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@font-face{font-family:'DM Sans';src:url('/assets/fonts/dm-sans-400.ttf') format('truetype');font-style:normal;font-weight:400;font-display:swap}
@font-face{font-family:'DM Sans';src:url('/assets/fonts/dm-sans-500.ttf') format('truetype');font-style:normal;font-weight:500;font-display:swap}
@font-face{font-family:'DM Sans';src:url('/assets/fonts/dm-sans-600.ttf') format('truetype');font-style:normal;font-weight:600;font-display:swap}
:root{--navy:#1a2455;--gold:#dcc98e;--paper:#f7f4ee;--limestone:#ede8dd;--white:#fff;--ink:#293044;--muted:#58606b;--line:#d6d0c5;--sans:'DM Sans',Arial,sans-serif;--serif:'DM Serif Display',Georgia,serif;--gutter:clamp(22px,4.8vw,76px)}
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.services-heading{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,.8fr);align-items:end;gap:90px;margin-bottom:62px}.services-heading h2{max-width:16ch;margin-bottom:0}.services-heading p:last-child{margin-bottom:0}.feature-service{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:70px;align-items:center;padding-bottom:64px;border-bottom:1px solid var(--line)}.feature-service figure{margin:0;background:var(--limestone);padding:26px}.feature-service img{width:100%;aspect-ratio:3/2;object-fit:cover}.feature-service h3{font-family:var(--serif);font-size:3rem;font-weight:400;letter-spacing:-.025em}.feature-service .service-number{margin-bottom:18px}.service-number{color:#75623b;font-size:.75rem;letter-spacing:.12em;font-weight:500}.service-index{margin-top:10px}.index-item{display:grid;grid-template-columns:52px minmax(0,.85fr) minmax(0,1.15fr);gap:24px;align-items:start;padding-block:35px;border-bottom:1px solid var(--line)}.index-item .service-number{margin-top:6px}.index-item h3{font-family:var(--serif);font-size:clamp(1.8rem,2.7vw,2.5rem);font-weight:400;max-width:16ch;letter-spacing:-.02em}.index-copy{max-width:54ch}.index-copy p{margin-bottom:10px;color:var(--muted)}.adviser-band{background:var(--limestone)}.adviser-layout{display:grid;grid-template-columns:minmax(0,.85fr) minmax(0,1.15fr);gap:95px;align-items:center}.portrait-mount{position:relative;display:flex;flex-direction:column;align-items:center;margin:0;padding:34px 35px 28px;border:1px solid #c9c0af;background:#e4dfd4}.portrait-mount img{width:270px;max-width:100%;aspect-ratio:341/460;object-fit:cover;object-position:center 18%}.portrait-mount figcaption{width:270px;max-width:100%;padding-top:21px;font-size:.88rem;line-height:1.65;color:var(--navy)}.portrait-mount figcaption span{display:block;font-size:.73rem;color:var(--muted);margin-top:5px;letter-spacing:.06em}.adviser-copy h2{max-width:17ch}.adviser-copy .lead{color:var(--navy)}.adviser-copy .small{margin-top:24px}.process-heading{display:grid;grid-template-columns:minmax(0,.65fr) minmax(0,1.35fr);gap:55px;margin-bottom:52px;align-items:start}.process-heading h2{max-width:23ch;margin-bottom:0}.steps{list-style:none;margin:0;padding:0;counter-reset:step}.steps li{counter-increment:step;position:relative;border-top:1px solid #ffffff4d;padding:27px 0 28px 56px;margin-bottom:0}.steps li:before{content:'0' counter(step);position:absolute;left:0;top:28px;color:var(--gold);font-size:.85rem;letter-spacing:.08em}.steps h3{font-family:var(--serif);font-size:1.8rem;font-weight:400}.steps p{font-size:.96rem;margin-bottom:0}.process-section .steps{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:45px}.process-section .steps li{padding:65px 0 0}.process-section .steps li:before{top:20px}.quote-section{background:#f1ede4}.quote-section .wrap{max-width:1040px}.quote{margin-inline:0;max-width:100%}.quote blockquote{font-family:var(--serif);font-weight:400;font-size:clamp(1.7rem,3vw,2.8rem);line-height:1.48;letter-spacing:-.012em;color:var(--navy);margin-inline:0;margin-bottom:28px}.quote figcaption{font-size:.83rem;color:var(--muted)}.quote-mark{font-family:var(--serif);font-size:4.8rem;color:#8b7849;line-height:.75;margin-bottom:23px}.quote-section .actions{margin-top:23px}.faq-layout{display:grid;grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr);gap:75px}.faq-layout .section-head{max-width:350px}.faq{max-width:850px;min-width:0}.faq h2{font-size:clamp(1.9rem,2.8vw,2.8rem)}.faq details{border-top:1px solid var(--line);padding-block:21px}.faq details:last-child{border-bottom:1px solid var(--line)}.faq summary{cursor:pointer;color:var(--navy);font-size:1rem;font-weight:500;line-height:1.6;padding:5px 15px 5px 0;min-height:44px}.faq details p{font-size:.96rem;color:var(--muted);margin:18px 0 0}.cta{width:100%;max-width:none;margin:0;padding:68px var(--gutter);display:flex;justify-content:space-between;align-items:center;gap:45px;background:var(--navy);color:white;border-top:1px solid #ffffff33}.cta>div{min-width:0;max-width:850px}.cta h2{font-size:clamp(2.2rem,4vw,3.8rem);color:white;max-width:25ch;margin-bottom:16px}.cta p{margin:0;color:#e2e5ee}.cta .button{flex-shrink:0;background:var(--gold);border-color:var(--gold);color:var(--navy)}.cta .button:hover{background:#eadfb8}.closing{background:var(--navy)}.closing .cta{max-width:1248px;width:calc(100% - var(--gutter)*2);padding-inline:0;border:0}.risk{padding:19px 24px;border-left:2px solid #998049;background:#eee9de;color:#303748;font-size:.91rem;line-height:1.8;margin-block:30px}.risk p:last-child{margin-bottom:0}.risk-list{padding-block:38px}.risk-list .risk{margin:0}.risk-ribbon{background:var(--navy);color:#f2f0e8;border-top:1px solid #ffffff33}.risk-ribbon p{font-size:.88rem;line-height:1.7;margin:0;padding-block:20px}.risk-ribbon p:before{content:'';display:inline-block;width:24px;height:1px;background:var(--gold);vertical-align:middle;margin-right:16px}
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.insurance-opening{padding-block:42px 65px;background:var(--limestone)}.insurance-opening h1{max-width:18ch}.insurance-opening .lead{max-width:550px;margin-left:auto}.insurance-body{padding-block:85px}.insurance-lead{display:grid;grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr);gap:80px;margin-bottom:70px}.insurance-lead h2{max-width:16ch}.insurance-chapter{display:grid;grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr);gap:80px;border-top:1px solid var(--line);padding-block:48px}.insurance-chapter h2{font-size:clamp(2.15rem,3.4vw,3.3rem);max-width:17ch}.insurance-chapter h3{font-family:var(--serif);font-size:1.8rem;font-weight:400;margin-top:30px}.coverage-list{list-style:none;padding:0}.coverage-list li{position:relative;padding:10px 0 10px 25px;border-bottom:1px solid var(--line);font-size:.96rem;margin:0}.coverage-list li:before{content:'';width:8px;height:1px;background:#8c7745;position:absolute;left:0;top:24px}
.legal{max-width:840px;padding-block:60px 90px}.legal h1{font-size:clamp(2.55rem,5vw,4rem);max-width:none;margin-bottom:35px}.legal h2{font-family:var(--sans);font-size:1.16rem;font-weight:600;letter-spacing:0;line-height:1.55;text-wrap:initial;margin-top:40px;padding-top:24px;border-top:1px solid var(--line)}.legal h3{font-size:1.06rem;font-weight:600;line-height:1.5;margin-top:28px}.legal p,.legal li{font-size:.98rem;line-height:1.85}.legal a{overflow-wrap:anywhere}.draft-note{padding:22px 25px;background:var(--limestone);border-left:2px solid #998049;font-size:.92rem;line-height:1.8;margin-bottom:35px}.legal .source-list{list-style:none}.legal .source-list>li{text-indent:-.75em}.legal-nav{display:flex;flex-wrap:wrap;gap:10px 25px;font-size:.86rem;margin-bottom:32px}.legal-nav a{display:inline-block;padding-block:8px;min-height:44px}.identity-list{display:grid;grid-template-columns:180px minmax(0,1fr);gap:19px 30px}.identity-list dt{font-weight:500}.identity-list dd{margin:0}.not-found{min-height:65vh}.not-found h1{max-width:19ch}
.site-footer{background:var(--navy);color:#e4e6ed;border-top:1px solid #ffffff26;padding:65px 0 38px;font-size:.88rem}.footer-grid{display:grid;grid-template-columns:minmax(0,1.25fr) minmax(0,1fr) minmax(0,1fr);gap:65px;margin-bottom:45px}.site-footer h2{font-family:var(--serif);font-size:2rem;color:#fff;margin-bottom:20px}.site-footer h3{color:var(--gold);font-family:var(--sans);font-size:.68rem;font-weight:500;text-transform:uppercase;letter-spacing:.16em;margin-bottom:23px}.site-footer a{color:#f7f6f1;overflow-wrap:anywhere}.site-footer ul{padding:0;list-style:none;margin:0}.site-footer li{margin-bottom:9px}.site-footer .disclosures{border-top:1px solid #ffffff3d;padding-top:28px;font-size:.78rem;line-height:1.85}.site-footer .disclosures p{max-width:1050px;margin-bottom:13px}.footer-legal{display:flex;flex-wrap:wrap;gap:9px 25px;font-size:.78rem;margin-top:22px}.footer-legal a{display:inline-block;padding-block:8px;min-height:40px}.copyright{font-size:.74rem;margin:19px 0 0}.contact-dock{position:static;display:flex;align-items:center;justify-content:center;gap:12px;width:100%;min-height:63px;padding:16px var(--gutter);margin:0;background:#151e49;color:var(--gold);border-top:1px solid #ffffff33;font-size:.86rem;text-decoration:none}.contact-dock:hover{background:#22305d}.contact-dock:focus-visible{outline-color:var(--gold);outline-offset:-5px}.contact-dock span{font-size:1.2rem}
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/* Keep disclosure and managed legal links on the same readable page grid. */
.site-footer{padding-inline:max(var(--gutter),calc((100% - 1248px)/2))}
.site-footer>.wrap{width:100%}
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.combined-detail-body .page-intro h3{grid-column:1/-1;font-family:var(--serif);font-size:clamp(1.7rem,3vw,2.6rem);max-width:24ch}
.combined-detail-body .section{padding-block:28px}
