:root{--hv-ink:#202f2c;--hv-muted:#53615c;--hv-paper:#faf8f3;--hv-cream:#eeebe3;--hv-white:#fff;--hv-bronze:#80613e;--hv-line:#d8d8ce;--hv-serif:Georgia,'Times New Roman',serif;--hv-sans:Arial,Helvetica,sans-serif;--hv-max:1280px}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:7rem}body{margin:0;color:var(--hv-ink);background:var(--hv-paper);font-family:var(--hv-sans);font-size:17px;line-height:1.7}a{color:inherit;text-underline-offset:5px}a:hover{color:var(--hv-bronze)}button,input{font:inherit}img{display:block;width:100%;height:auto}h1,h2,h3,p{margin-top:0}h1,h2,h3{font-family:var(--hv-serif);font-weight:400;line-height:1.13;letter-spacing:-.025em}h1{font-size:clamp(2.7rem,4.6vw,4.8rem)}h2{font-size:clamp(2.1rem,3.1vw,3.15rem)}h3{font-size:1.7rem}p{margin-bottom:1.2rem}ul,ol{padding-left:1.3rem}li{padding-left:.3rem;margin-bottom:.55rem}button,a,summary{touch-action:manipulation}:focus-visible{outline:3px solid #977341;outline-offset:5px}.wrap{max-width:var(--hv-max);margin:auto;padding-inline:48px}.section{padding-block:96px}.eyebrow{text-transform:uppercase;letter-spacing:.16em;font-size:.78rem;font-weight:700;color:var(--hv-bronze);margin-bottom:1.25rem}.intro{max-width:660px;font-size:1.1rem;color:var(--hv-muted)}.skip{position:absolute;left:20px;top:-100px;padding:12px;background:var(--hv-ink);color:white;z-index:30}.skip:focus{top:10px}.header{position:relative;z-index:10;background:var(--hv-paper);border-bottom:1px solid var(--hv-line)}.header-inner{max-width:1440px;margin:auto;padding:23px 42px;display:flex;align-items:center;gap:30px}.brand{display:flex;align-items:center;gap:12px;text-decoration:none;flex-shrink:0}.brand-symbol{font-family:var(--hv-serif);font-size:23px;letter-spacing:-.12em;border:1px solid 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var(--hv-ink);border-radius:0;cursor:pointer}.button:hover{background:#354b44;color:white}.button.bronze{background:var(--hv-bronze);border-color:var(--hv-bronze)}.button.bronze:hover{background:#654a2c}.button.outline{background:transparent;color:var(--hv-ink);border-color:var(--hv-line)}.button.outline:hover{border-color:var(--hv-ink)}.actions{display:flex;gap:23px;align-items:center;flex-wrap:wrap;margin-top:28px}.text-link{font-size:15px;font-weight:600}.mobile-nav{display:none;margin-left:auto}.mobile-nav summary{cursor:pointer;list-style:none;border:1px solid var(--hv-line);padding:9px 14px;font-size:14px}.mobile-nav summary::-webkit-details-marker{display:none}.mobile-nav nav{position:absolute;top:100%;left:0;width:100%;background:var(--hv-paper);padding:20px 24px;border-block:1px solid var(--hv-line);box-shadow:0 20px 20px #202f2c12;display:grid}.mobile-nav nav a{padding:11px 0;text-decoration:none}.hero{max-width:1600px;margin:auto;display:grid;grid-template-columns:46% 54%;min-height:655px}.hero-copy{padding:75px 50px 68px max(48px,calc((100vw - 1280px)/2 + 48px));align-self:center}.hero h1{font-size:clamp(3rem,4.2vw,4.6rem);max-width:600px;margin-bottom:25px}.hero .intro{font-size:17px;max-width:470px}.hero-photo{position:relative;min-width:0}.hero-photo img{height:100%;object-fit:cover;object-position:55% center}.photo-caption{position:absolute;bottom:27px;left:29px;right:29px;background:#faf8f3eb;padding:15px 20px;font-size:13px;letter-spacing:.04em}.hero-note{font-size:13px;color:var(--hv-muted);margin:20px 0 0}.value-band{background:var(--hv-ink);color:var(--hv-paper)}.band-grid{display:grid;grid-template-columns:repeat(3,1fr);padding-block:28px;gap:42px}.band-grid div{border-right:1px solid #ffffff35;padding-right:30px}.band-grid div:last-child{border:0}.band-grid span{display:block;font-family:var(--hv-serif);font-size:22px}.band-grid p{font-size:14px;color:#d4dcd6;margin:3px 0 0}.split{display:grid;grid-template-columns:1fr 1fr;gap:95px;align-items:start}.split h2{max-width:500px}.numbered{counter-reset:item}.numbered>div{counter-increment:item;padding:24px 0;border-bottom:1px solid var(--hv-line);display:grid;grid-template-columns:35px 1fr;gap:15px}.numbered>div:before{content:'0' counter(item);color:var(--hv-bronze);font-size:13px;margin-top:6px}.numbered h3{font-size:25px;margin-bottom:9px}.numbered p{font-size:16px;color:var(--hv-muted);margin:0}.soft{background:var(--hv-cream)}.section-top{display:flex;justify-content:space-between;gap:35px;align-items:end;margin-bottom:38px}.section-top h2{max-width:630px;margin-bottom:0}.section-top a{flex-shrink:0}.property-grid{display:grid;grid-template-columns:1fr 1fr 1fr;gap:25px}.property-card{min-width:0}.property-card img{aspect-ratio:4/3;object-fit:cover}.property-card .card-body{padding:25px 0 10px}.property-card h3{margin-bottom:12px}.property-card p{font-size:16px;color:var(--hv-muted)}.property-card.dark{background:var(--hv-ink);color:var(--hv-paper);display:flex;flex-direction:column;justify-content:center;padding:35px}.property-card.dark .eyebrow{color:#d5bb97}.property-card.dark h3{font-size:34px}.property-card.dark p{color:#d4dcd6}.property-card.dark a{color:white}.aside-note{padding-top:27px;font-size:15px;color:var(--hv-muted)}.household-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:30px;margin-top:45px}.household-grid article{border-top:1px solid var(--hv-bronze);padding-top:26px}.household-grid h3{font-size:26px}.household-grid p{font-size:16px;color:var(--hv-muted)}.process{background:var(--hv-ink);color:var(--hv-paper)}.process .eyebrow{color:#d5bb97}.process h2{max-width:650px}.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:55px;margin-top:45px}.step-num{font-family:var(--hv-serif);font-size:42px;color:#d5bb97;display:block;margin-bottom:16px}.steps h3{font-size:25px}.steps p{font-size:16px;color:#d4dcd6}.guide-grid{display:grid;grid-template-columns:1fr 1fr;gap:0 60px}.guide-card{padding:30px 0;border-top:1px solid var(--hv-line)}.guide-card h2,.guide-card h3{font-size:27px;margin:8px 0 15px}.guide-card h2 a,.guide-card h3 a{text-decoration:none}.guide-card p{font-size:16px;color:var(--hv-muted);margin-bottom:15px}.guide-card .eyebrow{font-size:11px;margin:0}.faq-grid{display:grid;grid-template-columns:1fr 1.5fr;gap:70px}.faq details{border-bottom:1px solid var(--hv-line);padding:22px 0}.faq details:first-child{border-top:1px solid var(--hv-line)}.faq summary{cursor:pointer;font-size:17px;padding-right:20px;line-height:1.5}.faq details p{font-size:16px;color:var(--hv-muted);padding-top:17px;margin-bottom:0}.cta-panel{display:flex;justify-content:space-between;align-items:center;gap:35px;padding:55px 60px;background:#e9e4d9}.cta-panel h2{font-size:36px;margin-bottom:12px}.cta-panel p{margin:0;color:var(--hv-muted);max-width:620px}.cta-panel .button{flex-shrink:0}.footer{padding-top:65px;background:var(--hv-ink);color:var(--hv-paper)}.footer-top{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:70px}.footer .brand-symbol{border-color:#b49a76;color:#dbc19c}.footer .brand{margin-bottom:20px}.footer p{font-size:14px;color:#d4dcd6;max-width:380px}.footer h2{font-family:var(--hv-sans);font-size:14px;letter-spacing:.08em;text-transform:uppercase;color:#d5bb97}.footer ul{list-style:none;padding:0;font-size:14px}.footer li{padding:0}.footer a{text-decoration:none}.footer a:hover{color:#e3c49c}.footer-bottom{margin-top:40px;padding-block:24px;border-top:1px solid #ffffff2c;display:flex;gap:25px;justify-content:space-between;font-size:12px;color:#d4dcd6}.footer-bottom p{margin:0;font-size:12px;max-width:none}.legal-links{display:flex;gap:20px}.disclosure{padding:23px 0 30px;font-size:12px;color:#c6cec8;line-height:1.6;border-top:1px solid #ffffff2c}.breadcrumbs{font-size:13px;color:var(--hv-muted);padding-top:26px}.breadcrumbs ol{display:flex;gap:10px;list-style:none;flex-wrap:wrap;margin:0;padding:0}.breadcrumbs li{padding:0;margin:0}.breadcrumbs li+li:before{content:'/';margin-right:10px;color:#92968c}.page-hero{padding-block:55px 62px;max-width:870px}.page-hero h1{font-size:clamp(2.8rem,4.2vw,4.5rem);margin-bottom:25px}.page-hero .intro{max-width:800px;font-size:19px}.page-meta{font-size:13px;color:var(--hv-muted)}.article-layout{display:grid;grid-template-columns:minmax(0,790px) 270px;gap:75px;align-items:start;padding-bottom:75px}.article-body{min-width:0}.article-body h2{font-size:32px;margin:47px 0 20px}.article-body h2:first-child{margin-top:0}.article-body h3{font-size:24px;margin-top:30px}.article-body p,.article-body li{font-size:17px;color:#374941}.article-body a{color:#705232}.article-body .lead-image{margin-bottom:38px}.lead-image img{aspect-ratio:16/9;object-fit:cover}.lead-image figcaption{font-size:12px;color:var(--hv-muted);margin-top:8px}.lead-image{margin:0}.toc{background:var(--hv-cream);padding:24px;position:sticky;top:30px}.toc h2{font:600 14px var(--hv-sans);letter-spacing:.07em;text-transform:uppercase}.toc ol{list-style:none;padding:0;font-size:14px;line-height:1.5}.toc li{padding:0;margin-bottom:13px}.toc a{text-decoration:none}.toc .button{font-size:14px;margin-top:16px;width:100%;padding-inline:12px}.sources{padding:27px;background:#eeebe3;margin-top:42px}.sources h2{font-size:23px;margin:0 0 16px}.sources ol{font-size:14px}.sources li{font-size:14px}.sources p{font-size:13px;margin:0}.table-scroll{overflow-x:auto;margin-block:25px}table{border-collapse:collapse;width:100%;font-size:15px}th,td{padding:15px;text-align:left;border:1px solid var(--hv-line);vertical-align:top;min-width:130px}th{background:var(--hv-cream);font-weight:600}.coverage-list{display:grid;grid-template-columns:1fr 1fr;gap:25px;margin-top:35px}.coverage-item{background:var(--hv-cream);padding:30px}.coverage-item h3{font-size:26px}.coverage-item p{font-size:16px;color:var(--hv-muted)}.quote-layout{display:grid;grid-template-columns:1.2fr 1fr;gap:70px;padding-bottom:90px}.contact-panel{padding:40px;background:var(--hv-cream)}.contact-panel h2{font-size:30px}.phone-large{font-family:var(--hv-serif);font-size:36px;text-decoration:none;display:block;margin:20px 0 10px}.contact-panel p{font-size:16px}.contact-panel .email{font-size:15px;overflow-wrap:anywhere}.service-note{font-size:14px;color:var(--hv-muted);margin-top:28px}.simple-page{max-width:850px;padding-bottom:80px}.simple-page h2{font-size:28px;margin-top:35px}.simple-page ul{color:var(--hv-muted)}.state-list{columns:3;list-style:none;padding:0;font-size:16px}.state-list li{padding:0}.thank-you{min-height:65vh;display:grid;align-content:center;max-width:760px;padding-block:65px}.thank-you h1{font-size:56px}.thank-you p{font-size:18px}.form-frame{width:100%;height:1200px;border:0;background:white}.form-note{font-size:14px;color:var(--hv-muted)}.mini-note{font-size:13px;color:var(--hv-muted)}.accent{color:var(--hv-bronze)}
@media(min-width:1600px){.hero-copy{padding-left:128px}}@media(max-width:1150px){.desktop-nav{gap:15px}.header-inner{padding-inline:25px;gap:20px}.desktop-nav a{font-size:13px}.header-cta{display:none}.hero-copy{padding:50px 35px}.hero h1{font-size:3.7rem}.wrap{padding-inline:35px}.split{gap:50px}.article-layout{gap:40px;grid-template-columns:minmax(0,1fr) 230px}.property-card.dark{padding:25px}.household-grid{gap:20px}}
@media(max-width:850px){.desktop-nav{display:none}.mobile-nav{display:block}.header-inner{padding:18px 24px}.hero{grid-template-columns:1fr;min-height:0}.hero-copy{padding:53px 28px 45px}.hero h1{font-size:3.55rem;max-width:680px}.hero .intro{max-width:610px}.hero-photo{height:400px}.hero-photo img{object-position:center 60%}.photo-caption{left:24px;bottom:22px;right:auto;max-width:calc(100% - 48px)}.wrap{padding-inline:28px}.section{padding-block:65px}.split{grid-template-columns:1fr;gap:20px}.split h2{max-width:680px}.property-grid{grid-template-columns:1fr 1fr}.property-card.dark{grid-column:1/-1;padding:35px}.property-card.dark h3{max-width:530px}.household-grid{grid-template-columns:1fr 1fr;gap:25px}.faq-grid{grid-template-columns:1fr;gap:15px}.article-layout{display:block}.toc{position:static;margin-top:40px}.toc ol{columns:2}.footer-top{gap:30px;grid-template-columns:1.3fr 1fr}.footer-top>div:first-child{grid-column:1/-1}.footer-top p{max-width:550px}.quote-layout{gap:35px;grid-template-columns:1fr 1fr}.cta-panel{padding:35px}.cta-panel h2{font-size:30px}.steps{gap:25px}.band-grid{gap:25px}.band-grid div{padding-right:20px}.band-grid span{font-size:20px}}
@media(max-width:560px){body{font-size:16px}.wrap{padding-inline:23px}.header-inner{padding:16px 21px}.brand-words{font-size:20px}.brand-symbol{width:41px;height:41px}.brand-words small{font-size:9px}.hero-copy{padding:43px 23px 40px}.hero h1{font-size:2.95rem;line-height:1.1}.hero .intro{font-size:16px}.hero-photo{height:315px}.photo-caption{font-size:12px;left:18px;right:18px;max-width:none;padding:12px 15px}.actions{gap:20px}.band-grid{grid-template-columns:1fr;gap:0;padding-block:12px}.band-grid div{border-right:0;border-bottom:1px solid #ffffff2c;padding:14px 0}.band-grid span{font-size:20px}.band-grid p{font-size:13px}.section{padding-block:53px}.section-top{align-items:start;flex-direction:column;gap:22px}.section-top h2{font-size:2.15rem}.property-grid,.household-grid,.guide-grid,.steps,.coverage-list,.quote-layout{grid-template-columns:1fr}.property-card.dark{grid-column:auto}.property-card img{aspect-ratio:3/2}.property-card.dark h3{font-size:31px}.household-grid{gap:22px}.household-grid article{padding-top:22px}.steps{gap:15px;margin-top:30px}.step-num{font-size:32px;margin-bottom:10px}.steps h3{margin-bottom:10px}.guide-grid{gap:0}.guide-card h2,.guide-card h3{font-size:26px}.faq-grid{gap:10px}.cta-panel{display:block;padding:30px}.cta-panel .button{margin-top:26px}.footer-top{gap:30px}.footer-bottom{flex-direction:column;gap:13px}.legal-links{flex-wrap:wrap;gap:15px}.page-hero{padding-block:37px 40px}.page-hero h1{font-size:2.7rem}.page-hero .intro{font-size:17px}.article-body h2{font-size:28px}.article-body p,.article-body li{font-size:16px}.toc ol{columns:1}.contact-panel{padding:28px}.phone-large{font-size:32px}.state-list{columns:2}.thank-you h1{font-size:43px}.quote-layout{gap:25px}.sources{padding:22px}.coverage-item{padding:25px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}@media print{.header,.footer,.toc,.cta-panel,.actions,.mobile-nav{display:none}.wrap{padding:0}.section{padding:20px 0}.article-layout{display:block}body{background:white;color:black;font-size:12pt}.page-hero h1{font-size:30pt}a{color:black}.faq details>*{display:block}}
html{color-scheme:light}
h1,h2,h3,h4,h5,h6{color:var(--hv-ink);opacity:1;-webkit-text-fill-color:currentColor}
h1{margin-bottom:24px}h2{margin-bottom:20px}h3{margin-bottom:14px}
h1 a,h2 a,h3 a{color:inherit}
.process h2,.process h3,.property-card.dark h3{color:var(--hv-paper)}
.footer h2{color:#d5bb97}
@media screen{.section{padding-block:80px}}
@media screen and (max-width:850px){.section{padding-block:48px}.section-top{margin-bottom:28px}.hero-copy{padding-top:40px;padding-bottom:36px}}
@media screen and (max-width:560px){
body{line-height:1.65}
h2,.section-top h2{font-size:1.95rem;line-height:1.16;margin-bottom:16px}
h3{margin-bottom:12px}
p{margin-bottom:16px}
.section{padding-block:36px}
.eyebrow{margin-bottom:12px}
.hero-copy{padding-top:32px;padding-bottom:30px}
.hero h1{margin-bottom:18px}
.actions{margin-top:22px;gap:16px}
.split{gap:16px}
.numbered>div{padding-block:18px}
.section-top{gap:14px;margin-bottom:24px}
.section-top h2{margin-bottom:0}
.property-card .card-body{padding-top:18px;padding-bottom:4px}
.property-card.dark{padding:28px}
.household-grid{margin-top:26px;gap:20px}
.household-grid article{padding-top:18px}
.steps{margin-top:24px}
.guide-card{padding-block:22px}
.faq details{padding-block:18px}
.cta-panel{padding:26px}
.cta-panel h2{font-size:29px}
.cta-panel .button{margin-top:20px}
.footer{padding-top:40px}
.footer-bottom{margin-top:26px}
.page-hero{padding-block:28px 30px}
.page-hero h1{margin-bottom:18px}
.article-body h2{margin-top:32px;margin-bottom:16px}
.article-body h2:first-child{margin-top:0}
.article-body .lead-image{margin-bottom:26px}
.article-layout,.quote-layout,.simple-page{padding-bottom:48px}
}