@import url('https://fonts.googleapis.com/css2?family=DM+Sans:wght@400;500;600;700;800&family=DM+Serif+Display:ital@0;1&display=swap');
:root{--forest:#103c37;--pine:#0b2a28;--mint:#cae5d8;--sage:#d7e8df;--sand:#fbf8f0;--cream:#f3eee3;--coral:#c85d43;--ink:#17292a;--muted:#5c6c6d;--line:#d7ddd6;--white:#fff;--r:22px;--shadow:0 24px 62px rgba(10,42,40,.12)}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:96px}body{margin:0;background:var(--sand);font:16px/1.65 'DM Sans',system-ui,sans-serif;color:var(--ink);-webkit-font-smoothing:antialiased}img{max-width:100%;display:block}a{color:#116257}a:hover{text-decoration-thickness:2px}button,input,select,textarea{font:inherit}button{cursor:pointer}h1,h2,h3,h4{line-height:1.12;margin:0 0 .7em;letter-spacing:-.025em}h1,h2{font-family:'DM Serif Display',Georgia,serif;font-weight:400;letter-spacing:-.02em}h1{font-size:clamp(2.6rem,5.2vw,5.6rem)}h2{font-size:clamp(2rem,3.3vw,3.5rem)}h3{font-size:1.18rem}p{margin:0 0 1.1rem}ul{padding-left:1.3em}li{margin:.4em 0}small,.fine{font-size:.81rem;color:var(--muted)}.wrap{width:min(1200px,calc(100% - 36px));margin:auto}.skip{position:absolute;top:-99px;background:#fff;padding:12px;z-index:99}.skip:focus{top:0}.topline{background:var(--pine);color:#d8eae3;font-size:.77rem;padding:8px 0}.topline .wrap{display:flex;justify-content:space-between;gap:12px;align-items:center}.topline a{color:white;font-weight:700}.sitehead{background:var(--sand);position:sticky;top:0;z-index:45;border-bottom:1px solid #e8e6de;box-shadow:0 8px 20px rgba(15,40,37,.035)}.headinner{min-height:82px;display:flex;align-items:center;justify-content:space-between;gap:18px}.identity{display:flex;align-items:center;gap:11px;min-width:195px;text-decoration:none;color:var(--pine)}.identity-mark{width:46px;height:46px;border:2px solid var(--forest);border-radius:14px 3px 14px 3px;display:grid;place-items:center;font:28px Georgia,serif;color:var(--forest)}.identity strong{display:block;font-size:1.18rem;letter-spacing:-.035em;line-height:1.17}.identity small{display:block;color:#697b78;font-size:.68rem;letter-spacing:.06em;text-transform:uppercase;line-height:1.55}.nav{display:flex;align-items:center;gap:19px}.nav a{font-size:.84rem;color:var(--ink);font-weight:700;text-decoration:none;white-space:nowrap}.nav a:hover{color:var(--coral)}.headcta{display:flex;align-items:center;gap:9px}.headphone{font-weight:800;white-space:nowrap;color:var(--pine);text-decoration:none;font-size:.95rem}.btn{display:inline-flex;align-items:center;justify-content:center;text-align:center;gap:9px;border-radius:999px;padding:14px 22px;font-weight:800;font-size:.9rem;line-height:1.3;text-decoration:none;transition:transform .18s,background .18s;border:2px solid transparent;cursor:pointer}.btn:hover{transform:translateY(-1px);text-decoration:none}.btn-coral{background:var(--coral);color:#fff}.btn-coral:hover{background:#a9432e;color:#fff}.btn-white{background:white;color:var(--pine)}.btn-outline{border-color:var(--forest);color:var(--forest);background:transparent}.btn-forest{background:var(--forest);color:white}.btn-forest:hover{background:var(--pine);color:#fff}.btn-small{padding:11px 16px;font-size:.82rem}.mobmenu{display:none}.mobmenu summary{cursor:pointer;font-weight:800;list-style:none;border:1px solid var(--line);padding:9px 13px;border-radius:12px}.mobmenu nav{position:absolute;right:16px;top:77px;background:#fff;border-radius:16px;padding:12px;box-shadow:var(--shadow);display:grid;width:min(300px,calc(100vw - 32px));gap:2px}.mobmenu nav a{padding:10px;border-radius:9px;color:var(--pine);font-weight:700;text-decoration:none}.mobmenu nav a:hover{background:var(--sage)}.eyebrow{font-size:.72rem;font-weight:800;letter-spacing:.16em;text-transform:uppercase;color:var(--coral);display:block;margin-bottom:16px}.eyebrow.mint{color:#b8e3d3}.hero{background:var(--forest);position:relative;overflow:hidden;color:white}.hero::before{content:'';position:absolute;left:-190px;top:-260px;width:640px;height:640px;border:1px solid #ffffff20;border-radius:50%;box-shadow:0 0 0 100px #ffffff06,0 0 0 200px #ffffff04;pointer-events:none}.hero-grid{position:relative;display:grid;grid-template-columns:1.06fr .94fr;gap:clamp(25px,4.5vw,74px);align-items:start;padding-top:66px;padding-bottom:80px}.hero h1{max-width:710px;font-size:clamp(2.9rem,5vw,5.4rem);line-height:1.03;margin-bottom:22px}.hero h1 em{color:#c1e4d4;font-weight:400}.hero-lead{color:#e1ede7;font-size:1.08rem;max-width:560px;line-height:1.7}.hero-checks{display:flex;flex-wrap:wrap;gap:7px 10px;margin:24px 0}.hero-checks span{border:1px solid #b2d8ca59;background:#ffffff08;color:#e1f1e9;font-size:.76rem;padding:7px 10px;border-radius:99px}.hero-actions{display:flex;flex-wrap:wrap;gap:10px;margin:26px 0}.hero-actions .btn-outline{color:#fff;border-color:#a4cbbc}.hero-photo{position:relative;max-width:490px;margin-top:37px;isolation:isolate}.hero-photo img{border-radius:120px 16px 90px 16px;width:100%;height:270px;object-fit:cover;object-position:50% 49%;box-shadow:0 18px 35px #0b2a2840}.photo-blob{position:absolute;left:-20px;bottom:-18px;background:#c7dfd3;color:#103d37;border-radius:60px 60px 8px 60px;font:italic 21px Georgia,serif;padding:12px 23px;box-shadow:0 5px 20px #0002}.quote-card{background:#fff;border-radius:26px;padding:clamp(20px,3vw,34px);color:var(--ink);box-shadow:0 25px 65px #031f194a;position:relative}.quote-card h2{font-size:clamp(1.65rem,2.7vw,2.35rem);margin:0 0 8px}.quote-card .eyebrow{margin-bottom:8px}.quote-intro{font-size:.86rem;color:var(--muted);margin-bottom:18px}.quote-tabs{display:grid;grid-template-columns:1fr 1fr 1fr;gap:6px;margin-bottom:18px}.quote-tabs a{border:1px solid var(--line);text-decoration:none;text-align:center;padding:11px 7px;font-size:.75rem;font-weight:800;border-radius:12px;color:var(--pine);white-space:nowrap}.quote-tabs a.active,.quote-tabs a:hover{background:var(--forest);color:#fff;border-color:var(--forest)}.quote-card .disclosure{border-top:1px solid var(--line);padding-top:14px;margin:12px 0 0;font-size:.72rem;color:#5d6e69}.mount-shell{position:relative;min-width:0;max-width:100%}/* No ::before placeholder. External YourQuote provider owns the form. */.mount-shell iframe{max-width:100%!important}.quote-card .mount-shell{min-height:250px}.section{padding:84px 0}.section.soft{background:#eaf2e9}.section.white{background:white}.section.dark{background:var(--pine);color:white}.section-head{max-width:810px;margin-bottom:32px}.section-head p{color:var(--muted);font-size:1.05rem}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{background:#fff;border:1px solid #e0e6dc;padding:28px;border-radius:20px;box-shadow:0 8px 24px #1a46370d;display:flex;flex-direction:column}.card .glyph{background:var(--sage);color:var(--forest);border-radius:13px;width:44px;height:44px;display:grid;place-items:center;font-weight:900;font-size:.95rem;margin-bottom:20px}.card h3{font-size:1.23rem}.card p{color:var(--muted);font-size:.91rem}.card a{margin-top:auto;font-weight:800;font-size:.9rem;text-decoration:none}.card a:hover{text-decoration:underline}.statband{background:#dce9df;padding:28px 0}.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}.stat{border-right:1px solid #b1c7bc;padding:4px 18px 4px 0}.stat:last-child{border:0}.stat strong{font:32px Georgia,serif;display:block;color:var(--forest)}.stat span{font-size:.8rem;color:#4b635a}.newsgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.news{border:1px solid #dae5d8;background:#fff;border-radius:20px;padding:24px}.news small{font-weight:800;color:var(--coral)}.news h3{margin:11px 0}.news p{font-size:.9rem;color:var(--muted)}.news a{font-weight:800}.split{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center}.portraitbox{background:#d7e7df;display:grid;grid-template-columns:1fr .65fr;align-items:end;border-radius:24px;overflow:hidden;min-height:295px}.portraitbox img{height:310px;object-fit:contain;object-position:bottom;align-self:end}.portraitbox blockquote{font:italic 27px/1.22 Georgia,serif;color:var(--forest);margin:0;padding:35px 5px 35px 30px}.callout{background:var(--forest);padding:34px;border-radius:22px;color:white}.callout h2{font-size:2rem;color:#fff}.callout p{color:#d3e4dd}.faq-list{display:grid;gap:10px}.faq-list details{padding:19px 22px;background:white;border:1px solid #dce6db;border-radius:14px}.faq-list summary{cursor:pointer;font-weight:800;color:var(--forest);list-style:none;padding-right:25px;position:relative}.faq-list summary::after{content:'+';position:absolute;right:0;font-size:1.35rem;top:-7px}.faq-list details[open] summary::after{content:'−'}.faq-list details p{padding-top:13px;margin:0;color:#475958;font-size:.92rem}.sitefoot{background:#082522;color:#e8f1eb;padding:62px 0 20px}.footgrid{display:grid;grid-template-columns:1.45fr 1fr 1fr 1fr;gap:38px}.footgrid h3{color:white;font-size:.96rem}.footgrid a{color:#d3e8db;text-decoration:none;display:block;font-size:.85rem;margin:11px 0}.footgrid a:hover{text-decoration:underline}.sitefoot .identity{color:white}.sitefoot .identity-mark{border-color:#a8d0bb;color:#c4ead8}.sitefoot .identity small{color:#bad2c6}.footgrid p{font-size:.82rem;color:#acc4b6;margin:18px 0}.footbottom{border-top:1px solid #ffffff22;margin-top:34px;padding-top:18px;font-size:.72rem;color:#a4b9ad}.footbottom a{color:white}.floating{display:none}.articlehero{background:var(--forest);color:#fff;padding:61px 0 62px;position:relative;overflow:hidden}.articlehero::after{content:'';position:absolute;right:-180px;top:-150px;width:450px;height:450px;border-radius:50%;border:1px solid #ffffff38;box-shadow:0 0 0 70px #ffffff06,0 0 0 150px #ffffff04}.articlehero .wrap{position:relative;z-index:1}.articlehero h1{font-size:clamp(2.5rem,4.5vw,4.5rem);max-width:875px}.articlehero p{color:#d4e7dd;font-size:1.06rem;max-width:730px}.breadcrumb{font-size:.76rem;color:#d2e7dd;margin-bottom:15px}.breadcrumb a{color:#e1f2e8}.articlegrid{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:52px;align-items:start}.articlemain{background:#fff;border:1px solid #e5e8e1;border-radius:24px;padding:clamp(22px,4vw,54px)}.articlemain h2{font-size:clamp(1.65rem,2.5vw,2.3rem);margin:25px 0 15px}.articlemain h2:first-child{margin-top:0}.articlemain h3{margin:22px 0 10px;color:var(--forest)}.articlemain p,.articlemain li{color:#394d4e}.articlemain a{font-weight:700}.articlemain table{border-collapse:collapse;width:100%;font-size:.9rem}.articlemain td,.articlemain th{padding:12px;text-align:left;border-bottom:1px solid #dce4da}.articlemain th{background:#eaf2e9;color:var(--pine)}.articlemain .notice{padding:16px 18px;border-left:4px solid var(--coral);background:#fbf5ed;border-radius:0 10px 10px 0;margin:26px 0}.sidebar{position:sticky;top:112px}.sidebox{background:#e4eee5;border:1px solid #cbdacc;border-radius:20px;padding:25px;margin-bottom:16px}.sidebox h3{font:27px Georgia,serif}.sidebox p{font-size:.9rem;color:#4f635d}.sidebox .btn{width:100%;margin:5px 0}.sidebox a.slim{display:block;font-size:.86rem;margin:11px 0;font-weight:800;text-decoration:none}.asidephoto{width:98px;height:98px;object-fit:cover;border-radius:50%;object-position:top;margin-bottom:12px;background:#e7e4d7}.quote-section{padding:68px 0;background:#e0ebdf}.quote-wrap{max-width:850px;margin:auto;background:#fff;padding:clamp(22px,4vw,46px);border-radius:24px;box-shadow:var(--shadow)}.quote-wrap h2{font-size:2.4rem}.actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:20px}.note{font-size:.82rem;color:#64716e}.linkgrid{display:grid;grid-template-columns:repeat(2,1fr);gap:12px}.linkgrid a{background:#e9f1e9;text-decoration:none;padding:17px;border-radius:14px;font-size:.91rem;font-weight:800}.policy{max-width:900px}.newsfeature{border-left:5px solid var(--coral);padding:16px 22px;background:#f7f3eb;border-radius:0 16px 16px 0;margin:16px 0}.quote-technical{max-width:960px;margin:35px auto 70px;min-height:320px;background:white;border:1px solid #dfe9e0;border-radius:20px;padding:26px}.technical-body{padding:0 0 4px}.technical-body .sitehead{position:static}.technical-body .floating{display:none}.sourcebox{font-size:.79rem;background:#eef3ed;padding:17px;border-radius:12px;margin:25px 0}.sourcebox a{word-break:break-word}.cards.two{grid-template-columns:repeat(2,1fr)}.numbered{counter-reset:st}.numbered>li{padding-left:8px;margin-bottom:12px}.mini-kicker{color:#5c7670;font-size:.8rem;font-weight:800;letter-spacing:.1em;text-transform:uppercase}.date{font-weight:800;color:var(--coral);font-size:.77rem;letter-spacing:.08em;text-transform:uppercase}
@media(max-width:1180px){.nav{gap:12px}.nav a{font-size:.77rem}.headphone{display:none}}@media(max-width:1140px){.nav,.headcta .btn{display:none}.mobmenu{display:block}.headphone{display:inline-block}}@media(max-width:920px){.nav,.headcta .btn{display:none}.mobmenu{display:block}.headphone{display:inline-block}.hero-grid{grid-template-columns:1fr 1fr;gap:25px}.cards,.newsgrid{grid-template-columns:repeat(2,1fr)}.articlegrid{grid-template-columns:1fr}.sidebar{position:static;display:grid;grid-template-columns:1fr 1fr;gap:15px}.footgrid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:690px){.topline{display:none}.wrap{width:min(100% - 28px,1200px)}.headinner{min-height:72px}.identity{min-width:0}.identity strong{font-size:1rem}.identity small{font-size:.57rem}.identity-mark{height:38px;width:38px;font-size:23px;border-radius:10px 2px 10px 2px}.headphone{font-size:.88rem}.hero-grid{grid-template-columns:1fr;padding-top:21px;padding-bottom:48px}.hero h1{font-size:clamp(2.5rem,9vw,4.2rem)}.hero-lead{font-size:.98rem}.hero-copy{order:2}.hero .quote-card{order:1;padding:20px;margin:0}.quote-card .mount-shell{min-height:235px}.hero-photo{margin-top:32px;max-width:420px}.hero-photo img{height:210px}.photo-blob{font-size:17px}.section{padding:59px 0}.statband{padding:20px 0}.stats{grid-template-columns:repeat(2,1fr)}.stat:nth-child(2){border:0}.stat strong{font-size:27px}.cards,.newsgrid,.split,.linkgrid,.sidebar{grid-template-columns:1fr}.portraitbox{max-width:440px}.footgrid{grid-template-columns:1fr 1fr;gap:28px}.footgrid>:first-child{grid-column:1 / -1}.sitefoot{padding-bottom:78px}.articlehero{padding:42px 0}.articlemain{padding:22px}.articlegrid{gap:18px}.quote-technical{margin:16px auto 45px;padding:18px}.floating{display:grid;position:fixed;bottom:0;left:0;right:0;grid-template-columns:1fr 1fr;gap:8px;z-index:40;padding:9px max(12px,env(safe-area-inset-left));padding-bottom:max(9px,env(safe-area-inset-bottom));background:#fff;box-shadow:0 -8px 28px #07292128}.floating a{padding:11px;font-size:.8rem}.hero-actions{margin-bottom:10px}.quote-wrap{padding:22px}}@media(max-width:370px){.identity small{display:none}.headphone{font-size:.76rem}.quote-tabs a{font-size:.68rem;padding:9px 4px}}
/* ===== Oct 22, 2026 update ===== */
.tl-actions{display:flex;gap:6px;align-items:center}
.tl-btn{display:inline-flex;align-items:center;justify-content:center;padding:4px 11px;border:1px solid #ffffff33;border-radius:99px;text-decoration:none;font-size:.74rem;white-space:nowrap}
.tl-btn:hover{background:#ffffff14}
.nav{gap:17px}
.foot-office{color:#d3e8db!important;line-height:1.7}
.foot-office strong{color:#fff}
.advisor-badge{padding:30px 8px 30px 28px;color:var(--forest);align-self:center}
.advisor-badge strong{display:block;font:30px/1.1 'DM Serif Display',Georgia,serif;font-weight:400;margin-bottom:8px}
.advisor-badge span{display:block;font-size:.86rem;color:#3f5a52;margin:3px 0}
.advisor-badge span.langs{display:inline-block;margin-top:14px;background:#fff;border-radius:99px;padding:6px 12px;font-weight:700;color:var(--forest)}
.profilecard{display:grid;grid-template-columns:150px 1fr;gap:24px;align-items:center;background:#eef4ee;border:1px solid #d8e4d9;border-radius:20px;padding:22px;margin:0 0 30px}
.profilecard img{width:150px;height:150px;object-fit:cover;object-position:top;border-radius:18px;background:#dbe7dd}
.articlemain .profilecard h2{margin:0 0 4px;font-size:1.9rem}
.profilecard .creds{font-weight:800;color:var(--coral);font-size:.78rem;letter-spacing:.08em;text-transform:uppercase;margin-bottom:12px}
.factlist{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:1fr 1fr;gap:4px 18px;font-size:.88rem}
.factlist li{margin:0;padding-left:20px;position:relative}
.factlist li::before{content:'✓';position:absolute;left:0;color:var(--forest);font-weight:800}
.officegrid{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin:8px 0 18px}
.officegrid div{background:#eef4ee;border-radius:14px;padding:16px 18px;font-size:.92rem}
.officegrid strong{display:block;color:var(--forest)}
@media(max-width:1180px){.nav{gap:11px}}
@media(max-width:690px){
.topline{display:block;padding:7px 0}
.topline .wrap{display:block}
.tl-tag,.tl-num{display:none}
.tl-actions{display:grid;grid-template-columns:repeat(3,1fr);gap:6px}
.tl-btn{padding:8px 4px;font-size:.76rem;background:#ffffff10}
.profilecard{grid-template-columns:1fr}
.profilecard img{width:120px;height:120px}
.factlist,.officegrid{grid-template-columns:1fr}
.advisor-badge{padding:24px 6px 24px 20px}
.advisor-badge strong{font-size:24px}
}
@media(max-width:1320px){.headphone{display:none}}
@media(max-width:1140px){.headphone{display:inline-block}}
.mobmenu summary,.headcta .btn{white-space:nowrap}
@media(max-width:370px){.mobmenu summary{padding:8px 10px}}