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.mvv-block .num{font-family:var(--font-display);color:var(--accent);margin-bottom:.8rem;font-size:3.2rem;font-weight:700;line-height:1;display:block}.mvv-split .split-media img{aspect-ratio:4/3;object-fit:cover;width:100%}@media (width<=860px){.split.flip .split-media{order:2}}.fpo{font-family:var(--font-body);letter-spacing:.06em;text-transform:uppercase;color:#5c3d00;vertical-align:middle;white-space:normal;background:#ffe08a;border:1px dashed #a36a00;border-radius:3px;margin:0 .15rem;padding:.2rem .45rem;font-size:.75rem;font-style:normal;font-weight:700;line-height:1.2;display:inline-block}.fpo-line{text-align:center;color:var(--muted);margin:1.1rem 0 0;font-size:.875rem}.footer-fine{color:var(--dark-muted);margin-top:1.2rem;font-size:.75rem;line-height:1.6}.footer-fine p{max-width:110ch;margin:0}.site-footer.minimal .footer-fine{display:none}.lead-form .check span{font-size:.875rem;line-height:1.5}.lead-form .check a{text-decoration:underline}.values-list.values-plain li{grid-template-columns:1fr}.mvv-split .mvv-label{font-family:var(--font-body);color:var(--accent);margin:0 0 .8rem;font-size:1rem;font-weight:700}.mvv-split .mvv-block .display{font-family:var(--font-display);color:var(--ink);max-width:24ch;margin:0;font-size:clamp(1.35rem,2.5vw,1.95rem);font-weight:500;line-height:1.3}.sr-only{clip:rect(0,0,0,0);white-space:nowrap;border:0;width:1px;height:1px;margin:-1px;padding:0;position:absolute;overflow:hidden}[data-skin=umbrella]{--font-display:"Poppins",system-ui,sans-serif;--font-body:"Poppins",system-ui,sans-serif;--bg:#fff;--bg-tint:#eef0f2;--surface:#fff;--ink:#00132b;--muted:#586170;--line:#d7dade;--primary:#00132b;--primary-ink:#fff;--primary-hover:#00273f;--accent:#a2592d;--accent-ink:#fff;--accent-soft:#f4e7dc;--dark-bg:#00132b;--dark-ink:#f2f4f6;--dark-muted:#aab4c2;--silver:#c9ccd1;--silver-light:#e8e9eb;--gun:#3b3b3e;--sea:#00273f;--copper-light:#e9b88f;--radius:14px;--radius-sm:9px;--shadow:0 18px 44px #00132b24;--wrap:1240px;--h1:clamp(2.1rem,4.6vw,3.5rem);--h2:clamp(1.5rem,2.8vw,2.15rem);--h3:1.1rem;--lh-display:1.14;--track-display:-.01em;--eyebrow-weight:600;--eyebrow-case:uppercase;--btn-radius:9px;--btn-weight:600}[data-skin=umbrella] body{color:var(--ink);background:var(--bg);font-size:1rem;font-weight:400}[data-skin=umbrella] strong{font-weight:600}[data-skin=umbrella] h1,[data-skin=umbrella] h2,[data-skin=umbrella] h3,[data-skin=umbrella] h4{letter-spacing:var(--track-display);font-weight:600}[data-skin=umbrella] .eyebrow{color:var(--accent);letter-spacing:.14em;font-size:.75rem;font-weight:700}[data-skin=umbrella] .lead{color:var(--muted);font-size:1.125rem;font-weight:400}[data-skin=umbrella] .h4{color:var(--muted);font-size:1rem;font-weight:700}[data-skin=umbrella] em{color:var(--accent);font-style:normal}[data-skin=umbrella] ::selection{background:var(--accent);color:#fff}[data-skin=umbrella] 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a{color:#fff;border-color:#ffffff1f}[data-skin=umbrella] .site-header.utility .util-links{color:var(--silver)}[data-skin=umbrella] .site-header.utility .util-links a{color:#fff}[data-skin=umbrella] .um-hero{background:var(--dark-bg);color:#fff;isolation:isolate;text-align:center;justify-content:center;align-items:flex-end;min-height:100svh;margin-top:-77px;padding:8rem 0 clamp(6.5rem,14vh,9rem);display:flex;position:relative;overflow:hidden}[data-skin=umbrella] .um-hero-media{z-index:-2;background:var(--dark-bg) url(/video/umbrella-hero-poster.jpg) center/cover no-repeat;position:absolute;inset:0}[data-skin=umbrella] .um-hero-video{object-fit:cover;object-position:42% 50%;width:100%;height:100%;display:block}[data-skin=umbrella] .um-hero:after{content:"";z-index:-1;background:linear-gradient(#00132b9e 0%,#00132b1f 26%,#00132b47 55%,#00132bdb 100%);position:absolute;inset:0}[data-skin=umbrella] .um-hero-inner{flex-direction:column;align-items:center;max-width:980px;display:flex}[data-skin=umbrella] .um-hero-kicker,[data-skin=umbrella] .um-hero-markets{letter-spacing:.42em;text-transform:uppercase;color:#ffffffe6;margin:0;padding-left:.42em;font-size:clamp(.78rem,1.5vw,1.05rem);font-weight:400}[data-skin=umbrella] .um-hero .um-display{letter-spacing:-.012em;text-wrap:balance;text-shadow:0 2px 24px #00132b73;margin:.9rem 0 1rem;font-size:clamp(2.3rem,5.8vw,4.6rem);font-weight:600;line-height:1.08}[data-skin=umbrella] .um-reg{vertical-align:top;opacity:.85;margin-left:.06em;font-size:.46em;font-weight:400;line-height:1;position:relative;top:.22em}[data-skin=umbrella] .um-hero-markets{color:var(--copper-light);margin-bottom:2.2rem}[data-skin=umbrella] .um-hero-markets span+span:before{content:"·";margin:0 1.1em 0 .7em}[data-skin=umbrella] .um-hero .um-cta-row{justify-content:center}[data-skin=umbrella] .um-pill{border:1px solid var(--copper-light);color:#fff;letter-spacing:.16em;text-transform:uppercase;box-shadow:none;backdrop-filter:blur(4px);background:#00132b40;border-radius:999px;padding:1.05rem 2.2rem;font-size:.875rem;font-weight:500}[data-skin=umbrella] .um-pill:hover{background:var(--accent);border-color:var(--accent);color:#fff}[data-skin=umbrella] .um-pill-quiet{border-color:#ffffff80}[data-skin=umbrella] .um-pill-quiet:hover{color:var(--ink);background:#fff;border-color:#fff}[data-skin=umbrella] .um-pill-dark{color:var(--ink);border-color:var(--accent);backdrop-filter:none;background:0 0;align-self:flex-end}[data-skin=umbrella] .um-scroll-cue{background:#ffffff40;width:1px;height:44px;position:absolute;bottom:1.6rem;left:50%;overflow:hidden}[data-skin=umbrella] .um-scroll-cue span{background:var(--copper-light);width:1px;height:50%;animation:2.2s ease-in-out infinite um-cue;position:absolute;top:-50%;left:0}@keyframes um-cue{to{top:100%}}@media (prefers-reduced-motion:reduce){[data-skin=umbrella] 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.um-who-title{letter-spacing:-.015em;color:var(--ink);margin:0;font-size:clamp(2.2rem,4.6vw,3.6rem);font-weight:700;line-height:1.05}[data-skin=umbrella] .um-who-title:after{content:"";background:var(--accent);width:64px;height:4px;margin-top:1.2rem;display:block}[data-skin=umbrella] .um-who-copy{flex-direction:column;gap:1.3rem;display:flex}[data-skin=umbrella] .um-who-copy p{color:var(--muted);margin:0;font-size:1rem;line-height:1.75}[data-skin=umbrella] .um-who-copy .um-who-lead{color:var(--ink);font-size:1.25rem;font-weight:500;line-height:1.6}[data-skin=umbrella] .um-who-panel{background:var(--bg-tint);border-radius:var(--radius);margin-top:clamp(2.5rem,5vw,4rem);padding:clamp(1.6rem,3.2vw,2.6rem) clamp(1.2rem,3vw,2.6rem)}[data-skin=umbrella] .um-who-panel-title{color:var(--ink);text-align:center;margin:0 0 clamp(1.2rem,2.4vw,1.8rem);font-size:1.25rem;font-weight:600;line-height:1.3}[data-skin=umbrella] .um-who-list{grid-template-columns:repeat(5,1fr);margin:0;padding:0;list-style:none;display:grid}[data-skin=umbrella] .um-who-list li{text-align:center;color:var(--ink);flex-direction:column;align-items:center;gap:.9rem;padding:.4rem clamp(.6rem,1.4vw,1.2rem);font-size:1.125rem;font-weight:600;line-height:1.3;display:flex}[data-skin=umbrella] .um-who-icon{width:40px;height:40px;color:var(--ink);flex:none}@media (width<=900px){[data-skin=umbrella] .um-who-list li{padding-inline:.4rem;font-size:1rem}}[data-skin=umbrella] .um-who-list li+li{border-left:1px solid var(--line)}@media (width<=760px){[data-skin=umbrella] .um-who-grid{grid-template-columns:1fr}[data-skin=umbrella] .um-who-media img{aspect-ratio:16/11}[data-skin=umbrella] .um-who-list{grid-template-columns:1fr}[data-skin=umbrella] .um-who-panel-title{text-align:left}[data-skin=umbrella] .um-who-list li{text-align:left;border-bottom:1px solid var(--line);flex-direction:row;gap:.9rem;padding:.8rem 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.um-display{font-family:var(--font-display);letter-spacing:-.01em;color:#fff;margin:0 0 1.1rem;font-size:clamp(2rem,4.6vw,3.4rem);font-weight:700;line-height:1.14}[data-skin=umbrella] .um-display-sm{color:inherit;font-size:clamp(1.5rem,3vw,2.15rem)}[data-skin=umbrella] .um-lead{color:var(--muted);max-width:60ch;margin:0 0 1.8rem;font-size:1.125rem;line-height:1.6}[data-skin=umbrella] .um-hero .um-lead{color:#ffffffd1}[data-skin=umbrella] .um-cta-row{flex-wrap:wrap;gap:1rem;display:flex}[data-skin=umbrella] .um-hero .btn-secondary{color:#fff;border-color:#ffffff8c}[data-skin=umbrella] .um-hero .btn-secondary:hover{color:var(--ink);background:#fff}[data-skin=umbrella] .um-section-head{max-width:64ch;margin-bottom:2.4rem}[data-skin=umbrella] .um-center{text-align:center;margin:2.2rem 0 0}[data-skin=umbrella] .um-chooser{background:#fff;padding:clamp(3.5rem,7vw,5.5rem) 0}[data-skin=umbrella] .um-market-grid{grid-template-columns:repeat(3,1fr);gap:1.75rem;display:grid}[data-skin=umbrella] .um-market-item{position:relative}[data-skin=umbrella] .um-badge{z-index:2;letter-spacing:.08em;text-transform:uppercase;border-radius:999px;padding:.35rem .7rem;font-size:.75rem;font-weight:700;position:absolute;top:.9rem;left:.9rem}[data-skin=umbrella] .um-future{border-top:1px solid var(--line);margin-top:clamp(2.2rem,4vw,3.2rem);padding-top:clamp(1.6rem,3vw,2.2rem)}[data-skin=umbrella] .um-future-title{color:var(--ink);margin:0 0 1.2rem;font-size:1.25rem;font-weight:600}[data-skin=umbrella] .um-future-grid{grid-template-columns:repeat(2,1fr);gap:1.75rem;display:grid}[data-skin=umbrella] .um-future-card{border:1.5px dashed var(--line);border-radius:var(--radius);background:#fff;grid-template-columns:minmax(120px,34%) 1fr;align-items:stretch;display:grid;overflow:hidden}[data-skin=umbrella] .um-future-card img{object-fit:cover;filter:grayscale(.55)saturate(.7)brightness(.92);width:100%;height:100%;min-height:150px;display:block}[data-skin=umbrella] .um-future-body{flex-direction:column;justify-content:center;gap:.4rem;padding:1.3rem 1.5rem;display:flex}[data-skin=umbrella] .um-future-body h4{color:var(--ink);margin:0;font-size:1.125rem;font-weight:600}[data-skin=umbrella] .um-future-body p{color:var(--muted);margin:0;font-size:1rem}[data-skin=umbrella] .um-status{color:var(--muted);border-top:1px solid var(--line);margin-top:.4rem;padding-top:.7rem;font-size:.875rem;font-style:normal}[data-skin=umbrella] .market-card .card-actions .btn{border-radius:var(--btn-radius)}[data-skin=umbrella] .um-team{background:var(--bg-tint);padding:clamp(3.5rem,7vw,5.5rem) 0}[data-skin=umbrella] .um-team-grid .leader-card{background:#fff}[data-skin=umbrella] .um-corporate{background:var(--dark-bg);color:var(--dark-ink);padding:clamp(3.5rem,7vw,5.5rem) 0 0}[data-skin=umbrella] .um-corporate-grid{border-bottom:1px solid #ffffff1f;grid-template-columns:1fr;gap:clamp(2rem,4vw,3rem);padding-bottom:clamp(3rem,6vw,4.5rem);display:grid}[data-skin=umbrella] .um-corporate .um-display{color:#fff}[data-skin=umbrella] .um-corporate .um-lead{color:var(--dark-muted)}[data-skin=umbrella] .um-corporate-copy{grid-template-columns:1.1fr 1fr;align-items:end;gap:clamp(1.5rem,5vw,4rem);display:grid}[data-skin=umbrella] .um-corporate-copy .um-display{margin:0;font-size:clamp(1.9rem,3.6vw,2.9rem)}[data-skin=umbrella] .um-license-line{color:var(--dark-muted);margin:0;font-size:1rem;line-height:1.6}[data-skin=umbrella] .um-license-line a{color:var(--copper-light);border-bottom:1px solid var(--copper-light);text-decoration:none}[data-skin=umbrella] .um-stats{border-top:1px solid #ffffff29;grid-template-columns:repeat(4,1fr);margin:0;padding:0;list-style:none;display:grid}[data-skin=umbrella] .um-stats li{flex-direction:column;gap:.7rem;padding:clamp(1.4rem,3vw,2.2rem) clamp(1rem,2.4vw,2rem) 0;display:flex}[data-skin=umbrella] .um-stats li:first-child{padding-left:0}[data-skin=umbrella] .um-stats li+li{border-left:1px solid #ffffff29}[data-skin=umbrella] .um-stats strong{font-family:var(--font-display);letter-spacing:-.02em;color:var(--copper-light);font-size:clamp(3rem,6.4vw,5.4rem);font-weight:700;line-height:.95}[data-skin=umbrella] .um-stats span{letter-spacing:.06em;text-transform:uppercase;color:var(--dark-ink);font-size:.875rem;font-weight:500;line-height:1.4}[data-skin=umbrella] .um-join{flex-wrap:wrap;justify-content:space-between;align-items:center;gap:2rem;padding-block:clamp(2.6rem,5vw,3.6rem);display:flex}[data-skin=umbrella] .um-join-copy{max-width:56ch}[data-skin=umbrella] .um-join-copy h3{color:#fff;margin-bottom:.6rem;font-size:clamp(1.2rem,2vw,1.5rem)}[data-skin=umbrella] .um-join-copy p{color:var(--dark-muted);margin:0}[data-skin=umbrella] .um-join .eyebrow{color:var(--copper-light)}[data-skin=umbrella] .um-blog{background:#fff;padding:clamp(3.5rem,7vw,5.5rem) 0}[data-skin=umbrella] .um-cta{background:var(--bg-tint);padding:clamp(3.5rem,7vw,5.5rem) 0}[data-skin=umbrella] .um-cta-grid{grid-template-columns:1fr 1.1fr;align-items:start;gap:clamp(2rem,5vw,4rem);display:grid}[data-skin=umbrella] .um-cta .um-lead{color:var(--muted)}[data-skin=umbrella] .um-cta .um-lead a{color:var(--ink);border-bottom:1px solid var(--accent);text-decoration:none}[data-skin=umbrella] .um-cta .um-eyebrow{color:var(--accent)}[data-skin=umbrella] .um-cta-person{grid-template-columns:minmax(150px,42%) 1fr;align-items:start;gap:clamp(1.2rem,2.5vw,2rem);margin-top:clamp(1.6rem,3vw,2.4rem);display:grid}[data-skin=umbrella] .um-cta-person img{aspect-ratio:4/5;object-fit:cover;object-position:50% 0;border-radius:var(--radius);width:100%;display:block}[data-skin=umbrella] .um-cta-person dl{gap:0;margin:0;display:grid}[data-skin=umbrella] .um-cta-person dl>div{border-top:1px solid var(--line);padding:.85rem 0}[data-skin=umbrella] .um-cta-person dl>div:first-child{border-top:0;padding-top:0}[data-skin=umbrella] .um-cta-person dt{letter-spacing:.1em;text-transform:uppercase;color:var(--muted);margin-bottom:.25rem;font-size:.75rem;font-weight:700}[data-skin=umbrella] .um-cta-person dd{color:var(--ink);margin:0;font-size:1rem;line-height:1.5}[data-skin=umbrella] .um-cta-person dd a{color:var(--ink);border-bottom:1px solid var(--accent);font-weight:600;text-decoration:none}[data-skin=umbrella] .um-cta-person .fpo{margin-top:.4rem}[data-skin=umbrella] .um-form{border-radius:var(--radius);border:1px solid var(--line);box-shadow:var(--shadow);background:#fff;padding:1.9rem}@media (width<=960px){[data-skin=umbrella] .um-market-grid{grid-template-columns:repeat(2,1fr)}[data-skin=umbrella] .um-corporate-copy{grid-template-columns:1fr;align-items:start}[data-skin=umbrella] .um-stats{grid-template-columns:repeat(2,1fr)}[data-skin=umbrella] .um-stats li{padding-bottom:clamp(1.4rem,3vw,2.2rem)}[data-skin=umbrella] .um-stats li:nth-child(odd){border-left:0;padding-left:0}[data-skin=umbrella] .um-stats li:nth-child(n+3){border-top:1px solid #ffffff29}[data-skin=umbrella] .um-cta-grid{grid-template-columns:1fr}}@media (width<=640px){[data-skin=umbrella] .um-market-grid,[data-skin=umbrella] .um-future-grid{grid-template-columns:1fr}[data-skin=umbrella] .um-join{flex-direction:column;align-items:flex-start}}[data-skin=umbrella] .hero{background:var(--dark-bg)}[data-skin=umbrella] .hero-scrim{background:linear-gradient(180deg,#00132b40 0%,#00132b8c 45%,var(--dark-bg) 100%)}[data-skin=umbrella] .hero-media img{filter:saturate(.65)brightness(.85)}[data-skin=umbrella] .hero .eyebrow{color:var(--copper-light)}[data-skin=umbrella] .hero h1{color:#fff;font-weight:700}[data-skin=umbrella] .hero h1 em{color:var(--copper-light)}[data-skin=umbrella] .hero .lead{color:var(--silver)}[data-skin=umbrella] .hero .btn-secondary{color:#fff;border-color:#fff9}[data-skin=umbrella] .hero .btn-secondary:hover{color:var(--ink);background:#fff}[data-skin=umbrella] .section{padding:clamp(3.2rem,7vw,5.5rem) 0}[data-skin=umbrella] .tone-tint{background:var(--bg-tint)}[data-skin=umbrella] .tone-dark{background:var(--dark-bg)}[data-skin=umbrella] .tone-dark .eyebrow{color:var(--copper-light)}[data-skin=umbrella] .section-head h2{font-size:clamp(1.4rem,2.6vw,2rem)}[data-skin=umbrella] .card{border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow)}[data-skin=umbrella] .card-body{padding:1.5rem 1.6rem 1.7rem}[data-skin=umbrella] .card-body h3 a{color:var(--ink);text-decoration:underline;text-decoration-color:var(--line);text-underline-offset:3px}[data-skin=umbrella] .card-body h3 a:hover{color:var(--accent);text-decoration-color:var(--accent)}[data-skin=umbrella] .role{color:var(--accent)}[data-skin=umbrella] .chip{background:var(--bg-tint);border-radius:999px}[data-skin=umbrella] .chip-link:hover{background:var(--accent);color:#fff}[data-skin=umbrella] .chip-soft{background:var(--accent-soft);color:var(--accent)}[data-skin=umbrella] .market-card .chips .chip{border:1px solid var(--line);background:0 0;border-radius:999px}[data-skin=umbrella] .stats strong{color:var(--ink)}[data-skin=umbrella] .values-grid .value{border-radius:var(--radius);border:1px solid #ffffff29;padding:1.7rem}[data-skin=umbrella] .values-grid .value .num{color:var(--copper-light)}[data-skin=umbrella] .testimonials blockquote{border-radius:var(--radius);border:1px solid var(--line);box-shadow:var(--shadow)}[data-skin=umbrella] .testimonials p{font-family:var(--font-display);font-size:1.125rem;font-weight:500}[data-skin=umbrella] .split-media img{border-radius:var(--radius);box-shadow:var(--shadow)}[data-skin=umbrella] .split-form,[data-skin=umbrella] .contact-form-col{border-radius:var(--radius);box-shadow:var(--shadow);border-color:var(--line)}[data-skin=umbrella] .prose a{color:var(--accent)}[data-skin=umbrella] .prose .btn-secondary{color:inherit;border-color:currentColor}[data-skin=umbrella] .person-photo img{border-radius:var(--radius);box-shadow:var(--shadow)}[data-skin=umbrella] .contact-dl dd a{color:var(--ink);border-bottom:1px solid var(--accent);text-decoration:none}[data-skin=umbrella] .contact-photo,[data-skin=umbrella] .broker-row img{border-radius:var(--radius)}[data-skin=umbrella] .market-facts strong{color:var(--ink)}[data-skin=umbrella] .faq summary{font-weight:600}[data-skin=umbrella] .faq summary:after{color:var(--accent)}[data-skin=umbrella] .cta-band{background:var(--dark-bg)}[data-skin=umbrella] .cta-band .btn-secondary{color:#fff;border-color:#ffffff8c}[data-skin=umbrella] .cta-band .btn-secondary:hover{color:var(--ink);background:#fff}[data-skin=umbrella] .lead-form input,[data-skin=umbrella] .lead-form select,[data-skin=umbrella] .lead-form textarea{border-radius:var(--radius-sm);border-color:var(--line)}[data-skin=umbrella] .lead-form input:focus,[data-skin=umbrella] .lead-form select:focus,[data-skin=umbrella] .lead-form textarea:focus{outline-color:var(--accent);border-color:var(--accent)}[data-skin=umbrella] .lead-form .check input{accent-color:var(--accent)}[data-skin=umbrella] .form-sent{border-radius:var(--radius-sm)}[data-skin=umbrella] .table-wrap{border-radius:var(--radius);border-color:var(--line)}[data-skin=umbrella] .lic-table th{background:var(--bg-tint)}[data-skin=umbrella] .ledger-kpis div,[data-skin=umbrella] .calc-card{border-radius:var(--radius);border-color:var(--line)}[data-skin=umbrella] .calc-card.us{border-color:var(--accent);background:var(--accent-soft)}[data-skin=umbrella] .calc-diff{background:var(--dark-bg);border-radius:var(--radius)}[data-skin=umbrella] .bar{background:var(--bg-tint)}[data-skin=umbrella] .bar:after{background:var(--accent)}[data-skin=umbrella] .growth-list .gl-core{background:var(--primary);border-color:var(--primary)}[data-skin=umbrella] .growth-list .gl-next{border-color:var(--accent)}[data-skin=umbrella] .article-media img{border-radius:var(--radius)}[data-skin=umbrella] .article-body a{color:var(--accent)}[data-skin=umbrella] .author-box{border-color:var(--line)}[data-skin=umbrella] .author-box>img{border-radius:var(--radius-sm)}[data-skin=umbrella] .site-footer{background:var(--dark-bg)}[data-skin=umbrella] .footer-grid{grid-template-columns:repeat(6,1fr);gap:1.6rem}[data-skin=umbrella] .footer-grid li a,[data-skin=umbrella] .footer-brand .tagline{font-size:1rem}[data-skin=umbrella] .footer-grid h3{color:var(--copper-light)}[data-skin=umbrella] .footer-links{gap:1.4rem;margin:0;display:flex}[data-skin=umbrella] .footer-legal{align-items:center}[data-skin=umbrella] .footer-legal p{margin:0}@media (width<=1100px){[data-skin=umbrella] .footer-grid{grid-template-columns:repeat(3,1fr)}}@media (width<=800px){[data-skin=umbrella] .footer-grid{grid-template-columns:repeat(2,1fr)}}@media (width<=480px){[data-skin=umbrella] .um-cta-person{grid-template-columns:1fr}[data-skin=umbrella] .um-cta-person img{max-width:220px}}[data-skin=umbrella] .footer-grid a:hover{color:var(--copper-light)}[data-skin=umbrella] .footer-brand .tagline{font-family:var(--font-display);color:#fff;font-style:normal;font-weight:600}[data-skin=umbrella] .footer-legal{border-top-color:#ffffff24}[data-skin=umbrella] .footer-legal a{color:#fff;border-bottom:1px solid #fff6}[data-skin=umbrella] body[data-path=contact] main>.section:first-child{background:linear-gradient(180deg,var(--dark-bg) 0,var(--dark-bg) 400px,var(--bg) 400px)}[data-skin=umbrella] body[data-path=contact] .contact-copy h1{color:#fff;font-size:clamp(1.9rem,3.4vw,2.6rem);line-height:1.22}[data-skin=umbrella] body[data-path=contact] .contact-copy .lead{color:var(--silver);max-width:44ch}[data-skin=umbrella] body[data-path=contact] .contact-dl{border-radius:var(--radius);border:1px solid var(--line);box-shadow:var(--shadow);background:#fff;margin-top:2rem;padding:1.5rem 1.7rem}[data-skin=umbrella] body[data-path=contact] .contact-form-col{background:#fff}@media (width<=900px){[data-skin=umbrella] body[data-path=contact] main>.section:first-child{background:linear-gradient(180deg,var(--dark-bg) 0,var(--dark-bg) 340px,var(--bg) 340px)}}[data-skin=umbrella][data-logo=pin] .brand .logo-dark.logo-pin{display:none}[data-skin=umbrella] .um-who-btn{align-self:flex-start}@media (width<=900px){[data-skin=umbrella] .um-who-btn{justify-content:center;align-self:stretch}[data-skin=umbrella] .um-hero .btn{justify-content:center}}[data-skin=umbrella] .btn-sm{padding:.8rem 1.25rem;font-size:1rem}[data-skin=umbrella] .tone-dark .btn-secondary,[data-skin=umbrella] .hero .btn-secondary,[data-skin=umbrella] .um-hero .btn-secondary{border-color:#ffffff8c}[data-skin=umbrella] main a:not(.btn):not(.card-media):not(.chip):not(.link-arrow):not(.um-scroll-cue){transition:color .15s}[data-skin=umbrella] main a:not(.btn):not(.card-media):not(.chip):not(.link-arrow):not(.um-scroll-cue):hover{color:var(--accent)}[data-skin=umbrella] .um-corporate a:not(.btn):hover,[data-skin=umbrella] .tone-dark a:not(.btn):hover{color:#fff}[data-skin=umbrella] .contact-layout>*{min-width:0}[data-skin=umbrella] .contact-dl dd{overflow-wrap:anywhere}[data-skin=umbrella] .section.tone-default+.contact-strip{background:var(--bg-tint)}[data-skin=umbrella] .tone-dark+.cta-band{border-top:1px solid #ffffff24}[data-skin=umbrella] .footer-marks{align-items:center;gap:1.2rem;margin:0;display:flex}[data-skin=umbrella] .footer-marks img{opacity:.85;width:auto;height:32px}[data-skin=umbrella] body[data-path=leadership] .hero-compact .hero-media img{object-position:100% 30%}@media (width<=700px){[data-skin=umbrella] body[data-path=leadership] .hero-compact .hero-media img{object-position:58% 30%}}@media (width<=640px){[data-skin=umbrella] .grid-4.um-team-grid,[data-skin=umbrella] .leaders-grid{grid-template-columns:repeat(2,1fr);gap:.9rem}[data-skin=umbrella] .um-team-grid .card-body{padding:.9rem}[data-skin=umbrella] body[data-path=leadership] main .grid-4{grid-template-columns:repeat(2,1fr);gap:.9rem}}[data-skin=umbrella] .um-hero-h1{font:inherit;flex-direction:column;align-items:center;margin:0;display:flex}[data-skin=umbrella] .um-hero .um-hero-h1 .um-display{margin:.9rem 0 1.1rem;display:block}[data-skin=umbrella] .um-hero-local{font-family:var(--font-body);letter-spacing:.3em;text-transform:uppercase;color:var(--copper-light);text-wrap:balance;margin:0 0 2.2rem;padding-left:.3em;font-size:clamp(.78rem,1.5vw,1.05rem);font-weight:400;line-height:1.7;display:block}[data-skin=umbrella] .um-hero-link{color:#fff;border-bottom:1px solid #ffffff8c;margin-top:1.4rem;padding-bottom:.15rem;font-weight:500;text-decoration:none;display:inline-block}[data-skin=umbrella] .um-hero-link:hover{color:var(--copper-light);border-bottom-color:var(--copper-light)}@media (width<=900px){[data-skin=umbrella] .um-hero-local{letter-spacing:.18em;margin-bottom:1.6rem;padding-left:.18em}[data-skin=umbrella] .um-hero-link{align-self:center}}[data-skin=umbrella] .prose a:not(.btn):hover,[data-skin=umbrella] .lead-form .check a:hover,[data-skin=umbrella] .footer-legal a:hover{color:var(--ink);text-decoration-color:var(--ink)}[data-skin=umbrella] .footer-legal a:hover{color:var(--copper-light);border-bottom-color:var(--copper-light)}[data-skin=umbrella] .values-plain li{border-top-color:var(--line)}[data-skin=umbrella] .values-plain h3{color:var(--ink)}[data-skin=umbrella] .values-plain p{color:var(--muted)}[data-skin=umbrella] .nowrap,[data-skin=umbrella] a[href^=tel\:]{white-space:nowrap}[data-skin=umbrella] .hero-fpo{right:var(--gutter);z-index:2;position:absolute;bottom:1rem}[data-skin=umbrella] .card-media,[data-skin=umbrella] .split-media,[data-skin=umbrella] .person-photo,[data-skin=umbrella] .article-media-in,[data-skin=umbrella] .um-future-media{position:relative}[data-skin=umbrella] .media-fpo,[data-skin=umbrella] .split-media .fpo{z-index:2;position:absolute;top:.8rem;left:.8rem}[data-skin=umbrella] .um-future-media{height:100%}[data-skin=umbrella] .card-tag{letter-spacing:.1em;text-transform:uppercase;color:var(--accent);margin:0 0 .2rem;font-size:.75rem;font-weight:700}[data-skin=umbrella] .byline{flex-wrap:wrap;align-items:center;gap:.25rem 1rem;display:flex}[data-skin=umbrella] .byline-who{color:var(--ink);align-items:center;gap:.45rem;font-weight:500;display:inline-flex}[data-skin=umbrella] .byline-meta{color:var(--muted)}[data-skin=umbrella] .person-role{margin:-.2rem 0 1rem;font-size:1.125rem}[data-skin=umbrella] .leader-contact{margin:.6rem 0 0}[data-skin=umbrella] .um-corporate .btn-secondary{color:#fff;border-color:#ffffff8c}[data-skin=umbrella] .um-corporate .btn-secondary:hover{color:var(--ink);background:#fff}[data-skin=umbrella] .lead-form .optional{color:var(--muted);font-style:normal;font-weight:400}[data-skin=umbrella] .lead-form .hint{color:var(--muted);font-weight:400}[data-skin=umbrella] .lead-form .form-to{background:var(--accent-soft);border-radius:var(--radius-sm);color:var(--ink);margin:0;padding:.7rem .9rem;font-weight:600}[data-skin=umbrella] .contact-strip .split-copy .um-cta-person{margin-top:1.8rem}@media (width>=961px){[data-skin=umbrella] .um-cta-copy,[data-skin=umbrella] .contact-strip .split-copy,[data-skin=umbrella] .contact-copy{align-self:start;position:sticky;top:104px}}[data-skin=umbrella] .people-grid{justify-content:center;gap:1.75rem;display:grid}[data-skin=umbrella] .people-grid .leader-card{background:#fff}[data-skin=umbrella] .people-1{grid-template-columns:minmax(0,270px)}[data-skin=umbrella] .people-2{grid-template-columns:repeat(2,minmax(0,270px))}[data-skin=umbrella] .people-3{grid-template-columns:repeat(3,minmax(0,270px))}[data-skin=umbrella] .people-4{grid-template-columns:repeat(4,minmax(0,1fr))}@media (width<=960px){[data-skin=umbrella] .people-4{grid-template-columns:repeat(2,minmax(0,270px))}}@media (width<=640px){[data-skin=umbrella] .people-grid{gap:.9rem}[data-skin=umbrella] .people-3{grid-template-columns:minmax(0,270px)}[data-skin=umbrella] .people-grid .card-body{padding:.9rem}}[data-skin=umbrella] .places-county{margin:0 0 1.2rem;font-size:1.125rem}[data-skin=umbrella] .places-towns{columns:4;column-gap:2.2rem;margin:0;padding:0;list-style:none}[data-skin=umbrella] .places-towns li{border-bottom:1px solid var(--line);break-inside:avoid;padding:.55rem 0}@media (width<=900px){[data-skin=umbrella] .places-towns{columns:3}}@media (width<=600px){[data-skin=umbrella] .places-towns{columns:2}}[data-skin=umbrella] .town-note{margin-top:1.6rem}@media (width>=700px) and (width<=960px){[data-skin=umbrella] .grid-3,[data-skin=umbrella] .um-market-grid{grid-template-columns:repeat(3,1fr);gap:1rem}[data-skin=umbrella] .grid-3 .card-body,[data-skin=umbrella] .um-market-grid .card-body{padding:1rem}}@media (width<=699px){[data-skin=umbrella] .grid-3,[data-skin=umbrella] .um-market-grid{grid-template-columns:1fr}}@media (width<=700px){[data-skin=umbrella] .market-facts{grid-template-columns:repeat(3,1fr);gap:.6rem}[data-skin=umbrella] .market-facts strong{font-size:clamp(1.2rem,5.4vw,1.7rem)}[data-skin=umbrella] .market-facts span{letter-spacing:.03em;font-size:.75rem}}[data-skin=umbrella] .mvv-split .mvv-label{font-family:var(--font-display);font-size:var(--h2);color:var(--ink);margin:0 0 1rem;font-weight:600}[data-skin=umbrella] .mvv-split .mvv-block .display{max-width:34ch;font-size:clamp(1.15rem,1.9vw,1.45rem);font-weight:400;line-height:1.5}[data-skin=umbrella] .align-center .section-head .lead{margin-inline:auto}[data-skin=umbrella] .align-center .section-head:last-child{margin-bottom:0}[data-skin=umbrella] .values-grid-even{grid-template-columns:repeat(3,1fr);gap:0 2.5rem;margin:0;padding:0;list-style:none;display:grid}[data-skin=umbrella] .values-grid-even li{border-top:2px solid var(--ink);padding:1.5rem 0 1.8rem}[data-skin=umbrella] .values-grid-even h3{color:var(--ink);margin:0 0 .6rem;font-size:1.25rem}[data-skin=umbrella] .values-grid-even p{color:var(--muted);margin:0}@media (width<=960px){[data-skin=umbrella] .values-grid-even{grid-template-columns:repeat(2,1fr)}}@media (width<=600px){[data-skin=umbrella] .values-grid-even{grid-template-columns:1fr}}@media (width<=760px){[data-skin=umbrella] .lic-table{min-width:0;display:block}[data-skin=umbrella] .lic-table thead{display:none}[data-skin=umbrella] .lic-table tbody,[data-skin=umbrella] .lic-table tr{display:block}[data-skin=umbrella] .lic-table tr{border-bottom:1px solid var(--line);padding:.6rem 0}[data-skin=umbrella] .lic-table tr:last-child{border-bottom:0}[data-skin=umbrella] .lic-table td{border:0;grid-template-columns:8.5rem 1fr;gap:.8rem;padding:.4rem 1rem;display:grid}[data-skin=umbrella] .lic-table td:before{content:attr(data-label);letter-spacing:.08em;text-transform:uppercase;color:var(--muted);padding-top:.15rem;font-size:.75rem;font-weight:700}}[data-skin=umbrella] .contact-figure{align-items:flex-end;gap:1.1rem;margin:2rem 0 0;display:flex}[data-skin=umbrella] .contact-figure .contact-photo{aspect-ratio:4/5;object-fit:cover;width:190px;max-width:42%;margin:0;display:block}[data-skin=umbrella] .contact-figure figcaption{color:var(--ink);line-height:1.5}[data-skin=umbrella] .footer-brand{border-bottom:1px solid #ffffff24;flex-wrap:wrap;justify-content:space-between;align-items:flex-end;gap:1.5rem 3rem;margin-bottom:2.2rem;padding-bottom:2rem;display:flex}[data-skin=umbrella] .footer-brand img{margin-bottom:.8rem}[data-skin=umbrella] .footer-brand .tagline{margin:0}[data-skin=umbrella] .footer-nap{text-align:right;color:var(--dark-muted);margin:0;font-size:.875rem;line-height:1.8}[data-skin=umbrella] .footer-nap a{color:var(--dark-ink);text-decoration:none}[data-skin=umbrella] .footer-nap a:hover{color:var(--copper-light)}[data-skin=umbrella] .footer-fine{color:#b9c2cf}@media (width<=700px){[data-skin=umbrella] .footer-nap{text-align:left}}[data-skin=umbrella] .cta-band+.site-footer,[data-skin=umbrella] main+.site-footer{border-top:1px solid #ffffff24}[data-skin=umbrella] .market-card .chips .chip-town{border-color:var(--accent);color:var(--ink);font-weight:600;text-decoration:none}[data-skin=umbrella] .market-card .chips .chip-town:after{content:" →";color:var(--accent)}[data-skin=umbrella] .market-card .chips .chip-town:hover{background:var(--accent);color:#fff}[data-skin=umbrella] .btn-secondary,[data-skin=umbrella] .prose .btn-secondary{background:var(--ink);border-color:var(--ink);color:#fff}[data-skin=umbrella] .btn-secondary:hover,[data-skin=umbrella] .prose .btn-secondary:hover{background:var(--sea);border-color:var(--sea);color:#fff;transform:translateY(-1px)}[data-skin=umbrella] .um-hero .btn-secondary,[data-skin=umbrella] .hero .btn-secondary,[data-skin=umbrella] .cta-band .btn-secondary,[data-skin=umbrella] .um-corporate .btn-secondary,[data-skin=umbrella] .tone-dark .btn-secondary{color:#fff;background:0 0;border-color:#fff9}[data-skin=umbrella] .um-hero .btn-secondary:hover,[data-skin=umbrella] .hero .btn-secondary:hover,[data-skin=umbrella] .cta-band .btn-secondary:hover,[data-skin=umbrella] .um-corporate .btn-secondary:hover,[data-skin=umbrella] .tone-dark .btn-secondary:hover{color:var(--ink);background:#fff;border-color:#fff}[data-skin=umbrella] span.chip,[data-skin=umbrella] .market-card .chips span.chip{color:var(--muted);background:0 0;border:0;border-radius:0;padding:.3rem 0}[data-skin=umbrella] .chips{align-items:center;gap:.4rem .9rem}[data-skin=umbrella] .lead-form .req{color:var(--accent);font-weight:700}[data-skin=umbrella] .lead-form .form-key{color:var(--muted);margin:0;font-size:.875rem}@media (width<=820px){[data-skin=umbrella] .footer-grid a,[data-skin=umbrella] .footer-links a,[data-skin=umbrella] .footer-nap a{padding:.55rem 0;display:inline-block}[data-skin=umbrella] .footer-grid li{margin-bottom:0}[data-skin=umbrella] .link-arrow{padding:.5rem 0 .35rem;display:inline-block}[data-skin=umbrella] a.chip{padding:.55rem .8rem}[data-skin=umbrella] .card-body h3 a{padding:.35rem 0;display:inline-block}}[data-skin=umbrella] .um-market-item{display:flex}[data-skin=umbrella] .um-market-item>.card{flex:1}[data-skin=umbrella] a.chip,[data-skin=umbrella] .market-card .chips a.chip,[data-skin=umbrella] .market-card .chips .chip-town{border:0;border-bottom:1.5px solid var(--accent);color:var(--ink);background:0 0;border-radius:0;padding:.3rem 0 .15rem;font-weight:600;text-decoration:none}[data-skin=umbrella] a.chip:after{content:" →";color:var(--accent)}[data-skin=umbrella] a.chip:hover,[data-skin=umbrella] .market-card .chips .chip-town:hover{color:var(--accent);background:0 0}[data-skin=umbrella] .market-card .chips .chip-town:hover:after{color:var(--accent)}@media (width<=820px){[data-skin=umbrella] a.chip{padding:.55rem 0 .35rem}}[data-skin=umbrella] .um-hero-local{color:#fff;text-shadow:0 1px 14px #00132b99;font-weight:500}[data-skin=umbrella] .hero .lead{max-width:40ch}[data-skin=umbrella] .um-corporate-grid,[data-skin=umbrella] .footer-brand{background:linear-gradient(#ffffff24,#ffffff24) bottom center/calc(100% - 2*var(--gutter)) 1px no-repeat;border-bottom:0}[data-skin=umbrella] .footer-legal{background:linear-gradient(#ffffff24,#ffffff24) top center/calc(100% - 2*var(--gutter)) 1px no-repeat;border-top:0}[data-skin=umbrella] .byline-role{color:var(--muted);font-weight:400}[data-skin=umbrella] a.chip{margin:0 1.2rem .5rem 0;font-size:.875rem;display:inline-block}[data-skin=umbrella] .chips a.chip{margin:0}[data-skin=umbrella] .role,[data-skin=umbrella] .person-role{color:var(--muted);font-weight:600}[data-skin=umbrella] .market-card .market-towns{color:var(--muted);margin:0 0 .5rem;font-size:.875rem;line-height:1.5}[data-skin=umbrella] .sticky-cta{display:none}@media (width<=760px){[data-skin=umbrella] .sticky-cta{z-index:55;padding:.6rem var(--gutter) calc(.6rem + env(safe-area-inset-bottom));border-top:1px solid var(--line);visibility:hidden;background:#fff;transition:transform .22s,visibility 0s .22s;display:block;position:fixed;bottom:0;left:0;right:0;transform:translateY(110%);box-shadow:0 -6px 20px #00132b1a}[data-skin=umbrella] .sticky-cta.is-on{visibility:visible;transition:transform .22s;transform:none}[data-skin=umbrella] .sticky-cta .btn{min-height:48px;box-shadow:none}[data-skin=umbrella] body.nav-open .sticky-cta{display:none}}@media print{[data-skin=umbrella] .sticky-cta{display:none}}[data-skin=umbrella] .mobile-nav a.btn{border-color:var(--accent);justify-content:center;min-height:48px;padding:.8rem 1.3rem;display:flex}[data-skin=umbrella] .um-chooser{background:var(--bg-tint)}[data-skin=umbrella] .um-team{background:#fff}[data-skin=umbrella] .prose a:not(.btn):not(.link-arrow):not(.chip),[data-skin=umbrella] .article-body a:not(.btn):not(.link-arrow):not(.chip){color:var(--ink);text-decoration:underline;text-decoration-color:var(--accent);text-underline-offset:3px;text-decoration-thickness:1.5px}[data-skin=umbrella] .prose a:not(.btn):not(.link-arrow):not(.chip):hover,[data-skin=umbrella] .article-body a:not(.btn):not(.link-arrow):not(.chip):hover{color:var(--accent);text-decoration-color:var(--accent)}[data-skin=umbrella] .um-badge{border-radius:4px}[data-skin=umbrella] .um-badge-home{background:var(--ink);color:#fff}[data-skin=umbrella] main dd a{font-weight:600}