.site-header[data-astro-cid-nen7h5rs]{border-bottom:1px solid var(--border);background:var(--paper);z-index:20;position:sticky;top:0}.bar[data-astro-cid-nen7h5rs]{justify-content:space-between;align-items:center;gap:1rem;padding-top:.9rem;padding-bottom:.9rem;display:flex}.brand[data-astro-cid-nen7h5rs]{white-space:nowrap;align-items:center;text-decoration:none;display:flex}.brand[data-astro-cid-nen7h5rs] img[data-astro-cid-nen7h5rs]{width:auto;height:38px}nav[data-astro-cid-nen7h5rs] ul[data-astro-cid-nen7h5rs]{flex-wrap:wrap;gap:1.4rem;margin:0;padding:0;list-style:none;display:flex}nav[data-astro-cid-nen7h5rs] a[data-astro-cid-nen7h5rs]{color:var(--navy-900);font-size:.95rem;text-decoration:none}nav[data-astro-cid-nen7h5rs] a[data-astro-cid-nen7h5rs][aria-current=page]{color:var(--accent-strong)}.text-cta[data-astro-cid-nen7h5rs]{white-space:nowrap;padding:.55em 1.1em;font-size:.9rem}.has-menu[data-astro-cid-nen7h5rs]{position:relative}.menu[data-astro-cid-nen7h5rs]>summary[data-astro-cid-nen7h5rs]{cursor:pointer;color:var(--navy-900);align-items:center;gap:.25rem;font-size:.95rem;list-style:none;display:inline-flex}.menu[data-astro-cid-nen7h5rs]>summary[data-astro-cid-nen7h5rs]::-webkit-details-marker{display:none}.menu[data-astro-cid-nen7h5rs]>summary[data-astro-cid-nen7h5rs][aria-current=page]{color:var(--accent-strong)}.chev[data-astro-cid-nen7h5rs]{font-size:.65em;transition:transform .15s}.menu[data-astro-cid-nen7h5rs][open] .chev[data-astro-cid-nen7h5rs]{transform:rotate(180deg)}.submenu[data-astro-cid-nen7h5rs]{z-index:30;background:var(--paper);border:1px solid var(--border);border-radius:var(--radius);gap:.1rem;min-width:12rem;margin:0;padding:.5rem;display:grid;position:absolute;top:calc(100% + .65rem);left:-.9rem;box-shadow:0 10px 28px #0d172924}.submenu[data-astro-cid-nen7h5rs] a[data-astro-cid-nen7h5rs]{border-radius:3px;padding:.5rem .65rem;display:block}.submenu[data-astro-cid-nen7h5rs] a[data-astro-cid-nen7h5rs]:hover{background:var(--paper-alt)}.nav-disclosure[data-astro-cid-nen7h5rs]>summary[data-astro-cid-nen7h5rs]{display:none}.nav-disclosure[data-astro-cid-nen7h5rs]{display:contents}@media (width<=860px){.bar[data-astro-cid-nen7h5rs]{flex-wrap:nowrap;gap:.5rem}.nav-disclosure[data-astro-cid-nen7h5rs]{margin-left:auto;display:block;position:static}.nav-disclosure[data-astro-cid-nen7h5rs]>summary[data-astro-cid-nen7h5rs]{border:1px solid var(--border);border-radius:var(--radius);min-height:44px;color:var(--navy-900);cursor:pointer;align-items:center;gap:.5rem;padding:0 .6rem;font-size:.9rem;font-weight:600;list-style:none;display:inline-flex}.nav-disclosure[data-astro-cid-nen7h5rs]>summary[data-astro-cid-nen7h5rs]::-webkit-details-marker{display:none}.bars[data-astro-cid-nen7h5rs]{gap:3px;width:16px;display:grid}.bars[data-astro-cid-nen7h5rs] span[data-astro-cid-nen7h5rs]{background:var(--navy-900);border-radius:1px;height:2px;display:block}.nav-disclosure[data-astro-cid-nen7h5rs][open]>summary[data-astro-cid-nen7h5rs]{background:var(--navy-950);color:var(--cream-100);border-color:var(--navy-950)}.nav-disclosure[data-astro-cid-nen7h5rs][open] .bars[data-astro-cid-nen7h5rs] span[data-astro-cid-nen7h5rs]{background:var(--cream-100)}.nav-disclosure[data-astro-cid-nen7h5rs][open] nav[data-astro-cid-nen7h5rs]{background:var(--paper);border-bottom:1px solid var(--border);padding:.5rem 1.5rem 1rem;position:absolute;top:100%;left:0;right:0;box-shadow:0 10px 20px #0d172914}.site-header[data-astro-cid-nen7h5rs]{position:sticky}.bar[data-astro-cid-nen7h5rs]{position:relative}nav[data-astro-cid-nen7h5rs] ul[data-astro-cid-nen7h5rs]{flex-direction:column;align-items:stretch;gap:0}nav[data-astro-cid-nen7h5rs]>ul[data-astro-cid-nen7h5rs]>li[data-astro-cid-nen7h5rs]{border-bottom:1px solid var(--border)}nav[data-astro-cid-nen7h5rs]>ul[data-astro-cid-nen7h5rs]>li[data-astro-cid-nen7h5rs]:last-child{border-bottom:0}nav[data-astro-cid-nen7h5rs] a[data-astro-cid-nen7h5rs],.brand[data-astro-cid-nen7h5rs],.text-cta[data-astro-cid-nen7h5rs],.menu[data-astro-cid-nen7h5rs]>summary[data-astro-cid-nen7h5rs]{align-items:center;min-height:44px;display:inline-flex}nav[data-astro-cid-nen7h5rs]>ul[data-astro-cid-nen7h5rs]>li[data-astro-cid-nen7h5rs]>a[data-astro-cid-nen7h5rs],.menu[data-astro-cid-nen7h5rs]>summary[data-astro-cid-nen7h5rs]{width:100%}.submenu[data-astro-cid-nen7h5rs]{box-shadow:none;background:0 0;border:none;grid-auto-flow:column;gap:0 1rem;min-width:0;padding:0 0 0 .9rem;position:static}.submenu[data-astro-cid-nen7h5rs] a[data-astro-cid-nen7h5rs]{padding:.25rem 0}.submenu[data-astro-cid-nen7h5rs]{grid-auto-flow:row;gap:0}.text-cta[data-astro-cid-nen7h5rs]{flex-shrink:0}.brand[data-astro-cid-nen7h5rs] img[data-astro-cid-nen7h5rs]{width:auto;height:30px}}@media (width<=380px){.bars-label[data-astro-cid-nen7h5rs]{display:none}.nav-disclosure[data-astro-cid-nen7h5rs]>summary[data-astro-cid-nen7h5rs]{padding:0 .7rem}}.site-footer[data-astro-cid-jo6i4kqk]{background:var(--navy-950);color:var(--cream-200);padding:var(--space-l) 0 var(--space-s);margin-top:var(--space-l);font-size:.88rem;line-height:1.55}.site-footer[data-astro-cid-jo6i4kqk] h2[data-astro-cid-jo6i4kqk]{color:var(--cream-100);font-size:.74rem;font-family:var(--font-sans);letter-spacing:.12em;text-transform:uppercase;margin:0 0 .9rem;font-weight:700}.site-footer[data-astro-cid-jo6i4kqk] p[data-astro-cid-jo6i4kqk]{margin:0 0 .7rem}.site-footer[data-astro-cid-jo6i4kqk] a[data-astro-cid-jo6i4kqk]{color:var(--cream-100);text-decoration-color:#fbf8f266}.site-footer[data-astro-cid-jo6i4kqk] a[data-astro-cid-jo6i4kqk]:hover{color:#fff;text-decoration-color:currentColor}.site-footer[data-astro-cid-jo6i4kqk] .muted[data-astro-cid-jo6i4kqk]{color:var(--navy-300)}.site-footer[data-astro-cid-jo6i4kqk] .small[data-astro-cid-jo6i4kqk]{font-size:.78rem}.top[data-astro-cid-jo6i4kqk]{gap:var(--space-m);padding-bottom:var(--space-m);grid-template-columns:1.25fr .85fr 1fr 1.15fr;display:grid}.mark[data-astro-cid-jo6i4kqk]{width:auto;height:34px;margin-bottom:.9rem}.contact[data-astro-cid-jo6i4kqk]{margin-bottom:.4rem}.agent[data-astro-cid-jo6i4kqk]{margin-bottom:1rem}.person-name[data-astro-cid-jo6i4kqk]{font-size:var(--identification-name);margin-bottom:.15rem}.person-name[data-astro-cid-jo6i4kqk] strong[data-astro-cid-jo6i4kqk]{color:var(--cream-100);font-weight:600}.brokerage-name[data-astro-cid-jo6i4kqk]{font-size:var(--identification-broker);color:var(--cream-100);margin-bottom:.2rem;font-weight:700;line-height:1.3;display:block}.brokerages[data-astro-cid-jo6i4kqk] p[data-astro-cid-jo6i4kqk]{gap:.1rem;margin-bottom:1.1rem;display:grid}.brokerages[data-astro-cid-jo6i4kqk] a[data-astro-cid-jo6i4kqk]{justify-self:start}.kw-logo[data-astro-cid-jo6i4kqk]{width:auto;height:20px;margin-bottom:.55rem}.kw-logo[data-astro-cid-jo6i4kqk].al{height:26px}.links[data-astro-cid-jo6i4kqk]{gap:.2rem;margin:0;padding:0;list-style:none;display:grid}.links[data-astro-cid-jo6i4kqk] a[data-astro-cid-jo6i4kqk]{text-decoration:none}.links[data-astro-cid-jo6i4kqk] a[data-astro-cid-jo6i4kqk]:hover{text-decoration:underline}.social-row[data-astro-cid-jo6i4kqk]{justify-content:space-between;align-items:baseline;gap:.5rem var(--space-m);padding:var(--space-s) 0;border-top:1px solid var(--navy-700);border-bottom:1px solid var(--navy-700);flex-wrap:wrap;display:flex}.social[data-astro-cid-jo6i4kqk]{flex-wrap:wrap;gap:.25rem 1.25rem;margin:0;padding:0;font-weight:600;list-style:none;display:flex}.social[data-astro-cid-jo6i4kqk] a[data-astro-cid-jo6i4kqk]{min-height:24px;text-decoration:none;display:inline-block}.social[data-astro-cid-jo6i4kqk] a[data-astro-cid-jo6i4kqk]:hover{text-decoration:underline}.bottom[data-astro-cid-jo6i4kqk]{margin:0}.disclosures[data-astro-cid-jo6i4kqk]{padding-top:var(--space-s)}.disclosures[data-astro-cid-jo6i4kqk] p[data-astro-cid-jo6i4kqk]{color:var(--navy-300);margin-bottom:.4rem}.disclosures[data-astro-cid-jo6i4kqk] p[data-astro-cid-jo6i4kqk]:first-child{color:var(--cream-200)}@media (width<=980px){.top[data-astro-cid-jo6i4kqk]{gap:var(--space-m);grid-template-columns:1fr 1fr}}@media (width<=620px){.top[data-astro-cid-jo6i4kqk]{gap:var(--space-s);grid-template-columns:1fr}.social-row[data-astro-cid-jo6i4kqk]{flex-direction:column;align-items:flex-start}}.licensee-line[data-astro-cid-f72sbb3i]{background:var(--white);border-bottom:1px solid var(--hairline);color:var(--navy-800)}.inner[data-astro-cid-f72sbb3i]{flex-wrap:wrap;justify-content:space-between;align-items:baseline;gap:.15rem 1.5rem;padding-top:.4rem;padding-bottom:.4rem;display:flex}.who[data-astro-cid-f72sbb3i]{font-size:var(--identification-name);margin:0;line-height:1.4}.revised[data-astro-cid-f72sbb3i]{margin:0;font-size:.8rem;line-height:1.4}.name[data-astro-cid-f72sbb3i]{font-size:var(--identification-name);color:var(--navy-950);font-weight:600}.revised[data-astro-cid-f72sbb3i]{color:var(--muted)}.sep[data-astro-cid-f72sbb3i]{color:var(--navy-300);padding:0 .15rem}.licensee-line[data-astro-cid-f72sbb3i] a[data-astro-cid-f72sbb3i]{color:inherit;border-bottom:1px solid var(--hairline);text-decoration:none}.licensee-line[data-astro-cid-f72sbb3i] a[data-astro-cid-f72sbb3i]:hover{color:var(--accent-strong);border-bottom-color:currentColor}@media (width<=720px){.inner[data-astro-cid-f72sbb3i]{gap:.1rem;display:grid}.licensee-line[data-astro-cid-f72sbb3i] a[data-astro-cid-f72sbb3i]{min-height:22px;display:inline-block}}:root{--navy-950:#0d1729;--navy-900:#182848;--navy-800:#223258;--navy-700:#304673;--navy-500:#526088;--navy-300:#91a0bf;--cream-100:#fbf8f2;--cream-200:#f6f1e7;--cream-300:#ede4d3;--red-500:#d02828;--red-600:#ad1f1f;--ink:var(--navy-900);--paper:var(--cream-100);--paper-alt:var(--cream-200);--border:var(--cream-300);--accent:var(--red-500);--accent-strong:var(--red-600);--muted:var(--navy-500);--font-serif:"Georgia", "Iowan Old Style", "Palatino Linotype", serif;--font-sans:-apple-system, BlinkMacSystemFont, "Segoe UI", Helvetica, Arial, sans-serif;--radius:4px;--max-width:1120px;--white:#fff;--sand:#f2ece0;--ink-strong:var(--navy-950);--hairline:#e2d9c8;--space-2xs:.375rem;--space-xs:.75rem;--space-s:1.25rem;--space-m:2rem;--space-l:3.25rem;--space-xl:5rem;--measure:36rem;--identification-name:.9rem;--identification-broker:1.05rem;--header-h:76px}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:calc(var(--header-h) + var(--space-s))}@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,:before,:after{transition-duration:.01ms!important;animation-duration:.01ms!important;animation-iteration-count:1!important}}body{background:var(--paper);color:var(--ink);font-family:var(--font-sans);-webkit-font-smoothing:antialiased;margin:0;font-size:17px;line-height:1.6}img{max-width:100%;display:block}.prose h2{margin-top:2.2em;font-size:1.4rem}.prose h3{margin-top:1.6em;font-size:1.1rem}.prose ol{counter-reset:step;gap:1rem;padding-left:0;list-style:none;display:grid}.prose ol li{counter-increment:step;padding-left:2.6rem;position:relative}.prose ol li:before{content:counter(step);background:var(--navy-900);width:1.8rem;height:1.8rem;color:var(--cream-100);border-radius:50%;justify-content:center;align-items:center;font-size:.85rem;font-weight:600;display:flex;position:absolute;top:.05em;left:0}.prose ul{padding-left:1.3rem}.prose ul li{margin-bottom:.4rem}.prose blockquote{border-left:3px solid var(--accent);color:var(--navy-800);font-family:var(--font-serif);margin:1.75rem 0;padding:.6rem 0 .6rem 1.2rem}.prose blockquote p:last-child{margin-bottom:0}.prose table{border-collapse:collapse;width:100%;margin:1.5rem 0;font-size:.95rem}.prose th,.prose td{text-align:left;border-bottom:1px solid var(--border);padding:.6rem .8rem}.prose th{font-family:var(--font-sans);text-transform:uppercase;letter-spacing:.05em;color:var(--muted);font-size:.78rem;font-weight:600}.prose .scale{overflow-x:auto}.prose .checklist{background:var(--cream-200);border:1px solid var(--border);border-left:3px solid var(--accent);border-radius:var(--radius);margin:2.75rem 0 0;padding:1.5rem 1.75rem}.prose .checklist h3{margin-top:0;font-size:1.05rem}.prose .checklist ul{margin-bottom:0;padding-left:0;list-style:none}.prose .checklist li{margin-bottom:.55rem;padding-left:1.7rem;position:relative}.prose .checklist li:last-child{margin-bottom:0}.prose .checklist li:before{content:"";border:1.5px solid var(--navy-500);border-radius:2px;width:.85rem;height:.85rem;position:absolute;top:.45em;left:0}h1,h2,h3,h4{font-family:var(--font-serif);color:var(--navy-950);margin:0 0 .5em;font-weight:400;line-height:1.15}h1{font-size:clamp(2rem,4vw,3.1rem)}.display{font-family:var(--font-serif);letter-spacing:-.015em;text-wrap:balance;margin:0;font-size:clamp(2.4rem,6vw,4rem);font-weight:400;line-height:1.05}h2{font-size:clamp(1.5rem,2.6vw,2.1rem)}h3{font-size:1.3rem}p{margin:0 0 1.1em}a{color:var(--navy-800);-webkit-text-decoration-color:var(--accent);text-decoration-color:var(--accent);text-underline-offset:3px}a:hover{color:var(--accent-strong)}.container{max-width:var(--max-width);margin:0 auto;padding:0 1.5rem}.btn{border-radius:var(--radius);cursor:pointer;font-size:.95rem;font-family:var(--font-sans);border:1px solid #0000;padding:.7em 1.4em;text-decoration:none;display:inline-block}.btn-primary{background:var(--navy-900);color:var(--cream-100)}.btn-primary:hover{background:var(--navy-800);color:var(--cream-100)}.btn-secondary{border-color:var(--navy-900);color:var(--navy-900);background:0 0}.btn-secondary:hover{background:var(--navy-900);color:var(--cream-100)}.eyebrow{text-transform:uppercase;letter-spacing:.08em;color:var(--accent-strong);font-size:.78rem;font-weight:600}.card{background:var(--cream-100);border:1px solid var(--border);border-radius:var(--radius);padding:1.5rem}.section{padding:3.5rem 0}.section-alt{background:var(--paper-alt)}:focus-visible{outline:3px solid var(--accent);outline-offset:2px;border-radius:2px}main:focus{outline:none}.skip-link{z-index:100;background:var(--navy-950);color:var(--cream-100);border-radius:var(--radius);padding:.7em 1.2em;text-decoration:none;transition:top .15s;position:absolute;top:-4rem;left:.5rem}.skip-link:focus{color:var(--cream-100);top:.5rem}.visually-hidden{clip:rect(0, 0, 0, 0);white-space:nowrap;border:0;width:1px;height:1px;margin:-1px;padding:0;position:absolute;overflow:hidden}.todo-note{color:#6b4e00;border-radius:var(--radius);background:#fff7e6;border:1px dashed #c99a2e;margin:1.5rem 0;padding:.9rem 1.1rem;font-size:.9rem}@media (width<=720px){.section{padding:2.5rem 0}}.calc{max-width:40rem}.calc .grid{grid-template-columns:1fr 1fr;gap:1rem 1.25rem;margin-bottom:1.75rem;display:grid}.calc .field{gap:.35rem;display:grid}.calc .field label{color:var(--navy-800);font-size:.85rem}.calc .field .muted{color:var(--muted);font-weight:400}.calc .prefixed{border:1px solid var(--border);border-radius:var(--radius);background:var(--cream-100);align-items:center;display:flex;overflow:hidden}.calc .prefixed span{color:var(--muted);flex-shrink:0;padding:0 .5em;font-size:.9rem}.calc .prefixed.suffixed span:last-child{order:2}.calc .prefixed input,.calc .prefixed select{order:1}.calc .prefixed input{font:inherit;width:100%;color:var(--ink);background:0 0;border:none;padding:.6em .4em}.calc .prefixed input:focus{outline:none}.calc .select-box{font:inherit;border:1px solid var(--border);border-radius:var(--radius);background:var(--cream-100);color:var(--ink);width:100%;padding:.6em .7em}.calc .result{border-top:1px solid var(--border);padding-top:1.5rem}.calc .total{flex-wrap:wrap;justify-content:space-between;align-items:baseline;gap:.5rem;margin-bottom:1rem;display:flex}.calc .total .label{color:var(--navy-800);font-size:.95rem}.calc .total .amount{font-family:var(--font-serif);color:var(--navy-950);font-size:2rem}.calc .breakdown{gap:.4rem;margin:0 0 1.25rem;display:grid}.calc .breakdown>div{justify-content:space-between;font-size:.9rem;display:flex}.calc .breakdown dt{color:var(--muted);font-weight:400}.calc .breakdown dd{color:var(--navy-800);margin:0}@media (width<=560px){.calc .grid{grid-template-columns:1fr}}@media (width<=860px){.btn{justify-content:center;align-items:center;min-height:44px;display:inline-flex}summary{align-content:center;min-height:44px}.more-link a,.more a,a.more,.row-head a,.issue-nav a,.back a,.moving-link a{align-items:center;min-height:44px;display:inline-flex}}input[type=checkbox]{flex-shrink:0;width:20px;height:20px}.section-white{background:var(--white)}.section-sand{background:var(--sand)}.section-navy{background:var(--navy-950);color:var(--cream-200)}.section-navy h1,.section-navy h2,.section-navy h3,.section-navy a{color:var(--cream-100)}.section-navy .eyebrow{color:var(--navy-300)}.section-tight{padding:var(--space-m) 0}.section-loose{padding:var(--space-xl) 0}.measure{max-width:var(--measure)}.lede{font-family:var(--font-serif);color:var(--navy-800);max-width:var(--measure);margin:var(--space-xs) 0 0;font-size:clamp(1.05rem,1.6vw,1.25rem);line-height:1.55}.rule{border:0;border-top:1px solid var(--hairline);margin:var(--space-m) 0}.sec-head{margin-bottom:var(--space-m)}.sec-head h2{margin:0}.sec-head .eyebrow{margin-bottom:var(--space-2xs)}.page-head{background:var(--white);padding:var(--space-l) 0 var(--space-m)}.page-head h1{margin:var(--space-2xs) 0 0;max-width:24ch}.page-head .lede{margin-top:var(--space-xs)}.page-head .eyebrow a{color:inherit;text-decoration:none}.page-head .eyebrow a:hover{text-decoration:underline}@media (width<=720px){.page-head{padding-top:var(--space-m)}}.page-head+.section{padding-top:var(--space-s)}.with-rail{grid-template-columns:minmax(0, var(--measure)) minmax(0, 1fr);gap:var(--space-l);align-items:start;display:grid}.rail{border-top:2px solid var(--navy-950);padding-top:var(--space-xs)}.rail-stack{align-self:start}@media (height>=720px){.rail-stack{top:calc(var(--header-h) + var(--space-s));position:sticky}}.rail-head{font-family:var(--font-sans);letter-spacing:.12em;text-transform:uppercase;color:var(--muted);margin:0 0 var(--space-2xs);font-size:.74rem;font-weight:700}.rail+.rail{margin-top:var(--space-m)}.rail-list{margin:0;padding:0;list-style:none}.rail-list li{border-bottom:1px solid var(--hairline)}.rail-list a{min-height:44px;color:var(--navy-900);align-items:center;font-size:.95rem;font-weight:600;text-decoration:none;display:flex}.rail-list a:after{content:"→";color:var(--accent);margin-left:auto}.rail-list a:hover{color:var(--accent-strong)}@media (width<=900px){.with-rail{gap:var(--space-m);grid-template-columns:1fr}.rail-stack{position:static}}.btn-text{min-height:44px;color:var(--navy-950);border-bottom:2px solid var(--accent);align-items:center;gap:.4rem;padding-bottom:1px;font-weight:600;text-decoration:none;display:inline-flex}.btn-text:hover{border-bottom-color:var(--navy-950)}.section-navy .btn-text{color:var(--cream-100);border-bottom-color:var(--accent)}