.hoq .hero{position:relative;padding:64px 0 48px;background:var(--linen);border-top:4px solid var(--logoRed);overflow:hidden}.hoq .hero:before{content:"";position:absolute;inset:0;background:radial-gradient(ellipse 620px 380px at 100% 16%,rgba(189,213,231,.2),transparent 62%);pointer-events:none}.hoq .hero-inner{position:relative;display:flex;align-items:flex-start;justify-content:space-between;gap:48px;flex-wrap:wrap}.hoq .hero-main{max-width:640px}.hoq .hero .eyebrow{display:block;margin-bottom:16px}.hoq .hero-sub{margin-top:18px;font-size:19px;line-height:1.55;color:var(--ink);max-width:60ch}.hoq .hero-altlink{margin-top:8px;flex-shrink:0;display:inline-flex;align-items:center;gap:9px;font:600 14px/1.4 var(--sans);color:var(--slate);border:1px solid var(--border);border-radius:8px;background:rgba(255,255,255,.5);padding:14px 18px;max-width:290px;transition:border-color .15s,color .15s}.hoq .hero-altlink:hover{color:var(--logoRed);border-color:var(--steel)}.hoq .hero-altlink .arrow{transition:transform .15s}.hoq .hero-altlink:hover .arrow{transform:translateX(3px)}.hoq .trust{background:var(--steel);border-top:1px solid var(--border);border-bottom:1px solid var(--border)}.hoq .trust-inner{justify-content:space-between;gap:24px;padding:24px 0}.hoq .tfact,.hoq .trust-inner{display:flex;align-items:center}.hoq .tfact{gap:11px;flex:1;min-width:0}.hoq .tfact .tic{width:32px;height:32px;border-radius:50%;background:var(--linen);border:1px solid var(--slate);display:flex;align-items:center;justify-content:center;flex-shrink:0}.hoq .tfact .tic svg{width:16px;height:16px;stroke:var(--slate);stroke-width:1.8;fill:none;stroke-linecap:round;stroke-linejoin:round}.hoq .tfact .ttxt{font:600 14px/1.3 var(--sans);color:var(--slate)}.hoq .tfact.warm .ttxt{color:var(--logoRed)}.hoq .tfact.warm .tic{border-color:var(--logoRed)}.hoq .tfact.warm .tic svg{stroke:var(--logoRed)}.hoq .trust .tdiv{width:1px;height:32px;background:rgba(42,74,102,.18);flex-shrink:0}.hoq .stepbar{background:var(--linen);padding:36px 0 0}.hoq .steps{gap:16px;max-width:700px;margin:0 auto}.hoq .step,.hoq .steps{display:flex;align-items:center}.hoq .step{gap:12px;background:none;border:0;padding:0;font-family:var(--sans);text-align:left}.hoq .step .snum{width:30px;height:30px;border-radius:50%;flex-shrink:0;display:flex;align-items:center;justify-content:center;font:700 14px/1 var(--sans);background:var(--soft);color:var(--gray);border:1px solid var(--border);transition:background .2s,color .2s,border-color .2s}.hoq .step .slabel{font:600 14px/1.2 var(--sans);color:var(--gray);transition:color .2s}.hoq .step.active .snum{background:var(--slate);color:#fff;border-color:var(--slate)}.hoq .step.active .slabel{color:var(--slate)}.hoq .step.done .snum{background:var(--logoRed);color:#fff;border-color:var(--logoRed)}.hoq .step.clickable{cursor:pointer}.hoq .step.clickable .slabel{color:var(--slate)}.hoq .step.clickable:hover .slabel{color:var(--logoRed)}.hoq .strack{flex:1;height:2px;background:var(--border);border-radius:2px;position:relative;overflow:hidden}.hoq .strack .sfill{position:absolute;inset:0;width:0;background:var(--logoRed);transition:width .35s ease}.hoq .formsec{padding:40px 0 80px;background:var(--linen)}.hoq .form-wrap{max-width:700px;margin:0 auto}.hoq .steppane{display:none}.hoq .steppane.active{display:block}.hoq .pane-head{margin-bottom:24px}.hoq .pane-head .eyebrow{display:block;margin-bottom:12px}.hoq .pane-head h2{margin-bottom:14px}.hoq .pane-head .ctx,.hoq .pane-head .lead{font:400 16px/1.6 var(--sans);color:var(--ink);max-width:64ch}.hoq .pane-head .ctx{background:var(--steel-10);border-left:2px solid var(--steel);padding:14px 18px;border-radius:0 6px 6px 0}.hoq .opt-cards{display:flex;flex-direction:column;gap:12px;margin-top:8px}.hoq .opt-card{display:flex;align-items:flex-start;gap:16px;border:1px solid var(--border);border-radius:8px;background:var(--linen);padding:18px 20px;cursor:pointer;transition:border-color .15s,background .15s,box-shadow .15s}.hoq .opt-card:hover{border-color:var(--steel);box-shadow:0 2px 8px rgba(33,59,76,.05)}.hoq .opt-card input{position:absolute;opacity:0;width:0;height:0}.hoq .opt-card .oc-ic{width:44px;height:44px;border-radius:9px;background:var(--steel-18);flex-shrink:0;display:flex;align-items:center;justify-content:center;transition:background .15s}.hoq .opt-card .oc-ic svg{width:23px;height:23px;stroke:var(--slate);stroke-width:1.6;fill:none;stroke-linecap:round;stroke-linejoin:round;transition:stroke .15s}.hoq .opt-card .oc-txt{display:flex;flex-direction:column;gap:3px}.hoq .opt-card .oc-txt .oc-l{display:block;font-family:var(--serif);font-weight:600;font-size:18px;line-height:1.25;color:var(--slate)}.hoq .opt-card .oc-txt .oc-h{display:block;font:400 14px/1.5 var(--sans);color:var(--ink)}.hoq .opt-card .oc-check{margin-left:auto;align-self:center;width:22px;height:22px;border-radius:50%;flex-shrink:0;border:1.5px solid var(--border);position:relative;transition:border-color .15s,background .15s}.hoq .opt-card .oc-check:after{content:"";position:absolute;inset:5px;border-radius:50%;background:var(--logoRed);transform:scale(0);transition:transform .15s}.hoq .opt-card.selected{border:2px solid var(--logoRed);background:var(--steel-10);padding:17px 19px}.hoq .opt-card.selected .oc-ic{background:rgba(171,13,14,.1)}.hoq .opt-card.selected .oc-ic svg{stroke:var(--logoRed)}.hoq .opt-card.selected .oc-check{border-color:var(--logoRed)}.hoq .opt-card.selected .oc-check:after{transform:scale(1)}.hoq .else-wrap{margin-top:14px}.hoq .fgroup{padding:28px 0;border-bottom:1px solid var(--border)}.hoq .fgroup:first-of-type{padding-top:8px}.hoq .fgroup-head{margin-bottom:20px}.hoq .fgroup-head .eyebrow{display:block}.hoq .field{display:flex;flex-direction:column;gap:7px;margin-bottom:18px}.hoq .field:last-child{margin-bottom:0}.hoq .field>label{font:600 14px/1.3 var(--sans);color:var(--slate)}.hoq .field .req{color:var(--logoRed);margin-left:2px}.hoq .field .opt{color:var(--gray);font-weight:400;margin-left:6px;font-size:13px}.hoq .ctrl{font:400 16px/1.4 var(--sans);color:var(--ink);background:var(--linen);border:1px solid var(--border);border-radius:6px;padding:12px 14px;width:100%;transition:border-color .15s;-webkit-appearance:none;appearance:none}.hoq .ctrl::placeholder{color:#9aa3af}.hoq .ctrl:focus{outline:none;border:2px solid var(--slate);padding:11px 13px}.hoq textarea.ctrl{resize:vertical;min-height:96px;line-height:1.55}.hoq select.ctrl{background-image:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='14' height='14' viewBox='0 0 24 24' fill='none' stroke='%232A4A66' stroke-width='2.4' stroke-linecap='round' stroke-linejoin='round'><path d='M6 9l6 6 6-6'/></svg>");background-repeat:no-repeat;background-position:right 14px center;padding-right:40px;cursor:pointer}.hoq .field.invalid .ctrl{border:2px solid var(--logoRed);padding:11px 13px}.hoq .field .err{display:none;font:400 13.5px/1.4 var(--sans);color:var(--logoRed)}.hoq .field.invalid .err{display:block}.hoq .fhelp{font:400 13px/1.45 var(--sans);color:var(--gray);margin-top:-2px}.hoq .row2{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-bottom:6px}.hoq .row2 .field{margin-bottom:0}.hoq .subhelp{font:400 13px/1.45 var(--sans);color:var(--gray);margin:14px 0 0}.hoq .radios{display:flex;gap:10px;flex-wrap:wrap}.hoq .radio{display:inline-flex;align-items:center;gap:9px;cursor:pointer;border:1px solid var(--border);border-radius:6px;padding:11px 16px;background:var(--linen);transition:border-color .15s}.hoq .radio input{position:absolute;opacity:0;width:0;height:0}.hoq .radio .dot{width:16px;height:16px;border-radius:50%;border:1px solid var(--gray);flex-shrink:0;position:relative;transition:border-color .15s}.hoq .radio .dot:after{content:"";position:absolute;inset:3px;border-radius:50%;background:var(--slate);transform:scale(0);transition:transform .12s}.hoq .radio input:checked+.dot{border-color:var(--slate)}.hoq .radio input:checked+.dot:after{transform:scale(1)}.hoq .radio input:checked~.rtxt{color:var(--slate);font-weight:600}.hoq .radio:hover{border-color:var(--steel)}.hoq .radio .rtxt{font:500 15px/1 var(--sans);color:var(--ink)}.hoq .hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}.hoq .pane-actions{padding-top:32px;display:flex;align-items:center;gap:20px;flex-wrap:wrap}.hoq .btn-step{min-width:220px}.hoq .btn-step:disabled{opacity:.4;cursor:not-allowed;background:var(--slate)}.hoq .back-link{font:600 14px/1 var(--sans);color:var(--slate);display:inline-flex;align-items:center;gap:8px;cursor:pointer}.hoq .back-link:hover{color:var(--logoRed)}.hoq .back-link .barrow{transition:transform .15s}.hoq .back-link:hover .barrow{transform:translateX(-3px)}.hoq .submit-note{font:400 14px/1.55 var(--sans);color:var(--gray);margin:0 0 18px;max-width:64ch}.hoq .submit-note strong{color:var(--slate);font-weight:600}.hoq .disclaimer{font:400 13px/1.5 var(--sans);color:var(--gray);margin-top:16px;max-width:60ch}.hoq .form-error{font:500 14px/1.5 var(--sans);color:var(--logoRed);margin:0 0 16px;background:rgba(171,13,14,.06);border-left:2px solid var(--logoRed);padding:12px 16px;border-radius:0 6px 6px 0}.hoq .success{display:none;text-align:center;padding:48px 24px;max-width:560px;margin:0 auto}.hoq .success.show{display:block}.hoq .success .s-ic{width:64px;height:64px;border-radius:50%;background:rgba(44,122,63,.12);display:flex;align-items:center;justify-content:center;margin:0 auto 24px}.hoq .success .s-ic svg{width:30px;height:30px;stroke:var(--success);stroke-width:2.4;fill:none;stroke-linecap:round;stroke-linejoin:round}.hoq .success h2{font-size:32px;margin-bottom:14px}.hoq .success p{font-size:17px;line-height:1.6;color:var(--ink)}.hoq .success .s-sub{color:var(--gray);font-size:15px;margin-top:10px}.hoq .callout{background:var(--steel);border-top:1px solid var(--border);border-bottom:1px solid var(--border)}.hoq .callout-inner{padding:48px 0;text-align:center}.hoq .callout .eyebrow{display:block;margin-bottom:12px}.hoq .callout h2{font-size:24px;margin-bottom:18px}.hoq .callout-methods{font:500 14px/1.7 var(--sans);color:var(--slate)}.hoq .callout-methods a:hover{color:var(--logoRed)}.hoq .callout-methods .dot{color:var(--steel);margin:0 12px;font-weight:700}.hoq .next{padding:96px 0;background:var(--linen)}.hoq .next-head{max-width:680px;margin:0 0 48px}.hoq .next-head .eyebrow{display:block;margin-bottom:14px}.hoq .next-steps{display:grid;grid-template-columns:repeat(3,1fr);gap:0;border-top:2px solid var(--slate)}.hoq .next-step{padding:32px 36px 8px 0;position:relative}.hoq .next-step+.next-step{border-left:1px solid var(--border);padding-left:36px}.hoq .next-step .nn{font-family:var(--serif);font-weight:700;font-size:48px;line-height:1;color:var(--logoRed);letter-spacing:-.03em;margin-bottom:18px}.hoq .next-step h3{font-size:21px;line-height:1.25;margin-bottom:12px}.hoq .next-step p{font-size:15px;line-height:1.6;color:var(--ink);max-width:32ch}@media (max-width:980px){.hoq .hero-inner{flex-direction:column;gap:24px}.hoq .hero-altlink{max-width:none;width:100%}.hoq .trust-inner{flex-wrap:wrap;gap:16px 24px}.hoq .tfact{flex:1 1 42%}.hoq .steps .slabel,.hoq .trust .tdiv{display:none}.hoq .steps .step.active .slabel,.hoq .steps .step.clickable .slabel{display:inline}.hoq .row2{grid-template-columns:1fr;gap:16px}.hoq .btn-step{width:100%;min-width:0}.hoq .next-steps{grid-template-columns:1fr;border-top:0}.hoq .next-step{padding:24px 0 24px 24px;border-left:2px solid var(--slate)}.hoq .next-step+.next-step{border-left:2px solid var(--slate);padding-left:24px}}