.htum-page *,
.htum-page *::before,
.htum-page *::after{box-sizing:border-box;margin:0;padding:0}.htum-page{--h-ink:#0e2828;--h-ink-soft:#1a3a3a;--h-ink-dark:#091818;--h-gold:#c5a059;--h-gold-light:#f5e6c8;--h-gold-pale:#fdf8f0;--h-gold-dim:rgba(197,160,89,0.15);--h-gold-border:rgba(197,160,89,0.28);--h-gold-glow:rgba(197,160,89,0.20);--h-teal:#004D40;--h-teal-mid:#00695C;--h-teal-light:#E0F2F1;--h-white:#fff;--h-off-white:#f8fafc;--h-lgray:#f1f5f9;--h-mgray:#e2e8f0;--h-dgray:#64748b;--h-text:#1e293b;--h-radius:8px;--h-radius-lg:16px;--h-radius-xl:24px;--h-shadow:0 4px 24px rgba(14,40,40,0.08), 0 1px 4px rgba(14,40,40,0.04);--h-shadow-lg:0 12px 48px rgba(14,40,40,0.14), 0 4px 16px rgba(14,40,40,0.06);--h-shadow-gold:0 8px 32px rgba(197,160,89,0.20);--h-font-display:'EBGaramond', Georgia, 'Times New Roman', serif;--h-font-label:'Cinzel', Georgia, serif;--h-font-body:'Inter', system-ui, -apple-system, sans-serif;--h-ease:cubic-bezier(0.16, 1, 0.3, 1);--h-ease-back:cubic-bezier(0.34, 1.56, 0.64, 1);--h-pattern:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='80' height='80' viewBox='0 0 80 80'%3E%3Cg fill='none' stroke='%23c5a059' stroke-width='0.45' opacity='1'%3E%3Cpolygon points='40,5 48,30 75,30 54,47 62,72 40,56 18,72 26,47 5,30 32,30'/%3E%3Cpolygon points='40,15 46,30 62,30 50,40 55,57 40,48 25,57 30,40 18,30 34,30'/%3E%3Ccircle cx='40' cy='40' r='9' stroke-width='0.3'/%3E%3Cline x1='40' y1='0' x2='40' y2='80' stroke-width='0.2'/%3E%3Cline x1='0' y1='40' x2='80' y2='40' stroke-width='0.2'/%3E%3Cline x1='0' y1='0' x2='80' y2='80' stroke-width='0.15'/%3E%3Cline x1='80' y1='0' x2='0' y2='80' stroke-width='0.15'/%3E%3C/g%3E%3C/svg%3E");font-family:var(--h-font-body);color:var(--h-text);line-height:1.7;overflow-x:hidden;-webkit-font-smoothing:antialiased;direction:ltr;unicode-bidi:normal;font-size:16px}.htum-page .htum-inner{max-width:1000px;margin:0
auto;padding:0
40px}@media (max-width: 768px){.htum-page .htum-inner{padding:0
20px}}@media (max-width: 480px){.htum-page .htum-inner{padding:0
16px}}.htum-page .htum-hero{background:var(--h-ink-dark);border-radius:var(--h-radius-xl);padding:88px
60px;text-align:center;position:relative;overflow:hidden;margin-bottom:72px;border:1px
solid rgba(197,160,89,0.12);box-shadow:0 32px 80px rgba(0,0,0,0.22), inset 0 1px 0 rgba(197,160,89,0.08)}.htum-page .htum-hero-pattern{position:absolute;inset:0;background-image:var(--h-pattern);background-size:80px 80px;opacity:0.035;pointer-events:none}.htum-page .htum-hero::before{content:'';position:absolute;top:-150px;left:50%;transform:translateX(-50%);width:680px;height:680px;border-radius:50%;border:1px
solid rgba(197,160,89,0.08);pointer-events:none;animation:htum-ring-pulse 8s ease-in-out infinite}.htum-page .htum-hero::after{content:'';position:absolute;top:-80px;left:50%;transform:translateX(-50%);width:440px;height:440px;border-radius:50%;border:1px
solid rgba(197,160,89,0.06);pointer-events:none;animation:htum-ring-pulse 8s ease-in-out 1s infinite}@keyframes htum-ring-pulse{0%,100%{opacity:0.6;transform:translateX(-50%) scale(1)}50%{opacity:1;transform:translateX(-50%) scale(1.01)}}.htum-page .htum-hero-glow{position:absolute;inset:0;background:radial-gradient(ellipse 80% 55% at 50% -5%, rgba(197,160,89,0.16) 0%, transparent 65%),
radial-gradient(ellipse 50% 40% at 85% 80%, rgba(0,105,92,0.12) 0%, transparent 60%),
radial-gradient(ellipse 35% 30% at 10% 60%, rgba(197,160,89,0.06) 0%, transparent 55%);pointer-events:none}.htum-page .htum-hero-bar{position:absolute;bottom:0;left:0;right:0;height:3px;background:linear-gradient(90deg, transparent, var(--h-gold), transparent);pointer-events:none}.htum-page .htum-hero-mandala{position:absolute;top:50%;left:50%;width:clamp(300px, 60vw, 560px);height:clamp(300px, 60vw, 560px);transform:translate(-50%, -50%);opacity:0.03;pointer-events:none;animation:htum-spin 90s linear infinite}@keyframes htum-spin{to{transform:translate(-50%, -50%) rotate(360deg)}}.htum-page .htum-hero-eyebrow{display:inline-flex;align-items:center;gap:14px;font-family:var(--h-font-label);font-size:clamp(10px, 1.4vw, 12px);font-weight:400;letter-spacing:0.24em;text-transform:uppercase;color:var(--h-gold);margin-bottom:30px;position:relative;z-index:1;animation:htum-fadeUp 0.6s var(--h-ease) 0.1s both}.htum-page .htum-hero-eyebrow::before,
.htum-page .htum-hero-eyebrow::after{content:'';width:clamp(24px, 4vw, 36px);height:1px;background:linear-gradient(90deg, transparent, var(--h-gold));opacity:0.6}.htum-page .htum-hero-eyebrow::after{background:linear-gradient(90deg, var(--h-gold), transparent)}.htum-page .htum-hero-eyebrow .h-gem{display:inline-block;width:5px;height:5px;background:var(--h-gold);transform:rotate(45deg);opacity:0.8;flex-shrink:0}.htum-page .htum-hero-title{font-family:var(--h-font-display);font-size:clamp(2.5rem, 5.5vw, 4rem);font-weight:700;color:var(--h-white);line-height:1.08;margin-bottom:18px;position:relative;z-index:1;letter-spacing:-0.012em;animation:htum-fadeUp 0.7s var(--h-ease) 0.2s both}.htum-page .htum-hero-title
em{font-style:italic;color:var(--h-gold)}.htum-page .htum-hero-sub{font-size:clamp(1rem, 2vw, 1.1rem);font-weight:400;color:rgba(255,255,255,0.58);max-width:540px;margin:0
auto 44px;line-height:1.78;position:relative;z-index:1;animation:htum-fadeUp 0.7s var(--h-ease) 0.3s both}.htum-page .htum-hero-badges{display:flex;justify-content:center;gap:10px;flex-wrap:wrap;position:relative;z-index:1;animation:htum-fadeUp 0.7s var(--h-ease) 0.4s both}.htum-page .htum-badge{display:inline-flex;align-items:center;gap:8px;font-family:var(--h-font-label);font-size:clamp(9px, 1.3vw, 11px);font-weight:400;letter-spacing:0.1em;text-transform:uppercase;padding:7px
18px;border-radius:100px;border:1px
solid rgba(197,160,89,0.30);color:rgba(255,255,255,0.72);background:rgba(255,255,255,0.04);transition:border-color 0.25s ease, background 0.25s ease, transform 0.25s var(--h-ease)}.htum-page .htum-badge:hover{border-color:rgba(197,160,89,0.60);background:rgba(197,160,89,0.08);transform:translateY(-1px)}.htum-page .htum-badge-dot{width:5px;height:5px;border-radius:50%;background:var(--h-gold);flex-shrink:0;box-shadow:0 0 0 3px rgba(197,160,89,0.20)}.htum-page .htum-section-label{display:flex;align-items:center;gap:16px;margin-bottom:32px}.htum-page .htum-section-label-line{flex:1;height:1px;background:linear-gradient(90deg, transparent, rgba(197,160,89,0.45), transparent)}.htum-page .htum-section-label-text{font-family:var(--h-font-label);font-size:clamp(9px, 1.3vw, 11px);font-weight:400;letter-spacing:0.22em;text-transform:uppercase;color:var(--h-gold);white-space:nowrap}.htum-page .htum-section-title{font-family:var(--h-font-display);font-size:clamp(1.75rem, 3.2vw, 2.4rem);font-weight:700;color:var(--h-ink-soft);line-height:1.18;margin-bottom:12px;letter-spacing:-0.01em}.htum-page .htum-section-sub{font-size:clamp(0.96rem, 2vw, 1.05rem);color:var(--h-dgray);line-height:1.74;max-width:600px;margin-bottom:40px}.htum-page .htum-pack-section{margin-bottom:72px;background:linear-gradient(155deg, #fdf8f0 0%, #f9f4eb 50%, #f3f9f8 100%);border:1px
solid rgba(197,160,89,0.18);border-radius:var(--h-radius-xl);padding:56px
48px;position:relative;overflow:hidden}.htum-page .htum-pack-section::before{content:'';position:absolute;top:-40px;right:-40px;width:200px;height:200px;background:radial-gradient(circle, rgba(197,160,89,0.10), transparent 70%);pointer-events:none}.htum-page .htum-pack-section::after{content:'';position:absolute;inset:0;background-image:var(--h-pattern);background-size:80px 80px;opacity:0.025;pointer-events:none}.htum-page .htum-pack-grid{display:grid;grid-template-columns:repeat(auto-fit, minmax(220px, 1fr));gap:16px;position:relative;z-index:1}.htum-page .htum-pack-card{background:var(--h-white);border:1px
solid rgba(226,232,240,0.8);border-top:3px solid var(--h-gold);border-radius:var(--h-radius-lg);padding:28px
26px;transition:box-shadow 0.38s var(--h-ease), transform 0.38s var(--h-ease), border-color 0.25s ease;position:relative;overflow:hidden}.htum-page .htum-pack-card::after{content:'';position:absolute;top:-60%;left:-70%;width:40%;height:200%;background:linear-gradient(105deg, transparent 30%, rgba(255,255,255,0.25) 50%, transparent 70%);transform:skewX(-15deg);transition:left 0.65s var(--h-ease);pointer-events:none}.htum-page .htum-pack-card:hover::after{left:130%}.htum-page .htum-pack-card:hover{box-shadow:var(--h-shadow), var(--h-shadow-gold);transform:translateY(-5px);border-color:rgba(197,160,89,0.30)}.htum-page .htum-pack-icon{font-size:2rem;margin-bottom:18px;display:block;filter:drop-shadow(0 2px 4px rgba(0,0,0,0.08))}.htum-page .htum-pack-name{font-family:var(--h-font-display);font-size:clamp(1.05rem, 2vw, 1.15rem);font-weight:700;color:var(--h-ink-soft);margin-bottom:9px;line-height:1.3}.htum-page .htum-pack-desc{font-size:clamp(0.88rem, 1.7vw, 0.94rem);color:var(--h-dgray);line-height:1.62}.htum-page .htum-pack-tag{display:inline-block;margin-top:16px;font-family:var(--h-font-label);font-size:clamp(8.5px, 1.2vw, 10px);font-weight:400;letter-spacing:0.14em;text-transform:uppercase;padding:4px
12px;border-radius:100px;background:rgba(197,160,89,0.10);color:#7a5c1a;border:1px
solid rgba(197,160,89,0.24)}.htum-page .htum-steps-section{margin-bottom:72px}.htum-page .htum-timeline{position:relative}.htum-page .htum-timeline::before{content:'';position:absolute;left:36px;top:52px;bottom:52px;width:2px;background:linear-gradient(180deg,
var(--h-gold) 0%,
rgba(197,160,89,0.35) 65%,
transparent 100%
)}.htum-page .htum-step{display:grid;grid-template-columns:72px 1fr;gap:0 28px;margin-bottom:8px;position:relative}.htum-page .htum-step:last-child{margin-bottom:0}.htum-page .htum-step-node{display:flex;flex-direction:column;align-items:center;padding-top:22px;position:relative;z-index:1}.htum-page .htum-step-circle{width:54px;height:54px;border-radius:50%;display:flex;align-items:center;justify-content:center;flex-shrink:0;font-family:var(--h-font-display);font-weight:700;font-size:1.05rem;background:var(--h-white);border:2px
solid var(--h-gold);color:var(--h-ink-soft);box-shadow:0 0 0 6px var(--h-gold-dim);transition:all 0.38s var(--h-ease)}.htum-page .htum-step:hover .htum-step-circle{background:var(--h-gold);color:var(--h-white);box-shadow:0 0 0 8px var(--h-gold-dim);transform:scale(1.08)}.htum-page .htum-step-card{background:var(--h-white);border:1px
solid var(--h-mgray);border-radius:var(--h-radius-lg);padding:32px
36px;margin-bottom:20px;transition:box-shadow 0.38s var(--h-ease), border-color 0.25s ease, transform 0.38s var(--h-ease);position:relative;overflow:hidden}.htum-page .htum-step-card::before{content:'';position:absolute;left:0;top:14px;bottom:14px;width:3px;border-radius:0 3px 3px 0;background:linear-gradient(180deg, var(--h-gold), rgba(197,160,89,0.4));opacity:0;transition:opacity 0.3s ease}.htum-page .htum-step:hover .htum-step-card{box-shadow:var(--h-shadow);border-color:var(--h-gold-border);transform:translateX(4px)}.htum-page .htum-step:hover .htum-step-card::before{opacity:1}.htum-page .htum-step-card::after{content:'';position:absolute;bottom:14px;right:16px;width:40px;height:40px;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 48 48'%3E%3Cg fill='none' stroke='%23c5a059' stroke-width='0.9'%3E%3Cpolygon points='24,3 45,14 45,34 24,45 3,34 3,14'/%3E%3Cpolygon points='24,10 38,17 38,31 24,38 10,31 10,17'/%3E%3Ccircle cx='24' cy='24' r='7'/%3E%3C/g%3E%3C/svg%3E");background-size:contain;background-repeat:no-repeat;opacity:0.04;pointer-events:none;transition:opacity 0.35s ease}.htum-page .htum-step:hover .htum-step-card::after{opacity:0.10}.htum-page .htum-step-tag-row{display:flex;align-items:center;gap:12px;margin-bottom:14px}.htum-page .htum-step-label{font-family:var(--h-font-label);font-size:clamp(9px, 1.3vw, 11px);font-weight:400;letter-spacing:0.18em;text-transform:uppercase;color:var(--h-gold)}.htum-page .htum-step-chip{font-family:var(--h-font-label);font-size:clamp(8.5px, 1.2vw, 10px);font-weight:400;letter-spacing:0.10em;text-transform:uppercase;padding:3px
10px;border-radius:100px;background:var(--h-lgray);color:var(--h-dgray)}.htum-page .htum-step-title{font-family:var(--h-font-display);font-size:clamp(1.2rem, 2.5vw, 1.45rem);font-weight:700;color:var(--h-ink-soft);margin-bottom:16px;line-height:1.28}.htum-page .htum-step-body{font-size:clamp(0.92rem, 1.8vw, 1rem);color:var(--h-dgray);line-height:1.74}.htum-page .htum-step-body
strong{color:var(--h-ink-soft);font-weight:600}.htum-page .htum-layers-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:20px}.htum-page .htum-layer-pill{display:flex;align-items:flex-start;gap:11px;padding:14px
16px;border-radius:var(--h-radius);background:var(--h-off-white);border:1px
solid var(--h-mgray);transition:border-color 0.22s ease, background 0.22s ease, transform 0.22s var(--h-ease)}.htum-page .htum-layer-pill:hover{border-color:var(--h-gold-border);background:var(--h-gold-pale);transform:translateY(-2px)}.htum-page .htum-layer-dot{width:8px;height:8px;border-radius:50%;flex-shrink:0;margin-top:5px}.htum-page .htum-layer-dot-imtf{background:var(--h-gold);box-shadow:0 0 0 3px rgba(197,160,89,0.15)}.htum-page .htum-layer-dot-imvf{background:#1A6B72;box-shadow:0 0 0 3px rgba(26,107,114,0.12)}.htum-page .htum-layer-dot-impf{background:#2A6496;box-shadow:0 0 0 3px rgba(42,100,150,0.12)}.htum-page .htum-layer-dot-aibf{background:#7B5EA7;box-shadow:0 0 0 3px rgba(123,94,167,0.12)}.htum-page .htum-layer-name{font-size:clamp(0.84rem, 1.7vw, 0.92rem);font-weight:600;color:var(--h-ink-soft);line-height:1.3}.htum-page .htum-layer-desc{font-size:clamp(0.78rem, 1.5vw, 0.84rem);color:var(--h-dgray);margin-top:3px;line-height:1.48}.htum-page .htum-step-actions{display:flex;gap:12px;margin-top:22px;flex-wrap:wrap}.htum-page .htum-btn{display:inline-flex;align-items:center;gap:8px;padding:12px
24px;border-radius:var(--h-radius);font-family:var(--h-font-label);font-size:clamp(9.5px, 1.3vw, 11px);font-weight:700;letter-spacing:0.14em;text-transform:uppercase;text-decoration:none;transition:all 0.28s var(--h-ease)}.htum-page .htum-btn-primary{background:var(--h-ink-soft);color:var(--h-white) !important;box-shadow:0 2px 10px rgba(26,58,58,0.18)}.htum-page .htum-btn-primary:hover{background:#2a5a5a;transform:translateY(-2px);box-shadow:0 6px 20px rgba(26,58,58,0.22)}.htum-page .htum-btn-outline{background:transparent;color:var(--h-ink-soft) !important;border:1.5px solid var(--h-ink-soft)}.htum-page .htum-btn-outline:hover{background:var(--h-ink-soft);color:var(--h-white) !important;transform:translateY(-2px)}.htum-page .htum-btn-gold{background:var(--h-gold);color:var(--h-ink-soft) !important;box-shadow:0 2px 12px rgba(197,160,89,0.28)}.htum-page .htum-btn-gold:hover{background:#d4b06a;transform:translateY(-2px);box-shadow:0 6px 22px rgba(197,160,89,0.38)}.htum-page .htum-layers-section{margin-bottom:72px}.htum-page .htum-layers-deep{display:grid;grid-template-columns:repeat(2, 1fr);gap:20px}.htum-page .htum-layer-card{border-radius:var(--h-radius-xl);padding:34px
30px;position:relative;overflow:hidden;transition:transform 0.38s var(--h-ease), box-shadow 0.38s var(--h-ease)}.htum-page .htum-layer-card:hover{transform:translateY(-6px);box-shadow:var(--h-shadow-lg)}.htum-page .htum-layer-card::after{content:'';position:absolute;bottom:18px;right:22px;width:6px;height:6px;border-radius:50%;opacity:0.30}.htum-page .htum-layer-card::before{content:'';position:absolute;top:-60%;left:-70%;width:40%;height:200%;background:linear-gradient(105deg, transparent 30%, rgba(255,255,255,0.18) 50%, transparent 70%);transform:skewX(-15deg);transition:left 0.7s var(--h-ease);pointer-events:none}.htum-page .htum-layer-card:hover::before{left:130%}.htum-page .htum-layer-card--imtf{background:linear-gradient(145deg, #FDF6E3 0%, #fffbf0 100%);border:1px
solid rgba(197,160,89,0.22);border-top:3px solid var(--h-gold)}.htum-page .htum-layer-card--imtf::after{background:var(--h-gold)}.htum-page .htum-layer-card--imvf{background:linear-gradient(145deg, #E0F2F1 0%, #eef9f8 100%);border:1px
solid rgba(26,107,114,0.14);border-top:3px solid #1A6B72}.htum-page .htum-layer-card--imvf::after{background:#1A6B72}.htum-page .htum-layer-card--impf{background:linear-gradient(145deg, #EAF2FB 0%, #eef5ff 100%);border:1px
solid rgba(42,100,150,0.14);border-top:3px solid #2A6496}.htum-page .htum-layer-card--impf::after{background:#2A6496}.htum-page .htum-layer-card--aibf{background:linear-gradient(145deg, #F3EEF9 0%, #f6f1ff 100%);border:1px
solid rgba(123,94,167,0.14);border-top:3px solid #7B5EA7}.htum-page .htum-layer-card--aibf::after{background:#7B5EA7}.htum-page .htum-layer-acronym{font-family:var(--h-font-display);font-size:clamp(2rem, 4vw, 2.5rem);font-weight:700;line-height:1;margin-bottom:6px;letter-spacing:-0.01em}.htum-page .htum-layer-card--imtf .htum-layer-acronym{color:var(--h-gold)}.htum-page .htum-layer-card--imvf .htum-layer-acronym{color:#1A6B72}.htum-page .htum-layer-card--impf .htum-layer-acronym{color:#2A6496}.htum-page .htum-layer-card--aibf .htum-layer-acronym{color:#7B5EA7}.htum-page .htum-layer-full-name{font-family:var(--h-font-label);font-size:clamp(8.5px, 1.2vw, 10px);font-weight:400;letter-spacing:0.08em;text-transform:uppercase;color:var(--h-dgray);margin-bottom:18px}.htum-page .htum-layer-meaning{font-family:var(--h-font-display);font-size:clamp(1rem, 2vw, 1.1rem);font-weight:700;color:var(--h-ink-soft);margin-bottom:12px;font-style:italic;line-height:1.4}.htum-page .htum-layer-explanation{font-size:clamp(0.88rem, 1.7vw, 0.94rem);color:var(--h-dgray);line-height:1.68}.htum-page .htum-layer-question{font-size:clamp(0.82rem, 1.6vw, 0.88rem);font-weight:600;color:var(--h-ink-soft);margin-top:16px;padding-top:16px;border-top:1px solid rgba(0,0,0,0.07);line-height:1.52}.htum-page .htum-excel-section{margin-bottom:72px}.htum-page .htum-excel-card{background:linear-gradient(135deg, var(--h-ink-dark) 0%, #0a1f1f 100%);border-radius:var(--h-radius-xl);padding:56px
60px;position:relative;overflow:hidden;border:1px
solid rgba(197,160,89,0.12);box-shadow:0 24px 64px rgba(0,0,0,0.20), inset 0 1px 0 rgba(197,160,89,0.08)}.htum-page .htum-excel-card .htum-excel-pattern{position:absolute;inset:0;background-image:var(--h-pattern);background-size:80px 80px;opacity:0.035;pointer-events:none}.htum-page .htum-excel-card .htum-excel-glow-tr{position:absolute;top:-90px;right:-90px;width:300px;height:300px;background:radial-gradient(circle, rgba(197,160,89,0.15) 0%, transparent 65%);border-radius:50%;pointer-events:none}.htum-page .htum-excel-card>.htum-excel-topbar{position:absolute;top:0;left:0;right:0;height:2px;background:linear-gradient(90deg, transparent, var(--h-gold), transparent)}.htum-page .htum-excel-card .htum-excel-watermark{position:absolute;right:28px;bottom:-24px;font-family:var(--h-font-label);font-size:clamp(4rem, 10vw, 7.5rem);font-weight:700;color:rgba(255,255,255,0.022);pointer-events:none;user-select:none;line-height:1;letter-spacing:0.08em;text-transform:uppercase}.htum-page .htum-excel-title{font-family:var(--h-font-display);font-size:clamp(1.6rem, 3vw, 2rem);font-weight:700;color:var(--h-white);margin-bottom:12px;position:relative;z-index:1}.htum-page .htum-excel-sub{font-size:clamp(0.92rem, 1.8vw, 1rem);color:rgba(255,255,255,0.52);margin-bottom:36px;line-height:1.68;max-width:580px;position:relative;z-index:1}.htum-page .htum-tabs-grid{display:grid;grid-template-columns:repeat(auto-fit, minmax(210px, 1fr));gap:14px;position:relative;z-index:1}.htum-page .htum-tab-card{background:rgba(255,255,255,0.04);border:1px
solid rgba(197,160,89,0.20);border-radius:var(--h-radius-lg);padding:22px
24px;transition:background 0.25s ease, border-color 0.25s ease, transform 0.25s var(--h-ease)}.htum-page .htum-tab-card:hover{background:rgba(255,255,255,0.08);border-color:rgba(197,160,89,0.42);transform:translateY(-3px)}.htum-page .htum-tab-name{font-family:monospace;font-size:clamp(0.88rem, 1.6vw, 0.95rem);font-weight:700;color:var(--h-gold);margin-bottom:10px;letter-spacing:0.04em}.htum-page .htum-tab-desc{font-size:clamp(0.86rem, 1.6vw, 0.92rem);color:rgba(255,255,255,0.54);line-height:1.60}.htum-page .htum-tab-action{font-family:var(--h-font-label);font-size:clamp(8.5px, 1.2vw, 10px);font-weight:400;color:rgba(197,160,89,0.68);margin-top:12px;display:block;letter-spacing:0.06em;text-transform:uppercase}.htum-page .htum-faq-section{margin-bottom:72px}.htum-page .htum-faq-list{border:1px
solid var(--h-mgray);border-radius:var(--h-radius-xl);overflow:hidden;box-shadow:var(--h-shadow)}.htum-page .htum-faq-list
details{border-bottom:1px solid var(--h-mgray);position:relative;transition:background 0.18s ease}.htum-page .htum-faq-list details:last-child{border-bottom:none}.htum-page .htum-faq-list details::after{content:'';position:absolute;bottom:0;left:0;height:2px;width:0;background:linear-gradient(90deg, var(--h-gold), rgba(197,160,89,0.3));transition:width 0.5s var(--h-ease);pointer-events:none}.htum-page .htum-faq-list details[open]::after{width:100%}.htum-page .htum-faq-list
summary{display:flex;align-items:center;justify-content:space-between;gap:20px;padding:22px
30px;font-family:var(--h-font-body);font-size:clamp(0.95rem, 2vw, 1.04rem);font-weight:600;color:var(--h-ink-soft);cursor:pointer;list-style:none;transition:background 0.18s ease, color 0.18s ease;-webkit-tap-highlight-color:transparent}.htum-page .htum-faq-list summary::-webkit-details-marker{display:none}.htum-page .htum-faq-list summary::marker{display:none}.htum-page .htum-faq-list summary:hover{background:var(--h-off-white)}.htum-page .htum-faq-list details[open] summary{background:var(--h-gold-pale);color:var(--h-ink-soft)}.htum-page .htum-faq-list summary::after{content:'';display:block;flex-shrink:0;width:20px;height:20px;background-image:url("data:image/svg+xml,%3Csvg viewBox='0 0 24 24' fill='none' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M12 5v14M5 12h14' stroke='%23c5a059' stroke-width='1.8' stroke-linecap='round'/%3E%3C/svg%3E");background-size:contain;background-repeat:no-repeat;transition:transform 0.4s var(--h-ease-back)}.htum-page .htum-faq-list details[open] summary::after{transform:rotate(45deg)}.htum-page .htum-faq-ans{font-size:clamp(0.92rem, 1.8vw, 1rem);line-height:1.80;color:var(--h-dgray);padding:0
30px 24px}.htum-page .htum-faq-ans
a{color:var(--h-teal);text-decoration:none;font-weight:600;border-bottom:1px solid rgba(0,77,64,0.22);transition:border-color 0.15s ease}.htum-page .htum-faq-ans a:hover{border-color:var(--h-teal)}.htum-page .htum-cta-band{background:linear-gradient(135deg, var(--h-ink-soft) 0%, var(--h-ink-dark) 100%);border-radius:var(--h-radius-xl);padding:64px
60px;text-align:center;position:relative;overflow:hidden;margin-bottom:8px;border:1px
solid rgba(197,160,89,0.12);box-shadow:0 24px 64px rgba(0,0,0,0.18)}.htum-page .htum-cta-band .htum-cta-pattern{position:absolute;inset:0;background-image:var(--h-pattern);background-size:80px 80px;opacity:0.03;pointer-events:none}.htum-page .htum-cta-band::before{content:'';position:absolute;top:-100px;right:-100px;width:360px;height:360px;border-radius:50%;background:radial-gradient(circle, rgba(197,160,89,0.14), transparent 70%);pointer-events:none}.htum-page .htum-cta-band::after{content:'';position:absolute;bottom:-80px;left:-80px;width:280px;height:280px;border-radius:50%;background:radial-gradient(circle, rgba(0,105,92,0.12), transparent 70%);pointer-events:none}.htum-page .htum-cta-band .htum-cta-top-bar{position:absolute;top:0;left:0;right:0;height:2px;background:linear-gradient(90deg, transparent 10%, var(--h-gold) 50%, transparent 90%);pointer-events:none}.htum-page .htum-cta-title{font-family:var(--h-font-display);font-size:clamp(1.7rem, 3.2vw, 2.4rem);font-weight:700;color:var(--h-white);margin-bottom:14px;position:relative;z-index:1}.htum-page .htum-cta-sub{font-size:clamp(0.96rem, 2vw, 1.05rem);color:rgba(255,255,255,0.55);margin-bottom:36px;max-width:480px;margin-left:auto;margin-right:auto;line-height:1.72;position:relative;z-index:1}.htum-page .htum-cta-btns{display:flex;justify-content:center;gap:14px;flex-wrap:wrap;position:relative;z-index:1}.htum-page .htum-ornament-rule{display:flex;align-items:center;justify-content:center;gap:14px;margin:60px
auto 60px;max-width:360px}.htum-page .htum-ornament-rule::before,
.htum-page .htum-ornament-rule::after{content:'';flex:1;height:1px;background:linear-gradient(90deg, transparent, rgba(197,160,89,0.5))}.htum-page .htum-ornament-rule::after{background:linear-gradient(90deg, rgba(197,160,89,0.5), transparent)}.htum-page .htum-ornament-rule
span{display:flex;align-items:center;gap:5px}.htum-page .htum-ornament-rule span
i{display:inline-block;width:5px;height:5px;background:var(--h-gold);transform:rotate(45deg);opacity:0.7}.htum-page .htum-ornament-rule span i:nth-child(2){width:7px;height:7px;opacity:1}@keyframes htum-fadeUp{from{opacity:0;transform:translateY(22px)}to{opacity:1;transform:translateY(0)}}@media (prefers-reduced-motion: reduce){.htum-page *,
.htum-page *::before,
.htum-page *::after{animation-duration:0.01ms !important;transition-duration:0.01ms !important}}@media (max-width: 768px){.htum-page .htum-hero{padding:56px
32px;border-radius:var(--h-radius-lg)}.htum-page .htum-excel-card{padding:40px
32px}.htum-page .htum-cta-band{padding:48px
32px;border-radius:var(--h-radius-lg)}.htum-page .htum-timeline::before{left:27px}.htum-page .htum-step{grid-template-columns:58px 1fr}.htum-page .htum-step-circle{width:44px;height:44px;font-size:0.9rem}.htum-page .htum-step-card{padding:24px
24px}.htum-page .htum-pack-section{padding:44px
32px}.htum-page .htum-layers-deep{gap:14px}}@media (max-width: 600px){.htum-page .htum-inner{padding:0}.htum-page .htum-hero{border-radius:0;padding:52px
20px 44px;margin-bottom:0}.htum-page .htum-pack-section{border-radius:0;border-left:none;border-right:none;padding:36px
20px;margin-bottom:0}.htum-page .htum-steps-section{padding:0
20px;margin-bottom:0}.htum-page .htum-layers-grid{grid-template-columns:1fr}.htum-page .htum-step{grid-template-columns:1fr}.htum-page .htum-step-node{display:none}.htum-page .htum-timeline::before{display:none}.htum-page .htum-step-card{margin-bottom:0;border-radius:0;border-left:none;border-right:none;border-bottom:none}.htum-page .htum-step-card::before{display:none}.htum-page .htum-step:last-child .htum-step-card{border-bottom:1px solid var(--h-mgray)}.htum-page .htum-step:hover .htum-step-card{transform:none}.htum-page .htum-layers-section{padding:0
20px;margin-bottom:0}.htum-page .htum-layers-deep{grid-template-columns:1fr;gap:0}.htum-page .htum-layer-card{border-radius:0;border-left:none;border-right:none;border-bottom:none}.htum-page .htum-layer-card:last-child{border-bottom:1px solid rgba(0,0,0,0.08)}.htum-page .htum-layer-card:hover{transform:none;box-shadow:none}.htum-page .htum-excel-section{padding:0;margin-bottom:0}.htum-page .htum-excel-card{border-radius:0;padding:36px
20px}.htum-page .htum-excel-watermark{display:none}.htum-page .htum-faq-section{padding:0
20px;margin-bottom:0}.htum-page .htum-faq-list{border-radius:0;border-left:none;border-right:none;box-shadow:none}.htum-page .htum-faq-list
summary{padding:18px
0}.htum-page .htum-faq-ans{padding:0
0 18px}.htum-page .htum-cta-band{border-radius:0;padding:48px
20px;margin-bottom:0}.htum-page .htum-section-label{padding:0}.htum-page .htum-steps-section,
.htum-page .htum-layers-section,
.htum-page .htum-faq-section{padding-top:40px}.htum-page .htum-section-label,
.htum-page .htum-section-title,
.htum-page .htum-section-sub{padding-left:20px;padding-right:20px}.htum-page .htum-ornament-rule{margin:40px
20px}}@media (max-width: 400px){.htum-page .htum-hero-title{font-size:2.1rem}.htum-page .htum-step-card{padding:20px
20px}}.htum-page .htum-btn:focus-visible,
.htum-page .htum-faq-list summary:focus-visible{outline:2px
solid var(--h-gold);outline-offset:3px}