@import url('https://fonts.googleapis.com/css2?family=DM+Sans:wght@400;450;500;550;600;650;700&family=Libre+Caslon+Display&display=swap');

:root{--navy:#092b40;--ink:#123247;--muted:#576976;--teal:#94d7d5;--line:#d6e0e5;--paper:#f2f6f7;--sans:'DM Sans',Arial,sans-serif;--serif:'Libre Caslon Display',Georgia,serif;color-scheme:light;font-family:var(--sans);color:var(--ink);font-synthesis:style;scroll-behavior:smooth}
*{box-sizing:border-box}body{margin:0;background:#fff}a{color:inherit;text-decoration:none}button{font:inherit}img{max-width:100%;display:block}p{font-size:1rem;line-height:1.75;margin:0 0 1.2rem}h1,h2,h3{font-weight:400;margin:0}h2{font-family:var(--serif);font-size:clamp(2.8rem,4.15vw,4rem);line-height:1.08;letter-spacing:-.035em}em{font-weight:400}a,button,summary{-webkit-tap-highlight-color:transparent}a:focus-visible,button:focus-visible,summary:focus-visible{outline:3px solid #328484;outline-offset:6px}section[id]{scroll-margin-top:98px}.container{width:min(1280px,calc(100% - 112px));margin-inline:auto}.section-space{padding:105px 0}.eyebrow{font-size:.75rem;line-height:1.6;font-weight:600;letter-spacing:.16em;margin-bottom:25px}.eyebrow.light{color:#c4e0e4}.skip-link{position:fixed;top:-100px;left:20px;z-index:100;background:#fff;padding:14px}.skip-link:focus{top:14px}
.site-header{height:98px;background:#fff;position:sticky;top:0;z-index:20;border-bottom:1px solid rgba(9,43,64,.05)}.header-inner{height:100%;display:flex;align-items:center;justify-content:space-between;gap:30px}.brand{display:inline-flex;flex-direction:column;flex-shrink:0;line-height:1}.brand-name{font-size:1.2rem;letter-spacing:.09em;font-weight:500;white-space:nowrap}.brand-link{font-weight:750;margin-left:6px}.brand-sa{font-size:.75rem;margin-left:4px;letter-spacing:.025em}.brand-description{font-size:.75rem;letter-spacing:.19em;margin-top:10px;white-space:nowrap;font-weight:500}nav{display:flex;align-items:center;gap:34px}nav a{font-size:.875rem;line-height:1.4;font-weight:500;position:relative}nav a:not(.nav-contact):after{content:'';display:block;height:1px;background:var(--ink);position:absolute;left:0;right:100%;bottom:-7px;transition:right .2s}nav a:hover:after,nav a[aria-current]:after{right:0}.nav-contact{border:1px solid var(--ink);padding:13px 19px;display:flex;align-items:center;gap:26px}.nav-contact:hover{background:var(--navy);color:#fff}.nav-contact span{font-size:1.2rem}.menu-toggle{display:none}
.hero{position:relative;isolation:isolate;min-height:660px;height:min(750px,calc(100svh - 98px));color:#fff;background:#092b40;overflow:hidden}.hero-image{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:50% 49%;z-index:-3}.hero-shade{position:absolute;inset:0;background:linear-gradient(90deg,rgba(4,29,44,.79) 0%,rgba(4,29,44,.45) 36%,rgba(4,29,44,.04) 78%),linear-gradient(0deg,rgba(4,29,44,.77),transparent 32%);z-index:-2}.hero-content{padding-top:100px;padding-bottom:130px}.hero-content .eyebrow{display:flex;align-items:center;gap:15px;font-size:.75rem;margin-bottom:31px;color:#e4edef}.short-rule{width:28px;height:1px;background:var(--teal)}h1{font-family:var(--serif);font-size:clamp(4.7rem,7vw,7rem);letter-spacing:-.035em;line-height:.98;margin-bottom:30px}h1 em{color:#b9e1e1}.hero-description{font-size:1.07rem;line-height:1.7;color:#dce5e8;margin-bottom:32px}.button{display:inline-flex;justify-content:space-between;gap:34px;align-items:center;min-height:52px;padding:13px 21px;font-size:.875rem;font-weight:550;transition:background .2s,color .2s}.button span{font-size:1.25rem}.button-white{background:#fff;color:var(--navy)}.button-white:hover{background:var(--teal)}.button-navy{background:var(--navy);color:white}.button-navy:hover{background:#23546b}.hero-bottom{position:absolute;bottom:30px;left:0;right:0;padding-top:24px;border-top:1px solid #ffffff35;display:flex;justify-content:space-between;align-items:center;gap:20px;font-size:.75rem;letter-spacing:.12em;line-height:1.6}.hero-bottom>a{font-size:.8rem;letter-spacing:0}.hero-bottom>a span{margin-left:28px;font-size:1rem}.hero-divider{display:inline-block;margin:0 16px;color:#98b6c2}
.introduction{padding-top:94px;padding-bottom:0;display:grid;grid-template-columns:1fr 1fr;column-gap:10%;row-gap:60px}.intro-statement h2{font-size:clamp(2.7rem,3.6vw,3.55rem)}.intro-copy{padding-top:44px;max-width:490px;color:var(--muted)}.intro-copy p:first-child{color:var(--ink);font-size:1.08rem}.intro-facts{grid-column:1/-1;display:grid;grid-template-columns:1fr 1fr 1fr;border-top:1px solid var(--line);padding:35px 0 46px}.intro-facts>div{display:flex;flex-direction:column;border-right:1px solid var(--line);padding-left:48px}.intro-facts>div:first-child{padding-left:0}.intro-facts>div:last-child{border:none}.fact-value{font-family:var(--serif);font-size:2.65rem;line-height:1.3;letter-spacing:-.02em}.fact-label{font-size:.81rem;color:var(--muted);margin-top:9px;line-height:1.5}
.expertise{background:var(--paper)}.section-heading{display:flex;justify-content:space-between;align-items:flex-end;gap:40px;margin-bottom:50px}.section-heading>p{color:var(--muted);max-width:400px;margin-bottom:3px}.service-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);border:1px solid var(--line);align-items:start}.service{background:var(--paper);height:100%;transition:background .2s}.service:hover{background:white}.service summary{list-style:none;cursor:pointer;padding:34px 32px 26px;display:flex;flex-direction:column;min-height:354px}.service summary::-webkit-details-marker{display:none}.service-number{font-size:.75rem;line-height:1.5;letter-spacing:.11em;color:var(--muted);font-weight:500;margin-bottom:26px}.service-title{display:block;font-family:var(--serif);font-size:2.7rem;line-height:1.05;letter-spacing:-.025em;margin-bottom:22px}.service-intro{font-size:.94rem;line-height:1.65;color:var(--muted);max-width:320px;margin-bottom:30px}.service-action{display:flex;justify-content:space-between;align-items:center;font-size:.8rem;font-weight:500;margin-top:auto;line-height:1.5}.plus{font-size:1.6rem;font-weight:400;line-height:1;transition:transform .2s}.service[open] .plus{transform:rotate(45deg)}.service-featured,.service-featured:hover{background:var(--navy);color:#fff}.service-featured .service-number{color:#b5d8df}.service-featured .service-intro{color:#c5d4dc}.service-featured .plus{color:var(--teal)}.service-detail{padding:0 32px 30px;border-top:0}.service-detail p{padding-top:22px;border-top:1px solid #8da2ad50;font-size:.91rem;line-height:1.7;color:var(--muted)}.service-detail a{font-size:.85rem;text-decoration:underline;text-underline-offset:5px;line-height:1.5}.service-featured .service-detail p{color:#dae5eb}.coverage-note{font-size:.75rem;color:var(--muted);margin:21px 0 0;line-height:1.65}
.company-layout{display:grid;grid-template-columns:1fr 1fr;align-items:center;gap:10%}.heritage-panel{background:var(--navy);color:#fff;padding:39px 39px 28px;min-height:526px;display:flex;flex-direction:column;position:relative;overflow:hidden}.heritage-panel:after{content:'';width:430px;height:430px;border:1px solid #add4d51b;border-radius:50%;position:absolute;right:-240px;top:50px;pointer-events:none;box-shadow:0 0 0 50px #add4d508,0 0 0 100px #add4d505}.heritage-year{font-family:var(--serif);font-size:clamp(6rem,10vw,10rem);letter-spacing:-.045em;line-height:1.1;margin-top:7px;position:relative;z-index:1}.heritage-year>span{font-family:var(--sans);display:block;font-size:.75rem;letter-spacing:.14em;margin-top:12px;color:#b1cdd6}.heritage-panel>p:not(.eyebrow){font-family:var(--serif);font-size:2.15rem;line-height:1.18;letter-spacing:-.02em;margin-top:43px;position:relative;z-index:1}.heritage-panel>p em{color:var(--teal)}.heritage-bottom{display:flex;justify-content:space-between;gap:20px;border-top:1px solid #ffffff35;padding-top:21px;margin-top:auto;font-size:.75rem;letter-spacing:.075em;line-height:1.6}.company-copy h2{margin-bottom:30px}.company-copy>p:not(.eyebrow){color:var(--muted)}.text-link{border-bottom:1px solid var(--line);display:flex;justify-content:space-between;gap:20px;padding:17px 0 16px;font-size:.86rem;line-height:1.5;font-weight:500}.text-link>span{font-size:.75rem;letter-spacing:.07em;font-weight:400}.text-link>span>span{margin-left:20px;font-size:1rem}.text-link:hover{border-color:var(--navy)}
.claims{background:var(--paper);border-top:1px solid #e5ecef}.claims-layout{display:grid;grid-template-columns:1fr 1fr;gap:10%;align-items:center}.claims h2{margin-bottom:26px}.claims-description{color:var(--muted);max-width:430px;margin-bottom:28px}.resource-row{display:flex;gap:26px;padding:30px 0;border-top:1px solid #ccd9df}.resource-row:first-child{padding-top:0;border-top:0}.resource-row:last-child{padding-bottom:0}.resource-index{font-size:.75rem;margin-top:6px;color:#57778b}.resource-row h3{font-size:1.22rem;font-weight:500;margin-bottom:12px;line-height:1.4}.resource-row p{font-size:.94rem;color:var(--muted);margin-bottom:14px}.resource-row a{font-size:.85rem;line-height:1.7;text-decoration:underline;text-underline-offset:5px}.resource-row a>span:last-child{display:inline-block;margin-left:13px}.pdf-label{font-size:.75rem;margin-left:10px;text-decoration:none}
.contact{background:var(--navy);color:white;padding-bottom:65px}.contact-top{display:flex;justify-content:space-between;align-items:center;gap:30px;padding-bottom:60px;border-bottom:1px solid #ffffff32}.contact h2{font-size:clamp(3rem,5.1vw,5rem);letter-spacing:-.027em}.contact h2 em{color:#b9dada}.contact-arrow{width:94px;height:94px;border-radius:50%;border:1px solid #87a2b2;display:flex;align-items:center;justify-content:center;flex-shrink:0;transition:background .2s,color .2s}.contact-arrow span{font-family:Arial,sans-serif;font-size:3rem;font-weight:400}.contact-arrow:hover{background:#fff;color:var(--navy)}.contact-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr;gap:32px;padding-top:42px}.contact-label{font-size:.75rem;letter-spacing:.13em;display:block;color:#aac3ce;margin-bottom:17px;line-height:1.6}.contact-grid a{font-size:1.05rem;line-height:1.5}.contact-grid .contact-email{font-size:1.4rem;letter-spacing:-.02em}.contact-grid a:hover{text-decoration:underline;text-underline-offset:5px}.contact-grid address{font-style:normal;line-height:1.65;font-size:1rem}.contact-grid .map-link{display:inline-block;font-size:.8rem;margin-top:12px;color:#bbd5de}.map-link span{margin-left:16px}.site-footer{background:var(--navy);color:#fff}.footer-inner{padding:30px 0;border-top:1px solid #ffffff29;display:flex;justify-content:space-between;align-items:center;gap:28px}.footer-brand .brand-name{font-size:.96rem}.footer-brand .brand-description{font-size:.75rem;margin-top:8px}.footer-brand .brand-sa{font-size:.75rem}.footer-inner p{font-size:.75rem;margin:0;color:#aac1cd}.footer-inner>a:last-child{font-size:.78rem;line-height:1.5;color:#c8d7df}.footer-inner>a:last-child span{margin-left:20px}
@media(min-width:1600px){.hero{max-height:850px;height:78svh}.hero-content{padding-top:130px}}
@media(max-width:1100px){.container{width:calc(100% - 64px)}nav{gap:23px}.brand-name{font-size:1.06rem}.brand-description{font-size:.75rem}.section-space{padding:80px 0}.hero{min-height:640px}.hero-content{padding-top:100px}.service summary{padding:28px 24px;min-height:350px}.service-title{font-size:2.35rem}.service-detail{padding-inline:24px}.company-layout,.claims-layout{gap:7%}.heritage-panel{padding:30px;min-height:520px}.contact-grid{grid-template-columns:1.35fr 1fr 1fr}.contact-grid .contact-email{font-size:1.14rem}.intro-facts>div{padding-left:28px}.fact-value{font-size:2.25rem}.heritage-bottom{font-size:.75rem;flex-direction:column;gap:5px}}
@media(max-width:800px){.site-header{height:84px}.container{width:calc(100% - 48px)}.header-inner{gap:20px}.menu-toggle{display:flex;width:44px;height:44px;flex-direction:column;align-items:center;justify-content:center;gap:7px;border:1px solid var(--line);background:white;color:var(--navy);cursor:pointer}.menu-toggle span{display:block;width:20px;height:1px;background:currentColor;transition:transform .2s}.menu-toggle[aria-expanded=true] span:first-child{transform:translateY(4px) rotate(45deg)}.menu-toggle[aria-expanded=true] span:last-child{transform:translateY(-4px) rotate(-45deg)}nav{display:none;position:absolute;top:84px;left:0;right:0;background:#fff;padding:22px 24px 28px;border-bottom:1px solid var(--line);box-shadow:0 12px 20px #092b4010}nav.is-open{display:flex;flex-direction:column;align-items:stretch;gap:0}nav a{padding:15px 0;font-size:1rem}nav a:not(.nav-contact):after{display:none}nav .nav-contact{padding:14px 18px;margin-top:15px}.hero{height:690px;min-height:0}.hero-content{padding-top:105px}.hero-image{object-position:58% 50%}.hero-shade{background:linear-gradient(90deg,#041d2cc9,#041d2c55),linear-gradient(0deg,#041d2cd9,transparent 38%)}h1{font-size:clamp(4.6rem,9.7vw,6rem)}.hero-content .eyebrow{font-size:.75rem;letter-spacing:.11em}.hero-bottom{font-size:.75rem}.hero-bottom>a{font-size:.75rem}.hero-divider{margin:0 8px}.hero-bottom>a span{margin-left:12px}.introduction{padding-top:70px;column-gap:7%;row-gap:35px}.intro-statement h2{font-size:2.6rem}.intro-copy{padding-top:37px}.intro-copy p{font-size:.94rem}.intro-copy p:first-child{font-size:1rem}.intro-facts{padding:30px 0}.fact-value{font-size:1.85rem}.fact-label{font-size:.75rem}.intro-facts>div{padding-left:20px}.section-heading{align-items:flex-start;flex-direction:column;gap:20px}.section-heading>p{max-width:500px}.service-grid{grid-template-columns:repeat(2,1fr)}.service summary{min-height:336px}.service-title{font-size:2.55rem}.service-featured{grid-column:auto}.company-layout{grid-template-columns:1fr;gap:45px}.heritage-panel{min-height:440px;padding:35px;display:grid;grid-template-columns:1fr 1fr;column-gap:35px;align-items:end}.heritage-panel>.eyebrow{grid-column:1/-1;align-self:start;margin-bottom:0}.heritage-year{font-size:8rem;margin:0}.heritage-panel>p:not(.eyebrow){font-size:2rem;margin:0 0 5px}.heritage-bottom{grid-column:1/-1;flex-direction:row;margin-top:38px;width:100%}.company-copy h2{font-size:3.2rem}.claims-layout{grid-template-columns:1fr;gap:45px}.claims-description{max-width:520px}.contact-top{padding-bottom:40px}.contact-arrow{width:70px;height:70px}.contact-arrow span{font-size:2.4rem}.contact-grid{grid-template-columns:1fr 1fr;gap:30px}.contact-grid>div:first-child{grid-column:1/-1}.contact-grid .contact-email{font-size:1.5rem}.footer-inner{flex-wrap:wrap}.footer-inner p{order:3;width:100%}.section-space{padding:70px 0}section[id]{scroll-margin-top:84px}}
@media(max-width:520px){.container{width:calc(100% - 40px)}.brand-name{font-size:1.08rem}.brand-description{font-size:.75rem}.hero{height:700px}.hero-image{object-position:62% 50%}.hero-content{padding-top:85px}.hero-content .eyebrow{max-width:270px;align-items:center;line-height:1.8;font-size:.75rem;letter-spacing:.1em;gap:12px}.short-rule{flex-shrink:0;width:20px}h1{font-size:4.5rem;line-height:1.02;letter-spacing:-.04em}.hero-description{font-size:1rem;max-width:265px;margin-top:28px}.hero-bottom{bottom:23px;align-items:flex-start;flex-direction:column;gap:14px;padding-top:20px}.hero-bottom>a{font-size:.76rem}.hero-bottom>span{font-size:.75rem}.button{font-size:.875rem}.introduction{grid-template-columns:1fr;padding-top:62px;gap:27px}.intro-statement h2{font-size:2.9rem}.intro-copy{padding:0}.intro-copy p:first-child{font-size:1rem}.intro-facts{grid-template-columns:1fr;padding:0 0 28px}.intro-facts>div,.intro-facts>div:first-child{padding:20px 0;border-right:0;border-bottom:1px solid var(--line);flex-direction:row;justify-content:space-between;align-items:center;gap:28px}.intro-facts>div:last-child{border-bottom:0}.fact-value{font-size:2rem;flex-shrink:0}.fact-label{font-size:.75rem;max-width:150px;margin:0;text-align:right}.eyebrow{font-size:.75rem;margin-bottom:20px}h2{font-size:2.9rem}.section-space{padding:60px 0}.section-heading{margin-bottom:33px;gap:20px}.section-heading>p{font-size:.95rem}.desktop-only{display:none}.service-grid{grid-template-columns:1fr}.service summary{padding:28px;min-height:318px}.service-title{font-size:2.9rem}.service-title br{display:none}.service-number{margin-bottom:22px}.service-intro{max-width:100%;margin-bottom:25px;font-size:1rem}.service-action{font-size:.875rem}.service-detail{padding:0 28px 28px}.coverage-note{font-size:.75rem}.heritage-panel{min-height:530px;padding:30px;display:flex;align-items:flex-start}.heritage-panel>.eyebrow{margin-bottom:25px}.heritage-year{font-size:8rem}.heritage-panel>p:not(.eyebrow){margin-top:32px;font-size:2.1rem}.heritage-bottom{margin-top:30px;font-size:.75rem;gap:8px;flex-direction:column}.company-copy h2{font-size:2.9rem}.company-copy>p:not(.eyebrow){font-size:1rem}.resource-row{gap:18px}.resource-row p{font-size:1rem}.resource-row a{font-size:.875rem}.contact h2{font-size:2.9rem}.contact-top{align-items:flex-end;gap:14px}.contact-arrow{width:46px;height:46px;margin-bottom:3px}.contact-arrow span{font-size:1.75rem}.contact-grid{gap:30px 20px}.contact-grid a{font-size:.95rem}.contact-label{font-size:.75rem;letter-spacing:.09em}.contact-grid address{font-size:.95rem}.footer-brand .brand-name{font-size:.87rem}.footer-brand .brand-description{font-size:.75rem}.footer-inner{gap:24px 12px}.footer-inner>a:last-child{font-size:.75rem}.footer-inner>a:last-child span{margin-left:9px}}
@media(max-width:360px){h1{font-size:3.9rem}.contact h2{font-size:2.45rem}.contact-grid{grid-template-columns:1fr}.contact-grid>div:first-child{grid-column:auto}.fact-value{font-size:1.7rem}.brand-name{font-size:.92rem}.brand-description{font-size:.75rem}.service-title{font-size:2.6rem}}
@media(prefers-reduced-motion:reduce){:root{scroll-behavior:auto}*{transition:none!important}}
@media print{.site-header{position:static}.hero{height:auto;min-height:450px}.hero-content{padding-top:50px;padding-bottom:70px}.hero-bottom,.menu-toggle,.contact-arrow{display:none}.section-space{padding:35px 0}.container{width:100%}.service-grid{grid-template-columns:repeat(2,1fr)}.service,.company-layout,.claims-layout{break-inside:avoid}.contact{color:var(--navy);background:#fff}.contact .light,.contact-label,.contact h2 em{color:var(--navy)}}

/* Readable interaction labels at every viewport. */
.service-action,.service-detail a,.text-link,.resource-row a,.hero-bottom>a,.fact-label,.map-link,.footer-inner>a:last-child{font-size:.875rem}

/* Selected smaller, lighter navy logo: retain the complete original artwork.
   The viewport excludes its transparent presentation margins. */
.brand{display:block;position:relative;overflow:hidden;width:250px;max-width:100%;aspect-ratio:1580 / 344;line-height:0;flex-shrink:0}
.brand-logo{position:absolute;width:137.46835%;max-width:none;height:auto;left:-9.36709%;top:-53.77907%}
.footer-brand{width:215px}.footer-brand .brand-logo{filter:brightness(0) invert(1)}
@media(max-width:1100px) and (min-width:801px){nav{gap:18px}.nav-contact{padding-inline:15px;gap:16px}.brand{width:250px}}
@media(max-width:800px){.header-inner{gap:20px}.site-header .brand{width:min(250px,calc(100% - 58px))}}
@media(max-width:520px){.footer-brand{width:215px}}
@media print{.footer-brand .brand-logo{filter:none}.site-footer{background:#fff;color:var(--navy)}}

/* Company leadership and the verified business map listing. */
.director-profile{display:grid;grid-template-columns:minmax(0,1fr);gap:0;margin-top:65px;padding-top:48px;border-top:1px solid var(--line)}


.director-content .eyebrow{margin-bottom:13px}.director-content h3{font-family:var(--serif);font-size:2.8rem;line-height:1.15;letter-spacing:-.025em;overflow-wrap:anywhere}.director-role{font-size:.875rem;color:var(--muted);margin:9px 0 25px}
.director-biography{display:grid;grid-template-columns:1.2fr 1fr;gap:40px}.director-biography p{color:var(--muted);font-size:1rem}.director-biography a{text-decoration:underline;text-underline-offset:4px;color:var(--ink)}.director-languages strong{font-size:.875rem;font-weight:550;color:var(--ink)}
.office-map{margin-top:45px;border:1px solid #ffffff32}.office-map-heading{display:flex;justify-content:space-between;align-items:center;gap:25px;padding:23px 27px}.office-map-heading h3{font-size:1.18rem;line-height:1.45;font-weight:500}.office-map-heading p{margin:6px 0 0;font-size:.875rem;line-height:1.6;color:#bfd2dc}.office-map-heading>a{font-size:.875rem;line-height:1.6;flex-shrink:0;text-decoration:underline;text-underline-offset:5px}.office-map-heading>a>span{margin-left:18px}.office-map iframe{width:100%;height:360px;border:0;display:block;background:#f2f2f2;filter:grayscale(1)}
@media(max-width:800px){.director-profile{gap:30px;margin-top:45px;padding-top:35px}.director-biography{grid-template-columns:1fr;gap:0}.director-content h3{font-size:2.45rem}.office-map-heading{align-items:flex-start;flex-direction:column;gap:15px}.office-map iframe{height:330px}}
@media(max-width:520px){.director-profile{grid-template-columns:1fr;gap:25px}.director-content h3{font-size:2.5rem}.office-map{margin-top:35px}.office-map-heading{padding:22px}.office-map iframe{height:320px}}
@media print{.office-map iframe{display:none}.office-map{border-color:var(--line)}.office-map-heading p{color:var(--muted)}.director-profile{break-inside:avoid}}

/* One expandable article brings the original definition and history together. */
.insurance-guide{margin-top:36px;background:#fff;border:1px solid var(--line);scroll-margin-top:118px}.insurance-guide>summary{display:grid;grid-template-columns:1fr 1.3fr;gap:50px;padding:34px;list-style:none;cursor:pointer}.insurance-guide>summary::-webkit-details-marker{display:none}.guide-heading,.guide-summary{display:flex;flex-direction:column}.guide-heading .eyebrow{margin-bottom:17px}.guide-title{font-family:var(--serif);font-size:2.65rem;line-height:1.1;letter-spacing:-.025em}.guide-description{font-size:1rem;line-height:1.75;color:var(--muted)}.guide-action{display:flex;align-items:center;justify-content:space-between;gap:24px;margin-top:22px;font-size:.875rem;font-weight:550}.guide-hide{display:none}.insurance-guide[open] .guide-read{display:none}.insurance-guide[open] .guide-hide{display:inline}.insurance-guide[open] .plus{transform:rotate(45deg)}.insurance-guide>summary:hover .guide-action{color:#276379}.guide-article{border-top:1px solid var(--line);padding:38px max(34px,calc((100% - 780px)/2)) 40px}.guide-article h3{font-family:var(--serif);font-size:1.95rem;line-height:1.25;letter-spacing:-.015em;margin:30px 0 16px}.guide-article h3:first-child{margin-top:0}.guide-article p{font-size:1rem;line-height:1.85;color:var(--muted)}.guide-article p:last-of-type{margin-bottom:0}.guide-article a{text-decoration:underline;text-underline-offset:4px;color:var(--ink)}.guide-close{margin-top:28px;padding:12px 0;gap:45px;align-items:center;border:0;border-bottom:1px solid var(--line);background:none;color:var(--ink);font-size:.875rem;font-weight:550;cursor:pointer}.guide-close:not([hidden]){display:inline-flex}.guide-close span{font-size:1.4rem}.guide-close:hover{border-color:var(--ink)}.footer-info-link{font-size:.875rem;line-height:1.5;color:#c8d7df}.footer-info-link:hover{text-decoration:underline;text-underline-offset:5px}
@media(max-width:800px){.insurance-guide{scroll-margin-top:104px}.insurance-guide>summary{gap:28px;padding:28px;grid-template-columns:1fr}.guide-title{font-size:2.4rem}.guide-article{padding:30px 28px}.guide-article h3{font-size:1.8rem}}
@media(max-width:520px){.insurance-guide>summary{padding:25px;gap:20px}.guide-article{padding:28px 25px}.guide-title{font-size:2.25rem}.guide-description{font-size:1rem}.guide-action{margin-top:18px}}
@media print{.insurance-guide>summary{display:block}.guide-summary{margin-top:15px}.guide-action,.guide-close{display:none!important}.guide-article{padding:25px 0}.insurance-guide{border:0}}

/* War risks entry point and concise, expandable market notes. */
.wr-callout{display:flex;justify-content:space-between;align-items:center;gap:32px;border-bottom:1px solid var(--line);padding:32px 0 27px}.wr-callout .eyebrow{margin-bottom:10px}.wr-callout h3{font-family:var(--serif);font-size:2rem;line-height:1.2;margin-bottom:10px}.wr-callout p:last-child{color:var(--muted);margin:0}.wr-callout .button{flex-shrink:0}.insurance-guide+.insurance-guide{margin-top:18px}.footer-links{display:flex;flex-wrap:wrap;gap:10px 24px;max-width:410px}.insights-reviewed{display:inline-block;font-size:.8rem;margin-top:13px}.insight-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:24px;align-items:start}.insight{border-top:2px solid var(--navy);background:var(--paper);min-width:0}.insight>summary{display:flex;flex-direction:column;list-style:none;padding:28px;min-height:335px;cursor:pointer}.insight>summary::-webkit-details-marker{display:none}.insight-meta{font-size:.75rem;line-height:1.6;letter-spacing:.065em;color:var(--muted);margin-bottom:27px}.insight-title{font-family:var(--serif);font-size:2.25rem;line-height:1.12;letter-spacing:-.025em;margin-bottom:19px}.insight-intro{font-size:1rem;line-height:1.65;color:var(--muted);margin-bottom:25px}.insight-action{display:flex;justify-content:space-between;align-items:center;gap:20px;margin-top:auto;font-size:.875rem;font-weight:550}.insight-hide{display:none}.insight[open] .insight-read{display:none}.insight[open] .insight-hide{display:inline}.insight[open] .plus{transform:rotate(45deg)}.insight-body{padding:0 28px 28px}.insight-body>p:first-child{border-top:1px solid var(--line);padding-top:25px}.insight-body p{color:var(--muted);font-size:1rem;line-height:1.75}.insight-point strong{display:block;font-size:.875rem;color:var(--ink);margin-bottom:5px;font-weight:600}.source-link{display:block;font-size:.875rem;line-height:1.65;text-decoration:underline;text-underline-offset:4px;overflow-wrap:anywhere}.source-link span{margin-left:8px}.insight-footnote{font-size:.8rem;line-height:1.7;color:var(--muted);margin:24px 0 0;max-width:780px}
@media(max-width:1100px){.insight-grid{gap:15px}.insight>summary{padding:24px;min-height:355px}.insight-title{font-size:2rem}.insight-body{padding:0 24px 24px}.footer-links{max-width:265px}}
@media(max-width:800px){.insight-grid{grid-template-columns:1fr}.insight>summary{min-height:0;padding:28px}.insight-title br{display:none}.insight-title{font-size:2.4rem}.insight-meta{margin-bottom:20px}.insight-body{padding:0 28px 28px}.insight-intro{max-width:600px}.wr-callout{align-items:flex-start;flex-direction:column;gap:22px}.footer-links{max-width:100%;flex:1 1 100%;order:2}.footer-inner p{order:3}}
@media(max-width:520px){.insight>summary{padding:25px}.insight-body{padding:0 25px 25px}.insight-title{font-size:2.25rem}.wr-callout h3{font-size:1.85rem}}

/* A WR-only enquiry, prepared locally for the visitor's email application. */
[hidden]{display:none!important}.enquiry-page{background:var(--paper)}.enquiry-intro{padding-top:42px;padding-bottom:45px}.back-link{display:inline-flex;align-items:center;gap:12px;font-size:.875rem;margin-bottom:45px;color:var(--muted)}.back-link:hover{text-decoration:underline;text-underline-offset:4px}.enquiry-intro .eyebrow{margin-bottom:20px}.enquiry-intro h1{font-size:clamp(3.7rem,6vw,5.8rem);line-height:1.02;margin-bottom:25px}.enquiry-intro>p:not(.eyebrow){max-width:640px;font-size:1.05rem;color:var(--muted)}.enquiry-steps{padding:25px 0 0;margin:30px 0 0;list-style:none;display:flex;flex-wrap:wrap;gap:18px 36px;border-top:1px solid var(--line)}.enquiry-steps li{font-size:.875rem;line-height:1.6}.enquiry-steps span{font-size:.75rem;color:var(--muted);margin-right:12px}.enquiry-layout{display:grid;grid-template-columns:minmax(0,1fr) minmax(260px,.42fr);gap:48px;align-items:start;padding-bottom:95px}.enquiry-form{background:#fff;border:1px solid var(--line);padding:36px;min-width:0}.required-note{font-size:.8rem;color:var(--muted);margin-bottom:30px}.enquiry-form>fieldset{border:0;border-bottom:1px solid var(--line);padding:0 0 32px;margin:0 0 34px;min-width:0}.enquiry-form>fieldset>legend{font-family:var(--serif);font-size:2rem;line-height:1.2;padding:0;margin-bottom:25px}.enquiry-form>fieldset>legend>span{font-family:var(--sans);font-size:.75rem;color:var(--muted);display:inline-block;vertical-align:middle;margin-right:14px;letter-spacing:.07em}.field-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:23px 20px}.field{display:flex;flex-direction:column;min-width:0;gap:9px}.field-wide{grid-column:1/-1}.field label,.review-label{font-size:.875rem;line-height:1.55;font-weight:550}.field input,.field select,.field textarea,#draft-body{font-family:var(--sans);font-size:1rem;line-height:1.5;color:var(--ink);background:#fff;border:1px solid #aebfc8;border-radius:0;padding:12px;width:100%;min-width:0;min-height:49px}.field input::placeholder,.field textarea::placeholder{color:#657682;opacity:1}.field textarea,#draft-body{resize:vertical}.field input:focus-visible,.field select:focus-visible,.field textarea:focus-visible,#draft-body:focus-visible{outline:2px solid #276379;outline-offset:2px;border-color:#276379}.field [aria-invalid=true]{border:2px solid #ad4039;background:#fffafa}.field-hint{font-size:.8rem;line-height:1.6;color:var(--muted)}.cover-options{border:0;padding:0;margin:26px 0;display:flex;flex-wrap:wrap;gap:12px 22px;min-width:0}.cover-options legend{font-size:.875rem;font-weight:550;padding:0;margin-bottom:12px}.cover-options label{font-size:.875rem;display:flex;align-items:center;gap:9px;line-height:1.6;cursor:pointer;min-height:32px}.cover-options input{width:18px;height:18px;margin:0;accent-color:var(--navy)}.cover-options p{width:100%;margin:0}.value-grid{grid-template-columns:minmax(0,1fr) 110px}.prepare-actions{display:flex;flex-direction:column;align-items:flex-start;gap:16px}.enquiry-form .button{border:0;cursor:pointer;text-align:left;line-height:1.6}.enquiry-form .button:disabled{opacity:.6;cursor:wait}.prepare-actions p{font-size:.875rem;color:var(--muted);margin:0;max-width:530px}.form-error{border-left:3px solid #ad4039;background:#fff4f2;color:#852e29;padding:13px 16px;font-size:.875rem}.enquiry-aside{position:sticky;top:130px;padding:32px;background:var(--navy);color:white;min-width:0}.enquiry-aside .eyebrow{color:#bfdbdf;margin-bottom:18px}.enquiry-aside h2{font-size:2.45rem;line-height:1.08;margin-bottom:24px}.enquiry-aside>p:not(.eyebrow),.aside-note p{color:#c6d6df;font-size:.95rem}.enquiry-aside>a{display:flex;justify-content:space-between;gap:14px;font-size:.875rem;line-height:1.6;padding:12px 0;border-bottom:1px solid #ffffff30;overflow-wrap:anywhere}.enquiry-aside>a:hover{text-decoration:underline;text-underline-offset:4px}.aside-note{padding-top:28px}.aside-note h3{font-size:1rem;line-height:1.5;margin-bottom:14px;font-weight:550}.enquiry-aside .aside-insights{color:#c1e6e5;margin-top:18px;border:0}.enquiry-review{border-top:1px solid var(--line);padding-top:32px;margin-top:35px;scroll-margin-top:125px}.enquiry-review .eyebrow{margin-bottom:14px}.enquiry-review h2{font-size:2.65rem}.draft-address{font-size:.875rem;line-height:1.6;margin:24px 0}.draft-address>div{display:grid;grid-template-columns:60px minmax(0,1fr);gap:10px;margin-bottom:10px}.draft-address dt{color:var(--muted)}.draft-address dd{margin:0;overflow-wrap:anywhere}.review-label{display:block;margin-bottom:10px}#draft-body{background:var(--paper);font-size:.875rem;line-height:1.75;min-height:320px}.review-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:20px}.enquiry-form .button-outline{border:1px solid var(--navy);background:#fff;color:var(--navy)}.button-outline:hover{background:var(--paper)}.draft-status{font-size:.875rem;margin:20px 0 10px;color:var(--ink)}.enquiry-form noscript a{text-decoration:underline}
@media(max-width:1100px){.enquiry-layout{gap:28px;grid-template-columns:minmax(0,1fr) 280px}.enquiry-form{padding:28px}.enquiry-aside{padding:28px}.field-grid{gap:22px 16px}}
@media(max-width:900px){.enquiry-layout{grid-template-columns:1fr;padding-bottom:70px}.enquiry-aside{position:static}.enquiry-aside h2 br{display:none}.enquiry-aside>p,.aside-note p{max-width:650px}.enquiry-aside>a{max-width:420px}.enquiry-review{scroll-margin-top:110px}}
@media(max-width:520px){.enquiry-intro{padding-top:28px;padding-bottom:30px}.back-link{margin-bottom:35px}.enquiry-intro h1{font-size:3.8rem}.enquiry-steps{flex-direction:column;gap:12px;margin-top:25px;padding-top:22px}.enquiry-form{padding:24px 20px}.field-grid{grid-template-columns:1fr}.value-grid{grid-template-columns:minmax(0,1fr) 92px;gap:14px}.enquiry-form>fieldset>legend{font-size:1.85rem}.enquiry-form>fieldset{padding-bottom:27px;margin-bottom:28px}.enquiry-aside{padding:28px}.review-actions{flex-direction:column;align-items:stretch}.review-actions .button{gap:15px;font-size:.875rem}.draft-address>div{grid-template-columns:1fr;gap:3px}.enquiry-review h2{font-size:2.4rem}}
@media print{.insight-grid{grid-template-columns:1fr}.enquiry-layout{display:block}.enquiry-aside,.enquiry-steps,.prepare-actions,.review-actions{display:none}.enquiry-form{border:0}.enquiry-review{break-before:page}}

/* CAPTCHA confirmation belongs immediately before the local enquiry preview. */
.captcha-confirmation{margin-top:32px;padding:28px;background:var(--paper);border:1px solid var(--line);scroll-margin-top:125px}.captcha-confirmation .eyebrow{margin-bottom:13px}.captcha-confirmation h2{font-size:2.35rem;margin-bottom:18px}.captcha-confirmation>p:not(.eyebrow){font-size:.875rem}.captcha-status{margin:16px 0;color:var(--muted)}.captcha-actions{display:flex;flex-wrap:wrap;gap:12px;margin:20px 0}.captcha-confirmation .field-hint{margin-bottom:0}#captcha-widget{min-height:65px;max-width:100%}.captcha-confirmation[aria-busy=true] .captcha-status{color:var(--ink)}
@media(max-width:520px){.captcha-confirmation{padding:20px 12px;scroll-margin-top:110px}.captcha-confirmation h2{font-size:2rem}.captcha-actions{flex-direction:column}.captcha-actions .button{justify-content:center}}

/* Email links are revealed only after server-verified CAPTCHA confirmation. */
.email-contact-page{background:var(--paper)}.email-contact-main{max-width:850px;padding-top:48px;padding-bottom:80px}.email-contact-main h1{font-size:clamp(3rem,5vw,4.4rem);line-height:1.1;margin-bottom:24px}.email-contact-intro{color:var(--muted);max-width:650px}.contact-check{margin-top:30px}.contact-check .captcha-confirmation{margin:0;padding:0;border:0;background:transparent}.contact-check h2{font-size:2rem;margin-bottom:20px}.contact-note{margin:20px 0 0}.contact-phone{font-size:.95rem;color:var(--muted);margin-top:25px}.contact-phone a{text-decoration:underline;text-underline-offset:4px;color:var(--ink)}
@media(max-width:520px){.email-contact-main{padding-top:30px;padding-bottom:60px}.contact-check .button{width:100%;gap:15px}.contact-phone a{display:inline-block}}

/* Service landing pages and the direct WR Inquiry navigation. */
.link-arrow{width:1.15em;height:1.15em;display:inline-block;vertical-align:-.15em;flex-shrink:0}
.service-detail .service-learn{display:block;margin:0 0 16px}
@media(min-width:1101px){#primary-nav{gap:24px}}
@media(max-width:1000px){
 .site-header{height:84px}.header-inner{gap:20px}.site-header .brand{width:min(250px,calc(100% - 64px))}
 .menu-toggle{display:flex;width:44px;height:44px;flex-shrink:0;flex-direction:column;align-items:center;justify-content:center;gap:7px;border:1px solid var(--line);background:#fff;color:var(--navy);cursor:pointer}
 .menu-toggle span{display:block;width:20px;height:1px;background:currentColor;transition:transform .2s}
 .menu-toggle[aria-expanded=true] span:first-child{transform:translateY(4px) rotate(45deg)}.menu-toggle[aria-expanded=true] span:last-child{transform:translateY(-4px) rotate(-45deg)}
 #primary-nav{display:none;position:absolute;top:84px;left:0;right:0;background:#fff;padding:22px 24px 28px;border-bottom:1px solid var(--line);box-shadow:0 12px 20px #092b4010}
 #primary-nav.is-open{display:flex;flex-direction:column;align-items:stretch;gap:0}#primary-nav a{padding:15px 0;font-size:1rem}#primary-nav a:not(.nav-contact):after{display:none}#primary-nav .nav-contact{padding:14px 18px;margin-top:15px}
 section[id]{scroll-margin-top:84px}
}
.service-page-main{padding-top:32px;padding-bottom:90px}.service-breadcrumb{font-size:.8rem;color:var(--muted);line-height:1.8;margin-bottom:52px}.service-breadcrumb a{text-decoration:underline;text-underline-offset:4px}.service-breadcrumb span{margin:0 10px}
.service-page-intro{max-width:900px;margin-bottom:50px}.service-page-intro h1{font-size:clamp(2.8rem,5.8vw,5rem);line-height:1.06;margin:0 0 28px}.service-page-intro>p:last-child{max-width:790px;color:var(--muted);font-size:1.16rem;line-height:1.8}
.service-page-layout{display:grid;grid-template-columns:minmax(0,1.6fr) minmax(0,1fr);gap:8%;align-items:start}.service-page-copy section{margin-bottom:34px}.service-page-copy h2{font-size:2.05rem;line-height:1.2;margin-bottom:15px}.service-page-copy p{color:var(--muted);line-height:1.85}.service-page-copy .service-cover-note{font-size:.85rem;border-top:1px solid var(--line);padding-top:20px}
.service-prepare{padding:32px;background:var(--navy);color:#fff}.service-prepare .eyebrow{margin-bottom:18px}.service-prepare h2{font-size:2.35rem}.service-prepare ul{padding-left:19px;margin:25px 0 30px}.service-prepare li{padding-left:5px;margin-bottom:15px;line-height:1.65;color:#d5e2e8}.service-prepare .button{width:100%;gap:12px}.service-prepare>p:last-child{font-size:.9rem;line-height:1.8;margin:25px 0 0;color:#d5e2e8}.service-prepare>p:last-child a{text-decoration:underline;text-underline-offset:4px}
.related-services{margin-top:58px;padding-top:40px;border-top:1px solid var(--line)}.related-services h2{font-size:2.5rem;margin-bottom:28px}.related-services>div{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:0 40px}.related-services a{padding:16px 0;border-top:1px solid var(--line);display:flex;justify-content:space-between;gap:16px;font-size:.95rem;line-height:1.5}
@media(max-width:800px){.service-page-layout{grid-template-columns:1fr;gap:26px}.service-page-main{padding-bottom:60px}.service-page-intro{margin-bottom:32px}.service-breadcrumb{margin-bottom:34px}.service-prepare{padding:28px}}
@media(max-width:520px){.service-page-intro h1{font-size:2.9rem;overflow-wrap:normal}.service-page-intro>p:last-child{font-size:1.05rem}.related-services>div{grid-template-columns:1fr}.related-services h2{font-size:2.2rem}.service-page-copy h2{font-size:1.9rem}}