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0.2vw,0.875rem);--container:1200px;--gutter:40px;--section:88px;--radius-btn:6px;--radius-card:8px;--header-h:84px;--mobile-bar-h:76px}@media (max-width:767px){:root{--gutter:20px;--section:40px;--header-h:64px}}*,*::before,*::after{box-sizing:border-box}[hidden]{display:none !important}a[href^="tel:"]{white-space:nowrap}html{-webkit-text-size-adjust:100%;text-size-adjust:100%;scroll-padding-top:16px}body{margin:0;font-family:var(--font-sans);font-size:var(--fs-body);line-height:1.6;color:var(--ink);background:var(--white);-webkit-font-smoothing:antialiased}img,svg,picture{display:block;max-width:100%}img{height:auto}h1,h2,h3,h4{margin:0;color:var(--navy)}h1,h2{font-family:var(--font-serif);font-weight:600;text-wrap:balance}h1{font-size:var(--fs-h1);line-height:1.08}h2{font-size:var(--fs-h2);line-height:1.12}h3{font-size:var(--fs-h3);font-weight:700;line-height:1.3}p{margin:0}a{color:var(--link)}a:hover{color:var(--navy)}:focus-visible{outline:3px solid 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var(--gutter));margin-inline:auto;padding-inline:var(--gutter)}.section{padding-block:var(--section)}.section--ground{background:var(--ground)}.section--flush-top{padding-top:0}.section--flush-bottom{padding-bottom:0}.section-title{margin-bottom:clamp(24px,4vw,48px)}.eyebrow{display:block;font-size:var(--fs-eyebrow);font-weight:700;letter-spacing:0.12em;text-transform:uppercase;color:var(--link)}.lead{font-size:var(--fs-lead);line-height:1.55;color:var(--muted)}.placeholder{background:#FFF4CC;color:#5C4400;padding:0 0.2em;border-radius:3px}.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:48px;padding:12px 24px;border:2px solid transparent;border-radius:var(--radius-btn);font:inherit;font-size:1rem;font-weight:700;line-height:1.2;text-align:center;text-decoration:none;cursor:pointer;transition:background-color 0.15s ease,color 0.15s ease,border-color 0.15s ease}.btn--primary{background:var(--navy);color:var(--white)}.btn--primary:hover{background:#0B3270;color:var(--white)}.btn--outline{background:transparent;border-color:var(--navy);color:var(--navy)}.btn--outline:hover{background:var(--navy);color:var(--white)}.btn--cyan{background:var(--cyan);color:var(--navy)}.btn--cyan:hover{background:#6FD0F4;color:var(--navy)}.btn--outline-light{background:transparent;border-color:var(--white);color:var(--white)}.btn--outline-light:hover{background:var(--white);color:var(--navy)}.btn--large{min-height:56px;padding:15px 28px;font-size:1.0625rem}.btn svg{flex-shrink:0}.icon-btn{display:inline-flex;align-items:center;justify-content:center;width:44px;height:44px;padding:0;border:1px solid var(--line);border-radius:var(--radius-btn);background:var(--white);color:var(--navy);cursor:pointer}.icon-btn--navy{border-color:var(--navy);background:var(--navy);color:var(--white)}.servicebar{background:var(--navy);color:var(--on-navy);font-size:var(--fs-small)}.servicebar__inner{display:flex;align-items:center;justify-content:space-between;gap:24px;min-height:40px}.servicebar__links{display:flex;align-items:center;gap:28px}.servicebar a{color:var(--white);font-weight:600;text-decoration:none}.servicebar a:hover{text-decoration:underline}.servicebar .servicebar__schaden{color:var(--cyan);font-weight:700}.site-header{position:relative;z-index:50;background:var(--white);border-bottom:1px solid var(--line)}.site-header__inner{display:flex;align-items:center;justify-content:space-between;gap:24px;min-height:var(--header-h)}.site-logo{display:block;flex-shrink:0;padding-block:16px}.site-logo img{height:42px;width:auto}.site-header__cta{flex-shrink:0}.site-header__mobile-actions{display:none;gap:8px}.main-nav__list{display:flex;align-items:center;gap:4px;margin:0;padding:0;list-style:none}.main-nav__item{position:relative;display:flex;align-items:center}.main-nav__link{display:block;padding:10px 12px;color:var(--ink);font-size:0.9375rem;font-weight:600;text-decoration:none;border-radius:var(--radius-btn)}.main-nav__link:hover,.main-nav__link[aria-current="page"]{color:var(--navy)}.main-nav__link[aria-current="page"]{text-decoration:underline;text-decoration-color:var(--cyan);text-decoration-thickness:3px;text-underline-offset:8px}.main-nav__toggle{display:inline-flex;align-items:center;justify-content:center;width:28px;height:44px;margin-left:-8px;padding:0;border:0;background:none;color:var(--muted);cursor:pointer}.main-nav__toggle svg{transition:transform 0.15s ease}.main-nav__toggle[aria-expanded="true"] svg{transform:rotate(180deg)}.dropdown{position:absolute;top:100%;left:0;min-width:240px;padding:12px;background:var(--white);border:1px solid var(--line);border-radius:var(--radius-card);box-shadow:0 12px 32px rgba(5,36,83,0.12);visibility:hidden;opacity:0;transform:translateY(4px);transition:opacity 0.15s ease,transform 0.15s ease,visibility 0.15s}.main-nav__item:hover>.dropdown,.main-nav__item:focus-within>.dropdown,.main-nav__toggle[aria-expanded="true"] + .dropdown{visibility:visible;opacity:1;transform:none}.dropdown ul{margin:0;padding:0;list-style:none}.dropdown a{display:block;padding:8px 12px;color:var(--ink);font-size:0.9375rem;text-decoration:none;border-radius:var(--radius-btn)}.dropdown a:hover{background:var(--ground);color:var(--navy)}.dropdown--mega{left:50%;display:grid;grid-template-columns:repeat(3,minmax(190px,1fr));gap:8px 16px;min-width:660px;padding:20px;transform:translate(-50%,4px)}.main-nav__item:hover>.dropdown--mega,.main-nav__item:focus-within>.dropdown--mega,.main-nav__toggle[aria-expanded="true"] + .dropdown--mega{transform:translateX(-50%)}.dropdown__label{display:block;padding:4px 12px 8px;font-size:0.75rem;font-weight:700;letter-spacing:0.1em;text-transform:uppercase;color:var(--muted)}.mobile-menu{border-top:1px solid var(--line);background:var(--white);max-height:calc(100vh - var(--header-h));overflow-y:auto}.mobile-menu__list{margin:0;padding:8px 0 16px;list-style:none}.mobile-menu__list>li{border-bottom:1px solid var(--line)}.mobile-menu__list a,.mobile-menu__list summary{display:flex;align-items:center;justify-content:space-between;min-height:52px;padding:8px 0;color:var(--navy);font-size:1.0625rem;font-weight:700;text-decoration:none;cursor:pointer}.mobile-menu__list summary{list-style:none}.mobile-menu__list summary::-webkit-details-marker{display:none}.mobile-menu__list details[open]>summary svg{transform:rotate(180deg)}.mobile-menu__sub{margin:0;padding:0 0 12px 12px;list-style:none}.mobile-menu__sub a{min-height:44px;font-size:1rem;font-weight:500;color:var(--ink)}.mobile-menu__sublabel{display:block;padding:12px 0 4px;font-size:0.75rem;font-weight:700;letter-spacing:0.1em;text-transform:uppercase;color:var(--muted)}.mobile-menu__actions{display:grid;gap:12px;padding-bottom:24px}.mobile-bar{display:none}.cta-band{background:var(--navy);color:var(--on-navy)}.cta-band__inner{display:flex;align-items:center;justify-content:space-between;gap:48px;padding-block:var(--section)}.cta-band__text{display:grid;gap:14px;max-width:620px}.cta-band h2{color:var(--white)}.cta-band p{font-size:var(--fs-lead);line-height:1.55}.cta-band__actions{display:flex;flex-wrap:wrap;gap:14px;flex-shrink:0}.site-footer{background:var(--navy);color:var(--on-navy);font-size:0.9375rem}.cta-band + .site-footer .site-footer__main{border-top:1px solid var(--navy-line)}.site-footer__main{display:grid;grid-template-columns:repeat(4,minmax(0,1fr)) minmax(0,1.4fr);gap:32px;padding-block:64px 48px}.site-footer__brand{display:grid;align-content:start;gap:16px;grid-column:span 2}.site-footer__logo img{height:48px;width:auto}.site-footer__brand p{max-width:340px}.site-footer__heading{margin-bottom:12px;font-family:var(--font-sans);font-size:0.9375rem;font-weight:700;color:var(--white)}.site-footer ul{display:grid;gap:10px;margin:0;padding:0;list-style:none}.site-footer a{color:var(--on-navy);text-decoration:none}.site-footer a:hover{color:var(--white);text-decoration:underline}.site-footer .site-footer__highlight{color:var(--cyan)}.site-footer address{font-style:normal}.site-footer__bottom{display:flex;flex-wrap:wrap;justify-content:space-between;gap:12px 24px;padding-block:24px 32px;border-top:1px solid var(--navy-line);font-size:var(--fs-small);color:var(--on-navy-muted)}.site-footer__bottom ul{display:flex;flex-wrap:wrap;gap:8px 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var(--line)}.hero-stats__item:nth-child(-n + 2){border-bottom:1px solid var(--line)}.hero-stats dd{margin:0;font-family:var(--font-serif);font-size:clamp(2.25rem,1.6rem + 2.4vw,3.5rem);font-weight:600;line-height:1;color:var(--navy)}.hero-stats dt{font-size:0.9375rem;color:var(--muted)}.hero--image .hero__inner{grid-template-areas:"text media" "stats stats"}.hero__media{grid-area:media;border-radius:var(--radius-card);overflow:hidden}.hero__media img{width:100%;height:100%;object-fit:cover}.hero--image .hero-stats{grid-template-columns:repeat(4,minmax(0,1fr))}.task-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}.task-card{display:flex;flex-direction:column;gap:10px;padding:28px;border-radius:var(--radius-card);background:var(--ground);color:var(--muted);text-decoration:none;transition:transform 0.15s ease,box-shadow 0.15s ease}.task-card:hover{color:var(--muted);transform:translateY(-2px);box-shadow:0 10px 24px rgba(5,36,83,0.1)}.task-card__icon{color:var(--link)}.task-card__title{font-size:1.3125rem;font-weight:700;color:var(--navy)}.task-card__text{line-height:1.5}.task-card__link{margin-top:auto;padding-top:6px;font-size:0.9375rem;font-weight:700;color:var(--link)}.task-card--primary{background:var(--navy);color:var(--on-navy)}.task-card--primary:hover{color:var(--on-navy)}.task-card--primary .task-card__icon,.task-card--primary .task-card__link{color:var(--cyan)}.task-card--primary .task-card__title{color:var(--white)}.segment-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:24px}.segment-card{display:flex;flex-direction:column;gap:14px;padding:32px 28px 28px;border:1px solid var(--line);border-radius:var(--radius-card)}.icon-circle{display:flex;align-items:center;justify-content:center;flex-shrink:0;width:56px;height:56px;border-radius:50%;background:var(--ground);color:var(--navy)}.segment-card p{line-height:1.5;color:var(--muted)}.segment-card__short{display:none}.chips{display:flex;flex-wrap:wrap;gap:8px;margin:0;padding:0;list-style:none}.chips li{padding:6px 12px;border-radius:999px;background:var(--ground);font-size:0.875rem}.segment-card .more-link{margin-top:auto;padding-top:8px}.sterne{flex-shrink:0;width:124px;height:24px}.sterne__leer{fill:#D5DCE5}.sterne__voll{fill:var(--navy)}.bewertung{display:grid;justify-items:start;gap:6px}.bewertung p{margin:0}.bewertung__text{font-size:1.0625rem;color:var(--ink)}.bewertung__text strong{font-size:1.25rem;color:var(--navy)}.bewertung__links{display:flex;flex-wrap:wrap;gap:4px 24px}.bewertung__link{display:inline-flex;align-items:center;min-height:44px;font-weight:700;text-decoration:none}.bewertung__link:hover{text-decoration:underline}.rating-band{background:var(--ground)}.rating-band .container{padding-block:40px}.bewertung--band{grid-template-columns:auto auto;align-items:center;justify-content:center;justify-items:center;gap:8px 24px}.bewertung--band .sterne{width:155px;height:30px}.bewertung--band .bewertung__text{font-size:1.1875rem}.bewertung--band .bewertung__links{grid-column:1 / -1;justify-content:center}.bewertung--kompakt{justify-items:end;text-align:right}.bewertung--kompakt .bewertung__text{font-size:0.9375rem}.bewertung--kompakt .bewertung__text strong{font-size:1.0625rem}.bewertung--kompakt .bewertung__link{min-height:32px;font-size:0.9375rem}.bewertung--zeile{margin-top:16px}.bewertung--zeile a{display:inline-flex;flex-wrap:wrap;align-items:center;gap:4px 8px;min-height:44px;font-size:0.875rem}.bewertung--zeile .sterne{width:78px;height:15px}.bewertung--zeile .sterne__leer{fill:rgba(255,255,255,0.28)}.bewertung--zeile .sterne__voll{fill:var(--cyan)}.bewertung--zeile strong{color:var(--white)}@media (max-width:767px){.bewertung--band{grid-template-columns:1fr}.bewertung--kompakt{justify-items:start;text-align:left}}.numbered-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:48px;margin:0;padding:0;list-style:none;counter-reset:numbered}.numbered-grid li{display:grid;align-content:start;gap:10px;padding-top:20px;border-top:2px solid var(--navy);counter-increment:numbered}.numbered-grid li::before{content:counter(numbered,decimal-leading-zero);font-family:var(--font-serif);font-size:1.25rem;font-weight:600;color:var(--link)}.numbered-grid h3{font-size:1.3125rem}.numbered-grid p{line-height:1.55;color:var(--muted)}.quote-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:24px;margin:0;padding:24px;list-style:none;border-radius:12px;background:var(--ground)}.quote-card{display:flex;flex-direction:column;gap:24px;height:100%;margin:0;padding:32px;border-radius:var(--radius-card);background:var(--white)}.quote-card blockquote p{margin:0}.quote-card blockquote{margin:0;font-family:var(--font-serif);font-size:1.3125rem;font-weight:500;line-height:1.45;color:var(--navy)}.quote-card figcaption{display:grid;margin-top:auto;padding-top:16px;border-top:1px solid var(--line);font-size:0.9375rem;color:var(--muted)}.quote-card figcaption strong{color:var(--ink)}.quote-hint{display:none;margin-top:12px;font-size:0.875rem;font-weight:600;color:var(--muted)}.person-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:24px;margin:0;padding:0;list-style:none}.person-card{display:flex;flex-direction:column;gap:14px}.person-card__photo{aspect-ratio:47 / 50;border-radius:var(--radius-card);overflow:hidden;background:#C9D4DF}.person-card__photo img{width:100%;height:100%;object-fit:cover;object-position:center 20%}.person-card__name{display:block;font-size:1.1875rem;font-weight:700;color:var(--navy)}.person-card__role{font-size:0.9375rem;color:var(--muted)}.person-card__links{display:grid;min-width:0;font-size:0.9375rem}.kontakt-link{display:inline-flex;align-items:flex-start;gap:8px;min-width:0;min-height:44px;padding-block:calc((44px - 1lh) / 2);line-height:1.4;font-weight:600;text-decoration:none}.kontakt-link .icon{flex-shrink:0;margin-top:calc((1lh - 16px) / 2)}.kontakt-link span{min-width:0;overflow-wrap:anywhere}.kontakt-link:hover{text-decoration:underline}.teaser-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:24px;margin:0;padding:0;list-style:none}.teaser-card{display:flex;flex-direction:column;gap:12px;height:100%;padding:32px;border-radius:var(--radius-card);background:var(--white);color:var(--muted);text-decoration:none}.teaser-card:hover{color:var(--muted);box-shadow:0 10px 24px rgba(5,36,83,0.1)}.teaser-card__kicker{font-size:0.8125rem;font-weight:700;letter-spacing:0.1em;text-transform:uppercase;color:var(--link)}.teaser-card__title{font-family:var(--font-serif);font-size:clamp(1.25rem,1.1rem + 0.6vw,1.5625rem);font-weight:600;line-height:1.25;color:var(--navy)}.teaser-card__text{line-height:1.55}.teaser-card__link{margin-top:auto;padding-top:8px;font-size:0.9375rem;font-weight:700;color:var(--link)}.location{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:64px;align-items:center}.location__media{height:420px;border-radius:var(--radius-card);overflow:hidden;background:#B9C7D4}.location__media img{width:100%;height:100%;object-fit:cover}.location__text{display:grid;gap:24px;justify-items:start}.location__text>p{font-size:1.125rem;line-height:1.55;color:var(--muted)}.location__text>.location__makler{justify-self:stretch;padding-top:20px;border-top:1px solid var(--line);font-size:0.9375rem}.location__makler a{font-weight:700;text-decoration:none;white-space:nowrap}.location__makler a:hover{text-decoration:underline}.facts{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:24px;margin:0;width:100%}.facts dt{margin-bottom:4px;font-weight:700;color:var(--navy)}.facts dd{margin:0}.facts a{font-weight:600;text-decoration:none}.facts a:hover{text-decoration:underline}.page-hero--media .page-hero__grid{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,0.9fr);gap:64px;align-items:center}.page-hero--media .page-hero__inner{padding-block:64px}.page-hero__media{align-self:stretch;min-height:360px;margin-block:48px;border-radius:var(--radius-card);overflow:hidden;background:#B9C7D4}.page-hero__media img{width:100%;height:100%;object-fit:cover}.breadcrumb ol{display:flex;flex-wrap:wrap;gap:4px;margin:0;padding:0;list-style:none;font-size:var(--fs-small);color:var(--muted)}.breadcrumb li + li::before{content:"/";margin-right:4px;color:var(--muted)}.breadcrumb a{color:var(--ink)}.makler-hinweis{display:grid;justify-items:start;gap:14px;max-width:760px}.makler-hinweis__title{font-size:clamp(1.5rem,1.25rem + 0.9vw,2rem)}.makler-hinweis p{font-size:1.125rem;line-height:1.6;color:var(--muted)}.prose{display:grid;align-content:start;justify-items:start;gap:16px}.prose>p{line-height:1.65}.prose h2{margin-bottom:4px}.split{display:grid;grid-template-columns:minmax(0,1.2fr) minmax(0,0.8fr);gap:64px;align-items:start}.jump-nav{padding:28px;border-radius:var(--radius-card);background:var(--ground)}.jump-nav__label{display:block;margin-bottom:12px;font-size:0.8125rem;font-weight:700;letter-spacing:0.1em;text-transform:uppercase;color:var(--muted)}.jump-nav ul{display:grid;gap:8px;margin:0;padding:0;list-style:none}.jump-nav a{display:flex;align-items:center;justify-content:space-between;min-height:48px;padding:10px 16px;border-left:3px solid var(--cyan);border-radius:var(--radius-btn);background:var(--white);color:var(--navy);font-weight:700;text-decoration:none}.jump-nav a::after{content:"↓";color:var(--link)}.jump-nav a:hover{background:#EEF7FC}.tile-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px;margin:0;padding:0;list-style:none}.tile{padding:20px;border-radius:var(--radius-card);background:var(--ground)}.tile h3{margin-bottom:6px;font-size:1.0625rem}.tile p{font-size:0.9375rem;line-height:1.5;color:var(--muted)}.topic__inner{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:64px;align-items:center}.topic--reverse .topic__media{order:2}.topic__media{aspect-ratio:4 / 3;border-radius:var(--radius-card);overflow:hidden;background:#B9C7D4}.topic__media img{width:100%;height:100%;object-fit:cover}.topic .btn{margin-top:8px}.checklist{display:grid;gap:10px;margin:4px 0 0;padding:0;list-style:none}.checklist li{position:relative;padding-left:30px;line-height:1.5}.checklist li::before{content:"";position:absolute;left:0;top:2px;width:20px;height:20px;border-radius:50%;background:var(--navy) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2341C0F0' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M20 6 9 17l-5-5'/%3E%3C/svg%3E") center / 13px no-repeat}.card-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px;margin:0;padding:0;list-style:none}.card-grid--4{grid-template-columns:repeat(4,minmax(0,1fr))}.card-grid--2{grid-template-columns:repeat(2,minmax(0,1fr))}.card{display:flex;flex-direction:column;gap:10px;height:100%;padding:28px;border:1px solid var(--line);border-radius:var(--radius-card);background:var(--white);color:var(--muted)}.card h3{font-size:1.1875rem}.card p{line-height:1.55}.card--link{text-decoration:none;transition:box-shadow 0.15s ease,transform 0.15s ease}.card--link:hover{color:var(--muted);transform:translateY(-2px);box-shadow:0 10px 24px rgba(5,36,83,0.1)}.card__more{margin-top:auto;padding-top:6px;font-size:0.9375rem;font-weight:700;color:var(--link)}.section--ground .card{border-color:transparent}.icon-circle--small{width:48px;height:48px}.icon-circle svg{width:24px;height:24px}.text-block{max-width:760px}.text-block__actions{display:flex;flex-wrap:wrap;gap:14px;margin-top:8px}.teaser-card--wide .teaser-card__text{max-width:760px}@media (min-width:900px){.quote-single .quote-card{display:grid;grid-template-columns:minmax(0,1fr) minmax(220px,300px);column-gap:56px;align-items:center;padding:clamp(32px,4vw,56px)}.quote-single blockquote{max-width:760px}.quote-single figcaption{margin:0;padding:0 0 0 32px;border-top:0;border-left:1px solid var(--line)}}.quote-single .quote-card{background:var(--ground)}.quote-single blockquote{font-size:clamp(1.1875rem,1rem + 0.8vw,1.5rem)}.article-body{max-width:68ch;margin-inline:auto;font-size:1.0625rem}.article-body>p{margin:0 0 1.1em;line-height:1.75}.article-body>h2{margin:1.8em 0 0.6em;font-size:clamp(1.5rem,1.25rem + 1vw,2rem);line-height:1.2}.article-body>h2:first-child{margin-top:0}.article-body .article-lead{font-size:clamp(1.125rem,1.05rem + 0.4vw,1.3125rem);line-height:1.65;color:var(--ink)}.article-body .article-note{margin-top:2em;font-size:0.9375rem;font-style:italic;color:var(--muted)}.contact-card{display:grid;gap:16px;margin:2.5em 0;padding:28px;border-radius:var(--radius-card);background:var(--ground);font-size:1rem}.contact-card__person{display:flex;align-items:center;gap:24px}.contact-card__photo{flex-shrink:0;width:120px;height:120px;border-radius:50%;object-fit:cover}.contact-card__name{margin:0;font-size:1.1875rem;font-weight:700;color:var(--navy)}.contact-card__role{margin:2px 0 10px;color:var(--muted)}.contact-card__links{display:grid;min-width:0}.contact-card__cta{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:16px;padding-top:16px;border-top:1px solid var(--line)}.contact-card__cta p{flex:1 1 260px;color:var(--muted)}.teaser-grid--2{grid-template-columns:repeat(2,minmax(0,1fr))}.teaser-grid--cards .teaser-card{border:1px solid var(--line)}.team-intro{max-width:720px;margin-bottom:48px}.team-dept + .team-dept,.team-row + .team-row{margin-top:64px}@media (min-width:1024px){.team-row{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));column-gap:24px}.team-row .team-dept{display:grid;grid-template-columns:subgrid;align-content:start}.team-row .team-dept + .team-dept{margin-top:0}.team-dept--span1{grid-column:span 1}.team-dept--span2{grid-column:span 2}.team-dept--span3{grid-column:span 3}.team-dept--span4{grid-column:span 4}.team-row .team-dept__title,.team-row .person-grid{grid-column:1 / -1}.team-row .person-grid{grid-template-columns:subgrid}.team-row--wide-2 .person-grid>li{grid-column:span 2}.team-row--wide-1 .person-grid>li{grid-column:span 2}.team-row--wide .person-card{display:grid;grid-template-columns:minmax(0,0.9fr) minmax(0,1.1fr);grid-template-rows:1fr auto auto 1fr;grid-template-areas:"photo ." "photo name" "photo links" "photo .";column-gap:28px;row-gap:10px;height:100%;padding-right:12px}.team-row--wide .person-card__photo{grid-area:photo}.team-row--wide .person-card>div:nth-child(2){grid-area:name}.team-row--wide .person-card__links{grid-area:links}.team-row--wide .person-card__name{font-size:1.375rem}}.team-dept__title{display:flex;align-items:center;gap:16px;margin-bottom:28px;font-family:var(--font-sans);font-size:0.875rem;font-weight:700;letter-spacing:0.12em;text-transform:uppercase;color:var(--link)}.team-dept__title::after{content:"";flex:1;height:1px;background:var(--line)}.person-card__initials{display:flex;align-items:center;justify-content:center;width:100%;height:100%;font-family:var(--font-serif);font-size:2.5rem;font-weight:600;color:var(--navy)}.split--media{grid-template-columns:repeat(2,minmax(0,1fr));align-items:center}.split__media{border-radius:var(--radius-card);overflow:hidden}.split__media img{width:100%;height:auto}.numbered-grid--2{grid-template-columns:repeat(2,minmax(0,1fr))}.section--ground .numbered-grid li{padding:24px 28px 28px;border-top:0;border-left:3px solid var(--cyan);border-radius:var(--radius-card);background:var(--white)}.quote-band{background:var(--navy)}.quote-band blockquote{max-width:880px;margin:0 auto;padding-block:var(--section);font-family:var(--font-serif);font-size:clamp(1.375rem,1.1rem + 1.2vw,2rem);font-weight:500;line-height:1.4;color:var(--white);text-align:center}.feature-list{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:32px 48px;margin:0;padding:0;list-style:none}.feature-list li{display:flex;gap:20px}.feature-list h3{margin-bottom:6px;font-size:1.1875rem}.feature-list p{line-height:1.6;color:var(--muted)}.card--center{max-width:640px;margin-inline:auto;text-align:center;align-items:center}.text-muted{color:var(--muted)}.legal{max-width:76ch}.legal h2{margin:2em 0 0.6em;font-size:clamp(1.375rem,1.2rem + 0.8vw,1.75rem)}.legal>.legal-section:first-child h2:first-child,.legal>h2:first-child{margin-top:0}.legal h3{margin:1.5em 0 0.5em;font-size:1.125rem}.legal p,.legal li{line-height:1.7}.legal p{margin:0 0 1em}.legal ul{margin:0 0 1em;padding-left:1.25em}.legal-dl{display:grid;grid-template-columns:minmax(160px,220px) 1fr;gap:10px 24px;margin:0 0 1.5em;padding:24px;border-radius:var(--radius-card);background:var(--ground)}.legal-dl dt{font-weight:700;color:var(--navy)}.legal-dl dd{margin:0}.legal-box{margin:1.5em 0;padding:20px 24px;border-left:3px solid var(--cyan);border-radius:var(--radius-card);background:var(--ground)}.legal-box>:last-child{margin-bottom:0}.legal-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px;margin:1em 0 1.5em}.legal-grid>*{padding:16px 20px;border-radius:var(--radius-card);background:var(--ground)}.link-button--inline{color:var(--link);font-weight:inherit;text-decoration:underline}.link-button--inline:hover{color:var(--navy)}.form-card{max-width:880px;padding:clamp(24px,4vw,40px);border-radius:var(--radius-card);background:var(--white)}.form-card h2{margin-bottom:8px}.form-card>.lead{margin-bottom:24px}.form-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px 20px}.field{display:grid;gap:6px;align-content:start}.field--full{grid-column:1 / -1}.field--submit{align-content:end}.field label{font-size:0.9375rem;font-weight:600;color:var(--ink)}.field input,.field select,.field textarea{width:100%;min-height:48px;padding:10px 14px;border:1px solid #C8C2B5;border-radius:var(--radius-btn);background:var(--white);color:var(--ink);font:inherit}.field textarea{min-height:110px;resize:vertical}.field input:focus-visible,.field select:focus-visible,.field textarea:focus-visible{outline:3px solid var(--link);outline-offset:1px;border-color:var(--link)}.field--check{grid-template-columns:24px 1fr;align-items:start;gap:10px}.field--check input{width:22px;min-height:22px;height:22px;margin-top:2px;accent-color:var(--navy)}.field--check label{font-weight:400;font-size:0.875rem;color:var(--muted)}.form-hint,.form-error{margin:0;padding:12px 16px;border-radius:var(--radius-btn);background:#FDECEC;color:#8A1C1C;font-size:0.9375rem}.form-error{margin-top:16px}.form-error a{color:inherit}.form-success{padding:20px 24px;border-left:3px solid #1E7F4F;border-radius:var(--radius-btn);background:#EAF6EF}.form-success p{margin-top:4px}.form-note{margin-top:16px;font-size:0.875rem;color:var(--muted)}.contact-grid{display:grid;grid-template-columns:minmax(0,0.9fr) minmax(0,1.1fr);gap:48px;align-items:stretch}.contact-grid__info{display:grid;align-content:start;gap:24px}.call-card{display:flex;align-items:center;gap:18px;padding:22px 24px;border-radius:var(--radius-card);background:var(--navy);color:var(--white);text-decoration:none}.call-card:hover{color:var(--white);background:#0B3270}.call-card__icon{display:flex;align-items:center;justify-content:center;width:52px;height:52px;border-radius:50%;background:rgba(65,192,240,0.18);color:var(--cyan)}.call-card__label{display:block;font-size:0.875rem;color:var(--on-navy)}.call-card__number{display:block;font-family:var(--font-serif);font-size:1.75rem;font-weight:600}.info-list{display:grid;gap:18px;margin:0}.info-list dt{font-weight:700;color:var(--navy)}.info-list dd{margin:2px 0 0}.map-wrap{min-height:380px;border-radius:var(--radius-card);overflow:hidden;background:var(--ground)}.map-wrap iframe{display:block;width:100%;height:100%;min-height:380px;border:0}.map-placeholder{display:grid;place-content:center;justify-items:center;gap:16px;height:100%;min-height:380px;padding:24px;text-align:center;color:var(--muted)}.task-card--wide{max-width:880px;padding:clamp(24px,4vw,40px)}.task-card--wide .task-card__title{font-family:var(--font-serif);font-size:var(--fs-h2);font-weight:600}.eyebrow--on-navy{color:var(--cyan)}.damage-hero{background:var(--navy);color:var(--on-navy);padding-block:48px 64px}.damage-hero h1{margin-top:24px;color:var(--white);font-size:clamp(2.25rem,1.6rem + 2.6vw,3.5rem)}.damage-hero__lead{max-width:620px;margin-top:20px;font-size:var(--fs-lead);line-height:1.55}.breadcrumb--light ol,.breadcrumb--light li + li::before{color:var(--on-navy)}.breadcrumb--light a{color:var(--white)}.way-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px;margin:48px 0 0;padding:0;list-style:none}.way-grid--4{grid-template-columns:repeat(4,minmax(0,1fr))}.way-card{display:flex;flex-direction:column;align-items:flex-start;gap:10px;padding:28px;border-radius:var(--radius-card);background:var(--white);color:var(--muted)}.way-card h2{font-family:var(--font-sans);font-size:1.5rem;font-weight:700}.way-card .btn{margin-top:auto;width:100%}.way-card__kicker{font-size:0.8125rem;font-weight:700;letter-spacing:0.1em;text-transform:uppercase;color:var(--link)}.way-card__kicker--alert{color:#B42318}.way-card__small{font-size:0.875rem}.emergency-list{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:6px;width:100%;margin:0;padding:0;list-style:none}.emergency-list a{display:flex;align-items:baseline;gap:8px;min-height:44px;padding:10px 12px;border-radius:var(--radius-btn);background:var(--ground);color:var(--ink);text-decoration:none}.emergency-list strong{font-size:1.125rem;color:#B42318}.damage-form-wrap{max-width:880px}.team-strip{display:flex;align-items:center;gap:20px;margin-bottom:28px;padding:20px 24px;border-radius:var(--radius-card);background:var(--ground)}.team-strip p{line-height:1.55}.team-strip__photos{display:flex;flex-shrink:0;margin:0;padding:0;list-style:none}.team-strip__photos li + li{margin-left:-12px}.team-strip__photos img,.team-strip__photos span{display:flex;align-items:center;justify-content:center;width:56px;height:56px;border:3px solid var(--white);border-radius:50%;object-fit:cover;object-position:center 20%;background:#C9D4DF;font-weight:700;color:var(--navy)}.damage-form{display:grid;gap:20px;padding:clamp(24px,4vw,40px);border:1px solid var(--line);border-radius:var(--radius-card);background:var(--white)}.damage-form__progress-text{margin-bottom:8px;font-size:0.9375rem;font-weight:600;color:var(--muted)}.damage-form__bar{height:6px;border-radius:3px;background:var(--ground);overflow:hidden}.damage-form__bar span{display:block;width:0;height:100%;background:var(--navy);transition:width 0.2s ease}.damage-step{display:grid;gap:14px;min-width:0;margin:0;padding:0;border:0}.damage-step__title{margin-bottom:10px;padding:0;font-family:var(--font-serif);font-size:clamp(1.375rem,1.2rem + 0.8vw,1.75rem);font-weight:600;line-height:1.25;color:var(--navy)}.damage-step__title:focus{outline:none}.damage-step__title:focus-visible{outline:3px solid var(--link);outline-offset:4px}.damage-step input:not([type="radio"]),.damage-step textarea{width:100%;min-height:52px;padding:12px 14px;border:1px solid #C8C2B5;border-radius:var(--radius-btn);font:inherit;font-size:1.0625rem}.damage-step textarea{min-height:140px;resize:vertical}.damage-step [aria-invalid="true"]{border-color:#B42318}.damage-field{display:grid;gap:8px}.damage-field + .damage-field{margin-top:6px}.damage-field__label{font-weight:600;color:var(--ink)}.damage-field__hint{font-weight:400;color:var(--muted)}.damage-step__note{font-size:0.9375rem;line-height:1.55;color:var(--muted)}.upload__buttons{display:flex;flex-wrap:wrap;gap:10px}.upload__pick label{cursor:pointer}.upload__pick:focus-within label{outline:3px solid var(--link);outline-offset:2px}.upload__status{margin:0;font-size:0.9375rem;color:var(--muted)}.upload__list{display:grid;gap:8px;margin:0;padding:0;list-style:none}.upload__native{display:grid;gap:10px}.upload__native-field{display:grid;gap:4px;font-weight:600}.upload__item{display:grid;grid-template-columns:56px minmax(0,1fr) auto;align-items:center;gap:12px;padding:8px 12px 8px 8px;border:1px solid var(--line);border-radius:var(--radius-btn)}.upload__thumb{width:56px;height:56px;border-radius:4px;object-fit:cover;background:var(--ground)}.upload__thumb--pdf{display:grid;place-items:center;font-size:0.8125rem;font-weight:700;color:var(--navy)}.upload__name{overflow:hidden;text-overflow:ellipsis;white-space:nowrap}.upload__meta{display:flex;align-items:center;gap:16px}.upload__size{font-size:0.875rem;color:var(--muted);white-space:nowrap}@media (max-width:479px){.upload__item{grid-template-columns:56px minmax(0,1fr);grid-template-areas:"thumb name" "thumb meta";row-gap:0}.upload__thumb{grid-area:thumb}.upload__name{grid-area:name;align-self:end}.upload__meta{grid-area:meta}}.choice-list{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:10px}.choice{position:relative;display:flex;align-items:center;gap:12px;min-height:56px;padding:12px 16px;border:2px solid var(--line);border-radius:var(--radius-card);background:var(--white);font-weight:600;cursor:pointer}.choice input{flex-shrink:0;width:20px;height:20px;margin:0;accent-color:var(--navy)}.choice:hover{border-color:var(--link)}.choice:has(input:checked){border-color:var(--navy);background:#EEF3FA}.choice:has(input:focus-visible){outline:3px solid var(--link);outline-offset:2px}.field-error{margin:0;font-size:0.9375rem;font-weight:600;color:#B42318}.damage-form__nav{display:flex;flex-wrap:wrap;justify-content:space-between;gap:12px}.damage-form__nav [data-next],.damage-form__nav [data-submit]{margin-left:auto}.summary-list{display:grid;margin:0;border-top:1px solid var(--line)}.summary-list__row{display:grid;grid-template-columns:180px 1fr auto;gap:4px 16px;align-items:baseline;padding:12px 0;border-bottom:1px solid var(--line)}.summary-list dt{font-weight:700;color:var(--navy)}.summary-list dd{margin:0;overflow-wrap:anywhere}.summary-list 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