.hta{--hta-navy:#0a2540;--hta-gold:#c9a14b;--hta-gold-2:#b08a35;--hta-tint:#f7f5ef;--hta-text:#1a1f2e;--hta-muted:#4a5468;--hta-line:#e8e5dc;color:var(--hta-text);background:#fff}.hta-breadcrumb{text-align:center;border-bottom:1px solid var(--hta-line);background:#fff;padding:22px 24px;font-size:14px}.hta-breadcrumb a{color:var(--hta-gold);font-weight:600;text-decoration:none}.hta-breadcrumb a:hover{text-decoration:underline}.hta-breadcrumb span{color:var(--hta-muted);margin:0 8px}.hta-breadcrumb [aria-current=page]{color:var(--hta-navy);font-weight:600}.hta-hero{background:radial-gradient(circle at 20% 0%, #c9a14b1f, transparent 50%), var(--navy-blue,#0d1b2a);color:#fff;text-align:center;padding:80px 24px 96px;position:relative}.hta-hero:before{content:"";background:linear-gradient(90deg, transparent 0%, var(--hta-gold) 30%, var(--hta-gold) 70%, transparent 100%);height:4px;position:absolute;top:0;left:0;right:0}.hta-hero-inner{max-width:760px;margin:0 auto}.hta-eyebrow{letter-spacing:2px;text-transform:uppercase;color:var(--hta-gold);margin:0 0 16px;font-size:13px;font-weight:700}.hta-hero h1{color:#fff;margin:0 0 20px;font-size:clamp(32px,5vw,52px);line-height:1.15}.hta-intro{color:#ffffffd9;max-width:620px;margin:0 auto 32px;font-size:clamp(16px,2vw,19px);line-height:1.6}.hta-hero-ctas{flex-wrap:wrap;justify-content:center;gap:14px;margin-bottom:28px;display:flex}.hta-cta-primary{background:var(--hta-gold);color:var(--hta-navy);border:none;border-radius:4px;padding:14px 32px;font-size:16px;font-weight:700;text-decoration:none;transition:transform .18s,background .18s;display:inline-block}.hta-cta-primary:hover{background:var(--hta-gold-2);transform:translateY(-2px)}.hta-cta-secondary{color:#fff;background:#ffffff14;border:1.5px solid #fff6;border-radius:4px;align-items:center;gap:8px;padding:12.5px 28px;font-size:16px;font-weight:600;text-decoration:none;transition:background .18s,transform .18s;display:inline-flex}.hta-cta-secondary:hover{background:#ffffff26;transform:translateY(-2px)}.hta-trust{color:#ffffffbf;flex-wrap:wrap;justify-content:center;gap:24px;margin:0;padding:0;font-size:14px;list-style:none;display:flex}.hta-trust li{align-items:center;gap:6px;display:flex}.hta-trust span{color:var(--hta-gold);font-weight:700}.hta-steps{background:#fff;justify-content:center;padding:80px 24px;display:flex}.hta-step-list{width:100%;max-width:820px;margin:0;padding:0;list-style:none;position:relative}.hta-step-list:before{content:"";background:linear-gradient(180deg, var(--hta-gold) 0%, var(--hta-gold-2) 100%);z-index:0;border-radius:2px;width:3px;position:absolute;top:32px;bottom:32px;left:32px}.hta-step{margin-bottom:48px;padding-left:96px;position:relative}.hta-step:last-child{margin-bottom:0}.hta-step-num{background:linear-gradient(135deg, var(--hta-gold) 0%, var(--hta-gold-2) 100%);width:64px;height:64px;color:var(--hta-navy);z-index:1;border-radius:50%;justify-content:center;align-items:center;font-size:28px;font-weight:800;display:flex;position:absolute;top:0;left:0;box-shadow:0 6px 16px #c9a14b66}.hta-step-card{border:1px solid var(--hta-line);text-align:left;background:#fff;border-radius:10px;padding:28px 30px 24px;box-shadow:0 4px 20px #0a25400f}.hta-step-eyebrow{letter-spacing:1.5px;text-transform:uppercase;color:var(--hta-gold);margin:0 0 8px;font-size:12px;font-weight:700}.hta-step-card h2{color:var(--hta-navy);margin:0 0 8px;font-size:26px;line-height:1.2}.hta-step-when{color:var(--hta-muted);align-items:center;gap:7px;margin:0 0 16px;font-size:14px;font-weight:600;display:flex}.hta-icon-clock{width:16px;height:16px;color:var(--hta-gold);flex-shrink:0}.hta-step-intro{color:var(--hta-text);margin:0 0 22px;font-size:16px;line-height:1.65}.hta-step-grid{border-top:1px solid var(--hta-line);grid-template-columns:1fr 1fr;gap:24px;padding-top:18px;display:grid}.hta-step-col h3{letter-spacing:.5px;text-transform:uppercase;color:var(--hta-navy);align-items:center;gap:10px;margin:0 0 14px;font-size:14px;display:flex}.hta-icon{width:22px;height:22px;color:var(--hta-gold);stroke-width:2px;flex-shrink:0}.hta-step-col ul{margin:0;padding:0;list-style:none}.hta-step-col li{color:var(--hta-text);margin-bottom:10px;padding-left:22px;font-size:15px;line-height:1.5;position:relative}.hta-step-col li:before{content:"✓";color:var(--hta-gold);font-weight:700;position:absolute;left:0}.hta-section{flex-direction:column;align-items:center;padding:80px 24px;display:flex}.hta-section-tint{background:var(--hta-tint)}.hta-section h2{color:var(--hta-navy);text-align:center;margin:0 0 32px;font-size:clamp(26px,3.5vw,36px)}.hta-faq-list{width:100%;max-width:760px}.hta-faq-item{border:1px solid var(--hta-line);background:#fff;border-radius:8px;margin-bottom:14px;padding:0;transition:box-shadow .18s}.hta-faq-item[open]{box-shadow:0 4px 16px #0a254014}.hta-faq-q{cursor:pointer;color:var(--hta-navy);padding:18px 48px 18px 22px;font-size:16px;font-weight:600;list-style:none;position:relative}.hta-faq-q::-webkit-details-marker{display:none}.hta-faq-q:after{content:"+";color:var(--hta-gold);font-size:24px;font-weight:400;transition:transform .18s;position:absolute;top:50%;right:22px;transform:translateY(-50%)}.hta-faq-item[open] .hta-faq-q:after{content:"−";transform:translateY(-50%)rotate(0)}.hta-faq-a{color:var(--hta-text);margin:0;padding:0 22px 20px;font-size:15px;line-height:1.65}.hta-cta{background:radial-gradient(circle at 80% 30%, #c9a14b29, transparent 55%), var(--navy-blue,#0d1b2a);color:#fff;text-align:center;padding:88px 24px 80px;position:relative}.hta-cta:before{content:"";background:linear-gradient(90deg, transparent 0%, var(--hta-gold) 30%, var(--hta-gold) 70%, transparent 100%);height:4px;position:absolute;top:0;left:0;right:0}.hta-cta-inner{max-width:680px;margin:0 auto}.hta-cta-eyebrow{letter-spacing:2px;text-transform:uppercase;color:var(--hta-gold);margin:0 0 16px;font-size:13px;font-weight:700}.hta-cta h2{color:#fff;margin:0 0 18px;font-size:clamp(28px,4vw,42px);line-height:1.2}.hta-cta-sub{color:#ffffffd1;max-width:560px;margin:0 auto 24px;font-size:17px;line-height:1.6}.hta-cta-trust{color:#ffffffc7;flex-wrap:wrap;justify-content:center;gap:22px;margin:0 0 32px;padding:0;font-size:14px;list-style:none;display:flex}.hta-cta-trust li{align-items:center;gap:6px;display:flex}.hta-cta-trust span{color:var(--hta-gold);font-weight:700}.hta-cta-btns{flex-wrap:wrap;justify-content:center;gap:14px;margin-bottom:18px;display:flex}.hta-cta-microcopy{color:#fff9;margin:0;font-size:13px}@media (max-width:720px){.hta-hero{padding:56px 20px 64px}.hta-hero h1{font-size:32px}.hta-hero-ctas{flex-direction:column;align-items:stretch}.hta-hero-ctas a{box-sizing:border-box;width:100%}.hta-steps{padding:56px 18px}.hta-step-list:before{left:22px}.hta-step{margin-bottom:36px;padding-left:64px}.hta-step-num{width:44px;height:44px;font-size:20px}.hta-step-card{padding:22px 20px 18px}.hta-step-card h2{font-size:22px}.hta-step-grid{grid-template-columns:1fr;gap:18px}.hta-step-grid .hta-step-col:first-child{border-bottom:1px solid var(--hta-line);padding-bottom:16px}.hta-section{padding:56px 18px}.hta-cta{padding:64px 20px}.hta-cta-btns{flex-direction:column;align-items:stretch}.hta-cta-btns a{box-sizing:border-box;width:100%}}