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ol{list-style:none;padding:0;margin:0;border-top:1px solid #d9d2d3}.service-process li{display:grid;grid-template-columns:55px 1fr;gap:20px;padding:25px 0;border-bottom:1px solid #d9d2d3}.service-process li>span{color:#b7182a;font-weight:800}.service-process h3{margin:0 0 8px}.service-process p{color:#615b60;margin:0}.service-tool{margin-bottom:95px;padding:45px;background:#f8f1f2;display:flex;align-items:center;justify-content:space-between;gap:40px}.service-tool h2{font-size:clamp(2rem,3vw,3.4rem);margin:8px 0}.service-tool p{color:#615b60;max-width:670px}.service-tool .button{flex-shrink:0}.service-links{padding-bottom:100px}.service-links h2{font-size:clamp(2rem,3vw,3.3rem)}.service-links>div{border-top:1px solid #d9d2d3}.service-links a{display:flex;justify-content:space-between;gap:20px;padding:18px 4px;border-bottom:1px solid #d9d2d3;font-weight:800}.service-links a:hover{color:#b7182a;padding-left:10px}.insurance-purpose{display:grid;grid-template-columns:1.1fr .9fr;gap:9%;padding-block:95px}.insurance-purpose h2{font-size:clamp(2.4rem,4.6vw,4.8rem);margin:12px 0}.insurance-purpose>p{align-self:end;color:#615b60;font-size:1.1rem}.insurance-areas{background:#f5f1ef}.insurance-areas>.wrap{display:grid;grid-template-columns:repeat(3,1fr);gap:0;padding-block:85px}.insurance-areas article{padding:15px 38px 15px 0}.insurance-areas article+article{border-left:1px solid #d5cecb;padding-left:38px}.insurance-areas span{font-size:.75rem;color:#b7182a;font-weight:800;letter-spacing:.12em}.insurance-areas h3{font-size:1.8rem;margin:24px 0 12px}.insurance-areas p{color:#615b60}.insurance-check{display:grid;grid-template-columns:.85fr 1.15fr;gap:8%}.insurance-check ul{list-style:none;padding:0;margin:0}.insurance-check li{display:grid;gap:5px;padding:20px 0;border-bottom:1px solid #d9d2d3}.insurance-check li:first-child{border-top:1px solid #d9d2d3}.insurance-check li span{color:#615b60}.insurance-actions{grid-column:2;display:flex;align-items:center;gap:25px;flex-wrap:wrap}.insurance-actions>a:not(.button){font-weight:800;text-decoration:underline}.invest-steps{grid-template-columns:repeat(4,1fr)}.invest-balance{display:grid;grid-template-columns:1fr .8fr;gap:9%;align-items:center;padding-block:95px}.invest-balance h2{font-size:clamp(2.3rem,4vw,4.5rem);margin:12px 0}.invest-balance p{color:#615b60}.balance-card{background:#f7f1f2;padding:35px;display:grid;gap:9px;border-top:5px solid #b7182a}.balance-card span{color:#615b60;font-size:.8rem;letter-spacing:.1em;text-transform:uppercase;margin-top:14px}.balance-card strong{font-size:1.35rem}.retirement-layers{grid-template-columns:repeat(3,1fr)}.retirement-questions{display:grid;grid-template-columns:1fr 1fr;gap:9%;padding-block:95px}.retirement-questions h2{font-size:clamp(2.4rem,4vw,4.4rem);margin:12px 0}.retirement-questions ol{list-style:none;padding:0;margin:0;border-top:1px solid #d9d2d3}.retirement-questions li{display:grid;grid-template-columns:45px 1fr;gap:15px;padding:22px 0;border-bottom:1px solid #d9d2d3;font-size:1.15rem;font-weight:700}.retirement-questions li span{color:#b7182a}.service-cta{margin-top:0}
.about-hero{display:grid;grid-template-columns:1fr .9fr;gap:7%;align-items:stretch;padding-block:70px}.about-copy{align-self:center}.about-photo{min-height:510px;overflow:hidden}.about-photo picture,.about-photo img{display:block;width:100%;height:100%}.about-photo img{object-fit:cover;object-position:50% 35%}.about-facts{border-block:1px solid #ddd4d5}.about-facts>.wrap{display:grid;grid-template-columns:repeat(3,1fr)}.about-facts span{padding:24px 28px 24px 0;color:#615b60}.about-facts span+span{border-left:1px solid #ddd4d5;padding-left:28px}.about-facts strong{display:block;color:#241f22;font-size:1.18rem}.about-story{display:grid;grid-template-columns:.9fr 1.1fr;gap:10%;padding-block:105px}.about-story h2,.about-expect h2,.testimonials h2,.about-regulation h2{font-size:clamp(2.3rem,4vw,4.5rem);margin:12px 0}.about-story-copy{font-size:1.12rem;color:#514b4f}.about-expect{background:#f5f1ef;padding-block:95px}.about-expect-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:9%}.about-expect-list{border-top:1px solid #cec5c3}.about-expect-list article{display:grid;grid-template-columns:45px 1fr;column-gap:18px;padding:22px 0;border-bottom:1px solid #cec5c3}.about-expect-list article>span{grid-row:1/3;color:#b7182a;font-weight:800}.about-expect-list h3{margin:0 0 8px}.about-expect-list p{margin:0;color:#615b60}.testimonials{padding-block:100px}.testimonials-heading{max-width:740px}.testimonial-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:40px}.testimonial-grid figure{margin:0;padding:30px;background:#fff;border:1px solid #e1d8d9;border-top:4px solid #b7182a;display:flex;flex-direction:column;min-height:315px}.testimonial-grid blockquote{margin:0 0 28px;font-size:1.05rem;line-height:1.68;flex:1}.testimonial-grid figcaption{border-top:1px solid #e1d8d9;padding-top:18px}.testimonial-grid figcaption strong,.testimonial-grid figcaption span{display:block}.testimonial-grid figcaption span{color:#615b60;font-size:.9rem}.about-regulation{background:#241f22;color:#fff;padding-block:80px}.about-regulation-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:9%}.about-regulation .eyebrow{color:#ff9eaa}.about-regulation p{color:#e8e0e2}.about-regulation a{font-weight:800;text-decoration:underline;text-underline-offset:5px}
@media(max-width:850px){.service-hero,.about-hero{grid-template-columns:1fr}.service-hero aside{min-height:0;margin-top:12px}.scenario-grid,.insurance-areas>.wrap,.retirement-layers,.testimonial-grid{grid-template-columns:1fr}.scenario-grid article,.retirement-layers article{min-height:220px}.service-view-grid,.service-process,.insurance-purpose,.insurance-check,.invest-balance,.retirement-questions,.about-story,.about-expect-grid,.about-regulation-grid{grid-template-columns:1fr}.service-process,.insurance-check{gap:30px}.service-tool{align-items:flex-start;flex-direction:column}.insurance-areas article,.insurance-areas article+article{border-left:0;border-bottom:1px solid #d5cecb;padding:25px 0}.invest-steps{grid-template-columns:repeat(2,1fr)}.insurance-actions{grid-column:1}.about-facts>.wrap{grid-template-columns:1fr}.about-facts span,.about-facts span+span{border-left:0;border-bottom:1px solid #ddd4d5;padding:18px 0}.about-photo{min-height:380px}.testimonial-grid figure{min-height:0}}
@media(max-width:520px){.service-hero,.about-hero{padding-block:45px}.service-hero h1,.about-hero h1{font-size:2.8rem}.service-scenarios,.service-process,.invest-plan,.insurance-check,.retirement-map,.about-story,.about-expect,.testimonials{padding-block:65px}.invest-steps{grid-template-columns:1fr}.service-view{padding-block:60px}.service-tool{padding:28px}.about-photo{min-height:320px}}
.advice-page,.contact-page{color:#241f22}.advice-page h1,.advice-page h2,.contact-page h1,.contact-page h2{letter-spacing:-.05em}.advice-hero{display:grid;grid-template-columns:1.15fr .85fr;gap:10%;align-items:end;padding-block:72px 85px}.advice-hero h1,.contact-hero h1{font-size:clamp(3.2rem,6vw,6.5rem);margin:18px 0 0}.advice-intro{border-left:4px solid #d31f30;padding-left:28px}.advice-intro p{font-size:1.15rem;color:#514b4f}.advice-intro span{font-size:.75rem;letter-spacing:.14em;font-weight:800;color:#b7182a}.advice-index{padding-bottom:105px}.advice-heading{max-width:850px;margin-bottom:42px}.advice-heading h2{font-size:clamp(2.4rem,4.5vw,4.8rem);margin:12px 0}.advice-grid{display:grid;grid-template-columns:repeat(2,1fr);border-top:1px solid #d9d2d3}.advice-grid article{position:relative;padding:34px 40px 34px 0;border-bottom:1px solid #d9d2d3;display:flex;flex-direction:column;min-height:300px}.advice-grid article:nth-child(even){border-left:1px solid #d9d2d3;padding-left:40px}.advice-grid article>span{font-size:.78rem;font-weight:800;color:#b7182a;letter-spacing:.12em}.advice-grid h3{font-size:clamp(1.55rem,2.4vw,2.2rem);margin:28px 0 13px}.advice-grid h3 a:hover{color:#b7182a}.advice-grid p{color:#615b60;flex:1}.advice-grid article>a{font-weight:800;color:#9e1524}.advice-note{background:#241f22;color:#fff;padding-block:85px}.advice-note>.wrap{display:grid;grid-template-columns:1fr 1fr;gap:20px 8%;align-items:end}.advice-note .eyebrow{color:#ff9eaa;grid-column:1/-1}.advice-note h2{font-size:clamp(2.3rem,4vw,4.5rem);margin:0}.advice-note p{color:#e5dddf;font-size:1.08rem}.advice-note .button{grid-column:2;justify-self:start}
.contact-hero{display:grid;grid-template-columns:1.15fr .85fr;gap:10%;align-items:center;padding-block:72px 90px}.contact-hero .lead{max-width:700px}.contact-direct{border-left:4px solid #d31f30;padding:5px 0 5px 28px;display:flex;flex-direction:column;align-items:flex-start;gap:8px}.contact-direct>span{font-size:.76rem;letter-spacing:.15em;font-weight:800;color:#b7182a;margin-bottom:10px}.contact-direct a{font-size:clamp(1.25rem,2vw,1.75rem);font-weight:800;border-bottom:1px solid #d9d2d3}.contact-direct p{color:#615b60;margin:15px 0 0}.contact-work{background:#f5f1ef;padding-block:95px}.contact-work-grid{display:grid;grid-template-columns:.75fr 1.25fr;gap:9%;align-items:start}.contact-form-intro h2{font-size:clamp(2.4rem,4vw,4.4rem);margin:12px 0 20px}.contact-form-intro>p:not(.eyebrow){color:#615b60}.contact-form-intro ol{list-style:none;padding:0;margin:35px 0 0;border-top:1px solid #cec5c3}.contact-form-intro li{display:grid;grid-template-columns:45px 1fr;gap:15px;padding:15px 0;border-bottom:1px solid #cec5c3;font-weight:700}.contact-form-intro li span{color:#b7182a}.contact-form-card{max-width:none;margin:0;background:#fff;border-top:5px solid #d31f30;padding:clamp(25px,4vw,48px);box-shadow:0 18px 48px #3a222510}.contact-form-card input:not([type=checkbox]),.contact-form-card textarea{border-color:#cfc3c5;border-radius:3px}.contact-form-card .button{border:0}.contact-form-card .form-success h2{font-size:2rem;margin-bottom:10px}.contact-form-card .form-success p{margin:0}
@media(max-width:850px){.advice-hero,.contact-hero,.contact-work-grid{grid-template-columns:1fr}.advice-intro,.contact-direct{margin-top:20px}.advice-note>.wrap{grid-template-columns:1fr}.advice-note .eyebrow,.advice-note .button{grid-column:1}.advice-grid{grid-template-columns:1fr}.advice-grid article:nth-child(even){border-left:0;padding-left:0}.contact-work-grid{gap:45px}}
@media(max-width:520px){.advice-hero,.contact-hero{padding-block:45px 60px}.advice-hero h1,.contact-hero h1{font-size:2.8rem}.advice-index,.contact-work{padding-block:60px}.advice-grid article{padding-right:0;min-height:0}.advice-note{padding-block:60px}.contact-form-card{padding:24px}.contact-direct a{font-size:1.15rem}}
.contact-form-card select{border-color:#cfc3c5;border-radius:3px}.mortgage-lead-form fieldset{border:0;padding:0;margin:0 0 24px}.mortgage-lead-form legend{font-size:1.2rem;font-weight:800;margin-bottom:18px}.mortgage-lead-form .form-hint{font-size:.84rem;color:#615b60;margin:-8px 0 20px}.mortgage-lead-form select{min-height:50px}
.advice-categories{display:grid;grid-template-columns:repeat(4,1fr);border:1px solid #d9d2d3;margin-bottom:105px;padding:0}.advice-categories a{display:grid;grid-template-columns:auto 1fr;column-gap:16px;align-items:center;padding:25px 26px;background:#fff;transition:background-color .2s ease,color .2s ease}.advice-categories a+a{border-left:1px solid #d9d2d3}.advice-categories span{grid-row:1/3;color:#b7182a;font-weight:800;font-size:.75rem;letter-spacing:.12em}.advice-categories strong{font-size:1.15rem}.advice-categories small{color:#716a6f}.advice-categories a:hover,.advice-categories a:focus-visible{background:#241f22;color:#fff}.advice-categories a:hover span,.advice-categories a:focus-visible span{color:#ff9eaa}.advice-categories a:hover small,.advice-categories a:focus-visible small{color:#e5dddf}.advice-topic{padding-block:100px;scroll-margin-top:100px}.advice-topic-primary{padding-top:0}.advice-topic-alt{background:#f5f1ef}.advice-topic-heading{display:grid;grid-template-columns:minmax(0,1fr) minmax(280px,.65fr);gap:8%;align-items:end;margin-bottom:45px}.advice-topic-heading h2{font-size:clamp(2.4rem,4.5vw,4.8rem);margin:12px 0 0}.advice-topic-heading>p{margin:0 0 8px;color:#615b60;font-size:1.08rem;line-height:1.7}.advice-guide-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:1px;background:#d2cacc;border:1px solid #d2cacc}.advice-guide-grid-three{grid-template-columns:repeat(3,1fr)}.advice-guide-grid>a{display:flex;flex-direction:column;min-height:290px;padding:32px;background:#fff;transition:transform .2s ease,box-shadow .2s ease}.advice-topic-alt .advice-guide-grid>a{background:#fff}.advice-guide-grid>a:hover,.advice-guide-grid>a:focus-visible{position:relative;z-index:1;transform:translateY(-5px);box-shadow:0 18px 42px #3a22251c}.advice-guide-grid span{font-size:.75rem;letter-spacing:.12em;color:#b7182a;font-weight:800}.advice-guide-grid h3{font-size:clamp(1.45rem,2vw,2rem);margin:34px 0 12px}.advice-guide-grid p{color:#615b60;margin:0 0 28px;line-height:1.65}.advice-guide-grid strong{margin-top:auto;color:#9e1524}.advice-guide-grid i{font-style:normal}.advice-topic+.advice-note{margin-top:0}
@media(max-width:850px){.advice-categories{grid-template-columns:repeat(2,1fr);margin-bottom:70px}.advice-categories a:nth-child(3){border-left:0;border-top:1px solid #d9d2d3}.advice-categories a:nth-child(4){border-top:1px solid #d9d2d3}.advice-topic{padding-block:75px}.advice-topic-primary{padding-top:0}.advice-topic-heading{grid-template-columns:1fr;gap:20px}.advice-guide-grid-three{grid-template-columns:1fr}.advice-guide-grid-three>a{min-height:230px}}
@media(max-width:520px){.advice-categories{grid-template-columns:1fr;margin-inline:20px}.advice-categories a+a,.advice-categories a:nth-child(3),.advice-categories a:nth-child(4){border-left:0;border-top:1px solid #d9d2d3}.advice-topic{padding-block:60px}.advice-topic-primary{padding-top:0}.advice-guide-grid{grid-template-columns:1fr}.advice-guide-grid>a{min-height:230px;padding:27px}.advice-topic-heading{margin-bottom:30px}}
.advice-categories{margin-bottom:0}.advice-categories button{appearance:none;border:0;border-radius:0;color:#241f22;font:inherit;text-align:left;display:grid;grid-template-columns:auto 1fr;column-gap:16px;align-items:center;padding:25px 26px;background:#fff;cursor:pointer;transition:background-color .2s ease,color .2s ease}.advice-categories button+button{border-left:1px solid #d9d2d3}.advice-categories button span{grid-row:1/3;color:#b7182a;font-weight:800;font-size:.75rem;letter-spacing:.12em}.advice-categories button strong{font-size:1.15rem}.advice-categories button small{color:#716a6f}.advice-categories button:hover,.advice-categories button:focus-visible{background:#f5f1ef}.advice-categories button[aria-selected="true"]{background:#241f22;color:#fff}.advice-categories button[aria-selected="true"] span{color:#ff9eaa}.advice-categories button[aria-selected="true"] small{color:#e5dddf}.advice-topic[hidden]{display:none!important}.advice-categories~.advice-topic{padding-top:75px;animation:advice-panel-in .28s ease both}@keyframes advice-panel-in{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:none}}
@media(max-width:850px){.advice-categories button:nth-child(3){border-left:0;border-top:1px solid #d9d2d3}.advice-categories button:nth-child(4){border-top:1px solid #d9d2d3}}
@media(max-width:520px){.advice-categories button+button,.advice-categories button:nth-child(3),.advice-categories button:nth-child(4){border-left:0;border-top:1px solid #d9d2d3}.advice-categories~.advice-topic{padding-top:52px}}
@media(prefers-reduced-motion:reduce){.advice-categories~.advice-topic{animation:none}}