.skip{z-index:200;background:var(--navy);color:#fff;font-family:var(--mono);border-radius:0 0 10px;padding:12px 18px;font-size:.8rem;position:absolute;top:0;left:-999px}.skip:focus{left:0}.section{padding:var(--pad) 0}.section--navy{background:linear-gradient(165deg,var(--navy),var(--navy-deep));color:#fff}.section--mist{background:var(--mist)}.section--paper{background:var(--paper)}.section--navy .eyebrow{color:var(--blue-bright)}h1,h2,h3{font-family:var(--display);letter-spacing:-.01em;color:var(--ink);font-weight:500;line-height:1.08}.section--navy h1,.section--navy h2,.section--navy h3{color:#fff}h1{font-size:clamp(2.5rem,5.4vw,4rem)}h2{font-size:clamp(2rem,3.6vw,2.85rem)}h3{letter-spacing:0;font-size:1.28rem}em.hi{color:var(--blue);font-style:italic;font-weight:500}.section--navy em.hi{color:var(--blue-lift)}.lede{color:var(--muted);max-width:46ch;margin-top:22px;font-size:1.16rem}.section--navy .lede{color:#c9dcf0}.mono{font-family:var(--mono);font-variant-numeric:tabular-nums}.section--navy .btn-ghost{color:#fff;border-color:#ffffff47}.section--navy .btn-ghost:hover{border-color:#fff}.hero{background:linear-gradient(180deg,var(--mist) 0%,var(--paper) 100%)}.hero-grid{grid-template-columns:1.05fr .95fr;align-items:start;gap:56px;display:grid}.hero-grid>:last-child{align-self:center}.hero .eyebrow{display:block}.hero-cta{flex-wrap:wrap;gap:14px;margin-top:34px;display:flex}.readout{background:var(--paper);border:1px solid var(--border);width:100%;max-width:440px;box-shadow:0 24px 60px -32px color-mix(in srgb, var(--navy) 40%, transparent);border-radius:16px;margin-left:auto;padding:22px 24px}.readout-head{flex-wrap:wrap;justify-content:space-between;align-items:center;gap:8px 12px;margin-bottom:14px;display:flex}@media (width<=420px){.readout-head .eyebrow{letter-spacing:.12em}.readout .stage-label{letter-spacing:.06em;font-size:.64rem}}.tag{font-family:var(--mono);letter-spacing:.14em;text-transform:uppercase;color:var(--muted);border:1px solid var(--border);border-radius:999px;padding:4px 10px;font-size:11px}.stage-label{font-family:var(--mono);letter-spacing:.14em;text-transform:uppercase;color:var(--muted);font-size:.68rem}.stage-num{font-family:var(--mono);color:var(--navy);letter-spacing:-.02em;font-size:2.05rem;font-weight:500}.split{flex-direction:column;gap:11px;margin-top:4px;display:flex}.va-grid{grid-template-columns:1fr 1fr;gap:14px 18px;display:grid}.va-cell{flex-direction:column;justify-content:space-between;gap:4px;min-width:0;display:flex}.va-cell .stage-num{font-size:1.75rem;line-height:1.1}.va-income{color:var(--green)}@media (width<=400px){.va-cell .stage-num{font-size:1.4rem}}@media (width<=420px){.va-grid{grid-template-columns:1fr;gap:10px}.va-cell .stage-num{white-space:nowrap;font-size:1.4rem}}.va-bar{background:var(--mist);border:1px solid var(--border);border-radius:99px;height:12px;margin:12px 0 8px;position:relative;overflow:hidden}.va-fill{background:linear-gradient(90deg,var(--blue),var(--green));border-radius:99px;width:0;height:100%}.va-anchors{justify-content:space-between;gap:12px;display:flex}.va-anchor{flex-direction:column;gap:2px;display:flex}.va-anchor.right{text-align:right}.va-a-lab{font-family:var(--mono);letter-spacing:.1em;text-transform:uppercase;color:var(--muted);font-size:9.5px}.va-anchor b{color:var(--navy);font-family:var(--mono);font-size:14px;font-weight:600}.va-drivers{gap:7px;display:grid}.va-driver{color:var(--muted);align-items:center;gap:11px;font-size:14px;transition:color .3s;display:flex}.va-driver.on{color:var(--ink)}.va-driver .d-check{border:2px solid var(--border);border-radius:50%;flex:none;width:19px;height:19px;transition:background .3s,border-color .3s;position:relative}.va-driver.on .d-check{background:var(--green);border-color:var(--green)}.va-driver.on .d-check:after{content:"";border:2px solid #fff;border-width:0 2px 2px 0;width:4px;height:8px;position:absolute;top:2.5px;left:5.5px;transform:rotate(45deg)}.mw-slider-wrap{margin-top:14px}.mw-slider-lab{font-family:var(--mono);letter-spacing:.05em;text-transform:uppercase;color:var(--muted);justify-content:space-between;align-items:baseline;margin-bottom:9px;font-size:11px;display:flex}.mw-slider-lab b{color:var(--navy);font-size:13px;font-weight:600}.mw-slider{appearance:none;background:#e7eef6;border-radius:999px;outline:none;width:100%;height:6px;margin:0}.mw-slider::-webkit-slider-thumb{appearance:none;background:var(--navy);cursor:grab;border:3px solid #fff;border-radius:50%;width:22px;height:22px;transition:transform .12s;box-shadow:0 2px 9px #0f487f66}.mw-slider:active::-webkit-slider-thumb{cursor:grabbing;transform:scale(1.12)}.mw-slider::-moz-range-thumb{background:var(--navy);cursor:grab;border:3px solid #fff;border-radius:50%;width:22px;height:22px;box-shadow:0 2px 9px #0f487f66}.mw-slider:focus-visible{outline:2px solid var(--blue);outline-offset:4px;border-radius:999px}.contrast-grid{grid-template-columns:1fr 1fr;gap:24px;margin-top:46px;display:grid}.panel{background:#ffffff0a;border:1px solid #ffffff1f;border-radius:18px;padding:30px}.panel.with{background:color-mix(in srgb, var(--blue-lift) 7%, transparent);border-color:color-mix(in srgb, var(--blue-lift) 28%, transparent)}.chip{font-family:var(--mono);letter-spacing:.13em;text-transform:uppercase;border-radius:999px;align-items:center;gap:7px;margin-bottom:18px;padding:5px 11px;font-size:.66rem;font-weight:500;display:inline-flex}.chip.caution{background:var(--amber-soft);color:var(--amber)}.chip.good{background:var(--green-soft);color:var(--green)}.panel h3{color:#fff;margin-bottom:16px}.panel ul{flex-direction:column;gap:13px;list-style:none;display:flex}.panel li{color:#c9dcf0;gap:11px;font-size:.98rem;line-height:1.45;display:flex}.panel li .mk{border-radius:50%;flex:none;place-items:center;width:18px;height:18px;margin-top:2px;font-size:.7rem;font-weight:700;display:grid}.panel li .mk.x{background:color-mix(in srgb, var(--amber) 18%, transparent);color:var(--amber-lift)}.panel li .mk.v{background:color-mix(in srgb, var(--green) 20%, transparent);color:var(--green-lift)}.panel.xcard{position:relative}.xgrid .panel.xcard h3{margin-bottom:0}.xgrid .panel.is-open .fdetail,.xgrid .panel:focus-visible .fdetail{max-height:40em;margin-top:18px}@media (hover:hover) and (pointer:fine){.xgrid .panel:hover .fdetail{max-height:40em;margin-top:18px}}@media (hover:none),(pointer:coarse){.panel.xcard:after{filter:brightness(0)invert()}}.head-center{text-align:left;max-width:62ch;margin:0}.head-center .lede{margin-left:0;margin-right:auto}.cards{grid-template-columns:repeat(3,1fr);gap:22px;margin-top:52px;display:grid}@media (width>=1101px){#cover .cards{grid-template-columns:repeat(4,1fr)}}@media (width>=921px) and (width<=1100px){#cover .cards{grid-template-columns:repeat(2,1fr)}}#cover .card,#how-it-works .card{position:relative}@media (hover:none),(pointer:coarse){#how-it-works .xgrid .card:not(.is-open):hover,#cover .xgrid .card:not(.is-open):hover{box-shadow:none!important}}.card-num{font-family:var(--mono);letter-spacing:.16em;color:var(--blue);font-size:.74rem;font-weight:500}.card h3{margin:14px 0 9px}.card p{color:var(--muted);font-size:.96rem}.row{grid-template-columns:1fr 1fr;align-items:center;gap:60px;display:grid}.row+.row{margin-top:var(--pad)}.row.flip .row-media{order:-1}.row-text h2{margin-bottom:18px}.row-text p{color:var(--muted);margin-bottom:14px;font-size:1.04rem}.section--mist .row-text p{color:var(--muted)}.viz.is-focus .vnw-seg:not(.is-on),.viz.is-focus .vphase-seg:not(.is-on){opacity:.35}.vchart{height:var(--vh,200px);padding-bottom:22px;position:relative}.vbars{grid-template-columns:repeat(var(--n),1fr);align-items:end;gap:16px;display:grid;position:absolute;inset:0 0 22px}.vbar{height:var(--h);transform-origin:50% 100%;flex-direction:column;justify-content:flex-end;display:flex;position:relative}.vfill{background:linear-gradient(#8db8e4,#4f8fd2);border-radius:10px 10px 4px 4px;flex:1;width:100%;display:block;box-shadow:inset 0 1px #ffffff73}.vbar.is-you .vfill{background:linear-gradient(#4fb487,#1f7a53)}.vbar .vtop{text-align:center;color:var(--navy);white-space:nowrap;font-family:IBM Plex Mono,monospace;font-size:12px;font-weight:600;position:absolute;top:-22px;left:0;right:0}.vbar.is-you .vtop{color:var(--green)}.vbar em{text-align:center;color:#6a7784;white-space:nowrap;font-family:IBM Plex Mono,monospace;font-size:10.5px;font-style:normal;position:absolute;bottom:-20px;left:0;right:0}.vbar.is-on .vfill{filter:saturate(1.2)brightness(1.05);box-shadow:0 12px 24px -10px #0f487f8c}.viz.js .vbar{transition:transform .9s cubic-bezier(.2,.9,.3,1) calc(var(--i,0) * .11s),opacity .3s ease;transform:scaleY(.02)}.viz.js.in .vbar{transform:scaleY(1)}.viz.js.in .vbar.is-on{transform:translateY(-4px)}.viz.js .vbar .vtop{opacity:0;transition:opacity .4s ease calc(.7s + var(--i,0) * .11s)}.viz.js.in .vbar .vtop{opacity:1}.vlist{flex-direction:column;gap:6px;margin:0;padding:0;list-style:none;display:flex}.vlist li{background:var(--mist);color:#33414f;border-radius:12px;grid-template-columns:auto 1fr;align-items:baseline;gap:14px;padding:10px 12px 10px 16px;font-size:14px;line-height:1.45;display:grid;position:relative}.vlist li:before{content:"";background:var(--blue-bright);border-radius:3px;width:3px;transition:transform .3s;position:absolute;top:10px;bottom:10px;left:0;transform:scaleY(0)}.vlist li.is-on{background:#eaf2fb;transform:translate(4px)}.vlist li.is-on:before{transform:scaleY(1)}.vlist .vk{color:var(--navy);min-width:6.6em;font-family:IBM Plex Mono,monospace;font-size:12.5px;font-weight:600}.vlist .vk.is-good{color:var(--green)}.vlist .vk.is-next{color:#6a7784}.vlist--two{grid-template-columns:1fr 1fr;gap:6px;display:grid}.vlist--two .vk{align-items:center;gap:8px;min-width:0;display:inline-flex}.viz .vphase+.vlist,.viz .vdial+.vlist,.viz .vnw+.vlist{margin-top:14px}.vphase{grid-template-columns:repeat(3,1fr);gap:6px;padding-bottom:22px;display:grid}.vphase-seg{background:#e2eaf3;border-radius:999px;height:16px;transition:opacity .3s;position:relative}.vphase-seg i{width:var(--p);background:linear-gradient(90deg,#8db8e4,#1460a9);border-radius:999px;position:absolute;top:0;bottom:0;left:0}.vphase-seg.is-done i{background:linear-gradient(90deg,#86d5ae,#1f7a53)}.vphase-seg em{text-align:center;color:#6a7784;white-space:nowrap;font-family:IBM Plex Mono,monospace;font-size:10.5px;font-style:normal;position:absolute;top:22px;left:0;right:0}.vphase-today{top:50%;left:var(--p);background:var(--navy);border:2px solid #fff;border-radius:50%;width:14px;height:14px;margin:-7px 0 0 -7px;animation:2.4s ease-out infinite vpulse;position:absolute}.vphase-seg.is-on{box-shadow:0 0 0 3px #7faad859}@keyframes vpulse{0%{box-shadow:0 0 #1460a973}70%{box-shadow:0 0 0 10px #1460a900}to{box-shadow:0 0 #1460a900}}.viz.js .vphase-seg i{width:0;transition:width .8s cubic-bezier(.3,.8,.3,1) calc(.1s + var(--i,0) * .75s)}.viz.js.in .vphase-seg i{width:var(--p)}.viz.js .vphase-today{opacity:0;transition:opacity .4s 1.7s}.viz.js.in .vphase-today{opacity:1}.vdial{max-width:300px;margin:0 auto}.vdial svg{width:100%;height:auto;display:block;overflow:visible}.vdial-track,.vdial-arc{fill:none;stroke-width:14px;stroke-linecap:round}.vdial-track{stroke:#e2eaf3}.vdial-arc{stroke-dasharray:1 1;stroke-dashoffset:calc(1 - var(--v))}.vdial-needle{transform-box:view-box;transform-origin:100px 100px;transform:rotate(calc(-90deg + 180deg * var(--v)))}.vdial-needle line{stroke:var(--navy);stroke-width:4px;stroke-linecap:round}.vdial-needle circle{fill:var(--navy);stroke:#fff;stroke-width:3px}.vdial-foot{color:#6a7784;justify-content:space-between;margin-top:6px;font-family:IBM Plex Mono,monospace;font-size:10.5px;display:flex}.viz.js .vdial-arc{stroke-dashoffset:1px;transition:stroke-dashoffset 1.6s cubic-bezier(.3,.8,.3,1) .15s}.viz.js.in .vdial-arc{stroke-dashoffset:calc(1 - var(--v))}.viz.js .vdial-needle{transition:transform 1.6s cubic-bezier(.3,1.25,.4,1) .15s;transform:rotate(-90deg)}.viz.js.in .vdial-needle{transform:rotate(calc(-90deg + 180deg * var(--v)))}.viz.in.is-focus .vdial-needle{animation:1.4s ease-in-out infinite vnudge}@keyframes vnudge{50%{transform:rotate(calc(-84deg + 180deg * var(--v)))}}.vrows{flex-direction:column;gap:10px;display:flex}.vrow{border-radius:12px;padding:8px 10px}.vrow-top{color:#33414f;justify-content:space-between;align-items:baseline;gap:12px;margin-bottom:7px;font-size:14px;display:flex}.vrow-top b{color:var(--navy);white-space:nowrap;font-family:IBM Plex Mono,monospace;font-size:13px}.vrow.is-best .vrow-top b{color:var(--green)}.vrow-bar{background:#e2eaf3;border-radius:999px;height:14px;display:flex;overflow:hidden}.vrow-bar i{width:var(--d);background:linear-gradient(90deg,#8db8e4,#1460a9);height:100%;display:block}.vrow-bar i.is-2{background:linear-gradient(90deg,#4fb487,#1f7a53)}.vrow.is-on{background:var(--mist)}.vrow-legend{color:#33414f;flex-wrap:wrap;gap:6px 18px;margin-top:12px;font-size:12.5px;display:flex}.vrow-legend i{vertical-align:-1px;background:#1460a9;border-radius:3px;width:10px;height:10px;margin-right:6px;display:inline-block}.vrow-legend i.is-2{background:#1f7a53}.viz.js .vrow-bar i{width:0;transition:width 1s cubic-bezier(.2,.9,.3,1) calc(var(--i,0) * .15s)}.viz.js .vrow-bar i.is-2{transition-delay:calc(.5s + var(--i,0) * .15s)}.viz.js.in .vrow-bar i{width:var(--d)}.vnw{gap:3px;height:46px;display:flex}.vnw-seg{flex:0 0 calc(var(--w) - 3px);color:#fff;cursor:default;border-radius:10px;justify-content:center;align-items:center;font-family:IBM Plex Mono,monospace;font-size:12px;transition:opacity .3s,transform .35s cubic-bezier(.2,.8,.3,1),box-shadow .3s;display:flex}.s1{background:linear-gradient(#2c6cb0,#0f487f)}.s2{background:linear-gradient(#5e9bd6,#1460a9)}.s3{background:linear-gradient(#4fb487,#1f7a53)}.s4{background:linear-gradient(#8796a6,#5c6b7b)}.vnw-seg b{white-space:nowrap;font-weight:600}.vnw-seg.is-on{transform:translateY(-4px);box-shadow:0 12px 24px -10px #0f487f8c}.vlist .sw{border-radius:3px;width:10px;height:10px;display:inline-block}.viz.js .vnw-seg{clip-path:inset(0 100% 0 0);transition:clip-path .6s cubic-bezier(.3,.8,.3,1) calc(var(--i,0) * .22s),opacity .3s ease,transform .35s ease,box-shadow .3s ease}.viz.js.in .vnw-seg{clip-path:inset(0)}@media (width<=600px){.viz{padding:18px 16px 16px}.vbars{gap:10px}.vlist .vk{min-width:4.8em}.vlist li{gap:10px;font-size:13.5px}.vlist--two{grid-template-columns:1fr}.vnw-seg{letter-spacing:-.02em;font-size:10.5px}.vphase-seg em{font-size:9.5px}}@media (prefers-reduced-motion:reduce){.viz,.viz *{transition:none!important;animation:none!important}.viz.js .vbar{transform:none}.viz.js .vbar .vtop,.viz.js .vphase-today{opacity:1}.viz.js .vphase-seg i{width:var(--p)}.viz.js .vrow-bar i{width:var(--d)}.viz.js .vdial-arc{stroke-dashoffset:calc(1 - var(--v))}.viz.js .vdial-needle{transform:rotate(calc(-90deg + 180deg * var(--v)))}.viz.js .vnw-seg{clip-path:none}}.cta-band{padding:42px 0}.cta-band .wrap{justify-content:center;display:flex}.cta-wrap{text-align:center;max-width:54ch;margin:0 auto}.cta-wrap .lede{margin:18px auto 30px}.cta-final{background:linear-gradient(165deg,var(--navy),var(--navy-deep));color:#fff}.cta-final .eyebrow{color:var(--blue-bright)}.cta-final h2{color:#fff}.cta-final h2 .hi,.cta-final h2 em{color:var(--blue-bright)}.cta-final .lede{color:#c9dcf0}.cta-final .btn-primary{color:var(--navy);background:#fff;border-color:#fff}.cta-final .btn.btn-primary:hover{color:var(--navy)!important;background:#eaf1fa!important;border-color:#eaf1fa!important;transform:translateY(-2px)!important;box-shadow:0 14px 30px -12px #0000004d!important}@media (width<=920px){.hero-grid{grid-template-columns:1fr;gap:40px}.row{grid-template-columns:1fr;gap:34px}.row.flip .row-media{order:0}.cards{grid-template-columns:repeat(2,1fr)}.contrast-grid{grid-template-columns:1fr}}@media (width<=560px){.cards{grid-template-columns:1fr}}@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,:before,:after{transition:none!important;animation:none!important}.reveal{opacity:1!important;transform:none!important}}.btn.btn-primary:hover,.btn.btn-primary.mw-cta:hover{background:var(--navy-deep);transform:translateY(-2px)}@media (width<=900px){.hero-grid,.contrast-grid,.cards,.row,.stack-legend,.foot-top{grid-template-columns:1fr!important}.row.flip .row-media{order:0!important}.row-media,.readout{width:100%;max-width:460px;margin-left:auto;margin-right:auto}}