:root{--shadow:0 4px 24px rgba(13,31,60,.09);--shadowL:0 16px 56px rgba(13,31,60,.14)}.nav-links>li.open>a,.nav-links>li>a:hover{background:var(--cream);color:var(--navy)}.nbtn-o{background:var(--white);border-color:var(--border-v2);color:var(--navy)}.nbtn-o:hover{background:var(--cream)}.nbtn-f,.nbtn-o:hover{border-color:var(--navy)}.nbtn-f{background:var(--navy);color:var(--white)}.nbtn-f:hover{background:var(--navy2);transform:translateY(-1px)}.hero{display:flex;flex-direction:row;min-height:100vh;padding-top:72px}.hero-panel{cursor:pointer;display:flex;flex:1;flex-direction:column;justify-content:flex-end;min-height:calc(100vh - 72px);overflow:hidden;padding:64px 6% 80px;position:relative;transition:flex .55s var(--ease)}.hero-panel:hover{flex:1.07}.hp-m{background:var(--cream)}.hp-m:before{background:radial-gradient(circle,rgba(201,151,42,.1) 0,transparent 70%);border-radius:50%;content:"";height:380px;pointer-events:none;position:absolute;right:-60px;top:-100px;width:380px}.hp-c{background:var(--navy)}.hp-c:before{background:radial-gradient(circle,rgba(201,151,42,.1) 0,transparent 70%);border-radius:50%;bottom:-80px;content:"";height:340px;left:-50px;pointer-events:none;position:absolute;width:340px}.hp-divider{background:var(--border-v2);flex-shrink:0;width:1px}.bg-ltr{font-family:var(--fs);font-size:180px;font-weight:400;letter-spacing:-6px;line-height:1;opacity:.05;pointer-events:none;position:absolute;right:4%;top:5%;-webkit-user-select:none;-moz-user-select:none;user-select:none}.hp-m .bg-ltr{color:var(--navy)}.hp-c .bg-ltr{color:var(--white)}.hp-eye{align-items:center;display:flex;font-size:10px;font-weight:700;gap:8px;letter-spacing:.18em;margin-bottom:26px;position:relative;text-transform:uppercase;z-index:1}.hp-m .hp-eye{color:var(--muted)}.hp-c .hp-eye{color:hsla(0,0%,100%,.35)}.hp-dot{border-radius:50%;flex-shrink:0;height:7px;width:7px}.hp-m .hp-dot{background:var(--gold)}.hp-c .hp-dot{background:rgba(201,151,42,.7)}.hp-title{font-family:var(--fs);font-size:clamp(34px,4.2vw,58px);font-weight:400;letter-spacing:-.4px;line-height:1.07;margin-bottom:18px;position:relative;z-index:1}.hp-m .hp-title{color:var(--navy)}.hp-c .hp-title{color:var(--white)}.hp-title em{font-style:italic}.hp-m .hp-title em{color:var(--gold)}.hp-c .hp-title em{color:hsla(0,0%,100%,.55)}.hp-desc{font-size:14px;font-weight:300;line-height:1.78;margin-bottom:32px;max-width:380px;position:relative;z-index:1}.hp-m .hp-desc{color:var(--mid)}.hp-c .hp-desc{color:hsla(0,0%,100%,.5)}.hp-tags{display:flex;flex-wrap:wrap;gap:6px;margin-bottom:36px;position:relative;z-index:1}.hp-tag{border-radius:100px;font-size:11px;font-weight:500;padding:5px 12px}.hp-m .hp-tag{background:var(--white);border:1px solid var(--border-v2);color:var(--mid)}.hp-c .hp-tag{background:hsla(0,0%,100%,.08);border:1px solid hsla(0,0%,100%,.12);color:hsla(0,0%,100%,.5)}.hp-cta{align-items:center;border:none;border-radius:12px;cursor:pointer;display:inline-flex;font-family:var(--fb);font-size:14px;font-weight:600;gap:10px;padding:14px 24px;position:relative;text-decoration:none;transition:all .22s var(--ease);width:-moz-fit-content;width:fit-content;z-index:1}.hp-m .hp-cta{background:var(--navy);color:var(--white)}.hp-m .hp-cta:hover{background:var(--navy2);box-shadow:0 8px 28px rgba(13,31,60,.22);transform:translateY(-2px)}.hp-c .hp-cta{background:var(--gold);color:var(--navy)}.hp-c .hp-cta:hover{background:var(--gold2);box-shadow:0 8px 28px rgba(201,151,42,.3);transform:translateY(-2px)}.hp-cta svg{transition:transform .2s}.hp-cta:hover svg{transform:translateX(4px)}.section{padding:88px 5%}.sec-tag{margin-bottom:16px}h2.serif{font-size:clamp(28px,3.6vw,46px)}.sec-intro{max-width:500px}.quiz-section{background:var(--cream);padding:88px 5%}.quiz-wrap{margin:0 auto;max-width:700px}.quiz-card{background:var(--white);border:1.5px solid var(--border-v2);border-radius:var(--rl);box-shadow:var(--shadow);overflow:hidden}.quiz-progress{background:var(--cream2);height:4px}.quiz-progress-bar{background:var(--gold);height:100%;transition:width .4s var(--ease)}.quiz-inner{padding:44px 44px 36px}.quiz-step{display:none}.quiz-step.active{display:block}.quiz-step-label{color:var(--muted);font-size:10px;font-weight:700;letter-spacing:.15em;margin-bottom:10px;text-transform:uppercase}.quiz-q{color:var(--navy);font-family:var(--fs);font-size:26px;font-weight:400;line-height:1.2;margin-bottom:8px}.quiz-sub{color:var(--muted);font-size:13px;font-weight:300;line-height:1.6;margin-bottom:28px}.quiz-options{display:grid;gap:10px;grid-template-columns:1fr 1fr;margin-bottom:28px}.quiz-options.three{grid-template-columns:1fr 1fr 1fr}.quiz-options.four{grid-template-columns:1fr 1fr}.qopt{align-items:center;background:var(--white);border:1.5px solid var(--border-v2);border-radius:10px;cursor:pointer;display:flex;font-family:var(--fb);gap:10px;padding:14px 16px;text-align:left;transition:all .18s var(--ease)}.qopt:hover{background:var(--cream);border-color:var(--navy)}.qopt.selected{background:var(--navy);border-color:var(--navy);color:var(--white)}.qopt.selected .qopt-icon{background:hsla(0,0%,100%,.15);color:var(--white)}.qopt.selected .qopt-sub{color:hsla(0,0%,100%,.6)}.qopt-icon{align-items:center;background:var(--cream);border-radius:8px;display:flex;flex-shrink:0;font-size:16px;height:34px;justify-content:center;transition:all .18s;width:34px}.qopt-label{color:var(--navy);font-size:14px;font-weight:500;line-height:1.2}.qopt.selected .qopt-label{color:var(--white)}.qopt-sub{color:var(--muted);font-size:11px;margin-top:2px}.quiz-nav{border-top:1px solid var(--cream2);justify-content:space-between;padding:20px 44px 32px}.q-back,.quiz-nav{align-items:center;display:flex}.q-back{background:none;border:none;color:var(--muted);cursor:pointer;font-size:13px;font-weight:500;gap:6px;padding:8px 0;transition:color .18s}.q-back:hover{color:var(--navy)}.q-back:disabled{opacity:0;pointer-events:none}.q-next{align-items:center;background:var(--navy);border:none;border-radius:10px;color:var(--white);cursor:pointer;display:flex;font-family:var(--fb);font-size:14px;font-weight:600;gap:8px;padding:12px 26px;transition:all .2s}.q-next:hover{background:var(--navy2);transform:translateY(-1px)}.q-next:disabled{opacity:.4;pointer-events:none}.quiz-lead{padding:36px 44px}.quiz-lead .form-row{display:grid;gap:12px;grid-template-columns:1fr 1fr;margin-bottom:12px}.quiz-lead .ff{display:flex;flex-direction:column;gap:5px}.quiz-lead .ff.full{grid-column:1/-1}.fi{background:var(--cream);border:1.5px solid var(--border-v2);border-radius:9px;color:var(--text);font-family:var(--fb);font-size:13px;outline:none;padding:11px 13px;transition:all .18s}.fi:focus{background:var(--white);border-color:var(--navy)}.quiz-result{display:none;padding:44px;text-align:center}.qr-badge{align-items:center;background:var(--cream);border:1.5px solid var(--border-v2);border-radius:100px;color:var(--navy);display:inline-flex;font-size:11px;font-weight:700;gap:8px;letter-spacing:.1em;margin-bottom:20px;padding:8px 18px;text-transform:uppercase}.qr-title{color:var(--navy);font-family:var(--fs);font-size:32px;font-weight:400;line-height:1.15;margin-bottom:12px}.qr-desc{color:var(--muted);font-size:14px;font-weight:300;line-height:1.75;margin:0 auto 28px;max-width:480px}.qr-rate{align-items:center;background:var(--cream);border:1.5px solid var(--border-v2);border-radius:12px;display:inline-flex;gap:16px;margin-bottom:28px;padding:18px 24px}.qr-rate-label{color:var(--muted);font-size:11px;font-weight:600;letter-spacing:.1em;text-transform:uppercase}.qr-rate-num{color:var(--navy);font-family:var(--fs);font-size:28px;font-weight:400}.qr-actions{display:flex;flex-wrap:wrap;gap:10px;justify-content:center}.qr-btn{align-items:center;border:none;border-radius:10px;cursor:pointer;display:inline-flex;font-family:var(--fb);font-size:14px;font-weight:600;gap:8px;padding:13px 24px;text-decoration:none;transition:all .2s}.qr-btn-navy{background:var(--navy);color:var(--white)}.qr-btn-navy:hover{background:var(--navy2)}.qr-btn-outline{background:var(--white);border:1.5px solid var(--border-v2);color:var(--navy)}.qr-btn-outline:hover{border-color:var(--navy)}.mortgage-section{background:var(--white)}.tier-grid{display:grid;gap:20px;grid-template-columns:repeat(3,1fr);margin-top:52px}.tier-card{background:var(--white);border:1.5px solid var(--border-v2);border-radius:var(--rl);cursor:pointer;overflow:hidden;padding:34px 26px;position:relative;transition:all .28s var(--ease)}.tier-card:hover{border-color:var(--navy);box-shadow:var(--shadowL);transform:translateY(-5px)}.tier-bg-l{color:var(--cream2);font-family:var(--fs);font-size:100px;font-weight:400;line-height:1;pointer-events:none;position:absolute;right:-8px;top:-8px;transition:color .3s}.tier-card:hover .tier-bg-l{color:var(--cream3)}.tier-badge{align-items:center;background:var(--cream);border-radius:6px;color:var(--muted);display:inline-flex;font-size:10px;font-weight:700;letter-spacing:.1em;margin-bottom:18px;padding:4px 10px;text-transform:uppercase}.tier-name{color:var(--navy);font-family:var(--fs);font-size:22px;margin-bottom:9px}.tier-rate{align-items:center;background:var(--cream2);border-radius:7px;display:inline-flex;gap:6px;margin-bottom:14px;padding:5px 12px}.tier-rate-num{color:var(--navy);font-family:var(--fs);font-size:16px;font-weight:400}.tier-rate-label{color:var(--muted);font-size:10px;font-weight:500}.tier-desc{color:var(--muted);font-size:13px;font-weight:300;line-height:1.72;margin-bottom:22px}.tier-list{list-style:none;margin-bottom:24px}.tier-list li{align-items:center;border-bottom:1px solid var(--cream2);color:var(--mid);display:flex;font-size:12px;gap:9px;padding:8px 0}.tier-list li:last-child{border:none}.tier-link{align-items:center;color:var(--navy);display:flex;font-size:12px;font-weight:700;gap:6px;letter-spacing:.06em;text-decoration:none;text-transform:uppercase}.tier-link svg{transition:transform .2s}.tier-card:hover .tier-link svg{transform:translateX(4px)}.lead-block{border:1.5px solid var(--border-v2);border-radius:24px;display:grid;grid-template-columns:1fr 1.3fr;margin-top:68px;overflow:hidden}.lb-left{background:var(--navy);display:flex;flex-direction:column;justify-content:space-between;overflow:hidden;padding:48px 40px;position:relative}.lb-left:after{background:rgba(201,151,42,.1);border-radius:50%;bottom:-50px;content:"";height:200px;pointer-events:none;position:absolute;right:-50px;width:200px}.lb-left h3{color:var(--white);font-family:var(--fs);font-size:28px;font-weight:400;line-height:1.2;margin-bottom:10px}.lb-left p{color:hsla(0,0%,100%,.45);font-size:13px;font-weight:300;line-height:1.78}.lb-stats{display:flex;gap:20px;margin-top:32px}.lbs-num{color:var(--white);display:block;font-family:var(--fs);font-size:24px}.lbs-lbl{color:hsla(0,0%,100%,.28);font-size:10px;font-weight:600;letter-spacing:.1em;text-transform:uppercase}.lb-right{background:var(--white);padding:40px 36px}.form-title{font-size:19px;margin-bottom:20px}.fsel{background:var(--cream);border:1.5px solid var(--border-v2);border-radius:9px;font-family:var(--fb);font-size:13px;outline:none;padding:11px 13px;transition:all .18s}.fsel:focus{background:var(--white);border-color:var(--navy)}.fsel option{color:var(--text)}.fsub-m{margin-top:4px}.ty{align-items:center;display:none;flex-direction:column;justify-content:center;min-height:260px;padding:40px;text-align:center}.ty h4{color:var(--navy);font-family:var(--fs);font-size:26px;margin-bottom:8px}.ty p{color:var(--muted);font-size:13px;font-weight:300;line-height:1.7}.capital-section{background:var(--navy);padding:88px 5%}.capital-section .sec-tag{color:var(--gold)}.capital-section .sec-tag:before{background:var(--gold)}.capital-section h2.serif{color:var(--white)}.capital-section h2.serif em{color:hsla(0,0%,100%,.45)}.capital-section .sec-intro{color:hsla(0,0%,100%,.4)}.invest-grid{background:hsla(0,0%,100%,.07);border:1px solid hsla(0,0%,100%,.07);border-radius:var(--rl);display:grid;gap:1px;grid-template-columns:repeat(2,1fr);margin-top:52px;overflow:hidden}.ic{background:var(--navy);cursor:pointer;padding:38px 34px;transition:background .25s var(--ease)}.ic:hover{background:#132040}.ic-num{color:hsla(0,0%,100%,.2);font-size:10px;font-weight:700;letter-spacing:.18em;margin-bottom:22px;text-transform:uppercase}.ic h4{color:var(--white);font-family:var(--fs);font-size:21px;margin-bottom:10px}.ic p{color:hsla(0,0%,100%,.42);font-size:13px;font-weight:300;line-height:1.75;margin-bottom:20px}.ic-chips{display:flex;flex-wrap:wrap;gap:5px;margin-bottom:24px}.ic-chip{background:hsla(0,0%,100%,.06);border:1px solid hsla(0,0%,100%,.08);border-radius:7px;color:hsla(0,0%,100%,.35);font-size:10px;font-weight:600;letter-spacing:.06em;padding:4px 10px}.ic-chip,.ic-link{text-transform:uppercase}.ic-link{align-items:center;color:hsla(0,0%,100%,.4);display:flex;font-size:11px;font-weight:700;gap:6px;letter-spacing:.08em;text-decoration:none;transition:color .2s}.ic:hover .ic-link{color:var(--gold)}.ic-link svg{transition:transform .2s}.ic:hover .ic-link svg{transform:translateX(4px)}.cap-lead{border:1px solid hsla(0,0%,100%,.1);border-radius:24px;display:grid;grid-template-columns:1fr 1.3fr;margin-top:68px;overflow:hidden}.cl-left{background:var(--white);display:flex;flex-direction:column;justify-content:space-between;padding:48px 40px}.cl-left h3{color:var(--navy);font-family:var(--fs);font-size:28px;line-height:1.2;margin-bottom:10px}.cl-left p{color:var(--muted);font-size:13px;font-weight:300;line-height:1.78}.cl-stats{display:flex;gap:20px;margin-top:32px}.cs-num{color:var(--navy);display:block;font-family:var(--fs);font-size:24px}.cs-lbl{color:var(--muted);font-size:10px;font-weight:600;letter-spacing:.1em;text-transform:uppercase}.cl-right{background:#0c1a33;padding:40px 36px}.cl-right .form-title{color:var(--white)}.cl-right .fl{color:hsla(0,0%,100%,.28)}.cl-right .fi,.cl-right .fsel{background:hsla(0,0%,100%,.06);border-color:hsla(0,0%,100%,.1);color:var(--white)}.cl-right .fi:focus,.cl-right .fsel:focus{background:hsla(0,0%,100%,.08);border-color:hsla(0,0%,100%,.35)}.cl-right .fi::-moz-placeholder{color:hsla(0,0%,100%,.2)}.cl-right .fi::placeholder{color:hsla(0,0%,100%,.2)}.cl-right .fsel{color:hsla(0,0%,100%,.5)}.cl-right .fsel option{background:#0c1a33;color:var(--white)}.cl-sub{align-items:center;background:var(--gold);border:none;border-radius:10px;color:var(--navy);cursor:pointer;display:flex;font-family:var(--fb);font-size:14px;font-weight:600;gap:8px;justify-content:center;margin-top:4px;padding:14px;transition:all .2s;width:100%}.cl-sub:hover{background:var(--gold2);transform:translateY(-1px)}.cl-right .fdis{color:hsla(0,0%,100%,.2)}.reviews-section{background:var(--cream);padding:88px 5%}.reviews-head{margin-bottom:52px}.rev-more{align-items:center;background:none;border:none;color:var(--gold);cursor:pointer;display:inline-flex;font-size:11px;font-weight:600;gap:4px;margin-top:8px;text-decoration:none}.rev-extra{color:var(--mid);display:none;font-size:13px;font-weight:300;line-height:1.7;margin-top:6px}.rev-extra.open{display:block}.rev-badge{letter-spacing:.06em}.btn-g{align-items:center;background:var(--white);border:1.5px solid var(--border-v2);border-radius:9px;box-shadow:var(--shadow);color:var(--navy);display:inline-flex;font-size:13px;font-weight:600;gap:8px;padding:11px 22px;text-decoration:none;transition:all .2s}.btn-g:hover{border-color:var(--navy);transform:translateY(-1px)}.yt-section{background:var(--white);padding:88px 5%}.yt-grid{align-items:center;display:grid;gap:60px;grid-template-columns:1.1fr 1fr;margin-top:52px}.yt-embed{aspect-ratio:16/9;border:1.5px solid var(--border-v2);border-radius:var(--rl);box-shadow:var(--shadowL);overflow:hidden;position:relative}.yt-embed iframe{border:none;display:block;height:100%;width:100%}.yt-right h3{color:var(--navy);font-family:var(--fs);font-size:26px;margin-bottom:12px}.yt-right p{color:var(--muted);font-size:14px;font-weight:300;line-height:1.78;margin-bottom:24px}.yt-stats{display:grid;gap:14px;grid-template-columns:1fr 1fr;margin-bottom:28px}.yt-stat{background:var(--cream);border:1px solid var(--border-v2);border-radius:var(--r);padding:14px}.yt-stat-num{color:var(--navy);display:block;font-family:var(--fs);font-size:20px}.yt-stat-lbl{color:var(--muted);font-size:11px;font-weight:500}.yt-btns{align-items:center;display:flex;flex-wrap:wrap;gap:10px}.btn-navy{border-radius:10px;padding:12px 22px}.btn-yt{gap:7px;padding:11px 18px}.social-section{background:var(--cream);padding:88px 5%}.social-grid{margin-top:52px}.sc-card{background:var(--white);cursor:pointer}.sc-icon{border-radius:15px;font-size:26px;height:58px;margin:0 auto 18px;width:58px}.sc-ig .sc-icon{background:linear-gradient(135deg,#f09433,#e6683c 25%,#dc2743 50%,#cc2366 75%,#bc1888)}.sc-card h4{color:var(--navy);font-family:var(--fs);font-size:19px;margin-bottom:6px}.sc-card p,.sc-handle{font-size:13px}.sc-card p{color:var(--muted);font-weight:300;line-height:1.65;margin-bottom:18px}.sc-follow{align-items:center;border:1.5px solid var(--border-v2);border-radius:8px;color:var(--navy);display:inline-flex;font-size:12px;font-weight:700;gap:6px;letter-spacing:.06em;padding:8px 16px;text-transform:uppercase;transition:all .2s}.sc-card:hover .sc-follow{background:var(--navy);border-color:var(--navy);color:var(--white)}.why-section{background:var(--white);padding:88px 5%}.why-grid{gap:22px;grid-template-columns:repeat(4,1fr);margin-top:52px}.why-card{border-top:2.5px solid var(--navy);padding-top:26px;transition:border-color .25s}.why-card:hover{border-color:var(--gold)}.why-num{color:var(--cream3);font-family:var(--fs);font-size:36px;line-height:1;margin-bottom:14px}.why-card h4{color:var(--navy)}.why-card p{color:var(--muted)}.stats-band{background:var(--navy);display:grid;grid-template-columns:repeat(4,1fr);padding:68px 5%}.stat-item{border-right:1px solid hsla(0,0%,100%,.1);padding:0 20px}.stat-item:last-child{border:none}.stat-num{color:var(--white);font-size:42px}.stat-lbl{color:hsla(0,0%,100%,.4);font-size:11px;letter-spacing:.02em;margin-top:4px}.cta-band{background:var(--cream);padding:80px 5%;text-align:center}.cta-band h2.serif{margin:0 auto;max-width:580px}.cta-band p{color:var(--muted);font-size:15px;font-weight:300;line-height:1.75;margin:14px auto 36px;max-width:460px}.cta-group{align-items:center;display:flex;flex-wrap:wrap;gap:12px;justify-content:center}.btn-gold{gap:7px}.btn-outline-nav{align-items:center;color:var(--muted);display:inline-flex;font-size:14px;font-weight:500;gap:6px;padding:13px 18px;text-decoration:none}.btn-outline-nav:hover{color:var(--navy)}footer{padding:68px 5% 32px}.fl-desc{margin-bottom:22px}.fl-contacts a,.fl-desc{font-size:13px}.fl-socials{display:flex;gap:8px;margin-top:18px}.fsoc{align-items:center;border:1px solid hsla(0,0%,100%,.1);border-radius:7px;display:flex;font-size:14px;height:32px;justify-content:center;text-decoration:none;transition:all .2s;width:32px}.fsoc:hover{background:hsla(0,0%,100%,.1)}.fc a{font-size:13px}.fc .fcsep{background:hsla(0,0%,100%,.07);height:1px;margin:16px 0}.fsra{border:1px solid hsla(0,0%,100%,.1);border-radius:6px;color:hsla(0,0%,100%,.2);font-size:10px;font-weight:600;letter-spacing:.1em;padding:5px 11px;text-transform:uppercase}.sponsors-band{background:var(--navy);padding:56px 5%}.sponsors-inner{align-items:center;display:grid;gap:64px;grid-template-columns:auto 1fr;margin:0 auto;max-width:1100px}.sponsors-eyebrow{align-items:center;color:var(--gold);display:flex;font-size:10px;font-weight:700;gap:8px;letter-spacing:.2em;margin-bottom:10px;text-transform:uppercase}.sponsors-eyebrow:before{background:var(--gold);content:"";height:1.5px;width:18px}.sponsors-heading{color:var(--white);font-family:var(--fs);font-size:28px;font-weight:400;letter-spacing:-.2px;line-height:1.15}.sponsors-heading em{color:hsla(0,0%,100%,.5);font-style:italic}.sponsors-cards{background:hsla(0,0%,100%,.07);border:1px solid hsla(0,0%,100%,.07);border-radius:16px;display:grid;gap:1px;grid-template-columns:repeat(3,1fr);overflow:hidden}.sp-card{background:hsla(0,0%,100%,.03);gap:10px;padding:28px 30px}.sp-card:hover{background:hsla(0,0%,100%,.07)}.sp-card-name{color:var(--white);font-family:var(--fs);font-size:20px;font-weight:400;letter-spacing:-.2px;line-height:1.2}.sp-card-desc{color:hsla(0,0%,100%,.4);flex:1;font-size:12px;font-weight:300;line-height:1.6}.sp-card-tag{align-items:center;border:1px solid hsla(0,0%,100%,.1);border-radius:6px;color:hsla(0,0%,100%,.3);display:inline-flex;font-size:10px;font-weight:600;gap:5px;letter-spacing:.1em;margin-top:4px;padding:4px 10px;text-transform:uppercase;transition:color .2s,border-color .2s;width:-moz-fit-content;width:fit-content}.sp-card:hover .sp-card-tag{border-color:rgba(201,151,42,.3);color:var(--gold)}@media(max-width:960px){.sponsors-inner{gap:36px}.sponsors-cards,.sponsors-inner{grid-template-columns:1fr}}@media(max-width:640px){.sponsors-cards{grid-template-columns:1fr}}.anim{animation:fadeUp .6s var(--ease) both}.d1{animation-delay:.06s}.d2{animation-delay:.13s}.d3{animation-delay:.2s}.d4{animation-delay:.27s}@media(max-width:1080px){.hero{flex-direction:column}.hero-panel{min-height:55vh}.hp-divider{display:none}.cap-lead,.invest-grid,.lead-block,.tier-grid,.yt-grid{grid-template-columns:1fr}.yt-right{order:-1}.reviews-grid,.stats-band,.why-grid{grid-template-columns:1fr 1fr}.stat-item:nth-child(2){border:none}.stat-item:nth-child(3){border-right:1px solid hsla(0,0%,100%,.1)}.footer-top,.quiz-options,.social-grid{grid-template-columns:1fr 1fr}}@media(max-width:768px){.nav-links,.nbtn-o{display:none}.hero-panel{padding:48px 5% 60px}.capital-section,.quiz-section,.reviews-section,.section,.social-section,.why-section,.yt-section{padding:68px 5%}.reviews-grid,.why-grid{grid-template-columns:1fr}.stats-band{grid-template-columns:1fr 1fr;padding:52px 5%}.footer-top{gap:32px}.footer-top,.social-grid{grid-template-columns:1fr}.cl-left,.cl-right,.lb-left,.lb-right{padding:32px 24px}.quiz-inner{padding:32px 28px}.quiz-nav{padding:18px 28px 26px}.quiz-lead{padding:28px}.quiz-options,.quiz-options.four,.quiz-options.three{grid-template-columns:1fr}}.nav-drop a{font-weight:400}.page-hero{padding:112px 5% 80px}.page-hero-inner{align-items:center;display:grid;gap:64px;grid-template-columns:1fr 420px;margin:0 auto;max-width:1100px}.ph-desc{max-width:480px}.btn-navy{align-items:center;background:var(--navy);border:none;border-radius:11px;color:var(--white);cursor:pointer;display:inline-flex;font-family:var(--fb);font-size:14px;font-weight:600;gap:8px;padding:13px 24px;text-decoration:none;transition:all .2s}.btn-navy:hover{background:var(--navy2);transform:translateY(-1px)}.btn-outline{align-items:center;background:var(--white);border:1.5px solid var(--border-v2);border-radius:11px;color:var(--navy);display:inline-flex;font-size:14px;font-weight:600;gap:7px;padding:13px 22px;text-decoration:none;transition:all .2s}.btn-outline:hover{border-color:var(--navy);transform:translateY(-1px)}.ph-stats{background:var(--white);border:1.5px solid var(--border-v2);border-radius:var(--rl);box-shadow:var(--shadow);padding:32px}.ph-stat-row{align-items:center;border-bottom:1px solid var(--cream2);display:flex;gap:16px;padding:14px 0}.ph-stat-row:last-child{border:none;padding-bottom:0}.ph-stat-row:first-child{padding-top:0}.ph-stat-icon{align-items:center;background:var(--cream);border-radius:10px;display:flex;flex-shrink:0;font-size:18px;height:40px;justify-content:center;width:40px}.ph-stat-num{color:var(--navy);font-family:var(--fs);font-size:22px;line-height:1}.ph-stat-label{color:var(--muted);font-size:11px;font-weight:400}h2.serif{font-size:clamp(26px,3.4vw,42px);line-height:1.12}.lender-types-section{background:var(--white)}.lender-grid{display:grid;gap:24px;grid-template-columns:repeat(3,1fr);margin-top:52px}.lender-card{border:1.5px solid var(--border-v2);border-radius:24px;display:flex;flex-direction:column;overflow:hidden;transition:all .28s var(--ease)}.lender-card:hover{box-shadow:var(--shadowL);transform:translateY(-5px)}.lc-header{overflow:hidden;padding:36px 32px 28px;position:relative}.lc-header-a{background:var(--cream)}.lc-header-b{background:var(--navy)}.lc-header-p{background:var(--navy2)}.lc-bg-letter{font-family:var(--fs);font-size:120px;font-weight:400;line-height:1;opacity:.08;pointer-events:none;position:absolute;right:-12px;top:-16px}.lc-header-a .lc-bg-letter{color:var(--navy)}.lc-header-b .lc-bg-letter,.lc-header-p .lc-bg-letter{color:var(--white)}.lc-tier-badge{align-items:center;border-radius:6px;display:inline-flex;font-size:10px;font-weight:700;letter-spacing:.1em;margin-bottom:16px;padding:4px 11px;text-transform:uppercase}.lc-header-a .lc-tier-badge{background:var(--white);color:var(--muted)}.lc-header-b .lc-tier-badge,.lc-header-p .lc-tier-badge{background:hsla(0,0%,100%,.12);color:hsla(0,0%,100%,.6)}.lc-letter{font-family:var(--fs);font-size:48px;font-weight:400;line-height:1;margin-bottom:8px;position:relative;z-index:1}.lc-header-a .lc-letter{color:var(--navy)}.lc-header-b .lc-letter,.lc-header-p .lc-letter{color:var(--white)}.lc-name{font-family:var(--fs);font-size:22px;font-weight:400;position:relative;z-index:1}.lc-header-a .lc-name{color:var(--navy)}.lc-header-b .lc-name,.lc-header-p .lc-name{color:var(--white)}.lc-rate{align-items:center;border-radius:8px;display:inline-flex;gap:6px;margin-top:12px;padding:6px 13px;position:relative;z-index:1}.lc-header-a .lc-rate{background:var(--white)}.lc-header-b .lc-rate,.lc-header-p .lc-rate{background:hsla(0,0%,100%,.1)}.lc-rate-num{color:var(--navy);font-family:var(--fs);font-size:17px}.lc-header-b .lc-rate-num,.lc-header-p .lc-rate-num{color:var(--white)}.lc-rate-label{color:var(--muted);font-size:10px;font-weight:500}.lc-header-b .lc-rate-label,.lc-header-p .lc-rate-label{color:hsla(0,0%,100%,.5)}.lc-body{display:flex;flex:1;flex-direction:column;padding:28px 32px}.lc-desc{color:var(--muted);font-size:13px;font-weight:300;line-height:1.72;margin-bottom:22px}.lc-list{flex:1;list-style:none;margin-bottom:24px}.lc-list li{align-items:flex-start;border-bottom:1px solid var(--cream2);color:var(--mid);display:flex;font-size:12px;gap:9px;padding:8px 0}.lc-list li:last-child{border:none}.lc-cta{align-items:center;border-top:1px solid var(--cream2);display:flex;justify-content:space-between;padding-top:16px}.lc-who{color:var(--muted);font-size:11px;font-weight:400;line-height:1.4;max-width:160px}.lc-apply{align-items:center;color:var(--navy);display:inline-flex;font-size:12px;font-weight:700;gap:6px;letter-spacing:.06em;text-decoration:none;text-transform:uppercase;transition:gap .2s}.lender-card:hover .lc-apply{gap:10px}.situations-section{background:var(--cream)}.sit-grid{display:grid;gap:20px;grid-template-columns:repeat(3,1fr);margin-top:52px}.sit-card{background:var(--white);border:1.5px solid var(--border-v2);border-radius:var(--rl);color:inherit;cursor:pointer;display:block;padding:32px 26px;text-decoration:none;transition:all .25s var(--ease)}.sit-card:hover{border-color:rgba(13,31,60,.15);box-shadow:var(--shadowL);transform:translateY(-4px)}.sit-icon{align-items:center;background:var(--cream);border-radius:14px;display:flex;font-size:24px;height:52px;justify-content:center;margin-bottom:18px;transition:background .2s;width:52px}.sit-card:hover .sit-icon{background:var(--cream2)}.sit-name{color:var(--navy);font-family:var(--fs);font-size:20px;letter-spacing:-.2px;margin-bottom:9px}.sit-desc{color:var(--muted);font-size:13px;font-weight:300;line-height:1.7;margin-bottom:18px}.sit-tags{display:flex;flex-wrap:wrap;gap:5px;margin-bottom:18px}.sit-tag{background:var(--cream);border-radius:6px;color:var(--mid);font-size:10px;font-weight:600;padding:4px 10px}.sit-link,.sit-tag{letter-spacing:.06em}.sit-link{align-items:center;color:var(--navy);display:flex;font-size:12px;font-weight:700;gap:6px;text-transform:uppercase}.sit-link svg{transition:transform .2s}.sit-card:hover .sit-link svg{transform:translateX(4px)}.process-section{background:var(--white)}.process-steps{display:grid;gap:0;grid-template-columns:repeat(5,1fr);margin-top:52px;position:relative}.process-steps:before{background:var(--cream2);content:"";height:1.5px;left:10%;position:absolute;right:10%;top:24px;z-index:0}.ps-item{padding:0 12px;position:relative;text-align:center;z-index:1}.ps-circle{align-items:center;background:var(--white);border:2px solid var(--border-v2);border-radius:50%;display:flex;font-size:18px;height:48px;justify-content:center;margin:0 auto 18px;transition:all .25s;width:48px}.ps-item:hover .ps-circle{background:var(--navy);border-color:var(--navy)}.ps-item:hover .ps-circle span{filter:brightness(0) invert(1)}.ps-num{color:var(--muted);font-size:10px;font-weight:700;letter-spacing:.1em;margin-bottom:8px;text-transform:uppercase}.ps-item h4{color:var(--navy);font-size:14px;font-weight:600;margin-bottom:7px}.ps-item p{color:var(--muted);font-size:12px;line-height:1.6}.calc-section{background:var(--navy)}.calc-left h2.serif{color:var(--white)}.calc-left h2.serif em,.calc-left p{color:hsla(0,0%,100%,.45)}.calc-left p{margin-bottom:32px;margin-top:14px}.calc-card{background:hsla(0,0%,100%,.04);border:1px solid hsla(0,0%,100%,.1)}.calc-tabs{background:hsla(0,0%,100%,.06);border-radius:10px;display:flex;gap:4px;margin-bottom:28px;padding:4px}.calc-tab{background:transparent;border:none;border-radius:8px;color:hsla(0,0%,100%,.4);cursor:pointer;flex:1;font-family:var(--fb);font-size:12px;font-weight:600;padding:9px;text-align:center;transition:all .2s}.calc-tab.active{background:var(--white);color:var(--navy)}.calc-label{color:hsla(0,0%,100%,.35)}.calc-input{background:hsla(0,0%,100%,.07);border:1.5px solid hsla(0,0%,100%,.1);color:var(--white)}.calc-input:focus{border-color:hsla(0,0%,100%,.35)}.calc-input::-moz-placeholder{color:hsla(0,0%,100%,.2)}.calc-input::placeholder{color:hsla(0,0%,100%,.2)}.calc-result-box{align-items:center;background:rgba(201,151,42,.12);border:1px solid rgba(201,151,42,.25);border-radius:12px;display:flex;justify-content:space-between;margin-top:8px;padding:20px 22px}.crb-label{color:hsla(0,0%,100%,.4);font-size:11px;font-weight:600;letter-spacing:.08em;text-transform:uppercase}.crb-value{color:var(--gold2);font-family:var(--fs);font-size:28px}.calc-submit{align-items:center;background:var(--gold);border:none;border-radius:10px;color:var(--navy);cursor:pointer;display:flex;font-family:var(--fb);font-size:14px;font-weight:600;gap:8px;justify-content:center;margin-top:14px;padding:14px;transition:all .2s;width:100%}.calc-submit:hover{background:var(--gold2)}.fb-left h3{font-size:30px;margin-bottom:12px}.fb-left h3 em{color:hsla(0,0%,100%,.5)}.fb-stats{display:flex;gap:20px;margin-top:36px}.fbs-num{color:var(--white);display:block;font-family:var(--fs);font-size:26px}.fbs-lbl{color:hsla(0,0%,100%,.28);font-size:10px;font-weight:600;letter-spacing:.1em;text-transform:uppercase}.fb-reviews{display:flex;flex-direction:column;gap:10px;margin-top:28px}.fb-review-item{background:hsla(0,0%,100%,.05);border:1px solid hsla(0,0%,100%,.07);border-radius:10px;padding:14px}.fb-review-stars{color:var(--gold);font-size:11px;margin-bottom:5px}.fb-review-text{color:hsla(0,0%,100%,.45);font-size:12px;font-style:italic;line-height:1.6}.fb-review-name{color:hsla(0,0%,100%,.3);font-size:11px;font-weight:600;margin-top:6px}.fsub:hover{transform:translateY(-1px)}.faq-list{margin-top:0}.faq-cta-box{background:var(--cream);border:1.5px solid var(--border-v2);border-radius:var(--rl);padding:32px}.faq-cta-box h3{color:var(--navy);font-family:var(--fs);font-size:24px;margin-bottom:10px}.faq-cta-box p{color:var(--muted);font-size:13px;font-weight:300;line-height:1.75;margin-bottom:24px}.faq-cta-contact{display:flex;flex-direction:column;gap:10px}.faq-contact-item{background:var(--white);border:1.5px solid var(--border-v2);color:var(--navy)}.faq-contact-item:hover{border-color:var(--navy);transform:translateX(3px)}.faq-contact-icon{background:var(--cream);font-size:16px;height:36px;width:36px}@keyframes fadeUp{0%{opacity:0;transform:translateY(20px)}to{opacity:1;transform:translateY(0)}}@media(max-width:1024px){.page-hero-inner{grid-template-columns:1fr}.ph-stats{display:none}.lender-grid,.process-steps,.sit-grid{grid-template-columns:1fr 1fr}.process-steps{gap:24px}.process-steps:before{display:none}.calc-inner,.faq-inner,.form-block{grid-template-columns:1fr}.footer-top{grid-template-columns:1fr 1fr}.nav-links,.nbtn-o{display:none}.calc-row{grid-template-columns:1fr}}@media(max-width:640px){.footer-top,.form-grid,.lender-grid,.sit-grid{grid-template-columns:1fr}.ph-ctas{flex-direction:column}}.nav-drop-section{margin-top:4px}.nav-drop-section:first-child{margin-top:0}.nav-drop a .di{transition:background .15s}.nav-drop a .dt{display:flex;flex-direction:column}.nbtn-gold:hover{border-color:var(--gold2)}.page-hero{display:flex;flex-direction:column;justify-content:flex-end;min-height:92vh;padding-top:72px}.hero-bg-circle1{background:radial-gradient(circle,rgba(201,151,42,.1) 0,transparent 65%);height:600px;right:-120px;top:-160px;width:600px}.hero-bg-circle1,.hero-bg-circle2{border-radius:50%;pointer-events:none;position:absolute}.hero-bg-circle2{background:radial-gradient(circle,rgba(201,151,42,.06) 0,transparent 65%);bottom:-80px;height:400px;left:-80px;width:400px}.hero-bg-grid{background-image:repeating-linear-gradient(0deg,transparent,transparent 79px,hsla(0,0%,100%,.02) 80px),repeating-linear-gradient(90deg,transparent,transparent 79px,hsla(0,0%,100%,.02) 80px);inset:0;pointer-events:none;position:absolute}.hero-inner{align-items:end;display:grid;gap:64px;grid-template-columns:1fr 420px;padding:72px 5% 80px}.ph-breadcrumb a{transition:color .18s}.ph-desc{max-width:500px}.ph-ctas{display:flex;flex-wrap:wrap;gap:10px;margin-top:32px}.btn-gold{align-items:center;background:var(--gold);border:none;border-radius:11px;color:var(--navy);cursor:pointer;display:inline-flex;font-family:var(--fb);font-size:14px;font-weight:600;gap:8px;padding:13px 24px;text-decoration:none;transition:all .2s}.btn-gold:hover{background:var(--gold2);transform:translateY(-1px)}.btn-ghost{align-items:center;background:hsla(0,0%,100%,.07);border:1.5px solid hsla(0,0%,100%,.12);border-radius:11px;color:hsla(0,0%,100%,.7);display:inline-flex;font-size:14px;font-weight:600;gap:7px;padding:13px 22px;text-decoration:none;transition:all .2s}.btn-ghost:hover{background:hsla(0,0%,100%,.12);color:var(--white)}.hero-side-card{background:hsla(0,0%,100%,.05);border:1px solid hsla(0,0%,100%,.1);border-radius:20px;padding:32px}.hsc-label{color:hsla(0,0%,100%,.3);font-size:10px;font-weight:700;letter-spacing:.16em;margin-bottom:20px;text-transform:uppercase}.hsc-accounts{display:flex;flex-direction:column;gap:12px;margin-bottom:24px}.hsc-account{align-items:center;background:hsla(0,0%,100%,.05);border:1px solid hsla(0,0%,100%,.08);border-radius:10px;cursor:pointer;display:flex;justify-content:space-between;padding:14px 16px;transition:background .2s}.hsc-account:hover{background:hsla(0,0%,100%,.09)}.hsc-acc-left{gap:10px}.hsc-acc-icon,.hsc-acc-left{align-items:center;display:flex}.hsc-acc-icon{border-radius:8px;flex-shrink:0;font-size:16px;height:34px;justify-content:center;width:34px}.hsc-acc-name{color:var(--white);font-size:13px;font-weight:500}.hsc-acc-sub{color:hsla(0,0%,100%,.35);font-size:11px;margin-top:1px}.hsc-acc-badge{border-radius:6px;font-size:10px;font-weight:700;letter-spacing:.06em;padding:4px 9px}.badge-tax-free{background:rgba(52,168,83,.2);color:#4ade80}.badge-tax-defer{background:rgba(201,151,42,.2);color:var(--gold2)}.badge-locked{background:rgba(122,143,173,.15);color:rgba(122,143,173,.8)}.badge-open{background:hsla(0,0%,100%,.08);color:hsla(0,0%,100%,.5)}.hsc-divider{background:hsla(0,0%,100%,.07);height:1px;margin:8px 0}.hsc-total{align-items:center;display:flex;justify-content:space-between;padding:4px 0}.hsc-total-label{color:hsla(0,0%,100%,.35);font-size:11px}.hsc-total-val{color:var(--gold2);font-family:var(--fs);font-size:18px}.hsc-secured{align-items:center;color:hsla(0,0%,100%,.35);display:flex;font-size:11px;gap:6px;margin-top:14px}.hsc-secured-dot{background:rgba(52,168,83,.7);border-radius:50%;flex-shrink:0;height:6px;width:6px}.trust-bar{background:var(--white);padding:18px 5%}.ti-icon{background:var(--cream)}h2.serif{font-size:clamp(26px,3.4vw,44px)}.how-section{background:var(--cream)}.how-grid{align-items:center;display:grid;gap:48px;grid-template-columns:1fr 1fr;margin-top:52px}.how-steps{display:flex;flex-direction:column;gap:0}.how-step{border-bottom:1px solid var(--border-v2);cursor:pointer;display:flex;gap:20px;padding:24px 0}.how-step:last-child{border:none}.how-step:hover .hs-num{background:var(--navy);color:var(--white)}.hs-num{align-items:center;background:var(--white);border:1.5px solid var(--border-v2);border-radius:10px;color:var(--navy);display:flex;flex-shrink:0;font-family:var(--fs);font-size:17px;height:40px;justify-content:center;transition:all .2s;width:40px}.hs-content h4{color:var(--navy);font-size:15px;font-weight:600;margin-bottom:6px}.hs-content p{color:var(--muted);font-size:13px;font-weight:300;line-height:1.7}.how-visual{background:var(--navy);border-radius:24px;overflow:hidden;padding:40px;position:relative}.how-visual:before{background:radial-gradient(circle,rgba(201,151,42,.12) 0,transparent 70%);border-radius:50%;content:"";height:280px;pointer-events:none;position:absolute;right:-60px;top:-60px;width:280px}.how-visual-title{color:hsla(0,0%,100%,.4);font-family:var(--fs);font-size:13px;font-weight:400;letter-spacing:.05em;margin-bottom:24px}.how-visual-main,.how-visual-title{position:relative;z-index:1}.how-flow-item{align-items:center;background:hsla(0,0%,100%,.05);border:1px solid hsla(0,0%,100%,.08);border-radius:12px;display:flex;gap:14px;margin-bottom:10px;padding:16px}.how-flow-item:last-child{margin-bottom:0}.hfi-icon{align-items:center;border-radius:9px;display:flex;flex-shrink:0;font-size:18px;height:38px;justify-content:center;width:38px}.hfi-label{color:hsla(0,0%,100%,.7);font-size:12px;font-weight:500;line-height:1.3}.hfi-sub{color:hsla(0,0%,100%,.35);font-size:11px;margin-top:2px}.how-flow-arrow{color:var(--gold);font-size:16px;margin:4px 0;opacity:.6;text-align:center}.secured-pill{align-items:center;background:rgba(52,168,83,.15);border:1px solid rgba(52,168,83,.25);border-radius:100px;color:#4ade80;display:inline-flex;font-size:12px;font-weight:600;gap:6px;margin-top:16px;padding:8px 16px}.accounts-section{background:var(--white)}.accounts-grid{display:grid;gap:20px;grid-template-columns:repeat(2,1fr);margin-top:52px}.acc-card{border:1.5px solid var(--border-v2);border-radius:24px;display:flex;flex-direction:column;overflow:hidden;transition:all .28s var(--ease)}.acc-card:hover{box-shadow:var(--shadowL);transform:translateY(-5px)}.acc-header{overflow:hidden;padding:32px 30px 24px;position:relative}.acc-header-rrsp{background:var(--navy)}.acc-header-tfsa{background:linear-gradient(135deg,#0a5c36,#0d1f3c)}.acc-header-lira{background:linear-gradient(135deg,#162d54,#1a3a6b)}.acc-header-open{background:var(--cream)}.acc-bg-text{color:var(--white);font-family:var(--fs);font-size:80px;font-weight:400;letter-spacing:-2px;line-height:1;opacity:.08;pointer-events:none;position:absolute;right:-8px;top:-10px}.acc-header-open .acc-bg-text{color:var(--navy)}.acc-badge{align-items:center;border-radius:7px;display:inline-flex;font-size:10px;font-weight:700;gap:6px;letter-spacing:.1em;margin-bottom:16px;padding:5px 12px;text-transform:uppercase}.acc-badge-rrsp{background:rgba(201,151,42,.2);color:var(--gold2)}.acc-badge-tfsa{background:rgba(52,168,83,.2);color:#4ade80}.acc-badge-lira{background:rgba(122,143,173,.15);color:rgba(200,220,255,.7)}.acc-badge-open{background:var(--cream2);color:var(--mid)}.acc-title{font-family:var(--fs);font-size:26px;font-weight:400;position:relative;z-index:1}.acc-header-lira .acc-title,.acc-header-rrsp .acc-title,.acc-header-tfsa .acc-title{color:var(--white)}.acc-header-open .acc-title{color:var(--navy)}.acc-subtitle{font-size:13px;font-weight:300;margin-top:6px;position:relative;z-index:1}.acc-header-lira .acc-subtitle,.acc-header-rrsp .acc-subtitle,.acc-header-tfsa .acc-subtitle{color:hsla(0,0%,100%,.45)}.acc-header-open .acc-subtitle{color:var(--muted)}.acc-key-benefit{align-items:center;border-radius:8px;display:inline-flex;font-size:12px;font-weight:600;gap:6px;margin-top:16px;padding:7px 14px;position:relative;z-index:1}.acc-header-rrsp .acc-key-benefit{background:rgba(201,151,42,.15);color:var(--gold2)}.acc-header-tfsa .acc-key-benefit{background:rgba(52,168,83,.15);color:#4ade80}.acc-header-lira .acc-key-benefit{background:hsla(0,0%,100%,.08);color:hsla(0,0%,100%,.6)}.acc-header-open .acc-key-benefit{background:var(--white);color:var(--navy)}.acc-body{display:flex;flex:1;flex-direction:column;padding:26px 30px}.acc-desc{color:var(--muted);font-size:13px;font-weight:300;line-height:1.75;margin-bottom:20px}.acc-features{flex:1;list-style:none;margin-bottom:22px}.acc-features li{align-items:flex-start;border-bottom:1px solid var(--cream2);color:var(--mid);display:flex;font-size:12px;gap:9px;padding:8px 0}.acc-features li:last-child{border:none}.chk{align-items:center;background:var(--navy);border-radius:4px;display:flex;flex-shrink:0;height:16px;justify-content:center;margin-top:1px;width:16px}.chk svg{height:9px;width:9px}.chk-green{background:#16a34a}.acc-cta-row{align-items:center;border-top:1px solid var(--cream2);display:flex;justify-content:space-between;padding-top:14px}.acc-ideal{color:var(--muted);font-size:11px;line-height:1.45;max-width:180px}.acc-apply-link{align-items:center;color:var(--navy);display:flex;font-size:12px;font-weight:700;gap:6px;letter-spacing:.06em;text-decoration:none;text-transform:uppercase;transition:gap .2s}.acc-card:hover .acc-apply-link{gap:10px}.why-section{background:var(--navy);padding:80px 5%}.why-inner{margin:0 auto;max-width:1100px}.why-header{align-items:end;display:grid;gap:48px;grid-template-columns:1fr 1fr;margin-bottom:52px}.why-header h2.serif{color:var(--white)}.why-header h2.serif em{color:hsla(0,0%,100%,.4)}.why-header p{color:hsla(0,0%,100%,.45);font-size:14px;font-weight:300;line-height:1.78}.why-grid{display:grid;gap:16px;grid-template-columns:repeat(3,1fr)}.why-card{background:hsla(0,0%,100%,.04);border:1px solid hsla(0,0%,100%,.08);border-radius:16px;padding:28px 24px;transition:background .2s}.why-card:hover{background:hsla(0,0%,100%,.07)}.why-icon{font-size:28px;margin-bottom:16px}.why-card h4{color:var(--white);font-size:15px;font-weight:600;margin-bottom:9px}.why-card p{color:hsla(0,0%,100%,.42);font-size:13px;font-weight:300;line-height:1.7}.compare-section{background:var(--cream);padding:80px 5%}.compare-inner{margin:0 auto;max-width:1100px}.compare-table{border:1.5px solid var(--border-v2);border-radius:var(--rl);margin-top:48px;overflow:hidden}.ct-head{background:var(--navy);display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr 1fr}.ct-cell{font-size:12px;padding:16px 18px}.ct-head .ct-cell{color:hsla(0,0%,100%,.5);font-weight:600;letter-spacing:.04em}.ct-head .ct-cell:first-child{color:hsla(0,0%,100%,.3);font-size:10px;letter-spacing:.12em;text-transform:uppercase}.ct-row{background:var(--white);border-bottom:1px solid var(--border-v2);display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr 1fr;transition:background .18s}.ct-row:last-child{border:none}.ct-row:hover{background:var(--cream)}.ct-row .ct-cell{align-items:center;color:var(--mid);display:flex;font-size:13px}.ct-row .ct-cell:first-child{color:var(--navy);font-weight:500}.ct-yes{color:#16a34a;font-weight:600}.ct-no{color:#dc2626;font-weight:500}.ct-partial{color:var(--gold);font-weight:500}.ct-label-col{background:var(--cream);color:var(--navy);font-size:13px;font-weight:600;padding:18px}.calc-section{padding:80px 5%}.calc-inner{align-items:start;display:grid;gap:64px;grid-template-columns:1fr 1fr;margin:0 auto;max-width:1100px}.calc-left h2.serif{margin-bottom:14px}.calc-left p{color:var(--muted);font-size:14px;font-weight:300;line-height:1.78;margin-bottom:28px}.calc-disclaimer{background:var(--cream);border-left:3px solid var(--border-v2);border-radius:var(--r);color:var(--muted);font-size:11px;line-height:1.65;margin-top:20px;padding:14px}.calc-card{background:var(--cream);border:1.5px solid var(--border-v2);border-radius:20px;padding:36px}.calc-label{display:block}.calc-input{background:var(--white);border:1.5px solid var(--border-v2);border-radius:10px;color:var(--text);font-family:var(--fb);font-size:14px;outline:none;padding:12px 14px;transition:border-color .18s;width:100%}.calc-input:focus{border-color:var(--navy)}.calc-input::-moz-placeholder{color:var(--muted)}.calc-input::placeholder{color:var(--muted)}.calc-row{display:grid;gap:14px;grid-template-columns:1fr 1fr}.calc-slider-wrap{align-items:center;display:flex;gap:12px}.calc-slider{background:var(--border-v2);border-radius:2px;flex:1;height:4px}.calc-slider::-webkit-slider-thumb{height:18px;width:18px}.calc-slider-val{color:var(--navy);font-family:var(--fs);font-size:18px;min-width:44px;text-align:right}.calc-results{background:var(--navy);border-radius:14px;margin-top:8px;padding:24px}.cr-row{align-items:baseline;border-bottom:1px solid hsla(0,0%,100%,.07);display:flex;justify-content:space-between;padding:8px 0}.cr-row:last-child{border:none;padding-bottom:0}.cr-label{color:hsla(0,0%,100%,.4);font-size:12px}.cr-val{color:var(--gold2);font-family:var(--fs);font-size:20px}.cr-val-small{color:hsla(0,0%,100%,.7);font-family:var(--fs);font-size:16px}.calc-cta{align-items:center;background:var(--navy);border:none;border-radius:10px;color:var(--white);cursor:pointer;display:flex;font-family:var(--fb);font-size:14px;font-weight:600;gap:8px;justify-content:center;margin-top:18px;padding:14px;transition:all .2s;width:100%}.calc-cta:hover{background:var(--navy2)}.form-section{background:var(--cream);padding:80px 5%}.form-inner{margin:0 auto;max-width:1100px}.form-block{border:1.5px solid var(--border-v2);border-radius:24px;display:grid;grid-template-columns:1fr 1.3fr;overflow:hidden}.fb-left{background:var(--navy);display:flex;flex-direction:column;justify-content:space-between;overflow:hidden;padding:48px 44px;position:relative}.fb-left:after{background:rgba(201,151,42,.1);border-radius:50%;bottom:-50px;content:"";height:220px;pointer-events:none;position:absolute;right:-50px;width:220px}.fb-left h3{color:var(--white);font-family:var(--fs);font-size:28px;font-weight:400;line-height:1.18;margin-bottom:10px}.fb-left h3 em{color:hsla(0,0%,100%,.45);font-style:italic}.fb-left p{color:hsla(0,0%,100%,.42);font-size:13px;font-weight:300;line-height:1.78}.fb-checklist{display:flex;flex-direction:column;gap:10px;margin-top:28px}.fb-check-item{align-items:flex-start;color:hsla(0,0%,100%,.55);display:flex;font-size:13px;font-weight:300;gap:10px;line-height:1.5}.fb-check-dot{align-items:center;background:rgba(201,151,42,.3);border-radius:4px;color:var(--gold2);display:flex;flex-shrink:0;font-size:9px;height:16px;justify-content:center;margin-top:1px;width:16px}.fb-right{background:var(--white);padding:44px 40px}.form-title{font-family:var(--fs);font-size:20px;margin-bottom:22px}.form-grid{gap:12px;margin-bottom:12px}.ftextarea{background:var(--cream);border:1.5px solid var(--border-v2);border-radius:9px;color:var(--text);font-family:var(--fb);font-size:13px;min-height:80px;outline:none;padding:11px 13px;resize:vertical;transition:border-color .18s;width:100%}.ftextarea:focus{background:var(--white);border-color:var(--navy)}.fsub{background:var(--gold);color:var(--navy);margin-top:6px}.fsub:hover{background:var(--gold2)}.form-ty{min-height:300px;padding:48px}.ty-icon{background:var(--gold)}.faq-inner{align-items:start}.faq-q{font-size:15px;padding:20px 0}.faq-icon{font-size:16px;height:22px;width:22px}.faq-item.open .faq-a{max-height:220px}.faq-a-inner{font-size:14px;padding-bottom:20px}.faq-side-cta{background:var(--navy);border-radius:var(--rl);margin-top:0;padding:32px}.faq-side-cta h3{color:var(--white);font-family:var(--fs);font-size:24px;margin-bottom:10px}.faq-side-cta p{color:hsla(0,0%,100%,.42);font-size:13px;font-weight:300;line-height:1.75;margin-bottom:24px}.faq-contact-item{align-items:center;background:hsla(0,0%,100%,.06);border:1px solid hsla(0,0%,100%,.08);border-radius:10px;color:hsla(0,0%,100%,.7);display:flex;font-size:14px;font-weight:500;gap:12px;margin-bottom:10px;padding:12px 16px;text-decoration:none;transition:all .2s}.faq-contact-item:hover{background:hsla(0,0%,100%,.1);color:var(--white)}.faq-contact-icon{align-items:center;background:hsla(0,0%,100%,.08);border-radius:8px;display:flex;flex-shrink:0;font-size:15px;height:34px;justify-content:center;width:34px}footer{border-top:1px solid hsla(0,0%,100%,.07)}@media(max-width:1024px){.hero-inner{grid-template-columns:1fr}.hero-side-card{display:none}.accounts-grid,.how-grid{grid-template-columns:1fr}.why-grid{grid-template-columns:1fr 1fr}.calc-inner,.faq-inner,.form-block,.why-header{grid-template-columns:1fr}.footer-top{grid-template-columns:1fr 1fr}.ct-head,.ct-row{grid-template-columns:1.2fr 1fr 1fr 1fr}.ct-head .ct-cell:nth-child(5),.ct-row .ct-cell:nth-child(5),.nav-links{display:none}}@media(max-width:640px){.footer-top,.why-grid{grid-template-columns:1fr}.ct-head,.ct-row{grid-template-columns:1.2fr 1fr 1fr}.ct-head .ct-cell:nth-child(4),.ct-row .ct-cell:nth-child(4){display:none}.ph-ctas{flex-direction:column}.calc-row,.form-grid{grid-template-columns:1fr}}.nbtn{cursor:pointer}.page-hero{border-bottom:1px solid var(--border-v2)}.page-hero:before{height:440px;width:440px}.ph-desc{color:var(--muted)}.hero-tools{display:grid;gap:14px;grid-template-columns:repeat(4,1fr);margin-top:44px}.htool{background:var(--white);border:1.5px solid var(--border-v2);border-radius:var(--rl);color:inherit;cursor:pointer;display:flex;flex-direction:column;gap:12px;padding:22px 20px;text-decoration:none;transition:all .22s var(--ease)}.htool:hover{border-color:rgba(13,31,60,.12);box-shadow:var(--shadowL);transform:translateY(-3px)}.htool-icon{align-items:center;border-radius:11px;display:flex;flex-shrink:0;font-size:20px;height:44px;justify-content:center;width:44px}.htool-name{color:var(--navy);font-size:14px;font-weight:600}.htool-desc{color:var(--muted);font-size:12px;font-weight:300;line-height:1.55}.htool-link{align-items:center;color:var(--navy);display:flex;font-size:11px;font-weight:700;gap:5px;letter-spacing:.06em;margin-top:auto;text-transform:uppercase}.htool:hover .htool-link svg{transform:translateX(3px)}.htool-link svg{transition:transform .2s}.view-all-link{align-items:center;border-bottom:1px solid var(--border-v2);color:var(--navy);display:flex;flex-shrink:0;font-size:13px;font-weight:600;gap:6px;padding-bottom:2px;text-decoration:none}.view-all-link:hover{border-color:var(--navy)}.rate-section{background:var(--navy);padding:80px 5%}.rate-inner{margin:0 auto;max-width:1100px}.rate-section .sec-tag{color:var(--gold)}.rate-section .sec-tag:before{background:var(--gold)}.rate-section h2.serif{color:var(--white)}.rate-section .sec-intro,.rate-section h2.serif em{color:hsla(0,0%,100%,.4)}.rate-grid{display:grid;gap:16px;grid-template-columns:repeat(3,1fr);margin-top:48px}.rate-card{background:hsla(0,0%,100%,.04);border:1px solid hsla(0,0%,100%,.08);border-radius:16px;padding:28px 24px;transition:background .2s}.rate-card:hover{background:hsla(0,0%,100%,.07)}.rate-card-label{color:hsla(0,0%,100%,.3);font-size:10px;font-weight:700;letter-spacing:.16em;margin-bottom:14px;text-transform:uppercase}.rate-card-main{align-items:baseline;display:flex;gap:8px;margin-bottom:8px}.rate-card-num{color:var(--white);font-family:var(--fs);font-size:42px;font-weight:400;line-height:1}.rate-card-unit{color:hsla(0,0%,100%,.4);font-size:16px;font-weight:300}.rate-card-change{align-items:center;border-radius:6px;display:inline-flex;font-size:11px;font-weight:600;gap:4px;margin-bottom:12px;padding:4px 10px}.rate-up{background:rgba(239,68,68,.15);color:#f87171}.rate-down{background:rgba(52,168,83,.15);color:#4ade80}.rate-same{background:hsla(0,0%,100%,.07);color:hsla(0,0%,100%,.4)}.rate-card-desc{color:hsla(0,0%,100%,.35);font-size:12px;font-weight:300;line-height:1.6}.rate-updated{color:hsla(0,0%,100%,.2);font-size:11px;margin-top:32px;text-align:center}.rate-explainer{background:hsla(0,0%,100%,.03);border:1px solid hsla(0,0%,100%,.07);border-radius:14px;display:grid;gap:20px;grid-template-columns:repeat(3,1fr);margin-top:32px;padding:24px}.re-item h4{color:hsla(0,0%,100%,.7);font-size:13px;font-weight:600;margin-bottom:6px}.re-item p{color:hsla(0,0%,100%,.35);font-size:12px;font-weight:300;line-height:1.65}.calc-section{background:var(--white)}.calc-tabs-bar{display:flex;flex-wrap:wrap;gap:6px;margin-bottom:36px}.ctab{background:var(--white);border:1.5px solid var(--border-v2);border-radius:9px;color:var(--muted);cursor:pointer;font-family:var(--fb);font-size:13px;font-weight:500;padding:9px 18px;transition:all .18s}.ctab:hover{border-color:var(--navy);color:var(--navy)}.ctab.active{background:var(--navy);border-color:var(--navy);color:var(--white)}.calc-layout{align-items:start;display:grid;gap:48px;grid-template-columns:1fr 1fr}.calc-panel{display:none}.calc-panel.active{display:block}.calc-field{margin-bottom:18px}.calc-label{align-items:center;color:var(--muted);display:flex;font-size:10px;font-weight:700;justify-content:space-between;letter-spacing:.12em;margin-bottom:7px;text-transform:uppercase}.calc-label span{color:var(--navy);font-size:13px;font-weight:600;letter-spacing:0;text-transform:none}.calc-input-full{background:var(--cream);border:1.5px solid var(--border-v2);border-radius:10px;color:var(--text);font-family:var(--fb);font-size:14px;outline:none;padding:12px 14px;transition:border-color .18s;width:100%}.calc-input-full:focus{background:var(--white);border-color:var(--navy)}.calc-input-full::-moz-placeholder{color:var(--muted)}.calc-input-full::placeholder{color:var(--muted)}.calc-row-2{display:grid;gap:14px;grid-template-columns:1fr 1fr}.calc-slider{-webkit-appearance:none;background:var(--cream2);border-radius:3px;cursor:pointer;height:5px;margin-top:8px;outline:none;width:100%}.calc-slider::-webkit-slider-thumb{-webkit-appearance:none;background:var(--navy);border:2px solid var(--white);border-radius:50%;box-shadow:0 2px 8px rgba(13,31,60,.2);cursor:pointer;height:20px;width:20px}.calc-results-box{background:var(--cream);border:1.5px solid var(--border-v2);border-radius:var(--rl);padding:28px;position:sticky;top:140px}.crb-title{color:var(--navy);font-family:var(--fs);font-size:18px;margin-bottom:20px}.crb-main{background:var(--navy);border-radius:12px;margin-bottom:16px;padding:20px 22px}.crb-main-label{color:hsla(0,0%,100%,.4);font-size:11px;font-weight:600;letter-spacing:.1em;margin-bottom:6px;text-transform:uppercase}.crb-main-value{color:var(--white);font-family:var(--fs);font-size:38px;line-height:1}.crb-main-sub{color:hsla(0,0%,100%,.3);font-size:12px;margin-top:4px}.crb-breakdown{display:flex;flex-direction:column;gap:0}.crb-row{align-items:center;border-bottom:1px solid var(--cream2);display:flex;justify-content:space-between;padding:11px 0}.crb-row:last-child{border:none}.crb-row-label{color:var(--muted);font-size:13px}.crb-row-val{color:var(--navy);font-size:14px;font-weight:600}.crb-cta{align-items:center;background:var(--navy);border:none;border-radius:10px;color:var(--white);cursor:pointer;display:flex;font-family:var(--fb);font-size:13px;font-weight:600;gap:8px;justify-content:center;margin-top:16px;padding:13px;text-decoration:none;transition:all .2s;width:100%}.crb-cta:hover{background:var(--navy2)}.guides-grid{gap:20px}.guide-card-top{overflow:hidden;padding:28px 26px 22px;position:relative}.gc-bg{font-size:80px;right:-16px;top:-16px}.guide-tag{align-items:center;border-radius:6px;display:inline-flex;font-size:10px;font-weight:700;gap:5px;letter-spacing:.1em;margin-bottom:14px;padding:4px 10px;text-transform:uppercase}.guide-card h3{color:var(--navy);font-family:var(--fs);font-size:21px;line-height:1.2;margin-bottom:10px;position:relative;z-index:1}.guide-card p{color:var(--muted);font-size:13px;font-weight:300;line-height:1.7;position:relative;z-index:1}.guide-card-bottom{align-items:center;border-top:1px solid var(--cream2);display:flex;justify-content:space-between;margin-top:auto;padding:18px 26px}.guide-chapters{color:var(--muted);font-size:11px}.guide-chapters,.guide-read{align-items:center;display:flex;gap:5px}.guide-read{color:var(--navy);font-size:12px;font-weight:700;letter-spacing:.06em;text-transform:uppercase}.guide-read svg{transition:transform .2s}.guide-card:hover .guide-read svg{transform:translateX(4px)}.glossary-section{background:var(--white)}.glossary-search-wrap{margin-bottom:32px;max-width:440px;position:relative}.glossary-search{background:var(--cream);border:1.5px solid var(--border-v2);border-radius:11px;color:var(--text);font-family:var(--fb);font-size:14px;outline:none;padding:13px 44px 13px 16px;transition:border-color .18s;width:100%}.glossary-search:focus{background:var(--white);border-color:var(--navy)}.glossary-search::-moz-placeholder{color:var(--muted)}.glossary-search::placeholder{color:var(--muted)}.glossary-search-icon{color:var(--muted);pointer-events:none;position:absolute;right:14px;top:50%;transform:translateY(-50%)}.alpha-bar{display:flex;flex-wrap:wrap;gap:4px;margin-bottom:32px}.alpha-btn{align-items:center;background:var(--white);border:1.5px solid var(--border-v2);border-radius:7px;color:var(--muted);cursor:pointer;display:flex;font-size:12px;font-weight:600;height:32px;justify-content:center;transition:all .15s;width:32px}.alpha-btn.active,.alpha-btn:hover{background:var(--navy);border-color:var(--navy);color:var(--white)}.alpha-btn.empty{opacity:.3;pointer-events:none}.glossary-group{margin-bottom:40px}.glossary-group-letter{color:var(--cream3);font-family:var(--fs);font-size:36px;line-height:1;margin-bottom:16px}.glossary-grid{display:grid;gap:12px;grid-template-columns:repeat(2,1fr)}.glossary-item{background:var(--cream);border:1.5px solid var(--border-v2);border-radius:var(--r);cursor:pointer;padding:18px 20px;transition:all .2s}.glossary-item:hover{background:var(--white);border-color:var(--navy)}.glossary-term{align-items:center;color:var(--navy);display:flex;font-size:14px;font-weight:600;justify-content:space-between;margin-bottom:5px}.glossary-def{color:var(--muted);font-size:13px;font-weight:300;line-height:1.65;max-height:0;overflow:hidden;transition:max-height .3s var(--ease)}.glossary-item.open .glossary-def{max-height:200px}.glossary-item.open{background:var(--white);border-color:var(--navy)}.glossary-expand{color:var(--muted);flex-shrink:0;font-size:14px;transition:transform .2s}.glossary-item.open .glossary-expand{color:var(--navy);transform:rotate(45deg)}.glossary-no-results{color:var(--muted);display:none;font-size:14px;padding:48px;text-align:center}.quiz-teaser{background:var(--cream);padding:80px 5%}.quiz-teaser-inner{align-items:center;display:grid;gap:64px;grid-template-columns:1fr 1fr;margin:0 auto;max-width:1100px}.qt-left h2.serif{margin-bottom:14px}.qt-left p{color:var(--muted);font-size:14px;font-weight:300;line-height:1.78;margin-bottom:28px}.qt-steps{flex-direction:column}.qt-step,.qt-steps{display:flex;gap:14px}.qt-step{align-items:center;color:var(--mid);font-size:13px}.qt-step-num{align-items:center;background:var(--navy);border-radius:7px;color:var(--white);display:flex;flex-shrink:0;font-size:12px;font-weight:700;height:28px;justify-content:center;width:28px}.quiz-preview{background:var(--white);border:1.5px solid var(--border-v2);border-radius:var(--rl);box-shadow:var(--shadow);overflow:hidden}.qp-bar{background:var(--cream2);height:4px}<br>.qp-bar-fill{background:var(--gold);height:100%;width:40%}.qp-body{padding:32px}.qp-step{color:var(--muted);font-size:10px;font-weight:700;letter-spacing:.15em;margin-bottom:8px;text-transform:uppercase}.qp-q{color:var(--navy);font-family:var(--fs);font-size:20px;margin-bottom:20px}.qp-opts{display:grid;gap:8px;grid-template-columns:1fr 1fr;margin-bottom:24px}.qp-opt{background:var(--white);border:1.5px solid var(--border-v2);border-radius:9px;color:var(--mid);cursor:pointer;font-family:var(--fb);font-size:13px;padding:12px 14px;text-align:left;transition:all .18s}.qp-opt:hover{border-color:var(--navy);color:var(--navy)}.qp-opt.sel{background:var(--navy);border-color:var(--navy);color:var(--white)}.qp-cta{align-items:center;display:flex;justify-content:space-between}.qp-back{background:none;color:var(--muted);font-size:12px}.qp-back,.qp-next{border:none;cursor:pointer;font-family:var(--fb)}.qp-next{align-items:center;background:var(--navy);border-radius:9px;color:var(--white);display:flex;font-size:13px;font-weight:600;gap:7px;padding:11px 22px;transition:all .2s}.qp-next:hover{background:var(--navy2)}.qp-next:disabled{opacity:.35;pointer-events:none}.blog-section{background:var(--white)}.blog-preview-grid{display:grid;gap:24px;grid-template-columns:1.4fr 1fr 1fr}.bp-featured{border:1.5px solid var(--border-v2);border-radius:var(--rl);color:inherit;display:flex;flex-direction:column;overflow:hidden;text-decoration:none;transition:all .25s var(--ease)}.bp-featured:hover{box-shadow:var(--shadowL);transform:translateY(-4px)}.bp-featured-img{align-items:flex-end;background:var(--navy);display:flex;height:220px;overflow:hidden;padding:20px;position:relative}.bp-featured-img:after{background:linear-gradient(0deg,rgba(13,31,60,.7),transparent 60%);content:"";inset:0;position:absolute}.bp-feat-bg-letter{color:hsla(0,0%,100%,.04);font-family:var(--fs);font-size:100px;pointer-events:none;position:absolute;right:-10px;top:-10px}.bp-cat{background:var(--gold);border-radius:6px;color:var(--navy);font-size:10px;font-weight:700;letter-spacing:.1em;padding:4px 10px;position:relative;text-transform:uppercase;z-index:1}.bp-yt-badge{align-items:center;background:rgba(255,0,0,.9);border-radius:7px;display:flex;height:30px;justify-content:center;position:absolute;right:14px;top:14px;width:30px;z-index:1}.bp-body{display:flex;flex:1;flex-direction:column;padding:22px}.bp-meta{align-items:center;display:flex;gap:8px;margin-bottom:10px}.bp-cat-text{color:var(--gold);font-size:10px;font-weight:700;letter-spacing:.1em;text-transform:uppercase}.bp-dot{background:var(--border-v2);border-radius:50%;height:3px;width:3px}.bp-date{color:var(--muted);font-size:11px}.bp-title{color:var(--navy);flex:1;font-family:var(--fs);font-size:18px;line-height:1.2;margin-bottom:8px}.bp-excerpt{color:var(--muted);font-size:13px;font-weight:300;line-height:1.65;margin-bottom:16px}.bp-read{align-items:center;color:var(--navy);display:flex;font-size:11px;font-weight:700;gap:5px;letter-spacing:.06em;margin-top:auto;text-transform:uppercase}.bp-read svg{transition:transform .2s}.bp-featured:hover .bp-read svg{transform:translateX(4px)}.bp-small{border:1.5px solid var(--border-v2);border-radius:var(--rl);color:inherit;display:flex;flex-direction:column;overflow:hidden;text-decoration:none;transition:all .25s var(--ease)}.bp-small:hover{box-shadow:var(--shadowL);transform:translateY(-3px)}.bp-small-img{align-items:center;background:var(--navy);display:flex;height:130px;justify-content:center;overflow:hidden;position:relative}.bp-small-body{display:flex;flex:1;flex-direction:column;padding:18px}.faq-section{background:var(--cream)}.faq-inner-wide{margin:0 auto;max-width:1100px}.faq-cols{display:grid;gap:48px;grid-template-columns:1fr 1fr;margin-top:48px}.faq-item.open .faq-a{max-height:200px}.faq-a-inner{line-height:1.75}.newsletter-band{background:var(--navy)}.nl-left h3{color:var(--white);font-size:28px}.nl-left p{color:hsla(0,0%,100%,.4)}.nl-input{background:hsla(0,0%,100%,.07);border:1.5px solid hsla(0,0%,100%,.12);color:var(--white);min-width:260px}.nl-input:focus{border-color:hsla(0,0%,100%,.4)}.nl-input::-moz-placeholder{color:hsla(0,0%,100%,.3)}.nl-input::placeholder{color:hsla(0,0%,100%,.3)}.nl-btn{background:var(--gold);color:var(--navy)}.nl-btn:hover{background:var(--gold2)}@media(max-width:1024px){.hero-tools,.rate-grid{grid-template-columns:1fr 1fr}.calc-layout,.rate-explainer{grid-template-columns:1fr}.crb-main-value{font-size:30px}.guides-grid{grid-template-columns:1fr 1fr}.glossary-grid,.quiz-teaser-inner{grid-template-columns:1fr}.blog-preview-grid{grid-template-columns:1fr 1fr}.faq-cols{grid-template-columns:1fr}.footer-top{grid-template-columns:1fr 1fr}.nav-links{display:none}}@media(max-width:640px){.blog-preview-grid,.calc-row-2,.footer-top,.guides-grid,.hero-tools,.qp-opts,.rate-grid{grid-template-columns:1fr}}.page-hero{padding:120px 5% 80px}.page-hero:before{height:500px;top:-120px;width:500px}.page-hero:after{bottom:-60px;height:320px;width:320px}h1.serif{font-size:clamp(34px,4.2vw,56px)}.hero-search{margin-top:36px;max-width:520px;position:relative}.hs-input{background:hsla(0,0%,100%,.08);border:1.5px solid hsla(0,0%,100%,.15);border-radius:14px;color:var(--white);font-family:var(--fb);font-size:15px;outline:none;padding:16px 56px 16px 20px;transition:border-color .2s;width:100%}.hs-input:focus{background:hsla(0,0%,100%,.1);border-color:hsla(0,0%,100%,.4)}.hs-input::-moz-placeholder{color:hsla(0,0%,100%,.3)}.hs-input::placeholder{color:hsla(0,0%,100%,.3)}.hs-icon{color:hsla(0,0%,100%,.35);pointer-events:none;position:absolute;right:18px;top:50%;transform:translateY(-50%)}.hs-results{background:var(--white);border:1.5px solid var(--border-v2);border-radius:14px;box-shadow:var(--shadowL);display:none;left:0;padding:8px;position:absolute;right:0;top:calc(100% + 8px);z-index:50}.hs-results.show{display:block}.hs-result-item{align-items:center;border-radius:10px;color:inherit;cursor:pointer;display:flex;gap:10px;padding:10px 12px;text-decoration:none;transition:background .15s}.hs-result-item:hover{background:var(--cream)}.hs-result-icon{align-items:center;background:var(--cream2);border-radius:8px;display:flex;flex-shrink:0;font-size:15px;height:32px;justify-content:center;width:32px}.hs-result-name{color:var(--navy);font-size:13px;font-weight:500}.hs-result-cat{color:var(--muted);font-size:11px}.hero-stats{border-top:1px solid hsla(0,0%,100%,.08);display:flex;flex-wrap:wrap;gap:40px;margin-top:48px;padding-top:40px}.hs-stat-num{color:var(--white);display:block;font-family:var(--fs);font-size:28px;line-height:1}.hs-stat-label{color:hsla(0,0%,100%,.35);font-size:11px;font-weight:500;letter-spacing:.06em;margin-top:4px;text-transform:uppercase}h2.serif{font-size:clamp(24px,3vw,40px)}.section-head-row{align-items:flex-end;display:flex;flex-wrap:wrap;gap:20px;justify-content:space-between;margin-bottom:48px}.view-all{align-items:center;border-bottom:1px solid var(--border-v2);color:var(--navy);display:flex;flex-shrink:0;font-size:13px;font-weight:600;gap:6px;padding-bottom:2px;text-decoration:none;transition:border-color .2s}.view-all:hover{border-color:var(--navy)}.tools-section{background:var(--white)}.tools-grid{display:grid;gap:20px;grid-template-columns:repeat(3,1fr)}.tool-card{border:1.5px solid var(--border-v2);border-radius:var(--rl);color:inherit;display:flex;flex-direction:column;overflow:hidden;text-decoration:none;transition:all .25s var(--ease)}.tool-card:hover{border-color:rgba(13,31,60,.15);box-shadow:var(--shadowL);transform:translateY(-4px)}.tc-header{overflow:hidden;padding:28px 26px 22px;position:relative}.tc-icon{display:block;font-size:32px;margin-bottom:14px}.tc-badge{align-items:center;border-radius:6px;display:inline-flex;font-size:10px;font-weight:700;gap:5px;letter-spacing:.1em;margin-bottom:12px;padding:4px 10px;text-transform:uppercase}.tc-badge-free{background:rgba(52,168,83,.12);color:#15803d}.tc-badge-live{background:rgba(201,151,42,.12);color:var(--gold)}.tc-badge-new{background:rgba(99,102,241,.12);color:#4f46e5}.tc-title{color:var(--navy);font-family:var(--fs);font-size:20px;margin-bottom:8px}.tc-desc,.tc-title{position:relative;z-index:1}.tc-desc{color:var(--muted);font-size:13px;font-weight:300;line-height:1.7}.tc-footer{align-items:center;border-top:1px solid var(--cream2);display:flex;justify-content:space-between;margin-top:auto;padding:16px 26px}.tc-meta{color:var(--muted);font-size:11px}.tc-link,.tc-meta{align-items:center;display:flex;gap:5px}.tc-link{color:var(--navy);font-size:12px;font-weight:700;letter-spacing:.06em;text-transform:uppercase}.tc-link svg{transition:transform .2s}.tool-card:hover .tc-link svg{transform:translateX(4px)}.tool-card-featured{display:grid;grid-column:span 2;grid-template-columns:1fr 1fr}.tool-card-featured .tc-header{padding:36px 32px}.tool-card-featured .tc-title{font-size:26px}.tool-card-featured .tc-visual{background:var(--navy);display:flex;flex-direction:column;gap:10px;justify-content:center;padding:32px}.tcv-row{align-items:center;background:hsla(0,0%,100%,.05);border:1px solid hsla(0,0%,100%,.08);border-radius:10px;display:flex;justify-content:space-between;padding:12px 16px}.tcv-label{color:hsla(0,0%,100%,.4);font-size:12px}.tcv-val{color:var(--white);font-family:var(--fs);font-size:18px}.tcv-val-gold{color:var(--gold2)}.guides-section{background:var(--cream)}.guides-grid{display:grid;gap:18px;grid-template-columns:repeat(3,1fr)}.guide-card{background:var(--white);border:1.5px solid var(--border-v2);border-radius:var(--rl);color:inherit;display:flex;flex-direction:column;overflow:hidden;text-decoration:none;transition:all .25s var(--ease)}.guide-card:hover{box-shadow:var(--shadowL);transform:translateY(-4px)}.gc-top{flex:1;overflow:hidden;padding:28px 24px 20px;position:relative}.gc-bg{color:var(--navy);font-family:var(--fs);font-size:72px;opacity:.06;pointer-events:none;position:absolute;right:-10px;top:-10px}.gc-num{color:var(--muted);font-size:10px;font-weight:700;letter-spacing:.15em;margin-bottom:12px;text-transform:uppercase}.gc-icon{display:block;font-size:28px;margin-bottom:14px}.gc-tag{align-items:center;border-radius:6px;display:inline-flex;font-size:10px;font-weight:700;letter-spacing:.1em;margin-bottom:12px;padding:4px 10px;text-transform:uppercase}.gc-title{color:var(--navy);font-family:var(--fs);font-size:18px;line-height:1.2;margin-bottom:8px}.gc-desc,.gc-title{position:relative;z-index:1}.gc-desc{color:var(--muted);font-size:12px;font-weight:300;line-height:1.65}.gc-bottom{align-items:center;border-top:1px solid var(--cream2);display:flex;justify-content:space-between;padding:16px 24px}.gc-time{color:var(--muted)}.gc-read,.gc-time{align-items:center;display:flex;font-size:11px;gap:5px}.gc-read{color:var(--navy);font-weight:700;letter-spacing:.06em;text-transform:uppercase}.gc-read svg{transition:transform .2s}.guide-card:hover .gc-read svg{transform:translateX(4px)}.forms-section{background:var(--white)}.forms-grid{display:grid;gap:16px;grid-template-columns:repeat(2,1fr)}.form-item{align-items:center;background:var(--white);border:1.5px solid var(--border-v2);border-radius:var(--r);color:inherit;display:flex;gap:16px;padding:20px 22px;text-decoration:none;transition:all .2s var(--ease)}.form-item:hover{background:var(--cream);border-color:var(--navy);transform:translateX(3px)}.form-icon{align-items:center;background:var(--cream);border-radius:10px;display:flex;flex-shrink:0;font-size:20px;height:44px;justify-content:center;transition:background .2s;width:44px}.form-item:hover .form-icon{background:var(--cream2)}.form-title{color:var(--navy);font-size:14px;font-weight:600;margin-bottom:3px}.form-desc{color:var(--muted);font-size:12px;font-weight:300}.form-arrow{color:var(--muted);flex-shrink:0;margin-left:auto;transition:transform .2s}.form-item:hover .form-arrow{color:var(--navy);transform:translateX(3px)}.form-badge{border-radius:4px;display:inline-block;font-size:9px;font-weight:700;letter-spacing:.08em;margin-top:4px;padding:2px 7px;text-transform:uppercase}.fb-pdf{background:#fee2e2;color:#991b1b}.fb-web{background:#dbeafe;color:#1e40af}.fb-ext{background:var(--cream2);color:var(--mid)}.external-section{background:var(--cream)}.ext-grid{display:grid;gap:16px;grid-template-columns:repeat(3,1fr)}.ext-card{background:var(--white);border:1.5px solid var(--border-v2);border-radius:var(--rl);color:inherit;display:flex;flex-direction:column;gap:12px;padding:24px 22px;text-decoration:none;transition:all .22s var(--ease)}.ext-card:hover{box-shadow:var(--shadowL);transform:translateY(-3px)}.ext-logo{align-items:center;border-radius:10px;display:flex;flex-shrink:0;font-size:20px;height:40px;justify-content:center;width:40px}.ext-source{color:var(--muted);font-size:10px;font-weight:700;letter-spacing:.1em;text-transform:uppercase}.ext-title{color:var(--navy);font-size:14px;font-weight:500;line-height:1.3}.ext-desc{color:var(--muted);flex:1;font-size:12px;font-weight:300;line-height:1.6}.ext-link{align-items:center;color:var(--navy);display:flex;font-size:11px;font-weight:700;gap:5px;letter-spacing:.06em;margin-top:auto;text-transform:uppercase}.ext-link svg{transition:transform .2s}.ext-card:hover .ext-link svg{transform:translateX(3px)}.video-section{background:var(--navy);padding:80px 5%}.video-section .sec-tag{color:var(--gold)}.video-section .sec-tag:before{background:var(--gold)}.video-section h2.serif{color:var(--white)}.video-section .sec-intro,.video-section h2.serif em{color:hsla(0,0%,100%,.4)}.video-grid{display:grid;gap:16px;grid-template-columns:repeat(3,1fr);margin-top:48px}.video-card{background:hsla(0,0%,100%,.04);border:1px solid hsla(0,0%,100%,.07);border-radius:var(--rl);color:inherit;cursor:pointer;overflow:hidden;text-decoration:none;transition:all .22s var(--ease)}.video-card:hover{background:hsla(0,0%,100%,.07);transform:translateY(-3px)}.vc-thumb{background:var(--navy2);height:160px;overflow:hidden;position:relative}.vc-thumb,.vc-thumb-bg{align-items:center;display:flex;justify-content:center}.vc-thumb-bg{font-size:56px;inset:0;opacity:.2;position:absolute}.vc-thumb-overlay{background:linear-gradient(0deg,rgba(13,31,60,.6),transparent 60%);inset:0;position:absolute}.vc-play{align-items:center;background:rgba(255,0,0,.9);border-radius:50%;display:flex;height:48px;justify-content:center;position:relative;transition:transform .2s;width:48px;z-index:1}.video-card:hover .vc-play{transform:scale(1.1)}.vc-dur{background:rgba(0,0,0,.7);border-radius:5px;bottom:10px;color:var(--white);font-size:10px;font-weight:600;padding:3px 7px;position:absolute;right:10px;z-index:1}.vc-body{padding:18px 16px}.vc-tag{color:var(--gold);font-size:10px;font-weight:700;letter-spacing:.1em;margin-bottom:7px;text-transform:uppercase}.vc-title{color:var(--white);font-size:13px;font-weight:500;line-height:1.4;margin-bottom:6px}.vc-date{color:hsla(0,0%,100%,.3);font-size:11px}.video-cta{align-items:center;display:flex;flex-wrap:wrap;gap:14px;justify-content:center;margin-top:36px}.btn-yt{align-items:center;background:red;border-radius:9px;color:var(--white);display:inline-flex;font-size:13px;font-weight:600;gap:8px;padding:12px 22px;text-decoration:none;transition:all .2s}.btn-yt:hover{background:#c00;transform:translateY(-1px)}.btn-ghost-sm{align-items:center;background:hsla(0,0%,100%,.07);border:1px solid hsla(0,0%,100%,.1);border-radius:9px;color:hsla(0,0%,100%,.6);display:inline-flex;font-size:13px;font-weight:500;gap:7px;padding:12px 20px;text-decoration:none;transition:all .2s}.btn-ghost-sm:hover{background:hsla(0,0%,100%,.12);color:var(--white)}.newsletter-band{align-items:center;background:var(--cream);border-top:1px solid var(--border-v2);display:flex;flex-wrap:wrap;gap:40px;justify-content:space-between;padding:72px 5%}.nl-left h3{color:var(--navy);font-family:var(--fs);font-size:26px;margin-bottom:8px}.nl-left p{color:var(--muted);font-size:14px;font-weight:300;line-height:1.75;max-width:400px}.nl-form{display:flex;flex-wrap:wrap;gap:10px}.nl-input{background:var(--white);border:1.5px solid var(--border-v2);border-radius:9px;color:var(--text);font-family:var(--fb);font-size:13px;min-width:240px;outline:none;padding:12px 16px;transition:border-color .18s}.nl-input:focus{border-color:var(--navy)}.nl-input::-moz-placeholder{color:var(--muted)}.nl-input::placeholder{color:var(--muted)}.nl-btn{background:var(--navy);border:none;border-radius:9px;color:var(--white);cursor:pointer;font-family:var(--fb);font-size:13px;font-weight:600;padding:12px 22px;transition:background .2s;white-space:nowrap}.nl-btn:hover{background:var(--navy2)}.social-section{background:var(--white);padding:80px 5%}.social-grid{display:grid;gap:18px;grid-template-columns:repeat(3,1fr);margin-top:0}.sc-card{border:1.5px solid var(--border-v2);border-radius:var(--rl);color:inherit;display:block;padding:32px 24px;text-align:center;text-decoration:none;transition:all .25s var(--ease)}.sc-card:hover{border-color:rgba(13,31,60,.15);box-shadow:var(--shadowL);transform:translateY(-4px)}.sc-icon{align-items:center;border-radius:14px;display:flex;font-size:24px;height:56px;justify-content:center;margin:0 auto 16px;width:56px}.sc-ig .sc-icon{background:linear-gradient(135deg,#f09433,#dc2743 50%,#bc1888)}.sc-tt .sc-icon{background:#000}.sc-yt .sc-icon{background:red}.sc-name{color:var(--navy);font-family:var(--fs);font-size:18px;margin-bottom:5px}.sc-handle{color:var(--gold);font-size:12px;font-weight:600;margin-bottom:10px}.sc-desc{color:var(--muted);font-size:12px;font-weight:300;line-height:1.6;margin-bottom:18px}.sc-btn{align-items:center;border:1.5px solid var(--border-v2);border-radius:8px;color:var(--navy);display:inline-flex;font-size:11px;font-weight:700;gap:6px;letter-spacing:.06em;padding:8px 16px;text-transform:uppercase;transition:all .2s}.sc-card:hover .sc-btn{background:var(--navy);border-color:var(--navy);color:var(--white)}@media(max-width:1024px){.tools-grid{grid-template-columns:1fr 1fr}.tool-card-featured{grid-column:span 2;grid-template-columns:1fr}.tool-card-featured .tc-visual{display:none}.ext-grid,.footer-top,.guides-grid,.video-grid{grid-template-columns:1fr 1fr}.nav-links{display:none}}@media(max-width:640px){.tools-grid{grid-template-columns:1fr}.tool-card-featured{grid-column:auto}.ext-grid,.footer-top,.forms-grid,.guides-grid,.social-grid,.video-grid{grid-template-columns:1fr}}.page-hero{background:var(--cream);padding:120px 5% 0}.ph-breadcrumb,.ph-breadcrumb a{color:var(--muted)}.ph-breadcrumb a{transition:color .2s}.ph-breadcrumb a:hover{color:var(--navy)}.ph-breadcrumb span{color:var(--border-v2)}h1.serif{color:var(--navy);font-size:clamp(36px,4.5vw,60px);line-height:1.06}.ph-desc{color:var(--mid);font-size:16px;margin-top:16px;max-width:560px}.hero-band{border-top:1px solid var(--border-v2);display:grid;gap:0;grid-template-columns:1fr 1fr;margin-top:64px}.hb-left{border-right:1px solid var(--border-v2);padding:52px 60px 64px 0}.hb-right{padding:52px 0 64px 60px}.hb-label{align-items:center;color:var(--muted);display:flex;font-size:10px;font-weight:700;gap:8px;letter-spacing:.18em;margin-bottom:20px;text-transform:uppercase}.hb-label:before{background:var(--border-v2);content:"";height:1.5px;width:16px}.hb-title{color:var(--navy);font-family:var(--fs);font-size:26px;line-height:1.2;margin-bottom:16px}.hb-title em{font-style:italic}.hb-text{color:var(--mid);font-size:14px;font-weight:300;line-height:1.8}.hb-stat-row{border-top:1px solid var(--cream2);display:flex;gap:36px;margin-top:32px;padding-top:28px}.hb-stat-num{color:var(--navy);display:block;font-family:var(--fs);font-size:30px}.hb-stat-lbl{color:var(--muted);font-size:11px;font-weight:500;letter-spacing:.06em;text-transform:uppercase}.hb-badges{display:flex;flex-wrap:wrap;gap:10px;margin-top:28px}.hb-badge{align-items:center;background:var(--white);border:1.5px solid var(--border-v2);border-radius:10px;color:var(--navy);display:flex;font-size:13px;font-weight:500;gap:8px;padding:10px 16px}.hb-badge-icon{font-size:16px}.section-tabs{background:var(--white);border-bottom:1px solid var(--border-v2);display:flex;gap:0;overflow-x:auto;padding:0 5%;position:sticky;top:72px;z-index:100}.stab{border-bottom:2.5px solid transparent;color:var(--muted);cursor:pointer;font-size:13px;font-weight:500;padding:16px 20px;text-decoration:none;transition:all .18s;white-space:nowrap}.stab.active,.stab:hover{color:var(--navy)}.stab.active{border-color:var(--navy);font-weight:600}.section{padding:80px 5%}.section-inner{margin:0 auto;max-width:1100px}h2.serif{color:var(--navy);font-family:var(--fs);font-size:clamp(26px,3.2vw,42px);font-weight:400;letter-spacing:-.3px;line-height:1.1}h2.serif em{font-style:italic}.sec-intro{color:var(--muted);font-size:15px;font-weight:300;line-height:1.78;margin-top:12px;max-width:540px}.story-section{background:var(--white)}.story-grid{align-items:start;display:grid;gap:80px;grid-template-columns:1fr 1fr;margin-top:56px}.story-text{display:flex;flex-direction:column;gap:20px}.story-p{color:var(--mid);font-size:15px;font-weight:300;line-height:1.85}.story-p strong{color:var(--navy);font-weight:600}.story-quote{background:var(--navy);border-radius:var(--rl);margin-top:8px;padding:36px;position:relative}.story-quote:before{color:rgba(201,151,42,.25);content:"\201C";font-family:var(--fs);font-size:80px;left:24px;line-height:1;position:absolute;top:-8px}.sq-text{color:var(--white);font-family:var(--fs);font-size:20px;font-style:italic;line-height:1.4;margin-bottom:16px;position:relative;z-index:1}.sq-attr{color:hsla(0,0%,100%,.4);font-size:12px;font-weight:500;letter-spacing:.04em}.story-right{display:flex;flex-direction:column;gap:20px}.story-milestone{align-items:flex-start;border-bottom:1px solid var(--cream2);display:flex;gap:20px;padding:20px 0}.story-milestone:first-child{border-top:1px solid var(--cream2)}.sm-year{color:var(--gold);flex-shrink:0;font-family:var(--fs);font-size:22px;line-height:1;min-width:56px}.sm-title{color:var(--navy);font-size:14px;font-weight:600;margin-bottom:5px}.sm-desc{color:var(--muted);font-size:13px;font-weight:300;line-height:1.65}.brands-section{background:var(--cream)}.brands-grid{display:grid;gap:24px;grid-template-columns:1fr 1fr;margin-top:52px}.brand-card{border-radius:24px;display:flex;flex-direction:column;overflow:hidden}.bc-header{overflow:hidden;padding:40px 36px 32px;position:relative}.bc-header-m{background:var(--white);border:1.5px solid var(--border-v2)}.bc-header-c{background:var(--navy)}.bc-bg{font-family:var(--fs);font-size:120px;font-weight:400;line-height:1;opacity:.05;pointer-events:none;position:absolute;right:-16px;top:-16px}.bc-header-m .bc-bg{color:var(--navy)}.bc-header-c .bc-bg{color:var(--white)}.bc-tag{align-items:center;border-radius:7px;display:inline-flex;font-size:10px;font-weight:700;letter-spacing:.1em;margin-bottom:16px;padding:5px 12px;text-transform:uppercase}.bc-header-m .bc-tag{background:var(--cream);color:var(--muted)}.bc-header-c .bc-tag{background:rgba(201,151,42,.2);color:var(--gold2)}.bc-name{font-family:var(--fs);font-size:28px;font-weight:400;letter-spacing:-.3px;margin-bottom:12px;position:relative;z-index:1}.bc-header-m .bc-name{color:var(--navy)}.bc-header-c .bc-name{color:var(--white)}.bc-desc{font-size:14px;font-weight:300;line-height:1.75;position:relative;z-index:1}.bc-header-m .bc-desc{color:var(--mid)}.bc-header-c .bc-desc{color:hsla(0,0%,100%,.5)}.bc-body{background:var(--white);border-radius:0 0 24px 24px;border:1.5px solid var(--border-v2);border-top:none;flex:1;padding:28px 36px}.bc-features{display:flex;flex-direction:column;gap:0}.bc-feature{align-items:center;border-bottom:1px solid var(--cream2);color:var(--mid);display:flex;font-size:13px;gap:12px;padding:11px 0}.bc-feature:last-child{border:none}.bc-feature-dot{background:var(--navy);border-radius:50%;flex-shrink:0;height:7px;width:7px}.bc-cta{align-items:center;border-radius:10px;display:inline-flex;font-family:var(--fb);font-size:13px;font-weight:600;gap:8px;margin-top:20px;padding:12px 22px;text-decoration:none;transition:all .2s}.bc-cta-m{background:var(--navy);color:var(--white)}.bc-cta-m:hover{background:var(--navy2);transform:translateY(-1px)}.bc-cta-c{background:var(--gold);color:var(--navy)}.bc-cta-c:hover{background:var(--gold2);transform:translateY(-1px)}.team-section{background:var(--white)}.team-grid{display:grid;gap:24px;grid-template-columns:repeat(3,1fr);margin-top:52px}.team-card{border:1.5px solid var(--border-v2);border-radius:var(--rl);overflow:hidden;transition:all .25s var(--ease)}.team-card:hover{box-shadow:var(--shadowL);transform:translateY(-4px)}.tc-photo{align-items:flex-end;display:flex;height:220px;overflow:hidden;padding:20px;position:relative}.tc-photo-bg{align-items:center;display:flex;font-size:80px;inset:0;justify-content:center;position:absolute}.tc-photo-overlay{background:linear-gradient(0deg,rgba(13,31,60,.75),rgba(13,31,60,.2) 60%,transparent);inset:0;position:absolute}.tc-photo-name{color:var(--white);font-family:var(--fs);font-size:22px;font-weight:400;line-height:1.15;position:relative;z-index:1}.tc-photo-title{color:hsla(0,0%,100%,.6);font-size:12px;font-weight:400;margin-top:3px}.tc-body{padding:22px}.tc-role-badge{align-items:center;background:var(--cream);border-radius:6px;color:var(--muted);display:inline-flex;font-size:10px;font-weight:700;letter-spacing:.1em;margin-bottom:14px;padding:4px 10px;text-transform:uppercase}.tc-bio{color:var(--muted);font-size:13px;font-weight:300;line-height:1.72;margin-bottom:16px}.tc-specialties{display:flex;flex-wrap:wrap;gap:6px;margin-bottom:16px}.tc-spec{background:var(--cream2);border-radius:6px;color:var(--mid);font-size:10px;font-weight:600;letter-spacing:.03em;padding:4px 9px}.tc-contact{display:flex;gap:8px}.tc-contact-btn{align-items:center;border-radius:8px;display:flex;flex:1;font-size:12px;font-weight:600;gap:6px;justify-content:center;padding:9px;text-decoration:none;transition:all .18s}.tc-contact-primary{background:var(--navy);color:var(--white)}.tc-contact-primary:hover{background:var(--navy2)}.tc-contact-secondary{background:var(--cream);border:1.5px solid var(--border-v2);color:var(--navy)}.tc-contact-secondary:hover{border-color:var(--navy)}.values-section{background:var(--navy);padding:80px 5%}.values-inner{margin:0 auto;max-width:1100px}.values-section .sec-tag{color:var(--gold)}.values-section .sec-tag:before{background:var(--gold)}.values-section h2.serif{color:var(--white)}.values-section h2.serif em{color:hsla(0,0%,100%,.4)}.values-grid{background:hsla(0,0%,100%,.07);border:1px solid hsla(0,0%,100%,.07);border-radius:var(--rl);display:grid;gap:1px;grid-template-columns:repeat(4,1fr);margin-top:52px;overflow:hidden}.val-card{background:var(--navy);padding:32px 26px;transition:background .2s}.val-card:hover{background:#111d33}.val-num{color:hsla(0,0%,100%,.07);font-family:var(--fs);font-size:40px;line-height:1;margin-bottom:16px}.val-icon{display:block;font-size:24px;margin-bottom:14px}.val-card h4{color:var(--white);font-size:15px;font-weight:600;margin-bottom:9px}.val-card p{color:hsla(0,0%,100%,.42);font-size:13px;font-weight:300;line-height:1.7}.stats-section{background:var(--cream);padding:72px 5%}.stats-inner{margin:0 auto;max-width:1100px}.stats-grid{background:var(--border-v2);border:1.5px solid var(--border-v2);border-radius:var(--rl);display:grid;gap:1px;grid-template-columns:repeat(4,1fr);overflow:hidden}.stat-item{background:var(--white);padding:36px 28px;text-align:center;transition:background .2s}.stat-item:hover{background:var(--cream)}.stat-num{color:var(--navy);display:block;font-family:var(--fs);font-size:44px;letter-spacing:-.5px;line-height:1}.stat-lbl{color:var(--muted);display:block;font-size:12px;font-weight:400;margin-top:8px}.reviews-section{background:var(--white)}.reviews-head{align-items:flex-end;display:flex;flex-wrap:wrap;gap:20px;justify-content:space-between;margin-bottom:48px}.g-badge{align-items:center;background:var(--white);border:1.5px solid var(--border-v2);border-radius:14px;box-shadow:var(--shadow);display:flex;gap:14px;padding:14px 20px}.g-logo{display:flex;font-size:20px;font-weight:700;letter-spacing:-1px}.g-logo span:first-child{color:#4285f4}.g-logo span:nth-child(2){color:#ea4335}.g-logo span:nth-child(3){color:#fbbc05}.g-logo span:nth-child(4){color:#4285f4}.g-logo span:nth-child(5){color:#34a853}.g-logo span:nth-child(6){color:#ea4335}.g-score-num{color:var(--navy);font-family:var(--fs);font-size:28px}.g-stars{color:#fbbc05;font-size:14px;letter-spacing:1px}.g-count{color:var(--muted);font-size:11px;font-weight:500}.reviews-grid{display:grid;gap:18px;grid-template-columns:repeat(3,1fr)}.rev-card{background:var(--white);border:1.5px solid var(--border-v2);border-radius:var(--rl);box-shadow:var(--shadow);padding:26px;transition:all .25s var(--ease)}.rev-card:hover{box-shadow:var(--shadowL);transform:translateY(-3px)}.rev-top{justify-content:space-between;margin-bottom:14px}.rev-author,.rev-top{align-items:center;display:flex}.rev-author{gap:10px}.rev-avatar{align-items:center;border-radius:50%;color:var(--white);display:flex;flex-shrink:0;height:38px;justify-content:center;width:38px}.rev-avatar,.rev-name{font-size:13px;font-weight:600}.rev-name{color:var(--navy)}.rev-date{color:var(--muted);font-size:11px}.rev-stars{color:#fbbc05;font-size:12px;letter-spacing:1px;margin-bottom:10px}.rev-text{color:var(--mid);font-size:13px;font-weight:300;line-height:1.7}.rev-badge{background:#e8f5e9;border-radius:5px;color:#1b5e20;font-size:10px;font-weight:600;margin-left:6px;padding:3px 8px}.reviews-cta{align-items:center;display:flex;flex-wrap:wrap;gap:14px;justify-content:center;margin-top:44px}.btn-review{align-items:center;background:var(--white);border:1.5px solid var(--border-v2);border-radius:9px;box-shadow:var(--shadow);color:var(--navy);display:inline-flex;font-size:13px;font-weight:600;gap:8px;padding:11px 22px;text-decoration:none;transition:all .2s}.btn-review:hover{border-color:var(--navy);transform:translateY(-1px)}.btn-leave-review{align-items:center;background:var(--navy);border:1.5px solid var(--navy);border-radius:9px;color:var(--white);display:inline-flex;font-size:13px;font-weight:600;gap:8px;padding:11px 22px;text-decoration:none;transition:all .2s}.btn-leave-review:hover{background:var(--navy2);transform:translateY(-1px)}.community-section{background:var(--navy);padding:80px 5%}.community-inner{margin:0 auto;max-width:1100px}.community-section .sec-tag{color:var(--gold)}.community-section .sec-tag:before{background:var(--gold)}.community-section h2.serif{color:var(--white)}.community-section h2.serif em{color:hsla(0,0%,100%,.45)}.community-section .sec-intro{color:hsla(0,0%,100%,.4)}.community-intro-text{color:hsla(0,0%,100%,.5);font-size:15px;font-weight:300;line-height:1.8;margin-bottom:52px;margin-top:20px;max-width:660px}.sponsor-cards{background:hsla(0,0%,100%,.07);border:1px solid hsla(0,0%,100%,.07);border-radius:var(--rl);display:grid;gap:1px;grid-template-columns:repeat(3,1fr);overflow:hidden}.sp-card{background:var(--navy);display:flex;flex-direction:column;gap:12px;padding:36px 30px;text-decoration:none;transition:background .22s}.sp-card:hover{background:#111d33}.sp-name{color:var(--white);font-family:var(--fs);font-size:22px;font-weight:400;letter-spacing:-.2px}.sp-full{color:hsla(0,0%,100%,.35);font-size:12px;font-weight:400;margin-top:2px}.sp-desc{color:hsla(0,0%,100%,.42);flex:1;font-size:13px;font-weight:300;line-height:1.7}.sp-tag{align-items:center;border:1px solid hsla(0,0%,100%,.1);border-radius:6px;color:hsla(0,0%,100%,.3);display:inline-flex;font-size:10px;font-weight:600;gap:5px;letter-spacing:.1em;padding:4px 10px;text-transform:uppercase;transition:all .2s;width:-moz-fit-content;width:fit-content}.sp-card:hover .sp-tag{border-color:rgba(201,151,42,.3);color:var(--gold)}.contact-section{background:var(--cream);padding:80px 5%}.contact-inner{align-items:start;display:grid;gap:64px;grid-template-columns:1fr 1fr;margin:0 auto;max-width:1100px}.contact-left h2.serif{margin-bottom:16px}.contact-left p{color:var(--muted);font-size:14px;font-weight:300;line-height:1.78;margin-bottom:32px}.contact-methods{display:flex;flex-direction:column;gap:12px}.contact-method{align-items:center;background:var(--white);border:1.5px solid var(--border-v2);border-radius:var(--r);display:flex;gap:14px;padding:16px 18px;text-decoration:none;transition:all .2s}.contact-method:hover{border-color:var(--navy);transform:translateX(3px)}.cm-icon{align-items:center;background:var(--cream);border-radius:9px;display:flex;flex-shrink:0;font-size:18px;height:40px;justify-content:center;transition:background .2s;width:40px}.contact-method:hover .cm-icon{background:var(--cream2)}.cm-label{color:var(--muted);font-size:11px;font-weight:600;letter-spacing:.08em;margin-bottom:3px;text-transform:uppercase}.cm-value{color:var(--navy);font-size:14px;font-weight:500}.cm-arrow{color:var(--muted);flex-shrink:0;margin-left:auto;transition:transform .2s}.contact-method:hover .cm-arrow{color:var(--navy);transform:translateX(3px)}.contact-right{background:var(--white);border:1.5px solid var(--border-v2);border-radius:var(--rl);padding:36px}.contact-form-title{color:var(--navy);font-family:var(--fs);font-size:22px;margin-bottom:22px}.fta{min-height:90px}.fsub{align-items:center;background:var(--navy);border:none;border-radius:10px;color:var(--white);cursor:pointer;display:flex;font-family:var(--fb);font-size:14px;font-weight:600;gap:8px;justify-content:center;margin-top:4px;padding:14px;transition:all .2s;width:100%}.fsub:hover{background:var(--navy2)}.fdis{margin-top:8px}.form-ty{min-height:260px;padding:40px}.ty-icon{background:var(--navy);height:52px;margin:0 auto 14px;width:52px}.form-ty h4{font-size:26px}.form-ty p{font-size:13px}@media(max-width:1024px){.hero-band{grid-template-columns:1fr}.hb-left{border-bottom:1px solid var(--border-v2);border-right:none;padding-bottom:40px;padding-right:0}.hb-right{padding-left:0;padding-top:40px}.brands-grid,.story-grid{grid-template-columns:1fr}.reviews-grid,.stats-grid,.team-grid,.values-grid{grid-template-columns:1fr 1fr}.contact-inner,.sponsor-cards{grid-template-columns:1fr}.footer-top{grid-template-columns:1fr 1fr}.nav-links{display:none}}@media(max-width:640px){.team-grid,.values-grid{grid-template-columns:1fr}.stats-grid{grid-template-columns:1fr 1fr}.footer-top,.form-grid,.reviews-grid{grid-template-columns:1fr}}:root{--navy:#0d1f3c;--navy2:#162d54;--gold:#c9972a;--gold2:#e8b84b;--cream:#f7f4ee;--cream2:#ede8df;--cream3:#e5ded3;--white:#fff;--text:#0d1f3c;--mid:#3d5278;--muted:#7a8fad;--border-v2:#e2dedd;--fs:"DM Serif Display",Georgia,serif;--fb:"DM Sans",system-ui,sans-serif;--ease:cubic-bezier(.4,0,.2,1);--r:12px;--rl:20px;--shadow:0 4px 24px rgba(13,31,60,.08);--shadowL:0 16px 56px rgba(13,31,60,.13)}.logo{gap:11px;text-decoration:none}.logo,.logo-icon{align-items:center;display:flex}.logo-icon{background:var(--navy);border-radius:8px;flex-shrink:0;height:36px;justify-content:center;width:36px}.logo-icon svg{height:18px;width:18px}.logo-name{color:var(--navy);font-family:var(--fs);font-size:18px;line-height:1}.logo-name span{color:var(--gold)}.logo-sub{color:var(--muted);font-size:9px;font-weight:600;letter-spacing:.14em;margin-top:2px;text-transform:uppercase}.nav-links{align-items:center;display:flex;gap:2px;list-style:none}.nav-links>li{position:relative}.nav-links>li>a{align-items:center;border-radius:8px;color:var(--mid);display:flex;font-size:13px;font-weight:500;gap:5px;padding:7px 12px;text-decoration:none;transition:all .18s;white-space:nowrap}.nav-links>li.open>a,.nav-links>li>a.active,.nav-links>li>a:hover{background:var(--cream);color:var(--navy)}.nav-links>li>a .chev{height:14px;opacity:.5;transition:transform .2s;width:14px}.nav-links>li.open>a .chev{transform:rotate(180deg)}.nav-drop{background:var(--white);border:1.5px solid var(--border-v2);border-radius:16px;box-shadow:0 20px 60px rgba(13,31,60,.13);left:0;min-width:260px;opacity:0;padding:8px;position:absolute;top:calc(100% + 8px);transform:translateY(-6px);transition:all .2s var(--ease);visibility:hidden;z-index:400}.nav-links>li.open .nav-drop{opacity:1;transform:translateY(0);visibility:visible}.nav-drop-section{padding:6px 4px 2px}.nav-drop-label{color:var(--muted);font-size:9px;font-weight:700;letter-spacing:.16em;margin-bottom:2px;padding:4px 10px;text-transform:uppercase}.nav-drop a{align-items:center;border-radius:10px;color:var(--mid);display:flex;font-size:13px;gap:10px;padding:10px 12px;text-decoration:none;transition:all .15s}.nav-drop a:hover{background:var(--cream);color:var(--navy)}.nav-drop a .di{align-items:center;background:var(--cream2);border-radius:7px;display:flex;flex-shrink:0;font-size:14px;height:30px;justify-content:center;width:30px}.nav-drop a:hover .di{background:var(--cream3)}.nav-drop a .dt-name{color:var(--navy);font-size:13px;font-weight:500;line-height:1.2}.nav-drop a .dt-sub{color:var(--muted);font-size:11px;margin-top:1px}.nav-drop-divider{background:var(--border-v2);height:1px;margin:6px 8px}.nav-btns{align-items:center;display:flex;gap:8px}.nbtn{border:1.5px solid;border-radius:9px;font-family:var(--fb);font-size:13px;font-weight:600;padding:9px 18px;text-decoration:none;transition:all .2s;white-space:nowrap}.nbtn-gold{align-items:center;background:var(--gold);border-color:var(--gold);color:var(--navy);display:flex;gap:7px}.nbtn-gold:hover{background:var(--gold2);transform:translateY(-1px)}.page-hero{background:var(--navy);overflow:hidden;padding:120px 5% 72px;position:relative}.page-hero:before{background:radial-gradient(circle,rgba(201,151,42,.1) 0,transparent 70%);height:480px;right:-80px;top:-100px;width:480px}.page-hero:after,.page-hero:before{border-radius:50%;content:"";pointer-events:none;position:absolute}.page-hero:after{background:radial-gradient(circle,rgba(201,151,42,.06) 0,transparent 70%);bottom:-80px;height:340px;left:-60px;width:340px}.hero-inner{margin:0 auto;max-width:1100px;position:relative;z-index:1}.ph-breadcrumb{align-items:center;color:hsla(0,0%,100%,.3);display:flex;font-size:11px;gap:6px;margin-bottom:16px}.ph-breadcrumb a{color:hsla(0,0%,100%,.3);text-decoration:none}.ph-breadcrumb a:hover{color:hsla(0,0%,100%,.6)}.ph-breadcrumb span{color:hsla(0,0%,100%,.15)}.sec-tag{align-items:center;color:var(--gold);display:inline-flex;font-size:10px;font-weight:700;gap:8px;letter-spacing:.18em;margin-bottom:14px;text-transform:uppercase}.sec-tag:before{background:var(--gold);content:"";height:1.5px;width:18px}h1.serif{color:var(--white);font-family:var(--fs);font-size:clamp(34px,4.2vw,54px);font-weight:400;letter-spacing:-.5px;line-height:1.07}h1.serif em{font-style:italic}.ph-desc,h1.serif em{color:hsla(0,0%,100%,.5)}.ph-desc{font-size:15px;font-weight:300;line-height:1.78;margin-top:14px;max-width:520px}.quick-strip{display:flex;flex-wrap:wrap;gap:12px;margin-top:44px}.qs-item{align-items:center;background:hsla(0,0%,100%,.06);border:1px solid hsla(0,0%,100%,.1);border-radius:12px;display:flex;flex:1;gap:10px;min-width:200px;padding:14px 18px;text-decoration:none;transition:all .2s var(--ease)}.qs-item:hover{background:hsla(0,0%,100%,.1);transform:translateY(-2px)}.qs-icon{align-items:center;border-radius:9px;display:flex;flex-shrink:0;font-size:17px;height:36px;justify-content:center;width:36px}.qs-label{color:hsla(0,0%,100%,.35);font-size:10px;font-weight:600;letter-spacing:.1em;margin-bottom:3px;text-transform:uppercase}.qs-value{color:var(--white);font-size:14px;font-weight:500}.qs-item-gold .qs-icon{background:var(--gold)}.response-bar{align-items:center;color:hsla(0,0%,100%,.4);display:flex;font-size:13px;gap:8px;margin-top:28px}.rb-dot{animation:pulse 2s infinite;background:#4ade80;border-radius:50%;flex-shrink:0;height:7px;width:7px}@keyframes pulse{0%,to{opacity:1;transform:scale(1)}50%{opacity:.6;transform:scale(1.2)}}.route-section{background:var(--cream);padding:72px 5%}.route-inner{margin:0 auto;max-width:1100px}.route-grid{display:grid;gap:20px;grid-template-columns:1fr 1fr 1fr;margin-top:48px}.route-card{background:var(--white);border:1.5px solid var(--border-v2);border-radius:var(--rl);color:inherit;cursor:pointer;display:flex;flex-direction:column;gap:14px;padding:32px 28px;text-decoration:none;transition:all .25s var(--ease)}.route-card:hover{box-shadow:var(--shadowL);transform:translateY(-4px)}.route-card.active-route,.route-card:focus{background:var(--navy);border-color:var(--navy)}.rc-icon{font-size:28px}.rc-tag{color:var(--muted);font-size:10px;font-weight:700;letter-spacing:.12em;text-transform:uppercase}.rc-tag,.rc-title{transition:color .2s}.rc-title{color:var(--navy);font-family:var(--fs);font-size:22px;line-height:1.15}.rc-desc{color:var(--muted);flex:1;font-size:13px;font-weight:300;line-height:1.65;transition:color .2s}.rc-arrow{align-items:center;color:var(--navy);display:flex;font-size:13px;font-weight:700;gap:6px;letter-spacing:.06em;text-transform:uppercase;transition:all .2s}.rc-arrow svg{transition:transform .2s}.route-card:hover .rc-arrow svg{transform:translateX(4px)}.route-card.active-route .rc-arrow,.route-card.active-route .rc-desc,.route-card.active-route .rc-tag,.route-card.active-route .rc-title{color:var(--white)}.route-card.active-route .rc-desc{color:hsla(0,0%,100%,.55)}.route-card.active-route .rc-arrow{color:var(--gold2)}.contact-main{background:var(--cream);padding:0 5% 80px}.contact-layout{align-items:start;display:grid;gap:40px;grid-template-columns:1fr 420px;margin:0 auto;max-width:1100px}.form-panel{background:var(--white);border:1.5px solid var(--border-v2);border-radius:24px;overflow:hidden}.form-tabs{background:var(--cream2);display:flex;gap:4px;padding:6px}.ftab{background:transparent;border:none;border-radius:9px;color:var(--muted);cursor:pointer;flex:1;font-family:var(--fb);font-size:13px;font-weight:500;padding:10px 16px;text-align:center;transition:all .2s}.ftab.active{background:var(--white);box-shadow:0 1px 4px rgba(13,31,60,.08);color:var(--navy);font-weight:600}.form-body{padding:36px}.form-pane{display:none}.form-pane.active{display:block}.fp-title{color:var(--navy);font-family:var(--fs);font-size:22px;margin-bottom:6px}.fp-sub{color:var(--muted);font-size:13px;font-weight:300;line-height:1.6;margin-bottom:24px}.form-grid{display:grid;gap:11px;grid-template-columns:1fr 1fr;margin-bottom:11px}.ff{display:flex;flex-direction:column;gap:5px}.ff.full{grid-column:1/-1}.fl{color:var(--muted);font-size:10px;font-weight:700;letter-spacing:.1em;text-transform:uppercase}.fi,.fsel{background:var(--cream);border:1.5px solid var(--border-v2);border-radius:9px;color:var(--text);font-family:var(--fb);font-size:13px;outline:none;padding:11px 13px;transition:all .18s}.fi:focus,.fsel:focus{background:var(--white);border-color:var(--navy)}.fi::-moz-placeholder{color:var(--muted)}.fi::placeholder{color:var(--muted)}.fsel{-webkit-appearance:none;color:var(--mid);cursor:pointer}.fta{background:var(--cream);border:1.5px solid var(--border-v2);border-radius:9px;color:var(--text);font-family:var(--fb);font-size:13px;min-height:88px;outline:none;padding:11px 13px;resize:vertical;transition:border-color .18s;width:100%}.fta:focus{background:var(--white);border-color:var(--navy)}.fta::-moz-placeholder{color:var(--muted)}.fta::placeholder{color:var(--muted)}.fsub-m{align-items:center;background:var(--navy);border:none;border-radius:10px;color:var(--white);cursor:pointer;display:flex;font-family:var(--fb);font-size:14px;font-weight:600;gap:8px;justify-content:center;margin-top:6px;padding:14px;transition:all .2s;width:100%}.fsub-m:hover{background:var(--navy2);transform:translateY(-1px)}.fsub-gold{background:var(--gold);color:var(--navy)}.fsub-gold:hover{background:var(--gold2);color:var(--navy)}.fdis{color:var(--muted);font-size:11px;line-height:1.6;margin-top:9px}.fdis,.form-ty{text-align:center}.form-ty{display:none;flex-direction:column;min-height:320px;padding:56px 36px}.form-ty,.ty-icon{align-items:center;justify-content:center}.ty-icon{border-radius:50%;display:flex;height:56px;margin:0 auto 16px;width:56px}.form-ty h4{color:var(--navy);font-family:var(--fs);font-size:28px;margin-bottom:8px}.form-ty p{color:var(--muted);font-size:14px;font-weight:300;line-height:1.7;max-width:320px}.form-ty-action{align-items:center;border-bottom:1px solid var(--border-v2);color:var(--navy);display:inline-flex;font-size:13px;font-weight:600;gap:7px;margin-top:20px;padding-bottom:2px;text-decoration:none}.schedule-options{display:flex;flex-direction:column;gap:12px;margin-bottom:20px}.schedule-opt{align-items:center;border:1.5px solid var(--border-v2);border-radius:12px;color:inherit;cursor:pointer;display:flex;gap:14px;padding:16px 18px;text-decoration:none;transition:all .2s}.schedule-opt:hover{background:var(--cream);border-color:var(--navy)}.so-icon{align-items:center;background:var(--cream);border-radius:10px;display:flex;flex-shrink:0;font-size:20px;height:42px;justify-content:center;transition:background .2s;width:42px}.schedule-opt:hover .so-icon{background:var(--cream2)}.so-title{color:var(--navy);font-size:14px;font-weight:600;margin-bottom:3px}.so-desc{color:var(--muted);font-size:12px;font-weight:300}.so-badge{border-radius:6px;flex-shrink:0;font-size:10px;font-weight:600;letter-spacing:.06em;margin-left:auto;padding:4px 10px;text-transform:uppercase}.badge-fast{background:#dcfce7;color:#15803d}.badge-flex{background:#eef2ff;color:#4338ca}.badge-live{background:#fff7ed;color:#c2410c}.contact-sidebar{display:flex;flex-direction:column;gap:18px;position:sticky;top:92px}.office-card{background:var(--white);border:1.5px solid var(--border-v2);border-radius:var(--rl);overflow:hidden}.office-map{align-items:center;background:var(--navy2);display:flex;height:180px;justify-content:center;overflow:hidden;position:relative}.office-map iframe{border:none;display:block;height:100%;width:100%}.office-map-placeholder{align-items:center;background:linear-gradient(135deg,#0d1f3c,#162d54);display:flex;flex-direction:column;gap:8px;inset:0;justify-content:center;position:absolute}.omp-pin{font-size:32px}.omp-label{color:hsla(0,0%,100%,.6);font-size:12px;font-weight:500;line-height:1.5;padding:0 20px;text-align:center}.office-body{padding:22px}.office-name{color:var(--navy);font-family:var(--fs);font-size:17px;margin-bottom:14px}.office-details{display:flex;flex-direction:column;gap:10px}.od-row{align-items:flex-start;color:var(--mid);gap:10px}.od-icon,.od-row{display:flex;font-size:13px}.od-icon{align-items:center;background:var(--cream);border-radius:7px;flex-shrink:0;height:28px;justify-content:center;margin-top:1px;width:28px}.od-label{color:var(--muted);font-size:10px;font-weight:600;letter-spacing:.08em;margin-bottom:2px;text-transform:uppercase}.od-value{color:var(--navy);font-weight:400}.od-link{color:var(--navy);font-weight:500;text-decoration:none;transition:color .2s}.od-link:hover{color:var(--gold)}.hours-card{background:var(--white);border:1.5px solid var(--border-v2);border-radius:var(--rl);padding:22px}.hours-title{color:var(--navy);font-family:var(--fs);font-size:17px;margin-bottom:16px}.hours-row{align-items:center;border-bottom:1px solid var(--cream2);display:flex;font-size:13px;justify-content:space-between;padding:9px 0}.hours-row:last-child{border:none;padding-bottom:0}.hours-row:first-child{padding-top:0}.hours-day{color:var(--muted);font-weight:400}.hours-time{color:var(--navy);font-weight:500}.hours-closed,.hours-note{color:var(--muted);font-style:italic}.hours-note{font-size:11px;line-height:1.6;margin-top:12px}.social-card-sm{background:var(--white);border:1.5px solid var(--border-v2);border-radius:var(--rl);padding:22px}.sc-title{color:var(--navy);font-family:var(--fs);font-size:17px;margin-bottom:14px}.sc-links{display:flex;flex-direction:column;gap:8px}.sc-link{align-items:center;border:1.5px solid var(--border-v2);border-radius:10px;display:flex;gap:10px;padding:10px 12px;text-decoration:none;transition:all .2s}.sc-link:hover{background:var(--cream);border-color:var(--navy)}.sc-link-icon{align-items:center;border-radius:7px;display:flex;flex-shrink:0;font-size:15px;height:30px;justify-content:center;width:30px}.sc-link-name{color:var(--navy);font-size:13px;font-weight:500}.sc-link-handle{color:var(--muted);font-size:11px}.promise-card{background:var(--navy);border-radius:var(--rl);padding:22px}.promise-title{color:var(--white);font-family:var(--fs);font-size:17px;margin-bottom:14px}.promise-items{display:flex;flex-direction:column;gap:10px}.promise-item{align-items:flex-start;color:hsla(0,0%,100%,.5);display:flex;font-size:13px;font-weight:300;gap:10px;line-height:1.5}.pi-check{align-items:center;background:rgba(201,151,42,.2);border-radius:4px;color:var(--gold2);display:flex;flex-shrink:0;font-size:10px;height:18px;justify-content:center;margin-top:1px;width:18px}.faq-section{background:var(--white);padding:80px 5%}.faq-inner{display:grid;gap:48px;grid-template-columns:1fr 1fr;margin:0 auto;max-width:1100px}.faq-left h2.serif{margin-bottom:14px}.faq-left p{color:var(--muted);font-size:14px;font-weight:300;line-height:1.75;margin-bottom:32px}.faq-ctas{display:flex;flex-direction:column;gap:10px}.faq-cta-item{align-items:center;background:var(--cream);border:1.5px solid var(--border-v2);border-radius:10px;display:flex;gap:12px;padding:14px 16px;text-decoration:none;transition:all .2s}.faq-cta-item:hover{border-color:var(--navy);transform:translateX(3px)}.fci-icon{align-items:center;background:var(--white);border-radius:8px;display:flex;flex-shrink:0;font-size:16px;height:36px;justify-content:center;width:36px}.fci-text{color:var(--navy);font-size:13px;font-weight:500}.fci-sub{color:var(--muted);font-size:11px}.faq-item{border-bottom:1px solid var(--border-v2);overflow:hidden}.faq-q{align-items:center;background:none;border:none;color:var(--navy);cursor:pointer;display:flex;font-family:var(--fb);font-size:14px;font-weight:500;gap:12px;justify-content:space-between;padding:18px 0;text-align:left;transition:color .18s;width:100%}.faq-q:hover{color:var(--gold)}.faq-icon{align-items:center;border:1.5px solid var(--border-v2);border-radius:50%;color:var(--muted);display:flex;flex-shrink:0;font-size:14px;height:20px;justify-content:center;transition:all .2s;width:20px}.faq-item.open .faq-icon{background:var(--navy);border-color:var(--navy);color:var(--white);transform:rotate(45deg)}.faq-a{max-height:0;overflow:hidden;transition:max-height .35s var(--ease)}.faq-item.open .faq-a{max-height:180px}.faq-a-inner{color:var(--muted);font-size:13px;font-weight:300;line-height:1.72;padding-bottom:18px}.trust-bar{background:var(--cream);border-bottom:1px solid var(--border-v2);border-top:1px solid var(--border-v2);flex-wrap:wrap;gap:32px;justify-content:center;padding:20px 5%}.ti,.trust-bar{align-items:center;display:flex}.ti{gap:7px}.ti-icon{align-items:center;background:var(--white);border:1px solid var(--border-v2);border-radius:7px;display:flex;flex-shrink:0;font-size:13px;height:28px;justify-content:center;width:28px}.ti-text{color:var(--mid);font-size:11px;font-weight:600;letter-spacing:.03em}footer{background:var(--navy);border-top:1px solid hsla(0,0%,100%,.06);padding:64px 5% 32px}.footer-top{border-bottom:1px solid hsla(0,0%,100%,.07);display:grid;gap:52px;grid-template-columns:2fr 1fr 1fr 1fr;margin-bottom:28px;padding-bottom:52px}.fl-logo{gap:10px;margin-bottom:14px;text-decoration:none}.fl-logo,.fl-logo-icon{align-items:center;display:flex}.fl-logo-icon{background:hsla(0,0%,100%,.08);border-radius:7px;height:30px;justify-content:center;width:30px}.fl-logo-name{color:var(--white);font-family:var(--fs);font-size:17px}.fl-logo-name span{color:var(--gold)}.fl-desc{color:hsla(0,0%,100%,.3);line-height:1.78;margin-bottom:20px;max-width:220px}.fl-contacts a,.fl-desc{font-size:12px;font-weight:300}.fl-contacts a{color:hsla(0,0%,100%,.45);display:block;margin-bottom:7px;text-decoration:none;transition:color .2s}.fl-contacts a:hover{color:var(--white)}.fc h5{color:hsla(0,0%,100%,.22);font-size:10px;font-weight:700;letter-spacing:.16em;margin-bottom:16px;text-transform:uppercase}.fc a{color:hsla(0,0%,100%,.42);display:block;font-size:12px;font-weight:300;margin-bottom:9px;text-decoration:none;transition:color .2s}.fc a:hover{color:var(--white)}.footer-bottom{align-items:center;display:flex;flex-wrap:wrap;gap:10px;justify-content:space-between}.footer-bottom p{color:hsla(0,0%,100%,.2);font-size:11px}.fsra-badge{border:1px solid hsla(0,0%,100%,.1);border-radius:6px;color:hsla(0,0%,100%,.2);font-size:10px;font-weight:600;letter-spacing:.1em;padding:5px 11px;text-transform:uppercase}@media(max-width:1024px){.quick-strip{flex-direction:column}.qs-item{min-width:auto}.contact-layout{grid-template-columns:1fr}.contact-sidebar{position:static}.faq-inner,.route-grid{grid-template-columns:1fr}.footer-top{grid-template-columns:1fr 1fr}.nav-links{display:none}}@media(max-width:640px){.footer-top,.form-grid{grid-template-columns:1fr}.trust-bar{gap:16px}}