.hero-wrap{background:var(--color-bg-light);padding:20px 0 0}.hero-banner{position:relative;display:flex;flex-direction:column;justify-content:space-between;min-height:520px;border-radius:12px;overflow:hidden;background-image:url(/images/banner.webp);background-size:cover;background-position:50%;background-repeat:no-repeat}.hero-banner-overlay{position:absolute;inset:0;background:linear-gradient(105deg,rgba(0,4,34,.5),rgba(0,4,34,.25) 45%,rgba(0,4,34,.1));pointer-events:none}.hero-banner-body{position:relative;z-index:1;flex:1 1;display:flex;align-items:flex-start;padding:50px 40px 24px}.hero-content{max-width:560px}.hero-content h1{font-size:clamp(2rem,4vw,2.5rem);line-height:1.2;margin:0 0 1.25rem;color:#ffffff}.hero-content p{font-size:1.0625rem;font-weight:300;color:rgba(255,255,255,.9);margin:0 0 1.75rem;line-height:1.65}.hero-nav{position:relative;z-index:1;display:grid;grid-template-columns:repeat(4,1fr);align-items:stretch;margin:0 20px 20px;border-radius:12px;overflow:hidden}.hero-nav-item{display:flex;flex-direction:column;align-items:center;justify-content:center;gap:.35rem;padding:1rem .75rem 1.1rem;background:rgba(255,255,255,.6);backdrop-filter:blur(8px);-webkit-backdrop-filter:blur(8px);text-align:center;transition:background .2s;color:var(--color-navy)}.hero-nav-item:hover{background:rgba(255,255,255,.9);color:var(--color-link)}.hero-nav-item.first{border-top-left-radius:12px;border-bottom-left-radius:12px}.hero-nav-item.last{border-top-right-radius:12px;border-bottom-right-radius:12px}.hero-nav-icon{width:auto;height:72px;object-fit:contain}.hero-nav-item span{font-size:1.125rem;font-weight:600;line-height:1.2}@media (max-width:921px){.hero-banner{min-height:480px}.hero-banner-body{padding:36px 24px 20px}.hero-nav{margin:0 12px 12px;grid-template-columns:repeat(2,1fr);border-radius:12px}.hero-nav-icon{height:56px}.hero-nav-item span{font-size:1rem}}@media (max-width:544px){.hero-content p 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5rem;background:var(--color-white)}.expert-tips .section-title-center,.page-section.expert-tips .section-title-center{margin-bottom:2.5rem;color:var(--color-navy)}.expert-tips .post-grid,.page-section.expert-tips .post-grid{align-items:stretch;gap:2rem}.expert-tips .post-card,.page-section.expert-tips .post-card{margin:0;padding:0 0 1.35rem;overflow:hidden;background:var(--color-white);border:1px solid var(--color-input-border);border-radius:10px;box-shadow:0 4px 20px rgba(0,4,34,.06);transition:transform .35s cubic-bezier(.22,1,.36,1),box-shadow .35s ease,border-color .35s ease}.expert-tips .post-card:hover,.page-section.expert-tips .post-card:hover{transform:translateY(-4px);border-color:rgba(0,90,159,.25);box-shadow:0 14px 36px rgba(0,90,159,.12)}.expert-tips .post-card>a:first-of-type,.page-section.expert-tips .post-card>a:first-of-type{display:block;overflow:hidden;line-height:0;background:var(--color-bg-light)}.expert-tips .post-card-image,.page-section.expert-tips 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.65rem}.testimonials-quote{margin:0;font-size:.9375rem;font-weight:400;font-style:italic;line-height:1.55;color:var(--color-navy)}.testimonials-quote em{font-style:italic}.testimonials-disclaimer{max-width:720px;margin:2.5rem auto 0;padding:0 24px;text-align:center;font-size:.8125rem;font-weight:400;font-style:normal;color:var(--color-navy);line-height:1.5}@media (max-width:921px){.covered-inner,.why-inner{grid-template-columns:1fr}.testimonials-cards{position:static;display:flex;flex-direction:column;gap:1.25rem;min-height:0;padding:0 16px}.testimonials-card,.testimonials-card--1,.testimonials-card--2,.testimonials-card--3{position:static;left:auto;right:auto;width:100%;max-width:none;margin-left:0;margin-right:0}}