/* IHQA — shared stylesheet
   Brand: teal #007682, cream #FFEDC7 (sampled from supplied logo artwork) */
:root{
  --teal:#007682;--teal-d:#00525B;--teal-dd:#00323A;--teal-l:#1E9AA8;--teal-ll:#7CCBD4;
  --cream:#FFEDC7;--cream-s:#FFF7E6;--coral:#E4564A;--sky:#5B9BD5;
  --ink:#062A30;--ink-2:#3F6067;--ink-3:#7D989D;--line:#DCE7E8;--white:#fff;
  --amber:#B8791A;--amber-bg:#FFF3DC;
  --pad:clamp(1.15rem,4vw,3.5rem);--r:14px;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;background:#fff;color:var(--ink);font-family:Inter,system-ui,sans-serif;
  font-size:16.5px;line-height:1.65;font-variant-numeric:tabular-nums;overflow-x:hidden}
h1,h2,h3,h4{font-family:Outfit,sans-serif;font-weight:700;letter-spacing:-.025em;line-height:1.06;margin:0}
p{margin:0 0 1rem;max-width:64ch}
a{color:inherit}
img,svg{max-width:100%;display:block}
.wrap{max-width:1240px;margin:0 auto;padding-inline:var(--pad)}
.band{padding-block:clamp(3.5rem,8vw,6.5rem);position:relative}
.soft{background:var(--cream-s)}
h2{font-size:clamp(1.9rem,4.2vw,3.1rem)}
h3{font-size:1.2rem}
.lede{font-size:1.1rem;color:var(--ink-2);max-width:60ch}
.note{font-size:.89rem;color:var(--ink-3)}
.eyebrow{display:inline-flex;align-items:center;gap:.5rem;font-family:Outfit,sans-serif;font-weight:600;
  font-size:.78rem;letter-spacing:.09em;text-transform:uppercase;color:var(--teal);
  background:var(--cream);padding:.35rem .8rem;border-radius:100px;margin-bottom:1.1rem}
.eyebrow::before{content:"";width:6px;height:6px;border-radius:50%;background:var(--teal)}
.sec-h{margin-bottom:2.5rem;max-width:64ch}
.two{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:clamp(2rem,5vw,4.5rem)}
.grid3{display:grid;grid-template-columns:repeat(auto-fit,minmax(275px,1fr));gap:1.4rem}

/* buttons */
.btn{--bg:var(--teal);--fg:#fff;position:relative;display:inline-flex;align-items:center;gap:.55rem;
  font-family:Outfit,sans-serif;font-weight:600;font-size:1rem;text-decoration:none;
  padding:.9rem 1.55rem;border-radius:100px;border:1.5px solid var(--bg);background:var(--bg);color:var(--fg);
  cursor:pointer;overflow:hidden;transition:box-shadow .35s,color .3s}
.btn span{position:relative;z-index:2}
.btn::after{content:"";position:absolute;inset:0;background:var(--ink);transform:translateY(101%);
  transition:transform .45s cubic-bezier(.65,0,.35,1);z-index:1}
.btn:hover::after{transform:translateY(0)}
.btn:hover{box-shadow:0 14px 34px -12px rgba(0,118,130,.55)}
.btn-ghost{--bg:transparent;--fg:#fff;border-color:rgba(255,255,255,.45)}
.btn-ghost::after{background:var(--cream)}
.btn-ghost:hover{color:var(--teal-dd)}
.btn-cream{--bg:var(--cream);--fg:var(--teal-dd)}
.btn-cream::after{background:#fff}
.btn-cream:hover{color:var(--teal-dd)}
.btn-line{--bg:transparent;--fg:var(--teal);border-color:var(--teal)}
.btn-line::after{background:var(--teal)}
.btn-line:hover{color:#fff}
:focus-visible{outline:3px solid var(--teal-l);outline-offset:3px;border-radius:4px}

/* header */
.prog{position:fixed;top:0;left:0;height:3px;width:100%;transform:scaleX(0);transform-origin:0 50%;
  background:linear-gradient(90deg,var(--teal),var(--cream));z-index:200}
.hd{position:fixed;top:0;left:0;right:0;z-index:120;padding-block:.9rem;transition:background .4s,box-shadow .4s,padding .4s}
.hd-in{display:flex;align-items:center;gap:1.5rem}
.logo{position:relative;height:38px;width:121px;flex:none;display:block}
.logo img{position:absolute;inset:0;height:100%;width:100%;object-fit:contain;transition:opacity .35s}
.logo .lt{opacity:1}.logo .dk{opacity:0}
.hd.solid,.hd.opaque{background:rgba(255,255,255,.94);backdrop-filter:blur(14px);box-shadow:0 1px 0 var(--line);padding-block:.55rem}
.hd.solid .lt,.hd.opaque .lt{opacity:0}
.hd.solid .dk,.hd.opaque .dk{opacity:1}
.nav{margin-left:auto;display:flex;align-items:center;gap:1.8rem}
.nav a.lk{position:relative;text-decoration:none;font-family:Outfit,sans-serif;font-weight:500;font-size:.95rem;color:rgba(255,255,255,.86)}
.nav a.lk::after{content:"";position:absolute;left:0;right:0;bottom:-5px;height:2px;background:var(--cream);
  transform:scaleX(0);transform-origin:100% 50%;transition:transform .35s cubic-bezier(.65,0,.35,1)}
.nav a.lk:hover::after,.nav a.lk[aria-current=page]::after{transform:scaleX(1);transform-origin:0 50%}
.hd.solid .nav a.lk,.hd.opaque .nav a.lk{color:var(--ink-2)}
.hd.solid .nav a.lk::after,.hd.opaque .nav a.lk::after{background:var(--teal)}
.hd.solid .nav a.lk[aria-current=page],.hd.opaque .nav a.lk[aria-current=page]{color:var(--teal)}
.hd.solid .btn-ghost,.hd.opaque .btn-ghost{--fg:var(--teal);border-color:var(--teal)}
.hd.solid .btn-ghost::after,.hd.opaque .btn-ghost::after{background:var(--teal)}
.hd.solid .btn-ghost:hover,.hd.opaque .btn-ghost:hover{color:#fff}
.hd .btn{padding:.6rem 1.15rem;font-size:.92rem}
.burger{display:none;margin-left:auto;width:44px;height:38px;border:0;background:none;cursor:pointer;padding:8px 6px}
.burger i{display:block;height:2px;background:#fff;margin:5px 0;transition:transform .35s,opacity .3s}
.hd.solid .burger i,.hd.opaque .burger i{background:var(--ink)}
.hd.open .burger i:nth-child(1){transform:translateY(7px) rotate(45deg)}
.hd.open .burger i:nth-child(2){opacity:0}
.hd.open .burger i:nth-child(3){transform:translateY(-7px) rotate(-45deg)}

/* hero shells */
.hero{position:relative;background:radial-gradient(120% 100% at 78% 12%,#0A6A76 0%,#00525B 42%,#00323A 100%);
  color:#fff;padding-top:clamp(7rem,13vw,9.5rem);padding-bottom:clamp(9rem,16vw,13rem);overflow:hidden}
.hero.compact{padding-bottom:clamp(6rem,11vw,9rem)}
.hero .wrap{position:relative;z-index:4}
.hero h1{font-size:clamp(2.5rem,6vw,5rem);font-weight:800;letter-spacing:-.038em}
.hero.compact h1{font-size:clamp(2.2rem,5vw,3.9rem)}
.hero .lede{color:rgba(255,255,255,.8);font-size:1.13rem;margin-top:1.5rem;max-width:54ch}
.hero .eyebrow{background:rgba(255,237,199,.14);color:var(--cream)}
.hero em{font-style:normal;color:var(--cream)}
.h-line{overflow:hidden;display:block}
.h-line>span{display:block}
.hero-cta{display:flex;flex-wrap:wrap;gap:.85rem;margin-top:2rem}
.hero-grid{display:grid;grid-template-columns:minmax(0,1.02fr) minmax(0,1fr);gap:clamp(2rem,5vw,4.5rem);align-items:center}
.hero-meta{display:flex;flex-wrap:wrap;gap:1.5rem 2.4rem;margin-top:2.6rem;padding-top:1.4rem;border-top:1px solid rgba(255,255,255,.16)}
.hero-meta div{font-size:.86rem;color:rgba(255,255,255,.62);max-width:19ch;line-height:1.45}
.hero-meta b{display:block;font-family:Outfit,sans-serif;font-weight:700;font-size:1.5rem;color:var(--cream);letter-spacing:-.02em;margin-bottom:.15rem}
.crumb{font-size:.85rem;color:rgba(255,255,255,.55);margin-bottom:1rem}
.crumb a{text-decoration:none}.crumb a:hover{color:var(--cream)}
.orb{position:absolute;border-radius:50%;filter:blur(70px);opacity:.5;pointer-events:none;z-index:1}
.orb-a{width:520px;height:520px;background:#00A0B0;top:-160px;right:-120px}
.orb-b{width:420px;height:420px;background:#0E5C66;bottom:-140px;left:-120px;opacity:.7}
.bubbles{position:absolute;inset:0;z-index:2;pointer-events:none}
.bubbles b{position:absolute;bottom:-40px;border-radius:50%;background:rgba(255,237,199,.16);border:1px solid rgba(255,237,199,.22)}
.wv{position:absolute;left:0;right:0;width:100%;height:auto;z-index:3;pointer-events:none}
.wv-b{bottom:-1px}.wv-t{top:-1px}

/* glass chart panel */
.rig{position:relative;z-index:4}
.glass{position:relative;background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.17);
  border-radius:var(--r);padding:1.3rem 1.35rem 1.1rem;backdrop-filter:blur(16px);box-shadow:0 30px 70px -30px rgba(0,0,0,.6)}
.glass-hd{display:flex;justify-content:space-between;align-items:flex-start;gap:1rem;margin-bottom:.5rem}
.glass-hd h3{font-size:1rem;font-weight:600}
.glass-hd p{margin:.15rem 0 0;font-size:.79rem;color:rgba(255,255,255,.55)}
.pill{font-family:Outfit,sans-serif;font-size:.72rem;font-weight:600;padding:.25rem .6rem;border-radius:100px;
  background:rgba(255,237,199,.16);color:var(--cream);border:1px solid rgba(255,237,199,.3);white-space:nowrap}
.lg{display:flex;gap:1.1rem;flex-wrap:wrap;font-size:.75rem;color:rgba(255,255,255,.66);margin-top:.85rem;padding-top:.75rem;border-top:1px solid rgba(255,255,255,.14)}
.lg i{display:inline-block;width:20px;border-top:2px solid;vertical-align:middle;margin-right:.35rem}
.tip{position:absolute;pointer-events:none;opacity:0;transform:translate(-50%,-125%);background:#022329;color:#fff;
  border:1px solid rgba(255,237,199,.3);padding:.5rem .7rem;border-radius:8px;font-size:.78rem;line-height:1.45;
  white-space:nowrap;z-index:9;transition:opacity .15s}
.tip b{font-family:Outfit,sans-serif}
.flask-bg{position:absolute;right:-6%;top:-14%;width:78%;z-index:-1;opacity:.85;pointer-events:none}

/* marquee */
.mq{background:var(--cream);padding:.95rem 0;overflow:hidden;position:relative;z-index:5}
.mq-t{display:flex;gap:2.6rem;width:max-content;will-change:transform}
.mq-t span{font-family:Outfit,sans-serif;font-weight:600;font-size:.94rem;color:var(--teal-d);white-space:nowrap;
  display:flex;align-items:center;gap:2.6rem;opacity:.85}
.mq-t span::after{content:"";width:6px;height:6px;border-radius:50%;background:var(--teal);opacity:.45}

/* cards */
.card{position:relative;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:1.65rem 1.55rem;
  display:flex;flex-direction:column;gap:.75rem;overflow:hidden;
  transition:transform .5s cubic-bezier(.2,.9,.25,1),box-shadow .5s,border-color .5s}
.card::before{content:"";position:absolute;left:0;right:0;top:0;height:3px;background:linear-gradient(90deg,var(--teal),var(--cream));
  transform:scaleX(0);transform-origin:0 50%;transition:transform .5s cubic-bezier(.65,0,.35,1)}
.card:hover{transform:translateY(-6px);box-shadow:0 26px 50px -26px rgba(0,50,58,.38);border-color:transparent}
.card:hover::before{transform:scaleX(1)}
.card.flat:hover{transform:none;box-shadow:none;border-color:var(--line)}
.card.flat::before{display:none}
.card .code{font-family:Outfit,sans-serif;font-weight:600;font-size:.75rem;letter-spacing:.09em;text-transform:uppercase;color:var(--teal)}
.card h3{font-size:1.24rem}
.card p{font-size:.94rem;color:var(--ink-2);margin:0;flex-grow:1}
.card.soon{background:var(--cream-s);border-style:dashed}
.anly{font-size:.84rem;color:var(--ink-3);line-height:1.55;border-top:1px dashed var(--line);padding-top:.75rem}
.fee{font-family:Outfit,sans-serif;font-weight:700;font-size:1.65rem;color:var(--teal-d);letter-spacing:-.02em}
.fee small{display:block;font:400 .82rem/1.5 Inter,sans-serif;color:var(--ink-3);letter-spacing:0}
.tag{display:inline-block;font-family:Outfit,sans-serif;font-weight:600;font-size:.74rem;padding:.22rem .65rem;
  border-radius:100px;background:var(--cream);color:var(--teal-d)}
.ico{width:44px;height:44px;border-radius:12px;background:var(--cream);display:grid;place-items:center;flex:none}
.ico svg{width:22px;height:22px;stroke:var(--teal);fill:none;stroke-width:1.9;stroke-linecap:round;stroke-linejoin:round}

.pull{margin:0;font-family:Outfit,sans-serif;font-weight:600;font-size:1.45rem;line-height:1.33;letter-spacing:-.02em;
  color:var(--teal-d);border-left:4px solid var(--cream);padding-left:1.35rem}
.pull cite{display:block;margin-top:1rem;font:400 .91rem/1.6 Inter,sans-serif;font-style:normal;color:var(--ink-3);letter-spacing:0}

/* timeline */
.tl{position:relative;margin-top:1rem}
.tl-rail{position:absolute;left:23px;top:14px;bottom:14px;width:2px;background:var(--line)}
.tl-fill{position:absolute;left:23px;top:14px;width:2px;height:0;background:var(--teal)}
.tl ol{list-style:none;margin:0;padding:0;position:relative}
.tl li{display:grid;grid-template-columns:48px minmax(0,1fr);gap:1.5rem;padding-bottom:2rem}
.tl .dot{width:48px;height:48px;border-radius:50%;background:#fff;border:2px solid var(--line);display:grid;place-items:center;
  font-family:Outfit,sans-serif;font-weight:700;color:var(--ink-3);transition:background .4s,color .4s,border-color .4s,transform .4s}
.tl li.on .dot{background:var(--teal);border-color:var(--teal);color:#fff;transform:scale(1.06)}
.tl h3{font-size:1.14rem;margin-bottom:.3rem}
.tl p{margin:0;color:var(--ink-2);font-size:.97rem;max-width:58ch}

/* forms / tables */
label{display:block;font-size:.8rem;font-weight:500;color:var(--ink-2);margin-bottom:.35rem}
input,select{width:100%;font:inherit;font-size:1rem;padding:.62rem .75rem;border:1.5px solid var(--line);border-radius:10px;
  background:#fff;color:var(--ink);transition:border-color .25s,box-shadow .25s}
input:focus,select:focus{border-color:var(--teal);box-shadow:0 0 0 4px rgba(0,118,130,.12);outline:none}
.fields{display:grid;grid-template-columns:repeat(3,1fr);gap:.9rem}
table{width:100%;border-collapse:collapse;font-size:.97rem}
caption{text-align:left;font-size:.86rem;color:var(--ink-3);padding-bottom:.8rem}
th,td{text-align:left;padding:.85rem .7rem;border-bottom:1px solid var(--line)}
thead th{font-family:Outfit,sans-serif;font-weight:600;font-size:.85rem;color:var(--ink-2)}
.num{text-align:right;white-space:nowrap}
.chk{display:flex;align-items:center;gap:.7rem;cursor:pointer}
input[type=checkbox]{width:18px;height:18px;accent-color:var(--teal);flex:none;padding:0}
tfoot td{border-bottom:0;border-top:2px solid var(--teal-d);font-family:Outfit,sans-serif;font-weight:700;
  font-size:1.12rem;padding-top:1rem;color:var(--teal-d)}
.tog{display:inline-flex;background:var(--cream-s);border:1.5px solid var(--line);border-radius:100px;padding:4px;margin-bottom:1.5rem}
.tog button{font-family:Outfit,sans-serif;font-weight:600;font-size:.91rem;padding:.5rem 1.1rem;border:0;border-radius:100px;
  background:transparent;color:var(--ink-2);cursor:pointer;transition:background .3s,color .3s}
.tog button[aria-pressed=true]{background:var(--teal);color:#fff}

/* z tool */
.tool{display:grid;grid-template-columns:minmax(0,.9fr) minmax(0,1.1fr);gap:clamp(1.6rem,4vw,3.5rem);align-items:center;
  background:#fff;border:1px solid var(--line);border-radius:20px;padding:clamp(1.5rem,3.4vw,2.5rem);
  box-shadow:0 30px 60px -40px rgba(0,50,58,.45)}
.zbig{font-family:Outfit,sans-serif;font-weight:800;font-size:3.3rem;line-height:1;letter-spacing:-.04em}
.zv{font-size:.97rem;margin-top:.4rem;color:var(--ink-2)}
.zv b{font-family:Outfit,sans-serif}
.verdict{margin-top:1.4rem;border-top:1px solid var(--line);padding-top:1.15rem}

/* faq */
details{border-bottom:1px solid var(--line);padding:1.05rem 0}
summary{cursor:pointer;font-family:Outfit,sans-serif;font-weight:600;font-size:1.04rem;list-style:none;
  display:flex;justify-content:space-between;gap:1rem;align-items:center}
summary::-webkit-details-marker{display:none}
summary::after{content:"";flex:none;width:26px;height:26px;border-radius:50%;background:var(--cream);
  background-image:linear-gradient(var(--teal),var(--teal)),linear-gradient(var(--teal),var(--teal));
  background-size:11px 2px,2px 11px;background-position:center;background-repeat:no-repeat;transition:transform .35s}
details[open] summary::after{transform:rotate(135deg)}
details p{margin:.8rem 0 0;color:var(--ink-2);font-size:.96rem}

/* cta strip */
.strip{background:var(--teal-d);color:#fff;border-radius:20px;padding:clamp(2rem,4vw,3.2rem);
  display:flex;justify-content:space-between;align-items:center;gap:2rem;flex-wrap:wrap}
.strip h2{font-size:clamp(1.6rem,3vw,2.3rem);max-width:22ch}
.strip p{color:rgba(255,255,255,.75);margin:.7rem 0 0;max-width:44ch}

/* footer */
.ft{position:relative;background:var(--teal-dd);color:#B9CFD2;padding-top:6rem;overflow:hidden}
.ft h2,.ft h3,.ft strong{color:#fff}
.ft a{color:#B9CFD2;text-decoration:none}
.ft a:hover{color:var(--cream)}
.ft-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1.2fr;gap:2.5rem;padding-bottom:3.5rem}
.ft h3{font-family:Outfit,sans-serif;font-size:.9rem;font-weight:600;margin-bottom:1rem;color:var(--cream)}
.ft ul{list-style:none;margin:0;padding:0;font-size:.94rem}
.ft li{margin-bottom:.55rem}
.ft .logo{height:44px;width:140px;margin-bottom:1.1rem}
.fine{border-top:1px solid rgba(255,255,255,.13);padding:1.4rem 0 2rem;font-size:.85rem;color:#7D989D;
  display:flex;justify-content:space-between;gap:1rem;flex-wrap:wrap}
.lic{display:inline-block;border:1px solid rgba(255,237,199,.4);border-radius:8px;padding:.5rem .85rem;
  font-family:Outfit,sans-serif;font-weight:600;font-size:.81rem;color:var(--cream);margin-top:1rem}
.tbd{border-bottom:1px dotted #7D989D}

@media(max-width:980px){
  .hero-grid,.two,.tool,.ft-grid{grid-template-columns:1fr}
  .nav{position:fixed;inset:0 0 auto;top:0;padding:6.5rem var(--pad) 2.5rem;flex-direction:column;align-items:flex-start;
    gap:1.3rem;background:var(--teal-dd);clip-path:circle(0% at 92% 40px);transition:clip-path .6s cubic-bezier(.65,0,.35,1)}
  .hd.open .nav{clip-path:circle(150% at 92% 40px)}
  .hd.open{background:transparent!important;box-shadow:none!important}
  .hd.open .lt{opacity:1}.hd.open .dk{opacity:0}
  .hd.open .burger i{background:#fff}
  .nav a.lk{font-size:1.3rem;color:#fff!important;font-weight:600}
  .hd.open .btn-ghost{--fg:#fff;border-color:rgba(255,255,255,.45)}
  .burger{display:block}
  .fields{grid-template-columns:1fr 1fr}
}
@media(max-width:560px){
  .hero-meta div{max-width:none;flex:1 1 40%}
  .tl li{grid-template-columns:40px 1fr;gap:1rem}
  .tl .dot{width:40px;height:40px;font-size:.9rem}
  .tl-rail,.tl-fill{left:19px}
}
@media(prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *{transition-duration:.01ms!important;animation-duration:.01ms!important}
}