.hub-wrap{max-width:880px;margin:0 auto;padding:150px 24px 80px}@media(max-width:768px){.hub-wrap{padding-top:130px}}.hub-header{margin-bottom:32px}.hub-wrap>.breadcrumb{display:flex;align-items:center;gap:8px;flex-wrap:wrap;font-family:Inter,sans-serif;font-size:.9rem;line-height:1.5;color:var(--muted);background:var(--card);border:1px solid var(--border);border-radius:10px;padding:14px 20px;margin-bottom:24px}.hub-wrap>.breadcrumb a{color:var(--muted);transition:color .15s;font-weight:500}.hub-wrap>.breadcrumb a:hover{color:var(--gold)}.hub-wrap>.breadcrumb span[aria-hidden]{color:var(--gold);font-weight:700}.hub-wrap>.breadcrumb .current{color:var(--text);font-weight:600}.hub-header .eyebrow{font-size:.75rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--gold);margin-bottom:14px}.hub-header h1{font-size:clamp(2.25rem,5vw,3.4rem);color:var(--text);line-height:1.1;margin-bottom:20px;letter-spacing:-.015em}.hub-header .lede{font-size:1.1rem;color:var(--muted);line-height:1.7;max-width:680px}.answer-box{background:#d4a8430f;border:1px solid rgba(212,168,67,.25);border-radius:12px;padding:24px 28px;margin:32px 0 48px}.answer-box .answer-label{font-size:.72rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--gold);margin-bottom:8px}.answer-box p{font-size:1.05rem;color:var(--text);line-height:1.7}.hub-intro{margin-top:56px}.hub-intro h2{font-size:1.5rem;color:var(--text);margin-bottom:14px;letter-spacing:-.01em}.hub-intro p{font-size:1rem;color:var(--muted);line-height:1.75;margin-bottom:16px}.hub-steps{margin-top:72px}.hub-steps h2{font-size:1.75rem;color:var(--text);margin-bottom:28px;letter-spacing:-.01em}.step-list{list-style:none;padding:0;margin:0;display:flex;flex-direction:column;gap:14px}.step-entry{display:grid;grid-template-columns:72px 1fr;gap:20px;padding:24px 28px;background:var(--card);border:1px solid var(--border);border-radius:14px;transition:border-color .2s,transform .2s,box-shadow .2s}.step-entry:hover{border-color:#d4a84359;transform:translateY(-2px);box-shadow:0 12px 32px #00000040}.step-entry .step-num{font-family:Inter,sans-serif;font-size:2.2rem;font-weight:800;color:var(--gold);line-height:1;letter-spacing:-.03em}.step-entry .step-label{font-size:.72rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);margin-bottom:6px}.step-entry h3{font-family:Inter,sans-serif;font-size:1.25rem;color:var(--text);margin-bottom:8px;letter-spacing:-.01em}.step-entry h3 a{color:var(--text)}.step-entry h3 a:hover{color:var(--gold)}.step-entry p{color:var(--muted);font-size:.95rem;line-height:1.65;margin-bottom:10px}.step-entry .read-more{font-size:.88rem;color:var(--gold);font-weight:600}.hub-cta{margin-top:72px;padding:48px 36px;background:linear-gradient(135deg,#d4a84314,#d4a84305);border:1px solid rgba(212,168,67,.25);border-radius:16px;text-align:center}.hub-cta h2{font-size:1.75rem;color:var(--text);margin-bottom:12px;letter-spacing:-.01em}.hub-cta p{font-size:1rem;color:var(--muted);line-height:1.7;max-width:560px;margin:0 auto 24px}.hub-cta-actions{display:flex;gap:16px;flex-wrap:wrap;justify-content:center}.hub-faqs{margin-top:72px}.hub-faqs h2{font-size:1.75rem;color:var(--text);margin-bottom:24px}.hub-faqs .faq-list{display:flex;flex-direction:column;gap:12px}.hub-faqs .faq-item{background:var(--card);border:1px solid var(--border);border-radius:10px;padding:18px 22px;transition:border-color .2s}.hub-faqs .faq-item[open]{border-color:#d4a84366}.hub-faqs .faq-item summary{font-family:Inter,sans-serif;font-weight:600;font-size:1rem;color:var(--text);cursor:pointer;list-style:none;position:relative;padding-right:28px}.hub-faqs .faq-item summary::-webkit-details-marker{display:none}.hub-faqs .faq-item summary:after{content:"+";position:absolute;right:0;top:50%;transform:translateY(-50%);font-size:1.3rem;color:var(--gold);transition:transform .2s}.hub-faqs .faq-item[open] summary:after{content:"−"}.hub-faqs .faq-item p{margin-top:14px;color:var(--muted);line-height:1.75;font-size:.95rem}.hub-author{margin-top:72px;padding:32px;background:var(--surface);border:1px solid var(--border);border-radius:14px;display:grid;grid-template-columns:120px 1fr;gap:28px;align-items:start}.hub-author img{width:120px;height:140px;object-fit:cover;object-position:top;border-radius:10px;border:2px solid rgba(212,168,67,.3)}.hub-author .eyebrow{font-size:.72rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--gold);margin-bottom:6px}.hub-author h3{font-size:1.4rem;color:var(--text);margin-bottom:2px}.hub-author .author-title{font-size:.85rem;color:var(--muted);margin-bottom:14px}.hub-author p{font-size:.92rem;color:var(--muted);line-height:1.7;margin-bottom:14px}.hub-author .author-contact{display:flex;gap:10px;flex-wrap:wrap;font-size:.88rem;color:var(--muted)}.hub-author .author-contact a{color:var(--gold)}@media(max-width:680px){.step-entry{grid-template-columns:1fr;gap:8px;padding:22px}.hub-author{grid-template-columns:1fr;text-align:center}.hub-author img{margin:0 auto}.hub-author .author-contact{justify-content:center}}