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17px}.situation:first-child{padding-left:0;padding-right:17px}.situation:nth-child(3){padding-left:0}.situation:nth-child(2),.situation:last-child{padding-right:0;padding-left:17px}.number{font-size:6px;letter-spacing:.065em}.situation-icon{height:29px;width:29px;margin-block:22px 18px}.situation h3{font-size:24px;min-height:54px;margin-bottom:13px}.situation p{font-size:11px;line-height:1.75;margin-bottom:18px}.card-link{font-size:8px;line-height:1.55}.card-link span{font-size:17px}.options-layout{display:block;margin-top:31px}.option-tabs{margin-bottom:26px}.option-tabs button{padding:18px 1px;gap:20px}.option-tabs strong{font-size:23px}.option-tabs .tab-arrow{font-size:24px}.option-tabs button>span:first-child{font-size:9px}.option-panel{padding:27px 24px;min-height:unset}.option-panel h3{font-size:30px}.option-panel p{font-size:12px}.option-panel ul{margin-block:21px}.option-panel li{font-size:11px;margin-block:12px}.option-panel p.panel-note{font-size:10px}.option-panel .text-link{font-size:10px}.panel-label{font-size:7px}.process{display:block}.process-heading .eyebrow{font-size:8px;margin-bottom:16px}.process-heading h2{font-size:41px}.process-heading>p:last-child{max-width:300px;margin-top:21px}.steps{margin-top:32px}.steps li{gap:22px;padding-bottom:30px}.steps h3{font-size:26px}.steps p{font-size:12px;max-width:320px}.step-number{width:39px;height:39px;font-size:20px}.steps li:not(:last-child):after{left:19px}.meet{padding-block:46px 57px}.meet-layout{display:flex;flex-direction:column;gap:36px;align-items:stretch}.meet-brand{min-height:270px;padding:35px;border-top-right-radius:70px}.meet-brand:before{inset:15px;border-top-right-radius:57px}.meet-brand img{width:min(100%,240px)}.meet-brand>span{font-size:7px;margin-top:20px}.meet-copy .eyebrow{font-size:8px}.meet-copy h2{font-size:52px}.meet-copy p.meet-lead{font-size:24px}.meet-copy p{font-size:13px}.signature>span{font-size:25px}.letter-banner{display:grid;grid-template-columns:40px 1fr;gap:19px;padding-block:32px}.letter-symbol{width:40px;height:40px;align-self:start;margin-top:2px}.letter-symbol svg{width:21px;height:21px}.letter-banner .eyebrow{font-size:7px}.letter-banner h3{font-size:25px;line-height:1.15}.letter-banner p:not(.eyebrow){font-size:11px}.letter-banner .button{grid-column:2;margin:0;justify-self:start;font-size:11px}.faq{display:block}.faq-intro .eyebrow{font-size:8px}.faq-intro h2{font-size:42px}.faq-intro p:not(.eyebrow){font-size:12px}.faq-list{margin-top:31px}details{padding:21px 0}summary{font-size:12px}details p{font-size:12px}.contact{padding-block:53px 57px}.contact-layout{display:block}.contact h2{font-size:49px}.contact .eyebrow{font-size:8px;margin-bottom:18px}.contact p{font-size:12px}.contact-details{margin-top:30px;padding-top:24px;border-top:1px solid #bdc9b9}.contact-phone{font-size:34px;margin-block:14px 10px}.contact-email{font-size:12px}.contact-note{font-size:9px}.contact-promise{margin-top:25px}.contact-promise p{font-size:11px}.footer{padding-block:29px 89px}.footer-top{display:block;margin-bottom:24px}.footer-top strong{font-size:24px}.footer-top>div>span{font-size:9px;margin-top:2px}.footer nav{margin-top:21px;font-size:10px;gap:22px;flex-wrap:wrap}.disclosure{font-size:9px}.footer-bottom{align-items:flex-start;flex-direction:column;gap:9px;font-size:8px;padding-top:20px;margin-top:24px}.mobile-contact{position:fixed;bottom:0;left:0;right:0;z-index:20;display:grid;grid-template-columns:1fr 1fr;background:var(--ink);color:var(--paper);box-shadow:0 -5px 20px #193a3510;padding-bottom:env(safe-area-inset-bottom)}.mobile-contact a{padding:14px 20px;display:flex;align-items:center;justify-content:center;gap:13px;font-size:12px;min-height:52px}.mobile-contact a+ a{border-left:1px solid #ffffff40;background:var(--deep)}.mobile-contact svg{width:17px;height:17px}.mobile-contact a>span{font-size:18px}.letter-main{padding-block:44px 58px}.letter-main h1{font-size:49px;line-height:1.09}.letter-main .letter-lead{font-size:16px;margin-block:25px 31px}.letter-content{display:block}.letter-content h2{font-size:32px}.letter-box{margin-top:31px;padding:26px}.letter-resource{font-size:11px;margin-top:30px}.letter-main .eyebrow{font-size:8px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{transition:none!important}}
/* Help-first resources, preserving Heritage's original visual system. */
.options-disclosure{font-size:11px;color:var(--muted);max-width:790px;margin-top:25px;line-height:1.8}.resource-grid{display:grid;grid-template-columns:repeat(3,1fr);border:1px solid var(--line)}.resource-card{padding:32px;display:flex;flex-direction:column;align-items:flex-start;transition:background .2s}.resource-card+.resource-card{border-left:1px solid var(--line)}.resource-card:hover{background:var(--pale)}.resource-card h3{font-size:31px;margin:27px 0 19px}.resource-card p{color:var(--muted);font-size:13px;line-height:1.8;margin-bottom:28px}.resource-card .card-link{font-size:11px}.resource-bottom{display:flex;justify-content:space-between;gap:22px;align-items:center;margin-top:23px}.resource-bottom>span{font-size:10px;color:var(--muted)}.independent-help{background:#eef0e8;padding:47px 0;border-block:1px solid var(--line)}.independent-layout{display:grid;grid-template-columns:1fr 1fr;gap:90px;align-items:center}.independent-help .eyebrow{margin-bottom:16px}.independent-help h3{font-size:35px;margin-bottom:17px}.independent-help p{font-size:12px;color:var(--muted);max-width:405px}.help-links>a{display:flex;justify-content:space-between;align-items:center;gap:20px;border-bottom:1px solid #becbbf;padding:16px 0;font-size:12px;font-weight:600}.help-links>a span{font-size:20px}.help-links>a:hover{text-decoration:underline;text-underline-offset:4px}.help-links>p{font-size:11px;margin-top:18px}.letter-content p.letter-phone{margin-top:21px;font-size:12px}.letter-phone a{text-decoration:underline}.letter-learning{margin-top:44px;padding:35px 0;border-top:1px solid var(--line)}.letter-learning h2{font-size:37px;margin-bottom:20px}.letter-learning p:not(.eyebrow){color:var(--muted);font-size:14px;max-width:790px;margin-bottom:17px}.letter-learning p a{text-decoration:underline;text-underline-offset:3px}
.resource-main{padding-block:65px 80px}.resource-main h1{font-size:64px;max-width:900px;margin:20px 0 24px}.resource-lead{font-size:19px;line-height:1.75;max-width:720px;color:var(--muted);margin-bottom:34px}.resource-context{border-left:3px solid #8ca080;background:var(--pale);padding:22px 27px;max-width:880px;margin-bottom:48px;font-size:13px;line-height:1.8;color:var(--muted)}.resource-context strong{color:var(--ink)}.resource-context a{text-decoration:underline;text-underline-offset:3px}.resource-main .resources{padding-block:15px 55px}.resource-main .resources .section-intro{display:none}.resource-main .resource-bottom{display:none}.resource-main .independent-help{background:transparent}.resource-main .independent-layout{width:100%}.breadcrumb{font-size:11px;color:var(--muted);display:flex;gap:10px;flex-wrap:wrap;margin-bottom:32px}.breadcrumb a{text-decoration:underline;text-underline-offset:3px}.article-main{max-width:1110px;padding-block:52px 85px}.article-heading{max-width:820px}.article-heading h1{font-size:61px;line-height:1.08;margin-block:22px}.article-heading .resource-lead{font-size:18px;margin-bottom:22px}.article-meta{font-size:10px;color:var(--muted);letter-spacing:.03em;margin-bottom:35px}.article-layout{display:grid;grid-template-columns:minmax(0,1fr) 245px;gap:65px;align-items:start}.article-body{font-size:15px;line-height:1.9;color:#475b50}.article-body h2{font-size:35px;margin:40px 0 18px;color:var(--ink);line-height:1.2}.article-body h3{font-size:25px;color:var(--ink);margin:29px 0 14px}.article-body p{margin-bottom:18px}.article-body li{margin-block:12px}.article-body ul,.article-body ol{padding-left:24px;margin-block:20px}.article-body a{text-decoration:underline;text-underline-offset:3px}.article-body .article-callout{padding:24px 27px;background:var(--pale);border-left:3px solid #8ca080;margin:29px 0;font-size:14px}.article-callout p:last-child{margin:0}.article-body .article-callout h2{font-size:27px;margin:0 0 15px}.article-aside{background:var(--pale);padding:26px;font-size:12px}.article-aside h2{font-size:26px;margin:10px 0 19px}.article-aside a{display:block;padding:13px 0;border-top:1px solid #bfccbe;line-height:1.6}.article-aside a:hover{text-decoration:underline}.article-aside p{font-size:11px;margin-top:20px;color:var(--muted)}.article-sources{border-top:1px solid var(--line);margin-top:42px;padding-top:5px}.article-sources h2{font-size:29px;margin-top:28px}.article-sources li{font-size:12px;line-height:1.75;overflow-wrap:anywhere}.article-disclaimer{font-size:11px;border-top:1px solid var(--line);padding-top:25px;margin-top:30px}.article-body .glossary{margin:28px 0}.glossary dt{font-family:var(--serif);font-size:26px;letter-spacing:-.025em;color:var(--ink);border-top:1px solid var(--line);padding-top:23px;margin-top:24px}.glossary dd{margin:9px 0 0}.article-footer-nav{display:flex;gap:24px;flex-wrap:wrap;margin-top:32px}
@media(max-width:1100px){.resource-card{padding:25px}.resource-card h3{font-size:27px}.independent-layout{gap:55px}.article-layout{gap:38px;grid-template-columns:minmax(0,1fr) 215px}.article-aside{padding:22px}}
@media(max-width:800px){.resource-card{padding:22px}.resource-card h3{font-size:25px}.resource-card p{font-size:12px}.resource-bottom{align-items:flex-start}.resource-main h1{font-size:54px}.resource-lead{font-size:17px}.article-heading h1{font-size:51px}.article-layout{display:block}.article-aside{margin-top:36px}.independent-layout{gap:35px}.independent-help h3{font-size:29px}.article-body{font-size:14px}.article-body h2{font-size:32px}}
@media(max-width:620px){.resource-grid{display:block}.resource-card{padding:27px}.resource-card+.resource-card{border-left:0;border-top:1px solid var(--line)}.resource-card h3{font-size:32px;margin-block:20px 17px}.resource-card p{font-size:13px}.resource-card .card-link{font-size:11px}.resource-bottom{flex-direction:column;margin-top:19px;gap:13px}.resource-bottom>span{font-size:9px}.independent-layout{display:block}.independent-help{padding-block:38px}.independent-help h3{font-size:32px}.help-links{margin-top:21px}.help-links>a{font-size:12px}.options-disclosure{font-size:10px}.letter-learning{padding-block:28px;margin-top:35px}.letter-learning h2{font-size:32px}.letter-learning p:not(.eyebrow){font-size:13px}.resource-main{padding-block:40px 45px}.resource-main h1{font-size:48px}.resource-lead{font-size:16px}.resource-context{padding:21px;font-size:12px;margin-bottom:34px}.resource-main .resources{padding-block:8px 36px}.article-main{padding-block:31px 50px}.article-heading h1{font-size:45px;margin-block:19px}.article-heading .resource-lead{font-size:16px}.breadcrumb{font-size:10px;margin-bottom:29px}.article-meta{font-size:9px;line-height:1.8;margin-bottom:26px}.article-body h2{font-size:31px;margin-top:33px}.article-body .article-callout{padding:22px;font-size:13px}.article-body h3{font-size:25px}.article-aside{padding:25px}.article-main .eyebrow{font-size:8px}.article-disclaimer{font-size:10px}}
/* Short homeowner conversation request. */
.contact-form-link{margin-top:23px;align-self:flex-start}.hero-actions{flex-wrap:wrap}.help-main{padding-block:62px 90px}.help-intro{max-width:760px;margin-bottom:39px}.help-intro h1{font-size:clamp(45px,5.1vw,67px);margin:18px 0 22px}.help-lead{font-size:17px;color:var(--muted);max-width:580px}.help-time{font-size:12px;margin-top:17px;color:var(--muted)}.help-layout{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:70px;align-items:start}.help-form{background:var(--white);border:1px solid var(--line);padding:32px;min-width:0}.form-required{font-size:11px;color:var(--muted);margin-bottom:24px}.help-form fieldset{border:0;margin:0 0 26px;padding:0;min-width:0}.help-form legend,.help-field>label{font-size:14px;font-weight:600;margin-bottom:10px;display:block}.goal-choices{display:grid;grid-template-columns:1fr 1fr;gap:10px}.goal-choice{display:flex;align-items:center;gap:10px;padding:14px 13px;border:1px solid #bdc9bf;cursor:pointer;font-size:13px;line-height:1.45;min-height:55px}.goal-choice:has(input:checked){background:var(--pale);border-color:var(--ink);box-shadow:inset 0 0 0 1px var(--ink)}.goal-choice:hover{background:#f0f3eb}.goal-choice input{margin:0;width:17px;height:17px;flex-shrink:0;accent-color:var(--ink)}.help-fields{display:grid;grid-template-columns:1fr 1fr;gap:22px 18px}.help-field{min-width:0}.help-field-wide{grid-column:1/-1}.help-field>label span{font-weight:400;font-size:12px;color:var(--muted)}.help-field input,.help-field select,.help-field textarea{display:block;width:100%;min-width:0;border:1px solid #afbeb4;border-radius:2px;background:#fffefb;color:var(--ink);padding:12px;font:inherit;font-size:16px;line-height:1.5;min-height:49px;max-width:100%}.help-field select{padding-right:8px}.help-field textarea{resize:vertical;min-height:95px}.help-field small{font-size:11px;color:var(--muted);display:block;margin-top:7px;line-height:1.65}.help-form input:focus-visible,.help-form select:focus-visible,.help-form textarea:focus-visible{outline:2px solid var(--ink);outline-offset:3px}.help-form [hidden]{display:none!important}.help-privacy{font-size:11px;line-height:1.8;color:var(--muted);border-top:1px solid var(--line);padding-top:22px;margin-top:27px}.help-privacy p+p{margin-top:12px}.help-privacy a,.form-noscript a{text-decoration:underline;text-underline-offset:3px}.help-submit{margin-top:23px;min-height:52px;font-size:14px}.help-submit:disabled{cursor:wait;opacity:.65;transform:none}.form-status{font-size:12px;line-height:1.6;margin-top:13px;color:var(--ink)}.form-status:empty{display:none}.form-next,.form-noscript{font-size:11px;color:var(--muted);margin-top:12px}.form-honey{position:absolute;left:-10000px;width:1px;height:1px;overflow:hidden}.help-aside{padding-top:6px}.help-aside h2{font-size:34px;margin:17px 0 20px}.help-aside>p:not(.eyebrow){font-size:13px;color:var(--muted)}.help-direct{margin-top:28px;padding-block:24px;border-block:1px solid var(--line);display:flex;align-items:flex-start;flex-direction:column;gap:12px}.help-direct .micro{font-size:8px}.help-call{font-size:13px;text-decoration:underline;text-underline-offset:4px}.help-deadline{padding:22px;background:var(--pale);margin-top:27px;font-size:12px}.help-deadline strong{display:block;margin-bottom:10px}.help-deadline p{color:var(--muted);line-height:1.8}.help-deadline a{display:inline-block;font-size:11px;text-decoration:underline;text-underline-offset:3px;margin-top:13px}.help-aside p.help-business{font-size:11px;line-height:1.8;margin-top:24px}@media(max-width:1000px){.help-layout{grid-template-columns:minmax(0,1fr) 250px;gap:32px}.help-form{padding:26px}.help-aside h2{font-size:30px}.goal-choices{grid-template-columns:1fr}.help-fields{grid-template-columns:1fr}}@media(max-width:750px){.help-layout{display:block}.help-aside{margin-top:38px;max-width:580px}.goal-choices{grid-template-columns:1fr 1fr}.help-fields{grid-template-columns:1fr 1fr}.help-main{padding-block:40px 55px}.help-intro h1{font-size:49px}.help-lead{font-size:16px}.help-time{font-size:11px;max-width:350px}.help-intro{margin-bottom:28px}.help-form{padding:24px}.help-aside h2{font-size:34px}}@media(max-width:480px){.help-form{padding:22px 18px}.help-fields{grid-template-columns:1fr;gap:20px}.goal-choices{grid-template-columns:1fr}.goal-choice{min-height:50px;font-size:14px}.help-submit{width:100%}.help-form legend,.help-field>label{font-size:14px}.help-privacy{font-size:11px}.help-intro h1{font-size:46px}.help-main.wrap{width:calc(100% - 36px)}}

.option-panel li a{text-decoration:underline;text-underline-offset:3px}