:root{
  --white:#ffffff;
  --beige:#e6d7c0;
  --black:#11100e;
  --ink:#181714;
  --muted:#6d6a63;
  --gold:#b18a50;
  --line:rgba(17,16,14,.13);
  --font:"Avenir Next","Manrope","Helvetica Neue",Arial,sans-serif;
  --radius:16px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:92px}
body{margin:0;background:var(--white);color:var(--ink);font:400 16px/1.65 var(--font);-webkit-font-smoothing:antialiased;overflow-x:hidden}
img{display:block;max-width:100%}
a{color:inherit;text-decoration:none}
button,input,textarea{font:inherit}
button,a,summary{-webkit-tap-highlight-color:transparent}
a:focus-visible,button:focus-visible,summary:focus-visible,input:focus-visible,textarea:focus-visible{outline:3px solid var(--gold);outline-offset:3px}
h1,h2,h3,p{margin-top:0}
h1,h2,h3{font-style:normal}
h1,h2{font-weight:450;letter-spacing:-.052em;line-height:.98}
h2{font-size:clamp(3rem,5.7vw,6.3rem)}
h3{font-weight:500;letter-spacing:-.035em}
p{margin-bottom:0}
.wrap{width:min(100% - 80px,1360px);margin-inline:auto}
.section-space{padding:clamp(110px,12vw,190px) 0}
.skip-link{position:fixed;z-index:100;left:12px;top:-80px;background:var(--black);color:#fff;padding:12px 18px;border-radius:8px}.skip-link:focus{top:12px}

.site-header{position:sticky;top:0;z-index:30;background:rgba(255,255,255,.95);backdrop-filter:blur(20px);transition:box-shadow .25s}
body.is-scrolled .site-header{box-shadow:0 12px 35px rgba(17,16,14,.07)}
.header-inner{height:82px;display:flex;align-items:center;gap:32px}
.brand{display:flex;align-items:center;gap:11px;flex-shrink:0}.brand img{width:44px;height:44px;border-radius:50%;object-fit:cover}.brand>span{font-size:1.06rem;font-weight:700;line-height:.9;letter-spacing:.025em}.brand strong{color:#8a6835}.brand small{display:block;font-size:.45rem;letter-spacing:.39em;padding-top:7px;font-weight:700}
.desktop-nav{display:flex;gap:clamp(20px,2.5vw,40px);margin-left:auto}.desktop-nav a{font-size:.82rem;font-weight:600;color:#3d3b36;transition:color .2s}.desktop-nav a:hover{color:#8a6835}
.header-cta{margin-left:10px;min-height:48px;display:flex;align-items:center;gap:24px;background:var(--black);color:#fff;border-radius:7px;padding:12px 18px;font-size:.8rem;font-weight:700;transition:transform .2s,background .2s}.header-cta:hover{transform:translateY(-1px);background:#2b2924}
.mobile-nav{display:none}

.hero{position:relative;isolation:isolate;height:min(790px,calc(100svh - 82px));min-height:670px;overflow:hidden;background:var(--beige)}
.hero-image{position:absolute;z-index:-3;inset:0;width:100%;height:100%;object-fit:cover;object-position:center 53%}
.hero-shade{position:absolute;z-index:-2;inset:0;background:linear-gradient(90deg,rgba(230,215,192,.98) 0%,rgba(230,215,192,.9) 29%,rgba(230,215,192,.38) 51%,rgba(230,215,192,0) 70%),linear-gradient(0deg,rgba(17,16,14,.08),transparent 35%)}
.hero-inner{height:100%;display:flex;align-items:center}
.hero-copy{width:min(610px,48vw);padding-bottom:15px}
h1{font-size:clamp(4.2rem,6.7vw,7.45rem);margin-bottom:28px}
.hero-copy>p{max-width:560px;font-size:1.08rem;line-height:1.75;color:#4d4a44}
.hero-actions{display:flex;align-items:center;flex-wrap:wrap;gap:25px;margin-top:38px}
.button{min-height:57px;display:inline-flex;align-items:center;justify-content:space-between;gap:28px;padding:15px 22px;border:0;border-radius:7px;font-size:.83rem;font-weight:700;line-height:1.2;cursor:pointer;transition:transform .2s,background .2s,color .2s}.button:hover{transform:translateY(-2px)}
.button-dark{background:var(--black);color:#fff}.button-dark:hover{background:#2b2924}.button-light{background:#fff;color:var(--ink)}.button-light:hover{background:var(--beige)}
.quiet-link{font-size:.81rem;font-weight:700;padding-bottom:4px;box-shadow:inset 0 -1px 0 var(--gold)}
.hero-rating{display:flex;align-items:center;gap:10px;margin-top:32px;color:#4f4a42}.hero-rating>span{color:var(--gold);letter-spacing:.08em;font-size:.79rem}.hero-rating strong{font-size:.86rem}.hero-rating small{font-size:.72rem;color:#716c63}

.trust{background:#fff;padding:56px 0 74px}
.trust-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:0;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.trust-grid>div{min-width:0;min-height:172px;padding:30px clamp(22px,3vw,44px);display:flex;flex-direction:column;justify-content:center;gap:15px;position:relative}
.trust-grid>div:first-child{padding-left:0}.trust-grid>div:last-child{padding-right:0}
.trust-grid>div+div{border-left:1px solid var(--line)}
.trust strong{color:var(--black);font-size:clamp(2.65rem,3.8vw,4rem);font-weight:600;letter-spacing:-.065em;line-height:.86;white-space:nowrap}
.trust strong.place-name{font-size:clamp(2.1rem,3vw,3.2rem);letter-spacing:-.055em}
.trust span{max-width:220px;font-size:.94rem;font-weight:500;color:#4d4942;line-height:1.48}

.services{background:#fff;color:#fff}
.services.section-space{padding:clamp(28px,4vw,55px) 0 clamp(105px,12vw,175px)}
.services-stage{background:#191713;border:1px solid rgba(230,215,192,.22);border-radius:30px;padding:clamp(72px,7.5vw,118px);box-shadow:0 32px 90px rgba(17,16,14,.12);overflow:hidden}
.services-layout{display:grid;grid-template-columns:.82fr 1.18fr;gap:clamp(70px,9vw,145px);align-items:start}
.services-intro{position:sticky;top:140px}.services-intro h2{max-width:610px;margin:0 0 30px}.services-intro p{max-width:500px;color:#aaa69e;font-size:1.03rem;line-height:1.8}
.service-accordion{display:grid;gap:12px}
.service-item{background:rgba(230,215,192,.055);border:1px solid rgba(230,215,192,.18);border-radius:14px;overflow:hidden;backdrop-filter:blur(12px);transition:background .25s,color .25s,border-color .25s}
.service-item.is-open{background:rgba(230,215,192,.94);border-color:rgba(230,215,192,.94);color:var(--black)}
.service-item>button{width:100%;border:0;background:transparent;color:inherit;display:grid;grid-template-columns:46px 1fr 28px;align-items:center;gap:18px;text-align:left;padding:25px 26px;cursor:pointer}
.service-item button>span{width:40px;height:40px;display:grid;place-items:center;border:1px solid rgba(230,215,192,.24);border-radius:50%;background:rgba(230,215,192,.04);font-size:.69rem;font-weight:700}.service-item.is-open button>span{border-color:rgba(17,16,14,.12);background:rgba(17,16,14,.06)}
.service-item button>strong{font-size:clamp(1.2rem,1.8vw,1.65rem);font-weight:500;letter-spacing:-.025em}.service-item button>b{font-size:1.2rem;font-weight:400;justify-self:end}
.service-body{padding:0 28px 29px 90px}.service-body p{max-width:610px;line-height:1.75;color:#4e493f}.service-item:not(.is-open) .service-body p{color:#a7a39b}.service-body a{display:inline-block;margin-top:22px;font-size:.78rem;font-weight:700;color:#765727}.service-item:not(.is-open) .service-body a{color:var(--gold)}

.insurance-focus{background:var(--beige)}
.insurance-intro{margin-bottom:clamp(58px,7vw,94px)}
.insurance-intro h2{max-width:1050px;margin:0}
.insurance-intro>p{max-width:760px;margin-top:32px;color:#514b43;font-size:1.08rem;line-height:1.82}
.insurance-explorer{display:grid;grid-template-columns:minmax(320px,.78fr) minmax(0,1.22fr);min-height:640px;background:#fff;border:1px solid rgba(17,16,14,.14);border-radius:20px;overflow:hidden;box-shadow:0 28px 80px rgba(17,16,14,.09)}
.insurance-tabs{display:grid;align-content:start;gap:8px;padding:18px;background:rgba(17,16,14,.035);border-right:1px solid var(--line)}
.insurance-tab{width:100%;min-height:108px;padding:20px 18px;border:0;border-radius:12px;display:grid;grid-template-columns:42px 1fr 22px;align-items:center;gap:14px;background:transparent;color:var(--black);text-align:left;cursor:pointer;transition:background .22s,color .22s,transform .22s,box-shadow .22s}
.insurance-tab:hover{background:rgba(255,255,255,.68);transform:translateX(3px)}
.insurance-tab>span{width:37px;height:37px;display:grid;place-items:center;border:1px solid rgba(17,16,14,.16);border-radius:50%;font-size:.76rem;font-weight:700}
.insurance-tab>strong{font-size:1rem;font-weight:600;line-height:1.35;letter-spacing:-.015em}
.insurance-tab>b{justify-self:end;color:#806033;font-size:.92rem;font-weight:500}
.insurance-tab.is-active{background:var(--black);color:#fff;box-shadow:0 14px 32px rgba(17,16,14,.16)}
.insurance-tab.is-active>span{border-color:rgba(230,215,192,.5);color:var(--beige)}
.insurance-tab.is-active>b{color:var(--gold)}
.insurance-panels{display:grid;min-width:0}
.insurance-panel{align-self:stretch;padding:clamp(45px,5.3vw,78px);display:flex;flex-direction:column;justify-content:center;animation:panel-in .35s ease both}
.insurance-panel[hidden]{display:none}
.insurance-panel:focus-visible{outline:3px solid var(--gold);outline-offset:-6px}
.insurance-panel-lead{display:flex;align-items:center;gap:18px;margin-bottom:30px}
.insurance-icon{width:66px;height:66px;flex:0 0 auto;display:grid;place-items:center;border-radius:50%;background:var(--beige);color:var(--black)}
.insurance-icon svg{width:29px;height:29px;fill:none;stroke:currentColor;stroke-width:1.55;stroke-linecap:round;stroke-linejoin:round}
.insurance-panel-lead p{max-width:500px;color:#49453f;font-size:1.02rem;font-weight:600;line-height:1.5}
.insurance-panel h3{max-width:720px;margin:0 0 22px;font-size:clamp(2.25rem,3.7vw,3.9rem);font-weight:500;line-height:1.04;letter-spacing:-.05em}
.insurance-panel>p{max-width:690px;color:var(--muted);font-size:1rem;line-height:1.78}
.insurance-answers{margin-top:30px;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.insurance-answers p{padding:16px 0;color:#5a5650;font-size:.9rem;line-height:1.6}.insurance-answers p+p{border-top:1px solid var(--line)}.insurance-answers strong{color:var(--black);font-weight:650}
.insurance-panel>a{align-self:flex-start;margin-top:30px;padding-bottom:5px;box-shadow:inset 0 -1px 0 var(--gold);font-size:.8rem;font-weight:700}
@keyframes panel-in{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:none}}

.approach{background:#fff;overflow:hidden}
.approach-intro{margin-bottom:clamp(65px,8vw,110px)}
.approach-intro h2{max-width:1120px;margin:0}
.approach-intro p{max-width:690px;margin-top:32px;color:var(--muted);font-size:1.08rem;line-height:1.8}
.process-flow{display:grid;gap:18px;position:relative}
.process-card{position:relative;width:72%;min-height:205px;padding:40px clamp(105px,9vw,150px) 40px 38px;display:grid;grid-template-columns:76px 1fr;align-items:center;gap:28px;background:rgba(230,215,192,.2);border:1px solid var(--line);border-radius:18px;box-shadow:0 22px 60px rgba(17,16,14,.045)}
.process-card:nth-child(2){margin-left:14%;background:rgba(230,215,192,.35)}
.process-card:nth-child(3){margin-left:28%;background:rgba(230,215,192,.52)}
.process-card:nth-child(n+2)::before{content:"";position:absolute;left:35px;top:-19px;width:1px;height:19px;background:var(--gold)}
.process-icon{width:64px;height:64px;display:grid;place-items:center;border-radius:50%;background:var(--black);color:var(--beige);box-shadow:0 10px 28px rgba(17,16,14,.15)}
.process-icon svg{width:28px;height:28px;fill:none;stroke:currentColor;stroke-width:1.55;stroke-linecap:round;stroke-linejoin:round}
.process-card h3{max-width:560px;margin:0 0 11px;font-size:clamp(1.45rem,2.2vw,2.05rem);line-height:1.15}
.process-card p{max-width:590px;color:var(--muted);font-size:.95rem;line-height:1.72}
.process-number{position:absolute;right:28px;top:22px;color:rgba(17,16,14,.075);font-size:clamp(4rem,7vw,6.5rem);font-weight:500;letter-spacing:-.1em;line-height:.8}

.property{position:relative;isolation:isolate;min-height:760px;display:flex;align-items:flex-end;color:#fff;overflow:hidden;background:var(--black)}
.property>img{position:absolute;z-index:-3;inset:0;width:100%;height:100%;object-fit:cover;object-position:center 48%;transform:scale(1.02)}
.property-shade{position:absolute;z-index:-2;inset:0;background:linear-gradient(90deg,rgba(10,10,9,.82),rgba(10,10,9,.24) 62%,rgba(10,10,9,.03)),linear-gradient(0deg,rgba(10,10,9,.65),transparent 55%)}
.property-inner{padding-top:80px;padding-bottom:80px}.property-copy{max-width:780px}.property h2{font-size:clamp(3.4rem,5.7vw,6.2rem);margin:0 0 27px}.property-copy>p{max-width:640px;color:rgba(255,255,255,.78);font-size:1.04rem;line-height:1.8}.property .button{margin-top:34px}

.property-depth{background:#fff}
.property-depth-intro{display:grid;grid-template-columns:1.45fr .55fr;align-items:end;gap:clamp(44px,7vw,100px);margin-bottom:clamp(65px,8vw,110px)}
.property-depth-intro h2{max-width:870px;margin:0}
.property-depth-intro p{max-width:460px;color:var(--muted);font-size:1.04rem;line-height:1.8;padding-bottom:8px}
.property-story{display:grid;gap:clamp(75px,10vw,145px)}
.property-story-row{display:grid;grid-template-columns:1.05fr .95fr;align-items:center;gap:clamp(52px,8vw,120px)}
.property-story-row-reverse{grid-template-columns:.95fr 1.05fr}
.property-story-row-reverse .property-story-image{order:2}
.property-story-image{width:100%;aspect-ratio:1.17;overflow:hidden;background:var(--beige)}
.property-story-image img{width:100%;height:100%;object-fit:cover;transition:transform .55s ease}
.property-story-row:hover .property-story-image img{transform:scale(1.025)}
.property-story-copy{max-width:540px}
.property-story-copy h3{font-size:clamp(2.2rem,3.5vw,4rem);line-height:1.08;margin:0 0 26px;letter-spacing:-.048em}
.property-story-copy p{color:var(--muted);font-size:1.02rem;line-height:1.8}
.property-story-copy a{display:inline-block;margin-top:30px;padding-bottom:5px;box-shadow:inset 0 -1px 0 var(--gold);font-size:.83rem;font-weight:700}

.finance{background:var(--beige)}
.finance-heading{display:grid;grid-template-columns:1.3fr .7fr;gap:clamp(60px,9vw,130px);align-items:end;margin-bottom:75px}.finance-heading h2{max-width:900px;margin:0}.finance-heading p{max-width:490px;color:#5d554a;font-size:1.02rem;line-height:1.8;padding-bottom:8px}
.finance-panels{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.finance-panels article{min-height:440px;padding:34px;border:1px solid rgba(17,16,14,.13);border-radius:var(--radius);display:flex;flex-direction:column;justify-content:space-between;background:rgba(255,255,255,.76)}
.finance-panels article:nth-child(2){background:rgba(255,255,255,.36);color:var(--black)}
.finance-panels article>span{font-size:4.8rem;font-weight:500;letter-spacing:-.08em;line-height:.85;color:var(--gold)}
.finance-panels h3{font-size:clamp(2rem,3.2vw,3.4rem);margin:0 0 18px}.finance-panels p{max-width:480px;color:var(--muted);line-height:1.75}.finance-panels article:nth-child(2) p{color:var(--muted)}.finance-panels a{display:inline-block;margin-top:25px;font-size:.79rem;font-weight:700;color:#806033}.finance-panels article:nth-child(2) a{color:#806033}

.rating{background:#fff;padding:clamp(105px,12vw,180px) 0}
.rating-layout{display:grid;grid-template-columns:.75fr 1.25fr;gap:clamp(70px,12vw,180px);align-items:center}
.rating-score{display:flex;flex-direction:column}.rating-score strong{font-size:clamp(7.5rem,15vw,14rem);font-weight:500;letter-spacing:-.1em;line-height:.72}.rating-score span{color:var(--gold);font-size:clamp(1rem,2vw,1.45rem);letter-spacing:.14em;margin-top:33px}
.rating h2{font-size:clamp(3rem,5vw,5.3rem);margin:0 0 27px;max-width:760px}.rating-layout>div:last-child>p{max-width:620px;color:var(--muted);font-size:1.02rem;line-height:1.8}.rating-layout a{display:inline-block;margin-top:30px;font-size:.8rem;font-weight:700;box-shadow:inset 0 -1px 0 var(--gold);padding-bottom:5px}

.about{display:grid;grid-template-columns:1.08fr .92fr;min-height:790px;background:#fff}
.about-media{min-height:660px;overflow:hidden}.about-media img{width:100%;height:100%;object-fit:cover;object-position:center 24%}
.about-copy{padding:clamp(75px,9vw,145px);display:flex;flex-direction:column;justify-content:center}.about h2{font-size:clamp(3.2rem,5.3vw,5.8rem);margin:0 0 32px;max-width:700px}.about-copy>p{max-width:610px;color:var(--muted);line-height:1.8;font-size:1.01rem;margin-bottom:18px}.about-signature{display:flex;flex-direction:column;gap:4px;margin-top:35px}.about-signature strong{font-size:1rem;font-weight:600}.about-signature span{font-size:.76rem;color:var(--muted)}

.contact{background:#fff;color:var(--black);border-top:1px solid var(--line)}
.contact-layout{display:grid;grid-template-columns:.82fr 1.18fr;gap:clamp(70px,11vw,170px);align-items:start}
.contact-copy{position:sticky;top:140px}.contact h2{font-size:clamp(3.2rem,5.3vw,5.8rem);margin:0 0 29px;max-width:680px}.contact-copy>p{max-width:510px;color:var(--muted);font-size:1rem;line-height:1.8}
.contact-direct{display:grid;gap:9px;margin-top:42px}.contact-direct a{display:flex;flex-direction:column;gap:3px;padding:18px 20px;border:1px solid var(--line);border-radius:10px;background:rgba(230,215,192,.16);transition:background .2s,transform .2s}.contact-direct a:hover{background:rgba(230,215,192,.38);transform:translateX(4px)}.contact-direct span{font-size:.66rem;color:var(--muted)}.contact-direct strong{font-size:.98rem;font-weight:500;overflow-wrap:anywhere}
.contact-form{background:var(--beige);color:var(--black);border:1px solid rgba(17,16,14,.12);border-radius:var(--radius);padding:clamp(27px,4vw,52px);min-height:500px;display:flex;align-items:stretch;box-shadow:0 26px 75px rgba(17,16,14,.08)}
.form-step{width:100%}.form-step.is-active{display:flex;flex-direction:column}.form-progress{display:flex;justify-content:space-between;align-items:center;gap:20px;margin-bottom:34px}.form-progress>span,.form-progress>button{font-size:.72rem;color:#685f52;background:transparent;border:0;padding:0;cursor:pointer}.form-progress>strong{font-size:1.25rem;font-weight:600;letter-spacing:-.02em}
.form-progress{padding-bottom:23px;border-bottom:1px solid rgba(17,16,14,.14)}
.topic-options{display:grid;gap:10px}.topic-options button{border:1px solid rgba(17,16,14,.14);background:rgba(17,16,14,.035);color:var(--black);min-height:76px;padding:18px 21px;border-radius:10px;display:flex;align-items:center;justify-content:space-between;text-align:left;font-size:1rem;font-weight:600;cursor:pointer;transition:transform .2s,background .2s,color .2s}.topic-options button:hover{transform:translateX(4px);background:var(--black);color:#fff}.topic-options span{color:var(--gold)}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:13px}.form-step[data-step="2"]{gap:18px}.contact-form label{display:grid;gap:7px;font-size:.75rem;font-weight:700;color:#4e493f}.contact-form input,.contact-form textarea{width:100%;border:1px solid rgba(17,16,14,.13);border-radius:8px;background:rgba(255,255,255,.72);color:var(--black);padding:14px 15px;font-size:.94rem;outline:none;box-shadow:inset 0 0 0 2px transparent;transition:box-shadow .2s,background .2s}.contact-form input:focus,.contact-form textarea:focus{background:#fff;box-shadow:inset 0 0 0 2px var(--gold)}.contact-form textarea{resize:vertical}
.consent{display:flex!important;align-items:flex-start;gap:10px!important;font-weight:400!important;line-height:1.45}.consent input{width:17px;height:17px;margin-top:2px;padding:0;border:0;background:transparent;box-shadow:none;accent-color:var(--gold)}.contact-form .button{width:100%;margin-top:2px}.form-note{font-size:.69rem;color:#6a6257;text-align:center}

.footer{background:#fff;color:var(--black);padding-top:70px;border-top:1px solid var(--line)}.footer-main{display:grid;grid-template-columns:2fr 1fr 1fr;gap:50px;padding-bottom:62px}.footer-brand>strong{font-size:1.26rem;letter-spacing:.04em}.footer-brand>strong span{color:var(--gold)}.footer-brand>small{display:block;font-size:.5rem;letter-spacing:.38em;margin-top:4px}.footer-brand p{color:var(--muted);font-size:.8rem;max-width:310px;margin-top:18px}.footer nav{display:flex;flex-direction:column;gap:12px}.footer nav a{font-size:.8rem;color:#4f4c46;transition:color .2s}.footer nav a:hover{color:#806033}.footer-bottom{display:flex;justify-content:space-between;padding:22px 0 25px;border-top:1px solid var(--line);color:#77736c;font-size:.68rem}.footer-bottom a{color:#4f4c46}
.mobile-contact{display:none}
.reveal{opacity:0;transform:translateY(24px);transition:opacity .75s ease,transform .75s cubic-bezier(.22,.7,.18,1)}.reveal.is-visible{opacity:1;transform:none}

@media(max-width:1050px){
  .desktop-nav{gap:18px}.header-inner{gap:18px}.header-cta{gap:14px}
  .hero-copy{width:min(570px,54vw)}h1{font-size:clamp(3.9rem,6.7vw,6rem)}
  .services-layout,.contact-layout{gap:70px}.finance-heading{gap:60px}.services-stage{padding-inline:62px}
  .insurance-explorer{grid-template-columns:minmax(290px,.72fr) minmax(0,1.28fr)}.insurance-panel{padding:48px}
  .process-card{width:80%}.process-card:nth-child(2){margin-left:10%}.process-card:nth-child(3){margin-left:20%}
  .about-copy{padding-left:58px;padding-right:48px}
}
@media(max-width:850px){
  .wrap{width:min(100% - 48px,1360px)}.desktop-nav,.header-cta{display:none}.header-inner{height:74px}
  .mobile-nav{display:block;margin-left:auto;position:relative}.mobile-nav summary{list-style:none;width:44px;height:44px;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:6px;cursor:pointer}.mobile-nav summary::-webkit-details-marker{display:none}.mobile-nav summary span{width:25px;height:2px;background:var(--black);transition:transform .2s}.mobile-nav[open] summary span:first-child{transform:translateY(4px) rotate(45deg)}.mobile-nav[open] summary span:last-child{transform:translateY(-4px) rotate(-45deg)}.mobile-nav nav{position:absolute;right:-24px;top:59px;width:min(340px,100vw);background:#fff;padding:15px 24px;border-radius:0 0 0 14px;box-shadow:0 20px 50px rgba(17,16,14,.14);display:flex;flex-direction:column}.mobile-nav nav a{padding:13px 4px;font-size:.87rem;font-weight:600}.mobile-nav nav a:last-child{color:#806033}
  .hero{height:min(760px,calc(100svh - 74px));min-height:650px}.hero-copy{width:min(540px,67vw)}.hero-shade{background:linear-gradient(90deg,rgba(230,215,192,.98),rgba(230,215,192,.72) 48%,rgba(230,215,192,.08) 85%)}
  .trust{padding:40px 0 66px}.trust-grid{grid-template-columns:1fr 1fr;gap:0}.trust-grid>div{min-height:156px;padding:25px 28px}.trust-grid>div:first-child,.trust-grid>div:nth-child(3){padding-left:0}.trust-grid>div+div{border-left:0}.trust-grid>div:nth-child(even){border-left:1px solid var(--line)}.trust-grid>div:nth-child(n+3){border-top:1px solid var(--line)}.trust strong{font-size:3rem}.trust strong.place-name{font-size:2.5rem}.trust span{font-size:.9rem}
  .services-stage{padding:72px 48px}.services-layout,.contact-layout{grid-template-columns:1fr}.services-intro,.contact-copy{position:static}.services-layout{gap:55px}.services-intro p{max-width:640px}
  .insurance-explorer{grid-template-columns:1fr;min-height:0}.insurance-tabs{grid-template-columns:1fr 1fr;padding:14px;border-right:0;border-bottom:1px solid var(--line)}.insurance-tab{min-height:90px}.insurance-panel{min-height:570px;padding:52px}
  .finance-heading{grid-template-columns:1fr;gap:25px}.finance-heading p{padding:0;max-width:640px}
  .approach-intro{margin-bottom:65px}.process-card{width:88%;padding-right:105px}.process-card:nth-child(2){margin-left:6%}.process-card:nth-child(3){margin-left:12%}
  .finance-panels{grid-template-columns:1fr 1fr}.finance-panels article{min-height:390px;padding:28px}
  .rating-layout{grid-template-columns:.7fr 1.3fr;gap:60px}
  .property-depth-intro{grid-template-columns:1fr;gap:24px}.property-depth-intro p{padding:0;max-width:680px}.property-story-row{gap:38px}.property-story-copy h3{font-size:clamp(2rem,3.8vw,3rem)}
  .about{grid-template-columns:1fr}.about-media{height:650px}.about-copy{padding:90px 48px}
  .contact-layout{gap:55px}.contact-direct{grid-template-columns:1fr 1fr}.contact-form{min-height:470px}
}
@media(max-width:620px){
  html{scroll-padding-top:76px}.wrap{width:min(100% - 36px,1360px)}.section-space{padding:90px 0}.header-inner{height:70px}.brand img{width:42px;height:42px}.brand>span{font-size:.98rem}.mobile-nav nav{right:-18px;top:57px}
  .hero{height:calc(100svh - 70px);min-height:620px;max-height:760px;display:flex;align-items:flex-end}.hero-image{object-position:68% center}.hero-shade{background:linear-gradient(0deg,rgba(230,215,192,.99) 0%,rgba(230,215,192,.94) 39%,rgba(230,215,192,.18) 70%,rgba(230,215,192,0) 86%)}.hero-inner{height:auto;padding-bottom:30px}.hero-copy{width:100%}h1{font-size:clamp(2.8rem,12vw,4.1rem);margin-bottom:16px}.hero-copy>p{font-size:.91rem;line-height:1.55;max-width:510px}.hero-actions{margin-top:22px;gap:17px}.button{min-height:51px;padding:13px 17px;font-size:.76rem;gap:17px}.hero-rating{margin-top:18px}.hero-rating>span{font-size:.68rem}.hero-rating strong{font-size:.78rem}.hero-rating small{font-size:.65rem}
  .trust{padding:28px 0 52px}.trust-grid>div{min-height:144px;padding:22px 16px}.trust-grid>div:first-child,.trust-grid>div:nth-child(3){padding-left:0}.trust-grid>div:nth-child(2),.trust-grid>div:nth-child(4){padding-right:0}.trust strong{font-size:2.45rem}.trust strong.place-name{font-size:1.95rem}.trust span{margin-top:0;font-size:.82rem;line-height:1.4}
  .services.section-space{padding:18px 0 90px}.services-stage{width:calc(100% - 20px);padding:64px 16px;border-radius:22px}.services-intro h2,.insurance-focus h2,.approach h2,.finance h2,.rating h2,.about h2,.contact h2{font-size:clamp(2.75rem,10.7vw,4rem)}.services-intro h2{margin-bottom:22px}.services-intro p{font-size:.94rem;line-height:1.7}.service-item>button{grid-template-columns:39px 1fr 20px;gap:13px;padding:20px 18px}.service-item button>span{width:36px;height:36px}.service-item button>strong{font-size:1.07rem}.service-body{padding:0 19px 23px 70px}.service-body p{font-size:.87rem;line-height:1.65}.service-body a{font-size:.72rem}
  .insurance-intro{margin-bottom:43px}.insurance-intro>p{margin-top:23px;font-size:.94rem;line-height:1.7}.insurance-explorer{border-radius:16px}.insurance-tabs{gap:6px;padding:8px}.insurance-tab{min-height:88px;padding:13px 10px;grid-template-columns:31px 1fr;gap:9px;border-radius:10px}.insurance-tab:hover{transform:none}.insurance-tab>span{width:29px;height:29px;font-size:.67rem}.insurance-tab>strong{font-size:.83rem;line-height:1.3}.insurance-tab>b{display:none}.insurance-panel{min-height:0;padding:34px 20px 38px}.insurance-panel-lead{align-items:flex-start;gap:13px;margin-bottom:24px}.insurance-icon{width:53px;height:53px}.insurance-icon svg{width:24px;height:24px}.insurance-panel-lead p{font-size:.9rem;line-height:1.45}.insurance-panel h3{font-size:2.05rem;line-height:1.08;margin-bottom:18px}.insurance-panel>p{font-size:.9rem;line-height:1.68}.insurance-answers{margin-top:24px}.insurance-answers p{padding:14px 0;font-size:.83rem;line-height:1.55}.insurance-panel>a{margin-top:25px;font-size:.74rem}
  .approach-intro{margin-bottom:50px}.approach-intro p,.finance-heading p{font-size:.94rem;line-height:1.7}.approach-intro p{margin-top:22px}.process-flow{gap:13px}.process-card,.process-card:nth-child(2),.process-card:nth-child(3){width:100%;min-height:0;margin-left:0;padding:25px 22px;grid-template-columns:52px 1fr;gap:15px;border-radius:14px}.process-card:nth-child(n+2)::before{left:25px;top:-14px;height:14px}.process-icon{width:50px;height:50px}.process-icon svg{width:23px;height:23px}.process-card h3{padding-right:34px;font-size:1.25rem;margin-bottom:8px}.process-card p{font-size:.86rem;line-height:1.6}.process-number{right:17px;top:17px;font-size:3.1rem}
  .property{min-height:650px}.property>img{object-position:58% center}.property-shade{background:linear-gradient(0deg,rgba(10,10,9,.88),rgba(10,10,9,.3) 68%,rgba(10,10,9,.05))}.property-inner{padding-top:70px;padding-bottom:62px}.property h2{font-size:clamp(2.9rem,10.8vw,4.2rem);margin-bottom:20px}.property-copy>p{font-size:.91rem;line-height:1.65}.property .button{margin-top:27px;width:100%}
  .property-depth-intro{margin-bottom:48px}.property-depth-intro h2{font-size:clamp(2.75rem,10.7vw,4rem)}.property-depth-intro p{font-size:.94rem;line-height:1.7}.property-story{gap:72px}.property-story-row,.property-story-row-reverse{grid-template-columns:1fr;gap:30px}.property-story-row-reverse .property-story-image{order:0}.property-story-image{aspect-ratio:1.22}.property-story-copy h3{font-size:2.2rem;margin-bottom:16px}.property-story-copy p{font-size:.94rem;line-height:1.7}.property-story-copy a{margin-top:23px}
  .finance-heading{margin-bottom:50px}.finance-panels{grid-template-columns:1fr;gap:11px}.finance-panels article{min-height:330px;padding:25px}.finance-panels article>span{font-size:4rem}.finance-panels h3{font-size:2.2rem}.finance-panels p{font-size:.89rem}.finance-panels a{font-size:.72rem}
  .rating{padding:90px 0}.rating-layout{grid-template-columns:1fr;gap:52px}.rating-score strong{font-size:8.8rem}.rating-score span{margin-top:23px;font-size:1rem}.rating h2{margin-bottom:20px}.rating-layout>div:last-child>p{font-size:.93rem;line-height:1.7}
  .about-media{height:510px}.about-media img{object-position:center 22%}.about-copy{padding:82px 24px}.about h2{margin-bottom:24px}.about-copy>p{font-size:.94rem;line-height:1.7}
  .contact-layout{gap:45px}.contact-copy>p{font-size:.93rem;line-height:1.7}.contact-direct{grid-template-columns:1fr;margin-top:30px}.contact-form{padding:25px 18px;min-height:435px}.form-progress{margin-bottom:27px}.topic-options button{min-height:67px;padding:15px 17px;font-size:.9rem}.field-row{grid-template-columns:1fr}.form-step[data-step="2"]{gap:16px}.contact-form .button{width:100%}
  .footer{padding-top:58px}.footer-main{grid-template-columns:1fr 1fr;gap:37px 24px;padding-bottom:50px}.footer-brand{grid-column:1/-1}.footer-bottom{padding-bottom:85px}.mobile-contact{display:flex;position:fixed;z-index:25;left:0;right:0;bottom:0;min-height:58px;align-items:center;justify-content:space-between;background:var(--black);color:#fff;padding:12px 20px;padding-bottom:max(12px,env(safe-area-inset-bottom));font-size:.82rem;font-weight:700;box-shadow:0 -10px 35px rgba(0,0,0,.12)}
}
@media(max-width:390px){.wrap{width:min(100% - 30px,1360px)}.hero{min-height:600px}.hero h1{font-size:2.65rem}.quiet-link{display:none}.trust-grid>div{padding-inline:12px}.trust-grid>div:first-child,.trust-grid>div:nth-child(3){padding-left:0}.trust-grid>div:nth-child(2),.trust-grid>div:nth-child(4){padding-right:0}.trust strong{font-size:2.2rem}.trust strong.place-name{font-size:1.72rem}.trust span{font-size:.77rem}.service-item button>strong{font-size:1rem}.service-body{padding-left:20px}.insurance-tab{padding-inline:8px}.insurance-tab>strong{font-size:.78rem}.about-media{height:450px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{transition-duration:.01ms!important}.reveal{opacity:1;transform:none}.insurance-panel{animation:none}}