:root{--navy:#10283d;--deep:#091b2a;--gold:#bc9b61;--cream:#f7f5f0;--ink:#1b2c37;--muted:#5c6870}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);font-family:Arial,Helvetica,sans-serif;line-height:1.6;background:#fff}a{color:inherit}header{background:var(--deep);color:white;position:sticky;top:0;z-index:10;border-bottom:1px solid #ffffff20}.nav{max-width:1160px;margin:auto;display:flex;align-items:center;justify-content:space-between;gap:20px;padding:16px 22px}.brand{text-decoration:none;font-family:Georgia,serif;font-size:20px;letter-spacing:.5px}.brand small{display:block;font:10px Arial,sans-serif;letter-spacing:2px;color:#d8bf8e;margin-top:3px}nav{display:flex;gap:21px;align-items:center}nav a{text-decoration:none;font-size:13px}nav a:hover,.textlink:hover{color:var(--gold)}.btn{display:inline-block;border:1px solid var(--gold);background:var(--gold);color:#101c26;text-decoration:none;padding:13px 22px;font-size:12px;font-weight:bold;letter-spacing:1.1px;text-transform:uppercase;border-radius:2px;cursor:pointer}.btn.outline{background:transparent;color:#fff}.btn.dark{background:var(--navy);color:white;border-color:var(--navy)}.hero{background:linear-gradient(115deg,#091b2af5,#163e58d9),radial-gradient(circle at 75% 30%,#c5a774 0,transparent 35%);color:white;min-height:560px;display:flex;align-items:center}.wrap{max-width:1160px;margin:auto;padding:0 24px}.hero .wrap{width:100%;padding-top:90px;padding-bottom:100px}.eyebrow{color:var(--gold);font-size:12px;font-weight:bold;letter-spacing:3px;text-transform:uppercase}.hero h1{font:normal clamp(40px,6vw,76px)/1.07 Georgia,serif;max-width:870px;margin:24px 0}.hero p{max-width:660px;font-size:18px;color:#e1e5e7}.actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:30px}.section{padding:80px 0}.section.alt{background:var(--cream)}h2{font:normal clamp(30px,4vw,46px)/1.18 Georgia,serif;margin:12px 0 20px}h3{font:normal 26px/1.2 Georgia,serif;margin:12px 0}p{margin:0 0 18px}.lead{font-size:18px;color:var(--muted);max-width:770px}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:35px}.tile{border:1px solid #e1e4e5;padding:30px;background:white;min-height:225px}.tile p{color:var(--muted);font-size:15px}.tile a{color:var(--navy);font-size:13px;font-weight:bold}.split{display:grid;grid-template-columns:1fr 1fr;gap:70px;align-items:center}.panel{padding:46px;background:var(--navy);color:white}.panel p{color:#dce4e8}.panel h2{color:white}.small{font-size:13px;color:var(--muted)}.faq{max-width:850px}.faq details{padding:18px 0;border-bottom:1px solid #d9dddf}.faq summary{font-weight:bold;cursor:pointer}.faq p{padding-top:12px;color:var(--muted)}form{display:grid;gap:13px}label{font-size:13px;font-weight:bold}input,select,textarea{width:100%;border:1px solid #c8d0d5;padding:14px;font:inherit;background:white;color:var(--ink)}textarea{min-height:110px}footer{background:var(--deep);color:#d9e0e3;padding:55px 0 25px}footer .columns{display:grid;grid-template-columns:2fr 1fr 1fr;gap:35px}footer a{color:#e3e5e7}footer p{font-size:13px}footer .legal{border-top:1px solid #ffffff2b;padding-top:20px;margin-top:40px;font-size:12px;color:#abb7be}.banner{padding:75px 0;background:var(--navy);color:white}.banner h1{font:normal clamp(38px,5vw,60px)/1.1 Georgia,serif;margin:15px 0}.banner p{max-width:760px;color:#e0e5e9}.notice{background:#f5efdf;padding:17px;border-left:3px solid var(--gold);font-size:14px}.mobile-nav{display:none}@media(max-width:760px){nav{display:none}.mobile-nav{display:block}.hero{min-height:500px}.hero .wrap{padding-top:65px;padding-bottom:75px}.grid,.split,footer .columns{grid-template-columns:1fr}.section{padding:58px 0}.panel{padding:30px}.nav{padding:14px 18px}.brand{font-size:17px}}

.brand{display:flex;align-items:center;gap:12px;font-family:Arial,sans-serif;font-weight:600;font-size:15px}.brand-logo{width:82px;height:55px;object-fit:contain;background:#fff;border-radius:2px;padding:3px}.broker-logo{width:230px;max-width:100%;height:auto;display:block;background:#fff;margin-top:18px}.portrait{width:220px;max-width:100%;height:250px;object-fit:cover;object-position:center 17%;float:right;margin:0 0 15px 25px;border:5px solid #fff;box-shadow:0 12px 32px #0002}.form-disclosure{font-size:12px;color:var(--muted);line-height:1.5}@media(max-width:760px){.brand-logo{width:58px;height:44px}.brand{font-size:12px}.portrait{width:145px;height:175px}}

/* Stark Team personalized homepage refresh */
.brand-wordmark{display:flex;flex-direction:column;gap:0;line-height:1.1}.brand-wordmark strong{font:600 20px Georgia,serif;color:#fff}.brand-wordmark small{font:10px Arial,sans-serif;letter-spacing:2.6px;color:#d5b77d;margin-top:7px}.hero{min-height:610px}.hero-layout{display:grid;grid-template-columns:minmax(0,1.35fr) minmax(280px,.75fr);align-items:center;gap:70px}.hero h1{font-size:clamp(39px,4.7vw,66px);line-height:1.13;max-width:760px}.hero h1 em{font-style:normal;color:#d7b878}.hero-copy p{max-width:670px}.hero-photo{position:relative;max-width:400px;margin:0 auto;box-shadow:0 20px 65px #0005;border:1px solid #c4a66b}.hero-photo img{width:100%;height:460px;display:block;object-fit:cover;object-position:center top}.photo-caption{position:absolute;bottom:0;left:0;right:0;padding:16px 20px;background:linear-gradient(0deg,#091b2af5,#091b2ac9);display:flex;flex-direction:column;gap:4px}.photo-caption strong{font:25px Georgia,serif;color:#fff}.photo-caption span{font-size:12px;color:#e8d6b4;line-height:1.5}.section.alt .split>div:first-child{max-width:610px}@media(max-width:850px){.hero-layout{grid-template-columns:1fr;gap:30px}.hero .wrap{padding-top:55px;padding-bottom:65px}.hero-photo{max-width:320px;margin:0}.hero-photo img{height:350px}.hero h1{font-size:clamp(37px,7vw,60px)}}@media(max-width:500px){.brand-wordmark strong{font-size:17px}.brand-wordmark small{font-size:9px}.hero-photo{max-width:100%}.hero-photo img{height:350px}}