/* Homepage layout and shared public header and footer. */
:is(body.home-reference,body.site-interior){--ref-cream:#f3f0e5;--ref-dark:#2c3422;--ref-lime:#e7f449;--ref-ink:#171d16}
body.home-reference{background:#fff;color:var(--ref-ink);font-family:'Plus Jakarta Sans',sans-serif!important;overflow-x:clip}
.home-reference h1,.home-reference h2,.home-reference h3,.home-reference h4,.home-reference h1 *,.home-reference h2 *,.home-reference h3 *{font-family:'Plus Jakarta Sans',sans-serif!important;color:inherit;letter-spacing:-.045em;font-weight:500}
.home-reference p{line-height:1.7}.home-reference button,.home-reference a{-webkit-tap-highlight-color:transparent}.home-reference button{cursor:pointer}.home-reference :focus-visible{outline:2px solid #7c8718;outline-offset:5px}.home-reference .ref-container{width:min(1160px,86%);margin:auto}.home-reference .ref-section{padding:110px 0}.home-reference h2{font-size:clamp(30px,3.5vw,48px);line-height:1.15;margin:0 0 24px}.home-reference h3{font-size:21px;line-height:1.35}.home-reference .ref-eyebrow{display:block;font-size:10px;text-transform:uppercase;letter-spacing:.16em;font-weight:700;margin-bottom:20px}.home-reference .ref-section-head{display:flex;justify-content:space-between;gap:24px;align-items:end;margin-bottom:45px}.home-reference .ref-section-head h2{margin:0}.home-reference .ref-controls{display:flex;gap:8px}.home-reference .ref-controls button{display:grid;place-items:center;padding:0;background:var(--ref-lime);color:var(--ref-ink);border:0;width:40px;height:40px;border-radius:4px;transition:background .2s}.home-reference .ref-controls button:hover{background:#d8e62b}.home-reference .ref-pill,.home-reference .hero-home-primary{display:inline-flex;align-items:center;gap:22px;background:var(--ref-lime)!important;border:0!important;color:var(--ref-ink)!important;border-radius:40px;padding:7px 7px 7px 20px;min-height:44px;font-size:12px;font-weight:600;text-decoration:none;width:max-content}.home-reference .ref-pill>span,.home-reference .hero-home-primary svg{background:var(--ref-ink);color:#fff;border-radius:50%;width:31px;height:31px;padding:7px;font-size:18px;line-height:17px;transition:transform .25s}.home-reference .ref-pill:hover>span,.home-reference .hero-home-primary:hover svg{transform:rotate(45deg)}.home-reference .ref-text-link{display:inline-flex;gap:18px;align-items:center;border:0;border-bottom:1px solid #a4a797;border-radius:0;padding:0 0 4px;background:none;color:inherit;font-size:13px;text-decoration:none}.home-reference .ref-text-link:hover{color:#66720d}
/* Floating navigation */
:is(.home-reference,.site-interior) .site-header{position:fixed!important;top:22px!important;left:4%;right:4%;width:auto;height:66px;z-index:1000;background:#fff!important;border:0;border-radius:50px;box-shadow:0 4px 24px #171d1609;transition:top .32s ease,left .32s ease,right .32s ease,border-radius .32s ease,box-shadow .32s ease}:is(.home-reference,.site-interior) .header-bar{height:66px;max-width:none;background:transparent;border-radius:50px;padding:0 8px 0 20px;display:flex;align-items:center;gap:14px}:is(.home-reference,.site-interior) .brand-block{padding:0!important;min-height:0!important;flex:0 0 auto;background:transparent!important;gap:8px}:is(.home-reference,.site-interior) .brand-emblem-img{width:32px;height:36px;object-fit:contain}:is(.home-reference,.site-interior) .brand-heading{font-size:17px!important;letter-spacing:.04em!important;line-height:1.3}:is(.home-reference,.site-interior) .brand-subheading{font-size:7px!important;letter-spacing:.16em!important}:is(.home-reference,.site-interior) .nav-bar-menu{margin-left:auto;padding:0!important;gap:22px;height:100%;justify-content:center}:is(.home-reference,.site-interior) .nav-bar-item{font-size:10px!important;letter-spacing:0!important;font-weight:500;color:var(--ref-ink)!important;padding:0!important}:is(.home-reference,.site-interior) .nav-bar-item>svg:not(.nav-dropdown-chevron){display:none}:is(.home-reference,.site-interior) .nav-bar-item.active{color:#6a7626!important}:is(.home-reference,.site-interior) .nav-bar-item:after{display:none}:is(.home-reference,.site-interior) .nav-bar-actions{height:auto;gap:6px;border:0;margin:0;background:none}:is(.home-reference,.site-interior) .search-action-btn{height:38px;width:38px;min-width:38px;background:none;border:0}:is(.home-reference,.site-interior) .phone-desk-block{display:none}:is(.home-reference,.site-interior) .ref-nav-cta{border:0;background:var(--ref-ink);color:#fff;border-radius:40px;padding:6px 6px 6px 16px;font-size:10px;white-space:nowrap;display:flex;align-items:center;gap:20px;order:3}:is(.home-reference,.site-interior) .ref-nav-cta span{background:#fff;color:var(--ref-ink);border-radius:50%;width:30px;height:30px;display:grid;place-items:center;font-size:19px}:is(.home-reference,.site-interior) .hamburger-action-btn{width:38px;min-width:38px;height:38px;background:none!important;border:0}:is(.home-reference,.site-interior) .hamburger-line{background:var(--ref-ink)}.home-reference .scroll-progress-bar{display:none}:is(.home-reference,.site-interior) .nav-dropdown-menu{top:calc(100% + 14px);border-radius:10px}:is(.home-reference,.site-interior) .site-header.is-scrolled{top:0!important;right:0;left:0;border-radius:0;box-shadow:0 5px 30px #171d1615}
/* Split hero, powered by the existing CMS */
.home-reference .ref-hero{min-height:760px;height:auto;display:grid;grid-template-columns:1.05fr 1fr;gap:0;background:var(--ref-cream)!important;padding:0 2.5% 55px 5.5%;position:relative;isolation:isolate;overflow:hidden}.home-reference .hero-home-copy{background:transparent!important;padding:165px 50px 42px 0!important;display:flex;flex-direction:column;justify-content:center;min-width:0;z-index:2}.home-reference .hero-home-stories{position:relative;display:grid;min-height:380px}.home-reference .hero-home-story{grid-area:1/1;position:relative!important;inset:auto;display:block;opacity:0;visibility:hidden;transform:translateY(8px);transition:opacity .5s ease,transform .5s ease,visibility .5s;width:auto;max-width:620px}.home-reference .hero-home-story.is-active{opacity:1;visibility:visible;transform:none}.home-reference .hero-home-eyebrow{font-size:10px;letter-spacing:0;text-transform:none;color:var(--ref-ink)!important;background:#fff;padding:6px 12px;display:inline-block;font-weight:500;margin:0 0 24px;line-height:1.5}.home-reference .hero-home-eyebrow:before{display:none}.home-reference .hero-home-story h1,.home-reference .hero-home-story h2{font-size:clamp(38px,4.1vw,65px)!important;line-height:1.12;font-weight:500;margin:0 0 32px;max-width:650px;color:var(--ref-ink)!important;letter-spacing:-.055em}.home-reference .hero-home-story h1 span,.home-reference .hero-home-story h2 span{color:inherit!important;font-style:normal}.home-reference .hero-home-story>p{color:#4a4d44!important;font-size:14px;line-height:1.7;max-width:480px;margin:0 0 30px}.home-reference .hero-home-actions{display:flex;align-items:center;gap:18px;flex-wrap:wrap}.home-reference .hero-home-secondary{color:#4b5144!important;font-size:11px;font-weight:500;gap:8px}.home-reference .ref-hero-foot{display:flex;align-items:center;gap:20px;font-size:9px;color:#777d6e;margin-top:30px;letter-spacing:.02em}.home-reference .hero-home-dots{display:flex;gap:6px;position:static}.home-reference .hero-home-dot{width:6px;height:6px;min-width:6px;padding:0;border:0;background:#c4c7b8;border-radius:10px;transition:width .3s}.home-reference .hero-home-dot.is-active{width:22px;background:var(--ref-dark)}.home-reference .ref-hero-media{position:relative;min-height:calc(705px - var(--ref-hero-image-offset,0px))}.home-reference .hero-home-visual{height:100%;width:100%;position:absolute;inset:0;border-radius:0 0 8px 8px;overflow:hidden;background:#d9d8ce;min-height:0;aspect-ratio:auto}.home-reference .hero-home-visual:after{content:'';position:absolute;inset:0;background:linear-gradient(0deg,#1a241344,transparent 60%);pointer-events:none}.home-reference .hero-home-photo{position:absolute;inset:0;object-fit:cover;object-position:center;width:100%;height:100%;opacity:0;transform:scale(1.025);transition:opacity .7s,transform 4s}.home-reference .hero-home-photo.is-active{opacity:1;transform:scale(1)}.home-reference .ref-float{position:absolute;z-index:3;background:#fff;border-radius:8px;padding:14px 18px;display:flex;align-items:center;gap:12px;font-size:10px;line-height:1.8;box-shadow:0 6px 30px #171d160c}.home-reference .ref-float strong{font-weight:600}.home-reference .ref-float-one{left:8%;bottom:29%}.home-reference .ref-float-two{right:5%;bottom:7%}.home-reference .ref-round{position:absolute;z-index:4;background:var(--ref-lime);width:85px;height:85px;left:21%;bottom:12%;border-radius:50%;display:flex;align-items:center;justify-content:center;flex-direction:column;gap:5px;font-size:9px}.home-reference .ref-round:before{content:'';position:absolute;width:110px;height:125px;border:1px dashed #ffffff99;left:42px;bottom:42px;z-index:-1;border-left:0;border-bottom:0}
/* Practice image cards */
.home-reference .ref-card-track{display:flex;gap:28px;overflow-x:auto;scroll-snap-type:x mandatory;scrollbar-width:none;padding-bottom:8px}.home-reference .ref-card-track::-webkit-scrollbar{display:none}.home-reference .ref-practice-card{flex:0 0 calc((100% - 56px)/3);scroll-snap-align:start;min-width:0}.home-reference .ref-practice-photo{height:340px;display:block;position:relative;overflow:hidden;border-radius:7px;background:#e5e5dc}.home-reference .ref-practice-photo img{width:100%;height:100%;object-fit:cover;transition:transform .7s cubic-bezier(.2,.7,.2,1)}.home-reference .ref-practice-photo:hover img{transform:scale(1.04)}.home-reference .ref-practice-photo>span{position:absolute;bottom:20px;left:20px;background:#ffffffee;border-radius:50%;width:45px;height:45px;display:grid;place-items:center}.home-reference .ref-practice-card h3{font-size:17px;margin:20px 0 8px;letter-spacing:-.03em}.home-reference .ref-practice-card p{font-size:12px;color:#60645a;margin:0 0 24px;min-height:42px}
/* Quiet, factual proof points */
.home-reference .ref-trust{background:var(--ref-dark);color:#fff;padding:100px 0}.home-reference .ref-trust-grid{display:grid;grid-template-columns:1fr 1.1fr;gap:100px;align-items:center}.home-reference .ref-trust h2{font-size:37px}.home-reference .ref-trust .ref-eyebrow{color:#c9cfb9}.home-reference .ref-trust p{font-size:13px;line-height:1.8;color:#d2d6c9;margin-bottom:28px;max-width:410px}.home-reference .ref-stats{display:grid;grid-template-columns:1fr 1fr;gap:48px 42px}.home-reference .ref-stats>div{border-left:1px solid #a4b327;padding-left:20px}.home-reference .ref-stats strong{font-size:36px;line-height:1.2;letter-spacing:-.045em;font-weight:500}.home-reference .ref-stats h3{font-size:11px;margin:14px 0 8px;letter-spacing:0}.home-reference .ref-stats p{font-size:11px;margin:0;color:#bec4b2}
/* Process: generous editorial image rows */
.home-reference .ref-centered{text-align:center;margin:0 auto 65px;max-width:650px}.home-reference .ref-process-row{display:grid;grid-template-columns:.8fr 1.45fr;gap:65px;align-items:center;margin-bottom:75px}.home-reference .ref-process-row:last-child{margin:0}.home-reference .ref-process-copy{max-width:350px}.home-reference .ref-step{display:grid;place-items:center;width:32px;height:32px;font-size:11px;background:var(--ref-lime);border-radius:50%;margin-bottom:22px}.home-reference .ref-process-copy h3{font-size:25px;margin:0 0 20px}.home-reference .ref-process-copy p{font-size:13px;color:#62665d;margin:0 0 25px}.home-reference .ref-process-image{height:390px;border-radius:8px;overflow:hidden;position:relative}.home-reference .ref-process-image>img{width:100%;height:100%;object-fit:cover}.home-reference .ref-process-image:after{content:'';position:absolute;inset:0;background:linear-gradient(0deg,#141d1255,transparent 70%)}.home-reference .ref-process-overlay{position:absolute;z-index:2;bottom:30px;left:30px;right:30px;padding:20px;display:flex;align-items:center;gap:15px;background:#fffffff2;border-radius:9px;font-size:10px}.home-reference .ref-process-overlay strong{display:block;font-size:13px;margin-top:4px}.home-reference .ref-status-dot{width:9px;height:9px;background:#8eaa1c;border-radius:50%;margin-left:auto}
.home-reference .ref-support{background:var(--ref-cream);border-radius:10px;padding:65px;display:grid;grid-template-columns:1.2fr 1fr;gap:65px;align-items:center;margin-bottom:100px}.home-reference .ref-support-wall{min-width:0}
.home-reference .ref-support-cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:15px}.home-reference .ref-support-cards button{display:flex;flex-direction:column;text-align:left;border:0;background:#ffffffd9;border-radius:8px;padding:22px 16px;min-height:155px;transition:transform .25s,background .25s}.home-reference .ref-support-cards button:hover{background:#fff;transform:translateY(-4px)}.home-reference .ref-support-cards svg{color:#7e902b;margin-bottom:25px}.home-reference .ref-support-cards strong{font-size:11px;font-weight:600;line-height:1.5}.home-reference .ref-support-cards span{font-size:9px;color:#74786c;margin-top:8px;line-height:1.6}.home-reference .ref-support-copy h2{font-size:38px}.home-reference .ref-support-copy p{font-size:12px;color:#60665b;margin-bottom:24px}
/* Existing interactive calculator, restyled for this version */
body.home-reference main>.section-calculator{background:#fff!important;border:0;padding:clamp(44px,7vw,100px) 0 100px}.home-reference #payout-calculator .container{width:min(1080px,86%);max-width:none;padding:0}.home-reference #payout-calculator .calc-sec-title{font-size:40px;font-weight:500}.home-reference #payout-calculator .calc-corporate-frame{border:1px solid #e6e8df;box-shadow:none;border-radius:10px;overflow:hidden}.home-reference #payout-calculator .calc-input-panel{background:var(--ref-cream)!important}.home-reference #payout-calculator .calc-ledger-panel{background:var(--ref-dark)!important;color:#fff;border:0}.home-reference #payout-calculator .calc-ledger-panel *{color:inherit}.home-reference #payout-calculator .calc-ledger-panel .calc-payout-desc,.home-reference #payout-calculator .calc-result-note,.home-reference #payout-calculator .calc-payout-label{color:#c8cfba}.home-reference #payout-calculator .calc-ring-keep{stroke:var(--ref-lime)}.home-reference #payout-calculator .calc-ring-fee{stroke:#5b654c}.home-reference #payout-calculator .calc-big-payout{font-family:'Plus Jakarta Sans',sans-serif!important;font-size:38px;font-weight:500}.home-reference #payout-calculator .calc-breakdown-row{border-color:#ffffff21}.home-reference #payout-calculator .btn-calc-submit{background:var(--ref-lime)!important;color:var(--ref-ink)!important;border:0;border-radius:30px}.home-reference #payout-calculator .calc-preset-indicator{background:var(--ref-dark)}.home-reference #payout-calculator .calc-fixed-fees{background:none;border-color:#d7daca}.home-reference #payout-calculator .calc-statutory-strip{border-color:#d7daca}.home-reference #payout-calculator .calc-range-control input{accent-color:var(--ref-dark)}
/* Database-backed articles */
body.home-reference main>.home-blog{background:var(--ref-cream)!important;border:0;padding:90px 0}.home-reference .home-blog-track{display:flex!important;gap:25px;width:100%;overflow-x:auto;scroll-snap-type:x mandatory;scrollbar-width:none;margin:0 0 30px;padding:0;background:none;height:auto}.home-reference .home-blog-card,.home-reference .home-blog-card.is-active{position:relative;flex:0 0 calc((100% - 50px)/3)!important;width:auto!important;max-width:none;min-width:0;display:flex;flex-direction:column;height:auto!important;overflow:visible;border:0!important;border-radius:0;background:none!important;scroll-snap-align:start;color:var(--ref-ink)!important;padding:0;transform:none!important}.home-reference .home-blog-card:before,.home-reference .home-blog-card:after{display:none}.home-reference .home-blog-card-top{position:static;display:flex;justify-content:space-between;order:2;margin:18px 0 10px;padding:0;font-size:9px;letter-spacing:.03em;color:#6f765d!important}.home-reference .home-blog-image-link{position:static;display:block;width:100%;height:240px;overflow:hidden;border-radius:7px;order:1}.home-reference .home-blog-image{position:static;width:100%;height:100%;object-fit:cover;filter:none!important;transform:none!important;opacity:1!important;transition:transform .6s}.home-reference .home-blog-image-link:hover img{transform:scale(1.04)!important}.home-reference .home-blog-content{position:static;inset:auto;order:3;padding:0!important;opacity:1!important;transform:none!important;visibility:visible!important;width:auto;display:block!important;pointer-events:auto}.home-reference .home-blog-content h3{font-size:18px!important;margin:0 0 14px;line-height:1.4;max-width:none}.home-reference .home-blog-content h3 a{color:inherit!important}.home-reference .home-blog-meta{display:flex;flex-wrap:wrap;gap:5px;font-size:9px;color:#777d70;margin:0 0 12px}.home-reference .home-blog-meta svg{width:12px;height:12px}.home-reference .home-blog-excerpt{display:-webkit-box!important;-webkit-line-clamp:2;-webkit-box-orient:vertical;overflow:hidden;opacity:1!important;height:auto;color:#60665a;font-size:12px;margin:0 0 20px}.home-reference .home-blog-read-more{position:static;opacity:1!important;display:inline-flex!important;gap:25px;font-size:11px;color:inherit;border-bottom:1px solid #929983;padding-bottom:5px;transform:none!important}.home-reference .home-blog-toggle{display:none!important}
/* Callback and footer */
body.home-reference main>.callback-section{border:0;background:#fff!important;padding:95px 0}.home-reference .callback-section .container{width:min(1080px,86%);padding:0;max-width:none}.home-reference .callback-heading h2{font-size:38px}.home-reference .callback-layout{border:0;border-radius:10px;overflow:hidden;background:var(--ref-cream)}.home-reference .callback-contact-panel{background:var(--ref-cream)}.home-reference .callback-contact-panel:after,.home-reference .callback-contact-panel:before{display:none}.home-reference .callback-contact{background:white;border-radius:7px}.home-reference .callback-contact-icon{background:var(--ref-dark)}.home-reference .callback-form-panel{background:#fafbf7}.home-reference .callback-policy input:checked+span{background:var(--ref-dark);border-color:var(--ref-dark)}.home-reference .callback-submit-row button{background:var(--ref-dark);border-radius:30px;font-size:11px}.home-reference .callback-fields input,.home-reference .callback-form textarea{background:white;border-color:#e0e3d8}.home-reference .ref-footer{background:#151b11;color:#fff;padding:80px 0 0;overflow:hidden}.home-reference .ref-footer-top{display:flex;align-items:center;justify-content:space-between;padding-bottom:65px;border-bottom:1px solid #ffffff13}.home-reference .ref-footer-top h2{max-width:650px;font-size:44px;margin:0}.home-reference .ref-footer-circle{background:var(--ref-lime);color:var(--ref-ink);border:0;border-radius:50%;width:105px;height:105px;font-size:13px;transform:rotate(-15deg);transition:transform .3s}.home-reference .ref-footer-circle:hover{transform:rotate(0)}.home-reference .ref-footer-links{display:grid;grid-template-columns:1.6fr 1fr 1fr;gap:60px;padding:60px 0 30px}.home-reference .ref-footer-links h3{font-size:13px;margin:0 0 25px;letter-spacing:0;color:#fff}.home-reference .ref-footer-links a,.home-reference .ref-footer-links button{display:block;color:#c0c5b8;margin:0 0 14px;font-size:11px;text-decoration:none;background:none;padding:0;border:0;line-height:1.7}.home-reference .ref-footer-links a:hover,.home-reference .ref-footer-links button:hover{color:var(--ref-lime)}.home-reference .ref-footer-links .ref-footer-brand{font-size:20px;font-weight:700;letter-spacing:.06em;color:#fff}.home-reference .ref-footer-links p{color:#a7ae9b;font-size:12px;margin-bottom:24px}.home-reference .ref-disclaimer{font-size:9px;color:#8b947d;max-width:800px}.home-reference .ref-footer-bottom{display:flex;justify-content:space-between;font-size:9px;color:#9ba58d;padding:20px 0}.home-reference .ref-wordmark{font-size:clamp(70px,12vw,190px);letter-spacing:-.07em;font-weight:700;color:#e7f4490b;line-height:1.1;white-space:nowrap;margin-bottom:-.17em}
@media(min-width:1600px){.home-reference .ref-hero{padding-left:max(5.5%,calc((100vw - 1500px)/2))}.home-reference .ref-hero-media{min-height:calc(790px - var(--ref-hero-image-offset,0px))}.home-reference .hero-home-copy{padding-top:180px}.home-reference .hero-home-stories{min-height:420px}.home-reference .hero-home-story h1,.home-reference .hero-home-story h2{font-size:72px!important}}
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 .home-reference .ref-document h4{font-size:22px}
 .home-reference .ref-document-check{font-size:12px;padding:7px 0}
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 .home-reference .ref-support-cards button{min-height:185px;padding:18px 14px}
 .home-reference .ref-support-cards strong{font-size:15px}
 .home-reference .ref-support-cards span{font-size:13px}
 
 .home-reference .ref-plan-top{flex-direction:column;gap:20px}
 .home-reference .ref-plan-top small{font-size:13px;max-width:none}
 .home-reference .ref-plan-top h3{gap:12px;flex-wrap:wrap}
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 .home-reference .ref-plan-includes ul{grid-template-columns:1fr}
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 .home-reference .home-blog-content h3{font-size:22px!important}
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 .home-reference .ref-footer-links a,.home-reference .ref-footer-links button,.home-reference .ref-footer-links p{font-size:14px;overflow-wrap:anywhere}
}
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.home-reference .ref-blog-intro{font-size:16px;line-height:1.7;max-width:640px;margin:18px 0 0;color:#60665a}
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 background:linear-gradient(180deg,rgba(255,255,255,.5),rgba(255,255,255,.08)),rgba(72,86,57,.17);
 -webkit-backdrop-filter:blur(24px) saturate(135%);
 backdrop-filter:blur(24px) saturate(135%);
 border-block:1px solid rgba(48,58,39,.12);
 box-shadow:inset 0 1px 0 rgba(255,255,255,.72),inset 0 -1px 0 rgba(255,255,255,.35);
}
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.home-reference .rights-ticker :is(.marquee-badge-title,.capsule-tag,.capsule-text){color:#20291b}
.home-reference .rights-ticker .marquee-capsule{border-right-color:rgba(48,58,39,.22)}
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/* A complete, visible three-part trust section. */
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.home-reference .ref-confidence-intro p{font-size:16px;line-height:1.75;color:#59634d;margin:0 0 21px}
.home-reference .ref-confidence-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:24px}
.home-reference .ref-confidence-card{background:#fff;border:1px solid #dee3d4;border-radius:10px;overflow:hidden;display:flex;flex-direction:column;transition:transform .3s ease}
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.home-reference .ref-confidence-media{height:210px;position:relative;overflow:hidden;background:#c9cebd}
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.home-reference .ref-confidence-card:nth-child(2) .ref-confidence-icon{border-color:var(--ref-dark)}
.home-reference .ref-confidence-card:nth-child(2) p{color:#d5ddca}
@media(max-width:1024px){.home-reference .ref-confidence-heading{gap:35px}.home-reference .ref-confidence-grid{gap:16px}.home-reference .ref-confidence-copy{padding:0 20px 25px}.home-reference .ref-confidence-copy h3{font-size:22px}.home-reference .ref-confidence-media{height:185px}}
@media(max-width:768px){.home-reference .ref-confidence{padding:60px 0}.home-reference .ref-confidence-heading{grid-template-columns:1fr;gap:23px;margin-bottom:32px}.home-reference .ref-confidence-heading h2{font-size:32px}.home-reference .ref-confidence-intro{max-width:none;padding:0}.home-reference .ref-confidence-grid{grid-template-columns:1fr;gap:24px}.home-reference .ref-confidence-media{height:220px}.home-reference .ref-confidence-copy{padding:0 24px 28px}.home-reference .ref-confidence-copy h3{font-size:24px}.home-reference .ref-confidence-copy p{font-size:16px}.home-reference .ref-confidence-card:hover{transform:none}}
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/* Homepage footer: clear contact and navigation hierarchy. */
:is(.home-reference,.site-interior) .home-footer{background:#151b11;color:#f6f8f0;padding:0;overflow:hidden}
:is(.home-reference,.site-interior) .home-footer-invitation{padding:65px 0 55px;display:flex;align-items:center;justify-content:space-between;gap:40px;border-bottom:1px solid #ffffff20}
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:is(.home-reference,.site-interior) .home-footer-grid h3{font-size:16px;font-weight:600;letter-spacing:0;color:#f6f8f0;margin:0 0 24px}
:is(.home-reference,.site-interior) .home-footer-brand{display:flex;align-items:center;gap:10px;color:#fff;text-decoration:none;width:max-content;max-width:100%}
:is(.home-reference,.site-interior) .home-footer-brand img{width:37px;height:44px;object-fit:contain}
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:is(.home-reference,.site-interior) .home-footer-contact-link{display:flex;align-items:center;gap:12px;color:#e7eddf;text-decoration:none;padding-bottom:15px;margin-bottom:15px;border-bottom:1px solid #ffffff16;min-width:0}
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:is(.home-reference,.site-interior) .home-footer-contact-link>span:nth-child(2){min-width:0;flex:1}
:is(.home-reference,.site-interior) .home-footer-contact-link small{display:block;color:#9da992;font-size:11px;margin-bottom:4px}
:is(.home-reference,.site-interior) .home-footer-contact-link strong{font-size:13px;font-weight:500;display:block;overflow-wrap:anywhere;line-height:1.6}
:is(.home-reference,.site-interior) .home-footer-contact-link>svg{width:14px;height:14px;color:#8c9b79;flex-shrink:0}
:is(.home-reference,.site-interior) .home-footer-hours{display:flex;align-items:flex-start;gap:8px;font-size:11px;line-height:1.7;color:#9caa8e;margin:18px 0 0}
:is(.home-reference,.site-interior) .home-footer-hours svg{width:15px;height:15px;flex-shrink:0;margin-top:2px}
:is(.home-reference,.site-interior) .home-footer-disclaimer{display:flex;align-items:flex-start;gap:12px;border-top:1px solid #ffffff19;padding:22px 0;color:#96a488}
:is(.home-reference,.site-interior) .home-footer-disclaimer>svg{flex-shrink:0;margin-top:2px;color:#b3bf93;width:18px;height:18px}
:is(.home-reference,.site-interior) .home-footer-disclaimer p{margin:0;font-size:12px;line-height:1.8}
:is(.home-reference,.site-interior) .home-footer-disclaimer strong{font-weight:500;color:#c0cbb3}
:is(.home-reference,.site-interior) .home-footer-bottom{display:flex;justify-content:space-between;gap:25px;padding:22px 0 12px;font-size:12px;line-height:1.7;border-top:1px solid #ffffff12;color:#a6b499}
:is(.home-reference,.site-interior) .home-footer-bottom nav{display:flex;gap:24px;flex-wrap:wrap}
:is(.home-reference,.site-interior) .home-footer-bottom a{color:#b7c4a9;text-decoration:none}
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  color:#e7f44924;
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}
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}
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  top:50%;
  height:44px;
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  border-radius:10px;
}
:is(.home-reference,.site-interior) .nav-bar-menu .header-dropdown:is(:hover,:focus-within,.is-open)::before{background:var(--ref-dark)}
:is(.home-reference,.site-interior) .nav-bar-menu .header-dropdown:is(:hover,:focus-within,.is-open)>:is(.nav-bar-item,.header-dropdown-toggle){color:var(--ref-lime)!important}
@media(prefers-reduced-motion:no-preference){
  :is(.home-reference,.site-interior) .nav-bar-menu :is(.nav-bar-item,.header-dropdown-toggle){transition:color .18s ease}
}
/* Equal article cards with aligned text and actions. */
.home-reference .home-blog-card,.home-reference .home-blog-card.is-active{align-self:stretch}
.home-reference .home-blog-image-link{flex:0 0 240px}
.home-reference .home-blog-card-top{min-height:20px;flex-shrink:0}
.home-reference .home-blog-content{display:flex!important;flex-direction:column;flex:1;min-height:0}
.home-reference .home-blog-content h3{line-height:1.4;min-height:4.2em;height:4.2em;overflow:hidden;display:-webkit-box;-webkit-line-clamp:3;-webkit-box-orient:vertical;flex-shrink:0}
.home-reference .home-blog-meta{min-height:40px;align-content:flex-start;align-items:center;flex-shrink:0}
.home-reference .home-blog-excerpt{line-height:1.75;min-height:3.5em;height:3.5em;flex-shrink:0}
.home-reference .home-blog-read-more{margin-top:auto;align-self:flex-start}
@media(max-width:768px){.home-reference .home-blog-image-link{flex-basis:230px}.home-reference .home-blog-meta{min-height:60px}}
.home-reference #latest-blog>.ref-container>.ref-text-link{display:table;width:fit-content;margin:32px auto 0}
/* Compact article titles, with a consistent three-line title area. */
.home-reference #latest-blog .home-blog-content h3{font-size:19px!important;line-height:1.45;letter-spacing:-.02em;min-height:4.35em;height:4.35em;margin-bottom:14px;font-weight:500}
@media(max-width:768px){.home-reference #latest-blog .home-blog-content h3{font-size:18px!important;line-height:1.45}}
.home-reference #latest-blog .home-blog-content h3{display:-webkit-box;-webkit-box-orient:vertical;-webkit-line-clamp:2;line-clamp:2;overflow:hidden;text-overflow:ellipsis;min-height:2.9em;height:2.9em}
/* Compact homepage article summaries without author/read-time metadata. */
.home-reference #latest-blog .home-blog-meta{display:none!important}
.home-reference #latest-blog .home-blog-card-top{margin:14px 0 8px}
.home-reference #latest-blog .home-blog-content h3{margin:0 0 10px}
.home-reference #latest-blog .home-blog-excerpt{margin:0 0 16px;line-height:1.65;min-height:3.3em;height:3.3em}
.home-reference #latest-blog .home-blog-read-more{margin-top:auto}
/* Restrained motion; scroll content stays fully painted at all times. */
@media(prefers-reduced-motion:no-preference){
 .home-reference .ref-pill,.home-reference .hero-home-primary,.home-reference .ref-controls button,:is(.home-reference,.site-interior) .ref-nav-cta,:is(.home-reference,.site-interior) .home-footer-cta,.home-reference .callback-submit-row button{transition:background-color .25s ease,box-shadow .25s ease,transform .25s cubic-bezier(.22,1,.36,1)}
 .home-reference .ref-pill:hover,.home-reference .hero-home-primary:hover,:is(.home-reference,.site-interior) .ref-nav-cta:hover,:is(.home-reference,.site-interior) .home-footer-cta:hover{transform:translateY(-2px)}
 .home-reference .ref-controls button:active,.home-reference .ref-pill:active,:is(.home-reference,.site-interior) .home-footer-cta:active{transform:translateY(1px)}
 .home-reference .ref-text-link>span,.home-reference .home-blog-read-more>span{display:inline-block;transition:transform .25s ease}
 .home-reference .ref-text-link:hover>span,.home-reference .home-blog-read-more:hover>span{transform:translate(2px,-2px)}
 .home-reference .ref-support-cards button svg{transition:transform .3s ease}
 .home-reference .ref-support-cards button:hover svg{transform:translateY(-3px)}
 .home-reference .callback-fields input,.home-reference .callback-form textarea{transition:border-color .2s ease,background-color .2s ease}
}
.home-reference .ref-stats strong{font-variant-numeric:tabular-nums}
/* Full-width support background, with the existing content column preserved. */
.home-reference .ref-support{border-radius:0;position:relative;isolation:isolate;margin-bottom:0}
.home-reference .ref-support::before{content:'';position:absolute;inset:0;left:calc((100% - 100vw)/2);right:calc((100% - 100vw)/2);background:var(--ref-cream);z-index:-1;pointer-events:none}
.home-reference .hero-home-story>.hero-home-eyebrow{display:none}

@media(min-width:1025px){
 .home-reference .ref-hero-media{--ref-hero-image-offset:108px;margin-top:var(--ref-hero-image-offset)}
 .home-reference .hero-home-visual{border-radius:8px}
}

@media(min-width:1351px){
 :is(.home-reference,.site-interior) .nav-bar-menu{column-gap:clamp(23px,1.8vw,34px)}
}

/* Four steps in one compact timeline. */
.home-reference .ref-section.ref-process{
 padding:clamp(36px,5vw,68px) 0;
 scroll-margin-top:106px;
 background:linear-gradient(160deg,#f5f6ee,#fff 80%);
 border-block:1px solid #e8ebdf;
}
.home-reference .ref-process>.ref-container{display:grid;grid-template-columns:minmax(0,1fr) auto;align-items:end;gap:32px 24px}
.home-reference .ref-process-heading{grid-column:1;grid-row:1;margin:0}
.home-reference .ref-process-heading .ref-eyebrow{margin-bottom:12px}
.home-reference .ref-process-heading h2{margin:0;font-size:clamp(29px,3.2vw,46px);line-height:1.15}
.home-reference .ref-timeline{grid-column:1/-1;position:relative;--timeline-line:#748346}
.home-reference .ref-timeline-rail{position:absolute;inset:19px 0 auto 20px;width:75%;height:2px;background:#d7ddca}
.home-reference .ref-timeline-fill{display:block;height:100%;background:var(--timeline-line);transform-origin:left center}
.home-reference .ref-timeline-cursor{display:none}
.home-reference .ref-timeline-steps{position:relative;display:grid;grid-template-columns:repeat(4,minmax(0,1fr));list-style:none;margin:0;padding:0}
.home-reference .ref-timeline-steps>li{display:flex;flex-direction:column;min-width:0;margin:0;padding-right:18px}
.home-reference .ref-timeline-steps>li:last-child{padding-right:0}
.home-reference .ref-timeline-marker{position:relative;z-index:1;display:grid;place-items:center;width:40px;height:40px;border-radius:50%;border:1px solid #b5c092;background:#f5f6ee;color:#293520;font-size:14px;font-weight:700;margin-bottom:16px}
.home-reference .ref-timeline-steps h3{font-size:clamp(18px,1.6vw,23px);line-height:1.25;margin:0 0 8px}
.home-reference .ref-timeline-steps p{font-size:15px;line-height:1.55;color:#555e4b;margin:0}
.home-reference .ref-process-action{grid-column:2;grid-row:1;display:flex;justify-content:flex-end}
@media(max-width:768px){
 .home-reference .ref-section.ref-process{padding:24px 0;scroll-margin-top:75px}
 .home-reference .ref-process>.ref-container{grid-template-columns:1fr;gap:16px}
 .home-reference .ref-process-heading .ref-eyebrow{margin-bottom:7px}
 .home-reference .ref-process-heading h2{font-size:clamp(23px,6.4vw,29px)}
 .home-reference .ref-timeline-rail{display:none}
 .home-reference .ref-timeline-steps{grid-template-columns:1fr;gap:12px}
 .home-reference .ref-timeline-steps>li{position:relative;display:grid;grid-template-columns:32px minmax(0,1fr);gap:10px;padding:0}
 .home-reference .ref-timeline-steps>li:not(:last-child)::before,.home-reference .ref-timeline-steps>li:not(:last-child)::after{content:'';position:absolute;top:16px;bottom:-28px;left:15px;width:2px;transform-origin:top}
 .home-reference .ref-timeline-steps>li:not(:last-child)::before{background:#d7ddca}
 .home-reference .ref-timeline-steps>li:not(:last-child)::after{background:var(--timeline-line)}
 .home-reference .ref-timeline-marker{width:32px;height:32px;margin:0;font-size:12px}
 .home-reference .ref-timeline-steps h3{margin:1px 0 4px}
 .home-reference .ref-timeline-steps p{font-size:14px;line-height:1.4}
 .home-reference .ref-process-action{grid-column:1;grid-row:3;justify-content:flex-start}
}
@media(prefers-reduced-motion:no-preference){
 .home-reference .ref-timeline-fill{transform:scaleX(var(--timeline-progress,1))}
 .home-reference .ref-timeline.is-drawing .ref-timeline-cursor{
  display:block;position:absolute;z-index:2;pointer-events:none;
  left:calc(20px + 75% * var(--timeline-progress));top:20px;
  width:8px;height:8px;border-radius:50%;background:#5c712a;
  box-shadow:0 0 0 3px #e3edc3,0 0 10px #a8bb73;
  transform:translate(-50%,-50%);
 }
 .home-reference .ref-timeline-marker{transition:background-color .24s ease,border-color .24s ease,color .24s ease,box-shadow .24s ease}
 .home-reference .ref-timeline-steps>.is-reached .ref-timeline-marker{background:#293520;border-color:#293520;color:#fff}
 .home-reference .ref-timeline-steps>.is-current .ref-timeline-marker{background:var(--ref-lime);border-color:#899833;box-shadow:0 0 0 4px #d9e4b4}
 @media(max-width:768px){
  .home-reference .ref-timeline.is-drawing .ref-timeline-cursor{left:16px;top:var(--timeline-cursor-y)}
  .home-reference .ref-timeline-steps>li:nth-child(2){--timeline-index:1}
  .home-reference .ref-timeline-steps>li:nth-child(3){--timeline-index:2}
  .home-reference .ref-timeline-steps>li:not(:last-child)::after{transform:scaleY(clamp(0,calc(var(--timeline-progress,1)*3 - var(--timeline-index,0)),1))}
 }
}

/* Consistent alignment and interaction for homepage buttons. */
.home-reference :is(.ref-pill,.hero-home-primary,.ref-nav-cta,.home-footer-cta,.btn-calc-submit,.review-submit-button),
.home-reference .callback-submit-row>button{
 align-items:center;
 gap:16px;
 line-height:1.25;
 max-width:100%;
}
.home-reference :is(.ref-pill,.ref-nav-cta,.home-footer-cta,.review-submit-button)>span,
.home-reference .callback-submit-row>button>span,
.home-reference .calc-cta-icon{
 display:grid;
 place-items:center;
 flex-shrink:0;
 padding:0;
 line-height:1;
}
.home-reference .hero-home-primary>svg{flex-shrink:0}
.home-reference :is(.ref-pill,.ref-nav-cta,.home-footer-cta,.review-submit-button):hover>span,
.home-reference .hero-home-primary:hover>svg{transform:none}
@media(hover:hover){
 .home-reference button:where(:not(:disabled,[aria-disabled="true"],.header-dropdown-toggle)):hover{background-color:#eef1de}
 .home-reference :is(.ref-pill,.hero-home-primary,.home-footer-cta):hover,
 .home-reference #payout-calculator .btn-calc-submit:hover{
  background:#293520!important;
  color:#fff!important;
 }
 .home-reference :is(.ref-pill,.home-footer-cta):hover>span,
 .home-reference .hero-home-primary:hover>svg,
 .home-reference #payout-calculator .btn-calc-submit:hover .calc-cta-icon{
  background:var(--ref-lime);
  color:#20291b;
 }
 .home-reference :is(.ref-nav-cta,.review-submit-button):enabled:hover,
 .home-reference .callback-submit-row>button:enabled:hover{
  background:#435332;
  color:#fff;
 }
 .home-reference :is(.ref-nav-cta,.review-submit-button):enabled:hover>span,
 .home-reference .callback-submit-row>button:enabled:hover>span{color:#20291b;background:var(--ref-lime)}
 .home-reference .ref-controls button:enabled:hover{background:#cddc86;color:#20291b}
 .home-reference .ref-support-cards button:enabled:hover{background:#f6f8e9}
 .home-reference :is(.ref-text-link,.hero-home-secondary,.home-blog-read-more):hover{color:#526627;border-color:#82974f}
 .home-reference button.ref-text-link:hover,:is(.home-reference,.site-interior) .home-footer-policies>button:hover{background-color:transparent}
 :is(.home-reference,.site-interior) .home-footer-policies>button:hover{color:var(--ref-lime)}
 .home-reference #payout-calculator .calc-preset-grid.is-enhanced .chip-btn:not(.active):hover{background:#e4ebd0;border-color:#899b60;color:#293520}
 .home-reference #payout-calculator .calc-preset-grid.is-enhanced .chip-btn.active:hover{background:#435332;color:#fff}
 .home-reference[data-mobile-site] .article-enquiry-close:hover{background:#435332;border-color:#9aad77}
}
@media(hover:hover) and (prefers-reduced-motion:no-preference){
 .home-reference :is(button,.hero-home-primary,.btn-calc-submit,.ref-text-link,.hero-home-secondary,.home-blog-read-more){
  transition:background-color .22s ease,color .22s ease,border-color .22s ease,box-shadow .22s ease,transform .22s cubic-bezier(.22,1,.36,1);
 }
 .home-reference :is(.ref-pill,.ref-nav-cta,.home-footer-cta,.review-submit-button)>span,
 .home-reference .hero-home-primary>svg,
 .home-reference .calc-cta-icon,
 .home-reference .callback-submit-row>button>span{transition:background-color .22s ease,color .22s ease,transform .22s ease}
 .home-reference :is(.ref-pill,.hero-home-primary,.home-footer-cta,.ref-nav-cta,.btn-calc-submit):hover,
 .home-reference :is(.review-submit-button,.callback-submit-row>button,.ref-controls button,.calc-edit-amount):enabled:hover{transform:translateY(-2px);box-shadow:0 5px 14px #29352024}
 .home-reference :is(.ref-pill,.home-footer-cta):hover>span,
 .home-reference .btn-calc-submit:hover .calc-cta-icon,
 :is(.home-reference,.site-interior) .ref-nav-cta:hover>span,
 .home-reference :is(.review-submit-button,.callback-submit-row>button):enabled:hover>span{transform:translate(2px,-2px)}
 .home-reference .hero-home-primary:hover>svg{transform:translateX(3px)}
}
@media(prefers-reduced-motion:reduce){
 :is(.home-reference,.site-interior) .site-header{transition:none}
 .home-reference :is(.ref-pill,.hero-home-primary,.home-footer-cta,.ref-nav-cta,.btn-calc-submit,.review-submit-button,.ref-support-cards button):hover{transform:none}
}