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var(--line);background:#ffffffe0;position:sticky;top:0}.top-inner{justify-content:space-between;align-items:center;gap:16px;padding:14px 0;display:flex}.brand{align-items:center;gap:14px;min-width:0;display:flex}.brand img{width:auto;height:44px}.reg-line{color:var(--navy-700);border-left:1px solid var(--line);flex-direction:column;padding-left:14px;font-size:11px;font-weight:600;line-height:1.3;display:flex}.reg-line span{white-space:nowrap}.reg-line span+span{color:var(--muted);font-weight:500}.top-nav{align-items:center;gap:6px;display:flex}.top-nav a{color:var(--ink-500);border-radius:8px;padding:10px 14px;font-size:14px;font-weight:600;transition:color .15s,background .15s}.top-nav a:hover{color:var(--green-700);background:var(--green-050)}.top-cta{align-items:center;gap:10px;display:flex}.menu-btn{background:var(--panel);border-radius:10px;justify-content:center;align-items:center;width:42px;height:42px;display:none}.menu-btn 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var(--green-700));color:#0000;-webkit-background-clip:text;background-clip:text}.hero-sub{color:var(--ink-500);max-width:560px;margin-top:22px;font-size:18px;line-height:1.6}.hero-sub strong{color:var(--navy-900);font-weight:600}.hero-points{grid-template-columns:repeat(3,1fr);gap:14px;max-width:640px;margin-top:36px;display:grid}.hero-point{border:1px solid var(--line);box-shadow:var(--shadow-sm);background:#fff;border-radius:16px;padding:18px}.hero-point .label{color:var(--green-700);letter-spacing:.1em;text-transform:uppercase;align-items:center;gap:8px;font-size:11px;font-weight:700;display:flex}.hero-point .label:before{content:"";background:var(--green-600);border-radius:50%;width:6px;height:6px}.hero-point p{color:var(--ink-500);margin-top:8px;font-size:13.5px;line-height:1.5}.hero-cta-row{flex-wrap:wrap;align-items:center;gap:12px;margin-top:36px;display:flex}.hero-micro{color:var(--muted);max-width:520px;margin-top:18px;font-size:12.5px;line-height:1.55}.hero-art{border-radius:var(--radius-xl);border:1px solid var(--line);box-shadow:var(--shadow-lg);background:linear-gradient(160deg,#fff,#eef4fb 90%);flex-direction:column;justify-content:space-between;min-height:460px;padding:32px;display:flex;position:relative}.hero-art .art-head{justify-content:space-between;align-items:center;display:flex}.hero-art .art-title{color:var(--muted);letter-spacing:.08em;text-transform:uppercase;font-size:12px;font-weight:600}.hero-art .art-tag{color:var(--navy-700);background:var(--panel-2);letter-spacing:.05em;text-transform:uppercase;border-radius:6px;padding:5px 10px;font-size:10.5px;font-weight:700}.hero-art .ring{align-self:center;width:280px;height:280px;margin:8px 0;position:relative}.hero-art 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(max-width:960px){.hero{padding:56px 0 72px}.hero-grid{grid-template-columns:1fr;gap:48px}.hero-points{grid-template-columns:1fr;max-width:100%}.hero-art{min-height:auto}.hero-art .ring{width:240px;height:240px}}.section{padding:100px 0}.section-head{text-align:center;max-width:820px;margin:0 auto 56px}.section-head .eyebrow{margin-bottom:18px}.section-head p{color:var(--ink-500);margin-top:16px;font-size:17px}@media (max-width:768px){.section{padding:72px 0}}.problem{background:var(--panel)}.problem-grid{grid-template-columns:1.05fr .95fr;align-items:start;gap:56px;display:grid}.problem h2 span.mark{background:linear-gradient(#0000 60%,#1f9a3229 60%);padding:0 4px}.problem-list{flex-direction:column;gap:14px;margin-top:28px;display:flex}.problem-list li{border:1px solid var(--line);color:var(--ink-700);background:#fff;border-radius:14px;align-items:flex-start;gap:14px;padding:14px 16px;font-size:15.5px;list-style:none;display:flex}.problem-list li 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#e2b7ac}.pv-col.structured{background:#eef7ef;border:1px solid #cae4cd}.pv-col h6{letter-spacing:.1em;text-transform:uppercase;color:var(--navy-900);opacity:.7;margin-bottom:14px;font-size:11px}.pv-col.scattered h6{color:#a34a2e}.pv-col.structured h6{color:var(--green-700)}.scatter{position:absolute;inset:36px 12px 12px}.scatter .tile{color:#7a3a25;background:#fff;border:1px solid #f0d3c9;border-radius:8px;padding:6px 10px;font-size:11px;font-weight:600;position:absolute;box-shadow:0 2px 6px #a34a2e14}.pv-col.structured .stack{flex-direction:column;gap:8px;margin-top:6px;display:flex}.pv-col.structured .stack .bar{height:36px;color:var(--navy-900);background:#fff;border:1px solid #d3e6d6;border-radius:8px;align-items:center;gap:10px;padding:0 12px;font-size:12.5px;font-weight:500;display:flex}.pv-col.structured .stack .bar .sw{border-radius:3px;flex:none;width:10px;height:10px}.pv-col.structured .stack .bar .pct{color:var(--navy-700);font-variant-numeric:tabular-nums;margin-left:auto;font-size:12px;font-weight:600}@media (max-width:900px){.problem-grid{grid-template-columns:1fr;gap:36px}.pv-cols{grid-template-columns:1fr}}.framework-timeline{grid-template-columns:repeat(4,1fr);gap:24px;margin-top:32px;display:grid;position:relative}.framework-timeline:before{content:"";background:repeating-linear-gradient(90deg, var(--line-2) 0 8px, transparent 8px 16px);z-index:0;height:2px;position:absolute;top:32px;left:6%;right:6%}.step-card{z-index:1;border:1px solid var(--line);box-shadow:var(--shadow-sm);background:#fff;border-radius:20px;flex-direction:column;gap:14px;padding:24px;display:flex;position:relative}.step-num{background:linear-gradient(160deg,var(--navy-700),var(--navy-900));color:#fff;letter-spacing:.02em;width:56px;height:56px;box-shadow:inset 0 -2px 0 #00000026, 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var(--line);box-shadow:var(--shadow-md);background:#fff;border-radius:24px;margin-top:8px;padding:32px}.formula-row{grid-template-columns:repeat(3,1fr);gap:14px;margin-bottom:22px;display:grid}.chip{text-align:center;border:1px solid var(--line);background:linear-gradient(#f7faff,#eaf2fb);border-radius:14px;padding:18px 16px}.chip .k{letter-spacing:.1em;text-transform:uppercase;color:var(--navy-700);font-size:11px;font-weight:600}.chip .v{color:var(--navy-900);margin-top:6px;font-size:14.5px;font-weight:600}.formula-arrow{text-align:center;color:var(--muted);margin:8px 0 14px;font-size:20px}.formula-result{text-align:center;background:linear-gradient(180deg,var(--green-050),#dcefe0);border:1px solid #b8dcbe;border-radius:14px;padding:22px}.formula-result .k{letter-spacing:.1em;text-transform:uppercase;color:var(--green-700);font-size:11px;font-weight:700}.formula-result .v{color:var(--green-700);margin-top:6px;font-size:18px;font-weight:600}.model-disclaimer{background:var(--panel-3);border:1px dashed var(--line-2);color:var(--ink-500);border-radius:12px;margin-top:24px;padding:16px 18px;font-size:13px;line-height:1.55}@media (max-width:900px){.model-grid{grid-template-columns:1fr;gap:36px}.formula-row{grid-template-columns:1fr}}.pillars{grid-template-columns:repeat(4,1fr);gap:20px;display:grid}.pillar{border:1px solid var(--line);background:#fff;border-radius:22px;flex-direction:column;gap:14px;min-height:220px;padding:28px;transition:transform .2s,box-shadow .2s,border-color .2s;display:flex}.pillar:hover{box-shadow:var(--shadow-md);border-color:var(--muted-2);transform:translateY(-2px)}.pillar .badge{background:var(--panel);width:52px;height:52px;color:var(--navy-700);border-radius:14px;justify-content:center;align-self:flex-start;align-items:center;display:flex}.pillar h4{letter-spacing:-.01em;text-transform:uppercase;color:var(--navy-900);font-size:16px;font-weight:700}.pillar .reg{color:var(--green-700);letter-spacing:.02em;font-family:Switzer,monospace;font-size:14px;font-weight:600}.pillar p{color:var(--ink-500);margin-top:auto;font-size:14px;line-height:1.55}@media (max-width:900px){.pillars{grid-template-columns:1fr 1fr}}@media (max-width:560px){.pillars{grid-template-columns:1fr}}.expect{color:#f3f7fd;background:linear-gradient(#0a4272 0%,#002c51 100%)}.expect *{color:inherit}.expect .eyebrow{color:#a6d8ae;background:#ffffff14;border-color:#1f9a3259}.expect h2{color:#fff}.expect p{color:#c9d8e6}.expect-grid{grid-template-columns:1.15fr .85fr;align-items:start;gap:56px;display:grid}.expect-list{flex-direction:column;gap:16px;margin-top:8px;display:flex}.expect-item{background:#ffffff0a;border:1px solid #ffffff14;border-radius:18px;grid-template-columns:auto 1fr;align-items:start;gap:20px;padding:22px;display:grid}.expect-item .ic{color:#7ce690;background:#1f9a322e;border-radius:12px;justify-content:center;align-items:center;width:44px;height:44px;display:flex}.expect-item h4{color:#fff;letter-spacing:.02em;text-transform:uppercase;font-size:16px}.expect-item p{color:#a6b7cb;margin-top:4px;font-size:14.5px}.expect-cta{background:linear-gradient(#ffffff0f,#ffffff05);border:1px solid #ffffff1a;border-radius:24px;padding:36px}.expect-cta h3{color:#fff;margin-bottom:12px;font-size:22px;line-height:1.3}.expect-cta p{margin-bottom:24px;font-size:15px}@media (max-width:900px){.expect-grid{grid-template-columns:1fr;gap:32px}}.fees-card{border-radius:var(--radius-xl);border:1px solid var(--line);max-width:920px;box-shadow:var(--shadow-md);background:#fff;margin:0 auto;overflow:hidden}.fees-head{color:#fff;background:linear-gradient(120deg,#002c51,#0a4272);flex-wrap:wrap;justify-content:space-between;align-items:center;gap:20px;padding:32px 40px;display:flex}.fees-head h3{color:#fff;margin:0;font-size:22px}.fees-head .badge2{letter-spacing:.1em;text-transform:uppercase;color:#fff;background:#ffffff1f;border-radius:8px;padding:6px 12px;font-size:11px;font-weight:600}.fees-body{padding:40px}.fees-row{border-bottom:1px solid var(--line);grid-template-columns:1fr 1.4fr;align-items:baseline;gap:20px;padding:20px 0;display:grid}.fees-row:last-child{border-bottom:0}.fees-row .k{color:var(--muted);letter-spacing:.06em;text-transform:uppercase;font-size:13px;font-weight:600}.fees-row .v{color:var(--navy-900);font-size:15.5px;line-height:1.5}.placeholder{color:#7a5a00;letter-spacing:.02em;background:#fff8dc;border:1px dashed #d4b437;border-radius:6px;padding:4px 10px;font-family:ui-monospace,SFMono-Regular,Menlo,monospace;font-size:12.5px;font-weight:600;display:inline-block}.fees-note{background:var(--panel);color:var(--ink-500);border-radius:12px;margin-top:20px;padding:16px 18px;font-size:13.5px;line-height:1.55}@media (max-width:640px){.fees-body{padding:24px}.fees-row{grid-template-columns:1fr;gap:6px;padding:16px 0}}.relevant-list{grid-template-columns:repeat(2,1fr);gap:16px;max-width:1000px;margin:0 auto;display:grid}.relevant-list .item{border:1px solid var(--line);background:#fff;border-radius:18px;grid-template-columns:auto 1fr;align-items:start;gap:16px;padding:22px 24px;transition:transform .15s,border-color .2s;display:grid}.relevant-list .item:hover{border-color:var(--green-600);transform:translateY(-1px)}.check{background:var(--green-050);width:34px;height:34px;color:var(--green-700);border-radius:50%;flex:none;justify-content:center;align-items:center;display:flex}.relevant-list .item p{color:var(--navy-900);font-size:15.5px;font-weight:500;line-height:1.55}@media (max-width:768px){.relevant-list{grid-template-columns:1fr}}.faq-wrap{max-width:900px;margin:0 auto}.faq-item{border-bottom:1px solid var(--line)}.faq-q{text-align:left;width:100%;color:var(--navy-900);justify-content:space-between;align-items:center;gap:20px;padding:24px 4px;font-size:17px;font-weight:600;display:flex}.faq-icon{background:var(--panel);width:36px;height:36px;color:var(--navy-700);border-radius:10px;flex:none;justify-content:center;align-items:center;transition:background .2s,color .2s,transform .2s;display:flex}.faq-item.open .faq-icon{background:var(--green-600);color:#fff;transform:rotate(180deg)}.faq-a{grid-template-rows:0fr;transition:grid-template-rows .3s;display:grid}.faq-item.open .faq-a{grid-template-rows:1fr}.faq-a-clip{min-height:0;overflow:hidden}.faq-a-inner{color:var(--ink-500);max-width:760px;padding:0 4px 24px;font-size:15.5px;line-height:1.65}.form-section{background:var(--panel)}.form-card{border-radius:var(--radius-xl);border:1px solid var(--line);max-width:960px;box-shadow:var(--shadow-lg);background:#fff;margin:0 auto;overflow:hidden}.form-head{border-bottom:1px solid var(--line);background:linear-gradient(#f9fbff,#fff);padding:36px 40px 28px}.form-head h2{margin-bottom:10px}.form-head p{color:var(--ink-500);max-width:640px;font-size:15.5px}.form-body{padding:36px 40px}.field{margin-bottom:28px}.field-label{color:var(--navy-900);margin-bottom:12px;font-size:14px;font-weight:600;display:block}.field-label .req{color:var(--green-700);margin-left:4px}.field-label .helper{color:var(--muted);margin-top:4px;font-size:13px;font-weight:500;display:block}.opt-grid{grid-template-columns:repeat(2,1fr);gap:10px;display:grid}.opt{border:1px solid var(--line);cursor:pointer;color:var(--navy-900);background:#fff;border-radius:12px;align-items:center;gap:12px;padding:14px 16px;font-size:14.5px;font-weight:500;transition:border-color .15s,background .15s;display:flex}.opt input{opacity:0;pointer-events:none;position:absolute}.opt .radio{border:1.5px solid 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