:root{--ink: #0d2b2e;--muted: #526d70;--bg: #ffffff;--paper: #f6faf8;--tint: #e9f4f0;--line: #d3e3de;--brand: #0f766e;--brand-dark: #0a5a54;--deep: #0b3d3a;--deep-2: #082d2b;--mint: #8fd9c9;--sun: #f2a541;--radius: 18px;--radius-sm: 12px;--shadow: 0 18px 50px -28px rgba(11, 61, 58, .45);--font-body: "DM Sans Variable", "DM Sans", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;--font-head: "Fraunces Variable", "Fraunces", Georgia, "Times New Roman", serif;--max: 1160px;--ease: cubic-bezier(.22, .8, .24, 1)}*,*:before,*:after{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:88px;-webkit-text-size-adjust:100%}body{margin:0;font-family:var(--font-body);color:var(--ink);background:var(--bg);line-height:1.65;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}body.menu-open{overflow:hidden}img{max-width:100%;display:block}a{color:inherit;text-decoration:none}ul,ol{margin:0;padding:0;list-style:none}p{margin:0}h1,h2,h3{font-family:var(--font-head);font-weight:500;line-height:1.12;margin:0;letter-spacing:-.015em}h1{font-size:clamp(2.4rem,5.2vw,3.9rem)}h2{font-size:clamp(1.9rem,3.5vw,2.7rem)}h3{font-size:1.25rem;line-height:1.25}:focus-visible{outline:3px solid var(--brand);outline-offset:3px;border-radius:6px}.section-dark :focus-visible,.cta-band :focus-visible,.footer :focus-visible{outline-color:var(--mint)}[hidden]{display:none!important}::selection{background:var(--mint);color:var(--deep)}.skip{position:absolute;left:-9999px;top:0;background:var(--ink);color:#fff;padding:.7rem 1rem;z-index:100;border-radius:0 0 8px}.skip:focus{left:0}.container{width:min(100% - 2.5rem,var(--max));margin-inline:auto}.container.narrow{max-width:780px}.section{padding:clamp(4rem,8vw,6.5rem) 0;position:relative}.section.tight{padding:clamp(2.5rem,5vw,4rem) 0}.section-tint{background:var(--paper)}.section-dark{background:linear-gradient(160deg,var(--deep),var(--deep-2));color:#fff;overflow:hidden}.section-head{max-width:680px;margin-bottom:2.75rem;display:grid;gap:.8rem}.section-head.center{margin-inline:auto;text-align:center;justify-items:center}.section-head.row{max-width:none;display:flex;justify-content:space-between;align-items:end;gap:1.5rem;flex-wrap:wrap}.eyebrow{color:var(--brand);font-weight:600;font-size:.95rem}.section-dark .eyebrow,.cta-band .eyebrow{color:var(--mint)}.lead{font-size:1.12rem;color:var(--muted);max-width:62ch}.section-dark .lead,.cta-band .lead,.section-dark .muted{color:#bcd8d3}.muted{color:var(--muted)}.small{font-size:.9rem}.btn{display:inline-flex;align-items:center;justify-content:center;gap:.55rem;padding:.8rem 1.4rem;border-radius:999px;font-weight:600;font-size:.98rem;border:1.5px solid transparent;cursor:pointer;font-family:inherit;line-height:1.2;transition:background .2s,color .2s,border-color .2s,transform .2s var(--ease),box-shadow .2s}.btn:hover{transform:translateY(-1px)}.btn:active{transform:translateY(0)}.btn svg{transition:transform .25s var(--ease)}.btn:hover svg{transform:translate(3px)}.btn-primary{background:var(--brand);color:#fff;box-shadow:0 10px 24px -14px var(--brand)}.btn-primary:hover{background:var(--brand-dark)}.btn-ghost{border-color:var(--line);background:#fff}.btn-ghost:hover{border-color:var(--brand);color:var(--brand)}.btn-light{background:#fff;color:var(--deep)}.btn-light:hover{background:var(--tint)}.btn-outline-light{border-color:#ffffff80;color:#fff}.btn-outline-light:hover{background:#ffffff1f}.btn-wa{background:#25d366;color:#073b1c}.btn-wa:hover{background:#1fbd5b}.btn-lg{padding:.9rem 1.35rem;font-size:.98rem}.btn-block{width:100%}.btn:disabled{opacity:.65;cursor:progress;transform:none}.btn-row{display:flex;gap:.8rem;flex-wrap:wrap;margin-top:1.6rem}.btn-row.center{justify-content:center}@keyframes rise{0%{opacity:0;transform:translateY(20px)}to{opacity:1;transform:none}}@keyframes unveil{0%{clip-path:inset(0 0 100% 0 round 28px)}to{clip-path:inset(0 0 0 0 round 28px)}}@keyframes pop{0%{opacity:0;transform:translateY(14px) scale(.94)}to{opacity:1;transform:none}}@keyframes bob{0%,to{translate:0 0}50%{translate:0 -7px}}@keyframes drift{0%,to{transform:translate(0) scale(1)}50%{transform:translate(24px,-18px) scale(1.08)}}.anim{animation:rise .8s var(--ease) both;animation-delay:calc(var(--i, 0) * 90ms + 80ms)}.js [data-reveal]{opacity:0;transform:translateY(24px);transition:opacity .7s var(--ease),transform .7s var(--ease);transition-delay:calc(var(--d, 0) * 90ms)}.js [data-reveal].in{opacity:1;transform:none}.site-header{position:sticky;top:0;z-index:50;background:#ffffffd1;backdrop-filter:saturate(1.4) blur(12px);border-bottom:1px solid transparent;transition:border-color .25s,box-shadow .25s,background .25s}.site-header.scrolled{border-color:var(--line);background:#fffffff0;box-shadow:0 8px 30px -22px #0b3d3a80}.header-inner{display:flex;align-items:center;gap:2rem;height:72px}.brand{display:inline-flex;align-items:center;gap:.6rem;font-family:var(--font-head);font-size:1.25rem;font-weight:600;letter-spacing:-.01em}.brand img{border-radius:0}.brand-logo{height:46px;width:auto;display:block}.footer .brand img{background:#fff;border-radius:11px;padding:5px;box-sizing:content-box;width:34px;height:34px}.wordmark{display:inline-flex;flex-direction:column;line-height:1}.wordmark b{font-family:var(--font-body);font-weight:800;font-size:1.45rem;letter-spacing:-.02em}.wordmark i{font-style:normal}.wordmark small{font-family:var(--font-body);font-size:.58rem;font-weight:600;letter-spacing:.34em;text-transform:uppercase;color:#a9cbc6;margin-top:.25rem}.footer .wordmark .my{color:#6db8ff}.footer .wordmark .mk{color:#9be15d}.nav{display:flex;gap:1.7rem;margin-left:auto;font-size:.97rem;font-weight:500}.nav a{color:var(--muted);position:relative;padding:.3rem 0;transition:color .2s}.nav a:not(.nav-cta):after{content:"";position:absolute;left:0;right:0;bottom:-2px;height:2px;background:var(--brand);transform:scaleX(0);transform-origin:left;transition:transform .3s var(--ease)}.nav a:hover{color:var(--ink)}.nav a:hover:after{transform:scaleX(1)}.nav-cta{display:none}.nav-primary{color:var(--brand)!important;font-weight:700}.nav-item{position:relative;display:flex;align-items:center}.nav-item>a{display:inline-flex;align-items:center;gap:.3rem}.nav-item .caret{font-size:.65em;transition:transform .2s ease}.nav-item:hover .caret,.nav-item:focus-within .caret{transform:rotate(180deg)}.dropdown{position:absolute;top:100%;left:50%;transform:translate(-50%,-6px);margin-top:.6rem;background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:0 24px 48px -24px #0b3d3a59;padding:.5rem;min-width:230px;display:flex;flex-direction:column;gap:.1rem;opacity:0;visibility:hidden;transition:opacity .18s ease,transform .18s ease,visibility .18s ease;z-index:60}.dropdown a{color:var(--ink);padding:.6rem .75rem;border-radius:9px;font-size:.92rem;font-weight:500;white-space:nowrap}.dropdown a:after{display:none}.dropdown a:hover{background:var(--tint)}.nav-item:hover .dropdown,.nav-item:focus-within .dropdown{opacity:1;visibility:visible;transform:translate(-50%)}.menu-btn{display:none;background:none;border:0;padding:.5rem;cursor:pointer;margin-left:auto;color:var(--ink)}.menu-btn .ico-close,.menu-btn[aria-expanded=true] .ico-open{display:none}.menu-btn[aria-expanded=true] .ico-close{display:block}.hero{position:relative;padding:clamp(2.5rem,6vw,4.5rem) 0 clamp(4rem,8vw,6rem);overflow:hidden;background:linear-gradient(180deg,var(--tint) 0%,#fff 100%)}.hero-bg:before,.hero-bg:after{content:"";position:absolute;border-radius:50%;filter:blur(60px);opacity:.55;animation:drift 16s ease-in-out infinite}.hero-bg:before{width:420px;height:420px;background:#bfe7dc;top:-120px;right:-80px}.hero-bg:after{width:300px;height:300px;background:#fbe4bd;bottom:-80px;left:-60px;animation-delay:-6s;opacity:.45}.hero-grid{position:relative;display:grid;grid-template-columns:1.08fr 1fr;gap:clamp(2rem,4.5vw,3.5rem);align-items:center}.hero-copy{display:grid;gap:1.25rem;justify-items:start}.hero-copy .btn-row{margin-top:.4rem}.pill{display:inline-flex;align-items:center;gap:.45rem;padding:.4rem .9rem;border-radius:999px;background:#fff;border:1px solid var(--line);color:var(--brand);font-weight:600;font-size:.88rem}.pill-row{display:flex;flex-wrap:wrap;gap:.6rem}.pill-link{text-decoration:none;background:var(--tint);border-color:transparent;transition:border-color .2s,transform .2s var(--ease)}.pill-link:hover{border-color:var(--brand);transform:translateY(-1px)}.hero-points{display:flex;flex-wrap:wrap;gap:.5rem 1.4rem;color:var(--muted);font-size:.95rem}.hero-points li{display:inline-flex;align-items:center;gap:.4rem}.hero-points svg{color:var(--brand)}.hero-secondary{margin-top:1.1rem;font-size:.9rem;color:var(--muted)}.hero-secondary a{color:var(--ink);text-decoration:underline;text-underline-offset:3px}.hero-secondary a:hover{color:var(--brand)}.hero-media{position:relative;padding:0 0 3.2rem}.hero-media:before{content:"";position:absolute;inset:1.5rem -1rem -.5rem 2rem;border-radius:28px;background:linear-gradient(140deg,var(--brand),var(--deep));opacity:.12}.hero-frame{position:relative;border-radius:28px;overflow:hidden;background:var(--tint);box-shadow:var(--shadow)}.hero-frame img{display:block;width:100%;height:auto}.anim-media .hero-frame{animation:unveil 1.1s var(--ease) .15s both}.float-card{position:absolute;background:#fff;border:1px solid var(--line);border-radius:var(--radius-sm);box-shadow:var(--shadow);animation:pop .7s var(--ease) both,bob 7s ease-in-out infinite}.float-a{left:-1.5rem;bottom:-3.2rem;padding:1rem 1.2rem;max-width:270px;animation-delay:.9s,1.6s}.float-a strong{font-family:var(--font-head);font-weight:500;font-size:1.05rem;display:block;margin-bottom:.45rem;line-height:1.25}.float-a li{display:flex;align-items:center;gap:.45rem;font-size:.88rem;color:var(--muted)}.float-a svg{color:var(--brand);flex:none}.float-icon{width:40px;height:40px;border-radius:12px;background:#fdeacb;color:#a35c05;display:grid;place-items:center;flex:none}.trust{background:var(--deep);color:#fff}.trust-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1.5rem;padding:1.8rem 0}.trust-item{display:flex;gap:.9rem;align-items:flex-start}.trust-item strong{display:block;font-weight:600;font-size:1rem}.trust-item p{color:#a9cbc6;font-size:.9rem;line-height:1.45;margin-top:.15rem}.trust .icon-badge{background:#ffffff1a;color:var(--mint);width:44px;height:44px;border-radius:12px}.icon-badge{width:52px;height:52px;border-radius:14px;background:var(--tint);color:var(--brand);display:grid;place-items:center;flex:none;transition:background .25s,color .25s,transform .3s var(--ease)}.about-grid{display:grid;grid-template-columns:1.1fr 1fr;gap:clamp(2rem,6vw,5rem);align-items:center}.about-copy{display:grid;gap:1.1rem}.principles{display:grid;gap:1rem;margin-top:.5rem}.principles li{display:flex;gap:.9rem;align-items:flex-start}.principles strong{display:block}.principles p{color:var(--muted);font-size:.96rem}.tick{width:28px;height:28px;border-radius:50%;background:var(--brand);color:#fff;display:grid;place-items:center;flex:none;margin-top:2px}.advisor{background:#fff;border:1px solid var(--line);border-radius:24px;padding:clamp(1.5rem,3vw,2.2rem);display:grid;gap:1rem;box-shadow:var(--shadow);position:relative;overflow:hidden}.advisor:before{content:"";position:absolute;top:0;left:0;right:0;height:6px;background:linear-gradient(90deg,var(--brand),var(--mint),var(--sun))}.advisor-top{display:flex;align-items:center;gap:1.1rem;padding-top:.4rem}.monogram{width:76px;height:76px;border-radius:22px;background:linear-gradient(140deg,var(--brand),var(--deep));color:#fff;font-family:var(--font-head);font-size:1.8rem;display:grid;place-items:center;flex:none}.advisor-label{font-size:.85rem;color:var(--muted)}.advisor-role{display:inline-flex;align-items:center;gap:.4rem;color:var(--brand);font-weight:600;font-size:.95rem}.advisor .btn-row{margin-top:.6rem}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:1.4rem}.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.8rem;display:grid;gap:.7rem;align-content:start;transition:border-color .25s,transform .3s var(--ease),box-shadow .3s}.card:hover{border-color:var(--brand);transform:translateY(-4px);box-shadow:var(--shadow)}.card p{color:var(--muted);font-size:.98rem}.card-icon:hover .icon-badge{background:var(--brand);color:#fff;transform:rotate(-6deg) scale(1.05)}.card-link{display:inline-flex;align-items:center;gap:.4rem;color:var(--brand);font-weight:600;margin-top:.3rem}.card-link svg{transition:transform .25s var(--ease)}.card:hover .card-link svg{transform:translate(4px)}.card-tag{color:var(--brand);font-weight:600;font-size:.9rem}.card-meta{color:var(--muted);font-size:.85rem}.js .card[data-reveal].in{transition:opacity .7s var(--ease),transform .3s var(--ease),border-color .25s,box-shadow .3s;transition-delay:0s}.tablist{display:inline-flex;flex-wrap:wrap;gap:.4rem;padding:.35rem;background:#fff;border:1px solid var(--line);border-radius:999px;margin-bottom:1.8rem}.tablist button{font:inherit;font-weight:600;font-size:.95rem;padding:.6rem 1.2rem;border-radius:999px;border:0;background:transparent;color:var(--muted);cursor:pointer;transition:background .2s,color .2s}.tablist button:hover{color:var(--ink)}.tablist button[aria-selected=true]{background:var(--brand);color:#fff}.tabpanel{animation:rise .5s var(--ease) both}.stage{display:grid;grid-template-columns:.9fr 1.1fr;gap:clamp(1.5rem,4vw,3.5rem);align-items:center;background:#fff;border:1px solid var(--line);border-radius:24px;padding:clamp(1rem,2.5vw,1.6rem)}.stage-media{border-radius:18px;overflow:hidden;background:var(--tint);align-self:center}.stage-media img{display:block;width:100%;height:auto}.stage-art{width:100%;min-height:280px;display:grid;place-items:center;color:var(--brand);background:radial-gradient(circle at 30% 20%,#fff,var(--tint) 70%)}.stage-art svg{width:84px;height:84px;padding:22px;box-sizing:content-box;border-radius:28px;background:#fff;box-shadow:var(--shadow)}.stage-copy{display:grid;gap:1rem;justify-items:start;padding:.5rem clamp(0rem,1.5vw,1rem) .5rem 0}.stage-copy p{color:var(--muted)}.check-list{display:grid;gap:.6rem}.check-list li{display:flex;gap:.6rem;align-items:flex-start;font-size:.98rem}.check-list svg{color:var(--brand);flex:none;margin-top:4px}.ask{background:var(--tint);border-radius:var(--radius-sm);padding:.9rem 1.1rem;color:var(--ink)!important;font-size:.96rem}.section-dark:before{content:"";position:absolute;width:520px;height:520px;right:-160px;top:-200px;border-radius:50%;background:radial-gradient(circle,rgba(143,217,201,.22),transparent 65%);pointer-events:none}.guidance-grid{position:relative;display:grid;grid-template-columns:1fr 1.02fr;gap:clamp(2rem,6vw,5rem);align-items:start}.guidance-copy{display:grid;gap:1.1rem}.checks{display:grid;gap:.8rem;margin-top:.4rem}.checks li{padding-left:2.1rem;position:relative;font-weight:500}.checks li:before{content:"";position:absolute;left:0;top:1px;width:1.4rem;height:1.4rem;border-radius:50%;background:var(--mint) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230b3d3a' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m5 12 5 5 9-10'/%3E%3C/svg%3E") center/70% no-repeat}.reach{color:#bcd8d3}.reach{display:flex;flex-wrap:wrap;align-items:center;gap:.4rem .9rem}.reach a{display:inline-flex;align-items:center;gap:.4rem;color:#fff;font-weight:600;border-bottom:1px solid rgba(255,255,255,.4)}.form-card{background:#fff;color:var(--ink);border-radius:24px;padding:clamp(1.5rem,3vw,2.4rem);box-shadow:0 30px 70px -30px #0000008c}.form-card .muted{color:var(--muted);margin-top:.35rem}.step-count{color:var(--brand);font-weight:600;font-size:.88rem;margin-bottom:.5rem}form{display:grid;gap:1.05rem;margin-top:1.4rem}.field-row{display:grid;grid-template-columns:1fr 1fr;gap:1rem}label{display:grid;gap:.35rem;font-weight:600;font-size:.92rem}label em{font-weight:400;color:var(--muted);font-style:normal}input[type=text],input[type=tel],select{width:100%;padding:.85rem 1rem;border:1.5px solid var(--line);border-radius:12px;font:inherit;font-weight:400;color:inherit;background:#fff;transition:border-color .2s,box-shadow .2s}input::placeholder{color:#93a8ab}input:hover,select:hover{border-color:#a9c4bd}input:focus,select:focus{border-color:var(--brand);outline:none;box-shadow:0 0 0 4px #0f766e29}input:user-invalid,select:user-invalid{border-color:#c0392b}.hp{position:absolute;left:-9999px;opacity:0;height:0;width:0}.consent{display:flex;gap:.7rem;align-items:flex-start;font-weight:400;font-size:.86rem;color:var(--muted)}.consent a{color:var(--brand);text-decoration:underline}.consent input{margin-top:.2rem;accent-color:var(--brand);width:1.1rem;height:1.1rem;flex:none}.form-error{color:#b42318;font-size:.9rem}.disclaimer{margin-top:1.1rem;font-size:.8rem;color:var(--muted);display:flex;gap:.5rem}.disclaimer svg{flex:none;margin-top:3px}.form-step.done{text-align:center;display:grid;gap:.6rem;justify-items:center;padding:2rem 0;animation:rise .6s var(--ease) both;outline:none}.done-badge{width:72px;height:72px;border-radius:50%;background:var(--brand);color:#fff;display:grid;place-items:center;animation:pop .6s var(--ease) both}.form-card a{color:var(--brand);font-weight:600}.steps{position:relative;display:grid;grid-template-columns:repeat(5,1fr);gap:1.25rem}.steps:before{content:"";position:absolute;left:6%;right:6%;top:22px;height:2px;background:var(--line)}.steps:after{content:"";position:absolute;left:6%;right:6%;top:22px;height:2px;background:var(--brand);transform:scaleX(0);transform-origin:left;transition:transform 1.4s var(--ease) .3s}.js .steps.in:after{transform:scaleX(1)}.no-js .steps:after,html:not(.js) .steps:after{transform:scaleX(1)}.steps li{position:relative;display:grid;gap:.45rem;justify-items:center;text-align:center}.steps p{color:var(--muted);font-size:.95rem;max-width:22ch}.step-dot{position:relative;z-index:1;width:46px;height:46px;border-radius:50%;background:#fff;border:2px solid var(--brand);color:var(--brand);display:grid;place-items:center;font-family:var(--font-head);font-size:1.15rem;font-weight:600;transition:background .3s,color .3s}.steps li:hover .step-dot{background:var(--brand);color:#fff}.terms{display:grid;grid-template-columns:repeat(4,1fr);gap:1rem}.term{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.3rem;display:grid;gap:.5rem;align-content:start;border-top:3px solid var(--brand)}.term h3{font-size:1.12rem}.term p{font-size:.92rem;color:var(--muted)}.term-why{color:var(--ink)!important;padding-top:.55rem;border-top:1px dashed var(--line);margin-top:.2rem}.checklist-grid{display:grid;grid-template-columns:1fr 1.1fr;gap:clamp(2rem,6vw,5rem);align-items:start}.checklist-grid>div:first-child{display:grid;gap:1rem;justify-items:start;position:sticky;top:110px}.checklist{background:#fff;border:1px solid var(--line);border-radius:24px;padding:clamp(1.3rem,3vw,2rem);box-shadow:var(--shadow)}.progress{height:8px;border-radius:99px;background:var(--tint);overflow:hidden}.progress-bar{--p: 0;height:100%;width:100%;background:linear-gradient(90deg,var(--brand),var(--mint));transform:scaleX(var(--p));transform-origin:left;transition:transform .5s var(--ease);border-radius:99px}.progress-label{font-size:.85rem;color:var(--muted);margin:.55rem 0 1rem;font-weight:600}.checklist li+li{border-top:1px solid var(--line)}.checklist label{position:relative;display:flex;gap:.9rem;align-items:center;padding:.85rem .2rem;font-weight:500;cursor:pointer;font-size:.98rem}.checklist input{position:absolute;opacity:0;pointer-events:none}.checklist .box{width:24px;height:24px;border-radius:8px;border:2px solid var(--line);flex:none;display:grid;place-items:center;transition:background .2s,border-color .2s,transform .2s var(--ease)}.checklist .box:after{content:"";width:12px;height:12px;background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m5 12 5 5 9-10'/%3E%3C/svg%3E") center/contain no-repeat;transform:scale(0);transition:transform .25s var(--ease)}.checklist label:hover .box{border-color:var(--brand)}.checklist input:checked+.box{background:var(--brand);border-color:var(--brand);transform:scale(1.06)}.checklist input:checked+.box:after{transform:scale(1)}.checklist input:checked~.txt{color:var(--muted);text-decoration:line-through;text-decoration-color:#526d7080}.checklist input:focus-visible+.box{outline:3px solid var(--brand);outline-offset:2px}.claims-grid{display:grid;grid-template-columns:1.15fr 1fr;gap:clamp(1.5rem,4vw,3.5rem);align-items:start}.claims-tabs .tabpanel{display:grid;gap:1.4rem}.timeline{display:grid;gap:0;position:relative}.timeline li{display:flex;gap:1.1rem;padding-bottom:1.5rem;position:relative}.timeline li:not(:last-child):before{content:"";position:absolute;left:19px;top:40px;bottom:0;width:2px;background:var(--line)}.tl-dot{width:40px;height:40px;border-radius:50%;background:var(--brand);color:#fff;display:grid;place-items:center;font-weight:700;flex:none}.timeline strong{display:block;font-family:var(--font-head);font-weight:500;font-size:1.15rem}.timeline p{color:var(--muted);font-size:.96rem}.claims-side{display:grid;gap:1.2rem}.claims-photo{border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow)}.claims-photo img{display:block;width:100%;height:auto}.partners-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:1.4rem}.partner-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.6rem;display:grid;gap:.6rem;align-content:start}.partner-card h2{font-size:1.15rem;margin:0}.partner-badge{justify-self:start;background:var(--tint);color:var(--brand);font-weight:600;font-size:.8rem;padding:.3rem .7rem;border-radius:999px}@media(max-width:720px){.partners-grid{grid-template-columns:1fr}}.doc-card,.note{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.6rem;display:grid;gap:.9rem;justify-items:start}.doc-card h3{display:flex;gap:.6rem;align-items:center;font-size:1.15rem}.doc-card h3 svg{color:var(--brand)}.note{border-left:4px solid var(--sun);background:#fffaf1}.note p{color:var(--muted)}.faq-grid{display:grid;grid-template-columns:1fr 1.4fr;gap:clamp(2rem,6vw,5rem);align-items:start}.faq-intro{display:grid;gap:1rem;justify-items:start;position:sticky;top:110px}.faq details{background:#fff;border:1px solid var(--line);border-radius:var(--radius-sm);margin-bottom:.7rem;padding:0 1.3rem;transition:border-color .2s,box-shadow .2s}.faq details:hover{border-color:#a9c4bd}.faq details[open]{border-color:var(--brand);box-shadow:var(--shadow)}.faq summary{cursor:pointer;padding:1.1rem 0;font-family:var(--font-head);font-size:1.12rem;list-style:none;display:flex;justify-content:space-between;align-items:center;gap:1rem}.faq summary::-webkit-details-marker{display:none}.faq summary:after{content:"+";flex:none;width:30px;height:30px;border-radius:50%;background:var(--tint);color:var(--brand);display:grid;place-items:center;font-size:1.3rem;line-height:1;transition:transform .3s var(--ease),background .2s,color .2s}.faq details[open] summary:after{transform:rotate(135deg);background:var(--brand);color:#fff}.faq details p{color:var(--muted);padding:0 0 1.3rem;max-width:62ch;animation:rise .45s var(--ease) both}.cta-section{padding-top:clamp(2rem,5vw,3rem)}.cta-band{position:relative;overflow:hidden;background:linear-gradient(150deg,var(--deep),var(--deep-2));color:#fff;border-radius:32px;padding:clamp(3rem,7vw,5rem) 1.5rem;text-align:center;display:grid;gap:1rem;justify-items:center}.cta-band h2,.cta-band .lead,.cta-band .btn-row{position:relative}.cta-glow{position:absolute;inset:-40% -10% auto;height:90%;background:radial-gradient(ellipse at 50% 0%,rgba(143,217,201,.3),transparent 60%);pointer-events:none}.cta-band .eyebrow{position:relative}.footer{background:var(--deep-2);color:#a9cbc6;padding:4rem 0 1.5rem}.footer .brand{color:#fff}.footer-grid{display:grid;grid-template-columns:1.15fr 1fr 1fr 1fr 1fr 1.3fr;gap:1.75rem}.footer-blurb{margin:1rem 0;max-width:34ch;font-size:.95rem}.contact-list{display:grid;gap:.5rem;font-size:.95rem}.contact-list li{display:flex;gap:.55rem;align-items:center}.footer-h{color:#fff;font-weight:600;margin-bottom:.9rem}.footer li{margin-bottom:.5rem;font-size:.95rem}.footer a{transition:color .2s}.footer a:hover{color:#fff}.footer .small{margin-bottom:.8rem;line-height:1.55}.footer-bottom{border-top:1px solid rgba(255,255,255,.12);margin-top:2.5rem;padding-top:1.3rem;font-size:.85rem;display:flex;justify-content:space-between;gap:1rem;flex-wrap:wrap}.legal-links{display:flex;gap:1.2rem}.page-hero{padding:clamp(3rem,7vw,5rem) 0 clamp(1.5rem,3vw,2.5rem);background:linear-gradient(180deg,var(--tint),#fff);display:grid;align-items:center}.page-hero .container{display:grid;gap:1rem;justify-items:start}.page-hero .container.page-hero-grid{max-width:1080px;grid-template-columns:1.05fr .95fr;align-items:center;gap:clamp(1.5rem,4vw,3rem);justify-items:stretch}.page-hero-copy{display:grid;gap:1rem;justify-items:start}.page-hero-media{border-radius:24px;overflow:hidden;background:var(--tint);box-shadow:var(--shadow)}.page-hero-media img{display:block;width:100%;height:auto}@media(max-width:860px){.page-hero .container.page-hero-grid{grid-template-columns:1fr}.page-hero-media{order:-1;max-width:420px;margin-inline:auto}}.back{display:inline-flex;align-items:center;gap:.4rem;color:var(--brand);font-weight:600;font-size:.95rem}.flip{transform:scaleX(-1)}.prose{font-size:1.06rem}.prose section{margin-bottom:2.2rem}.prose h2{font-size:1.6rem;margin-bottom:.8rem}.prose h3{margin-bottom:.3rem}.prose p{color:#33494c;margin-bottom:1rem;line-height:1.75}.prose ul{display:grid;gap:.55rem;margin:0 0 1rem;padding-left:0}.prose ul li{position:relative;padding-left:1.6rem;color:#33494c;line-height:1.65}.prose ul li:before{content:"";position:absolute;left:.2rem;top:.7em;width:8px;height:8px;border-radius:50%;background:var(--brand)}.takeaway{background:var(--tint);border-left:4px solid var(--brand);border-radius:var(--radius-sm);padding:1.3rem 1.5rem;margin:2.5rem 0 1.5rem}.takeaway strong{font-family:var(--font-head);font-weight:500;font-size:1.15rem;display:block;margin-bottom:.3rem}.takeaway p{margin:0}.prose-cta{display:flex;gap:1.5rem;align-items:center;justify-content:space-between;flex-wrap:wrap;margin-top:2.5rem;padding:1.6rem;border:1px solid var(--line);border-radius:var(--radius);background:#fff}.wa-float{position:fixed;right:22px;bottom:22px;z-index:58;display:inline-flex;align-items:center;gap:0;padding:.85rem;border-radius:999px;background:#25d366;color:#073b1c;font-weight:700;font-size:.95rem;box-shadow:0 14px 30px -12px #073b1cb3;transition:transform .25s var(--ease),background .2s;animation:pop .7s var(--ease) 1.6s backwards}.wa-float:before{content:"";position:absolute;inset:0;border-radius:inherit;border:2px solid #25d366;animation:ring 2.8s ease-out 3s infinite;pointer-events:none}.wa-label{max-width:0;overflow:hidden;white-space:nowrap;transition:max-width .35s var(--ease),margin .35s var(--ease)}.wa-float:hover .wa-label,.wa-float:focus-visible .wa-label{max-width:12rem;margin:0 .35rem 0 .6rem}.wa-float:hover{transform:translateY(-2px);background:#1fbd5b}@keyframes ring{0%{transform:scale(1);opacity:.7}to{transform:scale(1.35);opacity:0}}body.menu-open .wa-float{display:none}.cards-5{grid-template-columns:repeat(6,1fr)}.cards-5 .card{grid-column:span 2}.cards-5 .card:nth-child(n+4){grid-column:span 3}@media(max-width:960px){.cards-5{grid-template-columns:repeat(2,1fr)}.cards-5 .card,.cards-5 .card:nth-child(n+4){grid-column:span 1}.cards-5 .card:last-child{grid-column:span 2}}@media(max-width:620px){.cards-5{grid-template-columns:1fr}.cards-5 .card:last-child{grid-column:span 1}}.crumbs ol{display:flex;flex-wrap:wrap;gap:.3rem .5rem;font-size:.88rem;color:var(--muted)}.crumbs li+li:before{content:"›";margin-right:.5rem;color:#9db4b0}.crumbs a{color:var(--brand);font-weight:500}.crumbs a:hover{text-decoration:underline}.crumbs [aria-current]{color:var(--muted)}.byline{display:flex;align-items:center;gap:.9rem;margin-top:.3rem}.byline p{font-size:.92rem;line-height:1.45;color:var(--ink)}.byline span{color:var(--muted);font-size:.86rem}.avatar{width:48px;height:48px;border-radius:50%;object-fit:cover;border:2px solid #fff;box-shadow:0 6px 16px -8px #0b3d3a99;flex:none}.quick-answer{background:linear-gradient(140deg,#eaf4ff,#eef8ee);border:1px solid #cfe3f5;border-left:5px solid var(--brand);border-radius:var(--radius);padding:1.3rem 1.5rem;margin:0 0 1.8rem}.quick-answer p{margin:0;color:var(--ink);font-size:1.05rem;line-height:1.7}.prose .quick-answer p{color:var(--ink);margin:0}.statutory-warning{background:#fff8ec;border:1px solid #f0dfb0;border-left:5px solid #b8860b;border-radius:var(--radius);padding:1rem 1.4rem;margin:1.4rem 0 2rem;font-size:1.05rem}.qa-label{display:inline-flex;align-items:center;gap:.4rem;font-weight:700;font-size:.82rem!important;letter-spacing:.06em;text-transform:uppercase;color:var(--brand)!important;margin-bottom:.5rem!important}.quick-answer.wide{max-width:900px;margin:0 0 2rem}.takeaways{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.2rem 1.5rem;margin:0 0 1.8rem}.prose .takeaways h2{font-size:1.15rem;margin-bottom:.6rem}.prose .takeaways ul{margin:0}.toc{background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);padding:1.1rem 1.5rem;margin:0 0 2.2rem}.toc-title{font-weight:700;font-size:.85rem;letter-spacing:.06em;text-transform:uppercase;color:var(--muted);margin-bottom:.5rem!important}.toc ol{display:grid;gap:.3rem;counter-reset:t}.toc li{counter-increment:t;font-size:.98rem}.toc li:before{content:counter(t) ".";color:var(--brand);font-weight:600;margin-right:.5rem}.toc a{color:var(--ink)}.toc a:hover{color:var(--brand);text-decoration:underline}.prose section[id],.prose .faq-block{scroll-margin-top:96px}.swipe-hint{display:none;font-size:.8rem;color:var(--muted);margin:.8rem 0 -.6rem}@media(max-width:620px){.swipe-hint{display:block}}.table-wrap{overflow-x:auto;margin:1rem 0 1.4rem;border:1px solid var(--line);border-radius:var(--radius-sm);background:#fff}.prose table{width:100%;border-collapse:collapse;font-size:.95rem;min-width:560px}.prose th,.prose td{padding:.8rem 1rem;text-align:left;vertical-align:top;border-bottom:1px solid var(--line);line-height:1.5}.prose thead th{background:var(--tint);font-weight:700;font-size:.85rem;letter-spacing:.02em}.prose tbody th{font-weight:600;background:#fbfdfc}.prose tbody tr:last-child th,.prose tbody tr:last-child td{border-bottom:0}.prose td{color:#33494c}.table-note{font-size:.85rem!important;color:var(--muted)!important;padding:.7rem 1rem;margin:0!important;border-top:1px solid var(--line);background:var(--paper)}.prose ol.steps-list{display:grid;gap:.7rem;counter-reset:n;margin:0 0 1.2rem;padding:0}.prose ol.steps-list li{counter-increment:n;padding-left:2.6rem;position:relative}.prose ol.steps-list li:before{content:counter(n);position:absolute;left:0;top:.05em;width:1.8rem;height:1.8rem;border-radius:50%;background:var(--brand);color:#fff;display:grid;place-items:center;font-weight:700;font-size:.85rem}.faq-block .faq details p{padding-bottom:1.1rem;margin-bottom:0}.prose .faq summary{font-size:1.05rem}.sources{border-top:1px solid var(--line);padding-top:1.5rem;margin-top:2.5rem}.prose .sources h2{font-size:1.15rem}.sources a{color:var(--brand);text-decoration:underline}.author-box{display:flex;gap:1.2rem;align-items:center;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.3rem;margin:1.8rem 0 0}.author-photo{width:84px;height:84px;border-radius:22px;object-fit:cover;flex:none}.author-name{font-family:var(--font-head);font-size:1.2rem;margin-bottom:.1rem!important}.author-role{color:var(--brand)!important;font-weight:600;font-size:.92rem;margin-bottom:.4rem!important}.author-box .muted{font-size:.92rem;margin:0!important}.author-box a{color:var(--brand);text-decoration:underline}.chips{display:flex;flex-wrap:wrap;align-items:center;gap:.6rem;margin-top:1.8rem}.chips-label{display:inline-flex;align-items:center;gap:.35rem;font-weight:600;color:var(--muted);margin-right:.3rem}.chip{padding:.5rem 1rem;border-radius:999px;border:1px solid var(--line);background:#fff;font-weight:600;font-size:.92rem;transition:border-color .2s,color .2s,transform .25s var(--ease)}.chip:hover{border-color:var(--brand);color:var(--brand);transform:translateY(-2px)}.advisor-photo{width:92px;height:92px;border-radius:24px;object-fit:cover;object-position:top;flex:none;box-shadow:0 10px 24px -12px #0b3d3a99}.about-hero-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:clamp(2rem,5vw,4rem);align-items:center;justify-items:stretch}.about-hero-grid>div{display:grid;gap:1rem;justify-items:start}.about-portrait{width:100%;max-width:420px;height:auto;aspect-ratio:4 / 5;object-fit:cover;object-position:top;border-radius:28px;justify-self:center;box-shadow:var(--shadow)}.mobile-bar{display:none}@media(max-width:1040px){.terms{grid-template-columns:repeat(2,1fr)}.footer-grid{grid-template-columns:1fr 1fr}.footer-grid>.footer-legal{grid-column:1 / -1}}@media(max-width:960px){.cards,.trust-grid{grid-template-columns:repeat(2,1fr)}.steps{grid-template-columns:1fr;gap:1.6rem;max-width:420px;margin-inline:auto}.steps:before,.steps:after{inset:22px auto 22px 22px;width:2px;height:auto;transform-origin:top}.steps li{grid-template-columns:46px 1fr;justify-items:start;text-align:left;column-gap:1rem;row-gap:0;align-items:center}.steps li .step-dot{grid-row:span 2}.steps p{max-width:none}.js .steps:after{transform:scaleY(0)}.js .steps.in:after{transform:scaleY(1)}}@media(max-width:860px){.about-hero-grid{grid-template-columns:1fr}.about-portrait{max-width:320px;justify-self:start;order:-1}.hero-grid,.about-grid,.guidance-grid,.claims-grid,.faq-grid,.checklist-grid,.stage{grid-template-columns:1fr}.hero-media{max-width:560px}.float-a{left:.5rem}.checklist-grid>div:first-child,.faq-intro{position:static}.site-header,.site-header.scrolled{backdrop-filter:none;-webkit-backdrop-filter:none;background:#fff}.header-cta{display:none}.menu-btn{display:grid;place-items:center;width:44px;height:44px;border-radius:12px}.menu-btn:hover{background:var(--tint)}.nav{display:none;position:fixed;inset:72px 0 0;background:#fff;flex-direction:column;gap:0;padding:1rem 1.5rem 6rem;margin:0;font-size:1.2rem;overflow-y:auto;overscroll-behavior:contain;z-index:55}.nav.open{display:flex;animation:rise .35s var(--ease) both}.nav a{padding:1rem 0;border-bottom:1px solid var(--line);color:var(--ink)}.nav a:after{display:none}.nav-item{flex-direction:column;align-items:stretch;border-bottom:1px solid var(--line)}.nav-item>a{padding:1rem 0 .5rem;border-bottom:0;justify-content:space-between}.nav-primary{color:var(--brand)!important}.dropdown{position:static;transform:none;opacity:1;visibility:visible;box-shadow:none;border:0;padding:0 0 .75rem .9rem;min-width:0;margin-top:0;background:transparent}.dropdown a{padding:.65rem 0;font-size:1.02rem;color:var(--muted)}.nav-cta{display:inline-flex!important;margin-top:1.2rem;justify-content:center;background:var(--brand);color:#fff!important;border-radius:999px;border:0!important;padding:1rem!important;font-weight:600}body{padding-bottom:62px}.mobile-bar{display:grid;grid-template-columns:1fr 1fr 1.4fr;position:fixed;inset:auto 0 0;z-index:60;background:#fff;border-top:1px solid var(--line);box-shadow:0 -10px 30px -20px #0b3d3a80;padding-bottom:env(safe-area-inset-bottom)}.mobile-bar a{display:flex;gap:.4rem;align-items:center;justify-content:center;padding:1rem .5rem;font-weight:600;font-size:.95rem}.mobile-bar .primary{background:var(--brand);color:#fff}.mobile-bar .wa{color:#0f7a3a}.wa-float{bottom:76px;right:14px;padding:.8rem}.wa-float:hover .wa-label{max-width:0;margin:0}}@media(max-width:620px){.author-box{flex-direction:column;align-items:flex-start}.cards,.terms,.footer-grid,.field-row{grid-template-columns:1fr}.tablist{border-radius:20px;display:flex}.tablist button{flex:1 1 45%}.trust-grid{grid-template-columns:1fr;gap:1.1rem}.hero-frame{border-radius:22px}.float-a{position:relative;left:auto;bottom:auto;margin:-.6rem 1rem 0}.hero-media{padding-bottom:0}}body.menu-open .mobile-bar{display:none}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{animation:none!important;transition:none!important}.js [data-reveal]{opacity:1;transform:none}.js .steps:after{transform:none}}@font-face{font-family:DM Sans Variable;font-style:normal;font-display:swap;font-weight:100 1000;src:url(/_astro/dm-sans-latin-ext-wght-normal.BOFOeGcA.woff2) format("woff2-variations");unicode-range:U+0100-02BA,U+02BD-02C5,U+02C7-02CC,U+02CE-02D7,U+02DD-02FF,U+0304,U+0308,U+0329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF}@font-face{font-family:DM Sans Variable;font-style:normal;font-display:swap;font-weight:100 1000;src:url(/_astro/dm-sans-latin-wght-normal.Xz1IZZA0.woff2) format("woff2-variations");unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}@font-face{font-family:Fraunces Variable;font-style:normal;font-display:swap;font-weight:100 900;src:url(/_astro/fraunces-vietnamese-wght-normal.CnvboYUG.woff2) format("woff2-variations");unicode-range:U+0102-0103,U+0110-0111,U+0128-0129,U+0168-0169,U+01A0-01A1,U+01AF-01B0,U+0300-0301,U+0303-0304,U+0308-0309,U+0323,U+0329,U+1EA0-1EF9,U+20AB}@font-face{font-family:Fraunces Variable;font-style:normal;font-display:swap;font-weight:100 900;src:url(/_astro/fraunces-latin-ext-wght-normal.Ca2vKHc0.woff2) format("woff2-variations");unicode-range:U+0100-02BA,U+02BD-02C5,U+02C7-02CC,U+02CE-02D7,U+02DD-02FF,U+0304,U+0308,U+0329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF}@font-face{font-family:Fraunces Variable;font-style:normal;font-display:swap;font-weight:100 900;src:url(/_astro/fraunces-latin-wght-normal.ukD16Tqj.woff2) format("woff2-variations");unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}
