.search-bar{box-shadow:var(--shadow-md);background:#fff;border-radius:999px;gap:10px;max-width:640px;margin-top:28px;padding:8px;display:flex}.search-bar input{border:none;outline:none;flex:1;min-width:0;padding:10px 18px;font-family:inherit;font-size:.98rem}.search-bar button{flex:none}@media (max-width:480px){.search-bar{border-radius:20px;flex-wrap:wrap}.search-bar input{width:100%;padding:12px 14px}.search-bar button{width:100%}}.quick-chips{flex-wrap:wrap;gap:10px;margin-top:16px;display:flex}.quick-chips a{border:1px solid var(--neutral-300);color:var(--primary-900);background:#fff;border-radius:999px;padding:8px 16px;font-size:.86rem;font-weight:600;transition:all .2s}.quick-chips a:hover{border-color:var(--primary);color:var(--primary)}.topics-grid{grid-template-columns:repeat(3,1fr);gap:20px;margin-top:0;display:grid}@media (max-width:1024px){.topics-grid{grid-template-columns:repeat(2,1fr)}}@media (max-width:640px){.topics-grid{grid-template-columns:1fr}}.topic-card{background:var(--neutral-100);transition:transform .3s var(--ease), box-shadow .3s var(--ease);border-radius:18px;padding:28px}.topic-card:hover{box-shadow:var(--shadow-md);transform:translateY(-4px)}.topic-card .t-icon{width:56px;height:56px;color:var(--primary-700,#0e4e96);transition:transform .3s var(--ease), background .3s var(--ease);background:#0e4e9612;border-radius:50%;justify-content:center;align-items:center;margin-bottom:18px;display:flex}.topic-card:hover .t-icon{background:var(--secondary-100);transform:scale(1.08)}.topic-card h3{margin-bottom:8px;font-size:1.08rem}.topic-card p{color:var(--neutral-700);margin-bottom:16px;font-size:.9rem;line-height:1.6}.grid{gap:24px;display:grid}.grid-2{grid-template-columns:repeat(2,1fr)}@media (max-width:640px){.grid-2{grid-template-columns:1fr}}.tool-card{border:1px solid var(--neutral-300);border-radius:var(--radius-md);transition:transform .3s var(--ease), box-shadow .3s var(--ease), border-color .3s var(--ease);background:#fff;justify-content:space-between;align-items:center;padding:22px 26px;display:flex}.tool-card:hover{box-shadow:var(--shadow-md);border-color:var(--primary-300);transform:translateY(-4px)}.tool-card b{display:block}.tool-card span{color:var(--neutral-500);font-size:.86rem}.tool-card .btn-link{color:var(--primary);white-space:nowrap;flex:none}.bg-tint{background:var(--neutral-100)}.tag-pill{background:var(--primary-100);color:var(--primary);letter-spacing:.04em;text-transform:uppercase;border-radius:999px;align-items:center;gap:6px;padding:6px 14px;font-size:.78rem;font-weight:700;display:inline-flex}.accordion{border-top:1px solid var(--neutral-300)}.accordion-item{border-bottom:1px solid var(--neutral-300)}.accordion-item .acc-head{cursor:pointer;justify-content:space-between;align-items:center;gap:16px;padding:22px 4px;display:flex}.accordion-item .acc-head .tag-pill{text-align:center;flex:none;justify-content:center;min-width:132px;margin:0 14px 0 0}.accordion-item .acc-head h3{flex:1;font-size:1rem}.accordion-item .acc-chevron{color:var(--neutral-500);flex:none;justify-content:center;align-items:center;width:18px;height:18px;display:flex}.accordion-item .acc-chevron svg{width:16px;height:16px}.accordion-item .acc-chevron svg .v-bar{transform-box:fill-box;transform-origin:50%;transition:transform .3s var(--ease)}.accordion-item.is-open .acc-chevron svg .v-bar{transform:scaleY(0)}.accordion-item .acc-body{transition:grid-template-rows .4s var(--ease);grid-template-rows:minmax(0,0fr);display:grid}.accordion-item .acc-body-inner{min-height:0;color:var(--neutral-700);opacity:0;transition:opacity .3s var(--ease);padding:0 28px 28px;font-size:.94rem;line-height:1.6;overflow:hidden}.accordion-item.is-open .acc-body{grid-template-rows:minmax(0,1fr)}.accordion-item.is-open .acc-body-inner{opacity:1}.accordion--cards{border-top:none;flex-direction:column;gap:16px;display:flex}.accordion--cards .accordion-item{border-radius:var(--radius-md);box-shadow:var(--shadow-sm);transition:box-shadow .3s var(--ease), transform .3s var(--ease);background:#fff;border-bottom:none;overflow:hidden}.accordion--cards .accordion-item:hover{box-shadow:var(--shadow-md)}.accordion--cards .acc-head{gap:20px;padding:24px 28px}.accordion--cards .acc-head h3{color:var(--primary-900);font-size:1.05rem;font-weight:700}.accordion--cards .acc-body-inner{margin-top:-6px;padding:0 28px 28px}.accordion.ho-faq .acc-head .tag-pill{display:inline-flex}.ho-cta{background:var(--primary-900);text-align:center;margin-top:0;padding:88px 0}.ho-cta h2{color:#fff;margin-bottom:16px}.ho-cta p{color:#ffffffb8;max-width:560px;margin:0 auto 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