.ph-wif{--wif-ink:#06231e;--wif-teal:#0e5a4c;--wif-teal-deep:#0a4034;--wif-hero:#063a30;--wif-hero-2:#082a24;--wif-gold:#b8860b;--wif-gold-ink:#8a6300;--wif-gold-bg:#fbeecb;--wif-gold-btn:#e0a800;--wif-mist:#e8f2ee;--wif-mist-deep:#d6e7e1;--wif-paper:#f7f5ef;--wif-card:#fff;--wif-border:#dde6e1;--wif-body:#33413d;--wif-muted:#4c5b56;--wif-emerald-ink:#047857;--wif-emerald-bg:#d1fae5;--wif-radius-sm:8px;--wif-radius-md:14px;--wif-radius-lg:20px;--wif-shadow-sm:0 2px 8px rgba(6,35,30,.06);--wif-shadow-md:0 12px 30px -10px rgba(6,35,30,.18);font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;color:var(--wif-body);background:var(--wif-card);line-height:1.65;overflow-x:hidden}.ph-wif *{box-sizing:border-box}.ph-wif h1,.ph-wif h2,.ph-wif h3,.ph-wif h4{color:var(--wif-ink);font-weight:800;line-height:1.22;margin-top:0}.ph-wif p{margin:0 0 1.1rem}.ph-wif a{color:var(--wif-teal-deep);text-decoration:underline;text-underline-offset:3px;font-weight:600}.ph-wif a:hover{color:var(--wif-gold-ink)}.ph-wif a:focus-visible,.ph-wif summary:focus-visible,.ph-wif button:focus-visible{outline:3px solid var(--wif-ink);outline-offset:3px;border-radius:4px}.ph-wif-container{width:100%;max-width:1200px;margin-inline:auto;padding-inline:clamp(1.1rem,4vw,2.5rem)}.ph-wif-hero{position:relative;background:linear-gradient(160deg,var(--wif-hero) 0%,var(--wif-hero-2) 100%);border-bottom:5px solid var(--wif-gold-btn);padding-block:clamp(3rem,7vw,5.5rem) clamp(2.5rem,5vw,4rem)}.ph-wif-hero .ph-wif-container{max-width:none}.ph-wif-hero h1,.ph-wif-hero p{color:#fff}.ph-wif-kicker{display:inline-block;color:var(--wif-gold-btn);background:rgba(255,255,255,.08);border:1px solid rgba(224,168,0,.7);padding:.35rem .95rem;border-radius:999px;font-size:.82rem;font-weight:700;text-transform:uppercase;letter-spacing:.06em;margin:0 0 1.25rem}.ph-wif-hero h1{font-size:clamp(2rem,4.4vw,3.35rem);letter-spacing:-.02em;margin:0 0 1.1rem;max-width:100%;text-wrap:balance}.ph-wif-lead{font-size:clamp(1.05rem,1.7vw,1.18rem);color:#d7e6e1 !important;margin:0 0 1.9rem;max-width:100%}.ph-wif-hero__actions{display:flex;flex-wrap:wrap;gap:.85rem}.ph-wif-btn{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:.8rem 1.5rem;border-radius:var(--wif-radius-sm);font-weight:800;font-size:.98rem;text-decoration:none;transition:transform .18s ease,background-color .18s ease,color .18s ease}.ph-wif-btn--primary{background:var(--wif-gold-btn);color:var(--wif-ink) !important;border:2px solid var(--wif-gold-btn)}.ph-wif-btn--primary:hover{background:#f2bd2e;border-color:#f2bd2e;color:var(--wif-ink) !important;transform:translateY(-2px)}.ph-wif-btn--ghost{background:0 0;color:#fff !important;border:2px solid rgba(255,255,255,.8)}.ph-wif-btn--ghost:hover{background:#fff;color:var(--wif-ink) !important;border-color:#fff;transform:translateY(-2px)}.ph-wif-facts{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:1rem;margin:2.75rem 0 0;padding:0;list-style:none}.ph-wif-fact{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.18);border-radius:var(--wif-radius-md);padding:1.15rem 1.2rem;display:grid;grid-template-columns:auto 1fr;grid-template-rows:auto auto;column-gap:.7rem;align-items:center}.ph-wif-fact__icon{grid-row:1/span 2;width:30px;height:30px;color:var(--wif-gold-btn);align-self:center}.ph-wif-fact__label{font-size:.74rem;font-weight:800;text-transform:uppercase;letter-spacing:.07em;color:#f2d488}.ph-wif-fact__value{grid-column:2;font-size:.98rem;font-weight:700;color:#fff;line-height:1.3}.ph-wif-ribbon{background:var(--wif-teal-deep);padding-block:1.1rem}.ph-wif-ribbon__label{display:block;color:#cfe6df;font-size:.78rem;font-weight:700;text-transform:uppercase;letter-spacing:.08em;margin-bottom:.6rem}.ph-wif-ribbon__list{display:flex;flex-wrap:wrap;gap:.4rem;list-style:none;margin:0;padding:0}.ph-wif-chip{display:inline-block;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.28);color:#fff;font-size:.82rem;font-weight:600;padding:.28rem .7rem;border-radius:999px}.ph-wif-jump{position:sticky;top:0;z-index:40;background:var(--wif-paper);border-bottom:1px solid var(--wif-border);padding-block:.6rem}.ph-wif-jump__scroll{display:flex;gap:.5rem;overflow-x:auto;padding-block:.2rem;scrollbar-width:thin}.ph-wif-jump a{white-space:nowrap;color:var(--wif-teal-deep);text-decoration:none;font-size:.85rem;font-weight:700;min-height:44px;display:inline-flex;align-items:center;padding:.4rem .95rem;border-radius:999px;background:#fff;border:1px solid var(--wif-border)}.ph-wif-jump a:hover,.ph-wif-jump a:focus{background:var(--wif-teal);border-color:var(--wif-teal);color:#fff}.ph-wif-section{padding-block:clamp(3rem,6.5vw,5rem)}.ph-wif-section--tint{background:var(--wif-paper);border-block:1px solid var(--wif-border)}.ph-wif-head{max-width:100%;margin-bottom:2.4rem}.ph-wif-head h2{font-size:clamp(1.7rem,3.2vw,2.35rem);margin:0 0 .8rem}.ph-wif-head p{font-size:1.05rem;color:var(--wif-muted);margin:0}.ph-wif-subhead{font-size:clamp(1.3rem,2.4vw,1.7rem);margin:3rem 0 .6rem}.ph-wif-sublead{color:var(--wif-muted);margin:0 0 1.4rem}.ph-wif-note{margin-top:1.6rem;font-size:.92rem;color:var(--wif-muted);padding-left:1rem;border-left:3px solid var(--wif-gold-btn)}.ph-wif-grid-2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:1.4rem}.ph-wif-grid-3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1.4rem}.ph-wif-board{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:0;background:var(--wif-card);border:1px solid var(--wif-border);border-radius:var(--wif-radius-md);box-shadow:var(--wif-shadow-sm);overflow:hidden}.ph-wif-board__item{padding:1.3rem 1.4rem;border-bottom:1px solid var(--wif-border);border-right:1px solid var(--wif-border);border-left:4px solid var(--wif-teal)}.ph-wif-board__k{display:block;font-size:.76rem;font-weight:800;text-transform:uppercase;letter-spacing:.06em;color:var(--wif-gold-ink);margin-bottom:.35rem}.ph-wif-board__v{display:block;color:var(--wif-ink);font-weight:700;font-size:1.02rem;line-height:1.35}.ph-wif-pillars{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.9rem}.ph-wif-pillars li{display:flex;gap:.8rem;align-items:flex-start;background:var(--wif-card);border:1px solid var(--wif-border);border-radius:var(--wif-radius-sm);padding:1rem 1.15rem;font-size:.96rem;color:var(--wif-body)}.ph-wif-pillars strong{color:var(--wif-ink)}.ph-wif-pillar__mark{flex:0 0 auto;width:12px;height:12px;margin-top:.4rem;background:var(--wif-gold-btn);border-radius:3px;box-shadow:0 0 0 3px var(--wif-gold-bg)}.ph-wif-card{background:var(--wif-card);border:1px solid var(--wif-border);border-radius:var(--wif-radius-md);padding:1.6rem;box-shadow:var(--wif-shadow-sm);transition:transform .18s ease,box-shadow .18s ease}.ph-wif-card:hover{transform:translateY(-3px);box-shadow:var(--wif-shadow-md)}.ph-wif-card h3{font-size:1.15rem;margin:0 0 .6rem}.ph-wif-card p{color:var(--wif-body);font-size:.96rem;margin:0 0 .9rem}.ph-wif-card p:last-child{margin-bottom:0}.ph-wif-badge{display:inline-block;font-size:.75rem;font-weight:800;text-transform:uppercase;letter-spacing:.04em;padding:.24rem .62rem;border-radius:6px;margin-bottom:.7rem}.ph-wif-badge--teal{background:var(--wif-mist);color:var(--wif-teal-deep);border:1px solid #c4ddd5}.ph-wif-badge--gold{background:var(--wif-gold-bg);color:var(--wif-gold-ink);border:1px solid #f0dca4}.ph-wif-badge--emerald{background:var(--wif-emerald-bg);color:var(--wif-emerald-ink);border:1px solid #a7f3d0}.ph-wif-card__link{display:inline-block;margin-top:.35rem;font-size:.92rem}.ph-wif-stats{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:1rem;margin:0 0 2.2rem;padding:0;list-style:none}.ph-wif-stat{background:var(--wif-card);border:1px solid var(--wif-border);border-top:3px solid var(--wif-gold-btn);border-radius:var(--wif-radius-sm);padding:1.1rem .9rem;text-align:center}.ph-wif-stat__num{display:block;color:var(--wif-teal-deep);font-size:clamp(1.5rem,3vw,2rem);font-weight:800;line-height:1.1;margin-bottom:.35rem}.ph-wif-stat__label{display:block;color:var(--wif-muted);font-size:.85rem;line-height:1.4}.ph-wif-trust{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:1rem;margin-top:2rem}.ph-wif-trust div{background:var(--wif-card);border:1px solid var(--wif-border);border-left:4px solid var(--wif-emerald-ink);border-radius:var(--wif-radius-sm);padding:1rem 1.1rem;font-size:.92rem;color:var(--wif-body)}.ph-wif-trust strong{display:block;color:var(--wif-ink);margin-bottom:.2rem}.ph-wif-faq-list{display:grid;gap:.9rem}.ph-wif-faq{background:var(--wif-card);border:1px solid var(--wif-border);border-radius:var(--wif-radius-md);overflow:hidden}.ph-wif-faq summary{display:flex;align-items:center;justify-content:space-between;gap:1rem;min-height:48px;padding:1.1rem 1.4rem;font-weight:800;font-size:1.03rem;color:var(--wif-ink);cursor:pointer;list-style:none}.ph-wif-faq summary::-webkit-details-marker{display:none}.ph-wif-faq summary:after{content:"+";font-size:1.5rem;font-weight:400;color:var(--wif-teal);line-height:1}.ph-wif-faq[open] summary:after{content:"\2212"}.ph-wif-faq[open] summary{background:var(--wif-paper);border-bottom:1px solid var(--wif-border)}.ph-wif-faq__body{padding:1.1rem 1.4rem;font-size:.96rem;color:var(--wif-body)}.ph-wif-contact{background:var(--wif-mist);border-top:4px solid var(--wif-teal);padding-block:clamp(3rem,6.5vw,5rem)}.ph-wif-contact__intro{text-align:center;max-width:780px;margin:0 auto}.ph-wif-contact__intro h2{font-size:clamp(1.8rem,3.4vw,2.4rem);margin:0 0 .9rem}.ph-wif-contact__intro p{color:var(--wif-body);margin:0}@media (prefers-reduced-motion:reduce){.ph-wif *{transition:none !important;animation:none !important}}@media (max-width:1024px){.ph-wif-board{grid-template-columns:repeat(2,minmax(0,1fr))}}@media (max-width:900px){.ph-wif-facts{grid-template-columns:repeat(2,minmax(0,1fr))}.ph-wif-stats,.ph-wif-trust{grid-template-columns:repeat(2,minmax(0,1fr))}.ph-wif-grid-3{grid-template-columns:repeat(2,minmax(0,1fr))}}@media (max-width:768px){.ph-wif-grid-2,.ph-wif-grid-3,.ph-wif-stats,.ph-wif-trust,.ph-wif-board,.ph-wif-pillars{grid-template-columns:1fr}.ph-wif-facts{grid-template-columns:1fr}}