/* Cobalt blue, pale gold and restrained rose-red accents. */
:root {
  --ink:#243650; --muted:#4c5d74; --olive:#2453a4; --olive-dark:#172b48;
  --sand:#f6f8fc; --sky:#eef4fc; --accent:#bb3c4a; --red:#bb3c4a;
  --red-dark:#9f2939; --blue-strong:#2453a4; --line:#dbe3ef;
}
body { color:var(--ink); }
.button { background:var(--accent); border-color:var(--accent); color:#fff; }
.button:hover { background:var(--red-dark); border-color:var(--red-dark); color:#fff; }
.button.secondary { color:var(--ink); background:#ffffffed; border-color:#c3d2e8; }
.button.secondary:hover { color:var(--ink); background:#eaf1fc; border-color:#8ca7cc; }
.text-link:hover,.toc a:hover,.main-nav>a:hover,.nav-dropdown>summary:hover { color:var(--olive); text-decoration:underline; }
.chevron { color:var(--olive); }
.icon { color:#2453a4; background:#e8f0fd; }
.icon.terra { color:var(--olive); background:#fff1c8; }
.header-inner { position:relative; }
.main-nav { gap:20px; }
.nav-dropdown { position:static; }
.nav-submenu { left:auto; right:0; top:100%; width:min(960px,100%); grid-template-columns:1.18fr 1fr 1.05fr; gap:26px; padding:27px; box-shadow:0 20px 45px #2436501a; }
.nav-group { min-width:0; }
.nav-group>p { font-size:16px; font-weight:700; line-height:1.5; margin:0 0 10px; padding:0 8px 12px; color:var(--olive); border-bottom:1px solid var(--line); }
.nav-group ul { list-style:none; padding:0; margin:0; }
.nav-group a { gap:11px; padding:11px 8px; font-size:16px; min-height:46px; }
.nav-group svg { width:19px; height:19px; }
.main-nav .header-phone { padding:10px 14px; border-radius:999px; background:#fff0f1; color:#a82d40; }
.header-phone:hover { background:#fbe0e5; }
.hero-shell { min-height:700px; background:#f6f8fc; }
.hero-photo img { object-position:65% center; }
.hero-shell:after { background:linear-gradient(90deg,#f6f8fc 0%,#f6f8fcfc 24%,#f6f8fcef 33%,#f6f8fcc9 41%,#f6f8fc66 49%,#f6f8fc12 57%,transparent 64%); }
.hero-content { width:51%; max-width:700px; padding:66px 0 62px 58px; }
.hero-content h1 { font-size:clamp(44px,3.8vw,57px); line-height:1.18; max-width:630px; letter-spacing:-1.25px; }
.hero-content h1 .hero-topic { display:block; margin:0 0 15px; font-family:var(--sans); font-size:clamp(24px,2vw,30px); font-weight:600; line-height:1.4; letter-spacing:-.5px; color:#2453a4; }
.hero-content h1>span:last-child { color:#234b8d; }
.hero-content .lead { max-width:495px; color:#40526c; margin-bottom:0; }
.hero-content .eyebrow { font-size:14px; color:#3b5982; letter-spacing:1.3px; }
.hero-content .actions { gap:12px; }
.hero-content .button { padding-inline:20px; }
.hero-proof { row-gap:9px; max-width:490px; color:#40526c; }
.hero-location { background:#ffffffeb; color:#40526c; }
.audience-grid { grid-template-columns:1.15fr .85fr; gap:25px; }
.audience-card { display:flex; flex-direction:column; align-items:flex-start; padding:36px; background:#edf3fd; border-radius:27px; }
.audience-card:nth-child(2) { background:#fff5da; border-color:#e9d9ad; }
.audience-card h3 { font-size:28px; margin-top:12px; }
.audience-card .audience-kicker { margin:22px 0 0; font-size:15px; font-weight:600; color:#365d96; }
.audience-card:nth-child(2) .audience-kicker { color:#735414; }
.audience-card:nth-child(2) .icon { background:#f9e7af; color:#735414; }
.audience-card .text-link { margin-top:auto; padding-top:8px; }
.deadline-note { display:grid; grid-template-columns:43px minmax(0,1fr) auto; align-items:center; gap:19px; margin-top:26px; padding:25px 29px; background:#fff6df; border:1px solid #e6d7ac; border-radius:23px; }
.deadline-note>span { color:#735414; }
.deadline-note svg { width:29px; height:29px; display:block; }
.deadline-note strong { display:block; font-size:19px; margin-bottom:6px; }
.deadline-note p { margin:0; font-size:17px; color:var(--muted); line-height:1.75; }
.deadline-note>a { display:flex; align-items:center; gap:10px; color:var(--olive); font-size:17px; font-weight:650; text-decoration:none; white-space:nowrap; }
.deadline-note>a:hover { text-decoration:underline; }
.deadline-note>a svg { width:20px; height:20px; }
.topic-jumps { display:flex; flex-wrap:wrap; gap:12px; margin:0 0 37px; }
.topic-jumps a { padding:11px 19px; border:1px solid #d0ddec; background:#fff; border-radius:999px; color:#2453a4; font-size:17px; font-weight:600; text-decoration:none; }
.topic-jumps a:hover { border-color:var(--olive); background:#edf3fd; color:var(--olive); }
.guide-group { margin-top:38px; scroll-margin-top:112px; }
.guide-group+.guide-group { margin-top:58px; }
.guide-group-heading { display:flex; align-items:center; gap:17px; margin-bottom:24px; }
.group-number { display:flex; align-items:center; justify-content:center; flex:none; width:48px; height:48px; border-radius:16px; color:#2453a4; background:#e0eafd; font-size:18px; font-weight:650; }
.guide-group-heading h3 { font-size:27px; }
.guide-group-heading p { font-size:17px; color:var(--muted); margin:5px 0 0; }
.guides { grid-template-columns:repeat(3,minmax(0,1fr)); }
.guide-card { padding:29px; }
.guide-card h4 { margin:20px 0 13px; font-size:23px; font-weight:600; line-height:1.4; color:var(--ink); }
.guide-group:last-child .guides { grid-template-columns:repeat(3,minmax(0,1fr)); }
.guide-group:nth-of-type(2n) .group-number,.guide-group:nth-of-type(2n) .icon { color:#735414; background:#fff1c8; }
.guide-card:hover { box-shadow:0 10px 26px #2436500a; }
.understanding-band { display:grid; grid-template-columns:1fr 1fr; gap:65px; align-items:center; padding:55px; background:linear-gradient(115deg,#edf3fd,#fff4d6); border:1px solid var(--line); border-radius:31px; }
.understanding-band h2 { margin-bottom:24px; }
.understanding-band p { color:var(--muted); }
.rights-differences { margin:0; padding:31px; border-radius:24px; background:#ffffffd9; border:1px solid var(--line); }
.rights-differences>div { padding:0 0 23px; margin:0 0 23px; border-bottom:1px solid var(--line); }
.rights-differences>div:last-child { padding:0; margin:0; border:0; }
.rights-differences dt { display:flex; align-items:center; gap:13px; margin-bottom:10px; color:var(--ink); font-size:21px; font-weight:650; line-height:1.4; }
.rights-differences dt svg { width:27px; height:27px; flex:none; color:var(--olive); }
.rights-differences dd { margin:0; font-size:18px; line-height:1.75; color:var(--muted); }
.fee-band { display:grid; grid-template-columns:.8fr 1.2fr; gap:65px; padding:55px; border:1px solid #e2d9bf; border-radius:31px; background:linear-gradient(130deg,#fff2cd,#edf3fd); }
.fee-icon { display:flex; align-items:center; justify-content:center; width:62px; height:62px; color:var(--olive); background:#ffe49a; border-radius:21px; margin-bottom:26px; }
.fee-icon svg { width:34px; height:34px; }
.fee-copy p { color:var(--muted); }
.fee-copy .lead strong { font-weight:600; color:var(--ink); }
.contact-section { background:linear-gradient(115deg,#eaf1fd,#fff3d7); }
.contact-phone { color:#a82d40; }
.service-fee-note { color:var(--muted); font-size:17px; margin-top:22px; max-width:590px; }
.site-footer { color:#f2f5fa; }
.website-info .cookie-table th,.website-info .cookie-table td { border-color:#a8b8d0; }
.article-header { background:linear-gradient(110deg,#edf3fd,#fff3dc); }
.article-symbol { background:#e2ebfc; }
.article-symbol svg { color:#2453a4; }
.article-aside,.article-aside .aside-card { position:static; max-height:none; overflow:visible; }
.article-body a { overflow-wrap:anywhere; }
.article-header .actions { margin-top:25px; }
.takeaway { background:#edf3fd; }
.takeaway .icon { color:#2453a4; background:#e0eafd; }
.aside-contact .eyebrow { color:#d4e4ff; }
.cookie-notice { border-color:#b7c9e3; }
.cookie-actions .cookie-acknowledge { color:var(--ink); border-radius:999px; }
.cookie-actions .cookie-more { border-radius:999px; }
.trust-row { display:flex; justify-content:space-between; flex-wrap:wrap; gap:15px 25px; padding-block:27px; border-bottom:1px solid var(--line); color:var(--muted); font-size:16px; }
.trust-row>span { display:flex; align-items:center; gap:9px; }
.trust-row svg { width:21px; height:21px; color:var(--olive); flex:none; }
.trust-row a { color:var(--olive); font-weight:650; }
.rights-differences dd a { display:block; width:fit-content; color:var(--olive); font-size:17px; font-weight:600; margin-top:6px; }
@media(min-width:1650px) { .hero-shell { min-height:720px; } .hero-content { padding-top:78px; } .hero-content h1 { font-size:59px; } }
@media(max-width:1120px) { .main-nav { gap:17px; } .hero-content { padding-left:42px; width:56%; } .hero-content h1 { font-size:47px; } .hero-content .lead { max-width:440px; } .hero-shell:after { background:linear-gradient(90deg,#f6f8fc 0%,#f6f8fcfa 25%,#f6f8fced 36%,#f6f8fcac 46%,#f6f8fc32 58%,transparent 69%); } .understanding-band,.fee-band { gap:37px; padding:40px; } .deadline-note { grid-template-columns:40px 1fr; } .deadline-note>a { grid-column:2; } }
@media(max-width:980px) { .nav-dropdown { position:relative; } .nav-submenu { position:static; width:auto; grid-template-columns:1fr 1fr; gap:20px; box-shadow:none; } .main-nav .header-phone { justify-content:center; margin-top:10px; } .hero-shell { padding-top:365px; min-height:0; } .hero-photo { height:390px; } .hero-photo img { object-position:72% 39%; } .hero-shell:after { background:linear-gradient(180deg,transparent 0,transparent 300px,#f6f8fc 390px,#f6f8fc 100%); } .hero-content { width:100%; max-width:none; padding:8px 34px 43px; } .hero-content h1 { font-size:52px; max-width:760px; } .hero-content h1 .hero-topic { font-size:29px; } .hero-content .lead { max-width:750px; } .hero-proof { max-width:none; } .audience-grid { grid-template-columns:1fr 1fr; } .audience-card { padding:29px; } .audience-card h3 { font-size:25px; } .understanding-band,.fee-band { grid-template-columns:1fr; } .guides { grid-template-columns:repeat(2,minmax(0,1fr)); } }
@media(max-width:640px) { .nav-submenu { grid-template-columns:1fr; padding:18px 11px; gap:22px; } .hero-shell { padding-top:272px; } .hero-photo { height:303px; } .hero-photo img { object-position:68% center; } .hero-shell:after { background:linear-gradient(180deg,transparent 0,transparent 230px,#f6f8fc 303px,#f6f8fc 100%); } .hero-content { padding:12px 23px 33px; } .hero-content h1 { font-size:38px; letter-spacing:-1.1px; } .hero-content h1 .hero-topic { font-size:25px; line-height:1.35; } .hero-content .eyebrow { font-size:12px; letter-spacing:1px; } .hero-content .actions { align-items:stretch; flex-direction:column; } .hero-content .lead { font-size:18px; } .hero-location { font-size:12px; padding:8px 12px; } .hero-proof { font-size:15px; } .audience-grid,.guides,.guide-group:last-child .guides { grid-template-columns:1fr; } .audience-card { padding:28px; } .audience-card h3 { font-size:27px; } .deadline-note { grid-template-columns:1fr; gap:13px; padding:25px; } .deadline-note>a { grid-column:1; } .topic-jumps { gap:9px; margin-bottom:29px; } .topic-jumps a { font-size:16px; padding:10px 16px; } .guide-group-heading { align-items:flex-start; } .guide-group-heading h3 { font-size:24px; } .guide-group-heading p { font-size:17px; } .guide-group+.guide-group { margin-top:40px; } .guide-card { padding:27px; } .understanding-band,.fee-band { padding:30px 25px; gap:28px; border-radius:26px; } .rights-differences { padding:25px 22px; } .fee-icon { margin-bottom:22px; } .fee-copy .button { width:100%; } }
@media(max-width:370px) { .hero-content h1 { font-size:34px; } .hero-content { padding-inline:20px; } }
@media print { .site-footer { color:#222; } .understanding-band,.fee-band { background:#fff; padding:25px; } .topic-jumps,.deadline-note { display:none; } .guide-group { break-inside:avoid; } }

/* Individual identity, shared accessible component layout. */
.hero-shell{min-height:690px}
.hero-content{width:50%;padding-left:52px}
.hero-content h1{font-size:clamp(44px,4vw,59px)}
.hero-content h1 .hero-topic{font-size:clamp(22px,1.8vw,28px);letter-spacing:-.55px}
.hero-photo img{object-position:64% center}
.hero-shell:after{background:linear-gradient(90deg,#f6f8fc 0%,#f6f8fcfc 23%,#f6f8fceb 32%,#f6f8fcb3 40%,#f6f8fc55 48%,#f6f8fc0d 57%,transparent 64%)}
.hero-content .button.secondary{background:#fdfafff5}
.hero-location{font-size:14px;background:#fffaf0ec}
.header-phone svg{color:#a82d40}
.benefits-construction{--benefit-surface:#f3f6fc;--benefit-icon-surface:#fff0f1;--benefit-ink:#243650;--benefit-muted:#4c5d74;--benefit-accent:#a82d40;--benefit-line:#dbe3ef}
.benefits-construction .benefit-icon{background:#fff0f1;color:#a82d40}
.theme-construction{--review-background:#f3f6fc;--review-tint:#e0eafd;--review-end:#fbf3e4;--review-ink:#243650;--review-muted:#4c5d74;--review-accent:#2453a4;--review-card:#fff;--review-edge:#dbe3ef}
.theme-construction .review-avatar{background:#f9e7af;color:#735414}
.cookie-acknowledge{background:#bb3c4a!important;border-color:#bb3c4a!important;color:#fff!important}
.cookie-acknowledge:hover{background:#9f2939!important}
.cookie-symbol{background:#eaf1fd;color:#2453a4}
.article-aside,.article-aside .aside-card{position:static;max-height:none;overflow:visible}
.article-body .related-grid a,.sources a{color:#2453a4}
.guide-card{border-color:#dbe3ef}
.guide-card:focus-visible{outline:3px solid #bb3c4a;outline-offset:4px}
.mobile-contact-bar a:last-child{color:#fff}
@media(min-width:1650px){.hero-shell{min-height:720px}.hero-content h1{font-size:64px}.hero-content{padding-top:83px}}
@media(max-width:1120px){.hero-content{width:57%;padding-left:36px}.hero-content h1{font-size:49px}.hero-content h1 .hero-topic{font-size:25px}}
@media(max-width:980px){.hero-shell{min-height:0;padding-top:365px}.hero-photo img{object-position:70% 47%}.hero-content{width:100%;padding:8px 34px 43px}.hero-content h1{font-size:52px}.hero-shell:after{background:linear-gradient(180deg,transparent 0,transparent 310px,#f6f8fc 390px,#f6f8fc 100%)}.guide-group:last-child .guides{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:640px){.hero-shell{padding-top:272px}.hero-photo img{object-position:65% center}.hero-content{padding:12px 23px 33px}.hero-content h1{font-size:39px}.hero-content h1 .hero-topic{font-size:23px}.hero-shell:after{background:linear-gradient(180deg,transparent 0,transparent 240px,#f6f8fc 303px,#f6f8fc 100%)}.hero-location{font-size:11px;max-width:80%}.guide-group:last-child .guides{grid-template-columns:1fr}}
@media(max-width:370px){.hero-content h1{font-size:34px}.hero-content h1 .hero-topic{font-size:21px}}

@media(min-width:981px){.hero-content .lead,.hero-proof{max-width:440px}}

/* Construction microsite: cobalt, pale gold and a restrained rose-red accent. */
.nav-submenu{grid-template-columns:.8fr 1.25fr 1.1fr 1.15fr;width:min(1120px,100%);gap:20px}
.nav-group>p{font-size:15px}.nav-group a{font-size:15px;padding:9px 6px}
.hero-content h1{font-size:clamp(43px,3.8vw,57px);line-height:1.18;letter-spacing:-1.4px}
.hero-content h1 .hero-topic{font-size:clamp(22px,1.8vw,27px);margin-bottom:16px;letter-spacing:-.6px}
.hero-content .lead{max-width:445px}.hero-shell{min-height:680px}
.hero-shell:after{background:linear-gradient(90deg,#f6f8fc 0%,#f6f8fcfc 22%,#f6f8fcee 31%,#f6f8fcc7 39%,#f6f8fc64 47%,#f6f8fc0b 56%,transparent 63%)}
.hero-location{color:#735414;background:#fff8e6ed;border-color:#fff2c7}
.audience-grid{grid-template-columns:1fr 1fr}.audience-card{padding:37px}
.audience-card h3{font-size:34px}.audience-card .audience-kicker{margin-top:19px}
.audience-card .role-line{font-weight:600;color:var(--ink);margin-bottom:9px}
.audience-card .button{margin-top:auto;padding-inline:24px}
.audience-card:first-child .icon{background:#dce8fc;color:#2453a4}
.audience-card:nth-child(2) .icon{background:#ffe9a9;color:#735414}
.benefits-construction{--benefit-surface:#f3f6fc;--benefit-icon-surface:#fff0f1;--benefit-accent:#bb3c4a;--benefit-line:#dbe3ef}
.theme-construction{--review-ink:#243650;--review-muted:#4c5d74;--review-accent:#2453a4;--review-background:#f3f6fc;--review-tint:#e8f0fd;--review-edge:#dbe3ef;--review-end:#fff2d3}
.role-paths{display:grid;grid-template-columns:1fr 1fr;gap:13px;margin:30px 0 40px}
.role-paths a{display:flex;align-items:center;gap:12px;padding:16px;border:1px solid var(--line);border-radius:16px;background:#f6f8fc;text-decoration:none;font-size:17px;font-weight:600;color:var(--olive)}
.role-paths a:hover{background:#eaf1fc;border-color:var(--olive)}.role-paths svg{width:24px;height:24px;flex:none}
.article-symbol{background:linear-gradient(135deg,#e0eafd,#fff3d2)}
.article-symbol svg{color:#2453a4}.article-aside,.article-aside .aside-card{position:static;max-height:none;overflow:visible}
@media(max-width:1120px){.hero-content h1{font-size:47px}.hero-content{width:56%}.hero-content h1 .hero-topic{font-size:24px}}
@media(max-width:980px){.nav-submenu{grid-template-columns:1fr 1fr}.hero-shell{min-height:0}.hero-content{width:100%}.hero-content h1{font-size:49px}.hero-content .lead{max-width:740px}.hero-shell:after{background:linear-gradient(180deg,transparent 0,transparent 305px,#f6f8fc 390px,#f6f8fc 100%)}}
@media(max-width:640px){.nav-submenu{grid-template-columns:1fr}.hero-content h1{font-size:38px}.hero-content h1 .hero-topic{font-size:23px}.hero-shell:after{background:linear-gradient(180deg,transparent 0,transparent 240px,#f6f8fc 303px,#f6f8fc 100%)}.audience-grid,.role-paths{grid-template-columns:1fr}.audience-card{padding:28px}.audience-card h3{font-size:30px}.hero-location{font-size:12px;max-width:82%}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}