@font-face{font-family:"Instrument Serif";src:url(/fonts/instrument-serif-400.woff2) format("woff2");font-weight:400;font-style:normal;font-display:swap;unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}@font-face{font-family:"Instrument Serif";src:url(/fonts/instrument-serif-400-italic.woff2) format("woff2");font-weight:400;font-style:italic;font-display:swap;unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}@font-face{font-family:Inter;src:url(/fonts/inter-variable.woff2) format("woff2-variations"),url(/fonts/inter-variable.woff2) format("woff2");font-weight:100 900;font-style:normal;font-display:swap;unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}@font-face{font-family:"Instrument Serif";src:url(/fonts/instrument-serif-400-latin-ext.woff2) format("woff2");font-weight:400;font-style:normal;font-display:swap;unicode-range:U+0100-02BA,U+02BD-02C5,U+02C7-02CC,U+02CE-02D7,U+02DD-02FF,U+0304,U+0308,U+0329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF}@font-face{font-family:"Instrument Serif";src:url(/fonts/instrument-serif-400-italic-latin-ext.woff2) format("woff2");font-weight:400;font-style:italic;font-display:swap;unicode-range:U+0100-02BA,U+02BD-02C5,U+02C7-02CC,U+02CE-02D7,U+02DD-02FF,U+0304,U+0308,U+0329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF}@font-face{font-family:Inter;src:url(/fonts/inter-variable-latin-ext.woff2) format("woff2-variations"),url(/fonts/inter-variable-latin-ext.woff2) format("woff2");font-weight:100 900;font-style:normal;font-display:swap;unicode-range:U+0100-02BA,U+02BD-02C5,U+02C7-02CC,U+02CE-02D7,U+02DD-02FF,U+0304,U+0308,U+0329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF}@font-face{font-family:Inter;src:url(/fonts/inter-variable-cyrillic.woff2) format("woff2-variations"),url(/fonts/inter-variable-cyrillic.woff2) format("woff2");font-weight:100 900;font-style:normal;font-display:swap;unicode-range:U+0301,U+0400-045F,U+0490-0491,U+04B0-04B1,U+2116}@font-face{font-family:Inter;src:url(/fonts/inter-variable-cyrillic-ext.woff2) format("woff2-variations"),url(/fonts/inter-variable-cyrillic-ext.woff2) format("woff2");font-weight:100 900;font-style:normal;font-display:swap;unicode-range:U+0460-052F,U+1C80-1C8A,U+20B4,U+2DE0-2DFF,U+A640-A69F,U+FE2E-FE2F}:root{--navy-950: #06152a;--navy-900: #0b2342;--navy-800: #12325b;--navy-700: #1f4e79;--navy-100: #e5edf5;--gold-200: #efe2c0;--gold-300: #e3cf9c;--gold-400: #d4b674;--gold-500: #c5a15a;--gold-700: #876728;--red-600: #a6192e;--ivory: #fbf8f2;--stone-50: #f6f1e7;--stone-100: #efe7da;--stone-200: #e2d7c4;--ink: #0e1a2b;--ink-soft: #4b5667;--white: #ffffff;--wa: #1faa59;--wa-deep: #168a47;--bg: var(--ivory);--surface: var(--white);--line: rgb(14 26 43 / .12);--line-strong: rgb(14 26 43 / .22);--brand: var(--navy-900);--accent: var(--gold-700);--accent-deco: var(--gold-500);--accent-ink: var(--gold-700);--on-dark: #f4efe4;--on-dark-soft: rgb(244 239 228 / .74);--font-display: "Instrument Serif", "Iowan Old Style", "Palatino Linotype", Palatino, Georgia, serif;--font-body: "Inter", "Helvetica Neue", Helvetica, Arial, system-ui, sans-serif;--step--2: clamp(.72rem, .7rem + .1vw, .78rem);--step--1: clamp(.84rem, .81rem + .15vw, .93rem);--step-0: clamp(1rem, .96rem + .2vw, 1.1rem);--step-1: clamp(1.18rem, 1.1rem + .4vw, 1.42rem);--step-2: clamp(1.6rem, 1.38rem + 1vw, 2.3rem);--step-3: clamp(2.15rem, 1.7rem + 2.1vw, 3.6rem);--step-4: clamp(2.7rem, 1.9rem + 4vw, 5.6rem);--step-5: clamp(3.1rem, 2rem + 5.6vw, 7.4rem);--measure: 64ch;--content: 78rem;--gutter: clamp(1rem, 4vw, 2.75rem);--space-1: .5rem;--space-2: 1rem;--space-3: 1.5rem;--space-4: 2.5rem;--space-5: 4.5rem;--space-6: 7rem;--section-y: clamp(4.5rem, 9vw, 8.5rem);--radius-sm: 10px;--radius: 18px;--radius-lg: 28px;--radius-pill: 999px;--shadow-sm: 0 1px 2px rgb(6 21 42 / .06), 0 4px 14px -6px rgb(6 21 42 / .12);--shadow: 0 2px 6px rgb(6 21 42 / .05), 0 22px 48px -18px rgb(6 21 42 / .28);--shadow-lg: 0 40px 90px -30px rgb(6 21 42 / .5);--ease: cubic-bezier(.2, .7, .2, 1);--header-h: 4.75rem}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:calc(var(--header-h) + 1rem);-webkit-text-size-adjust:100%}body{margin:0;background:var(--bg);color:var(--ink);font-family:var(--font-body);font-size:var(--step-0);line-height:1.65;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;text-rendering:optimizeLegibility;overflow-x:clip}h1,h2,h3,h4{margin:0 0 var(--space-2);text-wrap:balance;color:var(--brand)}h1,h2,.display{font-family:var(--font-display);font-weight:400;letter-spacing:-.012em;line-height:1.02}h1{font-size:var(--step-4)}h2{font-size:var(--step-3)}h3{font-family:var(--font-body);font-size:var(--step-1);font-weight:650;letter-spacing:-.01em;line-height:1.25}h1 em,h2 em,.display 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1rem;border-radius:var(--radius-sm);font-weight:650;text-decoration:none}.skip-link:focus{top:1rem}.visually-hidden{position:absolute!important;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap;border:0}.wrap{width:100%;max-width:var(--content);margin-inline:auto;padding-inline:var(--gutter)}.section{padding-block:var(--section-y);position:relative}.section--tight{padding-block:clamp(3rem,6vw,5rem)}.section--flush-top{padding-top:0}.section--stone{background:var(--stone-50)}.section--navy{background:radial-gradient(60rem 30rem at 85% -10%,rgb(197 161 90 / .16),transparent 60%),radial-gradient(40rem 24rem at -10% 110%,rgb(31 78 121 / .55),transparent 65%),var(--navy-900);color:var(--on-dark)}.section--navy h1,.section--navy h2,.section--navy h3{color:var(--on-dark)}.section--navy h1 em,.section--navy h2 em{color:var(--gold-300)}.section--navy p{color:var(--on-dark-soft)}.section--navy a:not(.btn){color:var(--gold-300)}.section--navy .note{color:var(--on-dark-soft)}.section--navy .eyebrow{color:var(--gold-300)}.section--navy .eyebrow:before{background:var(--gold-400)}.section--navy .card{color:var(--ink)}.section--navy .card p{color:var(--ink-soft)}.section--navy .card h2,.section--navy .card h3{color:var(--brand)}.section--navy .card a:not(.btn){color:var(--navy-700)}.section--navy .card .eyebrow{color:var(--accent-ink)}.grid{display:grid;gap:clamp(1rem,2vw,1.75rem)}.grid--2{grid-template-columns:repeat(auto-fit,minmax(min(100%,21rem),1fr))}.grid--3{grid-template-columns:repeat(auto-fit,minmax(min(100%,16.5rem),1fr))}.grid--4{grid-template-columns:repeat(auto-fit,minmax(min(100%,13.5rem),1fr))}.grid>*,.split>*{min-width:0}.split{display:grid;gap:clamp(2rem,5vw,5rem);grid-template-columns:repeat(auto-fit,minmax(min(100%,24rem),1fr));align-items:center}.split--reverse>.split-media{order:-1}@media(max-width:760px){.split--reverse>.split-media{order:0}}.split-media{position:relative;isolation:isolate}.split-media img{width:100%;aspect-ratio:4 / 5;object-fit:cover;border-radius:var(--radius-lg);box-shadow:var(--shadow)}.split-media--wide img{aspect-ratio:4 / 3}.split-media:after{content:"";position:absolute;inset:1.25rem -1.25rem -1.25rem 1.25rem;border:1px solid rgb(197 161 90 / .55);border-radius:var(--radius-lg);z-index:-1}@media(max-width:760px){.split-media:after{inset:.75rem -.75rem -.75rem .75rem}}.section-head{margin-bottom:clamp(2rem,4vw,3.25rem)}.section-head--center{text-align:center}.section-head--center .eyebrow{justify-content:center}.section-head--center p{margin-inline:auto}.section-head--split{display:flex;flex-wrap:wrap;align-items:end;justify-content:space-between;gap:var(--space-3)}.section-head--split>div{max-width:46rem}.eyebrow{font-family:var(--font-body);font-size:var(--step--2);text-transform:uppercase;letter-spacing:.2em;font-weight:650;color:var(--accent-ink);margin:0 0 var(--space-2);display:flex;align-items:center;gap:.75rem;max-width:none}.eyebrow:before{content:"";width:1.75rem;height:1px;background:currentColor;flex:none}.lede{font-size:var(--step-1);color:var(--ink-soft);max-width:48ch;line-height:1.5}.section--navy .lede{color:var(--on-dark-soft)}.note{font-size:var(--step--1);color:var(--ink-soft)}.kicker-num{font-family:var(--font-display);font-size:var(--step-2);color:var(--accent);line-height:1}.btn{--btn-bg: var(--navy-900);--btn-fg: var(--on-dark);display:inline-flex;align-items:center;justify-content:center;gap:.55rem;padding:.95rem 1.55rem;border-radius:var(--radius-pill);font-family:var(--font-body);font-weight:600;font-size:var(--step--1);letter-spacing:.01em;line-height:1.1;text-decoration:none;border:1px solid transparent;background:var(--btn-bg);color:var(--btn-fg);cursor:pointer;transition:transform .25s var(--ease),background-color .2s ease,color .2s ease,border-color .2s ease,box-shadow .25s var(--ease);white-space:nowrap}.btn:hover{transform:translateY(-2px);color:var(--btn-fg);box-shadow:0 14px 30px -14px #06152a8c}.btn:active{transform:translateY(0)}@media(max-width:480px){main .btn{white-space:normal;text-align:center}}.btn svg{width:1.05em;height:1.05em;flex:none}.btn .arrow{transition:transform .25s var(--ease)}.btn:hover .arrow{transform:translate(3px)}.btn--primary,.btn--gold{--btn-bg: var(--gold-500);--btn-fg: var(--navy-950)}.btn--primary:hover,.btn--gold:hover{--btn-bg: var(--gold-400)}.btn--navy{--btn-bg: var(--navy-900);--btn-fg: var(--on-dark)}.btn--navy:hover{--btn-bg: var(--navy-800)}.btn--outline{--btn-bg: transparent;--btn-fg: var(--ink);border-color:var(--line-strong)}.btn--outline:hover{--btn-fg: var(--navy-950);border-color:var(--navy-900);box-shadow:none}.section--navy .btn--outline,.on-dark .btn--outline{--btn-fg: var(--on-dark);border-color:#f4efe459}.section--navy .btn--outline:hover,.on-dark .btn--outline:hover{--btn-fg: #fff;border-color:#fff}.btn--glass{--btn-bg: rgb(255 255 255 / .1);--btn-fg: #fff;border-color:#ffffff52;backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px)}.btn--glass:hover{--btn-bg: rgb(255 255 255 / .2)}.btn--wa{--btn-bg: var(--wa);--btn-fg: #fff}.btn--wa:hover{--btn-bg: var(--wa-deep)}.btn--sm{padding:.62rem 1.1rem}.btn--lg{padding:1.1rem 1.9rem;font-size:var(--step-0)}.btn--block{width:100%}.link-arrow{display:inline-flex;align-items:center;gap:.45rem;font-weight:600;text-decoration:none;color:var(--navy-700);background:linear-gradient(currentColor,currentColor) 0 100% / 0 1px no-repeat;transition:background-size .3s var(--ease),color .2s ease;padding-bottom:2px}.link-arrow:hover{background-size:100% 1px;color:var(--accent-ink)}.link-arrow svg{width:1em;height:1em;transition:transform .25s var(--ease)}.link-arrow:hover svg{transform:translate(3px)}.section--navy .link-arrow{color:var(--gold-300)}.btn-row{display:flex;flex-wrap:wrap;gap:.75rem;margin-top:var(--space-3);max-width:none}.card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow-sm);overflow:hidden;position:relative}.card--pad{padding:clamp(1.4rem,2.6vw,2.1rem)}.card--lift{transition:transform .35s var(--ease),box-shadow .35s var(--ease),border-color .3s ease}.card--lift:hover{transform:translateY(-5px);box-shadow:var(--shadow);border-color:#c5a15a80}.card--ivory{background:var(--ivory)}.card--gold-top{border-top:3px solid var(--gold-500)}.glass{background:#ffffff1a;border:1px solid rgb(255 255 255 / .22);backdrop-filter:blur(16px) saturate(140%);-webkit-backdrop-filter:blur(16px) saturate(140%);border-radius:var(--radius);color:#fff}.chip{display:inline-flex;align-items:center;gap:.4rem;padding:.32rem .75rem;border-radius:var(--radius-pill);font-size:var(--step--2);font-weight:650;letter-spacing:.08em;text-transform:uppercase;background:var(--stone-100);color:var(--ink-soft);line-height:1.2}.chip--gold{background:#c5a15a29;color:var(--gold-700)}.chip--navy{background:var(--navy-100);color:var(--navy-800)}.chip--dark{background:#ffffff1f;color:var(--on-dark)}.check-list{list-style:none;margin:0;padding:0;display:grid;gap:.7rem}.check-list li{position:relative;padding-left:1.9rem;line-height:1.5}.check-list li:before{content:"";position:absolute;left:0;top:.18em;width:1.2rem;height:1.2rem;border-radius:50%;background:#c5a15a2e url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23876728' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12.5l4.5 4.5L19 7.5'/%3E%3C/svg%3E") center / .72rem no-repeat}.table-scroll{overflow-x:auto;-webkit-overflow-scrolling:touch}.table-card{padding:clamp(.5rem,1.5vw,1rem) clamp(.5rem,2vw,1.5rem)}.total-row td{font-weight:700;color:var(--brand);border-top:2px solid var(--navy-900);border-bottom:0}.stat{font-family:var(--font-display);font-size:var(--step-4);line-height:.95;color:var(--brand);font-variant-numeric:lining-nums tabular-nums;margin:0;letter-spacing:-.02em}.stat small{font-size:.45em;letter-spacing:0}.section--navy .stat{color:var(--gold-300)}.stat-label{font-size:var(--step--1);color:var(--ink-soft);line-height:1.45;margin:.6rem 0 0}.section--navy .stat-label{color:var(--on-dark-soft)}.fin-highlight{background:linear-gradient(transparent 55%,#c5a15a59 55%);color:var(--brand);font-weight:700;padding:0 .1em;-webkit-box-decoration-break:clone;box-decoration-break:clone}.section--navy .fin-highlight{color:#fff;background:linear-gradient(transparent 55%,#c5a15a73 55%)}.faq-list{max-width:52rem;border-top:1px solid var(--line-strong)}.faq{border-bottom:1px solid var(--line-strong)}.faq summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:1.5rem;padding:1.35rem .25rem;font-weight:600;font-size:var(--step-0);color:var(--brand);transition:color .2s ease}.faq summary::-webkit-details-marker{display:none}.faq summary:after{content:"";flex:none;width:2.1rem;height:2.1rem;border-radius:50%;border:1px solid var(--line-strong);background:linear-gradient(var(--navy-900),var(--navy-900)) center / .8rem 1.5px no-repeat,linear-gradient(var(--navy-900),var(--navy-900)) center / 1.5px .8rem no-repeat;transition:transform .35s var(--ease),background-color .25s ease,border-color .25s ease}.faq summary:hover{color:var(--accent-ink)}.faq[open] summary:after{transform:rotate(135deg);background-color:var(--gold-300);border-color:var(--gold-300)}.faq p{margin:0 0 1.5rem;padding-right:3.5rem;color:var(--ink-soft)}.faq[open] p{animation:faq-in .4s var(--ease)}@keyframes faq-in{0%{opacity:0;transform:translateY(-6px)}to{opacity:1;transform:none}}html.js [data-reveal]{opacity:0;transform:translateY(28px);transition:opacity .9s var(--ease),transform .9s var(--ease);transition-delay:var(--d, 0ms)}html.js [data-reveal=fade]{transform:none}html.js [data-reveal=scale]{transform:scale(.96)}html.js [data-reveal].is-in{opacity:1;transform:none}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{animation-duration:.01ms!important;animation-iteration-count:1!important;transition-duration:.01ms!important;transition-delay:0ms!important}html.js [data-reveal]{opacity:1;transform:none}}:root{--bhms-blue: var(--navy-900);--bhms-blue-light: var(--navy-700);--bhms-blue-deep: var(--navy-950);--bhms-blue-pale: var(--stone-100);--bhms-red: var(--red-600);--bhms-red-deep: #8a1526;--brand-light: var(--navy-700);--fin: rgb(197 161 90 / .18);--dark: var(--navy-900);--accent-hover: var(--gold-400)}.section--dark{background:radial-gradient(60rem 30rem at 85% -10%,rgb(197 161 90 / .16),transparent 60%),radial-gradient(40rem 24rem at -10% 110%,rgb(31 78 121 / .55),transparent 65%),var(--navy-900);color:var(--on-dark)}.section--dark h1,.section--dark h2,.section--dark h3{color:var(--on-dark)}.section--dark h1 em,.section--dark h2 em{color:var(--gold-300)}.section--dark p{color:var(--on-dark-soft)}.section--dark a:not(.btn){color:var(--gold-300)}.section--dark .note,.section--dark .lede{color:var(--on-dark-soft)}.section--dark .eyebrow,.section--dark .stat{color:var(--gold-300)}.section--dark .stat-label{color:var(--on-dark-soft);opacity:1}.section--dark .card{color:var(--ink)}.section--dark .card p{color:var(--ink-soft)}.section--dark .card h2,.section--dark .card h3{color:var(--brand)}.section--dark .card a:not(.btn){color:var(--navy-700)}.section--dark .card .eyebrow{color:var(--accent-ink)}.section--dark .card .stat,.section--navy .card 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