@layer properties{@supports (((-webkit-hyphens:none)) and (not (margin-trim:inline))) or ((-moz-orient:inline) and (not (color:rgb(from red r g b)))){*,:before,:after,::backdrop{--tw-rotate-x:initial;--tw-rotate-y:initial;--tw-rotate-z:initial;--tw-skew-x:initial;--tw-skew-y:initial;--tw-ease:initial}}}@layer theme{:root,:host{--font-sans:ui-sans-serif, system-ui, sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji";--font-mono:ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, "Liberation Mono", "Courier New", monospace;--spacing:.25rem;--shadow-sm:0 1px 3px 0 #0000001a, 0 1px 2px -1px #0000001a;--shadow-lg:0 10px 15px -3px #0000001a, 0 4px 6px -4px #0000001a;--ease-out:cubic-bezier(0, 0, .2, 1);--default-transition-duration:.15s;--default-transition-timing-function:cubic-bezier(.4, 0, .2, 1);--default-font-family:var(--font-sans);--default-mono-font-family:var(--font-mono)}}@layer base{*,:after,:before,::backdrop{box-sizing:border-box;border:0 solid;margin:0;padding:0}::file-selector-button{box-sizing:border-box;border:0 solid;margin:0;padding:0}html,:host{-webkit-text-size-adjust:100%;tab-size:4;line-height:1.5;font-family:var(--default-font-family,ui-sans-serif, system-ui, sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji");font-feature-settings:var(--default-font-feature-settings,normal);font-variation-settings:var(--default-font-variation-settings,normal);-webkit-tap-highlight-color:transparent}hr{height:0;color:inherit;border-top-width:1px}abbr:where([title]){-webkit-text-decoration:underline dotted;text-decoration:underline dotted}h1,h2,h3,h4,h5,h6{font-size:inherit;font-weight:inherit}a{color:inherit;-webkit-text-decoration:inherit;text-decoration:inherit}b,strong{font-weight:bolder}code,kbd,samp,pre{font-family:var(--default-mono-font-family,ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, "Liberation Mono", "Courier New", monospace);font-feature-settings:var(--default-mono-font-feature-settings,normal);font-variation-settings:var(--default-mono-font-variation-settings,normal);font-size:1em}small{font-size:80%}sub,sup{vertical-align:baseline;font-size:75%;line-height:0;position:relative}sub{bottom:-.25em}sup{top:-.5em}table{text-indent:0;border-color:inherit;border-collapse:collapse}:-moz-focusring{outline:auto}progress{vertical-align:baseline}summary{display:list-item}ol,ul,menu{list-style:none}img,svg,video,canvas,audio,iframe,embed,object{vertical-align:middle;display:block}img,video{max-width:100%;height:auto}button,input,select,optgroup,textarea{font:inherit;font-feature-settings:inherit;font-variation-settings:inherit;letter-spacing:inherit;color:inherit;opacity:1;background-color:#0000;border-radius:0}::file-selector-button{font:inherit;font-feature-settings:inherit;font-variation-settings:inherit;letter-spacing:inherit;color:inherit;opacity:1;background-color:#0000;border-radius:0}:where(select:is([multiple],[size])) optgroup{font-weight:bolder}:where(select:is([multiple],[size])) optgroup option{padding-inline-start:20px}::file-selector-button{margin-inline-end:4px}::placeholder{opacity:1}@supports (not ((-webkit-appearance:-apple-pay-button))) or (contain-intrinsic-size:1px){::placeholder{color:currentColor}@supports (color:color-mix(in lab,red,red)){::placeholder{color:color-mix(in oklab,currentcolor 50%,transparent)}}}textarea{resize:vertical}::-webkit-search-decoration{-webkit-appearance:none}::-webkit-date-and-time-value{min-height:1lh;text-align:inherit}::-webkit-datetime-edit{display:inline-flex}::-webkit-datetime-edit-fields-wrapper{padding:0}::-webkit-datetime-edit{padding-block:0}::-webkit-datetime-edit-year-field{padding-block:0}::-webkit-datetime-edit-month-field{padding-block:0}::-webkit-datetime-edit-day-field{padding-block:0}::-webkit-datetime-edit-hour-field{padding-block:0}::-webkit-datetime-edit-minute-field{padding-block:0}::-webkit-datetime-edit-second-field{padding-block:0}::-webkit-datetime-edit-millisecond-field{padding-block:0}::-webkit-datetime-edit-meridiem-field{padding-block:0}::-webkit-calendar-picker-indicator{line-height:1}:-moz-ui-invalid{box-shadow:none}button,input:where([type=button],[type=reset],[type=submit]){appearance:button}::file-selector-button{appearance:button}::-webkit-inner-spin-button{height:auto}::-webkit-outer-spin-button{height:auto}[hidden]:where(:not([hidden=until-found])){display:none!important}}@layer components;@layer utilities{.absolute{position:absolute}.fixed{position:fixed}.start{inset-inline-start:var(--spacing)}.block{display:block}.hidden{display:none}.shrink{flex-shrink:1}.transform{transform:var(--tw-rotate-x,) var(--tw-rotate-y,) var(--tw-rotate-z,) var(--tw-skew-x,) var(--tw-skew-y,)}.resize{resize:both}.italic{font-style:italic}.underline{text-decoration-line:underline}.transition{transition-property:color,background-color,border-color,outline-color,text-decoration-color,fill,stroke,--tw-gradient-from,--tw-gradient-via,--tw-gradient-to,opacity,box-shadow,transform,translate,scale,rotate,filter,-webkit-backdrop-filter,backdrop-filter,display,content-visibility,overlay,pointer-events;transition-timing-function:var(--tw-ease,var(--default-transition-timing-function));transition-duration:var(--tw-duration,var(--default-transition-duration))}.ease-out{--tw-ease:var(--ease-out);transition-timing-function:var(--ease-out)}}*,:before,:after{box-sizing:border-box;margin:0;padding:0}:root{--navy:#0a2540;--navy-2:#1f3a5f;--navy-3:#2c4e7a;--gold:#c8a96a;--gold-light:#dfc08a;--gold-pale:#faf6ee;--bg:#f8f9fb;--surface:#fff;--text-1:#0b1f33;--text-2:#2d3f53;--text-3:#5a6b7b;--border:#e5eaf0;--border-2:#d0d8e4;--green:#0e5c35;--green-bg:#f0f9f4;--green-border:#b8dcca;--red:#b42318;--radius:6px;--shadow-sm:0 1px 3px #0a254012;--shadow:0 2px 12px #0a254017;--shadow-lg:0 8px 40px #0a25401f;-webkit-font-smoothing:antialiased;font-family:Inter,-apple-system,BlinkMacSystemFont,Helvetica Neue,sans-serif;font-size:16px}body{background:var(--bg);color:var(--text-1);line-height:1.6;overflow-x:clip}html{overflow-x:clip}.root{flex-direction:column;min-height:100vh;display:flex}.site-header{background:var(--navy);padding:0}.header-inner{max-width:900px;margin:0 auto;padding:36px 32px 0}.header-logo-row{margin-bottom:28px}.logo-text{letter-spacing:.06em;text-transform:uppercase;color:var(--gold);font-size:13px;font-weight:700}.header-title-block{margin-bottom:36px}.site-title{color:#fff;letter-spacing:-.025em;margin-bottom:10px;font-size:clamp(26px,3.5vw,38px);font-weight:700;line-height:1.15}.site-sub{color:#ffffff8c;max-width:480px;font-size:16px;font-weight:400;line-height:1.5}.step-track{align-items:center;gap:0;display:flex}.step-item{color:#ffffff59;border-bottom:2px solid #0000;align-items:center;gap:8px;padding:14px 20px 14px 0;font-size:13px;font-weight:500;transition:all .2s;display:flex}.step-item.step-active{color:#fff;border-bottom-color:var(--gold)}.step-item.step-done{color:#ffffff8c}.step-num{background:#ffffff1f;border-radius:50%;flex-shrink:0;justify-content:center;align-items:center;width:20px;height:20px;font-size:11px;font-weight:700;display:flex}.step-item.step-active .step-num{background:var(--gold);color:var(--navy)}.step-item.step-done .step-num{background:#fff3}.step-connector{background:#ffffff26;width:32px;height:1px;margin:0 4px 2px}.page-main{background:var(--bg);flex:1;padding:48px 20px 64px}.form-wrap{flex-direction:column;gap:0;max-width:820px;margin:0 auto;display:flex}.form-intro{margin-bottom:24px}.form-step-label{letter-spacing:.08em;text-transform:uppercase;color:var(--gold);margin-bottom:12px;font-size:12px;font-weight:700}.form-heading{color:var(--text-1);letter-spacing:-.02em;margin-bottom:8px;font-size:clamp(20px,2.8vw,28px);font-weight:700;line-height:1.25}.form-subheading{color:var(--text-3);font-size:14px;font-weight:400}.form-section{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius);margin-bottom:1px;padding:20px 28px}.form-section:first-of-type{border-radius:var(--radius) var(--radius) 0 0}.form-section:last-of-type{border-radius:0 0 var(--radius) var(--radius);margin-bottom:0}.section-title{color:var(--text-1);letter-spacing:-.01em;margin-bottom:4px;font-size:15px;font-weight:600}.section-desc{color:var(--text-3);margin-bottom:20px;font-size:13px}.section-divider{height:0}.field-grid{gap:16px;display:grid}.field-grid.two-col{grid-template-columns:1fr 1fr;margin-top:12px}.field-grid.one-col{grid-template-columns:1fr;max-width:50%;margin-top:12px}.field{flex-direction:column;gap:5px;display:flex}.field-label{color:var(--text-2);letter-spacing:0;font-size:13px;font-weight:500}.req-mark{color:var(--red);font-weight:600}.input-wrap{align-items:center;display:flex;position:relative}.adorn{color:var(--text-3);pointer-events:none;-webkit-user-select:none;user-select:none;z-index:1;font-size:14px;font-weight:400;position:absolute}.adorn-pre{left:12px}.adorn-suf{right:12px}.field-input{border:1px solid var(--border-2);border-radius:var(--radius);width:100%;height:38px;color:var(--text-1);background:var(--surface);-moz-appearance:textfield;outline:none;padding:0 12px;font-family:inherit;font-size:15px;transition:border-color .15s,box-shadow .15s}.field-input::-webkit-inner-spin-button{-webkit-appearance:none}.field-input::-webkit-outer-spin-button{-webkit-appearance:none}.field-input.with-pre{padding-left:28px}.field-input.with-suf{padding-right:34px}.field-input:focus{border-color:var(--navy-2);box-shadow:0 0 0 3px #1f3a5f1f}.field-input::placeholder{color:#bec8d4}.field-hint{color:var(--text-3);font-size:12px;line-height:1.4}.form-footer{flex-direction:column;align-items:flex-start;gap:8px;margin-top:20px;display:flex}.missing-note{color:var(--text-3);font-size:13px}.primary-btn{background:var(--gold);width:100%;color:var(--navy);border-radius:var(--radius);cursor:pointer;letter-spacing:-.01em;border:none;justify-content:center;align-items:center;gap:10px;padding:16px 32px;font-family:inherit;font-size:16px;font-weight:700;transition:background .15s,box-shadow .15s,transform .15s;display:flex;box-shadow:0 4px 14px #c8a96a47}.primary-btn:hover:not(:disabled){background:var(--gold-light);transform:translateY(-1px);box-shadow:0 6px 20px #c8a96a61}.primary-btn:active:not(:disabled){background:var(--gold);box-shadow:none;transform:none}.primary-btn:disabled{color:#0a254073;opacity:1;cursor:not-allowed;box-shadow:none;background:#c8a96a61}.btn-arrow{font-size:17px;line-height:1}.form-speed-note{color:var(--text-3);letter-spacing:.01em;font-size:12px;font-weight:400}.form-micro-trust{color:var(--text-2);letter-spacing:.01em;font-size:13px;font-weight:400}.ny-notice{border:1px solid #c8a96a66;border-left:4px solid var(--gold,#c8a96a);text-align:left;background:#c8a96a12;border-radius:8px;margin-top:28px;padding:16px 20px}.ny-notice-title{letter-spacing:.04em;text-transform:uppercase;color:var(--text-1,#1b2b3a);margin:0 0 6px;font-size:13px;font-weight:700}.ny-notice-text{color:var(--text-2);margin:0;font-size:13.5px;line-height:1.65}.ny-notice-text a{color:inherit;font-weight:600;text-decoration:underline}.opt-toggle{cursor:pointer;color:var(--navy-2);letter-spacing:0;opacity:.75;background:0 0;border:none;margin-top:16px;padding:0;font-family:inherit;font-size:13px;font-weight:500;transition:opacity .15s}.opt-toggle:hover{opacity:1}.opt-fields{border-top:1px solid var(--border);margin-top:16px;padding-top:16px}.field:not(:has(.req-mark)) .field-label{color:var(--text-3)}.field:not(:has(.req-mark)) .field-input{border-color:var(--border);background:#fbfcfd}.results-wrap{flex-direction:column;gap:20px;max-width:920px;margin:0 auto;display:flex}.back-link{color:var(--text-3);cursor:pointer;background:0 0;border:none;padding:0;font-family:inherit;font-size:13px;font-weight:500;transition:color .15s;display:inline-block}.back-link:hover{color:var(--navy)}.results-context{color:var(--text-3);border-left:3px solid var(--gold);padding-left:12px;font-size:13px}.results-context strong{color:var(--text-2)}.hero-panel{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow-lg);overflow:hidden}.hero-incomes{grid-template-columns:1fr auto 1fr;display:grid}.income-col{flex-direction:column;gap:5px;padding:32px 28px;display:flex;position:relative}.current-col{background:var(--bg);border-right:1px solid var(--border)}.new-col{transform-origin:top;z-index:1;background:#faf9f7;border:1px solid #e0d9c8;border-top:3px solid #c8a96a;border-left:3px solid #c8a96a;padding-top:52px;transition:transform .2s,box-shadow .2s;position:relative;transform:scale(1.015);box-shadow:0 20px 52px #0a254026,0 4px 14px #0a254012,0 0 0 1px #c8a96a1f}.new-col:hover{transform:scale(1.015)translateY(-2px);box-shadow:0 26px 60px #0a25402e,0 6px 18px #0a254017}.col-label{letter-spacing:.09em;text-transform:uppercase;color:var(--text-3);margin-bottom:2px;font-size:11px;font-weight:700}.col-sublabel{color:var(--text-3);margin-bottom:8px;font-size:12px;font-weight:500}.income-val{letter-spacing:-.04em;font-variant-numeric:tabular-nums;margin-bottom:16px;font-size:clamp(34px,4.5vw,52px);font-weight:700;line-height:1}.cur-val{color:var(--text-1)}.new-val{color:var(--navy);letter-spacing:-.05em;font-weight:800}.col-details{border-top:1px solid var(--border);flex-direction:column;gap:6px;padding-top:12px;display:flex}.col-detail-row{justify-content:space-between;align-items:center;gap:8px;display:flex}.cd-label{color:var(--text-3);font-size:12px}.cd-value{color:var(--text-2);font-size:12px;font-weight:600}.new-col-micro{color:#6b8a5e;letter-spacing:.01em;margin-top:-10px;margin-bottom:4px;font-size:11px;font-weight:500}.better-pill{color:#8b6b2e;letter-spacing:.08em;text-transform:uppercase;white-space:nowrap;background:#f7f3ea;border:1px solid #c8a96a;border-radius:6px;padding:5px 10px;font-size:10px;font-weight:600;position:absolute;top:14px;right:14px;box-shadow:inset 0 1px #fff9}.gain-col{text-align:center;border-right:1px solid var(--border);border-left:1px solid var(--border);z-index:1;background:#fff;border-radius:8px;flex-direction:column;justify-content:center;align-items:center;gap:12px;min-width:220px;margin:-1px 0;padding:48px 24px;transition:transform .2s,box-shadow .2s;display:flex;position:relative;box-shadow:0 10px 30px #0a254014}.gain-col:hover{transform:translateY(-2px);box-shadow:0 16px 40px #0a25401f}@keyframes gainEnter{0%{opacity:0;transform:scale(.98)translateY(4px)}to{opacity:1;transform:scale(1)translateY(0)}}@keyframes goldGlow{0%{box-shadow:0 10px 30px #0a254014}40%{box-shadow:0 10px 30px #0a254014,0 0 0 5px #c8a96a1a,0 0 24px #c8a96a14}to{box-shadow:0 10px 30px #0a254014}}.gain-col-positive{animation:.3s ease-out both gainEnter,1.4s ease-out .28s both goldGlow}.gain-col-positive:after{content:"›";color:#c8a96a;opacity:.55;z-index:3;pointer-events:none;font-size:22px;line-height:1;position:absolute;top:50%;right:-13px;transform:translateY(-50%)}.gain-eyebrow{letter-spacing:.1em;text-transform:uppercase;color:var(--text-3);margin-bottom:-6px;font-size:10px;font-weight:700}.gain-annual{color:var(--navy);letter-spacing:-.04em;font-variant-numeric:tabular-nums;font-size:clamp(32px,4vw,52px);font-weight:800;line-height:1}.gain-more-label{letter-spacing:.06em;color:#5a6b7b;text-transform:uppercase;margin-top:-2px;font-size:11px;font-weight:700}.gain-more-total{margin-top:-4px}.gain-divider{background:#d4dce6;width:56%;height:1px;margin:18px 0 14px}.gain-total{color:var(--navy);font-variant-numeric:tabular-nums;letter-spacing:-.03em;font-size:clamp(22px,2.8vw,36px);font-weight:800;line-height:1}.gain-over{color:var(--text-3);font-size:12px;font-weight:400}.gain-positive-value{color:#0e6b3c!important}.gain-secondary-value{color:#3d8b69!important}@keyframes arrowFadeIn{0%{opacity:0;transform:translateY(4px)}to{opacity:1;transform:translateY(0)}}.gain-arrow{vertical-align:middle;margin-right:0;font-size:.37em;font-weight:800;animation:.5s ease-out .45s both arrowFadeIn;display:inline}.gain-negative{color:var(--red)!important}.gain-label-neg{opacity:.75;color:var(--red)!important}.new-col-neutral{background:var(--bg)!important;border-left:3px solid var(--border-2)!important}.panel-title-caution{color:#7a3c00}.why-list-caution,.why-list-caution .why-item{background:#fffbf5}.why-bullet-caution{background:#c8820a!important}.insight-bar{background:var(--gold-pale);color:var(--text-2);border-top:1px solid #c8a96a4d;padding:16px 28px;font-size:14px;line-height:1.6}.insight-bar strong{color:var(--navy);font-weight:600}.insight-bar-neutral{color:#5c3a00;background:#fff8f0;border-top-color:#c8820a40}.insight-bar-neutral strong{color:#7a3c00}.panel{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow-sm);padding:28px 32px}.panel-title{color:var(--text-1);letter-spacing:-.015em;margin-bottom:20px;font-size:17px;font-weight:600}.panel-desc{color:var(--text-3);margin-top:2px;font-size:13px}.panel-header-row{justify-content:space-between;align-items:flex-start;gap:16px;margin-bottom:20px;display:flex}.why-grid{grid-template-columns:repeat(3,1fr);gap:24px;display:grid}.why-block{background:var(--bg);border:1px solid var(--border);border-radius:10px;flex-direction:column;gap:7px;padding:22px 24px;transition:box-shadow .18s,transform .18s;display:flex;box-shadow:0 2px 8px #0000000f,0 1px 2px #0000000a}.why-block:hover{transform:translateY(-2px);box-shadow:0 8px 28px #0a25401c,0 2px 6px #0a25400f}.why-icon{color:#a8893a;margin-bottom:6px;font-size:22px;font-weight:700;line-height:1}.why-block-title{color:var(--navy);letter-spacing:-.01em;font-size:14px;font-weight:700;line-height:1.3}.why-block-desc{color:var(--text-3);font-size:13px;font-weight:400;line-height:1.6}.why-block-desc strong{color:var(--navy);font-weight:700}.infotip{vertical-align:middle;align-items:center;margin-left:5px;display:inline-flex;position:relative;top:-1px}.infotip-btn{color:var(--text-3);cursor:pointer;opacity:.75;background:0 0;border:none;border-radius:50%;justify-content:center;align-items:center;margin:0;padding:0;line-height:0;transition:color .16s,opacity .16s;display:inline-flex}.infotip-btn:hover,.infotip-btn:focus-visible{color:var(--navy);opacity:1;outline:none}.infotip-pop{background:var(--navy);color:#fff;letter-spacing:0;text-transform:none;text-align:left;white-space:normal;pointer-events:none;z-index:1000;border-radius:8px;width:max-content;max-width:min(280px,100vw - 24px);padding:11px 13px;font-size:12.5px;font-weight:400;line-height:1.55;animation:.14s infotip-fade;position:fixed;box-shadow:0 12px 32px #0a25404d}.infotip-pop--top{transform:translate(-50%,calc(-100% - 10px))}.infotip-pop--bottom{transform:translate(-50%,10px)}.infotip-pop:after{content:"";border:6px solid #0000;position:absolute;left:50%;transform:translate(-50%)}.infotip-pop--top:after{border-top-color:var(--navy);top:100%}.infotip-pop--bottom:after{border-bottom-color:var(--navy);bottom:100%}@keyframes infotip-fade{0%{opacity:0}to{opacity:1}}.why-block-caution .why-icon{color:#c8820a}.why-icon-caution{color:#c8820a!important}.year-select{border:1px solid var(--border-2);border-radius:var(--radius);color:var(--text-2);background:var(--surface);cursor:pointer;outline:none;padding:7px 12px;font-family:inherit;font-size:13px}.year-select:focus{border-color:var(--navy-2)}.table-scroll{border:1px solid var(--border);border-radius:var(--radius);margin-bottom:0;overflow-x:auto}.proj-table{border-collapse:collapse;width:100%;font-size:14px}.proj-table thead th{background:var(--navy-2);color:#ffffffa6;text-align:right;letter-spacing:.06em;text-transform:uppercase;white-space:nowrap;padding:13px 16px;font-size:11px;font-weight:500}.th-yr{width:56px;text-align:center!important}.th-cur,.th-new{color:#ffffffa6!important}.proj-table tbody tr{border-bottom:1px solid var(--border);height:48px;transition:background .1s}.proj-table tbody tr:last-child{border-bottom:none}.proj-table tbody tr:hover{background:var(--bg)}.proj-table td{text-align:right;color:var(--text-2);font-variant-numeric:tabular-nums;padding:11px 16px}.td-yr{font-weight:600;text-align:center!important;color:var(--text-1)!important}.td-new{font-weight:500;color:var(--green)!important}.td-diff{font-weight:600}.pos{color:var(--green)!important}.neg{color:var(--red)!important}.totals-row{background:var(--gold-pale)!important;border-top:1px solid #c8a96a66!important}.totals-row td{font-weight:700!important}.expand-btn{text-align:center;width:100%;color:var(--navy-2);background:var(--bg);border:none;border-top:1px solid var(--border);cursor:pointer;margin-top:0;padding:12px;font-family:inherit;font-size:13px;font-weight:500;transition:background .15s;display:block}.expand-btn:hover{background:#edf1f6}.totals-strip{grid-template-columns:1fr 1fr 1fr;gap:12px;margin-top:16px;display:grid}.total-chip{border-radius:var(--radius);border:1px solid var(--border);background:var(--bg);flex-direction:column;gap:4px;padding:14px 16px;display:flex}.chip-highlight,.chip-new{background:var(--green-bg);border-color:var(--green-border)}.chip-label{text-transform:uppercase;letter-spacing:.07em;color:var(--text-3);font-size:11px;font-weight:600}.chip-value{color:var(--text-1);letter-spacing:-.025em;font-variant-numeric:tabular-nums;font-size:20px;font-weight:700}.chip-highlight .chip-value,.chip-new .chip-value{color:var(--green)}.cta-panel{background:var(--navy);border-radius:var(--radius);overflow:hidden}.cta-inner{padding:52px 48px}.cta-label{letter-spacing:.1em;text-transform:uppercase;color:var(--gold);margin-bottom:12px;font-size:11px;font-weight:700}.cta-urgency{color:#fff;letter-spacing:-.03em;margin-bottom:4px;font-size:clamp(20px,2.8vw,28px);font-weight:800;line-height:1.2}.cta-heading{color:#ffffffa6;letter-spacing:.01em;max-width:560px;margin-bottom:16px;font-size:clamp(13px,1.5vw,15px);font-weight:500;line-height:1.4}.cta-sub{color:#ffffff8c;max-width:480px;margin-bottom:24px;font-size:14px;line-height:1.6}.cta-btn{background:var(--gold);color:var(--navy);border-radius:var(--radius);align-items:center;gap:6px;padding:18px 32px;font-size:16px;font-weight:700;text-decoration:none;transition:all .2s;display:inline-flex;box-shadow:0 4px 14px #c8a96a38}.cta-btn:hover{background:var(--gold-light);transform:translateY(-1px);box-shadow:0 6px 18px #c8a96a4d}.cta-urgency-note{color:#ffffff94;margin-bottom:22px;font-size:13px;font-style:italic;line-height:1.5}.cta-trust{color:#ffffff9e;letter-spacing:.02em;margin-top:18px;font-size:13px}.chart-wrap{margin:20px 0 8px}.chart-legend{gap:20px;margin-bottom:16px;display:flex}.legend-item{color:var(--text-3);align-items:center;gap:7px;font-size:12px;font-weight:500;display:flex}.legend-swatch{border-radius:2px;flex-shrink:0;width:24px;height:3px;display:inline-block}.legend-swatch-new{background:#16a34a}.legend-swatch-cur{background:#dc2626}.expand-link{text-align:left;cursor:pointer;background:0 0;border:none;margin-bottom:16px;padding:4px 0;text-decoration:none;transition:color .15s;display:block}.expand-link-main{color:var(--navy-2);letter-spacing:.02em;font-size:12px;font-weight:600;transition:color .15s;display:block}.expand-link-sub{color:var(--text-3);letter-spacing:.01em;margin-top:2px;font-size:11px;font-weight:400;display:block}.expand-link:hover .expand-link-main{color:var(--navy)}.expand-link:hover .expand-link-sub{color:var(--text-2)}.chart-summary{color:var(--text-2);background:var(--bg);border-left:3px solid #c8a96a;border-radius:0 4px 4px 0;margin-bottom:20px;padding:10px 14px;font-size:13px;line-height:1.6}.chart-tooltip{border:1px solid var(--border);background:#fff;border-radius:6px;padding:10px 14px;font-size:12px;box-shadow:0 4px 16px #0a25401a}.chart-tt-year{letter-spacing:.06em;text-transform:uppercase;color:var(--text-3);margin-bottom:8px;font-size:11px;font-weight:700}.chart-tt-row{align-items:center;gap:7px;margin-bottom:4px;display:flex}.chart-tt-dot{border-radius:50%;flex-shrink:0;width:8px;height:8px}.chart-tt-dot-new{background:#0a2540}.chart-tt-dot-cur{background:#94a3b8}.chart-tt-label{color:var(--text-3);flex:1}.cta-impact-list{flex-direction:column;gap:12px;margin:0 0 24px;padding:0;list-style:none;display:flex}.cta-impact-list li{align-items:flex-start;gap:12px;line-height:1.55;display:flex}.cta-impact-block{flex-direction:column;gap:2px;display:flex}.cta-impact-main{color:#ffffffe0;font-size:14px;line-height:1.4}.cta-impact-main strong{color:#fff;font-weight:700}.cta-impact-detail{color:#ffffff80;font-size:13px;line-height:1.4}.cta-impact-bullet{background:#c8a96a;border-radius:50%;flex-shrink:0;width:6px;height:6px;margin-top:6px}.root-embed{min-height:unset;background:var(--bg)}.root-embed .page-main{padding-top:28px}.hub-root{background:var(--bg);-webkit-font-smoothing:antialiased;flex-direction:column;min-height:100vh;font-family:Inter,-apple-system,BlinkMacSystemFont,sans-serif;display:flex}.hub-header{background:var(--navy);border-bottom:1px solid #ffffff12;padding:0}.hub-header-inner{justify-content:space-between;align-items:center;max-width:1140px;margin:0 auto;padding:18px 32px;display:flex}.hub-brand{align-items:center;gap:10px;display:flex}.hub-brand-name{color:#fff;letter-spacing:.01em;font-size:15px;font-weight:700}.hub-header-trust{align-items:center;gap:20px;display:flex}.hub-htrust-item{color:#ffffff80;align-items:center;gap:6px;font-size:12px;font-weight:500;display:flex}.hub-htrust-item svg{color:var(--gold);flex-shrink:0}.hub-page{flex:1;width:100%;max-width:1140px;margin:0 auto;padding:28px 32px 56px}.hub-hero{text-align:center;margin-bottom:20px;padding-top:8px}.hub-hero-title{color:var(--text-1);letter-spacing:-.02em;margin-bottom:6px;font-size:24px;font-weight:800;line-height:1.2}.hub-hero-sub{color:var(--text-3);font-size:14px;line-height:1.5}.hub-steps{grid-template-columns:repeat(3,1fr);gap:10px;margin-bottom:20px;display:grid}.hub-step-card{background:var(--surface);border:1.5px solid var(--border);cursor:pointer;text-align:left;box-shadow:var(--shadow-sm);border-left:4px solid #0000;border-radius:10px;flex-direction:row;align-items:center;gap:14px;min-height:72px;padding:14px 18px;font-family:inherit;transition:border-color .18s,box-shadow .18s,background .18s;display:flex;position:relative}.hub-step-card:hover{border-left-color:var(--gold);box-shadow:var(--shadow);background:var(--gold-pale)}.hub-step-card--active{border-left-color:var(--gold);background:var(--gold-pale);box-shadow:0 2px 14px #c8a96a26}.hub-step-badge{color:#fff;letter-spacing:.06em;text-transform:uppercase;background:#0e5c35;border-radius:0 0 6px 6px;padding:2px 8px;font-size:9px;font-weight:700;position:absolute;top:-1px;right:12px}.hub-step-icon-wrap{background:var(--bg);border:1.5px solid var(--border);width:40px;height:40px;color:var(--text-2);border-radius:10px;flex-shrink:0;justify-content:center;align-items:center;transition:background .18s,color .18s,border-color .18s;display:flex}.hub-step-card--active .hub-step-icon-wrap{background:var(--navy);border-color:var(--navy);color:var(--gold)}.hub-step-content{flex-direction:column;flex:1;gap:1px;min-width:0;display:flex}.hub-step-opt{letter-spacing:.1em;text-transform:uppercase;color:var(--text-3);margin-bottom:3px;font-size:9.5px;font-weight:800;line-height:1}.hub-step-card--active .hub-step-opt{color:var(--gold)}.hub-step-label{color:var(--text-1);white-space:nowrap;text-overflow:ellipsis;font-size:13.5px;font-weight:700;line-height:1.3;overflow:hidden}.hub-step-sublabel{color:var(--text-3);white-space:nowrap;text-overflow:ellipsis;font-size:11.5px;line-height:1.3;overflow:hidden}.hub-step-card--active .hub-step-sublabel{color:#8a6e3a}.hub-step-active-dot{background:var(--gold);border-radius:50%;flex-shrink:0;width:8px;height:8px;margin-left:auto;animation:1.8s ease-in-out infinite hub-pulse}@keyframes hub-pulse{0%,to{opacity:1;transform:scale(1)}50%{opacity:.45;transform:scale(.75)}}.hub-main{background:var(--surface);border:1px solid var(--border);box-shadow:var(--shadow);border-radius:12px;margin-bottom:32px;overflow:hidden}.hub-calc-wrap{padding:0}.hub-calc-wrap .root-embed{box-shadow:none;border-radius:0}.hub-trust-bar{border-top:1px solid var(--border);justify-content:center;align-items:center;gap:0;padding:20px 0 0;display:flex}.hub-trust-bar-item{color:var(--text-3);align-items:center;gap:7px;padding:0 28px;font-size:12.5px;font-weight:500;display:flex}.hub-trust-bar-item svg{color:#16a34a;flex-shrink:0}.hub-trust-divider{background:var(--border);flex-shrink:0;width:1px;height:20px}.hub-panel-header{border-bottom:1px solid var(--border);padding:28px 32px 20px}.hub-panel-title{color:var(--text-1);margin-bottom:8px;font-size:22px;font-weight:700}.hub-panel-desc{color:var(--text-2);max-width:600px;font-size:14px;line-height:1.6}.hub-upload-bullets{flex-direction:column;gap:5px;margin-top:14px;padding-left:0;list-style:none;display:flex}.hub-upload-bullets li{color:var(--text-2);padding-left:16px;font-size:13px;position:relative}.hub-upload-bullets li:before{content:"–";color:var(--gold);position:absolute;left:0}.hub-upload-wrap,.hub-advisor-wrap{flex-direction:column;display:flex}.hub-form{flex-direction:column;gap:16px;padding:24px 32px 32px;display:flex}.hub-form-row{grid-template-columns:repeat(3,1fr);gap:14px;display:grid}.hub-field{flex-direction:column;gap:5px;display:flex}.hub-field-full{grid-column:1/-1}.hub-field label{color:var(--text-2);letter-spacing:.02em;font-size:12px;font-weight:600}.hub-field input,.hub-field select,.hub-field textarea{border:1.5px solid var(--border);border-radius:var(--radius);color:var(--text-1);background:var(--bg);outline:none;width:100%;padding:9px 12px;font-family:inherit;font-size:13.5px;transition:border-color .15s}.hub-field input:focus,.hub-field select:focus,.hub-field textarea:focus{border-color:var(--gold);background:#fff}.hub-field textarea{resize:vertical;min-height:100px}.hub-checkboxes{flex-direction:column;gap:8px;margin-top:4px;display:flex}.hub-checkbox-label{color:var(--text-2);cursor:pointer;align-items:center;gap:9px;font-size:13.5px;display:flex}.hub-checkbox-label input[type=checkbox]{width:16px;height:16px;accent-color:var(--navy);cursor:pointer;flex-shrink:0}.hub-file-zone{border:2px dashed var(--border-2);border-radius:var(--radius);background:var(--bg);cursor:pointer;color:var(--text-3);text-align:center;flex-direction:column;justify-content:center;align-items:center;gap:8px;padding:28px 20px;font-size:13.5px;transition:border-color .15s,background .15s;display:flex}.hub-file-zone:hover,.hub-file-zone-drag{border-color:var(--gold);background:var(--gold-pale)}.hub-file-zone-has-file{border-style:solid;border-color:var(--gold)}.hub-file-remove{color:var(--text-3);cursor:pointer;background:0 0;border:none;margin-top:8px;padding:0;font-family:inherit;font-size:12.5px;font-weight:600;text-decoration:underline}.hub-file-remove:hover{color:var(--navy)}.hub-file-hint{color:var(--text-3);font-size:11.5px}.hub-submit-btn{background:var(--navy);color:#fff;border-radius:var(--radius);cursor:pointer;border:none;align-self:flex-start;padding:12px 28px;font-family:inherit;font-size:14px;font-weight:600;transition:background .15s,opacity .15s}.hub-submit-btn:hover{background:var(--navy-2)}.hub-submit-btn:disabled{opacity:.6;cursor:not-allowed}.hub-form-error{color:var(--red);border-radius:var(--radius);background:#fef2f2;border:1px solid #fecaca;padding:10px 14px;font-size:13px}.hub-advisor-ctas{gap:12px;padding:24px 32px 0;display:flex}.hub-cta-btn{border-radius:var(--radius);cursor:pointer;align-items:center;gap:8px;padding:12px 24px;font-size:14px;font-weight:600;text-decoration:none;transition:opacity .15s,transform .1s;display:flex}.hub-cta-btn:hover{opacity:.88;transform:translateY(-1px)}.hub-cta-email{background:var(--navy);color:#fff}.hub-cta-call{background:var(--gold);color:var(--navy)}.hub-advisor-phone{color:var(--navy);align-items:center;gap:8px;padding:14px 32px 0;display:flex}.hub-advisor-phone svg{opacity:.7;flex-shrink:0}.hub-advisor-phone-link{color:var(--navy);letter-spacing:.01em;font-size:17px;font-weight:700;text-decoration:none}.hub-advisor-phone-link:hover{text-decoration:underline}.hub-advisor-divider{color:var(--text-3);align-items:center;gap:12px;padding:20px 32px 0;font-size:12px;display:flex}.hub-advisor-divider:before,.hub-advisor-divider:after{content:"";background:var(--border);flex:1;height:1px}.hub-success{text-align:center;flex-direction:column;justify-content:center;align-items:center;gap:14px;padding:72px 40px;display:flex}.hub-success-icon{color:#065f46;background:#d1fae5;border-radius:50%;justify-content:center;align-items:center;width:52px;height:52px;display:flex}.hub-success h3{color:var(--text-1);font-size:20px;font-weight:700}.hub-success p{color:var(--text-2);max-width:360px;font-size:14px;line-height:1.6}.hub-success-btn{border:1.5px solid var(--border);border-radius:var(--radius);color:var(--text-2);cursor:pointer;background:0 0;margin-top:8px;padding:9px 20px;font-family:inherit;font-size:13px;transition:border-color .15s}.hub-success-btn:hover{border-color:var(--gold);color:var(--text-1)}@media(max-width:860px){.hub-page{padding:32px 16px 52px}.hub-hero{margin-bottom:28px}.hub-hero-title{font-size:26px}.hub-hero-sub{font-size:14px}.hub-steps{grid-template-columns:1fr;gap:10px}.hub-step-card{flex-direction:row;align-items:center;gap:16px;padding:16px 18px}.hub-step-card--active,.hub-step-card:hover{transform:none}.hub-step-top{flex-direction:column;align-items:flex-start;gap:2px;width:auto;margin-bottom:0}.hub-step-icon-wrap{width:40px;height:40px}.hub-step-desc{display:none}.hub-step-active-row{border-top:none;width:auto;margin-top:0;padding-top:0}.hub-trust-bar{flex-direction:column;gap:10px}.hub-trust-divider{display:none}.hub-trust-bar-item{padding:0}.hub-form-row{grid-template-columns:1fr}.hub-form{padding:20px 18px 28px}.hub-panel-header{padding:20px 18px 16px}.hub-advisor-ctas{flex-wrap:wrap;padding:18px 18px 0}.hub-advisor-divider{padding:16px 18px 0}.hub-header-trust{display:none}}.site-footer{text-align:center;background:#060f1e;flex-direction:column;gap:8px;padding:28px 24px;display:flex}.footer-disclaimer{color:#ffffff4d;max-width:700px;margin:0 auto;font-size:11px;line-height:1.65}.footer-disclaimer strong{color:#ffffff80}.footer-copy{color:#ffffff59;font-size:12px}@media(max-width:780px){.header-inner{padding:28px 20px 0}.field-grid.two-col{grid-template-columns:1fr}.field-grid.one-col{max-width:100%}.hero-incomes{grid-template-columns:1fr}.gain-col{border-left:none;border-right:none;border-top:1px solid var(--border);border-bottom:1px solid var(--border);min-width:unset;flex-flow:wrap;justify-content:space-around;padding:20px}.current-col{border-right:none;border-bottom:1px solid var(--border)}.new-col{border-left:none}.why-grid,.totals-strip{grid-template-columns:1fr}.panel-header-row{flex-direction:column}.cta-inner{padding:28px 24px}}@media(max-width:520px){.page-main{padding:32px 14px 52px}.form-section,.panel{padding:20px 18px}.income-col{padding:24px 20px}.gain-col{gap:8px}}.hp-root{background:var(--bg);-webkit-font-smoothing:antialiased;flex-direction:column;min-height:100vh;font-family:Inter,-apple-system,BlinkMacSystemFont,sans-serif;display:flex}.hp-brand-name{color:#fff;letter-spacing:.01em;font-size:15px;font-weight:700}.hp-container{width:100%;max-width:1100px;margin:0 auto;padding:0 32px}.hp-section-label{letter-spacing:.14em;text-transform:uppercase;color:var(--gold);margin-bottom:12px;font-size:11px;font-weight:800}.hp-section-label--light{color:#c8a96abf}.hp-section-h2{color:var(--text-1);letter-spacing:-.02em;margin-bottom:14px;font-size:clamp(26px,3vw,36px);font-weight:800;line-height:1.2}.hp-section-h2--white{color:#fff}.hp-section-sub{color:var(--text-2);max-width:600px;margin-bottom:0;font-size:16px;line-height:1.65}.hp-section-sub--muted{color:#ffffff8c}.hp-gold{color:var(--gold)}.hp-btn-primary{background:var(--navy);color:#fff;white-space:nowrap;border-radius:8px;align-items:center;gap:8px;padding:14px 28px;font-size:15px;font-weight:600;text-decoration:none;transition:background .18s,transform .14s,box-shadow .18s;display:inline-flex;box-shadow:0 2px 12px #0a254040}.hp-btn-primary:hover{background:var(--navy-2);transform:translateY(-2px);box-shadow:0 6px 24px #0a25404d}.hp-btn-ghost{color:#ffffffd9;background:0 0;border:1.5px solid #fff3;border-radius:8px;align-items:center;gap:8px;padding:14px 28px;font-size:15px;font-weight:600;text-decoration:none;transition:border-color .18s,background .18s;display:inline-flex}.hp-btn-ghost:hover{background:#ffffff0f;border-color:#ffffff80}.hp-btn-ghost-light{color:#ffffffbf;background:0 0;border:1.5px solid #fff3;border-radius:8px;align-items:center;gap:8px;padding:14px 28px;font-size:15px;font-weight:600;text-decoration:none;transition:border-color .18s,color .18s;display:inline-flex}.hp-btn-ghost-light:hover{border-color:var(--gold);color:var(--gold)}.hp-btn-gold{background:var(--gold);color:var(--navy);border-radius:8px;align-items:center;gap:8px;padding:14px 28px;font-size:15px;font-weight:700;text-decoration:none;transition:background .18s,transform .14s,box-shadow .18s;display:inline-flex;box-shadow:0 4px 16px #c8a96a59}.hp-btn-gold:hover{background:var(--gold-light);transform:translateY(-2px);box-shadow:0 8px 28px #c8a96a73}.hp-btn-gold--lg{padding:16px 36px;font-size:16px}.hp-nav{z-index:100;background:0 0;transition:background .25s,box-shadow .25s;position:fixed;top:0;left:0;right:0}.hp-nav--solid{background:var(--navy);box-shadow:0 2px 20px #00000040}.hp-nav-inner{justify-content:space-between;align-items:center;gap:24px;max-width:1100px;height:68px;margin:0 auto;padding:0 32px;display:flex}.hp-nav-logo{text-decoration:none}.hp-nav-links{align-items:center;gap:6px;display:flex}.hp-nav-link{color:#ffffffbf;cursor:pointer;background:0 0;border:none;border-radius:6px;padding:6px 14px;font-family:inherit;font-size:14px;font-weight:500;transition:color .15s,background .15s}.hp-nav-link:hover{color:#fff;background:#ffffff12}.hp-nav-cta{background:var(--gold);color:var(--navy);border-radius:7px;align-items:center;gap:6px;margin-left:10px;padding:9px 20px;font-size:14px;font-weight:700;text-decoration:none;transition:background .15s,transform .14s;display:inline-flex}.hp-nav-cta:hover{background:var(--gold-light);transform:translateY(-1px)}.hp-hamburger{cursor:pointer;background:0 0;border:none;flex-direction:column;gap:5px;padding:4px;display:none}.hp-hamburger span{background:#fff;border-radius:2px;width:22px;height:2px;display:block}.hp-hero{align-items:center;min-height:100vh;display:flex;position:relative;overflow:hidden}.hp-hero-bg{z-index:0;background:linear-gradient(135deg,#060f1e,#0a2540 40%,#0f2e52,#0a2540);position:absolute;inset:0}.hp-hero-bg:before{content:"";background-image:radial-gradient(circle at 20% 80%,#c8a96a14,#0000 50%),radial-gradient(circle at 80% 20%,#c8a96a0d,#0000 50%);position:absolute;inset:0}.hp-hero-bg:after{content:"";background-image:repeating-linear-gradient(0deg,#0000,#0000 59px,#ffffff05 59px 60px),repeating-linear-gradient(90deg,#0000,#0000 59px,#ffffff05 59px 60px);position:absolute;inset:0}.hp-hero-inner{z-index:1;grid-template-columns:1fr 1fr;align-items:center;gap:60px;padding-top:100px;padding-bottom:80px;display:grid;position:relative}.hp-hero-eyebrow{letter-spacing:.14em;text-transform:uppercase;color:var(--gold);background:#c8a96a12;border:1px solid #c8a96a4d;border-radius:20px;margin-bottom:20px;padding:5px 14px;font-size:11px;font-weight:800;display:inline-block}.hp-hero-h1{color:#fff;letter-spacing:-.03em;margin-bottom:20px;font-size:clamp(32px,4vw,52px);font-weight:800;line-height:1.12}.hp-hero-body{color:#ffffffa6;max-width:520px;margin-bottom:32px;font-size:16px;line-height:1.7}.hp-hero-body strong{color:#ffffffe6;font-weight:600}.hp-hero-actions{flex-wrap:wrap;align-items:center;gap:14px;margin-bottom:28px;display:flex}.hp-hero-pills{flex-wrap:wrap;align-items:center;gap:16px;display:flex}.hp-pill{color:#ffffff80;align-items:center;gap:5px;font-size:12.5px;font-weight:500;display:inline-flex}.hp-pill svg{color:var(--gold)}.hp-hero-visual{justify-content:center;align-items:center;display:flex;position:relative}.hp-hero-card{-webkit-backdrop-filter:blur(20px);backdrop-filter:blur(20px);background:#ffffff0a;border:1px solid #ffffff1a;border-radius:16px;width:100%;max-width:360px;padding:28px 28px 20px;box-shadow:0 20px 60px #0000004d,0 0 0 1px #c8a96a1a}.hp-hcard-label{letter-spacing:.1em;text-transform:uppercase;color:var(--gold);margin-bottom:4px;font-size:11px;font-weight:700}.hp-hcard-sub{color:#ffffff80;margin-bottom:24px;font-size:13px}.hp-hcard-bars{align-items:flex-end;gap:28px;margin-bottom:20px;padding:0 8px;display:flex}.hp-hcard-bar-group{flex-direction:column;flex:1;align-items:center;gap:8px;display:flex}.hp-hcard-bar{border-radius:6px 6px 0 0;justify-content:center;align-items:flex-start;width:100%;min-height:40px;padding-top:10px;display:flex;position:relative}.hp-hcard-bar--old{background:#b423182e;border:1px solid #b4231840}.hp-hcard-bar--new{background:#0e5c3540;border:1px solid #0e5c3559}.hp-hcard-bar-val{color:#fff;font-size:13px;font-weight:700}.hp-hcard-bar--new .hp-hcard-bar-val{color:#6ee7a8}.hp-hcard-bar--old .hp-hcard-bar-val{color:#fca5a5}.hp-hcard-bar-lbl{color:#ffffff73;text-align:center;font-size:11px;line-height:1.3}.hp-hcard-gain{background:#0e5c3526;border:1px solid #0e5c354d;border-radius:8px;align-items:center;gap:10px;margin-bottom:12px;padding:10px 14px;display:flex}.hp-hcard-gain-badge{color:#6ee7a8;white-space:nowrap;font-size:15px;font-weight:800}.hp-hcard-gain-text{color:#ffffff80;font-size:12px}.hp-hcard-disclaimer{color:#ffffff40;text-align:center;font-size:10px}.hp-hero-float-1,.hp-hero-float-2{-webkit-backdrop-filter:blur(10px);backdrop-filter:blur(10px);color:#ffffffbf;white-space:nowrap;background:#ffffff14;border:1px solid #ffffff1f;border-radius:24px;padding:8px 16px;font-size:12px;font-weight:600;position:absolute}.hp-hero-float-1{top:8%;right:-5%}.hp-hero-float-2{bottom:12%;left:-8%}.hp-trust-strip{background:var(--surface);border-bottom:1px solid var(--border);border-top:1px solid var(--border);padding:18px 0}.hp-trust-inner{flex-wrap:wrap;justify-content:center;align-items:center;gap:0;display:flex}.hp-trust-item{color:var(--text-1);align-items:center;gap:8px;padding:8px 28px;font-size:13.5px;font-weight:600;display:flex}.hp-trust-icon{color:var(--gold);display:flex}.hp-trust-divider{background:var(--border);flex-shrink:0;width:1px;height:24px}.hp-section{padding:96px 0}.hp-benefits-section{background:var(--bg);text-align:center}.hp-benefits-section .hp-section-h2{margin:0 auto 12px}.hp-benefits-section .hp-section-sub{margin:0 auto 56px}.hp-benefits-grid{text-align:left;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:52px;display:grid}.hp-benefit-card{background:var(--surface);border:1px solid var(--border);box-shadow:var(--shadow-sm);border-radius:14px;padding:32px 28px;transition:box-shadow .2s,transform .2s}.hp-benefit-card:hover{box-shadow:var(--shadow-lg);transform:translateY(-4px)}.hp-benefit-icon{background:var(--gold-pale);width:56px;height:56px;color:var(--gold);border:1px solid #e8d7b0;border-radius:14px;justify-content:center;align-items:center;margin-bottom:20px;display:flex}.hp-benefit-title{color:var(--text-1);margin-bottom:10px;font-size:17px;font-weight:700;line-height:1.3}.hp-benefit-desc{color:var(--text-2);font-size:14px;line-height:1.65}.hp-gets-section{background:var(--surface)}.hp-gets-inner{grid-template-columns:1fr 1fr;align-items:center;gap:72px;display:grid}.hp-gets-list{flex-direction:column;gap:14px;margin-top:28px;list-style:none;display:flex}.hp-gets-item{color:var(--text-1);align-items:flex-start;gap:12px;font-size:15px;line-height:1.5;display:flex}.hp-gets-check{background:var(--green-bg);border:1px solid var(--green-border);width:22px;height:22px;color:var(--green);border-radius:50%;flex-shrink:0;justify-content:center;align-items:center;margin-top:1px;display:flex}.hp-gets-card{background:var(--navy);border-radius:14px;padding:28px;overflow:hidden;box-shadow:0 20px 60px #0a254040}.hp-gets-card-row{color:#ffffff8c;border-bottom:1px solid #ffffff12;justify-content:space-between;align-items:center;padding:12px 0;font-size:13.5px;display:flex}.hp-gets-card-row:last-of-type{border-bottom:none}.hp-gets-card-row--head{letter-spacing:.08em;text-transform:uppercase;color:#ffffff4d;padding-bottom:14px;font-size:11px;font-weight:700}.hp-gets-card-vals{gap:28px;display:flex}.hp-gets-old{color:#fca5a5cc;text-align:right;min-width:60px;font-size:14px;font-weight:600;-webkit-text-decoration:line-through #fca5a566;text-decoration:line-through #fca5a566}.hp-gets-new{color:#6ee7a8;text-align:right;min-width:60px;font-size:14px;font-weight:700}.hp-gets-new--em{color:#6ee7a8;font-size:16px}.hp-gets-card-gain{color:#fff9;text-align:center;background:#0e5c3533;border:1px solid #0e5c3566;border-radius:8px;margin-top:16px;padding:12px 16px;font-size:14px}.hp-gets-card-gain strong{color:#6ee7a8;font-size:18px}.hp-gets-card-disc{color:#fff3;text-align:center;margin-top:12px;font-size:10px}.hp-how-section{background:var(--navy);text-align:center;padding:96px 0}.hp-how-section .hp-section-label{color:var(--gold);opacity:.75}.hp-how-section .hp-section-sub{margin:0 auto 56px}.hp-steps-grid{text-align:left;grid-template-columns:repeat(4,1fr);gap:20px;margin-top:48px;display:grid}.hp-step-card{background:#ffffff0a;border:1px solid #ffffff14;border-radius:14px;padding:28px 24px;transition:background .2s,border-color .2s;position:relative}.hp-step-card:hover{background:#ffffff12;border-color:#c8a96a40}.hp-step-num-badge{letter-spacing:.1em;color:var(--gold);margin-bottom:16px;font-size:11px;font-weight:800}.hp-step-icon{width:48px;height:48px;color:var(--gold);background:#c8a96a1f;border:1px solid #c8a96a33;border-radius:12px;justify-content:center;align-items:center;margin-bottom:18px;display:flex}.hp-step-title{color:#fff;margin-bottom:10px;font-size:15px;font-weight:700;line-height:1.35}.hp-step-desc{color:#ffffff73;font-size:13px;line-height:1.6}.hp-how-cta{margin-top:52px}.hp-calc-cta-section{background:var(--bg)}.hp-calc-cta-inner{grid-template-columns:1fr 1fr;align-items:center;gap:64px;display:grid}.hp-calc-preview{background:var(--surface);border:1px solid var(--border);box-shadow:var(--shadow);border-radius:14px;padding:28px}.hp-calc-prev-label{letter-spacing:.1em;text-transform:uppercase;color:var(--gold);margin-bottom:8px;font-size:10px;font-weight:700}.hp-calc-prev-title{color:var(--text-1);margin-bottom:20px;font-size:18px;font-weight:700}.hp-calc-prev-fields{flex-direction:column;gap:10px;margin-bottom:20px;display:flex}.hp-calc-prev-field{background:var(--bg);border:1px solid var(--border);color:var(--text-2);border-radius:7px;justify-content:space-between;align-items:center;padding:10px 14px;font-size:13px;display:flex}.hp-calc-prev-val{color:var(--text-1);font-size:14px;font-weight:600}.hp-calc-prev-btn{background:var(--gold);width:100%;color:var(--navy);text-align:center;cursor:pointer;border:none;border-radius:8px;padding:13px;font-size:14px;font-weight:700;text-decoration:none;transition:background .15s;display:block}.hp-calc-prev-btn:hover{background:var(--gold-light)}.hp-faq-section{background:var(--surface)}.hp-faq-inner{grid-template-columns:340px 1fr;align-items:flex-start;gap:80px;display:grid}.hp-faq-header{position:sticky;top:90px}.hp-faq-list{flex-direction:column;gap:0;display:flex}.hp-faq-item{border-bottom:1px solid var(--border)}.hp-faq-item:first-child{border-top:1px solid var(--border)}.hp-faq-q{width:100%;color:var(--text-1);text-align:left;cursor:pointer;background:0 0;border:none;justify-content:space-between;align-items:center;gap:16px;padding:20px 0;font-family:inherit;font-size:15px;font-weight:600;transition:color .15s;display:flex}.hp-faq-q:hover{color:var(--navy-2)}.hp-faq-item--open .hp-faq-q{color:var(--navy)}.hp-faq-body{max-height:0;transition:max-height .32s cubic-bezier(.4,0,.2,1);overflow:hidden}.hp-faq-body p{color:var(--text-2);padding:0 0 20px;font-size:14px;line-height:1.7}.hp-final-cta{text-align:center;padding:100px 0;position:relative;overflow:hidden}.hp-final-bg{background:linear-gradient(135deg,#060f1e,#0a2540,#112d50);position:absolute;inset:0}.hp-final-bg:before{content:"";background-image:radial-gradient(circle at 15% 85%,#c8a96a1a,#0000 45%),radial-gradient(circle at 85% 15%,#c8a96a12,#0000 45%);position:absolute;inset:0}.hp-final-inner{z-index:1;position:relative}.hp-final-h2{color:#fff;letter-spacing:-.025em;margin-bottom:16px;font-size:clamp(28px,3.5vw,44px);font-weight:800;line-height:1.2}.hp-final-sub{color:#ffffff8c;max-width:520px;margin:0 auto 40px;font-size:16px;line-height:1.65}.hp-final-actions{flex-wrap:wrap;justify-content:center;align-items:center;gap:16px;margin-bottom:36px;display:flex}.hp-final-contact{color:#ffffff59;flex-wrap:wrap;justify-content:center;align-items:center;gap:20px;font-size:13.5px;display:flex}.hp-final-phone,.hp-final-email{color:#ffffff8c;align-items:center;gap:6px;font-weight:500;text-decoration:none;transition:color .15s;display:inline-flex}.hp-final-phone:hover,.hp-final-email:hover{color:var(--gold)}.hp-footer{background:#060f1e;padding:60px 0 0}.hp-footer-top{border-bottom:1px solid #ffffff12;grid-template-columns:1fr auto;gap:60px;padding-bottom:48px;display:grid}.hp-footer-tagline{color:#ffffff59;max-width:320px;margin-top:12px;margin-bottom:16px;font-size:13px;line-height:1.6}.hp-footer-contact-links{flex-direction:column;gap:6px;display:flex}.hp-footer-contact-links a{color:#fff6;font-size:13px;text-decoration:none;transition:color .15s}.hp-footer-contact-links a:hover{color:var(--gold)}.hp-footer-nav{gap:52px;display:flex}.hp-footer-nav-col{flex-direction:column;gap:10px;display:flex}.hp-footer-nav-head{letter-spacing:.1em;text-transform:uppercase;color:#ffffff4d;margin-bottom:4px;font-size:11px;font-weight:700}.hp-footer-nav-col a,.hp-footer-nav-col button{color:#ffffff73;cursor:pointer;text-align:left;background:0 0;border:none;padding:0;font-family:inherit;font-size:13.5px;text-decoration:none;transition:color .15s}.hp-footer-nav-col a:hover,.hp-footer-nav-col button:hover{color:#fffc}.hp-footer-bottom{padding:28px 0}.hp-footer-legal{color:#fff3;margin-bottom:12px;font-size:11.5px;line-height:1.65}.hp-footer-legal strong{color:#ffffff4d}.hp-footer-copy{color:#fff3;font-size:12px}@media(max-width:1024px){.hp-steps-grid{grid-template-columns:repeat(2,1fr)}}@media(max-width:860px){.hp-container,.hp-nav-inner{padding:0 20px}.hp-nav-links{background:var(--navy);border-bottom:1px solid #ffffff14;flex-direction:column;align-items:flex-start;gap:4px;padding:20px;display:none;position:fixed;top:68px;left:0;right:0;box-shadow:0 8px 32px #0000004d}.hp-nav-links--open{display:flex}.hp-nav-link{width:100%;padding:10px 14px;font-size:15px}.hp-nav-cta{justify-content:center;width:100%;margin-top:8px;margin-left:0}.hp-hamburger{display:flex}.hp-hero-inner{grid-template-columns:1fr;gap:40px;padding-top:120px}.hp-hero-visual{display:none}.hp-hero-h1{font-size:32px}.hp-trust-inner{justify-content:flex-start;gap:8px}.hp-trust-divider{display:none}.hp-trust-item{padding:8px 16px}.hp-section{padding:64px 0}.hp-benefits-grid{grid-template-columns:1fr}.hp-gets-inner{grid-template-columns:1fr;gap:40px}.hp-steps-grid{grid-template-columns:1fr}.hp-calc-cta-inner{grid-template-columns:1fr;gap:40px}.hp-faq-inner{grid-template-columns:1fr;gap:32px}.hp-faq-header{position:static}.hp-footer-top{grid-template-columns:1fr;gap:40px}.hp-footer-nav{flex-wrap:wrap;gap:32px}.hp-final-actions{flex-direction:column;align-items:center}}.hp2-root{color:#0a2540;background:#f8f9fb;font-family:Inter,system-ui,sans-serif;overflow-x:hidden}.hp2-container{max-width:1160px;margin:0 auto;padding:0 32px}.hp2-h2{letter-spacing:-.02em;color:#0a2540;margin:0 0 20px;font-size:clamp(28px,4vw,42px);font-weight:780;line-height:1.18}.hp2-h2--white{color:#fff}.hp2-body{color:#455a73;margin:0;font-size:16px;line-height:1.72}.hp2-body--muted{color:#ffffffb8}.hp2-eyebrow-tag{letter-spacing:.12em;text-transform:uppercase;color:#c8a96a;margin:0 0 16px;font-size:11px;font-weight:700;display:inline-block}.hp2-eyebrow-tag--gold{color:#c8a96a}.hp2-btn-gold{color:#0a2540;cursor:pointer;white-space:nowrap;background:#c8a96a;border:none;border-radius:6px;align-items:center;gap:8px;padding:14px 26px;font-size:14px;font-weight:700;text-decoration:none;transition:background .18s,transform .15s,box-shadow .18s;display:inline-flex}.hp2-btn-gold:hover{background:#d9b97a;transform:translateY(-1px);box-shadow:0 8px 24px #c8a96a59}.hp2-btn-gold--lg{padding:16px 32px;font-size:16px}.hp2-btn-outline{color:#fff;cursor:pointer;white-space:nowrap;background:0 0;border:1.5px solid #fff6;border-radius:6px;align-items:center;gap:8px;padding:13px 24px;font-size:14px;font-weight:600;text-decoration:none;transition:border-color .18s,background .18s;display:inline-flex}.hp2-btn-outline:hover{background:#ffffff14;border-color:#fffc}.hp2-btn-navy{color:#fff;cursor:pointer;white-space:nowrap;background:#0a2540;border:none;border-radius:6px;align-items:center;gap:8px;padding:14px 26px;font-size:14px;font-weight:700;text-decoration:none;transition:background .18s,transform .15s;display:inline-flex}.hp2-btn-navy:hover{background:#1f3a5f;transform:translateY(-1px)}.hp2-logo{align-items:center;gap:10px;text-decoration:none;display:flex}.hp2-logo-img{width:auto;height:52px;display:block}.hp2-footer .hp2-logo-img{height:76px}.hp2-nav{z-index:100;padding:0;transition:background .3s,box-shadow .3s,-webkit-backdrop-filter .3s,backdrop-filter .3s;position:fixed;top:0;left:0;right:0}.hp2-nav--solid{-webkit-backdrop-filter:blur(12px);backdrop-filter:blur(12px);background:#0a2540f7;box-shadow:0 2px 24px #00000038}.hp2-phone-strip{color:#fff;white-space:nowrap;background:#0a2540;border-bottom:1px solid #c8a96a59;justify-content:center;align-items:center;gap:10px;min-height:44px;padding:8px 12px;font-size:15px;font-weight:600;line-height:1.4;text-decoration:none;display:flex}.hp2-phone-strip svg{color:#c8a96a;flex-shrink:0}.hp2-phone-separator{color:#c8a96a;margin:0 6px}.hp2-phone-strip:hover{background:#1f3a5f}.hp2-phone-strip:focus-visible{outline-offset:-4px;outline:2px solid #c8a96a}.hp2-root .hp2-hero-content{padding-top:144px}.hp2-root>section{scroll-margin-top:44px}.hp2-root .hp2-faq-left{top:140px}.hp2-nav-inner{justify-content:space-between;align-items:center;gap:24px;max-width:1160px;height:68px;margin:0 auto;padding:0 32px;display:flex}.hp2-nav-links{align-items:center;gap:4px;display:flex}.hp2-nav-link{color:#ffffffd1;cursor:pointer;background:0 0;border:none;border-radius:5px;padding:8px 14px;font-family:inherit;font-size:14px;font-weight:500;transition:color .15s,background .15s}.hp2-nav-link:hover{color:#fff;background:#ffffff14}.hp2-nav-cta{color:#0a2540;background:#c8a96a;border-radius:5px;align-items:center;gap:6px;margin-left:8px;padding:9px 18px;font-size:13px;font-weight:700;text-decoration:none;transition:background .15s;display:inline-flex}.hp2-nav-cta:hover{background:#d9b97a}.hp2-hamburger{cursor:pointer;background:0 0;border:none;flex-direction:column;gap:5px;padding:6px;display:none}.hp2-hamburger span{background:#fff;border-radius:2px;width:22px;height:2px;transition:all .2s;display:block}.hp2-hero-wrap{scroll-snap-align:start;flex-direction:column;min-height:100dvh;display:flex}.hp2-hero{flex:1;align-items:flex-end;min-height:480px;display:flex;position:relative;overflow:hidden}.hp2-slide{opacity:0;will-change:opacity;transition:opacity .9s cubic-bezier(.4,0,.2,1);position:absolute;inset:0}.hp2-slide--active{opacity:1;z-index:1}.hp2-slide--exit{opacity:0;z-index:0}.hp2-slide-img{object-fit:cover;object-position:center 30%;width:100%;height:100%;display:block}.hp2-slide-overlay{background:linear-gradient(100deg,#0a2540e0,#0a2540b8 45%,#0a25404d 75%,#0a25401a);position:absolute;inset:0}.hp2-hero-content{z-index:10;width:100%;max-width:1160px;margin:0 auto;padding:0 32px 80px;position:relative}.hp2-hero-eyebrow{letter-spacing:.12em;text-transform:uppercase;color:#c8a96a;margin-bottom:16px;font-size:11px;font-weight:700}.hp2-hero-h1{letter-spacing:-.025em;color:#fff;max-width:660px;margin:0 0 20px;font-size:clamp(32px,5.5vw,62px);font-weight:800;line-height:1.1;animation:.65s both hp2FadeUp}.hp2-hero-sub{color:#ffffffd1;max-width:520px;margin:0 0 32px;font-size:clamp(15px,1.6vw,18px);line-height:1.65;animation:.65s .1s both hp2FadeUp}.hp2-hero-actions{flex-wrap:wrap;gap:14px;animation:.65s .2s both hp2FadeUp;display:flex}@keyframes hp2FadeUp{0%{opacity:0;transform:translateY(18px)}to{opacity:1;transform:translateY(0)}}.hp2-dots{z-index:10;gap:8px;display:flex;position:absolute;bottom:32px;right:40px}.hp2-dot{cursor:pointer;background:#ffffff59;border:none;border-radius:50%;width:8px;height:8px;padding:0;transition:background .25s,transform .25s}.hp2-dot--active{background:#c8a96a;transform:scale(1.25)}.hp2-progress{z-index:10;background:#ffffff1f;height:3px;position:absolute;bottom:0;left:0;right:0}.hp2-progress-bar{transform-origin:0;background:#c8a96a;height:100%;animation:20s linear forwards hp2Progress}@keyframes hp2Progress{0%{width:0%}to{width:100%}}.hp2-stats{background:#0a2540;grid-template-columns:repeat(4,1fr);display:grid}.hp2-stat{border-right:1px solid #ffffff14;flex-direction:column;gap:4px;padding:28px 32px;display:flex}.hp2-stat:last-child{border-right:none}.hp2-stat-num{color:#c8a96a;letter-spacing:-.02em;font-size:24px;font-weight:800;line-height:1}.hp2-stat-label{color:#fff9;font-size:12.5px;line-height:1.45}.hp2-problem{scroll-snap-align:start;background:#fff;flex-direction:column;justify-content:center;min-height:100dvh;padding:96px 0;display:flex}.hp2-problem-inner{grid-template-columns:1fr 1fr;align-items:center;gap:72px;display:grid}.hp2-problem-img-wrap{position:relative}.hp2-problem-img{border-radius:12px;width:100%;display:block;box-shadow:0 24px 60px #0a254029}.hp2-problem-badge{color:#0a2540;background:#c8a96a;border-radius:10px;max-width:200px;padding:16px 20px;position:absolute;bottom:-20px;right:-20px;box-shadow:0 8px 24px #c8a96a66}.hp2-problem-badge-num{letter-spacing:-.02em;font-size:28px;font-weight:800;line-height:1;display:block}.hp2-problem-badge-text{margin-top:5px;font-size:11px;font-weight:600;line-height:1.4;display:block}.hp2-checklist{flex-direction:column;gap:12px;margin:20px 0 0;padding:0;list-style:none;display:flex}.hp2-checklist li{color:#2d4057;align-items:flex-start;gap:10px;font-size:15px;line-height:1.5;display:flex}.hp2-checkmark{color:#c8a96a;background:#c8a96a1f;border:1px solid #c8a96a4d;border-radius:50%;flex-shrink:0;justify-content:center;align-items:center;width:22px;height:22px;margin-top:1px;display:flex}.hp2-how{scroll-snap-align:start;background:#0a2540;flex-direction:column;justify-content:center;min-height:100dvh;padding:96px 0;display:flex}.hp2-how-header{text-align:center;max-width:680px;margin:0 auto 64px}.hp2-steps{flex-direction:column;gap:0;max-width:820px;margin:0 auto;display:flex}.hp2-step{border-bottom:1px solid #ffffff14;grid-template-columns:80px 1fr;align-items:start;gap:0 32px;padding:36px 0;display:grid}.hp2-step:last-child{border-bottom:none}.hp2-step-num{color:#c8a96a38;letter-spacing:-.04em;padding-top:4px;font-size:44px;font-weight:800;line-height:1}.hp2-step-title{color:#fff;margin:0 0 10px;font-size:18px;font-weight:700;line-height:1.3}.hp2-step-body{color:#ffffff9e;margin:0;font-size:14.5px;line-height:1.68}.hp2-how-cta{text-align:center;flex-direction:column;align-items:center;gap:20px;margin-top:56px;display:flex}.hp2-how-pills{color:#ffffff80;flex-wrap:wrap;justify-content:center;align-items:center;gap:0;font-size:13px;display:flex}.hp2-dot-sep{background:#ffffff40;border-radius:50%;width:4px;height:4px;margin:0 12px;display:inline-block}.hp2-advisor-band{scroll-snap-align:start;align-items:center;min-height:100dvh;display:flex;position:relative;overflow:hidden}.hp2-advisor-img-wrap{position:absolute;inset:0}.hp2-advisor-img{object-fit:cover;object-position:center 25%;width:100%;height:100%;display:block}.hp2-advisor-overlay{background:linear-gradient(95deg,#0a2540ed,#0a2540c7,#0a254059);position:absolute;inset:0}.hp2-advisor-text{z-index:2;max-width:560px;margin-left:max(32px,50vw - 548px);padding:80px 0;position:relative}.hp2-advisor-actions{flex-wrap:wrap;gap:14px;margin-top:28px;display:flex}.hp2-advisor-trust{flex-wrap:wrap;gap:20px;margin-top:24px;display:flex}.hp2-advisor-trust span{color:#ffffffa6;align-items:center;gap:6px;font-size:12px;font-weight:600;display:flex}.hp2-advisor-trust svg{color:#c8a96a}.hp2-faq-section{scroll-snap-align:start;background:#f8f9fb;flex-direction:column;justify-content:center;min-height:100dvh;padding:96px 0;display:flex}.hp2-faq-inner{grid-template-columns:380px 1fr;align-items:start;gap:80px;display:grid}.hp2-faq-left{position:sticky;top:96px}.hp2-faq-list{flex-direction:column;display:flex}.hp2-faq-item{border-bottom:1px solid #e5e9ef}.hp2-faq-item:first-child{border-top:1px solid #e5e9ef}.hp2-faq-q{color:#0a2540;cursor:pointer;text-align:left;background:0 0;border:none;justify-content:space-between;align-items:center;gap:16px;width:100%;padding:20px 0;font-family:inherit;font-size:15px;font-weight:600;transition:color .15s;display:flex}.hp2-faq-item--open .hp2-faq-q{color:#c8a96a}.hp2-faq-body{transition:max-height .35s cubic-bezier(.4,0,.2,1);overflow:hidden}.hp2-faq-body p{color:#455a73;margin:0;padding-bottom:20px;font-size:14.5px;line-height:1.72}.hp2-final{scroll-snap-align:start;align-items:center;min-height:100dvh;display:flex;position:relative;overflow:hidden}.hp2-final-img-wrap{position:absolute;inset:0}.hp2-final-img{object-fit:cover;object-position:center 35%;width:100%;height:100%;display:block}.hp2-final-overlay{background:linear-gradient(100deg,#0a2540f0,#0a2540cc 55%,#0a254066);position:absolute;inset:0}.hp2-final-content{z-index:2;max-width:600px;margin-left:max(32px,50vw - 548px);padding:80px 32px 80px 0;position:relative}.hp2-final-h2{letter-spacing:-.02em;color:#fff;margin:0 0 18px;font-size:clamp(26px,3.5vw,40px);font-weight:800;line-height:1.18}.hp2-final-actions{flex-wrap:wrap;gap:14px;margin-top:32px;display:flex}.hp2-final-contact{color:#ffffff8c;flex-wrap:wrap;align-items:center;gap:10px;margin-top:24px;font-size:13.5px;display:flex}.hp2-final-contact a{color:#ffffffd1;font-weight:600;text-decoration:none;transition:color .15s}.hp2-final-contact a:hover{color:#c8a96a}.hp2-footer{background:#071b30}.hp2-footer-inner{grid-template-columns:1.4fr 1fr;gap:80px;padding-top:64px;padding-bottom:48px;display:grid}.hp2-footer-brand{max-width:360px}.hp2-footer-tagline{color:#ffffff73;margin:14px 0 18px;font-size:13.5px;line-height:1.65}.hp2-footer-contacts{flex-direction:column;gap:4px;display:flex}.hp2-footer-contacts a{color:#fff9;font-size:13.5px;text-decoration:none;transition:color .15s}.hp2-footer-contacts a:hover{color:#c8a96a}.hp2-footer-nav{grid-template-columns:1fr 1fr;gap:48px;display:grid}.hp2-footer-nav-head{letter-spacing:.1em;text-transform:uppercase;color:#ffffff59;margin:0 0 14px;font-size:11px;font-weight:700}.hp2-footer-nav a,.hp2-footer-nav button{color:#ffffff8c;cursor:pointer;text-align:left;background:0 0;border:none;margin-bottom:8px;padding:0;font-family:inherit;font-size:13.5px;text-decoration:none;transition:color .15s;display:block}.hp2-footer-nav a:hover,.hp2-footer-nav button:hover{color:#c8a96a}.hp2-footer-bottom{border-top:1px solid #ffffff12;padding:24px 0}.ab-product-disclosures{max-width:720px;margin-top:28px}.ab-product-disclosures p{color:#ffffffb8;margin-bottom:10px;font-size:12px;font-weight:400;line-height:1.7}.hp2-footer-legal{color:#ffffff47;margin:0 0 10px;font-size:11.5px;line-height:1.7}.hp2-footer-copy{color:#ffffff52;margin:0;font-size:12px}.hp2-footer-policy-link{color:#c8a96ad9;text-decoration:none;transition:color .18s}.hp2-footer-policy-link:hover{color:#c8a96a;text-decoration:underline}.legal-header{background:#0a2540;padding:150px 0 56px}.legal-body{background:#fff;padding:64px 0 88px}.legal-body-inner{max-width:820px}.legal-block{margin-bottom:36px}.legal-h2{color:#0a2540;letter-spacing:-.01em;margin:0 0 14px;font-size:21px;font-weight:700}.legal-p{color:#44515e;margin:0 0 14px;font-size:15.5px;line-height:1.8}.legal-updated{color:#8a96a3;border-top:1px solid #e7ebef;margin-top:40px;padding-top:24px;font-size:13px}@media(max-width:900px){.hp2-stats{grid-template-columns:repeat(2,1fr)}.hp2-stat{border-bottom:1px solid #ffffff14;border-right:none}.hp2-stat:nth-child(odd){border-right:1px solid #ffffff14}.hp2-stat:nth-last-child(-n+2){border-bottom:none}.hp2-problem-inner{grid-template-columns:minmax(0,1fr);gap:48px}.hp2-problem-inner>*{min-width:0;max-width:100%}.hp2-problem-img-wrap{max-width:560px}.hp2-problem-badge{bottom:-16px;right:0}.hp2-problem-inner .hp2-btn-navy{white-space:normal;text-align:center;justify-content:center;min-width:0;max-width:100%}.hp2-faq-inner{grid-template-columns:1fr;gap:48px}.hp2-faq-left{position:static}.hp2-footer-inner{grid-template-columns:1fr;gap:40px}.hp2-footer-brand{max-width:100%}}@media(max-width:680px){.hp2-hamburger{display:flex}.hp2-phone-strip{gap:8px;font-size:13px}.hp2-phone-separator{margin:0 4px}.hp2-nav--home .hp2-nav-links{top:112px}.hp2-nav-links{background:#0a2540fa;border-top:1px solid #ffffff14;flex-direction:column;gap:4px;padding:20px 24px 28px;display:none;position:fixed;top:68px;left:0;right:0}.hp2-nav-links--open{display:flex}.hp2-nav-link{text-align:left;padding:10px 12px;font-size:15px}.hp2-nav-cta{justify-content:center;margin-top:8px;margin-left:0}.hp2-hero{max-height:none}.hp2-hero-content{padding-top:100px;padding-bottom:48px}.hp2-hero-actions{flex-direction:column}.hp2-btn-gold,.hp2-btn-outline{justify-content:center;width:100%}.hp2-stats{grid-template-columns:1fr 1fr}.hp2-step{grid-template-columns:48px minmax(0,1fr);gap:0 20px}.hp2-step-num{font-size:30px}.hp2-step-content{min-width:0}.hp2-how>.hp2-container,.hp2-how-header,.hp2-steps,.hp2-how-cta{min-width:0;max-width:100%}.hp2-how-cta .hp2-btn-gold,.hp2-how .hp2-btn-gold{white-space:normal;text-align:center;width:100%;min-width:0;max-width:100%}.hp2-how-pills{min-width:0;max-width:100%}.hp2-advisor-img{object-position:65% 25%}.hp2-final-img{object-position:67% 35%}.hp2-advisor-text{max-width:100%;margin-left:0;padding:60px 32px}.hp2-advisor-actions{flex-direction:column}.hp2-final-content{max-width:100%;margin-left:0;padding:60px 32px}.hp2-final-actions{flex-direction:column}.hp2-footer-nav{grid-template-columns:1fr 1fr;gap:32px}}.hp2-nav-link--active{font-weight:700;color:#c8a96a!important}.ab-hero{align-items:flex-end;height:420px;margin-top:68px;display:flex;position:relative;overflow:hidden}.ab-hero-img{object-fit:cover;object-position:center 40%;width:100%;height:100%;display:block;position:absolute;inset:0}.ab-hero-overlay{background:linear-gradient(100deg,#0a2540e6,#0a2540b8 55%,#0a254059);position:absolute;inset:0}.ab-hero-content{z-index:2;width:100%;max-width:1160px;margin:0 auto;padding:0 32px 52px;position:relative}.ab-hero-h1{letter-spacing:-.022em;color:#fff;max-width:600px;margin:0 0 14px;font-size:clamp(28px,4vw,50px);font-weight:800;line-height:1.15}.ab-hero-sub{color:#ffffffc7;max-width:500px;margin:0;font-size:16px;line-height:1.65}.ab-about{background:#fff;padding:88px 0}.ab-about-inner{grid-template-columns:1fr 1fr;align-items:start;gap:72px;display:grid}.ab-goals{background:#f8f9fb;border:1px solid #e8ecf0;border-radius:14px;padding:36px}.ab-goals-head{color:#0a2540;margin:0 0 20px;font-size:15px;font-weight:700;line-height:1.4}.ab-goals-list{flex-direction:column;gap:11px;margin:0;padding:0;list-style:none;display:flex}.ab-goals-list li{color:#2d4057;align-items:flex-start;gap:10px;font-size:14px;line-height:1.5;display:flex}.ab-section-header{text-align:center;margin-bottom:56px}.ab-section-header .hp2-h2{margin-bottom:12px}.ab-leadership{background:#f8f9fb;padding:88px 0}.ab-team-grid{grid-template-columns:repeat(3,1fr);gap:28px;display:grid}.ab-card{background:#fff;border:1px solid #e8ecf0;border-radius:14px;flex-direction:column;transition:box-shadow .2s,transform .2s;display:flex;overflow:hidden;box-shadow:0 4px 24px #0a254014}.ab-card:hover{transform:translateY(-3px);box-shadow:0 12px 40px #0a254024}.ab-card-img-wrap{aspect-ratio:3/4;background:#e8ecf0;width:100%;overflow:hidden}.ab-card-img{object-fit:cover;object-position:center top;width:100%;height:100%;transition:transform .4s;display:block}.ab-card:hover .ab-card-img{transform:scale(1.03)}.ab-card-body{flex-direction:column;flex:1;padding:24px;display:flex}.ab-card-name{color:#0a2540;letter-spacing:-.01em;margin:0 0 4px;font-size:17px;font-weight:760}.ab-card-title{letter-spacing:.06em;text-transform:uppercase;color:#c8a96a;margin:0 0 14px;font-size:12px;font-weight:700}.ab-card-bio{color:#455a73;flex:1;margin:0;font-size:13.5px;line-height:1.68}.ab-vanderbilt{align-items:center;min-height:480px;display:flex;position:relative;overflow:hidden}.ab-vanderbilt-img-wrap{position:absolute;inset:0}.ab-vanderbilt-img{object-fit:cover;object-position:center;width:100%;height:100%;display:block}.ab-vanderbilt-overlay{background:linear-gradient(95deg,#0a2540f5,#0a2540d1 55%,#0a25408c);position:absolute;inset:0}.ab-vanderbilt-content{z-index:2;padding:80px 32px;position:relative}.ab-vanderbilt-text{max-width:620px}.ab-vanderbilt-badges{flex-wrap:wrap;gap:10px;margin-top:28px;display:flex}.ab-vbadge{color:#c8a96a;background:#c8a96a1f;border:1px solid #c8a96a4d;border-radius:100px;align-items:center;gap:6px;padding:7px 14px;font-size:12px;font-weight:700;display:inline-flex}.ab-vbadge svg{color:#c8a96a}.ab-faq{background:#fff;padding:88px 0}.ab-faq-columns{grid-template-columns:1fr 1fr;align-items:start;gap:0 56px;display:grid}.ab-faq-col{flex-direction:column;display:flex}.ab-contact{background:#0a2540;padding:80px 0}.ab-contact-inner{grid-template-columns:1fr 360px;align-items:center;gap:64px;display:grid}.ab-contact-actions{flex-wrap:wrap;gap:14px;margin-top:28px;display:flex}.ab-contact-info{background:#ffffff0d;border:1px solid #ffffff1a;border-radius:14px;padding:32px}.ab-contact-label{letter-spacing:.1em;text-transform:uppercase;color:#fff6;margin:0 0 14px;font-size:11px;font-weight:700}.ab-contact-phone{color:#fff;letter-spacing:-.02em;margin-bottom:6px;font-size:24px;font-weight:800;text-decoration:none;transition:color .15s;display:block}.ab-contact-phone:hover{color:#c8a96a}.ab-contact-email{color:#fff9;margin-bottom:20px;font-size:14px;text-decoration:none;transition:color .15s;display:block}.ab-contact-email:hover{color:#c8a96a}.ab-contact-trust{border-top:1px solid #ffffff14;flex-direction:column;gap:8px;padding-top:20px;display:flex}.ab-contact-trust span{color:#ffffff8c;align-items:center;gap:7px;font-size:12.5px;font-weight:500;display:flex}.ab-contact-trust svg{color:#c8a96a}@media(max-width:960px){.ab-about-inner{grid-template-columns:minmax(0,1fr);gap:48px}.ab-about-text{min-width:0}.ab-about-text .hp2-h2{overflow-wrap:anywhere}.ab-goals{min-width:0}.ab-team-grid{grid-template-columns:1fr 1fr}.ab-faq-columns{grid-template-columns:1fr}.ab-contact-inner{grid-template-columns:1fr;gap:40px}}@media(max-width:600px){.ab-hero{height:340px}.ab-goals{padding:28px 22px}.ab-goals .hp2-btn-navy{white-space:normal;text-align:center;justify-content:center;width:100%;min-width:0;max-width:100%}.ab-team-grid{grid-template-columns:1fr;max-width:400px;margin:0 auto}.ab-contact-actions{flex-direction:column}}.faq-hero{align-items:flex-end;height:340px;margin-top:68px;display:flex;position:relative;overflow:hidden}.faq-hero-img-wrap{position:absolute;inset:0}.faq-hero-img{object-fit:cover;object-position:center 25%;width:100%;height:100%;display:block}.faq-hero-overlay{background:linear-gradient(100deg,#0a2540eb,#0a2540b8 55%,#0a254061);position:absolute;inset:0}.faq-hero-content{z-index:2;width:100%;max-width:1160px;margin:0 auto;padding:0 32px 48px;position:relative}.faq-body{background:#f8f9fb;padding:64px 0 80px}.faq-body-inner{grid-template-columns:240px 1fr;align-items:start;gap:48px;display:grid}.faq-sidebar{background:#fff;border:1px solid #e8ecf0;border-radius:12px;flex-direction:column;gap:4px;padding:24px;display:flex;position:sticky;top:88px}.faq-sidebar-head{letter-spacing:.1em;text-transform:uppercase;color:#0a254066;margin:0 0 10px;font-size:10.5px;font-weight:700}.faq-sidebar-btn{color:#455a73;cursor:pointer;text-align:left;background:0 0;border:none;border-radius:7px;justify-content:space-between;align-items:center;width:100%;padding:10px 12px;font-family:inherit;font-size:14px;font-weight:500;transition:background .15s,color .15s;display:flex}.faq-sidebar-btn:hover{color:#0a2540;background:#f8f9fb}.faq-sidebar-btn--active{color:#0a2540;background:#c8a96a1a;border-left:3px solid #c8a96a;padding-left:9px;font-weight:700}.faq-sidebar-count{color:#455a73;text-align:center;background:#e8ecf0;border-radius:100px;min-width:22px;padding:2px 7px;font-size:11px;font-weight:700}.faq-sidebar-btn--active .faq-sidebar-count{color:#c8a96a;background:#c8a96a33}.faq-sidebar-cta{border-top:1px solid #e8ecf0;flex-direction:column;gap:10px;margin-top:20px;padding-top:20px;display:flex}.faq-sidebar-cta p{color:#455a73;margin:0;font-size:12.5px;line-height:1.4}.faq-list{background:#fff;border:1px solid #e8ecf0;border-radius:12px;overflow:hidden}.faq-category-label{letter-spacing:.1em;text-transform:uppercase;color:#c8a96a;margin:0 0 4px;padding:20px 28px 0;font-size:11px;font-weight:700}.faq-list .hp2-faq-item{border-bottom:1px solid #e8ecf0}.faq-list .hp2-faq-item:first-of-type{border-top:none}.faq-list .hp2-faq-item:last-child{border-bottom:none}.faq-list .hp2-faq-q{padding:20px 28px}.faq-list .hp2-faq-body p{padding:0 28px 20px}.faq-cta{background:#0a2540;padding:80px 0}.faq-cta-inner{grid-template-columns:1fr 320px;align-items:center;gap:64px;display:grid}.faq-cta-actions{flex-wrap:wrap;gap:14px;margin-top:28px;display:flex}.faq-cta-contact{background:#ffffff0d;border:1px solid #ffffff1a;border-radius:14px;padding:28px}@media(max-width:860px){.faq-body-inner{grid-template-columns:1fr}.faq-sidebar{flex-flow:wrap;align-items:center;gap:8px;position:static}.faq-sidebar-head{width:100%;margin-bottom:0}.faq-sidebar-cta{display:none}.faq-cta-inner{grid-template-columns:1fr;gap:40px}.faq-cta-actions{flex-direction:column}}.con-body{background:var(--bg);padding:80px 0 96px}.con-body-inner{grid-template-columns:1fr 420px;align-items:start;gap:72px;display:grid}.con-ctas{flex-wrap:wrap;gap:14px;margin-top:32px;display:flex}.con-trust{color:var(--text-3);flex-wrap:wrap;gap:18px;margin-top:24px;font-size:13px;font-weight:500;display:flex}.con-trust span{color:var(--green);align-items:center;gap:6px;display:flex}.con-right{flex-direction:column;gap:16px;display:flex}.con-card{background:var(--surface);border:1px solid var(--border);box-shadow:var(--shadow-sm);color:inherit;border-radius:14px;align-items:center;gap:18px;padding:24px 22px;text-decoration:none;transition:border-color .18s,box-shadow .18s,transform .18s;display:flex}.con-card--link:hover{border-color:var(--gold);box-shadow:var(--shadow);transform:translateY(-2px)}.con-card-icon{background:var(--gold-pale);width:48px;height:48px;color:var(--navy);border-radius:12px;flex-shrink:0;justify-content:center;align-items:center;display:flex}.con-card-body{flex:1}.con-card-label{letter-spacing:.08em;text-transform:uppercase;color:var(--text-3);margin-bottom:4px;font-size:11px;font-weight:700}.con-card-value{color:var(--navy);font-size:17px;font-weight:700;line-height:1.25}.con-card-sub{color:var(--text-3);margin-top:3px;font-size:13px}.con-card-arrow{color:var(--gold);opacity:.8;flex-shrink:0;transition:opacity .15s}.con-card--link:hover .con-card-arrow{opacity:1}.con-cta-band{background:var(--navy);padding:80px 0}.con-cta-band-inner{grid-template-columns:1fr auto;align-items:center;gap:64px;display:grid}.con-cta-band-actions{flex-direction:column;gap:14px;min-width:260px;display:flex}@media(max-width:900px){.con-body-inner{grid-template-columns:minmax(0,1fr);gap:48px}.con-left,.con-right,.con-card,.con-card-body{min-width:0}.con-card{box-sizing:border-box;max-width:100%}.con-card-value{overflow-wrap:anywhere}.con-ctas .hp2-btn-navy,.con-ctas .hp2-btn-outline{white-space:normal;text-align:center;justify-content:center;min-width:0;max-width:100%}.con-trust{min-width:0}.con-cta-band-inner{grid-template-columns:1fr;gap:36px}.con-cta-band-actions{min-width:unset;flex-flow:wrap}}@media(max-width:560px){.con-body{padding:56px 0 72px}.con-ctas{flex-direction:column}.con-ctas .hp2-btn-navy,.con-ctas .hp2-btn-outline{width:100%}.con-cta-band-inner{min-width:0}.con-cta-band-inner .hp2-h2,.con-cta-band-inner .hp2-body{overflow-wrap:anywhere;min-width:0}.con-cta-band-actions{min-width:0;max-width:100%}.con-cta-band-actions .hp2-btn-gold,.con-cta-band-actions .hp2-btn-outline{white-space:normal;text-align:center;justify-content:center;width:100%;min-width:0;max-width:100%}.con-cta-band-actions{flex-direction:column}}button.cta-btn{cursor:pointer;border:none;font-family:inherit}.insight-cta{justify-content:center;margin-top:20px;display:flex}.plan-modal-overlay{-webkit-backdrop-filter:blur(3px);backdrop-filter:blur(3px);z-index:1000;background:#0a25408c;justify-content:center;align-items:center;padding:20px;animation:.18s planFade;display:flex;position:fixed;inset:0}@keyframes planFade{0%{opacity:0}to{opacity:1}}.plan-modal{background:#fff;border-radius:16px;width:100%;max-width:460px;max-height:92vh;padding:36px 32px 30px;animation:.22s planRise;position:relative;overflow-y:auto;box-shadow:0 24px 60px #0a25404d}@keyframes planRise{0%{opacity:0;transform:translateY(12px)}to{opacity:1;transform:translateY(0)}}.plan-modal-close{color:#8a9bb0;cursor:pointer;background:0 0;border:none;padding:4px;font-size:26px;line-height:1;position:absolute;top:14px;right:16px}.plan-modal-close:hover{color:var(--navy)}.plan-modal-eyebrow{letter-spacing:.06em;text-transform:uppercase;color:var(--gold);margin:0 0 8px;font-size:12px;font-weight:700}.plan-modal-title{color:var(--navy);letter-spacing:-.01em;margin:0 0 8px;font-size:22px;font-weight:800}.plan-modal-sub{color:#5a6b7b;margin:0 0 20px;font-size:14px;line-height:1.6}.plan-modal-summary{background:#f8f9fb;border:1px solid #e5eaf0;border-radius:10px;margin-bottom:20px;padding:14px 16px}.plan-modal-summary-row{color:#5a6b7b;justify-content:space-between;align-items:center;padding:4px 0;font-size:13px;display:flex}.plan-modal-summary-row strong{color:#16a34a;font-size:15px}.plan-modal-form{flex-direction:column;gap:14px;display:flex}.plan-modal-field{flex-direction:column;gap:6px;display:flex}.plan-modal-field label{color:var(--navy);font-size:12px;font-weight:600}.plan-modal-field input{width:100%;color:var(--navy);box-sizing:border-box;background:#fff;border:1px solid #d5dee8;border-radius:8px;padding:12px 14px;font-family:inherit;font-size:14px}.plan-modal-field input:focus{border-color:var(--gold);outline:none;box-shadow:0 0 0 3px #c8a96a26}.plan-modal-submit{justify-content:center;width:100%;margin-top:4px}.plan-modal-error{color:#dc2626;margin:0;font-size:13px}.plan-modal-trust{color:#8a9bb0;text-align:center;margin:6px 0 0;font-size:12px}.plan-modal-success{text-align:center}.plan-modal-check{color:#16a34a;background:#16a34a1f;border-radius:50%;justify-content:center;align-items:center;width:52px;height:52px;margin:0 auto 16px;display:flex}.plan-modal-success .plan-modal-submit{margin-top:22px}.res-section{background:#f8f9fb;padding:64px 0 80px}.res-grid{grid-template-columns:repeat(auto-fill,minmax(330px,1fr));gap:24px;display:grid}.res-card{background:#fff;border:1px solid #e8ecf0;border-radius:14px;flex-direction:column;gap:13px;padding:28px;text-decoration:none;transition:transform .2s,box-shadow .2s,border-color .2s;display:flex}.res-card:hover{border-color:var(--gold);transform:translateY(-3px);box-shadow:0 14px 34px #0a25401a}.res-card-tag{letter-spacing:.08em;text-transform:uppercase;color:var(--navy);background:var(--gold-pale);border:1px solid #c8a96a66;border-radius:999px;align-self:flex-start;padding:5px 11px;font-size:10.5px;font-weight:700}.res-card-title{color:var(--navy);margin:2px 0 0;font-size:21px;font-weight:700;line-height:1.3}.res-card-meta{color:#0a254080;margin:0;font-size:12.5px}.res-card-summary{color:#0a2540bf;margin:0;font-size:15px;line-height:1.6}.res-card-link{color:var(--gold);align-items:center;gap:7px;margin-top:auto;padding-top:6px;font-size:14px;font-weight:700;display:inline-flex}.res-card:hover .res-card-link{color:var(--navy)}@media(max-width:600px){.res-grid{grid-template-columns:1fr}.res-card{padding:22px}.res-card-title{font-size:19px}}@property --tw-rotate-x{syntax:"*";inherits:false}@property --tw-rotate-y{syntax:"*";inherits:false}@property --tw-rotate-z{syntax:"*";inherits:false}@property --tw-skew-x{syntax:"*";inherits:false}@property --tw-skew-y{syntax:"*";inherits:false}@property --tw-ease{syntax:"*";inherits:false}
