.honeypot{position:absolute!important;left:-9999px!important;width:1px!important;height:1px!important;overflow:hidden!important}
.panel-standard{background:#10253a;color:#dce3e7;padding:105px 0}.panel-grid{display:grid;grid-template-columns:1fr 1fr;gap:90px}.panel-copy h2{color:#fff;font-size:clamp(40px,4.3vw,61px);letter-spacing:-.035em}.panel-copy h2 em{color:#cbb58e}.panel-copy>p:last-child{color:#b9c3c9;max-width:580px}.standards-list{border-top:1px solid rgba(255,255,255,.2)}.standards-list>div{display:grid;grid-template-columns:54px 1fr;gap:18px;padding:22px 0;border-bottom:1px solid rgba(255,255,255,.2)}.standards-list span{font:20px Georgia,serif;color:#cbb58e}.standards-list p{margin:0;color:#b9c3c9;font-size:14px}.standards-list strong{display:block;color:#fff;font:22px Georgia,serif;margin-bottom:4px}.building-links{display:grid;grid-template-columns:repeat(5,1fr);border:1px solid #d7d2c8;border-right:0;margin-top:52px}.building-links a{min-height:185px;padding:24px 20px;border-right:1px solid #d7d2c8;display:flex;flex-direction:column;transition:.2s;background:#fbfaf7}.building-links a:hover{background:#10253a;color:#fff}.building-links span{font-size:9px;letter-spacing:.13em;text-transform:uppercase;color:#a47b42}.building-links strong{font:23px/1.12 Georgia,serif;margin:18px 0}.building-links small{margin-top:auto;font-size:10px;color:#62707c}.building-links a:hover small{color:#cbb58e}
.building-facts{display:grid;grid-template-columns:repeat(3,1fr);border-top:1px solid #d7d2c8;border-bottom:1px solid #d7d2c8;margin:34px 0}.building-facts>div{padding:18px;border-right:1px solid #d7d2c8}.building-facts>div:last-child{border-right:0}.building-facts small{display:block;font-size:9px;text-transform:uppercase;letter-spacing:.12em;color:#62707c}.building-facts strong{font:22px Georgia,serif;color:#10253a}.related-guides{margin-top:55px;border-top:1px solid #d7d2c8;padding-top:22px}.related-guides>strong{display:block;font:25px Georgia,serif;color:#10253a;margin-bottom:13px}.related-guides a{display:block;padding:11px 0;border-bottom:1px solid #d7d2c8;color:#6c2831;font-weight:700;font-size:13px}
.diligence-grid{display:grid;grid-template-columns:1fr 1fr;gap:90px;align-items:start}.diligence-list{border-top:1px solid rgba(255,255,255,.2)}.diligence-list>div{display:grid;grid-template-columns:46px 1fr;gap:15px;padding:20px 0;border-bottom:1px solid rgba(255,255,255,.2)}.diligence-list span{font:18px Georgia,serif;color:#cbb58e}.diligence-list p{margin:0;color:#b9c3c9;font-size:13px}.diligence-list strong{display:block;color:#fff;font:21px Georgia,serif;margin-bottom:4px}.compensation-note{display:grid;grid-template-columns:190px 1fr;gap:30px;border-top:1px solid rgba(255,255,255,.2);margin-top:55px;padding-top:22px}.compensation-note strong{font:21px Georgia,serif;color:#fff}.compensation-note p{margin:0;color:#b9c3c9;max-width:800px}.source-list{border-top:1px solid #d7d2c8;margin-top:45px;padding-top:22px}.source-list strong{font:22px Georgia,serif;color:#10253a}.source-list a{color:#6c2831;text-decoration:underline;text-underline-offset:3px}.article-note{font-size:12px;color:#62707c;border-top:1px solid #d7d2c8;margin-top:45px;padding-top:18px}
.decision-section{background:#eeeae2}.decision-stories{display:grid;grid-template-columns:repeat(3,1fr);border-top:1px solid #cfc8bc;border-left:1px solid #cfc8bc}.decision-story{display:flex;min-height:470px;flex-direction:column;padding:34px 32px 30px;border-right:1px solid #cfc8bc;border-bottom:1px solid #cfc8bc;background:rgba(251,250,247,.58)}.decision-story:nth-child(2){background:#fbfaf7}.story-index{font:18px var(--serif);color:var(--brass)}.story-question{margin:47px 0 18px;color:var(--oxblood);font:italic 20px/1.42 var(--serif)}.decision-story h3{font-size:29px;line-height:1.18;margin-bottom:18px}.decision-story>p:not(.story-question){color:#59656f;font-size:14px}.decision-story a{margin-top:auto;padding-top:24px;border-top:1px solid #d7d2c8;color:var(--navy);font-size:11px;font-weight:700;letter-spacing:.08em;text-transform:uppercase}.decision-story a span{float:right;color:var(--oxblood)}
.research-section{background:#f8f6f1}.research-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}.research-card{position:relative;display:grid;grid-template-columns:54px 1fr;gap:25px;min-height:250px;padding:34px;border:1px solid var(--line);background:#fff;transition:transform .2s ease,box-shadow .2s ease,border-color .2s ease}.research-card:hover{transform:translateY(-3px);box-shadow:0 18px 42px rgba(7,22,35,.08);border-color:#b9ae9d}.research-card.feature-card{grid-column:1/-1;grid-template-columns:90px minmax(0,680px) 1fr;align-items:center;background:var(--navy);border-color:var(--navy);color:#fff}.research-number{font:24px var(--serif);color:var(--brass)}.research-card h3{font-size:31px;line-height:1.18;margin-bottom:12px}.research-card p{margin:0;color:var(--muted);font-size:14px}.research-card>i{position:absolute;right:28px;bottom:25px;font-style:normal;color:var(--oxblood)}.research-card.feature-card h3{color:#fff;font-size:37px}.research-card.feature-card p{color:#c6d0d5}.research-card.feature-card>i{position:static;justify-self:end;width:48px;height:48px;border:1px solid rgba(255,255,255,.35);display:grid;place-items:center;color:var(--brass-light)}
.article .question-set{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin:25px 0}.question-set>div{padding:20px;border:1px solid var(--line);background:#fff}.question-set strong{display:block;color:var(--navy);font:21px/1.25 var(--serif);margin-bottom:7px}.question-set p{margin:0;font-size:13px}.article .mini-ledger{margin:28px 0;border-top:2px solid var(--navy)}.mini-ledger>div{display:grid;grid-template-columns:180px 1fr;gap:24px;padding:19px 0;border-bottom:1px solid var(--line)}.mini-ledger strong{color:var(--navy);font-size:12px;text-transform:uppercase;letter-spacing:.06em}.mini-ledger p{margin:0}.article blockquote{margin:38px 0;padding:7px 0 7px 30px;border-left:1px solid var(--brass);color:var(--navy);font:italic 25px/1.5 var(--serif)}
.standards-list span,.standards-list strong,.building-links strong,.building-facts strong,.related-guides>strong,.diligence-list span,.diligence-list strong,.compensation-note strong,.source-list strong{font-family:var(--serif)}.research-card .research-meta{margin-bottom:13px;color:var(--oxblood);font-size:9px;font-weight:700;letter-spacing:.13em;text-transform:uppercase}.research-card.feature-card .research-meta{color:var(--brass-light)}
@media(max-width:960px){.panel-grid,.diligence-grid{grid-template-columns:1fr;gap:45px}.building-links{grid-template-columns:1fr 1fr}.building-links a{min-height:150px}.decision-stories{grid-template-columns:1fr}.decision-story{min-height:auto}.research-card.feature-card{grid-template-columns:65px 1fr}.research-card.feature-card>i{display:none}}
@media(max-width:760px){.panel-standard{padding:74px 0}.building-links{grid-template-columns:1fr}.building-links a{min-height:128px}.building-facts{grid-template-columns:1fr}.building-facts>div{border-right:0;border-bottom:1px solid #d7d2c8}.building-facts>div:last-child{border-bottom:0}.compensation-note{grid-template-columns:1fr;gap:8px}.decision-story{padding:28px 24px}.story-question{margin-top:29px}.research-grid{grid-template-columns:1fr}.research-card,.research-card.feature-card{grid-column:auto;grid-template-columns:42px 1fr;padding:27px 23px}.research-card h3,.research-card.feature-card h3{font-size:27px}.article .question-set{grid-template-columns:1fr}.article .mini-ledger>div{grid-template-columns:1fr;gap:7px}.article blockquote{font-size:22px;padding-left:21px}}
.research-standard{display:grid;grid-template-columns:repeat(4,1fr);margin:0 0 42px;border-top:2px solid var(--navy);border-bottom:1px solid var(--line);background:#f5f2ec}.research-standard span{padding:15px 14px;border-right:1px solid var(--line);color:var(--muted);font-size:10px;line-height:1.45}.research-standard span:last-child{border-right:0}.research-standard strong{display:block;color:var(--navy);font-size:9px;letter-spacing:.1em;text-transform:uppercase;margin-bottom:4px}.library-hero{padding-bottom:70px}.library-shell{width:min(1180px,calc(100% - 48px));margin:0 auto;padding:70px 0 110px}.library-intro{max-width:760px;margin-bottom:55px}.library-intro p{color:var(--muted)}.library-group{display:grid;grid-template-columns:250px 1fr;gap:55px;padding:45px 0;border-top:1px solid var(--line)}.library-group h2{font-size:31px;margin:0}.library-group h2 span{display:block;color:var(--brass);font:14px var(--sans);letter-spacing:.08em;margin-bottom:9px}.library-list{display:grid;grid-template-columns:1fr 1fr;gap:13px}.library-link{display:flex;flex-direction:column;min-height:165px;padding:23px;border:1px solid var(--line);background:#fff}.library-link small{color:var(--oxblood);font-size:9px;font-weight:700;letter-spacing:.1em;text-transform:uppercase}.library-link strong{font:23px/1.25 var(--serif);color:var(--navy);margin:16px 0 8px}.library-link p{font-size:12px;color:var(--muted);margin:0}.library-link:hover{border-color:var(--brass);transform:translateY(-2px)}.comparison-matrix{border-top:2px solid var(--navy);margin:30px 0}.comparison-matrix>div{display:grid;grid-template-columns:160px 1fr 1fr;gap:18px;padding:18px 0;border-bottom:1px solid var(--line)}.comparison-matrix strong{font-size:11px;text-transform:uppercase;letter-spacing:.06em;color:var(--navy)}.comparison-matrix span{font-size:13px;color:var(--muted)}
@media(max-width:760px){body{overflow-x:hidden}.editorial-hero h1{max-width:100%;font-size:clamp(38px,11vw,45px);overflow-wrap:break-word;letter-spacing:-.04em}.editorial-hero h1 em{display:inline}.editorial-meta{flex-wrap:wrap;gap:8px 20px}.research-standard{grid-template-columns:1fr 1fr}.research-standard span:nth-child(2){border-right:0}.research-standard span:nth-child(-n+2){border-bottom:1px solid var(--line)}.library-shell{width:min(100% - 30px,1180px)}.library-group{grid-template-columns:1fr;gap:25px}.library-list{grid-template-columns:1fr}.comparison-matrix>div{grid-template-columns:1fr;gap:6px}}

/* Property-page inquiry */
.property-inquiry{display:grid;grid-template-columns:minmax(0,.88fr) minmax(340px,1.12fr);gap:46px;margin:56px 0 50px;padding:38px 40px 36px;border:1px solid var(--line);border-top:4px solid var(--oxblood);background:#fff;box-shadow:0 20px 50px rgba(7,22,35,.07)}
.property-inquiry-intro h2{font-size:34px;line-height:1.12;margin-bottom:16px}
.property-inquiry-intro>p:not(.form-kicker){margin:0;color:var(--muted);font-size:14px;line-height:1.7}
.property-inquiry-points{display:grid;gap:0;margin-top:26px;border-top:1px solid var(--line)}
.property-inquiry-points span{position:relative;padding:11px 0 11px 22px;border-bottom:1px solid var(--line);color:#46545f;font-size:11px;font-weight:700;letter-spacing:.025em}
.property-inquiry-points span:before{content:'✓';position:absolute;left:0;color:var(--oxblood);font-family:var(--serif);font-size:14px}
.property-inquiry .field{margin-bottom:12px}
.property-inquiry .field>span{font-size:9px}
.property-inquiry .field input,.property-inquiry .field textarea{font-size:14px}
.property-consent{position:relative;display:grid;grid-template-columns:20px 1fr;gap:11px;margin:17px 0;padding:14px 15px;border:1px solid #d9d4ca;background:#f7f4ee;color:#56636d;font-size:10px;line-height:1.5;cursor:pointer}
.property-consent input{appearance:none;width:19px;height:19px;margin:1px 0 0;border:1px solid #9d9589;background:#fff;display:grid;place-content:center;cursor:pointer}
.property-consent input:before{content:'✓';color:#fff;font-size:13px;font-weight:700;line-height:1;transform:scale(0);transition:transform .12s ease}
.property-consent input:checked{border-color:var(--navy);background:var(--navy)}
.property-consent input:checked:before{transform:scale(1)}
.property-consent input:focus-visible{outline:2px solid var(--brass);outline-offset:2px}
.property-consent strong{display:block;margin-bottom:2px;color:var(--navy);font-size:12px}
.property-form-note{margin:11px 0 0;text-align:center;color:var(--muted);font-size:9px;letter-spacing:.035em}
.property-form-success{display:grid;grid-template-columns:44px 1fr;gap:15px;align-items:start;padding:20px;border:1px solid var(--line);background:#f7f4ee;outline:none}
.property-form-success>span{width:40px;height:40px;display:grid;place-items:center;border:1px solid var(--brass);border-radius:50%;color:var(--oxblood);font:22px var(--serif)}
.property-form-success strong{display:block;color:var(--navy);font:22px/1.25 var(--serif)}
.property-form-success p{margin:7px 0 0;color:var(--muted);font-size:12px;line-height:1.55}
.property-form-success[hidden]{display:none}
@media(max-width:820px){.property-inquiry{grid-template-columns:1fr;gap:30px;padding:32px 28px}}
@media(max-width:520px){.property-inquiry{margin:45px 0 40px;padding:27px 21px}.property-inquiry-intro h2{font-size:29px}.property-inquiry .field-pair{grid-template-columns:1fr;gap:0}.property-form-success{grid-template-columns:1fr}.property-form-success strong{font-size:20px}}

/* Editorial rhythm and viewport containment */
html,body{width:100%;max-width:100%;overflow-x:clip}
main,section,article,aside,header,footer,nav,div,form,fieldset{min-width:0}
.shell,.article-shell,.library-shell{max-width:100%}
.editorial-hero{overflow:hidden}
.editorial-hero h1,.editorial-hero h1 em,.article h2,.article h3{max-width:100%;overflow-wrap:anywhere;word-break:normal}
.article{min-width:0;font-size:17px;line-height:1.78}
.article>p{margin:0 0 24px}
.article h2{margin:82px 0 24px;line-height:1.08;scroll-margin-top:145px}
.article h3{margin:44px 0 16px;line-height:1.18;scroll-margin-top:145px}
.article ul,.article ol{margin:8px 0 30px;padding-left:24px}
.article li{margin:12px 0;padding-left:4px}
.article .article-lead{margin-bottom:52px;font-size:25px;line-height:1.55}
.article .callout{margin:42px 0;padding:30px 32px}
.article .source-list,.article .article-note{margin-top:56px}
.article .source-list p{margin-bottom:0}
.article a{overflow-wrap:anywhere}
.building-facts{overflow:hidden}
.comparison-matrix,.mini-ledger,.question-set{max-width:100%}
@media(max-width:960px){.article-shell{gap:0}.article{width:100%;max-width:760px;margin-inline:auto}}
@media(max-width:760px){html,body{overflow-x:hidden}.shell,.article-shell,.library-shell{width:calc(100% - 30px);max-width:100%}.editorial-hero h1{font-size:clamp(2.45rem,12vw,3.25rem);line-height:.98}.editorial-hero .hero-dek{font-size:16px;line-height:1.65}.article{font-size:16px;line-height:1.75}.article>p{margin-bottom:21px}.article h2{margin:62px 0 19px;font-size:clamp(2rem,10vw,2.45rem)}.article h3{margin:36px 0 13px;font-size:1.7rem}.article .article-lead{margin-bottom:42px;padding-left:18px;font-size:21px;line-height:1.5}.article .callout{margin:34px 0;padding:24px 22px}.building-facts>div{min-width:0}.building-facts strong{overflow-wrap:anywhere}.research-standard span{min-width:0;overflow-wrap:anywhere}}

/* Broker standards and application */
.broker-hero{background:var(--navy);color:#fff;padding:92px 0 100px;overflow:hidden;position:relative}
.broker-hero:after{content:"";position:absolute;inset:0 0 0 58%;opacity:.12;background-image:linear-gradient(rgba(255,255,255,.18) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.18) 1px,transparent 1px);background-size:58px 58px}
.broker-hero-grid{position:relative;z-index:1;display:grid;grid-template-columns:minmax(0,1.25fr) minmax(320px,.75fr);gap:90px;align-items:end}
.broker-hero h1{color:#fff;font-size:clamp(55px,6vw,88px)}
.broker-hero h1 em{color:var(--brass-light)}
.broker-hero .hero-dek{color:#c7d0d5;max-width:760px}
.broker-hero-actions{display:flex;align-items:center;gap:28px;margin-top:34px}
.broker-text-link{color:#fff;border-bottom:1px solid var(--brass-light);padding-bottom:5px;font-size:13px;font-weight:700}
.broker-principle{background:#fff;color:var(--ink);padding:36px;border-top:4px solid var(--brass)}
.broker-principle>span{color:var(--oxblood);font-size:10px;font-weight:700;letter-spacing:.15em;text-transform:uppercase}
.broker-principle blockquote{margin:22px 0;font:italic 30px/1.2 var(--serif);color:var(--navy)}
.broker-principle p{margin:0;color:var(--muted);font-size:13px}
.broker-intro .body-copy{padding-top:0}
.broker-standards{background:var(--navy-2);color:#fff;padding:110px 0}
.broker-standards .section-heading h2{color:#fff}
.broker-standards .section-heading>p{color:#b8c3c9}
.standards-grid{display:grid;grid-template-columns:repeat(4,1fr);border-top:1px solid rgba(255,255,255,.17);border-left:1px solid rgba(255,255,255,.17)}
.standards-grid article{min-height:255px;padding:30px 26px;border-right:1px solid rgba(255,255,255,.17);border-bottom:1px solid rgba(255,255,255,.17)}
.standards-grid article>span{color:var(--brass-light);font:18px var(--serif)}
.standards-grid h3{color:#fff;font-size:25px;margin:35px 0 12px}
.standards-grid p{margin:0;color:#bdc7cd;font-size:13px;line-height:1.7}
.broker-application-section{background:var(--oxblood);color:#fff;padding:110px 0}
.broker-application-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:90px;align-items:start}
.broker-application-copy{position:sticky;top:145px}
.broker-application-copy h2{color:#fff;font-size:clamp(42px,4.3vw,62px)}
.broker-application-copy>p:not(.eyebrow){color:#eadde0}
.broker-application-copy ul{list-style:none;padding:0;margin:32px 0 0;border-top:1px solid rgba(255,255,255,.25)}
.broker-application-copy li{padding:13px 0;border-bottom:1px solid rgba(255,255,255,.19);font-size:13px}
.broker-application-copy li:before{content:"✓";color:var(--brass-light);margin-right:10px}
.broker-application-form{background:#fff;color:var(--ink);padding:42px 40px;border-top:4px solid var(--brass)}
.broker-application-form .field textarea{line-height:1.55}
.broker-agreement{display:flex;gap:12px;align-items:flex-start;margin:22px 0;color:#58656f;font-size:12px;line-height:1.55}
.broker-agreement input{margin-top:4px;accent-color:var(--navy)}
.broker-agreement strong{color:var(--navy)}
.broker-form-note{margin:14px 0 0;text-align:center;color:var(--muted);font-size:11px}
.broker-form-error{margin:15px 0 0;padding:12px 14px;background:#f7e8e9;color:#792f38;font-size:12px}
.broker-form-success{text-align:center;padding:55px 20px}
.broker-form-success>span{display:grid;place-items:center;width:58px;height:58px;border:1px solid var(--brass);border-radius:50%;margin:0 auto 22px;color:var(--oxblood);font:26px var(--serif)}
.broker-form-success h3{font-size:38px}
.broker-form-success p{color:var(--muted);max-width:470px;margin:16px auto 0}
.broker-footer-row{display:flex;align-items:center;justify-content:space-between;gap:24px;border-top:1px solid rgba(255,255,255,.14);margin-top:45px;padding-top:24px;color:#dce3e7}
.broker-footer-row>span{font:21px var(--serif);color:#fff}
.broker-footer-row>a{font-size:11px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;border-bottom:1px solid var(--brass);padding-bottom:5px}
.broker-footer-row+a.footer-bottom{margin-top:25px}

@media(max-width:960px){.broker-hero-grid,.broker-application-grid{grid-template-columns:1fr;gap:48px}.broker-principle{max-width:650px}.standards-grid{grid-template-columns:repeat(2,1fr)}.broker-application-copy{position:static}}
@media(max-width:760px){
  .utility-bar{display:none}
  .menu-button{position:relative;z-index:3;border:1px solid rgba(16,37,58,.18);transition:border-color .2s,background .2s}
  .menu-button span:not(.sr-only){transition:transform .22s ease,opacity .18s ease}
  .menu-button[aria-expanded="true"]{background:var(--navy);border-color:var(--navy)}
  .menu-button[aria-expanded="true"] span:not(.sr-only){background:#fff}
  .menu-button[aria-expanded="true"] span:nth-child(1){transform:translateY(7px) rotate(45deg)}
  .menu-button[aria-expanded="true"] span:nth-child(2){opacity:0}
  .menu-button[aria-expanded="true"] span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
  .site-nav{display:flex;visibility:hidden;opacity:0;pointer-events:none;transform:translateY(-10px);position:absolute;top:100%;right:0;left:0;height:calc(100dvh - 70px);z-index:2;background:rgba(9,23,37,.99);color:#fff;padding:35px 24px 48px;overflow-y:auto;transition:opacity .2s ease,transform .2s ease,visibility .2s;font-family:var(--serif)}
  .site-nav.is-open{display:flex;visibility:visible;opacity:1;pointer-events:auto;transform:none}
  .site-nav a{padding:17px 3px;border-bottom:1px solid rgba(255,255,255,.15);font-size:clamp(25px,8vw,34px);color:#fff}
  .site-nav a[data-broker-link]{color:var(--brass-light)}
  .site-nav .nav-cta{margin-top:24px;border:1px solid var(--brass-light);background:transparent;color:#fff;font:700 11px var(--sans);padding:17px;text-align:center}
  .broker-hero{padding:60px 0 70px}.broker-hero h1{font-size:clamp(46px,14vw,62px)}.broker-hero-grid{gap:42px}.broker-hero-actions{align-items:flex-start;flex-direction:column;gap:20px}.broker-principle{padding:28px 24px}.broker-principle blockquote{font-size:26px}.broker-standards{padding:78px 0}.standards-grid{grid-template-columns:1fr}.standards-grid article{min-height:auto;padding:28px 24px}.standards-grid h3{margin-top:20px}.broker-application-section{padding:76px 0}.broker-application-grid{gap:36px}.broker-application-form{padding:30px 22px}.broker-application-form .field-pair{grid-template-columns:1fr;gap:0}.broker-footer-row{align-items:flex-start;flex-direction:column}.broker-footer-row>span{font-size:19px}
}
@supports not (overflow:clip){html,body{overflow-x:hidden}}