.sch-report-fields{margin:0}.sch-report-fields>div{padding:16px 0;border-bottom:1px solid #E5DCC9}.sch-report-fields>div:last-child{border-bottom:0;padding-bottom:0}.sch-report-fields dt{color:#0b1f3a;font:600 15px/1.5 Inter,sans-serif;margin-bottom:5px}.sch-report-fields dd{color:#1a3560;font:400 15px/1.6 Inter,sans-serif;margin:0}.sch-nav{background:#faf6ef;border-bottom:1px solid #E5DCC9;padding:16px 24px}.sch-nav-inner{max-width:1100px;margin:0 auto;display:flex;flex-wrap:wrap;column-gap:32px;row-gap:12px}.sch-nav-link{font-family:Inter,sans-serif;font-size:15px;font-weight:500;color:#1a3560;text-decoration:none;padding:9px 0;position:relative;display:inline-block;transition:color .2s ease}.sch-nav-link:hover{color:#0b1f3a}.sch-nav-link[aria-current=page]{color:#0b1f3a;font-weight:600}.sch-nav-link:after{content:"";position:absolute;bottom:-2px;left:0;right:0;height:2px;background:#b8924e;transform:scaleX(0);transform-origin:right;transition:transform .3s cubic-bezier(.4,0,.2,1)}.sch-nav-link[aria-current=page]:after{transform:scaleX(1);transform-origin:left}.sch-nav-link:hover:after{transform:scaleX(1);transform-origin:left}.sch-nav-link:focus-visible{outline:2px solid #B8924E;outline-offset:4px;border-radius:2px}.sch-page-title{font-family:Fraunces,serif;font-size:clamp(36px,5vw,56px);line-height:1.1;color:#0b1f3a;margin-bottom:24px;letter-spacing:-.02em}.sch-page-header{padding:clamp(44px,6vw,80px) 24px}.sch-page-header-compact{padding-block:clamp(28px,4vw,52px)}.sch-header-inner{max-width:1100px;margin:0 auto;position:relative;z-index:1}.sch-eyebrow{font:700 12px/1.5 Inter,sans-serif;color:#7a5f2a;letter-spacing:.14em;text-transform:uppercase;margin:0 0 14px}.sch-eyebrow-light{color:#d4b876}.sch-hero{position:relative;overflow:hidden}.sch-hero:before{content:"";position:absolute;width:650px;height:650px;top:-210px;right:-190px;background:repeating-radial-gradient(circle,transparent 0 51px,rgba(212,184,118,.16) 52px 53px);pointer-events:none}.sch-section{padding:clamp(56px,7vw,96px) 24px}.sch-page-subtitle{font-family:Inter,sans-serif;font-size:clamp(18px,2.5vw,22px);line-height:1.5;color:#1a3560;max-width:800px}.sch-page-subtitle.sch-dark{color:#f2eadb}.sch-grid{display:grid;gap:32px}@media(min-width:768px){.sch-grid-2,.sch-grid-3{grid-template-columns:repeat(2,minmax(0,1fr))}.sch-grid-3>:last-child:nth-child(odd){grid-column:1 / -1}.sch-grid-1-2{grid-template-columns:minmax(0,1fr) minmax(0,1.5fr)}.sch-grid-2-1{grid-template-columns:minmax(0,1.5fr) minmax(0,1fr)}}@media(min-width:1080px){.sch-grid-3{grid-template-columns:repeat(3,minmax(0,1fr))}.sch-grid-3>:last-child:nth-child(odd){grid-column:auto}}.sch-contact-layout{align-items:start}.sch-contact-aside{border-top:2px solid #B8924E;padding-top:18px}.sch-contact-direct{color:#1a3560;line-height:1.6;font-size:14px}.sch-contact-direct a{color:#0b1f3a;font-weight:600;overflow-wrap:anywhere}.sch-contact-section{padding-top:clamp(28px,4vw,56px)}.sch-form-shell{background:#faf6ef;padding:clamp(18px,3vw,32px);border:1px solid #E5DCC9;border-radius:4px}@media(min-width:900px){.sch-contact-layout{grid-template-columns:minmax(0,.7fr) minmax(0,1.3fr);gap:64px}}.sch-topic-number{color:#7a5f2a;font:600 12px/1.4 Inter,sans-serif;letter-spacing:.08em;min-width:24px;flex-shrink:0}.sch-next-section{padding-block:clamp(48px,6vw,76px)}.sch-next-layout{display:flex;justify-content:space-between;align-items:center;gap:32px}.sch-next-layout h2{font:400 clamp(28px,3vw,38px)/1.15 "Fraunces",Georgia,serif;color:#fff;margin:0 0 14px}.sch-next-layout p:not(.sch-eyebrow){color:#f2eadb;font-size:16px;line-height:1.6;max-width:560px;margin:0}.sch-next-actions{display:flex;flex-wrap:wrap;gap:16px;align-items:center;flex-shrink:0}.sch-next-text-link{color:#faf6ef;border-color:#d4b876;background:transparent}.sch-next-text-link:hover{color:#0b1f3a;background:#faf6ef}.sch-btn:focus-visible{outline:3px solid #D4B876;outline-offset:3px}.sch-form-row{display:grid;grid-template-columns:1fr;gap:16px}@media(min-width:600px){.sch-form-row{grid-template-columns:1fr 1fr}}.sch-editorial-border{border-top:2px solid #0B1F3A;padding-top:24px}.sch-editorial-border-gold{border-top:2px solid #B8924E;padding-top:24px}.sch-number{font-family:Fraunces,serif;font-size:24px;color:#7a5f2a;margin-bottom:8px;display:block}.sch-btn{display:inline-flex;align-items:center;justify-content:center;padding:14px 28px;font-size:15px;font-weight:600;font-family:Inter,sans-serif;text-decoration:none;border-radius:4px;transition:all .2s ease;border:1px solid transparent;cursor:pointer;text-align:center}.sch-btn-primary{background:#0b1f3a;color:#faf6ef}.sch-btn-primary:hover{background:#1a3560;transform:translateY(-1px)}.sch-btn-gold{background:#b8924e;color:#0b1f3a}.sch-btn-gold:hover{background:#9a7a3f;transform:translateY(-1px)}.sch-btn-outline{border-color:#0b1f3a;color:#0b1f3a;background:transparent}.sch-btn-outline:hover{background:#0b1f3a;color:#faf6ef}.sch-btn-ghost{color:#0b1f3a;padding:14px 0;border-radius:0;border-bottom:1px solid #0B1F3A}.sch-btn-ghost:hover{color:#b8924e;border-color:#b8924e}.sch-contact-input{width:100%;padding:12px 16px;font-size:16px;border:1px solid #E5DCC9;border-radius:4px;background:#fff;color:#0b1f3a;font-family:Inter,sans-serif;transition:border-color .2s ease,box-shadow .2s ease}.sch-contact-input:focus{outline:none;border-color:#b8924e;box-shadow:0 0 0 3px #b8924e26}.sch-contact-input:disabled{background:#faf6ef;color:#5c5c5c;cursor:not-allowed}.sch-contact-label{display:block;font-size:14px;font-weight:600;color:#0b1f3a;margin-bottom:6px}.sch-faq-item{border-bottom:1px solid #E5DCC9;padding:24px 0}.sch-faq-item:first-child{padding-top:0}.sch-faq-item:last-child{border-bottom:none;padding-bottom:0}.sch-faq-q{font-family:Inter,sans-serif;font-size:18px;font-weight:600;color:#0b1f3a;margin-bottom:12px}.sch-faq-a{font-family:Inter,sans-serif;font-size:16px;line-height:1.6;color:#1a3560}.sch-card-dark{background:#0b1f3a;color:#faf6ef;padding:40px;border-radius:8px}.sch-card-dark h3{color:#f2eadb}@media(prefers-reduced-motion:reduce){.sch-nav-link:after,.sch-btn,.sch-contact-input{transition:none!important;transform:none!important}}@media(max-width:600px){.sch-hero:before{width:350px;height:350px;top:-110px;right:-200px;opacity:.7}.sch-page-header-compact .sch-page-title{margin-bottom:14px}.sch-page-header-compact .sch-page-subtitle{font-size:17px;line-height:1.45}.sch-contact-layout{gap:22px}.sch-next-layout{display:block}.sch-next-actions{margin-top:28px;align-items:stretch;flex-direction:column}}.sch-h2{font:400 clamp(26px,3.4vw,36px)/1.15 "Fraunces",Georgia,serif;color:#0b1f3a;margin:0 0 16px;letter-spacing:-.01em}.sch-lede{font-size:17px;line-height:1.65;color:#1a3560;max-width:640px;margin:0 0 8px}.sch-actions{display:flex;flex-wrap:wrap;gap:16px}.sch-facts{display:grid;gap:0;grid-template-columns:1fr;border-top:1px solid #E5DCC9;border-bottom:1px solid #E5DCC9;background:#fff}.sch-fact{padding:22px 24px;border-bottom:1px solid #E5DCC9}.sch-fact:last-child{border-bottom:0}.sch-fact dt{font:700 12px/1.4 Inter,sans-serif;letter-spacing:.12em;text-transform:uppercase;color:#7a5f2a;margin-bottom:6px}.sch-fact dd{margin:0;font-size:17px;line-height:1.45;color:#0b1f3a;font-weight:500}@media(min-width:768px){.sch-facts{grid-template-columns:repeat(4,1fr)}.sch-fact{border-bottom:0;border-right:1px solid #E5DCC9}.sch-fact:last-child{border-right:0}}.sch-steps{list-style:none;margin:0;padding:0;counter-reset:s}.sch-step{display:grid;grid-template-columns:56px 1fr;gap:8px 20px;padding:28px 0;border-top:1px solid #E5DCC9}.sch-step:first-child{border-top:2px solid #0B1F3A}.sch-step-n{font:400 32px/1 Fraunces,serif;color:#7a5f2a}.sch-step h3{font:600 19px/1.3 Inter,sans-serif;color:#0b1f3a;margin:0 0 6px}.sch-step p{margin:0;color:#1a3560;font-size:16px;line-height:1.6;max-width:680px}.sch-step .sch-who{display:inline-block;margin-top:10px;font:600 12px/1.4 Inter,sans-serif;letter-spacing:.06em;text-transform:uppercase;color:#7a5f2a}.sch-panel{background:#fff;border:1px solid #E5DCC9;border-top:3px solid #B8924E;border-radius:4px;padding:28px;transition:transform .25s ease,box-shadow .25s ease}.sch-panel:hover{transform:translateY(-3px);box-shadow:0 10px 24px #0b1f3a14}.sch-panel h3{font:400 22px/1.25 Fraunces,serif;color:#0b1f3a;margin:0 0 10px}.sch-panel p,.sch-panel li{color:#1a3560;font-size:15.5px;line-height:1.6;margin:0}.sch-panel ul{margin:0;padding-left:18px;display:grid;gap:6px}.sch-two,.sch-three{display:grid;gap:24px}@media(min-width:768px){.sch-two{grid-template-columns:1fr 1fr;gap:32px}.sch-three{grid-template-columns:repeat(3,1fr)}}.sch-split{display:grid;gap:32px}@media(min-width:900px){.sch-split{grid-template-columns:minmax(0,.8fr) minmax(0,1.4fr);gap:72px}}.sch-tick{list-style:none;margin:0;padding:0;display:grid;gap:14px}.sch-tick li{display:flex;gap:14px;font-size:16px;line-height:1.55;color:#1a3560}.sch-tick li:before{content:"";width:8px;height:8px;margin-top:9px;background:#b8924e;transform:rotate(45deg);flex-shrink:0}.sch-table{width:100%;border-collapse:collapse;background:#fff;font-size:15px}.sch-table th,.sch-table td{text-align:left;vertical-align:top;padding:16px 18px;border-bottom:1px solid #E5DCC9;line-height:1.55;color:#1a3560}.sch-table th{background:#0b1f3a;color:#faf6ef;font:600 13px/1.4 Inter,sans-serif;letter-spacing:.06em;text-transform:uppercase}.sch-table td:first-child{color:#0b1f3a;font-weight:600;width:28%}.sch-table-wrap{overflow-x:auto;border:1px solid #E5DCC9;border-radius:4px}.sch-note{background:#f2eadb;border-left:3px solid #B8924E;padding:16px 20px;font-size:15px;line-height:1.6;color:#0b1f3a;border-radius:0 4px 4px 0}.sch-sample{background:#fff;border:2px dashed #B8924E;border-radius:6px;padding:24px;position:relative}.sch-sample-tag{display:inline-block;background:#0b1f3a;color:#faf6ef;font:700 11px/1 Inter,sans-serif;letter-spacing:.12em;text-transform:uppercase;padding:7px 10px;border-radius:2px;margin-bottom:16px}.sch-bar{height:10px;background:#f2eadb;border-radius:5px;overflow:hidden;margin:6px 0 14px}.sch-bar span{display:block;height:100%;background:#b8924e}.sch-sample-row{display:flex;justify-content:space-between;font-size:14px;color:#0b1f3a;font-weight:600}.sch-cta{background:linear-gradient(180deg,#e8d5b7,#d4b876);width:100%;padding:clamp(48px,6vw,80px) 24px;border-top:1px solid #B8924E}.sch-cta-inner{max-width:1100px;margin:0 auto;display:flex;gap:32px;align-items:center;justify-content:space-between}.sch-cta h2{font:400 clamp(28px,3.4vw,40px)/1.15 "Fraunces",serif;color:#0b1f3a;margin:0 0 12px}.sch-cta p{color:#0b1f3a;font-size:17px;line-height:1.55;max-width:600px;margin:0}.sch-cta-actions{display:flex;flex-wrap:wrap;gap:14px;flex-shrink:0}.sch-cta .sch-btn-outline{border-color:#0b1f3a}@media(max-width:800px){.sch-cta-inner{display:block}.sch-cta-actions{margin-top:24px;flex-direction:column}.sch-step{grid-template-columns:40px 1fr}}.sch-faq-item h3{margin:0 0 10px}.sch-faq-q{font-size:18px}@media(prefers-reduced-motion:reduce){.sch-panel,.sch-panel:hover{transition:none;transform:none}}