:root{--ink:#14211d;--paper:#f6f3eb;--white:#fff;--muted:#56645e;--aqua:#0c7774;--aqua-dark:#075954;--coral:#a83f29;--line:#d9ded9;--display:Georgia,'Times New Roman',serif;--sans:Inter,ui-sans-serif,system-ui,-apple-system,'Segoe UI',sans-serif;--wrap:min(1180px,calc(100% - 40px));--shadow:0 18px 50px rgba(12,40,35,.13)}
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img{width:170px;height:auto}.primary-nav{display:flex;align-items:center;gap:25px;font-size:.78rem;font-weight:700;letter-spacing:.04em;text-transform:uppercase}.primary-nav a{padding:12px 0;border-bottom:1px solid transparent}.primary-nav a:hover,.primary-nav a[aria-current=page]{border-color:currentColor}.primary-nav .nav-cta{background:#fff;color:var(--ink);padding:12px 19px;border:0}.menu-button{display:none}.hero,.page-hero{position:relative;color:#fff;background:#123;min-height:760px;overflow:hidden}.hero picture,.page-hero picture{position:absolute;inset:0}.hero-media,.page-hero-media{width:100%;height:100%}.hero-scrim{position:absolute;inset:0;background:linear-gradient(90deg,rgba(8,23,20,.82) 0%,rgba(8,23,20,.46) 48%,rgba(8,23,20,.18) 100%),linear-gradient(0deg,rgba(8,23,20,.4),transparent 50%)}.hero-copy{position:relative;z-index:2;width:var(--wrap);margin:auto;padding-top:230px}.hero-copy 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span{display:block;color:var(--coral);font-size:.7rem;text-transform:uppercase;letter-spacing:.14em;font-weight:800}.quick-facts strong{font-family:var(--display);font-size:1.2rem}.split-feature{display:grid;grid-template-columns:.85fr 1.15fr;gap:90px;align-items:center;padding-block:140px}.split-feature.compact{padding-block:100px}.split-copy p{color:#4c5b55}.text-link{font-weight:800;color:var(--aqua)}.image-stack{display:grid;grid-template-columns:1fr .75fr;align-items:end}.image-stack picture:first-child img{height:530px}.image-stack picture:last-child{margin-left:-70px;margin-bottom:-55px;border:10px solid var(--paper)}.image-stack picture:last-child img{height:280px}.dark-section{background:var(--ink);color:#fff;padding:130px 0}.section-heading{max-width:750px;margin-bottom:50px}.section-heading.light p{color:#b9c8c2}.feature-grid{display:grid;grid-template-columns:1fr 1.15fr 1fr;gap:18px;align-items:stretch}.feature-card{position:relative;min-height:420px;overflow:hidden}.feature-card.tall{min-height:520px;margin-top:-70px}.feature-card img{width:100%;height:100%;transition:transform .5s}.feature-card:hover img{transform:scale(1.03)}.feature-card:after{content:'';position:absolute;inset:45% 0 0;background:linear-gradient(transparent,rgba(0,0,0,.75))}.feature-card span{position:absolute;z-index:2;bottom:28px;left:28px}.feature-card small{display:block;text-transform:uppercase;letter-spacing:.14em}.feature-card strong{font:600 1.65rem var(--display)}.planning{padding-block:130px}.steps{list-style:none;padding:0;margin:0 0 45px;display:grid;grid-template-columns:repeat(3,1fr);gap:40px}.steps li{display:flex;gap:20px;border-top:1px solid var(--line);padding-top:25px}.steps li>span{color:var(--coral);font-weight:800}.steps h3{font-size:1.5rem}.steps p{color:var(--muted)}.gallery-strip{display:grid;grid-template-columns:1.2fr .9fr 1.1fr 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p{max-width:370px;color:#9fb0a9}.footer-logo{width:180px;height:auto;margin-bottom:22px}.footer-bottom{width:var(--wrap);margin:60px auto 0;padding-top:20px;border-top:1px solid #2e3b36;display:flex;justify-content:space-between;font-size:.76rem;color:#899a93}.mobile-actions{display:none}.page-hero{min-height:600px}.page-hero-copy{position:relative;z-index:2;width:var(--wrap);margin:auto;padding-top:250px;max-width:1180px}.page-hero-copy h1{max-width:850px}.page-hero-copy p:last-child{font-size:1.15rem;max-width:680px}.intro{padding-block:85px 55px}.prose{max-width:850px}.prose .lede{font:500 clamp(1.3rem,2.5vw,2rem)/1.45 var(--display)}.notice{background:#e4efeb;border-left:4px solid var(--aqua);padding:22px 25px;margin-top:35px}.notice.warning{background:#fff0ea;border-color:var(--coral)}.card-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:22px;padding-bottom:120px}.media-card{background:#fff}.media-card img{width:100%;height:360px}.media-card>div{padding:30px}.media-card p{color:var(--muted)}.question-band{background:var(--aqua-dark);color:#fff;padding:95px 0}.question-band>.wrap{display:grid;grid-template-columns:.8fr 1.2fr;gap:80px}.question-band ul{columns:2;list-style:none;margin:0;padding:0}.question-band li{break-inside:avoid;padding:14px 0 14px 28px;border-bottom:1px solid rgba(255,255,255,.2);position:relative}.question-band li:before{content:'✓';position:absolute;left:0;color:#78d4c8}.rate-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:1px;background:var(--line);margin-bottom:120px}.rate-grid article{background:#fff;padding:45px}.rate-grid span{color:var(--coral);font-weight:800}.rate-grid h2{font-size:2rem;margin-top:15px}.masonry{columns:3;column-gap:14px;padding:70px 0 120px}.masonry figure{break-inside:avoid;margin:0 0 14px;background:#fff}.masonry img{width:100%;height:auto}.masonry figcaption{padding:12px 16px;font-size:.8rem;color:var(--muted)}.timeline{padding:80px 0 120px}.timeline 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@media(max-width:980px){.primary-nav{display:none;position:absolute;left:0;right:0;top:104px;background:var(--ink);padding:20px;flex-direction:column;align-items:stretch}.primary-nav.open{display:flex}.menu-button{display:block;background:transparent;border:1px solid rgba(255,255,255,.5);color:#fff;padding:10px 14px}.quick-facts{grid-template-columns:repeat(2,1fr)}.split-feature{grid-template-columns:1fr;gap:50px}.feature-grid{grid-template-columns:1fr 1fr}.feature-card.tall{margin-top:0}.feature-grid .feature-card:last-child{grid-column:1/-1}.steps{grid-template-columns:1fr}.footer-grid{grid-template-columns:1.4fr 1fr}.article-grid{grid-template-columns:1fr 1fr}.question-band>.wrap{grid-template-columns:1fr}.masonry{columns:2}}
@media(max-width:640px){:root{--wrap:calc(100% - 28px)}body{font-size:15px}.header-inner{height:82px;max-width:100%}.brand img{width:140px}.menu-button{flex:0 0 auto}.primary-nav{top:82px}.hero{min-height:720px}.hero-copy{padding-top:190px}.hero-copy h1,.page-hero-copy h1,.text-hero h1{font-size:clamp(2.6rem,13vw,3.35rem);letter-spacing:-.045em;max-width:100%}.hero-copy>p:not(.eyebrow){font-size:1rem}.button-row{align-items:stretch;flex-direction:column;max-width:310px}.photo-note{left:14px;right:14px}.quick-facts{grid-template-columns:1fr;margin-top:0;width:100%;box-shadow:none}.quick-facts a{padding:22px 28px;border-right:0;border-bottom:1px solid var(--line)}.split-feature{padding-block:85px}.image-stack{grid-template-columns:1fr}.image-stack picture:first-child img{height:420px}.image-stack picture:last-child{width:65%;margin:-80px -8px 0 auto;border:7px solid var(--paper)}.dark-section,.planning,.guide-preview{padding-block:85px}.feature-grid,.article-grid,.card-grid,.rate-grid{grid-template-columns:1fr}.feature-card,.feature-card.tall{min-height:390px}.gallery-strip{height:auto;grid-template-columns:1fr 1fr}.gallery-strip picture,.gallery-strip img{height:250px}.footer-grid{grid-template-columns:1fr;gap:35px}.footer-bottom{display:block}.mobile-actions{display:grid;grid-template-columns:1fr 1fr;position:fixed;z-index:30;bottom:0;left:0;right:0}.mobile-actions a{background:var(--coral);color:#fff;padding:13px 8px;text-align:center;text-transform:uppercase;font-size:.66rem;font-weight:800;letter-spacing:.06em;white-space:nowrap}.mobile-actions a:last-child{background:var(--aqua)}.page-hero{min-height:540px}.page-hero-copy{padding-top:210px}.media-card img{height:280px}.question-band ul{columns:1}.masonry{columns:1}.timeline article{grid-template-columns:60px 1fr}.text-hero{padding:160px 0 70px}}

.guide-list{padding-bottom:130px}.guide-card{display:grid;grid-template-columns:minmax(300px,.8fr) 1.2fr;gap:50px;padding:34px 0;border-top:1px solid var(--line);align-items:center}.guide-card-image img{width:100%;height:320px}.guide-card h2{font-size:clamp(2rem,3vw,3.1rem)}.guide-card p{color:var(--muted)}.guide-card .tag{color:var(--coral)}.guide-meta{font-size:.78rem;text-transform:uppercase;letter-spacing:.08em}.article-header{background:var(--ink);color:#fff;padding:185px 0 90px}.article-header-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:75px;align-items:center}.breadcrumbs{display:flex;gap:9px;font-size:.78rem;color:#aebdb7;margin-bottom:45px}.article-header h1{font-size:clamp(3.3rem,6vw,6rem)}.article-dek{font-size:1.15rem;color:#c6d0cc;max-width:720px}.article-byline{display:flex;flex-wrap:wrap;gap:10px 22px;margin-top:35px;font-size:.77rem;text-transform:uppercase;letter-spacing:.06em;color:#aebdb7}.article-byline a{text-decoration:underline}.article-header-image img{width:100%;height:520px}.article-header-image small{display:block;color:#9fb0a9;margin-top:10px}.article-layout{display:grid;grid-template-columns:minmax(0,760px) 260px;gap:90px;align-items:start;padding-block:95px}.article-content{font-size:1.07rem}.article-content .lede{font:500 1.7rem/1.5 var(--display);color:var(--ink)}.article-content h2{font-size:2.25rem;margin-top:1.8em}.article-content h3{margin-top:1.6em}.article-content p,.article-content li{color:#35423d}.article-content a{color:var(--aqua);text-decoration:underline;text-underline-offset:3px}.article-content ul,.article-content ol{padding-left:1.3em}.article-figure{margin:55px 0}.article-figure img{width:100%;max-height:560px}.article-figure figcaption{font-size:.8rem;color:var(--muted);padding-top:11px}.source-list{font-size:.88rem;border-top:1px solid var(--line);padding-top:20px}.example{margin:35px 0;padding:28px 32px;background:#fff;border-left:4px solid var(--coral);font:500 1.12rem/1.65 var(--display)}.article-aside{position:sticky;top:25px}.article-aside>div{border-top:4px solid var(--aqua);background:#fff;padding:27px}.article-aside a{display:block;padding:11px 0;border-bottom:1px solid var(--line);font-weight:700}.article-next{background:var(--aqua-dark);color:#fff;padding:90px 0}.article-next .wrap{max-width:900px}.article-next p:not(.eyebrow){color:#c7d9d3;max-width:680px}
@media(max-width:900px){.guide-card,.article-header-grid{grid-template-columns:1fr}.article-header-image{order:-1}.article-header-image img{height:380px}.article-layout{grid-template-columns:1fr}.article-aside{position:static}.article-aside>div{display:grid;grid-template-columns:1fr 1fr;gap:0 25px}}
@media(max-width:640px){.guide-card{grid-template-columns:1fr;gap:24px}.guide-card-image img{height:250px}.article-header{padding:125px 0 65px}.article-header-image img{height:280px}.article-header h1{font-size:2.75rem}.article-dek{font-size:1rem}.article-layout{padding-block:65px}.article-content{font-size:1rem}.article-content .lede{font-size:1.4rem}.article-content h2{font-size:1.9rem}.article-aside>div{grid-template-columns:1fr}.article-next{padding:70px 0}}

.quote-builder{background:#e4efeb;padding:110px 0}.quote-builder-grid{display:grid;grid-template-columns:.75fr 1.25fr;gap:80px;align-items:start}.quote-form{background:#fff;padding:38px;box-shadow:var(--shadow)}.quote-form label{display:grid;gap:7px;margin-bottom:20px;font-size:.78rem;font-weight:800;text-transform:uppercase;letter-spacing:.06em}.field-grid{display:grid;grid-template-columns:1fr 1fr;gap:0 18px}.quote-form input,.quote-form select,.quote-form textarea{width:100%;border:1px solid #aab6b0;background:#fff;color:var(--ink);font:400 1rem/1.45 var(--sans);padding:12px;text-transform:none;letter-spacing:normal}.quote-form input:focus,.quote-form select:focus,.quote-form textarea:focus{outline:3px solid rgba(12,119,116,.25);border-color:var(--aqua)}.quote-form .button{border:0;cursor:pointer;margin-right:8px}.quote-form .button:disabled{opacity:.45;cursor:not-allowed}.quote-output-label{margin-top:28px}.quote-output{white-space:pre-wrap}.quote-form .status{min-height:1.5em;margin-top:12px}.quote-form .button-primary{background:var(--aqua-dark)}
@media(max-width:800px){.quote-builder-grid{grid-template-columns:1fr;gap:40px}.quote-builder{padding:80px 0}}
@media(max-width:520px){.quote-form{padding:24px}.field-grid{grid-template-columns:1fr}}

.current-rates{padding-bottom:110px}.current-rates .section-heading p:not(.eyebrow){color:var(--muted)}.current-rates a{text-decoration:underline;color:var(--aqua-dark)}.rate-snapshot-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.rate-snapshot-grid article{background:#fff;padding:32px;border-top:4px solid var(--aqua)}.rate-value{font:600 1.45rem var(--display);color:var(--aqua-dark)}.source-note{margin-top:25px;color:var(--muted);font-size:.86rem}.operator-contact{background:var(--aqua-dark);color:#fff;padding:90px 0}.operator-contact-grid{display:grid;grid-template-columns:1fr .8fr;gap:80px;align-items:start}.operator-contact-grid>div:first-child>p:not(.eyebrow){color:#c8d9d3}.operator-contact-card{background:#fff;color:var(--ink);padding:35px}.operator-contact-card a:not(.button){color:var(--aqua-dark);text-decoration:underline;font-weight:800}.operator-contact-card small{display:block;color:var(--muted);margin-top:20px}.operator-contact-card .button{text-decoration:none;color:#fff}
@media(max-width:800px){.rate-snapshot-grid,.operator-contact-grid{grid-template-columns:1fr}.operator-contact-grid{gap:35px}}