before{content:"";position:absolute;z-index:-1;width:44%;aspect-ratio:1;border-radius:50%;background:var(--accent);left:-26px;bottom:44px}
.img-img-round .bk .pic{margin-right:16px}.img-img-round .bk .pic::before{content:"";position:absolute;z-index:-1;inset:20px -16px -16px 20px;border-radius:32px;background:var(--brand-tint)}
.dd{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-top:22px}.dd .card{padding:22px}.dd b{font:var(--x-dw) 1.06rem/1.3 var(--fd),sans-serif;color:var(--ink)}.dd p{font-size:.94rem}
@media (max-width:1000px){.f4grid,.f4hero.vc .f4grid{grid-template-columns:minmax(0,1fr);grid-template-areas:"txt" "form" "ask";row-gap:24px}.f4l{display:contents}
.f4txt{grid-area:txt}.f4ask-w{grid-area:ask}.f4hero.va .f4txt{padding-bottom:84px}.f4hero.va .f4form{margin-top:-84px}.f4hero.va .f4ask-w{padding:8px 0 48px}
.f4hero.vb,.f4hero.vc{padding-bottom:56px}.f4ph .wrap{grid-template-columns:minmax(0,1fr);gap:28px}.ofc,.ofrow,.bk,.bk.noimg{grid-template-columns:minmax(0,1fr)}.bk{gap:32px}.bk .pic{max-width:340px}
.f4steps.one>li::after{display:none}}
@media (max-width:860px){.f4hero{padding-top:calc(var(--hdr-o,0px) + 28px)}.f4hero h1{font-size:2.05rem}.f4hero .lead{font-size:1.02rem}.f4hero .ctas .btn{width:100%}
.fcard .fh{padding:20px 18px 0;flex-wrap:wrap}.f4hero.vb .fcard .fh{padding:16px 18px}.fcard .fb{padding:10px 12px 18px}.fsub{padding:0 6px}.asklist{grid-template-columns:1fr}
.callbox{margin-top:18px;padding:14px}.callbox b{font-size:1.3rem}.f4steps .s3,.f4steps .s4,.f4steps .s6,.f4steps .s12{padding:0 0 0 70px;min-height:52px}.dd{grid-template-columns:1fr}
.ofc dl{grid-template-columns:1fr;gap:2px}.ofc dd{margin-bottom:10px}}