/* TMUA page styles - scoped to .tmua */
.tmua{--navy:#0B2545;--navy-2:#123163;--gold:#D4AF37;--gold-light:#F1E4B8;--coral:#E06B44;--coral-dark:#C8532E;--bg-soft:#F4F6F9;--bg-soft-2:#EEF1F6;--text-body:#5C6D80;--text-muted:#7C8798;--white:#FFFFFF;--line:#E4E8EF;--radius:14px;--shadow-sm:0 2px 10px rgba(11,37,69,.06);--shadow-md:0 14px 40px rgba(11,37,69,.10);--shadow-lg:0 24px 60px rgba(11,37,69,.16);}
.tmua *{box-sizing:border-box;}
html:has(.tmua){scroll-behavior:smooth;}
.tmua{margin:0;font-family:'Montserrat',-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,sans-serif;color:var(--text-body);background:var(--white);line-height:1.7;-webkit-font-smoothing:antialiased;font-size:16px;}
.tmua img{max-width:100%;display:block;}
.tmua a{text-decoration:none;color:inherit;}
.tmua ul{margin:0;padding:0;list-style:none;}
.tmua .tm-wrap{max-width:1160px;margin:0 auto;padding:0 24px;}
.tmua .tm-eyebrow{display:inline-flex;align-items:center;gap:10px;font-family:'PT Sans',sans-serif;font-weight:700;font-size:12.5px;letter-spacing:2.2px;text-transform:uppercase;color:var(--gold);margin-bottom:18px;}
.tmua .tm-eyebrow::before{content:"";display:inline-block;width:26px;height:2px;background:var(--gold);}
.tmua h1,.tmua h2,.tmua h3,.tmua h4{font-family:'Montserrat',sans-serif;color:var(--navy);margin:0;font-weight:800;letter-spacing:-.02em;text-transform:none;}
.tmua h2{font-size:clamp(26px,3.4vw,38px);line-height:1.25;}
.tmua h3{font-size:20px;line-height:1.35;font-weight:700;}
.tmua p{margin:0 0 16px;}
.tmua .tm-lede{font-size:18px;color:var(--text-body);}
.tmua .tm-section{padding:96px 0;}
.tmua .tm-section-head{max-width:760px;margin:0 auto 56px;text-align:center;}
.tmua .tm-section-head p{font-size:17px;}
.tmua .tm-section-soft{background:var(--bg-soft);}
.tmua .tm-section-navy{background:linear-gradient(160deg,var(--navy) 0%,var(--navy-2) 100%);color:#C9D3E0;}
.tmua .tm-section-navy h2,.tmua .tm-section-navy h3{color:#fff;}
.tmua .tm-btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;padding:16px 32px;border-radius:8px;font-weight:700;font-size:14.5px;letter-spacing:.4px;text-transform:uppercase;cursor:pointer;border:none;transition:all .25s ease;}
.tmua .tm-btn-primary{background:#D4AF37;color:#fff;box-shadow:0 10px 26px rgba(212,175,55,.35);}
.tmua .tm-btn-primary:hover{background:#B9962B;transform:translateY(-2px);box-shadow:0 16px 34px rgba(185,150,43,.42);color:#fff;}
.tmua .tm-btn-outline{background:transparent;color:#fff;border:1.5px solid rgba(255,255,255,.45);}
.tmua .tm-btn-outline:hover{background:rgba(255,255,255,.1);border-color:#fff;color:#fff;}
.tmua .tm-hero{position:relative;overflow:hidden;background:linear-gradient(158deg,var(--navy) 0%,var(--navy-2) 55%,#1a3f78 100%);padding:120px 0 90px;color:#fff;}
.tmua .tm-hero::before{content:"";position:absolute;inset:0;background-image:radial-gradient(circle at 85% 15%,rgba(212,175,55,.16),transparent 45%),radial-gradient(circle at 8% 90%,rgba(224,107,68,.14),transparent 40%);pointer-events:none;}
.tmua .tm-hero-grid{position:relative;z-index:1;display:grid;grid-template-columns:1.15fr .85fr;gap:56px;align-items:center;}
.tmua .tm-hero h1{color:#fff;font-size:clamp(34px,4.4vw,52px);line-height:1.16;margin-bottom:22px;}
.tmua .tm-hero h1 span{color:var(--gold);}
.tmua .tm-hero .tm-lede{color:#C9D3E0;font-size:18px;max-width:560px;}
.tmua .tm-hero-ctas{display:flex;gap:16px;flex-wrap:wrap;margin-top:34px;}
.tmua .tm-hero-badges{display:flex;gap:28px;flex-wrap:wrap;margin-top:44px;padding-top:28px;border-top:1px solid rgba(255,255,255,.14);}
.tmua .tm-hero-badge{display:flex;align-items:center;gap:10px;font-size:13.5px;font-weight:600;color:#DCE3EC;}
.tmua .tm-hero-badge svg{flex:none;}
.tmua .tm-hero-card{position:relative;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.14);border-radius:var(--radius);padding:34px;backdrop-filter:blur(6px);}
.tmua .tm-hero-card h3{color:#fff;font-size:16px;letter-spacing:.3px;text-transform:uppercase;margin-bottom:20px;}
.tmua .tm-hero-stat-row{display:flex;justify-content:space-between;align-items:baseline;padding:14px 0;border-bottom:1px solid rgba(255,255,255,.12);}
.tmua .tm-hero-stat-row:last-of-type{border-bottom:none;}
.tmua .tm-hero-stat-row .tm-num{font-size:26px;font-weight:800;color:var(--gold);}
.tmua .tm-hero-stat-row .tm-lbl{font-size:13.5px;color:#C9D3E0;text-align:right;max-width:220px;}
.tmua .tm-hero-card-note{margin-top:22px;font-size:12.5px;color:#9FB0C6;}
.tmua .tm-stat-strip{background:var(--white);border-bottom:1px solid var(--line);}
.tmua .tm-stat-strip .tm-wrap{display:grid;grid-template-columns:repeat(4,1fr);padding:38px 24px;gap:20px;}
.tmua .tm-stat-strip .tm-item{text-align:center;padding:0 12px;border-right:1px solid var(--line);}
.tmua .tm-stat-strip .tm-item:last-child{border-right:none;}
.tmua .tm-stat-strip .tm-num{font-size:26px;font-weight:800;color:var(--navy);}
.tmua .tm-stat-strip .tm-lbl{font-size:12.5px;color:var(--text-muted);text-transform:uppercase;letter-spacing:.6px;font-weight:600;margin-top:4px;}
.tmua .tm-two-col{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:start;}
.tmua .tm-check-list li{display:flex;gap:12px;align-items:flex-start;margin-bottom:14px;font-size:15.5px;color:var(--text-body);}
.tmua .tm-check-list li svg{flex:none;margin-top:3px;}
.tmua .tm-info-card{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:28px;box-shadow:var(--shadow-sm);}
.tmua .tm-cards-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;}
.tmua .tm-cards-grid.tm-cols-2{grid-template-columns:repeat(2,1fr);}
.tmua .tm-cards-grid.tm-cols-4{grid-template-columns:repeat(4,1fr);}
.tmua .tm-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:32px 28px;box-shadow:var(--shadow-sm);transition:all .3s ease;height:100%;margin:0;}
.tmua .tm-card:hover{transform:translateY(-6px);box-shadow:var(--shadow-md);border-color:transparent;}
.tmua .tm-card .tm-icon-wrap{width:52px;height:52px;border-radius:12px;background:linear-gradient(135deg,var(--navy),var(--navy-2));display:flex;align-items:center;justify-content:center;margin-bottom:20px;}
.tmua .tm-card h3{margin-bottom:10px;}
.tmua .tm-card p{font-size:14.8px;margin-bottom:0;}
.tmua .tm-card .tm-icon-wrap.tm-gold{background:linear-gradient(135deg,#D4AF37,#B8912A);}
.tmua .tm-card .tm-icon-wrap.tm-coral{background:linear-gradient(135deg,var(--coral),var(--coral-dark));}
.tmua .tm-callout{background:linear-gradient(135deg,var(--navy),var(--navy-2));border-radius:20px;padding:44px 48px;color:#fff;position:relative;overflow:hidden;margin:56px 0 0;}
.tmua .tm-callout::after{content:"";position:absolute;top:-40px;right:-40px;width:220px;height:220px;border-radius:50%;background:rgba(212,175,55,.14);}
.tmua .tm-callout .tm-tag{display:inline-block;background:var(--gold);color:var(--navy);font-weight:800;font-size:11.5px;letter-spacing:1.2px;text-transform:uppercase;padding:6px 14px;border-radius:20px;margin-bottom:16px;}
.tmua .tm-callout h3{color:#fff;font-size:24px;margin-bottom:14px;position:relative;z-index:1;}
.tmua .tm-table-wrap{overflow-x:auto;border-radius:var(--radius);box-shadow:var(--shadow-sm);border:1px solid var(--line);}
.tmua table{width:100%;border-collapse:collapse;background:#fff;font-size:14.8px;margin:0;}
.tmua thead th{background:var(--navy);color:#fff;text-align:left;padding:16px 20px;font-weight:700;font-size:13px;letter-spacing:.4px;text-transform:uppercase;}
.tmua tbody td{padding:15px 20px;border-bottom:1px solid var(--line);}
.tmua tbody tr:last-child td{border-bottom:none;}
.tmua tbody tr:nth-child(even){background:var(--bg-soft);}
.tmua tbody td strong{color:var(--navy);}
.tmua .tm-table-wrap.tm-uni thead th:last-child,.tmua .tm-table-wrap.tm-uni tbody td:last-child{text-align:right;white-space:nowrap;}
.tmua .tm-badge{display:inline-block;padding:4px 11px;border-radius:20px;font-size:11.5px;font-weight:700;letter-spacing:.3px;}
.tmua .tm-badge.tm-req{background:#FBEAE4;color:var(--coral-dark);}
.tmua .tm-badge.tm-rec{background:var(--gold-light);color:#8A6E10;}
.tmua .tm-pricing-card{background:#fff;border-radius:20px;box-shadow:var(--shadow-lg);border:1px solid var(--line);padding:44px;display:grid;grid-template-columns:1.1fr .9fr;gap:44px;align-items:center;position:relative;}
.tmua .tm-pricing-card::before{content:"";position:absolute;top:0;left:0;right:0;height:6px;background:linear-gradient(90deg,var(--gold),var(--coral));border-radius:20px 20px 0 0;}
.tmua .tm-pricing-fee{text-align:center;background:var(--bg-soft);border-radius:16px;padding:34px 24px;}
.tmua .tm-pricing-fee .tm-amt{font-size:40px;font-weight:900;color:var(--navy);}
.tmua .tm-pricing-fee .tm-sub{font-size:12.5px;color:var(--text-muted);margin-top:6px;}
.tmua .tm-pricing-fee .tm-btn{width:100%;margin-top:20px;}
.tmua .tm-timeline{position:relative;padding-left:0;}
.tmua .tm-tl-item{display:grid;grid-template-columns:64px 1fr;gap:26px;position:relative;padding-bottom:44px;}
.tmua .tm-tl-item:last-child{padding-bottom:0;}
.tmua .tm-tl-dot{width:64px;height:64px;border-radius:50%;background:var(--navy);color:var(--gold);display:flex;align-items:center;justify-content:center;font-weight:800;font-size:20px;box-shadow:0 0 0 6px #fff,0 0 0 7px var(--line);position:relative;z-index:1;}
.tmua .tm-tl-item::before{content:"";position:absolute;left:31px;top:64px;bottom:-8px;width:2px;background:var(--line);}
.tmua .tm-tl-item:last-child::before{display:none;}
.tmua .tm-tl-content h3{margin-bottom:8px;}
.tmua .tm-tl-content p{font-size:15px;margin-bottom:8px;}
.tmua .tm-results-band{background:linear-gradient(160deg,var(--navy),var(--navy-2));color:#fff;}
.tmua .tm-results-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:20px;text-align:center;}
.tmua .tm-results-grid .tm-num{font-size:32px;font-weight:900;color:var(--gold);}
.tmua .tm-results-grid .tm-lbl{font-size:12.5px;color:#C9D3E0;margin-top:8px;line-height:1.5;}
.tmua .tm-names-row{display:flex;gap:20px;flex-wrap:wrap;justify-content:center;margin-top:52px;}
.tmua .tm-name-chip{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.15);border-radius:12px;padding:16px 26px;text-align:center;min-width:200px;}
.tmua .tm-name-chip .tm-n{font-weight:700;color:#fff;font-size:15px;}
.tmua .tm-name-chip .tm-u{font-size:12.5px;color:var(--gold);margin-top:4px;}
.tmua .tm-loc-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;box-shadow:var(--shadow-sm);}
.tmua .tm-loc-card h3{display:flex;align-items:center;gap:10px;margin-bottom:12px;}
.tmua .tm-loc-card p{font-size:14.5px;margin-bottom:0;}
.tmua .tm-faq-item{border-bottom:1px solid var(--line);}
.tmua .tm-faq-item:first-child{border-top:1px solid var(--line);}
.tmua .tm-faq-q{display:flex;justify-content:space-between;align-items:center;gap:20px;padding:22px 4px;cursor:pointer;font-weight:700;color:var(--navy);font-size:16px;}
.tmua .tm-faq-q .tm-plus{flex:none;width:26px;height:26px;border-radius:50%;background:var(--bg-soft);color:var(--navy);display:flex;align-items:center;justify-content:center;font-size:16px;transition:transform .25s ease;}
.tmua .tm-faq-item.tm-open .tm-faq-q .tm-plus{transform:rotate(45deg);background:var(--gold);color:#fff;}
.tmua .tm-faq-a{max-height:0;overflow:hidden;transition:max-height .3s ease;}
.tmua .tm-faq-a-inner{padding:0 4px 22px;font-size:15px;color:var(--text-body);}
.tmua .tm-final-cta{background:linear-gradient(135deg,var(--coral),var(--coral-dark));border-radius:24px;padding:56px;text-align:center;color:#fff;margin:0;position:relative;overflow:hidden;}
.tmua .tm-final-cta::before{content:"";position:absolute;inset:0;background:radial-gradient(circle at 20% 20%,rgba(255,255,255,.15),transparent 50%);}
.tmua .tm-final-cta h2{color:#fff;position:relative;z-index:1;}
.tmua .tm-final-cta p{color:rgba(255,255,255,.9);font-size:16.5px;max-width:600px;margin:14px auto 30px;position:relative;z-index:1;}
.tmua .tm-final-cta .tm-hero-ctas{justify-content:center;position:relative;z-index:1;}
.tmua .tm-final-cta .tm-btn-outline{border-color:rgba(255,255,255,.6);}
.tmua .tm-final-cta .tm-btn-outline:hover{background:rgba(255,255,255,.15);}
.tmua .tm-final-cta .tm-btn-primary{background:#fff;color:var(--coral-dark);box-shadow:0 10px 26px rgba(0,0,0,.2);}
.tmua .tm-final-cta .tm-btn-primary:hover{background:var(--navy);color:#fff;}
.tmua .tm-tr-head td{background:var(--navy)!important;color:#fff;font-weight:700;}
.tmua .tm-callout .tm-callout-text,.tmua .tm-callout .tm-callout-text p{color:#C9D3E0;font-size:15.5px;max-width:780px;position:relative;z-index:1;margin-bottom:0;}
.tmua .tm-callout .tm-callout-text strong{color:#fff;}
.tmua .tm-note{font-size:13px;color:var(--text-muted);margin-top:14px;}
.tmua .tm-navy-body p{color:#C9D3E0;}
.tmua .tm-check-list.tm-on-navy li{color:#DCE3EC;}
.tmua .tm-on-navy strong{color:#fff;}
.tmua .tm-results-note{text-align:center;font-size:13px;color:#9FB0C6;max-width:680px;margin:36px auto 0;}
.tmua .tm-faq-a-inner p:last-child{margin-bottom:0;}
.tmua .tm-results-band .tm-section-head h2{color:#fff;}
.tmua .tm-results-band .tm-section-head p{color:#C9D3E0;}
@media (max-width:900px){.tmua .tm-hero-grid{grid-template-columns:1fr;}
.tmua .tm-two-col{grid-template-columns:1fr;gap:36px;}
.tmua .tm-cards-grid{grid-template-columns:1fr 1fr;}
.tmua .tm-cards-grid.tm-cols-4{grid-template-columns:1fr 1fr;}
.tmua .tm-stat-strip .tm-wrap{grid-template-columns:1fr 1fr;}
.tmua .tm-results-grid{grid-template-columns:1fr 1fr;}
.tmua .tm-pricing-card{grid-template-columns:1fr;}
.tmua .tm-section{padding:64px 0;}
}
@media (max-width:560px){.tmua .tm-cards-grid,.tmua .tm-cards-grid.tm-cols-4,.tmua .tm-cards-grid.tm-cols-2{grid-template-columns:1fr;}
.tmua .tm-stat-strip .tm-item:nth-child(2n){border-right:none;}
.tmua .tm-callout{padding:30px;}
.tmua .tm-final-cta{padding:36px 24px;}
.tmua .tm-hero{padding:90px 0 60px;}
}

.tmua .tm-two-col.tm-why{align-items:center;}
.tmua .tm-check-list.tm-on-navy{align-self:center;}
.tmua .tm-section-navy.tm-matters{background:#E3EDF9;color:var(--text-body);}
.tmua .tm-section-navy.tm-matters h2{color:var(--navy);}
.tmua .tm-matters .tm-navy-body p{color:var(--text-body);}
.tmua .tm-matters .tm-check-list.tm-on-navy li{color:var(--text-body);}
.tmua .tm-matters .tm-on-navy strong{color:var(--navy);}
.tmua .tm-final-cta{background:linear-gradient(135deg,#DDB93F 0%,#C9A02A 50%,#A88420 100%);box-shadow:0 24px 60px rgba(168,132,32,.28);}
.tmua .tm-final-cta::before{background:radial-gradient(circle at 18% 15%,rgba(255,255,255,.28),transparent 55%);}
.tmua .tm-final-cta .tm-eyebrow::before{background:#fff;}
.tmua .tm-final-cta h2{text-shadow:0 2px 10px rgba(90,66,8,.25);}
.tmua .tm-final-cta p{color:#fff;text-shadow:0 1px 6px rgba(90,66,8,.25);}
.tmua .tm-final-cta .tm-btn-primary{background:#fff;color:#9A7714;box-shadow:0 10px 26px rgba(90,66,8,.22);}
.tmua .tm-final-cta .tm-btn-primary:hover{background:#0B2545;color:#fff;}
.tmua .tm-final-cta .tm-btn-outline{border-color:rgba(255,255,255,.8);}

/* ---- images ---- */
.tmua .tm-hero.tm-hero-img{background-image:linear-gradient(158deg,rgba(11,37,69,.93) 0%,rgba(18,49,99,.88) 55%,rgba(26,63,120,.84) 100%),var(--tm-hero-img);background-size:cover;background-position:center;}
.tmua .tm-card-img{margin:-28px -28px 24px;border-radius:14px 14px 0 0;overflow:hidden;}
.tmua .tm-card-img img{display:block;width:100%;height:220px;object-fit:cover;}
.tmua .tm-callout.tm-has-img{display:grid;grid-template-columns:1fr 280px;gap:44px;align-items:center;}
.tmua .tm-callout-body{position:relative;z-index:1;}
.tmua .tm-callout-img{position:relative;z-index:1;border-radius:14px;overflow:hidden;align-self:stretch;min-height:280px;box-shadow:0 14px 34px rgba(0,0,0,.28);}
.tmua .tm-callout-img img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;}
.tmua .tm-figure{margin:28px 0 0;border-radius:14px;overflow:hidden;box-shadow:var(--shadow-md);}
.tmua .tm-figure img{display:block;width:100%;height:230px;object-fit:cover;}
.tmua .tm-banner{margin:0 0 44px;border-radius:20px;overflow:hidden;box-shadow:var(--shadow-md);}
.tmua .tm-banner img{display:block;width:100%;height:340px;object-fit:cover;object-position:center 62%;}
@media (max-width:900px){
.tmua .tm-callout.tm-has-img{grid-template-columns:1fr;gap:28px;}
.tmua .tm-callout-img{min-height:220px;}
.tmua .tm-banner img{height:240px;}
}

.tmua .tm-card .tm-icon-wrap.tm-coral{background:linear-gradient(135deg,#1a3f78,#123163);}

/* ---- premium image tweaks ---- */
.tmua .tm-hero.tm-hero-img{background-image:linear-gradient(100deg,rgba(11,37,69,.93) 0%,rgba(11,37,69,.8) 48%,rgba(18,49,99,.55) 100%),var(--tm-hero-img);background-size:cover;background-position:center 60%;}
.tmua .tm-callout.tm-has-img{padding:0;gap:0;grid-template-columns:1fr 400px;align-items:stretch;}
.tmua .tm-callout.tm-has-img .tm-callout-body{padding:44px 48px;}
.tmua .tm-callout.tm-has-img .tm-callout-img{border-radius:0;box-shadow:none;min-height:100%;align-self:stretch;}
.tmua .tm-callout.tm-has-img .tm-callout-img img{object-position:center 35%;}
.tmua .tm-callout.tm-has-img .tm-callout-img::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(11,37,69,.6),transparent 45%);}
.tmua .tm-matters-grid{align-items:center;gap:72px;grid-template-columns:1.05fr .95fr;}
.tmua .tm-visual{position:relative;padding:0 24px 24px 0;}
.tmua .tm-visual::before{content:"";position:absolute;right:0;bottom:0;width:calc(100% - 24px);height:calc(100% - 24px);border:2px solid #D4AF37;border-radius:24px;}
.tmua .tm-visual-frame{position:relative;border-radius:24px;overflow:hidden;box-shadow:0 30px 70px rgba(11,37,69,.28);aspect-ratio:4/5;background:#0B2545;}
.tmua .tm-visual-frame img{display:block;width:100%;height:100%;object-fit:cover;object-position:82% 72%;}
.tmua .tm-visual-frame::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,transparent 55%,rgba(11,37,69,.45) 100%);pointer-events:none;}
@media (max-width:900px){
.tmua .tm-matters-grid{grid-template-columns:1fr;gap:40px;}
.tmua .tm-visual-frame{aspect-ratio:4/3;}
.tmua .tm-callout.tm-has-img{grid-template-columns:1fr;}
.tmua .tm-callout.tm-has-img .tm-callout-body{padding:30px;}
.tmua .tm-callout.tm-has-img .tm-callout-img{min-height:240px;}
}

/* icon colours per section */
.tmua .tm-cards-grid.tm-ic-gold .tm-card .tm-icon-wrap{background:linear-gradient(135deg,#D4AF37,#B8912A);}
.tmua .tm-cards-grid.tm-ic-blue .tm-card .tm-icon-wrap{background:linear-gradient(135deg,#0B2545,#123163);}

.tmua .tm-visual-frame img{object-position:center 30%;}
.tmua .tm-callout.tm-has-img .tm-callout-img img{object-position:28% 50%;}