.ihc{--ink:#232838;--navy:#243b4a;--slate:#4a536b;--muted:#6b7488;--line:#dfe4ec;--paper:#ffffff;--wash:#f3f6fa;--coral:#c45a49;--coral-ink:#a8432f;--good:#2f7d5b;--warn:#a96a12;--bad:#b23b3b;
--f-display:"Poppins",system-ui,sans-serif;--f-body:"Poppins",system-ui,sans-serif;--f-num:"IBM Plex Mono",ui-monospace,Menlo,monospace;
font-family:var(--f-body);color:var(--ink);background:var(--paper);font-size:15px;line-height:1.6;
padding-left:max(16px,env(safe-area-inset-left,0px));padding-right:max(16px,env(safe-area-inset-right,0px))}
.ihc *{box-sizing:border-box}
.ihc [hidden]{display:none!important}
.ihc .grid label{justify-content:flex-end}
.ihc .wrap{max-width:1180px;margin:0 auto}
.ihc .crumbs{font-size:13px;color:var(--muted);padding-block:18px 0}
.ihc .crumbs a{color:var(--muted)}
.ihc .crumbs ol{list-style:none;display:flex;gap:6px;padding:0;margin:0;flex-wrap:wrap}
.ihc .crumbs li+li:before{content:"/";margin-right:6px}
.ihc h1{font-family:var(--f-display);font-weight:700;font-size:clamp(28px,4vw,42px);line-height:1.15;color:var(--navy);margin:14px 0 8px;text-wrap:balance;letter-spacing:-.01em}
.ihc h2{font-family:var(--f-display);font-size:clamp(22px,2.6vw,28px);color:var(--navy);line-height:1.25;margin:0 0 12px;text-wrap:balance}
.ihc h3{font-size:17px;color:var(--navy);margin:20px 0 6px}
.ihc .lede{max-width:68ch;color:var(--slate);margin:0 0 6px}
.ihc .meta{font-size:13px;color:var(--muted);margin:0 0 20px}
.ihc a{color:var(--coral-ink)}
.ihc :focus-visible{outline:3px solid var(--coral);outline-offset:2px} .ihc .bench{display:grid;grid-template-columns:minmax(0,1.25fr) minmax(0,1fr);gap:24px;align-items:start;padding-block:8px 40px}
@media (max-width:900px){.ihc .bench{grid-template-columns:minmax(0,1fr)}}
.ihc .panel{border:1px solid var(--line);border-radius:10px;background:var(--paper)}
.ihc .modes{display:grid;grid-template-columns:1fr 1fr;border-bottom:1px solid var(--line)}
.ihc .modes button{all:unset;cursor:pointer;padding:14px 16px;text-align:center;font-weight:600;color:var(--muted);border-bottom:3px solid transparent}
.ihc .modes button[aria-selected="true"]{color:var(--navy);border-bottom-color:var(--coral)}
.ihc .modes button small{display:block;font-weight:400;font-size:12px}
.ihc fieldset{border:0;margin:0;padding:18px 18px 4px;border-top:1px solid var(--line)}
.ihc fieldset:first-of-type{border-top:0}
.ihc legend{font-size:12px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--coral-ink);padding:0;margin-bottom:10px}
.ihc .grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(150px,1fr));gap:12px}
.ihc label{display:flex;flex-direction:column;gap:4px;font-size:13px;font-weight:500;color:var(--slate)}
.ihc label .hint{font-weight:400;color:var(--muted);font-size:12px}
.ihc input,.ihc select{font:inherit;font-size:15px;padding:9px 10px;border:1px solid var(--line);border-radius:6px;background:var(--wash);color:var(--ink);width:100%;min-width:0}
.ihc input[type=checkbox]{width:18px;height:18px;accent-color:var(--coral);padding:0}
.ihc .check{flex-direction:row;align-items:center;gap:8px;font-weight:500}
.ihc input[aria-invalid="true"]{border-color:var(--bad)}
.ihc .del-list{display:flex;flex-direction:column;gap:8px}
.ihc .del-row{display:grid;grid-template-columns:minmax(0,1fr) 70px 70px 32px;gap:8px;align-items:end}
.ihc .del-row .rate{grid-column:1 / -2}
.ihc .del-row .x{all:unset;cursor:pointer;text-align:center;font-size:20px;color:var(--muted);padding-bottom:8px}
.ihc .btn{font:inherit;font-weight:600;font-size:14px;cursor:pointer;border-radius:6px;padding:9px 14px;border:1px solid var(--navy);background:transparent;color:var(--navy)}
.ihc .btn.primary{background:var(--coral);border-color:var(--coral);color:#fff}
.ihc .btn.small{padding:6px 10px;font-size:13px}
.ihc .row{display:flex;gap:8px;flex-wrap:wrap;align-items:center}
.ihc .derived{font-size:13px;color:var(--muted);margin:8px 0 0} .ihc .sheet{position:sticky;top:16px;padding:20px}
@media (max-width:900px){.ihc .sheet{position:static}}
.ihc .sheet h2{font-size:15px;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);margin:0 0 6px;font-weight:600}
.ihc .band{display:grid;grid-template-columns:1fr 1.3fr 1fr;gap:8px;text-align:center;margin:8px 0 6px}
.ihc .band div{padding:10px 4px;border-radius:8px;background:var(--wash)}
.ihc .band .mid{background:var(--navy);color:var(--paper)}
.ihc .band small{display:block;font-size:11px;letter-spacing:.06em;text-transform:uppercase;opacity:.8}
.ihc .band b{font-family:var(--f-num);font-size:clamp(16px,2vw,20px);font-variant-numeric:tabular-nums}
.ihc .band .mid b{font-size:clamp(20px,2.6vw,26px)}
.ihc .bar{height:6px;border-radius:3px;background:var(--line);overflow:hidden;margin:4px 0 2px}
.ihc .bar i{display:block;height:100%;background:var(--good)}
.ihc .conf{font-size:13px;color:var(--slate);display:flex;justify-content:space-between;gap:8px}
.ihc .pill{display:inline-block;padding:1px 8px;border-radius:99px;font-size:12px;font-weight:600;border:1px solid currentColor}
.ihc .pill.Good{color:var(--good)}.ihc .pill.Fair{color:var(--warn)}.ihc .pill.Low{color:var(--bad)}
.ihc table{width:100%;border-collapse:collapse;font-size:14px}
.ihc th,.ihc td{text-align:left;padding:7px 6px;border-bottom:1px solid var(--line);vertical-align:top}
.ihc th{font-size:12px;color:var(--muted);font-weight:600;text-transform:uppercase;letter-spacing:.05em}
.ihc td.n,.ihc th.n{text-align:right;font-family:var(--f-num);font-variant-numeric:tabular-nums;white-space:nowrap}
.ihc tr.total td{font-weight:700;border-bottom:2px solid var(--navy);color:var(--navy)}
.ihc tr.sub td{color:var(--muted);font-size:13px}
.ihc .basis{display:block;font-size:12px;color:var(--muted)}
.ihc .warn{font-size:13px;color:var(--warn);margin:8px 0 0;padding-left:18px}
.ihc .err{color:var(--bad);font-size:14px}
.ihc details{border-top:1px solid var(--line);padding-top:8px;margin-top:10px}
.ihc summary{cursor:pointer;font-weight:600;color:var(--navy);font-size:14px}
.ihc .kpis{display:grid;grid-template-columns:1fr 1fr;gap:8px;margin-top:10px;font-size:13px}
.ihc .kpis div{background:var(--wash);border-radius:6px;padding:8px}
.ihc .kpis b{font-family:var(--f-num);display:block;font-size:15px}
.ihc .cta{margin-top:16px;padding:14px;border-radius:8px;background:var(--wash)}
.ihc .cta p{margin:0 0 8px;font-size:14px}
.ihc .toast{font-size:13px;color:var(--good);min-height:1.2em}
.ihc .compare{margin-top:14px} .ihc .ref{max-width:820px;margin:0 auto;padding-block:20px 60px}
.ihc .ref section{padding-block:22px;border-top:1px solid var(--line)}
.ihc .ref p,.ihc .ref li{max-width:70ch}
.ihc .tablewrap{overflow-x:auto;margin:10px 0}
.ihc .formula{font-family:var(--f-num);background:var(--wash);border-radius:8px;padding:12px 14px;font-size:13.5px;overflow-x:auto;white-space:pre}
.ihc .note{font-size:13px;color:var(--muted)}
.ihc .links{display:grid;grid-template-columns:repeat(auto-fill,minmax(220px,1fr));gap:10px;padding:0;list-style:none}
.ihc .links a{display:block;padding:12px;border:1px solid var(--line);border-radius:8px;text-decoration:none;color:var(--navy);font-weight:600}
.ihc .links a span{display:block;font-weight:400;font-size:13px;color:var(--muted)}
.ihc dl.faq dt{font-weight:600;color:var(--navy);margin-top:14px}
.ihc dl.faq dd{margin:4px 0 0}
@media print{.ihc .bench>.panel:first-child,.ihc .ref,.ihc .crumbs,.ihc .cta,.ihc .row,.ihc .compare{display:none!important}.ihc .bench{display:block}.ihc .sheet{border:0;position:static}}
@media (prefers-reduced-motion:reduce){.ihc *{transition:none!important}}
.ihc p,.ihc li,.ihc dd,.ihc dt,.ihc h1,.ihc h2,.ihc h3{text-align:left}.ihc caption{caption-side:top;text-align:left}.ihc .band{text-align:center} .ihc .checks{display:grid!important;grid-template-columns:repeat(auto-fill,minmax(220px,1fr));gap:10px 16px;margin-top:14px}
.ihc label.check{display:flex!important;flex-direction:row!important;align-items:center!important;justify-content:flex-start!important;gap:10px!important;position:relative!important;padding:8px 10px!important;margin:0!important;border:1px solid var(--line);border-radius:6px;background:var(--wash);font-size:14px!important;line-height:1.35!important;cursor:pointer;text-align:left!important;min-height:44px}
.ihc label.check input[type=checkbox]{-webkit-appearance:checkbox!important;appearance:auto!important;position:static!important;opacity:1!important;display:inline-block!important;flex:0 0 18px!important;width:18px!important;height:18px!important;min-width:18px!important;margin:0!important;padding:0!important;border-radius:3px!important;background:none!important;box-shadow:none!important;transform:none!important;left:auto!important;top:auto!important;accent-color:var(--coral)}
.ihc label.check input[type=checkbox]::before,.ihc label.check input[type=checkbox]::after,.ihc label.check::before,.ihc label.check::after{content:none!important;display:none!important}
.ihc label.check span{flex:1 1 auto;min-width:0}
.ihc .row .btn{width:auto!important;display:inline-block!important;flex:0 0 auto}
.ihc .btn{text-align:center;line-height:1.3}
.ihc label.check{width:auto!important;max-width:none!important;min-width:0!important;height:auto!important;float:none!important}.ihc label.check span{display:block!important;width:auto!important;white-space:normal!important;position:static!important;padding:0!important;margin:0!important;font-size:14px!important;line-height:1.35!important;color:var(--ink)!important} .ihc .hero{margin-left:calc(-1 * max(16px,env(safe-area-inset-left,0px)));margin-right:calc(-1 * max(16px,env(safe-area-inset-right,0px)));background:#243b4a;background-image:radial-gradient(circle at 85% 20%,rgba(196,90,73,.28),transparent 45%),linear-gradient(180deg,#243b4a,#1c2f3c);color:#fff;padding:28px max(16px,env(safe-area-inset-right,0px)) 0 max(16px,env(safe-area-inset-left,0px))}
.ihc .hero-in{max-width:1180px;margin:0 auto;display:grid;grid-template-columns:minmax(0,1.3fr) minmax(0,1fr);gap:40px;align-items:center;padding-block:10px 36px}
@media (max-width:900px){.ihc .hero-in{grid-template-columns:minmax(0,1fr);gap:28px}}
.ihc .hero .crumbs,.ihc .hero .crumbs a{color:rgba(255,255,255,.7)!important;padding:0}
.ihc .hero .eyebrow{margin:18px 0 0;font-size:12px;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:#f3a596}
.ihc .hero h1{color:#fff!important;font-size:clamp(32px,5vw,54px)!important;line-height:1.08!important;margin:10px 0 14px!important}
.ihc .hero-lede{font-size:clamp(16px,1.6vw,19px);color:rgba(255,255,255,.86);max-width:56ch;margin:0 0 24px;line-height:1.55}
.ihc .hero-cta{display:flex;flex-wrap:wrap;gap:12px;margin-bottom:22px}
.ihc .hbtn{display:inline-flex!important;align-items:center;justify-content:center;min-height:48px;padding:12px 22px;border-radius:999px;font-weight:600;font-size:15px;text-decoration:none!important;transition:transform .15s,background .15s}
.ihc .hbtn.primary{background:#c45a49;color:#fff!important;box-shadow:0 8px 20px rgba(196,90,73,.35)}
.ihc .hbtn.primary:hover{background:#b24d3d;transform:translateY(-1px)}
.ihc .hbtn.ghost{border:1.5px solid rgba(255,255,255,.5);color:#fff!important}
.ihc .hbtn.ghost:hover{background:rgba(255,255,255,.1)}
.ihc .chips{list-style:none;display:flex;flex-wrap:wrap;gap:8px;padding:0!important;margin:0!important}
.ihc .chips li{font-size:13px;padding:5px 12px;border-radius:999px;background:rgba(255,255,255,.1);color:rgba(255,255,255,.92);border:1px solid rgba(255,255,255,.15);margin:0!important}
.ihc .hero-card{margin:0;background:#fff;color:#232838;border-radius:14px;padding:20px 22px;box-shadow:0 24px 50px rgba(0,0,0,.28);transform:rotate(1deg)}
.ihc .hero-card figcaption{font-size:12px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:#a8432f;display:flex;justify-content:space-between;gap:8px;margin-bottom:10px}
.ihc .hero-card figcaption span{color:#6b7488;letter-spacing:0;text-transform:none;font-weight:500}
.ihc .hero-card dl{margin:0}
.ihc .hero-card dl div{display:flex;justify-content:space-between;gap:10px;padding:8px 0;border-bottom:1px dashed #dfe4ec;font-size:14px}
.ihc .hero-card dt{font-weight:500}.ihc .hero-card dd{margin:0;font-family:var(--f-num);font-variant-numeric:tabular-nums}
.ihc .hc-total{display:flex;justify-content:space-between;align-items:baseline;margin:14px 0 4px!important;color:#243b4a;font-weight:600}
.ihc .hc-total b{font-family:var(--f-num);font-size:28px;color:#243b4a}
.ihc .hc-range{font-size:12px;color:#6b7488;margin:0!important}
.ihc .hero-steps{max-width:1180px;margin:0 auto;border-top:1px solid rgba(255,255,255,.14)}
.ihc .hero-steps ol{list-style:none;counter-reset:s;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px;padding:20px 0 24px!important;margin:0!important}
@media (max-width:700px){.ihc .hero-steps ol{grid-template-columns:minmax(0,1fr);gap:12px}}
.ihc .hero-steps li{counter-increment:s;display:grid;grid-template-columns:32px 1fr;column-gap:12px;margin:0!important;color:#fff}
.ihc .hero-steps li::before{content:counter(s);grid-row:span 2;width:32px;height:32px;border-radius:50%;background:rgba(196,90,73,.9);display:grid;place-items:center;font-weight:700;font-size:14px}
.ihc .hero-steps b{font-size:15px;color:#fff}.ihc .hero-steps span{font-size:13px;color:rgba(255,255,255,.72)}
.ihc #ihc-form{scroll-margin-top:110px}
@media (prefers-reduced-motion:reduce){.ihc .hbtn{transition:none}.ihc .hero-card{transform:none}}
.ihc .hero-in,.ihc .hero-steps{padding-left:8px;padding-right:8px}@media (min-width:901px){.ihc .hero-in{padding-right:64px}.ihc .hero-card{max-width:420px;justify-self:end;width:100%}}
.ihc .hero{position:relative!important;top:auto!important;z-index:auto!important} .ihc .ref2{--sh:0 1px 2px rgba(36,59,74,.06),0 8px 24px rgba(36,59,74,.10);--sh-hi:0 2px 4px rgba(36,59,74,.08),0 22px 44px rgba(36,59,74,.18);margin-left:calc(-1 * max(16px,env(safe-area-inset-left,0px)));margin-right:calc(-1 * max(16px,env(safe-area-inset-right,0px)))}
.ihc .ref2 .ihw{max-width:1180px;margin:0 auto;padding-left:max(20px,env(safe-area-inset-left,0px));padding-right:max(20px,env(safe-area-inset-right,0px))}
.ihc .ref2 .ihw.narrow{max-width:860px}
.ihc .ref2 .band{padding-block:72px;border:0}
.ihc .ref2 .band.tint{background:linear-gradient(180deg,#f3f6fa,#eef2f8)}
.ihc .ref2 .band.dark{background:#243b4a;background-image:radial-gradient(circle at 10% 0%,rgba(196,90,73,.25),transparent 40%);color:#fff}
.ihc .ref2 .band.dark h2,.ihc .ref2 .band.dark h3{color:#fff!important}
.ihc .ref2 .band.dark .answer,.ihc .ref2 .band.dark .note,.ihc .ref2 .band.dark p{color:rgba(255,255,255,.82)}
.ihc .ref2 .band.foot{padding-block:40px;background:#f3f6fa}
.ihc .ref2 .band.foot h2{font-size:18px}
.ihc .ref2 .band.foot p{font-size:14px;color:var(--muted)}
.ihc .ref2 h2{font-size:clamp(26px,3.2vw,40px)!important;line-height:1.15!important;margin:0 0 16px!important;letter-spacing:-.015em}
.ihc .ref2 h3{margin:0 0 6px;font-size:18px}
.ihc .ref2 p{max-width:68ch}
.ihc .ref2 .kicker{font-size:12px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--coral);margin:0 0 10px}
.ihc .ref2 .dark .kicker{color:#f3a596}
.ihc .ref2 .answer{font-size:18px;line-height:1.6;color:var(--slate);margin:0 0 14px}
.ihc .ref2 .split{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:56px;align-items:center}
@media (max-width:900px){.ihc .ref2 .split{grid-template-columns:minmax(0,1fr);gap:32px}.ihc .ref2 .band{padding-block:52px}} .ihc .toc{position:sticky;top:92px;z-index:5;background:rgba(255,255,255,.92);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.ihc .toc .ihw{display:flex;gap:6px;align-items:center;overflow-x:auto;padding-block:10px;scrollbar-width:none}
.ihc .toc .ihw::-webkit-scrollbar{display:none}
.ihc .toc-l{font-size:12px;font-weight:700;color:var(--muted);text-transform:uppercase;letter-spacing:.08em;white-space:nowrap;margin-right:6px}
.ihc .toc a{white-space:nowrap;font-size:14px;font-weight:500;color:var(--navy)!important;text-decoration:none!important;padding:6px 12px;border-radius:999px;transition:background .15s}
.ihc .toc a:hover{background:var(--wash)}
.ihc .ref2 section{scroll-margin-top:90px} .ihc .card3d{background:#fff;border:1px solid rgba(36,59,74,.08);border-radius:16px;padding:24px;box-shadow:var(--sh);transform:perspective(900px) translateZ(0);transition:transform .25s ease,box-shadow .25s ease}
.ihc .card3d:hover{transform:perspective(900px) translateY(-6px) rotateX(3deg);box-shadow:var(--sh-hi)}
.ihc .card3d p{margin:0;color:var(--slate);font-size:15px}
.ihc .grid2,.ihc .grid3,.ihc .grid5{display:grid;gap:20px;margin-top:28px}
.ihc .grid2{grid-template-columns:repeat(2,minmax(0,1fr))}
.ihc .grid3{grid-template-columns:repeat(3,minmax(0,1fr))}
.ihc .grid5{grid-template-columns:repeat(auto-fit,minmax(200px,1fr))}
@media (max-width:800px){.ihc .grid2,.ihc .grid3{grid-template-columns:minmax(0,1fr)}}
.ihc .card3d .ic{display:grid;place-items:center;width:44px;height:44px;border-radius:12px;background:linear-gradient(135deg,#c45a49,#e08470);color:#fff;font-size:18px;margin-bottom:14px;box-shadow:0 8px 16px rgba(196,90,73,.35)}
.ihc .card3d .pct{font-family:var(--f-num);font-size:clamp(28px,3vw,40px);font-weight:600;color:var(--coral);margin:0 0 6px;line-height:1.1}
.ihc .card3d.glass{background:rgba(255,255,255,.08);border-color:rgba(255,255,255,.16);box-shadow:0 20px 40px rgba(0,0,0,.25)}
.ihc .card3d.glass p{color:rgba(255,255,255,.85)}.ihc .card3d.glass .pct{color:#f3a596}
.ihc .card3d.mode a{display:inline-block;margin-top:14px;font-weight:600;color:var(--coral-ink)!important;text-decoration:none!important} .ihc .stack3d{display:grid;gap:14px;perspective:1200px}
.ihc .stack3d .tile{background:#fff;border-radius:16px;padding:20px 22px 20px 76px;position:relative;box-shadow:var(--sh);border:1px solid rgba(36,59,74,.08);transform:rotateY(-8deg) rotateX(4deg);transform-origin:left center;transition:transform .3s}
.ihc .stack3d .t2{margin-left:24px}.ihc .stack3d .t3{margin-left:48px}
.ihc .stack3d .tile:hover{transform:rotateY(0) rotateX(0) translateX(6px)}
.ihc .stack3d .ti{position:absolute;left:20px;top:20px;width:40px;height:40px;border-radius:10px;background:#243b4a;color:#fff;display:grid;place-items:center;font-family:var(--f-num);font-size:14px}
.ihc .stack3d p{margin:0;color:var(--slate);font-size:15px}
@media (max-width:600px){.ihc .stack3d .t2,.ihc .stack3d .t3{margin-left:0}.ihc .stack3d .tile{transform:none}} .ihc .flow{list-style:none;display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:12px;padding:0!important;margin:28px 0 0!important;counter-reset:f}
@media (max-width:900px){.ihc .flow{grid-template-columns:minmax(0,1fr)}}
.ihc .flow li{counter-increment:f;position:relative;background:#fff;border-radius:14px;padding:44px 16px 18px;box-shadow:var(--sh);border-top:4px solid var(--coral);margin:0!important}
.ihc .flow li::before{content:counter(f);position:absolute;top:12px;left:16px;font-family:var(--f-num);font-size:13px;color:var(--coral);font-weight:600}
.ihc .flow b{display:block;color:var(--navy);font-size:16px;margin-bottom:6px}
.ihc .flow span{font-size:13.5px;color:var(--slate);line-height:1.45} .ihc .receipt{background:#fff;border-radius:18px;padding:26px 28px;box-shadow:0 30px 60px rgba(36,59,74,.18),0 2px 6px rgba(36,59,74,.08);transform:perspective(1000px) rotateY(-6deg) rotateX(3deg);transition:transform .3s;border:1px solid rgba(36,59,74,.06)}
.ihc .receipt:hover{transform:perspective(1000px) rotateY(0) rotateX(0)}
.ihc .receipt .r-h{font-size:12px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--coral-ink);margin:0 0 10px}
.ihc .receipt table th{font-weight:500;text-transform:none;letter-spacing:0;font-size:15px;color:var(--ink);border-bottom:1px dashed var(--line)}
.ihc .receipt table td{text-align:right;font-family:var(--f-num);border-bottom:1px dashed var(--line)}
.ihc .receipt tr.tot th,.ihc .receipt tr.tot td{font-weight:700;font-size:20px;color:var(--navy);border-bottom:0;padding-top:14px}
.ihc .receipt .r-f{font-size:13px;color:var(--muted);margin:6px 0 0}
.ihc .sr{position:absolute!important;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)} .ihc .tiers{display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:14px;margin:30px 0 12px;align-items:end}
@media (max-width:900px){.ihc .tiers{grid-template-columns:repeat(2,minmax(0,1fr))}}
.ihc .tier{position:relative;background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.14);border-radius:16px;padding:18px 16px 26px;overflow:hidden;transition:transform .25s}
.ihc .tier:hover{transform:translateY(-6px)}
.ihc .tier p{margin:0!important}
.ihc .tier .tn{font-weight:700;color:#fff!important;font-size:17px}
.ihc .tier .tf{font-size:13px}
.ihc .tier .tv{font-family:var(--f-num);font-size:clamp(20px,2vw,26px);color:#f3a596!important;margin-top:14px!important}
.ihc .tier .tr{font-size:12.5px;margin-top:4px!important}
.ihc .tier i{position:absolute;left:0;bottom:0;height:6px;width:var(--w);background:linear-gradient(90deg,#c45a49,#f3a596);border-radius:0 6px 0 0}
.ihc .ftab{width:100%;border-collapse:separate;border-spacing:0;background:rgba(255,255,255,.05);border-radius:12px;overflow:hidden}
.ihc .ftab th,.ihc .ftab td{color:rgba(255,255,255,.88);border-bottom:1px solid rgba(255,255,255,.1);padding:11px 14px}
.ihc .ftab th{color:#f3a596} .ihc .bars{background:#fff;border-radius:18px;padding:22px;box-shadow:var(--sh-hi)}
.ihc .bars .bh,.ihc .bars .br{display:grid;grid-template-columns:90px 1fr 1fr;gap:14px;align-items:center;padding:10px 0;border-bottom:1px solid var(--line);font-size:14px}
.ihc .bars .bh{font-size:12px;font-weight:700;text-transform:uppercase;letter-spacing:.06em;color:var(--muted)}
.ihc .bars .br:last-child{border-bottom:0}
.ihc .bars .br span:not(:first-child){display:flex;align-items:center;gap:8px;font-family:var(--f-num);font-size:13px}
.ihc .bars i{display:block;height:10px;width:var(--w);max-width:70%;border-radius:6px;background:linear-gradient(90deg,#243b4a,#4a6b80)}
.ihc .bars i.c2{background:linear-gradient(90deg,#c45a49,#f3a596)} .ihc .steps6{list-style:none;counter-reset:s6;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;padding:0!important;margin:24px 0 0!important}
@media (max-width:800px){.ihc .steps6{grid-template-columns:minmax(0,1fr)}}
.ihc .steps6 li{counter-increment:s6;display:flex;gap:14px;align-items:flex-start;background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px;margin:0!important;font-size:15px;color:var(--slate);box-shadow:var(--sh)}
.ihc .steps6 li::before{content:counter(s6);flex:0 0 34px;height:34px;border-radius:50%;background:#243b4a;color:#fff;display:grid;place-items:center;font-weight:700;font-size:14px} .ihc .faq2{display:grid;gap:12px;margin-top:20px}
.ihc .faq2 details{background:#fff;border-radius:14px;padding:4px 20px;box-shadow:var(--sh);border:1px solid rgba(36,59,74,.06)}
.ihc .faq2 summary{list-style:none;cursor:pointer;padding:16px 28px 16px 0;font-size:17px;font-weight:600;color:var(--navy);position:relative}
.ihc .faq2 summary::-webkit-details-marker{display:none}
.ihc .faq2 summary::after{content:"+";position:absolute;right:0;top:12px;font-size:24px;color:var(--coral);transition:transform .2s}
.ihc .faq2 details[open] summary::after{transform:rotate(45deg)}
.ihc .faq2 details p{margin:0 0 18px;color:var(--slate)}
.ihc .ref2 .links a{background:#fff;box-shadow:var(--sh);transition:transform .2s,box-shadow .2s;border-radius:14px;padding:18px}
.ihc .ref2 .links a:hover{transform:translateY(-4px);box-shadow:var(--sh-hi)}
@media (prefers-reduced-motion:reduce){.ihc .card3d,.ihc .stack3d .tile,.ihc .receipt,.ihc .tier{transition:none!important;transform:none!important}}
.ihc .ref2>section{display:block!important;grid-template-columns:none!important;width:auto!important;max-width:none!important;margin:0!important;height:auto!important;gap:0!important}.ihc .ref2>section::before,.ihc .ref2>section::after{content:none!important;display:none!important}.ihc .ref2 .band:not(.tint):not(.dark):not(.foot){background:#fff}
.ihc .ref2 .band{padding-top:72px!important;padding-bottom:72px!important}.ihc .ref2 .band.foot{padding-top:40px!important;padding-bottom:40px!important}.ihc .ref2 .band.tint{background:linear-gradient(180deg,#f3f6fa,#eef2f8)!important}.ihc .ref2 .band.dark{background-color:#243b4a!important}@media (max-width:900px){.ihc .ref2 .band{padding-top:52px!important;padding-bottom:52px!important}}
.ihc .toc{position:relative!important;top:auto!important}.ihc .ref2 .ihw{background:transparent}.ihc .flow b,.ihc .ref2 b,.ihc .ref2 strong{font-family:var(--f-body)!important}
.ihc .ref2 .tiers,.ihc .ref2 .dark .tablewrap{background:transparent!important;box-shadow:none!important}.ihc .ref2 .tier{background:#2d4859!important;border-color:rgba(255,255,255,.12)!important;box-shadow:0 14px 30px rgba(0,0,0,.25)!important}.ihc .ref2 .ftab{background:#2a4455!important}.ihc .ref2 .ftab td,.ihc .ref2 .ftab th{background:transparent!important}
.ihc .ref2 .card3d.glass{background:#2d4859!important;border-color:rgba(255,255,255,.14)!important}.ihc .ref2 .dark .grid3{background:transparent!important}@media (min-width:1080px){.ihc .ref2 .ihw{padding-right:76px}}
.ihc .ref2 .card3d{padding:24px!important}
.ihc .faq2 summary{text-align:left!important} .ihc .ref2 .band.ex{background:radial-gradient(circle at 90% 10%,rgba(196,90,73,.10),transparent 40%),radial-gradient(circle at 0% 100%,rgba(36,59,74,.08),transparent 45%),#fff!important}
.ihc .exgrid{display:grid;grid-template-columns:minmax(0,1fr) 70px minmax(0,1.1fr);align-items:center;margin-top:30px}
@media (max-width:900px){.ihc .exgrid{grid-template-columns:minmax(0,1fr);gap:18px}.ihc .exgrid .arrow{transform:rotate(90deg);justify-self:center}}
.ihc .exgrid .arrow{color:var(--coral);display:grid;place-items:center}
.ihc .prof{background:linear-gradient(160deg,#243b4a,#1c2f3c)!important;color:#fff;border-radius:22px;padding:26px!important;box-shadow:0 30px 60px rgba(36,59,74,.30);transform:perspective(1000px) rotateY(6deg);transition:transform .3s}
.ihc .prof:hover{transform:perspective(1000px) rotateY(0)}
.ihc .prof .ph{display:flex;gap:14px;align-items:center}
.ihc .prof .av{width:54px;height:54px;border-radius:50%;display:grid;place-items:center;font-weight:700;background:conic-gradient(from 200deg,#c45a49,#f3a596,#c45a49);color:#fff;box-shadow:0 0 0 3px #243b4a,0 0 0 5px #f3a596}
.ihc .prof .ph b{display:block;color:#fff;font-size:17px}.ihc .prof .ph span{font-size:13px;color:rgba(255,255,255,.7)}
.ihc .prof .stats{list-style:none;display:grid;grid-template-columns:repeat(3,1fr);gap:10px;padding:0!important;margin:20px 0!important}
.ihc .prof .stats li{background:rgba(255,255,255,.08);border-radius:12px;padding:12px 10px;text-align:center;margin:0!important}
.ihc .prof .stats b{display:block;font-size:22px;color:#fff;font-family:var(--f-body)!important}
.ihc .prof .stats span{font-size:12px;color:rgba(255,255,255,.7)}
.ihc .prof .mult{list-style:none;padding:0!important;margin:0!important;display:grid;gap:8px}
.ihc .prof .mult li{display:flex;justify-content:space-between;align-items:center;font-size:14px;color:rgba(255,255,255,.85);border-bottom:1px dashed rgba(255,255,255,.15);padding:6px 0;margin:0!important}
.ihc .prof .mult b{font-family:var(--f-num)!important;color:#f3a596;background:rgba(196,90,73,.2);padding:2px 10px;border-radius:99px;font-size:13px}
.ihc .prof .tip{margin:14px 0 0!important;font-size:13px;color:rgba(255,255,255,.75)!important}
.ihc .prof .tip b{color:#fff}
.ihc .ticket{position:relative;background:#fff!important;border-radius:20px;padding:24px 26px!important;box-shadow:0 30px 60px rgba(36,59,74,.18),0 2px 6px rgba(36,59,74,.08);transform:perspective(1000px) rotateY(-6deg);transition:transform .3s}
.ihc .ticket:hover{transform:perspective(1000px) rotateY(0)}
.ihc .ticket .r-h{display:flex;justify-content:space-between;align-items:center;font-size:12px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--coral-ink);margin:0 0 8px!important;max-width:none}
.ihc .pill2{letter-spacing:0;text-transform:none;font-weight:600;color:var(--good);background:rgba(47,125,91,.1);padding:3px 10px;border-radius:99px}
.ihc .ticket th{font-weight:500!important;text-transform:none!important;letter-spacing:0!important;font-size:15px!important;color:var(--ink)!important;border-bottom:1px dashed var(--line)!important;padding:11px 4px!important}
.ihc .ticket td{text-align:right;font-family:var(--f-num);border-bottom:1px dashed var(--line)!important;padding:11px 4px!important;color:var(--navy)}
.ihc .ticket .d{display:inline-block;width:10px;height:10px;border-radius:3px;margin-right:10px;vertical-align:middle}
.ihc .d1{background:#243b4a}.ihc .d2{background:#4a6b80}.ihc .d3{background:#9aa7b8}.ihc .d4{background:#c45a49}
.ihc .perf{position:relative;height:0;border-top:2px dashed var(--line);margin:18px -26px}
.ihc .perf::before,.ihc .perf::after{content:"";position:absolute;top:-13px;width:24px;height:24px;border-radius:50%;background:#fff;box-shadow:inset 0 0 0 1px rgba(36,59,74,.06)}
.ihc .perf::before{left:-12px;background:#fdfaf9}.ihc .perf::after{right:-12px;background:#fdfaf9}
.ihc .tot2{display:flex;justify-content:space-between;align-items:center;gap:10px}
.ihc .tot2 span{font-weight:700;color:var(--navy);font-size:17px}
.ihc .tot2 b{font-family:var(--f-num);font-size:clamp(28px,3vw,38px);color:#fff;background:linear-gradient(135deg,#c45a49,#e08470);padding:6px 16px;border-radius:12px;box-shadow:0 10px 22px rgba(196,90,73,.35)}
.ihc .rng{display:grid;grid-template-columns:auto 1fr auto;gap:10px;align-items:center;margin-top:16px;font-size:12px;color:var(--muted);font-family:var(--f-num)}
.ihc .rbar{height:8px;border-radius:99px;background:linear-gradient(90deg,#dfe4ec,#dfe4ec);position:relative}
.ihc .rbar i{position:absolute;left:0;right:0;top:0;bottom:0;border-radius:99px;background:linear-gradient(90deg,#9aa7b8,#243b4a 44%,#c45a49 46%,#9aa7b8)}
.ihc .ticket .r-f{font-size:12.5px;color:var(--muted)!important;margin:10px 0 0!important}
@media (prefers-reduced-motion:reduce){.ihc .prof,.ihc .ticket{transform:none!important}}
.ihc .prof .ph{background:transparent!important;padding:0!important;border:0!important;box-shadow:none!important}
.ihc .prof .ph>div{background:transparent!important;padding:0!important;box-shadow:none!important;border:0!important}