.hta-page{color:var(--navy);background:#f4f3ef;min-height:calc(100vh - 84px);padding-bottom:80px}.hta-container{max-width:1100px;margin:0 auto;padding:0 24px}.hta-hero{text-align:center;background:radial-gradient(1100px 360px at 50% -10%,#d4a8432e,#0000 60%),linear-gradient(#f4f3ef 0%,#efede6 100%);border-bottom:1px solid #0a2e360f;padding:120px 0 56px}.hta-eyebrow{letter-spacing:2px;text-transform:uppercase;color:var(--gold-dark);margin:0 0 14px;font-size:12px;font-weight:700;display:inline-block}.hta-h1{font-family:var(--font-serif);color:var(--navy);letter-spacing:-.01em;margin:0 0 18px;font-size:clamp(2rem,5.2vw,3.2rem);font-weight:700;line-height:1.12}.hta-sub{color:#475467;max-width:720px;margin:0 auto 24px;font-size:clamp(1.02rem,1.4vw,1.15rem);line-height:1.6}.hta-trust{color:var(--navy-mid);flex-wrap:wrap;justify-content:center;gap:8px 14px;margin:0 auto;padding:0;font-size:.92rem;font-weight:600;list-style:none;display:flex}.hta-trust li{align-items:center;display:inline-flex}.hta-trust-dot{color:var(--gold);font-weight:700}.hta-section{padding:64px 0 16px}.hta-section-steps{padding-top:56px}.hta-h2{font-family:var(--font-serif);color:var(--navy);letter-spacing:-.005em;margin:0 0 12px;font-size:clamp(1.6rem,3.4vw,2.2rem);font-weight:700;line-height:1.2}.hta-section-lead{color:#475467;max-width:720px;margin:0 0 32px;font-size:1.02rem;line-height:1.6}.hta-card{background:#fff;border:1px solid #0a2e360f;border-radius:14px;padding:28px 24px;box-shadow:0 2px 8px #0a2e360d,0 12px 32px #0a2e360f}.hta-prep-grid{grid-template-columns:repeat(3,1fr);gap:20px;display:grid}.hta-prep{flex-direction:column;gap:12px;display:flex}.hta-prep-icon{width:48px;height:48px;color:var(--navy);background:linear-gradient(135deg,#f8eab6 0%,#f2d98d 100%);border:1px solid #b8902a40;border-radius:12px;place-items:center;display:grid}.hta-prep-icon svg{width:24px;height:24px}.hta-card-title{font-family:var(--font-serif);color:var(--navy);margin:0;font-size:1.25rem;font-weight:700}.hta-card-body{color:#475467;margin:0;font-size:.97rem;line-height:1.55}.hta-step{background:#fff;border:1px solid #0a2e360f;border-radius:14px;margin-bottom:20px;padding:28px 28px 24px;box-shadow:0 2px 8px #0a2e360d,0 14px 36px #0a2e360f}.hta-step:last-child{margin-bottom:0}.hta-step-head{align-items:center;gap:16px;margin-bottom:14px;display:flex}.hta-step-num{width:48px;min-width:48px;height:48px;font-family:var(--font-serif);color:var(--navy);background:linear-gradient(135deg, var(--gold-light) 0%, var(--gold) 100%);border:1px solid #b8902a66;border-radius:50%;place-items:center;font-size:1.35rem;font-weight:700;display:grid;box-shadow:0 4px 12px #b8902a47}.hta-step-eyebrow{letter-spacing:1.6px;text-transform:uppercase;color:var(--gold-dark);margin:0 0 4px;font-size:11px;font-weight:700}.hta-step-title{font-family:var(--font-serif);color:var(--navy);margin:0;font-size:1.45rem;font-weight:700;line-height:1.15}.hta-step-body{color:#475467;margin:0 0 16px;font-size:1rem;line-height:1.55}.hta-list-label{letter-spacing:1.4px;text-transform:uppercase;color:#6e7681;margin:0 0 10px;font-size:11px;font-weight:700}.hta-step-list{flex-direction:column;gap:8px;margin:0 0 18px;padding:0;list-style:none;display:flex}.hta-step-list li{color:#344054;padding-left:26px;font-size:.98rem;line-height:1.55;position:relative}.hta-step-list li:before{content:"";background:var(--gold);border-radius:50%;width:8px;height:8px;position:absolute;top:.62em;left:4px;box-shadow:0 0 0 4px #d4a84329}.hta-step-shot{background:#fff;border:1px solid #e0ddd8;border-radius:12px;margin:20px 0 8px;overflow:hidden;box-shadow:0 4px 14px #0000000f}.hta-step-shot img{width:100%;height:auto;display:block}.hta-step-shot-caption{color:#706860;text-align:center;margin:10px 0;padding:0 16px;font-size:.82rem;font-style:italic}.hta-tip{background:#fef3c7;border-left:4px solid #d97706;border-radius:0 10px 10px 0;flex-direction:column;gap:6px;padding:14px 16px 14px 18px;display:flex}.hta-tip-label{letter-spacing:1.4px;text-transform:uppercase;color:#92400e;font-size:11px;font-weight:700}.hta-tip p{color:#5a3a0a;margin:0;font-size:.95rem;line-height:1.55}.hta-dont-grid{grid-template-columns:repeat(3,1fr);gap:16px;margin:0 0 22px;display:grid}.hta-dont-item{background:#fff;border:1px solid #0a2e360f;border-radius:14px;align-items:center;gap:14px;padding:22px 18px;display:flex;box-shadow:0 2px 8px #0a2e360a}.hta-dont-x{color:#b91c1c;background:#fee2e2;border:1px solid #b91c1c2e;border-radius:50%;place-items:center;width:42px;min-width:42px;height:42px;display:grid}.hta-dont-x svg{width:22px;height:22px}.hta-dont-text{font-family:var(--font-serif);color:var(--navy);margin:0;font-size:1.15rem;font-weight:700;line-height:1.2}.hta-dont-explainer{color:#475467;max-width:760px;margin:0;font-size:1rem;line-height:1.6}.hta-faq{flex-direction:column;gap:10px;display:flex}.hta-faq-item{transition:border-color .2s var(--ease), box-shadow .2s var(--ease);background:#fff;border:1px solid #0a2e3614;border-radius:12px;padding:4px 18px}.hta-faq-item[open]{border-color:#d4a84380;box-shadow:0 6px 20px #0a2e360f}.hta-faq-item summary{cursor:pointer;color:var(--navy);padding:14px 32px 14px 0;font-size:1.02rem;font-weight:600;line-height:1.4;list-style:none;position:relative}.hta-faq-item summary::-webkit-details-marker{display:none}.hta-faq-item summary:after{content:"";border-right:2px solid var(--gold-dark);border-bottom:2px solid var(--gold-dark);width:10px;height:10px;transition:transform .2s var(--ease);position:absolute;top:50%;right:4px;transform:translateY(-70%)rotate(45deg)}.hta-faq-item[open] summary:after{transform:translateY(-30%)rotate(-135deg)}.hta-faq-item p{color:#475467;margin:0 0 14px;font-size:.98rem;line-height:1.6}.hta-cta{padding:56px 0 0}.hta-cta-box{background:linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);text-align:center;color:#fff;border-radius:20px;padding:56px 40px;position:relative;overflow:hidden;box-shadow:0 24px 60px #0a2e3638}.hta-cta-box:before{content:"";pointer-events:none;background:radial-gradient(500px 220px at 80% 0,#d4a84338,#0000 60%),radial-gradient(420px 220px at 10% 100%,#d4a8431f,#0000 60%);position:absolute;inset:0}.hta-cta-h{font-family:var(--font-serif);color:#fff;margin:0 0 12px;font-size:clamp(1.7rem,3.8vw,2.4rem);font-weight:700;line-height:1.2;position:relative}.hta-cta-sub{color:#ffffffd1;max-width:540px;margin:0 auto 26px;font-size:1.05rem;line-height:1.55;position:relative}.hta-cta-btn{background:linear-gradient(135deg, var(--gold) 0%, var(--gold-dark) 100%);color:var(--navy);transition:transform .18s var(--ease), box-shadow .18s var(--ease);border-radius:999px;align-items:center;gap:10px;padding:16px 28px;font-size:1.05rem;font-weight:700;text-decoration:none;display:inline-flex;position:relative;box-shadow:0 12px 28px #d4a84357}.hta-cta-btn svg{width:18px;height:18px}.hta-cta-btn:hover{transform:translateY(-2px);box-shadow:0 18px 36px #d4a8436b}.hta-cta-btn:focus-visible{outline-offset:3px;outline:3px solid #fff}.hta-cta-foot{color:#ffffffb3;margin:22px 0 0;font-size:.88rem;font-weight:500;position:relative}@media (max-width:880px){.hta-prep-grid,.hta-dont-grid{grid-template-columns:1fr}}@media (max-width:640px){.hta-hero{padding:104px 0 44px}.hta-section{padding:48px 0 8px}.hta-step{padding:22px 20px 20px}.hta-step-head{gap:14px}.hta-step-num{width:42px;min-width:42px;height:42px;font-size:1.2rem}.hta-cta-box{border-radius:16px;padding:44px 22px}}