.process-demo{margin:0;padding:26px 20px;background:var(--soft);border-top:4px solid var(--teal)}.process-demo figcaption{font-family:Manrope,sans-serif;font-size:1.6rem;font-weight:700;line-height:1.25;letter-spacing:-.03em;margin-bottom:24px}.demo-flow{display:grid;gap:10px}.demo-node{background:white;border:1px solid #b8d5d2;padding:18px;display:flex;gap:16px;align-items:center;min-height:68px}.demo-node span{color:#087b76;font-size:.8125rem;font-weight:700}.demo-node strong{font-size:1.0625rem}.demo-arrow{text-align:center;color:#087b76;font-size:1.4rem;line-height:1}.process-demo .demo-label{font-size:.8125rem;line-height:1.5;margin:18px 0 0;color:var(--muted)}
.join-header{display:none;background:var(--teal);color:#071c1b;font-size:.875rem;font-weight:700;padding:10px 14px;min-height:44px}.recruiting-feature{background:var(--dark);color:white}.recruiting-layout{display:grid;grid-template-columns:1.25fr .75fr;gap:70px;align-items:center}.recruiting-layout .eyebrow{color:#65e2d8}.recruiting-layout p:not(.eyebrow){color:#c8ddda;max-width:610px}.recruiting-note{border:1px solid #385251;border-top:4px solid var(--teal);padding:32px}.recruiting-note h3{font-size:1.8rem;line-height:1.3}.recruiting-feature .button{margin-top:12px}.recruiting-feature .text-link{color:#65e2d8}@media(max-width:1100px){.navigation nav{gap:16px}.navigation .header-phone{display:none}}@media(max-width:850px){.join-header{display:inline-flex;align-items:center;justify-content:center}.navigation .brand{order:0}.join-header{order:1}.menu-toggle{order:2}.navigation nav{order:3;gap:0}.recruiting-layout{grid-template-columns:1fr;gap:28px}.recruiting-note{padding:26px}.hero .actions .button:first-child{width:100%;flex-basis:100%}}@media(max-width:380px){.navigation{gap:10px}.navigation .brand img{width:76px;height:76px}.join-header{padding:10px}.navigation .menu-toggle{padding:8px 10px}}
.hero-small{font-size:.8125rem;color:var(--muted);margin-top:30px}.hero-photo{margin:0;position:relative}.hero-photo img{width:100%;height:480px;object-fit:cover;object-position:52% 55%;border-radius:2px}.hero-photo:before{content:'';display:block;width:100px;height:4px;background:var(--teal);position:absolute;top:-17px;right:0}.hero-photo figcaption{font-size:.8125rem;color:var(--muted);padding-top:12px}.path-bar{background:var(--dark);color:white}.path-bar .wrap{display:grid;grid-template-columns:1.1fr 1fr 1fr 1fr;align-items:center}.path-bar p{font-weight:600;margin:0}.path-bar a{border-left:1px solid #385251;padding:28px 20px;display:flex;justify-content:space-between;font-size:.9375rem}.path-bar span{color:var(--teal)}.section{padding-top:80px;padding-bottom:80px}.section-heading{display:flex;justify-content:space-between;gap:60px;align-items:center;margin-bottom:35px}.section-heading h2{margin-top:10px}.section-heading>p{max-width:355px;color:var(--muted)}.kit-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:26px}.kit-card{display:grid;grid-template-columns:.8fr 1.2fr;border:1px solid var(--line);gap:28px;padding:28px;align-items:center;background:white}.kit-card h3{line-height:1.25}.kit-card p{color:var(--muted);font-size:.9375rem}.kit-card .eyebrow{font-size:.75rem;letter-spacing:.07em}.worksheet{background:#edf3f2;padding:13px;box-shadow:inset 0 0 0 1px #e2ebea}.worksheet img{width:100%;height:auto;box-shadow:0 3px 15px #0a202014}.preview-link{display:block;font-size:.8125rem;margin-top:14px;text-decoration:underline;text-underline-offset:4px;color:var(--muted)}.soft-section{background:var(--soft)}.steps{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:34px;margin-top:38px}.steps article{border-top:1px solid #b8d5d2;padding-top:24px}.step-number{font-family:Manrope,sans-serif;color:#087b76;font-size:1.5rem}.steps h3{margin:18px 0 14px}.steps p{color:var(--muted)}.people-intro{display:grid;grid-template-columns:1.2fr 1fr;gap:90px;align-items:center}.people-intro p{max-width:500px;color:var(--muted)}.office-card{border:1px solid var(--line);border-left:4px solid var(--teal);padding:36px;background:white}.office-card h3{font-size:1.8rem;line-height:1.3}.office-number{font-family:Manrope,sans-serif;font-size:clamp(1.3rem,2.5vw,2rem);font-weight:600;letter-spacing:-.03em}.final-cta{background:var(--teal);padding:56px 0}.final-cta .wrap{display:flex;align-items:center;justify-content:space-between;gap:45px}.final-cta h2{margin:10px 0 20px}.final-cta p{max-width:550px}.final-cta .eyebrow{color:#123f3c}.final-cta .button{background:var(--dark);color:white;border-color:var(--dark);flex-shrink:0}.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:65px}.footer-logo{background:white;margin-bottom:22px}.footer-grid>div>a{display:block;margin-top:12px;font-size:.9375rem}.footer-label{font-size:.8125rem;letter-spacing:.1em;color:#a6c8c4;font-weight:700}.footer-bottom{border-top:1px solid #304b49;margin-top:35px;padding-top:20px;display:flex;gap:25px;flex-wrap:wrap;justify-content:space-between}.footer-bottom .fine{margin-top:0}.photo-credit{font-size:.75rem;color:#b7cdcb;width:100%;max-width:none;line-height:1.7}.page-intro{padding-top:62px;padding-bottom:60px;border-bottom:1px solid var(--line)}.page-intro h1{font-size:clamp(2.6rem,5vw,4.2rem);max-width:900px}.split{display:grid;grid-template-columns:1.15fr .8fr;gap:90px;align-items:center}.split p{color:var(--muted)}.large{max-width:390px;justify-self:center}.useful-list{padding:0;list-style:none}.useful-list li{border-top:1px solid var(--line);padding:18px 0;color:var(--muted)}.useful-list strong{color:var(--ink)}.faq{max-width:860px}.faq details{border-top:1px solid var(--line);padding:20px 0}.faq details:last-child{border-bottom:1px solid var(--line)}.faq summary{cursor:pointer;font-weight:700;min-height:44px;padding:8px 0}.faq details p{color:var(--muted);max-width:720px}.agent-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:32px}.agent-card{border:1px solid var(--line)}.agent-card>img{width:100%;aspect-ratio:1;object-fit:cover;object-position:center top;height:auto;background:var(--soft)}.agent-card>div{padding:24px}.agent-card h2{font-size:1.5rem;margin:0 0 12px}.agent-card p{font-size:.875rem;color:var(--muted);margin:0 0 15px;min-height:47px}.agent-card a{font-weight:700;color:#087b76;text-decoration:underline;text-underline-offset:5px;display:inline-block;min-height:44px;padding:8px 0}.directory-note{font-size:.875rem;color:var(--muted);padding-bottom:40px}.signup-layout{display:grid;grid-template-columns:.8fr 1.2fr;gap:65px;align-items:start;scroll-margin-top:20px}.signup-layout>div:first-child{padding-top:30px}.form-panel{background:white;border:1px solid var(--line);padding:12px;min-width:0}.form-panel p{font-size:.875rem;text-align:center}.form-panel a{text-decoration:underline}.delivery-steps{padding:0;list-style:none;margin:30px 0}.delivery-steps li{border-top:1px solid #b8d5d2;padding:17px 0;display:flex;gap:18px}.delivery-steps span{color:#087b76;font-weight:700}.fine{font-size:.8125rem;color:var(--muted)}.tool-grid,.contact-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:28px}.tool-card,.contact-card{padding:34px;border:1px solid var(--line);background:white}.tool-card p,.contact-card p{color:var(--muted)}.tool-card h2{font-size:1.8rem}.tool-card:hover{border-color:#087b76}address{font-style:normal;font-size:1rem;margin-top:25px}nav a[aria-current=page]{text-decoration:underline;text-decoration-color:var(--teal);text-decoration-thickness:3px;text-underline-offset:8px}@media(min-width:851px){.hero{gap:65px}}@media(max-width:1000px){.kit-card{grid-template-columns:1fr}.worksheet{max-width:220px}.large{max-width:330px}.signup-layout{gap:32px}.split{gap:50px}.hero-photo img{height:400px}}@media(max-width:850px){.hero-photo{margin-top:10px}.hero-photo img{height:290px}.hero-small{margin-top:24px}.path-bar .wrap{grid-template-columns:1fr}.path-bar p{padding:22px 0 12px}.path-bar a{border-left:none;border-top:1px solid #385251;padding:18px 0}.section{padding-top:48px;padding-bottom:48px}.section-heading{display:block;margin-bottom:25px}.section-heading>p{max-width:none}.kit-grid,.people-intro,.split,.signup-layout,.contact-grid{grid-template-columns:1fr;gap:28px}.kit-card{grid-template-columns:.7fr 1fr;gap:20px;padding:22px}.steps{grid-template-columns:1fr;gap:18px}.steps article{padding-top:20px}.steps p{margin-bottom:12px}.office-card{padding:28px}.final-cta{padding:40px 0}.final-cta .wrap{display:block}.final-cta .button{margin-top:12px}.footer-grid{grid-template-columns:1fr 1fr;gap:35px}.footer-grid>div:first-child{grid-column:1/-1}.page-intro{padding-top:35px;padding-bottom:38px}.agent-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:20px}.agent-card>div{padding:20px}.signup-layout>div:first-child{padding-top:0}.form-panel{padding:3px}.large{max-width:360px}.tool-grid{grid-template-columns:1fr}.tool-card,.contact-card{padding:26px}}@media(max-width:480px){.kit-card{grid-template-columns:1fr}.kit-card .worksheet{max-width:190px}.agent-grid{grid-template-columns:1fr}.agent-card>img{max-height:380px;object-fit:contain}.agent-card p{min-height:0}.footer-grid{grid-template-columns:1fr;gap:28px}.footer-grid>div:first-child{grid-column:auto}.actions .button{flex:1}.photo-credit{overflow-wrap:anywhere}.hero-photo img{height:260px}}@media(min-width:851px) and (max-width:1050px){nav{gap:18px}.header-phone{display:none}}
:root{--teal:#00b5ab;--ink:#101919;--muted:#526464;--line:#d9e4e3;--paper:#fff;--soft:#eff8f7;--dark:#081b1b;font-family:'DM Sans',sans-serif;color:var(--ink);background:var(--paper)}*{box-sizing:border-box}body{margin:0;font-size:1rem;line-height:1.65}a{color:inherit;text-decoration:none}button,input{font:inherit}img{max-width:100%;display:block}h1,h2,h3{font-family:Manrope,sans-serif;line-height:1.12;letter-spacing:-.04em}h1{font-size:clamp(2.6rem,5.3vw,4.8rem);font-weight:600;margin:.7rem 0 1.5rem}h2{font-size:clamp(1.8rem,3vw,2.8rem)}h3{font-size:1.4rem}.wrap{width:min(1200px,calc(100% - 40px));margin:auto}.navigation{min-height:112px;display:flex;align-items:center;gap:28px;flex-wrap:wrap}.brand{margin-right:auto}.brand img{object-fit:contain}nav{display:flex;gap:28px;align-items:center}nav a{font-size:.9375rem;font-weight:600}nav a:hover,.text-link:hover{color:#087b76}.header-phone{font-size:.9375rem;font-weight:700;padding:12px 16px;border:1px solid var(--line)}.menu-toggle{display:none;background:white;border:1px solid var(--line);min-height:44px;padding:8px 16px}.hero{padding-top:76px;padding-bottom:86px;display:grid;grid-template-columns:1.15fr 1fr;gap:75px;align-items:center}.eyebrow,.label{font-size:.8125rem;font-weight:700;letter-spacing:.11em;color:#087b76}.lede{font-size:1.125rem;max-width:540px;color:var(--muted)}.actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:30px}.button{display:inline-flex;justify-content:center;align-items:center;padding:14px 24px;min-height:50px;background:var(--teal);color:#071c1b;border:1px solid var(--teal);font-weight:700;font-size:.9375rem}.button:hover{background:#19c9bf}.button.outline{background:transparent;border-color:var(--ink)}.hero-note{background:var(--soft);border-top:4px solid var(--teal);padding:38px}.hero-note h2{font-size:2.25rem;line-height:1.35}.hero-note p{color:var(--muted)}.text-link{font-weight:700;text-decoration:underline;text-underline-offset:5px}footer{background:var(--dark);color:white;padding:50px 0}footer p{margin:10px 0}footer .fine{font-size:.8125rem;color:#b7cdcb;margin-top:28px}.footer-links{display:flex;gap:20px}footer a{text-decoration:underline;text-underline-offset:4px}.skip{position:absolute;left:20px;top:-100px;background:white;padding:12px;z-index:10}.skip:focus{top:12px}:focus-visible{outline:3px solid #087b76;outline-offset:5px}@media(max-width:850px){.navigation{gap:16px;min-height:96px}.header-phone{display:none}.menu-toggle{display:block}nav{display:none;width:100%;padding-bottom:22px;align-items:stretch}nav.open{display:flex;flex-direction:column;gap:0}nav a{padding:12px 0;border-top:1px solid var(--line)}.hero{padding-top:40px;padding-bottom:50px;grid-template-columns:1fr;gap:32px}.hero-note{padding:28px}.hero-note h2{font-size:1.8rem}}@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important}}
.support-intro{max-width:660px;margin-bottom:32px}.support-layout{display:grid;grid-template-columns:1fr 1fr;gap:70px;align-items:center}.orientation-demo{margin:0;background:white;border:1px solid var(--line);border-top:4px solid var(--teal);padding:30px}.orientation-demo figcaption{font-family:Manrope,sans-serif;font-size:1.5rem;font-weight:700;line-height:1.3}.orientation-demo ol{list-style:none;counter-reset:lesson;padding:0;margin:20px 0}.orientation-demo li{counter-increment:lesson;border-top:1px solid var(--line);padding:14px 0;display:flex;gap:14px;align-items:baseline}.orientation-demo li:before{content:counter(lesson,decimal-leading-zero);color:#087b76;font-weight:700;font-size:.8125rem}.orientation-demo .demo-label{font-size:.8125rem;color:var(--muted);margin-bottom:0}.broker-support{display:grid;grid-template-columns:280px 1fr;gap:65px;align-items:center}.broker-support>img{width:100%;height:auto;aspect-ratio:1;object-fit:cover;object-position:top;border-bottom:5px solid var(--teal)}.broker-support p{max-width:610px;color:var(--muted)}#agent-support{scroll-margin-top:24px}@media(max-width:850px){.support-layout,.broker-support{grid-template-columns:1fr;gap:28px}.broker-support>img{max-width:240px}.orientation-demo{padding:24px}}
@media(max-width:480px){.page-intro .actions{flex-direction:column;align-items:stretch}.page-intro .actions .button{width:100%}}
.result-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
.calculator-shell{scroll-margin-top:20px}.calculator-heading{max-width:700px;margin-bottom:30px}.calculator-heading h2{margin:10px 0}.calculator-heading p:not(.eyebrow){color:var(--muted)}.calculator-layout{display:grid;grid-template-columns:1.1fr .9fr;gap:28px;align-items:start}.calculator-form,.calculator-results{border:1px solid var(--line);background:white;padding:28px}.calculator-form h3{margin-top:0}.calc-fields{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px;margin:20px 0}.calc-field{display:grid;gap:6px;font-weight:700;font-size:.875rem}.calc-field small{font-size:.75rem;color:var(--muted);font-weight:400}.calc-field input,.calc-field select{min-height:46px;border:1px solid #b8d5d2;background:#fff;padding:10px;font:inherit}.result-hero{background:var(--dark);color:#fff;padding:28px;display:grid;gap:7px;border-top:4px solid var(--teal)}.result-hero span,.result-hero small{color:#c8ddda}.result-hero strong{font-family:Manrope,sans-serif;font-size:clamp(2rem,4vw,3rem);line-height:1}.result-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;margin-top:16px}.result-grid p{border:1px solid var(--line);margin:0;padding:13px;color:var(--muted);font-size:.8125rem;line-height:1.35}.result-grid strong{display:block;color:var(--ink);font-size:1.1rem;margin-top:5px}.calculator-results details{margin-top:16px;border-top:1px solid var(--line);padding-top:14px}.calculator-results summary{font-weight:700;cursor:pointer}.calculator-disclaimer{max-width:950px;margin:20px 0 0}.calculator-error{color:#a01d1d;font-weight:700}.compact-calculator .calculator-layout{grid-template-columns:minmax(0,420px) minmax(0,1fr)}.blog-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:28px}.blog-card,.article,.legal{border:1px solid var(--line);background:white;padding:32px}.blog-card h2{font-size:1.8rem}.blog-card p{color:var(--muted)}.article{max-width:820px}.article h2,.legal h2{margin-top:38px}.article p,.legal p{max-width:720px;color:var(--muted)}.legal{max-width:900px}.legal h2:first-child{margin-top:0}@media(max-width:850px){.calculator-layout,.compact-calculator .calculator-layout,.blog-grid{grid-template-columns:1fr}.calculator-form,.calculator-results,.blog-card,.article,.legal{padding:22px}.calc-fields,.result-grid{grid-template-columns:1fr}}

/* Email-signature Quick Links: same brand, distinct quiet entry point. */
.quick-hero{background:var(--dark);color:#fff;padding:76px 0}.quick-hero-grid{display:grid;grid-template-columns:1.25fr .8fr;gap:64px;align-items:center}.quick-hero h1{font-size:clamp(3rem,6vw,5.6rem);line-height:1.03;letter-spacing:-.055em;margin:18px 0 24px}.quick-hero .eyebrow{color:#65e2d8}.quick-hero .lede{color:#c8ddda}.quick-hero .button.outline{border-color:#6ba09a;color:#fff}.quick-broker{padding:30px;border:1px solid #395b57;border-top:4px solid var(--teal);display:flex;gap:24px;align-items:center}.quick-broker img{width:110px;height:140px;object-fit:cover;object-position:top;border-radius:3px}.quick-broker h2{font-size:1.7rem;line-height:1.2;margin:12px 0}.quick-broker p{color:#c8ddda;margin:0 0 14px}.quick-broker a{display:block;color:#82e3da;margin:10px 0}.quick-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}.quick-card{display:flex;gap:18px;padding:27px 23px;background:#fff;border:1px solid #cdddda;text-decoration:none;color:var(--dark);min-height:170px;transition:border-color .15s,transform .15s}.quick-card:hover{border-color:#087b76;transform:translateY(-3px)}.quick-card:focus-visible,.quick-social-links a:focus-visible{outline:3px solid #087b76;outline-offset:4px}.quick-number{font-size:.75rem;color:#087b76;letter-spacing:.1em;padding-top:5px}.quick-card h3{font-size:1.2rem;margin:0 0 12px;line-height:1.3}.quick-card p{font-size:.95rem;color:var(--muted);line-height:1.6;margin:0}.quick-arrow{margin-left:auto;color:#087b76;font-size:1.3rem}.quick-social{display:flex;align-items:center;justify-content:space-between;gap:36px}.quick-social-links{display:flex;flex-wrap:wrap;gap:12px}.quick-social-links a{padding:12px 16px;border:1px solid #cdddda;color:var(--dark);font-weight:600;text-decoration:none}.quick-quote-section{background:#e5efed;padding:62px 0}.quick-quote{max-width:800px;text-align:center}.quick-quote h2{font-size:1.25rem}.quick-quote blockquote{font-family:Manrope,sans-serif;font-size:clamp(1.4rem,3vw,2rem);line-height:1.5;margin:24px 0}.quick-quote .button{margin-top:16px}@media(max-width:950px){.quick-hero-grid{grid-template-columns:1fr;gap:36px}.quick-broker{max-width:560px}.quick-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.quick-social{align-items:flex-start;flex-direction:column}}@media(max-width:600px){.quick-hero{padding:48px 0}.quick-grid{grid-template-columns:1fr}.quick-broker{padding:20px;gap:18px}.quick-broker img{width:84px;height:110px}.quick-broker h2{font-size:1.4rem}.quick-card{min-height:140px}.quick-social-links{gap:8px}.quick-social-links a{padding:10px 12px}}

.quick-card-coming{background:#edf3f1;border-style:dashed}.quick-card-coming:hover{transform:none;border-color:#cdddda}.quick-coming-label{display:inline-block;font-size:.75rem;font-weight:700;letter-spacing:.04em;padding:5px 8px;color:#075f59;background:#d2e7e1;margin-bottom:12px}