:root{--navy: #0B2545;--teal: #0E7C6B;--gold: #C9993A;--amber: #F59E0B;--coral: #E07856;--cream: #F8F6F1;--lt-blue: #EEF4FB;--lt-teal: #E6F5F2;--dg: #1F2937;--mg: #6B7280;--lg: #D1D5DB;--white: #FFFFFF;--font-display: "Wix Madefor Display", Georgia, serif;--font-body: "Wix Madefor Text", system-ui, sans-serif;--shadow-sm: 0 1px 6px rgba(11,37,69,.08);--shadow-md: 0 4px 20px rgba(11,37,69,.12);--shadow-lg: 0 8px 40px rgba(11,37,69,.16);--radius-sm: 8px;--radius-md: 14px;--radius-lg: 24px;--max-w: 1140px}*,*:before,*:after{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth}body{font-family:var(--font-body);color:var(--dg);background:var(--white);line-height:1.6;-webkit-font-smoothing:antialiased}img,svg{max-width:100%;display:block}a{color:inherit;text-decoration:none}button{cursor:pointer;font-family:inherit}h1,h2,h3,h4{font-family:var(--font-display);line-height:1.2}h1{font-size:clamp(2.2rem,5vw,3.6rem)}h2{font-size:clamp(1.8rem,3.5vw,2.8rem)}h3{font-size:clamp(1.2rem,2vw,1.5rem)}h4{font-size:1.1rem;font-family:var(--font-body);font-weight:600}p{font-size:1rem;line-height:1.7;color:var(--mg)}.container{max-width:var(--max-w);margin:0 auto;padding:0 24px}.section{padding:80px 0}.section-sm{padding:48px 0}.eyebrow{font-family:var(--font-body);font-size:.72rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--teal);margin-bottom:12px;display:block}.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:28px}.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}.btn{display:inline-flex;align-items:center;gap:8px;padding:12px 26px;border-radius:8px;font-size:.95rem;font-weight:600;border:none;transition:all .2s ease;white-space:nowrap}.btn-primary{background:var(--gold);color:var(--white)}.btn-primary:hover{background:#b8882e;transform:translateY(-1px);box-shadow:var(--shadow-md)}.btn-outline{background:transparent;color:var(--white);border:2px solid rgba(255,255,255,.6)}.btn-outline:hover{background:#ffffff1a;border-color:var(--white)}.btn-navy{background:var(--navy);color:var(--white)}.btn-navy:hover{background:#0d2d55;transform:translateY(-1px)}.btn-teal{background:var(--teal);color:var(--white)}.btn-teal:hover{background:#0a6b5c;transform:translateY(-1px)}.btn-sm{padding:8px 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span{color:var(--gold)}.nav-links-wrap{flex-shrink:0}.nav-links{display:flex;align-items:center;gap:6px;list-style:none;margin:0;padding:0}.nav-links a{padding:7px 13px;border-radius:6px;font-size:.88rem;font-weight:500;color:#fffc;white-space:nowrap;transition:all .15s}.nav-links a:hover,.nav-links a.active{color:var(--white);background:#ffffff1a}.nav-burger{display:none;background:none;border:none;padding:8px;flex-shrink:0;width:44px;height:44px;align-items:center;justify-content:center}.nav-burger span{display:block;width:22px;height:2px;background:var(--white);margin:5px 0;transition:all .25s}.nav-mobile{display:none;flex-direction:column;background:var(--navy);padding:8px 24px 20px;border-top:1px solid rgba(255,255,255,.08);max-height:calc(100vh - 68px);overflow-y:auto;-webkit-overflow-scrolling:touch}.nav-mobile.open{display:flex}.nav-mobile-list{list-style:none;margin:0;padding:0}.nav-mobile a{padding:13px 2px;color:#ffffffd9;font-size:1rem;font-weight:500;border-bottom:1px solid rgba(255,255,255,.07);display:block}.nav-mobile a:last-child{border-bottom:none}@media(max-width:860px){.nav-links-wrap{display:none}.nav-burger{display:flex}}.hero{background:linear-gradient(135deg,var(--navy) 0%,#0d3566 55%,#0E7C6B 100%);padding:100px 0 80px;position:relative;overflow:hidden}.hero:before{content:"";position:absolute;top:0;right:0;bottom:0;left:0;background:url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E")}.hero-content{position:relative;z-index:1}.hero-badge{display:inline-flex;align-items:center;gap:8px;background:#c9993a26;border:1px solid rgba(201,153,58,.35);color:var(--gold);padding:5px 14px;border-radius:20px;font-size:.8rem;font-weight:600;margin-bottom:22px}.hero h1{color:var(--white);margin-bottom:18px}.hero h1 em{font-style:normal;color:var(--gold)}.hero p{color:#ffffffbf;font-size:1.1rem;max-width:560px;margin-bottom:32px}.hero-ctas{display:flex;gap:14px;flex-wrap:wrap}.hero-visual{display:flex;align-items:center;justify-content:center;position:relative}.ticker-bar{background:var(--navy);border-top:1px solid rgba(255,255,255,.08);padding:10px 0;overflow:hidden}.ticker-inner{display:flex;gap:32px;white-space:nowrap;will-change:transform;animation:ticker 36s linear 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p{color:#ffffff8c;font-size:.82rem}.service-icon{width:52px;height:52px;border-radius:12px;background:var(--lt-teal);display:flex;align-items:center;justify-content:center;font-size:1.6rem;margin-bottom:16px}.testimonial{background:var(--cream);border-radius:var(--radius-md);padding:28px;border-left:4px solid var(--gold);position:relative}.testimonial:before{content:"“";font-family:var(--font-display);font-size:4rem;color:var(--gold);opacity:.3;position:absolute;top:8px;left:20px;line-height:1}.testimonial-text{font-size:.95rem;color:var(--dg);margin-bottom:16px;position:relative;z-index:1}.testimonial-author{font-weight:600;color:var(--navy);font-size:.88rem}.fund-table{width:100%;border-collapse:collapse}.fund-table th{background:var(--navy);color:#ffffffb3;padding:10px 14px;text-align:left;font-size:.8rem;font-weight:500;letter-spacing:.04em;text-transform:uppercase}.fund-table td{padding:12px 14px;border-bottom:1px solid var(--lg);font-size:.9rem}.fund-table tbody tr:hover{background:var(--lt-blue);cursor:pointer}.fund-table tbody tr:nth-child(2n){background:var(--cream)}.fund-table tbody tr:nth-child(2n):hover{background:var(--lt-blue)}.pos{color:#059669;font-weight:600}.neg{color:#dc2626;font-weight:600}.nav-val{font-weight:700;color:var(--navy)}.calc-card{background:var(--white);border-radius:var(--radius-md);overflow:hidden;box-shadow:var(--shadow-md)}.calc-header{background:var(--navy);padding:16px 20px;display:flex;align-items:center;gap:10px}.calc-header h3{color:var(--white);font-size:1rem;font-family:var(--font-body);font-weight:600}.calc-body{padding:20px}.calc-field{margin-bottom:16px}.calc-field label{display:flex;justify-content:space-between;font-size:.8rem;font-weight:600;color:var(--mg);margin-bottom:6px}.calc-field label span{font-weight:700;color:var(--navy)}.calc-slider{-webkit-appearance:none;-moz-appearance:none;appearance:none;width:100%;height:4px;border-radius:4px;outline:none;cursor:pointer;background:linear-gradient(to right,var(--teal) 0%,var(--teal) 50%,var(--lg) 50%)}.calc-slider::-webkit-slider-thumb{-webkit-appearance:none;width:18px;height:18px;border-radius:50%;background:var(--white);border:3px solid var(--teal);box-shadow:0 1px 4px #0003}.calc-result{background:var(--navy);border-radius:10px;padding:14px 16px;margin-top:14px}.calc-result-row{display:flex;justify-content:space-between;align-items:center;padding:4px 0;border-bottom:1px solid rgba(255,255,255,.07)}.calc-result-row:last-child{border-bottom:none}.calc-result-row span:first-child{font-size:.78rem;color:#ffffff8c}.calc-result-row span:last-child{font-size:.9rem;font-weight:700;color:var(--white)}.calc-result-row.highlight span:last-child{color:var(--gold);font-size:1.1rem}.footer{background:var(--navy);color:#ffffffa6}.footer-top{padding:60px 0 40px}.footer-logo{font-family:var(--font-display);font-size:1.4rem;color:var(--white);margin-bottom:14px}.footer-logo span{color:var(--gold)}.footer-links{list-style:none}.footer-links li{margin-bottom:8px}.footer-links a{font-size:.9rem;color:#fff9;transition:color .15s}.footer-links a:hover{color:var(--white)}.footer-col-title{font-weight:700;color:var(--white);font-size:.85rem;text-transform:uppercase;letter-spacing:.06em;margin-bottom:16px}.footer-bottom{border-top:1px solid rgba(255,255,255,.08);padding:18px 0;font-size:.8rem;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:8px}.footer-disclaimer{font-size:.75rem;color:#fff6;margin-top:6px;line-height:1.5}.fade-up{opacity:0;transform:translateY(28px);transition:opacity .6s ease,transform .6s ease}.fade-up.visible{opacity:1;transform:translateY(0)}.scale-in{opacity:0;transform:scale(.96);transition:opacity .5s ease,transform .5s 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8px;border-radius:30px;font-size:.78rem;font-weight:600;margin-bottom:24px}.hero-kicker .icon-chip{width:22px;height:22px;background:var(--gold);border-radius:50%}.hero-kicker .icon-chip svg{width:12px;height:12px}.hero-v2 h1{color:var(--white);font-size:clamp(2.4rem,4.6vw,3.7rem);letter-spacing:-.01em;margin-bottom:20px}.hero-v2 h1 .hl-teal{color:#5eead4}.hero-v2 p.hero-lede{color:#ffffffb8;font-size:1.12rem;max-width:520px;margin-bottom:34px;line-height:1.65}.hero-proof-row{display:flex;gap:28px;flex-wrap:wrap;margin-top:40px;padding-top:28px;border-top:1px solid rgba(255,255,255,.1)}.hero-proof-item{display:flex;flex-direction:column}.hero-proof-num{font-family:var(--font-display);font-size:1.9rem;color:var(--white);line-height:1}.hero-proof-num .accent{color:var(--gold)}.hero-proof-label{font-size:.76rem;color:#ffffff80;margin-top:6px;letter-spacing:.01em}.hero-panel{position:relative;background:linear-gradient(160deg,#ffffff12,#ffffff05);border:1px solid rgba(255,255,255,.12);border-radius:22px;padding:28px 24px 20px;-webkit-backdrop-filter:blur(6px);backdrop-filter:blur(6px)}.hero-panel-head{display:flex;justify-content:space-between;align-items:flex-start;margin-bottom:4px}.hero-panel-head .hp-title{color:#ffffff8c;font-size:.74rem;letter-spacing:.04em}.hero-panel-head .hp-value{color:var(--white);font-size:1.7rem;font-family:var(--font-display);margin-top:2px}.hero-panel-head .hp-delta{display:inline-flex;align-items:center;gap:4px;background:#5eead424;color:#5eead4;padding:4px 9px;border-radius:20px;font-size:.76rem;font-weight:700}.hero-float-card{position:absolute;background:#0b2545eb;border:1px solid rgba(201,153,58,.35);border-radius:14px;padding:10px 14px;box-shadow:0 12px 32px #00000059;display:flex;align-items:center;gap:10px}.hero-float-card .fc-num{color:var(--gold);font-family:var(--font-display);font-size:1.15rem;line-height:1}.hero-float-card .fc-label{color:#fff9;font-size:.68rem;margin-top:2px}.hero-float-1{top:-18px;right:12px}.hero-float-2{bottom:-16px;left:8px}.market-strip{background:#081d38;border-top:1px solid rgba(255,255,255,.06);border-bottom:1px solid rgba(255,255,255,.06)}.bento-grid{display:grid;grid-template-columns:repeat(4,1fr);grid-auto-rows:minmax(150px,auto);gap:16px}.bento-tile{position:relative;border-radius:18px;padding:24px;display:flex;flex-direction:column;justify-content:space-between;overflow:hidden;border:1px solid var(--lg);background:var(--white);transition:transform .2s ease,box-shadow .2s ease,border-color .2s ease}.bento-tile:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg);border-color:transparent}.bento-tile.span-2{grid-column:span 2}.bento-tile.span-2-row{grid-row:span 1}.bento-tile.featured{grid-column:span 2;grid-row:span 2;background:linear-gradient(155deg,var(--navy) 0%,#0d3a68 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p{font-size:.8rem;margin:0}.ribbon-year{margin-left:auto;flex-shrink:0;font-family:var(--font-display);color:var(--gold);font-size:1.1rem}.sparkline-card{background:var(--white);border:1px solid var(--lg);border-radius:14px;padding:16px 18px}.sparkline-top{display:flex;justify-content:space-between;align-items:flex-start;margin-bottom:6px}.sparkline-name{font-size:.78rem;color:var(--mg);font-weight:600}.sparkline-val{font-size:1.15rem;font-weight:700;color:var(--navy);margin-top:2px}@media(max-width:980px){.hero-v2-grid{grid-template-columns:1fr}.hero-float-card{display:none}.bento-grid{grid-template-columns:repeat(2,1fr)}.bento-tile.featured{grid-column:span 2;grid-row:span 1}.journey-rail{grid-template-columns:repeat(4,1fr);row-gap:32px}.journey-rail:before{display:none}}@media(max-width:640px){.bento-grid{grid-template-columns:1fr}.bento-tile.featured,.bento-tile.span-2{grid-column:span 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