/* Layout: a private-bank editorial site. Deep navy chapters alternate with white and porcelain; one 1240px column; thin hairlines instead of boxes; light display type echoing the wide logo. */
:root{
  --ink:#06142E; --navy:#0A1F44; --deep:#040D20;
  --paper:#FFFFFF; --porcelain:#F5F7FA; --line:#DCE3EC; --line-dark:rgba(157,190,234,.22);
  --text:#0A1F44; --slate:#4B5568; --muted:#5D6779;
  --mist:#C9D5E6; --mist-2:#AEBDD3; --sky:#9DBEEA; --accent:#1F5FA8; --gray:#8E8F90;
  --display:'Jost','Gill Sans','Gill Sans MT',Futura,'Trebuchet MS',sans-serif;
  --body:Calibri,Carlito,'Segoe UI',sans-serif;
  --max:1240px; --gut:clamp(16px,5vw,64px);
  color-scheme: light;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--paper);color:var(--text);font-family:var(--body);font-size:18px;line-height:1.62;-webkit-font-smoothing:antialiased}
h1,h2,h3,h4{font-family:var(--display);font-weight:300;margin:0;letter-spacing:-.01em;text-wrap:balance;line-height:1.08}
p{margin:0}
a{color:var(--accent);text-underline-offset:3px}
a:hover{color:var(--navy)}
button,input,select,textarea{font-family:inherit}
button{cursor:pointer}
img{max-width:100%;display:block}
:focus-visible{outline:2px solid var(--sky);outline-offset:3px}
.wrap{max-width:var(--max);margin:0 auto;padding-inline:var(--gut)}
.sec{padding-block:clamp(72px,9vw,136px)}
.sec.tight{padding-block:clamp(56px,6vw,88px)}
.bg-porcelain{background:var(--porcelain)}
.bg-ink{background:var(--ink);color:var(--paper)}
.bg-ink h2,.bg-ink h3,.bg-ink h4{color:var(--paper)}
.bg-ink .lead,.bg-ink p{color:var(--mist)}
.h2{font-size:clamp(34px,4.4vw,60px)}
.h3{font-size:clamp(26px,2.4vw,34px)}
.lead{margin-top:22px;max-width:60ch;color:var(--slate);font-size:clamp(18px,1.4vw,20px)}
.kicker{font-family:var(--display);font-weight:400;font-size:14px;letter-spacing:.22em;text-transform:uppercase;color:var(--accent)}
.bg-ink .kicker,.hero .kicker{color:var(--sky)}
.rule{height:1px;background:var(--line);border:0;margin:0}
.fine{font-size:14px;color:var(--muted);line-height:1.6}
.bg-ink .fine{color:var(--mist-2)}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:52px;padding:0 28px;border-radius:2px;font-family:var(--display);font-weight:500;font-size:15px;letter-spacing:.06em;text-decoration:none;border:1px solid transparent;transition:background .25s,color .25s,border-color .25s;cursor:pointer;background:none}
.btn-light{background:var(--paper);color:var(--ink)} .btn-light:hover{background:var(--porcelain);color:var(--ink)}
.btn-outline-light{border-color:rgba(255,255,255,.55);color:var(--paper)} .btn-outline-light:hover{background:rgba(255,255,255,.08);color:var(--paper)}
.btn-dark{background:var(--navy);color:var(--paper)} .btn-dark:hover{background:var(--accent);color:var(--paper)}
.btn-outline{border-color:var(--navy);color:var(--navy)} .btn-outline:hover{background:var(--navy);color:var(--paper)}
.btns{display:flex;flex-wrap:wrap;gap:12px}
.textlink{font-family:var(--display);font-weight:500;font-size:15px;letter-spacing:.06em;color:var(--accent);text-decoration:none;border-bottom:1px solid currentColor;padding-bottom:2px;cursor:pointer;background:none;border-top:0;border-left:0;border-right:0}
.bg-ink .textlink,.hero .textlink{color:var(--sky)}

/* header */
.top{position:sticky;top:env(safe-area-inset-top,0px);z-index:40;transition:background .35s,box-shadow .35s}
.top.solid,.top.open{background:rgba(6,20,46,.97);box-shadow:0 1px 0 var(--line-dark)}
.top .wrap{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:84px}
.brand{display:block;flex:none}
.brand img{width:168px}
.nav{display:flex;align-items:center;gap:6px 20px}
.nav a,.nav button.navlink{font-family:var(--display);font-weight:400;font-size:15px;letter-spacing:.03em;color:#DCE5F2;text-decoration:none;background:none;border:0;padding:6px 0;cursor:pointer;white-space:nowrap}
.nav a:hover,.nav button.navlink:hover,.nav a.on,.nav button.navlink.on{color:var(--paper)}
.nav a.on{box-shadow:inset 0 -1px 0 var(--sky)}
.dd{position:relative}
.dd-menu{position:absolute;top:calc(100% + 14px);left:-20px;min-width:290px;background:var(--ink);border:1px solid var(--line-dark);padding:10px 0;display:none}
.dd.open .dd-menu{display:block}
.dd-menu a{display:block;padding:11px 20px;color:#DCE5F2}
.dd-menu a:hover{background:rgba(157,190,234,.08)}
.nav .sep{width:1px;height:20px;background:var(--line-dark)}
.lang{display:flex;gap:4px}
.lang button{background:none;border:0;color:var(--mist-2);font-family:var(--display);font-size:14px;letter-spacing:.1em;padding:6px 4px;cursor:pointer}
.lang button[aria-pressed="true"]{color:var(--paper);box-shadow:inset 0 -1px 0 var(--sky)}
.nav .btn{min-height:44px;padding:0 20px}
.nav a.btn-light{background:var(--paper);color:var(--ink);font-weight:500}
.nav a.btn-light:hover{background:var(--porcelain);color:var(--ink)}
.menu-btn{display:none;background:none;border:1px solid var(--line-dark);color:var(--paper);min-height:44px;padding:0 16px;border-radius:2px;font-family:var(--display);letter-spacing:.08em;font-size:14px}
@media (max-width:1260px){
  .menu-btn{display:inline-flex;align-items:center}
  .nav{display:none;position:absolute;left:0;right:0;top:100%;background:var(--ink);flex-direction:column;align-items:stretch;gap:0;padding:8px var(--gut) 24px;border-top:1px solid var(--line-dark);max-height:calc(100vh - 84px);overflow:auto}
  .top.open .nav{display:flex}
  .nav a,.nav button.navlink{padding:13px 0;border-bottom:1px solid var(--line-dark);text-align:left;font-size:17px}
  .dd-menu{position:static;display:block;border:0;padding:0 0 0 14px;background:none;min-width:0}
  .dd-menu a{padding:11px 0;font-size:16px}
  .nav .sep{display:none}
  .lang{padding:14px 0}
  .nav .btn{margin-top:10px}
  .dd>button.navlink{display:none}
}

/* hero */
.hero{position:relative;background-color:var(--ink);color:var(--paper);margin-top:-84px;padding-top:84px;background-size:cover;background-position:center}
.hero::before{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(6,20,46,.74) 0%,rgba(6,20,46,.86) 55%,rgba(6,20,46,.98) 100%)}
.hero>.wrap{position:relative;padding-block:clamp(64px,9vw,128px) clamp(64px,8vw,112px)}
.hero h1{font-size:clamp(44px,7vw,104px);line-height:.98;color:var(--paper);max-width:13ch}
.hero.sub h1{font-size:clamp(40px,5.6vw,80px);max-width:16ch}
.hero .lead{color:var(--mist);max-width:56ch;margin-top:28px}
.hero .btns{margin-top:40px}
.hero .kicker{margin-bottom:22px;display:block}
.load{animation:rise 1.1s cubic-bezier(.2,.7,.2,1) both}
.load.d2{animation-delay:.12s}.load.d3{animation-delay:.24s}
@keyframes rise{from{opacity:.001;transform:translateY(14px)}to{opacity:1;transform:none}}

/* orbit */
.who{display:flex;flex-wrap:wrap;align-items:center;gap:48px 72px}
.who-left{flex:1 1 440px;min-width:0;display:flex;flex-direction:column;align-items:center}
.orbit{position:relative;width:min(540px,100%);aspect-ratio:1/1}
.orbit svg{position:absolute;inset:0;width:100%;height:100%}
.core{position:absolute;left:50%;top:50%;transform:translate(-50%,-50%);width:31%;aspect-ratio:1/1;border-radius:50%;background:var(--navy);border:1px solid rgba(157,190,234,.45);box-shadow:0 0 0 12px rgba(157,190,234,.05),0 0 80px rgba(31,95,168,.45);display:flex;align-items:center;justify-content:center}
.core img{width:76%}
.node{position:absolute;transform:translate(-50%,-50%);display:flex;flex-direction:column;align-items:center;gap:7px;width:140px;min-height:44px;padding:0;border:0;background:transparent;color:var(--paper)}
.node .dot{width:9px;height:9px;border-radius:50%;background:var(--sky);box-shadow:0 0 0 6px rgba(157,190,234,.12);transition:all .3s}
.node .tag{padding:6px 12px;border:1px solid rgba(157,190,234,.4);background:rgba(6,20,46,.88);font-family:var(--display);font-size:13px;letter-spacing:.03em;line-height:1.3;transition:all .3s}
.node[aria-pressed="true"] .dot{width:15px;height:15px;background:var(--paper)}
.node[aria-pressed="true"] .tag,.node:hover .tag{background:var(--paper);color:var(--ink);border-color:var(--paper)}
.ray{transition:stroke .3s,stroke-width .3s}
@keyframes draw{to{stroke-dashoffset:0}}
.ring{stroke-dasharray:260;stroke-dashoffset:260;animation:draw 2.6s ease-out forwards}
.aud-list{display:none;align-self:stretch;flex-direction:column;gap:8px}
.aud-list button{min-height:52px;padding:0 20px;border:1px solid rgba(157,190,234,.4);background:transparent;color:var(--paper);font-family:var(--display);font-size:16px;text-align:left;border-radius:2px}
.aud-list button[aria-pressed="true"]{background:var(--paper);color:var(--ink)}
@media (max-width:700px){.orbit{display:none}.aud-list{display:flex}}
.aud-card{flex:1 1 400px;min-width:0;background:var(--paper);color:var(--text);padding:clamp(28px,3.4vw,52px);border-radius:2px}
.aud-card .for{font-size:15px;color:var(--muted)}
.aud-card h3{margin-top:12px;font-size:clamp(28px,2.6vw,38px);line-height:1.12;color:var(--text)}
.aud-card p{color:var(--slate)}
.ticks{list-style:none;margin:26px 0 0;padding:0;display:flex;flex-direction:column;gap:14px}
.ticks li{display:flex;gap:14px;align-items:flex-start;color:#253247}
.ticks svg{flex:none;margin-top:5px}
.aud-card .btns{margin-top:32px}
.fade{animation:fade .4s ease-out}
@keyframes fade{from{opacity:.3}to{opacity:1}}

/* stats */
.stats{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,220px),1fr));gap:32px 40px}
.stat b{display:block;font-family:var(--display);font-weight:300;font-size:clamp(44px,4.4vw,60px);line-height:1;letter-spacing:-.02em;font-variant-numeric:tabular-nums}
.stat span{display:block;margin-top:12px;color:var(--muted);font-size:16px;max-width:24ch}

/* section head */
.head{display:flex;flex-wrap:wrap;justify-content:space-between;align-items:flex-end;gap:24px 48px}
.head>div{flex:1 1 560px;min-width:0}
.head .kicker{display:block;margin-bottom:18px}

/* tabs */
.tabs{display:flex;flex-wrap:wrap;gap:4px 28px;margin-top:48px;border-bottom:1px solid var(--line)}
.tab{background:none;border:0;padding:14px 0;font-family:var(--display);font-size:17px;color:var(--muted);box-shadow:inset 0 -2px 0 transparent;transition:color .25s,box-shadow .25s}
.tab:hover{color:var(--text)}
.tab[aria-selected="true"]{color:var(--text);box-shadow:inset 0 -2px 0 var(--navy)}
.bg-ink .tabs{border-color:var(--line-dark)}
.bg-ink .tab{color:var(--mist-2)} .bg-ink .tab:hover{color:var(--paper)}
.bg-ink .tab[aria-selected="true"]{color:var(--paper);box-shadow:inset 0 -2px 0 var(--sky)}
.panel{display:flex;flex-wrap:wrap;gap:36px 80px;margin-top:48px}
.panel-text{flex:1 1 360px;min-width:0}
.panel-text p{margin-top:18px;color:var(--slate);max-width:48ch}
.panel-text .fine{margin-top:22px}
.items{flex:1 1 460px;min-width:0;display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,230px),1fr));gap:0 36px}
.item{padding:20px 0;border-top:1px solid var(--line)}
.item h4{font-size:20px;font-weight:400}
.item p{margin-top:6px;font-size:16px;color:var(--muted)}
.bg-ink .item{border-color:var(--line-dark)}
.bg-ink .item p{color:var(--mist-2)}
.chip{display:inline-block;margin-top:10px;font-family:var(--display);font-size:12px;letter-spacing:.14em;text-transform:uppercase;padding:3px 9px;border:1px solid var(--line);color:var(--muted)}
.chip.live{border-color:var(--accent);color:var(--accent)}
.bg-ink .chip{border-color:var(--line-dark);color:var(--mist-2)}
.bg-ink .chip.live{border-color:var(--sky);color:var(--sky)}

/* grid of features */
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,300px),1fr));gap:48px 56px;margin-top:56px}
.grid.two{grid-template-columns:repeat(auto-fit,minmax(min(100%,420px),1fr))}
.feat{border-top:1px solid var(--line);padding-top:24px}
.feat h3{font-size:clamp(22px,1.9vw,26px);font-weight:400}
.feat p{margin-top:12px;color:var(--slate)}
.bg-ink .feat{border-color:var(--line-dark)}
.bg-ink .feat p,.bg-ink .lead,.bg-ink .panel-text p{color:var(--mist)}
.grid.four{grid-template-columns:repeat(auto-fit,minmax(min(100%,240px),1fr));gap:40px 40px}

/* split */
.split{display:flex;flex-wrap:wrap;gap:48px 96px;align-items:flex-start}
.split>div{flex:1 1 400px;min-width:0}
.list{list-style:none;margin:0;padding:0}
.list li{padding:16px 0;border-top:1px solid var(--line);font-size:18px}
.list li:last-child{border-bottom:1px solid var(--line)}
.bg-ink .list li{border-color:var(--line-dark);color:var(--paper)}
.photo{width:100%;aspect-ratio:21/8;object-fit:cover;border-radius:2px}

/* statement */
.statement{font-family:var(--display);font-weight:300;font-size:clamp(28px,3.4vw,46px);line-height:1.22;max-width:30ch;color:var(--paper);letter-spacing:-.01em}
.statement-sub{margin-top:28px;color:var(--mist);max-width:60ch}
.bg-ink p.statement{color:var(--paper)}

/* steps (real sequences) */
.steps{list-style:none;margin:56px 0 0;padding:0;display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,200px),1fr));gap:36px 32px;counter-reset:s}
.steps li{border-top:1px solid var(--navy);padding-top:20px;counter-increment:s}
.steps li::before{content:counter(s,decimal-leading-zero);display:block;font-family:var(--display);font-weight:300;font-size:34px;color:var(--accent);line-height:1}
.steps h4{margin-top:16px;font-size:21px;font-weight:400}
.steps p{margin-top:8px;font-size:16px;color:var(--muted)}
.bg-ink .steps li{border-color:var(--sky)}
.bg-ink .steps li::before{color:var(--sky)}
.bg-ink .steps p{color:var(--mist-2)}

/* paths */
.paths{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,280px),1fr));gap:1px;margin-top:56px;background:var(--line);border:1px solid var(--line)}
.path{display:flex;flex-direction:column;align-items:flex-start;gap:12px;min-height:200px;padding:34px;border:0;background:var(--paper);color:var(--text);text-align:left;transition:background .3s,color .3s}
.path:hover{background:var(--porcelain)}
.path b{font-family:var(--display);font-weight:300;font-size:40px;line-height:1}
.path span{font-size:17px;line-height:1.45;color:var(--muted)}
.path[aria-pressed="true"]{background:var(--navy);color:var(--paper)}
.path[aria-pressed="true"] span{color:var(--mist)}
.path-detail{margin-top:0;background:var(--paper);border:1px solid var(--line);border-top:0;padding:clamp(28px,3.4vw,52px)}
.path-detail .row{display:flex;flex-wrap:wrap;justify-content:space-between;gap:20px 48px;align-items:flex-start}
.path-detail .row>div{flex:1 1 420px;min-width:0}
.path-detail p{margin-top:12px;color:var(--slate);max-width:62ch}
.stages{list-style:none;margin:40px 0 0;padding:0;display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,190px),1fr));gap:24px 28px}
.stages li{border-top:1px solid var(--navy);padding-top:16px}
.stages small{font-family:var(--display);font-size:13px;letter-spacing:.14em;text-transform:uppercase;color:var(--accent)}
.stages h4{margin-top:8px;font-size:20px;font-weight:400}
.stages p{margin-top:6px;font-size:16px;color:var(--muted)}

/* reach */
.reach{display:flex;flex-wrap:wrap;gap:48px 96px;align-items:flex-start}
.reach>div{min-width:0}
.big{font-family:var(--display);font-weight:300;font-size:clamp(96px,11vw,160px);line-height:.85;color:var(--sky);font-variant-numeric:tabular-nums;letter-spacing:-.03em}
.regions{display:flex;flex-direction:column}
.region{display:grid;grid-template-columns:minmax(110px,180px) minmax(0,1fr) 44px;align-items:center;gap:20px;min-height:62px;padding:0 4px;border:0;border-top:1px solid var(--line-dark);background:transparent;color:var(--mist-2);text-align:left;font-family:var(--display);font-size:18px}
.region:last-child{border-bottom:1px solid var(--line-dark)}
.region:hover{color:var(--paper)}
.region .bar{height:2px;background:rgba(157,190,234,.16);overflow:hidden}
.region .bar i{display:block;height:100%;background:#4E70A0;transition:background .3s}
.region .n{text-align:right;font-variant-numeric:tabular-nums}
.region[aria-pressed="true"]{color:var(--paper)}
.region[aria-pressed="true"] .bar i{background:var(--paper)}

/* insights */
.filters{display:flex;flex-wrap:wrap;gap:8px;margin-top:40px}
.filter{min-height:40px;padding:0 16px;border:1px solid var(--line);background:var(--paper);color:var(--muted);font-family:var(--display);font-size:15px;border-radius:2px}
.filter[aria-pressed="true"]{background:var(--navy);border-color:var(--navy);color:var(--paper)}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,320px),1fr));gap:48px 44px;margin-top:48px}
.card{display:block;text-decoration:none;color:var(--text);cursor:pointer}
.card .ph{aspect-ratio:16/10;overflow:hidden;background:var(--navy);border-radius:2px}
.card .ph img{width:100%;height:100%;object-fit:cover;transition:transform .8s cubic-bezier(.2,.7,.2,1)}
.card:hover .ph img{transform:scale(1.03)}
.card .ph.plain{display:flex;align-items:flex-end;padding:22px;background:linear-gradient(135deg,var(--navy),#163566)}
.card .ph.plain span{font-family:var(--display);font-weight:300;font-size:26px;color:var(--sky);line-height:1.15}
.card small{display:block;margin-top:20px;font-family:var(--display);font-size:13px;letter-spacing:.16em;text-transform:uppercase;color:var(--accent)}
.card h3{margin-top:8px;font-size:24px;font-weight:400;line-height:1.22}
.card p{margin-top:8px;color:var(--muted);font-size:16px}

/* faq */
.faq{border-bottom:1px solid var(--line)}
.faq details{border-top:1px solid var(--line)}
.faq summary{list-style:none;display:flex;justify-content:space-between;align-items:center;gap:20px;min-height:68px;padding:18px 0;cursor:pointer;font-family:var(--display);font-size:20px}
.faq summary::-webkit-details-marker{display:none}
.faq summary i{flex:none;width:14px;height:14px;position:relative}
.faq summary i::before,.faq summary i::after{content:"";position:absolute;left:0;top:6px;width:14px;height:1.5px;background:var(--accent);transition:transform .3s}
.faq summary i::after{transform:rotate(90deg)}
.faq details[open] summary i::after{transform:rotate(0)}
.faq details p{padding:0 0 24px;max-width:72ch;color:var(--slate)}

/* contact */
.contact{display:flex;flex-wrap:wrap;gap:56px 96px;align-items:flex-start}
.contact>div{min-width:0}
.ways{display:flex;flex-direction:column}
.way{padding:22px 0;border-top:1px solid var(--line)}
.way:last-child{border-bottom:1px solid var(--line)}
.way h4{font-size:20px;font-weight:400}
.way p{margin-top:6px;color:var(--muted);font-size:16px}
.way .val{margin-top:8px;font-family:var(--display);font-size:18px;color:var(--text);user-select:all}
.ph-note{color:var(--accent)}
form.priv{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,240px),1fr));gap:22px 24px}
.field{display:flex;flex-direction:column;gap:8px;min-width:0}
.field.full{grid-column:1/-1}
.field label{font-family:var(--display);font-size:14px;letter-spacing:.06em;color:var(--slate)}
.field input,.field select,.field textarea{min-height:50px;padding:12px 14px;border:1px solid var(--line);border-radius:2px;background:var(--paper);color:var(--text);font-size:17px;width:100%}
.field textarea{min-height:130px;resize:vertical}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--navy)}
.check{grid-column:1/-1;display:flex;gap:12px;align-items:flex-start;font-size:15px;color:var(--slate)}
.check input{margin-top:4px;width:18px;height:18px;flex:none}
.hint{font-size:14px;color:var(--muted)}
.rolehead,.formsub{grid-column:1/-1;margin-top:10px;padding-top:28px;border-top:1px solid var(--line)}
.rolehead p{margin-top:8px;color:var(--slate);font-size:16px}
.formsub{font-size:24px}
fieldset.chips-f{border:0;padding:0;margin:0;min-width:0}
fieldset.chips-f legend{font-family:var(--display);font-size:14px;letter-spacing:.06em;color:var(--slate);margin-bottom:10px;padding:0}
.chips{display:flex;flex-wrap:wrap;gap:8px}
.chips label{display:inline-flex;align-items:center;gap:10px;min-height:44px;padding:0 16px;border:1px solid var(--line);border-radius:2px;cursor:pointer;font-family:var(--body);letter-spacing:0;font-size:16px;color:var(--text);background:var(--paper);transition:border-color .2s,background .2s}
.chips label:has(input:checked){border-color:var(--navy);background:var(--porcelain)}
.chips input{width:16px;height:16px;margin:0;accent-color:#0A1F44}
.field abbr,.check abbr{text-decoration:none;color:var(--accent)}
.field.bad input,.field.bad select{border-color:#A3402E}
.check.bad span{color:#A3402E}
.done{padding:clamp(28px,3vw,44px);border:1px solid var(--line);background:var(--porcelain)}
.done p{margin-top:14px;color:var(--slate);max-width:56ch}
.done .btns{margin-top:28px}
[hidden]{display:none!important}
.ms-box{display:flex;flex-wrap:wrap;gap:6px;align-items:center;min-height:50px;padding:6px 8px;border:1px solid var(--line);border-radius:2px;background:var(--paper);cursor:text}
.ms-box:focus-within{border-color:var(--navy)}
.ms-box .ms-q{flex:1 1 180px;min-width:0;border:0;min-height:36px;padding:4px 6px;background:transparent;font-size:17px;outline:none}
.ms-chips{display:contents}
.ms-chip{display:inline-flex;align-items:center;gap:2px;padding:2px 2px 2px 10px;background:var(--navy);color:var(--paper);font-size:15px;border-radius:2px}
.ms-chip button{background:none;border:0;color:var(--mist);font-size:18px;line-height:1;width:30px;height:30px;cursor:pointer}
.ms-chip button:hover{color:var(--paper)}
.ms-list{list-style:none;margin:4px 0 0;padding:4px 0;max-height:264px;overflow:auto;border:1px solid var(--line);background:var(--paper);box-shadow:0 14px 34px rgba(10,31,68,.08)}
.ms-list li{display:flex;justify-content:space-between;gap:12px;padding:10px 14px;cursor:pointer;font-size:16px}
.ms-list li:hover{background:var(--porcelain)}
.ms-list li[aria-selected="true"]{font-weight:700}
.ms-list li[aria-selected="true"]::after{content:"\2713";color:var(--accent)}
.ms-list .ms-otheropt{border-top:1px solid var(--line);color:var(--accent)}
.ms-list .ms-empty{color:var(--muted);cursor:default}
.done .mailnote{background:var(--paper);border:1px solid var(--line);padding:14px 16px;font-size:16px}
.done .sumtitle{margin-top:32px;font-family:var(--display);font-size:13px;letter-spacing:.2em;text-transform:uppercase;color:var(--accent);font-weight:400}
.done dl{margin:14px 0 0;display:grid;grid-template-columns:minmax(120px,220px) minmax(0,1fr);gap:10px 24px;font-size:16px}
.done dt{color:var(--muted)} .done dd{margin:0;color:var(--text);overflow-wrap:anywhere}
@media (max-width:560px){.done dl{grid-template-columns:1fr;gap:2px}.done dd{margin-bottom:10px}}
.formmsg{grid-column:1/-1;font-family:var(--display);color:var(--accent);min-height:1.5em}

/* footer */
footer{background:var(--deep);color:var(--mist);padding-block:72px 40px;font-size:16px}
.foot{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,190px),1fr));gap:40px 48px}
.foot .brandcol{grid-column:span 2}
@media (max-width:520px){.foot .brandcol{grid-column:auto}}
.foot h4{font-family:var(--display);font-weight:400;font-size:13px;letter-spacing:.2em;text-transform:uppercase;color:var(--paper);margin-bottom:14px}
.foot a{display:block;color:var(--mist);text-decoration:none;padding:5px 0;cursor:pointer}
.foot a:hover{color:var(--paper)}
.legal{margin-top:56px;padding-top:28px;border-top:1px solid var(--line-dark);font-size:14px;line-height:1.65;color:var(--mist-2);max-width:120ch}
.copy{margin-top:18px;display:flex;flex-wrap:wrap;justify-content:space-between;gap:12px;font-size:14px;color:var(--mist-2)}

@media (prefers-reduced-motion:reduce){*,*::before,*::after{animation:none!important;transition:none!important}.ring{stroke-dashoffset:0}html{scroll-behavior:auto}}

/* ---- static-site additions ---- */
.skip{position:absolute;left:16px;top:-60px;z-index:100;background:var(--paper);color:var(--ink);padding:10px 16px;font-family:var(--display);text-decoration:none;border-radius:2px}
.skip:focus{top:12px}
.lang a{color:var(--mist-2);font-family:var(--display);font-size:14px;letter-spacing:.1em;padding:6px 4px;text-decoration:none}
.lang a[aria-current="true"]{color:var(--paper);box-shadow:inset 0 -1px 0 var(--sky)}
.nav .lang a{border-bottom:0;font-size:14px}
#private{scroll-margin-top:110px}
.hp{position:absolute!important;left:-10000px;width:1px;height:1px;overflow:hidden}
.card.static{cursor:default}
.card .soon{display:inline-block;margin-top:14px;font-family:var(--display);font-size:13px;letter-spacing:.14em;text-transform:uppercase;color:var(--muted)}
.way .val a{color:var(--text);text-decoration:none;border-bottom:1px solid var(--line)}
.way .val a:hover{color:var(--accent);border-color:var(--accent)}
.formmsg.err{color:#A3262A}
button[type=submit][disabled]{opacity:.6;cursor:progress}
.regopts{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,340px),1fr));gap:32px}
.regopt{border:1px solid var(--line);padding:clamp(28px,3vw,44px);display:flex;flex-direction:column;align-items:flex-start;gap:16px}
.regopt p{color:var(--slate);flex:1}
.legal-hero{padding-bottom:clamp(56px,6vw,88px)}
.legal-doc{max-width:76ch}
.legal-doc .legal-intro{font-family:var(--display);font-weight:300;font-size:clamp(20px,1.8vw,24px);line-height:1.45;color:var(--text)}
.legal-doc h2{margin-top:48px;font-size:clamp(22px,2vw,28px);font-weight:400}
.legal-doc p{margin-top:14px;color:var(--slate)}
.brand img{height:auto}
@media (min-width:1180px){.foot{grid-template-columns:1.7fr repeat(4,1fr)}.foot .brandcol{grid-column:auto}}
/* language switch */
.top.open{background:var(--ink)}
.top .nav{margin-left:auto}
.hdr-tools{display:flex;align-items:center;gap:12px;flex:none}
.langsw{display:inline-flex;align-items:center;height:40px;border:1px solid rgba(157,190,234,.45);border-radius:2px;padding:0 3px 0 10px;gap:2px;color:var(--mist)}
.langsw .globe{margin-right:6px;opacity:.85}
.langsw a{display:inline-flex;align-items:center;justify-content:center;min-width:38px;height:32px;padding:0 8px;border-radius:2px;font-family:var(--display);font-size:14px;font-weight:500;letter-spacing:.12em;color:var(--mist);text-decoration:none;transition:background .2s,color .2s}
.langsw a:hover{color:var(--paper);background:rgba(157,190,234,.12)}
.langsw a[aria-current="true"]{background:var(--paper);color:var(--ink)}
.footlang a{color:var(--mist);text-decoration:none}
.footlang a:hover{color:var(--paper)}
.footlang a[aria-current="true"]{color:var(--paper);box-shadow:inset 0 -1px 0 var(--sky)}
@media (max-width:1260px){.top .nav{margin-left:0}.hdr-tools{margin-left:auto}}
@media (max-width:480px){.brand img{width:136px}.top .wrap{gap:10px}.hdr-tools{gap:8px}.langsw{padding-left:8px}.langsw .globe{display:none}.langsw a{min-width:34px;padding:0 6px}.menu-btn{padding:0 12px}}
/* language suggestion */
.langtip{position:fixed;z-index:60;left:50%;bottom:20px;transform:translateX(-50%);width:min(560px,calc(100% - 32px));background:var(--ink);color:var(--paper);border:1px solid rgba(157,190,234,.4);box-shadow:0 18px 50px rgba(2,10,24,.45);padding:16px 16px 16px 20px;display:flex;align-items:center;gap:14px;flex-wrap:wrap;border-radius:2px}
.langtip p{flex:1 1 220px;margin:0;font-size:16px;color:var(--mist)}
.langtip .btn{min-height:42px;padding:0 18px}
.langtip .x{background:none;border:0;color:var(--mist);font-size:22px;line-height:1;width:40px;height:40px;cursor:pointer}
.langtip .x:hover{color:var(--paper)}
@media (min-width:1261px) and (max-width:1420px){.langsw .globe{display:none}.langsw{padding-left:3px}.nav{gap:6px 14px}.top .wrap{gap:16px}}
.top.open ~ .langtip{display:none}
.top .wrap{max-width:1440px}
/* opaque header when scrolled, always on phones and tablets */
.top.solid{background:var(--ink)}
@media (max-width:1260px){.top{background:var(--ink);box-shadow:0 1px 0 var(--line-dark)}}
/* Insights articles */
.card .more{display:inline-block;margin-top:14px;font-family:var(--display);font-size:14px;letter-spacing:.12em;text-transform:uppercase;color:var(--accent)}
.card:hover h3{color:var(--accent)}
.kicker a{color:inherit;text-decoration:none}.kicker a:hover{color:var(--paper)}
.art-hero h1{max-width:22ch;font-size:clamp(36px,4.6vw,64px)}
.art-date{margin-top:18px;font-size:15px;color:var(--mist-2)}
.art{max-width:70ch}
.art p{font-size:19px;line-height:1.7;color:var(--slate)}
.art p:first-child{font-size:21px;color:var(--text)}
.art .art-list{margin-top:18px}
.art .art-list li{font-size:18px}
.art-ol{margin:18px 0 0;padding-left:1.4em;color:var(--slate);font-size:18px;line-height:1.6}
.art-ol li{margin-top:10px;padding-left:6px}
.art strong{color:var(--text);font-weight:700}
.art-cta{max-width:70ch;margin-top:56px;padding:clamp(24px,3vw,36px);background:var(--porcelain);border-left:2px solid var(--accent)}
.art-cta p{margin-top:12px;color:var(--slate)}
.art-cta .btns{margin-top:22px}
.art-disc{margin-top:36px;max-width:90ch}
/* language switch, more visible (Oct 16) */
.langsw{height:42px;border-color:rgba(255,255,255,.55);padding:0 4px 0 12px;gap:4px;color:var(--paper)}
.langsw .globe{opacity:1;margin-right:8px}
.langsw a{min-width:44px;height:34px;padding:0 12px;font-size:14px;letter-spacing:.06em;color:var(--paper)}
.langsw a .code{display:none;letter-spacing:.12em}
.langsw a[aria-current="true"]{background:var(--paper);color:var(--ink)}
.langsw a:not([aria-current="true"]):hover{background:rgba(157,190,234,.18)}
.mlang{display:none}
@media (min-width:1261px) and (max-width:1420px){.langsw .globe{display:inline;margin-right:6px}.langsw{padding-left:10px}}
@media (max-width:1260px){
  .langsw a .full{display:none}.langsw a .code{display:inline}.langsw a{padding:0 8px;min-width:40px}
  .mlang{display:flex;align-items:center;gap:8px;padding:16px 0 14px;border-bottom:1px solid var(--line-dark)}
  .mlang-lab{flex:1;font-family:var(--display);font-size:13px;letter-spacing:.2em;text-transform:uppercase;color:var(--mist-2)}
  .nav .mlang a{border:1px solid rgba(255,255,255,.5);border-bottom:1px solid rgba(255,255,255,.5);padding:0 18px;min-height:44px;display:inline-flex;align-items:center;font-size:16px;border-radius:2px;color:var(--paper)}
  .nav .mlang a[aria-current="true"]{background:var(--paper);color:var(--ink);border-color:var(--paper)}
}
@media (max-width:480px){.langsw .globe{display:inline;margin-right:4px}.langsw{padding-left:8px;gap:2px}.langsw a{min-width:36px;padding:0 6px}}
@media (max-width:370px){.langsw .globe{display:none}.brand img{width:124px}}
@media (min-width:1261px) and (max-width:1400px){.langsw a .full{display:none}.langsw a .code{display:inline}.langsw a{padding:0 9px;min-width:40px}}
@media (min-width:1261px) and (max-width:1330px){.langsw .globe{display:none}.langsw{padding-left:4px}}
@media (max-width:1260px){.dd-menu a{white-space:normal}}
/* home orbit: every profile box the same size */
.node{width:152px}
.node .tag{display:flex;align-items:center;justify-content:center;text-align:center;box-sizing:border-box;width:152px;height:52px;padding:4px 8px}