:root{--bg-primary:#2C1810;--bg-secondary:#3D2314;--bg-cream:#FAF6F0;--bg-parchment:#F0E8DC;--accent-gold:#C9943A;--accent-gold-soft:#e0b86b;--accent-tan:#A0724A;--text-on-dark:#FDF8F3;--text-on-dark-mute:#d8c8b8;--text-on-light:#1A0F09;--text-on-light-mute:#5a4632;--border-tan:#D4B896;--border-tan-soft:#e8dcc4;--warning-amber:#D4820A;--shadow-card:0 4px 24px rgba(44,24,16,0.08);--shadow-card-hover:0 12px 40px rgba(44,24,16,0.14);--radius:6px;--radius-lg:10px;--container:1240px;--font-head:"Cormorant Garamond",Georgia,"Times New Roman",serif;--font-body:"Jost","Helvetica Neue",Arial,sans-serif}*,:after,:before{box-sizing:border-box}html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}img{max-width:100%;display:block}a{color:inherit;text-decoration:none}button{font-family:inherit;cursor:pointer}h1,h2,h3,h4{font-family:var(--font-head);font-weight:600;color:var(--text-on-light);line-height:1.2;margin:0 0 .6em;letter-spacing:-.005em}h1{font-size:clamp(2.4rem,5vw,4rem);font-weight:500}h2{font-size:clamp(1.9rem,3.4vw,2.8rem)}h3{font-size:clamp(1.3rem,2vw,1.6rem)}h4{font-size:1.1rem}p{margin:0 0 1em}.container{width:100%;max-width:var(--container);margin:0 auto;padding:0 28px}@media (max-width:600px){.container{padding:0 20px}}.policyPage #pymnt-terms-hero-section{margin-top:0}@media (max-width:900px){.policyPage #pymnt-terms-hero-section{margin-top:0}}@media (max-width:600px){.policyPage #pymnt-terms-hero-section{margin-top:0}}.leather-texture{background-color:var(--bg-primary);background-image:repeating-linear-gradient(45deg,rgba(255,240,220,.018) 0 2px,transparent 2px 6px),repeating-linear-gradient(rgba(0,0,0,.04) 0 1px,transparent 1px 4px),radial-gradient(ellipse at top left,rgba(201,148,58,.06),transparent 60%),radial-gradient(ellipse at bottom right,rgba(0,0,0,.25),transparent 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.nav__links a:after{content:"";position:absolute;left:0;bottom:0;width:0;height:1px;background:var(--accent-gold);transition:width .25s ease}.policyPage .nav__links a.is-active,.policyPage .nav__links a:hover{color:var(--accent-gold)!important}.policyPage .nav__links a.is-active:after,.policyPage .nav__links a:hover:after{width:100%}.policyPage .nav__cta{display:inline-flex;align-items:center;gap:10px;padding:11px 22px;background:var(--accent-gold);color:var(--bg-primary);font-weight:600;font-size:.9rem;border-radius:var(--radius);border:1px solid var(--accent-gold);transition:background .2s ease,transform .2s ease;white-space:nowrap}.policyPage .nav__cta:hover{background:var(--accent-gold-soft);transform:translateY(-1px)}.policyPage .nav-toggle{display:none;background:transparent;border:1px solid var(--accent-gold);color:var(--accent-gold);width:42px;height:42px;border-radius:var(--radius);font-size:1.1rem}@media (max-width:980px){.policyPage 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(max-width:900px){.pathways{grid-template-columns:1fr}}.pathway-card{background:#ffffff;border-radius:var(--radius-lg);padding:44px 40px 40px;box-shadow:var(--shadow-card);position:relative;border-top:4px solid var(--accent-gold);transition:transform .25s ease,box-shadow .25s ease}.pathway-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-card-hover)}.pathway-card--tan{border-top-color:var(--accent-tan)}@media (max-width:600px){.pathway-card{padding:36px 26px 32px}}.pathway-card__badge{display:inline-block;font-size:.7rem;font-weight:600;letter-spacing:.2em;text-transform:uppercase;color:var(--accent-gold);margin-bottom:20px}.pathway-card--tan .pathway-card__badge{color:var(--accent-tan)}.pathway-card__icon{width:56px;height:56px;border-radius:50%;background:linear-gradient(135deg,var(--bg-cream),var(--bg-parchment));display:grid;place-items:center;color:var(--accent-gold);font-size:1.4rem;margin-bottom:18px;border:1px solid var(--border-tan-soft)}.pathway-card--tan .pathway-card__icon{color:var(--accent-tan)}.pathway-card h3{font-size:1.65rem;margin-bottom:4px}.pathway-card__sub{font-size:1.05rem;color:var(--accent-tan);font-weight:500;margin-bottom:18px;font-family:var(--font-body)}.pathway-card--tan .pathway-card__sub{color:var(--accent-gold)}.pathway-card__body{color:var(--text-on-light-mute);font-size:1rem;margin-bottom:22px}.check-list{list-style:none;padding:0;margin:0 0 28px;display:grid;gap:12px}.check-list li{display:flex;gap:12px;font-size:.97rem;color:var(--text-on-light);line-height:1.55}.check-list i{color:var(--accent-gold);margin-top:5px;flex-shrink:0;font-size:.9rem}.pathway-card__note{margin:22px 0 0;padding:16px 20px;background:var(--bg-cream);border-left:3px solid var(--accent-gold);font-style:italic;font-size:.9rem;color:var(--text-on-light-mute);border-radius:0 var(--radius) var(--radius) 0}.pathway-card--tan .pathway-card__note{border-left-color:var(--accent-tan)}.lc-edu{color:var(--text-on-dark)}.lc-edu 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tr:nth-child(2n) td{background:var(--bg-cream)}.lc-table tbody tr:hover td{background:var(--bg-parchment)}.lc-table tbody tr:hover td:first-child{border-left-color:var(--accent-gold)}.timeline{position:relative;max-width:900px;margin:0 auto;padding-left:0}.timeline-step{position:relative;padding-left:86px;padding-bottom:38px}.timeline-step:last-child{padding-bottom:0}.timeline-step__num{position:absolute;left:0;top:0;width:56px;height:56px;border-radius:50%;background:linear-gradient(135deg,var(--accent-gold),#b07d24);color:var(--bg-primary);display:grid;place-items:center;font-family:var(--font-head);font-weight:700;font-size:1.3rem;box-shadow:0 4px 14px rgba(201,148,58,.35);border:3px solid var(--bg-cream);z-index:2}.timeline-step h3{margin:6px 0 8px;color:var(--bg-primary)}.timeline-step p{color:var(--text-on-light-mute);margin:0}@media (max-width:600px){.timeline-step{padding-left:64px}.timeline-step__num{width:44px;height:44px;font-size:1.1rem}}.req-card{background:#fff;border-radius:var(--radius-lg);border-left:4px solid var(--accent-tan);box-shadow:var(--shadow-card);overflow:hidden;margin-bottom:24px}.req-row{display:grid;grid-template-columns:60px 1fr;align-items:center;padding:20px 26px;border-bottom:1px solid var(--border-tan-soft)}.req-row:last-child{border-bottom:none}.req-row__icon{color:var(--accent-tan);font-size:1.2rem;text-align:center}.req-row__text strong{display:block;font-family:var(--font-head);font-size:1.1rem;color:var(--bg-primary);margin-bottom:2px;font-weight:600}.req-row__text span{color:var(--text-on-light-mute);font-size:.95rem}.info-box{padding:22px 26px;border-radius:var(--radius);margin-top:18px;display:flex;gap:16px;align-items:flex-start}.info-box i{font-size:1.2rem;margin-top:2px;flex-shrink:0}.info-box--amber{background:#fdf3e0;border-left:4px solid var(--warning-amber);color:#6e4406}.info-box--amber i{color:var(--warning-amber)}.info-box--gold{background:rgba(201,148,58,.12);border-left:4px solid var(--accent-gold);color:#6b4e1c}.info-box--gold i{color:var(--accent-gold)}.info-box p{margin:0;font-size:.95rem;line-height:1.6}.info-box strong{display:block;margin-bottom:4px;font-size:1rem}.faq{max-width:880px;margin:0 auto}.faq-item{background:#fff;border:1px solid var(--border-tan-soft);border-radius:var(--radius);margin-bottom:14px;overflow:hidden;transition:border-color .2s ease,box-shadow .2s ease}.faq-item.is-open{border-color:var(--accent-gold);box-shadow:0 6px 22px rgba(201,148,58,.12)}.faq-q{width:100%;background:transparent;border:0;text-align:left;padding:20px 26px;display:flex;justify-content:space-between;align-items:center;gap:18px;font-family:var(--font-head);font-size:1.18rem;font-weight:600;color:var(--bg-primary);line-height:1.4}.faq-q__icon{width:28px;height:28px;border-radius:50%;background:var(--bg-cream);color:var(--accent-gold);display:grid;place-items:center;flex-shrink:0;transition:transform .25s ease,background .2s ease;font-size:.85rem}.faq-item.is-open .faq-q__icon{background:var(--accent-gold);color:var(--bg-primary);transform:rotate(45deg)}.faq-a{max-height:0;overflow:hidden;transition:max-height .35s ease}.faq-a__inner{padding:0 26px 22px;color:var(--text-on-light-mute);font-size:.98rem;line-height:1.7}.ready{position:relative}.ready,.ready .section-head h2{color:var(--text-on-dark)}.ready .section-head p{color:var(--text-on-dark-mute)}.ready .gold-rule{background:linear-gradient(90deg,transparent,var(--accent-gold),transparent)}.ready-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:24px;margin-top:16px}@media (max-width:760px){.ready-grid{grid-template-columns:1fr}}.ready-card{background:var(--bg-secondary);border-top:3px solid var(--accent-gold);border-radius:var(--radius-lg);padding:36px 32px;transition:transform .25s ease,box-shadow .25s ease;display:flex;flex-direction:column}.ready-card:hover{transform:translateY(-4px);box-shadow:0 12px 30px rgba(0,0,0,.35)}.ready-card__icon{width:54px;height:54px;border-radius:50%;border:1px solid var(--accent-gold);color:var(--accent-gold);display:grid;place-items:center;font-size:1.25rem;margin-bottom:18px;background:rgba(201,148,58,.08)}.ready-card h3{color:var(--text-on-dark);margin-bottom:10px;font-size:1.35rem}.ready-card p{color:var(--text-on-dark-mute);font-size:.95rem;margin-bottom:22px;flex:1}.ready-card .btn{align-self:flex-start}.footer{background:var(--bg-primary);color:var(--text-on-dark-mute);padding:60px 0 28px;background-image:linear-gradient(var(--bg-primary),var(--bg-primary)),linear-gradient(90deg,transparent,var(--accent-gold),transparent);background-origin:padding-box,border-box;background-clip:padding-box,border-box;border-top:2px solid transparent;position:relative}.footer:before{content:"";position:absolute;top:0;left:0;right:0;height:2px;background:linear-gradient(90deg,transparent,var(--accent-gold),transparent)}.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1.1fr;gap:48px;margin-bottom:36px}@media (max-width:820px){.footer-grid{grid-template-columns:1fr;gap:36px}}.footer h4{font-size:1.15rem;margin-bottom:16px}.footer h4,.footer__brand-name{font-family:var(--font-head);color:var(--accent-gold);font-weight:600}.footer__brand-name{font-size:1.6rem;margin-bottom:6px}.footer__tag{font-style:italic;color:var(--text-on-dark-mute);margin-bottom:14px}.footer p{font-size:.92rem;line-height:1.65;margin:0 0 8px}.footer ul{list-style:none;margin:0;padding:0;display:grid;gap:10px}.footer ul a{color:var(--text-on-dark-mute);font-size:.93rem;transition:color .2s ease}.footer ul a:hover{color:var(--accent-gold)}.footer__contact a{color:var(--text-on-dark)}.footer__contact a:hover{color:var(--accent-gold)}.footer__bottom{border-top:1px solid rgba(212,184,150,.18);padding-top:22px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px;font-size:.85rem;color:var(--text-on-dark-mute)}.reveal{opacity:0;transform:translateY(24px);transition:opacity .7s ease,transform .7s ease;will-change:opacity,transform}.reveal.is-visible{opacity:1;transform:translateY(0)}@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}.reveal{opacity:1;transform:none;transition:none}*{animation:none!important;transition:none!important}}