.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}.ip-kicker{display:inline-flex;align-items:center;gap:10px;font-family:var(--font-sans);font-size:14px;font-weight:500;letter-spacing:0;text-transform:none;color:var(--ink-muted)}.ip-kicker-index{color:var(--accent)}.ip-kicker-rule{display:none}.ip-kicker--light{color:var(--ink-muted)}.ip-hero{--ip-gutter:clamp(24px,5vw,80px);position:relative;padding:calc(var(--nav-height) + var(--safe-top) + clamp(64px, 8vw, 116px)) 0 clamp(72px,9vw,128px);background:var(--bg);color:var(--ink)}.ip-hero--split,.ip-hero-inner{width:min(1440px,calc(100% - var(--ip-gutter) * 2));margin-inline:auto}.ip-hero-eyebrow{margin-bottom:clamp(24px,3vw,40px)}.ip-hero-title{margin:0;max-width:19ch;font-family:var(--font-editorial,var(--font-sans));font-size:clamp(2.75rem,5.1vw,5rem);font-weight:400;line-height:1.04;letter-spacing:-.035em;color:var(--ink);text-wrap:balance}.ip-hero-title em{font-style:normal}.ip-hero-lead{max-width:50ch;margin:clamp(24px,3vw,36px) 0 0;font-size:clamp(1.0625rem,1.3vw,1.25rem);line-height:1.6;color:var(--ink-light)}.ip-hero-actions{display:flex;flex-wrap:wrap;gap:14px;margin-top:32px}.ip-hero--split{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:clamp(48px,7vw,112px);align-items:center;padding-top:calc(var(--nav-height) + var(--safe-top) + clamp(36px, 5vw, 72px));padding-bottom:clamp(56px,7vw,104px)}.ip-hero-content{min-width:0;padding:20px 0}.ip-hero-copy{max-width:660px}.ip-hero--split .ip-hero-title{font-size:clamp(2.65rem,4.35vw,4.5rem);max-width:15ch}.ip-hero--split .ip-hero-lead{max-width:44ch}.ip-hero-media{position:relative;width:100%;aspect-ratio:5/6;min-height:0;margin:0;overflow:hidden;border-radius:clamp(18px,2.4vw,32px);background:var(--cream)}.ip-hero-media img{object-fit:cover;object-position:center 22%}.ip-hero--split[data-side=left] .ip-hero-content{order:2}.ip-hero--split[data-side=left] .ip-hero-media{order:1}.ip-hero--centered{text-align:center}.ip-hero--centered .ip-hero-copy{max-width:1000px;margin-inline:auto}.ip-hero--centered .ip-hero-title{max-width:20ch;margin-inline:auto}.ip-hero--centered .ip-hero-lead{max-width:54ch;margin-inline:auto}.ip-hero--centered .ip-hero-actions{justify-content:center}.ip-hero--compact{padding-bottom:clamp(48px,6vw,80px)}.ip-hero--compact .ip-hero-title{font-size:clamp(2.5rem,4.6vw,4.25rem)}.ip-hero--editorial{width:min(1440px,calc(100% - var(--ip-gutter) * 2));margin-inline:auto;padding-top:calc(var(--nav-height) + var(--safe-top) + clamp(44px, 5vw, 72px));padding-bottom:clamp(44px,6vw,88px)}.ip-hero--editorial .ip-hero-copy{display:grid;grid-template-columns:minmax(0,1.2fr) minmax(0,.8fr);gap:0 clamp(48px,8vw,128px);max-width:none;align-items:start}.ip-hero--editorial .ip-hero-eyebrow{grid-column:1/-1;margin-bottom:22px}.ip-hero--editorial .ip-hero-title{grid-column:1;grid-row:2/span 2;max-width:19ch;font-size:clamp(3rem,5.6vw,5.4rem)}.ip-hero--editorial .ip-hero-lead{grid-column:2;grid-row:2;margin-top:5px;font-size:clamp(1rem,1.3vw,1.125rem)}.ip-hero--editorial .ip-hero-actions{grid-column:2;grid-row:3;margin-top:24px}.ip-hero--editorial .ip-hero-media{margin-top:clamp(32px,4vw,56px);aspect-ratio:2.7;max-height:480px}@media (max-width:760px){.ip-hero--editorial .ip-hero-copy{display:block}.ip-hero--editorial .ip-hero-title{font-size:clamp(2.65rem,9.5vw,4.5rem)}.ip-hero--editorial .ip-hero-lead{margin-top:22px}.ip-hero--editorial .ip-hero-media{aspect-ratio:1.35}}.bio-page .ip-hero--split{gap:clamp(48px,6vw,96px)}.bio-page .ip-hero-title{max-width:13ch}.bio-page .ip-hero-media{aspect-ratio:4/5}.bio-page .ip-hero-actions{flex-direction:column;align-items:flex-start;gap:28px}.bio-page .ip-hero-actions>a{padding-bottom:3px;font-size:15px;color:var(--ink);text-decoration:none;border-bottom:1px solid var(--ink-muted)}.bio-page .ip-hero-actions>a:hover{color:var(--accent);border-color:var(--accent)}.bio-creds{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:28px;width:100%;max-width:560px;margin:0;padding-top:24px;border-top:1px solid var(--line-dark)}.bio-cred .ip-kicker{display:flex;margin-bottom:14px;font-size:13px}.bio-cred dd{margin:0}.bio-cred dd+dd{margin-top:14px}.bio-cred-name{display:block;font-size:clamp(1.0625rem,1.45vw,1.3rem);font-weight:500;line-height:1.25;color:var(--ink)}.bio-cred-detail{display:block;margin-top:5px;font-size:13.5px;line-height:1.5;color:var(--ink-muted)}@media (max-width:900px){.ip-hero--split{grid-template-columns:1fr;gap:36px}.ip-hero--split .ip-hero-content,.ip-hero--split[data-side=left] .ip-hero-content{order:1;padding:0}.ip-hero--split .ip-hero-media,.ip-hero--split[data-side=left] .ip-hero-media{order:2;aspect-ratio:5/4;max-height:620px}.ip-hero--split .ip-hero-copy{max-width:700px}.ip-hero--split .ip-hero-title{max-width:19ch;font-size:clamp(2.6rem,6vw,4.2rem)}.bio-page .ip-hero--split{gap:36px}.bio-page .ip-hero--split .ip-hero-content{order:2}.bio-page .ip-hero--split .ip-hero-media{order:1;aspect-ratio:4/5;max-width:540px;max-height:none}}@media (max-width:560px){.ip-hero{padding-top:calc(var(--nav-height) + var(--safe-top) + 48px);padding-bottom:64px}.ip-hero--split{padding-top:calc(var(--nav-height) + var(--safe-top) + 32px);padding-bottom:56px}.ip-hero--split .ip-hero-title,.ip-hero-title{font-size:clamp(2.55rem,10.5vw,3.4rem);letter-spacing:-.04em}.ip-hero-eyebrow{margin-bottom:24px}.ip-hero-lead{margin-top:24px}.bio-creds{grid-template-columns:1fr;gap:24px}}.ip-btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:48px;padding:0 24px;border-radius:var(--radius-pill,999px);font-family:var(--font-sans);font-size:15px;font-weight:500;letter-spacing:0;border:1px solid transparent;transition:background .25s var(--ease-soft),border-color .25s var(--ease-soft),color .25s var(--ease-soft),transform .25s var(--ease-soft)}.ip-btn--accent{background:var(--accent);color:#fff;border-color:var(--accent)}.ip-btn--accent:hover{background:var(--accent-bright);border-color:var(--accent-bright);transform:translateY(-2px)}.ip-btn--glass{background:transparent;color:var(--ink);border-color:var(--line-dark);-webkit-backdrop-filter:none;backdrop-filter:none}.ip-btn--glass:hover{background:var(--cream);border-color:var(--ink)}.ip-btn--ink{background:var(--ink);color:#fff;border-color:var(--ink)}.ip-btn--ink:hover{background:var(--accent);border-color:var(--accent);transform:translateY(-2px)}.ip-btn--outline{background:transparent;color:var(--ink);border-color:var(--line-dark)}.ip-btn--outline:hover{background:transparent;color:var(--accent);border-color:var(--accent);transform:translateY(-2px)}.ip-section{position:relative;padding:clamp(72px,9vw,128px) 0;background:var(--bg);border-bottom:none}.ip-section--warm{background:var(--bg-warm)}.ip-section--card{background:var(--bg-card)}.ip-section--cream{background:var(--cream)}.ip-section--tight{padding:clamp(48px,6vw,80px) 0}.ip-section--dark{background:var(--bg-terminal);color:#f4f7f3}.ip-section--dark .ip-title{color:#fff}.ip-section--dark .ip-intro{color:rgba(244,247,243,.66)}.ip-wrap{width:min(1320px,calc(100% - clamp(48px, 10vw, 160px)));margin:0 auto}.ip-wrap--narrow{width:min(760px,calc(100% - clamp(48px, 10vw, 160px)))}.ip-head{max-width:800px}.ip-head--center{max-width:800px;margin-left:0;margin-right:0;text-align:left}.ip-head--center .ip-kicker{justify-content:flex-start}.ip-head-eyebrow{margin-bottom:clamp(16px,2vw,22px)}.ip-title{margin:0;font-family:var(--font-editorial,var(--font-sans));font-size:clamp(2rem,3.6vw,3.5rem);font-weight:400;line-height:1.1;letter-spacing:-.035em;color:var(--ink);text-wrap:balance}.ip-intro{max-width:57ch;margin:clamp(18px,2vw,26px) 0 0;font-size:clamp(1.0625rem,1.25vw,1.1875rem);font-weight:400;line-height:1.65;color:var(--ink-light)}.ip-head--center .ip-intro{margin-left:0;margin-right:0}.ip-intro a{color:var(--accent);border-bottom:1px solid transparent;transition:border-color .2s}.ip-intro a:hover{border-bottom-color:var(--accent)}.ip-intro a.fee-disclosure{display:block;width:fit-content;margin-top:14px;font-size:.78em;font-weight:400;color:var(--ink-muted);white-space:nowrap;letter-spacing:.01em}.ip-intro a.fee-disclosure:hover{color:var(--accent);border-bottom-color:transparent}.ip-head--center .ip-intro a.fee-disclosure{margin-inline:0}.ip-body{margin-top:clamp(40px,5vw,64px)}.ip-statement{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:clamp(36px,5vw,88px);align-items:start}.ip-statement-kicker{margin-bottom:clamp(14px,1.6vw,20px)}.ip-statement-title{margin:0;font-family:var(--font-editorial,var(--font-sans));font-size:clamp(2rem,3.4vw,3.25rem);font-weight:400;line-height:1.12;letter-spacing:-.035em;color:var(--ink);text-wrap:balance}.ip-statement-body{padding-top:clamp(2px,.8vw,10px)}.ip-statement-p{margin:0;font-size:1.0625rem;font-weight:400;line-height:1.7;color:var(--ink-light)}.ip-statement-p+.ip-statement-p{margin-top:1.1rem}.ip-section--dark .ip-statement-title{color:#fff}.ip-section--dark .ip-statement-p{color:rgba(244,247,243,.7)}@media (max-width:860px){.ip-statement{grid-template-columns:1fr;gap:clamp(20px,5vw,28px)}}.ip-difflist{max-width:700px}.ip-diff{padding:clamp(14px,1.8vw,20px) 0;border-top:1px solid var(--line-dark)}.ip-diff:first-child{border-top:none;padding-top:0}.ip-diff-title{margin:0 0 .6rem;font-family:var(--font-sans);font-size:1.15rem;font-weight:600;letter-spacing:-.01em;color:var(--ink)}.ip-diff-body{margin:0;font-size:1rem;font-weight:400;line-height:1.66;color:var(--ink-light)}.ip-diff-body+.ip-diff-body{margin-top:.8rem}.ip-section--dark .ip-diff{border-top-color:rgba(244,247,243,.18)}.ip-section--dark .ip-diff-title{color:#fff}.ip-section--dark .ip-diff-body{color:rgba(244,247,243,.7)}#debt-why .ip-diff{padding:clamp(22px,2.8vw,32px) 0}#debt-why .ip-diff:first-child{padding-top:0}.ip-stats{display:grid;grid-template-columns:repeat(var(--cols,4),1fr);gap:clamp(24px,4vw,64px);padding-top:32px;border-top:1px solid var(--line-dark)}.ip-stat-value{font-family:var(--font-sans);font-size:clamp(2.25rem,3.8vw,3.25rem);font-weight:500;line-height:1;letter-spacing:-.03em;font-variant-numeric:tabular-nums;color:var(--ink)}.ip-stat-label{max-width:26ch;margin-top:16px;font-size:14px;line-height:1.5;color:var(--ink-muted)}.ip-section--dark .ip-stats{border-top-color:rgba(244,247,243,.18)}.ip-section--dark .ip-stat-value{color:#9bd4a0}.ip-section--dark .ip-stat-label{color:rgba(244,247,243,.6)}@media (min-width:981px){#difference-research .ip-stats{gap:0;padding-top:0;border-top:none}#difference-research .ip-stats>div{padding-inline:clamp(28px,3.4vw,52px)}#difference-research .ip-stats>div:first-child{padding-left:0}#difference-research .ip-stats>div:last-child{padding-right:0}#difference-research .ip-stats>div+div{border-left:1px solid var(--line-dark)}}#retire-stats .ip-stats{border-top:none;padding-top:0}@media (min-width:721px){#retire-stats .ip-stat-value{font-size:clamp(2rem,3.2vw,2.9rem);white-space:nowrap}}@media (max-width:720px){#retire-stats .ip-stats{grid-template-columns:1fr!important;gap:clamp(20px,6vw,30px)}#retire-stats .ip-stat-value{font-size:clamp(2rem,7.5vw,2.5rem)}}@media (min-width:721px){#physicians-stats .ip-stat-value{font-size:clamp(1.8rem,2.7vw,2.5rem);white-space:nowrap}}.residents-start-cta{display:flex;flex-wrap:wrap;gap:14px;margin-top:clamp(28px,3vw,38px)}@media (min-width:721px){#residents-stats .ip-stat-value{font-size:clamp(1.8rem,2.7vw,2.5rem);white-space:nowrap}}#physicians-services .ip-statement{align-items:center}#physicians-services .ip-statement-title{font-size:clamp(2.2rem,4vw,3.2rem);line-height:1.08}#physicians-services .ip-statement-p{margin-top:clamp(16px,1.8vw,22px);max-width:44ch}#physicians-services .ip-statement-p a{color:var(--accent);white-space:nowrap;border-bottom:1px solid transparent;transition:border-color .25s var(--ease-soft)}#physicians-services .ip-statement-p a:hover{border-bottom-color:var(--accent)}.ip-source{margin-top:clamp(20px,2.4vw,28px);font-family:var(--font-sans);font-size:13px;font-weight:500;letter-spacing:0;text-transform:none;color:var(--ink-muted);opacity:.8}.ip-section--dark .ip-source{color:rgba(244,247,243,.4)}.ip-features{border-top:1px solid var(--line)}.ip-feature{display:grid;grid-template-columns:minmax(0,.85fr) minmax(0,1.15fr);gap:clamp(20px,4vw,64px);padding:clamp(26px,3vw,38px) 0;border-bottom:1px solid var(--line)}.ip-feature-head{display:flex;align-items:baseline;gap:16px}.ip-feature-index{font-family:var(--font-sans);font-size:12px;font-weight:500;letter-spacing:.08em;color:var(--accent);flex-shrink:0}.ip-feature-title{margin:0;font-family:var(--font-sans);font-size:clamp(1.35rem,2vw,1.7rem);font-weight:400;line-height:1.18;letter-spacing:-.01em;color:var(--ink)}.ip-feature-body{margin:0;font-size:1rem;font-weight:400;line-height:1.66;color:var(--ink-light)}.ip-feature-body+.ip-feature-body{margin-top:.9rem}.ip-cards{display:grid;grid-template-columns:repeat(var(--cols,3),1fr);gap:clamp(28px,3.5vw,56px)}.ip-card{position:relative;display:flex;flex-direction:column;padding:28px 0 0;background:transparent;border:0;border-radius:0;overflow:visible;transition:border-color .25s var(--ease-soft),transform .35s var(--ease-soft);border-top:1px solid var(--line-dark)}.ip-card-media{position:relative;margin:0 0 24px;aspect-ratio:4/3;overflow:hidden;background:var(--cream);border-radius:20px}.ip-card-media img{object-fit:cover;transition:transform .7s var(--ease-refined,var(--ease-soft))}.ip-card-media--visual{display:flex;align-items:center;justify-content:center;padding:clamp(20px,3vw,34px);background:var(--accent-light)}.ip-card-media--visual svg{display:block;width:100%;max-width:230px;height:auto}.ip-card:after{content:"";position:absolute;left:0;right:0;bottom:0;height:3px;background:var(--accent);transform:scaleX(0);transform-origin:left;transition:transform .5s var(--ease-soft);display:none}a.ip-card:hover{transform:translateY(-3px);box-shadow:none;border-color:var(--accent)}a.ip-card:hover:after{transform:scaleX(1)}.ip-card-index{font-family:var(--font-sans);font-size:14px;line-height:1;color:var(--ink-muted);margin-bottom:32px;transition:color .4s var(--ease-soft);font-weight:500}a.ip-card:hover .ip-card-index{color:var(--accent)}.ip-card-eyebrow{font-size:13px;letter-spacing:0;text-transform:none;color:var(--accent);margin-bottom:.9rem}.ip-card-eyebrow,.ip-card-title{font-family:var(--font-sans);font-weight:500}.ip-card-title{margin:0 0 .7rem;font-size:clamp(1.4rem,2vw,1.75rem);line-height:1.18;color:var(--ink);letter-spacing:-.025em}.ip-card-body{margin:0;font-size:1rem;font-weight:400;line-height:1.65;color:var(--ink-light)}.ip-card-body+.ip-card-body{margin-top:.8rem}.ip-check-list{list-style:none;margin:.35rem 0 0;padding:0;display:flex;flex-direction:column;gap:12px}.ip-check-list li{position:relative;padding-left:26px;font-size:.95rem;font-weight:400;line-height:1.55;color:var(--ink-light)}.ip-check-list li:before{content:"";position:absolute;left:0;top:2px;width:16px;height:16px;background-repeat:no-repeat;background-position:50%;background-size:16px 16px;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16' fill='none'%3E%3Cpath d='M3.5 8.5l3 3 6-7' stroke='%232d5a3d' stroke-width='1.6' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E")}.fee-plans{display:grid;grid-template-columns:1fr 1fr;gap:clamp(36px,5vw,80px);max-width:none;margin:0 auto;text-align:left}.fee-plan{position:relative}.fee-plan+.fee-plan:before{content:"";position:absolute;top:6px;bottom:6px;left:calc(clamp(36px, 5vw, 80px) / -2);width:1px;background:var(--line-dark)}.fee-plan-label{margin:0 0 .9rem;font-size:13px;letter-spacing:0;text-transform:none;color:var(--accent)}.fee-plan-label,.fee-plan-rate{font-family:var(--font-sans);font-weight:500}.fee-plan-rate{margin:0 0 1rem;font-size:clamp(3rem,6vw,3.6rem);line-height:1;color:var(--ink);letter-spacing:-.035em}.fee-unit{font-size:.28em;font-weight:400;letter-spacing:0;color:var(--ink-muted);margin-left:.2em}.fee-plan-desc{max-width:42ch;margin:0;font-size:.97rem;font-weight:400;line-height:1.6;color:var(--ink-light)}@media (max-width:760px){.fee-plans{grid-template-columns:1fr;gap:0}.fee-plan{padding:clamp(30px,8vw,40px) 0}.fee-plan+.fee-plan:before{left:0;right:0;top:0;bottom:auto;width:auto;height:1px}}.fee-note{margin-top:clamp(20px,2.4vw,28px);font-size:13.5px;line-height:1.65;color:var(--ink-muted);max-width:72ch}.fee-note a{color:var(--accent);border-bottom:1px solid transparent;transition:border-color .25s}.fee-note a:hover{border-bottom-color:var(--accent)}#fee-included .ip-statement,#physicians-services .ip-statement{align-items:start}#fee-included .ip-statement-title{font-size:clamp(2rem,3.4vw,3.25rem)}.fee-carousel{position:relative}.fee-carousel-track{margin:0;padding:0;list-style:none}.fee-carousel-track li{padding:18px 0;border-bottom:1px solid var(--line-dark);font-family:var(--font-sans);font-size:clamp(1.25rem,2vw,1.65rem);font-weight:400;letter-spacing:-.02em;line-height:1.3;color:var(--ink)}.fee-carousel-track li:first-child{padding-top:0}.fee-carousel-track li[aria-hidden=true]{display:none}.infotip{position:relative;display:inline-flex;vertical-align:middle;margin-left:5px}.infotip-btn{display:inline-flex;align-items:center;justify-content:center;padding:0;width:16px;height:16px;border:0;background:none;color:var(--ink-muted);cursor:pointer;border-radius:50%;transition:color .2s}.infotip-btn:hover,.infotip-btn[aria-expanded=true]{color:var(--accent)}.infotip-btn:focus-visible{outline:2px solid var(--accent);outline-offset:2px}.infotip-pop{position:absolute;bottom:calc(100% + 9px);left:50%;transform:translateX(-50%) translateY(4px);z-index:20;width:max-content;max-width:260px;padding:12px 14px;background:var(--bg,#f8f6f1);border:1px solid var(--hairline,rgba(26,26,24,.12));border-radius:4px;box-shadow:none;opacity:0;visibility:hidden;pointer-events:none;transition:opacity .18s ease,transform .18s ease,visibility .18s;text-align:left}.infotip-pop.is-open{opacity:1;visibility:visible;pointer-events:auto;transform:translateX(-50%) translateY(0)}.infotip-pop:after{content:"";position:absolute;top:100%;left:50%;transform:translateX(-50%);border:6px solid transparent;border-top:6px solid var(--bg,#f8f6f1)}.infotip-text{display:block;font-size:13px;font-weight:400;line-height:1.55;color:var(--ink,#1a1a18)}.infotip-link{display:inline-flex;align-items:center;gap:5px;margin-top:9px;font-size:12.5px;font-weight:500;color:var(--accent);border-bottom:1px solid transparent;transition:border-color .2s}.infotip-link:hover{border-bottom-color:var(--accent)}@media (max-width:520px){.infotip-pop{max-width:220px}}.ip-card-link{display:inline-flex;align-items:center;gap:8px;margin-top:1.5rem;font-size:.9rem;font-weight:500;color:var(--accent)}.ip-card-link:after{content:"";transition:transform .3s var(--ease-soft)}a.ip-card:hover .ip-card-link:after{transform:translateX(4px)}.ip-card-spacer{margin-top:auto}.ip-aside{margin:0 0 clamp(28px,3.5vw,44px);font-size:.92rem;line-height:1.6;color:var(--ink-muted)}.ip-aside:last-child{margin-bottom:0}.ip-aside a{color:var(--accent);font-weight:500;text-decoration:none;white-space:nowrap}.ip-aside a:hover{color:var(--accent-ink)}.ip-aside a span{display:inline-block;transition:transform .3s var(--ease-soft)}.ip-aside a:hover span{transform:translateX(3px)}.ip-pillars{display:grid;grid-template-columns:repeat(var(--cols,3),1fr);gap:clamp(28px,3.5vw,56px)}.ip-pillar{padding-top:26px;border-top:1px solid var(--line-dark)}.ip-pillar-title{margin:0 0 .9rem;font-family:var(--font-sans);font-size:1.4rem;font-weight:500;line-height:1.2;color:var(--ink);letter-spacing:-.025em}.ip-pillar-body{margin:0;font-size:.98rem;font-weight:400;line-height:1.66;color:var(--ink-light)}.ip-pillar-body+.ip-pillar-body{margin-top:.8rem}.ip-section--dark .ip-pillar{border-top-color:#9bd4a0}.ip-section--dark .ip-pillar-title{color:#fff}.ip-section--dark .ip-pillar-body{color:rgba(244,247,243,.68)}.ip-steps{display:grid;grid-template-columns:repeat(var(--cols,3),1fr);gap:clamp(28px,3.5vw,48px);counter-reset:step}.ip-step{position:relative;padding-top:24px;border-top:1px solid var(--line-dark)}.ip-step-num{font-size:14px;line-height:1;color:var(--ink-muted);margin-bottom:32px}.ip-step-num,.ip-step-title{font-family:var(--font-sans)}.ip-step-title{margin:0 0 .6rem;font-size:1.5rem;font-weight:500;color:var(--ink);letter-spacing:-.025em}.ip-step-body{margin:0;font-size:.96rem;font-weight:400;line-height:1.62;color:var(--ink-light)}.ip-section--dark .ip-step-num{color:#9bd4a0}.ip-section--dark .ip-step-title{color:#fff}.ip-section--dark .ip-step-body{color:rgba(244,247,243,.68)}.ip-split{display:grid;grid-template-columns:1fr 1fr;gap:clamp(36px,5vw,80px);align-items:center}.ip-split--top{align-items:start}.ip-split-copy{min-width:0}.ip-split-media{position:relative;aspect-ratio:4/5;max-height:600px;border-radius:clamp(18px,2.4vw,32px);overflow:hidden;background:var(--cream)}.ip-split-media img{object-fit:cover}.ip-split-media video{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}.ip-split-media--wide{aspect-ratio:5/4}.ip-split-media--tall{aspect-ratio:3/4;max-height:760px}.ip-split-media--phone{aspect-ratio:4/5}.ip-quote{max-width:880px;margin:0 auto;text-align:center}.ip-quote-rule{width:48px;height:1px;background:var(--line-dark);margin:0 auto clamp(28px,3vw,40px)}.ip-quote-text{margin:0;font-family:var(--font-sans);font-size:clamp(1.5rem,3vw,2.3rem);font-weight:400;font-style:italic;line-height:1.34;letter-spacing:-.01em;color:var(--ink)}.ip-section--dark .ip-quote-text{color:#fff}.ip-section--dark .ip-quote-rule{background:rgba(244,247,243,.3)}.ip-quote-author{margin-top:clamp(24px,3vw,34px);font-family:var(--font-sans);font-size:13px;font-weight:500;letter-spacing:0;text-transform:none;color:var(--ink-muted)}.ip-section--dark .ip-quote-author{color:rgba(244,247,243,.55)}.ip-compare-outer{position:relative}.ip-compare-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch}.ip-compare-hint{display:none;font-size:13px;letter-spacing:0;text-transform:none}.ip-compare{width:100%;min-width:640px;border-collapse:collapse;font-size:.92rem}.ip-compare td,.ip-compare th{padding:1rem 1.1rem;text-align:center;border-bottom:1px solid var(--line)}.ip-compare thead th{font-family:var(--font-sans);font-size:13px;font-weight:600;letter-spacing:0;text-transform:none;color:var(--ink-muted);vertical-align:bottom}.ip-compare tbody td:first-child,.ip-compare tbody th{text-align:left;font-weight:400;color:var(--ink);font-family:var(--font-sans);font-size:.95rem}.ip-compare .ip-compare-yes{color:var(--accent);font-weight:600}.ip-compare .ip-compare-no{color:var(--ink-muted);opacity:.5}.ip-compare .ip-compare-mid{color:var(--ink-muted);font-size:.82rem}.ip-compare td.ip-compare-us,.ip-compare th.ip-compare-us{background:var(--accent-light)}.ip-compare th.ip-compare-us{color:var(--accent);font-family:var(--font-sans);font-size:1.05rem;letter-spacing:0;text-transform:none}.ip-compare tbody tr:last-child td{border-bottom:none}.ip-faq{max-width:860px}.ip-faq--wide{max-width:none}.ip-faq--center{margin-inline:auto;max-width:760px}.ip-faq--center .ip-faq-group-label{text-align:left}.faq-page .ip-hero{padding-top:calc(var(--nav-height) + var(--safe-top) + clamp(20px, 3vw, 36px));padding-bottom:clamp(20px,2.6vw,32px)}.faq-page .ip-hero--centered .ip-hero-inner{max-width:1100px}.faq-page .ip-hero--centered .ip-hero-title{max-width:26ch;font-size:clamp(2.8rem,6vw,5rem)}.faq-page .ip-hero--centered .ip-hero-lead{max-width:42ch}.faq-page .ip-section{padding-top:clamp(24px,3.5vw,44px)}.ip-faq-group+.ip-faq-group{margin-top:clamp(36px,4vw,56px)}.ip-faq-group-label{font-family:var(--font-sans);font-size:13px;font-weight:600;letter-spacing:0;text-transform:none;color:var(--accent);margin-bottom:.75rem;padding-bottom:.75rem;border-bottom:1px solid var(--line-dark)}.ip-faq-item{border:0;border-bottom:1px solid var(--line);background:transparent;border-radius:0;padding:0;margin:0 -20px;transition:background .3s var(--ease-soft)}.ip-faq-item[open]{background:color-mix(in srgb,var(--accent-light) 60%,transparent);border-bottom-color:transparent;border-radius:16px}.ip-faq-item summary{display:flex;align-items:center;justify-content:space-between;gap:1.75rem;list-style:none;cursor:pointer;padding:clamp(1.4rem,2vw,1.75rem) 20px;font-family:var(--font-sans);font-size:clamp(1.2rem,1.5vw,1.45rem);font-weight:500;letter-spacing:-.01em;line-height:1.3;color:var(--ink);transition:color .25s var(--ease-soft)}.ip-faq-item summary:hover{color:var(--accent)}.ip-faq-item summary::-webkit-details-marker{display:none}.ip-faq-icon{position:relative;flex-shrink:0;width:32px;height:32px;border-radius:50%;border:1px solid var(--line-dark);transition:background .25s var(--ease-soft),border-color .25s var(--ease-soft)}.ip-faq-item[open] .ip-faq-icon{background:var(--bg);border-color:transparent}.ip-faq-icon:after,.ip-faq-icon:before{content:"";position:absolute;top:50%;left:50%;width:15px;height:1.5px;background:var(--accent);transform:translate(-50%,-50%);transition:transform .3s var(--ease-soft)}.ip-faq-icon:after{transform:translate(-50%,-50%) rotate(90deg)}.ip-faq-item[open] .ip-faq-icon:after{transform:translate(-50%,-50%) rotate(0deg)}.ip-faq-answer{margin:0;padding:0 20px 1.75rem;max-width:68ch;font-size:1rem;font-weight:400;line-height:1.66;color:var(--ink-light)}.ip-faq-answer a{color:var(--accent);border-bottom:1px solid transparent;transition:border-color .25s}.ip-faq-answer a:hover{border-bottom-color:var(--accent)}.ip-faq-item[open] .ip-faq-answer{animation:ip-answer-in .35s var(--ease-soft)}@keyframes ip-answer-in{0%{opacity:.35;transform:translateY(-6px)}to{opacity:1;transform:translateY(0)}}.ip-sources{margin-top:clamp(28px,3.5vw,44px);padding-top:clamp(18px,2vw,24px);border-top:1px solid var(--line);max-width:780px}.ip-sources-label{display:block;font-family:var(--font-sans);font-size:13px;font-weight:600;letter-spacing:0;text-transform:none;color:var(--accent);margin-bottom:.85rem}.ip-sources-list{margin:0;padding-left:1.5rem;display:flex;flex-direction:column;gap:.6rem;list-style:decimal}.ip-sources-list li{font-family:var(--font-sans);font-size:12.5px;line-height:1.55;color:var(--ink-muted);padding-left:.3rem}.ip-sources-list li a{color:var(--accent);border-bottom:1px solid transparent;transition:border-color .25s var(--ease-soft)}.ip-sources-list li a:hover{border-bottom-color:var(--accent)}.ip-sources-note{margin:.95rem 0 0;font-size:12px;font-style:italic;line-height:1.55;color:var(--ink-muted);opacity:.85}.ip-section--dark .ip-sources{border-top-color:rgba(244,247,243,.18)}.ip-section--dark .ip-sources-label{color:#9bd4a0}.ip-section--dark .ip-sources-list li,.ip-section--dark .ip-sources-note{color:rgba(244,247,243,.6)}.ip-note{border-left:2px solid var(--accent);background:transparent;border-radius:0;padding:0 0 0 24px;font-size:.92rem;line-height:1.6;color:var(--accent-ink)}.ip-note strong{font-weight:600}.ip-cta{position:relative;width:min(1440px,calc(100% - clamp(32px, 5vw, 80px)));margin:0 auto clamp(20px,3vw,48px);padding:clamp(52px,7vw,96px) 0;background:var(--pine,#0e2d25);border-radius:clamp(24px,3vw,40px);color:var(--on-pine,#f4f5ee);text-align:left;overflow:hidden;border-bottom:none}.ip-cta-inner{position:relative;z-index:1;display:grid;width:calc(100% - clamp(48px, 9vw, 128px));grid-template-columns:minmax(0,1fr) auto;column-gap:64px;align-items:start}.ip-cta-title{margin:0;max-width:24ch;font-family:var(--font-editorial,var(--font-sans));font-size:clamp(2rem,3.4vw,3.2rem);line-height:1.12;letter-spacing:-.035em;color:var(--on-pine,#f4f5ee)}.ip-cta-sub,.ip-cta-title{font-weight:400;grid-column:1}.ip-cta-sub{max-width:54ch;margin:24px 0 0;font-size:1.0625rem;line-height:1.55;color:var(--on-pine-muted,#bccac2)}.ip-cta-actions{display:flex;flex-wrap:wrap;justify-content:flex-start;gap:14px;margin-top:8px;grid-column:2;grid-row:1/span 2;flex-direction:column;align-items:stretch}.ip-cta-note{margin-top:clamp(22px,2.8vw,34px);font-family:var(--font-sans);font-size:13px;font-weight:500;letter-spacing:0;text-transform:none;color:var(--on-pine-muted,#bccac2);grid-column:1/-1}.ip-cta .ip-btn--accent{background:var(--on-pine,#f4f5ee);border-color:var(--on-pine,#f4f5ee);color:var(--pine,#0e2d25)}.ip-cta .ip-btn--accent:hover{background:var(--on-pine-muted,#bccac2);border-color:var(--on-pine-muted,#bccac2)}.ip-cta .ip-btn--outline{background:transparent;border-color:var(--on-pine-muted,#bccac2);color:var(--on-pine,#f4f5ee)}.ip-cta .ip-btn--outline:hover{background:var(--pine-soft,#18382e);border-color:var(--on-pine,#f4f5ee)}.ip-cta .ip-btn:focus-visible{outline:2px solid var(--on-pine,#f4f5ee);outline-offset:5px}.ip-prose{max-width:760px}.ip-prose>*+*{margin-top:1.1rem}.ip-prose h2{margin-top:clamp(2.4rem,4vw,3.2rem);font-size:clamp(1.5rem,2.4vw,1.95rem);font-weight:500;line-height:1.2;letter-spacing:-.025em}.ip-prose h2,.ip-prose h3{font-family:var(--font-sans);color:var(--ink)}.ip-prose h3{margin-top:2rem;font-size:1.05rem;font-weight:600}.ip-prose li,.ip-prose p{font-size:1.0625rem;font-weight:400;line-height:1.75;color:var(--ink-light)}.ip-prose ul{margin-left:1.1rem;list-style:disc}.ip-prose li{margin-top:.5rem}.ip-prose a{color:var(--accent);border-bottom:1px solid transparent;transition:border-color .25s}.ip-prose a:hover{border-bottom-color:var(--accent)}.ip-prose strong{font-weight:600;color:var(--ink)}.ip-prose-meta{font-family:var(--font-sans);font-size:13px;letter-spacing:0;text-transform:none;color:var(--ink-muted)}.ip-form{gap:1.1rem}.ip-field,.ip-form{display:flex;flex-direction:column}.ip-field{gap:.45rem}.ip-field label{font-family:var(--font-sans);font-size:14px;font-weight:500;letter-spacing:0;color:var(--ink)}.ip-field input,.ip-field select,.ip-field textarea{width:100%;padding:.85rem 1rem;font-family:var(--font-sans);font-size:16px;color:var(--ink);background:var(--bg-card);border:1px solid var(--line-dark);border-radius:var(--radius-sm,12px);transition:border-color .25s var(--ease-soft),box-shadow .25s var(--ease-soft)}.ip-field input:focus,.ip-field select:focus,.ip-field textarea:focus{outline:none;border-color:var(--accent);box-shadow:0 0 0 3px var(--accent-light)}.ip-field textarea{resize:vertical;min-height:120px}.ip-form-row{display:grid;grid-template-columns:1fr 1fr;gap:1.1rem}.ip-form .ip-btn[disabled]{opacity:.6;cursor:default;pointer-events:none}.ip-field--invalid input,.ip-field--invalid textarea{border-color:#c0473a}.ip-field--invalid input:focus,.ip-field--invalid textarea:focus{border-color:#c0473a;box-shadow:0 0 0 3px rgba(192,71,58,.16)}.ip-field-error{display:flex;align-items:center;gap:.4rem;font-family:var(--font-sans);font-size:.82rem;line-height:1.4;color:#a3372c;margin-top:.1rem}.ip-field-error:before{content:"";flex:0 0 auto;width:14px;height:14px;border-radius:50%;background:#c0473a;-webkit-mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath fill='black' d='M11 7h2v7h-2zm0 9h2v2h-2z'/%3E%3C/svg%3E") center /14px no-repeat;mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath fill='black' d='M11 7h2v7h-2zm0 9h2v2h-2z'/%3E%3C/svg%3E") center /14px no-repeat}.ip-form-error{font-family:var(--font-sans);font-size:.9rem;color:#a3372c;margin:0}.ip-form-success{display:flex;flex-direction:column;align-items:flex-start;padding:2rem 2.25rem;background:var(--bg-card);border:1px solid var(--line-dark);border-radius:14px;animation:ip-form-success-in .45s var(--ease-soft) both}.ip-form-success-check{display:inline-flex;align-items:center;justify-content:center;width:48px;height:48px;margin-bottom:1.1rem;border-radius:50%;color:#fff;background:var(--accent)}.ip-form-success-title{font-family:var(--font-serif-display);font-size:1.5rem;line-height:1.2;color:var(--ink)}.ip-form-success p{margin:.5rem 0 0;max-width:34rem;color:var(--ink-soft,var(--ink))}@keyframes ip-form-success-in{0%{opacity:0;transform:translateY(8px)}to{opacity:1;transform:translateY(0)}}@media (prefers-reduced-motion:reduce){.ip-form-success{animation:none}}.ip-detail-list{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:2.25rem 2.5rem}.ip-detail-label{font-family:var(--font-sans);font-size:13px;font-weight:600;letter-spacing:0;text-transform:none;color:var(--accent);margin-bottom:.35rem}.ip-detail-value{font-size:1.1rem;color:var(--ink)}.ip-detail-value a{color:var(--ink);border-bottom:1px solid var(--line-dark)}.ip-detail-value a:hover{color:var(--accent);border-bottom-color:var(--accent)}.ip-team{display:grid;grid-template-columns:repeat(var(--cols,4),1fr);gap:clamp(24px,3vw,40px)}.ip-team-card{display:flex;flex-direction:column}.ip-team-photo{position:relative;aspect-ratio:4/5;border-radius:20px;overflow:hidden;background:var(--cream);margin-bottom:1.2rem}.ip-team-photo img{object-fit:cover;object-position:center 20%}.ip-team-monogram{display:flex;align-items:center;justify-content:center;width:100%;height:100%;font-family:var(--font-sans);font-size:2.6rem;font-style:italic;color:#fff;background:linear-gradient(150deg,var(--accent-bright),var(--accent-ink))}.ip-team-name{margin:0;font-family:var(--font-sans);font-size:1.3rem;font-weight:400;color:var(--ink)}.ip-team-role{margin:.3rem 0 0;font-size:.82rem;color:var(--ink-muted)}.ip-team-creds{margin:.5rem 0 0;font-family:var(--font-sans);font-size:13px;font-weight:500;letter-spacing:0;text-transform:none;color:var(--accent)}.ip-team-bio{margin:.9rem 0 0;font-size:.92rem;font-weight:400;line-height:1.6;color:var(--ink-light)}.tm-layout{display:grid;grid-template-columns:minmax(0,.82fr) 1.3fr;gap:clamp(36px,5vw,88px);align-items:start}.tm-layout-head{position:sticky;top:calc(var(--nav-height) + 36px)}.tm-layout-head .ip-head{margin-bottom:0}.tm-grid{display:grid;grid-template-columns:repeat(var(--cols,5),1fr);gap:clamp(20px,2.4vw,36px) clamp(20px,2.2vw,32px)}.tm-card,.tm-card-hit{display:flex;flex-direction:column}.tm-card-hit{color:inherit;text-decoration:none;cursor:pointer}.tm-card-hit--static{cursor:default}.tm-photo{position:relative;display:block;aspect-ratio:4/5;border-radius:22px;overflow:hidden;background:var(--cream);margin-bottom:20px}.tm-photo img{object-fit:cover;object-position:center 18%;transition:transform .6s cubic-bezier(.22,1,.36,1)}.tm-go{position:static;top:12px;right:12px;display:inline-flex;align-items:center;justify-content:center;width:34px;height:34px;border-radius:50%;border:1px solid var(--line-dark);background:transparent;-webkit-backdrop-filter:none;backdrop-filter:none;transition:background .3s ease,transform .3s cubic-bezier(.22,1,.36,1);flex-shrink:0}.tm-go,.tm-name{color:var(--ink)}.tm-name{font-family:var(--font-sans);font-size:1.5rem;font-weight:500;line-height:1.15;transition:color .3s ease;letter-spacing:-.025em}.tm-meta{margin-top:.34rem;display:flex;align-items:flex-start;justify-content:space-between;gap:12px}.tm-role{font-size:14px;line-height:1.5}.tm-li,.tm-role{color:var(--ink-muted)}.tm-li{flex:0 0 auto;display:inline-flex;margin-top:1px;transition:color .25s ease;min-width:32px;min-height:32px;justify-content:flex-end}.tm-li:hover{color:#0a66c2}.tm-li:focus-visible{outline:2px solid var(--accent);outline-offset:3px;border-radius:3px}@media (hover:hover){.tm-card-hit:hover .tm-photo img{transform:scale(1.02)}.tm-card-hit:hover .tm-go{background:var(--accent-light);border-color:transparent;transform:translateX(3px)}.tm-card-hit:hover 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