.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}.ds-nav.ds-nav--over-dark{background:transparent;border-bottom-color:transparent}.ds-nav--over-dark .ds-nav-wordmark{color:#fff}.ds-nav--over-dark .ds-nav-links>li.ds-nav-item>.ds-nav-trigger{color:hsla(0,0%,100%,.82)}.ds-nav--over-dark .ds-nav-links>li.ds-nav-item>.ds-nav-trigger:hover{color:#fff}.ds-nav--over-dark .ds-nav-actions .btn-cta-ghost{color:hsla(0,0%,100%,.82)}.ds-nav--over-dark .ds-nav-actions .btn-cta-ghost:hover{background:hsla(0,0%,100%,.12);color:#fff}.ds-nav--over-dark .ds-nav-actions .btn-cta{background:hsla(0,0%,100%,.14);border-color:hsla(0,0%,100%,.3);color:#fff;-webkit-backdrop-filter:blur(10px);backdrop-filter:blur(10px)}.ds-nav--over-dark .ds-nav-actions .btn-cta:hover{background:hsla(0,0%,100%,.24);border-color:hsla(0,0%,100%,.45)}.ds-nav--over-dark .ds-nav-burger{border-color:hsla(0,0%,100%,.34)}.ds-nav--over-dark .ds-nav-burger span{background:#fff}.ds-nav.ds-nav--over-dark.ds-nav--menu-open{background:#fff;border-bottom-color:transparent}.ds-nav--over-dark.ds-nav--menu-open .ds-nav-wordmark{color:var(--ink)}.ds-nav--over-dark.ds-nav--menu-open .ds-nav-links>li.ds-nav-item>.ds-nav-trigger{color:#000}.ds-nav--over-dark.ds-nav--menu-open .ds-nav-actions .btn-cta-ghost{color:var(--ink-light)}.ds-nav--over-dark.ds-nav--menu-open .ds-nav-actions .btn-cta{background:var(--accent-ink);border-color:var(--accent-ink);-webkit-backdrop-filter:none;backdrop-filter:none}.ip-kicker{display:inline-flex;align-items:center;gap:12px;font-family:var(--font-mono);font-size:11px;font-weight:500;letter-spacing:.16em;text-transform:uppercase;color:var(--ink-muted)}.ip-kicker-index{color:var(--accent)}.ip-kicker-rule{width:28px;height:1px;background:var(--line-dark)}.ip-kicker--light{color:rgba(233,239,235,.62)}.ip-kicker--light .ip-kicker-index{color:#a9c7b6}.ip-kicker--light .ip-kicker-rule{background:rgba(233,239,235,.28)}.ip-hero{position:relative;background:var(--hero-canvas);padding-top:calc(var(--nav-height) + var(--safe-top) + clamp(40px, 6vw, 80px));padding-bottom:clamp(56px,8vw,104px);overflow:hidden}.ip-hero-inner{position:relative;z-index:2;width:min(1180px,calc(100% - 48px));margin:0 auto}.ip-hero-eyebrow{margin-bottom:clamp(18px,2vw,24px)}.ip-hero-eyebrow .ip-kicker-rule{display:none}.ip-hero-title{margin:0;font-family:var(--font-display),Georgia,serif;font-size:clamp(2.4rem,4.6vw,3.9rem);font-weight:400;line-height:1.06;letter-spacing:-.02em;color:var(--ink);-webkit-text-stroke:.8px var(--hero-canvas)}.ip-hero-lead{margin:clamp(16px,1.8vw,22px) 0 0;font-size:clamp(.9rem,1vw,1rem);font-weight:300;line-height:1.6;color:var(--ink-light)}.ip-hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:clamp(28px,3vw,40px)}.ip-hero--split{display:grid;grid-template-columns:1fr 1fr;align-items:stretch;min-height:100svh;padding:calc(var(--nav-height) + var(--safe-top)) 0 0}.ip-hero-content{display:flex;flex-direction:column;justify-content:center;box-sizing:border-box;padding:clamp(40px,6vh,80px) clamp(40px,4vw,80px) clamp(40px,6vh,80px) calc(max(24px, (100vw - 1560px) / 2) + clamp(20px, 3vw, 72px))}.ip-hero--split .ip-hero-copy{max-width:660px}.ip-hero--split .ip-hero-eyebrow{font-family:var(--font-sans);font-size:15px;font-weight:500;letter-spacing:-.005em;text-transform:none;color:var(--ink-muted);margin-bottom:clamp(22px,2.4vw,30px)}.ip-hero--split .ip-hero-title{max-width:none;font-size:clamp(2rem,3.3vw,3rem);line-height:1.12;letter-spacing:-.005em;-webkit-text-stroke:.4px var(--hero-canvas)}.ip-hero--split .ip-hero-lead{max-width:42ch;margin:clamp(12px,1.5vw,18px) 0 0;font-size:clamp(.9375rem,1.1vw,1.0625rem);line-height:1.6;letter-spacing:-.005em;color:rgba(11,18,32,.62)}.ip-hero--split .ip-hero-actions{margin-top:clamp(32px,3.5vw,44px);gap:16px}.ip-hero--split .ip-hero-actions .ip-btn{min-height:44px;font-size:14px;padding:0 22px}.ip-hero--split .ip-hero-media{position:relative;overflow:hidden;min-height:clamp(360px,50vh,760px);margin:clamp(28px,5vh,64px) max(24px,calc((100vw - 1560px) / 2)) clamp(28px,5vh,64px) clamp(16px,2.5vw,48px);border-radius:6px;background:var(--cream)}.ip-hero--split .ip-hero-media img{object-fit:cover;object-position:center 22%}.ip-hero--split[data-side=left] .ip-hero-content{order:2;padding-left:clamp(40px,4vw,80px);padding-right:calc(max(24px, (100vw - 1560px) / 2) + clamp(20px, 3vw, 72px))}.ip-hero--split[data-side=left] .ip-hero-media{order:1;margin-left:max(24px,calc((100vw - 1560px) / 2));margin-right:clamp(16px,2.5vw,48px)}.ip-hero--centered{text-align:center}.ip-hero--centered .ip-hero-inner{max-width:900px}.ip-hero--centered .ip-hero-eyebrow{justify-content:center}.ip-hero--centered .ip-hero-title{margin-inline:auto;max-width:16ch;font-size:clamp(2.6rem,5.4vw,4.4rem)}.ip-hero--centered .ip-hero-lead{margin-inline:auto;max-width:56ch}.ip-hero--centered .ip-hero-actions{justify-content:center}.ip-hero--background{position:relative;display:flex;align-items:center;min-height:100svh;padding:calc(var(--nav-height) + var(--safe-top)) 0 clamp(40px,6vh,72px);background:var(--bg-terminal);text-align:center;isolation:isolate;overflow:hidden}.ip-hero--background .ip-hero-bg{object-fit:cover;z-index:0;filter:brightness(.6) saturate(.9)}.ip-hero--background .ip-hero-scrim{position:absolute;inset:0;z-index:1;background:radial-gradient(64% 58% at 50% 46%,rgba(8,14,11,.55),rgba(8,14,11,.2) 68%,rgba(8,14,11,.02) 100%),linear-gradient(180deg,rgba(8,14,11,.44),rgba(8,14,11,.32) 45%,rgba(8,14,11,.54))}.ip-hero--background .ip-hero-inner{position:relative;z-index:2;width:min(1320px,calc(100% - 96px))}.ip-hero--background .ip-hero-eyebrow{justify-content:center;color:rgba(233,239,235,.72)}.ip-hero--background .ip-hero-eyebrow .ip-kicker-index{color:#a9c7b6}.ip-hero--background .ip-hero-title{margin-inline:auto;max-width:24ch;color:#fff;-webkit-text-stroke:0;font-size:clamp(2.8rem,6vw,5.4rem);line-height:1.04;text-shadow:0 2px 34px rgba(8,14,11,.4)}.ip-hero--background .ip-hero-lead{margin-inline:auto;max-width:62ch;font-size:clamp(1rem,1.2vw,1.15rem);color:hsla(0,0%,100%,.92);text-shadow:0 1px 18px rgba(8,14,11,.55)}.ip-hero--background .ip-hero-actions{justify-content:center}.ip-hero--simple .ip-hero-title{max-width:18ch}.ip-hero--simple .ip-hero-lead{max-width:54ch}.ip-hero--compact{padding-bottom:clamp(40px,5vw,64px)}.ip-hero--compact .ip-hero-title{font-size:clamp(2.2rem,4vw,3.1rem)}@media (max-width:900px){.ip-hero--split{grid-template-columns:1fr;min-height:0;padding:0}.ip-hero--split .ip-hero-content,.ip-hero--split[data-side=left] .ip-hero-content{order:1;padding:calc(var(--nav-height) + var(--safe-top) + clamp(32px, 8vw, 56px)) clamp(24px,6vw,40px) clamp(28px,7vw,40px)}.ip-hero--split .ip-hero-media,.ip-hero--split[data-side=left] .ip-hero-media{order:2;min-height:clamp(320px,64vw,520px);margin:0 clamp(24px,6vw,40px) clamp(40px,9vw,56px)}.ip-hero--split .ip-hero-copy{max-width:none}}.ip-btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:50px;padding:0 28px;border-radius:980px;font-family:var(--font-sans);font-size:15px;font-weight:500;letter-spacing:-.01em;border:1px solid transparent;transition:background .3s var(--ease-soft),border-color .3s var(--ease-soft),transform .3s var(--ease-soft),color .3s 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:hsla(0,0%,100%,.08);color:#fff;border-color:hsla(0,0%,100%,.24);-webkit-backdrop-filter:blur(12px);backdrop-filter:blur(12px)}.ip-btn--glass:hover{background:hsla(0,0%,100%,.16);border-color:hsla(0,0%,100%,.4)}.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(64px,9vw,120px) 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(1120px,calc(100% - 48px));margin:0 auto}.ip-wrap--narrow{width:min(760px,calc(100% - 48px))}.ip-head{max-width:760px}.ip-head--center{max-width:720px;margin-left:auto;margin-right:auto;text-align:center}.ip-head--center .ip-kicker{justify-content:center}.ip-head-eyebrow{margin-bottom:clamp(16px,2vw,22px)}.ip-title{margin:0;font-family:var(--font-display),Georgia,serif;font-size:clamp(2rem,3.6vw,3.1rem);font-weight:400;line-height:1.08;letter-spacing:-.015em;color:var(--ink)}.ip-intro{max-width:60ch;margin:clamp(18px,2vw,26px) 0 0;font-size:1.05rem;font-weight:300;line-height:1.66;color:var(--ink-light)}.ip-head--center .ip-intro{margin-left:auto;margin-right:auto}.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:auto}.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-display),Georgia,serif;font-size:clamp(1.9rem,3.2vw,2.9rem);font-weight:400;line-height:1.12;letter-spacing:-.015em;color:var(--ink)}.ip-statement-body{padding-top:clamp(2px,.8vw,10px)}.ip-statement-p{margin:0;font-size:1.02rem;font-weight:300;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:300;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(28px,4vw,52px);padding-top:clamp(28px,3.5vw,44px);border-top:1px solid var(--line-dark)}.ip-stat-value{font-family:var(--font-display),Georgia,serif;font-size:clamp(2.4rem,4.4vw,3.7rem);font-weight:400;line-height:1;letter-spacing:-.03em;font-variant-numeric:tabular-nums;color:var(--ink)}.ip-stat-label{max-width:26ch;margin-top:14px;font-size:13.5px;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-mono);font-size:10.5px;font-weight:500;letter-spacing:.1em;text-transform:uppercase;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-mono);font-size:12px;font-weight:500;letter-spacing:.08em;color:var(--accent);flex-shrink:0}.ip-feature-title{margin:0;font-family:var(--font-display),Georgia,serif;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:300;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(18px,2vw,24px)}.ip-card{display:flex;flex-direction:column;padding:clamp(28px,2.6vw,38px);background:var(--bg-card);border:1px solid var(--line);border-radius:10px;transition:transform .4s var(--ease-soft),box-shadow .4s var(--ease-soft),border-color .4s var(--ease-soft)}.ip-card,.ip-card-media{position:relative;overflow:hidden}.ip-card-media{margin:calc(-1 * clamp(28px, 2.6vw, 38px)) calc(-1 * clamp(28px, 2.6vw, 38px)) clamp(20px,2vw,26px);aspect-ratio:4/3;background:var(--cream)}.ip-card-media img{object-fit:cover}.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)}a.ip-card:hover{transform:translateY(-4px);box-shadow:0 24px 60px rgba(12,19,16,.08);border-color:transparent}a.ip-card:hover:after{transform:scaleX(1)}.ip-card-index{font-family:var(--font-display),Georgia,serif;font-size:2.2rem;line-height:1;color:var(--line-dark);margin-bottom:1.4rem;transition:color .4s var(--ease-soft)}.ip-card-eyebrow,a.ip-card:hover .ip-card-index{color:var(--accent)}.ip-card-eyebrow{font-family:var(--font-mono);font-size:10.5px;font-weight:500;letter-spacing:.14em;text-transform:uppercase;margin-bottom:.9rem}.ip-card-title{margin:0 0 .7rem;font-family:var(--font-display),Georgia,serif;font-size:1.45rem;font-weight:400;line-height:1.18;color:var(--ink)}.ip-card-body{margin:0;font-size:.95rem;font-weight:300;line-height:1.62;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:300;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 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(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{align-items:center}#fee-included .ip-statement-title{font-size:clamp(2.4rem,4.2vw,3.5rem);line-height:1.08}.fee-carousel{position:relative;height:clamp(360px,48vh,500px);overflow:hidden;-webkit-mask-image:linear-gradient(180deg,transparent 0,#000 50%,transparent);mask-image:linear-gradient(180deg,transparent 0,#000 50%,transparent)}.fee-carousel-track{margin:0;padding:0;list-style:none;animation:fee-carousel-scroll 24s linear infinite}.fee-carousel-track li{padding:clamp(16px,1.7vw,22px) 0;font-family:var(--font-sans);font-size:clamp(1.4rem,2.1vw,1.9rem);font-weight:400;letter-spacing:-.01em;line-height:1.2;color:var(--ink)}@keyframes fee-carousel-scroll{0%{transform:translateY(0)}to{transform:translateY(-50%)}}@media (prefers-reduced-motion:reduce){.fee-carousel-track{animation:none}.fee-carousel{-webkit-mask-image:none;mask-image: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:10px;box-shadow:0 8px 28px rgba(26,26,24,.14);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:300;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-pillars{display:grid;grid-template-columns:repeat(var(--cols,3),1fr);gap:clamp(28px,3.5vw,56px)}.ip-pillar{padding-top:26px;border-top:2px solid var(--accent)}.ip-pillar-title{margin:0 0 .9rem;font-family:var(--font-display),Georgia,serif;font-size:1.4rem;font-weight:400;line-height:1.2;color:var(--ink)}.ip-pillar-body{margin:0;font-size:.98rem;font-weight:300;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}.ip-step-num{font-size:2rem;line-height:1;color:var(--accent);margin-bottom:1rem}.ip-step-num,.ip-step-title{font-family:var(--font-display),Georgia,serif}.ip-step-title{margin:0 0 .6rem;font-size:1.3rem;font-weight:400;color:var(--ink)}.ip-step-body{margin:0;font-size:.96rem;font-weight:300;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:10px;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-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-display),Georgia,serif;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-mono);font-size:12px;font-weight:500;letter-spacing:.1em;text-transform:uppercase;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}.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-mono);font-size:11px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;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-display),Georgia,serif;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-mono);font-size:11px;font-weight:600;letter-spacing:.16em;text-transform:uppercase;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}.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) 0;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:22px;height:22px}.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 0 1.5rem;max-width:68ch;font-size:1rem;font-weight:300;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-sources{margin-top:clamp(28px,3.5vw,44px);padding-top:clamp(18px,2vw,24px);border-top:1px solid 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var(--accent);background:var(--accent-light);border-radius:0 8px 8px 0;padding:1.1rem 1.4rem;font-size:.92rem;line-height:1.6;color:var(--accent-ink)}.ip-note strong{font-weight:600}.ip-cta{position:relative;padding:clamp(44px,5.5vw,76px) 0;background:var(--accent-light);color:var(--ink);text-align:center;overflow:hidden;border-bottom:none}.ip-cta-inner{position:relative;z-index:1}.ip-cta-title{margin:0 auto;max-width:none;font-family:var(--font-display),Georgia,serif;font-size:clamp(1.7rem,2.6vw,2.4rem);font-weight:400;line-height:1.12;letter-spacing:-.015em;color:var(--ink)}.ip-cta-sub{max-width:54ch;margin:clamp(12px,1.4vw,18px) auto 0;font-size:clamp(.95rem,1.05vw,1.02rem);font-weight:300;line-height:1.55;color:var(--ink-light)}.ip-cta-actions{display:flex;flex-wrap:wrap;justify-content:center;gap:14px;margin-top:clamp(22px,2.4vw,30px)}.ip-cta-note{margin-top:clamp(22px,2.8vw,34px);font-family:var(--font-mono);font-size:11px;font-weight:500;letter-spacing:.2em;text-transform:uppercase;color:var(--ink-muted)}.ip-prose{max-width:760px}.ip-prose>*+*{margin-top:1.1rem}.ip-prose h2{margin-top:clamp(2.4rem,4vw,3.2rem);font-family:var(--font-display),Georgia,serif;font-size:clamp(1.5rem,2.4vw,1.95rem);font-weight:400;line-height:1.2;letter-spacing:-.01em;color:var(--ink)}.ip-prose h3{margin-top:2rem;font-family:var(--font-sans);font-size:1.05rem;font-weight:600;color:var(--ink)}.ip-prose li,.ip-prose p{font-size:1rem;font-weight:300;line-height:1.72;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 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2.5rem}.ip-detail-label{font-family:var(--font-mono);font-size:10.5px;font-weight:600;letter-spacing:.14em;text-transform:uppercase;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:10px;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-size:2.6rem;font-style:italic;color:#fff;background:linear-gradient(150deg,var(--accent-bright),var(--accent-ink))}.ip-team-monogram,.ip-team-name{font-family:var(--font-display),Georgia,serif}.ip-team-name{margin:0;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-mono);font-size:10.5px;font-weight:500;letter-spacing:.1em;text-transform:uppercase;color:var(--accent)}.ip-team-bio{margin:.9rem 0 0;font-size:.92rem;font-weight:300;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{appearance:none;margin:0;padding:0;border:none;background:none;font:inherit;color:inherit;text-align:left;cursor:pointer}.tm-photo{position:relative;display:block;aspect-ratio:4/5;border-radius:12px;overflow:hidden;background:var(--cream);margin-bottom:1.05rem}.tm-photo img{object-fit:cover;object-position:center 18%;transition:transform .6s cubic-bezier(.22,1,.36,1)}.tm-plus{position:absolute;top:12px;right:12px;display:inline-flex;align-items:center;justify-content:center;width:38px;height:38px;border-radius:999px;background:rgba(16,21,19,.62);color:#fff;-webkit-backdrop-filter:blur(4px);backdrop-filter:blur(4px);transition:background .3s ease,transform .3s cubic-bezier(.22,1,.36,1)}.tm-name{font-family:var(--font-display),Georgia,serif;font-size:1.28rem;font-weight:400;line-height:1.15;color:var(--ink);transition:color .3s ease}.tm-meta{margin-top:.34rem;display:flex;align-items:flex-start;justify-content:space-between;gap:12px}.tm-role{font-size:.82rem}.tm-li,.tm-role{color:var(--ink-muted)}.tm-li{flex:0 0 auto;display:inline-flex;margin-top:1px;transition:color .25s ease}.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(1.04)}.tm-card-hit:hover .tm-plus{background:var(--ink);transform:rotate(90deg)}.tm-card-hit:hover .tm-name{color:var(--accent)}}.tm-card-hit:focus-visible{outline:none}.tm-card-hit:focus-visible .tm-photo{outline:2px solid var(--accent);outline-offset:3px}.tm-card-hit:focus-visible 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