/* VRTS prototype stylesheet rebuilt for homepage redesign + existing subpages */
:root {
  --vrts-sea: #00357A;
  --vrts-navy: #061B3B;
  --vrts-white: #FFFFFF;
  --vrts-mist: #EEF5FF;
  --vrts-cyan: #35C8FF;
  --vrts-text: #3E4A5F;
  --vrts-line: rgba(0, 53, 122, 0.08);
  --vrts-shadow: 0 24px 70px rgba(0, 31, 73, 0.12);
  --vrts-dark-shadow: 0 40px 90px rgba(0, 20, 60, 0.35);
}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:'Nunito Sans',system-ui,-apple-system,Segoe UI,sans-serif;color:var(--vrts-text);background:var(--vrts-white);overflow-x:hidden}a{color:inherit}.container{width:min(1160px,calc(100% - 48px));margin:0 auto}.nav{position:fixed;z-index:50;top:18px;left:50%;transform:translateX(-50%);width:min(1160px,calc(100% - 32px));display:flex;align-items:center;justify-content:space-between;gap:18px;padding:10px 12px 10px 18px;border:1px solid rgba(255,255,255,.20);background:rgba(0,53,122,.76);backdrop-filter:blur(22px);border-radius:999px;box-shadow:0 20px 70px rgba(0,16,45,.25)}.brand-mark{display:grid;place-items:center;width:112px;height:44px;border-radius:999px;overflow:hidden;background:var(--vrts-sea);box-shadow:inset 0 0 0 1px rgba(255,255,255,.18)}.brand-mark img{width:86px;height:auto;display:block}.nav-links{display:flex;align-items:center;gap:18px}.nav-links a{color:rgba(255,255,255,.82);font-size:13px;font-weight:600;text-decoration:none}.nav-links a:hover{color:#fff}.nav-cta,.button{text-decoration:none;border:0;cursor:pointer;font-weight:700}.nav-cta{background:#fff;color:var(--vrts-sea);border-radius:999px;padding:13px 18px;font-size:13px}.menu-button{display:none;background:transparent;color:#fff;border:1px solid rgba(255,255,255,.24);border-radius:999px;padding:10px 14px;font-weight:700}h1,h2,h3,p{margin-top:0}h1,h2,h3{color:#12213a;letter-spacing:-.03em}p{line-height:1.72}.vrts-eyebrow,.eyebrow{margin:0 0 16px;color:var(--vrts-cyan);text-transform:uppercase;letter-spacing:.13em;font-size:12px;font-weight:700}.vrts-eyebrow.dark,.eyebrow.dark{color:var(--vrts-sea)}.vrts-section{padding:96px 0}.white-section{background:#fff}.mist-section{background:var(--vrts-mist)}.dark-section{background:linear-gradient(135deg,var(--vrts-sea) 0%,var(--vrts-navy) 100%);color:#fff;position:relative;overflow:hidden}.dark-section:before{content:"";position:absolute;inset:0;background:radial-gradient(circle at 82% 18%,rgba(53,200,255,.18),transparent 32%)}.dark-section .container{position:relative}.dark-section h2,.dark-section h3{color:#fff}.dark-section p{color:rgba(255,255,255,.72)}.section-heading.centered{text-align:center;max-width:900px;margin:0 auto 48px}.section-heading h2,.split-intro h2,.feature-copy h2{font-size:clamp(34px,4vw,58px);line-height:1.06;font-weight:800}.section-heading p{font-size:18px;color:var(--vrts-text)}.body-copy p,.feature-copy p{font-size:18px;color:var(--vrts-text)}
/* Homepage split hero */
.vrts-hero-split{position:relative;min-height:100vh;padding:138px 0 88px;display:flex;align-items:center;overflow:hidden;color:#fff;background:linear-gradient(135deg,#00357A 0%,#061B3B 100%)}.hero-grid-bg{position:absolute;inset:0;background:linear-gradient(rgba(255,255,255,.045) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.045) 1px,transparent 1px);background-size:76px 76px;mask-image:radial-gradient(circle at 64% 44%,black 0%,transparent 75%)}.hero-orbit{position:absolute;border:1px solid rgba(53,200,255,.18);border-radius:50%;filter:drop-shadow(0 0 28px rgba(53,200,255,.16))}.hero-orbit-one{right:-120px;top:90px;width:660px;height:660px}.hero-orbit-two{right:210px;bottom:-180px;width:480px;height:480px}.vrts-hero-grid{position:relative;z-index:2;display:grid;grid-template-columns:0.96fr 1.04fr;gap:64px;align-items:center}.vrts-hero-copy h1{font-size:clamp(44px,5.1vw,72px);line-height:1.04;color:#fff;font-weight:900;margin-bottom:24px;max-width:720px}.vrts-hero-lede{font-size:19px;line-height:1.75;color:rgba(255,255,255,.84);max-width:690px}.vrts-hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin:34px 0 28px}.button{display:inline-flex;align-items:center;justify-content:center;border-radius:999px;padding:14px 26px;font-size:15px;transition:transform .2s ease,background .2s ease,border-color .2s ease}.button:hover{transform:translateY(-2px)}.vrts-primary{background:#fff;color:var(--vrts-sea);box-shadow:0 18px 46px rgba(255,255,255,.12)}.vrts-primary:hover{background:var(--vrts-mist)}.vrts-secondary{border:1px solid rgba(255,255,255,.35);color:#fff;background:transparent}.vrts-secondary:hover{background:rgba(255,255,255,.08)}.vrts-trust-points{display:flex;flex-wrap:wrap;gap:10px;max-width:720px}.vrts-trust-points span{border:1px solid rgba(255,255,255,.16);background:rgba(255,255,255,.08);border-radius:999px;padding:10px 13px;color:rgba(255,255,255,.86);font-size:13px;font-weight:700}.vrts-hero-disclaimer{margin-top:22px;max-width:720px;color:rgba(255,255,255,.60);font-size:13px;line-height:1.55}.vrts-hero-visual{position:relative;min-height:560px;perspective:1000px;transform:perspective(1000px) rotateY(-6deg) rotateX(3deg);filter:drop-shadow(0 40px 90px rgba(0,20,60,.35))}.visual-map{position:absolute;inset:38px 10px;border-radius:38px;background:radial-gradient(circle at 54% 46%,rgba(53,200,255,.16),transparent 28%),linear-gradient(rgba(255,255,255,.055) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.055) 1px,transparent 1px);background-size:auto,58px 58px,58px 58px;border:1px solid rgba(255,255,255,.12);box-shadow:inset 0 0 90px rgba(53,200,255,.05)}.glass-card{position:absolute;border:1px solid rgba(255,255,255,.18);background:linear-gradient(180deg,rgba(255,255,255,.16),rgba(255,255,255,.075));backdrop-filter:blur(18px);border-radius:26px;box-shadow:0 24px 80px rgba(0,18,54,.28);color:#fff}.central-card{left:50%;top:50%;transform:translate(-50%,-50%);width:310px;padding:30px;text-align:center}.central-card img{width:150px;border-radius:999px;background:var(--vrts-sea);padding:12px 22px;margin:18px auto}.central-card p{margin:0;color:rgba(255,255,255,.76);font-weight:700}.mini-label{text-transform:uppercase;color:var(--vrts-cyan);letter-spacing:.14em;font-size:11px;font-weight:800}.floating-card{width:210px;padding:22px}.floating-card span{display:block;width:36px;height:36px;border-radius:13px;background:rgba(53,200,255,.14);box-shadow:0 0 0 1px rgba(53,200,255,.28),0 0 30px rgba(53,200,255,.28);margin-bottom:14px}.floating-card b{display:block;font-size:20px;letter-spacing:-.02em}.floating-card small,.fx-card small{display:block;margin-top:8px;color:rgba(255,255,255,.68);font-weight:700}.card-gift{left:8px;top:72px}.card-access{right:4px;top:122px}.card-compliance{left:48px;bottom:50px}.fx-card{right:20px;bottom:80px;width:230px;padding:22px}.fx-line{display:flex;gap:8px;margin-top:16px;align-items:end}.fx-line i{display:block;flex:1;height:42px;border-radius:9px 9px 0 0;background:linear-gradient(180deg,var(--vrts-cyan),rgba(53,200,255,.18))}.fx-line i:nth-child(2){height:64px}.fx-line i:nth-child(3){height:52px}.connection-lines{position:absolute;inset:0;width:100%;height:100%;pointer-events:none}.connection-lines path{fill:none;stroke:var(--vrts-cyan);stroke-width:2;stroke-linecap:round;stroke-dasharray:8 10;opacity:.58;filter:drop-shadow(0 0 8px rgba(53,200,255,.65))}
.split-intro,.clean-split{display:grid;grid-template-columns:.95fr 1.05fr;gap:72px;align-items:start}.vrts-card-row{display:grid;gap:18px}.vrts-card-row.three{grid-template-columns:repeat(3,1fr)}.vrts-card-row.two{grid-template-columns:repeat(2,1fr)}.vrts-card-row.four{grid-template-columns:repeat(4,1fr)}.vrts-card{background:#fff;border-radius:24px;box-shadow:var(--vrts-shadow);border:1px solid var(--vrts-line);padding:30px}.vrts-card svg{width:42px;height:42px;fill:none;stroke:var(--vrts-sea);stroke-width:1.7;stroke-linecap:round;stroke-linejoin:round;margin-bottom:22px;filter:drop-shadow(0 0 12px rgba(53,200,255,.16))}.vrts-card h3{font-size:21px;font-weight:800;margin-bottom:10px}.vrts-card p{color:var(--vrts-text);margin-bottom:0}.card-num{display:inline-grid;place-items:center;width:44px;height:44px;border-radius:15px;background:var(--vrts-mist);color:var(--vrts-sea);font-weight:900;margin-bottom:20px}.vrts-about-grid{display:grid;grid-template-columns:.95fr 1.05fr;gap:76px;align-items:center}.institution-panel{min-height:470px;border-radius:32px;padding:30px;position:relative;overflow:hidden;background:linear-gradient(135deg,var(--vrts-sea),var(--vrts-navy));box-shadow:var(--vrts-shadow);border:1px solid rgba(255,255,255,.22)}.institution-panel:before{content:"";position:absolute;inset:0;background:radial-gradient(circle at 76% 20%,rgba(53,200,255,.24),transparent 30%),linear-gradient(rgba(255,255,255,.05) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.05) 1px,transparent 1px);background-size:auto,52px 52px,52px 52px}.panel-top,.panel-bottom{position:relative;z-index:1}.panel-top{display:flex;align-items:center;gap:10px;color:rgba(255,255,255,.72);font-weight:800;text-transform:uppercase;letter-spacing:.12em}.panel-top span{width:12px;height:12px;border-radius:50%;background:var(--vrts-cyan);box-shadow:0 0 24px var(--vrts-cyan)}.building-lines{position:absolute;left:50%;top:50%;transform:translate(-50%,-45%);display:flex;gap:18px;align-items:end}.building-lines i{display:block;width:44px;border-radius:16px 16px 0 0;background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.18)}.building-lines i:nth-child(1){height:150px}.building-lines i:nth-child(2){height:230px}.building-lines i:nth-child(3){height:300px}.building-lines i:nth-child(4){height:205px}.building-lines i:nth-child(5){height:120px}.panel-bottom{position:absolute;left:30px;right:30px;bottom:30px;padding:22px;border-radius:22px;background:rgba(255,255,255,.1);backdrop-filter:blur(16px);border:1px solid rgba(255,255,255,.16);color:#fff}.panel-bottom b{display:block;font-size:26px}.panel-bottom em{display:block;margin-top:8px;color:rgba(255,255,255,.72);font-style:normal}.vrts-pills span{background:#fff;border:1px solid var(--vrts-line);color:var(--vrts-sea);box-shadow:0 12px 36px rgba(0,31,73,.08)}.icon-row{display:flex;flex-wrap:wrap;gap:10px;margin-top:24px}.icon-row span{border-radius:999px;padding:11px 14px;font-size:13px;font-weight:800}.vrts-proof-grid{display:grid;grid-template-columns:.82fr 1.18fr;gap:64px;align-items:center}.glass-trust{border:1px solid rgba(255,255,255,.14);background:rgba(255,255,255,.08);border-radius:24px;padding:26px;backdrop-filter:blur(14px)}.glass-trust h3{font-size:20px}.compact{gap:16px}.vrts-timeline{display:grid;grid-template-columns:repeat(5,1fr);gap:14px}.vrts-timeline article{position:relative;background:#fff;border:1px solid var(--vrts-line);border-radius:24px;padding:24px;box-shadow:var(--vrts-shadow)}.vrts-timeline b{display:grid;place-items:center;width:42px;height:42px;border-radius:15px;background:var(--vrts-sea);color:#fff;margin-bottom:18px}.section-disclaimer{margin-top:24px;text-align:center;font-size:14px;color:#66758a}.vrts-card.small{padding:24px}.insights-news-grid{display:grid;grid-template-columns:1fr .88fr;gap:58px;align-items:start}.clean-insights{margin-top:26px}.insight-list{display:grid;gap:14px}.insight-list a{display:block;text-decoration:none;color:#12213a;background:#fff;border:1px solid var(--vrts-line);border-radius:22px;padding:22px;box-shadow:0 14px 42px rgba(0,31,73,.06);font-weight:800}.insight-list span{display:block;color:var(--vrts-sea);font-size:12px;text-transform:uppercase;letter-spacing:.12em;margin-bottom:8px;font-weight:800}.refined-newsletter{background:#fff}.newsletter-card{border:1px solid var(--vrts-line);border-radius:28px;padding:34px;box-shadow:var(--vrts-shadow)}.inline-form{display:grid;gap:12px;margin-top:24px}.inline-form input{border:1px solid rgba(0,53,122,.12);border-radius:999px;padding:15px 18px;font:inherit;color:var(--vrts-text)}.dark-text{color:var(--vrts-sea)!important}.final-cta{background:linear-gradient(135deg,var(--vrts-sea),var(--vrts-navy));color:#fff}.clean-cta{display:grid;grid-template-columns:1fr auto;gap:36px;align-items:center;border:1px solid rgba(255,255,255,.12);border-radius:32px;padding:38px;background:rgba(255,255,255,.08);backdrop-filter:blur(14px)}.clean-cta h2{color:#fff}.clean-cta p{color:rgba(255,255,255,.72)}.footer,.vrts-footer{background:var(--vrts-navy);color:#fff;padding:56px 0}.footer-grid{display:grid;grid-template-columns:1.3fr .7fr .9fr;gap:56px}.footer img{width:108px;border-radius:999px;background:var(--vrts-sea);padding:8px 14px}.footer p{max-width:560px;line-height:1.7;color:rgba(255,255,255,.56)}.footer h4{margin:0 0 16px;color:#fff}.footer a{display:block;color:rgba(255,255,255,.72);text-decoration:none;margin:10px 0}.footer-disclaimer{border-top:1px solid rgba(255,255,255,.08);margin-top:34px;padding-top:24px}.footer-disclaimer p{max-width:none;font-size:13px;color:rgba(255,255,255,.56)}.reveal{opacity:1;transform:none;transition:opacity .5s ease,transform .5s ease}.reveal.in,.vrts-hero-copy.reveal,.vrts-hero-visual.reveal{opacity:1;transform:none}.vrts-hero-visual.reveal{transform:perspective(1000px) rotateY(-6deg) rotateX(3deg)}
/* Subpage compatibility */
.subhero{position:relative;min-height:560px;display:flex;align-items:end;color:#fff;padding:160px 0 84px;background-size:cover;background-position:center}.subhero:before{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(0,23,58,.45),rgba(0,27,64,.88))}.subhero .container{position:relative;z-index:1}.subhero h1{max-width:850px;color:#fff;font-size:clamp(42px,5.7vw,80px)}.subhero p:not(.eyebrow){max-width:720px;font-size:20px;line-height:1.7;color:rgba(255,255,255,.86)}.trust-hero{background-image:url('https://images.unsplash.com/photo-1450101499163-c8848c66ca85?auto=format&fit=crop&w=2200&q=85')}.about-hero{background-image:url('https://images.unsplash.com/photo-1486406146926-c627a92ad1ab?auto=format&fit=crop&w=2200&q=85')}.insights-hero{background-image:url('https://images.unsplash.com/photo-1554224155-6726b3ff858f?auto=format&fit=crop&w=2200&q=85')}.contact-hero{background-image:url('https://images.unsplash.com/photo-1520607162513-77705c0f0d4a?auto=format&fit=crop&w=2200&q=85')}.authority-list,.insight-grid{display:grid;gap:18px}.authority-list article,.insight-grid article,.page-cards article{background:#fff;border:1px solid var(--vrts-line);border-radius:24px;padding:26px;box-shadow:var(--vrts-shadow)}.authority-list article{display:grid;grid-template-columns:52px 1fr}.authority-list b{display:grid;place-items:center;width:44px;height:44px;border-radius:15px;background:var(--vrts-mist);color:var(--vrts-sea)}.insight-grid{grid-template-columns:repeat(3,1fr)}.contact-form{display:grid;gap:14px;padding:20px;background:#fff;border-radius:28px;color:var(--vrts-text)}label{font-size:13px;font-weight:800;color:#334155}input,textarea,select{width:100%;margin-top:8px;border:1px solid #d8e1ee;background:#f7f9fc;border-radius:14px;padding:14px;font:inherit;color:var(--vrts-text)}textarea{min-height:92px;resize:vertical}.cta-section{background:linear-gradient(135deg,var(--vrts-sea),var(--vrts-navy));color:#fff}.cta-card{display:grid;grid-template-columns:1fr 440px;gap:48px;align-items:center;border:1px solid rgba(255,255,255,.13);border-radius:38px;padding:46px;background:rgba(255,255,255,.08)}.cta-card h2{color:#fff}.cta-card p{color:rgba(255,255,255,.75)}
/* Trust page v2 */
.trust-hero-new{position:relative;min-height:940px;display:grid;place-items:center;color:#fff;text-align:center;overflow:hidden;background:#061B3B}.trust-hero-bg{position:absolute;inset:0;background-image:url('https://images.unsplash.com/photo-1450101499163-c8848c66ca85?auto=format&fit=crop&w=2400&q=85');background-size:cover;background-position:center;transform:scale(1.04)}.trust-hero-overlay{position:absolute;inset:0;background:linear-gradient(180deg,rgba(0,21,55,.58),rgba(0,36,86,.86),rgba(4,13,28,.96)),radial-gradient(circle at center,rgba(53,200,255,.12),transparent 45%)}.trust-hero-content{position:relative;z-index:2;max-width:1040px;padding-top:110px}.trust-hero-content h1{color:#fff}.trust-hero-support{max-width:900px;margin:22px auto 0;display:grid;grid-template-columns:1fr 1fr;gap:18px}.trust-hero-support p{margin:0;padding:20px;border:1px solid rgba(255,255,255,.16);border-radius:22px;background:rgba(255,255,255,.08);color:rgba(255,255,255,.82);line-height:1.65}.trust-foundation,.compliance-section,.access-structure,.onboarding-section,.faq-section{background:#fff}.trust-card-grid,.pillar-grid,.risk-grid,.disclosure-grid,.process-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}.trust-card-grid article,.pillar-grid article,.risk-grid article,.disclosure-grid article,.process-grid article{background:#fff;border:1px solid var(--vrts-line);border-radius:26px;padding:26px;box-shadow:var(--vrts-shadow)}.trust-card-grid span,.risk-grid span{font-size:28px;display:grid;place-items:center;width:52px;height:52px;border-radius:17px;background:var(--vrts-mist);margin-bottom:18px}.regulatory-section,.awareness-section,.governance-section{background:var(--vrts-mist)}.regulatory-grid{display:grid;grid-template-columns:1fr .9fr;gap:70px;align-items:start}.approval-card,.no-claims-card{background:#fff;border:1px solid var(--vrts-line);border-radius:30px;padding:32px;box-shadow:var(--vrts-shadow)}.approval-card li,.no-claims-card li{margin:10px 0;color:#526278;line-height:1.55}.strong-micro{font-weight:900;color:var(--vrts-sea)!important;background:var(--vrts-mist);border-left:4px solid var(--vrts-cyan);padding:16px 18px;border-radius:0 18px 18px 0}.pillar-grid article b,.process-grid article b{display:grid;place-items:center;width:44px;height:44px;border-radius:15px;background:var(--vrts-sea);color:#fff;margin-bottom:18px}.flow-row{display:grid;grid-template-columns:repeat(5,1fr);gap:12px;align-items:stretch}.flow-row article{position:relative;background:#fff;border:1px solid var(--vrts-line);border-radius:24px;padding:24px;box-shadow:var(--vrts-shadow)}.flow-row span{display:inline-block;color:var(--vrts-cyan);font-weight:900;margin-bottom:16px}.disclosures-section{background:linear-gradient(135deg,var(--vrts-sea),var(--vrts-navy));color:#fff}.disclosures-section .section-heading p{color:rgba(255,255,255,.75)}.disclosures-section h2,.disclosure-grid h3{color:#fff}.disclosure-grid article{background:rgba(255,255,255,.08);border-color:rgba(255,255,255,.12);box-shadow:none}.disclosure-grid p{color:rgba(255,255,255,.75)}.no-claims-section{background:#fff}.no-claims-card{max-width:980px;margin:0 auto}.faq-list{max-width:980px;margin:0 auto;display:grid;gap:12px}.faq-list details{background:#fff;border:1px solid var(--vrts-line);border-radius:20px;padding:20px;box-shadow:0 14px 40px rgba(0,43,104,.05)}.faq-list summary{cursor:pointer;font-weight:900;color:#12213a;font-size:18px}.faq-list p{color:#627086;line-height:1.65;margin:14px 0 0}.cta-actions{display:flex;gap:12px;flex-wrap:wrap}.page-disclaimer{background:#030d19;color:#c8d6ea;padding:70px 0}.page-disclaimer h2{font-size:34px;color:#fff}.page-disclaimer p{line-height:1.75;color:#aebed4;font-size:14px}.page-disclaimer .container{max-width:1040px}.trust-hero-new h1{font-size:clamp(42px,5.7vw,80px)}
@keyframes slowDrift{from{transform:translate3d(0,0,0)}to{transform:translate3d(8px,-10px,0)}}@media (prefers-reduced-motion:reduce){*,*:before,*:after{animation:none!important;transition:none!important;scroll-behavior:auto!important}.reveal{opacity:1;transform:none}.vrts-hero-visual,.vrts-hero-visual.reveal{transform:none}}@media(max-width:1060px){.nav-links,.nav-cta{display:none}.menu-button{display:block}.vrts-hero-grid,.split-intro,.clean-split,.vrts-about-grid,.vrts-proof-grid,.insights-news-grid,.footer-grid,.regulatory-grid,.cta-card{grid-template-columns:1fr}.vrts-hero-split{padding-top:126px}.vrts-hero-visual{min-height:500px;max-width:680px;margin:0 auto;width:100%}.vrts-card-row.three,.vrts-card-row.two,.vrts-card-row.four,.vrts-timeline,.insight-grid,.flow-row,.trust-card-grid,.pillar-grid,.risk-grid,.disclosure-grid,.process-grid{grid-template-columns:1fr 1fr}.trust-hero-new{min-height:auto;padding:130px 0 70px}.trust-hero-support{grid-template-columns:1fr}.trust-hero-content{padding-top:40px}.clean-cta{grid-template-columns:1fr}.vrts-section{padding:76px 0}}@media(max-width:620px){.container{width:min(100% - 28px,1160px)}.nav{top:10px;width:calc(100% - 20px);padding:8px 9px 8px 12px}.brand-mark{width:106px;height:40px}.brand-mark img{width:78px}.vrts-hero-split{padding:112px 0 62px}.vrts-hero-grid{gap:34px}.vrts-hero-copy h1{font-size:36px;line-height:1.1}.vrts-hero-lede{font-size:16px}.vrts-hero-actions{flex-direction:column}.button{width:100%}.vrts-trust-points{display:grid;grid-template-columns:1fr}.vrts-hero-visual{transform:none!important;min-height:455px}.visual-map{inset:18px 0;border-radius:28px}.central-card{width:236px;padding:22px}.central-card img{width:130px}.floating-card{width:178px;padding:16px}.floating-card b{font-size:17px}.card-gift{left:6px;top:40px}.card-access{right:4px;top:118px}.card-compliance{left:16px;bottom:42px}.fx-card{right:8px;bottom:34px;width:178px;padding:16px}.section-heading h2,.split-intro h2,.feature-copy h2{font-size:32px}.vrts-card-row.three,.vrts-card-row.two,.vrts-card-row.four,.vrts-timeline,.insight-grid,.flow-row,.trust-card-grid,.pillar-grid,.risk-grid,.disclosure-grid,.process-grid{grid-template-columns:1fr}.vrts-card,.newsletter-card,.clean-cta{padding:24px}.institution-panel{min-height:380px}.building-lines i{width:32px}.trust-hero-new h1{font-size:38px}.trust-hero-support p{padding:16px}.approval-card,.no-claims-card{padding:24px}.cta-actions .button{width:100%}.footer-grid{gap:28px}}

/* Homepage expanded visual system v13 */
.hero-luxury-bg{position:absolute;inset:0;background-image:url('https://images.unsplash.com/photo-1560520653-9e0e4c89eb11?auto=format&fit=crop&w=2400&q=85');background-size:cover;background-position:center;opacity:.28;transform:scale(1.04);animation:heroZoom 18s ease-in-out infinite alternate}.hero-photo-overlay{position:absolute;inset:0;background:linear-gradient(135deg,rgba(0,53,122,.90) 0%,rgba(6,27,59,.96) 58%,rgba(6,27,59,.86) 100%),radial-gradient(circle at 78% 26%,rgba(53,200,255,.13),transparent 32%)}.vrts-hero-split .hero-grid-bg,.vrts-hero-split .hero-orbit,.vrts-hero-split .container{position:relative;z-index:2}@keyframes heroZoom{from{transform:scale(1.04)}to{transform:scale(1.12)}}.section-kicker-row{display:flex;align-items:center;gap:14px;margin-bottom:30px;color:var(--vrts-sea);font-weight:900;text-transform:uppercase;letter-spacing:.14em;font-size:12px}.section-kicker-row span{display:grid;place-items:center;width:44px;height:44px;border-radius:999px;background:var(--vrts-mist);border:1px solid var(--vrts-line)}.section-kicker-row i{height:1px;flex:1;background:linear-gradient(90deg,rgba(0,53,122,.18),transparent)}.section-kicker-row.light{color:#fff}.section-kicker-row.light span{background:rgba(255,255,255,.12);border-color:rgba(255,255,255,.18)}.section-kicker-row.light i{background:linear-gradient(90deg,rgba(255,255,255,.18),transparent)}.section-kicker-row.dark{color:rgba(255,255,255,.86)}.section-kicker-row.dark span{background:rgba(255,255,255,.10);border-color:rgba(255,255,255,.18)}.section-kicker-row.dark i{background:linear-gradient(90deg,rgba(53,200,255,.42),transparent)}.elevated-row{margin-top:42px}.image-narrative-section{background:linear-gradient(135deg,var(--vrts-sea),var(--vrts-navy));color:#fff;position:relative;overflow:hidden}.image-narrative-section:before{content:"";position:absolute;inset:0;background:radial-gradient(circle at 18% 25%,rgba(53,200,255,.16),transparent 30%)}.image-narrative-section .container{position:relative}.image-narrative-section h2,.image-narrative-section h3{color:#fff}.image-narrative-section p{color:rgba(255,255,255,.74)}.image-narrative-section .vrts-eyebrow.dark{color:var(--vrts-cyan)}.premium-image-grid{display:grid;grid-template-columns:1.02fr .98fr;gap:72px;align-items:center}.real-image-card{min-height:520px;border-radius:34px;background-size:cover;background-position:center;position:relative;overflow:hidden;box-shadow:var(--vrts-dark-shadow);border:1px solid rgba(255,255,255,.18)}.real-image-card:before{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(0,20,48,.10),rgba(0,23,55,.84))}.real-image-card>div{position:absolute;left:28px;right:28px;bottom:28px;padding:24px;border-radius:24px;background:rgba(255,255,255,.10);border:1px solid rgba(255,255,255,.16);backdrop-filter:blur(14px)}.real-image-card p{margin:0 0 8px;color:var(--vrts-cyan);font-weight:900;text-transform:uppercase;letter-spacing:.13em;font-size:12px}.real-image-card h3{margin:0;font-size:28px;line-height:1.15}.image-hni{background-image:url('https://images.unsplash.com/photo-1551836022-d5d88e9218df?auto=format&fit=crop&w=1500&q=85')}.enablement-layout{display:grid;grid-template-columns:.85fr 1.15fr;gap:34px;align-items:stretch}.enablement-visual{min-height:560px;border-radius:32px;background-size:cover;background-position:center;position:relative;overflow:hidden;box-shadow:var(--vrts-shadow);border:1px solid var(--vrts-line)}.enablement-visual:before{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(0,53,122,.10),rgba(6,27,59,.78))}.image-market{background-image:url('https://images.unsplash.com/photo-1611974789855-9c2a0a7236a3?auto=format&fit=crop&w=1400&q=85')}.market-caption{position:absolute;left:24px;right:24px;bottom:24px;padding:22px;border-radius:22px;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.16);backdrop-filter:blur(14px);color:#fff}.market-caption b{display:block;font-size:26px}.market-caption span{display:block;margin-top:6px;color:rgba(255,255,255,.72)}.enablement-cards{display:grid;gap:18px}.trust-home-section{padding-top:110px;padding-bottom:110px}.journey-photo-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:48px;align-items:center;margin-bottom:40px}.journey-copy h2{font-size:clamp(34px,4vw,56px);font-weight:800;line-height:1.06}.journey-image{min-height:360px;border-radius:32px;background-size:cover;background-position:center;box-shadow:var(--vrts-shadow);border:1px solid var(--vrts-line)}.image-boardroom{background-image:linear-gradient(180deg,rgba(0,53,122,.04),rgba(6,27,59,.28)),url('https://images.unsplash.com/photo-1556761175-b413da4baf72?auto=format&fit=crop&w=1500&q=85')}.refined-timeline{margin-top:0}.awareness-home-section .vrts-card.small{min-height:210px}.insights-home-section .newsletter-card{position:sticky;top:120px}.vrts-hero-split{background:linear-gradient(135deg,#00357A 0%,#061B3B 100%)}
@media(max-width:1060px){.premium-image-grid,.enablement-layout,.journey-photo-grid{grid-template-columns:1fr}.real-image-card,.enablement-visual{min-height:420px}.insights-home-section .newsletter-card{position:static}}@media(max-width:620px){.hero-luxury-bg{opacity:.22}.premium-image-grid,.enablement-layout,.journey-photo-grid{gap:28px}.real-image-card,.enablement-visual,.journey-image{min-height:320px;border-radius:26px}.real-image-card>div{left:18px;right:18px;bottom:18px;padding:18px}.real-image-card h3{font-size:22px}.section-kicker-row{margin-bottom:22px}.market-caption{left:18px;right:18px;bottom:18px}.market-caption b{font-size:22px}}

/* v14 hero layout correction after real-image layer */
.vrts-hero-split{justify-content:center}.vrts-hero-split>.vrts-hero-grid{width:min(1160px,calc(100% - 48px));margin:0 auto;flex:0 0 auto;grid-template-columns:minmax(0,.96fr) minmax(0,1.04fr)}.vrts-hero-copy{max-width:690px}.vrts-hero-visual{width:100%;justify-self:end}.vrts-hero-copy h1{max-width:680px}@media(max-width:1060px){.vrts-hero-split>.vrts-hero-grid{width:min(100% - 32px,760px);grid-template-columns:1fr}.vrts-hero-copy{max-width:720px}.vrts-hero-visual{justify-self:center}}@media(max-width:620px){.vrts-hero-split>.vrts-hero-grid{width:calc(100% - 28px)}.vrts-hero-copy{max-width:none}.vrts-hero-copy h1{max-width:100%}.vrts-hero-disclaimer{font-size:12px}.vrts-hero-visual{margin-top:12px}}

/* v38 platform access handoff modal */
.platform-modal{position:fixed;inset:0;z-index:999;display:grid;place-items:center;padding:24px;opacity:0;visibility:hidden;pointer-events:none;transition:opacity .22s ease,visibility .22s ease}.platform-modal.is-open{opacity:1;visibility:visible;pointer-events:auto}.platform-modal-open{overflow:hidden}.platform-modal__backdrop{position:absolute;inset:0;background:rgba(3,10,24,.72);backdrop-filter:blur(10px)}.platform-modal__panel{position:relative;width:min(760px,100%);max-height:min(92vh,860px);overflow:auto;border-radius:30px;padding:34px;background:linear-gradient(135deg,#061B3B 0%,#00357A 100%);border:1px solid rgba(53,200,255,.24);box-shadow:0 44px 130px rgba(0,12,34,.55),inset 0 1px 0 rgba(255,255,255,.14);color:#fff;outline:none;transform:translateY(16px) scale(.98);transition:transform .24s cubic-bezier(.2,.8,.2,1)}.platform-modal.is-open .platform-modal__panel{transform:translateY(0) scale(1)}.platform-modal__panel:before{content:"";position:absolute;inset:0;pointer-events:none;background:linear-gradient(120deg,rgba(255,255,255,.16),rgba(255,255,255,.035) 34%,transparent 58%),radial-gradient(circle at 82% 8%,rgba(53,200,255,.22),transparent 32%);mix-blend-mode:screen}.platform-modal__panel>*{position:relative;z-index:1}.platform-modal__x{position:absolute;top:18px;right:18px;z-index:2;display:grid;place-items:center;width:38px;height:38px;border:1px solid rgba(255,255,255,.18);border-radius:50%;background:rgba(255,255,255,.08);color:#D8E7FF;font-size:24px;line-height:1;cursor:pointer}.platform-modal__x:hover{color:#35C8FF;border-color:rgba(53,200,255,.38)}.platform-handoff{display:grid;grid-template-columns:auto 1fr auto;align-items:center;gap:18px;margin:4px 38px 8px 0}.platform-brand{display:grid;place-items:center;min-width:112px;height:50px;border-radius:999px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.16);box-shadow:inset 0 1px 0 rgba(255,255,255,.18)}.platform-brand img{width:84px;display:block}.platform-brand--inxga{font-weight:900;letter-spacing:.13em;color:#fff}.platform-line{position:relative;height:2px;border-radius:999px;background:linear-gradient(90deg,rgba(53,200,255,.18),rgba(53,200,255,.88),rgba(53,200,255,.18));overflow:hidden;box-shadow:0 0 22px rgba(53,200,255,.36)}.platform-line i{position:absolute;inset:-4px auto -4px 0;width:30%;border-radius:999px;background:linear-gradient(90deg,transparent,#fff,transparent);animation:platformHandoff 1.8s ease-in-out infinite}.platform-handoff__label{margin:0 0 22px;text-align:center;color:#35C8FF;font-size:12px;font-weight:900;letter-spacing:.16em;text-transform:uppercase}.platform-modal h2{margin:0 0 12px;color:#fff;font-size:clamp(30px,4vw,44px);line-height:1.06;text-align:center}.platform-modal__intro{max-width:620px;margin:0 auto 24px;color:#D8E7FF;text-align:center;font-size:17px;line-height:1.65}.platform-options{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:0 0 20px}.platform-options article{padding:22px;border-radius:22px;background:rgba(255,255,255,.06);border:1px solid rgba(53,200,255,.22);box-shadow:0 20px 64px rgba(0,15,44,.26),inset 0 1px 0 rgba(255,255,255,.10)}.platform-options h3{margin:0 0 8px;color:#fff;font-size:22px;line-height:1.16}.platform-options p{margin:0 0 18px;color:#D8E7FF;line-height:1.58}.platform-button{display:inline-flex;align-items:center;justify-content:center;min-width:116px;padding:12px 18px;border-radius:999px;background:#35C8FF;color:#061B3B!important;text-decoration:none;font-weight:900;box-shadow:0 18px 44px rgba(53,200,255,.22)}.platform-button:hover{transform:translateY(-2px);box-shadow:0 22px 54px rgba(53,200,255,.30)}.platform-modal__note{margin:0 0 18px;color:#AFC4DD;font-size:14px;line-height:1.6}.platform-modal__footer{display:flex;align-items:center;justify-content:space-between;gap:14px;border-top:1px solid rgba(255,255,255,.12);padding-top:18px}.platform-modal__footer a,.platform-modal__footer button{color:#D8E7FF;background:transparent;border:0;text-decoration:none;font:inherit;font-weight:900;cursor:pointer}.platform-modal__footer a:hover,.platform-modal__footer button:hover{color:#35C8FF}@keyframes platformHandoff{0%{transform:translateX(-120%);opacity:.12}30%{opacity:1}100%{transform:translateX(420%);opacity:.2}}@media(max-width:620px){.platform-modal{padding:14px}.platform-modal__panel{padding:26px 18px;border-radius:24px}.platform-handoff{grid-template-columns:1fr;gap:10px;margin-right:34px}.platform-line{width:100%;height:2px}.platform-brand{min-width:0;width:118px;justify-self:center}.platform-options{grid-template-columns:1fr}.platform-modal__footer{display:grid;grid-template-columns:1fr;text-align:center}.platform-modal__footer button{padding:6px 0}}@media (prefers-reduced-motion:reduce){.platform-modal,.platform-modal__panel,.platform-button,.platform-line i{animation:none!important;transition:none!important}.platform-line i{display:none}}

.footer{padding-bottom:0}.footer-bottom{display:flex;justify-content:space-between;align-items:center;gap:24px;margin-top:22px;padding:18px 0 0;border-top:1px solid rgba(255,255,255,.10)}.footer-bottom p{margin:0;max-width:none;font-size:13px;color:rgba(255,255,255,.70)}.footer-bottom a{display:inline;margin:0;color:#fff;text-decoration:none}@media(max-width:900px){.footer-bottom{display:grid;gap:8px}}
.footer{border-top:1px solid rgba(255,255,255,.16)}