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.08);position:relative;overflow:hidden}.home-hero-section::after{content:'';position:absolute;top:-50px;right:-50px;width:320px;height:320px;background:radial-gradient(circle,rgb(16 185 129 / .15) 0%,transparent 70%);pointer-events:none}.hero-pill-cluster{display:flex;align-items:center;gap:10px;flex-wrap:wrap;margin-bottom:20px}.hero-pill{display:inline-flex;align-items:center;gap:6px;padding:4px 12px;background:rgb(255 255 255 / .08);border:1px solid rgb(255 255 255 / .15);border-radius:9999px;font-size:12px;font-weight:600;color:#CBD5E1}.hero-pill.green{background:rgb(16 185 129 / .15);border-color:rgb(16 185 129 / .35);color:#34D399}.hero-main-title{font-size:clamp(30px, 4.5vw, 46px);font-weight:800;color:#FFF;letter-spacing:-.02em;line-height:1.2;margin-bottom:16px}.hero-main-title span{background:linear-gradient(135deg,#34D399 0%,#10B981 100%);-webkit-background-clip:text;-webkit-text-fill-color:#fff0}.hero-lead-text{font-size:17px;color:#94A3B8;max-width:720px;line-height:1.65;margin-bottom:32px}.hero-action-row{display:flex;align-items:center;gap:16px;flex-wrap:wrap;margin-bottom:36px}.hero-btn-primary{display:inline-flex;align-items:center;gap:8px;background:var(--usb-emerald);color:#FFFFFF!important;font-weight:700;font-size:15px;padding:14px 28px;border-radius:10px;text-decoration:none;box-shadow:0 4px 14px rgb(16 185 129 / .4);transition:all 0.2s ease}.hero-btn-primary:hover{background:var(--usb-emerald-hover);transform:translateY(-2px);box-shadow:0 6px 20px rgb(16 185 129 / .5)}.hero-btn-secondary{display:inline-flex;align-items:center;gap:8px;background:rgb(255 255 255 / .08);border:1.5px solid rgb(255 255 255 / .15);color:#FFFFFF!important;font-weight:600;font-size:15px;padding:13px 24px;border-radius:10px;text-decoration:none;transition:all 0.2s ease}.hero-btn-secondary:hover{background:rgb(255 255 255 / .14);border-color:#FFF}.hero-stats-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px;padding-top:24px;border-top:1px solid rgb(255 255 255 / .1)}@media (min-width:640px){.hero-stats-grid{grid-template-columns:repeat(4,1fr)}}.hero-stat-card{display:flex;flex-direction:column}.hero-stat-number{font-size:24px;font-weight:800;color:#F8FAFC;line-height:1.2}.hero-stat-label{font-size:12px;color:#94A3B8;text-transform:uppercase;letter-spacing:.05em;margin-top:4px}.bento-section-title{font-size:26px;font-weight:800;color:var(--usb-navy);letter-spacing:-.01em;margin:48px 0 20px 0;display:flex;align-items:center;gap:10px}.bento-section-title::before{content:'';display:inline-block;width:5px;height:22px;background:var(--usb-emerald);border-radius:4px}.cards-bento-grid{display:grid;grid-template-columns:1fr;gap:20px;margin-bottom:40px}@media (min-width:768px){.cards-bento-grid{grid-template-columns:repeat(3,1fr)}}.spotlight-card{background:#FFF;border:1.5px solid var(--usb-border);border-radius:16px;padding:24px;box-shadow:var(--usb-shadow-sm);display:flex;flex-direction:column;justify-content:space-between;transition:all 0.25s ease;position:relative}.spotlight-card:hover{transform:translateY(-4px);box-shadow:var(--usb-shadow-lg);border-color:#CBD5E1}.spotlight-card.featured-pick{border-color:var(--usb-emerald);border-width:2px}.spotlight-badge{position:absolute;top:16px;right:16px;background:var(--usb-emerald-light);border:1px solid var(--usb-emerald-border);color:var(--usb-emerald-hover);font-size:11px;font-weight:700;padding:3px 10px;border-radius:9999px;text-transform:uppercase}.spotlight-issuer{font-size:12px;font-weight:600;color:var(--usb-muted);text-transform:uppercase;letter-spacing:.05em;margin-bottom:4px}.spotlight-card-name{font-size:18px;font-weight:800;color:var(--usb-navy);line-height:1.3;margin-bottom:16px;padding-right:60px}.spotlight-metrics-row{display:grid;grid-template-columns:1fr 1fr;gap:10px;background:#F8FAFC;padding:12px 14px;border-radius:10px;margin-bottom:16px;border:1px solid var(--usb-border)}.spotlight-metric-item{display:flex;flex-direction:column}.spotlight-metric-val{font-size:16px;font-weight:800;color:var(--usb-navy)}.spotlight-metric-val.green{color:var(--usb-emerald-hover)}.spotlight-metric-lbl{font-size:11px;color:var(--usb-muted)}.spotlight-highlights{list-style:none;padding:0;margin:0 0 20px 0;font-size:13.5px;color:var(--usb-slate-text);display:flex;flex-direction:column;gap:8px}.spotlight-highlights li{display:flex;align-items:flex-start;gap:8px;line-height:1.4}.spotlight-highlights li::before{content:'✓';color:var(--usb-emerald);font-weight:800;font-size:13px;flex-shrink:0}.spotlight-cta-btn{display:flex;align-items:center;justify-content:center;gap:6px;background:var(--usb-navy);color:#FFFFFF!important;font-size:14px;font-weight:700;padding:12px 18px;border-radius:8px;text-decoration:none;transition:all 0.2s ease}.spotlight-card:hover .spotlight-cta-btn{background:var(--usb-emerald)}.tools-quick-bento{display:grid;grid-template-columns:1fr;gap:16px;margin-bottom:40px}@media (min-width:640px){.tools-quick-bento{grid-template-columns:repeat(2,1fr)}}@media (min-width:1024px){.tools-quick-bento{grid-template-columns:repeat(4,1fr)}}.tool-bento-box{background:#FFF;border:1.5px solid var(--usb-border);border-radius:14px;padding:20px;display:flex;flex-direction:column;justify-content:space-between;box-shadow:var(--usb-shadow-sm);transition:all 0.2s ease;text-decoration:none!important}.tool-bento-box:hover{border-color:var(--usb-emerald);background:#FFF;transform:translateY(-3px);box-shadow:var(--usb-shadow-md)}.tool-bento-icon{width:40px;height:40px;border-radius:10px;background:rgb(16 185 129 / .12);color:var(--usb-emerald-hover);display:flex;align-items:center;justify-content:center;margin-bottom:14px}.tool-bento-title{font-size:16px;font-weight:700;color:var(--usb-navy);margin-bottom:6px}.tool-bento-desc{font-size:13px;color:var(--usb-muted);line-height:1.5;margin-bottom:14px}.tool-bento-link{font-size:13px;font-weight:700;color:var(--usb-emerald-hover);display:flex;align-items:center;gap:4px}.steps-timeline-grid{display:grid;grid-template-columns:1fr;gap:20px;margin:24px 0 40px 0}@media (min-width:768px){.steps-timeline-grid{grid-template-columns:repeat(3,1fr)}}.step-process-card{background:#FFF;border:1.5px solid var(--usb-border);border-radius:16px;padding:24px;position:relative;box-shadow:var(--usb-shadow-sm)}.step-num-pill{width:34px;height:34px;border-radius:50%;background:var(--usb-navy);color:#FFF;font-size:16px;font-weight:800;display:flex;align-items:center;justify-content:center;margin-bottom:16px}.step-process-card:last-child .step-num-pill{background:var(--usb-emerald)}.step-title{font-size:17px;font-weight:800;color:var(--usb-navy);margin-bottom:10px}.step-body{font-size:14px;color:var(--usb-slate-text);line-height:1.6}.ad-slot-placeholder{display:flex!important;align-items:center!important;justify-content:center!important;background:#F1F5F9!important;border:1px dashed #CBD5E1!important;border-radius:10px!important;min-height:90px!important;margin:32px 0!important;color:#94A3B8!important;font-size:12px!important;text-transform:uppercase!important;letter-spacing:0.06em!important}.site-footer{background:var(--usb-navy)!important;color:#94A3B8!important;padding:56px 0 32px 0!important;margin-top:60px!important;border-top:3px solid var(--usb-emerald)!important}.footer-container{max-width:1240px;margin:0 auto;padding:0 24px}.footer-grid-columns{display:grid;grid-template-columns:1fr;gap:36px;margin-bottom:48px}@media (min-width:640px){.footer-grid-columns{grid-template-columns:repeat(2,1fr)}}@media (min-width:1024px){.footer-grid-columns{grid-template-columns:1.4fr 1fr 1fr 1fr}}.footer-col-title{font-size:14px;font-weight:800;color:#FFF;text-transform:uppercase;letter-spacing:.08em;margin-bottom:18px}.footer-links-list{list-style:none;padding:0;margin:0;display:flex;flex-direction:column;gap:10px}.footer-links-list li a{color:#CBD5E1!important;font-size:13.5px;text-decoration:none;transition:color 0.2s ease}.footer-links-list li a:hover{color:var(--usb-emerald)!important;padding-left:4px}.footer-bottom-bar{padding-top:24px;border-top:1px solid rgb(255 255 255 / .08);font-size:12px;color:#64748B;display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:12px}