:root{--navy:#102a43;--teal:#0f766e;--gold:#d49313;--ink:#17212b;--muted:#5b6770;--soft:#f3f6f8;--line:#d8e0e7;--white:#fff;--danger:#b42318;--success:#15803d}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,Arial,Helvetica,sans-serif;color:var(--ink);background:#fff;line-height:1.5}a{color:inherit;text-decoration:none}button,input,select,textarea{font:inherit}.skip{position:absolute;left:-999px}.skip:focus{left:16px;top:16px;z-index:50;background:#fff;border:2px solid var(--teal);padding:10px}.shell{min-height:100vh}.topbar{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.94);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}.nav{max-width:1180px;margin:auto;display:flex;align-items:center;gap:26px;padding:14px 20px}.brand{display:flex;align-items:center;gap:10px;font-weight:800;color:var(--navy);font-size:1.25rem}.mark{width:34px;height:34px;border-radius:8px;background:linear-gradient(135deg,var(--navy),var(--teal));display:grid;place-items:center;color:#fff;font-weight:900}.links{display:flex;gap:20px;margin-left:auto;align-items:center}.links a{font-size:.94rem;color:#34424e}.links a.active{color:var(--teal);font-weight:700}.actions{display:flex;align-items:center;gap:10px}.btn{border:1px solid var(--teal);border-radius:6px;padding:10px 14px;font-weight:700;display:inline-flex;align-items:center;gap:8px;cursor:pointer;min-height:42px}.btn:disabled{cursor:not-allowed;opacity:.62}.btn.primary{background:var(--teal);color:#fff}.btn.secondary{background:#fff;color:var(--teal)}.btn.ghost{border-color:transparent;background:transparent;color:var(--navy)}.lang{display:flex;border:1px solid var(--line);border-radius:6px;overflow:hidden}.lang button{border:0;background:#fff;padding:8px 10px;cursor:pointer;color:var(--muted)}.lang button.active{background:var(--navy);color:#fff}.menuBtn{display:none}.hero{position:relative;min-height:620px;display:grid;align-items:center;overflow:hidden}.hero::before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(255,255,255,.98) 0%,rgba(255,255,255,.88) 42%,rgba(255,255,255,.36) 72%,rgba(255,255,255,.2) 100%),url('assets/banking-skyline-hero.png');background-size:cover;background-position:center right}.hero::after{content:"";position:absolute;left:0;right:0;bottom:0;height:110px;background:linear-gradient(180deg,rgba(255,255,255,0),#fff)}.inner{max-width:1180px;margin:auto;padding:0 20px;position:relative;width:100%}.heroText{max-width:650px;padding:96px 0 120px}.eyebrow{color:var(--teal);font-weight:800;text-transform:uppercase;font-size:.8rem;letter-spacing:0}.hero h1{font-size:4.6rem;line-height:.95;margin:12px 0 14px;color:var(--navy);letter-spacing:0}.hero h2{font-size:1.65rem;line-height:1.2;margin:0 0 18px;color:var(--ink);font-weight:750}.lead{font-size:1.1rem;color:#33414d;max-width:610px}.ctaRow{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}.proof{display:flex;gap:10px;flex-wrap:wrap;margin-top:26px}.chip{border:1px solid var(--line);background:rgba(255,255,255,.78);padding:8px 10px;border-radius:6px;font-size:.88rem;color:#364653}.band{padding:76px 0}.band.soft{background:var(--soft)}.sectionHead{max-width:760px;margin-bottom:30px}.sectionHead h2{font-size:2rem;color:var(--navy);margin:0 0 10px;letter-spacing:0}.sectionHead p{color:var(--muted);margin:0}.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.grid2{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}.card{border:1px solid var(--line);border-radius:8px;background:#fff;padding:22px}.card h3{margin:0 0 8px;color:var(--navy);font-size:1.12rem}.card p{margin:0;color:var(--muted)}.tagrow{display:flex;gap:8px;flex-wrap:wrap;margin-top:14px}.tag{background:#e7f4f2;color:#0b5f58;border-radius:999px;padding:5px 9px;font-size:.78rem;font-weight:700}.solutionCard{display:flex;flex-direction:column;gap:12px}.solutionCard .btn{align-self:flex-start;margin-top:auto}.split{display:grid;grid-template-columns:1.1fr .9fr;gap:34px;align-items:start}.panel{border:1px solid var(--line);border-radius:8px;background:#fff;padding:22px}.metricGrid{display:grid;grid-template-columns:repeat(2,1fr);gap:12px}.metric{background:var(--soft);border-radius:8px;padding:16px}.metric b{display:block;font-size:1.55rem;color:var(--navy)}.metric span{color:var(--muted);font-size:.88rem}.gatewayList{display:grid;gap:10px;margin-top:14px}.appRow{display:flex;justify-content:space-between;gap:12px;border:1px solid var(--line);border-radius:8px;padding:12px;align-items:center}.status{font-size:.78rem;font-weight:800;color:var(--success);background:#e9f7ee;border-radius:999px;padding:5px 8px}.footer{background:var(--navy);color:#dbe6ee;padding:42px 0}.footerGrid{display:grid;grid-template-columns:1.2fr repeat(3,1fr);gap:26px}.footer h3,.footer h4{color:#fff;margin:0 0 10px}.footer a,.footer p{display:block;color:#c8d5df;margin:7px 0}.pageHero{background:linear-gradient(180deg,#f7fafb,#fff);padding:72px 0 36px;border-bottom:1px solid var(--line)}.pageHero h1{font-size:3rem;color:var(--navy);margin:0 0 10px}.filters{display:flex;gap:10px;flex-wrap:wrap;margin-bottom:24px}.filter{border:1px solid var(--line);background:#fff;border-radius:999px;padding:9px 12px;cursor:pointer}.filter.active{background:var(--teal);color:#fff;border-color:var(--teal)}.detailLayout{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:32px}.rail{position:sticky;top:90px}.list{padding-left:20px}.list li{margin-bottom:8px}.insightMeta{color:var(--muted);font-size:.9rem}.formGrid{display:grid;grid-template-columns:1fr 1fr;gap:14px}.field{display:grid;gap:6px}.field.full{grid-column:1/-1}.field label{font-weight:750;color:var(--navy)}.field input,.field select,.field textarea{border:1px solid var(--line);border-radius:6px;padding:11px;background:#fff}.field textarea{min-height:118px;resize:vertical}.notice{background:#fff8e8;border:1px solid #f0d694;border-radius:8px;padding:13px;color:#5e4510;font-size:.92rem}.hidden{display:none!important}.toast{display:none;margin-top:14px;background:#e9f7ee;border:1px solid #a7d8b8;color:#0f5132;border-radius:8px;padding:12px}.toast.show{display:block}.toast.error{background:#fff1f0;border-color:#ffb4ad;color:var(--danger)}@media (min-width:761px) and (max-width:980px){.nav{gap:14px}.links{gap:12px}.links a{font-size:.86rem}.brand{font-size:1.08rem}.actions{gap:7px}.btn{padding:9px 11px}.lang button{padding:8px 9px}}@media (max-width:760px){.menuBtn{display:inline-flex}.links{display:none;position:absolute;left:0;right:0;top:66px;background:#fff;border-bottom:1px solid var(--line);padding:16px 20px;flex-direction:column;align-items:flex-start}.links.open{display:flex}.nav{gap:12px}.actions{margin-left:auto}.hero{min-height:auto}.hero h1{font-size:3.4rem}.grid3,.grid2,.split,.detailLayout,.footerGrid{grid-template-columns:1fr}.rail{position:static}.formGrid{grid-template-columns:1fr}.heroText{padding:78px 0 94px}}@media (min-width:641px) and (max-width:760px){.nav{flex-wrap:wrap;gap:10px 14px}.menuBtn{display:none}.links{display:flex;position:static;order:2;flex-basis:100%;margin-left:44px;padding:0 0 2px;border:0;background:transparent;flex-direction:row;gap:16px;align-items:center}.links.open{display:flex}.links a{font-size:.9rem}.hero h1{font-size:3.4rem}.grid3,.grid2,.split,.detailLayout,.footerGrid{grid-template-columns:1fr}.rail{position:static}.formGrid{grid-template-columns:1fr}.hero{min-height:auto}.heroText{padding:78px 0 94px}}@media (max-width:540px){.actions .btn.secondary{display:none}.hero h1{font-size:2.75rem}.hero h2{font-size:1.25rem}.band{padding:54px 0}.pageHero h1{font-size:2.2rem}.metricGrid{grid-template-columns:1fr}.appRow{align-items:flex-start;flex-direction:column}.nav{padding:12px}.brand{font-size:1.05rem}}

/* Company-profile homepage redesign */
.profileHero::before{background:linear-gradient(90deg,rgba(255,255,255,.99) 0%,rgba(255,255,255,.94) 42%,rgba(255,255,255,.55) 70%,rgba(255,255,255,.28) 100%),url('assets/banking-skyline-hero.png');background-size:cover;background-position:center right}.profileHeroText{max-width:720px}.profileHero h2{max-width:720px;font-size:1.9rem}.profileHero .lead{max-width:680px;font-size:1.13rem}.credentialStrip{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1px;margin-top:30px;max-width:760px;border:1px solid var(--line);background:var(--line);border-radius:8px;overflow:hidden}.credentialStrip span{background:rgba(255,255,255,.86);padding:14px 16px;color:var(--navy);font-weight:750;font-size:.9rem}.profileIntro{padding-top:70px}.profileNarrative{display:grid;grid-template-columns:.88fr 1.12fr;gap:42px;align-items:start}.credGrid{display:grid;gap:14px}.credItem{border-left:3px solid var(--teal);padding:4px 0 4px 18px}.credItem h3{margin:0 0 6px;color:var(--navy);font-size:1.08rem}.credItem p{margin:0;color:var(--muted)}.portfolioBand{border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.portfolioGrid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.portfolioItem{background:#fff;border:1px solid var(--line);border-radius:8px;padding:24px;min-height:225px;display:flex;flex-direction:column}.portfolioRule{width:46px;height:3px;background:var(--gold);margin-bottom:18px}.portfolioItem h3{margin:0 0 12px;color:var(--navy);font-size:1.24rem}.portfolioItem p{margin:0;color:var(--muted)}.portfolioCta{margin-top:24px}.companySplit{grid-template-columns:1.15fr .85fr}.serviceRows{display:grid;gap:14px}.serviceRow{display:grid;grid-template-columns:54px 1fr;gap:18px;border-top:1px solid var(--line);padding-top:18px}.serviceRow span{color:var(--gold);font-weight:900;font-size:1.05rem}.serviceRow h3{margin:0 0 6px;color:var(--navy)}.serviceRow p{margin:0;color:var(--muted)}.companyProof{background:var(--navy);color:#fff;border-radius:8px;padding:26px}.companyProof h3{margin:0 0 18px;color:#fff}.companyProof dl{display:grid;grid-template-columns:repeat(2,1fr);gap:14px;margin:0}.companyProof div{border:1px solid rgba(255,255,255,.18);border-radius:8px;padding:16px}.companyProof dt{font-size:1.7rem;font-weight:900;color:#fff}.companyProof dd{margin:3px 0 0;color:#d5e2eb;font-size:.9rem}.governanceBand{background:#fff}.governanceLayout{display:grid;grid-template-columns:.9fr 1.1fr;gap:36px;align-items:start}.governanceGrid{display:grid;grid-template-columns:repeat(2,1fr);gap:14px}.governanceGrid article{border:1px solid var(--line);border-radius:8px;padding:18px;background:#fff}.governanceGrid h3{margin:0 0 6px;color:var(--navy)}.governanceGrid p{margin:0;color:var(--muted)}.finalCta{display:flex;align-items:center;justify-content:space-between;gap:24px}.finalCta h2{margin:0 0 8px;color:var(--navy);font-size:2rem}.finalCta p{margin:0;color:var(--muted);max-width:720px}.gatewayNote{border-top:1px solid var(--line);background:#fff;padding:16px 0;color:var(--muted);font-size:.92rem}.gatewayNote .inner{display:flex;align-items:center;justify-content:space-between;gap:16px}.gatewayNote a{color:var(--teal);font-weight:800}@media (max-width:900px){.profileNarrative,.portfolioGrid,.companySplit,.governanceLayout,.governanceGrid{grid-template-columns:1fr}.credentialStrip{grid-template-columns:1fr}.portfolioItem{min-height:auto}.finalCta,.gatewayNote .inner{align-items:flex-start;flex-direction:column}.companyProof dl{grid-template-columns:repeat(2,1fr)}}@media (max-width:540px){.profileHero h2{font-size:1.35rem}.companyProof dl{grid-template-columns:1fr}.serviceRow{grid-template-columns:42px 1fr}}
@media (min-width:641px) and (max-width:900px){.credentialStrip{grid-template-columns:repeat(3,minmax(0,1fr))}.credentialStrip span{padding:12px 13px;font-size:.84rem}.profileHero .lead{max-width:650px}.profileHero h2{font-size:1.72rem}}

/* Hero layout balance refinement */
.profileHeroGrid{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(310px,.58fr);gap:34px;align-items:center;width:100%}.profileHeroGrid .heroText{width:100%;max-width:none}.heroProfilePanel{position:relative;background:rgba(255,255,255,.88);border:1px solid var(--line);border-radius:8px;padding:24px;box-shadow:0 18px 45px rgba(16,42,67,.08);backdrop-filter:blur(10px)}.heroProfilePanel::before{content:"";position:absolute;left:24px;right:24px;top:0;height:3px;background:var(--gold)}.panelKicker{color:var(--teal);font-weight:900;font-size:.78rem;text-transform:uppercase;margin-bottom:10px}.heroProfilePanel h3{margin:0 0 18px;color:var(--navy);font-size:1.18rem;line-height:1.25}.snapshotRows{display:grid;gap:14px}.snapshotRows div{border-top:1px solid var(--line);padding-top:13px}.snapshotRows span{color:var(--gold);font-weight:900;font-size:.82rem;margin-right:8px}.snapshotRows strong{color:var(--navy)}.snapshotRows p{margin:5px 0 0;color:var(--muted);font-size:.9rem}@media (max-width:900px){.profileHeroGrid{grid-template-columns:1fr;gap:18px}.heroProfilePanel{display:grid;grid-template-columns:1fr;padding:20px}.snapshotRows{grid-template-columns:repeat(3,1fr);gap:12px}.snapshotRows div{border-top:1px solid var(--line)}}@media (max-width:640px){.snapshotRows{grid-template-columns:1fr}.heroProfilePanel{padding:18px}}
.heroProfilePanel{background:rgba(255,255,255,.96)}.snapshotRows p{color:#4d5b66}
@media (min-width:641px) and (max-width:900px){.profileHeroGrid{grid-template-columns:minmax(0,1fr) 282px;gap:20px}.profileHeroText{padding:68px 0 74px}.profileHero h1{font-size:3.7rem}.profileHero h2{font-size:1.42rem}.profileHero .lead{font-size:1rem}.credentialStrip{grid-template-columns:1fr;margin-top:22px}.credentialStrip span{padding:10px 12px}.heroProfilePanel{padding:18px}.heroProfilePanel h3{font-size:1rem}.snapshotRows{grid-template-columns:1fr}.snapshotRows p{font-size:.83rem}}

/* Regulatory professional article section */
.regulatoryArticles{background:#fff;border-top:1px solid var(--line)}.articleGrid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.regArticle{border:1px solid var(--line);border-radius:8px;background:#fff;padding:24px;display:flex;flex-direction:column;min-height:360px}.articleMeta{font-size:.78rem;font-weight:900;color:var(--teal);text-transform:uppercase;margin-bottom:14px}.regArticle h3{font-size:1.18rem;line-height:1.3;margin:0 0 12px;color:var(--navy)}.regArticle p{color:var(--muted);margin:0 0 18px}.regArticle a{margin-top:auto;color:var(--teal);font-weight:850}.regSourceNote{margin:18px 0 0;color:var(--muted);font-size:.88rem;border-left:3px solid var(--gold);padding-left:12px}@media (max-width:900px){.articleGrid{grid-template-columns:1fr}.regArticle{min-height:auto}}

/* Benchmark-inspired engagement layer */
.intelligenceBand{background:linear-gradient(180deg,#fff,#f7fafb);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.intelligenceLayout{display:grid;grid-template-columns:1.05fr .72fr;gap:26px;align-items:stretch}.executiveMemo{border:1px solid var(--line);border-radius:8px;background:#fff;padding:28px}.executiveMemo h2{margin:0 0 12px;color:var(--navy);font-size:1.75rem;line-height:1.15}.executiveMemo p{color:var(--muted);margin:0 0 18px}.memoList{margin:0;padding-left:20px;color:var(--ink)}.memoList li{margin:8px 0}.priorityLens{background:var(--navy);color:#fff;border-radius:8px;padding:24px}.priorityLens h3{margin:0 0 16px;color:#fff}.lensButtons{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:16px}.lensBtn{border:1px solid rgba(255,255,255,.22);background:transparent;color:#dbe6ee;border-radius:999px;padding:8px 11px;font-weight:800;cursor:pointer}.lensBtn.active{background:#fff;color:var(--navy)}.lensResult{border-top:1px solid rgba(255,255,255,.18);padding-top:18px}.lensResult h4{margin:0 0 8px;color:#fff;font-size:1.05rem}.lensResult p{margin:0 0 14px;color:#d5e2eb}.lensResult a{color:#fff;font-weight:900;text-decoration:underline;text-underline-offset:4px}@media (max-width:900px){.intelligenceLayout{grid-template-columns:1fr}.executiveMemo h2{font-size:1.45rem}}