.ip-hero{position:relative;min-height:372px;display:flex;align-items:flex-end;background:linear-gradient(135deg,var(--navy-deep),var(--navy) 58%,#1e4a5a);overflow:hidden}.ip-hero-bg{position:absolute;inset:0;background-size:cover;background-repeat:no-repeat;opacity:.42;animation:ipZoom 16s ease-out both}@keyframes ipZoom{0%{transform:scale(1.08)}to{transform:scale(1)}}.ip-hero-scrim{position:absolute;inset:0;background:linear-gradient(to top,#10203ff0 4%,#10203f80 52%,#10203f47),linear-gradient(to right,rgba(16,32,63,.7) 0%,rgba(16,32,63,.1) 62%,transparent)}.ip-hero-inner{position:relative;z-index:2;padding:96px 0 46px;color:#fff}.ip-hero-bar{display:block;width:54px;height:4px;border-radius:3px;margin-bottom:18px;background:linear-gradient(90deg,var(--gold),var(--gold-2))}.ip-eyebrow{color:var(--gold-2);margin-bottom:.55em;text-shadow:0 1px 10px rgba(10,20,40,.5)}.ip-hero h1{color:#fff;font-family:var(--font-serif);font-size:clamp(34px,4.6vw,55px);line-height:1.05;margin:0;letter-spacing:.4px;text-shadow:0 2px 22px rgba(10,20,40,.5)}.ip-hero-sub{font-family:var(--font-body);font-size:clamp(15px,1.4vw,18px);color:#eaf0fb;margin:15px 0 0;max-width:730px;text-shadow:0 1px 12px rgba(10,20,40,.5)}.ip-hero-meta{display:flex;flex-wrap:wrap;gap:10px;margin-top:22px}.ip-meta-chip{display:inline-flex;align-items:center;gap:6px;padding:7px 15px;border-radius:999px;background:#ffffff1a;border:1px solid rgba(255,255,255,.22);font-family:var(--font-body);font-size:12.5px;font-weight:700;letter-spacing:.3px;color:#fff}.ip-meta-chip svg{color:var(--gold-2)}.ip-crumbs{background:var(--cream-2);border-bottom:1px solid var(--line)}.ip-crumbs .wrap{padding:13px 0;font-family:var(--font-body);font-size:13.5px;color:#6b7583}.ip-crumbs a{color:var(--navy);font-weight:600}.ip-crumbs a:hover{color:var(--gold)}.ip-crumb-sep{margin:0 9px;color:#b7bdc7}.ip-crumb-cur{color:#6b7583}.ip-main{background:#fff}.ip-section{padding:clamp(46px,6vw,82px) 0}.ip-section.cream{background:var(--cream)}.ip-section.navy{background:var(--navy-deep);color:#dfe6f2}.ip-section+.ip-section{border-top:1px solid rgba(0,0,0,.03)}.prose-caln{max-width:none;font-family:var(--font-body);color:#33404f;font-size:16.5px;line-height:1.82}.prose-caln>*:first-child{margin-top:0}.prose-caln h2{font-family:var(--font-serif);color:var(--navy);font-size:clamp(24px,2.6vw,33px);line-height:1.18;margin:0 0 .5em}.prose-caln h3{font-family:var(--font-serif);color:var(--navy);font-size:clamp(20px,2vw,25px);margin:1.5em 0 .45em}.prose-caln p{margin:0 0 1.15em}.prose-caln p:last-child{margin-bottom:0}.prose-caln a{color:var(--gold);font-weight:600;text-decoration:underline;text-underline-offset:2px}.prose-caln a:hover{color:var(--navy)}.prose-caln .lead{font-size:19px;line-height:1.75;color:#2a3644}.ip-section.navy .prose-caln,.ip-section.navy .prose-caln h2,.ip-section.navy h2{color:#eef3fb}.ip-kicker{display:block;font-family:var(--font-body);font-size:11px;font-weight:700;letter-spacing:2.5px;text-transform:uppercase;color:var(--gold);margin-bottom:10px}.ip-section.navy .ip-kicker{color:var(--gold-2)}@media(max-width:640px){.ip-hero-inner{padding:80px 0 32px}}.ip-callout{margin-top:24px;padding:20px 26px;border-left:4px solid var(--gold);background:#fff;border-radius:0 12px 12px 0;font-size:16px;line-height:1.7;color:#33404f;box-shadow:var(--shadow-sm)}.ip-section.cream .ip-callout{background:#fff}.geo .geo-lead{max-width:720px;margin:0 0 26px;color:#cdd7ea;font-size:16.5px;line-height:1.75}.geo-pills{display:flex;flex-wrap:wrap;gap:10px}.geo-pill{display:inline-flex;align-items:center;gap:6px;padding:9px 16px;border-radius:999px;background:#ffffff12;border:1px solid rgba(255,255,255,.16);font-family:var(--font-body);font-size:14px;font-weight:600;color:#eaf0fb}.geo-pill svg{color:var(--gold-2)}.ip-faq-head{margin-bottom:26px}.ip-faq-head h2{font-family:var(--font-serif);color:var(--navy);font-size:clamp(24px,2.6vw,33px);margin:0}.ip-faq-item{border:1px solid var(--line);border-radius:14px;background:#fff;margin-bottom:13px;overflow:hidden;box-shadow:var(--shadow-sm);transition:border-color .2s}.ip-faq-item.is-open{border-color:var(--gold)}.ip-faq-q{width:100%;display:flex;align-items:center;justify-content:space-between;gap:18px;text-align:left;padding:19px 24px;background:none;border:0;cursor:pointer;font-family:var(--font-body);font-size:16.5px;font-weight:700;color:var(--navy);line-height:1.4}.ip-faq-q svg{flex:none;color:var(--gold);transition:transform .3s ease}.ip-faq-item.is-open .ip-faq-q svg{transform:rotate(180deg)}.ip-faq-a{max-height:0;overflow:hidden;transition:max-height .4s ease}.ip-faq-item.is-open .ip-faq-a{max-height:520px}.ip-faq-a p{margin:0;padding:0 24px 22px;font-size:15.5px;line-height:1.75;color:#4e6070}.ip-faq-a ul{margin:0;padding:0 24px 22px}.ip-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.ip-cards.two{grid-template-columns:repeat(2,1fr)}.ip-card{display:block;padding:26px;background:#fff;border:1px solid var(--line);border-radius:16px;box-shadow:var(--shadow-sm);transition:transform .2s,box-shadow .2s}a.ip-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-md)}.ip-card-ico{display:grid;place-items:center;width:48px;height:48px;border-radius:13px;background:var(--gold-soft);color:var(--gold);margin-bottom:15px}.ip-card h3{margin:0 0 5px;font-family:var(--font-serif);font-size:20px;color:var(--navy)}.ip-card p{margin:0;font-family:var(--font-body);font-size:14.5px;line-height:1.6;color:#5a6675}.ip-card .ip-card-link{display:inline-block;margin-top:12px;font-family:var(--font-body);font-size:13.5px;font-weight:700;color:var(--gold)}.cform-head{margin-bottom:26px}.cform-head h2{font-family:var(--font-serif);color:var(--navy);font-size:clamp(24px,2.6vw,33px);margin:0 0 .3em}.cform-head p{margin:0;font-family:var(--font-body);color:#4e6070;font-size:16px}.cform-head a{color:var(--gold);font-weight:700}@media(max-width:820px){.ip-cards,.ip-cards.two{grid-template-columns:1fr}}