:root{--navy:#061d30;--navy2:#0b3048;--teal:#078e9f;--cyan:#48c2c4;--gold:#d5a043;--ink:#0a263d;--text:#17384e;--muted:#657a89;--paper:#f1f5f6;--line:#d5e1e7;--white:#fff;--max:1180px;--shadow:0 20px 50px rgba(6,29,48,.12)}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:76px}body{margin:0;font-family:Inter,Arial,Helvetica,sans-serif;color:var(--text);background:#fff;line-height:1.55}a{text-decoration:none;color:inherit}button,input,select,textarea{font:inherit}:focus-visible{outline:3px solid rgba(72,194,196,.42);outline-offset:3px}.skip-link{position:fixed;top:-60px;left:12px;z-index:1000;background:#fff;color:var(--ink);padding:10px 14px;border-radius:6px}.skip-link:focus{top:12px}.container{width:min(calc(100% - 48px),var(--max));margin:auto}
.site-header{height:76px;background:var(--navy);color:#fff;border-bottom:1px solid rgba(255,255,255,.09);position:sticky;top:0;z-index:50}.nav{height:76px;display:flex;align-items:center;gap:28px}.brand{margin-right:auto}.brand img{width:138px;display:block}.nav-links{display:flex;gap:21px;font-size:10.5px;font-weight:750;color:#dbe7ec}.nav-links a{padding:9px 0;border-bottom:2px solid transparent}.nav-links a:hover,.nav-links a.active{color:#fff;border-bottom-color:var(--teal)}.nav-cta,.primary-btn{display:inline-flex;align-items:center;justify-content:center;background:var(--gold);color:var(--navy);border:0;border-radius:6px;padding:11px 17px;font-size:10.5px;font-weight:850}.nav-cta{background:transparent;color:#fff;border:1px solid rgba(72,194,196,.7)}.secondary-btn,.outline-btn{display:inline-flex;align-items:center;justify-content:center;padding:10px 16px;border:1px solid rgba(255,255,255,.34);border-radius:6px;color:#fff;font-size:10.5px;font-weight:800}.menu-btn{display:none}
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.investment-page{background:#fff;padding:0}.investment-grid{display:grid;grid-template-columns:52% 48%;min-height:620px}.investment-copy{padding:95px 55px 80px 0}.investment-copy h2{font-size:41px;line-height:1.07;letter-spacing:-.045em;margin:10px 0}.investment-copy>p{font-size:14px;color:var(--muted);max-width:560px}.process-list{display:grid;grid-template-columns:1fr 1fr;gap:18px 30px;border-top:1px solid var(--line);padding-top:22px;margin-top:27px}.process-list>div{padding-right:15px}.process-list b{font-size:9px;color:var(--teal)}.process-list h3{font-size:15px;margin:5px 0}.process-list p{font-size:10px;color:var(--muted);margin:0}.investment-photo{min-height:620px;position:relative;overflow:hidden}.investment-photo img{width:100%;height:100%;object-fit:cover;display:block}.photo-caption{position:absolute;left:38px;bottom:38px;color:#fff;font-size:25px;font-weight:850;line-height:1.07;max-width:235px;text-shadow:0 3px 14px rgba(0,0,0,.35)}.photo-caption:before{content:"";display:block;width:26px;height:3px;background:var(--gold);margin-bottom:10px}
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/* V8 componentized homepage */
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ul{border-color:rgba(255,255,255,.12)}.c-triad-body li{font-size:10px}.c-triad-body li:before{content:"›";color:var(--teal);font-weight:900;margin-right:7px}.c-triad-body>b{font-size:10px;color:var(--teal)}.c-triad-dark .c-triad-body>b{color:#fff}.c-compass{background:#e8eff1;padding:0}.c-compass-grid{display:grid;grid-template-columns:44% 56%;min-height:530px}.c-compass-copy{padding:90px 55px 85px 0;display:flex;flex-direction:column;justify-content:center}.c-compass-copy h2{font-size:46px;line-height:1.04;letter-spacing:-.045em;margin:10px 0 16px}.c-compass-copy p{font-size:14px;color:var(--muted);max-width:510px;margin:0 0 23px}.c-compass-map{position:relative;min-height:530px;background:linear-gradient(145deg,#0a3048,#09263a);overflow:hidden}.c-compass-map:before,.c-compass-map:after{content:"";position:absolute;border:1px solid rgba(72,194,196,.14);border-radius:50%}.c-compass-map:before{inset:16% 13%}.c-compass-map:after{inset:30% 25%}.c-compass-node{position:absolute;z-index:2;text-align:center;color:#fff}.c-compass-node.center{left:50%;top:50%;transform:translate(-50%,-50%);width:108px;height:108px;border:2px solid var(--cyan);border-radius:50%;display:grid;place-items:center;font-size:17px;font-weight:900}.c-compass-node.center span{display:block;font-size:7px;letter-spacing:.15em;color:#96bbc4}.c-compass-node:not(.center){width:115px}.c-compass-node b{font-size:10px}.c-compass-node small{display:block;color:#9db8c2;font-size:8px;margin-top:4px}.node-a{left:13%;top:18%}.node-b{right:9%;top:26%}.node-c{right:13%;bottom:15%}.c-need-matrix{padding:90px 0;background:#fff}.c-need-grid{display:grid;grid-template-columns:repeat(3,1fr);border-left:1px solid var(--line);border-top:1px solid var(--line)}.c-need-grid>a{min-height:210px;padding:25px;border-right:1px solid var(--line);border-bottom:1px solid var(--line)}.c-need-grid span{font-size:9px;color:var(--teal);font-weight:850}.c-need-grid h3{font-size:20px;line-height:1.12;margin:10px 0 7px}.c-need-grid p{font-size:11px;color:var(--muted);max-width:290px;margin:0 0 13px}.c-need-grid b{font-size:10px;color:var(--teal)}.c-audience{padding:92px 0;background:var(--navy);color:#fff}.c-audience-grid{display:grid;grid-template-columns:45% 55%;gap:75px}.c-audience-copy h2{font-size:43px;line-height:1.06;letter-spacing:-.045em;margin:10px 0 15px}.c-audience-copy p{color:#b8ccd5;font-size:14px;max-width:490px}.c-audience-list{border-top:1px solid rgba(255,255,255,.14)}.c-audience-list a{display:block;padding:18px 0;border-bottom:1px solid rgba(255,255,255,.14)}.c-audience-list b{font-size:9px;letter-spacing:.15em;color:#74d1d4}.c-audience-list span{display:block;color:#b9ccd5;font-size:11px;margin-top:5px}.c-process{padding:88px 0;background:#fff}.c-process-rail{display:grid;grid-template-columns:repeat(4,1fr);border-top:1px solid var(--line)}.c-process-rail>div{padding:25px 20px 15px 0}.c-process-rail>div+div{padding-left:20px;border-left:1px solid var(--line)}.c-process-rail span{font-size:9px;color:var(--teal);font-weight:850}.c-process-rail h3{font-size:20px;margin:8px 0}.c-process-rail p{font-size:11px;color:var(--muted);max-width:220px}.c-tools{padding:80px 0;background:#e8eff1}.c-tools-grid{display:grid;grid-template-columns:1fr 1fr;gap:70px;align-items:center}.c-tools h2{font-size:41px;line-height:1.07;letter-spacing:-.045em;margin:10px 0}.c-tools p{font-size:13px;color:var(--muted);max-width:470px}.c-tool{background:var(--navy);color:#fff;border-radius:9px;padding:29px;box-shadow:0 20px 50px rgba(6,29,48,.14)}.c-tool span{font-size:9px;letter-spacing:.15em;color:#78d4d7;font-weight:850}.c-tool strong{display:block;font-size:25px;margin:7px 0}.c-tool small{display:block;color:#b8cad4;font-size:10px;margin-bottom:17px}.c-tool b{font-size:10px}.c-why{padding:90px 0;background:#fff}.c-why-grid{display:grid;grid-template-columns:repeat(4,1fr);border-top:1px solid var(--line)}.c-why-grid>div{padding:25px 20px 8px 0}.c-why-grid>div+div{padding-left:20px;border-left:1px solid var(--line)}.c-why-grid b{font-size:13px}.c-why-grid p{font-size:11px;color:var(--muted);margin:6px 0 0}.c-faq{padding:88px 0;background:var(--paper)}.c-faq-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px 55px}.c-faq-grid details{border-top:1px solid var(--line);padding:17px 0}.c-faq-grid summary{cursor:pointer;font-size:12px;font-weight:800}.c-faq-grid p{font-size:11px;color:var(--muted);margin:8px 0 0}.c-final-cta{padding:86px 0;background:var(--navy);color:#fff}.c-final-cta .container{display:flex;align-items:end;justify-content:space-between;gap:35px}.c-final-cta h2{font-size:43px;line-height:1.05;letter-spacing:-.045em;margin:9px 0}.c-final-cta p{font-size:13px;color:#b7cbd4}
@media(max-width:900px){.c-intro-grid,.c-command-grid,.c-compass-grid,.c-audience-grid,.c-tools-grid{grid-template-columns:1fr;gap:30px}.c-command-grid{padding:65px 0;min-height:auto}.c-command-hero{min-height:auto}.c-command-console{max-width:480px}.c-triad-head{grid-template-columns:1fr;gap:15px}.c-triad-grid{grid-template-columns:1fr}.c-compass-copy{padding:62px 0}.c-compass-map{min-height:390px}.c-need-grid,.c-process-rail,.c-why-grid{grid-template-columns:1fr 1fr}.c-process-rail>div+div,.c-why-grid>div+div{padding-left:20px;border-left:1px solid var(--line)}.c-faq-grid{grid-template-columns:1fr}.c-final-cta .container{display:block}}
@media(max-width:600px){.c-command-copy h1,.c-compass-copy h2,.c-final-cta h2,.c-intro-grid h2,.c-triad-head h2,.c-audience-copy h2,.c-tools h2{font-size:31px}.c-command-actions{flex-direction:column}.c-command-actions>*{width:100%;text-align:center}.c-capability-grid{grid-template-columns:1fr}.c-capability-grid>a{border-right:0;border-bottom:1px solid rgba(255,255,255,.2)}.c-capability-grid>a:last-child{border-bottom:0}.c-need-grid,.c-process-rail,.c-why-grid{grid-template-columns:1fr}.c-process-rail>div+div,.c-why-grid>div+div{padding-left:0;border-left:0}.c-compass-map{min-height:315px}.c-final-cta .primary-btn{margin-top:20px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}

/* Official MSK Financial supplied logo */
.brand img,.footer-brand img{width:auto;height:38px;object-fit:contain;display:block}
.site-header .brand img{max-width:150px}
.site-footer .footer-brand img{max-width:185px;height:44px}
@media(max-width:600px){
  .brand img{height:30px;max-width:125px}
  .site-footer .footer-brand img{height:38px;max-width:160px}
}

/* V10 brand-driven layout */
.site-header{height:82px;background:#061d30}.nav{height:82px}.desktop-nav{display:flex;gap:24px}.desktop-nav a{font-size:11px;color:#d9e5e9}.desktop-nav a:hover{color:#fff}.brand img{height:48px;width:auto;max-width:175px;object-fit:contain;filter:none}.nav-cta{background:var(--gold);color:var(--navy);border:0;padding:10px 15px}.menu-btn{display:none}.mobile-nav{display:none}
.kicker.light{color:#71d0d3}.kicker.light:before{background:var(--gold)}
.v10-hero{position:relative;min-height:660px;overflow:hidden;background:#061d30;color:#fff}.v10-bg,.v10-shade{position:absolute;inset:0}.v10-bg img{width:100%;height:100%;object-fit:cover}.v10-shade{background:linear-gradient(90deg,rgba(4,23,38,.98),rgba(4,23,38,.86) 43%,rgba(4,23,38,.43) 74%,rgba(4,23,38,.68))}.v10-hero-grid{min-height:660px;display:grid;grid-template-columns:1fr 340px;gap:65px;align-items:center;position:relative;z-index:1}.v10-hero-grid h1{font-size:clamp(58px,6vw,84px);line-height:.93;letter-spacing:-.06em;margin:12px 0 22px}.v10-hero-grid p{font-size:16px;color:#c4d4dc;max-width:560px;margin:0 0 28px}.brand-panel{padding:25px;background:rgba(5,25,41,.84);border:1px solid rgba(213,160,67,.28);border-radius:8px}.brand-panel img{width:100%;height:auto;display:block}.brand-panel-rule{height:1px;background:rgba(255,255,255,.18);margin:17px 0}.brand-panel span{font-size:8px;letter-spacing:.16em;color:#d8bb75}.pillars{background:#071f31;color:#fff;padding:0}.pillars-head{display:grid;grid-template-columns:1fr 420px;gap:60px;padding:48px 0 25px}.pillars-head h2{font-size:30px;line-height:1.07;letter-spacing:-.04em;margin:9px 0}.pillars-head p{color:#aac0ca;font-size:12px}.pillars{display:grid;grid-template-columns:repeat(3,1fr)}.p{padding:32px 27px;min-height:205px;border-left:1px solid rgba(255,255,255,.11);display:flex;flex-direction:column;justify-content:end}.p:last-child{border-right:1px solid rgba(255,255,255,.11)}.p b{color:var(--gold);font-size:9px}.p h3{font-size:26px;margin:6px 0}.p p{font-size:10px;color:#aec3cc;margin:0 0 12px}.p span{font-size:9px;color:#77d3d5}.p1{background:#092b43}.p2{background:#0b334b}.p3{background:#103b55}
.v10-intro{padding:92px 0;background:#fff}.intro-grid{display:grid;grid-template-columns:1fr 1fr;gap:90px}.intro-grid h2{font-size:44px;line-height:1.06;letter-spacing:-.045em;margin:10px 0}.intro-grid p{font-size:15px;color:var(--muted);max-width:500px}.text-link{color:var(--teal);font-size:11px;font-weight:850}
.business{display:grid;grid-template-columns:48% 52%;min-height:590px;background:#eef3f4}.business-photo{min-height:590px}.business-photo img{width:100%;height:100%;object-fit:cover}.business-copy{padding:85px 9%}.business-copy h2,.individual-copy h2,.wealth-copy h2,.advisory-copy h2,.decision h2,.company h2,.tools h2{font-size:42px;line-height:1.06;letter-spacing:-.045em;margin:10px 0 14px}.business-copy>p{color:var(--muted);font-size:13px;max-width:550px}.line-links{border-top:1px solid var(--line);margin-top:23px}.line-links a{display:block;padding:14px 0;border-bottom:1px solid var(--line)}.line-links b{display:block;font-size:11px}.line-links span{display:block;font-size:9px;color:var(--muted);margin-top:3px}
.individual{padding:90px 0;background:#fff}.individual-grid{display:grid;grid-template-columns:42% 58%;gap:75px}.individual-copy p{font-size:13px;color:var(--muted);max-width:470px}.individual-list{border-top:1px solid var(--line)}.individual-list a{display:grid;grid-template-columns:34px 1fr 25px;gap:11px;padding:17px 0;border-bottom:1px solid var(--line);align-items:start}.individual-list a b{font-size:9px;color:var(--teal)}.individual-list a span{font-size:12px;font-weight:850}.individual-list a small{grid-column:2;font-size:9px;color:var(--muted);margin-top:-5px}.individual-list a strong{grid-column:3;grid-row:1/3;color:var(--teal)}
.wealth{background:#edf2f3}.wealth-grid{display:grid;grid-template-columns:54% 46%;min-height:600px}.wealth-copy{padding:86px 55px 75px 0}.wealth-copy>p{font-size:13px;color:var(--muted);max-width:535px}.wealth-steps{display:grid;grid-template-columns:repeat(4,1fr);border-top:1px solid var(--line);margin:28px 0 24px}.wealth-steps div{padding:16px 5px 0 0}.wealth-steps b{font-size:9px;color:var(--teal)}.wealth-steps span{display:block;font-size:11px;font-weight:850;margin-top:5px}.dark-btn{display:inline-flex;background:var(--navy);color:#fff;padding:10px 15px;border-radius:5px;font-size:10px;font-weight:850}.wealth-image{min-height:600px}.wealth-image img{width:100%;height:100%;object-fit:cover;display:block}
.advisory{background:var(--navy);color:#fff}.advisory-grid{display:grid;grid-template-columns:47% 53%;min-height:590px}.advisory-copy{padding:90px 60px 80px 0;display:flex;flex-direction:column;justify-content:center}.advisory-copy p{font-size:14px;color:#b8ccd5;max-width:520px;margin:0 0 23px}.advisory-visual{position:relative;background:linear-gradient(145deg,#09283e,#0c3e57);min-height:590px;display:flex;align-items:center;justify-content:center;overflow:hidden}.advisory-visual:before{content:"";position:absolute;width:430px;height:430px;border:1px solid rgba(53,194,196,.13);border-radius:50%}.framework-core{width:120px;height:120px;border:2px solid var(--cyan);border-radius:50%;display:grid;place-items:center;font-size:20px;font-weight:900;z-index:2}.framework-core small{display:block;font-size:7px;letter-spacing:.15em;color:#9ebcc5}.f{position:absolute;text-align:center;font-size:11px;font-weight:850}.f small{display:block;font-size:8px;color:#9fb8c2;font-weight:400}.f1{top:23%;left:18%}.f2{top:19%;right:18%}.f3{bottom:21%;right:13%}.f4{bottom:19%;left:18%}
.decision{background:#e7eef0;padding:88px 0}.decision-grid{display:grid;grid-template-columns:46% 54%;gap:70px}.decision p{font-size:13px;color:var(--muted);max-width:520px}.decision-links{border-top:1px solid #cbd7dc}.decision-links a{display:grid;grid-template-columns:1fr 24px;gap:6px;padding:17px 0;border-bottom:1px solid #cbd7dc}.decision-links b{font-size:12px}.decision-links span{font-size:9px;color:var(--muted)}.decision-links strong{grid-column:2;grid-row:1/3;color:var(--teal);align-self:center}
.company{padding:90px 0}.company-grid{display:grid;grid-template-columns:1fr 1fr;gap:85px}.company p{font-size:14px;color:var(--muted);max-width:500px}.company-links{display:flex;gap:20px;flex-wrap:wrap}.company-links a{font-size:10px;color:var(--teal);font-weight:850}
.tools{background:#dfeaec;padding:78px 0}.tools-grid{display:grid;grid-template-columns:1fr 1fr;gap:70px;align-items:center}.tools p{font-size:13px;color:var(--muted);max-width:500px}.tool-card{display:block;background:var(--navy);color:#fff;padding:29px;border-radius:8px;box-shadow:0 18px 40px rgba(6,29,48,.14)}.tool-card span{font-size:9px;letter-spacing:.14em;color:#73d2d4}.tool-card strong{display:block;font-size:25px;margin:7px 0}.tool-card b{font-size:10px}
.faq{padding:88px 0;background:#fff}.faq-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px 55px}.faq-grid details{border-top:1px solid var(--line);padding:17px 0}.faq-grid summary{cursor:pointer;font-size:12px;font-weight:800}.faq-grid p{font-size:11px;color:var(--muted)}.final{padding:86px 0;background:var(--navy);color:#fff}.final-grid{display:flex;justify-content:space-between;align-items:end;gap:30px}.final h2{font-size:44px;line-height:1.05;letter-spacing:-.045em;margin:10px 0}.final p{color:#9eb5bf;font-size:10px}
.footer-brandline{display:flex;justify-content:space-between;align-items:end;gap:25px;padding-bottom:25px;margin-bottom:20px;border-bottom:1px solid rgba(255,255,255,.1)}.footer-logo-block img{height:45px;width:auto;max-width:165px}.footer-logo-block span{display:block;color:#9ab0bb;font-size:8px;letter-spacing:.12em;margin-top:8px}.footer-summary{font-size:10px;color:#91a9b5;max-width:310px}
@media(max-width:900px){.desktop-nav{display:none}.menu-btn{display:block}.nav-cta{display:none}.site-header,.nav{height:68px}.mobile-nav[hidden]{display:none}.mobile-nav:not([hidden]){display:block}.mobile-nav{position:absolute;top:68px;left:0;right:0}.v10-hero,.v10-hero-grid{min-height:740px}.v10-hero-grid,.intro-grid,.business,.individual-grid,.wealth-grid,.advisory-grid,.decision-grid,.company-grid,.tools-grid{grid-template-columns:1fr;gap:30px}.brand-panel{max-width:430px}.business-photo{min-height:360px}.business-copy,.wealth-copy,.advisory-copy{padding:60px 0}.wealth-image,.advisory-visual{min-height:380px}.pillars-head{grid-template-columns:1fr}.pillars{grid-template-columns:1fr 1fr}.pillar-intro{grid-column:1/-1}.final-grid{display:block}.final-grid .primary-btn{margin-top:20px}}
@media(max-width:600px){.brand img{height:34px;max-width:130px}.v10-hero,.v10-hero-grid{min-height:760px}.v10-hero-grid{padding:50px 0}.v10-hero-grid h1{font-size:49px}.hero-actions{flex-direction:column}.hero-actions>*{width:100%;text-align:center}.pillars,.journey-cards,.faq-grid{grid-template-columns:1fr}.pillar-intro{grid-column:auto}.intro-grid h2,.business-copy h2,.individual-copy h2,.wealth-copy h2,.advisory-copy h2,.decision h2,.company h2,.tools h2,.final h2{font-size:31px}.wealth-steps{grid-template-columns:1fr 1fr}.footer-brandline{display:block}.footer-summary{margin-top:15px}}

/* ================= V12: light corporate brand system ================= */
:root{--navy:#071f31;--navy2:#0b3048;--blue:#124260;--teal:#078e9f;--cyan:#51c4c5;--gold:#d5a043;--ink:#0b2a40;--muted:#687d8b;--paper:#edf3f4;--ice:#f6f8f8;--line:#cedbe1}
.site-header{height:82px;background:#ffffff;color:var(--ink);border-bottom:1px solid #dce5e9;position:sticky;top:0;z-index:80}.nav{height:82px}.brand img{height:52px;width:auto;max-width:180px;object-fit:contain;display:block}.desktop-nav{display:flex;gap:23px}.desktop-nav a{font-size:11px;font-weight:750;color:#2f4b5b}.desktop-nav a:hover{color:var(--navy)}.nav-cta{background:var(--gold);border:0;color:var(--navy);font-size:10px;font-weight:850;padding:10px 15px;border-radius:5px}.menu-btn{display:none}.mobile-nav{background:#fff;border-top:1px solid var(--line);position:absolute;left:0;right:0;top:82px;box-shadow:0 8px 18px rgba(7,31,49,.08)}.mobile-nav a{display:block;padding:10px 18px;border-bottom:1px solid #edf1f3;color:var(--ink);font-size:11px}.kicker.light{color:#72d1d3}.kicker.light:before{background:var(--gold)}.outline-light{display:inline-flex;align-items:center;justify-content:center;border:1px solid rgba(255,255,255,.55);color:#fff;padding:10px 15px;border-radius:5px;font-size:10px;font-weight:800}
.hero12{background:var(--navy);color:#fff}.hero12-grid{display:grid;grid-template-columns:43% 57%;min-height:470px}.hero12-copy{padding:62px 48px 60px 0;display:flex;flex-direction:column;justify-content:center}.hero12-copy h1{font-size:clamp(52px,5.4vw,74px);line-height:.94;letter-spacing:-.06em;margin:10px 0 20px}.hero12-copy p{font-size:14px;color:#c5d5dc;max-width:500px;margin:0 0 24px}.hero12-media{position:relative;min-height:470px;overflow:hidden}.hero12-media>img{width:100%;height:100%;object-fit:cover}.hero12-logo{position:absolute;right:24px;bottom:24px;width:220px;background:#fff;padding:14px 15px;border-radius:6px;box-shadow:0 16px 34px rgba(0,0,0,.25)}.hero12-logo img{width:100%;height:54px;object-fit:contain}.hero12-logo span{display:block;text-align:center;color:#8e6d2c;font-size:7px;font-weight:850;letter-spacing:.14em;margin-top:6px}
.brandline12{background:var(--teal);color:#fff}.brandline12 .container{display:grid;grid-template-columns:repeat(3,1fr)}.brandline12 .container>div{min-height:72px;padding:12px 24px;display:grid;grid-template-columns:31px 1fr;grid-template-rows:auto auto;gap:1px 9px;align-items:center;border-right:1px solid rgba(255,255,255,.2)}.brandline12 .container>div:last-child{border:0}.brandline12 b{grid-row:1/3;width:26px;height:26px;border:1px solid rgba(255,255,255,.55);border-radius:50%;display:grid;place-items:center;font-size:8px}.brandline12 strong{font-size:10px}.brandline12 small{font-size:8px;color:#d7eef0}
.overview12{padding:78px 0;background:#fff}.overview12-grid{display:grid;grid-template-columns:1fr 1fr;gap:85px}.overview12 h2{font-size:42px;line-height:1.06;letter-spacing:-.045em;margin:10px 0}.overview12 p{font-size:14px;color:var(--muted);max-width:500px}.micro-links{display:flex;gap:18px;flex-wrap:wrap;margin-top:22px}.micro-links a{font-size:10px;color:var(--teal);font-weight:850}
.service-canvas12{padding:80px 0;background:var(--ice)}.canvas-head{display:grid;grid-template-columns:1fr 430px;gap:60px;align-items:end;margin-bottom:30px}.canvas-head h2{font-size:40px;line-height:1.07;letter-spacing:-.045em;margin:9px 0}.canvas-head>p{font-size:12px;color:var(--muted);margin:0}.service-canvas-grid{display:grid;grid-template-columns:1fr 1fr;gap:15px}.service-canvas-grid>a{border-radius:10px;overflow:hidden;border:1px solid var(--line);background:#fff;display:grid;grid-template-columns:44% 56%;min-height:260px}.canvas-business{grid-row:span 2}.canvas-business .canvas-img{grid-row:1/-1}.canvas-img img{width:100%;height:100%;object-fit:cover}.canvas-copy{padding:24px;display:flex;flex-direction:column;justify-content:end}.canvas-copy span{font-size:8px;letter-spacing:.13em;color:var(--teal);font-weight:850}.canvas-copy h3{font-size:22px;line-height:1.08;margin:7px 0}.canvas-copy p{font-size:10px;color:var(--muted);margin:0 0 13px}.canvas-copy b{font-size:10px;color:var(--teal)}.canvas-advisory{background:var(--navy)!important;color:#fff}.canvas-advisory .canvas-copy p{color:#b7cad4}.canvas-advisory .canvas-copy b{color:#fff}.canvas-graphic{background:#f0f5f6;display:flex;align-items:center;justify-content:center;padding:11px}.canvas-graphic img{width:100%;height:auto;display:block}.canvas-advisory .canvas-graphic,.canvas-wealth .canvas-graphic{padding:10px}
.business-decision12{padding:85px 0;background:#fff}.decision-map-grid{display:grid;grid-template-columns:68% 32%;gap:18px}.decision-map{border:1px solid var(--line);border-radius:10px;overflow:hidden;background:#fff}.decision-map img{width:100%;display:block}.decision-notes{display:grid;grid-template-columns:1fr 1fr;border-top:1px solid var(--line)}.decision-notes>div{padding:17px 14px;border-bottom:1px solid var(--line)}.decision-notes>div:nth-child(odd){border-right:1px solid var(--line)}.decision-notes span{font-size:8px;letter-spacing:.12em;color:var(--teal);font-weight:850}.decision-notes p{font-size:10px;color:var(--muted);margin:5px 0 0}
.individual12{padding:82px 0;background:#eef3f4}.individual12-grid{display:grid;grid-template-columns:40% 60%;min-height:330px}.individual12-panel{background:var(--navy);color:#fff;padding:35px;border-radius:9px 0 0 9px;display:flex;flex-direction:column;justify-content:end}.individual12-panel h2{font-size:31px;line-height:1.07;letter-spacing:-.04em;margin:9px 0}.individual12-panel p{font-size:11px;color:#b6cad3;margin:0 0 19px}.individual12-panel .outline-light{align-self:flex-start}.individual12-list{background:#fff;border:1px solid var(--line);border-left:0;border-radius:0 9px 9px 0}.individual12-list a{display:grid;grid-template-columns:31px 1fr 18px;gap:10px;padding:22px 25px;border-bottom:1px solid var(--line)}.individual12-list a:last-child{border:0}.individual12-list>b,.individual12-list a>b{font-size:9px;color:var(--teal)}.individual12-list strong{font-size:11px}.individual12-list span{display:block;font-size:9px;color:var(--muted);margin-top:3px}.individual12-list em{font-style:normal;color:var(--teal);font-size:12px}
.wealth-decision12{background:var(--navy2);color:#fff}.wealth-decision-grid{display:grid;grid-template-columns:57% 43%;min-height:500px}.wealth-graphic{padding:45px 0 45px 45px;display:flex;align-items:center}.wealth-graphic img{width:100%;display:block}.wealth-copy12{padding:80px 0 75px 55px;display:flex;flex-direction:column;justify-content:center}.wealth-copy12 h2{font-size:41px;line-height:1.06;letter-spacing:-.045em;margin:10px 0}.wealth-copy12 p{font-size:13px;color:#b9cbd4;max-width:470px}
.advisory-decision12{background:#09283e;color:#fff}.advisory-decision-grid{display:grid;grid-template-columns:44% 56%;min-height:500px}.advisory-copy12{padding:80px 45px 70px 0;display:flex;flex-direction:column;justify-content:center}.advisory-copy12 h2{font-size:41px;line-height:1.06;letter-spacing:-.045em;margin:10px 0}.advisory-copy12 p{font-size:13px;color:#b7cbd5;margin:0 0 22px}.advisory-graphic12{background:#edf3f4;padding:28px;display:flex;align-items:center}.advisory-graphic12 img{width:100%;display:block}
.decision-entry12{background:#f0f5f6;padding:84px 0}.decision-entry-head{display:grid;grid-template-columns:1fr 420px;gap:60px;align-items:end;margin-bottom:25px}.decision-entry-head h2{font-size:40px;line-height:1.06;letter-spacing:-.045em;margin:9px 0}.decision-entry-head>p{font-size:12px;color:var(--muted);margin:0}.decision-entry-options{border-top:1px solid #cad7dc}.decision-entry-options a{display:grid;grid-template-columns:1fr 22px;gap:5px;padding:17px 0;border-bottom:1px solid #cad7dc}.decision-entry-options b{font-size:12px}.decision-entry-options span{font-size:9px;color:var(--muted)}.decision-entry-options strong{grid-column:2;grid-row:1/3;align-self:center;color:var(--teal)}
.company-strip12{padding:84px 0;background:#fff}.company-strip-grid{display:grid;grid-template-columns:1fr 1fr;gap:80px}.company-strip12 h2{font-size:42px;line-height:1.06;letter-spacing:-.045em;margin:9px 0}.company-strip12 p{font-size:13px;color:var(--muted);max-width:480px}.company-strip-links{border-top:1px solid var(--line)}.company-strip-links a{display:block;padding:16px 0;border-bottom:1px solid var(--line);font-size:11px;color:var(--teal);font-weight:850}.company-strip-links span{display:block;color:var(--muted);font-size:9px;font-weight:400;margin-top:3px}
.final12{background:#dce7ea;padding:70px 0}.final12 .container{display:flex;justify-content:space-between;align-items:end;gap:30px}.final12 h2{font-size:38px;line-height:1.06;letter-spacing:-.04em;margin:9px 0}.final12 p{font-size:12px;color:var(--muted);margin:0}.site-footer{background:#061d30}.footer-brandline{padding-top:35px}.footer-logo-block img{height:53px;width:auto;max-width:185px}.footer-summary{font-size:10px;color:#9db2bd}
@media(max-width:900px){
 .desktop-nav{display:none}.menu-btn{display:block}.nav-cta{display:none}.site-header,.nav{height:68px}.mobile-nav{top:68px}.hero12-grid,.overview12-grid,.decision-map-grid,.individual12-grid,.wealth-decision-grid,.advisory-decision-grid,.company-strip-grid{grid-template-columns:1fr}.hero12-grid{min-height:auto}.hero12-copy{padding:58px 0}.hero12-media{min-height:330px}.service-canvas-grid{grid-template-columns:1fr}.canvas-business{grid-row:auto}.canvas-business .canvas-img{grid-row:auto}.decision-map-grid{gap:20px}.decision-notes{grid-template-columns:1fr 1fr}.individual12-panel{border-radius:9px 9px 0 0;min-height:230px}.individual12-list{border-left:1px solid var(--line);border-radius:0 0 9px 9px}.wealth-graphic{padding:30px 0 0}.wealth-copy12{padding:55px 0}.advisory-copy12{padding:55px 0}.advisory-graphic12{min-height:300px}.decision-entry-head{grid-template-columns:1fr;gap:15px}.final12 .container{display:block}
}
@media(max-width:600px){
 .brand img{height:34px;max-width:130px}.hero12-copy h1{font-size:49px}.hero-actions{flex-direction:column}.hero-actions>*{width:100%;text-align:center}.brandline12 .container{grid-template-columns:1fr}.brandline12 .container>div{border-right:0;border-bottom:1px solid rgba(255,255,255,.18)}.brandline12 .container>div:last-child{border-bottom:0}.canvas-head,.decision-entry-head{display:block}.overview12 h2,.canvas-head h2,.business-copy h2,.individual12-panel h2,.wealth-copy12 h2,.advisory-copy12 h2,.decision-entry-head h2,.company-strip12 h2,.final12 h2{font-size:31px}.decision-notes{grid-template-columns:1fr}.decision-notes>div:nth-child(odd){border-right:0}.individual12-list a{padding:17px 18px}.wealth-steps{grid-template-columns:1fr 1fr}.advisory-graphic12{padding:15px}.footer-top{grid-template-columns:1fr}.legal{display:block}
}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}

/* V13: hero image quality and contained display */
.hero12-media > img,
.hero-visual > img,
.v10-bg img,
.hero11-image > img{image-rendering:auto;backface-visibility:hidden;transform:translateZ(0)}
.hero12-media,.hero-visual,.v10-bg,.hero11-image{overflow:hidden}

/* V14: stronger horizontal brand lockup + larger navigation */
.site-header .brand{display:flex;align-items:center;min-width:235px}
.site-header .brand img{display:block;width:220px;height:auto;max-width:none;object-fit:contain}
.site-header .desktop-nav{gap:30px;align-items:center;white-space:nowrap}
.site-header .desktop-nav a{font-size:13px;line-height:1.2;font-weight:750;padding:7px 0}
.site-header .nav{gap:34px}
.site-header .nav-cta{font-size:12px;padding:11px 17px;white-space:nowrap}
.footer-logo-block img{width:220px;height:auto;max-width:none;object-fit:contain}
@media(max-width:1100px){
  .site-header .brand{min-width:205px}
  .site-header .brand img{width:195px}
  .site-header .desktop-nav{gap:20px}
  .site-header .desktop-nav a{font-size:12px}
  .site-header .nav{gap:22px}
}
@media(max-width:900px){
  .site-header .brand{min-width:0}
  .site-header .brand img{width:165px}
}
@media(max-width:600px){
  .site-header .brand img{width:145px}
}

/* V15: infographic-led financial disciplines section */
.decision-overview{background:#f2f7f7;padding:72px 0 78px}.decision-overview-head{display:grid;grid-template-columns:1fr 390px;gap:65px;align-items:end;margin-bottom:25px}.decision-overview-head h2{font-size:39px;line-height:1.07;letter-spacing:-.045em;margin:9px 0}.decision-overview-head>p{font-size:12px;line-height:1.65;color:var(--muted);margin:0}.decision-overview-visual{background:#fff;border:1px solid #d8e4e8;border-radius:12px;overflow:hidden;box-shadow:0 16px 35px rgba(8,35,52,.06)}.decision-overview-visual img{display:block;width:100%;height:auto}
@media(max-width:900px){.decision-overview-head{grid-template-columns:1fr;gap:14px}.decision-overview-head h2{font-size:33px}}
@media(max-width:600px){.decision-overview{padding:55px 0}.decision-overview-head h2{font-size:30px}.decision-overview-visual{border-radius:8px}}

/* V16: consistent service-journey layout */
.journeys{padding:78px 0 84px;background:#f4f7f7}.journeys-head{display:grid;grid-template-columns:1fr 410px;gap:65px;align-items:end;margin-bottom:28px}.journeys-head h2{font-size:40px;line-height:1.07;letter-spacing:-.045em;margin:9px 0}.journeys-head>p{font-size:12px;line-height:1.65;color:var(--muted);margin:0}
.journeys-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:15px}.journey-card{display:flex;flex-direction:column;background:#fff;border:1px solid #d4e0e4;border-radius:10px;overflow:hidden;min-height:500px;box-shadow:0 12px 28px rgba(8,35,52,.05)}.journey-visual{height:220px;padding:0;display:flex;align-items:center;justify-content:center;overflow:hidden}.journey-visual img{width:100%;height:100%;object-fit:cover;display:block}.journey-visual.advisory-visual,.journey-visual.wealth-visual{padding:18px;background:#eef4f5}.journey-visual.advisory-visual img,.journey-visual.wealth-visual img{object-fit:contain}
.journey-body{padding:25px;display:flex;flex-direction:column;flex:1}.journey-kicker{display:flex;gap:9px;align-items:center;font-size:8px;letter-spacing:.14em;color:var(--teal);font-weight:850}.journey-kicker span{display:grid;place-items:center;width:22px;height:22px;border-radius:50%;border:1px solid #b9dfe1;color:#087f8c;font-size:8px}.journey-body h3{font-size:25px;line-height:1.08;letter-spacing:-.025em;margin:12px 0 10px;color:var(--ink)}.journey-body p{font-size:11px;color:var(--muted);line-height:1.55;margin:0 0 17px}.journey-pills{display:flex;flex-wrap:wrap;gap:6px;margin-top:auto;padding-top:15px;border-top:1px solid var(--line);margin-bottom:18px}.journey-pills span{padding:6px 8px;background:#eef5f6;border-radius:4px;color:#3e6978;font-size:8px}.journey-body>a{font-size:10px;font-weight:850;color:var(--teal)}.journey-body>a b{font-size:13px;margin-left:5px}
.journey-note{background:#fff;padding:42px 0;border-bottom:1px solid var(--line)}.journey-note-grid{display:grid;grid-template-columns:1.25fr 1fr 1fr 1fr;gap:0}.journey-note-grid>div{padding:8px 24px;border-left:1px solid var(--line)}.journey-note-grid>div:first-child{border-left:0;padding-left:0}.journey-note-grid h3{font-size:21px;margin:8px 0}.journey-note-item span{font-size:8px;letter-spacing:.13em;color:var(--teal);font-weight:850}.journey-note-item p{font-size:9.5px;color:var(--muted);line-height:1.55;margin:6px 0 0}
@media(max-width:900px){.journeys-head{grid-template-columns:1fr;gap:15px}.journeys-grid{grid-template-columns:1fr}.journey-card{min-height:0}.journey-note-grid{grid-template-columns:1fr 1fr}.journey-note-grid>div{border-left:0;border-top:1px solid var(--line);padding:18px 0}.journey-note-grid>div:nth-child(even){padding-left:18px;border-left:1px solid var(--line)}}
@media(max-width:600px){.journeys{padding:55px 0}.journeys-head h2{font-size:30px}.journey-visual{height:190px}.journey-body h3{font-size:23px}.journey-note-grid{grid-template-columns:1fr}.journey-note-grid>div:nth-child(even){padding-left:0;border-left:0}}

/* V17 — clean institutional MSK layout */
:root{--navy:#071f31;--navy2:#0b3048;--teal:#078e9f;--cyan:#51c4c5;--gold:#d5a043;--ink:#0b2a40;--muted:#687d8b;--paper:#eef3f4;--line:#cfdae0}
.site-header{height:82px;background:#fff;border-bottom:1px solid #dce5e9;position:sticky;top:0;z-index:80}.nav{height:82px}.brand img{width:215px;height:auto;display:block}.desktop-nav{display:flex;gap:25px}.desktop-nav a{font-size:12px;font-weight:750;color:#29485a}.nav-cta{background:var(--gold);color:#071f31;border:0;border-radius:5px;padding:11px 17px;font-size:11px;font-weight:850}.menu-btn{display:none}.mobile-nav{position:absolute;top:82px;left:0;right:0;background:#fff;border-top:1px solid var(--line);box-shadow:0 10px 25px rgba(7,31,49,.1)}.mobile-nav a{display:block;padding:10px 18px;border-bottom:1px solid #edf1f3;font-size:11px;color:var(--ink)}
.kicker{display:flex;align-items:center;gap:9px;font-size:9px;letter-spacing:.17em;color:var(--teal);font-weight:900}.kicker:before{content:"";width:24px;height:2px;background:var(--gold)}.kicker.light{color:#72d1d3}.kicker.light:before{background:var(--gold)}
.hero17{background:var(--navy);color:#fff}.hero17-grid{display:grid;grid-template-columns:45% 55%;min-height:490px}.hero17-copy{padding:68px 55px 60px 0;display:flex;flex-direction:column;justify-content:center}.hero17-copy h1{font-size:clamp(52px,5.2vw,72px);line-height:.95;letter-spacing:-.06em;margin:10px 0 20px}.hero17-copy p{font-size:14px;color:#c4d5dd;max-width:510px;margin:0 0 23px}.hero-actions{display:flex;gap:12px}.light-link{display:inline-flex;align-items:center;color:#fff;border:1px solid rgba(255,255,255,.4);padding:10px 15px;border-radius:5px;font-size:10px;font-weight:850}.hero17-visual{background:#f4f8f8;position:relative;overflow:hidden;display:flex;align-items:center;justify-content:center;padding:22px}.hero17-visual>img{width:100%;height:auto;max-height:400px;object-fit:contain}.hero17-visual-head{position:absolute;left:38px;top:30px;z-index:2;background:rgba(255,255,255,.91);padding:9px 12px;border-radius:4px;box-shadow:0 6px 18px rgba(0,0,0,.07)}.hero17-visual-head span{display:block;font-size:7px;letter-spacing:.15em;color:var(--teal);font-weight:900}.hero17-visual-head strong{display:block;font-size:11px;color:var(--ink);margin-top:3px}.hero17-logo{position:absolute;right:25px;bottom:25px;width:180px;background:#fff;padding:10px 13px;border-radius:5px;box-shadow:0 14px 30px rgba(7,31,49,.12)}.hero17-logo img{width:100%;height:auto;display:block}
.brand-rail17{background:var(--teal);color:#fff}.brand-rail17 .container{display:grid;grid-template-columns:repeat(3,1fr)}.brand-rail17 a{min-height:72px;padding:11px 24px;display:grid;grid-template-columns:31px 1fr;grid-template-rows:auto auto;gap:2px 10px;align-items:center;border-right:1px solid rgba(255,255,255,.19)}.brand-rail17 a:last-child{border-right:0}.brand-rail17 b{grid-row:1/3;width:25px;height:25px;border:1px solid rgba(255,255,255,.55);border-radius:50%;display:grid;place-items:center;font-size:8px}.brand-rail17 span{font-size:10px;font-weight:850}.brand-rail17 small{font-size:8px;color:#d8eef0}
.positioning17{padding:76px 0;background:#fff}.positioning-grid{display:grid;grid-template-columns:1fr 1fr;gap:90px}.positioning17 h2{font-size:41px;line-height:1.07;letter-spacing:-.045em;margin:9px 0}.positioning17 p{font-size:14px;color:var(--muted);max-width:500px}.small-links{display:flex;gap:20px;margin-top:20px}.small-links a{font-size:10px;color:var(--teal);font-weight:850}
.service-map17{padding:74px 0;background:var(--paper)}.service-map-head{display:grid;grid-template-columns:1fr 390px;gap:60px;align-items:end;margin-bottom:26px}.service-map-head h2{font-size:38px;line-height:1.07;letter-spacing:-.045em;margin:9px 0}.service-map-head p{font-size:12px;color:var(--muted);margin:0}.service-map-body{display:grid;grid-template-columns:67% 33%;gap:15px}.service-map-main{background:#fff;border:1px solid var(--line);border-radius:10px;overflow:hidden}.service-map-main img{width:100%;display:block}.service-map-side{background:var(--navy);border-radius:10px;overflow:hidden}.service-map-side a{display:block;padding:22px 24px;color:#fff;border-bottom:1px solid rgba(255,255,255,.12);min-height:120px}.service-map-side a:last-child{border-bottom:0}.service-map-side span{font-size:8px;letter-spacing:.13em;color:#72d1d4;font-weight:900}.service-map-side h3{font-size:21px;margin:7px 0}.service-map-side p{font-size:10px;color:#b6cbd4;margin:0 0 8px}.service-map-side b{font-size:9px;color:#fff}
.business-spotlight17{padding:82px 0;background:#fff}.business-top{display:grid;grid-template-columns:1fr 420px;gap:60px;align-items:end}.business-top h2{font-size:39px;line-height:1.07;letter-spacing:-.045em;margin:9px 0}.business-top>p{font-size:12px;line-height:1.7;color:var(--muted);margin:0}.business-columns{display:grid;grid-template-columns:repeat(4,1fr);border-top:1px solid var(--line);margin-top:30px}.business-columns>div{padding:22px 16px 16px 0;border-bottom:1px solid var(--line)}.business-columns>div+div{padding-left:16px;border-left:1px solid var(--line)}.business-columns b{display:block;font-size:8px;letter-spacing:.12em;color:var(--teal)}.business-columns span{display:block;font-size:13px;font-weight:850;margin-top:7px}.business-columns small{display:block;font-size:9px;line-height:1.5;color:var(--muted);margin-top:5px}.dark-btn17{display:inline-flex;margin-top:26px;background:var(--navy);color:#fff;padding:11px 16px;border-radius:5px;font-size:10px;font-weight:850}
.individual-spotlight17{padding:78px 0;background:#f0f5f6}.individual17-grid{display:grid;grid-template-columns:42% 58%;gap:75px}.individual17-copy h2{font-size:39px;line-height:1.07;letter-spacing:-.045em;margin:9px 0}.individual17-copy p{font-size:13px;color:var(--muted);max-width:470px}.text-link{font-size:10px;color:var(--teal);font-weight:850}.individual17-flow{border-top:1px solid var(--line)}.individual17-flow>div{display:grid;grid-template-columns:32px 1fr 18px;gap:10px;padding:16px 0;border-bottom:1px solid var(--line)}.individual17-flow span{font-size:8px;color:var(--teal);font-weight:900}.individual17-flow b{font-size:11px}.individual17-flow small{grid-column:2;font-size:9px;color:var(--muted);margin-top:-5px}.individual17-flow>div:after{content:"→";grid-column:3;grid-row:1/3;color:var(--teal)}
.wealth17{background:var(--navy2);color:#fff}.wealth17-grid{display:grid;grid-template-columns:59% 41%;min-height:470px}.wealth17-visual{padding:42px 0 42px 30px;display:flex;align-items:center}.wealth17-visual img{width:100%;display:block}.wealth17-copy{padding:72px 0 68px 55px;display:flex;flex-direction:column;justify-content:center}.wealth17-copy h2{font-size:42px;line-height:1.05;letter-spacing:-.045em;margin:9px 0 13px}.wealth17-copy p{font-size:13px;color:#b8ccd5;max-width:460px;margin:0 0 21px}.outline-light{display:inline-flex;color:#fff;border:1px solid rgba(255,255,255,.45);padding:10px 15px;border-radius:5px;font-size:10px;font-weight:850;align-self:flex-start}
.advisory17{background:#061d30;color:#fff}.advisory17-grid{display:grid;grid-template-columns:43% 57%;min-height:450px}.advisory17-copy{padding:72px 55px 65px 0;display:flex;flex-direction:column;justify-content:center}.advisory17-copy h2{font-size:40px;line-height:1.06;letter-spacing:-.045em;margin:9px 0 13px}.advisory17-copy p{font-size:13px;color:#b9ccd5;max-width:490px;margin:0 0 21px}.advisory17-graphic{display:flex;align-items:center;background:#f0f5f6;padding:20px}.advisory17-graphic img{width:100%;display:block}
.decision17{padding:78px 0;background:#e8eff1}.decision17-head{display:grid;grid-template-columns:1fr 400px;gap:55px;align-items:end;margin-bottom:24px}.decision17-head h2{font-size:39px;line-height:1.07;letter-spacing:-.045em;margin:9px 0}.decision17-head>p{font-size:12px;color:var(--muted);margin:0}.decision17-grid{display:grid;grid-template-columns:repeat(3,1fr);border-top:1px solid #ccd8dd}.decision17-grid a{position:relative;display:grid;grid-template-columns:28px 1fr 18px;gap:9px;padding:20px 18px 20px 0;border-bottom:1px solid #ccd8dd}.decision17-grid a+ a{padding-left:18px;border-left:1px solid #ccd8dd}.decision17-grid span{font-size:8px;color:var(--teal);font-weight:900}.decision17-grid b{font-size:11px}.decision17-grid small{grid-column:2;font-size:9px;color:var(--muted);margin-top:-4px}.decision17-grid em{grid-column:3;grid-row:1/3;font-style:normal;color:var(--teal)}
.company17{padding:78px 0;background:#fff}.company17-grid{display:grid;grid-template-columns:1fr 1fr;gap:80px}.company17 h2{font-size:40px;line-height:1.06;letter-spacing:-.045em;margin:9px 0}.company17 p{font-size:13px;color:var(--muted);max-width:500px}.company17-links{border-top:1px solid var(--line)}.company17-links a{display:block;padding:16px 0;border-bottom:1px solid var(--line);font-size:11px;color:var(--teal);font-weight:850}.company17-links span{display:block;font-size:9px;color:var(--muted);font-weight:400;margin-top:3px}
.contact17{background:#dce7ea;padding:62px 0}.contact17-grid{display:flex;align-items:end;justify-content:space-between;gap:30px}.contact17 h2{font-size:36px;line-height:1.06;letter-spacing:-.04em;margin:9px 0}.contact17 p{font-size:12px;color:var(--muted);margin:0}
.site-footer{background:var(--navy)}.footer-logo-block img{width:180px;height:auto;max-width:none}.footer-logo-block span{display:block;font-size:8px;letter-spacing:.13em;color:#9cb3bd;margin-top:7px}.footer-summary{font-size:10px;color:#97aeb9}
@media(max-width:900px){
 .desktop-nav{display:none}.menu-btn{display:block}.nav-cta{display:none}.site-header,.nav{height:68px}.mobile-nav{top:68px}.brand img{width:165px}
 .hero17-grid,.positioning-grid,.service-map-body,.individual17-grid,.wealth17-grid,.advisory17-grid,.company17-grid{grid-template-columns:1fr;gap:0}.hero17-copy{padding:58px 0}.hero17-visual{min-height:340px}.service-map-head,.business-top,.decision17-head{grid-template-columns:1fr;gap:15px}.service-map-side{display:grid;grid-template-columns:repeat(3,1fr)}.service-map-side a{min-height:190px}.business-columns{grid-template-columns:1fr 1fr}.individual17-flow{margin-top:30px}.wealth17-visual{padding:28px 0 0}.wealth17-copy{padding:58px 0}.advisory17-copy{padding:58px 0}.advisory17-graphic{min-height:310px}.decision17-grid{grid-template-columns:1fr}.decision17-grid a+ a{padding-left:0;border-left:0}.contact17-grid{display:block}
}
@media(max-width:600px){
 .container{width:calc(100% - 28px)}.brand img{width:145px}.hero17-copy h1{font-size:48px}.hero-actions{flex-direction:column}.hero-actions>*{width:100%;text-align:center}.hero17-visual{min-height:300px}.hero17-logo{width:160px;right:15px;bottom:15px}.brand-rail17 .container{grid-template-columns:1fr}.brand-rail17 a{border-right:0;border-bottom:1px solid rgba(255,255,255,.18)}.brand-rail17 a:last-child{border-bottom:0}.positioning17 h2,.service-map-head h2,.business-top h2,.individual17-copy h2,.wealth17-copy h2,.advisory17-copy h2,.decision17-head h2,.company17 h2,.contact17 h2{font-size:30px}.service-map-side{grid-template-columns:1fr}.business-columns{grid-template-columns:1fr}.business-columns>div+div{padding-left:0;border-left:0}.individual17-flow{margin-top:20px}.wealth17-visual{padding:15px 0 0}.advisory17-graphic{min-height:250px;padding:10px}.footer-top{grid-template-columns:1fr}.legal{display:block}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}

/* ================= V18 Reference Theme ================= */
:root{--v18-navy:#071f31;--v18-blue:#0b3048;--v18-teal:#078e9f;--v18-gold:#d5a043;--v18-ink:#0b2a40;--v18-muted:#647a87;--v18-line:#d3dfe4;--v18-paper:#f1f6f7;--v18-white:#fff}
body{background:#fff;color:var(--v18-ink);font-family:Inter,Arial,Helvetica,sans-serif}.site-header{height:78px;background:#fff;border-bottom:1px solid #dfe7ea;position:sticky;top:0;z-index:100}.nav{height:78px;display:flex;align-items:center;gap:30px}.brand{margin-right:auto;display:flex;align-items:center}.brand img{width:220px;height:auto;display:block}.nav-links{display:flex;gap:27px}.nav-links a{font-size:12px;font-weight:750;color:#2c495a}.nav-links a:hover{color:var(--v18-teal)}.nav-cta{background:var(--v18-gold);color:var(--v18-navy);font-size:11px;font-weight:850;padding:11px 16px;border-radius:4px}.menu{display:none}.mobile-nav{position:absolute;top:78px;left:0;right:0;background:#fff;border-top:1px solid var(--v18-line);box-shadow:0 12px 24px rgba(7,31,49,.08)}.mobile-nav a{display:block;padding:11px 18px;border-bottom:1px solid #eef2f4;color:var(--v18-ink);font-size:11px}
.hero-actions{display:flex;gap:11px}.light-link{display:inline-flex;align-items:center;justify-content:center;color:#fff;border:1px solid rgba(255,255,255,.42);padding:10px 15px;border-radius:5px;font-size:10px;font-weight:850}.dark-btn18{display:inline-flex;background:var(--v18-navy);color:#fff;padding:10px 15px;border-radius:5px;font-size:10px;font-weight:850}.theme-hero{background:#eaf2f3;position:relative;overflow:hidden;min-height:490px}.theme-hero-art{position:absolute;right:0;top:0;width:57%;height:100%;overflow:hidden;background:#e7eff1}.theme-hero-art .art-grid{position:absolute;inset:0;background-image:linear-gradient(rgba(7,31,49,.055) 1px,transparent 1px),linear-gradient(90deg,rgba(7,31,49,.055) 1px,transparent 1px);background-size:28px 28px}.theme-hero-art img{position:absolute;right:5%;top:50%;transform:translateY(-50%);width:86%;max-height:92%;object-fit:contain;filter:drop-shadow(0 18px 26px rgba(7,31,49,.12))}.theme-hero-grid{display:grid;grid-template-columns:47% 53%;min-height:490px;position:relative;z-index:2}.theme-hero-copy{padding:66px 45px 60px 0;display:flex;flex-direction:column;justify-content:center}.theme-hero-copy h1{font-size:clamp(53px,5.5vw,75px);line-height:.95;letter-spacing:-.06em;margin:10px 0 20px}.theme-hero-copy p{font-size:14px;color:#516b7a;max-width:510px;margin:0 0 24px}.theme-hero-copy .kicker{color:var(--v18-teal)}.hero-identity{align-self:end;justify-self:end;width:215px;margin:0 25px 30px 0;padding:15px 16px;background:#fff;border-radius:6px;box-shadow:0 14px 32px rgba(7,31,49,.12);text-align:center}.hero-identity img{width:100%;height:auto;display:block}.hero-identity span{display:block;margin-top:6px;font-size:7px;letter-spacing:.14em;color:#8c6b2b;font-weight:850}
.three-pillars{background:var(--v18-teal);color:#fff}.pillar-grid18{display:grid;grid-template-columns:repeat(3,1fr)}.pillar-grid18>a{min-height:80px;padding:13px 24px;display:grid;grid-template-columns:35px 1fr 18px;gap:10px;align-items:center;border-right:1px solid rgba(255,255,255,.18)}.pillar-grid18>a:last-child{border-right:0}.pillar-grid18 b{width:27px;height:27px;border:1px solid rgba(255,255,255,.55);border-radius:50%;display:grid;place-items:center;font-size:8px}.pillar-grid18 span{display:block;font-size:10px;font-weight:850;letter-spacing:.08em}.pillar-grid18 small{display:block;font-size:8px;color:#d6eef0;margin-top:3px}.pillar-grid18 em{font-style:normal;font-size:13px}
.intro-theme{padding:79px 0;background:#fff}.intro-theme-grid{display:grid;grid-template-columns:1fr 1fr;gap:85px}.intro-theme h2{font-size:41px;line-height:1.06;letter-spacing:-.045em;margin:9px 0}.intro-theme p{font-size:14px;line-height:1.7;color:var(--v18-muted);max-width:520px}.intro-links{display:flex;gap:22px;margin-top:20px}.intro-links a{font-size:10px;color:var(--v18-teal);font-weight:850}
.service-theme{padding:76px 0;background:var(--v18-paper)}.service-theme-head{display:grid;grid-template-columns:1fr 410px;gap:60px;align-items:end;margin-bottom:25px}.service-theme-head h2{font-size:38px;line-height:1.07;letter-spacing:-.04em;margin:9px 0}.service-theme-head p{font-size:12px;line-height:1.65;color:var(--v18-muted);margin:0}.service-theme-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:15px}.service-visual-card{background:#fff;border:1px solid var(--v18-line);border-radius:9px;overflow:hidden;display:flex;flex-direction:column;min-height:480px;box-shadow:0 12px 27px rgba(7,31,49,.045)}.service-visual-card.dark-card-theme{background:var(--v18-navy);color:#fff;border-color:var(--v18-navy)}.svc-art{height:214px;background:#edf4f5;overflow:hidden;display:flex;align-items:center;justify-content:center;padding:0}.svc-art img{width:100%;height:100%;object-fit:cover;display:block}.dark-card-theme .svc-art{padding:10px}.dark-card-theme .svc-art img{object-fit:contain}.service-visual-card:nth-child(3) .svc-art{padding:9px}.service-visual-card:nth-child(3) .svc-art img{object-fit:contain}.svc-copy{padding:23px;display:flex;flex-direction:column;flex:1}.svc-copy span{font-size:8px;letter-spacing:.14em;color:var(--v18-teal);font-weight:900}.svc-copy h3{font-size:24px;line-height:1.08;margin:8px 0}.svc-copy p{font-size:10.5px;line-height:1.58;color:var(--v18-muted);margin:0 0 18px}.dark-card-theme .svc-copy p{color:#b8ccd5}.svc-copy b{margin-top:auto;color:var(--v18-teal);font-size:10px}.dark-card-theme .svc-copy b{color:#fff}
.business-theme{padding:82px 0;background:#fff}.business-theme-head{display:grid;grid-template-columns:1fr 420px;gap:65px;align-items:end;margin-bottom:25px}.business-theme-head h2{font-size:39px;line-height:1.07;letter-spacing:-.045em;margin:9px 0}.business-theme-head p{font-size:12px;color:var(--v18-muted);line-height:1.7}.business-theme-grid{display:grid;grid-template-columns:67% 33%;gap:15px}.business-map{border:1px solid var(--v18-line);border-radius:9px;overflow:hidden}.business-map img{width:100%;display:block}.business-points{border-top:1px solid var(--v18-line)}.business-points a{display:block;padding:16px 0;border-bottom:1px solid var(--v18-line)}.business-points span{display:block;font-size:8px;letter-spacing:.13em;color:var(--v18-teal);font-weight:900}.business-points b{display:block;font-size:12px;margin-top:5px}.business-points small{display:block;font-size:9px;color:var(--v18-muted);margin-top:3px}
.visual-story{padding:75px 0;background:var(--v18-paper)}.visual-story-grid{display:grid;grid-template-columns:56% 44%;gap:54px;align-items:center}.visual-story-image{border-radius:10px;overflow:hidden;box-shadow:0 18px 35px rgba(7,31,49,.09)}.visual-story-image img{width:100%;display:block}.visual-story-copy h2{font-size:38px;line-height:1.07;letter-spacing:-.04em;margin:9px 0 22px}.story-row{display:grid;grid-template-columns:32px 1fr;gap:11px;padding:14px 0;border-top:1px solid var(--v18-line)}.story-row:last-child{border-bottom:1px solid var(--v18-line)}.story-row>span{font-size:8px;color:var(--v18-teal);font-weight:900}.story-row b{font-size:11px}.story-row p{font-size:9px;color:var(--v18-muted);margin:3px 0 0}
.process-theme{padding:79px 0;background:#fff}.process-theme-grid{display:grid;grid-template-columns:38% 62%;gap:55px;align-items:center}.process-theme h2{font-size:39px;line-height:1.06;letter-spacing:-.045em;margin:9px 0 14px}.process-theme p{font-size:13px;color:var(--v18-muted);line-height:1.7;max-width:440px;margin:0 0 20px}.process-visual{border-radius:10px;overflow:hidden;border:1px solid var(--v18-line)}.process-visual img{width:100%;display:block}
.wealth-advisory-theme{background:#eef4f5;padding:75px 0}.wa-grid{display:grid;grid-template-columns:1fr 1fr;gap:15px}.wa-panel{border-radius:10px;overflow:hidden;min-height:500px;position:relative;border:1px solid var(--v18-line);display:flex;flex-direction:column}.wa-panel>img{width:100%;height:275px;object-fit:contain;background:#f3f7f8;display:block}.wa-panel>div:last-child{padding:25px;flex:1}.wealth-panel18{background:var(--v18-navy);color:#fff;border-color:var(--v18-navy)}.wealth-panel18>img{background:#0c334b}.wealth-panel18 p{font-size:11px;color:#b7ccd5;margin:0 0 14px}.wealth-panel18 a{font-size:10px;color:#fff;font-weight:850}.advisory-panel18{background:#fff}.advisory-panel18 p{font-size:11px;color:var(--v18-muted);margin:0 0 14px}.advisory-panel18 a{font-size:10px;color:var(--v18-teal);font-weight:850}.wa-panel h3{font-size:27px;line-height:1.07;margin:8px 0}
.company-theme{padding:80px 0;background:#fff}.company-theme-grid{display:grid;grid-template-columns:1fr 1fr;gap:85px}.company-theme h2{font-size:40px;line-height:1.06;letter-spacing:-.04em;margin:9px 0}.company-theme p{font-size:13px;color:var(--v18-muted);max-width:480px}.company-nav-theme{border-top:1px solid var(--v18-line)}.company-nav-theme a{display:block;padding:16px 0;border-bottom:1px solid var(--v18-line);color:var(--v18-teal)}.company-nav-theme b{display:block;font-size:11px}.company-nav-theme span{display:block;color:var(--v18-muted);font-size:9px;margin-top:3px}
.contact-theme{background:#dce8eb;padding:67px 0}.contact-theme-grid{display:flex;align-items:end;justify-content:space-between;gap:30px}.contact-theme h2{font-size:37px;line-height:1.06;letter-spacing:-.04em;margin:9px 0}.contact-theme p{font-size:12px;color:var(--v18-muted);margin:0}
.footer{background:#071f31;color:#fff;padding:42px 0 18px}.footer-top{display:flex;justify-content:space-between;gap:35px;align-items:end;padding-bottom:24px;border-bottom:1px solid rgba(255,255,255,.12)}.footer-brand img{width:190px;height:auto;display:block}.footer-brand span{display:block;font-size:8px;color:#a4b9c2;letter-spacing:.14em;margin-top:7px}.footer-top>p{font-size:10px;color:#94a9b3;max-width:320px;margin:0}.footer-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:40px;padding:28px 0}.footer-grid strong{font-size:10px}.footer-grid a,.footer-grid span{display:block;font-size:9px;color:#98aeb8;margin-top:8px}.footer-bottom{border-top:1px solid rgba(255,255,255,.1);padding-top:13px;display:flex;justify-content:space-between;color:#718a96;font-size:8px}
@media(max-width:900px){.site-header,.nav{height:68px}.brand img{width:175px}.desktop-nav{display:none}.nav-links{display:none}.menu{display:block;background:#fff;border:1px solid var(--v18-line);padding:8px 11px;border-radius:5px;font-size:10px}.mobile-nav{top:68px}.theme-hero,.theme-hero-grid{min-height:0}.theme-hero-grid{grid-template-columns:1fr}.theme-hero-copy{padding:55px 0}.theme-hero-art{position:relative;width:100%;height:330px}.theme-hero-art img{width:90%;right:5%;top:52%}.hero-identity{position:absolute;right:18px;bottom:18px;width:180px;margin:0}.pillar-grid18{grid-template-columns:1fr}.pillar-grid18>a{border-right:0;border-bottom:1px solid rgba(255,255,255,.17)}.pillar-grid18>a:last-child{border-bottom:0}.intro-theme-grid,.process-theme-grid,.visual-story-grid,.company-theme-grid{grid-template-columns:1fr;gap:30px}.service-theme-head,.business-theme-head{grid-template-columns:1fr;gap:15px}.service-theme-grid{grid-template-columns:1fr}.business-theme-grid{grid-template-columns:1fr}.business-points{display:grid;grid-template-columns:1fr 1fr}.business-points a:nth-child(odd){padding-right:15px}.business-points a:nth-child(even){padding-left:15px;border-left:1px solid var(--v18-line)}.wa-grid{grid-template-columns:1fr}.contact-theme-grid{display:block}.contact-theme-grid .primary-btn{margin-top:20px}}
@media(max-width:600px){.brand img{width:150px}.theme-hero-copy h1{font-size:48px}.hero-actions{flex-direction:column}.hero-actions>*{width:100%;text-align:center}.hero-identity{width:155px}.service-theme,.business-theme,.visual-story,.process-theme,.wealth-advisory-theme,.company-theme{padding:56px 0}.intro-theme{padding:58px 0}.intro-theme h2,.service-theme-head h2,.business-theme-head h2,.visual-story-copy h2,.process-theme h2,.company-theme h2,.contact-theme h2{font-size:31px}.business-points{grid-template-columns:1fr}.business-points a:nth-child(even){padding-left:0;border-left:0}.wa-panel>img{height:220px}.footer-top{display:block}.footer-top>p{margin-top:14px}.footer-grid{grid-template-columns:1fr 1fr}.footer-bottom{display:block}.footer-bottom span+span{display:block;margin-top:7px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}

/* ========================= V19 REFERENCE REPLICA THEME ========================= */
:root{--r-navy:#071f31;--r-blue:#0c3550;--r-teal:#078e9f;--r-cyan:#54c3c5;--r-gold:#d5a043;--r-ink:#12344a;--r-muted:#6c818e;--r-line:#d5e1e5;--r-pale:#f1f6f7;--r-pale2:#e9f1f3}
body{font-family:Inter,Arial,Helvetica,sans-serif;color:var(--r-ink);background:#fff}.replica-header{height:78px;background:#fff;border-bottom:1px solid var(--r-line);position:sticky;top:0;z-index:100}.replica-nav{height:78px;display:flex;align-items:center;gap:30px}.replica-brand{margin-right:auto;display:flex;align-items:center}.replica-brand img{width:210px;height:auto;display:block}.replica-menu{display:flex;gap:23px}.replica-menu a{font-size:12px;font-weight:750;color:#335266}.replica-menu a:hover{color:var(--r-teal)}.replica-cta{background:var(--r-teal);color:#fff;padding:10px 15px;border-radius:4px;font-size:10px;font-weight:850}.replica-menu-btn{display:none;background:#fff;border:1px solid var(--r-line);border-radius:4px;padding:8px 10px}.replica-mobile{position:absolute;top:78px;left:0;right:0;background:#fff;border-top:1px solid var(--r-line);box-shadow:0 10px 20px rgba(7,31,49,.1)}.replica-mobile a{display:block;padding:10px 20px;border-bottom:1px solid #eef2f4;color:var(--r-ink);font-size:11px}
.replica-hero{background:#edf4f6;overflow:hidden}.replica-hero-grid{display:grid;grid-template-columns:46% 54%;min-height:475px}.replica-hero-copy{padding:62px 52px 55px 0;display:flex;flex-direction:column;justify-content:center}.replica-hero-copy h1{font-size:clamp(52px,5vw,72px);line-height:.95;letter-spacing:-.055em;margin:10px 0 20px}.replica-hero-copy p{font-size:14px;line-height:1.65;color:#607684;max-width:510px;margin:0 0 23px}.replica-hero-copy .kicker{color:var(--r-teal)}.replica-outline{display:inline-flex;align-items:center;justify-content:center;padding:10px 15px;border:1px solid rgba(7,31,49,.4);border-radius:4px;font-size:10px;color:var(--r-ink);font-weight:850}.replica-hero-visual{position:relative;background:#dfecef;min-height:475px;display:flex;align-items:center;justify-content:center;overflow:hidden;padding:28px}.replica-hero-visual>img{width:92%;max-height:420px;height:auto;object-fit:contain;filter:drop-shadow(0 16px 25px rgba(7,31,49,.12))}.hero-visual-top{position:absolute;left:28px;top:25px;background:rgba(255,255,255,.88);padding:8px 11px;border-radius:4px}.hero-visual-top span{display:block;font-size:7px;letter-spacing:.13em;color:var(--r-teal);font-weight:900}.hero-visual-top strong{display:block;font-size:10px;margin-top:3px}.hero-visual-card{position:absolute;right:24px;bottom:22px;background:#fff;border-radius:6px;padding:10px 12px;width:175px;text-align:center;box-shadow:0 12px 28px rgba(7,31,49,.12)}.hero-visual-card img{width:100%;height:auto;display:block}.hero-visual-card span{font-size:6.5px;letter-spacing:.14em;color:#8f6c2d;font-weight:900;display:block;margin-top:4px}
.replica-pillars{background:var(--r-teal);color:#fff}.replica-pillars .container{display:grid;grid-template-columns:repeat(3,1fr)}.replica-pillars a{min-height:78px;padding:13px 24px;display:grid;grid-template-columns:32px 1fr 15px;grid-template-rows:auto auto;gap:2px 10px;align-items:center;border-right:1px solid rgba(255,255,255,.18)}.replica-pillars a:last-child{border-right:0}.replica-pillars b{grid-row:1/3;width:25px;height:25px;border:1px solid rgba(255,255,255,.6);border-radius:50%;display:grid;place-items:center;font-size:8px}.replica-pillars span{font-size:10px;font-weight:900}.replica-pillars small{font-size:8px;color:#d6eef0}.replica-pillars a:after{content:"→";grid-column:3;grid-row:1/3;font-size:12px}
.replica-story{padding:76px 0;background:#fff}.story-grid{display:grid;grid-template-columns:1fr 1fr;gap:90px}.story-grid h2{font-size:41px;line-height:1.06;letter-spacing:-.045em;margin:9px 0}.story-grid p{font-size:14px;line-height:1.7;color:var(--r-muted);max-width:500px}.story-grid a,.company-showcase-links a,.topics-head>a{font-size:10px;color:var(--r-teal);font-weight:900}
.services-rhythm{padding:76px 0;background:var(--r-pale)}.services-head{display:grid;grid-template-columns:1fr 400px;gap:60px;align-items:end;margin-bottom:28px}.services-head h2{font-size:38px;line-height:1.07;letter-spacing:-.045em;margin:9px 0}.services-head p{font-size:12px;line-height:1.65;color:var(--r-muted)}.service-rhythm-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.sr-card{background:#fff;border:1px solid var(--r-line);border-radius:8px;overflow:hidden;min-height:450px;display:flex;flex-direction:column}.sr-card:nth-child(2){background:#0c3048;color:#fff;border-color:#0c3048}.sr-art{height:210px;background:#eef5f6;overflow:hidden;display:flex;align-items:center;justify-content:center}.sr-art img{width:100%;height:100%;object-fit:cover}.sr-card:nth-child(2) .sr-art,.sr-card:nth-child(3) .sr-art{padding:10px}.sr-card:nth-child(2) .sr-art img,.sr-card:nth-child(3) .sr-art img{object-fit:contain}.sr-copy{padding:23px;display:flex;flex-direction:column;flex:1}.sr-copy span{font-size:8px;letter-spacing:.14em;color:var(--r-teal);font-weight:900}.sr-copy h3{font-size:24px;line-height:1.08;margin:8px 0 11px}.sr-copy p{font-size:10.5px;line-height:1.6;color:var(--r-muted);margin:0 0 17px}.sr-card:nth-child(2) .sr-copy p{color:#b9cdd6}.sr-copy b{margin-top:auto;font-size:10px;color:var(--r-teal)}.sr-card:nth-child(2) .sr-copy b{color:#fff}
.service-model{padding:75px 0;background:#fff}.model-head{display:grid;grid-template-columns:1fr 390px;gap:60px;align-items:end;margin-bottom:26px}.model-head h2{font-size:38px;line-height:1.07;letter-spacing:-.045em;margin:9px 0}.model-head p{font-size:12px;color:var(--r-muted);line-height:1.7}.model-visual{border:1px solid var(--r-line);border-radius:9px;overflow:hidden;background:var(--r-pale);box-shadow:0 12px 28px rgba(7,31,49,.04)}.model-visual img{width:100%;display:block}
.business-focus{padding:78px 0;background:var(--r-pale2)}.business-focus-grid{display:grid;grid-template-columns:55% 45%;min-height:510px}.business-focus-copy{padding:18px 50px 18px 0;display:flex;flex-direction:column;justify-content:center}.business-focus-copy h2{font-size:39px;line-height:1.07;letter-spacing:-.045em;margin:9px 0 13px}.business-focus-copy>p{font-size:13px;color:var(--r-muted);max-width:520px}.business-categories{border-top:1px solid var(--r-line);margin-top:18px}.business-categories a{display:grid;grid-template-columns:1fr 30px;gap:5px;padding:13px 0;border-bottom:1px solid var(--r-line)}.business-categories b{font-size:11px}.business-categories span{font-size:9px;color:var(--r-muted)}.business-categories a:after{content:"→";grid-column:2;grid-row:1/3;color:var(--r-teal);align-self:center}.business-image{position:relative;overflow:hidden;border-radius:8px}.business-image img{width:100%;height:100%;object-fit:cover}.image-caption{position:absolute;left:20px;bottom:20px;background:#fff;padding:11px 13px;color:var(--r-ink);font-size:8px;font-weight:900;letter-spacing:.13em;line-height:1.45}
.wealth-story{background:#0c3048;color:#fff}.wealth-story-grid{display:grid;grid-template-columns:53% 47%;min-height:500px}.wealth-image{min-height:500px;overflow:hidden}.wealth-image img{width:100%;height:100%;object-fit:cover}.wealth-copy{padding:75px 0 65px 55px;display:flex;flex-direction:column;justify-content:center}.wealth-copy h2{font-size:41px;line-height:1.05;letter-spacing:-.045em;margin:9px 0 14px}.wealth-copy p{font-size:13px;color:#b7ccd5;max-width:480px}.wealth-steps{display:grid;grid-template-columns:repeat(4,1fr);border-top:1px solid rgba(255,255,255,.14);margin:25px 0 20px}.wealth-steps div{padding:14px 5px 0 0}.wealth-steps b{font-size:8px;color:#70d0d3}.wealth-steps span{display:block;font-size:10px;font-weight:850;margin-top:4px}.wealth-copy>a,.capital-copy>a{font-size:10px;color:#fff;font-weight:900}
.capital-story{background:#071f31;color:#fff}.capital-story-grid{display:grid;grid-template-columns:42% 58%;min-height:460px}.capital-copy{padding:70px 55px 65px 0;display:flex;flex-direction:column;justify-content:center}.capital-copy h2{font-size:39px;line-height:1.06;letter-spacing:-.045em;margin:9px 0 14px}.capital-copy p{font-size:13px;color:#b9ccd5;max-width:480px;margin:0 0 22px}.capital-graphic{background:#eef4f5;display:flex;align-items:center;padding:20px}.capital-graphic img{width:100%;display:block}
.process{padding:75px 0;background:#fff}.process-grid{display:grid;grid-template-columns:38% 62%;gap:55px;align-items:center}.process-copy h2{font-size:38px;line-height:1.07;letter-spacing:-.045em;margin:9px 0 13px}.process-copy p{font-size:13px;line-height:1.7;color:var(--r-muted);max-width:430px}.process-copy a{font-size:10px;color:var(--r-teal);font-weight:900}.process-art{border:1px solid var(--r-line);border-radius:9px;overflow:hidden}.process-art img{width:100%;display:block}
.journey-collage{padding:76px 0;background:var(--r-pale)}.collage-grid{display:grid;grid-template-columns:42% 58%;gap:55px;align-items:center}.collage-copy h2{font-size:39px;line-height:1.06;letter-spacing:-.045em;margin:9px 0 12px}.collage-copy>p{font-size:13px;color:var(--r-muted);max-width:440px}.collage-links{border-top:1px solid var(--r-line);margin-top:22px}.collage-links a{display:grid;grid-template-columns:1fr auto;padding:13px 0;border-bottom:1px solid var(--r-line)}.collage-links b{font-size:11px}.collage-links span{font-size:9px;color:var(--r-muted);align-self:center}.collage-image{border-radius:8px;overflow:hidden}.collage-image img{width:100%;display:block}
.company-showcase{padding:76px 0;background:#fff}.company-showcase-grid{display:grid;grid-template-columns:1fr 1fr;gap:85px}.company-showcase h2{font-size:40px;line-height:1.05;letter-spacing:-.045em;margin:9px 0}.company-showcase p{font-size:13px;color:var(--r-muted);max-width:470px}.company-showcase-links{border-top:1px solid var(--r-line)}.company-showcase-links a{display:block;padding:15px 0;border-bottom:1px solid var(--r-line)}.company-showcase-links b{font-size:11px}.company-showcase-links span{display:block;font-size:9px;color:var(--r-muted);font-weight:400;margin-top:3px}
.contact-visual{background:#eef4f5;padding:72px 0}.contact-grid{display:grid;grid-template-columns:45% 55%;min-height:390px}.contact-form-lead{padding:55px 55px 45px 0;display:flex;flex-direction:column;justify-content:center}.contact-form-lead h2{font-size:37px;line-height:1.06;letter-spacing:-.04em;margin:9px 0 13px}.contact-form-lead p{font-size:12px;color:var(--r-muted);max-width:440px;margin:0 0 18px}.dark-btn{display:inline-flex;background:var(--r-navy);color:#fff;padding:10px 15px;border-radius:4px;font-size:10px;font-weight:850;align-self:flex-start}.contact-image{position:relative;border-radius:8px;overflow:hidden}.contact-image img{width:100%;height:100%;object-fit:cover}.contact-badge{position:absolute;left:18px;bottom:18px;background:#fff;padding:12px 14px;border-radius:5px;display:grid;grid-template-columns:repeat(3,1fr);gap:10px;box-shadow:0 12px 28px rgba(7,31,49,.11)}.contact-badge strong{font-size:9px;color:var(--r-teal)}
.final-topics{padding:65px 0;background:#fff}.topics-head{display:flex;justify-content:space-between;align-items:end;gap:25px;margin-bottom:20px}.topics-head h2{font-size:34px;line-height:1.08;letter-spacing:-.04em;margin:9px 0}.topics-grid{display:grid;grid-template-columns:repeat(3,1fr);border-top:1px solid var(--r-line)}.topics-grid a{min-height:140px;padding:20px 18px 14px 0;border-bottom:1px solid var(--r-line)}.topics-grid a+a{padding-left:18px;border-left:1px solid var(--r-line)}.topics-grid span{display:block;font-size:8px;color:var(--r-teal);font-weight:900}.topics-grid b{display:block;font-size:13px;margin-top:8px}.topics-grid small{display:block;font-size:9px;color:var(--r-muted);margin-top:5px}
.replica-final{background:#0c2e45;color:#fff;padding:78px 0}.replica-final .container{display:flex;justify-content:space-between;align-items:end;gap:30px}.replica-final h2{font-size:41px;line-height:1.05;letter-spacing:-.04em;margin:9px 0}.replica-final p{font-size:10px;color:#9db5c0}
.replica-footer{background:#071f31;color:#fff;padding:38px 0 15px}.replica-footer-brand{display:flex;justify-content:space-between;align-items:end;gap:30px;padding-bottom:24px;border-bottom:1px solid rgba(255,255,255,.11)}.replica-footer-brand img{width:190px;display:block}.replica-footer-brand span{display:block;color:#9db4bd;font-size:8px;letter-spacing:.13em;margin-top:6px}.replica-footer-brand p{font-size:10px;color:#93aab5;max-width:300px}.replica-footer-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:35px;padding:26px 0}.replica-footer-grid strong{font-size:10px}.replica-footer-grid a,.replica-footer-grid span{display:block;font-size:9px;color:#95acb6;margin-top:8px}.replica-footer-bottom{border-top:1px solid rgba(255,255,255,.11);padding-top:12px;display:flex;justify-content:space-between;color:#6f8894;font-size:8px}
@media(max-width:900px){
 .replica-menu{display:none}.replica-menu-btn{display:block}.replica-cta{display:none}.replica-header,.replica-nav{height:68px}.replica-mobile{top:68px}.replica-brand img{width:175px}
 .replica-hero-grid,.story-grid,.business-focus-grid,.wealth-story-grid,.capital-story-grid,.process-grid,.collage-grid,.company-showcase-grid,.contact-grid{grid-template-columns:1fr}.replica-hero-copy{padding:55px 0}.replica-hero-visual{min-height:330px}.hero-visual-card{width:160px}.replica-pillars .container{grid-template-columns:1fr}.replica-pillars a{border-right:0;border-bottom:1px solid rgba(255,255,255,.18)}.replica-pillars a:last-child{border-bottom:0}.services-head,.model-head,.business-theme-head,.decision17-head{grid-template-columns:1fr}.service-rhythm-grid{grid-template-columns:1fr}.business-image{min-height:360px}.business-focus-copy{padding:0 0 50px}.wealth-image{min-height:350px}.wealth-copy{padding:58px 0}.capital-story-grid{min-height:0}.capital-copy{padding:58px 0}.process-grid{gap:30px}.topics-grid{grid-template-columns:1fr}.topics-grid a+a{padding-left:0;border-left:0}.replica-final .container{display:block}.replica-final .primary-btn{margin-top:20px}.replica-footer-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:600px){
 .container{width:calc(100% - 28px)}.replica-brand img{width:148px}.replica-hero-copy h1{font-size:48px}.hero-actions{flex-direction:column}.hero-actions>*{width:100%;text-align:center}.hero-visual-card{width:145px}.story-grid h2,.services-head h2,.model-head h2,.business-focus-copy h2,.wealth-copy h2,.capital-copy h2,.process-copy h2,.collage-copy h2,.company-showcase h2,.contact-form-lead h2,.topics-head h2,.replica-final h2{font-size:30px}.wealth-steps{grid-template-columns:1fr 1fr}.contact-image{min-height:280px}.replica-footer-brand{display:block}.replica-footer-brand p{margin-top:14px}.replica-footer-grid{grid-template-columns:1fr 1fr}.replica-footer-bottom{display:block}.replica-footer-bottom span+span{display:block;margin-top:6px}
}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}

/* ================= V20: reference-inspired component mix ================= */
body{background:#fff;color:#11344a}.replica-header{height:72px;background:#fff;border-bottom:1px solid #dfe7ea;position:sticky;top:0;z-index:90}.replica-nav{height:72px}.replica-brand img{width:190px;height:auto}.replica-menu{gap:20px}.replica-menu a{font-size:11px}.replica-cta{background:#078e9f;padding:9px 14px;font-size:10px}.replica-hero{background:#eef5f7}.hero-grid{display:grid;grid-template-columns:47% 53%;min-height:450px}.hero-copy{padding:54px 55px 48px 0;display:flex;flex-direction:column;justify-content:center}.hero-copy h1{font-size:clamp(50px,5.2vw,70px);line-height:.95;letter-spacing:-.055em;margin:10px 0 18px}.hero-copy p{font-size:14px;line-height:1.6;color:#657b88;max-width:500px;margin:0 0 22px}.hero-copy .kicker{color:#078e9f}.dark-outline20{display:inline-flex;padding:10px 15px;border:1px solid #29495b;border-radius:4px;color:#12344a;font-size:10px;font-weight:850}.hero-art{position:relative;min-height:450px;background:#e2edf0;display:flex;align-items:center;justify-content:center;padding:22px}.hero-art>img{width:92%;height:auto;max-height:390px;object-fit:contain}.hero-top{position:absolute;left:25px;top:22px;padding:8px 10px;background:rgba(255,255,255,.9);border-radius:4px}.hero-top span{display:block;font-size:7px;color:#078e9f;letter-spacing:.15em;font-weight:900}.hero-top b{font-size:10px;display:block;margin-top:3px}.hero-brand{position:absolute;right:21px;bottom:20px;background:#fff;border-radius:5px;width:175px;padding:10px 12px;box-shadow:0 12px 24px rgba(7,31,49,.12);text-align:center}.hero-brand img{width:100%;height:auto;display:block}.hero-brand small{font-size:6.5px;color:#8b6a2c;letter-spacing:.14em;font-weight:900}.hero-rail{background:#078e9f;color:#fff}.hero-rail .container{display:grid;grid-template-columns:repeat(3,1fr)}.hero-rail a{min-height:76px;padding:12px 22px;display:grid;grid-template-columns:30px 1fr;gap:2px 9px;align-items:center;border-right:1px solid rgba(255,255,255,.2)}.hero-rail a:last-child{border-right:0}.hero-rail b{grid-row:1/3;width:24px;height:24px;border:1px solid rgba(255,255,255,.55);border-radius:50%;display:grid;place-items:center;font-size:7px}.hero-rail span{font-size:10px;font-weight:900}.hero-rail small{font-size:8px;color:#d9eff1}
.opening{padding:70px 0;background:#fff}.opening-grid{display:grid;grid-template-columns:1fr 1fr;gap:80px}.opening-grid h2{font-size:39px;line-height:1.06;letter-spacing:-.045em;margin:9px 0}.opening-grid p{font-size:14px;line-height:1.7;color:#667d8a;max-width:510px}.opening-grid a{font-size:10px;color:#078e9f;font-weight:900}
.feature-split{background:#f1f6f7;padding:72px 0}.feature-split-grid{display:grid;grid-template-columns:50% 50%;min-height:430px}.feature-split-image{position:relative;overflow:hidden;border-radius:8px}.feature-split-image img{width:100%;height:100%;object-fit:cover}.feature-split-image span{position:absolute;bottom:17px;left:17px;background:#fff;color:#12344a;padding:9px 11px;border-radius:4px;font-size:7px;letter-spacing:.14em;font-weight:900}.feature-split-copy{padding:48px 0 44px 48px}.feature-split-copy h2{font-size:38px;line-height:1.07;letter-spacing:-.045em;margin:9px 0 13px}.feature-split-copy p{font-size:13px;line-height:1.7;color:#687e8b;max-width:470px}.feature-stat-row{display:grid;grid-template-columns:repeat(3,1fr);border-top:1px solid #d4e0e4;border-bottom:1px solid #d4e0e4;margin:24px 0}.feature-stat-row div{padding:15px 9px 14px 0}.feature-stat-row b{display:block;color:#078e9f;font-size:8px}.feature-stat-row span{display:block;font-size:11px;font-weight:900;margin-top:5px}.feature-stat-row small{display:block;font-size:8.5px;color:#687e8b;margin-top:2px}.dark-btn20{display:inline-flex;background:#071f31;color:#fff;padding:10px 15px;border-radius:4px;font-size:10px;font-weight:850}.focus{display:none}
.focus{display:block;padding:70px 0;background:#fff}.focus-grid{display:grid;grid-template-columns:56% 44%;gap:55px;align-items:center}.focus-image{border-radius:8px;overflow:hidden}.focus-image img{width:100%;display:block}.focus-copy{padding-left:0}.focus-copy h2{font-size:37px;line-height:1.07;letter-spacing:-.045em;margin:9px 0 20px}.focus-item{display:grid;grid-template-columns:30px 1fr;gap:10px;border-top:1px solid #d6e1e5;padding:13px 0}.focus-item span{font-size:8px;color:#078e9f;font-weight:900}.focus-item b{font-size:11px}.focus-item p{font-size:9px;color:#687e8b;margin:4px 0 0}.visual-services{padding:72px 0;background:#f1f6f7}.vs-head{display:grid;grid-template-columns:1fr 390px;gap:55px;align-items:end;margin-bottom:27px}.vs-head h2{font-size:38px;line-height:1.07;letter-spacing:-.045em;margin:9px 0}.vs-head p{font-size:12px;color:#687e8b;line-height:1.65}.vs-grid{display:grid;grid-template-columns:57% 43%;gap:14px}.vs-main{background:#fff;border:1px solid #d6e1e5;border-radius:8px;overflow:hidden;display:grid;grid-template-rows:1fr auto;min-height:510px}.vs-main-image{overflow:hidden}.vs-main-image img{width:100%;height:100%;object-fit:cover}.vs-main>div:last-child{padding:22px}.vs-main span,.vs-stack span{font-size:8px;letter-spacing:.13em;color:#078e9f;font-weight:900}.vs-main h3{font-size:25px;line-height:1.08;margin:8px 0}.vs-main p{font-size:10px;color:#687e8b;max-width:520px}.vs-main b,.vs-stack b{font-size:10px;color:#078e9f}.vs-stack{display:grid;grid-template-rows:1fr 1fr;gap:14px}.vs-stack>a{background:#fff;border:1px solid #d6e1e5;border-radius:8px;overflow:hidden;display:grid;grid-template-columns:58% 42%;min-height:248px}.vs-stack>a:first-child{background:#071f31;color:#fff;border-color:#071f31}.vs-stack>a>div{background:#edf4f5;display:flex;align-items:center;justify-content:center;padding:10px}.vs-stack>a>div img{width:100%;height:100%;object-fit:contain}.vs-stack section{padding:20px;display:flex;flex-direction:column;justify-content:end}.vs-stack h3{font-size:21px;line-height:1.08;margin:7px 0 14px}.vs-stack p{font-size:9px;color:#6c808d}.vs-stack>a:first-child span{color:#71d1d3}.vs-stack>a:first-child b{color:#fff}
.business-story{padding:78px 0;background:#fff}.business-story-grid{display:grid;grid-template-columns:47% 53%;gap:55px;align-items:center}.business-story-copy h2{font-size:38px;line-height:1.07;letter-spacing:-.045em;margin:9px 0 13px}.business-story-copy>p{font-size:13px;line-height:1.65;color:#687e8b}.business-links{border-top:1px solid #d6e1e5;margin-top:20px}.business-links a{display:grid;grid-template-columns:1fr auto;padding:13px 0;border-bottom:1px solid #d6e1e5}.business-links b{font-size:10px}.business-links span{font-size:8.5px;color:#687e8b}.business-links a:after{content:"→";color:#078e9f;grid-column:2;grid-row:1/3}.business-story-art{border:1px solid #d6e1e5;border-radius:8px;overflow:hidden}.business-story-art img{width:100%;display:block}
.metrics{background:#078e9f;color:#fff}.metrics-grid{display:grid;grid-template-columns:repeat(4,1fr)}.metrics-grid>div{min-height:105px;padding:20px 18px;border-right:1px solid rgba(255,255,255,.2)}.metrics-grid>div:last-child{border-right:0}.metrics-grid b{font-size:8px;color:#d5a043}.metrics-grid span{display:block;font-size:11px;font-weight:900;margin-top:6px}.metrics-grid small{display:block;color:#d5eef0;font-size:8px;line-height:1.4;margin-top:4px}
.wealth-story{background:#071f31;color:#fff;padding:0}.wealth-story-grid20{display:grid;grid-template-columns:58% 42%;min-height:460px}.wealth-art20{background:#0c344b;display:flex;align-items:center;padding:32px}.wealth-art20 img{width:100%;display:block}.wealth-copy20{padding:55px 0 50px 52px;display:flex;flex-direction:column;justify-content:center}.wealth-copy20 h2{font-size:38px;line-height:1.05;letter-spacing:-.045em;margin:9px 0 13px}.wealth-copy20 p{font-size:12px;color:#b6cbd4;max-width:440px}.light-link20{display:inline-flex;border:1px solid rgba(255,255,255,.42);color:#fff;padding:10px 14px;border-radius:4px;font-size:9px;font-weight:850;align-self:flex-start}
.advisory-story{background:#eef4f5}.advisory-story-grid20{display:grid;grid-template-columns:42% 58%;min-height:450px}.advisory-copy20{background:#071f31;color:#fff;padding:58px 52px 50px 0;display:flex;flex-direction:column;justify-content:center}.advisory-copy20 h2{font-size:38px;line-height:1.06;letter-spacing:-.045em;margin:9px 0 13px}.advisory-copy20 p{font-size:12px;line-height:1.65;color:#b8ccd5;max-width:440px}.advisory-art20{display:flex;align-items:center;padding:20px;background:#edf4f5}.advisory-art20 img{width:100%;display:block}
.process{padding:75px 0;background:#fff}.process-grid{display:grid;grid-template-columns:38% 62%;gap:55px;align-items:center}.process-copy h2{font-size:38px;line-height:1.07;letter-spacing:-.045em;margin:9px 0 13px}.process-copy p{font-size:13px;line-height:1.7;color:#687e8b;max-width:430px}.process-copy a{font-size:10px;color:#078e9f;font-weight:900}.process-art{border:1px solid #d6e1e5;border-radius:8px;overflow:hidden}.process-art img{width:100%;display:block}
.collage-story{padding:74px 0;background:#eef4f5}.collage-story-grid20{display:grid;grid-template-columns:58% 42%;gap:50px;align-items:center}.collage-story-art{border-radius:8px;overflow:hidden}.collage-story-art img{width:100%;display:block}.collage-story-copy h2{font-size:38px;line-height:1.06;letter-spacing:-.045em;margin:9px 0 14px}.collage-story-copy>p{font-size:12px;color:#687e8b;margin-bottom:16px}.collage-story-copy>a{display:flex;justify-content:space-between;padding:13px 0;border-top:1px solid #d5e1e5}.collage-story-copy b{font-size:10px}.collage-story-copy span{font-size:9px;color:#687e8b}
.company-story{padding:76px 0;background:#fff}.company-story-grid20{display:grid;grid-template-columns:1fr 1fr;gap:80px}.company-story-grid20 h2{font-size:40px;line-height:1.06;letter-spacing:-.045em;margin:9px 0}.company-story-grid20 p{font-size:13px;color:#687e8b;max-width:480px}.company-story-links{border-top:1px solid #d5e1e5}.company-story-links a{display:block;padding:15px 0;border-bottom:1px solid #d5e1e5;color:#078e9f}.company-story-links b{font-size:10px}.company-story-links span{display:block;font-size:9px;color:#687e8b;margin-top:3px}
.contact-visual{padding:72px 0;background:#eef4f5}.contact-grid{display:grid;grid-template-columns:44% 56%;min-height:370px}.contact-form-lead{padding:52px 50px 45px 0;display:flex;flex-direction:column;justify-content:center}.contact-form-lead h2{font-size:36px;line-height:1.06;letter-spacing:-.04em;margin:9px 0 13px}.contact-form-lead p{font-size:12px;color:#687e8b;max-width:420px}.contact-image{border-radius:8px;overflow:hidden;position:relative}.contact-image img{width:100%;height:100%;object-fit:cover}.contact-badge{position:absolute;left:17px;bottom:17px;background:#fff;padding:11px 13px;border-radius:5px;display:flex;gap:14px}.contact-badge strong{font-size:9px;color:#078e9f}
.tools-story{padding:68px 0;background:#fff}.tools-story-grid20{display:grid;grid-template-columns:1fr 1fr;gap:65px;align-items:center}.tools-story-grid20 h2{font-size:36px;line-height:1.06;letter-spacing:-.04em;margin:9px 0}.tools-story-grid20 p{font-size:12px;color:#687e8b;max-width:500px}.tool-story-card{background:#071f31;color:#fff;border-radius:7px;padding:25px}.tool-story-card span{font-size:8px;letter-spacing:.14em;color:#71d0d3}.tool-story-card strong{display:block;font-size:23px;margin:7px 0 13px}.tool-story-card b{font-size:9px}
.replica-final{padding:76px 0;background:#078e9f;color:#fff}.replica-final .container{display:flex;justify-content:space-between;align-items:end;gap:30px}.replica-final h2{font-size:40px;line-height:1.05;letter-spacing:-.045em;margin:9px 0}.replica-final p{font-size:10px;color:#d5eef0}
.replica-footer{background:#071f31;padding:38px 0 15px}.replica-footer-brand img{width:190px}.replica-footer-brand span{font-size:8px}.replica-footer-grid a,.replica-footer-grid span{font-size:8.5px}
@media(max-width:900px){
 .replica-menu{display:none}.replica-menu-btn{display:block}.replica-cta{display:none}.replica-header,.replica-nav{height:68px}.replica-brand img{width:175px}
 .hero-grid,.opening-grid,.feature-split-grid,.focus-grid,.vs-grid,.business-story-grid,.wealth-story-grid20,.advisory-story-grid20,.process-grid,.collage-story-grid20,.company-story-grid20,.contact-grid,.tools-story-grid20{grid-template-columns:1fr;gap:30px}
 .hero-copy{padding:55px 0}.hero-art{min-height:330px}.hero-brand{width:155px}
 .hero-rail .container{grid-template-columns:1fr}.hero-rail a{border-right:0;border-bottom:1px solid rgba(255,255,255,.18)}.hero-rail a:last-child{border-bottom:0}
 .feature-split-copy{padding:0 0 45px}.feature-split-image{min-height:340px}.feature-stat-row{margin-top:18px}
 .vs-stack{grid-template-columns:1fr 1fr;grid-template-rows:none}.vs-stack>a{grid-template-columns:1fr;min-height:300px}.vs-stack>a>div{min-height:150px}
 .business-story-art{order:-1}.business-story-copy{padding-top:0}.metrics-grid{grid-template-columns:1fr 1fr}.metrics-grid>div:nth-child(even){border-right:0}
 .wealth-copy20{padding:55px 0}.wealth-art20{min-height:300px}.advisory-copy20{padding:55px 0}.advisory-art20{min-height:300px}.process-grid{gap:25px}.contact-form-lead{padding:0 0 30px}.contact-image{min-height:290px}.replica-final .container{display:block}.replica-final .primary-btn{margin-top:20px}
}
@media(max-width:600px){
 .replica-brand img{width:148px}.hero-copy h1{font-size:48px}.hero-actions{flex-direction:column}.hero-actions>*{width:100%;text-align:center}.hero-art{min-height:295px}.hero-brand{width:145px;right:14px;bottom:14px}.opening-grid h2,.feature-split-copy h2,.focus-copy h2,.vs-head h2,.business-story-copy h2,.wealth-copy20 h2,.advisory-copy20 h2,.process-copy h2,.collage-story-copy h2,.company-story-grid20 h2,.contact-form-lead h2,.tools-story-grid20 h2,.replica-final h2{font-size:30px}.feature-stat-row{grid-template-columns:1fr 1fr}.feature-stat-row div:nth-child(3){grid-column:1/-1}.vs-stack{grid-template-columns:1fr}.metrics-grid{grid-template-columns:1fr}.metrics-grid>div{border-right:0;border-bottom:1px solid rgba(255,255,255,.18)}.wealth-steps{grid-template-columns:1fr 1fr}.replica-footer-grid{grid-template-columns:1fr 1fr}.replica-footer-bottom{display:block}
}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}

/* ================= V22: isolated navigation styles ================= */
.msk-header{height:78px;background:#ffffff!important;border-bottom:1px solid #d8e2e7!important;position:sticky!important;top:0!important;z-index:10000!important;box-sizing:border-box!important}
.msk-nav{height:78px;display:flex;align-items:center;gap:30px}
.msk-logo{display:flex!important;align-items:center!important;flex:0 0 auto!important;margin-right:auto!important}
.msk-logo img{display:block!important;width:205px!important;height:auto!important;max-width:none!important;opacity:1!important;visibility:visible!important}
.msk-menu{display:flex!important;align-items:center!important;gap:22px!important;white-space:nowrap!important;visibility:visible!important;opacity:1!important}
.msk-menu a{display:inline-block!important;color:#17364a!important;background:transparent!important;font-size:12px!important;line-height:1.25!important;font-weight:800!important;text-decoration:none!important;opacity:1!important;visibility:visible!important;padding:5px 0!important}
.msk-menu a:hover,.msk-menu a:focus-visible{color:#078e9f!important}
.msk-enquire{display:inline-flex!important;align-items:center!important;justify-content:center!important;flex:0 0 auto!important;background:#d5a043!important;color:#071f31!important;text-decoration:none!important;font-size:12px!important;line-height:1!important;font-weight:900!important;padding:12px 18px!important;border-radius:5px!important;white-space:nowrap!important;opacity:1!important;visibility:visible!important}
.msk-toggle{display:none!important;width:40px!important;height:38px!important;padding:7px!important;background:#ffffff!important;border:1px solid #c9d8de!important;border-radius:5px!important;cursor:pointer!important}
.msk-toggle span{display:block!important;width:21px!important;height:2px!important;background:#17364a!important;margin:4px auto!important;border-radius:2px!important}
.msk-mobile[hidden]{display:none!important}
.msk-mobile{position:absolute!important;left:0!important;right:0!important;top:78px!important;background:#ffffff!important;border-top:1px solid #d8e2e7!important;box-shadow:0 16px 32px rgba(7,31,49,.12)!important}
.msk-mobile-inner{padding:10px 0 14px!important}
.msk-mobile-inner a{display:block!important;color:#17364a!important;background:#ffffff!important;font-size:14px!important;font-weight:750!important;text-decoration:none!important;padding:13px 4px!important;border-bottom:1px solid #e7eef1!important}
.msk-mobile-inner a:hover,.msk-mobile-inner a:focus-visible{color:#078e9f!important}
.msk-menu-open{overflow:hidden!important}
@media(max-width:1200px){
 .msk-nav{gap:20px}.msk-logo img{width:180px!important}.msk-menu{gap:16px!important}.msk-menu a{font-size:11px!important}.msk-enquire{font-size:11px!important;padding:11px 15px!important}
}
@media(max-width:1040px){
 .msk-menu{gap:12px!important}.msk-menu a{font-size:10px!important}.msk-logo img{width:165px!important}
}
@media(max-width:960px){
 .msk-header,.msk-nav{height:68px}.msk-menu,.msk-enquire{display:none!important}.msk-toggle{display:block!important}.msk-logo img{width:170px!important}.msk-mobile{top:68px!important}
}
@media(max-width:600px){
 .msk-nav{padding-left:14px!important;padding-right:14px!important}.msk-logo img{width:150px!important}.msk-mobile-inner{width:calc(100% - 28px)!important}.msk-mobile-inner a{font-size:13px!important}
}
@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important;animation:none!important}}


/* ================= V25: compact HD hero ================= */
.replica-hero{background:#edf4f6;overflow:hidden}
.hero-grid{display:grid;grid-template-columns:44% 56%;min-height:430px;align-items:stretch}
.hero-copy{padding:54px 42px 48px 0;display:flex;flex-direction:column;justify-content:center}
.hero-copy h1{font-size:clamp(48px,4.8vw,66px);line-height:.96;letter-spacing:-.055em;margin:10px 0 18px}
.hero-copy p{font-size:13px;line-height:1.65;color:#637985;max-width:480px;margin:0 0 21px}
.hero-copy .kicker{color:#078e9f}
.hero-link{display:inline-flex;align-items:center;justify-content:center;border:1px solid #3b5667;border-radius:5px;color:#16384b;padding:10px 15px;font-size:10px;font-weight:850}
.hero-visual{position:relative;display:flex;align-items:center;justify-content:center;padding:20px 18px 20px 0;overflow:hidden}
.hero-dashboard{position:relative;width:78%;max-width:650px;aspect-ratio:16/9;background:#0b3048;border-radius:8px;overflow:hidden;box-shadow:0 16px 28px rgba(7,31,49,.12)}
.hero-dashboard:after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(7,31,49,.08),rgba(7,31,49,0))}
.hero-dashboard>img{width:100%;height:100%;display:block;object-fit:contain;object-position:center}
.hero-label{position:absolute;left:16px;top:15px;z-index:2;padding:8px 10px;background:rgba(255,255,255,.92);border-radius:4px}
.hero-label span{display:block;color:#078e9f;font-size:6.5px;letter-spacing:.14em;font-weight:900}
.hero-label b{display:block;color:#17384d;font-size:9px;margin-top:3px}
.hero-logo{position:absolute;right:18px;bottom:18px;width:145px;background:#fff;padding:9px 11px;border-radius:5px;box-shadow:0 12px 24px rgba(7,31,49,.13);z-index:3}
.hero-logo img{width:100%;height:auto;display:block}
@media(max-width:900px){
  .hero-grid{grid-template-columns:1fr;min-height:0}
  .hero-copy{padding:54px 0 30px}
  .hero-visual{padding:0 0 35px;min-height:330px}
  .hero-dashboard{width:92%;max-width:none}
}
@media(max-width:600px){
  .hero-copy h1{font-size:47px}
  .hero-dashboard{width:100%}
  .hero-logo{width:135px;right:12px;bottom:12px}
}

/* V26: reduce image height for the "Clearer routes into lending, capital and wealth" section */
.feature-split{padding:60px 0!important}
.feature-split-grid{min-height:360px!important;align-items:center!important}
.feature-split-image{height:360px!important;min-height:0!important}
.feature-split-image img{height:100%!important;object-fit:cover!important}
.feature-split-copy{padding-top:25px!important;padding-bottom:25px!important}
@media(max-width:900px){
  .feature-split-grid{min-height:0!important}
  .feature-split-image{height:300px!important;min-height:300px!important}
}
@media(max-width:600px){
  .feature-split{padding:50px 0!important}
  .feature-split-image{height:240px!important;min-height:240px!important}
}

/* V27: +2px typography for the Clearer Routes feature section */
.feature-split-copy h2{font-size:40px!important}
.feature-split-copy p{font-size:15px!important}
.feature-stat-row span{font-size:13px!important}
.feature-stat-row small{font-size:10.5px!important}
.dark-btn20{font-size:12px!important}
@media(max-width:600px){
  .feature-split-copy h2{font-size:32px!important}
  .feature-split-copy p{font-size:13px!important}
}

/* V28: increase the requested 01/02/03 approach block typography by 3px */
.focus-item span{font-size:11px!important}
.focus-item b{font-size:14px!important}
.focus-item p{font-size:12px!important}
.focus-copy>.text-link{font-size:13px!important}
@media(max-width:600px){
  .focus-item span{font-size:10px!important}
  .focus-item b{font-size:13px!important}
  .focus-item p{font-size:11px!important}
  .focus-copy>.text-link{font-size:12px!important}
}

/* V29 — lighter, less overloaded OUR SERVICES composition */
.services-redesign{padding:72px 0;background:#f5f8f8}
.services-redesign-head{display:grid;grid-template-columns:1fr 320px;gap:50px;align-items:end;margin-bottom:28px}
.services-redesign-head h2{font-size:35px;line-height:1.08;letter-spacing:-.045em;margin:9px 0}
.services-redesign-head p{font-size:11px;line-height:1.65;color:#6b808c;margin:0}
.services-redesign-layout{display:grid;grid-template-columns:1.35fr .85fr;gap:16px}
.service-feature{background:#fff;border:1px solid #d8e3e7;border-radius:9px;overflow:hidden;display:grid;grid-template-columns:55% 45%;min-height:365px;box-shadow:0 10px 24px rgba(7,31,49,.04)}
.service-feature-art{background:#0b3048;display:flex;align-items:center;justify-content:center;overflow:hidden;padding:18px}
.service-feature-art img{width:100%;height:100%;object-fit:contain;display:block}
.service-feature-copy{padding:31px 28px;display:flex;flex-direction:column;justify-content:center}
.service-feature-copy>span,.service-compact span{font-size:8px;letter-spacing:.13em;color:#078e9f;font-weight:900}
.service-feature-copy h3{font-size:25px;line-height:1.08;margin:8px 0 10px}
.service-feature-copy p{font-size:10.5px;line-height:1.6;color:#687e8b;margin:0;max-width:290px}
.feature-route{display:flex;justify-content:space-between;align-items:center;margin-top:20px;padding-top:15px;border-top:1px solid #d7e2e6}
.feature-route a{font-size:10px;color:#078e9f;font-weight:900}.feature-route b{font-size:14px;color:#078e9f}
.service-compact-stack{display:grid;grid-template-rows:1fr 1fr;gap:16px}
.service-compact{background:#fff;border:1px solid #d8e3e7;border-radius:9px;padding:23px 22px;display:grid;grid-template-columns:38px 1fr 18px;gap:13px;align-items:center;box-shadow:0 10px 24px rgba(7,31,49,.035)}
.service-compact:nth-child(1){background:#071f31;border-color:#071f31;color:#fff}
.service-compact:nth-child(1) span{color:#72d1d3}.service-compact:nth-child(1) p{color:#b8ccd5}.service-compact:nth-child(1)>b{color:#fff}
.compact-icon{width:32px;height:32px;border:1px solid #a9cdd2;border-radius:50%;display:grid;place-items:center;grid-row:1/3}
.service-compact>div:nth-child(2){grid-column:2}.service-compact h3{font-size:20px;line-height:1.08;margin:6px 0 4px}.service-compact p{font-size:9.5px;color:#6b808c;line-height:1.45;margin:0}.service-compact>b{grid-column:3;grid-row:1/3;color:#078e9f;font-size:14px}
@media(max-width:900px){
 .services-redesign-head{grid-template-columns:1fr;gap:12px}
 .services-redesign-layout{grid-template-columns:1fr}
 .service-feature{grid-template-columns:1fr;min-height:0}
 .service-feature-art{min-height:250px}
 .service-compact-stack{grid-template-rows:auto auto}
}
@media(max-width:600px){
 .services-redesign{padding:54px 0}
 .services-redesign-head h2{font-size:29px}
 .service-feature-art{min-height:220px;padding:12px}
 .service-feature-copy{padding:24px 20px}
 .service-feature-copy h3{font-size:22px}
 .service-compact{padding:18px}
}

/* ================= V30: robust OUR SERVICES component ================= */
.services{padding:70px 0;background:#f3f7f8}
.services-head{display:grid;grid-template-columns:minmax(0,1fr) 360px;gap:55px;align-items:end;margin-bottom:26px}
.services-head h2{font-size:36px;line-height:1.07;letter-spacing:-.045em;margin:9px 0;color:#12344a}
.services-head>p{font-size:12px;line-height:1.65;color:#6b808c;margin:0}
.services-layout{display:grid;grid-template-columns:minmax(0,1.22fr) minmax(320px,.78fr);gap:14px}
.services-feature{display:grid;grid-template-columns:54% 46%;min-height:370px;border:1px solid #d4e0e5;border-radius:9px;background:#fff;overflow:hidden;box-shadow:0 10px 24px rgba(7,31,49,.04)}
.services-feature-art{background:#0a3048;display:flex;align-items:center;justify-content:center;padding:18px;overflow:hidden}
.services-feature-art img{width:100%;height:100%;object-fit:contain;display:block}
.services-feature-copy{padding:30px 27px;display:flex;flex-direction:column;justify-content:center}
.services-feature-copy>span,.services-item-copy>span{font-size:8px;line-height:1;letter-spacing:.14em;color:#078e9f;font-weight:900}
.services-feature-copy h3{font-size:25px;line-height:1.08;letter-spacing:-.025em;margin:9px 0 10px;color:#12344a}
.services-feature-copy p{font-size:11px;line-height:1.6;color:#687e8b;margin:0;max-width:315px}
.services-route{display:flex;justify-content:space-between;align-items:center;border-top:1px solid #d7e2e6;margin-top:20px;padding-top:15px}
.services-route a{font-size:10px;font-weight:900;color:#078e9f}
.services-route b{font-size:14px;color:#078e9f}
.services-side{display:grid;grid-template-rows:1fr 1fr;gap:14px}
.services-item{position:relative;display:grid;grid-template-columns:34px 1fr 18px;gap:12px;align-items:center;padding:25px 23px;border-radius:9px;border:1px solid #d4e0e5;overflow:hidden}
.services-item-dark{background:#0a2f47;border-color:#0a2f47;color:#fff}
.services-item-light{background:#fff;color:#12344a}
.services-number{grid-row:1/3;width:27px;height:27px;border:1px solid #a6cfd3;border-radius:50%;display:grid;place-items:center;font-size:8px;color:#078e9f;font-weight:900}
.services-item-copy{grid-column:2}
.services-item-copy h3{font-size:21px;line-height:1.08;letter-spacing:-.025em;margin:7px 0 5px}
.services-item-copy p{font-size:10px;line-height:1.5;color:#6b808c;margin:0}
.services-item-dark .services-item-copy>span{color:#72d1d3}
.services-item-dark .services-item-copy p{color:#b6cbd4}
.services-arrow{grid-column:3;grid-row:1/3;font-size:15px;color:#078e9f;align-self:center}
.services-item-dark .services-arrow{color:#fff}
@media(max-width:900px){
  .services-head{grid-template-columns:1fr;gap:13px}
  .services-layout{grid-template-columns:1fr}
  .services-feature{grid-template-columns:1fr;min-height:0}
  .services-feature-art{min-height:250px}
  .services-side{grid-template-rows:auto auto}
  .services-item{min-height:150px}
}
@media(max-width:600px){
  .services{padding:54px 0}
  .services-head h2{font-size:29px}
  .services-feature-art{min-height:215px;padding:12px}
  .services-feature-copy{padding:23px 20px}
  .services-feature-copy h3{font-size:22px}
  .services-item{padding:19px 17px}
  .services-item-copy h3{font-size:19px}
}

/* =========================================================
   Clean shared content scale
   ========================================================= */
:root{
  --content-max:1200px;
  --section-y:72px;
  --h1-size:clamp(48px,5vw,70px);
  --h2-size:clamp(32px,3.25vw,42px);
  --h3-size:22px;
  --body-size:13px;
  --small-size:10px;
}
.container{width:min(calc(100% - 56px),var(--content-max));margin-inline:auto}
section h2{font-size:var(--h2-size)!important;line-height:1.07!important;letter-spacing:-.04em!important}
section h3{font-size:var(--h3-size)!important;line-height:1.12!important}
section p{font-size:var(--body-size)!important;line-height:1.62!important}
.kicker{font-size:9px!important;letter-spacing:.15em!important;line-height:1.2!important}
.hero h1,.hero h1,.hero h1,.hero11 h1,.hero12 h1,.theme-hero h1,.replica-hero h1{font-size:var(--h1-size)!important;line-height:.96!important}
.services-redesign-head h2,.services-head h2,.vs-head h2,.service-theme-head h2,.services-head h2{font-size:var(--h2-size)!important}
.service-feature-copy h3,.services-feature-copy h3,.sr-copy h3,.service-compact h3{font-size:var(--h3-size)!important}
.service-feature-copy p,.services-feature-copy p,.service-compact p,.sr-copy p{font-size:var(--body-size)!important}
.feature-stat-row span,.business-links b,.business-categories b,.company-story-links b{font-size:12px!important}
.feature-stat-row small,.business-links span,.business-categories span,.company-story-links span{font-size:10px!important}
@media(max-width:900px){
  .container{width:calc(100% - 36px)}
  .hero h1,.hero h1,.hero h1,.hero11 h1,.hero12 h1,.theme-hero h1,.replica-hero h1{font-size:48px!important}
  section h2{font-size:32px!important}
}
@media(max-width:600px){
  .container{width:calc(100% - 28px)}
  .hero h1,.hero h1,.hero h1,.hero11 h1,.hero12 h1,.theme-hero h1,.replica-hero h1{font-size:46px!important}
  section h2{font-size:29px!important}
  section h3{font-size:20px!important}
  section p{font-size:12px!important}
  .feature-stat-row span,.business-links b,.business-categories b,.company-story-links b{font-size:11px!important}
  .feature-stat-row small,.business-links span,.business-categories span,.company-story-links span{font-size:9.5px!important}
}

/* =========================================================
   Shared MSK Financial Services footer
   ========================================================= */
.site-footer{
  background:#071f31;
  color:#fff;
  margin:0;
  padding:52px 0 18px;
}
.site-footer *{box-sizing:border-box}
.site-footer-main{
  display:grid;
  grid-template-columns:1.8fr 1fr 1fr 1fr 1.25fr;
  gap:34px;
  padding-bottom:34px;
}
.site-footer-brand{
  padding-right:25px;
}
.site-footer-brand a{
  display:inline-flex;
  align-items:center;
}
.site-footer-brand img{
  display:block;
  width:190px;
  height:auto;
  max-width:100%;
}
.site-footer-brand p{
  margin:18px 0 8px;
  color:#a8bbc4;
  font-size:11px;
  line-height:1.6;
  max-width:300px;
}
.site-footer-brand span{
  display:block;
  color:#d5a043;
  font-size:8px;
  font-weight:900;
  letter-spacing:.16em;
}
.site-footer-column{
  display:flex;
  flex-direction:column;
  align-items:flex-start;
}
.site-footer-column h3{
  margin:3px 0 12px;
  color:#fff;
  font-size:11px;
  font-weight:850;
  line-height:1.2;
}
.site-footer-column a,
.site-footer-column span{
  display:block;
  margin:0 0 9px;
  color:#9eb3bd;
  font-size:10px;
  line-height:1.45;
  text-decoration:none;
}
.site-footer-column a:hover,
.site-footer-column a:focus-visible{
  color:#fff;
}
.site-footer-bottom{
  border-top:1px solid rgba(255,255,255,.12);
  padding-top:14px;
  display:flex;
  justify-content:space-between;
  gap:20px;
  color:#748d99;
  font-size:8px;
  line-height:1.4;
}
@media(max-width:1000px){
  .site-footer-main{
    grid-template-columns:1.5fr 1fr 1fr 1fr;
  }
  .site-footer-brand{
    grid-column:1/-1;
    padding-right:0;
    padding-bottom:12px;
    border-bottom:1px solid rgba(255,255,255,.1);
  }
}
@media(max-width:700px){
  .site-footer{
    padding:40px 0 16px;
  }
  .site-footer-main{
    grid-template-columns:1fr 1fr;
    gap:28px 22px;
  }
  .site-footer-brand{
    grid-column:1/-1;
  }
  .site-footer-brand img{
    width:170px;
  }
  .site-footer-column h3{
    font-size:10px;
  }
  .site-footer-column a,
  .site-footer-column span{
    font-size:9.5px;
  }
}
@media(max-width:480px){
  .site-footer-main{
    grid-template-columns:1fr;
    gap:20px;
  }
  .site-footer-brand,
  .site-footer-column{
    grid-column:auto;
  }
  .site-footer-bottom{
    display:block;
  }
  .site-footer-bottom span{
    display:block;
  }
  .site-footer-bottom span+span{
    margin-top:7px;
  }
}

/* Final integrated career + service selection styles */
.selection-note{min-height:16px;margin-top:4px;color:#078e9f;font-size:10px;line-height:1.35;font-weight:750}
.career-opportunities{padding:72px 0;background:#fff}
.career-role-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}
.career-role{border:1px solid var(--page-line,#d3e0e5);border-radius:9px;padding:24px;background:#fff;display:flex;flex-direction:column;min-height:250px}
.career-role>span{font-size:8px;letter-spacing:.13em;color:#078e9f;font-weight:900}
.career-role>b{font-size:18px;line-height:1.15;margin:8px 0}
.career-role>p{font-size:11px!important;color:#687e8b;line-height:1.6!important;margin:0 0 18px}
.career-role>div{margin-top:auto;display:flex;gap:7px;flex-wrap:wrap}
.career-role em{font-style:normal;font-size:8px;color:#476c7b;background:#edf5f6;border-radius:4px;padding:6px 8px}
.career-apply{padding:78px 0;background:#071f31;color:#fff}
.career-apply-grid{display:grid;grid-template-columns:42% 58%;gap:55px;align-items:start}
.career-apply-intro{padding:12px 25px 12px 0}
.career-apply-intro h2{font-size:38px!important;line-height:1.05!important;margin:9px 0 12px}
.career-apply-intro p{font-size:13px!important;color:#b7cbd5;line-height:1.7!important;max-width:440px}
.career-apply-intro ul{margin:20px 0 0;padding:0;list-style:none;border-top:1px solid rgba(255,255,255,.12)}
.career-apply-intro li{font-size:10px;color:#d8e6ea;padding:12px 0;border-bottom:1px solid rgba(255,255,255,.12)}
.career-apply-intro li:before{content:"✓";color:#72d1d3;font-weight:900;margin-right:9px}
.file-help{font-size:9px;color:#687e8b}
.file-name{font-size:9px;color:#637985;margin-top:5px;min-height:14px}
.career-form input[type=file]{padding:8px;background:#fff}
.career-form .primary-btn{border:0}
@media(max-width:900px){.career-role-grid{grid-template-columns:1fr}.career-apply-grid{grid-template-columns:1fr;gap:28px}.career-apply-intro{padding:0}}
@media(max-width:600px){.career-opportunities,.career-apply{padding:54px 0}.career-apply-intro h2{font-size:30px!important}}