.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:#ffffff;--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, 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(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 rgb(197 160 89 / .12);box-shadow:0 32px 80px rgb(0 0 0 / .22),inset 0 1px 0 rgb(197 160 89 / .08)}.htum-page .htum-hero-pattern{position:absolute;inset:0;background-image:var(--h-pattern);background-size:80px 80px;opacity:.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 rgb(197 160 89 / .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 rgb(197 160 89 / .06);pointer-events:none;animation:htum-ring-pulse 8s ease-in-out 1s infinite}@keyframes htum-ring-pulse{0%,100%{opacity:.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%,rgb(197 160 89 / .16) 0%,transparent 65%),radial-gradient(ellipse 50% 40% at 85% 80%,rgb(0 105 92 / .12) 0%,transparent 60%),radial-gradient(ellipse 35% 30% at 10% 60%,rgb(197 160 89 / .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:.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:.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:.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:.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:-.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:rgb(255 255 255 / .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:.1em;text-transform:uppercase;padding:7px 18px;border-radius:100px;border:1px solid rgb(197 160 89 / .3);color:rgb(255 255 255 / .72);background:rgb(255 255 255 / .04);transition:border-color 0.25s ease,background 0.25s ease,transform 0.25s var(--h-ease)}.htum-page .htum-badge:hover{border-color:rgb(197 160 89 / .6);background:rgb(197 160 89 / .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 rgb(197 160 89 / .2)}.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,rgb(197 160 89 / .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:.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:-.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 rgb(197 160 89 / .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,rgb(197 160 89 / .1),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:.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 rgb(226 232 240 / .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%,rgb(255 255 255 / .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:rgb(197 160 89 / .3)}.htum-page .htum-pack-icon{font-size:2rem;margin-bottom:18px;display:block;filter:drop-shadow(0 2px 4px rgb(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:.14em;text-transform:uppercase;padding:4px 12px;border-radius:100px;background:rgb(197 160 89 / .1);color:#7a5c1a;border:1px solid rgb(197 160 89 / .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%,rgb(197 160 89 / .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),rgb(197 160 89 / .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' 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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 rgb(197 160 89 / .15)}.htum-page .htum-layer-dot-imvf{background:#1A6B72;box-shadow:0 0 0 3px rgb(26 107 114 / .12)}.htum-page .htum-layer-dot-impf{background:#2A6496;box-shadow:0 0 0 3px rgb(42 100 150 / .12)}.htum-page .htum-layer-dot-aibf{background:#7B5EA7;box-shadow:0 0 0 3px rgb(123 94 167 / .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:.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 rgb(26 58 58 / .18)}.htum-page .htum-btn-primary:hover{background:#2a5a5a;transform:translateY(-2px);box-shadow:0 6px 20px rgb(26 58 58 / .22)}.htum-page .htum-btn-outline{background:#fff0;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 rgb(197 160 89 / .28)}.htum-page .htum-btn-gold:hover{background:#d4b06a;transform:translateY(-2px);box-shadow:0 6px 22px rgb(197 160 89 / .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:.3}.htum-page .htum-layer-card::before{content:'';position:absolute;top:-60%;left:-70%;width:40%;height:200%;background:linear-gradient(105deg,transparent 30%,rgb(255 255 255 / .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 rgb(197 160 89 / .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 rgb(26 107 114 / .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 rgb(42 100 150 / .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 rgb(123 94 167 / .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:-.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:.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 rgb(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 rgb(197 160 89 / .12);box-shadow:0 24px 64px rgb(0 0 0 / .2),inset 0 1px 0 rgb(197 160 89 / .08)}.htum-page .htum-excel-card .htum-excel-pattern{position:absolute;inset:0;background-image:var(--h-pattern);background-size:80px 80px;opacity:.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,rgb(197 160 89 / .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:rgb(255 255 255 / .022);pointer-events:none;user-select:none;line-height:1;letter-spacing:.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:rgb(255 255 255 / .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:rgb(255 255 255 / .04);border:1px solid rgb(197 160 89 / .2);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:rgb(255 255 255 / .08);border-color:rgb(197 160 89 / .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:.04em}.htum-page .htum-tab-desc{font-size:clamp(0.86rem, 1.6vw, 0.92rem);color:rgb(255 255 255 / .54);line-height:1.6}.htum-page .htum-tab-action{font-family:var(--h-font-label);font-size:clamp(8.5px, 1.2vw, 10px);font-weight:400;color:rgb(197 160 89 / .68);margin-top:12px;display:block;letter-spacing:.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),rgb(197 160 89 / .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:#fff0}.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' 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