:root{--orange:#f47700;--ink:#202323;--muted:#616767;--line:#dce0de}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:90px}body{margin:0;color:var(--ink);background:#fff;font-family:Arial,Helvetica,sans-serif;font-size:16px;line-height:1.6}a{color:inherit;text-decoration:none}button,input,select{font:inherit}header{height:92px;padding:0 5%;display:flex;align-items:center;justify-content:space-between;background:#fff;border-bottom:1px solid var(--line)}.brand{display:flex;align-items:center;gap:25px}.wordmark{font-family:Georgia,serif;font-weight:bold;letter-spacing:-2px;font-size:34px}.brand>span:last-child{font-size:12px;letter-spacing:1.8px;border-left:1px solid #bbb;padding-left:25px}nav{display:flex;align-items:center;gap:30px;font-size:14px;font-weight:600}.nav-contact{border:1px solid var(--line);padding:12px 18px}.nav-contact span{margin-left:20px}.hero{background:var(--ink);color:#fff;display:grid;grid-template-columns:1.05fr 1fr}.hero-copy{padding:76px 8% 65px 10%}.eyebrow{font-size:12px;letter-spacing:1.7px;font-weight:bold;margin:0 0 26px}.hero .eyebrow{color:#d3d7d4}.eyebrow>span{display:inline-block;width:7px;height:7px;background:var(--orange);margin-right:8px}h1{font-size:clamp(40px,4.3vw,68px);line-height:1.06;letter-spacing:-2.6px;margin:0 0 28px}h1 em{font-style:normal;color:var(--orange)}.lead{max-width:460px;font-size:18px;line-height:1.65;color:#c7ccca;margin-bottom:34px}.button{min-height:52px;padding:15px 22px;display:inline-flex;align-items:center;justify-content:space-between;gap:26px;font-size:14px;font-weight:bold;border:0;cursor:pointer}.orange{background:var(--orange);color:#171a19}.button:hover{filter:brightness(.94)}.text-link{display:block;width:fit-content;margin-top:24px;font-size:14px;color:#e2e4e3}.text-link span{margin-left:24px}.hero-picture{position:relative;min-height:580px;overflow:hidden}.hero-picture img{width:100%;height:100%;position:absolute;object-fit:cover;object-position:center}.hero-picture:after{content:"";position:absolute;inset:45% 0 0;background:linear-gradient(transparent,#141a1cd9)}.picture-caption{position:absolute;z-index:1;bottom:38px;left:36px}.picture-caption span{font-size:11px;letter-spacing:1.5px}.picture-caption b{display:block;font-size:30px;line-height:1.15;margin-top:14px}.hero-bottom{grid-column:1/-1;display:flex;justify-content:space-between;margin:0 5%;padding:23px 0;border-top:1px solid #4c5150;color:#c7ccca;font-size:13px}.section{padding:88px 5%}.section-head{display:flex;justify-content:space-between;align-items:flex-end;gap:40px;margin-bottom:44px}h2{font-size:clamp(30px,3.1vw,46px);letter-spacing:-1.5px;line-height:1.12;margin:0}.section-head>p{max-width:370px;color:var(--muted);margin:0}.tasks{display:grid;grid-template-columns:repeat(4,1fr);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.task{padding:30px 25px 28px;border-right:1px solid var(--line);display:flex;flex-direction:column;transition:background .2s}.task:first-child{padding-left:0}.task:last-child{border-right:0}.task:hover{background:#f4f5f4}.number{display:flex;justify-content:space-between;color:#7b8180;font-size:13px}.number span{color:var(--orange);font-size:22px}.task h3{font-size:25px;letter-spacing:-.8px;line-height:1.2;margin:25px 0 15px}.task p{color:var(--muted);font-size:15px;margin:0 0 26px}.task-link{font-size:13px;font-weight:bold;margin-top:auto}.finance{background:#202323;color:white;padding:72px 7%;display:grid;grid-template-columns:1fr 1fr;gap:11%}.finance>div>p:not(.eyebrow){color:#c6ccca;max-width:410px;margin:24px 0 30px}.finance .eyebrow{color:#f5a654}.zero{font-size:136px;font-weight:bold;line-height:.85;letter-spacing:-9px;color:var(--orange)}.zero span{font-size:75px;letter-spacing:-4px}.finance .rate{letter-spacing:2.5px;font-size:13px!important;margin:18px 0 25px!important}.finance-options{display:grid;grid-template-columns:1fr 1fr;border-top:1px solid #565959;border-bottom:1px solid #565959;padding:20px 0;gap:24px}.finance-options b{display:block;font-size:20px}.finance-options span{font-size:13px;color:#c6ccca}.finance .fine{font-size:12px;max-width:none;line-height:1.7;margin-bottom:0}.catalogs{padding-bottom:70px}.catalog-list{display:grid;grid-template-columns:1fr 1fr;gap:0 40px}.catalog-list a{display:flex;align-items:center;gap:20px;border-top:1px solid var(--line);padding:24px 0;font-size:19px;font-weight:bold}.catalog-list a span:first-child{color:#7a807d;font-size:12px;letter-spacing:1px}.catalog-list a span:last-child{margin-left:auto;color:var(--orange)}.catalog-list a:hover{color:#c95f00}.letter{margin:0 5%;background:#f1f3f2;padding:48px;display:grid;grid-template-columns:1fr 1fr;gap:8%;border-left:4px solid var(--orange)}.letter h2{font-size:34px}.letter p:not(.eyebrow){margin-top:0;color:var(--muted)}.outline{border:1px solid #b6bcb9;background:transparent}.file-note{display:block;font-size:12px;color:var(--muted);margin-top:10px}.contact-grid{display:grid;grid-template-columns:1.05fr 1fr;gap:8%}form{display:grid;gap:8px}label{font-size:14px;font-weight:bold;margin-top:12px}select,input{width:100%;border:1px solid #bfc5c1;border-radius:0;background:white;color:var(--ink);min-height:52px;padding:12px 14px}form button{margin-top:18px}form .fine{font-size:12px;color:var(--muted);margin-top:4px}.advisor{background:#f1f3f2;padding:42px;display:flex;flex-direction:column;align-items:flex-start}.advisor h3{font-size:29px;line-height:1.2;letter-spacing:-.8px;margin:10px 0 20px}.advisor p{color:var(--muted)}.advisor>a{margin:5px 0;overflow-wrap:anywhere}.phone{font-size:30px;font-weight:bold}.advisor-bottom{border-top:1px solid #cbd0cd;width:100%;padding-top:22px;margin-top:auto;color:var(--muted);font-size:14px;line-height:2}footer{border-top:1px solid var(--line);margin:0 5%;padding:30px 0;display:flex;align-items:center;justify-content:space-between;gap:20px;font-size:13px;color:var(--muted)}footer .wordmark{color:var(--ink)}:focus-visible{outline:3px solid #ef8100;outline-offset:5px}@media(min-width:1600px){body{max-width:1600px;margin:auto}}@media(max-width:900px){nav{gap:16px}.brand>span:last-child{display:none}.hero{grid-template-columns:1fr 1fr}.hero-copy{padding:50px 8%}h1{font-size:44px}.hero-picture{min-height:570px}.tasks{grid-template-columns:1fr 1fr}.task:nth-child(2){border-right:0}.task:first-child{padding-left:25px}.task{border-bottom:1px solid var(--line)}.finance{gap:6%;padding:60px 5%}.section-head{align-items:flex-start}.section-head>p{max-width:300px}.contact-grid{gap:4%}.advisor{padding:28px}}@media(max-width:620px){header{height:76px}nav>a:not(.nav-contact){display:none}.wordmark{font-size:29px}.nav-contact{padding:9px 12px}.hero{grid-template-columns:1fr}.hero-copy{padding:44px 6%}.hero h1{font-size:45px}.hero-picture{min-height:340px;grid-row:2}.hero-bottom{flex-wrap:wrap;gap:8px 20px;font-size:12px}.section{padding:56px 6%}.section-head{display:block}.section-head>p{max-width:none;margin-top:24px}.tasks{grid-template-columns:1fr}.task{padding:25px!important;border-right:0}.task h3 br{display:none}.task h3{margin-top:14px}.finance,.contact-grid,.letter{grid-template-columns:1fr}.finance{padding:48px 6%;gap:45px}.catalog-list{grid-template-columns:1fr}.letter{padding:30px;gap:24px}.contact-grid{gap:30px}.advisor{min-height:350px}.letter h2{font-size:30px}footer{flex-wrap:wrap}footer>span:nth-child(2){order:3;width:100%}.button{width:100%}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}

.logo{width:57px;height:62px;object-fit:contain}.hero-picture img{object-position:48% center}.brand>span:last-child{display:block}footer .logo{width:47px;height:51px}@media(max-width:620px){.brand>span:last-child{font-size:10px;padding-left:12px;letter-spacing:.8px}.brand{gap:12px}.logo{width:45px;height:49px}}

.letter .letter-download{min-height:68px;padding:20px 26px;font-size:18px;width:100%;box-shadow:0 5px 0 #c85e00;line-height:1.35}.letter-download span{font-size:28px;line-height:1}.letter .file-note{margin-top:17px}.letter-download:hover{box-shadow:0 3px 0 #c85e00}@media(max-width:620px){.letter .letter-download{font-size:16px;padding:18px 20px}}

@font-face{font-family:Antonio;src:url("assets/antonio.ttf") format("truetype");font-weight:400;font-style:normal;font-display:swap}h1,h2,h3,b,strong,.eyebrow,.button,.task-link,.catalog-list a,label,.phone,.zero,nav{font-family:Antonio,Arial,sans-serif;font-weight:700;letter-spacing:.2px}h1{line-height:1.18;letter-spacing:-.5px}h2{line-height:1.22;letter-spacing:0}h3,.task h3,.advisor h3{line-height:1.3;letter-spacing:0}.eyebrow{letter-spacing:1.7px;font-size:14px}.button,nav{font-size:17px}.task-link,label{font-size:16px}.zero{letter-spacing:-3px;line-height:1.05}.hero-letter{min-height:62px;font-size:20px}.hero-letter span{font-family:Arial,sans-serif;font-size:26px}.picture-caption b{line-height:1.3}@media(max-width:620px){.hero h1{font-size:46px}.hero-letter{font-size:19px}.nav-contact{font-size:16px}}

/* Reference layouts, September update */
header .nav-contact{background:var(--orange);color:var(--ink);border:0;padding:12px 20px}.hero-copy{padding-top:70px;padding-bottom:42px}.hero h1{font-size:clamp(42px,4.6vw,70px);line-height:1.16}.hero .lead{max-width:460px}.hero-picture{min-height:610px}.hero-actions{display:flex;flex-direction:column;align-items:flex-start;gap:14px;margin-top:36px}.hero-actions .button{width:280px;max-width:100%;justify-content:center;text-align:center}.hero-actions .hero-letter{min-height:72px;font-size:23px}.hero-actions .hero-finance{font-size:18px;min-height:56px}.section-head{display:block;margin-bottom:48px}.section-head .section-intro{max-width:390px;margin:34px 0 0;color:var(--muted);font-size:16px;line-height:1.6}.section{padding-top:78px;padding-bottom:78px}.tasks{gap:0;border:0;border-bottom:1px solid var(--line)}.task.task-editorial{position:relative;display:block;padding:0!important;overflow:hidden;border:0;border-right:1px solid var(--line);background:#fff}.task.task-editorial:last-child{border:0}.task-editorial .task-image{display:block;width:100%;height:auto;aspect-ratio:1134 / 938;object-fit:contain}.task-editorial .number{position:absolute;top:18px;left:24px;display:block;font-family:Antonio,Arial,sans-serif;font-size:32px;line-height:1.2;color:#fff;text-shadow:0 1px 4px #0009}.task-editorial .task-copy{position:relative;margin-top:-28%;padding:0 24px 24px}.task.task-editorial h3{font-size:28px;line-height:1.16;margin:0 0 18px}.task.task-editorial p{font-size:15px;line-height:1.6;color:var(--muted);margin:0}.task-editorial:hover h3{color:#a84e00}.task-editorial:focus-visible{outline:3px solid var(--orange);outline-offset:-3px}.catalog-list a{padding:25px 0}.catalog-list{row-gap:0}.contact .section-head{margin-bottom:44px}.contact-grid{align-items:stretch}.contact form label:first-child{margin-top:10px}.contact .advisor{padding:42px}.contact .advisor h3{margin-top:12px;margin-bottom:22px}.contact .advisor-bottom{margin-top:42px}.president-letter{position:relative;margin:0 5%;padding:56px 6% 82px 9%;border-top:1px solid var(--line);scroll-margin-top:24px}.quote-mark{position:absolute;left:0;top:28px;font-family:Georgia,serif;font-size:148px;font-weight:700;line-height:1;color:var(--orange)}.letter-body{max-width:940px;margin:0 auto;font-family:Arial,Helvetica,sans-serif;font-size:16px;line-height:1.65}.letter-body p{margin:0 0 16px}.letter-body .salutation{margin-bottom:14px;font-size:18px;line-height:1.5}.letter-body strong{font-family:Arial,Helvetica,sans-serif;font-weight:700;letter-spacing:normal}.letter-body ul{padding-left:25px;margin:0 0 18px}.letter-body li{padding-left:4px;margin-bottom:5px}.letter-body p:last-child{margin-top:30px;margin-bottom:0}.finance{scroll-margin-top:0}
@media(max-width:1000px){.hero-copy{padding:48px 8%}.hero h1{font-size:48px}.task-editorial .task-copy{padding:0 18px 24px}.task.task-editorial h3{font-size:25px}}@media(max-width:900px){.task.task-editorial{border-bottom:1px solid var(--line)}.task.task-editorial:nth-child(2){border-right:0}.task-editorial .task-copy{margin-top:-28%;padding:0 24px 28px}.hero-picture{min-height:610px}.quote-mark{font-size:112px}.president-letter{padding-left:10%;padding-right:2%}}@media(max-width:620px){.hero h1{font-size:46px}.hero-copy{padding:44px 6%}.hero-actions{width:100%}.hero-actions .button{width:100%}.hero-picture{min-height:340px}.section{padding:56px 6%}.section-head .section-intro{margin-top:25px}.tasks{grid-template-columns:1fr}.task.task-editorial{border-right:0}.task-editorial .task-copy{margin-top:-28%}.task.task-editorial h3{font-size:30px}.task.task-editorial h3 br{display:block}.president-letter{margin:0 6%;padding:72px 0 56px}.quote-mark{font-size:94px;top:5px;left:0}.letter-body{font-size:16px;line-height:1.65}.letter-body .salutation{font-size:17px}.contact .advisor{padding:28px}}