:root{--ink:#142E43;--paper:#fff;--navy:#142E43;--copper:#A83F25;--muted:#526371;--line:#D9E1E6;--soft:#EEF3F6;--white:#fff;--max:1240px;color-scheme:light}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:2rem}body{margin:0;background:var(--paper);color:var(--ink);font:17px/1.75 system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif}a{color:var(--copper);text-underline-offset:.23em}a:hover{text-decoration-thickness:2px}button,input,select,textarea{font:inherit}button,a{-webkit-tap-highlight-color:transparent}a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,summary:focus-visible,[tabindex]:focus-visible{outline:3px solid #BC6528;outline-offset:5px}[hidden]{display:none!important}img{max-width:100%;height:auto;display:block}h1,h2,h3,p{margin-top:0}h1,h2,h3{font-family:inherit;color:inherit}h1{font-size:clamp(2.45rem,4.6vw,4rem);line-height:1.06;letter-spacing:-.055em;font-weight:700;margin-bottom:1.5rem}h2{font-size:clamp(1.85rem,3.1vw,2.7rem);line-height:1.15;letter-spacing:-.04em;font-weight:650;margin-bottom:1.35rem}h3{font-size:1.15rem;line-height:1.35;letter-spacing:-.025em}p{margin-bottom:1.2rem}ul,ol{padding-left:1.3rem}li{margin:.45rem 0}small,.small{font-size:.85rem}.wrap{width:min(calc(100% - 4rem),var(--max));margin-inline:auto}.skip{position:absolute;left:1rem;top:-10rem;z-index:99;background:var(--navy);color:#fff;padding:.7rem 1rem}.skip:focus{top:1rem}.site-header{background:white;border-top:5px solid var(--copper);border-bottom:1px solid var(--line)}.header-inner{min-height:90px;display:flex;align-items:center;justify-content:space-between;gap:2rem}.brand{display:inline-flex;align-items:center;gap:.75rem;text-decoration:none;color:var(--navy);flex-shrink:0}.brand-mark{display:grid;place-items:center;width:44px;height:44px;color:var(--copper)}.brand-mark svg{width:42px;height:42px}.brand-copy{display:block;font-size:1.1rem;line-height:1.2;font-weight:750;letter-spacing:-.04em}.brand-copy small{display:block;font-size:.65rem;letter-spacing:.22em;text-transform:uppercase;font-weight:500;margin-top:.25rem;color:var(--muted)}.nav{display:flex;align-items:center;gap:1.8rem}.nav a{color:var(--ink);font-size:.88rem;font-weight:550;text-decoration:none}.nav a:hover,.nav a[aria-current=page]{text-decoration:underline}.nav .button{color:white}.nav-toggle{display:none;padding:.5rem .9rem;border:1px solid var(--line);background:white;border-radius:2px;color:var(--ink)}.button{display:inline-flex;align-items:center;justify-content:center;gap:.75rem;min-height:50px;padding:.8rem 1.35rem;background:var(--copper);color:white;border:1px solid var(--copper);border-radius:2px;text-decoration:none;font-size:.9rem;font-weight:650;line-height:1.3;cursor:pointer}.button:hover{background:#86321E;border-color:#86321E;text-decoration:none}.button.secondary{color:var(--navy);background:white;border-color:var(--navy)}.button.secondary:hover{background:var(--soft)}.actions{display:flex;align-items:center;gap:.8rem;flex-wrap:wrap;margin:1.5rem 0}.eyebrow{font-size:.72rem;letter-spacing:.15em;text-transform:uppercase;font-weight:750;color:var(--copper);margin-bottom:1rem}.lead{font-size:1.09rem;line-height:1.75;color:var(--muted)}.hero{padding:3.3rem 0 0}.hero-heading{display:grid;grid-template-columns:1.4fr 1fr;gap:4rem;align-items:end;padding-bottom:2rem}.hero h1{margin-bottom:0;max-width:740px}.hero h1 em{font-style:normal;color:var(--copper)}.hero-copy{padding-bottom:.15rem}.hero-copy .actions{margin-bottom:0}.hero-photo{margin:0;position:relative}.hero-photo img{width:100%;height:auto;aspect-ratio:2.05;object-fit:cover;object-position:center 25%;border-radius:0}.photo-caption{display:flex;justify-content:space-between;gap:1rem;padding:.8rem 0;font-size:.74rem;border-bottom:1px solid var(--line);color:var(--muted)}.photo-caption strong{font-weight:600;color:var(--navy)}.trust-strip{display:flex;align-items:center;justify-content:space-between;gap:1.5rem;padding:1.1rem 0;font-size:.79rem;color:var(--muted)}.trust-strip span{display:flex;align-items:center;gap:.6rem}.trust-strip span:before{content:"";height:5px;width:5px;background:var(--copper);display:block}.quick-start{display:grid;grid-template-columns:1fr 1.25fr auto;align-items:center;gap:1.5rem;background:var(--navy);color:white;padding:1.8rem 2rem;margin-top:1.3rem}.quick-start label{font-size:1.05rem;font-weight:600;letter-spacing:-.015em}.quick-start label small{display:block;font-size:.78rem;font-weight:400;color:#BCCAD4;margin-top:.2rem}.quick-start select{min-width:0;width:100%;padding:.85rem 1rem;background:white;border:1px solid white;border-radius:2px;color:var(--ink);font-size:.9rem}.quick-start .button{background:#fff;color:var(--navy);border-color:#fff}.quick-start .button:hover{background:#DDE8EF}.section{padding:5rem 0}.section-top{display:flex;justify-content:space-between;gap:3rem;align-items:end;margin-bottom:2.5rem}.section-top h2{margin-bottom:0}.section-top>p{max-width:400px;color:var(--muted);margin-bottom:.2rem}.section-top>a{font-size:.9rem;white-space:nowrap}.cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1.7rem}.card{display:flex;flex-direction:column;color:var(--ink);text-decoration:none;padding:1.7rem;background:#fff;border:1px solid var(--line);border-top:3px solid var(--navy);border-radius:0;transition:box-shadow .16s,border-color .16s}.card:hover{border-color:var(--copper);box-shadow:0 8px 28px #142e4310;text-decoration:none}.card .eyebrow{font-size:.63rem;margin-bottom:1.25rem}.card .number{font-size:2.1rem;color:var(--copper);line-height:1;margin-bottom:1.5rem;font-weight:350}.card h3{font-size:1.3rem;font-weight:650;line-height:1.32;margin-bottom:.9rem}.card p{font-size:.89rem;line-height:1.7;color:var(--muted)}.card .link-text{font-size:.8rem;font-weight:650;color:var(--copper);margin-top:auto;padding-top:.3rem}.basics-cards .card{border:none;border-top:1px solid var(--line);padding:1.6rem 0 0;background:transparent}.basics-cards .card:hover{box-shadow:none;border-color:var(--copper)}.tinted{background:var(--soft)}.dark-section{background:var(--navy);color:#fff}.dark-section .eyebrow{color:#F0B394}.dark-section p{color:#CEDAE3}.dark-section h2{color:white}.dark-section a{color:white}.dark-section .button{background:#fff;color:var(--navy);border-color:#fff}.coast-panel{display:grid;grid-template-columns:1fr 1.15fr;gap:5rem;align-items:center}.editorial-photo{margin:0}.editorial-photo img{width:100%;height:450px;object-fit:cover;border-radius:0}.editorial-photo figcaption{font-size:.72rem;color:var(--muted);margin-top:.6rem}.dark-section .editorial-photo figcaption{color:#C1CED9}.link-list{padding:0;list-style:none;margin:1.8rem 0 0}.link-list li{padding:.85rem 0;border-top:1px solid #526779;margin:0}.link-list a{text-decoration:none;font-size:.93rem;display:flex;justify-content:space-between;gap:1rem}.link-list a:after{content:"↗"}.link-list a:hover{text-decoration:underline}.split{display:grid;grid-template-columns:1fr 1fr;align-items:start;gap:4rem}.property-feature{display:grid;grid-template-columns:1fr 1fr;gap:4rem;align-items:center}.property-feature .editorial-photo img{height:520px}.property-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:0 2.5rem}.property-item{display:flex;align-items:center;justify-content:space-between;gap:1rem;color:var(--ink);padding:1rem 0;border-bottom:1px solid var(--line);text-decoration:none;font-size:.93rem;font-weight:550}.property-item span:last-child{font-size:1.2rem;color:var(--copper)}.property-item:hover{color:var(--copper)}.property-feature .property-grid{grid-template-columns:1fr}.quote-panel{background:var(--soft);padding:2.5rem;border-left:4px solid var(--copper)}.quote-panel ol{padding-left:1.3rem}.quote-panel li{margin-bottom:1rem}.quote-panel .small{color:var(--muted)}.author-band{display:flex;align-items:center;gap:1.5rem;padding:2rem 0;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.author-initials{flex:0 0 55px;height:55px;display:grid;place-items:center;background:var(--navy);color:white;font-weight:600;font-size:1.1rem}.author-band p{font-size:.89rem;margin:.4rem 0 0;color:var(--muted);max-width:920px}.author-band a{font-weight:600}.closing-section{background:#F6EDE8;border-top:1px solid #E8D4C9}.closing-section .split{align-items:center}.closing-section h2{max-width:660px}.closing-section p{color:var(--muted)}.closing-section .actions{justify-content:flex-end}.site-footer{background:#0E2333;color:#fff;padding:3.7rem 0 1.8rem}.footer-top{display:grid;grid-template-columns:2fr 1fr 1fr;gap:3rem;padding-bottom:2.5rem}.site-footer .brand{color:white;margin-bottom:1.3rem}.site-footer .brand-mark{color:#F0B394}.site-footer .brand-copy small{color:#9FB2C1}.site-footer p{font-size:.85rem;color:#BBCAD4}.site-footer a{color:#fff}.footer-links{display:flex;flex-direction:column;gap:.55rem;font-size:.84rem}.footer-links h3{font-size:.75rem;text-transform:uppercase;letter-spacing:.14em;color:#F0B394;margin-bottom:.65rem}.footer-links a{text-decoration:none}.footer-links a:hover{text-decoration:underline}.footer-bottom{border-top:1px solid #334A5C;padding-top:1.8rem}.footer-bottom p{font-size:.76rem;color:#BBCAD4;line-height:1.8}.footer-legal{display:flex;justify-content:space-between;gap:2rem;flex-wrap:wrap;border-top:1px solid #334A5C;padding-top:1.3rem;margin-top:1.5rem}.footer-legal .copyright{font-size:.73rem;margin:0}.footer-legal nav{display:flex;gap:1.6rem;font-size:.78rem}.footer-call{display:inline-flex;padding:.6rem 1rem;border:1px solid #879EAE;text-decoration:none;font-size:.84rem}.breadcrumb{display:flex;flex-wrap:wrap;align-items:center;gap:.6rem;font-size:.77rem;color:var(--muted);padding:1.6rem 0}.breadcrumb a{color:var(--muted)}.page-intro{max-width:1000px;padding:2.2rem 0 3rem;border-bottom:1px solid var(--line);margin-bottom:3rem}.page-intro h1{max-width:950px;font-size:clamp(2.4rem,4.3vw,3.6rem)}.page-intro .lead{max-width:890px}.article-meta{display:flex;gap:1.4rem;flex-wrap:wrap;font-size:.77rem;color:var(--muted);margin-top:2rem}.article-meta a{color:var(--ink);font-weight:600}.article-layout{display:grid;grid-template-columns:245px minmax(0,810px);gap:4rem;align-items:start;padding-bottom:3rem}.article-content{grid-column:2;grid-row:1;min-width:0}.article-content section>h2{font-size:1.8rem;margin-top:2.8rem;line-height:1.25}.article-content>section:first-child>h2{margin-top:0}.article-content h3{font-size:1.16rem;margin-top:2rem}.article-content p,.article-content li{line-height:1.9}.article-content a{overflow-wrap:anywhere}.article-sidebar{grid-column:1;grid-row:1;border-top:3px solid var(--copper);padding:1.5rem 0;position:sticky;top:2rem;max-height:calc(100vh - 4rem);overflow-y:auto}.article-sidebar h2{font-size:.85rem;letter-spacing:.06em;text-transform:uppercase;font-weight:750;margin-bottom:1.5rem}.article-sidebar ol{padding-left:1.1rem;font-size:.77rem}.article-sidebar li{margin-bottom:.7rem}.article-sidebar a{color:var(--muted);text-decoration:none}.article-sidebar a:hover{color:var(--copper);text-decoration:underline}.article-sidebar p{font-size:.8rem;color:var(--muted)}.article-sidebar .button:focus-visible{outline-offset:-6px;outline-color:white}.article-sidebar .button{color:white;width:100%;font-size:.82rem}.sidebar-contact{padding-top:1.5rem}.sidebar-contact hr{border:0;border-top:1px solid var(--line);margin-bottom:1.5rem}.inline-cta{background:var(--navy);color:white;padding:2rem;margin:2.8rem 0}.inline-cta h2{font-size:1.75rem}.inline-cta p{color:#D1DEE7;font-size:.95rem}.inline-cta .button{background:white;color:var(--navy);border-color:white}.table-wrap{max-width:100%;overflow-x:auto;border:1px solid var(--line);margin:1.8rem 0}table{width:100%;border-collapse:collapse;font-size:.88rem;background:white;min-width:520px}th,td{padding:1rem;text-align:left;vertical-align:top;border-bottom:1px solid var(--line)}th{background:var(--soft);font-weight:650}tr:last-child td{border-bottom:0}caption{text-align:left;padding:1rem;font-weight:600}.faq-list{margin-top:1.8rem;border-top:2px solid var(--navy)}.faq-list details{border-bottom:1px solid var(--line);padding:1.2rem 0}.faq-list summary{cursor:pointer;font-size:1rem;font-weight:600;line-height:1.6}.faq-list details p{margin:1rem 0 .3rem;font-size:.95rem;color:var(--muted)}.source-list{font-size:.83rem;word-break:break-word}.source-list li{margin-bottom:.8rem}.editorial-note{border-top:1px solid var(--line);padding-top:1.4rem;margin-top:2rem;font-size:.8rem;color:var(--muted)}.guide-group{padding-bottom:4rem}.guide-group h2{font-size:1.9rem;margin-bottom:1.8rem}.guide-group .card h3{font-size:1.13rem}.guide-group .card p{font-size:.86rem}.guide-search{max-width:620px;margin-top:2rem}.guide-search label{display:block;font-weight:600;margin-bottom:.5rem;font-size:.85rem}.guide-search input{width:100%;padding:.85rem 1rem;border:1px solid #93A6B3;border-radius:2px;background:white;color:var(--ink)}.search-status{font-size:.78rem;color:var(--muted);margin-top:.6rem}.tag-row{display:flex;flex-wrap:wrap;gap:.6rem;margin-top:1.8rem}.tag{padding:.5rem .9rem;text-decoration:none;background:var(--soft);border-bottom:2px solid #CEDCE5;color:var(--ink);font-size:.8rem}.tag:hover{border-color:var(--copper)}.page-copy{max-width:840px;padding-bottom:4rem}.page-copy h2{font-size:1.8rem;margin-top:2.5rem}.page-copy h3{margin-top:1.8rem}.page-copy a,.contact-detail{overflow-wrap:anywhere}.glossary dt{font-size:1.15rem;font-weight:650;margin-top:1.7rem}.glossary dd{margin:.5rem 0 0;color:var(--muted)}.coast-note,.callout,.legal-draft{background:var(--soft);border-left:3px solid var(--copper);padding:1.2rem 1.5rem}.quote-grid{display:grid;grid-template-columns:minmax(0,1fr) 290px;gap:3rem;padding-bottom:5rem}.quote-grid>*{min-width:0}.quote-box{background:var(--soft);padding:2rem;border-top:4px solid var(--navy)}.quote-box h2{font-size:2rem}.quote-tips h2{font-size:1.6rem}.quote-tips li{font-size:.9rem}.quote-tips p{color:var(--muted)}.jotform-frame{display:block;width:100%;max-width:100%;height:900px;min-height:650px;border:0;background:white}.site-notice{font-size:.84rem;color:var(--muted)}.print-only{display:none}
@media(max-width:1050px){.nav{gap:1rem}.nav a{font-size:.8rem}.brand-copy{font-size:1rem}.hero-heading{gap:2rem}.article-layout{grid-template-columns:210px minmax(0,1fr);gap:2.5rem}.coast-panel{gap:3rem}.property-feature{gap:3rem}.hero-photo img{aspect-ratio:1.9}}
@media(max-width:850px){.wrap{width:calc(100% - 2.5rem)}.header-inner{flex-wrap:wrap;min-height:80px;padding:1rem 0;gap:1rem}.nav-toggle{display:block}.nav{display:none;width:100%;flex-direction:column;align-items:stretch;gap:.4rem;padding:.5rem 0}.nav.open{display:flex}.nav a{padding:.55rem;font-size:.9rem}.hero-heading{grid-template-columns:1fr;gap:1.5rem;padding-bottom:1.8rem}.hero-copy{max-width:660px}.hero{padding-top:2.5rem}.hero h1{font-size:clamp(2.6rem,6.3vw,3.5rem);max-width:760px}.hero h1 br:last-of-type{display:none}.hero-photo img{aspect-ratio:1.6}.quick-start{grid-template-columns:1fr auto;gap:1rem;padding:1.5rem}.quick-start label{grid-column:1/-1}.trust-strip{flex-wrap:wrap;justify-content:flex-start;gap:.5rem 1.3rem}.section{padding:3.5rem 0}.cards{grid-template-columns:repeat(2,minmax(0,1fr));gap:1.2rem}.basics-cards{grid-template-columns:1fr}.basics-cards .card{display:grid;grid-template-columns:45px 1fr;column-gap:1rem}.basics-cards .card .number{grid-row:1/4}.basics-cards .card h3,.basics-cards .card p,.basics-cards .card .link-text{grid-column:2}.coast-panel,.split,.property-feature,.quote-grid{grid-template-columns:1fr;gap:2.5rem}.property-feature .editorial-photo img{height:400px}.property-feature .property-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.closing-section .actions{justify-content:flex-start}.article-layout{grid-template-columns:1fr;gap:2rem}.article-content{grid-column:1;grid-row:2}.article-sidebar{grid-column:1;grid-row:1;position:static;max-height:none;background:var(--soft);padding:1.3rem 1.5rem}.article-sidebar ol{columns:2;column-gap:2rem}.article-sidebar li{break-inside:avoid}.article-sidebar .sidebar-contact{display:none}.footer-top{grid-template-columns:1.5fr 1fr 1fr;gap:1.5rem}.page-intro{padding-top:1.6rem;margin-bottom:2rem;padding-bottom:2rem}}
@media(max-width:540px){body{font-size:16px}.wrap{width:calc(100% - 2rem)}.brand-copy{font-size:.95rem}.brand-copy small{font-size:.58rem}.brand-mark{width:33px;height:36px}.brand-mark svg{width:34px}.header-inner{min-height:74px}.hero{padding-top:2rem}.hero h1{font-size:2.45rem}.hero h1 br{display:none}.hero-copy .lead{font-size:1rem}.hero-photo img{aspect-ratio:1.5;object-position:center}.photo-caption{font-size:.67rem;gap:.8rem}.photo-caption span{max-width:50%}.hero-copy .actions{display:grid;grid-template-columns:1fr 1fr;gap:.65rem}.hero-copy .button{font-size:.79rem;padding:.75rem .65rem}.eyebrow{font-size:.65rem}.quick-start{grid-template-columns:1fr;padding:1.25rem;gap:.85rem}.quick-start .button{width:100%}.trust-strip{font-size:.69rem;gap:.4rem 1rem}.cards{grid-template-columns:1fr}.section-top{display:block;margin-bottom:2rem}.section-top>p,.section-top>a{display:block;margin-top:1.1rem}.section{padding:3rem 0}.card{padding:1.4rem}.card h3{font-size:1.2rem}.coast-panel .editorial-photo img{height:320px}.property-feature .editorial-photo img{height:330px}.property-feature .property-grid,.property-grid{grid-template-columns:1fr}.quote-panel{padding:1.5rem}.closing-section .actions{display:grid}.footer-top{grid-template-columns:1fr 1fr;gap:2rem}.footer-top>div:first-child{grid-column:1/-1}.footer-legal{display:block}.footer-legal nav{margin-top:1rem}.page-intro h1{font-size:2.25rem}.page-intro .lead{font-size:1rem}.breadcrumb{font-size:.7rem}.article-meta{gap:.5rem 1rem;font-size:.7rem}.article-sidebar ol{columns:1}.article-content section>h2{font-size:1.55rem}.article-content p,.article-content li{line-height:1.8}.inline-cta{padding:1.5rem}.inline-cta h2{font-size:1.5rem}.author-band{align-items:flex-start;gap:1rem}.author-initials{flex-basis:44px;height:44px;font-size:.9rem}.author-band p{font-size:.83rem}.quote-box{padding:1.3rem}.jotform-frame{min-height:700px}.guide-group{padding-bottom:3rem}.tag{font-size:.72rem;padding:.45rem .7rem}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}@media print{body{background:white;color:#111;font-size:11pt}.site-header,.site-footer,.article-sidebar,.actions,.breadcrumb,.no-print,.inline-cta{display:none}.wrap{width:100%;max-width:none}.article-layout,.hero-heading,.split,.quote-grid{display:block}.page-intro{padding:0}.page-intro h1{font-size:28pt}.card{break-inside:avoid}.faq-list details p{display:block}.print-only{display:block}}

.hero-phone{margin:1.25rem 0 0;font-size:.88rem;color:var(--muted)}.hero-phone a{font-weight:650}.footer-links a{overflow-wrap:anywhere}.quote-box.form-enabled{padding:1.5rem}.quote-box.form-enabled .jotform-frame{min-height:650px}@media(max-width:560px){.quote-box.form-enabled{padding:1.1rem .35rem}.quote-box.form-enabled h2,.quote-box.form-enabled>p{padding-inline:.4rem}}
