.hub-module__kpnBea__hero{background:var(--jl-grad-hero);color:#fff;padding:clamp(4.5rem,4rem + 6vw,7rem) 0 clamp(2.5rem,2rem + 3vw,4rem);position:relative;overflow:hidden}.hub-module__kpnBea__hero:after{content:"";pointer-events:none;background:radial-gradient(80% 60% at 85% 0,#c9a84c2e,#0000 60%);position:absolute;inset:0}.hub-module__kpnBea__heroInner{z-index:1;position:relative}.hub-module__kpnBea__crumb{color:#ffffff8c;flex-wrap:wrap;gap:.45rem;margin-bottom:1rem;font-size:.82rem;display:flex}.hub-module__kpnBea__crumb a{color:#ffffffb3}.hub-module__kpnBea__crumb a:hover{color:#fff}.hub-module__kpnBea__heroEyebrow{letter-spacing:.14em;text-transform:uppercase;color:var(--jl-gold);margin-bottom:.9rem;font-size:.8rem;font-weight:600;display:inline-block}.jlhome-site h1.hub-module__kpnBea__heroTitle{color:#fff;max-width:24ch;font-size:clamp(2rem,1.4rem + 4vw,3.4rem);line-height:1.08}.hub-module__kpnBea__heroLead{color:#ffffffd1;max-width:54ch;margin-top:1.1rem;font-size:clamp(1.05rem,1rem + .5vw,1.25rem)}.hub-module__kpnBea__heroBadges{flex-wrap:wrap;gap:.5rem;margin:1.3rem 0 0;padding:0;list-style:none;display:flex}.hub-module__kpnBea__heroBadge{color:#ffffffeb;border-radius:var(--jl-r-pill);background:#ffffff12;border:1px solid #ffffff29;align-items:center;gap:.4rem;padding:.4rem .85rem;font-size:.82rem;font-weight:600;display:inline-flex}.hub-module__kpnBea__heroBadge:before{content:"✓";color:var(--jl-gold)}.hub-module__kpnBea__heroCtas{flex-wrap:wrap;gap:.8rem;margin-top:1.7rem;display:flex}.jlhome-site a.hub-module__kpnBea__heroGhost{color:#fff;background:#ffffff14;border:1.5px solid #ffffff8c}.jlhome-site a.hub-module__kpnBea__heroGhost:hover{color:#fff;background:#ffffff29;border-color:#fff}.hub-module__kpnBea__section{padding:clamp(2.6rem,2rem + 3vw,4.5rem) 0}.hub-module__kpnBea__cream{background:var(--jl-grad-warm)}.hub-module__kpnBea__navy{background:var(--jl-navy);color:#fff}.hub-module__kpnBea__eyebrow{letter-spacing:.14em;text-transform:uppercase;color:var(--jl-gold-text);margin-bottom:.6rem;font-size:.78rem;font-weight:700}.hub-module__kpnBea__navy .hub-module__kpnBea__eyebrow{color:var(--jl-gold)}.hub-module__kpnBea__h2{font-family:var(--jl-font-display);color:var(--jl-navy);max-width:28ch;font-size:clamp(1.5rem,1.25rem + 1.6vw,2.3rem)}.jlhome-site .hub-module__kpnBea__navy h2.hub-module__kpnBea__h2{color:#fff}.hub-module__kpnBea__sub{color:var(--jl-muted);max-width:62ch;margin-top:.8rem;line-height:1.6}.hub-module__kpnBea__subLight{color:#fffc;max-width:60ch;margin-top:.9rem;font-size:1.05rem;line-height:1.6}.hub-module__kpnBea__source{color:var(--jl-muted);max-width:62ch;margin-top:1rem;font-size:.85rem}.hub-module__kpnBea__inlineLink{color:var(--jl-gold-text);text-underline-offset:3px;font-weight:700;text-decoration:underline}.hub-module__kpnBea__lede{font-family:var(--jl-font-display);color:var(--jl-navy);max-width:54ch;font-size:clamp(1.25rem,1.05rem + 1.1vw,1.7rem);line-height:1.4}.hub-module__kpnBea__lede strong{color:var(--jl-gold-text)}.hub-module__kpnBea__cardGrid3{grid-template-columns:1fr;gap:1rem;margin-top:1.6rem;display:grid}@media (min-width:760px){.hub-module__kpnBea__cardGrid3{grid-template-columns:repeat(3,1fr)}}.hub-module__kpnBea__card{background:var(--jl-surface);border:1px solid var(--jl-line);border-top:3px solid var(--jl-gold);border-radius:var(--jl-r-lg);box-shadow:var(--jl-sh-card);flex-direction:column;gap:.5rem;padding:1.3rem;display:flex}.hub-module__kpnBea__cardKicker{text-transform:uppercase;letter-spacing:.08em;color:var(--jl-gold-text);font-size:.72rem;font-weight:700}.hub-module__kpnBea__cardTitle{font-family:var(--jl-font-display);color:var(--jl-navy);font-size:1.12rem}.hub-module__kpnBea__cardText{color:var(--jl-muted);font-size:.92rem;line-height:1.55}.hub-module__kpnBea__howGrid{grid-template-columns:1fr;gap:1rem;margin-top:1.6rem;display:grid}@media (min-width:560px){.hub-module__kpnBea__howGrid{grid-template-columns:repeat(2,1fr)}}@media (min-width:980px){.hub-module__kpnBea__howGrid{grid-template-columns:repeat(4,1fr)}}.hub-module__kpnBea__howCard{background:var(--jl-surface);border:1px solid var(--jl-line);border-radius:var(--jl-r-lg);box-shadow:var(--jl-sh-card);padding:1.3rem;position:relative}.hub-module__kpnBea__howNum{background:var(--jl-navy);color:#fff;width:2rem;height:2rem;font-family:var(--jl-font-display);border-radius:50%;justify-content:center;align-items:center;margin-bottom:.7rem;font-size:.95rem;font-weight:700;display:inline-flex}.hub-module__kpnBea__howTitle{font-family:var(--jl-font-display);color:var(--jl-navy);margin-bottom:.4rem;font-size:1.02rem}.hub-module__kpnBea__howText{color:var(--jl-muted);font-size:.9rem;line-height:1.55}.hub-module__kpnBea__warn{background:var(--jl-surface);border:1px solid var(--jl-line);border-left:3px solid var(--jl-gold);border-radius:var(--jl-r-md);color:var(--jl-muted);margin-top:1.5rem;padding:1rem 1.2rem;font-size:.92rem;line-height:1.6}.hub-module__kpnBea__warn strong{color:var(--jl-navy)}.hub-module__kpnBea__tableWrap{border-radius:var(--jl-r-lg);border:1px solid var(--jl-line);box-shadow:var(--jl-sh-card);margin-top:1.6rem;overflow-x:auto}.hub-module__kpnBea__table{border-collapse:collapse;background:var(--jl-surface);width:100%;min-width:560px;font-size:.95rem}.hub-module__kpnBea__table thead th{background:var(--jl-navy);color:#fff;font-family:var(--jl-font-display);text-align:left;padding:.85rem 1rem;font-size:.88rem;font-weight:600}.hub-module__kpnBea__table tbody th{text-align:left;font-family:var(--jl-font-display);color:var(--jl-navy);border-top:1px solid var(--jl-line);padding:.85rem 1rem;font-weight:700}.hub-module__kpnBea__table tbody td{text-align:left;color:var(--jl-navy);border-top:1px solid var(--jl-line);padding:.85rem 1rem}.hub-module__kpnBea__table tbody tr:nth-child(2n){background:var(--jl-grad-warm)}.hub-module__kpnBea__tdEco{color:var(--jl-gold-text);font-size:1.05rem;font-weight:700}.hub-module__kpnBea__statBand{grid-template-columns:repeat(2,1fr);gap:1rem;margin-top:1.6rem;display:grid}@media (min-width:760px){.hub-module__kpnBea__statBand{grid-template-columns:repeat(4,1fr)}}.hub-module__kpnBea__stat{background:var(--jl-surface);border:1px solid var(--jl-line);border-top:3px solid var(--jl-gold);border-radius:var(--jl-r-lg);box-shadow:var(--jl-sh-card);text-align:center;padding:1.3rem}.hub-module__kpnBea__statNum{font-family:var(--jl-font-display);color:var(--jl-gold-text);font-size:clamp(1.5rem,1.2rem + 1.4vw,2.1rem);line-height:1.05;display:block}.hub-module__kpnBea__statLabel{color:var(--jl-muted);margin-top:.4rem;font-size:.82rem;display:block}.hub-module__kpnBea__calloutGrid{grid-template-columns:1fr;gap:1rem;margin-top:1.6rem;display:grid}@media (min-width:760px){.hub-module__kpnBea__calloutGrid{grid-template-columns:repeat(2,1fr)}}.hub-module__kpnBea__callout{background:var(--jl-surface);border:1px solid var(--jl-line);border-left:3px solid var(--jl-gold);border-radius:var(--jl-r-md);box-shadow:var(--jl-sh-card);padding:1.3rem}.hub-module__kpnBea__calloutTitle{font-family:var(--jl-font-display);color:var(--jl-navy);margin-bottom:.5rem;font-size:1.1rem}.hub-module__kpnBea__calloutText{color:var(--jl-muted);font-size:.92rem;line-height:1.6}.hub-module__kpnBea__calloutText strong{color:var(--jl-navy)}.hub-module__kpnBea__relLinks{flex-wrap:wrap;gap:.6rem;margin-top:1.5rem;display:flex}.hub-module__kpnBea__relLink{background:var(--jl-surface);border:1px solid var(--jl-line);border-radius:var(--jl-r-pill);color:var(--jl-navy);box-shadow:var(--jl-sh-card);align-items:center;padding:.55rem 1rem;font-size:.92rem;font-weight:600;transition:border-color .18s,transform .18s;display:inline-flex}.hub-module__kpnBea__relLink:hover{border-color:var(--jl-gold);transform:translateY(-1px)}.hub-module__kpnBea__faq{flex-direction:column;gap:.7rem;max-width:820px;margin-top:1.5rem;display:flex}.hub-module__kpnBea__faqItem{background:var(--jl-surface);border:1px solid var(--jl-line);border-radius:var(--jl-r-md);box-shadow:var(--jl-sh-card);overflow:hidden}.hub-module__kpnBea__faqItem summary{cursor:pointer;font-family:var(--jl-font-display);color:var(--jl-navy);justify-content:space-between;align-items:center;gap:1rem;padding:1.05rem 1.2rem;font-size:1.05rem;list-style:none;display:flex}.hub-module__kpnBea__faqItem summary::-webkit-details-marker{display:none}.hub-module__kpnBea__faqItem summary:after{content:"+";color:var(--jl-gold-text);font-size:1.4rem;line-height:1}.hub-module__kpnBea__faqItem[open] summary:after{content:"−"}.hub-module__kpnBea__faqAnswer{color:var(--jl-muted);padding:0 1.2rem 1.15rem;line-height:1.6}.hub-module__kpnBea__finalCta{text-align:center}.hub-module__kpnBea__finalCta .hub-module__kpnBea__h2{margin:0 auto}.jlhome-site .hub-module__kpnBea__navy a.hub-module__kpnBea__relLink{color:var(--jl-navy)}.jlhome-site .hub-module__kpnBea__navy a.hub-module__kpnBea__relLink:hover{color:var(--jl-navy);border-color:var(--jl-gold)}