@font-face{font-family:"BHB Editorial";src:url("fonts/bhb-editorial-400-latin-v2.woff2") format("woff2");font-style:normal;font-weight:400;font-display:swap}
@font-face{font-family:"BHB Sans";src:url("fonts/bhb-sans-400-latin-v2.woff2") format("woff2");font-style:normal;font-weight:400;font-display:swap}
@font-face{font-family:"BHB Sans";src:url("fonts/bhb-sans-600-latin-v2.woff2") format("woff2");font-style:normal;font-weight:600;font-display:swap}
:root{--bhq-paper:#fbf8f0;--bhq-cream:#f1eadf;--bhq-ink:#18231f;--bhq-copy:#445149;--bhq-muted:#6a756f;--bhq-line:#d9d2c5;--bhq-forest:#183d32;--bhq-deep:#0f2e27;--bhq-rust:#bc5535;--bhq-rust-dark:#963d25;--bhq-sage:#dbe4dc;--bhq-white:#fff}
.bhq-page *,.bhq-page *::before,.bhq-page *::after{box-sizing:border-box}
body.bhb-quote-replies-page{margin:0!important;padding:0!important;background:var(--bhq-paper);color:var(--bhq-ink)}
body.bhb-quote-replies-page{font-family:"BHB Sans",Arial,sans-serif;font-size:17px;line-height:1.7;overflow-wrap:break-word;-webkit-font-smoothing:antialiased}
.bhq-page{width:100%;overflow:hidden;background:var(--bhq-paper);color:var(--bhq-ink)}
.bhq-page a{color:inherit;text-decoration:none}.bhq-page img{display:block;max-width:100%;height:auto}.bhq-page h1,.bhq-page h2,.bhq-page h3{margin:0;font-family:"BHB Editorial",Georgia,serif;font-weight:400;letter-spacing:-.027em;line-height:1.08;text-wrap:pretty}
.bhq-shell{width:min(1180px,calc(100% - 48px));margin-inline:auto}
.bhq-sponsored-bar{color:#ecf2ee;background:var(--bhq-deep);font-size:11px;letter-spacing:.055em;text-transform:uppercase}.bhq-sponsored-bar .bhq-shell{min-height:39px;display:flex;align-items:center;justify-content:space-between;gap:20px}.bhq-sponsored-bar strong{padding:4px 10px;border:1px solid rgba(255,255,255,.35);border-radius:999px;font-size:10px;letter-spacing:.13em}
.bhq-brand-row{min-height:116px;display:flex;flex-direction:column;align-items:center;justify-content:center;padding:20px;background:#fffdf8;text-align:center}.bhq-brand{display:flex;align-items:center;gap:13px;color:var(--bhq-deep)!important}.bhq-brand svg{width:42px;fill:none;stroke:currentColor;stroke-linecap:round;stroke-linejoin:round;stroke-width:1.5}.bhq-brand>span{display:flex;flex-direction:column;align-items:flex-start;font-family:"BHB Editorial",Georgia,serif;font-size:27px;line-height:.86}.bhq-brand strong{font-weight:400}.bhq-brand em{color:var(--bhq-rust);font-size:22px;font-style:normal}.bhq-brand-row>p{margin:12px 0 0;color:var(--bhq-muted);font-size:9px;font-weight:600;letter-spacing:.25em;text-transform:uppercase}
.bhq-nav{border-block:1px solid var(--bhq-line);background:#fffdf8}.bhq-nav .bhq-shell{min-height:49px;display:flex;align-items:center;justify-content:center;gap:8px}.bhq-nav a{padding:14px 16px;color:var(--bhq-forest);font-size:11px;font-weight:600;letter-spacing:.09em;text-transform:uppercase}.bhq-nav a:hover,.bhq-nav a:focus-visible{color:var(--bhq-rust)}
.bhq-article{padding:68px 0 0}.bhq-article-header{width:min(930px,calc(100% - 48px));margin:0 auto 38px;text-align:center}.bhq-kicker{margin:0 0 17px;color:var(--bhq-rust);font-size:11px;font-weight:600;letter-spacing:.17em;text-transform:uppercase}.bhq-article-header h1{font-size:clamp(44px,6.5vw,78px)}.bhq-deck{max-width:790px;margin:24px auto 22px;color:var(--bhq-copy);font-family:"BHB Editorial",Georgia,serif;font-size:clamp(21px,2.35vw,29px);line-height:1.48}.bhq-byline{display:flex;justify-content:center;gap:22px;color:var(--bhq-muted);font-size:11px;font-weight:600;letter-spacing:.06em;text-transform:uppercase}.bhq-byline span+span{position:relative}.bhq-byline span+span::before{position:absolute;top:50%;left:-13px;width:3px;height:3px;border-radius:50%;background:var(--bhq-rust);content:""}
.bhq-hero{width:min(1180px,100%);margin:0 auto;background:#fff}.bhq-hero img{width:100%;aspect-ratio:16/9;object-fit:cover}.bhq-hero figcaption{padding:13px 20px;color:var(--bhq-muted);font-size:12px;line-height:1.55}
.bhq-disclosure{width:min(900px,calc(100% - 48px));margin:22px auto 0;padding:17px 20px;border:1px solid #d7cbbc;border-left:5px solid var(--bhq-rust);background:#fffdf8;color:#615c55;font-size:13px;line-height:1.62}.bhq-disclosure strong{color:var(--bhq-ink)}
.bhq-copy{width:min(800px,calc(100% - 48px));margin:0 auto;padding:55px 0 75px}.bhq-copy p,.bhq-copy li{color:var(--bhq-copy);font-size:18px;line-height:1.82}.bhq-copy p{margin:0 0 25px}.bhq-copy .bhq-lead{color:var(--bhq-deep);font-family:"BHB Editorial",Georgia,serif;font-size:clamp(25px,3.1vw,34px);line-height:1.47}.bhq-copy h2{margin:58px 0 20px;color:var(--bhq-deep);font-size:clamp(35px,4.3vw,50px)}
.bhq-note{margin:38px 0 45px;padding:24px 26px;border:1px solid #cad7cf;border-left:6px solid var(--bhq-forest);background:#eff4f0;color:#4c5c53;box-shadow:0 8px 24px rgba(24,61,50,.06)}.bhq-note strong{color:var(--bhq-deep)}
.bhq-checklist{margin:24px 0 45px;padding:0;list-style:none;counter-reset:bhq}.bhq-checklist li{position:relative;margin:0 0 13px;padding:18px 20px 18px 62px;border:1px solid var(--bhq-line);background:#fffdf8;counter-increment:bhq}.bhq-checklist li::before{position:absolute;top:19px;left:20px;width:27px;height:27px;border-radius:50%;background:var(--bhq-forest);color:#fff;font-size:12px;font-weight:600;line-height:27px;text-align:center;content:counter(bhq)}.bhq-checklist strong{display:block;color:var(--bhq-deep)}.bhq-checklist span{display:block;margin-top:2px;color:var(--bhq-copy)}
.bhq-figure{margin:44px 0;overflow:hidden;border:1px solid var(--bhq-line);background:#fff;box-shadow:0 16px 45px rgba(15,46,39,.09)}.bhq-figure-wide{width:min(930px,calc(100vw - 40px));margin-left:50%;transform:translateX(-50%)}.bhq-figure img{width:100%;max-height:620px;object-fit:cover}.bhq-figure:not(.bhq-figure-wide) img{aspect-ratio:3/2}.bhq-figure-wide img{aspect-ratio:16/9;object-position:center 52%}.bhq-figure figcaption{display:grid;grid-template-columns:minmax(155px,.42fr) 1fr;gap:20px;padding:17px 20px 19px;color:var(--bhq-muted);font-size:13px;line-height:1.58}.bhq-figure figcaption strong{color:var(--bhq-deep);font-family:"BHB Editorial",Georgia,serif;font-size:19px;font-weight:400}
.bhq-button{display:inline-flex;align-items:center;justify-content:center;gap:10px;max-width:100%;padding:15px 23px;border:0;background:var(--bhq-rust);box-shadow:0 9px 24px rgba(150,61,37,.19);color:#fff!important;font-size:14px;font-weight:600;line-height:1.35;transition:background .18s ease,transform .18s ease}.bhq-button:hover,.bhq-button:focus-visible{background:var(--bhq-rust-dark);transform:translateY(-1px)}
.bhq-inline-cta{margin:36px 0 47px;padding:26px 28px;border:1px solid #dbcbbd;background:#f5ede2;text-align:center}.bhq-inline-cta p{margin:0 0 17px;color:var(--bhq-deep);font-size:17px;line-height:1.55}.bhq-inline-cta small,.bhq-mid-cta small{display:block;margin-top:12px;color:var(--bhq-muted);font-size:11px;line-height:1.5}.bhq-inline-cta-dark{border-color:var(--bhq-deep);background:var(--bhq-deep)}.bhq-inline-cta-dark p,.bhq-inline-cta-dark small{color:#dce7e1}.bhq-inline-cta-dark p strong{color:#fff}
.bhq-mid-cta{margin:48px 0;padding:34px 31px;border:1px solid #b9c9c0;background:var(--bhq-sage);text-align:center}.bhq-mid-cta>span{color:var(--bhq-rust-dark);font-size:10px;font-weight:600;letter-spacing:.14em;text-transform:uppercase}.bhq-mid-cta h2{margin:8px 0 13px;font-size:34px}.bhq-mid-cta p{margin:0 auto 20px;max-width:620px;color:#3f4f46;font-size:16px;line-height:1.65}
.bhq-safety{margin-top:48px!important;padding:23px 25px;border:1px solid #dfd3c2;background:#f3ece1;color:#64594d!important;font-size:14px!important;line-height:1.68!important}.bhq-safety strong{color:var(--bhq-rust-dark)}
.bhq-final{padding:78px 24px;background:var(--bhq-deep);color:#fff;text-align:center}.bhq-final .bhq-shell{max-width:890px}.bhq-final .bhq-kicker{color:#e3b8a9}.bhq-final h2{color:#fff;font-size:clamp(39px,5.2vw,61px)}.bhq-final p:not(.bhq-kicker){max-width:720px;margin:20px auto 28px;color:#d7e2dc;font-size:18px}.bhq-button-light{background:#fff;color:var(--bhq-deep)!important;box-shadow:none}.bhq-button-light:hover,.bhq-button-light:focus-visible{background:#f1e4d8;color:var(--bhq-deep)!important}
.bhq-legal{width:min(900px,calc(100% - 48px));margin:0 auto;padding:39px 0 27px;color:#6f6962;font-size:12px;line-height:1.72}.bhq-legal p{margin:0 0 13px}.bhq-legal strong{color:#4f4943}
.bhq-footer{border-top:1px solid #344f46;background:var(--bhq-forest);color:#dce6e0}.bhq-footer-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:70px;padding-top:52px;padding-bottom:42px}.bhq-footer-brand{color:#fff!important;font-family:"BHB Editorial",Georgia,serif;font-size:32px}.bhq-footer p{max-width:520px;color:#bac9c1;font-size:13px}.bhq-footer .bhq-footer-disclosure{margin-top:20px;padding-top:17px;border-top:1px solid rgba(255,255,255,.16);font-size:12px;line-height:1.65}.bhq-footer .bhq-footer-disclosure strong{color:#fff}.bhq-footer h2{margin:0 0 16px;color:#fff;font-family:"BHB Sans",Arial,sans-serif;font-size:11px;font-weight:600;letter-spacing:.15em;text-transform:uppercase}.bhq-footer nav{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px 24px}.bhq-footer nav a{color:#dce6e0;font-size:13px}.bhq-footer nav a:hover{color:#fff;text-decoration:underline}.bhq-footer-bottom{display:flex;justify-content:space-between;gap:20px;padding-top:20px;padding-bottom:23px;border-top:1px solid rgba(255,255,255,.16);color:#9eb2a8;font-size:11px}
@media(max-width:760px){.bhq-shell,.bhq-article-header,.bhq-disclosure,.bhq-copy,.bhq-legal{width:calc(100% - 40px)}.bhq-nav .bhq-shell{justify-content:flex-start;overflow-x:auto;scrollbar-width:none}.bhq-nav .bhq-shell::-webkit-scrollbar{display:none}.bhq-nav a{flex:0 0 auto;padding:14px 11px;font-size:10px}.bhq-article{padding-top:49px}.bhq-article-header h1{font-size:clamp(40px,11.5vw,58px)}.bhq-byline{display:block}.bhq-byline span{display:block;margin-top:5px}.bhq-byline span+span::before{display:none}.bhq-hero figcaption{padding-inline:14px}.bhq-copy{padding-top:46px}.bhq-copy h2{margin-top:49px}.bhq-figure figcaption{display:block}.bhq-figure figcaption strong{display:block;margin-bottom:5px}.bhq-footer-grid{grid-template-columns:1fr;gap:31px}.bhq-footer-bottom{display:block}.bhq-footer-bottom span{display:block;margin-top:5px}}
@media(max-width:430px){.bhq-sponsored-bar .bhq-shell{justify-content:center}.bhq-sponsored-bar .bhq-shell>span{display:none}.bhq-brand-row{min-height:101px}.bhq-brand>span{font-size:24px}.bhq-brand em{font-size:19px}.bhq-article-header h1{font-size:39px}.bhq-copy p,.bhq-copy li{font-size:17px}.bhq-checklist li{padding-left:55px}.bhq-checklist li::before{left:16px}.bhq-inline-cta,.bhq-mid-cta{padding:25px 20px}.bhq-footer nav{grid-template-columns:1fr}}
@media(prefers-reduced-motion:reduce){*,*::before,*::after{scroll-behavior:auto!important;transition:none!important}}

.bhq-page{font:17px/1.7 "BHB Sans",Arial,sans-serif}.bhq-page a:focus-visible{outline:3px solid #bc5535;outline-offset:4px}.bhq-skip{position:absolute;left:10px;top:-100px;z-index:10000;background:white;padding:12px}.bhq-skip:focus{top:10px}.bhq-topbar{background:#0f2e27;color:#ecf2ee;font-size:11px;letter-spacing:.06em;text-transform:uppercase}.bhq-topbar .bhq-shell{display:flex;justify-content:space-between;gap:20px;padding:12px 0}.bhq-topbar strong{font-weight:600}.bhq-top-disclaimer{margin:0;padding:10px 20px;text-align:center;background:#e9e1d2;color:#4b574e;font-size:11px;line-height:1.5}.bhq-article-header{padding-top:58px}.bhq-article-header h1{font-size:clamp(38px,5.2vw,67px);line-height:1.07}.bhq-article-header h1 em{font-style:normal;color:#a9482a}.bhq-article-header .bhq-deck{font:19px/1.7 "BHB Sans",Arial,sans-serif;max-width:750px}.bhq-byline{flex-wrap:wrap;gap:8px 20px}.bhq-byline time{font-weight:600}.bhq-hero img{max-height:535px;object-position:center}.bhq-nav{display:flex;justify-content:center;gap:12px}.bhq-copy{padding-top:42px}.bhq-copy .bhq-illustration-note{padding:18px 20px;background:#e9e1d2;color:#445149;font-size:13px;line-height:1.65}.bhq-copy .bhq-section-index{margin:40px 0 12px;font-size:11px;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:#a9482a}.bhq-section-index+h2{margin-top:0}.bhq-copy section{scroll-margin-top:25px}.bhq-copy blockquote{margin:35px 0;padding:26px 28px;border-left:3px solid #80936e;background:#eff1e9;font:23px/1.6 "BHB Editorial",Georgia,serif;color:#183d32}.bhq-copy blockquote cite{display:block;margin-top:16px;font:11px/1.65 "BHB Sans",Arial,sans-serif;color:#5d665f}.bhq-message{display:flex;gap:23px;align-items:flex-start;margin:43px 0;padding:30px 28px;background:#dbe4dc;border:1px solid #bccbc0;border-left:5px solid #183d32;color:#18231f}.bhq-message-icon{display:flex;align-items:center;justify-content:center;flex:0 0 54px;width:54px;height:54px;background:#183d32;color:#fff;border-radius:8px}.bhq-message-icon svg{width:27px;height:27px;fill:none;stroke:currentColor;stroke-width:1.5;stroke-linecap:round;stroke-linejoin:round}.bhq-message-body{min-width:0}.bhq-copy .bhq-message-label{display:flex;flex-wrap:wrap;gap:6px 16px;margin:0 0 12px;font:10px/1.5 "BHB Sans",Arial,sans-serif;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:inherit}.bhq-message-label span{opacity:.75}.bhq-copy .bhq-message h2{font-size:clamp(26px,3.1vw,34px);line-height:1.2;color:inherit;margin:0 0 12px}.bhq-copy .bhq-message-body>p:not(.bhq-message-label){color:inherit;opacity:.87;font-size:15px;line-height:1.7;margin:0 0 17px}.bhq-message-actions{display:flex;align-items:center;flex-wrap:wrap;gap:14px 20px;margin-bottom:16px}.bhq-message-actions a{font-size:11px;font-weight:600;text-decoration:underline;text-underline-offset:4px}.bhq-message-actions .bhq-message-link{font-size:13px;border-bottom:1px solid currentColor;padding-bottom:4px;text-decoration:none}.bhq-message small{display:block;font-size:10px;line-height:1.6;opacity:.78}.bhq-message--email{background:#f5ecdf;border-color:#d6c9b9;border-left-color:#bc5535}.bhq-message--email .bhq-message-icon{background:#bc5535}.bhq-message--phone{background:#183d32;border-color:#183d32;color:#fffdf8}.bhq-message--phone .bhq-message-icon{background:#eef0e7;color:#183d32}.bhq-message--details{background:#edf0e5;border-color:#c9d1bd;border-left-color:#80936e}.bhq-message--details .bhq-message-icon{background:#5e7250}.bhq-message--followup{background:#9a4329;border-color:#9a4329;color:#fffdf8}.bhq-message--followup .bhq-message-icon{background:#f6e6d7;color:#9a4329}.bhq-resource{margin:48px 0;padding:35px 30px;background:#dbe4dc;border:1px solid #bccbc0;text-align:center}.bhq-resource h2{margin:10px 0 16px;font-size:36px}.bhq-resource>p:not(.bhq-kicker){font-size:16px;line-height:1.7}.bhq-resource small{display:block;margin-top:15px;font-size:11px;color:#445149;line-height:1.6}.bhq-checklist li{padding:18px 20px 18px 62px}.bhq-checklist strong{display:inline}.bhq-table-wrap{overflow-x:auto;margin:30px 0}.bhq-table-wrap table{width:100%;border-collapse:collapse;table-layout:fixed;color:#445149;font-size:15px;line-height:1.65}.bhq-table-wrap caption{caption-side:top;text-align:left;font-size:12px;font-weight:600;padding-bottom:14px;color:#183d32}.bhq-table-wrap th,.bhq-table-wrap td{padding:16px 18px;text-align:left;vertical-align:top;border-bottom:1px solid #d9d2c5;overflow-wrap:anywhere}.bhq-table-wrap thead{background:#e9e1d2}.bhq-table-wrap th:first-child{width:30%}.bhq-table-wrap tbody th{font-weight:600;color:#183d32}.bhq-content-disclaimer{margin-top:45px;padding:22px 24px;background:#e9e1d2;font-size:13px;line-height:1.7;color:#4b574e}.bhq-content-disclaimer a,.bhq-disclosure a,.bhq-bottom-notices a{border-bottom:1px solid currentColor}.bhq-final small{display:block;margin-top:17px;font-size:11px;color:#cfdbd4}.bhq-bottom-notices{width:min(900px,calc(100% - 48px));margin:auto;padding:35px 0;color:#5d665f;font-size:12px;line-height:1.8}.bhq-footer-grid{padding:50px 0 42px}.bhq-footer nav{display:grid;grid-template-columns:1fr 1fr;gap:12px}.bhq-footer h2{font-size:11px;font-family:"BHB Sans",Arial,sans-serif;font-weight:600;letter-spacing:.12em;margin-bottom:20px}.bhq-footer a:hover{text-decoration:underline}.bhq-footer-bottom{padding:20px 0}.bhq-page .bhq-figure{box-shadow:none}.bhq-figure img{aspect-ratio:3/2;max-height:535px}.bhq-figure figcaption{display:block;font-size:12px}
@media(max-width:760px){.bhq-topbar .bhq-shell{font-size:9px;gap:10px}.bhq-nav{gap:0}.bhq-nav a{padding:14px 10px;font-size:10px}.bhq-article-header{padding-top:40px}.bhq-article-header h1{font-size:clamp(37px,9vw,55px)}.bhq-article-header .bhq-deck{font-size:17px}.bhq-byline{display:flex;font-size:9px}.bhq-message{padding:25px 21px;gap:15px}.bhq-message-icon{width:42px;height:42px;flex-basis:42px}.bhq-message-icon svg{width:23px;height:23px}.bhq-copy .bhq-message h2{font-size:27px}.bhq-message-actions{display:block}.bhq-message-actions a{display:block;width:fit-content;margin-top:14px}.bhq-copy .bhq-section-index{margin-top:30px}.bhq-resource h2{font-size:31px}.bhq-bottom-notices{width:calc(100% - 40px)}.bhq-table-wrap th,.bhq-table-wrap td{padding:13px 9px;font-size:13px}}
@media(max-width:430px){.bhq-topbar .bhq-shell>span{display:none}.bhq-topbar .bhq-shell{justify-content:center}.bhq-message{display:block}.bhq-message-icon{margin-bottom:18px}.bhq-copy .bhq-message h2{font-size:28px}.bhq-message small{font-size:11px}.bhq-button{width:100%;padding-inline:14px}.bhq-checklist li{padding-left:54px}.bhq-footer nav{grid-template-columns:1fr 1fr}.bhq-copy blockquote{font-size:21px;padding:22px}.bhq-table-wrap th:first-child{width:33%}}