:root{--navy:#0f1f3d;--navy-light:#1c2f5a;--navy-soft:#2d3e63;--text-primary:#1e293b;--text-secondary:#64748b;--text-light:#94a3b8;--border:#e2e8f0;--border-light:#f1f5f9;--bg-soft:#f8fafc;--bg-white:#fff;--accent-orange:#e8872a;--accent-orange-light:#fff4e8;--success:#10b981;--warning:#f59e0b;--font-sans:-apple-system, BlinkMacSystemFont, "Segoe UI", "Roboto", sans-serif;--font-mono:"SF Mono", "Monaco", "Courier New", monospace;--section-gap:80px;--container-max:1120px;--container-narrow:780px;--shadow-sm:0 1px 2px #0f1f3d0d;--shadow-md:0 4px 12px #0f1f3d14;--shadow-lg:0 8px 24px #0f1f3d1f}*{box-sizing:border-box;margin:0;padding:0}body{font-family:var(--font-sans);color:var(--text-primary);-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;line-height:1.6}.hub-page{background:var(--bg-white);min-height:100vh}.container{width:min(var(--container-max), 92%);margin:0 auto}.content-narrow{max-width:var(--container-narrow)}.hub-hero{background:linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);color:#fff;text-align:center;padding:64px 0 56px;position:relative;overflow:hidden}.hub-hero:before{content:"";pointer-events:none;background:radial-gradient(circle at 30%,#e8872a14,#0000 60%);position:absolute;inset:0}.hub-hero .container{z-index:1;position:relative}.hero-badge{-webkit-backdrop-filter:blur(10px);backdrop-filter:blur(10px);background:#ffffff26;border:1px solid #fff3;border-radius:20px;margin-bottom:18px;padding:6px 14px;font-size:13px;font-weight:600;display:inline-block}.hub-hero h1{letter-spacing:-.03em;margin-bottom:16px;font-size:clamp(32px,5vw,48px);font-weight:800;line-height:1.15}.hero-subtitle{color:#dbe4f5;max-width:680px;margin:0 auto 16px;font-size:17px;font-weight:400;line-height:1.65}.hero-meta{color:#ffffffb3;margin-top:12px;font-size:14px}.hub-stats{border-bottom:1px solid var(--border);background:var(--bg-white);padding:28px 0}.stats-grid{grid-template-columns:repeat(3,1fr);gap:32px;display:grid}.stat-item{text-align:center}.stat-item strong{color:var(--navy);letter-spacing:-.02em;margin-bottom:4px;font-size:28px;font-weight:800;display:block}.stat-item span{color:var(--text-secondary);margin-bottom:4px;font-size:14px;font-weight:500;display:block}.stat-note{color:var(--text-light);margin-top:2px;font-size:12px}.state-section,.value-section,.breakdown-section,.content-section,.cta-section,.faq-section{padding:var(--section-gap) 0}.section-title{color:var(--navy);letter-spacing:-.02em;margin-bottom:12px;font-size:clamp(24px,3vw,32px);font-weight:800;line-height:1.2}.section-title .emoji{margin-right:8px}.section-subtitle{color:var(--text-secondary);max-width:640px;margin-bottom:32px;font-size:16px}.content-subtitle{color:var(--navy);margin:40px 0 20px;font-size:20px;font-weight:700}.state-grid{grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:20px;margin-top:32px;display:grid}.state-card{border:1.5px solid var(--border);background:var(--bg-white);border-radius:12px;flex-direction:column;gap:12px;padding:20px;text-decoration:none;transition:all .25s cubic-bezier(.4,0,.2,1);display:flex}.state-card:hover{border-color:var(--accent-orange);box-shadow:var(--shadow-lg);transform:translateY(-3px)}.state-card h3{color:var(--navy);margin-bottom:8px;font-size:18px;font-weight:700}.state-stats{flex-direction:column;gap:6px;display:flex}.stat-row{justify-content:space-between;align-items:center;font-size:14px;display:flex}.stat-label{color:var(--text-secondary);font-weight:500}.stat-value{color:var(--navy);font-weight:700}.card-cta{color:var(--accent-orange);border-top:1px solid var(--border-light);margin-top:auto;padding-top:8px;font-size:14px;font-weight:600}.value-section{background:var(--bg-soft);border-top:1px solid var(--border);border-bottom:1px solid var(--border)}.value-grid{grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:24px;margin-top:32px;display:grid}.value-card{border:1.5px solid var(--border);background:var(--bg-white);border-radius:12px;padding:28px;transition:all .2s}.value-card:hover{box-shadow:var(--shadow-md)}.value-icon{margin-bottom:12px;font-size:36px}.value-card h3{color:var(--navy);margin-bottom:12px;font-size:18px;font-weight:700;line-height:1.3}.value-card p{color:var(--text-secondary);margin-bottom:16px;font-size:15px;line-height:1.65}.value-stat{color:var(--text-secondary);background:var(--bg-soft);border:1px solid var(--border);border-radius:6px;padding:6px 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var(--border);border-radius:8px;padding:20px 28px;font-size:13px;line-height:1.7}.disclaimer strong{color:var(--text-secondary);font-weight:600}@media (max-width:900px){:root{--section-gap:56px}.hub-hero{padding:48px 0 40px}.stats-grid{grid-template-columns:1fr;gap:20px}.stat-item{border-bottom:1px solid var(--border-light);padding:16px 0}.stat-item:last-child{border-bottom:none}.value-grid{grid-template-columns:1fr}.breakdown-grid{grid-template-columns:repeat(2,1fr);gap:16px}.break-item{padding:20px 16px}.trust-grid,.steps-grid,.hidden-costs-grid,.state-grid{grid-template-columns:1fr}}@media (max-width:640px){.breakdown-grid{grid-template-columns:1fr}.hub-hero h1{font-size:28px}.hero-subtitle{font-size:15px}.section-title{font-size:24px}.step-item{text-align:center;flex-direction:column}.step-number{margin:0 auto 12px}.trust-section{padding:28px 20px}.content-card{padding:20px}.cta-content h2{font-size:26px}}@media (prefers-reduced-motion:reduce){*,:before,:after{transition-duration:.01ms!important;animation-duration:.01ms!important;animation-iteration-count:1!important}}a:focus-visible,button:focus-visible{outline:2px solid var(--accent-orange);outline-offset:2px}@media print{.hub-hero,.cta-section,.hub-stats{color:#000;background:#fff}.state-card,.value-card,.faq-item{break-inside:avoid}}