@import url('fonts.css');
:root{--navy:#112f49;--deep:#0c253b;--blue:#1e5b8d;--blue-dark:#164c78;--ink:#15334a;--muted:#536677;--gold:#957044;--sand:#f7f8f6;--pale:#edf4f8;--line:#dce4e9;--white:#fff;--radius:18px;--shadow:0 16px 45px #18334b0a}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:112px}body{margin:0;color:var(--ink);background:#fff;font:400 16px/1.75 'DM Sans',Arial,sans-serif}h1,h2,h3,h4{font-family:Manrope,Arial,sans-serif;margin:0 0 20px;font-weight:700;line-height:1.23;letter-spacing:-.04em}h1{font-size:clamp(38px,4.5vw,64px);font-weight:800;line-height:1.09}h2{font-size:clamp(30px,3.1vw,44px)}h3{font-size:22px;letter-spacing:-.025em;line-height:1.4}h4{font-size:17px}p,figure{margin:0 0 22px}p{color:var(--muted)}a{color:var(--blue);text-underline-offset:5px;text-decoration-thickness:1px}a:hover{color:var(--deep)}img{display:block;max-width:100%;height:auto}svg{vertical-align:middle;flex-shrink:0}button,input,select,textarea{font:inherit}button,summary{cursor:pointer}button,a,input,select,textarea,summary{-webkit-tap-highlight-color:transparent}a,button{touch-action:manipulation}a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible,summary:focus-visible{outline:3px solid #bc8b43;outline-offset:5px}input,select,textarea{accent-color:var(--blue)}[hidden]{display:none!important}.container,.hbr-wrap{width:min(1200px,calc(100% - 80px));margin-inline:auto}.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}.skip-link{position:fixed;top:-100px;left:20px;padding:12px 22px;background:#fff;z-index:1000;color:var(--navy)}.skip-link:focus{top:10px}.topbar{background:var(--deep);color:#d8e6ef;font-size:12px}.topbar .container{display:flex;justify-content:space-between;gap:20px;align-items:center;min-height:37px}.topbar strong{color:white;font-weight:600}.topbar a{color:#fff;text-decoration:none;font-weight:500}.site-header{position:sticky;top:0;z-index:100;background:#fffffff7;backdrop-filter:blur(16px);border-bottom:1px solid var(--line)}.header-inner{min-height:100px;display:flex;align-items:center;justify-content:space-between;gap:28px}.brand{display:flex;align-items:center;gap:20px;text-decoration:none;flex-shrink:0}.brand img{width:156px;height:76px;object-fit:contain}.brand span{display:none}#main-nav{display:flex;gap:28px;align-items:center}#main-nav>a,.nav-trigger{font-size:14px;line-height:1.5;font-weight:600;color:var(--ink);text-decoration:none;white-space:nowrap}.nav-trigger{padding:15px 0;background:none;border:0;display:flex;align-items:center;gap:9px}.nav-trigger span{font-size:17px;line-height:1;transition:transform .2s}.nav-trigger[aria-expanded=true] span{transform:rotate(180deg)}.nav-group{position:relative}.nav-panel{display:none;position:absolute;top:calc(100% + 10px);left:-20px;min-width:260px;background:white;border:1px solid var(--line);padding:9px;border-radius:14px;box-shadow:0 15px 45px #0c253b21}.nav-panel:before{content:'';position:absolute;top:-20px;height:22px;left:0;right:0}.nav-panel a{display:block;text-decoration:none;font-size:14px;color:var(--ink);padding:12px 14px;border-radius:7px;line-height:1.5}.nav-panel a:hover,.nav-panel a:focus-visible{background:var(--pale)}.nav-trigger[aria-expanded=true]+.nav-panel{display:block}.current-group>.nav-trigger,#main-nav a[aria-current=page]:not(.button){color:var(--blue)}#main-nav>a[aria-current=page]:not(.button){box-shadow:0 3px var(--blue);padding-block:12px}.menu-toggle{display:none}.button,.hbr-button,.hbr-submit{display:inline-flex;align-items:center;justify-content:center;gap:16px;min-height:54px;padding:15px 23px;background:var(--blue);color:white!important;border:1px solid transparent;border-radius:9px;text-decoration:none;font:700 14px/1.5 'DM Sans',Arial,sans-serif;transition:background .18s,box-shadow .18s,transform .18s}.button:hover,.hbr-button:hover,.hbr-submit:hover{background:var(--blue-dark);box-shadow:0 5px 20px #15334a15;transform:translateY(-2px)}.button.small{min-height:46px;padding:12px 19px}#main-nav>.button{color:white}.button.light{color:var(--navy)!important;background:white}.button.light:hover{background:var(--pale)}.button.outline,.hbr-button-outline{border-color:#a8bccb;color:var(--navy)!important;background:transparent}.button.outline:hover,.hbr-button-outline:hover{background:var(--pale)}.text-link{display:inline-flex;align-items:center;gap:16px;font-size:14px;font-weight:700;text-decoration:none}.text-link:hover{text-decoration:underline}.arrow-icon{width:16px;height:16px}.eyebrow,.hbr-label,.hbr-kicker{font-size:11px!important;line-height:1.5!important;letter-spacing:.14em;text-transform:uppercase;font-weight:700;color:var(--blue);margin:0 0 18px!important}.hbr-hero{padding:55px 0 64px;background:var(--deep);color:#fff;position:relative;overflow:hidden}.hbr-hero:before{content:'';position:absolute;inset:0;pointer-events:none;background:radial-gradient(ellipse at 92% 0%,#315d7760,transparent 66%)}.hbr-hero-grid{position:relative;display:grid;grid-template-columns:1.06fr 1fr;gap:56px;align-items:center}.hbr-hero .hbr-kicker{color:#c0d8e8;margin-bottom:25px!important;display:flex;align-items:center;gap:12px}.hbr-hero .hbr-kicker:before{content:'';width:26px;height:1px;background:#a6c9df}.hbr-hero h1{font-size:clamp(40px,4.35vw,64px);max-width:620px;margin-bottom:23px}.hbr-hero h1 span{color:#b5d8ee;display:block}.hbr-hero-copy{color:#d3dfe9;font-size:16px;line-height:1.85;max-width:570px;margin-bottom:25px}.hbr-hero-points{list-style:none;display:grid;grid-template-columns:1fr 1fr;padding:0;margin:0 0 30px;gap:10px 12px;font-size:12px;font-weight:500;color:#e8f1f6}.hbr-hero-points li{display:flex;align-items:baseline;gap:8px}.hbr-hero-points li:before{content:'✓';color:#a8d8be;font-weight:700}.hbr-actions{display:flex;gap:12px;flex-wrap:wrap}.hbr-hero .hbr-button{font-size:13px;padding-inline:18px;min-height:52px}.hbr-hero .hbr-button-primary{background:#fff;color:var(--navy)!important}.hbr-hero .hbr-button-primary:hover{background:#e2f0f7}.hbr-hero .hbr-button-outline{color:#fff!important;border-color:#6e8a9f}.hbr-hero .hbr-button-outline:hover{background:#ffffff12}.hbr-hero-card{position:relative;margin:0;border-radius:24px;overflow:hidden;min-width:0;background:#d7e1e7;box-shadow:0 26px 55px #06111b40}.hbr-hero-card>img{height:565px;width:100%;object-fit:cover;object-position:58% center}.hbr-photo-message{position:absolute;inset:auto 20px 20px;background:#fffffff5;border-radius:13px;padding:23px 25px;color:var(--navy);backdrop-filter:blur(10px)}.hbr-photo-message strong{display:block;font:700 20px/1.35 Manrope,Arial,sans-serif;letter-spacing:-.03em;margin-bottom:7px}.hbr-photo-message span{display:block;font-size:12px;color:var(--muted);line-height:1.65;max-width:360px}.hbr-trust{background:var(--sand);border-bottom:1px solid var(--line)}.hbr-trust-grid{display:grid;grid-template-columns:repeat(4,1fr);padding-block:28px}.hbr-trust-item{padding:3px 30px;border-left:1px solid #d4dee4}.hbr-trust-item:first-child{border:0;padding-left:0}.hbr-trust-item strong{display:block;font:700 23px/1.4 Manrope,Arial,sans-serif;letter-spacing:-.035em;margin-bottom:5px}.hbr-trust-item span{font-size:12px;color:var(--muted)}.home-jump{border-bottom:1px solid var(--line);background:white}.home-jump .container{display:flex;align-items:center;gap:28px;min-height:70px}.home-jump span{font-size:12px;font-weight:700;margin-right:auto;color:var(--muted)}.home-jump a{font-size:13px;font-weight:600;text-decoration:none;white-space:nowrap;color:var(--ink);padding-block:20px}.home-jump a:last-child{color:var(--blue)}.home-jump a:hover{text-decoration:underline}.home-jump a svg{width:15px;height:15px;margin-left:5px}.section,.hbr-section{padding:88px 0}.section:nth-of-type(even){background:var(--sand)}.hbr-section-wash{background:var(--pale)}.section-heading,.hbr-heading,.section-intro{max-width:760px;margin-bottom:40px}.hbr-heading{margin-inline:auto;text-align:center}.section-heading p,.hbr-heading p,.section-intro>p{font-size:16px;line-height:1.8;margin-bottom:0}.section-heading .eyebrow{margin-bottom:16px}.overview-section .hbr-heading{max-width:800px}.overview-section .hbr-heading h2{max-width:680px;margin-inline:auto}.grid,.hbr-benefit-grid,.hbr-program-grid{display:grid;gap:24px}.grid.three,.hbr-benefit-grid{grid-template-columns:repeat(3,minmax(0,1fr))}.grid.two,.hbr-program-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.hbr-benefit-grid{gap:0 42px;margin-top:48px}.hbr-benefit{padding:30px 0;border-bottom:1px solid var(--line)}.hbr-benefit:nth-child(-n+3){border-top:1px solid var(--line)}.feature-icon{display:flex;align-items:center;justify-content:center;width:48px;height:48px;border-radius:13px;background:var(--pale);color:var(--blue);margin-bottom:20px}.hbr-benefit h3{font-size:19px;margin-bottom:10px}.hbr-benefit p{font-size:14px;line-height:1.85;margin:0}.hbr-program-grid{gap:28px;align-items:stretch}.hbr-program{border:1px solid #d2dfe7;box-shadow:var(--shadow);background:white;border-radius:20px;overflow:hidden;display:flex;flex-direction:column;min-width:0}.hbr-program-head{padding:33px 34px 30px;border-bottom:1px solid var(--line)}.hbr-program-head h3{font-size:25px;margin-bottom:8px}.hbr-plan-tag{font-size:10px;display:block;text-transform:uppercase;letter-spacing:.12em;color:var(--blue);font-weight:700;margin-bottom:18px}.hbr-program-head>p{font-size:13px;margin-bottom:0}.hbr-price{display:flex;align-items:center;gap:20px;margin-top:28px}.hbr-price strong{font:800 62px/1.1 Manrope,Arial,sans-serif;letter-spacing:-.06em}.hbr-price span{font-size:14px;color:var(--muted);line-height:1.6;max-width:210px}.hbr-program-featured{border:1px solid var(--navy)}.hbr-program-featured .hbr-program-head{background:var(--navy);color:white;border-color:var(--navy)}.hbr-program-featured .hbr-plan-tag{color:#b5d8ee}.hbr-program-featured .hbr-program-head p,.hbr-program-featured .hbr-price span{color:#d8e6ef}.hbr-program-body{padding:30px 34px;display:flex;flex-direction:column;flex:1}.hbr-checklist{margin:0 0 26px;padding:0;list-style:none;display:grid;gap:18px;font-size:14px;line-height:1.8}.hbr-checklist li{display:grid;grid-template-columns:18px 1fr;gap:10px}.hbr-check{font-weight:700;color:var(--blue)}.hbr-threshold{background:var(--sand);border-radius:10px;padding:19px 20px;font-size:12px;line-height:1.9;color:var(--muted);margin-bottom:28px}.hbr-threshold strong{color:var(--ink)}.hbr-example{background:var(--pale);border-radius:12px;padding:22px 24px;margin-top:auto}.hbr-example h4{font-size:14px;margin-bottom:13px}.hbr-math{display:flex;justify-content:space-between;gap:20px;align-items:baseline;font-size:13px;padding:10px 0;border-bottom:1px solid #d1dfe8}.hbr-math-total{border:0;padding-bottom:0;font-weight:700}.hbr-math-total strong{font-size:27px;color:var(--blue);letter-spacing:-.03em}.hbr-shared{display:flex;justify-content:center;gap:35px;flex-wrap:wrap;margin-top:32px;font-size:12px;font-weight:600;color:var(--navy)}.hbr-shared>div:before{content:'✓';color:var(--blue);margin-right:9px}.hbr-fee-grid{display:grid;grid-template-columns:1fr 1.1fr;gap:100px;align-items:start}.hbr-fee-copy p{font-size:16px;max-width:430px}.hbr-paid-full{border-radius:12px;background:var(--pale);padding:22px 26px;margin-top:28px;max-width:385px}.hbr-paid-full span{display:block;text-transform:uppercase;font-size:10px;font-weight:700;letter-spacing:.1em;color:var(--muted);margin-bottom:7px}.hbr-paid-full strong{font:700 32px/1.3 Manrope,Arial,sans-serif;letter-spacing:-.04em}.hbr-option{display:grid;grid-template-columns:145px 1fr;gap:20px;align-items:center;border-bottom:1px solid var(--line);padding:23px 0}.hbr-option:first-child{border-top:1px solid var(--line)}.hbr-option strong{color:var(--blue);font:700 25px/1.4 Manrope,Arial,sans-serif;letter-spacing:-.04em}.hbr-option span{font-size:14px;color:var(--muted)}.hbr-renewal{font-size:12px;line-height:1.8;margin:18px 0 0}.hbr-earn{background:var(--deep);color:white;padding:80px 0}.hbr-earn-grid{display:grid;grid-template-columns:1.15fr 1fr;gap:80px;align-items:center}.hbr-earn .hbr-label{color:#b5d8ee}.hbr-earn h2{font-size:clamp(29px,3.2vw,43px)}.hbr-earn p{color:#d1e0eb;font-size:16px;line-height:1.85}.hbr-earn .hbr-button{background:#fff;color:var(--navy)!important}.hbr-earn-photo{margin:0}.hbr-earn-photo img{width:100%;aspect-ratio:1.2;object-fit:cover;border-radius:18px}.pathway-grid{display:grid;grid-template-columns:repeat(3,1fr);border-block:1px solid var(--line)}.pathway-grid>a{padding:35px 30px;text-decoration:none;color:var(--ink);border-right:1px solid var(--line);position:relative;transition:background .2s}.pathway-grid>a:last-child{border:0}.pathway-grid>a:hover{background:var(--pale)}.pathway-grid span{font-size:12px;color:var(--blue);display:block;margin-bottom:22px;font-weight:700}.pathway-grid h3{font-size:22px;max-width:220px}.pathway-grid p{font-size:14px;margin:0;max-width:250px}.pathway-grid b{position:absolute;right:25px;top:31px;font-size:22px;font-weight:400}.pathway-grid .arrow-icon{width:20px;height:20px}.closing-cta{background:#eaf2f7;padding:65px 0;border-bottom:1px solid #cfdee8}.closing-cta .container{display:flex;align-items:center;justify-content:space-between;gap:50px}.closing-cta h2{max-width:650px;font-size:40px;margin-bottom:14px}.closing-cta p{font-size:15px;margin-bottom:0}.closing-cta .button{background:var(--blue);color:white!important;flex-shrink:0}.site-footer{background:var(--deep);color:#e4edf3;padding-top:65px}.footer-grid{display:grid;grid-template-columns:1.2fr .8fr 1fr 1.15fr;gap:38px;padding-bottom:50px}.footer-name{font:800 23px/1.4 Manrope,Arial,sans-serif;letter-spacing:-.045em;color:white;text-decoration:none;display:block}.footer-name sup{font-size:9px;vertical-align:super}.footer-grid>div:first-child p:first-of-type{color:#f0f5f8}.footer-grid h2{font:700 12px/1.5 'DM Sans',Arial,sans-serif;text-transform:uppercase;letter-spacing:.08em;color:white;margin:5px 0 20px}.footer-grid a:not(.footer-name){color:#c3d1dc;text-decoration:none;font-size:12px;display:block;margin:10px 0;line-height:1.8}.footer-grid p{font-size:12px;line-height:1.9;color:#b9cbd8;margin:16px 0}.footer-grid a:hover{color:white;text-decoration:underline}.footer-bottom{border-top:1px solid #ffffff22;display:flex;align-items:center;gap:25px;min-height:75px;font-size:11px;color:#b7c9d7}.footer-bottom span{margin-right:auto}.footer-bottom a{color:#c4d4df;text-decoration:none}.page-hero,.guide-header{padding:60px 0;background:var(--pale);border-bottom:1px solid var(--line)}.page-hero-grid{display:grid;grid-template-columns:1.35fr 1fr;gap:80px;align-items:center}.page-hero h1{font-size:clamp(36px,4.2vw,56px);max-width:750px}.page-hero p:not(.eyebrow){font-size:16px;line-height:1.9;max-width:650px}.page-hero img{height:330px;width:100%;object-fit:cover;border-radius:20px}.page-hero .text-link{margin-top:6px}.split{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:70px;align-items:center}.split>*{min-width:0}.copy>p{font-size:16px}.editorial-photo{border-radius:16px;overflow:hidden;margin:0}.editorial-photo img{width:100%;max-height:470px;object-fit:cover}.photo-caption{background:var(--pale);font-size:14px;padding:20px 24px}.photo-caption strong,.photo-caption span{display:block}.founder-portrait{border-radius:12px!important;box-shadow:0 14px 40px #18334b14}.founder-portrait img{object-fit:contain!important}.card{min-width:0;background:white;border:1px solid var(--line);border-radius:14px;padding:28px}.card h3{font-size:20px;margin-bottom:13px}.card p{font-size:14px;line-height:1.85;margin-bottom:0}.card .eyebrow{font-size:10px!important}.card>strong{display:block;font-size:18px;margin-bottom:10px;font-family:Manrope,Arial,sans-serif;letter-spacing:-.02em}.card>a{display:inline-block;font-size:14px;margin-top:18px}.card img{max-height:220px;object-fit:cover}.card ul{font-size:14px;color:var(--muted);padding-left:20px}.card li{margin-bottom:7px}a.card{display:flex;flex-direction:column;text-decoration:none;color:var(--ink);transition:border-color .2s,box-shadow .2s}a.card:hover{border-color:#90adc3;box-shadow:var(--shadow)}a.card>span:first-child{font-size:11px;font-weight:700;color:var(--blue);text-transform:uppercase;letter-spacing:.1em;margin-bottom:16px}a.card>strong:last-child{font-size:13px;margin-top:20px;margin-bottom:0;color:var(--blue)}.section .grid{margin-top:32px}.section .grid .grid{margin:0}.section>.container>p{max-width:920px}.section .container .container{width:100%}.section .container>img{width:100%;max-height:460px;object-fit:cover;border-radius:18px}.section .container>div>img{border-radius:16px}.section .button{margin-top:18px}.section .grid article:not(.card){border-top:1px solid var(--line);padding-top:25px}.section .grid article:not(.card)>span:first-child{font-size:12px;letter-spacing:.08em;color:var(--blue);text-transform:uppercase;font-weight:700;display:block;margin-bottom:15px}.facts-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:20px;margin-top:35px}.facts-grid>span,.facts-grid>div,.facts-grid>article{font-size:13px;color:var(--muted);padding:20px 22px;background:var(--pale);border-radius:12px}.facts-grid strong{display:block;font:700 24px/1.5 Manrope,Arial,sans-serif;letter-spacing:-.035em;color:var(--navy);margin-bottom:5px}.note{border-left:3px solid #a58352;padding:20px 24px;background:#f5f1e9;color:var(--muted);font-size:14px;line-height:1.85;border-radius:0 10px 10px 0;margin-top:27px}.readable-list,.section>.container>ul{font-size:15px;padding-left:22px;color:var(--muted)}.readable-list li,.section>.container>ul li{margin:10px 0}.section>.container>ul:has(svg){list-style:none;padding:0;display:grid;gap:14px}.section>.container>ul:has(svg) li{display:flex;align-items:center;gap:15px;margin:0}.section>.container>ul:has(svg) svg{width:24px;height:24px;color:var(--blue)}.fee-amount{font:800 55px/1.2 Manrope,Arial,sans-serif;letter-spacing:-.05em;color:var(--navy);margin:15px 0}.calculation{padding:30px;background:var(--pale);border-radius:14px;margin-top:28px}.calculation-row{display:flex;justify-content:space-between;gap:25px;align-items:baseline;padding:12px 0;border-bottom:1px solid var(--line);font-size:15px}.video-frame iframe{width:100%;height:auto;aspect-ratio:16/9;border:0;border-radius:16px}.jump-nav{display:flex;gap:10px;flex-wrap:wrap;padding-block:25px}.jump-nav a{border:1px solid var(--line);padding:9px 18px;border-radius:8px;font-size:13px;text-decoration:none;color:var(--ink);background:white;font-weight:500}.jump-nav a:hover{background:var(--pale);border-color:#9cb5c8}.benefit-catalog>.container{display:grid;grid-template-columns:280px minmax(0,1fr);gap:55px;align-items:start}.benefit-catalog .section-heading{position:sticky;top:125px;margin-bottom:0}.benefit-catalog .section-heading h2{font-size:32px}.benefit-catalog .grid{margin:0;grid-template-columns:repeat(2,minmax(0,1fr));gap:0 32px}.benefit-catalog .card{border:0;border-bottom:1px solid var(--line);border-radius:0;background:transparent;padding:26px 0}.benefit-catalog .card:nth-child(-n+2){padding-top:0}.benefit-catalog .card h3{font-size:18px}.benefit-catalog .card p{font-size:14px}.benefit-catalog .section-heading .eyebrow{display:flex;gap:12px;align-items:center}.faq-search{padding-top:40px}.faq-search label{font-size:13px;font-weight:700;display:block;margin-bottom:10px}.faq-search input{width:100%;max-width:700px;border:1px solid #9db4c5;border-radius:10px;background:white;padding:17px 20px;font-size:16px;color:var(--ink)}.faq-search p{margin:10px 0 0;font-size:13px}.faq-categories{border-bottom:1px solid var(--line);padding-bottom:28px}.faq-section{background:white!important;padding:60px 0!important}.faq-section+.faq-section{border-top:1px solid var(--line)}.faq-section>.container{display:grid;grid-template-columns:300px minmax(0,1fr);gap:75px}.faq-section .section-heading{display:flex;gap:20px;align-items:baseline}.faq-section .section-heading h2{font-size:27px}.faq-section .section-heading p{font-size:14px}.faq-section .section-heading>div:last-child{min-width:0}details{padding:23px 0;border-bottom:1px solid var(--line)}summary{font:600 17px/1.6 Manrope,Arial,sans-serif;letter-spacing:-.02em;list-style:none;position:relative;padding-right:35px;cursor:pointer}summary::-webkit-details-marker{display:none}summary:after{content:'+';position:absolute;right:2px;top:-1px;font:400 25px/1.3 'DM Sans',Arial,sans-serif;color:var(--blue)}details[open]>summary:after{content:'−'}details[open]>summary{color:var(--blue)}details .answer{padding-top:18px;font-size:15px;line-height:1.9;color:var(--muted)}details .answer p:last-child{margin-bottom:0}.faq-section 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