:root{color:#172d35;font-synthesis:none;--petrol:#103e4a;--sand:#f7f4ee;--line:#e2e4e3;--ink:#172d35;background:#fff;font-family:Arial,Helvetica,sans-serif;font-size:16px;font-weight:400;line-height:normal}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0}a{color:inherit}button,input,textarea,select{font:inherit}button{cursor:pointer}.skip{position:absolute;top:0;left:-9999px}.skip:focus{z-index:90;background:#fff;padding:1rem;top:1rem;left:1rem}.shell{width:min(100% - 6.3vw,1550px);margin-inline:auto}.site-header{z-index:9;border-bottom:1px solid var(--line);background:#fff;position:relative}.head-inner{align-items:center;gap:24px;min-height:88px;display:flex}.brand{color:var(--petrol);flex-shrink:0;align-items:center;gap:12px;font:26px/1.03 Georgia,serif;text-decoration:none;display:flex}.nav a,.head-phone{white-space:nowrap;font-size:14px;font-weight:700;text-decoration:none}.nav a:hover,.head-phone:hover{text-decoration:underline}.head-phone{color:var(--petrol)}.btn{background:var(--petrol);border:1px solid var(--petrol);color:#fff;border-radius:3px;justify-content:center;align-items:center;gap:12px;min-height:49px;padding:13px 21px;font-size:14px;font-weight:700;text-decoration:none;display:inline-flex}.btn:hover{background:#23606a}.btn.light{color:var(--petrol);background:#fff}.btn.light:hover{background:#ecf4f2}.head-cta{white-space:nowrap;margin-left:5px}.menu-btn{display:none}.eyebrow{color:var(--petrol);text-transform:uppercase;letter-spacing:.19em;font-size:11px;font-weight:800}.friesland-hero{background-color:#dce8e7;background-image:linear-gradient(90deg,#eaf3f2d4 0%,#eaf3f280 43%,#eaf3f200 68%),url(/images/hero-friesland-clean.webp);background-position:50%;background-repeat:no-repeat;background-size:cover;min-height:540px;position:relative}.hero-inner{align-items:center;min-height:540px;display:flex;position:relative}.hero-text h1{letter-spacing:-.032em;color:#102f40;margin:21px 0 17px;font:400 clamp(43px,3.6vw,64px)/1.12 Georgia,Times New Roman,serif}.actions{flex-wrap:wrap;align-items:center;gap:16px;margin-top:26px;display:flex}.benefits{background:var(--sand);border-bottom:1px solid #ece8e0}.benefits-grid{grid-template-columns:repeat(4,1fr);gap:22px;padding:27px 0;display:grid}.benefits-grid>div{border-right:1px solid #e5e1d9;align-items:flex-start;gap:16px;padding-right:14px;display:flex}.benefits-grid>div:last-child{border:0}.benefit-icon{color:var(--petrol);text-align:center;min-width:40px;font:34px Georgia,serif}.benefits p{margin:0}.benefits strong,.benefits small{display:block}.benefits strong{margin:2px 0 7px;font:600 15px Georgia,serif}.benefits small{color:#515b60;font-size:12px;line-height:1.55}.home-feature{grid-template-columns:1.06fr .98fr .77fr;align-items:stretch;gap:20px;padding-top:24px;padding-bottom:24px;display:grid}.feature-copy{padding:40px 22px 30px 0}.feature-copy h2,.home-topics h2{letter-spacing:-.03em;margin:18px 0;font:400 clamp(32px,2.8vw,48px)/1.08 Georgia,serif}.feature-copy p:not(.eyebrow){margin-bottom:24px;font-size:16px;line-height:1.7}.home-feature>img{object-fit:cover;width:100%;height:100%;min-height:345px}.quick-check{background:#f8f6f2;padding:25px 26px}.quick-check h3{margin:2px 0 9px;font:26px/1.1 Georgia,serif}.quick-check p{margin:9px 0 16px;font-size:14px;line-height:1.55}.quick-check label{margin:10px 0 5px;font-size:12px;font-weight:700;display:block}.euro-input{background:#fff;border:1px solid #d7d8d6;align-items:center;display:flex}.euro-input input{background:0 0;border:0;width:100%;min-width:0;padding:11px}.euro-input span{color:#56666a;padding:0 12px}.quick-check .btn{width:100%;margin-top:20px}.home-topics{padding-block:32px 44px}.topic-heading{justify-content:space-between;align-items:center;gap:20px;display:flex}.topic-heading h2{margin:13px 0 28px}.topic-heading a,.topic-content>a{text-underline-offset:4px;font-size:13px;font-weight:700}.topic-grid{grid-template-columns:repeat(3,1fr);gap:30px;display:grid}.topic-card{border:1px solid #e5e7e6;overflow:hidden}.topic-picture{display:block}.topic-picture img{object-fit:cover;width:100%;height:190px;display:block}.topic-content{padding:19px 21px 24px}.topic-content h3{margin:0 0 9px;font:25px Georgia,serif}.topic-content p{color:#4f5658;min-height:70px;font-size:15px;line-height:1.55}.contact-band{background:var(--petrol);color:#fff;grid-template-columns:1fr 1.35fr;display:grid}.contact-photo{min-height:300px;position:relative;overflow:hidden}.contact-photo img{object-fit:cover;width:100%;height:100%;position:absolute}.contact-photo span{color:var(--petrol);text-shadow:0 2px 9px #fffd;font:italic 24px Georgia,serif;position:absolute;top:40px;left:25%;transform:rotate(-8deg)}.contact-band-copy{padding:43px max(5vw,40px)}.contact-band-copy .eyebrow{color:#c4d8df}.contact-band-copy h2{margin:10px 0;font:38px Georgia,serif}.contact-band-copy p{font-size:16px;line-height:1.5}.contact-actions{flex-wrap:wrap;align-items:center;gap:45px;margin-top:26px;display:flex}.phone-large{font-size:26px;font-weight:700;text-decoration:none}.contact-note{color:#cedad9;font-size:12px!important}.footer{color:#f7faf8;background:#123f4a;padding:35px 0 25px}.footer-grid{grid-template-columns:1.3fr 2fr 1fr;align-items:start;gap:30px;display:grid}.footer-brand{font:25px Georgia,serif;text-decoration:none}.footer-grid p{font-size:13px;line-height:1.55}.footer-grid nav{flex-wrap:wrap;align-items:center;gap:22px;padding-top:12px;display:flex}.footer-grid a{font-size:13px;text-decoration:none}.footer-grid>div:last-child{flex-wrap:wrap;gap:15px;padding-top:12px;display:flex}.fine{color:#d9e6e3;border-top:1px solid #fff3;margin-top:25px;padding-top:18px;font-size:12px;line-height:1.5}.prose{max-width:1500px;padding:65px 0 90px}.prose>p:not(.lead):not(.eyebrow),.prose>.lead,.prose>ul,.prose>ol,.prose>.note,.prose>.sources,.prose>.source-list{max-width:92ch}.prose>.lead{max-width:76ch}.prose>.columns,.prose>.tiles,.prose>.board,.prose>.calculator,.prose>.fields{width:100%;max-width:none}.prose h1{font:400 clamp(38px,4vw,60px)/1.12 Georgia,serif}.prose h2{margin-top:40px;font:400 38px Georgia,serif}.prose h3{font:400 26px Georgia,serif}.prose p,.prose li{font-size:17px;line-height:1.7}.prose .lead{font-size:21px}.prose ul{padding-left:25px}.note{border-left:5px solid var(--petrol);background:#f0f5f2;margin:25px 0;padding:20px}.columns,.calculator{grid-template-columns:1fr 1fr;gap:26px;display:grid}.calculator{background:#f7f8f6;padding:30px}.fields{gap:16px;display:grid}.field{gap:7px;font-weight:700;display:grid}.field input,.field select,.field textarea{color:#123f4a;background:#fff;border:1px solid #819d97;width:100%;padding:14px}.results{background:#e9f0ed;padding:28px}.results strong{margin:10px 0;font:36px Georgia,serif;display:block}.results dl{grid-template-columns:1fr 1fr;gap:10px;display:grid}.results dd{text-align:right;margin:0;font-weight:700}.contact-form-message{color:#8a1f1f;background:#fff2f2;border:1px solid #d9a1a1;border-radius:4px;margin:0 0 15px;padding:14px;font-weight:700}.contact-form-error{color:#a32121;margin:-6px 0 0;font-size:14px;font-weight:700}.contact-form-message[hidden],.contact-form-error[hidden]{display:none}.sources,.sources li{font-size:14px}.source-list a{overflow-wrap:anywhere}details{border-bottom:1px solid #d1ded7;padding:18px 0}summary{cursor:pointer;font-size:18px;font-weight:700}a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible,summary:focus-visible{outline-offset:3px;outline:3px solid #c38d39}@media (width<=1420px){.head-phone,.head-cta{display:none}.menu-btn{color:var(--petrol);background:#fff;border:1px solid #c5d2d2;border-radius:3px;margin-left:auto;padding:12px 16px;font-weight:700;display:block}.nav{z-index:12;background:#fff;flex-direction:column;align-items:stretch;max-height:min(78vh,740px);padding:20px max(3vw,18px);display:none;position:absolute;top:100%;left:0;right:0;overflow:auto;box-shadow:0 15px 20px #0002}.nav.open{display:flex}.nav a{white-space:normal;padding:11px}}@media (width<=1190px){.head-inner{gap:15px}.nav{gap:13px}.brand{font-size:21px}.head-phone{display:none}.home-feature{grid-template-columns:1fr 1fr}.quick-check{grid-column:1/-1}.quick-check form{grid-template-columns:1fr 1fr;gap:10px 20px;display:grid}.quick-check form .btn{grid-column:1/-1}.benefits-grid{grid-template-columns:repeat(2,1fr)}}@media (width<=790px){.shell{width:calc(100% - 36px)}.head-inner{min-height:75px}.brand{font-size:20px}.brand svg{width:33px}.menu-btn{background:#fff;border:1px solid #c5d2d2;margin-left:auto;padding:10px;display:block}.head-cta{display:none}.nav{background:#fff;flex-direction:column;align-items:stretch;padding:20px;display:none;position:absolute;top:75px;left:0;right:0;box-shadow:0 15px 20px #0002}.nav.open{display:flex}.nav a{padding:10px}.friesland-hero{background-image:linear-gradient(90deg,#eaf3f2f5,#eaf3f2bd),url(/images/hero-friesland-clean.webp);background-position:62%;background-size:cover;min-height:490px}.hero-inner{min-height:490px}.hero-text h1{font-size:clamp(38px,8vw,55px)}.hero-text>p:not(.eyebrow){font-size:16px}.benefits-grid{grid-template-columns:1fr 1fr;gap:15px}.benefit-icon{min-width:27px;font-size:26px}.home-feature,.topic-grid,.footer-grid,.contact-band,.columns,.calculator{grid-template-columns:1fr}.home-feature>img{height:320px;min-height:0}.quick-check form{display:block}.topic-heading{align-items:start}.topic-heading h2{font-size:34px}.topic-grid{gap:18px}.topic-content p{min-height:0}.contact-photo{min-height:240px}.contact-band-copy{padding:35px 22px}.contact-band-copy h2{font-size:32px}.footer-grid nav{gap:12px}.prose{padding:40px 0}.prose h1{font-size:39px}}@media (width<=480px){.benefits-grid{grid-template-columns:1fr}.benefits-grid>div{border-right:0}.hero-text h1{font-size:38px}.actions .btn{width:100%}.quick-check{padding:22px}.feature-copy{padding:16px 0}}@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}img{max-width:100%}.friesland-hero{isolation:isolate;width:100%;overflow:hidden}.hero-inner{z-index:1}@media (width>=1200px){.friesland-hero,.hero-inner{min-height:clamp(490px,31.8vw,575px)}}.home-region{border-top:1px solid var(--line);max-width:1550px;padding-block:30px 38px}.home-region h2{margin:12px 0 20px;font:400 clamp(30px,3vw,43px)/1.15 Georgia,serif}.home-region p{max-width:100ch;font-size:16px;line-height:1.75}.home-region .source-line{color:#495c62;font-size:13px}.nav{gap:clamp(9px,1.15vw,18px)}.nav a{font-size:12px}.nav a[aria-current=page]{color:var(--petrol);text-underline-offset:7px;text-decoration:underline 2px}.nav-legal{display:none}@media (width<=1500px){.head-phone{display:none}.head-inner{gap:14px}}@media (width<=1220px){.head-inner{min-height:75px}.menu-btn{background:#fff;border:1px solid #c5d2d2;margin-left:auto;padding:10px;display:block}.head-cta{display:none}.nav{background:#fff;flex-direction:column;align-items:stretch;gap:0;max-height:calc(100dvh - 75px);padding:12px max(18px,4vw) 20px;display:none;position:absolute;top:100%;left:0;right:0;overflow-y:auto;box-shadow:0 15px 20px #0002}.nav.open{display:flex}.nav a{white-space:normal;padding:11px 6px;font-size:16px;display:block}.nav-legal{border-top:1px solid var(--line);flex-direction:column;margin-top:8px;padding-top:6px;display:flex}}.tiles{grid-template-columns:repeat(3,minmax(0,1fr));gap:24px;display:grid}.tile{background:var(--sand);border:1px solid #e8e6df;padding:24px}.board{grid-template-columns:repeat(2,minmax(0,1fr));gap:24px;display:grid}.board>div{background:#f4f7f5;border:1px solid #dce5df;padding:24px}@media (width<=790px){.tiles,.board{grid-template-columns:1fr}.prose>p,.prose>.lead{max-width:none}}.lead-path{border-block:1px solid var(--line);grid-template-columns:minmax(0,1fr) minmax(0,1.4fr);align-items:center;gap:clamp(25px,4vw,70px);padding-block:44px;display:grid}.lead-path h2{margin:12px 0;font:400 clamp(30px,2.5vw,42px)/1.14 Georgia,Times New Roman,serif}.lead-path p:not(.eyebrow){max-width:57ch;line-height:1.65}.lead-path-options{grid-template-columns:repeat(3,minmax(0,1fr));gap:12px;display:grid}.lead-path-options a{background:var(--sand);border:1px solid #d9e0dc;border-radius:4px;justify-content:space-between;align-items:center;gap:14px;min-height:100px;padding:17px;font-weight:700;line-height:1.4;text-decoration:none;display:flex}.lead-path-options a:hover{border-color:var(--petrol);background:#edf4f2}@media (width<=1024px){.lead-path{grid-template-columns:1fr}.lead-path-options{grid-template-columns:repeat(3,minmax(0,1fr))}}@media (width<=650px){.lead-path-options{grid-template-columns:1fr}.lead-path-options a{min-height:65px}}@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}.prose .article-photo{width:100%;max-width:none;margin:1.75rem 0 2.2rem}.prose .article-photo img{object-fit:cover;border-radius:7px;width:100%;height:clamp(210px,26vw,400px);display:block}@media (width<=640px){.prose .article-photo img{height:220px}}.prose .article-photo--legal img{height:clamp(160px,18vw,260px)}.advisor-section{background:#f3f6f4;border:1px solid #e0e8e4;grid-template-columns:minmax(0,1.15fr) minmax(0,1.25fr) minmax(175px,.58fr);align-items:center;gap:clamp(22px,3vw,55px);margin-block:58px 70px;padding:26px;display:grid}.advisor-image img{object-fit:cover;object-position:center;border-radius:2px;width:100%;height:390px;display:block}.advisor-details h2{color:var(--petrol);margin:10px 0 16px;font:clamp(32px,3vw,49px)/1.12 Georgia,Times New Roman,serif}.advisor-details p{line-height:1.55}.advisor-contact-links{flex-direction:column;align-items:flex-start;gap:12px;margin:20px 0;display:flex}.advisor-contact-links>a:not(.btn){color:var(--petrol);overflow-wrap:anywhere;font-weight:700}.advisor-location{color:#536469;font-size:13px}.advisor-qr{text-align:center;flex-direction:column;align-items:center;gap:9px;font-size:14px;display:flex}.advisor-qr img{background:#fff;width:100%;max-width:180px;height:auto;padding:8px;display:block}.advisor-qr a{color:var(--petrol)}.advisor-qr small{color:#546366;font-size:11px;line-height:1.45}.contact-advisor-mini{grid-template-columns:1fr 1fr;align-items:start;gap:14px;margin:16px 0;display:grid}.contact-advisor-mini>img{object-fit:cover;width:100%;height:270px}.contact-advisor-mini .qr-image{width:min(100%,150px);height:auto}@media (width<=1080px){.advisor-section{grid-template-columns:minmax(0,1fr) minmax(0,1fr)}.advisor-qr{flex-flow:wrap;grid-column:1/-1;justify-content:center}.advisor-qr img{max-width:125px}.advisor-qr small{max-width:230px}}@media (width<=650px){.advisor-section{grid-template-columns:1fr;margin-block:36px;padding:16px}.advisor-image img{aspect-ratio:4/3;height:auto}.advisor-qr{flex-direction:column;grid-column:auto}.advisor-qr img{max-width:180px}.contact-advisor-mini{grid-template-columns:1fr}}.friesland-hero{background-position:50% 54%;background-repeat:no-repeat;background-size:cover;min-height:460px}.hero-inner{min-height:460px}.hero-text{max-width:700px;padding:48px 0}.hero-text h1{margin:15px 0;font-size:clamp(36px,3vw,54px);line-height:1.09}.hero-text>p:not(.eyebrow){max-width:610px;font-size:17px;line-height:1.45}.nav{align-items:center;gap:clamp(15px,1.7vw,30px);margin-left:auto;display:flex}.nav-group{flex-shrink:0;position:relative}.nav-group summary{cursor:pointer;white-space:nowrap;padding:15px 4px;font-size:14px;font-weight:700;list-style:none}.nav-group summary::-webkit-details-marker{display:none}.nav-chevron{margin-left:8px;font-size:18px;display:inline-block}.nav-group[open] .nav-chevron{transform:rotate(180deg)}.nav-submenu{z-index:40;border:1px solid var(--line);background:#fff;width:max-content;min-width:250px;max-width:min(360px,90vw);padding:8px;position:absolute;top:100%;left:0;box-shadow:0 12px 25px #102e342a}.nav-submenu a{white-space:normal;border-radius:2px;padding:11px 12px;font-size:14px;display:block}.nav-submenu a:hover,.nav-submenu a:focus-visible{background:#edf3f0}.nav-direct{font-size:14px!important}.nav summary:focus-visible,.nav a:focus-visible{outline-offset:3px;outline:3px solid #248098}@media (width>=1221px){.menu-btn,.nav-legal{display:none}}@media (width<=1220px){.nav{display:none}.nav.open{display:flex}.nav-group{border-bottom:1px solid #dce4e1;width:100%}.nav-group summary{padding:13px 8px;font-size:16px}.nav-submenu{box-shadow:none;border:0;width:100%;max-width:100%;padding:0 0 8px 12px;position:static}.nav-submenu a{font-size:15px}.nav-direct{font-size:16px!important}}@media (width<=790px){.friesland-hero{background-position:64%;min-height:430px}.hero-inner{min-height:430px}.hero-text{padding:35px 0}.hero-text h1{font-size:clamp(35px,7vw,46px)}.hero-text>p:not(.eyebrow){font-size:16px}}@media (width<=480px){.friesland-hero,.hero-inner{min-height:450px}.hero-text h1{font-size:35px}}