:root{--ink:#20221f;--dark:#1a1c19;--paper:#f8f7f2;--white:#fff;--muted:#62665d;--line:#d9dcd1;--yellow:#f4ce35;--serif:Georgia,'Times New Roman',serif;--sans:Arial,Helvetica,sans-serif}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:140px}body{margin:0;background:var(--paper);color:var(--ink);font:17px/1.7 var(--sans)}a{color:inherit;text-decoration-thickness:1px;text-underline-offset:5px}button,input,select,textarea{font:inherit}button,a,input,select,textarea{touch-action:manipulation}a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible,summary:focus-visible{outline:3px solid #947700;outline-offset:5px}img{display:block;width:100%;height:auto}h1,h2,h3,p{margin:0}h1,h2,h3{font-weight:400}h1,h2{font-family:var(--serif);letter-spacing:-.045em;line-height:1.08}h1{font-size:clamp(2.7rem,4.65vw,5.1rem)}h2{font-size:clamp(2.2rem,3.4vw,3.7rem)}h3{font-family:var(--serif);font-size:1.65rem;line-height:1.22;letter-spacing:-.02em}p+p{margin-top:1.1rem}p{max-width:72ch}.wrap{max-width:1320px;margin:auto;padding:0 5%}.narrow{max-width:900px}.section{padding:100px 0}.eyebrow{font-size:.76rem;font-weight:600;text-transform:uppercase;letter-spacing:.17em;line-height:1.6;margin-bottom:22px}.eyebrow:before{content:'';display:inline-block;width:27px;height:2px;background:var(--yellow);vertical-align:middle;margin-right:13px}.muted{color:var(--muted)}.lead{font-size:1.16rem;line-height:1.7}.btn{display:inline-flex;align-items:center;justify-content:center;min-height:49px;padding:13px 23px;background:var(--yellow);color:var(--ink);font-size:.84rem;font-weight:700;text-decoration:none;border:1px solid var(--yellow);border-radius:0;cursor:pointer;transition:background .2s,transform .2s}.btn:hover{background:#ffdc4d;transform:translateY(-1px)}.btn.line{background:transparent;border-color:var(--line)}.dark .btn.line{border-color:#777b70;color:var(--paper)}.actions{display:flex;flex-wrap:wrap;gap:19px;align-items:center;margin-top:30px}.textlink{font-size:.87rem;font-weight:600;display:inline-block;margin-top:23px}.skip{position:fixed;top:-100px;left:12px;z-index:100;background:var(--yellow);padding:12px}.skip:focus{top:12px}.utility{background:#111310;color:#e2e3dc;font-size:.74rem;padding:8px 0}.utility .wrap{display:flex;justify-content:space-between;gap:15px}.utility a{text-decoration:none}.site-header{background:var(--paper);position:sticky;top:0;z-index:20;border-bottom:1px solid var(--line)}.brandrow{display:flex;align-items:center;justify-content:space-between;gap:24px;padding-top:21px;padding-bottom:20px}.brand{text-decoration:none;display:block}.brand .broker{font-size:1.38rem;letter-spacing:.035em;font-weight:800;line-height:1.3;display:block}.brand .person{display:block;font-size:.86rem;letter-spacing:.025em;margin-top:3px}.brand small{font-size:.67rem;letter-spacing:.12em}.nav{border-top:1px solid var(--line);display:flex;justify-content:space-between;gap:18px;padding-top:12px;padding-bottom:12px}.nav a{font-size:.78rem;white-space:nowrap;text-decoration:none;padding:3px 0;border-bottom:2px solid transparent}.nav a:hover,.nav a[aria-current=page]{border-bottom-color:#a48712}.menu-btn{display:none;background:transparent;border:1px solid var(--ink);min-height:44px;padding:8px 14px}.hero{display:grid;grid-template-columns:1fr 1fr;background:var(--dark);color:var(--paper);min-height:650px}.hero-copy{padding:68px max(32px,calc((100vw - 1190px)/2)) 65px 10%;padding-right:8%;display:flex;flex-direction:column;justify-content:center}.hero .eyebrow{font-size:.68rem;color:#d9dccf}.hero h1 em{font-style:italic;color:var(--yellow)}.hero .lead{font-size:1rem;margin-top:27px;color:#e0e2d8;max-width:52ch}.hero-image{position:relative;min-width:0}.hero-image img{height:100%;object-fit:cover;object-position:57% center}.caption{position:absolute;bottom:17px;right:20px;font-size:.65rem;color:white;background:#20221fd9;padding:5px 10px;letter-spacing:.04em}.hero .secondary{color:#eee;font-size:.84rem}.hero .actions{gap:20px}.hero .btn{font-size:.77rem;padding:14px 18px}.hero-note{font-size:.72rem;color:#c9cdc1;margin-top:28px;letter-spacing:.04em}.ribbon{background:#eaece3;border-bottom:1px solid var(--line);padding:22px 0}.ribbon .wrap{display:flex;justify-content:space-between;gap:20px;font-size:.75rem;letter-spacing:.05em}.split{display:grid;grid-template-columns:1fr 1fr;gap:8%;align-items:start}.split h2{max-width:15ch}.body-stack>*+*{margin-top:20px}.body-stack p{color:#50554c}.section-head{display:flex;justify-content:space-between;gap:50px;align-items:end;margin-bottom:44px}.section-head p{max-width:39ch;color:var(--muted);font-size:.96rem}.paths{display:grid;grid-template-columns:repeat(3,1fr);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.path{padding:32px 28px 38px 0}.path+.path{border-left:1px solid var(--line);padding-left:30px}.number{font-size:.75rem;color:#5c6256;letter-spacing:.1em;margin-bottom:30px}.path p{font-size:.95rem;color:var(--muted);margin-top:16px}.path h3{font-size:2rem}.path .label{font-size:.72rem;text-transform:uppercase;letter-spacing:.09em;margin-top:13px;color:var(--ink)}.sage{background:#e9ece3}.prep-grid{display:grid;grid-template-columns:1.04fr 1fr;gap:7%;align-items:center}.prep-grid figure{margin:0;position:relative}.prep-grid img{aspect-ratio:4/5;object-fit:cover}.prep-grid h2{max-width:17ch}.prep-grid p{margin-top:22px;color:#50554c}.steps{display:flex;flex-wrap:wrap;gap:9px 18px;border-top:1px solid #bac1b3;padding-top:20px;margin-top:25px;font-size:.73rem}.steps span:before{content:attr(data-n) ' ';color:#737b6b;margin-right:5px}.statement{background:var(--dark);color:var(--paper);text-align:center;padding:88px 0}.statement h2{font-size:clamp(3rem,6vw,6.5rem);color:var(--yellow);margin:22px 0 28px}.statement p{margin-left:auto;margin-right:auto;max-width:59ch;color:#d1d5c8}.statement .eyebrow{color:#d1d5c8}.about-grid{display:grid;grid-template-columns:.7fr 1.2fr;gap:10%;align-items:center}.portrait{max-width:370px;position:relative}.portrait img{aspect-ratio:4/5;object-fit:cover;object-position:50% 36%;filter:saturate(.8)}.portrait figcaption{font-size:.75rem;margin-top:16px;color:var(--muted)}.expertise{display:grid;grid-template-columns:1fr 1fr;gap:25px 30px;margin:29px 0}.expertise h3{font-family:var(--sans);font-size:.9rem;font-weight:700}.expertise p{font-size:.88rem;color:var(--muted);margin-top:7px}.language{border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:64px 0}.language .split{align-items:center}.language h2{font-size:2.6rem}.language .russian{font-family:var(--serif);font-size:1.65rem;margin-bottom:18px}.areas-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:28px}.area{border-top:3px solid var(--ink);padding-top:26px}.area span{font-size:.69rem;text-transform:uppercase;letter-spacing:.1em;color:var(--muted)}.area h3{font-size:1.8rem;margin:12px 0}.area p{font-size:.88rem;color:var(--muted)}.faq-layout{display:grid;grid-template-columns:.8fr 1.2fr;gap:8%}.faq-layout h2{max-width:14ch}.faq details{border-bottom:1px solid var(--line);padding:20px 0}.faq details:first-child{border-top:1px solid var(--line)}.faq summary{font-size:1rem;cursor:pointer;font-weight:600;padding-right:18px;line-height:1.5}.faq details p{font-size:.95rem;margin-top:16px;color:var(--muted)}.resources{display:grid;grid-template-columns:repeat(3,1fr);gap:30px}.resource{border-top:1px solid var(--line);padding-top:24px;text-decoration:none;display:block}.resource .meta{font-size:.69rem;text-transform:uppercase;letter-spacing:.11em;color:var(--muted);margin-bottom:18px}.resource h3{font-size:1.6rem}.resource p{font-size:.9rem;color:var(--muted);margin-top:14px}.resource:hover h3{text-decoration:underline;text-decoration-thickness:1px;text-underline-offset:6px}.final-cta{background:#262a24;color:var(--paper);padding:90px 0}.final-cta .split{align-items:center}.final-cta h2{max-width:18ch}.final-cta p{color:#d1d6c8}.final-cta .small{font-size:.82rem;margin-top:22px}.footer{background:#171a16;color:#ccd0c3;padding:52px 0 28px;font-size:.8rem}.footer-top{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:45px}.footer .broker{font-size:1.55rem;font-weight:700;color:var(--paper);display:block;margin-bottom:8px}.footer strong{color:#e3e7d9}.footer a{display:inline-block;margin:4px 0}.footer-links{display:flex;flex-wrap:wrap;gap:12px 24px;border-top:1px solid #434a3b;margin-top:35px;padding-top:23px}.fine{font-size:.73rem;line-height:1.65;color:#aeb6a3;margin-top:20px}.mobile-bar{display:none}.page-intro{padding:66px 0 63px;border-bottom:1px solid var(--line)}.breadcrumb{font-size:.75rem;color:var(--muted);margin-bottom:35px}.page-intro h1{max-width:22ch}.page-intro .lead{margin-top:25px;max-width:65ch;color:var(--muted)}.article-body{max-width:820px;margin:auto;padding:62px 5% 78px}.article-body h2{font-size:2.25rem;margin:42px 0 20px;letter-spacing:-.03em}.article-body h3{margin:29px 0 12px}.article-body p{margin:0 0 20px}.article-body li{margin:10px 0}.article-body ul,.article-body ol{padding-left:25px}.article-body .callout{padding:27px 30px;background:#e9ece3;border-left:3px solid #988013;margin:30px 0}.callout p:last-child{margin-bottom:0}.article-body table{border-collapse:collapse;width:100%;font-size:.88rem;margin:25px 0}.article-body th,.article-body td{text-align:left;padding:13px 10px;border-bottom:1px solid var(--line)}.table-scroll{overflow-x:auto}.article-body th{background:#e9ece3}.related{border-top:1px solid var(--line);padding-top:25px;margin-top:44px}.contact-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:9%;padding:65px 0 85px}.contact-info h2{font-size:2.4rem;margin-bottom:23px}.contact-info p{margin:18px 0}.contact-info a{overflow-wrap:anywhere}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:19px}.field{display:flex;flex-direction:column;gap:7px;font-size:.8rem}.field.wide{grid-column:1/-1}.field input,.field select,.field textarea{width:100%;min-height:48px;border:1px solid #a7afa0;border-radius:0;background:#fff;color:var(--ink);padding:10px 12px;font-size:1rem}.field textarea{min-height:120px;resize:vertical}.field small{font-size:.75rem;color:var(--muted)}.form-status{margin-top:20px;padding:18px;background:#e9ece3;font-size:.9rem}.form-note{font-size:.77rem;color:var(--muted);margin-top:18px}.hp{position:absolute;left:-10000px;width:1px;height:1px;overflow:hidden}.page[hidden]{display:none!important}.reviewbar{background:#e9ece3;color:#41483b;font-size:.71rem;text-align:center;padding:7px 12px;border-bottom:1px solid #cad1c0}.reviewbar a{margin-left:8px}.article-kicker{font-size:.75rem;letter-spacing:.05em;color:var(--muted);margin-bottom:24px}.source-list{font-size:.83rem;overflow-wrap:anywhere}.region-towns{font-size:.87rem;padding:20px 0;border-top:1px solid var(--line);border-bottom:1px solid var(--line);margin:22px 0}.support-note{font-size:.82rem;color:var(--muted);margin-top:25px}.about-page-photo{float:right;width:32%;margin:0 0 25px 30px}.about-page-photo img{aspect-ratio:4/5;object-fit:cover}.errorpage{text-align:center;padding:100px 5%}.errorpage h1{margin-bottom:30px}@media(min-width:1500px){.hero-copy{padding-left:max(55px,calc((100vw - 1320px)/2 + 66px))}}@media(max-width:1050px){.nav{gap:10px}.nav a{font-size:.7rem}.hero-copy{padding:48px 7%}.hero h1{font-size:3.3rem}.hero{min-height:620px}.areas-grid{grid-template-columns:1fr 1fr}.ribbon .wrap{flex-wrap:wrap}.section{padding:75px 0}.brandrow>.btn{font-size:.76rem}.prep-grid{gap:5%}.hero .actions{align-items:flex-start;flex-direction:column}}@media(max-width:760px){body{font-size:16px}.wrap{padding:0 6%}.utility .wrap{font-size:.66rem}.utility .location{display:none}.brandrow{padding-top:14px;padding-bottom:14px;gap:12px}.brand .broker{font-size:1.1rem}.brand .person{font-size:.7rem;max-width:220px}.brandrow>.btn{display:none}.menu-btn{display:block;font-size:.8rem}.nav{display:none;padding:12px 6% 22px;max-height:65vh;overflow:auto}.nav.open{display:grid;grid-template-columns:1fr 1fr;gap:12px 22px}.nav a{font-size:.85rem;white-space:normal;padding:8px 0}.hero{grid-template-columns:1fr}.hero-copy{padding:45px 6% 40px}.hero h1{font-size:clamp(2.65rem,9.5vw,4rem);max-width:15ch}.hero .eyebrow{font-size:.65rem}.hero .lead{font-size:.97rem}.hero .actions{flex-direction:row;align-items:center;gap:20px}.hero-image{height:320px}.hero-image img{object-position:center 57%}.hero-note{margin-top:20px}.ribbon .wrap{display:grid;grid-template-columns:1fr 1fr;gap:15px;font-size:.7rem}.section{padding:60px 0}.split,.prep-grid,.about-grid,.faq-layout,.contact-grid{grid-template-columns:1fr;gap:30px}.split h2,.prep-grid h2,.faq-layout h2{max-width:unset}.section-head{display:block;margin-bottom:30px}.section-head p{margin-top:18px}.paths{grid-template-columns:1fr}.path,.path+.path{border-left:0;padding:27px 0}.path+.path{border-top:1px solid var(--line)}.number{margin-bottom:15px}.path h3{font-size:1.9rem}.prep-grid img{aspect-ratio:4/3}.statement{padding:62px 0}.statement h2{font-size:3.65rem}.about-grid{gap:35px}.portrait{max-width:300px;margin:0}.expertise{gap:24px}.language{padding:55px 0}.language h2{font-size:2.25rem}.areas-grid{gap:28px 22px}.area h3{font-size:1.5rem}.area p{font-size:.82rem}.resources{grid-template-columns:1fr;gap:29px}.resource h3{font-size:1.65rem}.final-cta{padding:60px 0}.footer-top{grid-template-columns:1fr;gap:24px}.footer{padding-bottom:90px}.mobile-bar{position:fixed;bottom:0;left:0;right:0;display:grid;grid-template-columns:1fr 2fr;z-index:25;background:var(--paper);box-shadow:0 -2px 15px #0001}.mobile-bar a{text-align:center;padding:15px;font-size:.78rem;font-weight:700;text-decoration:none}.mobile-bar a:last-child{background:var(--yellow)}.page-intro{padding:42px 0}.page-intro h1{font-size:2.65rem}.page-intro .lead{font-size:1.03rem}.breadcrumb{margin-bottom:26px}.article-body{padding:40px 6% 60px}.article-body h2{font-size:2rem}.contact-grid{padding:45px 0 60px}.form-grid{gap:15px}.form-grid .field{grid-column:1/-1}.about-page-photo{float:none;width:70%;max-width:300px;margin:0 0 28px}.reviewbar{font-size:.66rem}.hero .btn{font-size:.76rem}.article-body table{font-size:.77rem}.final-cta .small{font-size:.77rem}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{transition:none!important;animation:none!important}}@media print{.site-header,.utility,.reviewbar,.mobile-bar,.final-cta,.footer,.actions{display:none!important}.page[hidden]{display:none!important}body{background:white;color:black}.section{padding:25px 0}a{text-decoration:none}.hero{display:block;background:white;color:black}.hero h1 em{color:black}.hero-image{display:none}}

.hero h1{font-size:clamp(2.7rem,4.05vw,4.4rem)}
@media(max-width:760px){.hero h1{font-size:clamp(2.65rem,9.5vw,4rem)}}
.article-body .areas-grid{grid-template-columns:1fr 1fr}
@media(max-width:420px){.article-body .areas-grid{grid-template-columns:1fr}.hero .actions{align-items:flex-start;flex-direction:column}}
/* Reviewed typography, branding and progressive enhancement */
.broker-logo{display:block;width:260px;background:#f8f7f2;padding:10px 12px;line-height:1}.broker-logo img{width:100%;height:auto;object-fit:contain}.footer .broker-logo{max-width:280px;width:100%;margin-bottom:22px}.brand .person{font-size:.92rem}.brand small{font-size:.875rem;letter-spacing:.03em}.utility,.utility .wrap,.nav a,.brandrow>.btn,.hero .eyebrow,.hero .btn,.hero-note,.caption,.ribbon .wrap,.number,.path .label,.area span,.resource .meta,.portrait figcaption,.fine,.breadcrumb,.field,.field small,.form-note,.reviewbar,.article-kicker,.mobile-bar a{font-size:.875rem}.eyebrow{font-size:.875rem;letter-spacing:.11em}.footer{font-size:.92rem}.portrait img{filter:none}.field input,.field select,.field textarea{font-size:1rem}fieldset{border:0;padding:0;margin:0;min-width:0}fieldset:disabled{opacity:.65}.visually-hidden{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}.form-status button{margin-top:16px}.form-status textarea{width:100%;min-height:180px;margin-top:20px}.review-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:35px}.review-grid figure{margin:0;padding:28px 0;border-top:2px solid #d3b42a}.review-grid blockquote{font:1.7rem/1.35 var(--serif);margin:0 0 24px}.review-grid figcaption{font-size:.95rem}.review-grid figcaption span{font-size:.875rem;color:var(--muted)}.reviews{background:#efeee8}.reviews .actions{margin-top:14px}.reviews .textlink{margin-top:0}.article-body .reviews .wrap{padding:0}.article-body .review-grid{grid-template-columns:1fr}.article-body .reviews{padding:36px 24px}.editorial-date{font-size:.9rem;color:var(--muted);padding-top:22px}.source-list{margin-top:35px;border-top:1px solid var(--line);padding-top:16px;font-size:.9rem}.card-title{font:1.6rem/1.25 var(--serif);letter-spacing:-.02em}.area .card-title{font-size:1.8rem;margin:12px 0}.resource .card-title{margin:0}.table-scroll:focus-visible{outline:3px solid #947700;outline-offset:3px}.menu-btn{display:none}.nav{display:flex}.breadcrumb a[lang]{font-weight:inherit}.article-body .section-head{display:block}.article-body .section-head p{margin-top:18px}
@media(max-width:1100px){.js-ready .menu-btn{display:block}.js-ready .nav{display:none}.js-ready .nav.open{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px 28px}.nav{flex-wrap:wrap;gap:10px 24px}.nav a{font-size:1rem;white-space:normal;padding:9px 0}.brandrow>.btn{display:none}.brandrow{gap:18px}.review-grid{gap:24px}.hero .actions{flex-direction:column;align-items:flex-start}}
@media(max-width:760px){.broker-logo{width:225px;padding:7px 9px}.brand .person{font-size:.8rem;max-width:none}.brand small{font-size:.875rem}.utility .wrap{font-size:.875rem;justify-content:center}.brandrow{align-items:flex-start}.menu-btn{font-size:.875rem;margin-top:12px}.hero .eyebrow{font-size:.875rem}.hero .actions{flex-direction:column;align-items:flex-start}.hero .btn{font-size:.875rem;max-width:100%;white-space:normal}.review-grid{grid-template-columns:1fr;gap:8px}.review-grid blockquote{font-size:1.65rem}.mobile-bar{padding-bottom:env(safe-area-inset-bottom,0px)}.footer{padding-bottom:calc(100px + env(safe-area-inset-bottom,0px))}.mobile-bar a{font-size:.875rem}.nav.open{max-height:65vh}.nav{padding:14px 6%;display:flex;flex-wrap:wrap}.area p{font-size:.95rem}.ribbon .wrap{font-size:.875rem}.caption{font-size:.8rem}.hero-image{height:320px}.final-cta .small{font-size:.9rem}}
@media(max-width:420px){.broker-logo{width:205px}.brand .person{font-size:.75rem;max-width:235px}.brandrow{gap:8px}.menu-btn{padding:8px 10px}.utility .wrap{font-size:.8rem}.areas-grid{grid-template-columns:1fr}.expertise{grid-template-columns:1fr}.hero h1{font-size:2.6rem}.reviewbar{font-size:.8rem}}
@media print{.reviews{break-inside:avoid}.review-grid{display:block}.broker-logo{display:none}.source-list a{text-decoration:underline}.mobile-bar{display:none!important}}

/* Readable editorial disclosures on a fixed, opaque contrast background. */
.caption,figcaption.editorial-label{font-size:.75rem;line-height:1.5;color:#fff;background:#20221f;padding:6px 9px;letter-spacing:0;max-width:calc(100% - 24px);overflow-wrap:anywhere}
.btn:disabled{cursor:wait;opacity:.65}
.brand-home{display:inline-flex;flex-direction:column;align-items:flex-start;gap:4px;max-width:100%}
.brand-home .broker-logo{padding:0;margin:0 0 7px;background:transparent}

/* WCAG remediation, October 9, 2026. */
html{scroll-padding-top:210px;scroll-padding-bottom:100px}
.field input,.field select,.field textarea{border-color:#687260}
.steps span:before{color:#50584a}
.btn.line{border-color:#687260}
.btn{border-color:#687260}
.btn[aria-disabled=true]{cursor:wait}
.dark .btn.line{border-color:#aeb6a3}
:focus-visible{outline:3px solid #20221f;outline-offset:4px;box-shadow:0 0 0 7px #fff}
/* Dual-color ring remains visible on both light and dark surfaces. */
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible,summary:focus-visible,.table-scroll:focus-visible{outline-color:#20221f;box-shadow:0 0 0 7px #fff}
[id],a,button,input,select,textarea,summary{scroll-margin-top:210px;scroll-margin-bottom:100px}
.nav a[aria-current]{text-decoration:underline;text-decoration-thickness:2px;font-weight:700;border-bottom-color:var(--ink)}
.utility a,.footer a,.breadcrumb a,.textlink,.related>a,.actions>a,.contact-info a{display:inline-block;min-width:24px;min-height:24px}
.nav a{min-width:24px;min-height:32px}
.faq summary{min-height:44px;padding-top:10px;padding-bottom:10px}
.source-list a{display:inline-block;min-height:24px}
.field-group{min-width:0}.field-group.wide{grid-column:1/-1}
.required-text{font-size:.8rem;color:var(--muted)}
.field-error{font-size:.875rem;line-height:1.5;color:#8a221e;margin:8px 0 0}
.field [aria-invalid=true]{border:2px solid #8a221e}
.error-summary{border:2px solid #8a221e;padding:20px;margin-bottom:24px;background:#fff}
.error-summary h3{font-family:var(--sans);font-size:1.1rem;font-weight:700}
.error-summary ul{margin:12px 0 0;padding-left:22px}
.error-summary a{display:inline-block;min-height:24px;color:#8a221e}
.form-status:empty{padding:0;margin:0}.form-status a{overflow-wrap:anywhere}
[hidden]{display:none!important}
.hero-copy,.split>*,.prep-grid>*,.contact-grid>*,.brandrow>*,.footer-top>*{min-width:0}
.brandrow>div{flex:1}.broker-logo{max-width:100%}
.brand .person,.breadcrumb,.article-body,.footer,.contact-grid{overflow-wrap:anywhere}
.table-scroll{max-width:100%;overscroll-behavior-x:contain}
@media(max-width:1100px){
 .site-header{position:relative}
 html{scroll-padding-top:20px}
 [id],a,button,input,select,textarea,summary{scroll-margin-top:20px}
 .nav a{min-height:44px}
 .menu-btn{flex-shrink:0}
}
@media(max-width:760px){
 .form-grid{grid-template-columns:minmax(0,1fr)}
 .field-group{grid-column:1/-1}
 .utility .wrap>span:last-child{text-align:center}
 .utility a{min-height:28px}
 .caption{right:12px;bottom:12px;font-size:.75rem}
 .mobile-bar a{min-height:48px;display:flex;align-items:center;justify-content:center;line-height:1.4}
}
@media(max-width:360px){.brand .person{font-size:.75rem}.broker-logo{width:100%}.brandrow{gap:12px}.ribbon .wrap{grid-template-columns:1fr}.statement h2{font-size:2.8rem}}
@media(max-height:500px){.site-header{position:relative}.mobile-bar{position:static}.footer{padding-bottom:30px}html{scroll-padding-top:20px}}
@media(forced-colors:active){
 .btn,.caption,.error-summary,input,select,textarea{border:1px solid CanvasText}
 :focus-visible{outline:3px solid Highlight!important;box-shadow:none!important}
 .nav a[aria-current]{border-bottom:3px solid LinkText}
 .field [aria-invalid=true]{border:2px dashed CanvasText}
}

/* Desktop alignment repair, October 12, 2026.
   Container width owns horizontal spacing; sections own vertical spacing.
   The established layout at 760px and below remains unchanged. */
.field-label{display:contents}
@media(min-width:761px){
 :root{--site-max:1200px;--reading-max:820px;--site-gutter:clamp(32px,5vw,64px)}
 .wrap{
  width:calc(100% - 2 * var(--site-gutter));
  max-width:var(--site-max);
  margin-left:auto;
  margin-right:auto;
  padding-left:0;
  padding-right:0;
 }
 .wrap.reading-wrap,.article-body{
  width:calc(100% - 2 * var(--site-gutter));
  max-width:var(--reading-max);
  margin-left:auto;
  margin-right:auto;
  padding-left:0;
  padding-right:0;
 }
 .article-body .wrap{width:100%}
 .hero-copy{
  padding-left:max(var(--site-gutter),calc(100% - var(--site-max) / 2));
  padding-right:clamp(28px,4vw,64px);
 }
 .portrait{margin:0}
 .contact-info>.eyebrow:first-child{margin-top:0}
 .form-grid>.field-group{display:flex;flex-direction:column}
 .field-group>.field{flex:1}
 .field-label{display:block}
 .field input,.field select,.field textarea{margin-top:auto}
 .path,.area,.resource{display:flex;flex-direction:column;align-items:flex-start}
 .path>.textlink,.area>.textlink,.resource>.textlink{margin-top:auto;padding-top:23px}
 .review-grid figure{display:flex;flex-direction:column}
 .review-grid figcaption{margin-top:auto}
 .footer .broker-logo{padding-left:0;padding-right:0}
 .nav a[aria-current]{border-bottom-color:transparent}
}
