#phc-nehpa .ms-programs{grid-template-columns:repeat(3,minmax(0,1fr));gap:54px 34px}#phc-nehpa .ms-programs .nh-svc-media{min-height:330px}#phc-nehpa .ms-programs .nh-svc-body{padding:32px 28px 34px}#phc-nehpa .ms-programs .nh-svc:nth-child(1) .nh-svc-body{padding-bottom:34px}#phc-nehpa .ms-programs .nh-svc-chip{display:none}#phc-nehpa .ms-programs .nh-fig{font-size:clamp(2.3rem,4vw,3.4rem)}#phc-nehpa .ms-programs .nh-fig-lab{max-width:24ch}#phc-nehpa .ms-programs .nh-svc-copy p{max-width:none}#phc-nehpa .ms-programs .nh-svc-media::before{background-image:linear-gradient(168deg,rgba(6,22,41,.5) 0%,rgba(11,41,72,.4) 46%,rgba(17,63,128,.34) 100%),linear-gradient(to top,rgba(4,16,30,.94) 0%,rgba(4,16,30,.62) 34%,rgba(4,16,30,.12) 70%,rgba(4,16,30,0) 92%)}#phc-nehpa .ms-programs .nh-svc-media::after{opacity:.8}#phc-nehpa .ms-loan-zero{position:relative;z-index:1;display:inline-flex;flex-direction:column;align-items:flex-start;margin:0;padding:14px 16px;border:1px solid rgba(255,255,255,.2);border-radius:16px;background:rgba(6,22,41,.34);box-shadow:inset 0 1px 0 rgba(255,255,255,.06);color:#fff;max-width:220px}#phc-nehpa .ms-loan-zero::before{display:none;content:none}#phc-nehpa .ms-loan-zero strong{display:block;font-size:24px;font-weight:700;line-height:1.05;letter-spacing:-.02em;color:#fff}#phc-nehpa .ms-loan-zero span{display:block;margin-top:6px;font-size:12.5px;line-height:1.45;font-weight:500;letter-spacing:normal;color:rgba(255,255,255,.92)}#phc-nehpa .ms-loan-facts{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));margin-top:30px;border-top:1px solid var(--phc-line);border-bottom:1px solid var(--phc-line)}#phc-nehpa .ms-loan-fact{position:relative;min-width:0;padding:20px 18px 19px 0}#phc-nehpa .ms-loan-fact+.ms-loan-fact{padding-left:20px;border-left:1px solid var(--phc-line)}#phc-nehpa .ms-loan-fact::before{content:"";position:absolute;left:0;top:-1px;width:40px;height:3px;background:linear-gradient(90deg,var(--phc-red) 0 16px,var(--phc-blue) 16px 100%)}#phc-nehpa .ms-loan-fact+.ms-loan-fact::before{left:20px}#phc-nehpa .ms-loan-fact b{display:block;font-size:22px;line-height:1.15;font-weight:700;color:var(--phc-blue-deep)}#phc-nehpa .ms-loan-fact span{display:block;margin-top:6px;font-size:12.5px;line-height:1.45;color:var(--phc-copy)}#phc-nehpa .ms-service-photo-copy{position:absolute;left:24px;right:auto;bottom:24px;max-width:320px;padding:18px;background:linear-gradient(180deg,rgba(6,22,41,.36) 0%,rgba(6,22,41,.72) 100%);border-radius:18px;border:1px solid rgba(255,255,255,.1);backdrop-filter:blur(3px)}#phc-nehpa .ms-service-photo-copy span{display:block;font-size:11px;font-weight:700;letter-spacing:.13em;text-transform:uppercase;color:rgba(255,255,255,.92)}#phc-nehpa .ms-service-photo-copy strong{display:block;margin-top:10px;font-size:17px;font-weight:600;line-height:1.34;color:#fff;max-width:14ch}#phc-nehpa .ms-service-windows{margin-top:30px;border-top:1px solid #d6e2ec}#phc-nehpa .ms-service-window{display:grid;grid-template-columns:170px minmax(0,1fr);gap:18px;align-items:start;padding:18px 0;border-bottom:1px solid #d6e2ec}#phc-nehpa .ms-service-window b{display:block;font-size:17px;font-weight:600;line-height:1.32;color:var(--phc-blue)}#phc-nehpa .ms-service-window span{display:block;font-size:15px;line-height:1.64;color:var(--phc-copy);max-width:44ch}#phc-nehpa .ms-service-list{margin-top:24px;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px 22px}#phc-nehpa .ms-service-list li{position:relative;padding-left:28px;font-size:14px;line-height:1.55;color:var(--phc-copy)}#phc-nehpa .ms-service-list li::before{content:"";position:absolute;left:0;top:2px;width:18px;height:18px;border-radius:50%;background:var(--phc-soft-blue) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='%232d63b7'%3E%3Cpath d='M9.6 16.9 5.7 13l1.4-1.4 2.5 2.5 7-7L18 8.5z'/%3E%3C/svg%3E") center/12px no-repeat}#phc-nehpa .ms-programs .nh-svc:nth-child(4){grid-column:1}#phc-nehpa .ms-programs .nh-svc:nth-child(5){grid-column:2}#phc-nehpa .ms-program-section{position:relative;padding-top:104px;padding-bottom:108px;background:linear-gradient(180deg,#f4f8fc 0%,#f8fbfe 52%,#f4f8fc 100%)}#phc-nehpa .ms-program-section>.nh-wrap>h2{max-width:27ch;margin:0 auto;text-align:center}#phc-nehpa .ms-program-section>.nh-wrap>h2::after{content:"";display:block;width:58px;height:3px;margin:24px auto 0;background:var(--phc-red)}#phc-nehpa .ms-programs{margin-top:58px;display:grid;grid-template-columns:repeat(12,minmax(0,1fr));gap:56px 28px;align-items:stretch}#phc-nehpa .ms-programs>.nh-svc{min-width:0;position:relative}#phc-nehpa .ms-programs>.nh-svc:nth-child(1),#phc-nehpa .ms-programs>.nh-svc:nth-child(2),#phc-nehpa .ms-programs>.nh-svc:nth-child(3){grid-column:span 4;display:flex;flex-direction:column}#phc-nehpa .ms-programs>.nh-svc:nth-child(4),#phc-nehpa .ms-programs>.nh-svc:nth-child(5){grid-column:span 6;display:grid;grid-template-columns:minmax(0,.84fr) minmax(0,1.16fr);gap:18px;align-items:start;padding-top:34px;border-top:1px solid #d4e1ec}#phc-nehpa .ms-programs .nh-svc-media{min-height:322px;border-radius:18px;box-shadow:0 18px 44px rgba(8,37,68,.1);background-position:center 48%}#phc-nehpa .ms-programs>.nh-svc:nth-child(2) .nh-svc-media{background-position:center 52%}#phc-nehpa .ms-programs>.nh-svc:nth-child(3) .nh-svc-media{background-position:center 48%}#phc-nehpa .ms-programs>.nh-svc:nth-child(4) .nh-svc-media,#phc-nehpa .ms-programs>.nh-svc:nth-child(5) .nh-svc-media{min-height:430px;height:100%}#phc-nehpa .ms-programs .nh-svc-media::before,#phc-nehpa .ms-programs .nh-svc:nth-child(1) .nh-svc-media::before{background-image:linear-gradient(to top,rgba(4,16,30,.92) 0%,rgba(4,16,30,.58) 34%,rgba(4,16,30,.12) 69%,rgba(4,16,30,0) 88%),linear-gradient(168deg,rgba(6,22,41,.24) 0%,rgba(17,63,128,.16) 100%)}#phc-nehpa .ms-programs .nh-svc-media::after{background:linear-gradient(180deg,rgba(255,255,255,.06),transparent 34%)}#phc-nehpa .ms-programs .nh-svc-body{padding:30px 28px 28px;align-self:flex-end;width:100%}#phc-nehpa .ms-programs .nh-fig{font-size:clamp(2.9rem,4.25vw,3.65rem);line-height:.95;letter-spacing:-.045em}#phc-nehpa .ms-programs .nh-fig-rule{width:48px;margin:16px 0 12px}#phc-nehpa .ms-programs .nh-fig-lab{font-size:11px;line-height:1.45;letter-spacing:.105em;max-width:26ch}#phc-nehpa .ms-programs .nh-svc-copy{padding-top:24px;display:flex;flex-direction:column;min-width:0;flex:1}#phc-nehpa .ms-programs>.nh-svc:nth-child(4) .nh-svc-copy,#phc-nehpa .ms-programs>.nh-svc:nth-child(5) .nh-svc-copy{padding-top:2px}#phc-nehpa .ms-programs .nh-svc-copy h3{margin:0 0 14px;font-size:22px;line-height:1.28;font-weight:600;color:var(--phc-text)}#phc-nehpa .ms-programs .nh-svc-copy>p{font-size:15px;line-height:1.66;color:var(--phc-copy);max-width:none}#phc-nehpa .ms-programs .nh-checks{margin-top:22px;gap:0;border-top:1px solid #d8e4ee}#phc-nehpa .ms-programs .nh-checks li{display:grid;grid-template-columns:8px minmax(0,1fr);gap:12px;padding:10px 0;border-bottom:1px solid #d8e4ee;font-size:13.5px;line-height:1.48;color:var(--phc-copy)}#phc-nehpa .ms-programs .nh-checks li::before{width:5px;height:5px;margin-top:7px;border-radius:50%;background:var(--phc-red)}#phc-nehpa .ms-programs .nh-btn-row{margin-top:auto;padding-top:22px}#phc-nehpa .ms-programs .nh-link{display:inline-flex;align-items:center;gap:9px;border-bottom:0;color:var(--phc-blue-deep);font-size:14px;font-weight:600}#phc-nehpa .ms-programs .nh-link::after{content:"→";font-size:18px;line-height:1;transition:transform .22s ease}#phc-nehpa .ms-programs .nh-link:hover::after{transform:translateX(4px)}