*,*:before,*:after{box-sizing:border-box;margin:0;padding:0}:root{--color-body: #333333;--color-h4: #394872;--color-white: #ffffff;--color-light-bg: #f7f7f7;--color-border: #e5e5e5;--color-muted: #777777;--color-footer-bg: #f9f9f9;--color-nav-bg: rgba(255, 255, 255, .97);--color-nav-shadow: rgba(0, 0, 0, .08);--font-body: "Open Sans", sans-serif;--font-display: "Montserrat", sans-serif;--fs-h1: 36px;--fs-h2: 30px;--fs-h3: 24px;--fs-h4: 18px;--fs-h5: 14px;--fs-h6: 12px;--fs-body: 15px;--fs-hero: 34px;--space-xs: .5rem;--space-sm: 1rem;--space-md: 1.5rem;--space-lg: 2.25rem;--space-xl: 3.5rem;--space-2xl: 5rem;--navbar-height: 70px;--transition-fast: .2s ease;--transition-med: .3s ease}html{scroll-behavior:smooth}body{font-family:var(--font-body);font-size:var(--fs-body);font-weight:400;letter-spacing:.03em;line-height:1.6;color:var(--color-body);background:var(--color-white);-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale}a{color:inherit;text-decoration:none;transition:opacity var(--transition-fast)}a:hover{opacity:.75}img{display:block;max-width:100%;height:auto}h1{font-family:var(--font-body);font-size:var(--fs-h1);font-weight:700;letter-spacing:1px;line-height:1.7;text-transform:uppercase;color:var(--color-body)}h2{font-family:var(--font-body);font-size:var(--fs-h2);font-weight:700;letter-spacing:1px;line-height:1.7;text-transform:uppercase;color:var(--color-body)}h3{font-family:var(--font-body);font-size:var(--fs-h3);font-weight:700;letter-spacing:1px;line-height:1.7;text-transform:uppercase;color:var(--color-body)}h4{font-family:var(--font-body);font-size:var(--fs-h4);font-weight:700;letter-spacing:1px;line-height:1.7;text-transform:uppercase;color:var(--color-h4)}h5{font-family:var(--font-body);font-size:var(--fs-h5);font-weight:700;letter-spacing:1px;line-height:1.7;text-transform:uppercase;color:var(--color-body)}h6{font-family:var(--font-body);font-size:var(--fs-h6);font-weight:700;letter-spacing:1px;line-height:1.7;text-transform:uppercase;color:var(--color-body)}.container{width:100%;max-width:1200px;margin:0 auto;padding:0 var(--space-md)}.scroll-top{position:fixed;bottom:2rem;right:2rem;width:42px;height:42px;background:var(--color-h4);color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;opacity:0;visibility:hidden;transition:opacity var(--transition-med),visibility var(--transition-med),transform var(--transition-med);cursor:pointer;z-index:999;border:none;box-shadow:0 4px 12px #00000026}.scroll-top.visible{opacity:1;visibility:visible}.scroll-top:hover{transform:translateY(-3px);opacity:1}.preloader{position:fixed;top:0;right:0;bottom:0;left:0;background:#fff;z-index:9999;display:flex;align-items:center;justify-content:center;transition:opacity .4s ease,visibility .4s ease}.preloader.hidden{opacity:0;visibility:hidden;pointer-events:none}.preloader-circles{display:flex;gap:10px}.preloader-circles span{width:14px;height:14px;background:var(--color-h4);border-radius:50%;animation:bounce 1.2s infinite ease-in-out}.preloader-circles span:nth-child(2){animation-delay:.2s}.preloader-circles span:nth-child(3){animation-delay:.4s}@keyframes bounce{0%,80%,to{transform:scale(.6);opacity:.4}40%{transform:scale(1);opacity:1}}.skip-to-main{position:absolute;top:-100%;left:1rem;z-index:10000;padding:.75rem 1.25rem;background:var(--color-h4, #394872);color:#fff;font-size:.875rem;font-weight:600;border-radius:0 0 4px 4px;text-decoration:none;transition:top .2s ease}.skip-to-main:focus{top:0;outline:3px solid #fff;outline-offset:2px}.navbar{position:fixed;top:20px;left:0;right:0;z-index:1000;height:var(--navbar-height);background:transparent;transition:background var(--transition-med),box-shadow var(--transition-med),top var(--transition-med)}.navbar--scrolled{top:0;background:var(--color-nav-bg);box-shadow:0 2px 20px var(--color-nav-shadow)}.navbar__inner{display:flex;align-items:center;justify-content:space-between;height:var(--navbar-height);width:100%;padding:0 4%}.navbar__logo img{height:30px;width:auto;display:block;transition:opacity var(--transition-med)}.navbar__menu{display:flex;align-items:center;list-style:none;gap:0;margin:0;padding:0}.navbar__item{position:relative}.navbar__link,.navbar__link--btn{display:flex;align-items:center;gap:4px;padding:0 14px;height:var(--navbar-height);font-family:var(--font-display);font-size:.8125rem;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:#ffffffe6;background:none;border:none;cursor:pointer;white-space:nowrap;transition:color var(--transition-fast)}.navbar--scrolled .navbar__link,.navbar--scrolled .navbar__link--btn{color:var(--color-body)}.navbar__link:hover,.navbar__link--btn:hover{color:#ffe2e0;opacity:1}.navbar--scrolled .navbar__link:hover,.navbar--scrolled .navbar__link--btn:hover{color:var(--color-h4, #394872)}.navbar__link--active{text-decoration:none}.navbar__link--active .navbar__label{text-decoration:underline;text-underline-offset:6px;text-decoration-thickness:2px}.navbar__chevron{display:inline-block;font-size:.625rem;text-decoration:none;transition:transform var(--transition-fast)}.navbar__item--has-dropdown:hover .navbar__chevron,.navbar__link--btn[aria-expanded=true] .navbar__chevron{transform:rotate(180deg)}.navbar__dropdown{position:absolute;top:100%;left:0;min-width:240px;background:#fff;list-style:none;margin:0;padding:8px 0;border-radius:0;box-shadow:0 8px 32px #0000001f;opacity:0;visibility:hidden;transform:translateY(6px);transition:opacity var(--transition-fast),visibility var(--transition-fast),transform var(--transition-fast);pointer-events:none}.navbar__dropdown--open,.navbar__item--has-dropdown:hover .navbar__dropdown{opacity:1;visibility:visible;transform:translateY(0);pointer-events:auto}.navbar__dropdown-link{display:block;padding:9px 20px;font-family:var(--font-display);font-size:.7813rem;font-weight:400;letter-spacing:.06em;text-transform:uppercase;color:var(--color-body);transition:background var(--transition-fast),color var(--transition-fast)}.navbar__dropdown-link:hover{background:var(--color-light-bg);color:var(--color-h4);opacity:1}.navbar__dropdown-item{position:relative}.navbar__dropdown-link--parent{display:flex;justify-content:space-between;align-items:center;cursor:default}.navbar__sub-chevron{font-size:.875rem;font-weight:700;margin-left:10px;color:var(--color-muted)}.navbar__sub-dropdown{position:absolute;top:-8px;left:100%;min-width:240px;background:#fff;list-style:none;margin:0;padding:8px 0;border-radius:0;box-shadow:0 8px 32px #0000001f;opacity:0;visibility:hidden;transform:translate(6px);transition:opacity var(--transition-fast),visibility var(--transition-fast),transform var(--transition-fast);pointer-events:none}.navbar__dropdown-item--has-sub:hover .navbar__sub-dropdown{opacity:1;visibility:visible;transform:translate(0);pointer-events:auto}.navbar__dropdown-item--has-sub:hover>.navbar__dropdown-link{background:var(--color-light-bg);color:var(--color-h4)}.mobile-menu__sub-link--parent{display:flex;align-items:center;justify-content:center;gap:8px;width:100%;background:none;border:none;cursor:pointer}.mobile-menu__sub-child{list-style:none;padding:0;margin:0;max-height:0;overflow:hidden;transition:max-height .4s ease}.mobile-menu__sub-child--open{max-height:400px}.mobile-menu__sub-child-link{display:block;padding:.5rem;font-family:var(--font-display);font-size:.75rem;font-weight:400;letter-spacing:.05em;text-transform:uppercase;color:#fff9;transition:color .2s ease}.mobile-menu__sub-child-link:hover{color:#fff}.navbar__hamburger{display:none;flex-direction:column;justify-content:center;align-items:center;width:40px;height:40px;background:none;border:none;cursor:pointer;position:relative;gap:3px;padding:4px}.navbar__hamburger span{display:block;width:22px;height:2px;background:#fff;border-radius:2px;transform-origin:center;transition:transform var(--transition-fast),opacity var(--transition-fast),width var(--transition-fast)}.navbar--scrolled .navbar__hamburger span{background:var(--color-body)}.navbar__hamburger--open span{background:#fff!important}.navbar__hamburger--open span:nth-child(1){transform:translateY(5px) rotate(45deg)}.navbar__hamburger--open span:nth-child(2){opacity:0}.navbar__hamburger--open span:nth-child(3){transform:translateY(-5px) rotate(-45deg)}.mobile-menu{position:fixed;top:0;right:0;bottom:0;left:0;width:100vw;height:100vh;background:#000000f2;z-index:999;opacity:0;visibility:hidden;transition:opacity .4s ease,visibility .4s ease;overflow-y:auto;display:flex;flex-direction:column;align-items:center;justify-content:center}.mobile-menu--open{opacity:1;visibility:visible}.mobile-menu__header{position:absolute;top:0;left:0;right:0;height:var(--navbar-height);display:flex;align-items:center;padding:0 1.5rem}.mobile-menu__inner{width:100%;padding:80px 0;text-align:center}.mobile-menu__list{list-style:none;padding:0;margin:0;display:flex;flex-direction:column;gap:1.5rem}.mobile-menu__item{border:none}.mobile-menu__link{display:flex;align-items:center;justify-content:center;gap:8px;width:100%;padding:.5rem;font-family:var(--font-display);font-size:1.125rem;font-weight:500;letter-spacing:.05em;text-transform:uppercase;color:#fff;background:none;border:none;cursor:pointer;transition:opacity .2s ease}.mobile-menu__link:hover{opacity:.7;background:none}.mobile-menu__chevron{font-size:.75rem}.mobile-menu__sub{list-style:none;padding:0;margin:0;max-height:0;overflow:hidden;transition:max-height .4s ease}.mobile-menu__sub--open{max-height:800px;padding-top:10px}.mobile-menu__sub-link{display:block;padding:.6rem;font-family:var(--font-display);font-size:.875rem;font-weight:400;letter-spacing:.05em;text-transform:uppercase;color:#fffc;transition:color .2s ease}.mobile-menu__sub-link:hover{color:#fff;opacity:1}.mobile-menu__backdrop{position:fixed;top:0;right:0;bottom:0;left:0;background:#00000073;z-index:998;-webkit-backdrop-filter:blur(2px);backdrop-filter:blur(2px);animation:fadeIn .3s ease}@keyframes fadeIn{0%{opacity:0}to{opacity:1}}@media (max-width: 992px){.navbar__menu{display:none}.navbar__hamburger{display:flex}}@media (max-width: 480px){.navbar__logo img{height:26px}}.footer{background:var(--color-footer-bg);border-top:1px solid var(--color-border);padding:2rem 0;text-align:center}.footer__inner{display:flex;flex-direction:column;align-items:center;gap:.6rem}.footer__links{display:flex;align-items:center;flex-wrap:wrap;justify-content:center;gap:.4rem;font-size:.8125rem;font-weight:600;text-transform:uppercase;letter-spacing:.06em;list-style:none;padding:0;margin:0}.footer__links a{color:var(--color-body);transition:color var(--transition-fast)}.footer__links a:hover{color:var(--color-h4);opacity:1}.footer__sep{color:var(--color-border);-webkit-user-select:none;user-select:none}.footer__copyright{font-size:.75rem;color:#000;text-transform:uppercase;letter-spacing:.06em}.footer__legal{font-size:.6875rem;color:#000;line-height:1.6;border-top:1px solid var(--color-border);padding-top:.6rem;width:100%;text-align:center}@media (max-width: 600px){.footer__links{font-size:.6875rem}.footer__legal{font-size:.625rem}}.hero{position:relative;width:100%;height:100vh;background-image:url(/assets/perspectives-banner.jpg);background-size:cover;background-position:center top;background-repeat:no-repeat;z-index:0;display:flex;align-items:center;justify-content:center}.hero__overlay{position:absolute;top:0;right:0;bottom:0;left:0;background:linear-gradient(to bottom,#0000004d,#00000073)}.hero__content{position:relative;z-index:1;display:flex;align-items:center;justify-content:center;width:100%;max-width:860px;padding:0 2rem;text-align:center}.hero__headline{font-family:Montserrat,sans-serif;font-size:clamp(22px,3.5vw,34px);font-weight:400;line-height:1.45;letter-spacing:.01em;text-transform:none;color:#fff;text-shadow:0 2px 8px rgba(0,0,0,.35);animation:heroFadeUp 1s ease both}@keyframes heroFadeUp{0%{opacity:0;transform:translateY(18px)}to{opacity:1;transform:translateY(0)}}.hero__spacer{display:none}@media (max-width: 600px){.hero__headline{font-size:clamp(18px,5vw,24px);line-height:1.5}}.page-banner{position:relative;width:100%;height:456px;background-size:cover;background-position:center;background-repeat:no-repeat;display:flex;align-items:center;justify-content:center;overflow:hidden}.page-banner__overlay{position:absolute;top:0;right:0;bottom:0;left:0;background:#17171e59}.page-banner__content{position:relative;z-index:1}.page-banner__title{font-family:var(--font-body);font-size:clamp(32px,8vw,76px);font-weight:700;letter-spacing:2px;text-transform:uppercase;color:#fff;line-height:1;text-align:center;text-shadow:0 2px 12px rgba(0,0,0,.4);animation:bannerFadeUp .6s ease both;margin:0}@keyframes bannerFadeUp{0%{opacity:0;transform:translateY(12px)}to{opacity:1;transform:translateY(0)}}@media (max-width: 1024px){.page-banner{height:380px}}@media (max-width: 768px){.page-banner{height:300px}}@media (max-width: 600px){.page-banner{height:220px}}.inner-page{min-height:100vh;display:flex;flex-direction:column}.inner-page__content{flex:1;padding:var(--space-xl) 0 var(--space-2xl)}.inner-page__content h2,.inner-page__content h3,.inner-page__content h4{text-transform:uppercase}.section-heading{font-size:var(--fs-h3);font-weight:700;color:var(--color-h4);text-align:center;margin-bottom:var(--space-lg);letter-spacing:1px;text-transform:uppercase}.section-divider{width:60px;height:3px;background:var(--color-h4);margin:0 auto var(--space-lg);border-radius:2px}.prose{max-width:820px;margin:0 auto;line-height:1.9;color:var(--color-body)}.prose h2{font-size:1.25rem;color:var(--color-h4);margin-top:var(--space-lg);margin-bottom:var(--space-sm);text-transform:none;letter-spacing:0}.prose h3{font-size:1rem;color:var(--color-body);margin-top:var(--space-md);margin-bottom:.5rem;text-transform:none;letter-spacing:0}.prose p{margin-bottom:1rem;font-size:.9375rem}.prose ul{padding-left:1.5rem;margin-bottom:1rem}.prose ul li{margin-bottom:.5rem;font-size:.9375rem;line-height:1.7}.card-grid{display:grid;gap:var(--space-lg)}.card-grid--2{grid-template-columns:repeat(2,1fr)}.card-grid--3{grid-template-columns:repeat(3,1fr)}@media (max-width: 900px){.card-grid--3{grid-template-columns:repeat(2,1fr)}}@media (max-width: 600px){.card-grid--2,.card-grid--3{grid-template-columns:1fr}}.info-box{background:var(--color-light-bg);border-left:4px solid var(--color-h4);padding:var(--space-md) var(--space-lg);border-radius:0 6px 6px 0;margin:var(--space-lg) 0}.info-box p{margin:0;font-size:.9375rem;line-height:1.7}.cta-btn{display:inline-block;padding:12px 32px;background:var(--color-h4);color:#fff;font-size:.8125rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;border-radius:3px;border:2px solid var(--color-h4);cursor:pointer;transition:background var(--transition-fast),color var(--transition-fast);text-decoration:none}.cta-btn:hover{background:transparent;color:var(--color-h4);opacity:1}.content-centered{max-width:800px;margin:0 auto;text-align:center}.content-centered p{font-size:.9375rem;line-height:1.9;margin-bottom:1.4rem}.about-guide{max-width:820px;margin:0 auto}.about-guide__heading{text-align:center;color:#394872;font-size:var(--fs-h3);font-weight:700;text-transform:none;letter-spacing:0;line-height:1.7;margin-bottom:1.8rem}.about-guide p{font-size:.9375rem;line-height:1.9;color:var(--color-body);margin-bottom:1.2rem}.about-guide__list{padding-left:1.5rem;list-style:disc;margin-bottom:1.5rem}.about-guide__list li{font-size:.9375rem;line-height:1.9;color:var(--color-body);margin-bottom:.8rem}.team-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;list-style:none;padding:0;margin:0}.team-card{overflow:hidden;position:relative}.team-card__link{display:block;text-decoration:none;color:inherit;cursor:pointer}.team-card__photo-wrap{position:relative;width:100%;aspect-ratio:1 / 1;overflow:hidden}.team-card__photo{width:100%;height:100%;object-fit:cover;object-position:top center;display:block}.team-card__overlay{position:absolute;top:0;right:0;bottom:0;left:0;background:#00000080;display:flex;flex-direction:column;align-items:center;justify-content:center;padding:1.5rem;opacity:0;transition:opacity .3s ease}.team-card__photo-wrap:hover .team-card__overlay,.team-card__photo-wrap:focus-within .team-card__overlay{opacity:1}.team-card__photo-wrap:focus{outline:3px solid #fff;outline-offset:-3px}.team-card__photo-wrap:focus:not(:focus-visible){outline:none}.team-card__name{font-family:Roboto,Open Sans,sans-serif;font-size:1.5rem;font-weight:300;color:#fff;line-height:1.3;text-align:center;margin:0 0 .6rem;text-transform:none;letter-spacing:0}.team-card__sep{width:50%;height:1px;background:#ffffff80;margin:0 auto .6rem}.team-card__role{font-family:Roboto,Open Sans,sans-serif;font-size:.875rem;font-weight:400;color:#fff;line-height:1.3;text-align:center;margin:0;text-transform:none;letter-spacing:0}@media (max-width: 900px){.team-grid{grid-template-columns:repeat(2,1fr)}}@media (max-width: 560px){.team-grid{grid-template-columns:1fr}.team-card__overlay{opacity:1;background:#00000073}}.member-detail-container{padding:40px 0;background-color:#fff}.member-detail-row{max-width:100%}.member-detail-content{color:var(--color-body, #333333);font-family:Open Sans,serif;line-height:1.6}.member-photo-wrapper{float:right;margin-left:30px;margin-bottom:20px;max-width:300px;width:100%}.member-detail-photo{width:100%;height:auto;display:block}.member-detail-name{color:#394872;font-family:Open Sans,sans-serif;font-size:2rem;font-weight:700;text-transform:uppercase;letter-spacing:1px;margin:0 0 15px;text-align:left;line-height:1.3}.member-detail-role-wrap{margin-bottom:25px;font-family:Open Sans,serif;font-size:1.125rem}.member-detail-role{font-weight:700;color:#333}.member-detail-bio{font-family:Open Sans,serif;font-size:1.125rem;text-align:justify;margin-bottom:25px;white-space:pre-line}.member-linkedin-container{margin-top:25px;clear:both}.member-linkedin-link{display:inline-flex;align-items:center;gap:8px;color:#394872;font-family:Open Sans,sans-serif;font-size:.9375rem;font-weight:600;text-decoration:none;transition:opacity .2s ease,transform .2s ease}.member-linkedin-link:hover{opacity:.8;transform:translateY(-1px)}.linkedin-icon{fill:#394872}.custom-pagination-line{padding:40px 0;border-top:1px solid #eef0f4;background-color:#fff;margin-top:40px;clear:both}.custom-pager{display:flex;align-items:center;justify-content:space-between;max-width:100%}.pager-item{display:flex;align-items:center}.pager-item.center{flex-grow:1;justify-content:center}.pager-item a{display:inline-flex;align-items:center;color:#000;font-family:Open Sans,sans-serif;font-size:.9375rem;font-weight:600;text-decoration:none;transition:color .2s ease,opacity .2s ease}.pager-item a:hover{color:#394872;opacity:.8}.pager-item.center a{color:#000}.pager-item.center a:hover{color:#394872}.chevron-svg{stroke:currentColor;stroke-width:2.25px}.pager-item.previous .chevron-svg{margin-right:8px}.pager-item.next .chevron-svg{margin-left:8px}.grid-svg{stroke:currentColor;stroke-width:2px}.pager-disabled{width:16px;height:16px;visibility:hidden}@media (max-width: 768px){.member-photo-wrapper{float:none;margin:0 auto 25px;max-width:100%;width:300px}.member-detail-name{text-align:center;font-size:1.625rem}.member-detail-role-wrap{text-align:center;font-size:1rem}.member-detail-bio{font-size:1rem;text-align:left}.member-linkedin-container{text-align:center}.custom-pagination-line{padding:30px 0}.pager-item a{font-size:.875rem}}.perspectives-sidebar{flex:1;min-width:250px;max-width:320px}.sidebar-widget{margin-bottom:2.5rem}.sidebar-widget__title{font-size:18px;font-weight:700;color:#333;text-transform:uppercase;letter-spacing:.1em;margin-bottom:1.5rem;padding-bottom:.8rem;border-bottom:3px solid #3c5678}.sidebar-widget ul{list-style:none;padding:0;margin:0}.sidebar-widget li{padding:.5rem 0;border-bottom:none}.sidebar-latest-item a{color:#666;font-size:15px;line-height:1.6;font-weight:400;display:block}.sidebar-widget li a{font-size:15px;transition:color .2s ease;text-decoration:underline}.sidebar-widget li a:hover{color:#000;opacity:1}.sidebar-search__wrapper{position:relative;border:1px solid #ccc;background-color:#fff}.sidebar-search__input{width:100%;padding:10px 44px 10px 14px;font-size:.875rem;border:none;color:#333;outline:none;background-color:transparent;box-sizing:border-box}.sidebar-search__input::placeholder{color:#999;opacity:1}.sidebar-search__input:focus{outline:none}.sidebar-search__button{position:absolute;top:50%;right:10px;transform:translateY(-50%);display:flex;align-items:center;justify-content:center;background:none;border:none;cursor:pointer;color:#111;padding:0;transition:color .2s ease}.sidebar-search__button:hover{color:#000}.sidebar-search__icon{width:18px;height:18px;display:block}@media (max-width: 900px){.perspectives-sidebar{max-width:100%;width:100%;margin-top:2rem}}.product-offering-container{max-width:1200px;margin:0 auto;padding:1rem 0;display:grid;grid-template-columns:1fr 280px;gap:3rem;align-items:start}.product-offering-main{min-width:0}.product-offering-table-wrapper{overflow-x:auto;margin-bottom:2rem}.product-offering-table{width:100%;border-collapse:collapse;text-align:left;font-size:.9375rem;background:#fff;min-width:650px;border:1px solid #111}.product-offering-table th{background:transparent;color:#111;font-weight:700;padding:1rem 1.2rem;border:1px solid #111;border-bottom:2px solid #111}.product-offering-table td{padding:1.2rem;border:1px solid #111;color:#333;line-height:1.6;vertical-align:middle}.product-offering-table tbody tr{background:transparent}.scheme-name{color:#333}.product-offering-presentation{font-size:.9375rem;line-height:1.8;color:var(--color-body);margin-top:1.5rem}.presentation-link{color:#333;text-decoration:underline}.presentation-link:hover{color:#000}@media (max-width: 900px){.product-offering-container{grid-template-columns:1fr;gap:2.5rem}}.schemes-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:var(--space-lg);margin-bottom:var(--space-2xl)}.scheme-card{border-radius:8px;overflow:hidden;box-shadow:0 4px 20px #00000014;border-top:4px solid var(--accent, var(--color-h4));transition:transform var(--transition-med),box-shadow var(--transition-med)}.scheme-card:hover{transform:translateY(-4px);box-shadow:0 12px 36px #39487224}.scheme-card__header{background:var(--accent, var(--color-h4));padding:1.4rem 1.6rem}.scheme-card__name{font-size:1.125rem;font-weight:700;color:#fff;text-transform:none;letter-spacing:0;margin-bottom:.3rem}.scheme-card__type{font-size:.6875rem;color:#fffc;text-transform:uppercase;letter-spacing:.1em;font-weight:600}.scheme-card__body{padding:1.4rem 1.6rem;display:flex;flex-direction:column;gap:.9rem}.scheme-card__row{display:flex;flex-direction:column;gap:.2rem}.scheme-card__label{font-size:.6875rem;font-weight:700;text-transform:uppercase;letter-spacing:.08em;color:var(--color-muted)}.scheme-card__value{font-size:.875rem;color:var(--color-body);line-height:1.5}.product-highlights{margin-bottom:var(--space-xl)}.highlights-list{list-style:none;padding:0;max-width:760px;margin:0 auto;display:flex;flex-direction:column;gap:.8rem}.highlights-list__item{display:flex;align-items:flex-start;gap:1rem;font-size:.9375rem;line-height:1.7;padding:.8rem 1.2rem;background:var(--color-light-bg);border-radius:5px}.highlights-list__check{color:var(--color-h4);font-weight:700;font-size:1rem;flex-shrink:0;margin-top:1px}.product-cta{text-align:center;padding:var(--space-xl) 0 var(--space-sm)}.product-cta p{font-size:.9375rem;color:var(--color-muted);margin-bottom:var(--space-md)}.perf-content{display:flex;flex-direction:column;gap:var(--space-xl)}.perf-notice{margin-bottom:0}.perf-action{text-align:center}.perf-desc{font-size:.9375rem;color:var(--color-body);margin-bottom:var(--space-md);line-height:1.8}.perf-disclaimer{background:#fff8e1;border-left:4px solid #f5a623;padding:1rem 1.4rem;border-radius:0 6px 6px 0;font-size:.8438rem;color:#555;line-height:1.7}.perf-login-cta{text-align:center;margin-top:var(--space-2xl);padding-top:var(--space-xl);border-top:1px solid var(--color-border)}.perf-login-cta p{font-size:.9375rem;color:var(--color-muted);margin-bottom:var(--space-md)}@media (max-width: 640px){.schemes-grid{grid-template-columns:1fr}}.perf-content{display:flex;flex-direction:column;align-items:center;gap:1.5rem;width:100%}.perf-table-wrapper{width:100%;max-width:980px;display:flex;flex-direction:column;gap:1.5rem}.perf-section{border:1px solid #c8b560;border-radius:6px;overflow:hidden}.perf-section-header{background:#f5e97a;padding:10px 14px;font-size:.875rem;font-weight:600;color:#5a4a00;margin:0}.perf-table{width:100%;border-collapse:collapse}.perf-th,.perf-td{padding:9px 14px;font-size:.8125rem;text-align:center}.perf-th{color:#5a4a00;font-weight:600;background:#f5e97a}.perf-th:not(.perf-th--first){border-left:1px solid #ddd0a0}.perf-th--first,.perf-td--first{text-align:left}.perf-td{border-top:1px solid #e5e5e5}.perf-td--first{font-weight:600}.perf-col--highlight{background:#fdf3c0}.perf-notes{padding:10px 14px;font-size:.75rem;color:#666;border-top:1px solid #e5e5e5;line-height:1.7;margin:0;list-style:none}.perf-content p{font-size:.9375rem;line-height:1.8;text-align:center}.perf-content p a{text-decoration:underline;text-underline-offset:3px}.perf-content p a:hover,.perf-content p a:focus-visible{text-decoration:underline}@media (max-width: 900px){.perf-table-wrapper{overflow-x:auto}.perf-table{min-width:760px}}.fee-page{width:100%;font-family:var(--font-body)}.fee-section+.fee-section{margin-top:2rem}.fee-page__title{text-align:left;font-weight:700;font-size:1.125rem;margin:0 0 1.5rem;letter-spacing:.5px;color:#1a1a1a}.fee-wrapper{border:1.5px solid #a0bfd0;border-radius:6px;overflow:hidden}.fee-table-scroll{overflow-x:auto}.fee-table{width:100%;border-collapse:collapse;min-width:760px}.fee-table--compact{min-width:560px}.fee-table__header-row{background:#b8d8e8}.fee-table__head-aum{padding:14px 16px;font-weight:700;font-size:1.0625rem;color:#1a2e3a;width:30%;border-right:1px solid #a0bfd0;text-align:left}.fee-table__head-cell{padding:14px 12px;font-weight:700;font-size:.9375rem;color:#1a2e3a;text-align:center;border-left:1px solid #a0bfd0;width:17.5%}.fee-table__category-cell{padding:12px 14px;font-weight:500;font-size:.8125rem;vertical-align:top;border-top:1px solid #c8dce6;border-right:1px solid #c8dce6;color:#222;width:15%;white-space:pre-line;text-align:left}.fee-table__label-cell{padding:12px 14px;font-size:.8125rem;font-weight:400;vertical-align:top;border-top:1px solid #c8dce6;border-right:1px solid #c8dce6;color:#222;width:15%;text-align:left}.fee-table__value-cell{padding:12px;font-size:.8125rem;text-align:right;vertical-align:middle;border-top:1px solid #c8dce6;border-left:1px solid #c8dce6;color:#222}.fee-table__spacer-row{background:#ddeef5}.fee-table__spacer-cell{padding:4px;background:#ddeef5}.fee-footnotes{margin:0;padding:12px 16px;list-style:none;background:#f0f8fc;border-top:1px solid #c8dce6;font-size:.7813rem;color:#333;line-height:1.8}.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}.onboard-content{padding:0;text-align:center}.onboard-content>p{margin-bottom:var(--space-xl);font-size:1rem;line-height:1.9}.onboard-steps{display:flex;flex-direction:column;gap:var(--space-md);margin-bottom:var(--space-2xl);max-width:760px;margin-left:auto;margin-right:auto}.onboard-step{display:flex;align-items:flex-start;gap:1.4rem;background:#fff;border:1px solid var(--color-border);border-radius:10px;padding:1.4rem 1.6rem;transition:box-shadow var(--transition-med),transform var(--transition-fast)}.onboard-step:hover{box-shadow:0 8px 28px #3948721a;transform:translate(4px)}.onboard-step__num{min-width:48px;height:48px;background:var(--color-h4);color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:.875rem;font-weight:700;letter-spacing:.03em;flex-shrink:0}.onboard-step__title{font-size:.9375rem;font-weight:700;color:var(--color-body);margin-bottom:.4rem;text-transform:none;letter-spacing:0}.onboard-step__desc{font-size:.875rem;line-height:1.7;color:#555;margin:0}.onboard-cta{text-align:center;padding-top:var(--space-xl);border-top:1px solid var(--color-border)}.onboard-cta p{font-size:.9375rem;color:var(--color-muted);margin-bottom:var(--space-md)}.faq-intro{margin-bottom:var(--space-xl)}.faq-intro p{font-size:1rem;line-height:1.9}.faq-tabs{display:flex;flex-wrap:wrap;gap:.6rem;justify-content:center;margin-bottom:var(--space-xl)}.faq-tab{padding:8px 22px;border-radius:24px;border:2px solid var(--color-border);background:#fff;font-size:.8125rem;font-weight:700;letter-spacing:.07em;text-transform:uppercase;color:var(--color-muted);cursor:pointer;transition:all var(--transition-fast)}.faq-tab:hover{border-color:var(--color-h4);color:var(--color-h4)}.faq-tab--active{background:var(--color-h4);border-color:var(--color-h4);color:#fff}.faq-list{max-width:820px;margin:0 auto;display:flex;flex-direction:column;gap:.6rem}.faq-item{background:#fff;border:1px solid var(--color-border);border-radius:8px;overflow:hidden;transition:box-shadow var(--transition-fast)}.faq-item--open{box-shadow:0 4px 20px #3948721f;border-color:var(--color-h4)}.faq-item__question{width:100%;display:flex;align-items:center;justify-content:space-between;padding:1.1rem 1.4rem;background:none;border:none;text-align:left;cursor:pointer;gap:1rem;font-family:var(--font-body);font-size:.9375rem;font-weight:600;color:var(--color-body);line-height:1.5;transition:color var(--transition-fast)}.faq-item--open .faq-item__question{color:var(--color-h4)}.faq-item__icon{flex-shrink:0;font-size:1.375rem;font-weight:300;color:var(--color-h4);line-height:1;margin-left:auto}.faq-item__answer{padding:0 1.4rem 1.2rem;border-top:1px solid var(--color-border)}.faq-item__answer p{font-size:.9063rem;line-height:1.8;color:#555;padding-top:1rem;margin:0}.faq-body{max-width:820px;margin:0 auto}.faq-section{margin-bottom:var(--space-xl)}.faq-section__heading{font-size:30px;font-weight:700;color:var(--color-body);margin-bottom:1rem;padding-bottom:.5rem;border-bottom:2px solid var(--color-border)}.faq-toggle{border:none;background:transparent;margin-bottom:1.5rem}.faq-toggle--open{border-color:transparent}.faq-toggle__title{width:100%;display:flex;align-items:flex-start;gap:.8rem;padding:.5rem 0;background:none;border:none;text-align:left;cursor:pointer}.faq-toggle__title h3{font-size:18px;font-weight:700;text-transform:uppercase;letter-spacing:.03em;color:#394872;line-height:1.5;margin:0}.faq-toggle--open .faq-toggle__title h3{color:#394872}.faq-toggle__icon{flex-shrink:0;width:12px;height:12px;position:relative;margin-top:7px}.faq-toggle__icon:before,.faq-toggle__icon:after{content:"";position:absolute;background:#aaa;border-radius:1px}.faq-toggle__icon:before{width:10px;height:2px;top:50%;left:50%;transform:translate(-50%,-50%)}.faq-toggle__icon:after{width:2px;height:10px;top:50%;left:50%;transform:translate(-50%,-50%);transition:transform .2s ease,opacity .2s ease}.faq-toggle--open .faq-toggle__icon:after{transform:translate(-50%,-50%) rotate(90deg);opacity:0}.faq-toggle__content{padding:.5rem 0 1rem 1.6rem;border-top:none}.faq-toggle__content p{font-size:15px;line-height:1.8;color:#555;margin-bottom:.8rem}.faq-toggle__content p:last-child{margin-bottom:0}.faq-toggle__content ul{padding-left:1.4rem;margin:.5rem 0 .8rem}.faq-toggle__content ul li{font-size:15px;line-height:1.8;color:#555;margin-bottom:.4rem}.faq-link-underline{text-decoration:underline;text-underline-offset:3px}.faq-ask p{font-size:.9375rem;line-height:1.8;color:var(--color-body)}.contact-page-container{max-width:820px;margin:0 auto;padding:2rem 0}.contact-page-title{font-size:24px;font-weight:700;color:#394872;margin-bottom:2.5rem;letter-spacing:.05em;text-transform:uppercase;text-align:center}.contact-table{width:100%;border-collapse:collapse;margin-bottom:3.5rem}.contact-table td{border:1px solid #eaeaea;padding:18px 24px;vertical-align:middle}.contact-person-cell,.contact-email-cell{width:50%}.contact-name{font-size:15px;font-weight:700;color:#333;margin-bottom:4px}.contact-role{font-size:13px;color:#666}.contact-email-cell a{font-size:15px;color:#333;text-decoration:underline}.contact-email-cell a:hover{text-decoration:underline}.contact-address-section{color:#394872;font-size:16px;margin-bottom:3.5rem;line-height:1.6}.contact-address-section p{margin-bottom:1.5rem}.contact-address-section p:last-child{margin-bottom:0}.contact-map-full{width:100%}.contact-map-full img{width:100%;height:auto;display:block;border-radius:4px}.ql-intro{margin-bottom:var(--space-2xl)}.ql-intro p{font-size:1rem;line-height:1.9}.ql-year-group{margin-bottom:var(--space-xl)}.ql-year-heading{font-size:.9375rem;font-weight:700;color:var(--color-h4);text-transform:uppercase;letter-spacing:.12em;margin-bottom:var(--space-md);padding-bottom:.5rem;border-bottom:2px solid var(--color-border)}.ql-list{display:flex;flex-direction:column;gap:.8rem}.ql-item{display:flex;align-items:center;gap:1.4rem;background:#fff;border:1px solid var(--color-border);border-radius:8px;padding:1.2rem 1.4rem;transition:box-shadow var(--transition-fast),border-color var(--transition-fast)}.ql-item:hover{box-shadow:0 4px 16px #3948721a;border-color:var(--color-h4)}.ql-item__quarter{min-width:44px;height:44px;background:var(--color-light-bg);border:2px solid var(--color-h4);border-radius:6px;display:flex;align-items:center;justify-content:center;font-size:.8125rem;font-weight:800;color:var(--color-h4);letter-spacing:.05em;flex-shrink:0}.ql-item__body{flex:1}.ql-item__title{font-size:.9063rem;font-weight:600;color:var(--color-body);text-transform:none;letter-spacing:0;margin-bottom:.2rem}.ql-item__date{font-size:.75rem;color:var(--color-muted);text-transform:uppercase;letter-spacing:.06em;margin:0}.ql-badge{font-size:.6875rem;font-weight:700;color:var(--color-h4);background:#39487214;padding:4px 10px;border-radius:12px;text-transform:uppercase;letter-spacing:.05em;white-space:nowrap}.ql-login-cta{margin-top:var(--space-xl);text-align:center}@media (max-width: 560px){.ql-item{flex-wrap:wrap}.ql-badge{width:100%;text-align:center}}.ql-iframe-wrap{width:100%;overflow:hidden}.ql-iframe{border:none;display:block}.ql-table-wrap{width:100%;overflow-x:auto;margin-top:20px;margin-bottom:40px}.ql-table{width:100%;border-collapse:collapse;background-color:#fff;border:1px solid #dee2e6}.ql-table th,.ql-table td{padding:12px 15px;vertical-align:middle;border:1px solid #dee2e6;text-align:left}.ql-table th{font-weight:700;color:#212529;background-color:#fff;font-size:.95rem}.ql-table tbody tr:hover{background-color:#0000000a}.ql-table td{font-size:.95rem;color:#333}.ql-table a.ql-link{color:#394872;text-decoration:underline;font-weight:500}.ql-table a.ql-link:hover{color:#1a2542}.legal-body,.prose{max-width:900px;margin:0 auto;line-height:1.8;color:#333;padding:2rem 0}.legal-body p,.prose p{margin-bottom:1.8rem;font-size:1.05rem}.legal-body h2,.prose h2{font-size:1.8rem;margin:2.5rem 0 1.2rem;color:#222;font-weight:700;border-bottom:1px solid #eee;padding-bottom:.5rem}.legal-body h3,.prose h3{font-size:1.4rem;margin:2rem 0 1rem;color:#333;font-weight:700}.legal-body ul,.prose ul{margin-bottom:2rem;padding-left:1.5rem}.legal-body li,.prose li{margin-bottom:.8rem}.legal-body a,.prose a{color:var(--primary-color);text-decoration:underline}.legal-body strong,.prose strong{font-weight:700;color:#000}@media (max-width: 768px){.legal-body,.prose{padding:1rem}}.regulatory-container{max-width:1200px;margin:0 auto;padding:1rem 0;display:grid;grid-template-columns:1fr 280px;gap:3rem;align-items:start}.regulatory-main{min-width:0}.regulatory-intro{font-size:16px;color:#333;margin-bottom:1.5rem}.regulatory-table{width:100%;border-collapse:collapse;margin-bottom:3rem;font-size:15px}.regulatory-table tr:nth-child(odd){background-color:#f6f6f6}.regulatory-table tr:nth-child(2n){background-color:#fff}.regulatory-table td{padding:14px 20px;color:#333;border:none}.regulatory-table td.label-col{width:40%}.regulatory-table td.value-col{font-weight:700;width:60%;color:#111}.grievance-title{font-size:15px;font-weight:700;color:#111;text-transform:uppercase;letter-spacing:.05em;margin-bottom:1.5rem}.grievance-box{display:grid;grid-template-columns:1fr 1fr 1.5fr;border:1px solid #111;margin-bottom:2rem}.grievance-box__col{padding:20px;border-right:1px solid #111;font-size:15px;line-height:1.6;color:#333}.grievance-box__col:last-child{border-right:none}.compliance-title{text-transform:uppercase;font-weight:600;color:#333;margin-bottom:4px}.compliance-name{color:#333}.grievance-email-link{color:#333;text-decoration:underline}.grievance-email-link:hover{color:#000}.grievance-address{margin-top:20px;color:#555}.grievance-footer{font-size:15px;line-height:1.6;color:#333}.grievance-footer-link{font-weight:700;color:#111;text-decoration:underline}.grievance-footer-link:hover{color:#000}@media (max-width: 900px){.regulatory-container{grid-template-columns:1fr;gap:2.5rem}.grievance-box{grid-template-columns:1fr}.grievance-box__col{border-right:none;border-bottom:1px solid #111}.grievance-box__col:last-child{border-bottom:none}}.perspectives-container{display:flex;gap:2.5rem;align-items:flex-start}.posts-column{flex:2;min-width:0}.post-item{padding-bottom:2.5rem;margin-bottom:2.5rem;border-bottom:1px solid #e5e5e5}.post-item:last-of-type{border-bottom:none}.post-item__title{font-family:Open Sans,sans-serif;font-size:24px;font-weight:700;line-height:1.35;margin-bottom:1rem;text-transform:uppercase;letter-spacing:0}.post-item__title a{color:#333;text-decoration:underline;transition:color .2s ease}.post-item__title a:hover{color:var(--color-h4)}.post-item__excerpt{color:#555;font-size:15px;line-height:1.8;margin-bottom:1.2rem}.post-item__excerpt h1,.post-item__excerpt h2,.post-item__excerpt h3,.post-item__excerpt h4,.post-item__excerpt h5,.post-item__excerpt h6{font-size:15px;font-weight:600;margin-bottom:.7rem;margin-top:.7rem}.post-item__excerpt p{margin-bottom:.7rem}.post-item__excerpt p:last-child{margin-bottom:0}.post-item__excerpt ul,.post-item__excerpt ol{padding-left:1.4rem;margin:.4rem 0 .7rem}.post-item__excerpt ul li,.post-item__excerpt ol li{margin-bottom:.5rem;line-height:1.7}.post-item__excerpt blockquote{border-left:3px solid #ccc;margin:0 0 .7rem;padding:.3rem 0 .3rem 1rem;color:#666;font-style:italic}.post-item__excerpt a{color:var(--color-h4);text-decoration:underline;transition:color .2s ease,opacity .2s ease}.post-item__excerpt a:hover{color:#000;opacity:1}.post-item__read-more{display:inline-block;padding:8px 20px;background:#5a697c;color:#fff;font-size:.75rem;font-weight:600;letter-spacing:.08em;text-transform:uppercase;text-decoration:none;border:none;cursor:pointer;transition:background .2s ease}.post-item__read-more:hover{background:#4a5f78;color:#fff}.post-item__read-more:focus,.post-item__read-more:focus-visible{outline:3px solid #000000;outline-offset:2px}.pagination{display:flex;gap:4px;margin-top:2rem;justify-content:center}.page-numbers{display:flex;align-items:center;justify-content:center;min-width:34px;height:34px;padding:0 6px;border:1px solid #ddd;color:#666;font-size:.8125rem;cursor:pointer;text-decoration:none;background:#fff;font-family:inherit}.page-numbers:hover{background:#f0f0f0}.page-numbers.current{background:var(--color-h4);color:#fff;border-color:var(--color-h4)}@media (max-width: 900px){.perspectives-container{flex-direction:column}}.sidebar-search__input{width:100%;padding:9px 14px;font-size:.875rem;font-family:inherit;border:1px solid #ddd;outline:none;box-sizing:border-box;transition:border-color .2s ease}.sidebar-search__input:focus{border-color:var(--color-h4)}.posts-no-results{color:#666;font-size:.875rem;margin-bottom:1.5rem}.post-banner{background-image:url(/assets/perspectives-banner.jpg);background-size:cover;background-position:center center;background-repeat:no-repeat;height:456px;position:relative;text-align:center;display:flex;align-items:center;justify-content:center;overflow:hidden}.post-banner:before{content:"";position:absolute;top:0;right:0;bottom:0;left:0;background:#0000006b}.post-banner .container{position:relative;z-index:1}.post-banner__date{color:#ffffffe6;font-size:.875rem;margin-bottom:1.1rem;letter-spacing:.05em;font-weight:500;text-align:center;font-family:var(--font-classic);line-height:1}.post-banner__title{font-family:var(--font-body);font-size:clamp(24px,4vw,36px);font-weight:700;color:#fff;line-height:1.15;margin:0 auto 1rem;text-transform:uppercase;letter-spacing:1px;max-width:980px;text-align:center;text-shadow:0 2px 12px rgba(0,0,0,.4)}.post-banner__meta{font-size:.875rem;color:#ffffffd9;text-align:center;font-family:var(--font-classic);line-height:1.2}.post-banner__meta a{color:#fff;text-decoration:none;font-weight:600;border-bottom:0;transition:opacity .2s}.post-banner__meta a:hover{opacity:.85}.post-detail-container{display:flex;gap:3.5rem;align-items:flex-start;margin-top:3rem}.post-content{flex:2;min-width:0;background:#fff}.post-article-body{font-size:1rem;line-height:1.8;color:#333}.post-article-body p{margin-bottom:1.6rem}.post-article-body h2,.post-article-body h3,.post-article-body h4{font-family:Open Sans,sans-serif;font-weight:700;color:#1a1a1a;margin:2.5rem 0 1.2rem;text-transform:uppercase;letter-spacing:.02em}.post-article-body h2{font-size:1.375rem}.post-article-body h3{font-size:1.1875rem}.post-article-body ul,.post-article-body ol,.post-content ul,.post-content ol{padding-left:1.6rem;margin-bottom:1.6rem}.post-article-body li,.post-content li{margin-bottom:.8rem}.post-article-body blockquote{margin:2.5rem 0;padding:1.5rem 2.5rem;background:#f8f9fb;border-left:4px solid var(--color-h4);font-style:italic;font-size:1.125rem;color:#444;line-height:1.6}.post-article-body a{color:var(--color-h4);text-decoration:underline;text-underline-offset:3px;transition:color .2s ease,opacity .2s ease}.post-article-body a:hover{color:#000;opacity:1}.post-article-body sup a,.post-article-body .fn a,.post-article-body b,.post-article-body strong{color:#000;font-weight:700}.post-article-body table,.post-article-body .wp-block-table table{width:100%;border-collapse:collapse;margin:2rem 0;font-size:.875rem;line-height:1.6}.post-article-body th,.post-article-body td,.post-article-body .wp-block-table th,.post-article-body .wp-block-table td{border:1px solid #d0d5e0;padding:.65rem .9rem;text-align:left;vertical-align:top;color:#333}.post-article-body thead th,.post-article-body .wp-block-table thead th{background:#f0f3f8;font-weight:700;color:#1a1a1a}.post-article-body tbody tr:nth-child(2n),.post-article-body .wp-block-table tbody tr:nth-child(2n){background:#f8f9fb}.post-footer{margin-top:4rem;padding-top:2rem;border-top:1px solid #eee}.back-link{color:#666;text-decoration:none;font-size:.875rem;font-weight:600;display:inline-flex;align-items:center;gap:8px;transition:color .2s ease}.back-link:hover{color:var(--color-h4)}.post-detail-container .perspectives-sidebar{flex:1;min-width:200px;max-width:260px}@media (max-width: 1024px){.post-banner{height:380px}}@media (max-width: 900px){.post-detail-container{flex-direction:column;gap:2rem}.post-banner{height:320px}.post-banner__date,.post-banner__meta{font-size:.8125rem}}@media (max-width: 600px){.post-banner{height:240px}}.ia-wrapper{max-width:820px;margin:0 auto}.ia-list{list-style:disc;padding-left:1.5rem;margin:0}.ia-list li{font-size:.9375rem;line-height:1.9;color:var(--color-body);margin-bottom:1rem}.ia-list li:last-child{margin-bottom:0}.ia-link{color:#00f;text-decoration:none}.ia-link:hover{text-decoration:underline}#root{min-height:100vh;display:flex;flex-direction:column}main:not(.hero-page){flex:1}.coming-soon{min-height:calc(100vh - var(--navbar-height));display:flex;align-items:center;padding:var(--space-2xl) 0}.coming-soon h2{margin-bottom:1rem;color:var(--color-h4)}.coming-soon p{color:var(--color-muted);font-size:1rem}