/* Warm ivory, garden green, ochre and a clear brick-red action color. */
:root {
  --ink:#303b32; --muted:#526052; --olive:#365b3c; --olive-dark:#29392d;
  --sand:#fbf7ef; --sky:#f2f5ec; --accent:#b94035; --red:#b94035;
  --red-dark:#9c3028; --blue-strong:#426747; --line:#dfe1d5;
}
body { color:var(--ink); }
.button { background:var(--accent); border-color:var(--accent); color:#fff; }
.button:hover { background:var(--red-dark); border-color:var(--red-dark); color:#fff; }
.button.secondary { color:var(--ink); background:#ffffffed; border-color:#b6ccc5; }
.button.secondary:hover { color:var(--ink); background:#e8f2ee; border-color:#7fa89e; }
.text-link:hover,.toc a:hover,.main-nav>a:hover,.nav-dropdown>summary:hover { color:var(--olive); text-decoration:underline; }
.chevron { color:var(--olive); }
.icon { color:#426747; background:#ecf2e6; }
.icon.terra { color:var(--olive); background:#f6edda; }
.header-inner { position:relative; }
.main-nav { gap:20px; }
.nav-dropdown { position:static; }
.nav-submenu { left:auto; right:0; top:100%; width:min(960px,100%); grid-template-columns:1.18fr 1fr 1.05fr; gap:26px; padding:27px; box-shadow:0 20px 45px #303b321a; }
.nav-group { min-width:0; }
.nav-group>p { font-size:16px; font-weight:700; line-height:1.5; margin:0 0 10px; padding:0 8px 12px; color:var(--olive); border-bottom:1px solid var(--line); }
.nav-group ul { list-style:none; padding:0; margin:0; }
.nav-group a { gap:11px; padding:11px 8px; font-size:16px; min-height:46px; }
.nav-group svg { width:19px; height:19px; }
.main-nav .header-phone { padding:10px 14px; border-radius:999px; background:#f9e9e3; color:#a72f29; }
.header-phone:hover { background:#f4d9d1; }
.hero-shell { min-height:700px; background:#fbf7ef; }
.hero-photo img { object-position:65% center; }
.hero-shell:after { background:linear-gradient(90deg,#fbf7ef 0%,#fbf7effc 24%,#fbf7efef 33%,#fbf7efc9 41%,#fbf7ef66 49%,#fbf7ef12 57%,transparent 64%); }
.hero-content { width:51%; max-width:700px; padding:66px 0 62px 58px; }
.hero-content h1 { font-size:clamp(44px,3.8vw,57px); line-height:1.18; max-width:630px; letter-spacing:-1.25px; }
.hero-content h1 .hero-topic { display:block; margin:0 0 15px; font-family:var(--sans); font-size:clamp(24px,2vw,30px); font-weight:600; line-height:1.4; letter-spacing:-.5px; color:#426747; }
.hero-content h1>span:last-child { color:#304e35; }
.hero-content .lead { max-width:495px; color:#435140; margin-bottom:0; }
.hero-content .eyebrow { font-size:14px; color:#566c4d; letter-spacing:1.3px; }
.hero-content .actions { gap:12px; }
.hero-content .button { padding-inline:20px; }
.hero-proof { row-gap:9px; max-width:490px; color:#435140; }
.hero-location { background:#ffffffeb; color:#435140; }
.audience-grid { grid-template-columns:1.15fr .85fr; gap:25px; }
.audience-card { display:flex; flex-direction:column; align-items:flex-start; padding:36px; background:#eff4e9; border-radius:27px; }
.audience-card:nth-child(2) { background:#faf0df; border-color:#ead8bf; }
.audience-card h3 { font-size:28px; margin-top:12px; }
.audience-card .audience-kicker { margin:22px 0 0; font-size:15px; font-weight:600; color:#526c40; }
.audience-card:nth-child(2) .audience-kicker { color:#79552c; }
.audience-card:nth-child(2) .icon { background:#f3e3c5; color:#79552c; }
.audience-card .text-link { margin-top:auto; padding-top:8px; }
.deadline-note { display:grid; grid-template-columns:43px minmax(0,1fr) auto; align-items:center; gap:19px; margin-top:26px; padding:25px 29px; background:#fbf3e1; border:1px solid #e8d9b1; border-radius:23px; }
.deadline-note>span { color:#79552c; }
.deadline-note svg { width:29px; height:29px; display:block; }
.deadline-note strong { display:block; font-size:19px; margin-bottom:6px; }
.deadline-note p { margin:0; font-size:17px; color:var(--muted); line-height:1.75; }
.deadline-note>a { display:flex; align-items:center; gap:10px; color:var(--olive); font-size:17px; font-weight:650; text-decoration:none; white-space:nowrap; }
.deadline-note>a:hover { text-decoration:underline; }
.deadline-note>a svg { width:20px; height:20px; }
.topic-jumps { display:flex; flex-wrap:wrap; gap:12px; margin:0 0 37px; }
.topic-jumps a { padding:11px 19px; border:1px solid #d6dec9; background:#fff; border-radius:999px; color:#3f623a; font-size:17px; font-weight:600; text-decoration:none; }
.topic-jumps a:hover { border-color:var(--olive); background:#eff4e9; color:var(--olive); }
.guide-group { margin-top:38px; scroll-margin-top:112px; }
.guide-group+.guide-group { margin-top:58px; }
.guide-group-heading { display:flex; align-items:center; gap:17px; margin-bottom:24px; }
.group-number { display:flex; align-items:center; justify-content:center; flex:none; width:48px; height:48px; border-radius:16px; color:#426747; background:#e1e9d5; font-size:18px; font-weight:650; }
.guide-group-heading h3 { font-size:27px; }
.guide-group-heading p { font-size:17px; color:var(--muted); margin:5px 0 0; }
.guides { grid-template-columns:repeat(3,minmax(0,1fr)); }
.guide-card { padding:29px; }
.guide-card h4 { margin:20px 0 13px; font-size:23px; font-weight:600; line-height:1.4; color:var(--ink); }
.guide-group:last-child .guides { grid-template-columns:repeat(3,minmax(0,1fr)); }
.guide-group:nth-of-type(2n) .group-number,.guide-group:nth-of-type(2n) .icon { color:#79552c; background:#f6edda; }
.guide-card:hover { box-shadow:0 10px 26px #303b320a; }
.understanding-band { display:grid; grid-template-columns:1fr 1fr; gap:65px; align-items:center; padding:55px; background:linear-gradient(115deg,#eff4e9,#fbf2e1); border:1px solid var(--line); border-radius:31px; }
.understanding-band h2 { margin-bottom:24px; }
.understanding-band p { color:var(--muted); }
.rights-differences { margin:0; padding:31px; border-radius:24px; background:#ffffffd9; border:1px solid var(--line); }
.rights-differences>div { padding:0 0 23px; margin:0 0 23px; border-bottom:1px solid var(--line); }
.rights-differences>div:last-child { padding:0; margin:0; border:0; }
.rights-differences dt { display:flex; align-items:center; gap:13px; margin-bottom:10px; color:var(--ink); font-size:21px; font-weight:650; line-height:1.4; }
.rights-differences dt svg { width:27px; height:27px; flex:none; color:var(--olive); }
.rights-differences dd { margin:0; font-size:18px; line-height:1.75; color:var(--muted); }
.fee-band { display:grid; grid-template-columns:.8fr 1.2fr; gap:65px; padding:55px; border:1px solid #e2dac7; border-radius:31px; background:linear-gradient(130deg,#fbf0d9,#eff4e9); }
.fee-icon { display:flex; align-items:center; justify-content:center; width:62px; height:62px; color:var(--olive); background:#f3e3bd; border-radius:21px; margin-bottom:26px; }
.fee-icon svg { width:34px; height:34px; }
.fee-copy p { color:var(--muted); }
.fee-copy .lead strong { font-weight:600; color:var(--ink); }
.contact-section { background:linear-gradient(115deg,#edf3e6,#faf0dd); }
.contact-phone { color:#a72f29; }
.service-fee-note { color:var(--muted); font-size:17px; margin-top:22px; max-width:590px; }
.site-footer { color:#f2f5fa; }
.website-info .cookie-table th,.website-info .cookie-table td { border-color:#9ba88c; }
.article-header { background:linear-gradient(110deg,#eff4e9,#faf3e5); }
.article-symbol { background:#e1ebd8; }
.article-symbol svg { color:#436940; }
.article-aside,.article-aside .aside-card { position:static; max-height:none; overflow:visible; }
.article-body a { overflow-wrap:anywhere; }
.article-header .actions { margin-top:25px; }
.takeaway { background:#eff4e9; }
.takeaway .icon { color:#426747; background:#e1e9d5; }
.aside-contact .eyebrow { color:#d0e5dd; }
.cookie-notice { border-color:#acbfb4; }
.cookie-actions .cookie-acknowledge { color:var(--ink); border-radius:999px; }
.cookie-actions .cookie-more { border-radius:999px; }
.trust-row { display:flex; justify-content:space-between; flex-wrap:wrap; gap:15px 25px; padding-block:27px; border-bottom:1px solid var(--line); color:var(--muted); font-size:16px; }
.trust-row>span { display:flex; align-items:center; gap:9px; }
.trust-row svg { width:21px; height:21px; color:var(--olive); flex:none; }
.trust-row a { color:var(--olive); font-weight:650; }
.rights-differences dd a { display:block; width:fit-content; color:var(--olive); font-size:17px; font-weight:600; margin-top:6px; }
@media(min-width:1650px) { .hero-shell { min-height:720px; } .hero-content { padding-top:78px; } .hero-content h1 { font-size:59px; } }
@media(max-width:1120px) { .main-nav { gap:17px; } .hero-content { padding-left:42px; width:56%; } .hero-content h1 { font-size:47px; } .hero-content .lead { max-width:440px; } .hero-shell:after { background:linear-gradient(90deg,#fbf7ef 0%,#fbf7effa 25%,#fbf7efed 36%,#fbf7efac 46%,#fbf7ef32 58%,transparent 69%); } .understanding-band,.fee-band { gap:37px; padding:40px; } .deadline-note { grid-template-columns:40px 1fr; } .deadline-note>a { grid-column:2; } }
@media(max-width:980px) { .nav-dropdown { position:relative; } .nav-submenu { position:static; width:auto; grid-template-columns:1fr 1fr; gap:20px; box-shadow:none; } .main-nav .header-phone { justify-content:center; margin-top:10px; } .hero-shell { padding-top:365px; min-height:0; } .hero-photo { height:390px; } .hero-photo img { object-position:72% 39%; } .hero-shell:after { background:linear-gradient(180deg,transparent 0,transparent 300px,#fbf7ef 390px,#fbf7ef 100%); } .hero-content { width:100%; max-width:none; padding:8px 34px 43px; } .hero-content h1 { font-size:52px; max-width:760px; } .hero-content h1 .hero-topic { font-size:29px; } .hero-content .lead { max-width:750px; } .hero-proof { max-width:none; } .audience-grid { grid-template-columns:1fr 1fr; } .audience-card { padding:29px; } .audience-card h3 { font-size:25px; } .understanding-band,.fee-band { grid-template-columns:1fr; } .guides { grid-template-columns:repeat(2,minmax(0,1fr)); } }
@media(max-width:640px) { .nav-submenu { grid-template-columns:1fr; padding:18px 11px; gap:22px; } .hero-shell { padding-top:272px; } .hero-photo { height:303px; } .hero-photo img { object-position:68% center; } .hero-shell:after { background:linear-gradient(180deg,transparent 0,transparent 230px,#fbf7ef 303px,#fbf7ef 100%); } .hero-content { padding:12px 23px 33px; } .hero-content h1 { font-size:38px; letter-spacing:-1.1px; } .hero-content h1 .hero-topic { font-size:25px; line-height:1.35; } .hero-content .eyebrow { font-size:12px; letter-spacing:1px; } .hero-content .actions { align-items:stretch; flex-direction:column; } .hero-content .lead { font-size:18px; } .hero-location { font-size:12px; padding:8px 12px; } .hero-proof { font-size:15px; } .audience-grid,.guides,.guide-group:last-child .guides { grid-template-columns:1fr; } .audience-card { padding:28px; } .audience-card h3 { font-size:27px; } .deadline-note { grid-template-columns:1fr; gap:13px; padding:25px; } .deadline-note>a { grid-column:1; } .topic-jumps { gap:9px; margin-bottom:29px; } .topic-jumps a { font-size:16px; padding:10px 16px; } .guide-group-heading { align-items:flex-start; } .guide-group-heading h3 { font-size:24px; } .guide-group-heading p { font-size:17px; } .guide-group+.guide-group { margin-top:40px; } .guide-card { padding:27px; } .understanding-band,.fee-band { padding:30px 25px; gap:28px; border-radius:26px; } .rights-differences { padding:25px 22px; } .fee-icon { margin-bottom:22px; } .fee-copy .button { width:100%; } }
@media(max-width:370px) { .hero-content h1 { font-size:34px; } .hero-content { padding-inline:20px; } }
@media print { .site-footer { color:#222; } .understanding-band,.fee-band { background:#fff; padding:25px; } .topic-jumps,.deadline-note { display:none; } .guide-group { break-inside:avoid; } }

/* Individual identity, shared accessible component layout. */
.hero-shell{min-height:690px}
.hero-content{width:50%;padding-left:52px}
.hero-content h1{font-size:clamp(44px,4vw,59px)}
.hero-content h1 .hero-topic{font-size:clamp(22px,1.8vw,28px);letter-spacing:-.55px}
.hero-photo img{object-position:64% center}
.hero-shell:after{background:linear-gradient(90deg,#fbf7ef 0%,#fbf7effc 23%,#fbf7efeb 32%,#fbf7efb3 40%,#fbf7ef55 48%,#fbf7ef0d 57%,transparent 64%)}
.hero-content .button.secondary{background:#fffdf7f5}
.hero-location{font-size:14px;background:#fffdf3ec}
.header-phone svg{color:#a72f29}
.benefits-neighbors{--benefit-surface:#fbf5e9;--benefit-icon-surface:#f9e9e3;--benefit-ink:#303b32;--benefit-muted:#526052;--benefit-accent:#a72f29;--benefit-line:#e4ddcd}
.benefits-neighbors .benefit-icon{background:#f9e9e3;color:#a72f29}
.theme-neighbors{--review-background:#f1f5eb;--review-tint:#e1e9d5;--review-end:#fbf3e4;--review-ink:#303b32;--review-muted:#526052;--review-accent:#426747;--review-card:#fff;--review-edge:#dfe4d5}
.theme-neighbors .review-avatar{background:#f3e3c5;color:#79552c}
.cookie-acknowledge{background:#b94035!important;border-color:#b94035!important;color:#fff!important}
.cookie-acknowledge:hover{background:#9c3028!important}
.cookie-symbol{background:#edf3e6;color:#426747}
.article-aside,.article-aside .aside-card{position:static;max-height:none;overflow:visible}
.article-body .related-grid a,.sources a{color:#365b3c}
.guide-card{border-color:#e0e3d6}
.guide-card:focus-visible{outline:3px solid #b94035;outline-offset:4px}
.mobile-contact-bar a:last-child{color:#fff}
@media(min-width:1650px){.hero-shell{min-height:720px}.hero-content h1{font-size:64px}.hero-content{padding-top:83px}}
@media(max-width:1120px){.hero-content{width:57%;padding-left:36px}.hero-content h1{font-size:49px}.hero-content h1 .hero-topic{font-size:25px}}
@media(max-width:980px){.hero-shell{min-height:0;padding-top:365px}.hero-photo img{object-position:70% 47%}.hero-content{width:100%;padding:8px 34px 43px}.hero-content h1{font-size:52px}.hero-shell:after{background:linear-gradient(180deg,transparent 0,transparent 310px,#fbf7ef 390px,#fbf7ef 100%)}.guide-group:last-child .guides{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:640px){.hero-shell{padding-top:272px}.hero-photo img{object-position:65% center}.hero-content{padding:12px 23px 33px}.hero-content h1{font-size:39px}.hero-content h1 .hero-topic{font-size:23px}.hero-shell:after{background:linear-gradient(180deg,transparent 0,transparent 240px,#fbf7ef 303px,#fbf7ef 100%)}.hero-location{font-size:11px;max-width:80%}.guide-group:last-child .guides{grid-template-columns:1fr}}
@media(max-width:370px){.hero-content h1{font-size:34px}.hero-content h1 .hero-topic{font-size:21px}}

@media(min-width:981px){.hero-content .lead,.hero-proof{max-width:440px}}