.sp-page{padding-top:var(--pad-hero-top);padding-bottom:var(--pad-section-sm);background:var(--cream)}.sp-inner{max-width:1180px;padding:0 var(--gutter);margin:0 auto}.sp-inner--narrow{max-width:880px}.sp-hero{padding-bottom:var(--space-8);border-bottom:1px solid var(--hair);margin-bottom:0}.sp-hero__crumb{font-family:var(--f-body);letter-spacing:.16em;text-transform:uppercase;color:var(--ink-soft);margin-bottom:var(--space-3);align-items:center;gap:8px;font-size:12px;display:flex}.sp-hero__crumb a{color:inherit}.sp-hero__crumb a:hover{color:var(--amber-deep)}.sp-hero__crumb .sep{color:var(--ink-soft);opacity:.4}.sp-hero__kicker{font-family:var(--f-body);letter-spacing:.28em;text-transform:uppercase;color:var(--amber-text);align-items:center;gap:10px;font-size:13px;font-weight:500;display:inline-flex}.sp-hero__kicker:before{content:"";background:var(--amber-deep);width:22px;height:1px}.sp-hero__h{font-family:var(--f-display);text-transform:uppercase;color:var(--navy);letter-spacing:-.005em;margin:var(--space-2) 0 0;max-width:16ch;font-size:clamp(3.25rem,8vw,7rem);font-weight:400;line-height:.92}.sp-hero__lede{color:var(--ink-soft);margin:var(--space-3) 0 0;max-width:56ch;font-size:clamp(1.05rem,1.2vw,1.2rem);line-height:1.55}.sp-cards{grid-template-columns:repeat(2,1fr);gap:24px;display:grid}.sp-card{background:var(--cream-warm);border:1px solid var(--hair);border-radius:var(--r-sm);color:inherit;transition:border-color var(--t-fast) var(--ease), background var(--t-fast) var(--ease), transform var(--t-fast) var(--ease);flex-direction:column;gap:14px;min-width:0;padding:36px 32px 30px;text-decoration:none;display:flex;position:relative}.sp-card:hover{border-color:var(--navy);background:var(--cream);transform:translateY(-2px)}.sp-card__no{font-family:var(--f-display);color:var(--amber-deep);letter-spacing:-.01em;font-size:3rem;line-height:1}.sp-card__h{font-family:var(--f-display);text-transform:uppercase;color:var(--navy);letter-spacing:-.005em;max-width:14ch;margin:0;font-size:clamp(1.6rem,2.6vw,2.35rem);font-weight:400;line-height:1}.sp-card__body{color:var(--ink-soft);max-width:38ch;margin:0;font-size:.97rem;line-height:1.55}.sp-card__cta{font-family:var(--f-body);letter-spacing:.04em;text-transform:uppercase;color:var(--navy);transition:color var(--t-fast) var(--ease);border-top:1px solid #0732421f;align-items:center;gap:6px;margin-top:auto;padding-top:18px;font-size:13px;font-weight:600;display:inline-flex}.sp-card:hover .sp-card__cta{color:var(--amber-deep)}@media (max-width:720px){.sp-cards{grid-template-columns:1fr}}.sp-section{padding:var(--pad-section) 0 0}.sp-section__head{margin-bottom:var(--space-4)}.sp-section__kicker{font-family:var(--f-body);letter-spacing:.28em;text-transform:uppercase;color:var(--amber-text);font-size:13px;font-weight:500}.sp-section__h{font-family:var(--f-display);text-transform:uppercase;color:var(--navy);letter-spacing:-.005em;margin:var(--space-2) 0 0;max-width:22ch;font-size:clamp(2.5rem,4.8vw,4.1rem);font-weight:400;line-height:.92}.sp-section__sub{color:var(--ink-soft);margin:var(--space-2) 0 0;max-width:56ch;font-size:clamp(1.05rem,1.2vw,1.2rem);line-height:1.55}.sp-prose p{font-family:var(--f-body);color:var(--ink);margin:0 0 var(--space-2);max-width:64ch;font-size:1.05rem;line-height:1.65}.sp-prose h3{font-family:var(--f-display);text-transform:uppercase;color:var(--navy);letter-spacing:-.005em;margin:var(--space-4) 0 var(--space-2);font-size:clamp(1.3rem,2vw,1.6rem);font-weight:400}.sp-prose h3:before{content:"";background:var(--amber-deep);width:28px;height:2px;margin-bottom:10px;display:block}.sp-prose ul,.sp-prose ol{margin:0 0 var(--space-3);color:var(--ink);padding-left:22px;font-size:1.02rem;line-height:1.65}.sp-prose ul li,.sp-prose ol li{margin:0 0 var(--space-1);max-width:60ch}.sp-prose ul li::marker{color:var(--amber-text)}.sp-tiers{grid-template-columns:repeat(3,1fr);gap:18px;display:grid}.sp-tiers--two{grid-template-columns:repeat(2,1fr);max-width:880px}.sp-tier{background:var(--cream-warm);border:1px solid var(--hair);border-radius:var(--r-sm);flex-direction:column;gap:12px;min-width:0;padding:28px 26px 24px;display:flex}.sp-tier--feature{background:var(--navy);color:var(--cream);border-color:var(--navy)}.sp-tier__years{font-family:var(--f-display);color:var(--amber-deep);letter-spacing:-.005em;font-size:clamp(2.6rem,4vw,3.4rem);font-weight:400;line-height:1}.sp-tier__years small{font-family:var(--f-body);letter-spacing:.06em;color:var(--amber-text);margin-left:4px;font-size:.36em;font-weight:500}.sp-tier--feature .sp-tier__years small{color:var(--gold);opacity:.7}.sp-tier--feature .sp-tier__years{color:var(--gold)}.sp-tier__h{font-family:var(--f-display);text-transform:uppercase;color:var(--navy);letter-spacing:-.005em;margin:0;font-size:1.2rem;font-weight:400}.sp-tier--feature .sp-tier__h{color:var(--cream)}.sp-tier__body{color:var(--ink-soft);margin:0;font-size:13.5px;line-height:1.5}.sp-tier--feature .sp-tier__body{color:#f9f6f2c7}@media (max-width:880px){.sp-tiers{grid-template-columns:1fr}}.sp-callout{background:var(--cream-warm);border-left:3px solid var(--amber-deep);border-radius:2px;margin:28px 0;padding:24px 28px 22px}.sp-callout__h{font-family:var(--f-hand);color:var(--amber-deep);margin:0 0 10px;font-size:1.8rem;line-height:1}.sp-callout p{color:var(--ink);margin:0;font-size:1rem;line-height:1.55}.sp-timeline{background:var(--cream-warm);border-radius:var(--r-sm);border:1px solid var(--hair);gap:0;display:grid;overflow:hidden}.sp-timeline__row{border-bottom:1px solid var(--hair);grid-template-columns:60px 1fr auto;align-items:start;gap:20px;padding:20px 24px;display:grid}.sp-timeline__row:last-child{border-bottom:0}.sp-timeline__no{font-family:var(--f-display);color:var(--amber-deep);letter-spacing:-.005em;font-size:1.8rem;line-height:1}.sp-timeline__what{font-family:var(--f-body);color:var(--navy);font-size:15px;font-weight:600}.sp-timeline__detail{color:var(--ink-soft);max-width:56ch;margin-top:5px;font-size:13.5px;line-height:1.5}.sp-timeline__when{letter-spacing:.18em;text-transform:uppercase;color:var(--amber-text);white-space:nowrap;font-family:ui-monospace,SF Mono,Menlo,Consolas,monospace;font-size:10.5px}@media (max-width:600px){.sp-timeline__row{grid-template-columns:40px 1fr;padding:16px 18px}.sp-timeline__when{grid-area:2/2;margin-top:8px}}.sp-ember{isolation:isolate;background:var(--navy);color:var(--cream);border-radius:var(--r-sm);margin-top:var(--pad-section-sm);padding:clamp(32px,4.5vw,56px);position:relative;overflow:hidden}.sp-ember .sp-section__kicker{color:var(--gold)}.sp-ember .sp-section__h{color:var(--cream)}.sp-ember .sp-timeline{background:0 0;border-color:#f9f6f22e}.sp-ember .sp-timeline__row{border-bottom-color:#f9f6f224}.sp-ember .sp-timeline__no{color:var(--gold)}.sp-ember .sp-timeline__what{color:var(--cream)}.sp-ember .sp-timeline__detail{color:#f9f6f2c7}.sp-ember .sp-timeline__when{color:var(--gold)}.sp-pop{grid-template-columns:repeat(2,1fr);gap:14px 24px;display:grid}.sp-pop__item{border-bottom:1px solid var(--hair);color:var(--navy);transition:color var(--t-fast) var(--ease), padding var(--t-fast) var(--ease);align-items:baseline;gap:12px;padding:14px 4px;font-size:15px;font-weight:500;line-height:1.45;display:flex}.sp-pop__item:hover{color:var(--amber-deep);padding-left:12px}.sp-pop__item:before{content:"→";font-family:var(--f-display);color:var(--amber-deep);flex-shrink:0;font-size:1.1rem}@media (max-width:720px){.sp-pop{grid-template-columns:1fr}}.sp-help{background:var(--cream-warm);border-radius:var(--r-sm);margin-top:var(--pad-section-sm);grid-template-columns:1.4fr 1fr;align-items:center;gap:clamp(28px,4vw,56px);padding:clamp(36px,5vw,56px);display:grid}.sp-help__h{font-family:var(--f-display);text-transform:uppercase;color:var(--navy);letter-spacing:-.005em;margin:var(--space-2) 0 0;max-width:18ch;font-size:clamp(1.6rem,2.6vw,2.35rem);font-weight:400;line-height:1}.sp-help__sub{margin-top:var(--space-2);color:var(--ink-soft);max-width:56ch;font-size:clamp(1.05rem,1.2vw,1.2rem);line-height:1.55}.sp-help__contacts{gap:14px;display:grid}.sp-help__contact{background:var(--cream);border:1px solid var(--hair);border-radius:var(--r-sm);color:var(--navy);transition:border-color var(--t-fast) var(--ease), color var(--t-fast) var(--ease);align-items:baseline;gap:14px;padding:14px 18px;font-size:14px;display:flex}.sp-help__contact:hover{border-color:var(--navy);color:var(--amber-deep)}.sp-help__contact strong{letter-spacing:.22em;text-transform:uppercase;color:var(--amber-text);white-space:nowrap;font-family:ui-monospace,SF Mono,Menlo,Consolas,monospace;font-size:10.5px;font-weight:500}@media (max-width:880px){.sp-help{grid-template-columns:1fr}}.sp-coverage{grid-template-columns:1fr 1fr;gap:18px;display:grid}.sp-coverage .sp-tier{background:var(--cream-warm);border:1px solid var(--hair)}.sp-coverage .sp-tier__h{color:var(--navy)}.sp-coverage ul{gap:10px;margin:8px 0 0;padding:0;list-style:none;display:grid}.sp-coverage li{gap:10px;font-size:14px;line-height:1.5;display:flex}.sp-coverage li span:first-child{font-family:var(--f-display);flex-shrink:0;width:16px}.sp-coverage--yes li{color:var(--ink)}.sp-coverage--yes li span:first-child{color:var(--amber-deep)}.sp-coverage--no li{color:var(--ink-soft)}.sp-coverage--no li span:first-child{color:var(--ink-soft);opacity:.5}@media (max-width:720px){.sp-coverage{grid-template-columns:1fr}}.faq-filter{flex-direction:column;gap:14px;margin:24px 0 36px;display:flex}.faq-chips{flex-wrap:wrap;gap:8px;display:flex}.faq-chip{min-height:32px;color:var(--ink-soft);font-family:var(--f-body);letter-spacing:.02em;cursor:pointer;transition:background var(--t-fast) var(--ease), color var(--t-fast) var(--ease), border-color var(--t-fast) var(--ease);background:0 0;border:1px solid #0732422e;border-radius:999px;align-items:center;padding:6px 14px;font-size:13px;display:inline-flex}.faq-chip:hover{border-color:var(--ink);color:var(--ink)}.faq-chip.is-active{background:var(--navy);color:var(--cream);border-color:var(--navy)}@media (pointer:coarse){.faq-chip{min-height:36px;padding:8px 16px}}.faq-search{align-items:center;display:flex;position:relative}.faq-search__icon{color:var(--ink-soft);pointer-events:none;display:flex;position:absolute;left:16px}.faq-search input{background:var(--cream-warm);border:1px solid var(--hair);border-radius:var(--r-sm);width:100%;font:inherit;color:var(--navy);transition:border-color var(--t-fast) var(--ease), background var(--t-fast) var(--ease);outline:none;padding:14px 16px 14px 46px;font-size:16px}.faq-search input::placeholder{color:var(--ink-soft);opacity:.75}.faq-search input:focus{border-color:var(--navy);background:var(--cream)}.faq-list{border-top:1px solid var(--hair);margin-top:var(--space-1)}.faq-item{border-bottom:1px solid var(--hair)}.faq-q{text-align:left;cursor:pointer;width:100%;font-family:var(--f-body);letter-spacing:-.01em;color:var(--navy);transition:color var(--t-fast) var(--ease);background:0 0;border:0;grid-template-columns:1fr auto;gap:6px 20px;padding:22px 2px;font-size:clamp(1.05rem,1.3vw,1.2rem);font-weight:600;line-height:1.35;display:grid}.faq-q:hover{color:var(--amber-deep)}.faq-q__cat{font-family:var(--f-body);letter-spacing:.2em;text-transform:uppercase;color:var(--amber-text);grid-area:1/1;font-size:11px;font-weight:500}.faq-q__arrow{color:var(--ink-soft);transition:transform var(--t-med) var(--ease), color var(--t-fast) var(--ease);grid-area:1/2/span 2;align-self:center;display:flex}.faq-q:hover .faq-q__arrow{color:var(--amber-deep)}.faq-item.is-open .faq-q__arrow{transform:rotate(180deg)}.faq-a{transition:grid-template-rows var(--t-med) var(--ease);grid-template-rows:0fr;display:grid}.faq-item.is-open .faq-a{grid-template-rows:1fr}.faq-a__inner{overflow:hidden}.faq-a__inner>div{max-width:64ch;padding:0 0 24px}.faq-a__inner p{font-family:var(--f-body);color:var(--ink-soft);margin:0 0 12px;font-size:1.02rem;line-height:1.65}.faq-a__inner p:last-child{margin-bottom:0}.faq-empty{background:var(--cream-warm);border:1px solid var(--hair);border-radius:var(--r-sm);color:var(--ink-soft);padding:clamp(28px,4vw,40px);font-size:1rem;line-height:1.6}.faq-empty strong{font-family:var(--f-display);text-transform:uppercase;color:var(--navy);letter-spacing:-.005em;margin-bottom:10px;font-size:clamp(1.3rem,2vw,1.6rem);font-weight:400;display:block}.faq-empty a{color:var(--amber-text);border-bottom:1px solid}.faq-empty a:hover{color:var(--amber-deep)}@media (max-width:600px){.faq-q{padding:18px 2px}}