@charset "UTF-8";
:root{--ink:#293b31;--muted:#47554b;--olive:#486147;--olive-dark:#314b39;--sand:#f7f4ed;--sky:#edf1e8;--accent:#a6462d;--red:#a6462d;--red-dark:#87351f;--blue-strong:#486147;--line:#d9ddd2;--radius:24px;--sans:"Segoe UI",Arial,sans-serif;--serif:Georgia,"Times New Roman",serif}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:112px}body{margin:0;background:#fff;color:var(--ink);font-family:var(--sans);font-size:18px;line-height:1.75;-webkit-font-smoothing:antialiased}img{display:block;max-width:100%;height:auto}button{font:inherit}a{color:inherit;text-underline-offset:5px}a,button,summary{-webkit-tap-highlight-color:transparent}a:focus-visible,button:focus-visible,summary:focus-visible{outline:3px solid var(--olive);outline-offset:5px}button,a,summary{touch-action:manipulation}.container{width:min(1220px,calc(100% - 88px));margin-inline:auto}.skip-link{position:fixed;top:-100px;left:16px;z-index:110;background:#fff;padding:12px 20px;border-radius:12px}.skip-link:focus{top:12px}p{margin:0 0 20px}h1,h2,h3{line-height:1.2;margin:0;color:var(--ink)}h1,h2{font-family:var(--serif);font-weight:400;letter-spacing:-1.2px}h2{font-size:clamp(34px,3.4vw,47px)}h3{font-size:23px;line-height:1.35;font-weight:600}h1 em,h2 em{font-style:normal;color:var(--olive)}.eyebrow{margin:0 0 19px;font-size:14px;line-height:1.6;font-weight:650;letter-spacing:1.65px;text-transform:uppercase;color:var(--olive)}.lead{font-size:20px;line-height:1.75;color:var(--muted)}.small{font-size:16px;line-height:1.65;color:var(--muted)}.actions{display:flex;align-items:center;flex-wrap:wrap;gap:14px;margin-top:28px}.button{display:inline-flex;justify-content:center;align-items:center;gap:10px;min-height:54px;padding:14px 24px;border:1px solid var(--accent);border-radius:999px;background:var(--accent);color:#fff;font-size:17px;font-weight:650;line-height:1.5;text-align:center;text-decoration:none;transition:background .18s,transform .18s}.button:hover{background:var(--red-dark);border-color:var(--red-dark);transform:translateY(-1px)}.button.secondary{background:#fff;color:var(--ink);border-color:#b9c4b4}.button.secondary:hover{background:var(--sky);border-color:var(--olive)}.text-link{display:inline-flex;align-items:center;gap:10px;font-size:17px;font-weight:650;color:var(--olive);text-decoration:none}.text-link:hover{color:var(--accent)}.text-link svg,.button svg{width:20px;height:20px;flex:none}.icon{display:inline-flex;align-items:center;justify-content:center;flex:none;width:52px;height:52px;border-radius:17px;background:var(--sky);color:var(--olive)}.icon svg{width:28px;height:28px;display:block}.icon.terra{background:#f7eae2;color:var(--accent)}
.site-header{position:sticky;top:0;z-index:40;background:#fffffff5;border-bottom:1px solid var(--line);backdrop-filter:blur(14px)}.header-inner{min-height:99px;display:flex;justify-content:space-between;align-items:center;gap:24px}.brand{display:flex;align-items:center;gap:22px;flex:none;text-decoration:none}.brand img{width:190px;height:48px;object-fit:contain}.brand-tag{padding-left:20px;border-left:1px solid var(--line);font-size:14px;font-weight:600;line-height:1.45;color:var(--olive)}.main-nav{display:flex;align-items:center;gap:24px}.main-nav>a,.nav-dropdown>summary{font-size:16px;line-height:1.55;font-weight:600;text-decoration:none;white-space:nowrap}.main-nav>a:hover,.nav-dropdown>summary:hover{color:var(--accent)}.nav-dropdown{position:relative}.nav-dropdown>summary{display:flex;align-items:center;gap:8px;min-height:46px;cursor:pointer;list-style:none}.nav-dropdown>summary::-webkit-details-marker{display:none}.chevron{width:18px;height:18px;color:var(--accent);transition:transform .2s}.nav-dropdown[open] .chevron{transform:rotate(180deg)}.nav-submenu{position:absolute;top:calc(100% + 12px);left:-120px;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:5px;width:590px;max-height:calc(100dvh - 150px);overflow:auto;margin:0;padding:15px;list-style:none;background:#fff;border:1px solid var(--line);border-radius:22px;box-shadow:0 16px 45px #293b311f}.nav-submenu a{display:flex;align-items:center;gap:12px;min-height:52px;height:100%;padding:11px 13px;border-radius:13px;font-size:16px;line-height:1.5;text-decoration:none}.nav-submenu a:hover,.nav-submenu a[aria-current="page"]{background:var(--sky)}.nav-submenu svg{width:20px;height:20px;flex:none;color:var(--olive)}.main-nav .header-phone{display:flex;align-items:center;gap:8px;color:var(--accent);font-size:17px;font-weight:650}.header-phone svg{width:20px;height:20px}.menu-toggle{display:none;align-items:center;justify-content:center;width:46px;height:46px;border:1px solid var(--line);border-radius:13px;background:#fff;color:var(--ink);cursor:pointer}.menu-toggle svg{width:24px;height:24px}
.hero-shell{position:relative;isolation:isolate;width:min(1440px,calc(100% - 48px));min-height:665px;margin:27px auto 0;overflow:hidden;border-radius:32px;background:var(--sand)}.hero-photo{position:absolute;inset:0;z-index:-2}.hero-photo img{width:100%;height:100%;object-fit:cover;object-position:center}.hero-shell:after{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(90deg,#f7f4ed 0%,#f7f4edfa 27%,#f7f4edeb 39%,#f7f4eda6 51%,#f7f4ed18 64%,transparent 76%)}.hero-content{width:60%;max-width:745px;padding:62px 0 55px 64px}.hero-content h1{font-size:clamp(47px,4.3vw,65px);line-height:1.1;letter-spacing:-2px;max-width:590px;margin-bottom:27px}.hero-content h1 span{display:block;color:var(--olive);margin-top:5px}.hero-content .lead{max-width:505px}.hero-proof{display:flex;flex-wrap:wrap;gap:11px 21px;margin-top:26px;font-size:16px;font-weight:600;color:var(--olive)}.hero-proof span{display:flex;align-items:center;gap:6px}.hero-proof svg{width:18px;height:18px}.hero-location{position:absolute;right:27px;bottom:26px;padding:10px 18px;border:1px solid #ffffff99;border-radius:999px;background:#ffffffed;color:var(--olive-dark);font-size:15px;font-weight:600}.location-strip{display:flex;justify-content:space-between;flex-wrap:wrap;gap:13px;padding:26px 0;border-bottom:1px solid var(--line);color:var(--muted);font-size:16px}.location-strip strong{font-weight:650;color:var(--olive)}
.section{padding:88px 0}.section.soft{background:var(--sand)}.section-heading{display:flex;justify-content:space-between;align-items:end;gap:52px;margin-bottom:36px}.section-heading>p{max-width:410px;color:var(--muted);margin:0}.section-heading h2{max-width:650px}.situations{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px}.situation{padding:31px;border:1px solid var(--line);border-radius:var(--radius);background:#fff;display:flex;flex-direction:column;align-items:flex-start}.situation:nth-child(2){background:var(--sand);border-color:#e5ded1}.situation:nth-child(3){background:#f4f7f1}.situation h3{margin:24px 0 14px}.situation p{color:var(--muted);margin-bottom:22px}.situation .text-link{margin-top:auto}.split{display:grid;grid-template-columns:1fr 1fr;gap:66px;align-items:start}.intro-copy h2{margin-bottom:24px}.intro-copy p{color:var(--muted)}.definition-table{padding:29px;border:1px solid var(--line);border-radius:var(--radius);background:#fff}.definition-table>div{padding:19px 0;border-bottom:1px solid var(--line)}.definition-table>div:first-child{padding-top:0}.definition-table>div:last-child{border:0;padding-bottom:0}.definition-table strong{display:block;font-size:21px;margin-bottom:6px}.definition-table p{font-size:17px;color:var(--muted);margin:0}.note{margin:30px 0;padding:23px 27px;border-left:4px solid var(--olive);border-radius:0 18px 18px 0;background:var(--sky);font-size:17px;color:var(--ink)}.note p:last-child{margin-bottom:0}.note strong{color:var(--olive-dark)}.dark-band{padding:68px;border-radius:30px;background:var(--olive-dark);color:#f7f4ed;display:grid;grid-template-columns:1fr 1fr;gap:56px}.dark-band h2,.dark-band h3{color:#fff}.dark-band .eyebrow{color:#d6e4c9}.dark-band p{color:#edf2e7}.dark-band h2{margin-bottom:23px}.dark-band .text-link{color:#fff}.dark-list{margin:0;padding:0;list-style:none}.dark-list li{padding:0 0 20px;margin:0 0 20px;border-bottom:1px solid #f7f4ed38}.dark-list li:last-child{margin:0;padding:0;border:0}.dark-list strong{display:block;font-size:21px;margin-bottom:6px}.dark-list span{display:block;font-size:17px;color:#e3ebdc}
.guides{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}.guide-card{position:relative;padding:28px;border:1px solid var(--line);border-radius:24px;background:#fff;text-decoration:none;display:flex;flex-direction:column;align-items:start;transition:border-color .2s,transform .2s;min-width:0}.guide-card:hover{border-color:var(--olive);transform:translateY(-3px)}.guide-card .icon{width:44px;height:44px;border-radius:15px}.guide-card .icon svg{width:24px;height:24px}.guide-kicker{margin:19px 0 9px;font-size:14px;letter-spacing:.7px;text-transform:uppercase;color:var(--olive);font-weight:600}.guide-card h3{margin-bottom:13px;font-size:23px}.guide-card p{font-size:17px;color:var(--muted);margin-bottom:22px}.guide-card .guide-more{margin-top:auto;display:flex;justify-content:space-between;align-items:center;width:100%;gap:15px;color:var(--olive);font-size:16px;font-weight:650}.guide-card .guide-more svg{width:20px;height:20px}.guide-card.featured{grid-column:span 2;display:grid;grid-template-columns:1fr 1fr;gap:27px;background:#edf1e8;padding:33px}.guide-card.featured h3{font-size:31px;margin-top:11px}.guide-card.featured .featured-copy{display:flex;flex-direction:column;align-items:start}.featured-visual{display:flex;align-items:center;justify-content:center;border-radius:19px;background:#dce5d3;padding:28px}.featured-visual svg{width:180px;height:180px;color:var(--olive)}.step-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:23px;list-style:none;padding:0;margin:35px 0 0}.step-grid li{padding:28px 24px;border:1px solid var(--line);border-radius:22px}.step-number{display:inline-flex;align-items:center;justify-content:center;width:42px;height:42px;border-radius:50%;background:var(--sky);color:var(--olive);font-size:17px;font-weight:650}.step-grid h3{margin:21px 0 13px;font-size:22px}.step-grid p{font-size:17px;color:var(--muted);margin:0}.about-grid{display:grid;grid-template-columns:.72fr 1.28fr;gap:68px;align-items:center}.lawyer-photo{margin:0;position:relative;border-radius:29px;overflow:hidden;background:var(--sky)}.lawyer-photo img{width:100%;max-height:590px;object-fit:cover;object-position:center 23%}.lawyer-photo figcaption{padding:22px 25px;background:var(--olive-dark);color:#fff;font-size:16px;line-height:1.6}.lawyer-photo figcaption strong{display:block;font-size:21px}.about-copy h2{margin-bottom:24px}.checklist{padding:0;margin:22px 0;list-style:none}.checklist li{position:relative;padding-left:28px;margin-bottom:13px}.checklist li:before{content:"✓";position:absolute;left:0;color:var(--olive);font-weight:650}.faq-grid{display:grid;grid-template-columns:.75fr 1.25fr;gap:70px}.faq-intro h2{margin-bottom:24px}.faq-intro p{color:var(--muted)}.faq-list{display:grid;gap:12px}.faq-list details{border:1px solid var(--line);border-radius:19px;background:#fff;overflow:hidden}.faq-list summary{position:relative;list-style:none;padding:22px 57px 22px 24px;font-size:18px;font-weight:600;line-height:1.6;cursor:pointer}.faq-list summary::-webkit-details-marker{display:none}.faq-list summary:after{content:"+";position:absolute;right:23px;top:20px;font-size:25px;line-height:1.3;color:var(--olive)}.faq-list details[open] summary:after{content:"−"}.faq-list details>div{padding:0 24px 23px;color:var(--muted);font-size:18px}.faq-list details>div p:last-child{margin:0}
.contact-section{padding:83px 0;background:linear-gradient(115deg,#f3eee3,#f0f3eb)}.contact-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:75px;align-items:center}.contact-copy h2{margin-bottom:23px}.contact-copy .lead{max-width:620px}.contact-card{padding:37px;border:1px solid var(--line);border-radius:28px;background:#fff}.contact-card-label{font-size:14px;letter-spacing:1.1px;font-weight:650;color:var(--olive);margin-bottom:20px}.contact-phone{display:block;font-size:31px;line-height:1.4;font-weight:650;text-decoration:none;color:var(--accent);margin-bottom:10px}.contact-card>a:not(.contact-phone){display:block;width:fit-content;font-size:18px;margin-bottom:20px}.contact-card address{font-style:normal;margin:24px 0 18px}.contact-card .small{margin-top:23px}.site-footer{padding:44px 0 33px;background:var(--olive-dark);color:#edf2e7}.site-footer a:focus-visible{outline-color:#e5d0a7}.footer-main{display:flex;justify-content:space-between;align-items:center;gap:35px;padding-bottom:31px;border-bottom:1px solid #edf2e733}.footer-main p{font-size:17px;margin:0}.footer-brand img{width:204px;height:51px;filter:brightness(0) invert(1)}.footer-main-link{font-size:17px;font-weight:600}.footer-bottom{display:flex;align-items:start;justify-content:space-between;gap:45px;padding-top:27px}.footer-bottom p{font-size:16px;line-height:1.7;margin:0}.footer-legal{display:flex;flex-wrap:wrap;gap:12px 25px;max-width:480px;font-size:16px}.website-info{margin-top:26px;font-size:17px}.website-info summary{cursor:pointer;font-weight:600}.website-info p{margin-top:18px}.website-info .cookie-table th,.website-info .cookie-table td{border-color:#b5c4b1}.mobile-contact-bar{display:none}
.article-header{padding:54px 0 60px;background:var(--sand);border-radius:0 0 32px 32px}.breadcrumbs{display:flex;flex-wrap:wrap;gap:10px;font-size:16px;color:var(--muted);margin-bottom:31px}.breadcrumbs a{text-decoration:none}.breadcrumbs a:hover{text-decoration:underline}.article-hero-grid{display:grid;grid-template-columns:1fr 220px;gap:65px;align-items:center}.article-header h1{font-size:clamp(39px,4.3vw,61px);max-width:850px;margin-bottom:25px}.article-header .lead{max-width:880px}.article-symbol{display:flex;align-items:center;justify-content:center;background:#e5ebdc;border-radius:34px;width:210px;height:210px;transform:rotate(4deg)}.article-symbol svg{width:126px;height:126px;color:var(--olive);transform:rotate(-4deg)}.article-layout{display:grid;grid-template-columns:minmax(0,1fr) 310px;gap:62px;padding-block:65px 85px;align-items:start}.article-body{min-width:0;max-width:820px}.article-body section{margin-bottom:45px}.article-body h2{font-size:33px;line-height:1.3;letter-spacing:-.7px;margin:0 0 22px}.article-body h3{margin:24px 0 14px;font-size:22px}.article-body p,.article-body li{font-size:18px;line-height:1.85;color:var(--muted)}.article-body ul{padding-left:24px}.article-body li{margin-bottom:10px}.article-body strong{color:var(--ink)}.article-body .checklist{padding-left:0}.takeaway{display:flex;gap:18px;align-items:start;padding:26px;background:var(--sky);border:1px solid var(--line);border-radius:22px;margin:0 0 39px}.takeaway h2{font-family:var(--sans);font-size:22px;font-weight:600;letter-spacing:0;margin-bottom:11px}.takeaway p{margin:0;font-size:18px}.takeaway .icon{background:#dce6d4}.model-example{padding:27px;border-radius:23px;background:var(--sand);margin-bottom:39px}.model-example .eyebrow{margin-bottom:12px}.model-example h2{font-size:28px;margin-bottom:17px}.model-example p{margin:0}.article-aside{position:static;min-width:0}.aside-card{padding:26px;border:1px solid var(--line);border-radius:23px;background:var(--sand);margin-bottom:22px}.aside-card h2{font-family:var(--sans);font-size:21px;font-weight:600;letter-spacing:0;margin-bottom:18px}.toc{margin:0;padding:0;list-style:none}.toc li{font-size:16px;line-height:1.55;padding:11px 0;border-top:1px solid var(--line)}.toc a{text-decoration:none}.toc a:hover{text-decoration:underline;color:var(--accent)}.aside-contact{background:var(--olive-dark);color:#fff;border-color:var(--olive-dark)}.aside-contact h2,.aside-contact p{color:#fff}.aside-contact p{font-size:17px}.aside-contact .eyebrow{color:#dce9cf;font-size:13px}.aside-contact .button{width:100%;padding-inline:15px}.aside-contact>a:not(.button){display:block;font-size:22px;line-height:1.5;color:#fff;text-decoration:none;font-weight:600}.sources{padding-top:28px;border-top:1px solid var(--line);font-size:16px;margin-top:41px}.sources h2{font-family:var(--sans);font-size:19px;font-weight:600;letter-spacing:0}.sources a{display:block;margin:13px 0;color:var(--olive);font-size:16px}.sources p{font-size:16px;margin-bottom:0}.related{margin:40px 0}.related-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}.related-grid a{padding:17px 19px;border:1px solid var(--line);border-radius:17px;text-decoration:none;font-size:17px;background:#fff;line-height:1.6}.related-grid a:hover{background:var(--sky)}.legal-review{display:inline-flex;align-items:center;gap:8px;font-size:15px;color:var(--muted);margin-top:20px}
@media(min-width:1650px){.hero-shell{min-height:740px}.hero-content{padding-top:88px}.hero-content h1{font-size:69px}}
@media(max-width:1120px){.container{width:calc(100% - 64px)}.brand-tag{display:none}.header-inner{min-height:86px}.main-nav{gap:18px}.main-nav>a,.nav-dropdown>summary{font-size:15px}.main-nav .header-phone{font-size:16px}.hero-content{width:66%;padding-left:45px}.hero-content h1{font-size:52px}.hero-shell:after{background:linear-gradient(90deg,#f7f4ed 0%,#f7f4edfa 35%,#f7f4edbb 52%,transparent 80%)}.section{padding:69px 0}.situation{padding:26px}.guides{gap:17px}.guide-card{padding:23px}.guide-card h3{font-size:22px}.dark-band{padding:45px;gap:40px}.split,.about-grid,.faq-grid{gap:43px}.step-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.contact-grid{gap:43px}.article-layout{gap:38px;grid-template-columns:minmax(0,1fr) 275px}.article-header h1{font-size:49px}.article-hero-grid{grid-template-columns:1fr 160px;gap:36px}.article-symbol{width:160px;height:160px}.article-symbol svg{width:96px;height:96px}}
@media(max-width:980px){.header-inner{position:relative}.js .menu-toggle{display:flex}.js .main-nav{display:none}.site-header.menu-open .main-nav{display:flex}.main-nav{position:absolute;left:-32px;right:-32px;top:100%;flex-direction:column;align-items:stretch;gap:0;padding:18px 32px 23px;background:#fff;border-bottom:1px solid var(--line);max-height:calc(100dvh - 110px);overflow:auto}.main-nav>a{padding:13px 0;font-size:17px}.main-nav .header-phone{font-size:18px}.nav-dropdown>summary{justify-content:space-between;padding:13px 0;font-size:17px}.nav-submenu{position:static;width:auto;grid-template-columns:repeat(2,minmax(0,1fr));max-height:none;overflow:visible;box-shadow:none;background:var(--sand);margin-bottom:10px}.hero-shell{min-height:0;padding-top:340px;background:var(--sand)}.hero-photo{height:350px;bottom:auto}.hero-photo img{object-position:right center}.hero-shell:after{background:linear-gradient(180deg,transparent 0,transparent 255px,#f7f4ed 350px,#f7f4ed 100%)}.hero-content{padding:10px 34px 43px;width:100%;max-width:820px}.hero-content h1{font-size:52px;max-width:720px}.hero-content .lead{max-width:660px}.hero-location{top:25px;bottom:auto;font-size:14px}.hero-proof{margin-top:24px}.situations{grid-template-columns:1fr}.situation{display:grid;grid-template-columns:56px 1fr;gap:0 21px}.situation .icon{grid-row:span 3}.situation h3{margin:0 0 11px}.situation p{grid-column:2;margin-bottom:16px}.situation .text-link{grid-column:2}.section-heading{align-items:start;flex-direction:column;gap:22px}.section-heading>p{max-width:700px}.guides{grid-template-columns:repeat(2,minmax(0,1fr))}.guide-card.featured{grid-column:span 2}.split,.dark-band,.about-grid,.faq-grid,.contact-grid{grid-template-columns:1fr}.definition-table{max-width:750px}.dark-band{gap:30px}.lawyer-photo{max-width:430px}.about-copy{grid-row:1}.about-grid{gap:35px}.contact-card{max-width:640px;width:100%}.footer-main{align-items:start;flex-wrap:wrap;gap:22px}.footer-bottom{flex-direction:column;gap:19px}.footer-legal{max-width:none}.article-layout{grid-template-columns:1fr;gap:35px;padding-top:40px}.article-aside{position:static;display:grid;grid-template-columns:1fr 1fr;gap:20px;grid-row:1}.aside-card{margin:0}.article-body{max-width:none}.article-hero-grid{grid-template-columns:1fr}.article-symbol{display:none}.article-header h1{max-width:850px}}
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@media(max-width:370px){.container{width:calc(100% - 32px)}.hero-content{padding-inline:20px}.hero-content h1{font-size:37px}.hero-content .button{padding-inline:18px}.situation{display:block}.situation .icon{margin-bottom:20px}.situation h3{margin-bottom:14px}.contact-phone{font-size:27px}.mobile-contact-bar{gap:8px;padding-inline:10px}.mobile-contact-bar a{font-size:15px}.main-nav{left:-16px;right:-16px;padding-inline:16px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{transition:none!important}}
@media print{body{font-size:12pt;background:#fff}.site-header{position:static}.main-nav,.menu-toggle,.mobile-contact-bar,.hero-photo,.hero-shell:after,.hero-location,.article-aside,.button{display:none!important}.container{width:95%}.hero-shell{width:95%;padding:0;min-height:0;margin:20px auto;background:#fff}.hero-content{padding:0;width:100%;max-width:none}.hero-content h1{font-size:36pt}.section,.contact-section{padding:30px 0;background:#fff}.dark-band{background:#fff;color:#222;border:1px solid #ccc;padding:25px}.dark-band h2,.dark-band h3,.dark-band p,.dark-band span{color:#222}.article-layout{display:block;padding-block:25px}.article-header{background:#fff;padding:25px 0}.article-header h1{font-size:30pt}.site-footer{background:#fff;color:#222;padding:25px 0}.footer-brand img{filter:none}.guide-card,.situation,.step-grid li,.model-example{break-inside:avoid}.lawyer-photo{max-width:220px}}

/* Keep the navigation usable when JavaScript is disabled. */
@media(max-width:980px){body:not(.js) .header-inner{flex-wrap:wrap;padding-block:15px}body:not(.js) .main-nav{position:static;width:100%;flex-direction:row;flex-wrap:wrap;align-items:center;gap:12px 24px;padding:0;border:0;max-height:none;overflow:visible}body:not(.js) .main-nav>a{padding:4px 0}body:not(.js) .nav-dropdown{flex-basis:100%}body:not(.js) .nav-submenu{margin-top:8px}}