:root{--ink:#102b38;--pine:#123d34;--gold:#efc775;--cream:#faf6ed}
.hub-hero{min-height:390px;display:flex;align-items:end;position:relative;border-radius:0 0 30px 30px;background-size:cover;background-position:center;overflow:hidden;color:white}
.hub-hero:before{content:'';position:absolute;inset:0;background:linear-gradient(90deg,rgba(8,28,32,.93),rgba(8,28,32,.35))}
.hub-hero>div{position:relative;max-width:1180px;width:100%;margin:auto;padding:75px 32px 60px}
.hub-hero h1{font:700 clamp(2.4rem,5.2vw,4.4rem)/1.04 Georgia,serif;max-width:850px;margin:12px 0 18px;color:#fff}
.hub-hero p{font-size:1.12rem;line-height:1.65;max-width:680px;color:#f8f4e9}
.hub-eyebrow{display:inline-block;border-radius:30px;background:rgba(11,74,56,.82);color:#fff0bf;padding:9px 15px;font-weight:800;letter-spacing:.09em;text-transform:uppercase;font-size:.72rem}
.hub-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:23px}
.hub-actions a{background:var(--gold);color:#102b38;text-decoration:none;border-radius:40px;padding:13px 21px;font-weight:800}
.hub-actions a.secondary{background:#fff;color:#102b38}
.hub-wrap{max-width:1180px;margin:auto;padding:55px 24px}
.hub-wrap h2{font:700 clamp(1.9rem,3.3vw,2.7rem)/1.14 Georgia,serif;color:var(--ink);margin:0 0 12px}
.hub-wrap .intro{color:#425666;max-width:760px;line-height:1.7;margin:0 0 26px}
.hub-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}
.hub-grid.four{grid-template-columns:repeat(4,minmax(0,1fr))}
.hub-card{position:relative;display:flex;flex-direction:column;justify-content:end;min-height:315px;overflow:hidden;border-radius:22px;background-position:center;background-size:cover;color:#fff;text-decoration:none;padding:23px;isolation:isolate;box-shadow:0 14px 35px rgba(11,25,34,.13)}
.hub-card:before{content:'';position:absolute;inset:0;z-index:-1;background:linear-gradient(180deg,rgba(7,24,30,.04),rgba(5,19,29,.93))}
.hub-card h3{font:700 1.48rem/1.1 Georgia,serif;color:white;margin:0 0 10px}
.hub-card p{font-size:.94rem;line-height:1.48;margin:0 0 15px;color:#f8f8f8}
.hub-card .pill{align-self:start;background:#f5d99d;color:#20352d;border-radius:30px;padding:6px 10px;font-size:.7rem;font-weight:800;margin-bottom:13px}
.hub-card .cta{align-self:start;background:#fff;color:#132f40;border-radius:9px;padding:10px 14px;font-weight:800;font-size:.84rem}
.hub-card:hover{transform:translateY(-3px);transition:transform .2s}
.hub-tint{background:#f2eadb}
.hub-note{border-left:5px solid #c79b47;padding:17px 22px;background:#fffaf0;border-radius:8px;color:#354454;line-height:1.65;margin-top:26px}
.hub-linkbar{background:#123b35;color:white;border-radius:20px;padding:30px;margin-top:32px;display:flex;align-items:center;justify-content:space-between;gap:15px;flex-wrap:wrap}
.hub-linkbar h3{color:white;margin:0;font:700 1.5rem Georgia,serif}.hub-linkbar p{margin:7px 0 0;color:#e7eee8}
.hub-linkbar a{background:var(--gold);color:#102b38;text-decoration:none;padding:12px 18px;border-radius:30px;font-weight:800}
.hub-article{max-width:850px;margin:45px auto;padding:0 24px;line-height:1.75;color:#2d3f4c}.hub-article h2{font:700 2rem Georgia,serif;margin-top:42px}.hub-article h3{font:700 1.4rem Georgia,serif;margin-top:28px}.hub-article a{color:#125d57}
.hub-faq details{background:#fff;padding:16px 20px;margin:12px 0;border-radius:12px;border:1px solid #ddd7c8}.hub-faq summary{font-weight:800;cursor:pointer}
@media(max-width:900px){.hub-grid.four{grid-template-columns:repeat(2,minmax(0,1fr))}.hub-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:600px){.hub-grid,.hub-grid.four{grid-template-columns:1fr}.hub-card{min-height:265px}.hub-hero>div{padding:55px 22px}.hub-wrap{padding:38px 17px}}