.hero{background:radial-gradient(ellipse 60% 45% at 50% 40%,rgba(60,25,90,.45) 0%,transparent 70%),linear-gradient(160deg,#0a0c14,#141020 35%,#1c1228 60%,#0a0c14);padding:140px 48px 96px;position:relative;overflow:hidden;margin-top:-84px;text-align:center}.hero:before{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.13) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.13) 1px,transparent 1px);background-size:72px 72px;-webkit-mask-image:linear-gradient(to bottom,transparent 0%,rgba(0,0,0,.85) 30%,rgba(0,0,0,.85) 75%,transparent 100%);mask-image:linear-gradient(to bottom,transparent 0%,rgba(0,0,0,.85) 30%,rgba(0,0,0,.85) 75%,transparent 100%);pointer-events:none}.hero-inner{max-width:720px;margin:0 auto;position:relative;z-index:1}.hero-tag{display:inline-flex;align-items:center;gap:6px;background:#fca5031f;border:1px solid rgba(252,165,3,.25);border-radius:100px;padding:5px 14px;font-size:11px;font-weight:600;letter-spacing:.07em;text-transform:uppercase;color:var(--orange-500);margin-bottom:24px}.hero h1{font-size:clamp(2rem,4.5vw,3.25rem);font-weight:600;line-height:1.05;letter-spacing:-.035em;color:var(--on-dark);margin-bottom:20px}.hero-lead{font-size:17px;font-weight:300;color:var(--on-dark-2);line-height:1.7;max-width:540px;margin:0 auto 36px}.hero-btns{display:flex;align-items:center;gap:16px;flex-wrap:wrap;justify-content:center}.section{padding:96px 48px}.section-white{background:var(--white)}.section-base{background:var(--base-lt)}.section-dark{background:var(--dark)}.section-inner{max-width:var(--max);margin:0 auto}.section-title{font-size:clamp(1.75rem,3vw,2.5rem);font-weight:600;letter-spacing:-.025em;line-height:1.15;color:var(--ink);margin-bottom:16px}.section-title-dark{color:var(--on-dark)}.section-lead{font-size:16px;font-weight:300;color:var(--body);line-height:1.75;max-width:580px}.section-lead-dark{color:var(--on-dark-2)}.section-header{margin-bottom:56px}.section-header--center{text-align:center}.section-header--center .section-lead{margin:0 auto}.stage-nav{display:flex;align-items:stretch;gap:0;background:var(--base-lt);border:1px solid var(--border);border-radius:16px;overflow-x:auto;overflow-y:hidden;margin-bottom:64px;position:sticky;top:104px;z-index:80;scrollbar-width:none;-ms-overflow-style:none}.stage-nav::-webkit-scrollbar{display:none}.stage-nav-item{flex:1;flex-shrink:0;padding:20px 16px;text-align:center;border-right:1px solid var(--border);cursor:pointer;transition:background .2s;text-decoration:none}.stage-nav-item:last-child{border-right:none}.stage-nav-item:hover{background:var(--white)}.stage-nav-item.active{background:var(--white);box-shadow:inset 0 -3px 0 var(--cpg)}.stage-nav-item.active .stage-nav-num{color:var(--muted)}.stage-nav-item.active .stage-nav-label{color:var(--ink)}.stage-nav-num{font-size:11px;font-weight:600;letter-spacing:.08em;color:var(--muted);margin-bottom:4px}.stage-nav-label{font-size:14px;font-weight:600;color:var(--ink)}.stage-nav-sub{font-size:12px;color:var(--muted);margin-top:2px}.stage-grid{display:flex;flex-direction:column;gap:32px}.stage-card{background:var(--white);border:1px solid var(--border);border-radius:20px;overflow:hidden;display:grid;grid-template-columns:320px 1fr}.stage-card-left{padding:48px 40px;display:flex;flex-direction:column;justify-content:space-between;border-right:1px solid var(--border)}.stage-pill{display:inline-flex;align-items:center;gap:6px;border-radius:100px;padding:4px 14px;font-size:11px;font-weight:600;letter-spacing:.07em;text-transform:uppercase;margin-bottom:24px;align-self:flex-start}.stage-1 .stage-pill{background:#5eace11f;color:var(--blue-800);border:1px solid rgba(94,172,225,.25)}.stage-2 .stage-pill{background:#9de6821f;color:var(--green-800);border:1px solid rgba(157,230,130,.25)}.stage-3 .stage-pill{background:#fca5031f;color:var(--orange-600);border:1px solid rgba(252,165,3,.25)}.stage-4 .stage-pill{background:#c5a1ee1f;color:var(--purple-800);border:1px solid rgba(197,161,238,.25)}.stage-card h3{font-size:1.375rem;font-weight:600;color:var(--ink);line-height:1.2;margin-bottom:12px}.stage-card-lead{font-size:14px;color:var(--body);line-height:1.7;margin-bottom:24px}.stage-cost-block{border-top:1px solid var(--border);padding-top:20px;margin-top:auto}.stage-cost-label{font-size:11px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);margin-bottom:4px}.stage-cost-range{font-size:1.125rem;font-weight:600;color:var(--ink)}.stage-cost-note{font-size:.75rem;font-style:italic;color:var(--muted);margin-top:8px;line-height:1.5}.stage-card-right{padding:48px 40px}.coverage-list{display:flex;flex-direction:column;gap:0}.coverage-list-header{font-size:11px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);margin-bottom:16px}.coverage-row{display:flex;align-items:flex-start;gap:14px;padding:14px 0;border-bottom:1px solid var(--border)}.coverage-row:last-child{border-bottom:none}.coverage-dot{width:8px;height:8px;border-radius:50%;flex-shrink:0;margin-top:6px}.stage-1 .coverage-dot{background:var(--blue-500)}.stage-2 .coverage-dot{background:var(--green-500)}.stage-3 .coverage-dot{background:var(--orange-500)}.stage-4 .coverage-dot{background:var(--purple-500)}.coverage-name{font-size:14px;font-weight:600;color:var(--ink);margin-bottom:2px}.coverage-why{font-size:13px;color:var(--body);line-height:1.6}.coverage-required{display:inline-block;font-size:10px;font-weight:600;letter-spacing:.06em;text-transform:uppercase;padding:2px 7px;border-radius:4px;margin-left:8px;vertical-align:middle}.badge-required{background:#fca5031f;color:var(--orange-600)}.badge-recommended{background:var(--base-lt);color:var(--muted)}.milestone-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}.milestone-col{background:var(--white);border:1px solid var(--border);border-radius:16px;padding:28px 24px}.milestone-badge{display:inline-flex;align-items:center;border-radius:100px;padding:4px 14px;font-size:11px;font-weight:600;letter-spacing:.07em;text-transform:uppercase;margin-bottom:20px}.mb-1{background:#5eace11f;color:var(--blue-800);border:1px solid rgba(94,172,225,.25)}.mb-2{background:#9de6821f;color:var(--green-800);border:1px solid rgba(157,230,130,.25)}.mb-3{background:#fca5031f;color:var(--orange-600);border:1px solid rgba(252,165,3,.25)}.mb-4{background:#c5a1ee1f;color:var(--purple-800);border:1px solid rgba(197,161,238,.25)}.milestone-triggers{display:flex;flex-direction:column;gap:10px}.milestone-trigger{display:flex;align-items:flex-start;gap:10px;font-size:13px;color:var(--body);line-height:1.5}.milestone-trigger:before{content:"";width:5px;height:5px;border-radius:50%;background:var(--border);flex-shrink:0;margin-top:7px}.acc-list{display:flex;flex-direction:column;gap:8px;margin-top:48px}.acc-item{background:var(--white);border:1px solid var(--border);border-radius:16px;overflow:hidden}.acc-trigger{width:100%;display:flex;justify-content:space-between;align-items:center;gap:16px;padding:22px 28px;cursor:pointer;background:none;border:none;font-family:var(--sans);font-size:15px;font-weight:600;color:var(--ink);text-align:left;transition:color .15s}.acc-trigger:hover,.acc-item.open .acc-trigger{color:var(--ink)}.acc-caret{flex-shrink:0;width:20px;height:20px;border-radius:50%;background:var(--base-lt);display:flex;align-items:center;justify-content:center;transition:background .2s,transform .25s ease}.acc-caret svg{width:12px;height:12px;stroke:var(--muted);fill:none;stroke-width:2.5;stroke-linecap:round;stroke-linejoin:round}.acc-item.open .acc-caret{background:var(--ink);transform:rotate(180deg)}.acc-item.open .acc-caret svg{stroke:#fff}.acc-body{max-height:0;overflow:hidden;transition:max-height .32s ease,padding-bottom .32s ease;padding:0 28px}.acc-inner{border-top:1px solid var(--border);padding-top:16px;padding-bottom:28px}.acc-inner p{font-size:14px;color:var(--body);line-height:1.8}.related-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin-top:48px}.related-card{background:var(--dark);border-radius:20px;padding:40px 36px;display:flex;flex-direction:column;gap:12px;text-decoration:none;transition:transform .2s}.related-card:hover{transform:translateY(-3px)}.related-eyebrow{font-size:11px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--muted)}.related-title{font-size:1.25rem;font-weight:600;color:var(--on-dark);line-height:1.3}.related-desc{font-size:14px;color:var(--on-dark-2);line-height:1.65}.related-link{font-size:13px;font-weight:600;color:var(--on-dark-2);margin-top:auto}@media(max-width:1024px){.milestone-grid{grid-template-columns:repeat(2,1fr)}}@media(max-width:768px){.hero{padding:120px 20px 64px}.hero h1{font-size:2rem}.section{padding:64px 20px}.stage-nav{border-radius:12px;top:100px}.stage-nav-item{flex:1;flex-shrink:1;padding:12px 6px;min-width:0}.stage-nav-num{font-size:9px}.stage-nav-label{font-size:11px}.stage-nav-sub{display:none}.stage-card{grid-template-columns:1fr}.stage-card-left{border-right:none;border-bottom:1px solid var(--border);padding:32px 24px}.stage-card-right{padding:32px 24px}.milestone-grid,.related-grid{grid-template-columns:1fr}.hero-btns{flex-direction:column;align-items:stretch}}