:root{--navy:#182b42;--blue:#224c77;--ink:#23364b;--muted:#485d72;--line:#d6e0e9;--light:#eef4f8;--accent:#ad3c1f;--white:#fff;--radius:12px}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:120px}body{margin:0;font-family:Arial,Helvetica,sans-serif;font-size:18px;line-height:1.65;color:var(--ink);background:#fff}h1,h2,h3,p{margin-top:0}h1,h2,h3{color:var(--navy);line-height:1.17;letter-spacing:-.025em}h1{font-size:clamp(2.3rem,4.3vw,4rem);max-width:850px;margin-bottom:24px}h2{font-size:clamp(1.85rem,3vw,2.75rem);margin-bottom:24px}h3{font-size:1.35rem;line-height:1.3;margin-bottom:14px}a{color:var(--blue);text-underline-offset:4px}a:hover{color:var(--accent)}img{max-width:100%;height:auto;display:block}.container{width:min(1200px,calc(100% - 64px));margin:auto}.eyebrow{font-size:.88rem;font-weight:700;letter-spacing:.13em;text-transform:uppercase;color:var(--blue);margin-bottom:18px}.section{padding:90px 0}.light{background:var(--light)}.lead{font-size:1.2rem;line-height:1.6;color:var(--muted);max-width:680px}.intro{max-width:750px;margin-bottom:36px}.button{display:inline-flex;align-items:center;justify-content:center;padding:14px 23px;border-radius:8px;font-size:1rem;font-weight:700;text-decoration:none;min-height:52px;background:var(--accent);color:white;border:1px solid var(--accent);line-height:1.3}.button:hover{background:#87301b;color:white}.button.secondary{background:white;color:var(--navy);border-color:var(--line)}.button.secondary:hover{border-color:var(--blue);color:var(--blue)}.actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:30px}.skip{position:fixed;top:-100px;left:12px;z-index:100;padding:12px;background:white}.skip:focus{top:12px}:focus-visible{outline:3px solid #bf5a1f;outline-offset:4px}.header{position:sticky;top:0;background:white;z-index:30;border-bottom:1px solid var(--line)}.header-inner{display:flex;align-items:center;gap:28px;justify-content:space-between;min-height:96px;padding:12px 0}.brand{display:flex;align-items:center;gap:22px;text-decoration:none;color:var(--navy)}.brand img{width:180px;height:auto}.brand-tag{font-size:.84rem;line-height:1.45;border-left:1px solid var(--line);padding-left:20px;max-width:160px}.navigation{display:flex;align-items:center;gap:26px;font-size:1rem;font-weight:700}.navigation>a{text-decoration:none;color:var(--navy)}.menu{position:relative}.menu summary{cursor:pointer;list-style:none;display:flex;align-items:center;gap:9px}.menu summary::-webkit-details-marker{display:none}.menu-chevron{display:block;flex:0 0 18px;width:18px;height:18px;color:#b63835;transition:transform .18s ease}.menu[open] .menu-chevron{transform:rotate(180deg)}.dropdown{position:absolute;right:0;top:calc(100% + 18px);width:340px;background:white;box-shadow:0 18px 50px #182b4229;border:1px solid var(--line);border-radius:10px;padding:10px}.dropdown a{display:block;font-size:1rem;padding:10px 14px;text-decoration:none;color:var(--navy);font-weight:400;border-radius:6px}.dropdown a:hover,.dropdown a[aria-current]{background:var(--light);color:var(--blue)}.navigation>.header-phone{display:inline-flex;align-items:center;gap:8px;min-height:44px;white-space:nowrap;color:#b63835}.navigation>.header-phone:hover{color:#902c2a}.header-phone svg{display:block;flex:0 0 18px;width:18px;height:18px}.hero{padding:64px 0 54px;background:linear-gradient(120deg,#f4f7fa,#e5eef5)}.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:50px;align-items:center}.hero-visual{position:relative;padding-bottom:36px}.hero-photo{width:100%;height:400px;object-fit:cover;border-radius:14px}.visual-note{position:absolute;bottom:0;left:-20px;right:35px;background:var(--navy);color:white;padding:25px 28px;border-radius:10px;box-shadow:0 10px 25px #182b4215}.visual-note strong{display:block;font-size:1.4rem;margin-bottom:5px}.visual-note p{font-size:1rem;line-height:1.5;margin:0;color:#e1ebf2}.hero .small{margin-top:22px;font-size:.9rem;color:var(--muted)}.trust-strip{border-bottom:1px solid var(--line)}.trust-inner{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;padding:24px 0;font-size:1rem}.trust-inner strong{display:block;color:var(--navy)}.trust-inner span{color:var(--muted)}.two{display:grid;grid-template-columns:1fr 1fr;gap:26px}.three{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.card{padding:32px;border:1px solid var(--line);border-radius:var(--radius);background:white}.card p:last-child{margin-bottom:0}.scenario{position:relative;display:flex;flex-direction:column;align-items:flex-start}.scenario h3{font-size:1.65rem}.scenario .button{margin-top:auto}.number{font-size:.86rem;letter-spacing:.1em;color:var(--blue);font-weight:700;margin-bottom:20px}.scenario p{color:var(--muted)}.solutions{counter-reset:solution}.solution{display:flex;flex-direction:column}.solution h3{font-size:1.65rem}.solution .tradeoff{font-size:1rem;line-height:1.5;margin-bottom:16px}.tradeoff strong{color:var(--navy);display:block;font-size:.86rem;margin-bottom:5px;text-transform:uppercase;letter-spacing:.08em}.solution>a{margin-top:auto;font-weight:700}.note{padding:24px 28px;border-left:4px solid var(--blue);background:var(--light);border-radius:0 10px 10px 0;margin-top:28px}.note p{margin:0}.dark{background:var(--navy);color:#e6edf4}.dark h2,.dark h3{color:white}.dark .eyebrow{color:#b8d3eb}.dark .lead{color:#d5e2ef}.valuation{display:grid;grid-template-columns:.9fr 1.1fr;gap:70px;align-items:start}.valuation-list{padding-left:0;list-style:none;margin:0}.valuation-list li{border-bottom:1px solid #ffffff26;padding:21px 0}.valuation-list li:first-child{padding-top:0}.valuation-list strong{color:#fff;display:block;font-size:1.15rem;margin-bottom:5px}.valuation-list span{font-size:1rem;color:#d5e2ef}.dark a:not(.button){color:#d0e4f7}.process{display:grid;grid-template-columns:repeat(4,1fr);gap:28px;margin-top:40px}.process-step{border-top:2px solid var(--line);padding-top:24px}.process-step .number{margin-bottom:12px}.process-step p{font-size:1rem;color:var(--muted)}.lawyer{display:grid;grid-template-columns:290px 1fr;gap:55px;align-items:center;margin-top:60px}.lawyer img{height:340px;object-fit:cover;object-position:top;border-radius:12px}.lawyer ul{padding-left:22px}.article-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.article-card{display:flex;flex-direction:column;text-decoration:none;padding:26px;transition:border-color .15s,transform .15s}.article-card:hover{border-color:var(--blue);transform:translateY(-3px)}.article-card .eyebrow{font-size:.8rem;margin-bottom:14px}.article-card h3{font-size:1.35rem}.article-card p{font-size:1rem;color:var(--muted);margin-bottom:22px;line-height:1.55}.article-card .read{margin-top:auto;font-size:1rem;font-weight:700;text-decoration:underline}.faq-layout{display:grid;grid-template-columns:.7fr 1.3fr;gap:70px}.faq details{border-bottom:1px solid var(--line)}.faq summary{padding:20px 30px 20px 0;cursor:pointer;font-weight:700;color:var(--navy);line-height:1.5;position:relative;list-style:none}.faq summary::-webkit-details-marker{display:none}.faq summary:after{content:'+';position:absolute;right:0;font-size:1.4rem;top:16px}.faq details[open] summary:after{content:'−'}.faq details p{color:var(--muted);font-size:1rem;margin-bottom:22px}.contact-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:70px;align-items:start}.contact-card{padding:32px;border:1px solid var(--line);border-radius:12px;background:white}.contact-phone{font-size:1.75rem;font-weight:700;display:block;text-decoration:none;margin-bottom:10px}.contact-card address{font-style:normal;margin:22px 0;font-size:1rem}.small{font-size:.9rem;color:var(--muted)}.checklist{padding-left:22px}.checklist li{margin-bottom:10px}.footer{padding:38px 0;background:#142337;color:#dbe6f0;font-size:.9rem}.footer a{color:#dbe6f0}.footer-top{display:flex;justify-content:space-between;gap:32px;flex-wrap:wrap;border-bottom:1px solid #ffffff26;margin-bottom:22px;padding-bottom:24px}.footer p{margin:0}.footer details{margin-top:20px;font-size:.88rem}.footer summary{cursor:pointer}.footer details p{margin-top:16px;max-width:900px}.breadcrumbs{font-size:.9rem;display:flex;gap:8px;flex-wrap:wrap;color:var(--muted);margin:0 0 26px}.article-header{padding:50px 0 48px;background:var(--light)}.article-header h1{font-size:clamp(2rem,4vw,3.3rem);max-width:970px}.article-header .lead{max-width:900px}.article-layout{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:60px;padding-top:65px;padding-bottom:70px;align-items:start}.article-body h2{font-size:1.8rem;margin-top:42px;margin-bottom:18px}.article-body h2:first-child{margin-top:0}.article-body p{max-width:780px}.article-body .faq{margin:32px 0}.article-body .note{font-size:1rem}.article-aside{position:sticky;top:120px}.article-aside .card{padding:25px}.article-aside h2{font-size:1.4rem}.article-aside p,.article-aside li{font-size:1rem}.toc{list-style:none;padding:0}.toc a{display:block;margin:14px 0;line-height:1.5;font-size:1rem}.aside-contact{margin-top:22px;background:var(--navy);color:white}.aside-contact h2{color:white}.aside-contact a:not(.button){color:white}.aside-contact .button{width:100%;margin-top:12px}.related{margin-top:45px;padding-top:25px;border-top:1px solid var(--line)}.related a{display:block;margin:12px 0}.sources{font-size:.88rem;padding-top:24px;border-top:1px solid var(--line);margin-top:32px;color:var(--muted)}.sources a{display:block;margin:7px 0}.mobile-contact{display:none}section[id]{scroll-margin-top:110px}@media(max-width:1100px){.brand-tag{display:none}.navigation{gap:20px}.hero-grid{gap:30px}.hero-photo{height:360px}.valuation,.contact-grid{gap:40px}.three{gap:16px}.card{padding:26px}.article-layout{gap:35px;grid-template-columns:minmax(0,1fr) 290px}}@media(max-width:820px){.container{width:calc(100% - 40px)}.header-inner{min-height:82px}.brand img{width:150px}.navigation>a:not(.header-phone){display:none}.navigation .header-phone{font-size:.92rem}.hero{padding:40px 0}.hero-grid,.valuation,.faq-layout,.contact-grid{grid-template-columns:1fr;gap:32px}.hero-photo{height:320px}.hero-visual{margin-top:6px}.visual-note{left:18px;right:18px}.trust-inner{font-size:.9rem;gap:15px}.section{padding:60px 0}.three,.article-grid{grid-template-columns:repeat(2,1fr)}.three .solution:last-child{grid-column:1/-1}.process{grid-template-columns:1fr 1fr}.lawyer{grid-template-columns:210px 1fr;gap:30px}.lawyer img{height:300px}.article-layout{grid-template-columns:1fr}.article-aside{position:static;display:grid;grid-template-columns:1fr 1fr;gap:20px}.aside-contact{margin-top:0}.article-header{padding-top:32px}.dropdown{right:-150px;width:320px}}@media(max-width:540px){body{font-size:18px}.container{width:calc(100% - 32px)}.header-inner{gap:14px;min-height:76px;flex-wrap:wrap}.brand img{width:132px}.navigation{gap:16px;font-size:.95rem}.navigation .header-phone{display:none}.dropdown{right:0;width:min(340px,calc(100vw - 32px));max-height:70vh;overflow:auto}.hero-photo{height:245px}.visual-note{padding:20px}.visual-note strong{font-size:1.25rem}.hero h1{font-size:2.45rem}.lead{font-size:1.1rem}.trust-inner{grid-template-columns:1fr;padding:20px 0;gap:14px}.trust-inner strong,.trust-inner span{display:inline}.trust-inner strong:after{content:' · '}.two,.three,.article-grid,.lawyer,.article-aside{grid-template-columns:1fr}.three .solution:last-child{grid-column:auto}.lawyer img{height:330px;width:230px}.process{gap:24px 18px}.process-step h3{font-size:1.15rem}.card{padding:25px}.actions{gap:12px}.actions .button{width:100%}.article-header h1{font-size:2.15rem;overflow-wrap:anywhere}.article-layout{padding-top:40px}.article-body h2{font-size:1.65rem}.contact-phone{font-size:1.65rem}.footer-top{display:block}.footer-top>a{display:block;margin-top:15px}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.article-card,.menu-chevron{transition:none}}

/* Restrained red accents for the two client situations and three solutions. */
.card-top{display:flex;align-items:center;justify-content:space-between;gap:18px;width:100%;margin-bottom:22px}
.card-top .number{margin:0;line-height:1.5;min-width:0}
.card-icon{display:inline-flex;align-items:center;justify-content:center;width:52px;height:52px;flex:0 0 52px;color:#b63835;background:#fff0ee;border:1px solid #f2d9d5;border-radius:12px}
.card-icon svg{display:block;width:28px;height:28px}
@media(max-width:540px){.card-top{gap:14px;margin-bottom:20px}.card-icon{width:48px;height:48px;flex-basis:48px}.card-icon svg{width:26px;height:26px}}