:root{--navy:#0B1F3A;--navy-mid:#132B50;--blue:#1A4A7A;--blue-mid:#2C5F8E;--blue-light:#E8F0F8;--blue-pale:#F0F5FA;--copper:#A66F4A;--copper-light:#C08A62;--white:#FFFFFF;--off-white:#F7F9FB;--text-dark:#0B1F3A;--text-mid:#3A5068;--text-light:#6B8299;--border:#D6E2EE;--font-display:'Cormorant Garamond', Georgia, serif;--font-body:'DM Sans', sans-serif;--success:#2E7D52;--warning:#8B4513;--suspended:#6B4C3B}*,*::before,*::after{margin:0;padding:0;box-sizing:border-box}html{scroll-behavior:smooth}body{background:var(--white);color:var(--text-dark);font-family:var(--font-body);font-size:16px;line-height:1.65;overflow-x:hidden;width:100%}html{scroll-behavior:smooth}body{background:var(--white);color:var(--text-dark);font-family:var(--font-body);font-size:16px;line-height:1.65;overflow-x:hidden;width:100%}h1{font-family:var(--font-display);font-size:clamp(2.4rem,4vw,3.8rem);font-weight:300;line-height:1.15}h2{font-family:var(--font-display);font-size:clamp(1.8rem,3vw,2.6rem);font-weight:300;line-height:1.2}h3{font-family:var(--font-display);font-size:1.45rem;font-weight:400;line-height:1.3}h4{font-family:var(--font-display);font-size:1.15rem;font-weight:400}p{font-size:15px;color:var(--text-mid);line-height:1.75}em{font-style:italic;color:var(--copper)}strong{font-weight:600;color:var(--text-dark)}.container{max-width:1200px;margin:0 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5%}.section-label{display:inline-flex;align-items:center;gap:10px;font-size:10px;font-weight:700;letter-spacing:.2em;text-transform:uppercase;color:var(--blue);margin-bottom:12px}.section-label::before{content:'';display:block;width:24px;height:1px;background:var(--blue)}.lbl-light{color:var(--copper-light)}.lbl-light::before{background:var(--copper-light)}.section-title{margin-bottom:14px}.section-intro{font-size:15px;color:var(--text-mid);max-width:620px;margin-bottom:52px;line-height:1.75}.hero{min-height:86vh;display:flex;align-items:center;padding:100px 0 80px;position:relative;overflow:hidden;background:var(--navy);width:100%}.hero::before{content:'';position:absolute;inset:0;background-image:var(--photo-hero);background-size:cover;background-position:50% 40%;filter:brightness(.28)saturate(.5);z-index:0}.hero::after{content:'';position:absolute;inset:0;background:linear-gradient(110deg,rgba(11,31,58,.97) 0%,rgba(11,31,58,.78) 54%,rgba(26,74,122,.3) 100%);z-index:1}.hero-inner{position:relative;z-index:2;max-width:1200px;margin:0 auto;width:100%;padding:0 5%}.breadcrumb{display:flex;align-items:center;gap:8px;flex-wrap:wrap;font-size:11px;font-weight:500;letter-spacing:.12em;text-transform:uppercase;color:rgba(255,255,255,.38);margin-bottom:28px}.breadcrumb a{color:rgba(255,255,255,.38);text-decoration:none;transition:color .2s}.breadcrumb a:hover{color:var(--copper-light)}.breadcrumb span{color:var(--copper-light)}.hero-eyebrow{display:inline-flex;align-items:center;gap:10px;font-size:11px;font-weight:600;letter-spacing:.2em;text-transform:uppercase;color:var(--copper-light);margin-bottom:24px}.hero-eyebrow::before{content:'';display:block;width:28px;height:1px;background:var(--copper)}.hero h1{color:var(--white);margin-bottom:24px;max-width:860px}.hero-sub{font-size:17px;font-weight:300;color:rgba(255,255,255,.8);max-width:660px;margin-bottom:40px;line-height:1.75}.hero-stats{display:flex;gap:40px;flex-wrap:wrap;margin-bottom:44px;padding-top:8px}.hero-stat{display:flex;flex-direction:column}.hero-stat-val{font-family:var(--font-display);font-size:2.2rem;font-weight:300;color:var(--white);line-height:1}.hero-stat-val em{color:var(--copper-light)}.hero-stat-lbl{font-size:11px;font-weight:500;letter-spacing:.12em;text-transform:uppercase;color:rgba(255,255,255,.5);margin-top:6px}.hero-divider{width:1px;height:48px;background:rgba(255,255,255,.15);align-self:center}.two-col{display:grid;grid-template-columns:1fr 1fr;gap:72px;align-items:start}.two-col-text p{margin-bottom:18px}.two-col-text p:last-child{margin-bottom:0}.two-col-aside{display:flex;flex-direction:column;gap:16px}.aside-card{background:var(--blue-pale);border:1px solid var(--border);border-left:4px solid var(--copper);padding:24px 28px;border-radius:6px}.aside-card h4{margin-bottom:8px;font-size:1rem}.aside-card p{font-size:13px;line-height:1.65}.cards-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:24px}.card{background:var(--white);border:1px solid var(--border);border-top:3px solid var(--blue);padding:36px 32px;border-radius:8px;transition:box-shadow .25s,border-color .25s}.card:hover{border-top-color:var(--copper);box-shadow:0 8px 24px rgba(26,74,122,.1)}.card-icon{font-size:1.5rem;margin-bottom:14px;display:block}.card h3{margin-bottom:10px}.card p{font-size:14px;line-height:1.7}.specialty-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:20px}.specialty-card{background:var(--white);border:1px solid var(--border);border-radius:8px;padding:28px;text-decoration:none;display:block;transition:box-shadow .25s,border-color .25s}.specialty-card:hover{box-shadow:0 8px 24px rgba(26,74,122,.1);border-color:var(--copper)}.specialty-tag{display:inline-block;padding:4px 10px;background:rgba(166,111,74,.1);border:1px solid rgba(166,111,74,.25);border-radius:3px;font-size:10px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--copper);margin-bottom:12px}.specialty-card h4{color:var(--text-dark);margin-bottom:8px;font-size:1.1rem}.specialty-card p{font-size:13px;color:var(--text-light);line-height:1.6;margin-bottom:14px}.specialty-arrow{display:inline-flex;align-items:center;gap:6px;font-size:11px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--blue)}.team-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:28px}.team-card{background:var(--white);border:1px solid var(--border);border-radius:10px;padding:36px}.team-avatar{width:64px;height:64px;border-radius:50%;background:var(--blue);display:flex;align-items:center;justify-content:center;margin-bottom:20px}.team-avatar span{font-family:var(--font-display);font-size:1.5rem;font-weight:300;color:var(--white);font-style:italic}.team-card h3{margin-bottom:4px}.team-role{font-size:11px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--copper);margin-bottom:14px;display:block}.team-card p{font-size:14px;line-height:1.7}.img-break{position:relative;width:100%;min-height:360px;display:flex;align-items:center;overflow:hidden;background:var(--navy)}.img-break::before{content:'';position:absolute;inset:0;background-size:cover;background-position:50%;background-attachment:fixed;z-index:0}.img-break-1::before{background-image:var(--photo-img-break-1);filter:brightness(.25)saturate(.55)}.img-break-1::after{content:'';position:absolute;inset:0;background:linear-gradient(105deg,rgba(11,31,58,.94) 0%,rgba(11,31,58,.68) 55%,rgba(26,74,122,.3) 100%);z-index:1}.img-break-inner{position:relative;z-index:2;max-width:1200px;margin:0 auto;padding:72px 5%;width:100%}.break-quote{font-family:var(--font-display);font-size:clamp(1.5rem,2.6vw,2.1rem);font-weight:300;font-style:italic;color:var(--white);line-height:1.5;max-width:820px;margin-bottom:20px}.break-attr{font-size:11px;font-weight:600;letter-spacing:.18em;text-transform:uppercase;color:var(--copper-light)}.audit-section{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-mid) 60%,var(--blue) 100%);padding:96px 0;position:relative;overflow:hidden}.audit-section::before{content:'';position:absolute;top:-40%;right:-10%;width:600px;height:600px;border-radius:50%;background:radial-gradient(circle,rgba(166,111,74,8%) 0%,transparent 70%);pointer-events:none}.audit-inner{max-width:760px;position:relative;z-index:1}.audit-section h2{color:var(--white);margin-bottom:20px}.audit-section h2 em{color:var(--copper-light)}.audit-section p{color:rgba(255,255,255,.72);font-size:16px;margin-bottom:36px;max-width:580px}.hero-cta{display:flex;gap:14px;flex-wrap:wrap}.trust-row{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:20px}.trust-cell{border:1px solid var(--border);border-radius:6px;padding:18px 20px;text-align:center;background:var(--white)}.trust-num{font-family:var(--font-display);font-size:1.9rem;font-weight:300;color:var(--navy);line-height:1;margin-bottom:4px}.trust-lbl{font-size:11px;color:var(--text-light);text-transform:uppercase;letter-spacing:.1em;font-weight:600;line-height:1.4}.why-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;padding:64px 0 20px}.why-card{border:1px solid var(--border);border-top:3px solid var(--blue);border-radius:8px;padding:28px 26px}.why-card h3{margin-bottom:8px}.why-card p{font-size:13.5px}.assess-section{padding:40px 0 100px}.assess-panel{border:1px solid var(--border);border-radius:10px;padding:44px;background:var(--blue-pale);box-shadow:0 4px 24px rgba(11,31,58,6%)}.assess-panel h2{margin-bottom:10px}.assess-panel .assess-sub{font-size:14px;margin-bottom:28px;max-width:620px}#vflo-form-container{min-height:320px}.roles-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:24px}.role-card{background:var(--white);border:1px solid var(--border);border-radius:10px;overflow:hidden;transition:box-shadow .25s,transform .25s}.role-card:hover{box-shadow:0 12px 32px rgba(11,31,58,.1);transform:translateY(-3px)}.role-card-header{padding:28px 28px 24px;background:var(--navy);position:relative;overflow:hidden}.role-card-header::after{content:'';position:absolute;bottom:-20px;right:-20px;width:100px;height:100px;border-radius:50%;background:rgba(255,255,255,3%)}.role-num{font-family:var(--font-display);font-size:3.5rem;font-weight:300;color:rgba(255,255,255,8%);line-height:1;position:absolute;top:12px;right:20px}.role-tag{display:inline-block;padding:4px 10px;background:rgba(166,111,74,.2);border:1px solid 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rgba(26,74,122,.12)}.process-num{display:inline-flex;align-items:center;justify-content:center;width:46px;height:46px;background:var(--blue);color:var(--white);border-radius:50%;font-family:var(--font-display);font-size:1.5rem;font-weight:300;margin-bottom:16px}.process-card h4{margin-bottom:10px}.process-card p{font-size:13.5px;line-height:1.7}.req-grid{display:grid;grid-template-columns:1fr 1fr;gap:28px}.req-block{background:var(--white);border:1px solid var(--border);border-radius:8px;overflow:hidden}.req-block-hd{padding:20px 28px;display:flex;align-items:center;gap:12px}.req-block-hd.green{background:#eef7f2;border-bottom:1px solid #c8e6d3}.req-block-hd.red{background:#fbf0ec;border-bottom:1px solid #edd5c8}.req-block-hd h4{font-size:1rem;margin:0}.req-block-hd.green h4{color:var(--success)}.req-block-hd.red h4{color:var(--warning)}.req-icon{width:32px;height:32px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:14px;font-weight:700;flex-shrink:0}.req-icon.green{background:var(--success);color:#fff}.req-icon.red{background:var(--warning);color:#fff}.req-list{list-style:none;padding:20px 28px}.req-list li{font-size:14px;color:var(--text-mid);padding:10px 0;border-bottom:1px solid var(--border);display:flex;align-items:flex-start;gap:10px;line-height:1.5}.req-list li:last-child{border-bottom:none}.req-list li::before{content:'✓';color:var(--success);font-weight:700;flex-shrink:0;margin-top:1px}.req-list.deny li::before{content:'✕';color:var(--warning)}.matrix-wrapper{overflow-x:auto;border-radius:8px;border:1px solid var(--border);box-shadow:0 2px 12px rgba(11,31,58,6%)}.matrix-table{width:100%;border-collapse:collapse;font-size:14px}.matrix-table thead tr{background:var(--navy)}.matrix-table thead th{color:var(--white);font-size:11px;font-weight:600;letter-spacing:.12em;text-transform:uppercase;padding:18px 22px;text-align:left;white-space:nowrap}.matrix-table tbody tr{border-bottom:1px solid var(--border);transition:background .15s}.matrix-table tbody tr:last-child{border-bottom:none}.matrix-table tbody tr:hover{background:var(--blue-pale)}.matrix-table tbody tr.hl{background:linear-gradient(90deg,rgba(166,111,74,6%) 0%,transparent 100%)}.matrix-table tbody tr.hl td:first-child{border-left:3px solid var(--copper)}.matrix-table td{padding:18px 22px;color:var(--text-mid);vertical-align:top}.matrix-table td:first-child{font-family:var(--font-display);font-size:1rem;font-weight:600;color:var(--text-dark)}.badge{display:inline-block;padding:4px 10px;border-radius:20px;font-size:11px;font-weight:600}.badge-copper{background:rgba(166,111,74,.12);color:var(--copper);border:1px solid rgba(166,111,74,.25)}.badge-green{background:rgba(46,125,82,.1);color:var(--success);border:1px solid rgba(46,125,82,.2)}.img-break-2::before{background-image:var(--photo-img-break-2);filter:brightness(.25)saturate(.5)}.img-break-2::after{content:'';position:absolute;inset:0;background:linear-gradient(90deg,rgba(11,31,58,.5) 0%,rgba(11,31,58,.85) 100%);z-index:1}.break-cta-layout{display:grid;grid-template-columns:1fr auto;gap:40px;align-items:center}.break-cta-title{font-family:var(--font-display);font-size:clamp(1.6rem,2.8vw,2.2rem);font-weight:300;color:var(--white);line-height:1.25;margin-bottom:12px}.break-cta-title em{color:var(--copper-light)}.break-cta-sub{font-size:15px;color:rgba(255,255,255,.65);max-width:540px;line-height:1.7}.break-cta-btns{display:flex;flex-direction:column;gap:12px;flex-shrink:0}.audit-points{display:flex;flex-direction:column;gap:12px;margin-bottom:44px}.audit-point{display:flex;align-items:center;gap:12px;font-size:14px;color:rgba(255,255,255,.78)}.audit-point::before{content:'';width:6px;height:6px;border-radius:50%;background:var(--copper-light);flex-shrink:0}.faq-wrap{max-width:860px;margin:0 auto}.faq-item{background:var(--white);border:1px solid var(--border);border-radius:8px;margin-bottom:14px;overflow:hidden;transition:box-shadow .25s}.faq-item:hover{box-shadow:0 4px 12px rgba(26,74,122,.1)}.faq-q{padding:20px 24px;cursor:pointer;display:flex;justify-content:space-between;align-items:center;font-weight:500;font-size:14.5px;color:var(--text-dark);user-select:none;transition:background .2s}.faq-q:hover{background:var(--blue-pale)}.faq-toggle{width:24px;height:24px;display:flex;align-items:center;justify-content:center;background:var(--blue);color:var(--white);border-radius:50%;font-size:18px;font-weight:300;flex-shrink:0;margin-left:16px;transition:transform .2s,background .2s}.faq-item.open .faq-toggle{transform:rotate(45deg);background:var(--copper)}.faq-a{max-height:0;overflow:hidden;transition:max-height .35s ease;background:var(--blue-pale)}.faq-item.open .faq-a{max-height:600px}.faq-a p{padding:20px 24px;margin:0;font-size:14px;line-height:1.75}.related-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:20px}.related-card{background:var(--white);border:1px solid var(--border);border-radius:8px;padding:28px 28px 24px;text-decoration:none;transition:box-shadow .25s,border-color .25s;display:block}.related-card:hover{box-shadow:0 6px 20px rgba(26,74,122,.1);border-color:var(--copper)}.related-label{font-size:10px;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:var(--copper);margin-bottom:8px}.related-card h4{font-size:1.1rem;color:var(--text-dark);margin-bottom:8px}.related-card p{font-size:13px;color:var(--text-light);line-height:1.6}.related-arrow{display:inline-flex;align-items:center;gap:6px;font-size:11px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--blue);margin-top:16px}.author-bar{border:1px solid var(--border);border-radius:8px;padding:32px 36px;display:grid;grid-template-columns:auto 1fr auto;gap:28px;align-items:center;background:var(--blue-pale)}.author-avatar{width:68px;height:68px;border-radius:50%;background:var(--blue);display:flex;align-items:center;justify-content:center;flex-shrink:0}.author-avatar span{font-family:var(--font-display);font-size:1.6rem;font-weight:300;color:var(--white);font-style:italic}.notice-bar{background:var(--blue-pale);border-bottom:1px solid var(--border);padding:14px 0}.notice-bar .container{display:flex;align-items:flex-start;gap:12px}.notice-label{font-size:11px;font-weight:700;letter-spacing:.15em;text-transform:uppercase;color:var(--blue);white-space:nowrap;padding-top:2px;flex-shrink:0}.notice-text{font-size:13.5px;color:var(--text-mid);margin:0;line-height:1.6}.role-tag.ok{background:rgba(46,125,82,.2);border-color:rgba(46,125,82,.35);color:#6fcf97}.btn-outline{background:0 0;border:2px solid var(--copper);color:var(--copper)}.btn-outline:hover{background:var(--copper);color:var(--white)}.bridge-panel{border:1px solid var(--border);border-left:4px solid var(--copper);background:var(--blue-pale);border-radius:8px;padding:32px 36px;margin-bottom:40px}.bridge-panel h2{margin-bottom:12px}.bridge-panel p{margin-bottom:16px}.tier-row{display:flex;gap:12px;flex-wrap:wrap;margin:20px 0 24px}.tier{background:var(--white);border:1px solid var(--border);border-radius:6px;padding:12px 18px;text-align:center;flex:1;min-width:110px}.tier .n{font-family:var(--font-display);font-size:1.6rem;color:var(--navy);line-height:1}.tier .l{font-size:10.5px;color:var(--text-light);text-transform:uppercase;letter-spacing:.06em;margin-top:4px}.split-note{display:flex;gap:24px;flex-wrap:wrap;margin-top:4px}.split-card{flex:1;min-width:220px;border:1px solid var(--border);border-radius:6px;padding:18px 20px}.split-card h3{font-size:1.05rem;margin-bottom:6px}.split-card p{font-size:13.5px;margin-bottom:0}.corp-note{border:1px solid var(--border);border-radius:8px;padding:28px 32px}.corp-note h2{margin-bottom:10px}.corp-note p{margin-bottom:18px}.btn-row{display:flex;gap:14px;flex-wrap:wrap;margin-top:8px}.role-card-header.accent{background:linear-gradient(105deg,var(--navy-mid) 0%,var(--blue) 100%)}.gss-section{background:linear-gradient(105deg,var(--navy-mid) 0%,var(--blue) 100%);padding:64px 0;width:100%}.gss-grid{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}.gss-card{border-radius:6px;padding:20px 24px}.gss-card.standard{background:rgba(255,255,255,7%);border:1px solid rgba(255,255,255,.12);border-left:3px solid rgba(255,255,255,.3)}.gss-card.fast{background:rgba(166,111,74,.15);border:1px solid rgba(166,111,74,.3);border-left:3px solid var(--copper-light)}.gss-card.note{background:rgba(255,255,255,4%);border:1px solid rgba(255,255,255,.1)}.button{display:inline-flex;align-items:center;gap:10px;padding:16px 34px;background:var(--copper);color:var(--white);text-decoration:none;border-radius:6px;font-family:var(--font-body);font-size:13px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;border:none;cursor:pointer;transition:background .25s,transform 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p{font-size:13px;line-height:1.65}.flow-arrow{display:none}.badge-amber{background:rgba(139,69,19,.1);color:var(--warning);border:1px solid rgba(139,69,19,.2)}.check{color:var(--success);font-weight:700}.dash{color:var(--text-light)}p,li{font-size:15px;color:var(--text-mid);line-height:1.8;margin-bottom:14px}a{color:var(--blue)}ul{padding-left:22px;margin-bottom:14px}.legal-hero{background:var(--navy);padding:90px 0 56px}.legal-hero .container{max-width:780px;margin:0 auto;padding:0 5%}.legal-hero h1{color:var(--white);margin-bottom:10px}.legal-hero .eff-date{font-size:13px;color:rgba(255,255,255,.6)}.legal-body{max-width:780px;margin:0 auto;padding:56px 5% 100px}.legal-body .container{max-width:780px;margin:0 auto}.role-reqs a{color:var(--blue);text-decoration:none;font-weight:600;display:flex;align-items:flex-start;gap:8px;line-height:1.5}.role-reqs a:hover{color:var(--copper)}.badge-warn{background:rgba(139,69,19,.1);color:var(--warning);border:1px solid 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