@font-face{font-family:Manrope;font-style:normal;font-weight:400;font-display:swap;src:url(../media/a342834df7752944-s.1ypl14jhz9yyw.woff2)format("woff2");unicode-range:U+460-52F,U+1C80-1C8A,U+20B4,U+2DE0-2DFF,U+A640-A69F,U+FE2E-FE2F}@font-face{font-family:Manrope;font-style:normal;font-weight:400;font-display:swap;src:url(../media/d3fe2f289711ac3f-s.2g9li78_0_it5.woff2)format("woff2");unicode-range:U+301,U+400-45F,U+490-491,U+4B0-4B1,U+2116}@font-face{font-family:Manrope;font-style:normal;font-weight:400;font-display:swap;src:url(../media/58c4895d0a0ef7cc-s.00u3xrku2lqty.woff2)format("woff2");unicode-range:U+370-377,U+37A-37F,U+384-38A,U+38C,U+38E-3A1,U+3A3-3FF}@font-face{font-family:Manrope;font-style:normal;font-weight:400;font-display:swap;src:url(../media/bfc7db5c00d21bc5-s.2vepgg3wcdr2q.woff2)format("woff2");unicode-range:U+102-103,U+110-111,U+128-129,U+168-169,U+1A0-1A1,U+1AF-1B0,U+300-301,U+303-304,U+308-309,U+323,U+329,U+1EA0-1EF9,U+20AB}@font-face{font-family:Manrope;font-style:normal;font-weight:400;font-display:swap;src:url(../media/6ab0db14f70d8ed6-s.2ttjmmx-9gnz1.woff2)format("woff2");unicode-range:U+100-2BA,U+2BD-2C5,U+2C7-2CC,U+2CE-2D7,U+2DD-2FF,U+304,U+308,U+329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C4,U+2113,U+2C60-2C7F,U+A720-A7FF}@font-face{font-family:Manrope;font-style:normal;font-weight:400;font-display:swap;src:url(../media/a343f882a40d2cc9-s.p.3259ncl47-hqj.woff2)format("woff2");unicode-range:U+??,U+131,U+152-153,U+2BB-2BC,U+2C6,U+2DA,U+2DC,U+304,U+308,U+329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}@font-face{font-family:Manrope;font-style:normal;font-weight:500;font-display:swap;src:url(../media/a342834df7752944-s.1ypl14jhz9yyw.woff2)format("woff2");unicode-range:U+460-52F,U+1C80-1C8A,U+20B4,U+2DE0-2DFF,U+A640-A69F,U+FE2E-FE2F}@font-face{font-family:Manrope;font-style:normal;font-weight:500;font-display:swap;src:url(../media/d3fe2f289711ac3f-s.2g9li78_0_it5.woff2)format("woff2");unicode-range:U+301,U+400-45F,U+490-491,U+4B0-4B1,U+2116}@font-face{font-family:Manrope;font-style:normal;font-weight:500;font-display:swap;src:url(../media/58c4895d0a0ef7cc-s.00u3xrku2lqty.woff2)format("woff2");unicode-range:U+370-377,U+37A-37F,U+384-38A,U+38C,U+38E-3A1,U+3A3-3FF}@font-face{font-family:Manrope;font-style:normal;font-weight:500;font-display:swap;src:url(../media/bfc7db5c00d21bc5-s.2vepgg3wcdr2q.woff2)format("woff2");unicode-range:U+102-103,U+110-111,U+128-129,U+168-169,U+1A0-1A1,U+1AF-1B0,U+300-301,U+303-304,U+308-309,U+323,U+329,U+1EA0-1EF9,U+20AB}@font-face{font-family:Manrope;font-style:normal;font-weight:500;font-display:swap;src:url(../media/6ab0db14f70d8ed6-s.2ttjmmx-9gnz1.woff2)format("woff2");unicode-range:U+100-2BA,U+2BD-2C5,U+2C7-2CC,U+2CE-2D7,U+2DD-2FF,U+304,U+308,U+329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C4,U+2113,U+2C60-2C7F,U+A720-A7FF}@font-face{font-family:Manrope;font-style:normal;font-weight:500;font-display:swap;src:url(../media/a343f882a40d2cc9-s.p.3259ncl47-hqj.woff2)format("woff2");unicode-range:U+??,U+131,U+152-153,U+2BB-2BC,U+2C6,U+2DA,U+2DC,U+304,U+308,U+329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}@font-face{font-family:Manrope;font-style:normal;font-weight:600;font-display:swap;src:url(../media/a342834df7752944-s.1ypl14jhz9yyw.woff2)format("woff2");unicode-range:U+460-52F,U+1C80-1C8A,U+20B4,U+2DE0-2DFF,U+A640-A69F,U+FE2E-FE2F}@font-face{font-family:Manrope;font-style:normal;font-weight:600;font-display:swap;src:url(../media/d3fe2f289711ac3f-s.2g9li78_0_it5.woff2)format("woff2");unicode-range:U+301,U+400-45F,U+490-491,U+4B0-4B1,U+2116}@font-face{font-family:Manrope;font-style:normal;font-weight:600;font-display:swap;src:url(../media/58c4895d0a0ef7cc-s.00u3xrku2lqty.woff2)format("woff2");unicode-range:U+370-377,U+37A-37F,U+384-38A,U+38C,U+38E-3A1,U+3A3-3FF}@font-face{font-family:Manrope;font-style:normal;font-weight:600;font-display:swap;src:url(../media/bfc7db5c00d21bc5-s.2vepgg3wcdr2q.woff2)format("woff2");unicode-range:U+102-103,U+110-111,U+128-129,U+168-169,U+1A0-1A1,U+1AF-1B0,U+300-301,U+303-304,U+308-309,U+323,U+329,U+1EA0-1EF9,U+20AB}@font-face{font-family:Manrope;font-style:normal;font-weight:600;font-display:swap;src:url(../media/6ab0db14f70d8ed6-s.2ttjmmx-9gnz1.woff2)format("woff2");unicode-range:U+100-2BA,U+2BD-2C5,U+2C7-2CC,U+2CE-2D7,U+2DD-2FF,U+304,U+308,U+329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C4,U+2113,U+2C60-2C7F,U+A720-A7FF}@font-face{font-family:Manrope;font-style:normal;font-weight:600;font-display:swap;src:url(../media/a343f882a40d2cc9-s.p.3259ncl47-hqj.woff2)format("woff2");unicode-range:U+??,U+131,U+152-153,U+2BB-2BC,U+2C6,U+2DA,U+2DC,U+304,U+308,U+329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}@font-face{font-family:Manrope;font-style:normal;font-weight:700;font-display:swap;src:url(../media/a342834df7752944-s.1ypl14jhz9yyw.woff2)format("woff2");unicode-range:U+460-52F,U+1C80-1C8A,U+20B4,U+2DE0-2DFF,U+A640-A69F,U+FE2E-FE2F}@font-face{font-family:Manrope;font-style:normal;font-weight:700;font-display:swap;src:url(../media/d3fe2f289711ac3f-s.2g9li78_0_it5.woff2)format("woff2");unicode-range:U+301,U+400-45F,U+490-491,U+4B0-4B1,U+2116}@font-face{font-family:Manrope;font-style:normal;font-weight:700;font-display:swap;src:url(../media/58c4895d0a0ef7cc-s.00u3xrku2lqty.woff2)format("woff2");unicode-range:U+370-377,U+37A-37F,U+384-38A,U+38C,U+38E-3A1,U+3A3-3FF}@font-face{font-family:Manrope;font-style:normal;font-weight:700;font-display:swap;src:url(../media/bfc7db5c00d21bc5-s.2vepgg3wcdr2q.woff2)format("woff2");unicode-range:U+102-103,U+110-111,U+128-129,U+168-169,U+1A0-1A1,U+1AF-1B0,U+300-301,U+303-304,U+308-309,U+323,U+329,U+1EA0-1EF9,U+20AB}@font-face{font-family:Manrope;font-style:normal;font-weight:700;font-display:swap;src:url(../media/6ab0db14f70d8ed6-s.2ttjmmx-9gnz1.woff2)format("woff2");unicode-range:U+100-2BA,U+2BD-2C5,U+2C7-2CC,U+2CE-2D7,U+2DD-2FF,U+304,U+308,U+329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C4,U+2113,U+2C60-2C7F,U+A720-A7FF}@font-face{font-family:Manrope;font-style:normal;font-weight:700;font-display:swap;src:url(../media/a343f882a40d2cc9-s.p.3259ncl47-hqj.woff2)format("woff2");unicode-range:U+??,U+131,U+152-153,U+2BB-2BC,U+2C6,U+2DA,U+2DC,U+304,U+308,U+329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}@font-face{font-family:Manrope Fallback;src:local(Arial);ascent-override:103.31%;descent-override:29.07%;line-gap-override:0.0%;size-adjust:103.19%}.gSEV8a_className{font-family:Manrope,Manrope Fallback;font-style:normal}.gSEV8a_variable{--font-manrope:"Manrope", "Manrope Fallback"}
:root{--bg:#f5f2ec;--bg-2:#eeeae2;--surface:#fbfaf7;--surface-2:#e8e3d9;--studio:#aab8d3;--navy:#13233d;--navy-2:#1f3554;--night:#0e1a2e;--ink:#172235;--ink-2:#4d5768;--ink-3:#626b7b;--sky:#c9dcf8;--sky-2:#b4cff5;--blue:#4587e5;--blue-ink:#1f5bb5;--line:#13233d21;--line-2:#13233d3d;--line-dark:#fff3;--on-dark:#f7f5f0;--on-dark-2:#f7f5f0cc;--on-dark-3:#f7f5f09e;--error:#a3261b;--c-personal:#4587e5;--c-business:#13233d;--c-group:#b88a4c;--c-kiwisaver:#5f927a;--sans:var(--font-manrope), "Helvetica Neue", Arial, system-ui, -apple-system, "Segoe UI", sans-serif;--serif:var(--sans);--head:var(--sans);--text:var(--sans);--max:1240px;--pad:clamp(20px, 4.5vw, 64px);--gap:clamp(16px, 2vw, 28px);--r-lg:4px;--r:3px;--r-sm:2px;--header-h:84px;--ease:cubic-bezier(.22, 1, .36, 1);--ease-io:cubic-bezier(.65, 0, .35, 1)}*,:before,:after{box-sizing:border-box}html{-webkit-text-size-adjust:100%;scroll-padding-top:calc(var(--header-h) + 16px)}@media (prefers-reduced-motion:no-preference){html{scroll-behavior:smooth}}body{background:var(--bg);color:var(--ink);font-family:var(--text);-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;margin:0;font-size:1.0625rem;line-height:1.6}img,svg{max-width:100%;display:block}img{height:auto}a{color:inherit}p{text-wrap:pretty;margin:0}ul,ol{margin:0;padding:0;list-style:none}h1,h2,h3,h4,blockquote,figure,dl,dd{margin:0}h1,h2,h3,h4{font-family:var(--serif);text-wrap:balance;color:var(--navy);font-weight:400}:focus-visible{outline:2px solid var(--blue);outline-offset:3px}::selection{background:var(--sky);color:var(--navy)}.wrap{width:100%;max-width:calc(var(--max) + var(--pad) * 2);padding-inline:var(--pad);margin-inline:auto}.visually-hidden{clip:rect(0 0 0 0);white-space:nowrap;border:0;width:1px;height:1px;margin:-1px;padding:0;overflow:hidden;position:absolute!important}.skip-link{z-index:300;background:var(--navy);color:#fff;padding:12px 18px;font-weight:500;text-decoration:none;position:absolute;top:-80px;left:16px}.skip-link:focus{top:12px}.t-hero{letter-spacing:-.02em;font-size:clamp(3rem,5.6vw,5.1rem);line-height:1.02}.t-1{letter-spacing:-.018em;font-size:clamp(2.4rem,4.2vw,3.7rem);line-height:1.06}.t-2{letter-spacing:-.015em;font-size:clamp(2rem,3.4vw,3rem);line-height:1.08}.t-3{letter-spacing:-.008em;font-size:clamp(1.35rem,1.7vw,1.6rem);line-height:1.2}.t-4{font-family:var(--text);color:var(--ink);font-size:1.0625rem;font-weight:600;line-height:1.35}.t-quote{font-family:var(--serif);letter-spacing:-.01em;font-size:clamp(1.4rem,2.1vw,1.9rem);line-height:1.32}.lede{color:var(--ink-2);max-width:36em;font-size:clamp(1.0625rem,1.2vw,1.1875rem);line-height:1.6}.copy{color:var(--ink-2);gap:1em;max-width:38em;display:grid}.small{font-size:.9375rem;line-height:1.55}.label{font-family:var(--text);letter-spacing:.14em;text-transform:uppercase;color:var(--ink-2);align-items:center;gap:10px;font-size:.75rem;font-weight:600;line-height:1.3;display:inline-flex}.dot{background:var(--c,var(--blue));border-radius:50%;flex:none;width:7px;height:7px}[data-service=personal]{--c:var(--c-personal)}[data-service=business]{--c:var(--c-business)}[data-service=group]{--c:var(--c-group)}[data-service=kiwisaver]{--c:var(--c-kiwisaver)}.btn{--bg-1:var(--navy);--fg-1:#fff;--bg-h:var(--navy-2);--bd:transparent;border:1px solid var(--bd);background:var(--bg-1);min-height:52px;color:var(--fg-1);font:500 .9375rem/1 var(--text);white-space:nowrap;cursor:pointer;transition:background-color .25s var(--ease), color .25s var(--ease), border-color .25s;border-radius:999px;justify-content:center;align-items:center;gap:12px;padding:0 26px;text-decoration:none;display:inline-flex}.btn:hover{background:var(--bg-h)}.btn .chev{width:16px;height:16px;transition:transform .3s var(--ease)}.btn:hover .chev{transform:translate(3px)}.btn--rect{border-radius:6px}.btn--sm{min-height:44px;padding:0 18px;font-size:.875rem}.btn--light{--bg-1:#fff;--fg-1:var(--navy);--bg-h:var(--sky);border-radius:4px}.btn--ghost-light{--bg-1:transparent;--fg-1:#fff;--bg-h:#ffffff1a;--bd:#ffffffb3;border-radius:4px}.btn--sky{--bg-1:var(--sky);--fg-1:var(--navy);--bg-h:var(--sky-2)}.more{color:var(--navy);align-items:center;gap:10px;padding:6px 0;font-size:.9375rem;font-weight:500;text-decoration:none;display:inline-flex}.more span{text-underline-offset:5px;text-decoration:underline;text-decoration-thickness:1px}.more .chev{width:16px;height:16px;transition:transform .3s var(--ease)}.more:hover .chev{transform:translate(4px)}.more--plain span{text-decoration:none}.actions{flex-wrap:wrap;align-items:center;gap:14px 32px;display:flex}.prose-link{color:var(--blue-ink);text-underline-offset:3px;text-decoration:underline;text-decoration-thickness:1px}.dark .prose-link{color:var(--sky)}@media (prefers-reduced-motion:reduce){.btn,.btn .chev,.more .chev{transition:none}}.dark{background:var(--navy);color:var(--on-dark)}.dark h1,.dark h2,.dark h3,.dark h4{color:var(--on-dark)}.dark .lede,.dark .copy,.dark .label{color:var(--on-dark-2)}.frame{border-radius:var(--r);background:var(--surface-2);position:relative;overflow:hidden}.frame img{object-fit:cover;width:100%;height:100%}.section{padding:clamp(80px,9vw,128px) 0}.section--tight{padding:clamp(56px,6vw,88px) 0}.section-head{grid-template-columns:minmax(0,7fr) minmax(0,5fr);align-items:end;gap:20px clamp(32px,5vw,80px);margin-bottom:clamp(40px,5vw,64px);display:grid}.section-head>div{gap:16px;display:grid}@media (max-width:860px){.section-head{grid-template-columns:1fr}}.panel{width:100%}.panel--white{background:var(--surface)}.panel--stone{background:var(--bg-2)}.site-header{z-index:100;background:var(--bg);transition:background-color .3s var(--ease), border-color .3s var(--ease);border-bottom:1px solid #0000;position:sticky;top:0}.site-header[data-scrolled=true]{border-bottom-color:var(--line)}.site-header[data-home=true]{position:fixed;left:0;right:0}.site-header[data-over-hero=true]{background:0 0}.header-bar{height:var(--header-h);align-items:center;gap:32px;display:flex}.brand{flex:none;width:229px}.brand img{width:100%;height:auto}.nav{margin-inline:auto}.nav ul{gap:clamp(24px,3vw,44px);display:flex}.nav a{color:var(--navy);padding:8px 0;font-size:.875rem;font-weight:500;text-decoration:none;display:block;position:relative}.nav a:after{content:"";transform-origin:0;height:1px;transition:transform .35s var(--ease);background:currentColor;position:absolute;bottom:2px;left:0;right:0;transform:scaleX(0)}.nav a:hover:after,.nav a[aria-current=page]:after{transform:scaleX(1)}.menu-button{border:1px solid var(--line-2);height:44px;color:var(--navy);font:500 .9375rem/1 var(--text);cursor:pointer;background:#fff9;border-radius:6px;align-items:center;gap:12px;margin-left:auto;padding:0 16px;display:none}.menu-icon{gap:5px;width:18px;display:grid}.menu-icon i{height:1.5px;transition:transform .3s var(--ease);background:currentColor;display:block}.menu-button[aria-expanded=true] .menu-icon i:first-child{transform:translateY(3.25px)rotate(45deg)}.menu-button[aria-expanded=true] .menu-icon i:last-child{transform:translateY(-3.25px)rotate(-45deg)}.menu{display:none}@media (max-width:960px){:root{--header-h:68px}.nav,.header-cta{display:none}.menu-button{display:inline-flex}.brand{width:200px}.menu{inset:var(--header-h) 0 0 0;z-index:99;background:var(--bg);visibility:hidden;opacity:0;transition:opacity .25s var(--ease), visibility 0s linear .25s;display:block;position:fixed;overflow-y:auto}.menu[data-open=true]{visibility:visible;opacity:1;transition:opacity .25s var(--ease), visibility 0s}.menu-inner{flex-direction:column;justify-content:space-between;gap:40px;min-height:100%;padding-top:24px;padding-bottom:32px;display:flex}.menu-services{border-top:1px solid var(--line);margin-top:10px}.menu-services a,.menu-pages a{border-bottom:1px solid var(--line);font-family:var(--serif);color:var(--navy);padding:14px 0;font-size:1.6rem;line-height:1.2;text-decoration:none;display:block}.menu-pages{margin-top:24px}.menu-pages a{font-family:var(--text);font-size:1.0625rem;font-weight:500}.menu a[aria-current=page]{color:var(--blue-ink)}.menu-foot{justify-items:start;gap:14px;display:grid}.menu-foot .btn{width:100%}}@media (prefers-reduced-motion:reduce){.menu,.menu-icon i,.nav a:after{transition:none}}.hero{background:var(--bg);align-items:center;min-height:clamp(620px,52vw,760px);display:grid;position:relative;overflow:hidden}.hero-photo{width:60%;position:absolute;top:0;bottom:0;right:0}.hero-photo img{object-fit:cover;object-position:50% 55%;width:100%;height:100%}.hero-photo:before{content:"";z-index:1;background:linear-gradient(90deg, var(--bg) 0%, #f5f2ec99 10%, #f5f2ec00 24%);position:absolute;inset:0}.hero-words{top:calc(var(--header-h) + 20px);right:max(var(--pad), calc((100vw - var(--max)) / 2));z-index:2;color:#fff;text-shadow:0 1px 10px #00000059;letter-spacing:.2em;text-transform:uppercase;gap:8px;padding-bottom:22px;font-size:.75rem;font-weight:600;display:grid;position:absolute}.hero-words:after{content:"";background:currentColor;width:40px;height:1px;position:absolute;bottom:0;left:0}.hero-inner{z-index:2;padding-top:calc(var(--header-h) + 32px);padding-bottom:72px;position:relative}.hero-copy{justify-items:start;gap:24px;max-width:560px;display:grid}.hero-copy h1{margin-top:-4px}.hero-lede{max-width:30em;color:var(--ink-2)}.hero-copy .actions{margin-top:10px}@media (prefers-reduced-motion:no-preference){.hero-copy>*{animation:fade-up .9s var(--ease) both}.hero-copy>:nth-child(2){animation-delay:60ms}.hero-copy>:nth-child(3){animation-delay:.12s}.hero-copy>:nth-child(4){animation-delay:.18s}.hero-photo img{animation:photo-in 1.6s var(--ease) both}}@keyframes fade-up{0%{opacity:0;transform:translateY(12px)}to{opacity:1;transform:none}}@keyframes photo-in{0%{opacity:0;transform:scale(1.04)}to{opacity:1;transform:none}}@media (max-width:900px){.hero{flex-direction:column-reverse;min-height:0;display:flex}.hero-photo{aspect-ratio:4/3;width:100%;position:relative}.hero-photo:before{background:linear-gradient(180deg, var(--bg) 0%, #f5f2ec00 30%)}.hero-words{display:none}.hero-inner{padding-top:calc(var(--header-h) + 28px);padding-bottom:8px}}.providers-strip{background:var(--surface);border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:clamp(48px,5vw,64px) 0}.providers-strip .label{margin-bottom:24px}.logos-row{grid-template-columns:repeat(var(--n,13), minmax(0, 1fr));align-items:center;gap:8px clamp(8px,1.4vw,24px);display:grid}.providers-strip .logos-row{grid-template-columns:repeat(7,minmax(0,1fr));row-gap:4px}.logos-row li{place-items:center;height:76px;display:grid}.logos-row img{mix-blend-mode:multiply;filter:grayscale()contrast(1.12);opacity:.75;max-width:100%;transition:filter .35s var(--ease), opacity .35s var(--ease)}.logos-row li:hover img{filter:none;opacity:1}.logos-label{color:var(--ink-3);margin-bottom:12px;font-size:.875rem}@media (max-width:760px){.providers-strip .logos-row,.logos-row{grid-template-columns:repeat(4,minmax(0,1fr))}.logos-row li{height:64px}.logos-row img{transform:scale(.8)}}.services{background:var(--bg-2);padding:clamp(72px,8vw,112px) 0}.services-grid{column-gap:var(--gap);grid-template-columns:repeat(12,minmax(0,1fr));row-gap:48px;display:grid}.services-intro{grid-column:1/5;align-content:start;justify-items:start;gap:22px;padding-top:8px;display:grid}.services-intro .copy{max-width:24em}.service-panels{gap:var(--gap);grid-column:5/13;grid-template-columns:repeat(2,minmax(0,1fr));display:grid}.service-panel{background:var(--surface);height:100%;color:inherit;transition:box-shadow .3s var(--ease);grid-template-rows:auto 1fr;text-decoration:none;display:grid}.service-panel:hover{box-shadow:0 18px 40px -24px #13233d59}.service-panel-img{aspect-ratio:2.6;background:var(--surface-2);display:block;overflow:hidden}.service-panel-img img{object-fit:cover;width:100%;height:100%;transition:transform .8s var(--ease)}.service-panel:hover .service-panel-img img{transform:scale(1.04)}.service-panel-body{grid-template-columns:minmax(0,1fr) auto;align-items:center;gap:20px;padding:22px 24px 26px;display:grid}.service-panel-text{gap:8px;display:grid}.service-panel-title{font-family:var(--serif);color:var(--navy);font-size:clamp(1.35rem,1.6vw,1.6rem);line-height:1.15}.service-panel-desc{color:var(--ink-2);font-size:.9375rem;line-height:1.5}.round-arrow{border:1px solid var(--line-2);width:44px;height:44px;color:var(--navy);transition:background-color .3s var(--ease), color .3s var(--ease), border-color .3s;border-radius:50%;place-items:center;display:grid}.round-arrow .chev{width:16px;height:16px}.service-panel:hover .round-arrow{background:var(--navy);border-color:var(--navy);color:#fff}@media (max-width:1000px){.services-intro,.service-panels{grid-column:1/-1}}@media (max-width:640px){.service-panels{grid-template-columns:1fr}}.adviser{background:var(--bg);grid-template-columns:50% 50%;display:grid}.adviser-media{background:var(--studio);min-height:clamp(560px,46vw,720px);position:relative;overflow:hidden}.adviser-media img{object-fit:cover;object-position:50% 12%;width:100%;max-width:none;height:100%;position:absolute;inset:0}.adviser-copy{padding:64px max(var(--pad), calc((100vw - var(--max)) / 2)) 64px clamp(40px, 6vw, 96px);align-content:center;justify-items:start;gap:22px;display:grid}.adviser-copy .lede{max-width:30em}.adviser-facts{border-top:1px solid var(--line-2);width:100%;max-width:30em}.adviser-facts>div{border-bottom:1px solid var(--line);grid-template-columns:120px minmax(0,1fr);gap:4px 20px;padding:11px 0;font-size:.9375rem;display:grid}.adviser-facts dt{color:var(--ink-3)}.adviser-facts dd{color:var(--ink)}@media (max-width:900px){.adviser{grid-template-columns:1fr}.adviser-media{aspect-ratio:1;min-height:0}.adviser-copy{padding:56px var(--pad) 8px}}@media (max-width:480px){.adviser-facts>div{grid-template-columns:1fr}}.team{background:var(--bg);padding:clamp(56px,6vw,88px) 0 clamp(72px,8vw,112px)}.team-grid{column-gap:var(--gap);border-top:1px solid var(--line);grid-template-columns:repeat(12,minmax(0,1fr));align-items:center;row-gap:32px;padding-top:clamp(56px,6vw,88px);display:grid}.team-photo{border-radius:var(--r);background:var(--studio);grid-area:1/9/auto/13;overflow:hidden}.team-photo img{aspect-ratio:1;object-fit:cover;width:100%}.team-copy{grid-area:1/1/auto/7;justify-items:start;gap:18px;display:grid}@media (max-width:900px){.team-photo{grid-area:1/1/auto/-1;max-width:320px}.team-copy{grid-area:2/1/auto/-1}}.why-head{column-gap:var(--gap);grid-template-columns:repeat(12,minmax(0,1fr));align-items:end;row-gap:20px;margin-bottom:clamp(40px,5vw,64px);display:grid}.why-head>div{grid-column:1/6;gap:16px;display:grid}.why-head .copy{grid-column:6/10;max-width:24em;padding-bottom:6px}.why-head .more{grid-column:10/13;justify-self:end;padding-bottom:6px}.why-row{grid-template-columns:repeat(5,minmax(0,1fr));display:grid}.why-row li{border-left:1px solid var(--line);align-content:start;gap:12px;padding:4px clamp(16px,2vw,28px) 8px;display:grid}.why-row li:first-child{border-left:0;padding-left:0}.why-row li:last-child{padding-right:0}.why-icon{color:var(--navy);margin-bottom:6px}.why-row h3{font-size:clamp(1.25rem,1.5vw,1.4rem)}.why-row p{color:var(--ink-2);font-size:.9375rem;line-height:1.55}@media (max-width:1000px){.why-head>div,.why-head .copy{grid-column:1/-1}.why-head .more{grid-column:1/-1;justify-self:start}.why-row{grid-template-columns:repeat(2,minmax(0,1fr));row-gap:36px}.why-row li,.why-row li:first-child{border-left:0;border-top:1px solid var(--line);padding:24px 24px 0 0}}@media (max-width:560px){.why-row{grid-template-columns:1fr;row-gap:28px}}.voices .label{margin-bottom:14px}.voices-title{margin-bottom:clamp(36px,4vw,56px)}.voices-row{grid-template-columns:repeat(3,minmax(0,1fr));display:grid}.voices-row li{border-left:1px solid var(--line-2);padding:0 clamp(20px,3vw,44px)}.voices-row li:first-child{border-left:0;padding-left:0}.voices-row li:last-child{padding-right:0}.voices-row figure{gap:16px;display:grid}.voices-row blockquote{font-family:var(--serif);color:var(--ink);font-size:clamp(1.15rem,1.4vw,1.3rem);line-height:1.45}.voices-row figcaption{color:var(--ink-3);font-size:.875rem}@media (max-width:860px){.voices-row{grid-template-columns:1fr;row-gap:32px}.voices-row li,.voices-row li:first-child{border-left:0;border-top:1px solid var(--line-2);padding:28px 0 0}}.facts{border-top:1px solid var(--line-2);width:100%}.facts>div{border-bottom:1px solid var(--line);gap:2px;padding:13px 0;font-size:.9375rem;display:grid}.facts dt{color:var(--ink-3);font-size:.8125rem}.facts dd{color:var(--ink)}.closing{background:var(--night);position:relative;overflow:hidden}.closing-bg{object-fit:cover;object-position:50% 60%;width:100%;height:100%;position:absolute;inset:0}.closing:before{content:"";z-index:1;background:linear-gradient(90deg,#0a1424db 0%,#0a14249e 55%,#0a142480 100%);position:absolute;inset:0}.closing-grid{z-index:2;column-gap:var(--gap);grid-template-columns:repeat(12,minmax(0,1fr));align-items:center;padding-top:clamp(72px,8vw,112px);padding-bottom:clamp(72px,8vw,112px);display:grid;position:relative}.closing-head{grid-column:1/7;gap:16px;padding-right:clamp(24px,4vw,56px);display:grid}.closing-side{border-left:1px solid var(--line-dark);color:var(--on-dark-2);grid-column:7/13;gap:24px;padding:8px 0 8px clamp(24px,4vw,64px);display:grid}.closing-side p{max-width:30em}.closing-actions{flex-wrap:wrap;gap:14px;display:flex}@media (max-width:860px){.closing-head,.closing-side{grid-column:1/-1}.closing-side{border-left:0;border-top:1px solid var(--line-dark);margin-top:28px;padding:28px 0 0}}.site-footer{background:var(--bg);padding:clamp(56px,6vw,80px) 0 28px;font-size:.875rem}.footer-grid{column-gap:var(--gap);grid-template-columns:repeat(12,minmax(0,1fr));row-gap:36px;padding-bottom:40px;display:grid}.footer-brand{grid-column:1/4;align-content:start;gap:12px;display:grid}.footer-brand img{width:180px}.footer-brand p{color:var(--ink-2)}.footer-grid>.footer-col:nth-child(2){grid-column:4/6}.footer-grid>.footer-col:nth-child(3){grid-column:6/8}.footer-grid>.footer-col:nth-child(4){grid-column:8/10}.footer-grid>.footer-col:nth-child(5){grid-column:10/13}.footer-title{font:600 .8125rem/1.4 var(--text);color:var(--navy);margin-bottom:14px}.footer-col ul,.footer-col address{gap:8px;font-style:normal;display:grid}.footer-col a{color:var(--ink-2);overflow-wrap:anywhere;text-decoration:none}.footer-col a:hover{color:var(--navy);text-underline-offset:3px;text-decoration:underline}.footer-legal{border-top:1px solid var(--line);color:var(--ink-3);padding:22px 0;font-size:.8125rem;line-height:1.6}.footer-legal p{max-width:72em}.footer-bottom{border-top:1px solid var(--line);color:var(--ink-3);flex-wrap:wrap;justify-content:space-between;align-items:center;gap:12px 24px;padding-top:20px;font-size:.8125rem;display:flex}.footer-bottom ul{gap:24px;display:flex}.footer-bottom a{color:var(--ink-3);text-decoration:none}.footer-bottom a:hover{color:var(--navy);text-underline-offset:3px;text-decoration:underline}@media (max-width:1000px){.footer-brand{grid-column:1/-1}.footer-grid>.footer-col:nth-child(2){grid-column:1/4}.footer-grid>.footer-col:nth-child(3){grid-column:4/7}.footer-grid>.footer-col:nth-child(4){grid-column:7/10}.footer-grid>.footer-col:nth-child(5){grid-column:10/13}}@media (max-width:700px){.footer-grid>.footer-col:nth-child(n){grid-column:span 6}}.page-hero{padding:clamp(32px,5vw,72px) 0 clamp(56px,7vw,104px)}.page-hero-grid{grid-template-columns:minmax(0,1fr) minmax(0,1fr);align-items:center;gap:40px clamp(32px,5vw,80px);display:grid}.page-hero-copy{justify-items:start;gap:24px;display:grid}.page-hero-photo{aspect-ratio:4/5;width:100%;max-height:680px}.page-hero--wide .page-hero-grid{grid-template-columns:minmax(0,7fr) minmax(0,5fr);align-items:end}.page-hero--wide .page-hero-copy{grid-column:1/-1;grid-template-columns:minmax(0,7fr) minmax(0,5fr);align-items:end;column-gap:clamp(32px,5vw,80px)}.page-hero--wide .page-hero-copy .label,.page-hero--wide .page-hero-copy h1{grid-column:1}.page-hero--wide .page-hero-copy .lede{grid-area:2/2;align-self:end}.page-hero--wide .page-hero-copy .actions{grid-column:2}.page-hero--wide .page-hero-photo{aspect-ratio:21/9;grid-column:1/-1;max-height:none}@media (max-width:900px){.page-hero-grid,.page-hero--wide .page-hero-grid,.page-hero--wide .page-hero-copy{grid-template-columns:1fr}.page-hero--wide .page-hero-copy .lede,.page-hero--wide .page-hero-copy .actions{grid-area:auto/1}.page-hero-photo,.page-hero--wide .page-hero-photo{aspect-ratio:4/3}}@media (prefers-reduced-motion:no-preference){.page-hero-copy>*{animation:fade-up .8s var(--ease) both}.page-hero-copy>:nth-child(2){animation-delay:50ms}.page-hero-copy>:nth-child(3){animation-delay:.1s}.page-hero-copy>:nth-child(4){animation-delay:.15s}.page-hero-photo img{animation:photo-in 1.4s var(--ease) both}}.cover-panel,.includes-panel,.topics-panel,.contact-panel{padding:clamp(56px,7vw,104px) 0}.cover{grid-template-columns:minmax(0,4fr) minmax(0,8fr);align-items:start;gap:clamp(32px,5vw,80px);display:grid}.cover-nav{top:calc(var(--header-h) + 28px);position:sticky}.cover-nav ul{border-top:1px solid var(--line-2)}.cover-nav a{border-bottom:1px solid var(--line);color:var(--ink-2);transition:color .2s, padding .35s var(--ease);padding:11px 0;font-size:.9375rem;text-decoration:none;display:block}.cover-nav a:hover{color:var(--ink);padding-left:8px}.cover-entry{border-top:1px solid var(--line);scroll-margin-top:calc(var(--header-h) + 20px);gap:16px;padding:clamp(26px,3vw,40px) 0;display:grid}.cover-entry:first-child{border-top:0;padding-top:0}.cover-entry h3{font-size:clamp(1.3rem,1.6vw,1.5rem)}.cover-body{color:var(--ink-2);grid-template-columns:minmax(0,1.25fr) minmax(0,1fr);gap:16px clamp(24px,3vw,48px);display:grid}.cover-fit{border-radius:var(--r-sm);background:var(--bg);padding:14px 16px;font-size:.9375rem}.cover-fit span{color:var(--ink);margin-bottom:2px;font-weight:600;display:block}@media (max-width:900px){.cover{grid-template-columns:1fr}.cover-nav{display:none}.cover-body{grid-template-columns:1fr}}.notes{gap:var(--gap);grid-template-columns:minmax(0,4fr) minmax(0,4fr) minmax(0,4fr);margin-top:clamp(32px,4vw,56px);display:grid}.note{border-radius:var(--r);background:var(--bg);color:var(--ink-2);align-content:start;gap:8px;padding:24px;font-size:.9375rem;display:grid}.notes .note:first-child{grid-column:2}@media (max-width:900px){.notes{grid-template-columns:1fr}.notes .note:first-child{grid-column:auto}}.premiums-grid{grid-template-columns:minmax(0,5fr) minmax(0,7fr);align-items:center;gap:40px clamp(32px,5vw,80px);display:grid}.premiums-copy{gap:24px;display:grid}.premium-terms{border-top:1px solid var(--line-2)}.premium-terms>div{border-bottom:1px solid var(--line);grid-template-columns:88px 1fr;gap:16px;padding:14px 0;font-size:.9375rem;display:grid}.premium-terms dt{font-family:var(--head);font-weight:600}.premium-terms dd{color:var(--ink-2)}.chart-card{border-radius:var(--r-lg);background:var(--navy);padding:clamp(20px,3vw,36px)}.premium-chart{gap:14px;display:grid}.premium-chart svg{width:100%;height:auto;overflow:visible}.pc-grid line{stroke:#fff3;stroke-width:1px}.pc-area{fill:#c9dcf829}.pc-stepped{fill:none;stroke:#8fa3be;stroke-width:2px}.pc-level{stroke:var(--sky);stroke-width:3px}.pc-cross{fill:var(--navy);stroke:#fff;stroke-width:2px}.pc-label{fill:#fff;font:500 14px var(--text)}.pc-axis{fill:#ffffff9e;font:13px var(--text)}.premium-chart figcaption{color:#ffffff9e;font-size:.8125rem}@media (max-width:900px){.premiums-grid{grid-template-columns:1fr}}.steps{gap:var(--gap);grid-template-columns:repeat(4,minmax(0,1fr));display:grid}.steps li{border-radius:var(--r);background:var(--surface);align-content:start;gap:10px;padding:24px;display:grid}.step-num{background:var(--navy);color:#fff;width:36px;height:36px;font:600 .9375rem/1 var(--head);border-radius:50%;place-items:center;margin-bottom:18px;display:grid}.steps p{color:var(--ink-2);font-size:.9375rem}@media (max-width:1000px){.steps{grid-template-columns:repeat(2,minmax(0,1fr))}}@media (max-width:560px){.steps{grid-template-columns:1fr}.step-num{margin-bottom:6px}}.providers-band{border-top:1px solid var(--line)}.providers-grid{grid-template-columns:minmax(0,4fr) minmax(0,8fr);align-items:center;gap:24px clamp(32px,5vw,80px);display:grid}.providers-grid .logos-row{grid-template-columns:repeat(var(--n), minmax(0, 1fr));max-width:calc(var(--n) * 100px)}@media (max-width:860px){.providers-grid{grid-template-columns:1fr}.providers-grid .logos-row{grid-template-columns:repeat(min(var(--n), 5), minmax(0, 1fr))}}.matrix{gap:var(--gap);grid-template-columns:repeat(2,minmax(0,1fr));display:grid}.matrix-cell{border-radius:var(--r-lg);background:var(--surface);scroll-margin-top:calc(var(--header-h) + 20px);align-content:start;gap:14px;padding:clamp(28px,3.4vw,44px);display:grid}.matrix-text{color:var(--ink-2)}@media (max-width:760px){.matrix{grid-template-columns:1fr}}.partner-panel{padding:clamp(56px,7vw,96px) 0}.partner-grid{grid-template-columns:minmax(0,7fr) minmax(0,5fr);align-items:end;gap:24px clamp(32px,5vw,80px);display:grid}.partner-grid h2{color:var(--navy)}@media (max-width:860px){.partner-grid{grid-template-columns:1fr}}.crosslink-wrap{padding-bottom:clamp(24px,3vw,40px)}.crosslink{border-radius:var(--r-lg);background:var(--surface);color:var(--ink);transition:background-color .3s var(--ease);grid-template-columns:auto 1fr auto;align-items:center;gap:16px clamp(24px,4vw,56px);padding:clamp(24px,3vw,36px) clamp(24px,3vw,40px);text-decoration:none;display:grid}.crosslink:hover{background:#fff}.crosslink-go{background:var(--navy);color:#fff;width:48px;height:48px;transition:transform .35s var(--ease);border-radius:50%;place-items:center;display:grid}.crosslink:hover .crosslink-go{transform:translate(4px)}@media (max-width:640px){.crosslink{grid-template-columns:1fr auto}.crosslink .label{grid-column:1/-1}}.triad{gap:var(--gap);grid-template-columns:repeat(3,minmax(0,1fr));display:grid}.triad li{border-top:1px solid var(--line-2);align-content:start;gap:14px;padding-top:24px;display:grid}.triad-word{color:var(--navy)}.triad p{color:var(--ink-2);max-width:24em}@media (max-width:860px){.triad{grid-template-columns:1fr;gap:36px}}.includes-grid{grid-template-columns:minmax(0,5fr) minmax(0,7fr);align-items:start;gap:40px clamp(32px,5vw,80px);display:grid}.includes-intro{top:calc(var(--header-h) + 32px);gap:20px;display:grid;position:sticky}.includes-list{border-top:1px solid var(--line-2);counter-reset:inc}.includes-list li{border-bottom:1px solid var(--line);gap:10px;padding:clamp(24px,3vw,36px) 0;display:grid}.includes-list p{color:var(--ink-2)}@media (max-width:860px){.includes-grid{grid-template-columns:1fr}.includes-intro{position:static}}.spectrum-list{gap:var(--gap);grid-template-columns:repeat(3,minmax(0,1fr));display:grid}.spectrum-list li{border-radius:var(--r-lg);background:var(--surface);align-content:start;gap:12px;padding:24px;display:grid}.spectrum-list p{color:var(--ink-2);font-size:.9375rem}.spectrum-bar{border-radius:var(--r-sm);background:var(--sky);height:clamp(140px,15vw,200px);margin-bottom:10px;position:relative;overflow:hidden}.spectrum-growth{background:var(--navy);position:absolute;bottom:0;left:0;right:0}.spectrum-key{color:var(--ink-2);flex-wrap:wrap;align-items:center;gap:8px 12px;margin-top:24px;display:flex}.key{border-radius:3px;width:12px;height:12px;margin-left:12px;display:inline-block}.key:first-child{margin-left:0}.key--growth{background:var(--navy)}.key--income{background:var(--sky)}.spectrum-note{color:var(--ink-3);margin-left:auto}@media (max-width:760px){.spectrum-list{grid-template-columns:1fr}.spectrum-bar{height:16px}.spectrum-growth{width:var(--w,50%);top:0;right:auto;height:100%!important}.spectrum-note{width:100%;margin-left:0}}.topics-grid{grid-template-columns:minmax(0,4fr) minmax(0,8fr);align-items:start;gap:40px clamp(32px,5vw,80px);display:grid}.topics{grid-template-columns:repeat(2,minmax(0,1fr));gap:0 clamp(24px,3vw,48px);display:grid}.topics>div{border-top:1px solid var(--line-2);align-content:start;gap:10px;padding:24px 0 32px;display:grid}.topics dd{color:var(--ink-2)}@media (max-width:860px){.topics-grid,.topics{grid-template-columns:1fr}}.honest-grid{grid-template-columns:minmax(0,7fr) minmax(0,5fr);align-items:end;gap:24px clamp(32px,5vw,80px);display:grid}.honest-grid h2{color:var(--navy)}.honest-note{border-top:1px solid var(--line-2);color:var(--ink-2);padding-top:16px}@media (max-width:860px){.honest-grid{grid-template-columns:1fr}}.about-hero{padding:clamp(32px,5vw,72px) 0 0}.about-hero-grid{grid-template-columns:minmax(0,1fr) minmax(0,1fr);align-items:end;gap:40px clamp(32px,5vw,80px);display:grid}.about-hero-copy{justify-items:start;gap:20px;padding-bottom:clamp(16px,4vw,64px);display:grid}.about-role{color:var(--ink-3);margin-top:-8px;font-weight:500}.about-portrait{border-radius:var(--r-lg);background:var(--studio);overflow:hidden}.about-portrait img{aspect-ratio:1;object-fit:cover;width:100%}.about-grid{grid-template-columns:minmax(0,7fr) minmax(0,5fr);align-items:start;gap:56px clamp(32px,6vw,96px);display:grid}.about-story{gap:32px;display:grid}.about-quote{color:var(--navy)}.about-facts{border-radius:var(--r-lg);background:var(--surface);gap:14px;padding:clamp(24px,3vw,32px);display:grid}.facts--plain{grid-area:auto}.team-member{border-top:1px solid var(--line-2);grid-column:1/-1;grid-template-columns:120px minmax(0,1fr);align-items:start;gap:clamp(20px,3vw,40px);max-width:860px;padding-top:40px;display:grid}.team-member img{aspect-ratio:1;object-fit:cover;background:var(--studio);border-radius:50%;width:120px}.team-member>div{gap:10px;display:grid}.team-member .about-role{margin-top:-4px}@media (max-width:900px){.about-hero-grid,.about-grid{grid-template-columns:1fr}.about-portrait{max-width:520px}}@media (max-width:520px){.team-member{grid-template-columns:1fr}.team-member img{width:96px}}.contact-grid{grid-template-columns:minmax(0,5fr) minmax(0,7fr);align-items:start;gap:48px clamp(32px,6vw,96px);display:grid}.contact-side{justify-items:start;gap:22px;display:grid}.contact-list{border-top:1px solid var(--line-2);width:100%;margin-top:12px}.contact-list li{border-bottom:1px solid var(--line);grid-template-columns:72px 1fr;gap:16px;padding:14px 0;display:grid}.contact-list span{color:var(--ink-3);font-size:.9375rem}.contact-list a{overflow-wrap:anywhere;font-weight:500;text-decoration:none}.contact-list a:hover{text-underline-offset:3px;text-decoration:underline}.form-panel{border-radius:var(--r-lg);background:var(--bg);padding:clamp(24px,3.4vw,44px)}.form-panel>p{color:var(--ink-2);margin-top:10px}@media (max-width:900px){.contact-grid{grid-template-columns:1fr}}.form{gap:20px;margin-top:28px;display:grid}.form-row{grid-template-columns:repeat(2,minmax(0,1fr));gap:20px;display:grid}@media (max-width:600px){.form-row{grid-template-columns:1fr}}.field{gap:8px;display:grid}.field label{font-size:.9375rem;font-weight:500}.field .optional{color:var(--ink-3);font-weight:400}.field input,.field textarea{border:1px solid var(--line-2);width:100%;min-height:52px;color:var(--ink);font:400 1rem/1.4 var(--text);background:#fff;border-radius:12px;padding:13px 16px;transition:border-color .2s,box-shadow .2s}.field textarea{resize:vertical;min-height:140px}.field input:hover,.field textarea:hover{border-color:#14203366}.field input:focus,.field textarea:focus{border-color:var(--blue);outline:none;box-shadow:0 0 0 4px #4587e52e}.field[data-invalid=true] input,.field[data-invalid=true] textarea{border-color:var(--error)}.field-error{color:var(--error);font-size:.875rem;font-weight:500}.hp-field{width:1px;height:1px;position:absolute;left:-10000px;overflow:hidden}.form-footer{flex-wrap:wrap;align-items:center;gap:14px 24px;display:flex}.form-footer p{color:var(--ink-3);flex:220px;font-size:.875rem}.form .btn[disabled]{opacity:.7;cursor:progress}.form-status{color:#6f1a12;background:#fbeceb;border-radius:12px;gap:4px;padding:16px 18px;font-size:.9375rem;display:grid}.form-status a{color:inherit;font-weight:600}.form-success{justify-items:start;gap:16px;display:grid}.form-success:focus{outline:none}.form-success .check{background:var(--navy);width:52px;height:52px;color:var(--sky);border-radius:50%;place-items:center;display:grid}.form-success p{color:var(--ink-2)}.form-success button{font:inherit;cursor:pointer;background:0 0;border:0;font-weight:500}.info-grid{grid-template-columns:minmax(0,4fr) minmax(0,8fr);gap:32px clamp(32px,5vw,80px);display:grid}.info-grid>div{align-content:start;gap:14px;display:grid}.info-list{border-top:1px solid var(--line-2)}.info-list li{border-bottom:1px solid var(--line);grid-template-columns:minmax(160px,.4fr) 1fr;gap:6px 24px;padding:18px 0;display:grid}.info-list span{color:var(--ink-3);font-size:.9375rem}.info-list>li>a{font-weight:500;text-decoration:none}.info-list>li>a:hover{text-underline-offset:3px;text-decoration:underline}.info-list p{color:var(--ink-2)}@media (max-width:760px){.info-grid,.info-list li{grid-template-columns:1fr}}.not-found{justify-items:start;gap:22px;padding-top:clamp(80px,12vw,160px);padding-bottom:clamp(80px,12vw,160px);display:grid}body{font-feature-settings:"ss01" off;font-size:1.0625rem;line-height:1.7}h1,h2,h3,h4{font-weight:600}.t-hero{letter-spacing:-.04em;font-size:clamp(2.6rem,4.7vw,4.3rem);font-weight:600;line-height:1.04}.t-1{letter-spacing:-.035em;font-size:clamp(2.1rem,3.5vw,3.2rem);font-weight:600;line-height:1.08}.t-2{letter-spacing:-.03em;font-size:clamp(1.8rem,2.7vw,2.5rem);font-weight:600;line-height:1.12}.t-3{letter-spacing:-.02em;font-size:clamp(1.2rem,1.4vw,1.375rem);font-weight:600;line-height:1.25}.t-4{letter-spacing:-.01em;font-weight:600}.t-quote{letter-spacing:-.02em;font-size:clamp(1.3rem,1.9vw,1.75rem);font-weight:500;line-height:1.38}.lede{font-size:clamp(1.0625rem,1.15vw,1.15rem);line-height:1.7}.copy{line-height:1.7}.label{letter-spacing:.12em;font-size:.75rem;font-weight:600}.btn,.more,.nav a,.menu-button{letter-spacing:-.005em;font-weight:500}.nav a{font-size:.9375rem}.service-panel-title{letter-spacing:-.02em;font-size:clamp(1.15rem,1.3vw,1.3rem);font-weight:600;line-height:1.25}.service-panel-desc{line-height:1.6}.why-row h3{letter-spacing:-.015em;font-size:clamp(1.05rem,1.15vw,1.15rem)}.why-row p{line-height:1.65}.voices-row blockquote{letter-spacing:-.01em;font-size:clamp(1.05rem,1.2vw,1.15rem);font-weight:500;line-height:1.6}.voices-row figcaption{font-weight:500}.footer-title{font-weight:600}@media (max-width:960px){.menu-services a{letter-spacing:-.025em;font-size:1.375rem;font-weight:600}}@media (max-width:560px){.label{letter-spacing:.1em}}@media (max-width:700px){.footer-grid>.footer-col:nth-child(4),.footer-grid>.footer-col:nth-child(5){grid-column:1/-1}.footer-col a{overflow-wrap:normal}}.marquee{overflow:hidden;-webkit-mask-image:linear-gradient(90deg,#0000 0,#000 8% 92%,#0000 100%);mask-image:linear-gradient(90deg,#0000 0,#000 8% 92%,#0000 100%)}.marquee-track{align-items:center;width:max-content;animation:60s linear infinite marquee;display:flex}.marquee-track li{place-items:center;height:76px;padding:0 clamp(28px,3.2vw,52px);display:grid}.marquee-track img{mix-blend-mode:multiply;filter:grayscale()contrast(1.12);opacity:.75;max-width:none;transition:filter .35s var(--ease), opacity .35s var(--ease)}.marquee-track li:hover img{filter:none;opacity:1}.marquee:hover .marquee-track{animation-play-state:paused}@keyframes marquee{to{transform:translate(-50%)}}@media (max-width:760px){.marquee-track{animation-duration:45s}.marquee-track li{height:64px;padding:0 24px}.marquee-track img{transform:scale(.85)}}@media (prefers-reduced-motion:reduce){.marquee{max-width:calc(var(--max) + var(--pad) * 2);padding-inline:var(--pad);margin-inline:auto;-webkit-mask-image:none;mask-image:none}.marquee-track{flex-wrap:wrap;justify-content:center;width:auto;animation:none}.marquee-track li[aria-hidden=true]{display:none}}.hero-photo:after{content:"";z-index:1;background:linear-gradient(180deg, #f5f2ec00 0%, #f5f2ecbf 60%, var(--bg) 100%);pointer-events:none;height:34%;position:absolute;inset:auto 0 0}.hero-inner{padding-bottom:120px}.providers-strip{z-index:3;background:0 0;border:0;margin-top:-68px;padding:0 0 clamp(40px,4vw,56px);position:relative}.providers-strip .label{text-align:center;margin-bottom:18px;display:block}@media (max-width:900px){.hero-inner{padding-bottom:8px}.hero-photo:after{height:40%}.providers-strip{margin-top:-26px}}.team-member{column-gap:var(--gap);border-top:1px solid var(--line-2);grid-column:1/-1;grid-template-columns:repeat(12,minmax(0,1fr));align-items:center;row-gap:32px;max-width:none;padding-top:clamp(48px,6vw,80px);display:grid}.team-member-photo{border-radius:var(--r);background:var(--studio);grid-column:1/6;overflow:hidden}.team-member-photo img,.team-member img{aspect-ratio:1;object-fit:cover;border-radius:0;width:100%;height:auto}.team-member-copy{grid-column:7/13;justify-items:start;gap:20px;display:grid}.team-member-copy .copy{max-width:34em}@media (max-width:900px){.team-member-photo,.team-member-copy{grid-column:1/-1}.team-member-photo{max-width:520px}}@media (max-width:520px){.team-member{grid-template-columns:repeat(12,minmax(0,1fr))}.team-member img{width:100%}}.contact-hero{padding:clamp(48px,6vw,88px) 0 clamp(56px,6vw,80px)}.contact-hero-copy{gap:20px;max-width:640px;margin-bottom:clamp(40px,5vw,64px);display:grid}.contact-options{gap:var(--gap);grid-template-columns:repeat(3,minmax(0,1fr));display:grid}.contact-option{border-radius:var(--r);background:var(--surface);border:1px solid var(--line);grid-template-rows:auto auto 1fr auto;justify-items:start;gap:10px;padding:clamp(24px,2.6vw,36px);display:grid}.contact-option-value{letter-spacing:-.02em;color:var(--navy);overflow-wrap:anywhere;font-size:clamp(1.2rem,1.5vw,1.4rem);font-weight:600;line-height:1.25;text-decoration:none}a.contact-option-value:hover{text-underline-offset:4px;text-decoration:underline}.contact-option-note{color:var(--ink-2);font-size:.9375rem}.contact-option .btn,.contact-option .more{margin-top:10px}.contact-option--primary{background:var(--navy);border-color:var(--navy)}.contact-option--primary .label,.contact-option--primary .contact-option-note{color:var(--on-dark-2)}.contact-option--primary .contact-option-value{color:#fff}@media (max-width:900px){.contact-options{grid-template-columns:1fr}}.contact-main{background:var(--bg-2);padding:clamp(64px,7vw,104px) 0}.contact-main-grid{column-gap:var(--gap);grid-template-columns:repeat(12,minmax(0,1fr));align-items:start;row-gap:48px;display:grid}.contact-aside{grid-column:1/5;gap:48px;display:grid}.contact-block{justify-items:start;gap:14px;display:grid}.contact-block address{color:var(--ink);font-size:1.0625rem;font-style:normal;line-height:1.6}.next-steps{border-top:1px solid var(--line-2);width:100%}.next-steps li{border-bottom:1px solid var(--line);grid-template-columns:32px minmax(0,1fr);gap:14px;padding:18px 0;display:grid}.next-num{background:var(--navy);color:#fff;border-radius:50%;place-items:center;width:28px;height:28px;font-size:.8125rem;font-weight:600;display:grid}.next-steps p{color:var(--ink-2);margin-top:4px;font-size:.9375rem;line-height:1.6}.contact-form-panel{border-radius:var(--r);background:var(--surface);grid-column:6/13;padding:clamp(28px,3.6vw,52px)}@media (max-width:1000px){.contact-aside,.contact-form-panel{grid-column:1/-1}.contact-form-panel{grid-row:1}}.info{border-top:1px solid var(--line)}.adviser{background:var(--bg);padding:clamp(72px,8vw,112px) 0 0;display:block}.adviser-grid{column-gap:var(--gap);grid-template-columns:repeat(12,minmax(0,1fr));align-items:center;row-gap:40px;display:grid}.adviser-media{aspect-ratio:1;border-radius:var(--r);background:var(--studio);grid-column:1/6;min-height:0;position:relative;overflow:hidden}.adviser-media img{object-fit:cover;object-position:50% 20%;width:100%;height:100%;position:absolute;inset:0}.adviser-copy{grid-column:7/13;padding:0}.team-photo{grid-column:8/13}.team-copy{grid-column:1/7}@media (max-width:900px){.adviser-media,.adviser-copy{grid-column:1/-1}.adviser-media{max-width:520px}.team-photo{grid-column:1/-1;max-width:520px}.team-copy{grid-column:1/-1}}.mobile-actions{display:none}@media (max-width:960px){.mobile-actions{z-index:98;padding:8px var(--pad) calc(4px + env(safe-area-inset-bottom));-webkit-backdrop-filter:blur(10px);backdrop-filter:blur(10px);border-top:1px solid var(--line);background:#f5f2ecf0;grid-template-columns:1fr 1fr;gap:8px;display:grid;position:fixed;bottom:0;left:0;right:0}.mobile-action{border:1px solid var(--navy);min-height:46px;color:var(--navy);letter-spacing:.02em;text-transform:uppercase;background:0 0;border-radius:4px;justify-content:center;align-items:center;gap:8px;font-size:.9375rem;font-weight:600;text-decoration:none;display:inline-flex}.mobile-action--primary{background:var(--navy);color:#fff}body{padding-bottom:calc(58px + env(safe-area-inset-bottom))}.mobile-actions{transition:transform .35s var(--ease), opacity .25s var(--ease)}.mobile-actions[data-visible=false]{opacity:0;pointer-events:none;transform:translateY(110%)}}@media (prefers-reduced-motion:reduce){.mobile-actions{transition:none}}.contact-hero{padding-bottom:clamp(32px,4vw,48px)}.contact-hero-copy{margin-bottom:0}.contact-ways{padding:clamp(56px,6vw,88px) 0}.legal-hero{border-bottom:1px solid var(--line);padding:clamp(48px,6vw,88px) 0 clamp(40px,5vw,64px)}.legal-hero-inner{justify-items:start;gap:20px;display:grid}.legal-hero .lede{max-width:44em}.legal-meta{color:var(--ink-3);flex-wrap:wrap;gap:8px 28px;font-size:.9375rem;display:flex}.legal-meta a{color:var(--navy);text-underline-offset:4px;font-weight:500;text-decoration:underline}.legal-body{padding:clamp(56px,6vw,88px) 0 clamp(72px,8vw,112px)}.legal-grid{column-gap:var(--gap);grid-template-columns:repeat(12,minmax(0,1fr));align-items:start;row-gap:40px;display:grid}.legal-toc{top:calc(var(--header-h) + 32px);grid-column:1/4;gap:14px;display:grid;position:sticky}.legal-toc ol{border-top:1px solid var(--line-2);counter-reset:toc}.legal-toc li{counter-increment:toc}.legal-toc a{border-bottom:1px solid var(--line);color:var(--ink-2);grid-template-columns:24px 1fr;gap:6px;padding:10px 0;font-size:.875rem;line-height:1.45;text-decoration:none;transition:color .2s;display:grid}.legal-toc a:before{content:counter(toc);color:var(--ink-3)}.legal-toc a:hover{color:var(--navy)}.legal-content{grid-column:5/13;gap:clamp(40px,4vw,56px);display:grid}.legal-section{scroll-margin-top:calc(var(--header-h) + 24px);gap:18px;display:grid}.legal-prose{max-width:44em;color:var(--ink-2);gap:16px;line-height:1.75;display:grid}.legal-prose h3{letter-spacing:-.01em;color:var(--navy);margin-top:8px;font-size:1.0625rem;font-weight:600}.legal-prose ul{gap:8px;padding-left:1.2em;list-style:outside;display:grid}.legal-prose li::marker{color:var(--blue)}.legal-prose strong{color:var(--ink);font-weight:600}.legal-prose a,.legal-foot a{color:var(--blue-ink);text-underline-offset:3px;overflow-wrap:anywhere;text-decoration:underline}.legal-details{border-top:1px solid var(--line-2)}.legal-details>div{border-bottom:1px solid var(--line);grid-template-columns:minmax(150px,.35fr) 1fr;gap:4px 20px;padding:12px 0;display:grid}.legal-details dt{color:var(--ink-3)}.legal-details dd{color:var(--ink)}.legal-foot{border-top:1px solid var(--line-2);color:var(--ink-2);padding-top:24px}@media (max-width:1000px){.legal-toc,.legal-content{grid-column:1/-1}.legal-toc{position:static}}@media (max-width:520px){.legal-details>div{grid-template-columns:1fr}}.hero-offer{border-top:1px solid var(--line-2);max-width:30em;color:var(--ink-2);padding-top:18px;font-size:.9375rem;line-height:1.6}.hero-offer strong{color:var(--navy);font-weight:600}.early-quote{background:var(--navy);color:var(--on-dark);padding:clamp(48px,5vw,72px) 0}.early-quote-inner figure{gap:18px;max-width:900px;display:grid}.early-quote blockquote{letter-spacing:-.02em;font-size:clamp(1.3rem,2vw,1.75rem);font-weight:500;line-height:1.4}.early-quote figcaption{color:var(--on-dark-2);font-size:.9375rem}.review-row{gap:var(--gap);grid-template-columns:repeat(3,minmax(0,1fr));display:grid}.review-row li{border-top:2px solid var(--navy);align-content:start;gap:12px;padding-top:22px;display:grid}.review-num{color:var(--blue-ink);letter-spacing:.08em;font-size:.875rem;font-weight:600}.review-row p{color:var(--ink-2);line-height:1.65}.review-cta{margin-top:clamp(32px,4vw,48px)}@media (max-width:860px){.review-row{grid-template-columns:1fr;gap:32px}}.team-intro{background:var(--bg-2);padding:clamp(72px,8vw,112px) 0}.team-cards{gap:var(--gap);grid-template-columns:repeat(2,minmax(0,1fr));display:grid}.team-cards li{border-radius:var(--r);background:var(--surface);grid-template-columns:160px minmax(0,1fr);align-items:center;gap:clamp(20px,2.4vw,32px);padding:clamp(20px,2.4vw,28px);display:grid}.team-card-photo{border-radius:var(--r);background:var(--studio);overflow:hidden}.team-card-photo img{aspect-ratio:1;object-fit:cover;width:100%;height:auto}.team-card-copy{gap:8px;display:grid}.team-card-role{color:var(--blue-ink);font-size:.875rem;font-weight:500}.team-card-copy p:last-child{color:var(--ink-2);font-size:.9375rem;line-height:1.6}@media (max-width:1000px){.team-cards{grid-template-columns:1fr}}@media (max-width:480px){.team-cards li{grid-template-columns:96px minmax(0,1fr);align-items:start}}.voices-row--two{grid-template-columns:repeat(2,minmax(0,1fr));max-width:1000px}@media (max-width:860px){.voices-row--two{grid-template-columns:1fr}}.faq-grid{column-gap:var(--gap);grid-template-columns:repeat(12,minmax(0,1fr));align-items:start;row-gap:40px;display:grid}.faq-intro{top:calc(var(--header-h) + 32px);grid-column:1/5;gap:18px;display:grid;position:sticky}.faq-list{border-top:1px solid var(--line-2);grid-column:6/13}.faq-list details{border-bottom:1px solid var(--line-2)}.faq-list summary{letter-spacing:-.015em;color:var(--navy);cursor:pointer;justify-content:space-between;align-items:center;gap:24px;padding:22px 0;font-size:clamp(1.05rem,1.2vw,1.15rem);font-weight:600;list-style:none;display:flex}.faq-list summary::-webkit-details-marker{display:none}.faq-icon{flex:none;width:16px;height:16px;position:relative}.faq-icon:before,.faq-icon:after{content:"";height:1.5px;transition:transform .3s var(--ease);background:currentColor;position:absolute;top:50%;left:0;right:0}.faq-icon:after{transform:rotate(90deg)}details[open] .faq-icon:after{transform:rotate(0)}.faq-answer{color:var(--ink-2);padding:0 40px 24px 0;line-height:1.7}@media (max-width:900px){.faq-intro,.faq-list{grid-column:1/-1}.faq-intro{position:static}.faq-answer{padding-right:0}}.early-quote-inner figure{text-align:center;justify-items:center;margin-inline:auto}.voices-row--two{max-width:none}.voices-row--two li{padding:0 clamp(24px,4vw,64px)}.voices-row--two li:first-child{padding-left:0}.voices-row--two li:last-child{padding-right:0}@media (max-width:860px){.voices-row--two li,.voices-row--two li:first-child{padding:28px 0 0}}.voices{background:var(--navy);color:var(--on-dark)}.voices .label{color:var(--on-dark-2)}.voices h2{color:var(--on-dark)}.voices-row li{border-left-color:var(--line-dark)}.voices-row blockquote{color:var(--on-dark)}.voices-row figcaption{color:var(--on-dark-2)}.review-steps,.why{background:var(--bg)}.team-intro,.faq{background:var(--bg-2)}.faq-list details,.faq-list{border-color:var(--line-2)}@media (max-width:860px){.voices-row li,.voices-row li:first-child{border-top-color:var(--line-dark)}}.voices{background:radial-gradient(60% 80% at 82% 18%,#4587e51a 0%,#4587e500 70%),linear-gradient(135deg,#13233d 0%,#142640 45%,#1a3150 100%)}@media (min-width:901px){.providers-strip{padding-top:50px}.hero-screen{flex-direction:column;min-height:100svh;display:flex}.hero-screen .hero{flex:auto;min-height:560px}.hero-screen .providers-strip{flex:none}.hero-screen .hero{min-height:0}}@media (min-width:901px) and (max-height:820px){.hero-inner{padding-top:calc(var(--header-h) + 8px);padding-bottom:72px}.hero-copy{gap:18px}.providers-strip{padding-top:24px;padding-bottom:28px}}.about-intro{padding:clamp(48px,6vw,96px) 0 clamp(48px,5vw,72px)}.about-intro-grid{column-gap:var(--gap);grid-template-columns:repeat(12,minmax(0,1fr));align-items:end;row-gap:28px;display:grid}.about-intro-head{grid-column:1/7;gap:18px;display:grid}.about-intro-copy{grid-column:7/13;gap:28px;display:grid}.about-mission{background:var(--bg-2)}.about-mission-grid{column-gap:var(--gap);grid-template-columns:repeat(12,minmax(0,1fr));align-items:start;row-gap:48px;display:grid}.about-mission-block{gap:18px;display:grid}.about-mission-block:first-child{grid-column:1/8}.about-support{border-radius:var(--r);background:var(--surface);grid-column:9/13;padding:clamp(24px,3vw,36px)}.about-team{background:var(--bg)}.bios{gap:clamp(48px,6vw,80px);display:grid}.bio{border-top:1px solid var(--line-2);grid-template-columns:240px minmax(0,1fr);align-items:start;gap:clamp(28px,4vw,64px);padding-top:clamp(40px,5vw,56px);display:grid}.bios .bio:first-child{border-top:0;padding-top:0}.bio-photo{border-radius:var(--r);background:var(--studio);overflow:hidden;box-shadow:inset 0 0 0 1px #13233d0f}.bio-photo img{aspect-ratio:1;object-fit:cover;filter:saturate(.92);width:100%;height:auto}.team-card-photo,.team-photo{background:var(--studio)}.bio-copy{gap:14px;max-width:44em;display:grid}.bio-title{color:var(--blue-ink);margin-top:-6px;font-weight:500}.bio-outside{border-left:2px solid var(--blue);background:var(--bg-2);color:var(--ink-2);gap:6px;padding:18px 20px;display:grid}.bio-outside h4{letter-spacing:.04em;text-transform:uppercase;color:var(--navy);font-size:.875rem;font-weight:600}.bio-facts{border-top:1px solid var(--line-2)}.bio-facts>div{border-bottom:1px solid var(--line);grid-template-columns:140px minmax(0,1fr);gap:4px 20px;padding:11px 0;font-size:.9375rem;display:grid}.bio-facts dt{color:var(--ink-3)}@media (max-width:900px){.about-intro-head,.about-intro-copy,.about-mission-block:first-child,.about-support{grid-column:1/-1}.bio{grid-template-columns:1fr}.bio-photo{width:200px}}@media (max-width:480px){.bio-facts>div{grid-template-columns:1fr}}.bio{grid-template-columns:300px minmax(0,1fr);align-items:start}.bio-photo img{aspect-ratio:4/5;object-position:50% 20%}.bio-copy{max-width:42em;padding-top:4px}@media (min-width:901px){.bio-photo{top:calc(var(--header-h) + 32px);position:sticky}}@media (max-width:900px){.bio{grid-template-columns:1fr}.bio-photo{width:240px}}